The Current State of Florida’s Financial System

If Florida’s City Council doesn’t vote in favor of the proposed mileage rate increase the state is in danger of facing more budget problems.

The Florida Chamber of Commerce created a six-driver structure to focus six major areas that include, innovation, talent, business climate, infrastructure, governance and quality of life. They will also invest in the new economy by creating more high skilled and higher paying jobs for residents of Florida. The commerce is in support of international trade and would like to see better paying jobs created in that area also.

Employers will focus on restructuring and increasing job opportunities for the work force and focusing on career education that is geared towards the job. The commerce also supports having an energy policy that will be affordable and reliable.

Some of the other concerns that the state will support and focus on are in the areas of property insurance, health insurance, property tax relief, workers compensation, private property rights, Lawsuit abuse reform, constitutional amendment reform, and attainable housing.

The government affairs advocate for the North Florida Region of the Chamber of Commerce, Brock Mikosky is optimistic that the economic situation will get better if free enterprise and capitalism comes into play. He also said that he believes that taxing and changing policies can’t solve the present economic situation. The President of Compass Bank, Nelson Bradshaw blames the economic crisis on the residential mortgage business. He said that it is spiraling down so fast that it has caused havoc for the contractors and sub contractors.

The state of Florida was second in the nation for mortgage fraud in 2008 but in 2006 and 2007 they were number one in the nation for mortgage fraud. Florida Attorney General Bill McCollum has called for several agencies to create a ‘cooperative approach’ to the fraudulent housing crisis after receiving thousands of calls from homeowners who were duped by phony foreclosure rescue agencies.

It has been reported that the housing market is getting better but the consumer must be aware of agencies pretending to help them with their mortgage. Most of the business owners in the state of Florida are republican but they do have faith in the new administration. Some lobbyist believe that it is vital for the Chamber of Commerce and the state lawmakers to band together if they expect to see a full recovery of the economy in Florida.

Florida was once a beautiful and affordable state to live in. It is still very beautiful but now sits at number fourteen on the list of the most expensive states to live in.

Green Cars Means Cheaper Insurance

It seems that these days everyone wants to do their part to help protect the environment. Due to growing consumer demands, Business and Industry are now coming up with ways for people to benefit from living a green lifestyle. One way of encouraging eco-friendly living is for insurance companies to provide cheaper car insurance for people who buy green cars. Recent research shows that drivers are increasingly more likely to purchase a green car.

There are many reasons why people are gravitating toward green cars. Because green cars have lower emissions, they will save more on gas. As well, lower emissions will result in a decreased carbon footprint since there is less carbon dioxide and carbon monoxide being released into the atmosphere. This helps slow down global warming.

Because some green cars such as hybrids tend to be expensive, insurance companies are now providing discounts to people who buy more energy efficient vehicles. This can include not only hybrids, but cars that have high mileage. Research has shown that people who drive hybrids are a lower risk of getting involved in an accident and tend to be less reckless drivers. These drivers are considered more sensible and they care about the environment so there risk is lowered. A lower risk driver will receive lower premiums. As well, many of these companies that offer discounts for green drivers are involved in programs that work to make a more sustainable environment.

Green Car Insurance is basically a method of providing discounts for people who drive low emission vehicles. The insurance was designed and implemented on the concept of reduce, reuse, and recycle. They reward eco-friendly customers with discounted car insurance premiums. Most of these companies offer some type of carbon offsetting program. This means they take a percentage of the price of a policy and give it to carbon offsetting projects. Some of the programs involve planting trees, supporting recycling projects, or other eco-projects. They may even offer extra incentives such as using recycled car parts for repairs and recycling the car if it is irrecoverable. There are a number of green car insurance companies that will offset 100% of a vehicle’s emissions.

There are also proposed pay-as-you-go car insurance programs. This is where your insurance rates are based on the actual number of miles you drive. This encourages drivers to reduce the number of miles they drive each year. Drivers would confirm mileage either by their repair records, odometer readings, or even a piece of equipment installed on the vehicle that tracks mileage.

Customers are now being rewarded for their green lifestyle with insurance discounts. For example, GMAC offers a program with their OnStar system allowing customers to send their mileage stats via OnStar, and if their yearly confirmed mileage is less than 15,000 miles, they can receive up to a 54% discount on their GMAC car insurance.

The number of insurance providers that are providing policies that include green options is increasing. Unfortunately, not that many people know about these eco-friendly insurance options because they receive less advertising than traditional insurance policies. If you are one of the millions of people who are concerned about the future of the planet and its resources, ask your insurance company if they offer a green insurance policy. As more people learn about these great insurance options, the green trend will continue to swell. Educating consumers about the importance of green cars will encourage more people to consider purchasing a green car.

Offering cheaper insurance for green car owners means more people will buy these vehicles and thus create a cleaner and greener environment.

Charting a Curriculum For Educational Charity

In all sense of it, what they poor need most is educational charity. The reason is obvious; there several kinds of charity and intervention models. These could be divided into educational and non educational charity.

In the strict sense of definition, non educational charity explores the act of charitable donations and other measures for providing the poor populations of the world with material or financial resources aimed at alleviating their poverty, hunger and disease. But it does not go beyond that. This is the conventional notion of charity and intervention among interest groups, governments, corporate bodies and non for profit making organisations. One single outstanding defect of non educational charity is that it does not look beyond the immediate problems of the beneficiary, and thereby perpetuates dependency and the vicious circle of poverty, hunger and disease.

Over the years the world, especially the developed nations and the western powers have explored the concept of material or non educational charity to tackle the issue of poverty among the poor circles of the third world. However, this can only alleviate poverty within the immediate future, but the fact remains that such approach to charity enslaves the beneficiary by creating dependence and completely overlooking the remote challenges of the poor people. It is a kind of spoon-feeding the poor with bread that will soon finish. It feeds but it does not equip the poor for possible future challenges.

The second aspect of charity and intervention model for salvaging the menace of poverty, disease and hunger among the poor and the underprivileged is educational charity. As a matter of fact, this is what the poor actually need, and must be given if the development partners; world governments, corporate partners and non profit making organisations hope to achieve the desired goals. This concept of charity and intervention model is all encompassing. But over and above all, the differentiating factor is that it does not just provide measures to solve the immediate problems of the poor, it also empowers the poor and the underprivileged to be capable of solving their problems without recourse to external intervention. Using education as it common strategy, this concept of charity harness resources to educate the poor, equipping them with the needed skills and knowledge packages that will enable them to break the chain of dependence and take their destiny in their hands at any moment.

Dumbing Down Our Children – This Is Education “Equity?”

One of their favorite arguments: “Why, we can’t trust the free market to educate our children — the very idea! The free market excels at many things, they say, but it does not guarantee education “equity” for our kids.

What is this “equity” public-school apologists talk about? It means a guarantee that all children get a “quality” education and “equal opportunity” to learn. “In the cruel free-market,” the public-school bureaucrat says, “the rich get the best schools, the middle class the mediocre, and poor kids get left in the dust.” That, they say, is not fair, not “equity.”

But why not apply their “equity” theory to food, clothing, and housing? Shouldn’t all homes, food stores, and clothing factories also be owned and operated by government to ensure “equity?” After all, the rich eat better, have warmer clothes, and live in finer homes than the poor or middle-class. That’s not fair, right?

No, it is fair.

In a free-market, those people who make more money than others usually earn it. They risk more, work harder, work smarter, persevere more, make better life decisions, or choose a profession that has greater opportunity to gain wealth. Why shouldn’t they enjoy the just fruits of their labor, of their character, of their life-decisions?

Also, what financially successful people earn is not taken from those who earn less. Is it the successful person’s fault the less successful do not work as hard, persevere as long, or make better decisions? If you seek blame for differences in people’s income, don’t place it on those who succeed. Blame it on life, on human nature.

Nature makes all men and women different — different talents, abilities, strengths, and weaknesses. It has always been this way since human beings came out of the trees and started walking upright. To stamp your foot at disparities of income is to stamp your foot at human nature, which is to stamp your foot at reality.

If “equity” for all people is our goal, then for every “inequality” between poor, middle-class, and rich people, whether in food, shelter, health care, or education, government must loot financially more successful people with taxes to remedy what they did not cause, and which is not their fault. This notion of “equity,” extended to all aspects of our life, will turn America into a socialist or Communist economic police state. In such a police state, the successful are punished and “leveled” by progressive income taxes, so that all of us end up miserably equal and equally miserable.

But this is an old story, the story called envy. The unhappy who hate the happy, the unsuccessful who hate the successful, all seeking to salvage their self-esteem by bringing down the ones they envy. The communist Soviets tried it for eighty years. The result — a shambles of poverty, slavery, and failure.
“But,” the equity lovers say, “why punish the children? Is it their fault their parents are poor?” No, it is not, but neither is it the fault of those who are not poor.

Even presuming we wanted this “equity” for our kids, have our government schools actually given children equal opportunity and “quality” education during their 150 years of control? Jeanne Chall, in her book, “The Academic Achievement Challenge,” sites grim statistics that 70 percent of inner-city 4th-graders read below grade level, that an exploding prison population is made up mostly of men whose reading and math skills are at or below the eighth-grade level. These are just the tip of the iceberg of statistics that prove the utter failure of government schools.

Public-school employees can have the best intentions in the world. So what? What matters is results. For all practical purposes, public schools therefore create only inequity for our children by giving them a third-rate education, especially inner-city kids. Our government-controlled public schools condemn millions of children to a lifetime of failure, while school officials mouth pious goals about creating education “opportunity” for all kids. Could our children be any worse off if public schools were scrapped, and low-cost, competent, free-market schools or tutors taught our kids?

In order to guarantee “equal education” for all children, you have to create a massive, public-school system to enforce this guarantee. Once a government monopoly takes control of your children’s education, quality education for your kids goes out the door. Demand education “equity” and we condemn millions of children to a miserable future.

In contrast, if we allow children’s natural love of learning to flourish and an education free-market to blossom, even poor kids, as generations of American immigrants have proven, become middle-class or even rich. Scrap the public schools and let school choice and open competition prevail, and most poor kids will finally get a quality education and rise to their highest potential.