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US Fidelis did business as National Auto Warranty Services and Dealer Services in Wentzville, Missouri until they made this name change at the end of 2008. They are being investigated by the Missouri Attorney Generals Office for fraud; not to mention attorney general's offices in near 20 other states. Please also go to the Better Business Bureau to find that they have an F rating on their BBB report card. These salespeople are told to get the payment up front and they mail your contract later. Thus, thousands of people are giving their credit card, savings account, checking account, or debit card information making a down payment on the coverage before they even read the contract. What they are not told is that the contract only will cover the Blue Book value of the vehicle. If repairs exceed that, their contract is DONE. Your car can be up to 15 years old and have up to 200,000 miles on it. SURE!!! If it is only worth $2500 and your engine costs $3000 to be replace, I hope you have $500 to get it out of the shop. That is...if they even agree to fix it. PLEASE, get the word out. Stop the commercials. I know what I am talking about. I used to work there. They are ripping off thousands of unsuspecting people.

So bad it's worth reading, because you're going to see this argument, again, I'm sure. The author argues that universities are, themselves, victims of censorship if they are not free to fire faculty members for expressing political viewpoints which they don't like, because they are being forced to support views they don't like. This is question begging, because it presupposes that by allowing them to stay on its payrolls, a university has allowed those faculty members to speak for it; that the very act of allowing them to stay signals support for their views. This is nonsense. They are paid to teach. Their political views are their own business. Making the point, quite unintentionally I would guess, that the last thing Libertarianism promotes is individual liberty. If you're not free to speak your views openly without fear of destitution, then just how free is speech, really?

This is essentially the story of the latest attack on social security. Everyone who looks at the projections agrees; the scary budget stories being hyped in the media and by the Wall Street crew are driven almost entirely by projections of exploding health care costs. But instead of proposing ways to fix the health care system, these deficit hawks want to attack social security. They tell us that fixing health care is hard. By contrast they think that cutting money from social security will be relatively easy. The facts on this are straightforward and known by everyone involved in the budget debate. The US health care system is broken. We pay more than twice as much per person as the average for other wealthy countries. And it is projected to get worse. In three or four decades we are projected to pay three or four times as much per person for health care as people in countries like Germany and Canada. Since more than half of our health care is paid through public sector programs like Medicare and Medicaid, this explosion in health care costs will bankrupt the government if it actually occurs. Of course it will also devastate the private sector. On the other hand, it is easy to show that if we contain health care costs then our budget problems are relatively minor. In fact, the current projections of enormous budget deficits two or three decades out would flip over to projections of enormous budget surpluses if our health care costs were comparable to those of any other wealthy country.

"It's a hoax," said coal company CEO Don Blankenship, "because clearly anyone that says that they know what the temperature of the Earth is going to be in 2020 or 2030 needs to be put in an asylum because they don't." On the other side of the debate was environmentalist Robert Kennedy, Jr. "Ninety-eight percent of the research climatologists in the world say that global warming is real, that its impacts are going to be catastrophic," he argued. "There are 2 percent who disagree with that. I have a choice of believing the 98 percent or the 2 percent." To social scientist and lawyer Don Braman, it's not surprising that two people can disagree so strongly over science. Braman is on the faculty at George Washington University and part of The Cultural Cognition Project, a group of scholars who study how cultural values shape public perceptions and policy

The best "justice" money can buy via packing the Supreme Court with "conservatives" is bearing smelly, polluted fruit. Specifically, those "conservatives" are showing themselves to be "activist judges" in "watering down" conservation and public safety laws passed by Congress. Polluting "business" entities are apparently NOT to be considered to be within the oft-quoted and loved "conservative" limitation of the purview of the federal government to merely protect the populace from "enemies foreign and domestic". That this pollution kills and injures thousands (and poisons the environment for the countless of the "unborn") apparently doesn't matter (but if Al Qaeda was doing it, then complete suspension of all domestic rights would be justified to "fight" that!). Pictured: In 2007, a pipe maker was fined millions of dollars for dumping oil, lead and zinc into Avondale Creek in Alabama. A court ruled the waterway was exempt from the Clean Water Act. The firm eventually settled by agreeing to pay a smaller amount and submit to probation.

The laws of war are essential for citizens and legislators to master if humanity is to evolve beyond our violent history of war to enjoy civil communities. To bring these basic laws to life, we'll touch on war's history, explain the letter of US war laws, explain the philosophy/spirit of US war laws, and make the obvious conclusion once the laws are clearly understood that current US wars in Afghanistan and Iraq are unlawful orders that our military must refuse and stop as demanded in their oath to the protect and defend the US Constitution.

If you have ever wondered how to learn Tajweed which is the proper pronunciation, when reading the Koran there are numerous ways at a student's disposal these days. Everything from a classroom setting to online courses to YouTube videos to podcasts, so there is a way for almost everyone to conveniently learn Tajweed. However, how to learn Tajweed can be overwhelming. It is suggested that the beginner, start by learning the Arabic alphabet as the only true way to learn the rules of tajweed is in the pure Arabic form. The latest on the Arabic alphabet are just as numerous everything from videos on YouTube to online instructions to interactive CD-ROMs to books. Once you have learned in the Arabic alphabet sufficiently then you can start to learn the manners of the heart, which are the rules that govern the Koran itself. Once you have mastered those, you can then start to learn. The external manners which are the rules that govern the person doing the recitation, and teach that individual how to conduct him or herself while reading the Koran.

Berlin immediately declared its unconditional support for the French invasion of Mali, and has been providing material military aid to the French invasion. As the weeks go on, Berlin is providing more and more support for the invasion. qt: Since the belligerent nature of these operations and the training of Malian soldiers cannot be denied, they must be approved by the Bundestag (federal parliament), which should happen retrospectively in early March. Chancellor Angela Merkel, Defence Minister Thomas de Maizière and Foreign Minister Guido Westerwelle never tire of protesting that they are acting out of "solidarity with France" and for the "defence of the security of Europe against terrorists." This is the same mendacious war propaganda with which the United States justified the war against Iraq. Paris and Berlin say the aims of the war are the elimination of groups such as Al Qaeda in the Islamic Maghreb (AQIM) and the Movement for Unity and Jihad in West Africa (MUJAO). These same organisations were funded and armed in Libya by the US, France, Britain and their allies in Qatar and Saudi Arabia to fight against Muammar Gaddafi. In Syria, organisations like al-Nusra, which is close to Al Qaeda or works with it, are part of the National Coalition of the Syrian Revolution and Opposition Forces (NCSROF), which is recognised by the NATO powers and the Gulf countries as "the legitimate representatives of the Syrian people", and is armed and financed by them to foment the overthrow of the Assad regime. The article says that the invasion is a "dirty colonial war" and that the hated bourgeois regimes in the region are supported only by the French support in putting down uprisings. The role of Germany is unconditional military support for the French invasion. They're making Mali into a military base for the subjugation of Africa for purposes of capital.

Burma is a country with about 0.7 million Muslim population out of total 75 million population. Muslims in Burma have been suffering badly since the year 1962 after the military took over. Since then thousands of Muslims have been killed and thousands of women have been raped but the recent wave of violence is worse than all the previous incidents. Almost every family of Muslims is a victim of Buddhist led regime of Burma. Suffering from such deliberate genocide, many of the Muslims have been compelled to leave their houses and migrate to neighboring countries. The most sad and tragic aspect of this genocide is that nobody is willing to speak against this cruelty. The entire mainstream media is showing criminal silence upon this mass killing going on in Burma against Muslims. We are not seeing any projection for Burmese Muslims in British Broadcasting Corporation, Cable News Network; Fox New, Bloomberg, New York Times, Washington Post, Wall Street Journal, Reuters, and other mainstream print and electronic sections of the media. The response from various Human Rights organizations such as Human Rights Watch, Amnesty International, and others is also very tragic and disappointed. These human rights organizations have failed to project this inhuman genocide against Muslims which is going on in Burma. Like is the case with international platforms or so called representatives of the world. The United Nations Organizations also failed to show significant and powerful response against mass killings of Muslims in Burma. The only considerable response we have seen yet is from the Organization of Islamic Conference (OIC) and a few Islamic countries like Turkey, Saudi Arabia and Pakistan etc. Similarly, social media campaigns are also projecting this inhuman incident effectively; there are a number of pages on Facebook and other social media websites that are raising voice for this cause.

Islam is a balanced religion. It believes in respecting all sects, all cultures and all civilizations. All laws relate to Islam are meant for Muslim benefits . It is true that in the recent years, Islam has become a victim of extremism. The purpose of Islam has never been to spread Islamophobia. Islamic ideas have been exploited to give them the shape of Islamophobia. Islam does not define a mosque and state as distinctive. A mosque is there, to provide a forum to the Muslim to unite and pray. The gesture is to promote congregational prayers, which is also an aspect of Christianity. Islam does not believe in forcing its concepts upon Non-Muslims. Unethical Jehad has never been an Islamic thought. It is just that some extremist groups are trying to manipulate Islam and use the Ideals to their benefit. Islam believes in respecting all religions. That is what the Holy Prophet (PBUH) taught the Muslims. Islam does not preach unkindness to any. May it be your enemy or slave. These are not the aspects of Jihad. A woman can legally have a physical relationship with her husband only. It is definitely no concept of Jihad. Islam believes in respecting a woman, not exploiting her dignity and respect. Islam does not allow illegal confiscation of property during Jihad. Islam does not promote destruction. Taxes does not mean degrading. Taxes are defined to establish a system and maintain a proper division of wealth. If Christian and jews had to pay Jiziah, Muslims had to pay Zakat .Brutality is not a custom of Islam. A Muslim derives so much contentment from Islamic values, that they do not need to run away from the religion. Anything , which drives a person from sanity is not liked in Islam. The reason being that all wrongs can be committed, when a person is drunk and is not in a normal state of mind. This is human nature, that we cannot drive contentment until we avenge someone for the bad they have done to us. However Islam prefers forgiveness. Sometimes a harsh punishment

Economics: I'm going to discuss trillions of dollars in a moment. As an economics teacher, I understand numbers this large are extremely difficult to imagine. If you are among the majority with this difficulty, I recommend that you follow the expert testimony that paints the picture, and know that success in this area of public education transformation that unleashes trillions of our dollars for human creative capacity in unimaginable power is sufficient to end the current economic crisis. This is the longest section of my briefing. If you tire in reading, please consider that at trillions of dollars of annual public benefits, you literally have nothing more valuable to do than understand the following facts and ideas. Harvard's Linda Bilmes co-authored a paper with Nobel Prize winner Joseph Stiglitz estimating the long-term costs of current US wars at now $3 to $5 trillion ($30-$50,000 per US household of $50,000/year income), with total debt increase since 2001 of over $10 trillion. Remember, as demonstrated by the evidence disclosed by our own government, all the reasons Americans were told to go to war were known to be lies as they were told and applicable law proves these wars Orwellian unlawful. Just down the Charles River from Harvard, MIT's Simon Johnson (and former Chief Economist of the International Monetary Fund) describes our economy being lead by gambling oligarchs who have captured government as in banana republics (his words), and might plunge the US into an economy worse than the Great Depression. From his article under the telling title, The Quiet Coup: "Elite business interests-financiers, in the case of the U.S.-played a central role in creating the crisis, making ever-larger gambles, with the implicit backing of the government, until the inevitable collapse. More alarming, they are now using their influence to prevent precisely the sorts of reforms that are needed, and fast, to pull the economy out of its nosedive. The govern

Recently, a controversy raged in the blogosphere about whether neo-liberalism has been a bane or a boon for the world economy. The argument is rather coarse, in that it fails to distinguish between the various elements of neo-liberalism, or moderate deregulation vs. extreme deregulation. But if we take the argument at face value, one of the major claims of neoliberals is that countries in the world which are more neoliberal are more successful (because they are more neoliberal). I disagree. My disagreement is not with the raw correlation between the Heritage Index and Per Capita GDP. A number is a number. My disagreement is with the composition of the index itself, and interpreting this correlation as causation between neo-liberalism and 'good things.' My primary contention below is that many of these measures used in the composite Heritage Index have nothing to do with less government, and a lot more to do with good government. It is these measures of good government that correlate to economic growth and drive the overall correlation between the "Freedom Index" and positive outcomes. Secondarily, I will argue that many of the other items in the index (like investment freedom) are not causes of growth, but rather outcomes of growth.

There are a number things the public "knows" as we head into the election that are just false. If people elect leaders based on false information, the things those leaders do in office will not be what the public expects or needs.Here are eight of the biggest myths that are out there:

It turns out that "The Death and Life of the Great American School System" is a passionate defense of our nation's public schools, a national treasure that Ms. Ravitch believes is "intimately connected to our concepts of citizenship and democracy and to the promise of American life." She issues a warning against handing over educational policy decisions to private interests, and criticizes misguided government policies that have done more harm than good. Ideas such as choice, utilizing a "business model" structure, accountability based on standardized tests and others, some favored by the left, others by the right are deemed as less, often much less, than advertised. Ms. Ravitch doesn't oppose charters, but rather feels that the structure itself doesn't mandate success. As in conventional schools, there will be good ones and bad ones. But charters must not be allowed to cream off the best students, or avoid taking the most troubled, as has been alleged here in New York City. Here main point, however, is broader. "It is worth reflecting on the wisdom of allowing educational policy to be directed, or one might say, captured by private foundations," Ms. Ravitch notes. She suggests that there is "something fundamentally antidemocratic about relinquishing control of the public educational policy to private foundations run by society's wealthiest people." However well intended the effort, the results, in her telling, have not been impressive, in some cases doing more harm than good.

According to this CONSERVATIVE and BUSH Assistant Secretary of Education, "No Child Left Behind" is destroying one of the great social "glues" of America - its public school system. Of course, not only Bush and the Republicans are to blame, Democrats went along with NCLB on the "promise" of extra federal funding for implementing it AND supporting American public schools. That was funding that never materialized due to our other great national priority - making corporate cronies rich via the war in Iraq (and hoping to make the oil companies richer there as well, but apparently failing miserably to do so ... so far). NCLB could have been suspended when that happened, but strangely (NOT!) Bush and the Republican controlled Congress conveniently forgot their promise (perhaps because NCLB unfunded was more like no teachers union left un-destroyed!?). More from http://articles.latimes.com/2010/feb/28/entertainment/la-ca-diane-ravitch28-2010feb28 on this book - Diane Ravitch, probably this nation's most respected historian of education and long one of our most thoughtful educational conservatives, has changed her mind -- and changed it big time. Ravitch's critical guns are still firing, but now they're aimed at the forces of testing, accountability and educational markets, forces for which she was once a leading proponent and strategist. As President Obama and his education secretary, Arne Duncan, embrace charter schools and testing, picking up just where, in her opinion, the George W. Bush administration left off, "The Death and Life of the Great American School System" may yet inspire a lot of high-level rethinking. The book, titled to echo Jane Jacobs' 1961 demolition of grandiose urban planning schemes, "The Death and Life of Great American Cities," has similarly dark warnings and equally grand ambitions. Ravitch -- the author of "Left Back" and other critiques of liberal school reforms, an assistant secretary of education in the first Bush administration and a

"Real, live Germans are not heartless ants, and the Greeks are not broke because they are giddy crickets who sing their summers away. Greece is a grown-up country with grown-up problems: rough, tough politics, and a lot of recent history, not all of it very nice. And it is precisely that recent history, and rough politics, that are at the core of Greece's fiscal woes today. Take the painful question of the huge public sector, and all those civil servants with jobs for life, and unusually generous retirement packages. The existence of those jobs for life is not a cultural quirk, in which Greek officials simply like coffee and backgammon too much to do any work. It is the end result of a brutal, multi-decade power struggle between the left and the right: a struggle that got people killed within living memory."

The laws of war are essential for citizens and legislators to master if humanity is to evolve beyond our violent history of war to enjoy civil communities. To bring these basic laws to life, we'll touch on war's history, explain the letter of US war laws, explain the philosophy/spirit of US war laws, and make the obvious conclusion once the laws are clearly understood that current US wars in Afghanistan and Iraq are unlawful orders that our military must refuse and stop as demanded in their oath to the protect and defend the US Constitution.

Right now, according to a number of studies, we are losing about $100 billion every year because corporate America and the very wealthy are stashing their money in tax havens like the Cayman Islands and Bermuda. We should be aware that in 2009, ExxonMobil made $19 billion in profits and not only did the company not pay anything in taxes, it got a $106 million refund from the IRS. We should also be aware that since 1997, we have almost tripled funding for the military. So if we are serious about reducing the deficit, those are things we need to look at-not at Social Security, not programs everyday Americans need.

Civilizations rise, decay and die. Time, as the ancient Greeks argued, for individuals and for states is cyclical. As societies become more complex they become inevitably more precarious. They become increasingly vulnerable. And as they begin to break down there is a strange retreat by a terrified and confused population from reality, an inability to acknowledge the self-evident fragility and impending collapse. The elites at the end speak in phrases and jargon that do not correlate to reality. They retreat into isolated compounds, whether at the court at Versailles, the Forbidden City or modern palatial estates. The elites indulge in unchecked hedonism, the accumulation of vaster wealth and extravagant consumption. They are deaf to the suffering of the masses who are repressed with greater and greater ferocity. Resources are more ruthlessly depleted until they are exhausted. And then the hollowed-out edifice collapses. The Roman and Sumerian empires fell this way. The Mayan elites, after clearing their forests and polluting their streams with silt and acids, retreated backward into primitivism. As food and water shortages expand across the globe, as mounting poverty and misery trigger street protests in the Middle East, Africa and Europe, the elites do what all elites do. They launch more wars, build grander monuments to themselves, plunge their nations deeper into debt, and as it all unravels they take it out on the backs of workers and the poor. The collapse of the global economy, which wiped out a staggering $40 trillion in wealth, was caused when our elites, after destroying our manufacturing base, sold massive quantities of fraudulent mortgage-backed securities to pension funds, small investors, banks, universities, state and foreign governments and shareholders. The elites, to cover the losses, then looted the public treasury to begin the speculation over again. They also, in the name of austerity, began dismantling basic social services, set out to break th

It has among the lowest tax burdens of any major country: fewer than 2 percent of the people pay any taxes. Government is limited, so that burdensome regulations never kill jobs. This society embraces traditional religious values and a conservative sensibility. Nobody minds school prayer, same-sex marriage isn't imaginable, and criminals are never coddled. The budget priority is a strong military, the nation's most respected institution. When generals decide on a policy for, say, Afghanistan, politicians defer to them. Citizens are deeply patriotic, and nobody burns flags. So what is this Republican Eden, this Utopia? Why, it's Pakistan. It has among the lowest tax burdens of any major country: fewer than 2 percent of the people pay any taxes. Government is limited, so that burdensome regulations never kill jobs. This society embraces traditional religious values and a conservative sensibility. Nobody minds school prayer, same-sex marriage isn't imaginable, and criminals are never coddled. The budget priority is a strong military, the nation's most respected institution. When generals decide on a policy for, say, Afghanistan, politicians defer to them. Citizens are deeply patriotic, and nobody burns flags. So what is this Republican Eden, this Utopia? Why, it's Pakistan.

Madison, Wisconsin - The gears of government tend to grind slowly. But in Wisconsin lately they are racing at turbocharged speed. In just the last few weeks, Gov. Scott Walker, a Republican, has signed legislation to require voters to show photo identification cards at the polls and to deregulate elements of the telecommunications industry. And the Republican-dominated Legislature is now in the midst of advancing provisions to expand school vouchers, to allow people to carry concealed weapons, to cut financing for Planned Parenthood and to bar illegal immigrants from paying in-state tuition at Wisconsin's universities. Why the urgency? Republicans, who suddenly swept into control of this Capitol in last fall's elections, face a deadline of sorts. Though the lawmakers insist that their hurry-up offense is just living up to campaign promises, there is a threat looming: They are at risk of losing their newly won majority in the State Senate as early as next month. New, special elections are expected in as many as nine Senate districts (six of which are now held by Republicans) as part of the largest recall effort against state lawmakers in Wisconsin's history - an effort that grew out of yet another controversial measure Republicans pushed through this spring, a sharp reduction to collective bargaining rights for public workers.