A Brief History of Economic Recession in the USA

With today's economic turmoil many people are probably wondering when this recession is going end, what caused it to happen and is it going to reoccur. In this article I will give a brief history of recession in the U.S.A. what caused it to happen and some of the after effects.  I never would have thought in my wildest dreams that there has been almost one recession every decade since the late 1700's, having said that lets get started with the panic of 1797.

1797-1800

o    Caused by deflating effects of the Bank Of England

o    Considered first U.S. recession

o    Disrupted commercial real estate markets

1837-1843

o    Attributed to failing banks

o    Banks stopped paying in Gold and Silver

o    People had no confidence in paper currency

1893-1896

o    Brought on by the failure of " The Reading Railroad Company"

o    Once again European investors with draw and leave U.S financial systems in a mess

o    Stock markets and banks collapse

1918-1921 (Also Known as the Post War Recession)

o    Hyperinflation in Europe had spread to the U.S causing a recession

o    Lost production that was halted due to the end of the war

o    There was a huge influx of labour as Troops returned home, the skyrocketing unemployment

1929-1938 (The Great Depression)

or The Case of the "Great Depression" is a matter of great debate among economists

OR Here are a couple of a depreciation in asset prices and commodity prices, dramatic drops in demand and credit, and disruption of trade

or 30 million Americans with no income what so ever, WW II, similar effects

1973-1975 (oil crisis of the1970's)

o    Oil prices were quadrupled by OPEC along with government spending on the Vietnam War

o    OPEC stopped exporting oil to the U.S. and other western nations to punish them for supporting Israel

o    Gas went from 25 cents to over a dollar in just a few  short months

1987-1989 (Black Monday)

o    Stock markets around the world crash

o    Dow Jones looses 22.61% in one day

o    Debate of the fallout continues many years later with no definite resolve

March2001 - Nov2001

o    Terrorist attacks on the "World Trade Centre"

o    Collapse of the dot.com bubble

o    This is still affecting the U.S today

2007 - Present Day

o    Caused by reckless and unsustainable lending practices

o    First time since the 1930's that any major The banks fail

o Some people say that this is the worst recession since World War II

Although the causes of the recession, very powerful, as you can see there are new economic phenomena, happen again and again throughout history. Depending on what the cause was at that time could know anywhere from a few months to several years, only that it happened, happens and will happen again in the future.

Credit Crunch USA

An emerging concern in the scenario of the U.S. economy today is the problem of the credit crisis. Credit crunch is a term used to refer to the time when credit became difficult to obtain. What this means in essence that if the majority of the loan applications were approved only half or fewer credit applications will be approved during this period. Currently, the U.S. economy, the markets are in a period of tight credit. This canbecause of inflation and recession and global markets.

In such a state of the credit crisis, the status of the borrower as bad as the banks are reluctant to lend for fear of failure or default. This distrust of bankers and lending institutions leads to increased interest rates so that the acquisition of loans more expensive and therefore more complicated. The credit crisis in the United States has the greatest impact on the housing sector, where loans are generallyapplied for a huge sum caused by the high rates of the real estate market. First time buyers and applicants for jumbo loans find it extremely difficult to provide a stable credit history which is required for the high interest rates.

Moreover during such a period of credit crunch, banks stress on a down payment prior to the issue of loans and this makes it even more difficult for applying loans. While hot shot real estate markets of New York and San Francisco are the most affected by this credit crunch with mortgage loans being hard to acquire, places like Sioux Falls are virtually unperturbed by this phase because of the slow growth in the real estate market. This goes on to show that the location of the properties also play an important role in the acquisition of loans.

As a result of such a crunch period, consumers are relying more on their credit cards to help them acquire these loans. This in turn forces the credit card companies to keep constant vigil on the credit card's activities. With such a situation, the credit limits of the credit card holders tend to go down causing their credit balance to dwindle drastically. Collection agencies are profited by such scenarios and their way of dealing with it is shocking beyond belief. To avoid all this, the credit crunch must be handled effectively by understanding the nuances of the economy and adjusting accordingly.

USA Dropshippers - How To Select The Best Dropshippers In The United States

Whether you are selling items on eBay or you have an online store, you will need products to sell. Using a drop shipper is an excellent choice for beginners as well as seasoned professionals. If you are concerned about the reliability of foreign dropshippers then you might want to focus on USA dropshippers and wholesale companies. This article will help you find the best dropshippers in the USA.

You can search the internet for dropshipping companies in the United States but it will be difficult to weed through all of the search results. You might be better off searching for dropshipping forums or drop shipping lists. I found most of the companies I deal with on a day to day basis from visiting eBay selling forums and online communities. These communities will usually help you understand which companies are reputable and which are not.

When searching for a drop shipper you will want to make sure that the company you select has a live customer support team. There is nothing more frustrating than sending emails back and forth trying to get answers to your problems. You need a company who is able to respond to questions, fast.

Make sure your drop shipper doesn't run out of products often. I have used companies that say they have product in stock but when I went to order the product they were out. This is a big problem and will cause you to lose customers and give you a poor reputation on the internet.

Select your dropshipping company wisely and make sure you check their reputation before doing business with them.

Current USA High School Girls Track and Field Records Through July 2009 - Part 2

Here are the current USA High School Girls Track and Field Records through July 2009. This list gives every high school runner, jumper and thrower an idea of what it takes to become a world-class athlete at the prep level.

Some of these record-holders have just completed their senior season and are likely headed for college competition somewhere. They include middle distance runner Jordan Hasay, steeplechaser Shelby Greany, high jumper Toni Young, and discus thrower Anna Jelmini.

The list of names from the past and their performances is amazing, and they have become household names in the track and field community worldwide. They include Allyson Felix, Sanya Richards, Kim Gallagher, Polly Plumer, and more recently Christine Babcock.

USA High School Girls Track & Field Records

100 - 11.11 in 1998 by Angela Williams of Chino (CA) High School.

200 - 22.51 in 2003 by Allyson Felix of Los Angeles Baptist HS in North Hills (CA). Felix also had a 22.11 at altitude in Mexico City, Mexico.

400 - 50.69 in 2002 by Sanya Richards of St. Aquinas HS in Ft. Lauderdale (FL).

800 - 2:00.07 in 1982 by Kim Gallagher of Upper Dublin HS in Ft. Washington (PA).

1,500 - 4:14.50 in 2008 by Jordan Hasay of Mission HS in San Luis Obispo (CA).

Mile - 4:35.24 in 1982 by Polly Plumer of University HS in Irvine (CA).

3,000 Steeplechase - 10:15.26 in 2006 by Mel Lawrence of Reno (NV) HS.

3,000 - 9:08.60 in 1975 by Lynn Bjorklund of Los Alamos (NM) HS.

2 Miles - 10:01.08 in 2002 by Molly Huddle of Norte Dame HS in Elmira (NY).

5,000 - 15:52.88 in 2004 by Caitlin Chock of Granite Bay (CA) HS.

10,000 - 32:52.5 in 1979 by Mary Shea of Cardinal Gibbons HS in Raleigh (NC).

100 Hurdles - 12.95 in 1979 by Candy Young of Beaver Falls (PA) HS.

300 Hurdles - 39.98 in 2001 by Lashinda Demus of Wilson HS in Long Beach (CA).

400 Hurdles - 55.20 in 1984 by Leslie Maxie of Mills HS in Millbrae (CA).

4x100 Relay - 44.50 in 2004 by Shana Solomon, Jasmine Lee, Chanda Picott and Shalonda Solomon of Poly HS in Long Beach (CA).

4x200 Relay - 1:33.87 in 2004 by Shana Solomon 24.2, Jasmine Lee 23.3, Shana Woods 23.4 and Shalonda Solomon 23.0 of Poly HS in Long Beach (CA).

4x400 Relay - 3:35.49 in 2004 by Shana Woods 55.7, DeShanta Harris 55.6, Jasmine Lee 52.6 and Shalonda Solomon 51.6 of Poly HS in Long Beach (CA).

4x800 Relay - 8:43.12 in 2008 by Dominique Lockhart 2:13.0, Amirah Johnson 2:08.6, Brittany Ogunomokun 2:11.9 and Tasha Stanley 2:09.6 of Roosevelt HS in Greenbelt (MD).

4x1,500 Relay - 18:52.5 in 1982 by Laura Sauerwein 4:48.7, Polly Plumer 4:28.1, Judy McLaughlin 4:55.7 and Terea Barrios 4:40.5 of University HS in Irvine (CA).

4xMile Relay - 19:56.75 in 2006 by Christy Goldman 5:08.7, Shelby Greany 5:01.8, Caroline Heidt 4:52.3 and Kara McKenna 4:53.9 of Suffern (NY) HS.

800 Medley - 1:38.73 in 2003 by Shana Solomon, Dominique Dorsey, Jasmine Lee and Shalonda Solomon 51.4 of Poly HS in Long Beach (CA).

Sprint Medley - 3:51.90 in 2007 by Afia Charles, Doris Anyanwu, Takecia Jameson and Marika Walker 2:06.7 of Roosevelt HS in Greenbelt (MD).

Distance Medley - 11:31.81 in 2008 by Tori Pennings 3:33.2, Kristen Jados 57.3, Claire Pettit 2:11.3 and Lillian Greibesland 4:50.0 of Warwick Valley HS in Warwick (NY).

4x100 Hurdles - 57.49 in 2003 by Gayle Hunter, Dominique Manning, Lili Calhoun and Ashlee Brown of North HS in Riverside (CA).

High Jump - 6-04 in 2009 by Tori Young of Del City (OK) HS, and in 1993 by Amy Acuff of Calallen HS in Corpus Christi (TX).

Pole Vault - 14-01.25 in 2007 by Tori Anthony of Castilleja HS in Palo Alto (CA). Anthony also had an indoor vault of 14-02.50 in 2007.

Long Jump - 22-03 in 1976 by Kathy McMillan of Hoke County HS in Raeford (NC).

Triple Jump - 44-11.75 in 2004 by Brittany Daniels of West HS in Tracy (CA).

Shot Put - 54-10.75 in 2003 by Michelle Carter of Red Oak (TX) HS.

Discus - 190-03 in 2009 by Anna Jelmini of Shafter (CA) HS.

Hammer - 201-07 in 1998 by Maureen Griffin of Pocatello (ID) HS.

Javelin - 176-05 in 2005 by Rachel Yurkovich of Newberg (OR) HS.

Heptathlon - 5,533 in 2006 by Shana Woods of Poly HS in Long Beach (CA).

Marathon - 2:34.24 in 1984 by Cathy Schiro of Dover (NH) HS.

(Editor's Note: This is Part 2 of a 2-Part Series.)

Copyright © 2009 Ed Bagley

USA Labor Laws for Immigrants

Hiring non-citizens at your place of business can be tricky. Some employers look for alien or immigrant employees to hire, thinking these workers will work more cheaply than U.S. citizens. Other bosses employ migrants in positions that are dangerous, without providing adequate protection or training. There are even some companies that overwork immigrant employees, especially those that don't speak English very well, taking advantage of the people who depend on these companies to survive.

The truth is that employers must treat immigrants the same way they treat U.S. citizens. The Migrant and Seasonal Agricultural Worker Protection Act (MSPA) was enacted to protect migrant and seasonal farm workers, agricultural employees, and migrant housing suppliers. But certain types of labor contractors and employees are exempt under limited circumstances. Employees are entitled to receive the terms and conditions of their jobs written in their own language.

Employers are required to keep written payroll records for migrant workers for three years or more, with copies going to each non-native worker. For agricultural jobs, employers must certify that housing provided to seasonal workers meets federal standards. Vehicles used to transport migrant workers also must be safe for transportation use.

If you are thinking about hiring migrant workers to help at your farm or agricultural business, here are some points to consider:

1. Is the migrant a U.S. citizen? Does he or she have a green card? Is the person an illegal alien? Keep in mind that any worker without proper paperwork proving that he or she belongs in this country could be deported, if caught.

2. Are you willing to extend financial support via employment to migrant workers who are employed by your company? Without evidence of long-term or ongoing employment, some aliens may be asked to leave the country.

3. Does the migrant worker have a family? If so, can you provide adequate housing, sanitation, and educational access to family members? You also may want to consider some type of insurance or health benefits in case someone gets sick or the wife has a baby.

4. Can you help migrant employees become acclimated to your community? This might involve introducing them to other immigrants from their native land, guiding them to English classes at a local high school or cultural institute, and taking them on a tour of local facilities like banks, schools, and stores.

5. Have you done a background check on your migrant employees? You may not want to hire someone with a criminal past unless you feel the person has turned over a new leaf.

6. Don't forget to consider transportation issues. Unless your migrant workers have a driver's license and a car of their own, they may depend wholly on public transportation or you to get them to doctor appointments, shopping areas, and business needs.

Contact the federal Department of Labor to learn more about compliance regulations. In some cases, the government provides help to employers and employees. Although there may be cultural, economic, and social advantages to hiring migrant workers in your company, remember to put the employee's well being ahead of everything else when making your hiring decisions.

How to Make Money at Home Ameriplan USA

Ameriplan USA is a company with a mission to provide high quality and affordable medical, dental, prescription drugs, vision and chiropractic care to the average American family.  With insurance issues facing our nation, we often find ourselves looking for an affordable option to keep our families protected. 

Ameriplan has a network of 30,000 plus dental providers, 7500 plus chiropractic providers, 60,000 plus medical providers and the member base now exceeds one million.  The company was founded in 1992 by Dennis and Daniel Bloom when they saw a need for value based discounted fee for service dental program. 

Ameriplan has grown using a sales force of independent business owners.  The company has a home business opportunity for people to create a business for themselves from home.  Ameriplan is in network marketing industry and is driven be people recruiting friends and family as well as introducing the products to people.  If you are looking to be in business for yourself you can join this company and apply the business building techniques to increase your network of distributors.

You are promoted through the different levels of compensation as you recruit and enroll other reps into the Ameriplan business.  As you do this you will qualify for different commissions based on the volume of sales that is created in your team. 

Ameriplan can be a company that helps you create success.  The challenge in our uncertain times regarding our health care system, this opportunity may have an uncertain future.  If you are comfortable with selling to your friends and recruiting this may be right for you.  If not, keep looking for a business that is online that will teach you how to attract people to you.

Fire Pit Fire Ring Made in USA

New fire rings bring the fireplace to heat your backyard. outdoor cooking over an open fire brings the whole family. There's something about a bonfire, get together to encourage all of us and get in the kitchen, the food in question.

The grid control is placed on a pyre, the ring of fire. Control of heat increasing and decreasing the baking pan or slide it on both sides for the perfect meal. Your friends are amazed when they cook or to getWatch your meal prepared. An optional base interior courtyard, you can activate the fire pit in a patio fireplace. If you plan to ditch the court, in a cover you should use a pad to protect the heath wood heat, is used.

The ring of fire is a portable, four plates are bolted with stainless steel screws for easy installation. The fire rings are heavy 1 / 8 "thick steel plate with laser cut designs on each of the four panels. A warm glowing light up the laser cut-out for arelaxing fun evening.

Themed campfire rings the Americana features the Liberty Bell, the American Flag, the Statue of Liberty and a bald eagle. A southwest themed fire ring with four scenic designs of mountains with a cactus, howling wolf, cowboy leaning on a fence, and man sleeping in a Southwestern town. The Northwoods design with laser cut scenic backgrounds of buck and doe, moose, bear and doe.

Spend a relaxing evening with your friends and family around a campfire telling Stories popping corn or making smores. Fireplaces