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Archive for May, 2010

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Id Theft And How To Prevent It

Posted by admin On May - 31 - 2010ADD COMMENTS

Most people even now don’t have knowledge about what ID theft is, much less how to prevent it. Well, people, it is time you knew exactly what you, as a citizen of the United States of America, or any other country in the world is facing. ID (Identity) theft is a very real and threatening threat that continues to grow as a vexing problem all across the world.

According to a trade federation report three years ago, identity theft was the top complained about problems their consumers had lodged for five consecutive years. Sitting passively in your home will not keep you safe; identity theft usually aims at people like you and me.

There are many facets of the identity theft problem. One of the most common is the theft of credit card details. Credit card fraud takes up a major slice in overall identity theft losses, cutting off a major 26% share of the overall identity theft activities as far back as 2007.

Another facet of identity theft is the retrieval of your personal information by crooks to register new accounts in your name, such as bank accounts and credit card accounts. Such fraudulent activities can prove very devastating to your finances and your good name. It might even lead to criminal prosecution against you, and in some cases jail time. This might result if the identity thieves committed criminal acts to defraud and swindle others using your name and identity.

By now, you should have a fair notion of what identity theft is. Nearly one in every five Americans is vulnerable to attack by these thieves. It is incumbent upon us to take steps to guard our identity against misappropriation by criminals with evil intent. One step that will go far in protecting you is buying and installing a good antivirus software on your computer. In addition, anti-spyware, anti-malware and internet firewalls will provide even more protection for your computer and all of your personal information stored on it.

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Islam Religion Of Peace And Humanity

Posted by admin On May - 31 - 2010ADD COMMENTS

Islam word has been derived from arabic languge word salam, it meaning is peace ofcourse islam is religion of peace and humanity , which is not only religion of muslim but also religion of the entire universe.Since the early 1980s, commentators have argued that Islam is suffering a crisis of identity, as the crumbling of Islamic civilization in the modern age has left Muslims with a profound sense of alienation and injury. Challenges confronting Muslim nations — failures of development projects, entrenched authoritarian regimes and the inability to respond effectively to Israeli belligerence — have induced deep-seated frustration and anger that, in turn, contributed to the rise of fundamentalist movements, or as most commentators have preferred to say, political Islam. But most commentators have been caught off guard by the ferocity of the acts of mass murder recently committed in New York and Washington. The basic cruelty and moral depravity of these attacks came as a shock not only to non-Muslims, but to Muslims as well.
The extreme political violence we call terrorism is not a simple aberration unrelated to the political dynamics of a society. Generally, terrorism is the quintessential crime of those who feel powerless seeking to undermine the perceived power of a targeted group. Like many crimes of power, terrorism is also a hate crime, for it relies on a polarized rhetoric of belligerence toward a particular group that is demonized to the point of being denied any moral worth. To recruit and communicate effectively, this rhetoric of belligerence needs to tap into and exploit an already radicalized discourse with the expectation of resonating with the social and political frustrations of a people. If acts of terrorism find little resonance within a society, such acts and their ideological defenders are marginalized. But if these acts do find a degree of resonance, terrorism becomes incrementally more acute and severe, and its ideological justifications become progressively more radical.

To what extent are the September 11 attacks in the US symptomatic of more pervasive ideological undercurrents in the Muslim world today? Obviously, not all social or political frustrations lead to the use of violence. While national liberation movements often resort to violence, the recent attacks are set apart from such movements. The perpetrators did not seem to be acting on behalf of an ethnic group or nation. They presented no specific territorial claims or political agenda, and were not keen to claim responsibility for their acts. One can speculate that the perpetrators’ list of grievances included persistent Israeli abuses of Palestinians, near-daily bombings of Iraq and the presence of American troops in the Gulf, but the fact remains that the attacks were not followed by a list of demands or even a set of articulated goals. The attacks exhibit a profound sense of frustration and extreme despair, rather than a struggle to achieve clear-cut objectives.
Some commentators have viewed the underpinnings of the recent attacks as part of a “clash of civilizations” between Western values and Islamic culture. According to these commentators, the issue is not religious fundamentalism or political Islam, but an essential conflict between competing visions of morality and ethics. From this perspective, it is hardly surprising that the terrorists do not present concrete demands, do not have specific territorial objectives and do not rush to take responsibility. The September 11 attacks aimed to strike at the symbols of Western civilization, and to challenge its perceived hegemony, in the hope of empowering and reinvigorating Islamic civilization.
The “clash of civilizations” approach assumes, in deeply prejudiced fashion, that Puritanism and terrorism are somehow authentic expressions of the predominant values of the Islamic tradition, and hence is a dangerous interpretation of the present moment. But the common responses to this interpretation, focusing on either the crisis of identity or acute social frustration in the Muslim world, do not adequately explain the theological positions adopted by radical Islamist groups, or how extreme violence can be legitimated in the modern age. Further, none of these perspectives engage the classical tradition in Islamic thought regarding the employment of political violence, and how contemporary Muslims reconstruct the classical tradition. How might the classical or contemporary doctrines of Islamic theology contribute to the use of terrorism by modern Islamic movements?

By the eleventh century, Muslim jurists had developed a sophisticated discourse on the proper limits on the conduct of warfare, political violence and terrorism. The Qur’an exhorted Muslims in general terms to perform jihad by waging war against their enemies. The Qur’anic prescriptions simply call upon Muslims to fight in the way of God, establish justice and refrain from exceeding the limits of justice in fighting their enemies. Muslim jurists, reflecting their historical circumstances and context, tended to divide the world into three conceptual categories: the abode of Islam, the abode of war and the abode of peace or non-belligerence. These were not clear or precise categories, but generally they connoted territories belonging to Muslims, territories belonging to enemies and territories considered neutral or non-hostile for one reason or another. But Muslim jurists could not agree on exactly how to define the abode of Muslims versus the abode of others, especially when sectarian divisions within Islam were involved, and when dealing with conquered Muslim territories or territories where sizable Muslim minorities resided. Furthermore, Muslim jurists disagreed on the legal cause for fighting non-Muslims. Some contended that non-Muslims are to be fought because they are infidels, while the majority argued that non-Muslims should be fought only if they pose a danger to Muslims. The majority of early jurists argued that a treaty of non-aggression between Muslims and non-Muslims ought to be limited to a ten-year term. Nonetheless, after the tenth century an increasing number of jurists argued that such treaties could be renewed indefinitely, or be of permanent or indefinite duration.
Importantly, Muslim jurists did not focus on the idea of just cause for war. Other than emphasizing that if Muslim territory is attacked, Muslims must fight back, the jurists seemed to relegate the decision to make war or peace to political authorities. There is a considerable body of legal writing prohibiting Muslim rulers from violating treaties, indulging in treachery or attacking an enemy without first giving notice, but the literature on the conditions that warrant a jihad is sparse. It is not that the classical jurists believed that war is always justified or appropriate; rather, they seemed to assume that the decision to wage war is fundamentally political. However, the methods of war were the subject of a substantial jurisprudential discourse.
Building upon the proscriptions of the Prophet Muhammad (SWS), Muslim jurists insisted that there are legal restrictions upon the conduct of war. In general, Muslim armies may not kill women, children, seniors, hermits, pacifists, peasants or slaves unless they are combatants. Vegetation and property may not be destroyed, water holes may not be poisoned, and flame-throwers may not be used unless out of necessity, and even then only to a limited extent. Torture, mutilation and murder of hostages were forbidden under all circumstances. Importantly, the classical jurists reached these determinations not simply as a matter of textual interpretation, but as moral or ethical assertions. The classical jurists spoke from the vantage point of a moral civilization, in other words, from a perspective that betrayed a strong sense of confidence in the normative message of Islam. In contrast to their pragmatism regarding whether a war should be waged, the classical jurists accepted the necessity of moral constraints upon the way war is conducted.

Muslim jurists exhibited a remarkable tolerance toward the idea of political rebellion. Because of historical circumstances in the first three centuries of Islam, Muslim jurists, in principle, prohibited rebellions even against unjust rulers. At the same time, they refused to give the government unfettered discretion against rebels. The classical jurists argued that the law of God prohibited the execution of rebels or needless destruction or confiscation of their property. Rebels should not be tortured or even imprisoned if they take an oath promising to abandon their rebellion. Most importantly, according to the majority point of view, rebellion, for a plausible cause, is not a sin or moral infraction, but merely a political wrong because of the chaos and civil strife that result. This approach effectively made political rebellion a civil, and not a religious, infraction.
The classical juristic approach to terrorism was quite different. Since the very first century of Islam, Muslims suffered from extremist theologies that not only rejected the political institutions of the Islamic empire, but also refused to concede legitimacy to the juristic class. Although not organized in a church or a single institutional structure, the juristic class in Islam had clear and distinctive insignia of investiture. They attended particular colleges, received training in a particular methodology of juristic inquiry, and developed a specialized technical language, the mastery of which became the gateway to inclusion.
Significantly, the juristic class engaged as a rule in discussion and debate. On each point of law, there are ten different opinions and a considerable amount of debate among the various legal schools of thought. Various puritan theological movements in Islamic history resolutely rejected this juristic tradition, which reveled in indeterminacy. The hallmark of these puritan movements was an intolerant theology displaying extreme hostility not only to non-Muslims but also to Muslims who belonged to different schools of thought or even remained neutral. These movements considered opponents and indifferent Muslims to have exited the fold of Islam, and therefore legitimate targets of violence. These groups’ preferred methods of violence were stealth attacks and the dissemination of terror in the general population.
Muslim jurists reacted sharply to these groups, considering them enemies of humankind. They were designated as muharibs (literally, those who fight society). A muharib was defined as someone who attacks defenseless victims by stealth, and spreads terror in society. They were not to be given quarter or refuge by anyone or at any place. In fact, Muslim jurists argued that any Muslim or non-Muslim territory sheltering such a group is hostile territory that may be attacked by the mainstream Islamic forces. Although the classical jurists agreed on the definition of a muharib, they disagreed about which types of criminal acts should be considered crimes of terror. Many jurists classified rape, armed robbery, assassinations, arson and murder by poisoning as crimes of terror and argued that such crimes must be punished vigorously regardless of the motivations of the criminal. Most importantly, these doctrines were asserted as religious imperatives. Regardless of the desired goals or ideological justifications, the terrorizing of the defenseless was recognized as a moral wrong and an offense against society and God.

It is often stated that terrorism is the weapon of the weak. Notably, classical juristic discourse was developed when Islamic civilization was supreme, and this supremacy was reflected in the benevolent attitude of the juristic class. Pre-modern Muslim juristic discourses navigated a course between principled thinking and real-life pragmatic concerns and demands. Ultimately, these jurists spoke with a sense of urgency, but not desperation. Power and political supremacy were not their sole pursuits.
Much has changed in the modern age. Islamic civilization has crumbled, and the traditional institutions that once sustained the juristic discourse have all but vanished. The moral foundations that once mapped out Islamic law and theology have disintegrated, leaving an unsettling vacuum. More to the point, the juristic discourses on tolerance towards rebellion and hostility to the use of terror are no longer part of the normative categories of contemporary Muslims. Contemporary Muslim discourses either give lip service to the classical doctrines without a sense of commitment or ignore and neglect them all together.
There are many factors that contributed to this modern reality. Among the pertinent factors is the undeniably traumatic experience of colonialism, which dismantled the traditional institutions of civil society. The emergence of highly centralized, despotic and often corrupt governments, and the nationalization of the institutions of religious learning undermined the mediating role of jurists in Muslim societies. Nearly all charitable religious endowments became state-controlled entities, and Muslim jurists in most Muslim nations became salaried state employees, effectively transforming them into what may be called “court priests.” The establishment of the state of Israel, the expulsion of the Palestinians and the persistent military conflicts in which Arab states suffered heavy losses all contributed to a widespread siege mentality and a highly polarized and belligerent political discourse. Perhaps most importantly, Western cultural symbols, modes of production and social values aggressively penetrated the Muslim world, seriously challenging inherited values and practices, and adding to a profound sense of alienation.
Two developments became particularly relevant to the withering away of Islamic jurisprudence. Most Muslim nations experienced the wholesale borrowing of civil law concepts. Instead of the dialectical and indeterminate methodology of traditional Islamic jurisprudence, Muslim nations opted for more centralized and often code-based systems of law. Even Muslim modernists who attempted to reform Islamic jurisprudence were heavily influenced by the civil law system, and sought to resist the fluidity of Islamic law and increase its unitary and centralized character. Not only were the concepts of law heavily influenced by the European legal tradition, the ideologies of resistance employed by Muslims were laden with Third World notions of national liberation and self-determination. For instance, modern nationalistic thought exercised a greater influence on the resistance ideologies of Muslim and Arab national liberation movements than anything in the Islamic tradition. The Islamic tradition was reconstructed to fit Third World nationalistic ideologies of anti-colonialism and anti-imperialism rather than the other way around.
While national liberation movements — such as the Palestinian, Kashmiri or Algerian resistance — resorted to guerrilla or non-conventional warfare, modern day terrorism of the variety promoted by Osama bin Laden is rooted in a different ideological paradigm. There is little doubt that organizations such as the Jihad, al-Qaeda, Hizb al-Tahrir and Jama’at al-Muslimin were influenced by national liberation and anti-colonialist ideologies, but they have anchored themselves in a theology that can be described as puritan, supremacist and thoroughly opportunistic. This theology is the byproduct of the emergence and eventual dominance of Wahhabism, Salafism and apologetic discourses in modern Islam.

The foundations of Wahhabi theology were put in place by the eighteenth-century evangelist Muhammad ibn ‘Abd al-Wahhab in the Arabian Peninsula. With a puritanical zeal, ‘Abd al-Wahhab sought to rid Islam of corruptions that he believed had crept into the religion. Wahhabism resisted the indeterminacy of the modern age by escaping to a strict literalism in which the text became the sole source of legitimacy. In this context, Wahhabism exhibited extreme hostility to intellectualism, mysticism and any sectarian divisions within Islam. The Wahhabi creed also considered any form of moral thought that was not entirely dependent on the text as a form of self-idolatry, and treated humanistic fields of knowledge, especially philosophy, as “the sciences of the devil.” According to the Wahhabi creed, it was imperative to return to a presumed pristine, simple and straightforward Islam, which could be entirely reclaimed by literal implementation of the commands of the Prophet(PBUH), and by strict adherence to correct ritual practice. Importantly, Wahhabism rejected any attempt to interpret the divine law from a historical, contextual perspective, and treated the vast majority of Islamic history as a corruption of the true and authentic Islam. The classical jurisprudential tradition was considered at best to be mere sophistry. Wahhabism became very intolerant of the long-established Islamic practice of considering a variety of schools of thought to be equally orthodox. Orthodoxy was narrowly defined, and ‘Abd al-Wahhab himself was fond of creating long lists of beliefs and acts which he considered hypocritical, the adoption or commission of which immediately rendered a Muslim an unbeliever.
In the late eighteenth century, the Al Sa’ud family united with the Wahhabi movement and rebelled against Ottoman rule in Arabia. Egyptian forces quashed this rebellion in 1818. Nevertheless, Wahhabi ideology was resuscitated in the early twentieth century under the leadership of ‘Abd al-’Aziz ibn Sa’ud who allied himself with the tribes of Najd, in the beginnings of what would become Saudi Arabia. The Wahhabi rebellions of the nineteenth and twentieth centuries were very bloody because the Wahhabis indiscriminately slaughtered and terrorized Muslims and non-Muslims alike. Mainstream jurists writing at the time, such as the Hanafi Ibn ‘Abidin and the Maliki al-Sawi, described the Wahhabis as a fanatic fringe group.

Nevertheless, Wahhabism survived and, in fact, thrived in contemporary Islam for several reasons. By treating Muslim Ottoman rule as a foreign occupying power, Wahhabism set a powerful precedent for notions of Arab self-determination and autonomy. In advocating a return to the pristine and pure origins of Islam, Wahhabism rejected the cumulative weight of historical baggage. This idea was intuitively liberating for Muslim reformers since it meant the rebirth of ijtihad, or the return to de novo examination and determination of legal issues unencumbered by the accretions of precedents and inherited doctrines. Most importantly, the discovery and exploitation of oil provided Saudi Arabia with high liquidity. Especially after 1975, with the sharp rise in oil prices, Saudi Arabia aggressively promoted Wahhabi thought around the Muslim world. Even a cursory examination of predominant ideas and practices reveals the widespread influence of Wahhabi thought on the Muslim world today.
But Wahhabism did not spread in the modern Muslim world under its own banner. Even the term “Wahhabism” is considered derogatory by its adherents, since Wahhabis prefer to see themselves as the representatives of Islamic orthodoxy. To them, Wahhabism is not a school of thought within Islam, but is Islam. The fact that Wahhabism rejected a label gave it a diffuse quality, making many of its doctrines and methodologies eminently transferable. Wahhabi thought exercised its greatest influence not under its own label, but under the rubric of Salafism. In their literature, Wahhabi clerics have consistently described themselves as Salafis, and not Wahhabis.

Salafism is a creed founded in the late nineteenth century by Muslim reformers such as Muhammad ‘Abduh, al-Afghani and Rashid Rida. Salafism appealed to a very basic concept in Islam: Muslims ought to follow the precedent of the Prophet and his companions (al-salaf al-salih). Methodologically, Salafism was nearly identical to Wahhabism except that Wahhabism is far less tolerant of diversity and differences of opinion. The founders of Salafism maintained that on all issues Muslims ought to return to the Qur’an and the sunna (precedent) of the Prophet. In doing so, Muslims ought to reinterpret the original sources in light of modern needs and demands, without being slavishly bound to the interpretations of earlier Muslim generations.
As originally conceived, Salafism was not necessarily anti-intellectual, but like Wahhabism, it did tend to be uninterested in history. By emphasizing a presumed golden age in Islam, the adherents of Salafism idealized the time of the Prophet and his companions, and ignored or demonized the balance of Islamic history. By rejecting juristic precedents and undervaluing tradition, Salafism adopted a form of egalitarianism that deconstructed any notions of established authority within Islam. Effectively, anyone was considered qualified to return to the original sources and speak for the divine will. By liberating Muslims from the tradition of the jurists, Salafism contributed to a real vacuum of authority in contemporary Islam. Importantly, Salafism was founded by Muslim nationalists who were eager to read the values of modernism into the original sources of Islam. Hence, Salafism was not necessarily anti-Western. In fact, its founders strove to project contemporary institutions such as democracy, constitutions or socialism into the foundational texts, and to justify the modern nation-state within Islam.
The liberal age of Salafism came to an end in the 1960s. After 1975, Wahhabism was able to rid itself of its extreme intolerance, and proceeded to coopt Salafism until the two became practically indistinguishable. Both theologies imagined a golden age within Islam, entailing a belief in a historical utopia that can be reproduced in contemporary Islam. Both remained uninterested in critical historical inquiry and responded to the challenge of modernity by escaping to the secure haven of the text. Both advocated a form of egalitarianism and anti-elitism to the point that they came to consider intellectualism and rational moral insight to be inaccessible and, thus, corruptions of the purity of the Islamic message. Wahhabism and Salafism were beset with contradictions that made them simultaneously idealistic and pragmatic and infested both creeds (especially in the 1980s and 1990s) with a kind of supremacist thinking that prevails until today.
The predominant intellectual response to the challenge of modernity in Islam has been apologetics. Apologetics consisted of an effort by a large number of commentators to defend the Islamic system of beliefs from the onslaught of Orientalism, Westernization and modernity by simultaneously emphasizing the compatibility and supremacy of Islam. Apologists responded to the intellectual challenges coming from the West by adopting pietistic fictions about the Islamic traditions. Such fictions eschewed any critical evaluation of Islamic doctrines, and celebrated the presumed perfection of Islam. A common apologist argument was that any meritorious or worthwhile modern institution was first invented by Muslims. According to the apologists, Islam liberated women, created a democracy, endorsed pluralism, protected human rights and guaranteed social security long before these institutions ever existed in the West. These concepts were not asserted out of critical understanding or ideological commitment, but primarily as a means of resisting Western hegemony and affirming self-worth. The main effect of apologetics, however, was to contribute to a sense of intellectual self-sufficiency that often descended into moral arrogance. To the extent that apologetics were habit-forming, it produced a culture that eschewed self-critical and introspective insight, and embraced the projection of blame and a fantasy-like level of confidence.
In many ways, the apologetic response was fundamentally centered on power. Its main purpose was not to integrate particular values within Islamic culture, but to empower Islam against its civilizational rival. Muslim apologetics tended to be opportunistic and rather unprincipled, and, in fact, they lent support to the tendency among many intellectuals and activists to give precedence to the logic of pragmatism over any other competing demands. Invoking the logic of necessity or public interest to justify courses of action, at the expense of moral imperatives, became common practice. Effectively, apologists got into the habit of paying homage to the presumed superiority of the Islamic tradition, but marginalized this idealistic image in everyday life.
Post-1970s Salafism adopted many of the premises of the apologetic discourse, but it also took these premises to their logical extreme. Instead of simple apologetics, Salafism responded to feelings of powerlessness and defeat with uncompromising and arrogant symbolic displays of power, not only against non-Muslims, but also against Muslim women. Fundamentally, Salafism, which by the 1970s had become a virulent puritan theology, further anchored itself in the confident security of texts. Nonetheless, contrary to the assertions of its proponents, Salafism did not necessarily pursue objective or balanced interpretations of Islamic texts, but primarily projected its own frustrations and aspirations upon the text. Its proponents no longer concerned themselves with coopting or claiming Western institutions as their own, but defined Islam as the exact antithesis of the West, under the guise of reclaiming the true and real Islam. Whatever the West was perceived to be, Islam was understood to be the exact opposite.

Of course, neither Wahhabism nor Salafism is represented by some formal institution. They are theological orientations and not structured schools of thought. Nevertheless, the lapsing and bonding of the theologies of Wahhabism and Salafism produced a contemporary orientation that is anchored in profound feelings of defeat, frustration and alienation, not only from modern institutions of power, but also from the Islamic heritage and tradition. The outcome of the apologist, Wahhabi and Salafi legacies is a supremacist puritanism that compensates for feelings of defeat, disempowerment and alienation with a distinct sense of self-righteous arrogance vis-à-vis the nondescript “other” — whether the other is the West, non-believers in general or even Muslims of a different sect and Muslim women. In this sense, it is accurate to describe this widespread modern trend as supremacist, for it sees the world from the perspective of stations of merit and extreme polarization.
In the wake of the September 11 attacks, several commentators posed the question of whether Islam somehow encourages violence and terrorism. Some commentators argued that the Islamic concept of jihad or the notion of the dar al-harb (the abode of war) is to blame for the contemporary violence. These arguments are anachronistic and Orientalist. They project Western categories and historical experiences upon a situation that is very particular and fairly complex. One can easily locate an ethical discourse within the Islamic tradition that is uncompromisingly hostile to acts of terrorism. One can also locate a discourse that is tolerant toward the other, and mindful of the dignity and worth of all human beings. But one must also come to terms with the fact that supremacist puritanism in contemporary Islam is dismissive of all moral norms or ethical values, regardless of the identity of their origins or foundations. The prime and nearly singular concern is power and its symbols. Somehow, all other values are made subservient. <!– / message –>

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Nadeem Wagan

writer of Pakistan

Marnie (Part 4)

Posted by admin On May - 31 - 2010ADD COMMENTS


“You don’t love me. I’m just some kind of wild animal you’ve trapped!” Marnie Edgar is an ice-cold habitual thief. She uses her looks to gain the confidence of her employers, robs them, and changes her identity. Her only loves are her horse and her mother, although she has problems with the latter relationship. Marnie applies for a job at Mark Rutland’s Philadelphia publishing company. Mark recognises her since he is a client of her last employer, but instead of turning her in, he decides to watch her.

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When we talk about business security shoplifting is a major headache, especially for the small scale retailers. In fact, it is a growing threat for industries like department stores, grocery shops, apparel and garments retail shops as well as for shops selling gifts and novelties. And this organized retail theft is claimed to be growing in this uncertain economy. In addition, there is another shoplifting trend called opportunistic shoplifting. Such thefts are usually conducted by single, impulsive individual who pockets those items that are poorly protected. It is quite easy to deal with such thefts. All you need to do is make your security presence more and more visible. On the other hand, dealing with organized theft is rather difficult. As the term suggests, such crimes are conducted by gangs and it is not that easy to catch them on spot.

Technology too plays a great role in such crimes. In fact, it has made shoplifting more sophisticated. A number of organized thieves often produce phony cash register receipts as their proof of purchase, or make fraudulent returns of items by using credit card numbers which were again stolen from some body else.

Though it is difficult, large departments stores can still give a better fight to stop such crimes. They have enough budget to install security gates, hidden cameras and close circuit televisions. On the other hand, the small or mid sized retailers who have limited budget and staff face a greater challenge while dealing with such situations. But you can avoid such crimes if you take some simple preventive measures. The first and foremost is to have security guards at the entrance gate who will be responsible to check the bills and count the items of every customer leaving your shop. In addition, do not allow your customers to carry any bags (apart from his/ her purse) while entering the store.

You must understand that shoplifters, whether an individual or gangs, steal because you give them opportunity to do so. Take a look around the store and watch out for the loopholes. Are the shelves of your store covered? Can the customers reach there easily? Do you have too little staff to cater to the needs of your customers? These are some of the situations that can provoke the shoplifters. But you can deal with the situation before it gets out of your hand. Appoint enough staff to acknowledge every customer in some way or other. Make sure that there is at least one staff in every row. Keep the shelves in a way so that you can easily see from one part of the store to another. Items that are expensive and are more vulnerable to theft must be kept in covered and secured shelves. And tell your people to be extra cautious while showing such items like iphone, laptops, jewelries and expensive stones and watches.

It has also been noticed that some your employees are involved in organized thefts. Some of employee thefts include stealing cash and / or goods, forging or hiding receipts, skimming from vendor deliveries and engaging in shipping and billing scams. Thereby you must also handle them carefully. Be very careful while hiring your staff. Background checks including talking to previous employers and verifying references is a must. Also conduct a security check for your people during entrance and exit. Make them u8nderstand that it is a company policy and there is nothing personal. Other measures will include inspecting shipment on a regular basis, checking the registers and other records and installing at least a few surveillance cameras both for your employees and customers.

 

Emily Ralph is an independent small business consultant who advises and counsels small business owners and helps them. To access more information about small business manufacturer, Free Tenders and b2b buying leads visit http://www.hellotrade.com.

Bad Mortgage Questions and Answers

Posted by admin On May - 31 - 2010ADD COMMENTS

More Bad Mortgage questions please visit : QEOK.com

How fruitless is it on my sector if i verbs to wage my mortgage in arrears?
I have up to 15 days every month to pay, but i sometimes retribution after . I don’t mind paying the late fees, it’s not an issue. How about credit knowledgeable (there is nothing that i can do…

How fruitless will it be if I don’t foot my mortgage for two months so that my lender can lower my monthly payments?
A friend of mine told me that she got a flyer in the correspondence that says they will help you to lower monthly payments.She said the morgage companys purloin you…

How glib is it to bring back a right to buy mortgage on a council property near unpromising credit?
Although I do not know what you mean by council property but I do know it is terribly complicated to buy ANYTHING when one has bad credit. One of the most vital things you…

How impossible will the mortgage crisis become if even relations next to suitable credit are going into evasion?
Apparently even people with polite credit are falling behind on their mortgage payments at higher rates, freshly as the subprime mortgage problems are leveling off. The chairman and chief executive of JPMorgan Chase described…

How much does a bleak, average, and well brought-up mortgage broker craft??
lets say they work for a company and they are NOT self employed. how much would they brand name? bad broker: the average broker: and a good broker: It depends on how much loan business they do. …

How plausible would it be to verbs a mortgage title to someone beside discouraging credit?
my parents are tyring to pay off their bills, so they’re wanting me to purchase their home or verbs the title for what they owe. I know I have bad credit. Is any of this possible? If so, who…

How to go and get mortgage if credit is doomed to failure?
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How unpromising can mortgage loan restructuring hurt your credit?
I am looking for a way to get out of a impossible investment. I bought a house for 325 K and now its only worth $200,000, gratefulness to the current market. I owe the bank 280 K and its a unenthusiastic option arm loan, so…

How unpromising is the ” MORTGAGE CRISIS ” surrounded by Charlotte, NC?
I’d like to buy a house in Charlotte, North Carolina nouns, but I’m not sure if I’ll get a better deal immediately or maybe next year. Thanks. the housing boom hasnt hit charlotte but, but everyone and their mother is moving…

How unpromising will a belatedly mortgage grant effect my credit? I remunerated 2 days after the 30 afternoon discoloration..?
It is hard to say how tricky your FICO credit score will be hit, because everyone’ credit history is different. A 30-day late transmittal on one person’s report might lower their score more…

How Will I Afford a Mortgage With Bad Credit?
Both my boyfriend and I have very, enormously bad credit. We have compensated all of our debts off, but that still does not relief our cause. We want to own a home and NOT rent. How are we going to be able…

How Will I Afford a Mortgage With Bad Credit?
Both my boyfriend and I have very, exceptionally bad credit. We have remunerated all of our debts off, but that still does not lend a hand our cause. We want to own a home and NOT rent. We are getting married. That’s why…

Husband and I basically bought a house. Mortgage surrounded by my designation due to his impossible credit. Whose pet name is on achievement?
I don’t have copy of deed nor did I sign it. Husband emotion insecure. Most states make you put and your spouse on the deed due to…

I am bringing up the rear on my mortgage. My house is worth more than 2.5 times what i bought it for but my credit is impossible.?
I have been losing for awhile. I was given a payment plan that I be paying until my x left & took all the bill money +…

I am considering a mortgage loan beside nova star financial what do you adjectives know going on for the company ? right?unpromising?
Is Nova Star a good firm? Do you think it is sagacious using them with volitilty that is occuring within the Mortgage loan market? I thought they were gone. Novastar is…

I am going through a divorce,how do I protected a mortgage surrounded by my name(for impossible to tell apart house)-bad credit?
There’s a couple of things you can do. 1. Apply with a reputable lender. See what they can do for you. Chase still does alternative and non-prime loans for…

I am looking for a mortgage next to a 5% deposit, i enjoy fruitless credit and default, does anyone know any lenders?
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I am looking for a unpromising credit mortgage contained by Canada.?
I have outstanding loans that I would like to consolidate into my mortgage. Does anyone enjoy any recommendations? Talk to the financial institution that holds your mortgage first. As a mortgage lender for a major edge I can tell you this is…

I am not tabled hired for my mortgage, due to bleak credit, can I still claim interest on the payments made?
NO Only the person tabled can claim the interest for their taxes. Did the person that is on the mortgage capture a 1098 showing the interest paid during the year? Can…

I am rebuilding my desperate credit, my wife have great credit. Will we procure a mortgage?
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Advice for Securing Your Office

Posted by admin On May - 31 - 2010ADD COMMENTS

Offices Lacking Security Suffer Losses Ranging from Petty Theft to Embezzlement

Paul Hult, a Wyoming business owner, was shocked by his discovery in 2005 that an employee he trusted had committed embezzlement against his family’s construction company totaling more than $200,000.

According to Hult, the culprit was well-liked, the type of person who would give you her change so you could buy a stamp. For years, however, she stole from him by putting funds in an account she kept in the name of her late uncle. She covered up the checks by eliminating them from the system and balancing the ledger to conceal the deficit.

Hult’s losses may never be recouped. For embezzling company money, the criminal received a jail sentence of nine months, a term of work-release, and 10 years’ probation. Hult finds little comfort in the punishment, and says he is leery of trusting again.

Shield your Company from Robbery

Unfortunately, each year sees businesses suffer monetary losses in the thousands and hundreds of thousands of dollars due to immoral staff members that take advantage of their employers’ trust and the lack of security in their office. Mike Blonigen is a Natrona County District Attorney who provides office security suggestions that may have helped Hult avoid his traumatic loss.

>> Set up and maintain a theft security system. For instance, if you have decided not to sign blank checks, don’t make any exceptions, even if it would be more convenient to do so. Theft is a much more significant inconvenience.

>> Regardless of how trustworthy they seem, do not give staff members unsupervised contact with accounting systems.

>> Perform an annual exterior audit, of which you ensure that each staff member is cognizant.

Suggestions for Added Office Protection

In addition to embezzlement, office theft can include petty theft that may total profit loss in the thousands of dollars. These additional security recommendations can help prevent such losses.

>> Even if you’re leaving for only a moment, never leave your office door unlocked.  

>> Encourage staff members to lock their pocket books and other valuables, particularly laptops, in a drawer when they leave their station.  

>> Request appropriate identification from service staff arriving at your office. Confirm the purpose for their presence by verifying service orders.

>> After their arrival, order the immediate transfer of deliveries to secured areas.  Unsupervised deliveries attract theft.

>> Tell staff members to meet strange visitors with a courteous “May I help you?” Making the presence of visitors known can deter thieves, as well as give help and a polite welcome to valid visitors.

>> Keep a detailed record of office supplies, including documentation of equipment serial numbers, PSU numbers, and monetary worth and purchase dates.

>> Set up security cameras around the office. Studies reveal a decrease in theft and an increase in staff performance.

>> Enable secure access control to every office area. Key cards and keys are transferable and can be stolen, but biometric readers let only sanctioned staff into areas that are secured.

Security-cameras-cctv.com offers the latest wireless security camera, home security system , and video surveillance system technology to solve your security challenges. For more details on us please visit security camera.

Film Noir Classic Collection, Vol. 5

Posted by admin On May - 31 - 20103 COMMENTS

Top Places to Visit in Gran Canaria

Posted by admin On May - 31 - 2010ADD COMMENTS

Gran Canaria is one among the 7 large islands that complete Canary Islands. It is another bountiful place that is reach in culture and geographical scenery. It has vivacious nightlife, sparkling blue to green beaches, exciting aquatic sports that would surely provide family interactions. With its unique subtropical weather whole year round, the island offers numerous attractions and activities you would surely enjoy.
Here are the top places to visit in Gran Canaria.

Sioux City

Sioux City is located in the southern part of Gran Canaria. Its culture has been preserved with a theme of ‘Wild West’. This is one exciting place and the only place in Gran Canaria wherein you could see cowboy shows, horses, churches, Indian knife and dancers. There are also several ranches, banks and saloons that are fully designed to fit its theme ‘the good old cowboy days’. This place is often visited by tourists because of there fun shows like Bank Robbery, Death match duel and Indian dances that would surely bring picture of the old western time.

Aqualand Aquasur

Aqualand Aquasur is the biggest water park in Gran Canaria. It is located near Mas Palomas with an estimated area of 130,000 square meters in diameter. This water parks offer several aquatic sports such as snorkeling, scuba diving, surfing and wind surfing. The aqua park is composed of water pools, river rides, restaurants and golf yard.

Holiday World

Holiday World is Gran Canaria’s own Disney land. It is a perfect treat not only for the children but to the adults as well. Holiday World offers rollercoaster rides, shooting stalls, Ferris wheel, cafes, restaurants, and other amazing rides.

Cocodrilo Park

Parque de los Cocodrilos is a farm with for crocodiles. It has several collections of crocodile species. All are well cared. They place is kept organized and cleaned. Tourists of Gran Canaria loves to visit this place because of the once in a lifetime experience with these huge exotic reptiles. The park also offers several aerial creatures like parrots and owls. They also have variety of tropical fish collections.

Las Palmas

Considered as the capital of Canary Islands, Las Palmas has wide collections of marvelous beaches and shopping zones. The city has also preserved their centuries old monuments, museums and churches.

Museums

For people who are fond of old stories, artifacts, and history, the museums in Gran Carania must not be missed. Their remarkable history are greatly pictured and emphasized in their museums. These museums are very comprehensive, with complete findings from the past up until the recent ones. They are not only limited to artifacts, they also cover the island’s culture and literature. The museum is also a perfect place to spend if you are not in the mood of indulging to exciting sports, then perhaps exploring the island’s history is worthwhile. Here are the several museums that must be seen in Gran Canaria Island; Museo Canaria, Museo de Historia de Agüimes, Museo Elder de la Ciencia y la Tecnología, Casa Museo Pérez Galdós and Museo Néstor.

Perfect time to visit Gran Canaria

The best time to visit Gran Canaria vary from tourists to tourists. Others, they are best visited during the winter season of their country. For me, the best month is from December to February. The island during this time is quite sunny with a temperature of 21 to 29 degrees Celsius.

Find more useful information on holidays in Gran Canaria for you to truly enjoy your holiday. Aside from Gran Canaria, Cheap holidays 24 also provides cheap flights to several places in the world.

Identity theft is a huge problem and as the economy has gotten worse so has identity theft. There has never been a time when it was more important to protect yourself from identity theft than now.

You may be wondering how you can protect yourself but first I think you should understand How bad identity theft has really become.

Here are some scary facts about identity theft – what is now the fastest-growing crime in the nation:
· There have been over 9 million victims a year for two years running
(Better Business Bureau and Javelin Strategy & Research, January 2005)

· Identity theft has been the top consumer complaint to FTC five years in a row
(Federal Trade Commission, National and State Trends in Fraud and Identity Theft, February 1, 2005)
??????· Identity theft has claimed over 30 million victims in past five years
(Federal Trade Commission, 2003 and Better Business Bureau, 2005)

WOW! Identity theft has become a nationwide problem with millions of victims of all ages.

Here is a fact that will probably surprise you. In 2003, nearly 7 million people became victims of identity theft in the previous 12 months. That breaks down to around 19,178 per day, 799 per hour, and 13.3 per minute.

It is a fact, according to the US Department of Justice, that drug trafficking is now being replaced by identity theft as the number one crime. This affects all of us in one way or another.

Either you, or someone you know becomes a victim of identity theft.
AND, identity theft causes stores and credit card company to raise prices and their rates, respectively.

So what does this mean? We all pay for identity theft in some way so we all need to protect ourselves and our loved ones and we need to be sure to report as soon as possible anyone that we suspect of trying to steal someone’s identity.

Although identity theft scams most often happen over the phone you need to be careful where-ever you are. They could contact you online, over the phone or even come to your door.

Be sure to provide the police with any pertinent information that you may have. Time, location, what the person looked like, sounded like, caller id information, what type of vehicle-kind, color, year, distinguishing marks on the person or their vehicle, etc.

For many people it will probably take hundreds of hours, and an average of $1,000, just to recover from ID theft. Even worse is that in some innocent victims have ended up in prison because identity thieves have been committing crimes in their names. Thus, the victim then ends up being victimized twice.

Now hopefully this has shown you why identity theft prevention is so important. We want to help you to protect yourself from this awful nightmare. We have an excellent resource to help you to protect yourself so that you never need worry about becoming a victim of identity theft. Find out about the different ways that these scammers will use to steal your identity and how you can protect yourself from them.

Now, if you would like to find out more about how identity thieves can steal your identity from you in the first place then please send a blank email to .
identity-theft-facts@freeautobot.com

Michelle Oaks has been working online for over 7 years. She is the published author of numerous articles, e-books and more. Michelle is the owner of mojovideoworld.com & freedomin90days.ws