We the People: Toward a Fair and Just community and How to Get There

No.1 Article of Replacement Social Security Card Application

In 1991, after over 30 years of study and primary thoughts, I published my ideas of the future democratic society in "Technological Democracy: A Humanistic religious doctrine of the future Society", and presented its more refined buildings in my later publications cited below. Because of the global economic crises forcing habitancy to look for a new societal ideas to replace the old corporate dominated one, I decided to issue a simplified and short version of my theory, in a manifesto form of only 64 pages for normal communal as a guide for taking performance toward changing the system. I firmly believe this is the ideas of the future world which will materialize within this century. It will save many lives and opportunities if we understand it now and take performance to materialize it before it gets too late to stop wide-spread violence and bloodshed.

The economic opinion presented here is a part from a new scientific ideas of technological democratic society which is thought, sooner or later but ultimately, to replace the gift two centuries old chaotic and outdated ideas of, so called, representative democracy. habitancy in nearly all industrialized and some developing countries are earnestly looking for a modern but just and fair ideas to replace it. The total and information buildings of this new societal system, which is presented in three books (over 1000 pages), obviously cannot be properly presented here. The reader needs to have this in mind when some questions arise. However, insight it with a little use of logic and mental is quite simple, since the scientific base of the ideas rests on the application of a particular principle of equality of opportunity.

Replacement Social Security Card Application

Our Constitution assuredly covers the principle of equality of opening but suppose, to explain it, we pass an amendment to our constitution recognizing equality of opening as an individual right in every aspect of daily life. This immediately expands democracy to cover the whole ideas of the societal life: economic, political, as well as social. Let's see what happens to the cheaper of the country and along with it to individual liberties, political process, communal order, employment rights, and equality regardless of race, gender, culture, and religion. Here is a very brief catalogue of it..

We the People: Toward a Fair and Just community and How to Get There

The New Economic Theory

The manner by which property is produced, owned, and used, determines the economic buildings of a society and, to a huge degree, its communal and political characteristics. A important health for economic democracy is the equitable distribution of capital among the habitancy and dispersed operate over its use.

The Principle of Unjust Enrichment

The principle of equality of opening prescribes that every person has full authority of operate and administration of anything he or she owns while his lifetime, but no one in a technological democratic society is allowed to gain opening over others through accumulation of wealth by profits achieved by exploitation and subjugation of others, or free transfer of assets. This principle is known as "prohibition of unjust enrichment." Such accumulation is allowed only through individual's own labor. Thus, no one can be enriched through heritage or receiving property or assets without a comparable compensation. The think is that such enrichment will disturb equality of opening by increasing one's opportunity, without his personal efforts, over those of others. heritage is allowed only to the extent that it does not affect equality of opportunity. Profit is other form of unjust enrichment since the capitalist receives it through exploitation of workers as well as consumers. It unjustly enhances the opening of the capitalist against workers and others. However, a nationally specified number of return from the use of capital is justified.

Capital and Capital Accumulation

While capital is still one of the main military of production, its characteristics is quite different with that under capitalism or socialism. Also the capital accumulated through savings from a worker's own earnings, in order to attain equality of opportunity, each worker has also other source of capital accumulation. It is a thought about number of shares of his employer's firm he receives every month along with and as a part from his salary. This process gently and peacefully transfers capital from the capitalist to the worker allowing him or her increasing voice in the execution of the firm. A unique and remarkable supervene is attained by this process of transition; the divergence in the middle of the capitalist and working class disappears and both join together into one. It is important to note that the working class under this ideas embodies anything working in any output process from its top managers to its least great one.

The accumulated capital by the workers under this program stock-holding is non-transferable, but it remains under the possession and operate of the worker. It replaces the gift communal security system, providing him or her with income adequate for a modest but comfortable living standards after retirement. Like communal Security, after the death of the owner, this non-transferable capital reverts to a communal society known as the communal Consumption Fund responsible for providing free health care and free study for all. However, in order to diversify his or her non-transferable holdings, the worker may transfer part of his or her firm's non-transferable stocks with non-transferable stocks of other fellowships in the stock market. In reality, these stocks are a part from the communal capital in circulation providing a collection of useful functions, all under individual and secret control. In addition, of course, the worker has capital accumulation by savings from the salary, income from capital investments in output firms, income from nontransferable stocks, and inheritance. The worker has full operate over all these assets while his or her lifetime.

The Working Class, Shared opening and Employment Right

The application of equality of opening creates a new mode of output eliminating exploitation and gently making the worker a full participant in output and distribution process. At the workplace, it creates different opening levels based on each individual's study and experience.

Under equality of opportunity, employment is an individual right because there is no such equality gift in the middle of those employed with those unemployed within the same level of competence. Each practice must contribute employment for any applicant corresponding to his or her level of competency through the use of the principle of "shared opportunity" derived from the equality of opening principle. It requires that each employed person within the firm at the same level of competency as those unemployed applicants, to give up a small quantum of his employment opening (e.g. 1-4 hours out of 40 hours per week) to contribute the same employment opening for the applicants. The opinion of contribute and examine at each level of opening stabilizes the employment store for this and any other level of work nationwide. Shared opening causes full employment and lifetime job security for anything desiring to work.

Work, Education, and Pay System

The normal level of recompense is thought about by a normal position classification at the national level calculated and established by the National Economic and output Council (Nepc) by the aid of the Technodem, which is a national independent, self controlled electronic ideas and important instrument in proper application of equality of opportunity, also known as the people's best and trusted friend. The Technodem by having passage to prices of all goods and services and the cost of living, calculates and reports to Nepc the number of minimum wage required for a minimum living standard. The Nepc designs a model position classification and pay ideas accordingly. This is fed to the Technodem adequate to supervise its application in every practice hiring workers. Each output firm then, following the national model, establishes its own position classification and pay ideas and feeds it into the Technodem which at once compares it with the national model, and reports back discrepancies, if any, to be corrected. The position classification within each firm does not have to be exactly the same as the national model but it has to fit into the range specified by that model.

Education

In technological democracy, after twelve years of normal education, the work ideas and study merge together. Everyone is required to complete the normal study program. It consists of four years of preschool study starting at age three up to seven; four years of elementary and four years of secondary education. It contains a condensed curricula from grade one through twelve. After completing this educational program, the person who is about fifteen years old, begins to work part-time while starting his higher study full-time. His study program is equally divided in the middle of general-humanistic and professional-technical parts. The first part, develops him as a democratic person, deeply devoted and committed to the principle of equality of opportunity. However, the core part of his humanistic study is achieved through his or her 12-year of normal education. By the age of 22, he or she achieves the knowledge level of an Ma degree under our gift system, and starts to work full-time and continues his studies part time for the rest of his working years. Every worker at the time of retirement, which arrives at his early 50s after 30 years of work, accumulates knowledge, far beyond the Ph.D. Level, the highest degree in higher study offered today. This higher level of knowledge is required and important in a highly scientific and technological and ever-changing life environment at work as well as at home. This part-time study is a part from the worker's required working hours; for a 40 hour-per-week work program, he works 32 hours and studies 8 hours. Everyone starts the life from scratch and gently moves to a high position and high income by the time of official retirement. There remains still two or more decades of active life left for each individual after seclusion to enjoy life without worry spending it in leisure, art, music, tour or other creative and desired ventures.

The Government

The technological democratic society is based on the opinion of the least government being the best. Accordingly, the national government has no domestic line functions. All national departments except for defense and State, all regulatory agencies and welfare programs are discarded. The state governments are down-sized by about 40 percent; while the size and responsibilities of local governments are increased by about 20 percent. The Technodem, output firms and local communal organizations carry out most of the needed communal functions. Under this ideas there is an improbable expansion of individual possession and freedoms, free education, fee health care, employment rights, and old age benefits all under full individual and secret control.

The Transition Process

The transition has to be through a peaceful process, thus, it needs to be gradual stretching from two to four decades. The following is the process proposed here field to transfer or modification if great ways are found.

The first and immediate step is to legalize the principle of equality of opening through a constitutional amendment, if it fails, then through a national constitutional convention. Immediately after its passage, build a temporary National Economic and output Council(Nepc) ( See We the People, cited below, Fig. 5, p.49). Its first task is to create a temporary national position classification and pay ideas based on a minimum wage calculated by the Technodem. For example, at .00 per hour minimum wage and 5 percent every year increase, the minimum every year pay will start from 640 at the age 15 rising to about 0,000 at the age of seclusion at 53. This is the highest executive pay any worker may receive at the time of retirement. It must be noted that under the new ideas there is no individual income tax, or other taxes such as communal security and Medicare. Thus, these incomes are equivalent to the real income at the gift after all deductions for taxes.

All employers are required to classify their employment and pay ideas agreeing to the national model established, and feed it into the National Economic and output Council's computer. This is the introductory creation of the Technodem which plays important role in supervising and sustaining the democratic system. As the output firms prepare their own position classification and pay system, following the national model and feed them into the Neoc computer, the Technodem progresses in its facts warehouse and ability in taking over the administration of the application of the principle of equality of opening at the workplace and ultimately its application in political and communal aspects of daily life.

The period of transition will not be an easy one. There will be a need for good and sharp thinkers to flat out the process. If Congress refuses to recommend the equal opening amendment to the Constitution or obstacles are created by the national and state governments in calling for a National Constitutional Convention, the habitancy will have no selection but resort to a normal strike, as defined by the French philosopher George Sorel, until it succeeds. The nation may need a temporary commission composed of highly great individuals to put into supervene the new system, supervise its progress, make important adjustments for its proper operation, and eliminate the old departments and agencies when they become irrelevant, together with the Congress and presidency when it becomes standard to setup the new National Legislative and Coordination Assembly and the National executive Council. This must be the people's commission and its members chosen by the habitancy or their chosen representatives.

In a technological democracy, the communal goal and tasteless purpose, for which society is to be organized, concern itself in providing equality of opening for everyone. In such an fulfilled, society:

1. Everyone starts life from the scratch. There are neither rich nor poor under the gift meaning of the terms.

2. Everyone receives 12 years of free normal study up to the age 15. Not only it is totally free but no obstacle can be created to hinder it.

3. Everyone starts to work part-time at age 15, starts full-time at the age 22, and works until retirement, never facing unemployment.

4. Everyone continues his/her study full-time after the age of 15, while working part-time, and continues part-time after the age of 22, as a part from his/her work program, until retirement. Such study consists of a balanced combination of technical-professional, liberal arts, and humanities subjects. It is reduced to two courses on each field per year after the age 22, when the worker assumes full-time position.

5. Everyone receives free health and preventive care for life.

6. Everyone, starting from zero, gently becomes a part owner of output of goods and services. These possession shares, which replaces the gift communal security ideas but fully privatized, are destined for the support of the owner after his/her retirement, and thus are not transferable.

7. Everyone works full-time for at least 30 years or equivalent of it.

8. Equivalent to one-fifth of the working hours are allocated to

education. Accordingly, for a 40 hours per week work, the person works for 32 hours and studies for 8 hours.

9. Promotion is based on the level of study and years of experience, liberal art study having the same significance as the technical or professional.

10. The age of seclusion depends on the contribute of the young labor force for the purpose of allowing them equal opening for employment. However, to certify a comfortable seclusion life, no capable person works for less than 25 years full-time before retirement. The normal seclusion occurs after 30 years of full-time work.

11. After retirement, which more likely occurs when an individual is in his early 50s, he or she has adequate non-transferable assets accumulated to bring him or her returns adequate for a uncomplicated but comfortable living standards. In addition, through his or her personal savings, he or she has other transferable assets under his or her full control.

12. All optional communal positions:

a. Require very high qualifications relating to study and experience.

b. Are temporary and no one is elected for the same office for more than one term. Also other benefits, this also allows opportunities to a greater number of well great retired citizens to hold communal office and serve the people.

c. These two requirements would allow a great opening of being elected to retired individuals since they are great educated and well experienced and are not looking for a permanent position. They are still young, but matured and capable of fruitful participation in the communal policy-making process and communal service.

13. As a supervene of democratic norms and technological developments, family life is transformed from its primary form into a democratic unit; parents being responsible, though in a different manner, for upbringing of the children up to the age of 15, after which the child, who is thought about an adult, enters the labor store and is thought about independent.

14 By the time of retirement, the family, more likely because of voluntary birth and habitancy control, has no children to take care of; and free from this responsibility, the couple, if they desire to remain together, has many years of economically secure, very fruitful, still productive, dynamic, and enjoyable life.

15. After death, a huge part of an individual's wealth, agreeing to the principle of equality of opportunity, is returned to society, through the communal Consumption Fund, to support free services such as health care and

education for the new generation which is also to start from the scratch.

16. Though some individuals accumulate more wealth than others, the divergence is not so great to cause class distinction. Furthermore, such

difference is only for the life of the person and disappears upon his death. In reality, this is a classless society with minor variations in material ownership.

17. An individual's obligatory relationship is within his family and his workplace. Outside these areas, he remains free to enjoy life with a great many things and means accessible to him in an infinite collection of combinations.

18. In its narrow application, equality of opening does not allow individual competition where the intention is to take opening from person against whom the individual is competing. However, equality of opening not only allows but encourages each individual to compete against himself or herself to become great than what he or she already is. This is quite different from competitive against a designated person even it may give the same result. Open competition is the backbone of the democratic store operation, but, it is free of fraudulence, propaganda, and false commercials. Self competition should be the motto of output here as well. It causes the output of great goods or services resulting in marketing success The exact specifications of the products are stated and left to the consumer to make the choice. Unlike the gift situation where commercials are forced on the habitancy by being inserted into television or radio programs, no one is forced, through any means, to watch or listen to commercials.

19. The wealth of a society is the sum total of individual wealth plus all natural and other resources which belong to the society as a whole. However, the important part of the wealth of a society is not economic and material, but technological in the form of knowledge, experience, and means which is the way of doing things.

20. More important than the output of wealth is its equitable distribution among the working class, field only to the level of knowledge, and experience. Every worker receives nearly the same number of income in the full period of his or her work as the others. There will be some differentiation but it will not be so great to upset equality of opportunity. Each worker starts with the minimum wage and gets more as he or she climbs the ladder to higher positions or become great educated and more experienced. By the time of retirement, each worker is a high ranking official in his or her firm regardless of type of work he or she is assigned to perform.

21. In a democratic system, there is no class buildings or class distinction. Differentiation is only at the work place, based on the level of knowledge, experience, and expertise. Working class refers to all working individuals together with members of the board of directors, chief executives down to the least experienced.

22. The proper function of government is to establish, profess and periodically revise the standards required by the principle of equality of opportunity, particularly relating to group of labor and compensation. The national government has no domestic line functions except some supervisory authority in the areas relating to the national consumption fund such as education, healthcare, and corresponding standards. Government is reduced to its minimum functional size.

23. secret wealth totally belongs to the individual for life. It is a wealth initiated, created, and accumulated through his/her own labor, use of his/her assets and not through profits by exploiting others.

24. communal wealth mainly constitutes of the society's natural resources. They belong to the society as a whole, and therefore, net proceeds created belong to the people. Equality of opening does not allow any secret possession of natural resources such as oil, gas, minerals, and forests. Such resources may be leased to specific firms to operate. anything is left after paying for all expenses together with depreciation of tool, machineries and other properties used for output purpose, goes to communal Consumption Fund and used for communal benefit.

25. The electoral ideas is managed by the Technodem, The only thing a candidate needs to do is to enter his or her name for the office he or she seeks to be elected, into the Technodem's list for that office. No additional facts is needed, because the Technodem knows all about each individual in the society. It will gift each individual's qualifications in three categories: personal, educational, and experience, and rank each candidate in each category. However, each candidate may have his or her own electoral website and may place in it additional facts he may think useful for his campaign. No voter is obliged to vote for Technodem's first choice, Each voter selects his or her candidate from this list and votes for him or her, through the Technodem's electoral website, on the determination day.

26. Political parties as we know of them today are eliminated since there is no need or justification for their existence or other organizations for electoral purposes. The electoral process is electronic, simple, and abuse free; while the determination day, each great individual inserts his or her electronic Id card into the computer, it is checked against his or her background. If great he or she votes from anyplace in the world for the candidate of his or her selection for the national, state or local office.

27. There is a total secret possession of the means of output of

goods and services. This possession is highly dispersed with no concentration in the hands of a few.

28. Giant corporations are automatically disintegrated into some smaller institutions once the workers take over the management. Huge overhead expenditures are saved.

29. A new free store cheaper is established with fair and open competition based on equality of opportunity.

30. No individual taxes, no property taxes, and no communal security taxes.

31. There is security of environment, preservation of natural resources, and meaningful use of them for communal benefit and keeping them in proper shape for the future generations as the equality of opening requires.

32. A great outcome of this ideas is the disappearance of all economic, political and communal interest groups. There won't be any need or requirement for their existence. People, for the first time become free of all pressures, demands, and restriction of thousands of such organizations that exist today together with all charitable organizations. What a remarkable freedom this would bring.

Morality Under Technological Democracy

The moral boundaries of technological democracy are very broad based on the principle of equality of opportunity. No conceivable tasteless ethical code can be overall adequate to cover nearly boundless domain of these moral possibilities relating to such values as honesty, integrity, humility and freedom. It is impossible for any mind to comprehend the infinite collection of individual freedoms and good deeds ensuing from this foundation of morality. Whether one's interests town around his or her own well-being, or the welfare of others, regardless how broad and extensive these interests may be, the end that the individual may be involved with, is always only an infinitesimal fraction of what could be inherent under this democratic system. It is within these nearly limitless confines that the individual strives for his life liberty and race of happiness.

________________________________________________________________________

References:

The following books and articles explain in information a quite complex ideas of a humanistic future society. Some 30 years of the author's time has been spent in its development. The readers are requested to be inpatient and deeply aware in its insight and interpretation. After Karl Marx's ideas of communism which ended up to be utopian and not assuredly applicable, this is the second scientific societal ideas based on think and logic; it is also pragmatic and practical. For the author's brief biography and books cited below and some relevant articles see his website and http://www.ezinearticles.com/?expert=Dr._Reza_Rezazadeh

Technological Democracy: A Humanistic religious doctrine of the future Society, 1990, pp.365.

Technodemocratic Economic Theory: From Capitalism and Socialism to Democracy, 1991. Pp.359.

Passage to a Just Society: Secrets of Democratic Life, freedom and Happiness. 2003. Pp. 374.

We the People: Democracy as a System, a Humanistic religious doctrine of the future Society, 2010. Frederick, Maryland.: issue America, pp. 64.

This book is a very brief and uncomplicated presentation of the ideas to the normal communal and a guide for a national movement and performance together with the normal strike. For those curious in forming a flourishing movement or action, reading the author's article about the normal assault and some writings from the French philosopher George Sorel concerning his ideas of normal assault are recommended.

It must be noted that when the first two books were published in early 1990s, Vice President Al Gore had not yet invented the Internet.

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Identity Theft - 12 Ways to reduce Your Chances of Being a Victim

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Imagine you have been temporarily living out of state for work. You conclude to make the job permanent, and so it is time to sell your home. You return home, astonished, to find renters living in your house, the rent money being paid to person unknown, and a second mortgage has been taken out on your home (payments not being made, of course).

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Or, imagine you opened a new checking inventory and received a debit card. You only used this debit card one time, to rent a U-Haul. Within three days of renting the U-Haul, you receive insufficient funds notices from your bank. Apparently several airline tickets were purchased with your debit card number.

Now let's say you spend two months dealing with your bank, the airlines, the police department, and the district attorney - only then you find out the person that used your card estimate was put in jail two days before for other fraud crimes (you were his last hurrah before jail). You can't prosecute because he is already in jail!

This categorically sounds frustrating, but then four years go by. You have the same bank but a different debit card. Somehow, online purchases (that you didn't make) start showing up on your bank statement. You are a victim again and, turns out, by the exact same private that victimized you four years earlier.

Do these stories sound horrible? These are real life accounts of victims of identity theft, ready at Privacyrights.org. Identity theft is thought about a victimless crime - no one gets shot or stabbed. Yet, if you asked those targeted by id fraud, they would categorically avow that something horrible happened to them, and in some cases, continue to happen, due to their information circulating in criminal circles.

12 Ways to cut Your Chances of Becoming a Victim of Id Theft

Buy a cross cut shredder and shred all documents containing personal identification information. This prevents thieves gathering your information straight through "dumpster diving." Have your checks delivered to your bank instead of your home. Thieves can and often steal information from your mail box. Have mail delivered to a locked mail box, drop mail off at the post office and have mail stopped when on vacation. Cancel reputation cards that you have not used in the past 6 months - do not carry cards with you that you do not use. Do not carry your collective security card with you. Leave it in a security box. Be watchful when using Atm's or typing in your Pin estimate during debit card purchases. Identity thieves often "shoulder surf", surreptitiously looking over your shoulder to memorize your Pin. Do not give out personal information over the telephone unless you made the perceive and are obvious who you are talking to. Only use encrypted sites when shopping on the internet - look for the fulfilled, lock on the bottom right of your internet browser. thought about go over your reputation card and bank statements to scan for suspicious purchases. Get a free copy of your reputation narrative from all three reporting agencies annually. Note who has made inquires into your reports and what types of reputation you have. Note the usual times you receive your bills. If one does not arrive when you expect it to, an identity thief may have changed the address they are sent to. Great yet, sign up to receive your bills online. Be aware of many fraudulent but official-looking emails sent to you. Banks and financial institutions will never send you emails request you to verify your information by logging in. When in doubt, always type in your bank's website address and login from there. Links in emails can be categorically manipulated to look authentic.

Due to the speed at which identity theft is growing, it is a good idea to study other preventative measures to protect yourself.

Fraud Alert - This step is normally taken after you feel your reputation is at risk. You can call the three major reporting agencies and have an alert placed. This aid will alert you anytime reputation is requested in your name. It also informs the creditor to speak with you directly before issuing reputation - although creditors are not required to result straight through with this step. An alert normally only lasts for 90 days and will then have to be supplanted - nor it does not stop reputation from being issued.

Credit ice - You can call the three reporting agencies and have a reputation ice located on your reports. This makes it impossible for reputation to be issued with your information (including you). The reputation ice can be lifted (for a - fee, depending on the state you reside in) and then supplanted after you have gotten the desired reputation (for other fee). As of Nov. 1, 2007, every state allows you the quality to place a ice on your credit.

Credit Monitoring - This is a aid that can be purchased for a monthly fee. These services constantly check your reputation reports from all three reputation bureaus and alerts you when something is modified. Most clubs also offer some form of assurance and gives you an easier quality to ice your reputation (for an extra fee, of course). reputation monitoring does not forestall identity theft - it just serves as an early warning system.

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Spend Eight Minutes And I'll warrant a Higher credit Score

Follow the simple steps I will figure in this report and you can massively heighten your credit score in 30 days. Remember this is a brief 8 limited read and I can't cover all in detail. I have full explanations in my guide to credit recovery. Also if you read this and that's all you do, it will not help! You must take action to see improvement.

1. Order your credit report from from the free annual credit report site. Every 12 months you are able to get a free credit report per the Fair credit Reporting Act. It won't have your credit score but will have all of the information on your creditors and your cost information. Scour this report and look at what is on it. Precise any inaccurate information like birthdays, addresses, employment information, aliases, and public safety numbers.

2. Delineate the negative credit information that is listed on the report. You must Precise any errors as soon as potential by disputing them through the credit reporting agencies. These credit reporting agencies have 30 days to study and write back to your inquiry. If they cannot verify the negative item your disputing in that time frame they must take off it from your credit report. By removing these negative items you will see a dramatic increase.

3. If you have a lot of open balances, look at your total credit limit versus how much you owe. You want to make sure that your equilibrium is less than 35% of the total credit limit available. If you have 5,000 in credit available to you don't have over 1750 as you equilibrium due. Obviously being less than that is great also. There are many ways to do this by addition credit limits, equilibrium transfer portions of balances, and paying down accounts.

4. Avoid any inquiries into your credit report. Every time someone pulls your credit, it is determined an inquiry and can lower your score up to 5 points as a normal rule. Another way your score can be lowered, is by opening up a lot of new accounts at once because their newness is a red flag to the credit bureaus.

5. Call your creditors and ask them to lower your interest rate. If you have been a customer a long time and have paid well they will do this. Threaten to move over to Another card that has a 0% transfer rate. They want you to stay and will help you by lowering your current interest. How does this help to increase your score? Now with the lower cost you can overpay on the account and get rid of the balance. By reducing debt load and paying this off quicker you will bump up your score.

6. If you are in collections or have fallen behind call and talk to the creditor. If you can pay off the range or late card, offer to pay it off if they delete your collection. They will also lower the payoff if you deal with them enough. Many times you can also ask them to re-age your account to a good standing with a large payment. Not having the range or late cost will help your score a lot.

7. Pay on time. I know it's basic but many people just don't do it. Time is on your side with credit repair as your negatives will not lower your score as much the older they get. If you pay on time for a while you can call and ask the creditor to delete old negative information. Some will do it because they want to keep you as their customer.

8. Don't close old non used zero equilibrium accounts. One of the best things for a high credit score is older good paid accounts. Shows you have a long credit history and have paid on time. Where this can influence you is when you equilibrium transfer your equilibrium to get a zero Apr and you close the other account because you transferred from it. Not only do you have an inquiry but you have taken a seasoned account and supplanted with a new one. Make sure to keep those old accounts open for credit report purposes.

9. Set up self-operating payments if at all possible. Look, we all have good intentions but once and a while are busy lives get in the way. If you have an self-operating cost set up then the hiccup will be covered. Sometimes you can deal with the creditor and get a lower rate for setting up auto withdrawal.

Keep in mind this was supposed to be a thirteen limited guide. I can't go into the full explanations of all nor give you all of the tips. These simple steps I have outlined are quick and easy and can positively be implemented to raise your score. If you succeed these I think you will see a dramatic increase in 30 to 60 days and something can happen sooner. Keep in mind that with a limited elbow grease you can have a big reward. On the other side of the coin, no action and this quick guide becomes useless and you just wasted 8 minutes learning about something that will have no influence on your life.

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collective security Card For a Us Born population

No.1 Article of Replacement Social Security Card Application

Lost your public protection card, or was it stolen? If so, public protection will replace it for free, but you are itsybitsy to three replacement cards in a year and 10 during your lifetime.

Legal name changes and other exceptions do not count toward these limits. For example, changes in immigration status that require card updates may not count toward these limits. Also, you may not be affected by these limits if you can prove you need the card to prevent a essential hardship.

Replacement Social Security Card Application

In order to get a replacement card you must complete an Application for a public protection Card (Form Ss-5) and have documents that prove you are a U.S. Citizen.

collective security Card For a Us Born population

You will also need documents proving that you possess U.S. Citizenship and to prove you're identity. This data must then be taken to your local public protection office.

Citizenship

Only confident documents as proof of U.S. Citizenship will be accepted. These contain a U.S. Birth certificate, U.S. Consular report of birth, U.S. Passport, Certificate of Naturalization or Certificate of Citizenship.

Identity

Social protection will accept only confident documents as proof of identity. An suitable document showing your identity must be current (not expired) and show your name, identifying data (date of birth or age) and preferably a recent photograph. For example, as proof of identity, public protection must see you're:

U.S. Driver's license;

State-issued nondriver identification card; or

U.S. Passport.

If you do not have one of these specific documents or you cannot get a replacement for one of them within 10 days, public protection will ask to see other documents, including:

Employee Id card;

School Id card;

Health assurance card (not a Medicare card);

U.S. Military Id card; or

Adoption decree.

One document may be used for two purposes. For example, you're U.S. Passport could be used as a proof of both citizenship and identity.

Note: All documents must be either originals or copies certified by the issuing agency. public protection cannot accept photocopies or notarized copies of documents.

Your card will be mailed to you as soon as all of your data has been suitable and you're documents verified.

The replacement card will have the same name and whole as your previous card.

Keep your public protection card in a safe place. It is an prominent document. Do not carry it with you.

my response collective security Card For a Us Born population

How to Register to Rcbc AccessOne Online Banking

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Rcbc bank is one of the foremost market banks in the Philippines with numerous branches spread all across the nation. It has separate banking products and services specifically noteworthy for its customers like savings account, checking account, credit cards, loans, speculation funds and a lot more.

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How is How to Register to Rcbc AccessOne Online Banking

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What is Rcbc AccessOne?

Rcbc AccessOne is the online banking utility of Rcbc that gives way to your Rcbc accounts and carry out banking dealings anytime and anyplace as long as you have Internet access.

Feature and Advantages of Rcbc AccessOne Online Banking

It is a good thing to accumulate an Internet banking because of its benefits in case,granted to all the bank inventory holder. Here are the typical features of Rcbc net banking.

1. See updated present and ready for use balances of your current and savings accounts, time deposit accounts and all international accounts.

2. Pay your online purchases from Rcbc eShop using your Rcbc AccessOne account.

3. Create a finance transfer

By utilizing your Internet banking, you may be able to change money out of your enrolled accounts, change cash to an additional one Rcbc bank accounts, or forward money to other Bancnet component banks up to maximum P50,000 (inter-bank fund transfer).

You can also add to your bank inventory the frequent beneficiary of your finance transfer, or you may seek for them. You may also be able to view your pending transfers and make an inquiry relating to the status of your money transmittal.

4. Remittance Query

Using Rcbc internet banking, you can ask the condition of your remittance by only logging the reference whole or the legitimate receipt of your remittance. This is a good feature since it may tell you where's the money you sent.

5. Charge Payment

Rcbc AccessOne allows you to pay for bills via internet to listed merchant billers. It enables you to view and register frequent billers, carry out payments to listed and non-registered billers, make an one time or repeating payment, and look into the status of your bills payment.

6. Bankard Administration

If you own a Bankard credit card, you can register it to Rcbc AccessOne by just entering the badge number. You may as well view your credit card details and performance article using your Rcbc internet banking account.

7. Entrust in Time Deposit

Investment in time deposit will be simple once you accumulate an Internet banking at Rcbc. You may make online speculation and payout to or from your accounts. In addition, you may also procedure the article of your card's transactions.

8. Rcbc net banking enables you to ask for checkbooks and managers check and accumulate queries about your check's details and condition.

9. If you have any difficulties with your bank inventory or Rcbc AccessOne account, you may send and get emails to or from Rcbc.

10. Update your Vita

It will be simple to Update and turn your personal data, replace your telephone number, turn your password, and many more via web banking.

Procedures on How to Apply for Rcbc AccessOne Online Banking

Fundamentally, there are two kind of registration you can do relying on the type of inventory you have. It is easy to register because you may do it via internet.

If you own a bank inventory at Rcbc without Atm, you shall consequent the steps summarized underneath for registration.

1. Visit Rcbc website and see for Rcbc AccessOne. Click the 'Enroll Now' button and next pick registration for non-Atm accounts.

2. Go over and agree with the terms and conditions for using Rcbc online banking.

3. Provide the inventory whole you would desire to register, entirely fill up the request form and click Submit.

4. After getting the complete form, print and sign it and then submit it to your field for approval. You may send it through snail mail or delivery couriers.

5. Please take note you ought to submit the complete form in a period 10 days from registration or else your registration for Rcbc AccessOne may be forfeited.

6. You can receive a confirmation email when your Rcbc AccessOne has been activated.

If you have an Atm inventory in Rcbc and you want to register in internet banking, you shall adopt the steps below.

1. Visit Rcbc website and go to Rcbc AccessOne. Click the 'Enroll Now' button and pick enrollment of Atm accounts.

2. Read and agree to the Terms and Conditions of Rcbc internet banking to continue the enrollment process.

3. Type your card whole and Atm Pin, after that, theory will look for all accounts linked to that inventory number. You should select a original inventory from the accounts linked to your Atm Card.

4. Fully fill up the online registration form and click 'Submit'.

5. You may get a confirmation email when your Rcbc AccessOne internet banking has been activated. Please take note that registration executed while banking days may be automatically activated within 24 hours and weekend registration may be activated after 2 days.

Rcbc AccessOne is the internet banking premise of Rcbc bank that provides anytime and in any place banking for all its customers. Its a great banking utility that all inventory holders must get because it offers great quantity of benefits and privileges.

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Pros and Cons of Rfid Technology

#1. Pros and Cons of Rfid Technology

Pros and Cons of Rfid Technology

I. Rfid Advantages

Pros and Cons of Rfid Technology

Radio Frequency Identification provides a significant assistance that is capable of revolutionizing the way clubs track products. There are many benefactors of this technology: the military, retailers, suppliers, consulting firms, producers of the technology, and consumers. Rfid provides clubs with a good alternative to bar-coding because no line-of-sight is needed to read a pallet, a carton, or a product with a Rfid tag. Rfid tags also comprise information on the product that is as a matter of fact readable and accessible for the reader. Rfid will also begin to automate company's furnish chain, reducing labor costs, human error and time spent checking in products.

In 2005, manufacturers and suppliers requesting new bids from the soldiery must be Rfid compliant on four distinct levels: packaged operational rations, clothing, tools, and weapon ideas repair parts and components. The soldiery requires that all cartons and pallets are shipped with a soldiery Shipping Label which displays shipping data. The group of Defense has created the Rfid soldiery yielding clarification as a way to help suppliers and manufacturers meet the military's new standards for Rfid. The program is run by Avery Dennison sell information Services, and they were commissioned by the Rfid soldiery yielding Solution. Avery Dennison sell information Services sells the Rfid tags to clubs which must be affixed close to the soldiery Shipping Labels to comply with group of Defense regulations.

The U.S. soldiery is salvage an big whole of money by using active and passive Rfid systems. By using Rfid for communication and communication systems in Iraq and Afghanistan, the soldiery is able to diagnose and fix problems much faster than before. The implementation of Rfid in just this area will save the soldiery close to half a million dollars this year. The U.S. Government has contracted Ibm to do study on the current Rfid being used currently in the soldiery and the potential hereafter applications for Rfid in the military. The soldiery has been victorious in creating good visibility throughout their furnish chain increasing their productivity and stability.

Retailers and other clubs that have a demanding furnish chain can gain an benefit on the field by using Rfid in the furnish chain. By demanding that all levels of their furnish chain be Rfid capable is a big investment. The productivity increase that follows the first speculation and implementation for clubs will pay for their investment. Wal-Mart was the first retailer to use Rfid in their distribution centers and warehouses, prompting many clubs to follow in their footsteps once Wal-Mart's success was realized.

Rfid is very victorious with sell clubs because it improves productivity, saves on human labor costs, and gives clubs real-time visibility with all their products. Rfid tags use an Electronic product Code (Epc) which is an upgrade and a exchange for the Universal product Code (Upc) system. "Epc has a 96-bit code that has digits to recognize the manufacturer, product category and the personel item. Manufacturers gather registration numbers & assign them to products. Each whole is unique to a given item."

The cost of a tag is everywhere in the middle of twenty-five to fifty cents. In the next five to ten years it could be reduced to five cents per tag. At some point in the near hereafter tags could fall to one cent tempting clubs to use Rfid tags on every product in a store. Wal-Mart says that since their shop now have Rfid, it makes it easier to keep store shelves stocked allowing employees to interact with customers.

Target was able to save on their speculation for implementing Rfid, following in Wal-Mart's footsteps as Wal-Mart had already paved the way and suffered the pitfalls of implementing a new technology. In increasing to the lower implementation costs, many of Target's suppliers had already begun preparing for the switch over to Rfid assuming Target would follow Wal-Mart. Target as a large retailer knows how foremost it is to be able to furnish real-time data on pallets, cartons and shipments up and down-stream through their furnish chain.

A break-through in Rfid technology was made by Intermec, Inc. In May of 2006, with new rugged and reusable Rfid tags. These tags can be written thousands of times; it can handle hazardous chemical exposure, and withstands temperatures from -50 degrees Fahrenheit to 250 degrees Fahrenheit. In October of 2006, Intermec released a new version of the rugged, reusable Rfid tag, together with wide-band antenna that can be used on any surface in any part of the world.

Rfid makes the enterprise world seem like a smaller place, even clubs like Wal-Mart who are very big and have a large integrated furnish chain. Rfid enables clubs to be more efficient with their time and space. clubs that concentrate some newer furnish chain technologies with Rfid could see great results. Combining auto-picking with Rfid would cut man-power needed, time needed to move pallets and cartons around a warehouse, and time needed to send pallets to their permissible destination. The goal of a company's furnish chain should be to cut time needed to be productive, by automating as much of the furnish chain as possible. It reduces human error, and machines are capable of running twenty-four hours a day and cost less than human labor. The
application of Rfid for a large enterprise like Wal-Mart or Target, as well as smaller sell shop can ensure a good shopping touch with more in-stock items and a more knowledgeable store.

The Rfid market is booming and many technological clubs have gotten in the game producing Rfid parts and systems. In many cases being a producer of Rfid components and systems also allows you to come to be a consulting firm for the technology. Hewlett Packard (Hp) is one of the largest clubs developing Rfid systems. Hp's goal is to make it as easy and affordable as potential for a enterprise adopting Rfid technology. Hp has touch in the Rfid field, as they were one of the early adopters of the technology and have been very victorious integrating it into their business. Hp began with two larger clients, Hasbro (produces children's toys) and Conros (a large Wal-Mart supplier). Hewlett Packard has created two Rfid Centers for Excellence, one in California and one in Taiwan, to demonstrate new potential uses for the technology, as well as how it can be implemented into a business. More centers are slated to be opened throughout the world, together with Great Britain, Singapore, and Tokyo Rfid Centers for Excellence.

The Rfid market sits at almost one billion dollars in 2006 and has varying estimates as to the increase potential of the market. Estimates of Rfid market size in 2008 vary everywhere from .3 billion by Idc, to .2 Billion by the Yankee Group. As shown in shape 1 in the appendix, most of the commerce is made up of sales of hardware, tags, readers and other bodily products of Rfid. almost 20-25% of the market is made up of consulting work for the technology and the last 5% is made up of software for Rfid. The two biggest areas firms are concentrating on are the yield and consulting sides of Rfid.

The biggest challenges for producers and consultants alike are the reliability and durableness of Rfid systems and products. It is hard to simulate the wear and tear a product will touch over time. Hp has made testing Rfid products one of their benchmarks, providing intense field-testing of Rfid to ensure its durableness and quality. A competitor of Hp is Ibm, who agreeing to Amr study is the market leader in Rfid. Ibm has over eleven years touch working with Rfid, and like Hp, they were an early adopter of Rfid technology. The benefit that Ibm has over Hp is there world-renowned consulting services, coupled with their gigantic networking capabilities. Ibm's services promise more results than Hp's Rfid systems generally because of Ibm's consulting expertise. Ibm works with clubs to uncover the best avenues to implement Rfid, attempting to maximize Return on speculation (Roi) by reducing one person per shift from manually tracking products allowing them to focus on value-added manufacturing activities. Ibm also focuses on other ways to heighten Roi including, contribution a one-time savings of 0,000 in operating costs, continuous fabrication line operations, good customer assistance providing real-time information on products, and less errors and delays cause by human error.

Rfid began to take off once clubs like Wal-Mart and Target, and the U.S. soldiery demanded that their top 100 suppliers must adopt Rfid technology. Many suppliers were not ready for a move like this, a move that would completely retrofit their current operations at a high cost to the supplier. There were some suppliers that welcomed the change in technology and already began implementing Rfid in hope of Wal-Mart and the U.S. Military's examine that their suppliers adopt the new technology. Wal-Mart demanded that their top one hundred suppliers would need to be Rfid ready by January 2005, and to Wal-Mart's surprise, twenty three extra suppliers have volunteered to make the change to Rfid. There is a new generation of tags that hit the market in 2005, called the Gen 2 Standard, which make Rfid more challenging to suppliers who have no Rfid systems in place. The Gen 2 Rfid improves on the first generation of Rfid by increasing read times, increasing read ranges, and read tags more accurately.

Suppliers and manufacturers will consideration the benefits of implementing Rfid into their organizations streamlining parts of their operations. Return on speculation is the most foremost factor for a enterprise implementing Rfid. Suppliers will see their Roi increase as human labor hours are decreased, human errors are decreased and interoperability is increased. Rfid increases the visibility of the suppliers so they can do their job in real time, assuring that the correct holder is sent to the correct location. It also saves money in the long-term for manufacturers and suppliers because Rfid will save time spent inventorying and tracking products. An benefit for suppliers and manufacturers using Rfid is customization of products in a shorter period of time. Smaller suppliers and manufacturers will have a harder time implementing Rfid, as costs range from 0,000 to million to implement the technology, but as costs go down more clubs will adopt Rfid.

Rfid does have another potential benefit for suppliers that could give them invaluable information. For Wal-Mart suppliers, readers are set up at the back door so suppliers know when their shipments have arrived increasing visibility for both entities. A second reader is placed at the entry to the sales floor so the supplier can see what is on-hand on the sales floor and in the stock room. This will allow the supplier to see which products sell good than others so that they can be replaced, and it also allows the supplier to originate more correct sales forecasts. A secondary benefit of Rfid is that the promotions that merchandisers spend a lot of money to set up are often left in the stock room for too long or are improperly placed. Now merchandisers and vendors can make sure their promotions are being handled correctly. Suppliers and manufacturers have the potential to save money on yield costs, while manufacture money on customized products.

Consumers should be the extreme winner with Rfid being implemented throughout a company's furnish chain. In the long-run, shop will save money throughout their furnish chain, thus bringing down costs to consumers. Consumers should also expect to find more helpful and more informative customers assistance with clubs that have Rfid. These clubs now have real-time data to share with the customer. A buyer complaint about sell shop has all the time been that there are too many out-of-stock items; however, with Rfid in place many of these shop should see a significant decrease in out-of-stock items. Having Rfid tags on inescapable products can also make people's lives much easier, such as a microwave that is a reader and recognizes the tag of the food you put in and will automatically cook it agreeing to the directions on the tag. It also helps environmentally because clubs will use resources more efficiently, benefiting everyone. Once Rfid tags are able to be used on food products it will make a recall on a inescapable item much easier and it could potentially save lives.

Consumers use Rfid everyday and many do not comprehend the benefits they are receiving from the technology. Contactless cost is a developing technology, the card being used contains a tag and the cost area contains a reader. Mobil and Exxon use a "Speedpass" as their contactless form of cost allowing customers to wave the card in front of a reader to pay for gas or whatever in the suitable store. Visa and Mastercard are the two biggest developers of this technology, claiming that it will benefit everyone from consumers to businesses. It allows population to have preset money on a card (either debit or credit) which decreases waiting time at check-out stands and increases loyalty to clubs that offer this feature. another use of smart cards is keyless entries, which is becoming a beloved trend in America, using just a card and swipe it over the sensor to allow entry. Rfid is a beneficial technology for consumers salvage time and contribution conveniences customary bar codes, prestige cards and keys cannot offer.

Rfid contains many advantages over customary ways of coding pallets, boxes and products. It allows for non-line of sight reading of the tag which shop all the product information. Rfid reduces human labor costs and human errors through the furnish chain salvage clubs money, as well as reducing theft in the store and warehouses. Rfid can save lives as well if there is a recall and the recalled food item or product is tagged, then it would be easier to gather all the units.

Ii. Disadvantages

Radio Frequency Identification has been around for over fifty years, but it has been the rapid amelioration and deployment of the technology over the last five years that has raised people's awareness and insight of the technology. While there are many potential benefits for Rfid, there are many pitfalls as well. Every level that could benefit from Rfid can also reap negative rewards from the technology.

The U.S. soldiery was one of the early adopters of the technology using it for over ten years in a minuscule area of their operations. In 2003 they upgraded their usage of the technology by demanding that all suppliers must affix a Rfid tag to every pallet, carton and big-ticket item being shipped to the military. The biggest qoute the soldiery faces is an issue of security. With faultless product information on a tag it is easy for an enemy of the United States to pull information off a tag. This could follow in loss of life of U.S. Soldiers or even U.S. Civilians if the wrong product ended up in the wrong hands. The tags could apprise enemies of potential weaknesses and strengths of our soldiery and give them a view on how to attack us at our weakest points.

Large clubs like Wal-Mart and Target who use Rfid face many potential problems with the technology. Rfid has no proven infrastructure manufacture it difficult for suppliers to keep up with these company's demands to come to be Rfid-ready. If the suppliers cannot effectively implement Rfid into their business, then retailers cannot fully view their furnish chain. If retailers cannot get all their information in real time over their whole furnish chain, then the issues they are trying to solve will remain problems. Out-of-stock items, first-in-first-out products and last-in-last out products will still cause problems for these large retailers.

Epcglobal is a start to an international standards body for Rfid. It has yet to be beloved by the International society for Standardization (Iso) and there is still not a global frequency standard. While 900 Mhz appears to be the best frequency due to its long read-range capability, 13.56 Mhz is still used delaying the standardization of global frequency for Rfid. High costs of Rfid implementation is the reckon many mid-size and smaller retailers have not adopted the technology. The short-term outlook for clubs who use Rfid isn't impressive, although long-term benefits will be realized.

Privacy issues are the whole one pitfall for Rfid and retailers. As long as the tags are only affixed to pallets and cartons then the retailers would not have any specific information on the consumer. However, when Rfid tag prices fall, clubs like Wal-Mart and Target plan on using Rfid tags on personel products which they can trace consumer's buying habits and other information consumer's wish to keep private. It was privacy issues that force Benetton to cease their pilot Rfid system. They wanted to embed a tag in articles of clothing to stop theft, conclude buyer buying habits and keep their inventory at an thorough level. Privacy advocate groups such as the Consumers Against Supermarket Privacy Invasion (Caspian) fight clubs using Rfid to track buyer behavior. A study showed that up to 78% of America was against Rfid based solely on privacy issues. It will be difficult for clubs in the hereafter to tag personel items without a communal outcry without some form of safety for the public's privacy rights.

Consumers have the largest disadvantage of any other entities involved with Rfid technology. There are five privacy issues that consumers must try to protect themselves from: private placement of tags, unique identifiers for objects worldwide, gigantic data aggregation, private readers, and personel tracking and profiling. private placement of tags by clubs is an easy way to get information from consumers. The buyer will feel safe buying a product with no knowledge of an Rfid tag embedded in their clothing. These tags theoretically could track a person around the world if there were readers in specific locations throughout the world. Personal information may also be embedded in these tags giving information as detailed as your curative history. Prada and Swatch use embedded tags in their clothing, and Benetton did as well, but a boycott of Benetton was victorious and they removed their tags. There is no law against clubs embedding tags, and only California and Utah have made official requests to change the situation.

Companies who use Rfid can compile gigantic amounts of data on consumers, together with product likes or dislikes, buying power or even prescription history. Rfid makes it easy to amass this data and to prescription correlations. If a corporation owns many shop they can concentrate data in the middle of clubs and generate new data on buying habits.

Hidden readers violate people's privacy much the same way private tags do. Gillette and Accenture are introducing "silent commerce" which embeds tags on people's products and readers in strategic locations without the consumer's knowledge. These clubs have experimented with distinct reader locations fluctuating from private carpeting locations to shelve locations and even private in floor tiles. Readers could even be installed in doorways on street lights, everywhere that population have to pass through, and instantly all information embedded in the tag is broadcast to the reader. If this were to happen privacy would be impossible because you would never know if the products you have comprise tags, and you never know when you are within presence to a reader.

The disadvantages of Rfid hinge generally on privacy concerns, technological imperfections, cost of the technology and no proven way to set up an Rfid ideas for a company. The government and corporations are the two groups that offer the most concern for privacy issues. private tags and readers threaten to take away human mystery, contribution a world where population see, feel and hear only what the government and large corporation want population to.

Iii. hereafter of Rfid

The hereafter of Rfid is uncertain, however, the technology is here to stay. clubs have many obstacles to overcome to make the technology a feasible selection to be implemented. Privacy issues and will persist, although cost for Rfid systems will decrease. In order for Rfid to be successful, clubs must work with privacy advocate groups to originate a fair way to implement Rfid without alienating their customers.

Technology will continue to originate for Rfid and many new applications will be realized. Automation will be a side-effect of Rfid development, in the furnish chain and in everyday activities. Contactless cost methods are already available, as well as automated keycards to open doors. Rfid tags installed in cars with readers on the roads and freeways will alert the authority if you are breaking the law. Supermarkets will finally be able to comprehend their shopping cart checkout ideas once prices fall to a more affordable price. Fresh foods, metals and liquids will all be Rfid compatible in the near future. If privacy issues are not watched closely, population will come to be tagged and there will all the time be person watching and analyzing every person's decisions.

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seclusion - What Are You Going to Do?

For most of my working life, other than to try and save a small money, I've never given that much belief to being retired. But I have to admit, by the time my sixty-second birthday came around, the belief had crossed my mind more than once. I began to weigh in my mind what it would be like to quit my steady job and ride off into the sunset. Every day could be the same, or they could be different. Each day could be anything I select them to be. What would it be like to roll over and go back to sleep when the alarm sounded at five a.m. I wondered.

October 12, 2005, I will not only be eligible to start receiving 80 percent of my public security, but the benefits earned from my twenty-eight working for a couple of corporations, as well. Still, the belief of living on a fixed revenue raised a few questions and I began to consider if the timing was right.

What would I do with all that free time? Would there be enough money to do what I wanted to do? What if something went wrong; something unforeseen; something catastrophic? Would I be happy? How would Betty and I manage our increased time together?

On the one hand, I compared the belief of retiring to my time back in the 1970's when I signed up to receive my Gi-Bill benefits to go to college. I was attending classes in the mornings and evenings and working on Tv's in the afternoon. The Tv work was word of mouth and I knew the calls could come and the calls could go. But the 0 I would receive from the government would be as dependable as the sun coming up in the morning. That was my mental at that time.

As I saw it, the worst case scenario was manageable. If the times got assuredly tough and the calls didn't come, I could hold up a partial cost to the university and purchase some food items or make a utility payment. The belief gave me a warm comfortable feeling inside, or as the geeks would say; a warm fuzzy that I could make it regardless of what happened.

On the other hand, all I've ever done is work. I enjoy my time at work. I've always relished getting up on a cold morning and driving out to the plant. I've never grown tired of going into the computer room to check the screens then head down the hall to the lab. There I would pour me a cup from a fresh pot that was already made or brew one myself. Afterward I would go into the next room and discuss what went on during the night with the Mix Chemist.

Sure the jobs have become more rigidly structured, the hours more uncertain, the top managers new and demanding, and some of the more exciting jobs were being taken over by the corporate office, others farmed out to contractors, even. But there is someone else side that I haven't mentioned. I've spent endless hours on the weekends and nights plodding the grounds, pounding the steps to an overhead crane, the control rooms, working with the budgets, attempting to get the most out of every man or woman that worked for me. That has been my program for the past 40-years, regardless of where I worked, or my employer.

I've survived a strike, more than one company being sold, an exertion to unionize one place I worked, and others that were already represented by a local. I've been backed into a corner, been slugged, and once learned that the allocation was busted on a 5 Million scheme while I was on a three-week trip to Sweden in 1984.

I started to worry about the allocation after studying what Bruce Ewing said about the problem. He was the mechanical engineer assigned to the project.

"Ben will take care of it when he returns from Sweden," Bruce had said, switching as much of the attention away from his desk as he could.

The plant was for sale or had just been sold, and there was a lot of conflict on all sides. Every person was eager to impress one of the new managers or throw up a smoke screen to protect his or her own personal interests.

We had a meeting soon after my return and Ewing started throwing papers at me, accusing me of creating the situation. The only question for him was that he threw one too many papers on the table, one of which contradicted the other.

"Ben, you remember that piece of paper?" He said, sounding somewhat arrogant.

"Yes!" I said, after examining the document.

He threw someone else paper on the table.

"You remember that?" He said, piling it on, obviously attempting to paint me into a corner.

Not fully understanding all that was going on and feeling squeezed without any place to go, I picked up the second piece of paper and compared what was written there to what was on the first piece, then gave a ragged sigh of relief.

"Yes...and there's a hell of a lot more money on this paper than there is on that one," I said, pointing to the first piece lying on the table.

Frank Weigle, the mill superintendent, reached for the two apparently contradictory pieces of evidence.

"Let me see that!" He demanded and began to search for the documents, item by item.

After comparing the dates and dollar values, Frank turned toward the mechanical engineer.
"What happened, Bruce?" He asked him.

Without hesitation, Ewing kept a straight face but began to backtrack.

"Well, we ran out of money and I had to get it somewhere." He said.

I kept those two pieces of paper, mental they might come in handy later and survived that small debacle along with a few others that cropped up over the years - some that could have been avoided, others that were inevitable.

Another, although nonrelated, incident occurred when I gave my consideration to leave the 2-way shop in Dallas. Sometime after he learned I was leaving, one of the salesmen came by. We talked a while without anything of a substantive nature being discussed. And, had the conversation ended in that manner, I most likely would not have remembered the brief encounter at all. But, before we parted, the salesman ended our casual conversation with an unusual comment. I suppose it would be more accurate to enumerate the salesman's remarks as more philosophical or a scientific statement of fact, rather than "It's been nice knowing you; I'll see you later" sort of remark.

What he said was this. "When a person comes to work for a company, it's like sticking your finger in a bucket of water. There are a few ripples at first, but if you and the company are a good match, the ripples quickly diminish and there is no sign that you are even there."

He paused a moment to transfer glances with me before continuing.

"Then, when you leave the company," he went on, "it's the same thing but in reverse. You take off your finger from the bucket and the ripples return, but just as quickly they fade away, and there is no real evidence that you were ever there."

I scratched my head and starred in puzzlement as the salesman walked away. What was he trying to tell me; that I was a good worker and would be missed; that I was a bad worker and wouldn't be missed; or that my time there didn't matter, regardless?

Then there was the incident at the steel mill in Sand Springs a few weeks before I left for Pryor Creek. I had not fully made up my mind to leave when a salesman came into the office and my boss, who was Frank Weigle at the time, was bragging about the work we had done to automate the mill.

Weigle was sitting behind his desk; I was standing by the door; and the salesman was seated over from my boss where he could see the both of us.

Frank said, "Anyone can run this mill!"

The salesman countered, "You mean to tell me that any Tom, Dick or Harry could come in here and do any job out there?"

"You damn right," my boss shot back, proudly. "I could bring any swinging dick in here off the street, and he could do any job I've got."

The salesman just sat there a moment, switching his gaze from my boss to me without exciting his head.

Finally, he said, "Well, Frank, if the mill is automated to the point where any dummy can run it...guess who you will have running it soon?"

Following the salesman's pointed remark, I saw a blank, hollow look creep over my boss' face. But he didn't say anything, and I turned around and left the room.

Later I belief about what the salesman had said, and I suppose he was right, or at the very least he had a good point. If dummies were what we had, or would ultimately have, then what did that say about me?

Now, all these years later, I'm sitting at my desk contemplating my demise or disunion from any time to come conflict or condition of a similar nature, mental it would be best to leave it all behind and chart a new course. A path without the rapids, perhaps, assuredly not the rabid sharks that populate the deep water, the fire coral that inhabits the reefs, the competition for a tasty snack that could be there for the taking - or snatched away at the last moment by some greedy power hungry bastard or person more deserving.

When the last batch of managers came on board, I remember going down in the plant to a meeting in the maintenance office at 6:30 a.m. I had just walked into the room when Herb Leeman, the Maintenance Supervisor conducting the meeting, asked me what I was doing there.

The people imaginable to be there were the output Shift Foreman, the Maintenance Foreman, the Electrical Supervisor and possibly the Maintenance Manager, if there were some extenuating circumstances such as a major piece of tool scheduled down or had been down for some time. Then there was Herb Leeman, seated at his desk like it was a piece of him, or one of the hundreds of tattoos that covered most of the skin surfaces of his body.

I was there because the plant was computerized to the point of being automated 90 percent. I filled in for the Electrical Supervisor at times, and I felt my position as the computer guru was an prominent cog in the plant's machinery. I felt that I needed to be there. I wanted to know what tool was down, if anything, and what was being planned for the day. But obviously the Maintenance Supervisor didn't think so, or he would not have made such an uninspiring remark - at least that was my mental at that moment.

He said, "What are you doing here?"

I don't remember my response but it would not have been what was on my mind. His point was well taken and there was no fancy for me to try and make a case for anything to the contrary.
Thinking that, I tried to put the incident out of my mind and say it wasn't a big deal. But it was. He was trying to push me into a angle or out the door, and it bothered me. But I didn't let it show.

One day some time later, the same person called me on my cell phone and screamed into my ear - something about me not answering my phone quickly enough. Hell, I didn't think I was that prominent to be missed by him or anyone.

Still later I learned he was diabetic and was changing to a new prescription. I suppose he was having resignation symptoms and might not have been the total asshole I had envisioned him to be.

Well, I could go on and on with situation after situation that would have contributed to my mental at the time - my thoughts contemplating leaving or staying. However, the incidents described in the former paragraphs may not have had anything to do with anything. It may have plainly been my mental at the time; that Herb was a hotheaded son-of-a-bitch like some of the rest I had met over my working lifetime. I suppose there are those that would say the same about me, even. I can see a few people mental that. I assuredly wasn't without fault.

Regardless, I suppose the straw that broke the camel's back or brought the matter out in the open, so to speak, was the time my boss asked me when I was going to retire. I suppose my age was showing; I let my eyelids droop when he was addressing me; I didn't fit in his plans; or he feared I would leave and didn't want to be caught without a replacement.

But at the moment he made the comment, if that is what it was, I don't know. Either way, it didn't matter. Because I had not given it a lot of thought, other than to say that I knew the benefit would be available to me later in the year, if I chose to accept it.

The time would have been early in 2005 and at the moment he said that it annoyed me. It angered me to be put on the spot and be required to make a decision I wasn't ready to make. I wanted to make up my mind, on my own time, and coming him with the idea. I didn't want to be pressed into production the decision by him or anyone.

Finally, I sent my boss a sarcastic e-mail and told him that he had won; that I was going to retire. But then tempered a second paragraph and explained that I would work with him to search a replacement.

Hell, if I had been in his place, I would have done the same thing. If my job was prominent and I left one morning without letting anything know ahead of time, it would have put him on the spot. But it pissed me off to have it come down in that manner. I wanted to do anything the hell I wanted to do, and wasn't mental about the company at all.

But then, as the time approached, I began to rationalize that it would not only be great for the company but for me as well. I hadn't planned to leave town or flush my phone down the toilet, cutting off all ties to society. Hell, the plant might start calling me for all that happened and I assuredly didn't want that.

All that being said and etched into stone, I started working on all the necessities: my emotions, my vested resignation with the company, my public protection and the ten years with the steel mill, also medical guarnatee and my 401k.

But it wasn't that easy, even. I was told by the corporate office not to apply more than a month before the date I planned to retire. If I were going to retire on January 1, 2006, it would delay me turning in my paperwork until December 1, 2005.

After peering under a few stones without looking anything, I was becoming antsy to say the least. Still, I prolonged to play the game and applied for my public protection straight through the public protection Administration. There I was told that I wouldn't be eligible to start receiving my checks until the month after receiving my final check from the cement plant. The representative said I made too much money.

Anyway, a couple of months prior to the end of the year, I drove up to the society construction in Pryor Creek and waited covering with a estimate of others for the doors to open.

In about thirty minutes a fiftyish woman showed up, unlocked the door, and pointed to a yellow pad lying on a table inside the door. I assumed she was a volunteer.
"Sign your name and you will be called in the order that they are listed," she said, authoritatively.
I signed my name, second on the list, took a seat along with four or five others and waited for a government representative to arrive.

Later, a time that seemed more like an hour past the time I was told person would be there, a short slightly overweight blonde came in and played the part of being in charge. She was deathly serious at first, but then began to smile and attempted to make Every person feel comfortable.
A small later someone else person came in, a black man wearing a coat and tie, standing over six feet tall and weighing in at about two hundred pounds. He carried a small folder as did the woman and he followed her into a side room and sat down at a small wood desk with his back to a window on the right that overlooked the driveway. The woman took the desk on the left, facing toward the window and over the room from the man.

Betty, her birthday being nine months before mine, told me she was up there the former year. She indicated to me that she was taken care of promptly; that she was given the exact estimate she would receive, the day her checks would start, the whole ball of wax. She said a woman typed it into a computer right there in front of her and showed her everything. Disappointedly, my sense wasn't nearly so straightforward.

What happened was this. The two government representatives disappeared inside the side room but then reappeared in a couple of minutes with a name on their lips. The blonde called the first name on the list: a gray and humped over, feeble, elderly woman, who I overheard to say, was there to get a new public protection card. The black man emerged from the door and called my name.

Returning to his desk, he motioned to a chair over from him and started asking me a series of questions: where I worked, where I was born, my birth date, etc. And etc. All he had in front of him was a yellow pad similar to the one we signed our names out front and a red No. 2 lead pencil.
The man was kindly enough, and a small or two later, no more than five minutes at the most, he ripped the page off and told me he would be in touch. He said that then reached down to insert the paper in his briefcase.

I was a somewhat startled that it was over so soon. At least that was my take at the moment. And to make matters worse, I didn't remember him asking me for my name.

"Did you get my name on that paper?" I asked him.

He froze for a moment, displaying a puzzled look on his face then retrieved the paper, glanced over the page briefly then responded, "No, what is your name?"

I told him and he wrote it down then started toward his folder again, but paused when I asked him if he had my public protection number.

As before, he glanced over the piece of paper before responding.

"No. What is your public protection number?"

I told him and he started toward his folder again.

I couldn't think of anything else he may have missed and grabbed the self-addressed, letter size brown envelope he had located on his desk earlier and asked me to use it to send my Dd214 back to him.

I asked him about the point of the form and he said that there might be some additional funds available as a result of my four years service in the Navy.

"It want be that much, possibly twenty to thirty dollars a month," He said. "But it should be worth looking into."

I thanked him and got up to leave, feeling like there had been some expand made on my first exertion to get my paperwork in order and start along the path to being a retired person. But, as I found out a few days later, there was more to be done. Over the next some days I received a estimate of phone calls from him, but was unable to reach him in return.

Finally, I decided to take matters into my own hands and returned to the Sertoma Club the following month. I didn't know if the same person would be there or another, but I didn't feel comfortable with all that had happened up to that moment.

The next month the same man was there and he acted nonchalant like all was in order. He said that, but added that I still needed to mail him a copy of my Dd214. When I explained that I was never able to find one in my files and would have to download a copy from a government site, he said that was ok.

"No hurry," he went on. "We have plenty of time. Just get it done in the next few days."

Over the next few weeks, I started to work on a estimate of goals: one of which was to publish my first book, a 9-11 novel, someone else was to join a toastmasters group. I realized that if I was going to pursue writing as a second career, I needed to work on myself. A third goal would be to run in the Tulsa Run.

But, even that wasn't the end of it. There were other things to do as well. First, I wanted to build a small soapbox derby car. My plan was to take a picture of my three year old grandson Dylan behind the wheel and put the picture on the cover of someone else book I had in the works. In addition, I had an old bicycle to rebuild that my dad had back in the 1960's.

Betty has a couple of bicycles and I could be riding one of those anytime I chose. But I wanted my own. Then there is the Writer's Club once a month and the investment Club once a month.
All the things I've mentioned, along with being married and doing some of the things Betty will want to do, should occupy my time, even more so than when I was working. The good part in all of this, I hoped, is that I can work at my own pace, skip a meeting occasionally and no harm will come from it.

Finally, Friday, December 31, 2005 came around. I had all my paperwork done; the resignation dinner, hurriedly thrown together by the girls in the front office, had run its course; and I drove home. But what was I going to do - really?

Sure, I had set a estimate of goals, but what was I going to do the first morning at five a.m. What was I going to do at 5:15 when I would regularly be seated at the dining table eating a bowl of oatmeal and peaches? Then, what was I going to do at 5:30 when I would regularly get in the Ranger and drive out to the plant?

In a lot of ways, it didn't appear that much dissimilar than planning a maintenance outage. Here is a former example of my mental on that.

I had been working at the steel mill but a few short months when the first summer outage approached. When I didn't see a consideration for a planning meeting, I went to normal Electrical Foreman, Max Shauer and inquired about a schedule.

Max, a tall, slim, graying man with a jutting chin, had more than twenty years in the mill. He knew as much about the steel mill as anything and would know if anything of point was coming down the pike.

He glanced up from his desk and smiled as I came into his office.

"What's going on, Ben?" he asked, and watched the door close behind me.

Without responding, I glanced around the room.

"Max, I haven't seen anything on the outage next week. Have you seen anything?"

Max returned his attention to the former day's time sheets lying on his desk, and responded as though the point of my inquiry was the least prominent part of his workday.

"Well Ben, I see you haven't been here long enough to see how we do things around here," he began. Then tossed his pen on the desk, sat back in his chair, crossed his arms, and met my stare.

"Here's how it works. Come seven o'clock Monday morning, we're going to shut all in this mill down: the electric furnaces, the post shop, and the rolling mill. Once that is done, we will go straight through every single piece of equipment. Then, a month later we'll start it back up. And that's all that matters."

He made the whole statement without pausing or taking a breath, then picked up his pen and again returned to the papers lying in front of him.

Not satisfied with his response, I came at him from a small dissimilar direction.

"No, Max!" I said, facing away from his desk and staring at a bookshelf on the east wall filled with books and loose-leaf binders. "What I mean is this," I said, and turned back around to face his desk. "What are you going to do the first small after the tool is shut down, what are you going to do the next hour and the next some days?"

Max was a man who had worked himself up straight through the ranks and had never paid that much attention to all the details. When a piece of tool went down, he sent a couple people to the job site, and they worked on it until it was repaired. If a permanent fix was not possible, the tool was located in a temporary state of repair, awaiting a more suitable down time. I had even heard the term temporary-permanent used in the months since I arrived.

I was standing to the right of the normal foreman's desk and immediately saw signs of frustration deepening the lines of stress that inhabited his face. He froze for a second, lifted his head, and his eyes met mine. Also, this time, there was a noticeable hint of combativeness in his voice.

"Look, Ben!" The normal foreman said, again tossing his pen on the desk. "Come Monday morning, I'm going to shut this son of a bitch down; I'm going to put every man I've got on it; and do anything the hell it takes! Then a month later, I'm going to start it back up, and we'll work our way straight through the mill, piece-by-piece, until we get this son of a bitch back on line!"

Ha-ha. I suppose resignation is a small like that for some people. When that day comes, they will ignore all the details and do anything it takes. But that method, the same as planning an outage, would appear to have some tripwires. If you are married and your spouse has his or her own life and you throw the two of you in the same house twenty four hours a day, I would think most people would start to have a problem, most assuredly after a few days or weeks doing that.

And in my case, I wouldn't be able to set up shop in one angle the living room or a bedroom and write eight to twelve hours a day. Betty would not let me do that, even if I wanted to.

Already I've heard one of her comments.

"All you do is sit there and work on that book!" She said.

So what was I supposed to do?

a fantastic read seclusion - What Are You Going to Do? a fantastic read

Skip Tracing Tools - Locating habitancy In 2011

#1. Skip Tracing Tools - Locating habitancy In 2011

Skip Tracing Tools - Locating habitancy In 2011

What is a skip trace?

Skip Tracing Tools - Locating habitancy In 2011

Skip tracing is the art of locating missing people. "Skips" are what investigators call population who have often neglected some accountability and have gone "missing". Unpaid bills or missed child reserve are two of the reasons why population hide from investigators.

With the rise of the internet in the last decade, skip tracing is now something that the median population is able to do on their own. Uncomplicated Google searches, or searches across social networks are able to return results. However, in many cases it is more acceptable to seek the assistance of a pro such as a incommunicable analyst or debt collection agency.

Social security whole Traces

Investigative professionals have passage to data that the general social cannot view legally. Skip tracing tools give licensed professionals passage to sensitive data like social security numbers, as long as there is a legitimate use for that information. social security numbers (Ssns) are unique to each individual, so they are often the key piece of data needed to search the someone in question.

Think about it, you go to open a new checking account, what do you have to provide the bank? A social security number. If you sign up for a new credit card, you also need to provide a social. The majority of things that require validation of your identity work off of a social security number.

Every time a someone uses their social security whole to open a new account, there is a trail. Saavy investigators know how to put the pieces of the puzzle together and furnish an address. This used to be more difficult before the days of online databases, but now, sometimes all that is needed is a fragments of data on the subject: a date of birth, partial ssn, address, phone number, etc.

Possible Relatives

Some skip tracing databases allow you to view possible connections between relatives. Why is this important? Well, often skips will try to hide assets with family members to avoid reposession. If the assets cannot be found at the skip's address, they cannot be taken away. In many cases, if you can find a relative, you can find the skip.

Marriage/Divorce Records

When investigators have a difficult time finding someone, they may be able to find their spouse or ex-spouse. At times, that spouse (or especially an ex) may be more than willing to provide the analyst with spoton information.

Difficult Skips

There are no skip tracing tools that can ever replace good, old fashioned, investigative skills. Twenty-first century skip tracing tools and investigative database fellowships have decreased that time it takes to find missing people, but some skips are so "off the grid", investigators have to rely on good instincts and deductive reasoning.

Skips who only use cash for their rent payment, groceries, gas, etc. Are difficult to trace because there is no paper trail. Additionally, those who have changed their name, or have assumed someone else's identity may be near impossible to find.

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