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Temecula Financial Advisor Provides Insight on Wisconsin Labor Union Uproar

by

John Dubots

Wisconsin’s bid to take down labor unions leaves many pensioned employees in a state of limbo- and the effects could be widespread. Plans by Wisconsin Gov. Scott Walker (R) and the legislature to get rid of collective bargaining (the means used by public unions to secure pay and benefits) for most public employees could roll into other Midwest states as a wave of small-government conservatives elected in 2010 take on their Democratic counterparts. The streets of Madison, WI have begun to mirror Cairo as more than 25,000 union Wisconsin protesters amassed last Friday morning in and around the Capitol to protest the governor’s plans. Earlier in the week, there had been as many as 40,000 protestors. Schools were canceled, and one rally lasted a staggering seventeen hours.

At the core of the controversy is the livelihood of thousands of workers and their capacity to represent themselves as a union, one they have exercised now for over 50 years. Losing this priviledge could affect not only their pay, but spill additionally into benefits such as healthcare and retirement plans. Once figured to be the epitome of security in America’s Heartland, current union laborers may find themselves in a position where they are required to pay more for these coveted benefits.This political tornado firmly establishes the fact that in today’s economy, no one is immune to problems and the “American Dream” can be threatened even for those in what were once thought to be the securest of jobs. What has become understandable is that regardless of your personal beliefs or political affiliation, the concept of “security” has forever changed. Undoubtedly, our borders are nowhere near as secure as we’d like to assume, 9/11/2001 brought to light with crushing power the realization that we can not take for granted our personal security, the banking collapse made us crucially aware that we are not financially secure, and now the peril to collective bargaining is yet another setback to this false sense of security.So where do we go from here?As a Temecula financial advisor for over 20 years, I would suggest that on some, if not many levels, personal responsibility must supplant our dependence upon employers for refuge. This starts with financial responsibility and active asset management. While we may not be able to fend off the external forces of international violence or domestic threats, we can take actions to secure our personal financial “borders”. This means ample retirement planning, intelligent budgeting, and wise financial decisions. The saying has always been that “an ounce of prevention is worth a pound of cure” and the time is now to assume responsibility and prepare for the future.

Learn more about

active portfolio management

and its benefits by contacting John Dubots,

Temecula financial advisor

, with Dubots Capital Management. Dubots has over two decades in the industry and will provide a free consultation to answer all of your portfolio management questions.

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Temecula Financial Advisor Provides Insight on Wisconsin Labor Union Uproar
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byAlma Abell

It is a major responsibility to own a commercial or residential property. Keeping occupants and property safe is crucial. These losses are devastating and can make a property owner financially liable for damages. Consider four important reasons to invest in fire alarm systems for buildings and homes.

1. Protect LivesFire is unpredictable and can happen at any time of the day or evening. When people are awake, they are more likely to see, smell or hire a fire when it starts. If the occupants are sleeping, they might not realize there is a fire. Elderly people, young children and pets can be particularly vulnerable if a fire gets out of control. A fire alarm can help to protect lives. Hearing the alarm alerts occupants and emergency responders that there is a fire. They can take action soon, and lives could be saved.

2. Reduce Property DamageIf the premises are unoccupied, a fire could rage for minutes, or even hours, without being detected. This can cause serious property damage to the contents of the home or building. Over time, it can compromise the structure of the premises or even level out a home or office. Having fire alarm systems installed can reduce the amount of property damage that occurs in a fire.

3. Ensure Early DetectionAt some point, a neighbour or passer by will notice a building on fire. But this is leaving detection to chance, which can often mean losing innocent lives and valuable property. Additionally, the stronger a fire gets, the more likely someone will get injured. This includes emergency responders who arrive to help people out of the building and put out the fire. A fire alarm ensures early detection to fight the flames as soon as possible and reduce any related problems that could occur.

4. Lower Insurance RatesHaving alarms systems can help to lower property insurance rates. Because the cost of insurance is based on risk, it makes sense that rates would be reduced for property owners who have alarms installed at their premises.

Don’t take unnecessary risks that can lead to damages, injuries and even lost lives. Contact Bsafealarms.com to learn more about getting a fire alarm system for your home or business.

By Brendon Heins

‘But I prefer a man who lives

And gives expensive jewels A kiss on the hand may be quite continental, But diamonds are a girl’s best friend’

These words from the song ‘Diamonds Are a Girl’s Best Friend’ were made famous by the quintessential blonde femme fatale Marilyn Monroe. And indeed, from her time to your time, diamonds are a girl’s best friend! Swarovski, moissanite, and cubic zirconia simply cannot compare to the glamour, allure and enduring quality of diamond. Kind of reminds you of Marilyn Monroe compared with the ditzy blondes of Hollywood today.

But of course, you do not need a man who lives and gives expensive jewels. Absolutely not when you have a stable job and you can avail of quick payday loans!

Fine Diamonds, Fast Payday Loans

You have been lusting after the Tiffany Lace Ring for ages. And now you have to have it right here, right now for your own reasons – maybe the high school class reunion is coming up, maybe you are bridesmaid, and maybe you are stocking up on fashion accessories. But, horror of horrors, you come up short on the money.

Don’t fret. With fast payday loans, you can get additional money within the same day. All you have to do is go online, browse through reliable payday loans companies that your family and friends recommended, and file your application. Presto! You have payday loans deposited directly to your bank account in a matter of hours. Tiffany, here you come!

Fine Diamonds, Fine Choosing

Diamonds might be a girl’s best friend but you have to make your diamond jewelry your personal best friend. You have to choose based on cut, color, clarity and carat (4 Cs) to suit your preferences, passions and plans.

You can expand your knowledge of diamonds’ 4 Cs to enable critical choosing when you do get to a Tiffany store or any other jewelry store for that matter. Read on:

– Color can be the most important determinant of the diamonds’ value. Indeed, you can assume that ‘colorless’ diamonds are more valuable though you also have to know that not all ‘colorless’ diamonds are of lesser value.

– Clarity pertains to the visible flaws within the diamonds. Again, you are safe to assume that the less flaws present, the more you have to shell out for the jewelry. If in doubt, ask for a magnifying glass.

– Cut allows the diamonds’ facets to shine by reflecting light, which you see as the fire in the diamond. You can choose from many diamond cuts like round, oval, marquise, radiant, pear-shaped, emerald and heart-shaped. Your preference will determine which cut suits you best.

– Carat is the weight of the diamond in its entirety. In reverse order as the above Cs, you should not assume that just because a diamond is big, it is automatically more valuable than the smaller diamond.

Of course, just looking at diamonds set in gold and surrounded by other precious stones can make you stand in awe so much so that you can forget the 4 Cs. Still, it never did hurt a girl to ask about the history behind the jewelry!

Just make sure that you pay your payday loans on time lest you find yourself pawning your coveted diamond ring. Beyond that, you can make other drool with envy from your best friend.

About the Author: MoneyLoansCompany.com is the best place to secure cash advance and payday loans in Ontario. You can use your payday loans any way you want, even buy a girl’s best friend right away! Visit them now and get that ring on your finger.

Source: isnare.com

Permanent Link: isnare.com/?aid=315766&ca=Finances

byAlma Abell

There are many pros and cons that come hand-in-hand with zoning. If it is determined that a location can advantage from zoning, there are many things to consider. When most people think about zoning they tend to focus on the amount of effort that is put into these type of project. In order to make zoning a simple, effortless task on the part of the homeowner or business owner, individuals are encouraged to shop around and select a company that is able to provide professional services at a favorable cost. Appointments can be quickly set up, and contractors will be on the job site within a minimal amount of time.

Zoning is the process of assigning zones in an effort to control the physical development of the land. Areas that serve as residential, commercial, and even provide industrial activities are common plots of land that require zoning. This type of work needs to be performed by trained professionals, as there are a large number of steps that need to be taken in order to effectively zone an area. Once zoning is complete, there are an abundant amount of pros that can be experienced, some of which include:

• Property value increases and is protected
• Provides a method to implement community goals
• Effectively conserves existing neighborhoods
• Help prevent incompatible lands from commingling
• Allows a more effective lot arrangement
• Existing structures will be preserved
• Adequate light, privacy, and air will always be made available to homes through zoning

As with anything, there are also some cons that should be taken into consideration as well. It is important to note that although zoning does produce some negative effects the advantages outweigh the disadvantages. Some disadvantages of zoning include:

• Property owners may be required to relinquish some of their current freedoms they have with their land
• In some cases, zoning has been known to discourage development in specific areas
• May require a long-term commitment that would include a clause that involved spending a certain amount on community spending

When new construction is a project that an individual or company wishes to tackle, they are encouraged to speak with a representative to discuss the process of zoning services. Zoning provides so many benefits; it’s no wonder so many people are beginning to take advantage of it.

Find more info at Burgesons.com.