Reasons Government is Necessary

A government is an organization in a community or political entity that has the power to enact and enforce laws and maintain the peace and order. A government is necessary since is it considered the leadership of an organization, community or political entity.

Laws are important since it defines the behavior of citizens. It defines which are legal or illegal. Without laws, an activity can not be known if it a crime or not. The law-making role of the government creates a code of conduct for individuals to follow.

Another role of the government is the maintenance of peace and order. The police and fire department ensures that crimes like murder, theft, arson, etc. are prevented or minimized. If a crime does happen, it is their role to look into how the crime happened and apprehend the perpetrators.

Government also promotes harmony though justice and equality. Once a crime is solved by the police, it is the duty of the judicial branch of the government to bring the perpetrator to court for fair trial and punishment. It makes sure that the right person gets into jail for the right reason.

It is also the role of the government to build roads, bridges, rail systems and other infrastructure. These are important since it makes moving about easier and more convenient. It also makes doing business a lot easier since goods and services can be moved faster from the source of production to the marketplace.

Another role of the government is to provide children with public access to basic education. It is essential that children learn how to read, write and count.

Another role of the government is to collect taxes and ensure that these taxes fund the right projects that are beneficial to society. Money is needed to build public schools, roads and bridges and provide services like welfare assistance, health care, unemployment benefits, etc. This is where taxes come in. The government collects taxes from individuals and business so that schools, roads and other infrastructure are built.

It is also important that the government protect its security from threats. It is the role of the government to have a military force to defend its territory from external threats like terrorism, war and invasion. The government's police force protects the citizens against internal threats like civil disobedience, organized crime, lawlessness, insurrection.

Another role of the government is to have foster relations with other governments. In an era of globalization, it is important that governments work with each other to maintain world peace and prosperity.

Choosing Between Selling Your Home and Refinancing Your Mortgage

Homeowners may be concerned with difficult housing market to take advantage of low mortgage refinance rates. Refinancing a home loan may lower monthly mortgage payments substantially. It may consolidate high interest mortgage loans, credit card balances and personal loans in one low monthly payment. People may have an opportunity to sort their financial difficulties. With so many benefits of refinancing a home mortgage loan, it would be a shame to miss on these low rates.

Most people buy a house with the intent of setting up a family home and see home buying as an investment for the future. Although House prices may be down at the moment, investing in your home is still one of the safest outlet for your money. Many homeowners love to refinance their home mortgage loan, but they can not qualify for home loans. They were late in entering housing market in the last boom and cottage house prices just before it started its downfall. Neverheless, there are still a few homeowners with good equity and in an enviable position. Refinance home mortgage loan is an instrument to reduce household expenses to affordable levels for the eligible homeowners. Mortgage refinancing decisions should be taken based on the advantages and savings afforded by it. The value of a home would affect the possibility of refinancing home loans. Nonetheless, homeowners should not hold back from a saving opportunity, because the value of their home might be falling.

In reality, ruling house prices should make homeowners more determined to get a mortgage refinance. When the housing market is stalling, it would be difficult to sell a home and get out of mortgage. Moreover, this challenging environment might last for a long time. It would make sense to prepare the ship for tough waters. Reducing monthly home loan payments and other expenses would make more money available for spending. Instead, the savings could be used to pay the mortgage faster, too.

A problematic problem is that the further the house prices go down the more it becomes difficult to get a refinance mortgage. Then, homeowners would be stuck with high mortgage interest rates as well as the homes they can not sell. In addition, lenders may set higher loan requirements as a result of bad loan books the lenders carry at these times. By increasing the quality of new borrowers loans would want to improve their overall credit risk. Another factor is that appraisers may start getting conservative with their valuations and drive down house prices artificially.

Current trend is that homeowners reduce their mortgages with money from their savings to qualify for the great mortgage refinance rates. Most people would not sell their home even the prices were very tempting. So why should they be excessively concerned when the house prices are down temporarily. Rather than worrying about house prices, they do what they can to lower their monthly mortgage payments.

Evo 4G - Why It's The Ultimate State-Of-The-Art Smartphone

If you like to keep up with what is going on with the latest in cellphones, you are probably aware of the latest one that is getting lots of press coverage. It's the HTC Evo 4G, the smartphone that is about to take a giant leap above the mobile communication competition by being a full fledged commercial 4G smartphone. So what is so great about it? Evo 4G has a display screen that is much larger than that of the iPhone, Galaxy or a Nexus One. Its 4.8 inch screen is much more touch sensitive and offers lots of room for very precise finger tapping. Also, because it is an LCD screen, the image is bright in daylight without having to worry much about glare ruining the image.

Evo operates on the Google's Android 2.1 OS platform that has been specifically configured for the HTC. The superior 4G connection will allow one to take advantage of superior quality video conferencing which the phone will offer through Qik app and will cost around $ 5 a month. However, the basic video conferencing app does not cost anything and will supply only VGA quality. All that is great, but let's discuss the camera.

The camera in Evo 4G is a brilliant 8 megapixel masterpiece. There is one camera in the front of the phone, it is 1.3 megapixel and designed to be used for video calls. The camera in the back is capable of taking exceptional good photographs and it's great feature is the ability to make many adjustments to various parameters, such as brightness, contrast, special filters etc before taking the shot. This results in hundreds of ways to take a picture, an important and major plus for those that like to take lots of pictures. The phone is also capable of recording 720p high quality video at 25 fps which, although not the finest quality, is still pretty good. Overall, it is easy to see why the Evo 4G is the ultimate state-of-the-art smartphone.

Advantages and Disadvantages of a Whiteboard

The whiteboard, since its invention has come a long way and today it is one of the most common fixtures in schools, universities, hospitals as well as organizations where information has to be displayed to an audience. Apart from these organizations, whiteboards have also become an essential part of every office as they are an important tool especially when there are brainstorming sessions are going on. It is very easy to note down the ideas that come up during a brainstorming session on a whiteboard and then modify them as the discussion progresses, than having to refer back and forth to handwritten notes on a book. There are different types of whiteboards available, the difference being the type of surface used in these whiteboards and you will have to make sure that you choose the right whiteboard for your requirement. Given below are some details on the advantages and the disadvantages of the whiteboards and details on how to select the right whiteboard for your use.

Advantages of the whiteboard:

One of the advantages that have resolved in the popularity of the whiteboard across all sectors is the fact that whiteboards are reusable and the whiteboard ink markings made using the whiteboard marker are more effective and lasts for a longer period than the marks made using a chalk on a chalkboard. They are also less susceptible to other external factors such as water and wind. Markers are also very user friendly as they do not produce any dust, unlike the chalks, which can be very messy as it creates a lot of dust. This works best for people who have dust allergies as well as breathing problems. As the whiteboard markings do not produce any dust, you can also use it without any worry near dust sensitive equipments.

Another advantage of using the whiteboards is that it can also be used as a projecting medium when you use a video projector or overhead projector. This in turn permits you to make comments, underline important details and even highlight them on the whiteboard using the marker. The whiteboards contain high glass surfaces which helps reflect the projector light with ease.

Another advantage that often comes to mind while using the whiteboard is the ease with which you can handle the whiteboard marker. This marker is much easier to handle in comparison to chalk and even people with limited mobility can use this marker with ease. Also the effort, pressure and time required to write content on the whiteboard is much less than what is required when you have to write on a chalkboard. This also brings the fatigue that you would experience in case you use chalk thus making writing on these boards an easy task.

Another advantage that is worth mentioning, especially since we are in an age where eco friendly products and ways of life are gaining popularity, is that the whiteboard helps save paper in classes and universities, so making it right the right choice if you want to purchase an environment friendly product. Whiteboards also offers you options of different colors as there are a wide range of marks available in different colors.

Most of the popular and commonly available whiteboards have magnetic surfaces which lets you use these whiteboards as magnetic bulletin boards too. All you need are magnetic weights that let you pin up important documents that you need access to.

Disadvantages of the whiteboard

However like the two sides of a coin, the whiteboard too is not without disadvantages. Given below are some of the disadvantages of using a whiteboard.

While it is very easy to write on a whiteboard with the whiteboard marker, care has to be taken that you use only whiteboard marks when you want to write on this board as using the wrong kind of marker may leave a permanent mark on the board or you might have a very difficult time cleaning it depending on the type of surface you have on the whiteboard that you have purchased. However these days thanks to the advancement in technology, there are removable inks as well as sprays that are available and these sprays or removable inks helps you remove the marks that are made on the whiteboards using other marks.

Another disadvantage that has been often heightened in case of a whiteboard is that it often causes contrast problems for people who have vision injury issues. People who are left handed also face some problems when they have to write on the whiteboard as most left handers tend to smudge the content that they have already written because of the way they hold the pen and write on it. Another critic that the whiteboards have received is that when using these boards you are not able to draw heavy lines and light lines and distinguishing between them as you would have been able to do when using a chalkboard.

However, despite its disadvantages, these whiteboards have become very popular all across schools as well as offices and are used daily by individuals so forming a very important mode of communication in these places.

Choosing the right whiteboard from a reputed retailer is also of utmost importance. If you plan to purchase your whiteboard online, make sure that you get it from the right retailer. For this you will have to spend some time on the internet and conduct a thorough research. Read up on reviews on the service and the quality of the product offered by these retailers, you will find a number of review websites online. Before you finalize on a retailer, make sure you know your requirement in terms of the sizes and the type of whiteboard surface you are looking for. Once you have all these details with you and you have shortlisted a few retailers, look around for the best price. Most of the retailers offer great discounts, keep an eye out for these discounts to get the most of the money that you would be investing on the whiteboard.

Ten Factors That Can Make Your Penis Smaller - Learn How To Prevent It From Happening to You!

There are many factors that can cause a man to have a small penis. Some factors can not be helped, while some factors can be prevented. Here's a list of some factors that can decrease penis size:

1) Circumcision - Circumcision is a big cause of a smaller penis. The reason for this is that when the foreskin is removed from the penis, it usually leads to scarring. Skin and penile tissue that has been scarred will be less elastic and will typically "shrink" up (and get smaller) when a scar is formed. Some estimates are that men who are circumcised lose an average of 5% of their penile length. Strangely enough, the companies and industries that profit from circumcision state that there is no scarring nor loss of penis length when a man's penis is circumcised.

2) Scarring Due to Injury or Burns - Getting your manhood done in your zipper, excess masturbation, and other injuries can also make the penis smaller. Because of the sensitive nature of the penile tissues and skin, they can be easily injured. I had a friend who stepped on his dog's tail in the dead of night. The dog jumped up, clenched down on his penis, and bit into it. After a trip to the hospital (no stitches), and once healed up, what was the result? His penal was shorter in length and the area that was injured resolved in a scarred depression in this area of ​​his penal.

We mentioned masturbation already, and it's something to definitely keep in mind. Excessive masturbation, especially when a man is young and masturbating over aggressively, can damage the skin and other penile tissues. If this happens, stop masturbating and let your penis heal 110%. This type of scarring, too, can make your penis smaller.

Burns, as one can imagine, can make your penis smaller, too, and they are more common than most people realize. The most frequent cause is usually from scaling liquid being accidentally poured onto the penis. So, guys, if you like to cook, do not do it in your boxers.

3) Low Testosterone or Growth Hormone - Low levels of testosterone while the male is still in the fetal stages can result in a smaller penis. In fact, it is one of the causes of micro-penis. When puberty rolls around, the same effect can happen if low-testosterone levels are present.

4) Hormones - Exposure to the wrong hormones can also greatly impact the size of a man's penis. Such hormones can impede its growth (if the child is exposed) and can also make the penis grow smaller in an adult man, if he is exposed.

5) Smoking - Smoking destroys the fine capillary-bulb networks in your body, especially in your distal extremities and your penis. If you smoke, it's wise to stop, as it will have an effect on your penis size and your ability to create and maintain anection.

6) Genetics - Your DNA is the template for the size of your penis. If your genetic code dictates a bit smaller penis, then it's your genes that may be the culprit.

7) Fetal Exposure to Chemicals - Many pesticides, chemicals, pollutants, and even poor diet can impede proper penis size. Especially if the mother is exposed to such chemicals while she is carrying the male fetus. Infants exposed to certain chemicals can also alter normal penis growth.

8) Radiation Exposure - Some scientists believe that exposure to excessive amounts of radiation, in the penile region of the male child or infant, can hamper penis growth. In the adult male, excessive radiation exposure can make the penis shrink in size and impede its function, too.

9) Penile Trauma - Penis fracturing and penile valve prolapse can be causes of a decrease in penis size and function.

10) The Angry Wife or Girlfriend - Most people have heard the tale of John and Lorena Bobbitt. To provide a short recap, she cut his penis in half with a knife. It was surgically reattached but his penile size was reduced from the trauma.

So, men, take care of your penis to ensure that you do not lose any "inches." Of course, also take steps to ensure that no one else does it for you.

Georg von Neumann

How to Find Dental Insurance Online - Save Money on Dental Discount Plan

When we hear the words Dental Insurance, they sound like a really great idea. But before you sign on the dotted line for any plan you must be aware of all the different coverages and what they offer. Many companies offer varying plans with many different types of coverage. Be aware that all plans do not offer comprehensive coverage for all kinds of procedures.

Some companies may limit the amount of visits per year, some may restrict the dentist you can use, while others may dictate the type of treatment allowed for a specific condition. In this article I will give you some tips for finding online dental insurance that will be the best for you and your family.

First, go to your favorite search engine and search for dental insurance. After you have come up with some names read through the coverage provided by the specific companies that are most attractive to you.

Secondly, now that you have the companies that appeal to you the most write down the services they cover and even more important write down the services they do not cover. After you have made these lists check off what is most important to you and your family.

Third, after you have decided on the necessary coverage for you and your family it is now time to compare promotions. Remember the cheapest premium may not always be the best. So you must weigh the options and decide what is most necessary for you and your family.

Lastly, answer the questions fill in the blanks, compare and then after careful thought which will be the best plan for your family.

How to Get a High Investment Yield With Low Risk

Many investors today are looking at high investment yield bonds as a way to diversify their portfolio and keep their money relatively safe. High-yield bonds can be purchased by investors through individual issues or through high yielding mutual funds that specialize in corporate issues. The key behind higher yielding investment instruments is determining the difference between what is considered a 'junk bond' and what is considered a safe account. Safer bonds generally act like traditional savings accounts and many times are easy to locate even for the novice investor.

It is important to understand that many companies who issue bonds are large and well known and have fallen into junk status many times through their history. General Motors and Ford are well-known companies that have had this uncharacteristic event happen, but investors see it as a buying opportunity. Typically, companies such as these recover from an economic downturn and are able to begin paying high interest rates on individual issues of preferred stock, which has a positive impact on any corporate bond that was issued.

Municipal bonds are a great way to generate a tax free income which can produce higher yields than a traditional savings account. An investor can purchase them through short-term issues, which are referred to as notes and mature and pay interest in one year. The appeal of the municipal variety is the tax-free status the investor receives on any capital gains made on the instrument. The yield on a year-over-year basis almost always outforms a traditional bank savings account. Understand how these notes work and begin by looking for cities and counties that are issuing them to the general public.

Trying to obtain a high investment yield does carry with it a significant amount of risk. It can be a dangerous game if the investor is uneducated and uninformed. Because they are known as below investment grade, many professionals have a general tendency to stay away from them. On the plus side, they have generally been known to produce better returns than traditional ports. In any scenario, education and understanding of the markets is needed to continue produce positive returns.