Jane Doe Chronicles

News: North Dakota Drilling Job Boom Overshadows President's Green Energy

JDC Bullet News Forecasts - What's new on the horizon?

North Dakota ignites a historic job boom while President Obama's focus is on Green Energy technology, loans and bailouts of unstable companies. Green is good and so is conservation but compare:

The beautiful Dakotas has experienced a job boom, the likes of which has not been seen since the Gold Rush days.  Even Mc Donalds food chain is paying $18.95 an hour to attract help to serve the masses, many living in their trucks due to the inadequate availability of housing.

With employment levels at the lowest rate in the country, 3.2%, home construction is exploding in the No. 1 job creating state in the union.

According to the North Dakota Pipeline Authority, through financing, planning, development, acquisition, leasing, rental, joint ownership and other arrangements, a diversified expansion of North Dakota's economy is changing the landscape.   The American dream is alive. . .with streets paved with the gold of opportunity; with money hand-over-fist for those who don't mind inconvenience and a lot of long hard worked days.

Unlike President Obama's negative green energy ideas that have gone by the wayside along with taxpayer money given to companies on the verge of bankruptcy, the Industrial Commission of North Dakota article states: ". . . pipelines offer oil and gas producers the safest, most efficient, and most reliable method for transporting petroleum related products."  Though every job created counts. . . oil creates thousands of jobs versus green energy at hundreds.

Perhaps foreign to those in the Oval Office and other agencies, is the common sense of fiscal management in not spending more money than the government collects in any revenue year, a philosophy Jack Dalrymple, Governor of North Dakota expouses has helped to lower real estate taxes, individual income taxes, and corporate income taxes in the last three legislative sessions.

A friendly business climate is what turns the cogs in the wheels of progress and growth.  When government seeks to rule the roost, preventing businesses from doing what they do best, to hire and produce something, the end result is:  The Obama Economy. . .the gradual suffocation of the economic science of a free enterprise system and the downgrading of a nation, and the pocketbooks of its people.

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CeCe Day Hill, copyright (c) 2012 - Jane Doe Chronicles, All Rights Reserved - Office: 349 West Circle Dr., New Lenox, IL 60451 - (815) 485-4871

To view other articles: http://www.janedoechronicles.typepad.com

 

 

JDC News Forecasts: "Is Cash No good?, Democrats Risk Backlash, Trees of 9.11"

JDC Bullet News Forecasts:  What's on the horizon of change?

Is Cash No good and the start of a Tend?

In Grandpa and Grandma's day cash was the treasured possession.  If there wasn't enough you didn't buy anything.  If you needed something you sold something, or waited.

After a recent robbery, one entrepreneur of a Novelty Shop decided he no longer would take cash for purchases.  Whip out your credit card or write a check, and we can do businesss.  Sales have never been better, and this one business owner has peace of mind.

It is highley unlikely society will achieve a totally cashless society due to the inability of many individual to acquire a checking account, let alone qualify for a debit or credit card.

Cash, the great acquisition.

 

Democrats Willing to Risk Voter Backlash:

To get their way, Democrats will try to change the Senate rules.  If they do, they will be overstepping the political boundaries in a desperate act to boost their power and stop any filibusters so they control the legislative agenda.  Pass, pass, and more pass.  Spend, spend and more spending before the November elections. 

In Mr. Smith goes to Washington the premise is a prime example of the period 1917, in which there was no way for Congress to cut off a debate if one legislator was willing to stand on the Senate floor and keep talking. . .

The rules were changed to require 67 votes; in 1975 Democrats changed it to 60 votes.  Because of GOP opposition and in order to bypass the need for a GOP vote, Democrats want to change the filibuster count to 55 votes on the first day of the upcoming session of Congress.

Vice President Joe Biden will be at the helm, and happy to override any legislative objections from across the isle, which should send Republicans into a tizzy, and a possible backlash from the American voters.  It's get everything you can, while you can.

 

The Trees of 9.11:

This week the first of hundreds of trees will be planted to grace the area where thousands succumbed to the evil that changed the landscape of New York forever.  In a peaceful setting will stand one tree for each victim. A serene rememberance upon holy ground for those from all walks of life that they may rest in peace forever more.

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CeCe Day Hill (c) 2010 - Jane Doe Chronicals, All Rights Reserved - 349 West Circle Dr., New Lenox, IL 60451 - (815) 485-4871 - E-mail: janedoechronicles@comcast.net

 

 

 

 

 

 

News Forecasts: "It's the Law, Taxes Up-Up and Away, Constitutional Right to Bear Arms at Work"

JDC Bullet News Forecasts:  What's new on the horizon of change. Predictions in brief.

It's the Law:

More voters are making their voices heard and legislators appear to be listening as gays and heterosexuals battle to reaffirm existing laws or change them in a society where majority rule has been the law. 

Surely to be challenged in the courts, will be the laws voted in 29 states, making it "legal" to fire or to refuse to hire someone for being gay.  Also, in 38 states, employers have the right to discriminate against trans-gender workers.  Exempted are small firms, religious organizations and the military.

Taxes Up, Up and Away:

As most states begin their new fiscal year this month, plan on adjusting your budget.  In an effort to deal with huge shortfalls, states will initiate a slew of layoffs, furloughs and cost cutting measures.  Like California, they will come up short.

Some states are boosting revenues through a sell-off of surplus inventories which may be found on line by state.  . . .Ultimately it is you the taxpayer who will bail out state legislatures who refused to cut cost in favor of pet projects and self-indulgent attitudes.  

What stimulus states have received, has not been enough to get them in the black.  States will attempt to stop the bleeding through such taxation as: increased sales and income taxes, created new tax brackets, taxes and fee increases on services that affect anything the government believes they can get away with as, car-washes, dry cleaning, hair salons, divorce filing, real estate transactions, vehicle registrations and license renewals, tobacco and alcohol, soda and what else, only heavens knows.

Constitutional Right to Bear Arms at Work:

The Supreme Court has rendered their conclusion that you and I have the right to own a gun.  Now, states with the right-to-carry law on the books are taking the matter one step further. . .prohibiting employers from banning guns, as long as the weapons are legally owned and locked-up while at work.  The law opens the way for lawsuits that allege discrimination against workers who say they own a gun, according to the Kiplinger Washington Letter Editors in D.C.  Chicago is still fighting to keep their city-wide gun ban in force.  

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By CeCe Day Hill, Copyright (c) 2009 - Jane Doe Chronicles, All Rights Reserved - 349 West Circle Dr., New Lenox, IL 60451, - (815) 485-4871 - Email: janedoechronicles@comcast.net

To view other articles visit: http://www.janedoechronicles.typepad.com

News Forecasts: "Gasoline Prices and the Fluctuating Dollar, Email Scam, Think Twice Before You Cosign"

JDC Bullet News Forecasts:  What's on the Horizon - Predictions in brief.

GASOLINE PRICES IN A 2009 RECESSION:

A combination of the dollar's fluctuating strength and consumers driving less during the summer of 2008, in addition to trade-ins of gasoline guzzling vehicles have all contributed to the huge decline in prices at the pump.

The extreme volatility of 2008 oil transactions that are dollar dominated were affected "when speculative buying, combined with a wafer-thin cushion of supply and demand, pushed prices to the stratosphere and economic recession let them fall rapidly earthward as the hot money fled," according to a report by Kiplinger Letter, Washington D.C. 

Drivers are taking to the road, which will cause prices at the pump to inch-up this Spring.  Any conservation in 2009s summer driving pattern can help keep gasoline costs low short-term.  Expect the market price to reach $70 to $80 a barrel by year-end.

The old one-two-punch, will be the effect of the current economic mess that will cause a rise in diesel prices hitting $4.00 around September and into 2010.  There will be shortages of diesel fuel, a direct response to the current recession and lack of money availability to construct new refineries due to the credit meltdown.

Now might be the time for the government to pump up the Strategic Oil Reserves as part of the overall economic strategies.

PROTECT YOURSELF AGAINST A GROWING SCAM:

Con artists continue to use their mad form of genius to pilfer your life and security using the Internet. A form of human scum continues predatory actions online hoping you will mindlessly, or without questioning, click away your money or your identity.

The Federal Trade Commission gives an example of what to look for in your email:  "We recently purchased ABC Bank.  Due to concerns for the safety and integrity of our new online-banking customers, we have issued this warning message. . . Please follow the link below to renew your account information."

STOP! Never follow the link . . .

Forward the transmission to the FTC at: spam@uce.gov as well as to: reportphishing@antiphishing.or (a consortium of businesses and law enforcement agencies).

Contact the referenced company by phone and send them a copy by email.

If you believe your identity may have been stolen go to: www.ftc.gov/idtheft for help, or call (877) 438-4338.

THINK TWICE BEFORE YOU COSIGN:

More parents are cosigning for their child's first vehicle purchase, giving them an opportunity to establish a record of credit worthiness.  Cosigning on a mortgage note is an emerging trend.  A simple act that can change a life forever.

Cash-strapped and credit-challenged home buyers, are turning to family members in an attempt to obtain the American dream.  Before you sign on the dotted line consider this:

Cosigning on a mortgage is not for the faint at heart.  You have now reduced your borrowing power, and are on the hook for the monthly payment, interest and any penalties incurred for the duration of the loan.  Once you put your "John Hancock" on the line, don't expect a lending institution to remove you as cosigner.  You are the bank's security against default.

Your credit will be destroyed for a decade if the mortgage ends up in bankruptcy or foreclosure.  Taking steps to insure payments are made can be disconcerting.  Suing may be the only other option when separate agreements are made outside of the mortgage contract, though not realistic.  There is no free, mortgage default "get out of jail" card as in the game of Monopoly.  The self-inflicted  nightmare won't be over, until it's over some twenty or thirty years down the road.

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By CeCe Day Hill, Copyright (c) 2008 - Jane Doe Chronicles, All Rights Reserved - 349 West Circle Dr., New Lenox, IL 60451 - (815) 485-4871 - Email: janedoechronicles@comcast.net

To view other articles visit: http://www.janedoechronicles.typepad.com

 

News Forecasts: "Rental Deals, Where's the Money, Air Powered Car, and North Korea Don't Presume"

JDC BULLET NEWS FORECASTS: What's new on the horizon of change and development.

RENTAL DEALS:

Business rentals and negotiations are better than ever. Office rents are flat opening the door to landlords willing to deal on terms of lease as oversupply and demand becomes weaker and business expansion slows dramatically, in the West and Gulf coast areas of the U.S. Less effected states in the Midwest and areas like Dallas, Houston will see rents rise 4% to 5%.

Other deals can be made in real estate tax sales, stock purchases as markets drop and investors panic, and lower housing prices will persist from a flood of available homes and not enough buyers.

For those with cash availability its an opportunity; for the rest of us its a struggle, which should change at a tortoise pace starting second quarter 2009 and breakout to a cycle of prosperity from economic adjustments and tighter regulation and controls beginning at the end of 2010, no matter which candidate gets into office. It's part of a bear and bull cycle and correction since after the 1929 crash.

WHERE'S THE MONEY?

With a soft economy not ready to jump ship for a long time, employers will pay out only what is necessary in raises. Average pay hike expected to be between 2.5% and 3.7%. If you are a top performing worker you may benefit from some form of bonus or pay increase. Slouchers need not apply to the Accounting Department.

AIR-POWERED CAR:

It's not fantasy out of a Bruce Willis flick, nor am I blowing hot air. Zero Pollution Motors will franchise a turnkey operation of assembly plants that will produce 8000 vehicles a year that will use compressed air to drive car engine pistons, with a capacity of 60 miles a day at 35 mph. Kiplingerbiz.com reports another option to the vehicles capability is: "An integral motor can use a bit of fuel to compress more air, letting the car run at highway speeds for 800 miles." Indian car maker Tata has bought the rights to make the car for their market at a cost of under $20,000.

It's man's ingenuity at its best when greed and corruption don't enter into the competition factor preventing progress. Amazing what can be done by using just 10% of the human brain.

NORTH KOREA NEVER PRESUME:

North Korea continues to play Russian roulette in reinstating its nuclear program and claiming not. Seems evident Pyongyang is maneuvering for a better deal from the next U.S. president, and is banking Obama will win and won't drive as hard a bargain as President Bush.

Which ever candidate wins the keys to the Oval Office there can be no indecisive action without running the risk of an Eastern Asian nuclear arms race that could spell disaster for the world.

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By: CeCe Day Hill, Copyright (c) 2008 - Jane Doe Chronicles All Rights Reserved - 349 West Circle Dr., New Lenox, IL 60451 - 1.815.485.4871 - Email: janedoechronicles@comcast.net

To view Author profiles and other articles visit: www.janedoechronicles.typepad.com

"Medicare Crackdown on Privacy Violations: Employers and Insurers will be Banned from DNA Discrimination"

JDC Bullet News Forecasts:  What's new on the horizon of change and development? 

Washington to Ban Disclosure and Use of Genetic Information:

Our personal information is open for disclosure to some degree.  More and more businesses are pushing to gain access to more of it, in order to cover potential bottom line losses by turning what would be discrimination, into a legal avenue to justify ratings and the denial of insurance coverage.

The insurance industry in the 70s did a great disservice to the public, giving themselves a windfall business opportunity, when insurance lobbyists were able to push through the law that allows them to  use personal credit information to rate coverage across-the board.

Not so fast this time.  Out of Washington soon will come a ban barring insurers from using genetic information to deny health coverage, or to hike premiums because of that found information.

Equally important:  Employers will not be able to use DNA screening in their decision making process whether to hire - to fire - or to promote an individual.

Government Crackdown on Privacy Violations on Medicare and Medicaid:

The Centers for Medicare and Medicaid will soon use outside contractors to do compliance audits of health care insurers and employer sponsored plans.  Violators who leak or sell information will pony-up a fine of $100 on a minor offense and could be hit with a $250,000 fine and, . . . 10 years in jail.

Scrutiny will soon be on their doorsteps, especially for those participants with pending complaints will be cleared out first.

Business: How Same-Sex Marriage Benefits May Affect You:

Get married in California and seek insurance benefits back home.  What is sure to end up in the courts is the idea that employers in the nation should give spousal benefits to same-sex marriage partners.

California may not have a residency requirement, but 44 states do bar marriage of same-sex couples with no obligation to provide coverage to those who happen to tie the knot in the golden state.

Now is the time for any size business to check benefit plans to prevent legal hassles down the road.  You may need to add clarifying language or Addendum about spouses in connection with any state law.

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About the Author: To review Author profile, writing background, and thought provoking articles by CeCe Day Hill visit:  www.janedoechronicles.typepad.com
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                                                  CeCe Day Hill - Copyright (c) 2008
                                            Jane Doe Chronicles - All Rights Reserved  
                                349 West Circle Dr., New Lenox, IL 60451- 1.815.485.4871    
                                              Email: janedoechronicles@comcast.net                   

"Doctors opt-out on Medicare Patients, Banking Money Woe, Economic Correction"

JDC Bullet News Forecasts: Doctors are saying bye-bye, and changing the way they provide patient services.

Doctors are choosing to not service Medicare patients as Congressional cutbacks continue affecting their bottom-line.  The July 1st 10.6% cut has been delayed for another year, due to the physician's outcry hitting lawmakers on the Hill hard in this big election year.  They should be happy over the delayed reduction, since their plea for higher reimbursements is ignored.

The situation becomes critical for Medicare recipients as doctors elect to retire, even though there are many practicing well into their 70s.  It is a sad commentary as other physicians refuse to accept new patients.

A small percentage of doctors are testing the waters changing their practice to a yearly based fee of $1,000 to $1,500.  These doctors believe, cutting the bulk of their clients will allow them to spend more time with the patient and better serve those who can afford it.  I guess it is a two-way street. . .the doctor benefit: less patients - less work - less stress, and not having to deal with insurance areas in which they have to fight to get paid.

It is highly unlikely this would catch on throughout medical offices in the U.S., as the government should be monitoring any growth. so as not to cripple health care.

Banking Pain and Money Woes:

It's tough, but the bottom has not fallen out of the money industry.  A lot of foolish purchases and loans, commercial overbuilding, and greedy speculators are contributing factors to the painful money crunch. 

Stocks of one-third of the big banks is down more that 50%, while smaller banks are in a better position to be of assistance as they pickup the slack from big lenders who are becoming more demanding in their scrutinizing of customer loan qualifications and repayment capabilities, a procedure smaller institutions can't afford to overlook.

Money is available, but will be harder to get.  Now might be a good time to recheck your credit status and remove any errors.

Economy Happenings:

With home sales starting to creep along, exports enriching the economy, and speculation of oil drops quoted to $110.00 a barrel. . .a very slow recovering should start around the end of the year, despite the foreclosures which will affect the economy into 2009.

Our country has been overdeveloped and increased sales via the Internet is taking its toll on the economy affecting retail store closings into the thousands.

Everything goes up and everything always comes down.  We Americans live vicariously, foolishly pampering our whims and taking for granted the decades of prosperity, living for the now with an absence of common sense. . .and a desire for immediate gratification flying by a shoe string.

Despite what appears to be a bursting bubble, a major correction is at hand.  A preview warning for the future.  A chance to recoup and get it right.  It's called a learning curve!

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About the Author:  To review Author profile, writing background, and thought provoking articles visit:  www.janedoechronicles.typepad.com
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                                              CeCe Day Hill - Copyright (c) 2008
                                         Jane Doe Chronicles - All Rights Reserved
                                 349 West Circle Dr., New Lenox, IL 60451- 1.815.485.4871
                                              Email:  janedoechronicles@comcast.net

News: "Medical Tourism Failing; Back to the Pennies of World War Two"

JDC Bullet News Forecasts:  What's new on the horizon of change and development?

*  Americans Sent Overseas for Medical Procedures:

This has got to be one of the wackiest ideas overall.  I understand how employers and insurers in the health-care industry may see this as a cost cutting attempt; a big time one at that.

America has exported jobs to places like India, China, and Thailand, so what is so ridiculous about outsourcing human health care to many of these same countries?  Unless one chooses to, why would an American covered under an insurance plan in the U.S. desire to travel abroad for medical procedures?

Agreed, the cost is about one-fifth of what it might be in the states, yet pros and cons exist on rising liability for botched surgeries, in addition to a significant inconvenience of unnecessary travel, quality of services and recovery time in a strange land away from family members.

Though this idea is not catching on insurers and employers aren't giving up.  They are seeing green dollar signs of savings.  Pressure on both fronts is quiet while they try to figure out how to market the idea so it will be easily accepted by Americans within the next five years.

*  Steel this steel that:

Steel metal, this 2008 will be used for more than construction.  One can find a new surge in jewelry designs. . .and now, Uncle Sam is getting into the act, potentially saving the government a significant amount of dough - mullah - cash, to the tune of 100 million dollars a year.

With significant increases in metal to manufacture our coinage, switching to steel with a clad alloy will bring down costs.  Presently it cost 1.26 cents to produce a penny - 7.7 cents to turn out a nickel.   The coins will look and feel the same in weight. 

For those who remember,  steel pennies were first used as a temporary fix during World War II to free up metal for the war effort.  Current  economics indicate something had to be done to deal with rising prices of copper, zinc and  nickel.  The government should be run like a business, with attention to  the bottom line.  In this case someone is paying attention.  Look for the new coins later this year after congressional approval.

                                                  ____________________________

About the Author:   To review Author profile, writing background, and thought provoking articles: visit: www.janedoechronicles.typepad.com
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                                               CeCe Day Hill - Copyright (c) 2008
                                          Jane Doe Chronicles - All Rights Reserved     
                                 349 West Circle Dr., New Lenox, IL 60451- 1.815.485.4871
                                           Email:  janedoechronicles@comcast.net                                   

 

News: "Microsoft to Stop Sales of Windows XP the end of June"

JDC News Update:  Do you want a Windows XP system before they are gone from the marketplace or do you want to dive into the coolly received VISTA computer system?

Newer computer models with faster and higher technology pop up almost as fast as we buy them.  It is decision time for many of us who have been toying with the pros and cons of replacing an older computer.  In  part, Microsoft has just made that decision for us.

Microsoft has announced:  effective the end of June 2008, the company will stop selling the XP operating system as an option on PCs.  The good news is:  they will support the Windows XP system until 2014.  Microsoft needs to maintain support for the vast network of customers who have shunned the new VISTA program. 

As systems change so do other categories of software and support capabilities such as virus scan and fire-wall programs, Internet access programs, writing software and the like . . . many now, either cannot be downloaded or used with any system prior to Windows XP.

Computer life is between six and ten years dependent on personal system need and available support systems.  Software becomes limited in scope, while companies like Microsoft create; others work to keep up.  It seems to be the American way . . . free enterprise: make it bigger - make it better - make it faster; whatever the traffic will bare.

Every new computer system requires updating oneself in its use as well as working with the more compact and variable extra port system capabilities and new wireless technology.   Computer manufacturers are starting to provide required cable and software, allowing the customer to transfer all data from the old computer to the new in as little as three or four easy steps.  A $150.00 savings; the average out-of-pocket expense to get it done.

It is your pleasure and your pocketbook.  Upgrading to an existing XP system remains a viable option for the next six years and possibly a couple more thereafter.  Microsoft worked to eliminate any bugs within the VISTA system as quickly as they were found.  Who knows, Microsoft may even have the next 21st Century system almost ready to go by the time they stop XP support in 2014. 

                                         

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About the Author:  CeCe Day Hill has writing experience spanning 18 years.  To review detailed Author profile - creative article writing visit: www.jandoechronicles.typepad.com
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                                      CeCe Day Hill  Copyright (c) 2005-2008
                                     Jane Doe Chronicles - All Rights Reserved
                          349 West Circle Dr., New Lenox, IL 60451 - 1.815.485.4871 
                                      Email:  janedoechronicles@comcast.net

News: "Air Travel, Paying for Comfort; Bye Bye Junk Mail; Re-register Do Not Call List"

JDC Bullet News Forecasts: What's new on the horizon?  Your Money - Your Privacy

More Air Travel Comfort Will Cost You.

A long time ago, air travel was a delight, a luxury and a comfortable means of transportation. That pleasure has lost its allure as vacationers and business class individuals have become accustomed to the hassle and emotional exhaustion of just getting to the boarding ramp.

More airlines are joining the "pay for comfort" trend as a means to facilitate the bottom line, and then, offering what you should have had in the first place. . .more legroom.  Expect to pay between $10 and $25 depending on the length of the flight and the amount of extra inches available.

Soon you will be coughing up more of your hard-earned cash for "all" checked baggage.  Some airlines currently charge for blankets and pillows - but curbside check-in and priority boarding will ding your wallet for more.

Hotels Play Big Brother is Watching

It's not only states and businesses who are maintaining smoke-free zones - the hotel industry are paying staff to report guest violators, who may breach no-smoking rules according to The Kiplinger Letter. So next time you check in beware - hotel eyes are peering.  You just may end up with a fine added to your tab.

I Can't Stand the Junk Mail - Help!

Help is on the way if you take the time to alleviate that money making marketing we call "junk mail" from dancing into your mailbox every day. 

Send a letter with the pertinent name and address information and a $1.00 check or money order payable to: Mail Preference Service, Direct Marketing Association - P.O. Box 643, Carmel, N.Y. 10512

Consumer Reports notes: The World Privacy Forum, created a list of 10 "opt-outs" - another source to help get your name off marketing list.  Visit: www.worldprivacyforum.org/toptenoptout.html  A little extra work to clear out the clutter, but worthwhile.

Do Not Call List - Don't Forget to Re-register

This June will be the 5th anniversary of the temporary Do Not Call List.  You will need to re-register your phone numbers.  Numbers will start dropping off in June.  Uncle Sam is working to make registrations permanent.  Visit:  https://www.donotcall.gov/

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                                              CeCe Day Hill Copyright (c) 2005-2008
                                           Jane Doe Chronicles - All Rights Reserved 
                                 349 West Circle Dr. - New Lenox, IL. 60451 - 1.815.485.4871
                                             Email:  janedoechronicles@comcast.net