Monday, April 07, 2008

Easy Essay Opus


Related Themes: Essay, Essay Writing, Writing Job, Writing Short Story, Freelance Writing, Freelance Writing Job, Internet Job, Writing Job Description, Work At Home, Extra Income, Technical Writing Job, Poetry Contest, Short Story Contest, Songwriting, Songwriting Contest, Writing Lesson, Writing Software, Writing Skill, Writing Fiction, Writing Contest, Effective Writing

Writing Better Essays - The Easy Way

What's happening with your college term papers and essays? Unfortunately, that's a question that a lot of student's cannot or do not want to answer. I see students on almost a daily basis who have the term paper blues. Their biggest problem? They just can't seem to get started. They procrastinate and rationalize. They put off doing their assignments until the eleventh hour. These students often succeed in convincing themselves that being able to write good term papers and essays is beyond them or just not necessary.

This purpose of this website is to get you started on the road to writing good college term papers and essays. My simple steps in producing better essay papers should make writing papers at least easier if not easy. If you really want to be educated then you will have to learn to express yourself on paper. There is no way around this so adjust your attitude and decide you will learn to write a quality term paper or essay that says something.

Writing good term papers will certainly help you remain in college. Failing English is a major cause for students to wash out of college. You do not have to do this. Use the resources of this term paper site and you can succeed. Take a few minutes and at least see if you can comprehend what I am telling you on how to write great college papers.

Book reports are basically essays on a book you have read. If you have a choice pick a book you might enjoy. If you need to view some quality book reports do a search from one of the search engines on this site. The free college term papers and essays also have books reports for your viewing.

What I want to tell you I learned by the school of hard knocks. The information I will provide you works well if you put forth a reasonable effort. The information you will receive by reading the Bullshipper's advice on writing college essays and term papers is concise, simple and straight forward. You will be able to remember what I have to say.

Really want to get off to a good start with your essay or term paper? You must or you would not be reading this. Determine the following before you attempt to write.

Getting Started

What is you essay writing assignment? Do you understand just what your professor or teacher is asking for? As a college professor I have seen many a essay and term paper writing assignments botched up because students failed to do as instructed. If you are having trouble determining just what the essay assignment is then ask your instructor until you are clear as to what is expected. Guessing can get you on a bind.

Get to know your essay and term paper subject and just what you want to do with it.

Determine just who you are writing for. Define a motive for this writing. Saying your teacher or professor is making you write an essay paper is not a motive. You want your essay to be interesting to a wide audience.

Do not produce an essay without a purpose. The first sentence you are going to write starts like this, The purpose of this paper is to...... You fill in the blanks.

References for a Term Paper or Essay

Finding good references for you work is now easier than every with the use of the internet. During my days as a high school student we spent a lot of time searching out essay references the hard way. We had to climb around library bookshelves. We had to tinker with microfiche. We had to take copious notes on 3 X 5 cards. Oh, yes, we used typewriters and/or ink on paper. No one was even thinking of word processing.

Here are a few simple steps to learn the subject you are going to write about.

Do your class assignments, read what your teacher tells you to. Do not bluff your professors or teachers. I tried this and it rarely worked.

Learn to use the academic search engines. I cannot believe just how many of my students do not know how to do this. When I say academic search engines I am not talking about the common internet search engines such as Google and Yahoo. If you do not know what I am talking about contact your school library and ask them how you can connect to the academic search engines such as the Ebsco Host or the Wilson Web. You will never regret learning how to use them. They are easy to use and contain millions of quality articles on just as many subjects.

Read other term papers. You do not care if the papers are good, bad, or in between, just read other essays that concern the same subject you are going to write about. If you follow my advice on this website you will learn to tell the quality essays and term papers from mediocre essays and term papers. Even poor essays can have good ideas that may help you in your writing. This site has links to thousands of term papers and essays at a very low cost. You even get excepts from each paper. These links point to a real term paper buffet; all you care to read.

A word to the wise. I had three students in one class turn in the same exact essay, errors and all. They copied this essay off a free term paper site. They did not intend to write a decent essay. They decided to take the easy way out. They did not collaborate. Needless to say they got a lot of trouble. Dumb. I hope you take the extra time to produce a quality essay or term paper. The only way to get good at writing is to write. I guarantee this. Remember, "if you take from one author it is plagiarism; take from many authors and its research."

Author, Doctor Mike Cooper, provides expert term paper and essay advice at

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B.S. of Internet Marketing Ode

Cut Out the B.S. in Your Internet Marketing

Are you getting disgusted with your results as an internet marketer? Staying up until two in the morning looking for that information that will give you that extra edge over everyone else out there? Slowly changing your goal of working for yourself into a dream again instead of the reality you once knew it to be?

Think of the last great idea you had and never used. What made you give up on it? Not enough time? Not enough money to get it up and running? Did you think it just would' nt work? One more question. Who gave you all of these quick answers that made you so sure you were wrong?

I have one suggestion. Go out and get a gallon of gas, dump it all over your living room, and light a match. Now that your house is gone, tell yourself that the only money you can use to buy a new one is from your Paypal account. Now do you know exactly which efforts are working for you online?

Or call your boss right now and tell him you are quitting. Now all you have is internet marketing. I bet you can double your sales in a week.

Okay, I am really not suggesting that you do this, but put yourself in that state of mind for a few minutes. What project would you start on tomorrow? Is your answer different than it would have been before you started reading your article?

Necessity is the mother of invention. It also is the mother of motivation. If everything in your life is comfortable right now, you have no need to go online and rake in those dollars. You may think you are putting in the effort, but, if you are like me, a lot of this energy may be wasted surfing, checking out pyramid schemes, and finding the easy way out.

Once you have a need for the money you could be making, it's amazing how quickly you can cut out the B.S. and go quickly to that one project that you know will make money. The next time you see your sales dropping, put your life in false crisis. You will quickly narrow down your options.

Author, Stephan Miller, is a ebay seller, freelance programmer, writer, and webmaster at, Home of Hotbid Auction Market Analyzer.

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Bankruptcy Poem


Related Themes: Bankruptcy Alternative, Refinance, Bankruptcy Law, Debt Consolidation, Personal Bankruptcy, Chapter 7 Bankruptcy, Chapter 13 Bankruptcy, Filing For Bankruptcy, Bankruptcy Lawyer

Going Bankrupt in the World

It all starts by defaulting on an obligation: Money owed to creditors or to suppliers is not paid on time, interest payments due on bank loans or on corporate bonds issued to the public are withheld. It may be a temporary problem - or a permanent one.

As time goes by, the creditors gear up and litigate in a court of law or in a court of arbitration. This is a technical or equity insolvency status.

But this is not the only way that a company can be rendered insolvent. It could also run liabilities which will outweigh its assets. This is bankruptcy insolvency. True, there is a debate raging as to what is the best method to appraise the assets and the liabilities. Should these appraisals be based on market prices - or on book value?

There is not one decisive answer. In most cases, there is strong reliance on the figures in the balance sheet.

If the negotiations with the creditors of the company (as to how to settle the dispute arising from the company’s default) fails, the company itself can file (=ask the court) for bankruptcy in a "voluntary bankruptcy filing".

Enter the court. It is only one player (albeit, the most important one) in this unfolding, complex drama. The court does not participate directly in the script. To say its lines - court officials are appointed. They work hand in hand with the representatives of the creditors (mostly lawyers) and with the management and the owners of the defunct company.

They face a tough decision: should they liquidate the company? In other words, should they terminate its business life by (among other things) selling its assets?

The proceeds of the sale of the assets is divided (as "bankruptcy dividend") among the creditors. It makes sense to choose this route only if the (money) value generated by liquidation exceeds the (money) the company as a going concern, as a living, functioning, entity.

The company can, thus, go into "straight bankruptcy". The secured creditors will receive the value of the property which was used to secure their debt (the "collateral", or the "mortgage, lien"). Sometimes, they will receive the property itself - if it not easy to liquidate (=sell) it.

Once the assets of the company are sold, the first to be fully paid off will be the secured creditors. Only then will the priority creditors be paid (wholly or partially).

The priority creditors include administrative debts, unpaid wages (up to a given limit per worker), uninsured pension claims, taxes, rents, etc.

And only if there is any money left after all these payments, it will be proportionally doled out to the unsecured creditors.

The USA had many versions of its bankruptcy laws. There was the 1938 Bankruptcy Act, which was followed by amended versions in 1978, 1984 and, lately, in 1994.

Each state has modified the Federal Law to fit its special, local conditions.

Still, a few things - the spirit of the Law and its philosophy are common to all the versions. Arguably, the most famous procedure is named after the chapter in the law in which it is described, Chapter 11. Following is a small discussion of chapter 11 intended to demonstrate this spirit and this philosophy.

This chapter allows for a mechanism called "reorganization". It must be approved by two thirds of all classes of creditors and then, again, it could be voluntary (initiated by the company) or involuntary (initiated by one to three of its creditors).

The American legislator set the following goals, in writing the bankruptcy laws:

* To provide a fair and equitable treatment to the holders of various classes of securities of the firm (shares of different kinds and bonds of different types)

* To eliminate burdensome debt obligations, which obstruct the proper functioning of the firm and hinder its chances to recover and ever repay its debts to its creditors.

* To make sure that new claims received by the creditors (instead of the old, discredited, ones) equal, at least, to what they would have received in liquidation.

Examples of such new claims: owners of debentures of the firm can receive, instead, new, long term bonds (known as reorganization bonds, whose interest is payable only from profits).

Owners of subordinated debentures will, probably, become stockholders and stockholders in the insolvent firm will receive no new claims.

The chapter dealing with reorganization (the famous "Chapter 11") allows for "Arrangements" to be made between debtor and creditors: an extension or reduction of the debts.

If the company is traded in a stock exchange, the Securities and Exchange Commission (SEC) of the USA advises the court as to the best procedure to adopt in case of reorganization.

What chapter 11 teaches us is that:

The American Law leans in favour of maintaining the company as a going concern. A whole is larger than the sum of its parts - and a living business is worth more than the sum of its assets, sold separately.

A more in-depth study of the bankruptcy laws shows that they allow for three ways to tackle a state of malignant insolvency which threatens the well being and the continued functioning of the firm:

Chapter 7 (1978 Act) - liquidation

A District court appoints an "interim trustee" with broad powers. Such a trustee can also be appointed at the request of the creditors and by them.

The Interim Trustee is empowered to do the following:

* liquidate property and make distribution of liquidating dividends to creditors
* make management changes
* arrange unsecured financing for the firm
* operate the debtor business to prevent further losses

By filing a bond, the debtor (really, the owners of the debtor) is able to regain possession of the business from the trustee.

Chapter 11 - reorganization

Unless the court rules otherwise, the debtor remains in possession and in control of the business and the debtor and the creditors allowed to work together flexibly. They are encouraged to reach a settlement by compromise and agreement rather than by court adjudication.

Maybe the biggest legal revolution embedded in chapter 11 is the relaxation of the ages old ABSOLUTE PRIORITY rule, that says that the claims of creditors have categorical precedence over ownership claims. From now on, the interests of the creditors have to be balanced with the interests of the owners and even with the larger good of the community and society at large.

And so, chapter 11 allows the debtor and creditors to be in direct touch, to negotiate payment schedules, the restructuring of old debts, even the granting of new loans by the same disaffected creditors to the same irresponsible debtor.

Chapter 10

Is sort of a legal hybrid, the offspring of chapters 7 and 11:

It allows for reorganization under court appointed independent manager (trustee) who is responsible mainly for the filing of reorganization plans with the court - and for verifying strict adherence to them by both debtor and creditors.

Despite its clarity and business orientation, many countries found it difficult to adopt to the pragmatic, no sentiments approach which led to the virtual elimination of the absolute priority rule.

In England, for instance, the court appoints an official "receiver" to manage the business and to realize the debtor’s assets on behalf of the creditors (and also of the owners). His main task is to maximize the proceeds of the liquidation and he continues to function until a court settlement is decreed (or a creditor settlement is reached, prior to adjudication). When this happens, the receivership ends and the receiver loses his status.

The receiver takes possession (but not title) of the assets and the affairs of a business in receivership. He collects rents and other income on behalf of the firm.

So, British Law is much more in favour of the creditors. It recognizes the supremacy of their claims over the property claims of the owners. Honouring obligations - in the eyes of the British legislator and their courts - is the cornerstone of efficient, thriving markets. The courts are entrusted with the protection of this moral pillar of the economy.

Economies in transition were in transition not only economically - but also legally. Thus, each one adopted its own version of the bankruptcy laws.

In Hungary - Bankruptcy is automatically triggered. It is not allowed to swap debt for equity. Moreover, the law provides for a very short time to reach agreement with creditors about reorganization of the debtor. These features led to 4000 bankruptcies in the wake of the new law - a number which mushroomed to 30,000 by 5/97.

In the Czech Republic- the insolvency law comprises special cases (over indebtedness, for instance …). It delineates two rescue programs:

* A Debt to Equity Swap (an alternative to bankruptcy) supervised by the Ministry of Privatization.

* The Consolidation Bank (founded by the State) can buy a firm’s obligations if it went bankrupt at 60% of par.

But the law itself is toothless and lackadaisically applied by the incestuous web of institutions in the country. Between 3/93 - 9/93 there were 1000 filings for insolvency, which resulted in only 30 commenced bankruptcy procedures. There hasn’t been a single major bankruptcy in the Czech Republic since then - and not for lack of candidates.

Poland is a special case, always pitting horses against tanks, always losing the war, as a result. The pre-war (1934) law declares bankruptcy when confronted with a state of lasting illiquidity and excessive indebtedness. Each creditor can apply to declare a company bankrupt. An insolvent company is obliged to file a maximum of 2 weeks following cessation of debt payment. There is, indeed, a separate liquidation law which Allows for voluntary procedures.

Bad debts are transferred to base portfolios and have one of three fates:

Reorganization, debt-consolidation (a reduction of the debts, new terms, debt for equity swaps) and a program of rehabilitation.

Sale of the corporate liabilities in auctions

Classic bankruptcy (happens in 23% of the cases of insolvency).
No one is certain what is the best model. The reason is that someone has yet to come with answers to the questions: are the rights of the creditors superior to the rights of the owners? Is it better to rehabilitate than to liquidate?

Until such time as these questions are answered and as long as the microeconomic debt crisis deepens -we will witness a flowering of versions of bankruptcy laws all over the world.

Sam Vaknin is the author of "Malignant Self Love - Narcissism Revisited" and "After the Rain - How the West Lost the East". He is a columnist in "Central Europe Review", United Press International (UPI) and and the editor of mental health and Central East Europe categories in The Open Directory, Suite101 and Until recently, he served as the Economic Advisor to the Government of Macedonia. His web site:

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Auto Insurance Pressured Serenade

insurance claim adjuster

Related Themes: Insurance Adjuster, Healthcare Insurance, Affordable Auto Insurance, Personal Insurance, Free Insurance Quotes, Insurance Companies, Insurance Claim Adjuster, Accident Insurance, Car Accident Insurance, Personal Injury

Outside Pressures On The Typical Insurance Adjuster

Insurance adjusters are not without outside pressures they must deal with every day of their work life. It would be advantageous for all readers to be aware of the most important of these because they could put money in your bank.

The first of these is your State Department Of Insurance. Every state has a Department, or Commissioner, or Bureau of Insurance that overseas the antics of all Insurance Claims Adjusters and their superiors in that particular state. Each has a Consumer Complaint Division. If the adjuster you’ve been dealing with has refused to make any offer at all, has engaged in what you consider to be unethical conduct, or has made what you believe to be a ridiculously low offer, you have cause for a complaint.

The mere mention of a complaint to the State Department of Insurance may bring the adjuster around to making a better offer. Adjusters would rather not have to deal with a complaint and they positively don’t want copies of them ending up in their personnel file !

Your complaint to the State Insurance Department will accomplish several things. First, his boss will now become aware that there’s a claimant who intends to do whatever it takes to obtain some positive settlement dollars. That will often inspire that person to take a closer look at your case and come up with a better offer. Also, if indeed you write to the Consumer Complaints Division, it will evolve into what’s always a costly effort because a complaint with the State Insurance Department will add an additionallayer of work, supervised by an extra contingent of personnel. When it’s realized this will likely come to pass they’ll try harder to get rid of you and settle your claim.

The vast majority of insurance adjusters dream of one day being promoted to a higher position within the company they work for. They're acutely aware of the fact if their personnel file has correspondence flowing into it from claimants they've handled(plus copies of the letters which have been sent to the insurance commissioner) and those will, somewhere down the line, be read by one of his companies executives. In many instances this will be a man who doesn’t want a “Problem” claims employee spluttering, splashing and crashing about his office area causing headaches and extra work within the framework of that particular executive’s command. The adjuster is fully aware that such complaints will keep him, out on the road forever,and will surely prevent him from moving up the corporate ladder.


When it comes to the reality of the way things work in the actual, daily, experience of personal injury claim negotiations and settlement, is often vastly different from the stipulations found in the “Formal law”. That is, legal theory, as it’s written and allegedly supposed to work. What this means, simply stated, is: Adjusters can settle a case, whether their decision to do so is based on “The Law”, or not.

In the real world of Personal Injury settlements a “Compromise” (one which often has little and often nothing to do with "The Law") is the order of the day. It’s commonly accepted among those is the business (because that’s what makes their work life so much easier) that in any given case there’s almost always a likelihood of negligence on both sides, rather than just one. What this boils down to in practical terms, is this: Irregardless of the law practically no claim is without merit or totally lacking in value - - especially if the “Value” is simply to “get rid of it”. QUESTION: "How does Dan Baldyga know this to be true?" ANSWER: "Because he was an Insurance Adjuster, Supervisor, Manager and then Trial Assistant for over 30 years. He's been there, and observed that."

Although it’s never expressed to him “officially” every adjuster quickly learns, should your case go to trail, compromise will usually be the order of the day, even in cases of questionable liability . This fact alone gives him plenty of room to make a compromise settlement before your case ends up in his Defense Attorney’s hands where such a move will usually take place anyways! Why will this come to pass? Because the costs of preparing for(and then proceeding into)a courtroom battle will skyrocket.

Being aware of this is always bubbling and boiling in the gray matter between every adjusters ears. If there’s any question whatsoever (regarding who was at fault in the accident you were involved in) don’t ever give up. Keep pounding away! When faced with a determined claimant who’s willing to wait and haggle and refuses to go away, the chances are the adjuster will eventually make an offer.

This comes to pass because the adjuster(especially if your claim has some value) doesn’t want it to end up as a complaint at the State Department Of Insurance. Plus he knows you’ll be made, a settlement offer, somewhere down the line, anyway! So, better he settle it now, before the cost of defending it gets blown out of proportion, later.

In order to continue to look good (especially to those who watch their progress and the way they handle the outside pressure’s that haunt every one of them)insurance adjusters - - who want to climb their corporate ladder to success - - must be very cagey individuals who must work hard to please those they work for. For you to understand this will most assuredly be to your financial advantage.

Copyright (c) by Daniel G. Baldyga. All Rights Reserved. Dan Badyga’s latest book Auto Accident Personal Injury Insurance Claim (How To Evaluate And Settle Your Loss) can be found on the internet at or visit your favorite bookstore. For 30 years Dan Baldyga was a claims adjuster, supervisor, manager and also a trial assistant. He is now retired and spends his time attempting to assist those involved in motor vehicle accident claims so they will not be taken advantage of.

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