Get The Best Insurance Coverage With A Car Insurance Comparison

With the wide array of car insurance policies available on the market, it is sensible to go for an accurate car insurance comparison in order to find the best deal with the lowest premiums. In a country like the U.K., it is an offense to drive a car that is not insured to satisfy the Road Traffic Act. Thus, buying the right insurance policy is a must for every car owner. By comparing different policies offered by insurance companies, it is easy to find a policy that gives the right coverage and meets the specific needs of a particular brand of car at a reasonable price.

Types of Car Insurance

The most important criteria for a good car insurance policy is to cover all the needs based on a particular car, as well as the people who will drive the car. With a wide range of policies available on the market, it requires a lot of research to find a suitable policy that not only covers all the basic needs but at the same time will also not cost much.

A Few Of The Typical Insurance Policies Are:

* Third-party car insurance

* Third-party fire and theft insurance

* Full comprehensive car insurance

* Short-term car insurance

* Pay-as-you-drive insurance policy

* Young driver insurance

* Imported car insurance

The choice of the right policy depends on the value of the car, the owner’s driving history, and any other people who will be using the car. Buying the right policy is critical as it will not only affect the cost of the insurance policy but also the protection the owner will have in case of accidents or other misfortunes.

How to Compare Car Insurance

To compare car insurance policies, it is important to have accurate quotes from insurance providers with detailed information about the coverage they offer. Websites are the best source of information not only for car insurance quotes but also for:

* Car insurance comparison

* Car auctions

* Cash in return for junk cars

* Cars for sale

* Automotive cars

A policy that comes at a low rate but that does not give comprehensive insurance coverage is not a good deal as the policy rate is not the only requirement for getting the best deal in an insurance policy. Buying a car insurance policy is a complex procedure as there are variety of things involved, like the price, the coverage, the maximum amount involved in the coverage, and many other factors. This can make it quite tough for a car owner to choose the right policy. Car insurance comparison websites provide invaluable guidance with a wide range of choices from which to select a policy. By comparing all the high-profile insurance providers, the website helps to easily get the policy with the best coverage possible at the lowest rates from qualified companies without investing much time or effort. Many websites provide forms to be filled in with details in order to help consumers get accurate car insurance information.

Comparing quotes on car insurance gives enough car insurance information to pick the policy that comes with the best deal at the least expensive premium. Car insurance comparison websites offer a variety of solutions designed to meet every specific need of a car owner; hence, it is essential to visit a reliable website and get an accurate analysis of car insurance by comparing the different quotes available before buying a car insurance policy.

Find the best customized policy at a reasonable price with an accurate car insurance comparison . Visit www.carinsurancecomparison.co.uk for all types of insurance quotes with a wide range of customized policies and accurate car insurance information.

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A First Time Buyers Guide to Texas Car Insurance | Texas Auto Insurance Guide

Purchasing Texas car insurance for the first time can be overwhelming. There are countless independent agents to choose from in addition to over 40 major national brands in the market today. With this extensive selection it can be difficult to differentiate one company’s offerings from another.

Each car insurance company has a unique offering, but not every company can save you the most money. The best way to choose between companies is to know which factors will have the most influence over your Texas car insurance rate.

Here are some important facts and tips to consider when purchasing Texas car insurance for the first time:

Shop around for the best value – Although companies will put pressure on you to purchase their policies right away after getting a quote, compare at least four companies before choosing the best option. A great way to compare companies is by going through a brokerage agency that offers multiple insurance quotes at once or finding an independent insurance agent that can offer you a quote from multiple companies. Companies that offer quotes online are also very useful when trying to get several quotes quickly.

Purchase More Coverage than the State Minimum- The state sets a minimum coverage level requirement, but it is rarely enough to fully cover a major accident. Purchasing only the state minimum can cost you much more in the long run, than paying a few more dollars per month to get comprehensive coverage. For example, if your policy doesn’t cover car repairs for your vehicle or a vehicle that you cause damage to in an accident you could end up having to pay much more out of pocket for these expenses than you would have paid in monthly insurance payments.

Weigh Your Deductible Options – It is extremely important to look at the deductible, better known as the out of pocket amount that you will have to pay upfront to your insurance company, in case of an accident. One company may give you a lower rate than another, but the high deductable might cost you much more in the end.

For example, if the car insurance policy you choose costs $ 35 per month but the deductable if you have an accident is $ 1000 and you have one accident that year, the yearly cost for your insurance plus the accident would be $ 1,420. That breaks down to $ 1000 for the deductable for the accident, and $ 420 for your yearly insurance policy.

If another company offers you a policy for $ 50 per month with a $ 500 deductible and you had one accident that year, your yearly total would be $ 1,100 or $ 500 for the deductable for the accident and $ 600 for your yearly insurance policy. This is a good example of how a lower monthly payment doesn’t necessarily mean more savings overall.

Know What Each Policy Covers – Check the limits for comprehensive/collision coverage, personal injury protection (PIP), Medical expense coverage, uninsured motorist coverage, bodily injury and property damage coverage on every policy that you get a quote from. These will be outlined on your policy summary. As mentioned before, just because you are getting the lowest rate each month, that doesn’t mean you’re really getting the best deal. It is important to consider each scenario that you would have to pay for in case of an accident.

Al Boenker Insurance is a great resource when purchasing Texas car insurance for the first time. Al Boenker Insurance will compare the rates of over 127 different Texas auto insurance companies to get you the lowest rate available and save you time and money.

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Cheap Online Car Insurance Made Easy

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You can save a lot of time by buying the cheap online car insurance, you need not approach the companies in person and waste your time. There are few necessities that you must have in order to get the cheapest deal. Correct calculation on the amount of coverage must be done prior to insurance shopping.

You get various options to compare when you prefer online shopping. There are lots of aspects that are generally ignored by the shoppers. A good research on the internet is required if you want to know all about the car insurance. Most people prefer the cheapest deal thinking that they will get enough coverage. In most of the cases cheap insurances fail.

You must look out for the amount of coverage you are getting. For the latest car models, the standard range of insurance cannot serve and it fails to provide you enough coverage. It also depends on the rate of the automobile you are having. If your expensive car gets damaged in a car accident, and it is expensive one then the cheap car insurance is not sufficient.

Since the insurance coverage is not sufficient it may force you to pay more than the actual insurance claim. Car insurance rate also depends on the kind of driving. If there are frequent penalties, you may get an expensive deal. Hence you must make your individual choice rather than following your friend.

Another factor that is likely to raise the rate of your automobile insurance is having a teenager who is likely to drive your car. Yes, this is the main reason to get more penalties on your record. Teenagers are the beginners, and they are prone to rough driving, resulting in accidents. If you are in the metropolitan city where accidents are very common, it is recommended that you purchase additional insurances.

However, you should also notice that, if there is any unclaimed insurance for a reasonable period, your cheap online insurance can be more beneficial for you. Getting several free quotes and comparing them is the best way to get the most reliable and affordable car insurance. The company offers free cheap online car insurance quote for your convenience.

Keeping an update on the fluctuating rates is one of the finest ways to know the market rates. Your existing cheap car insurance may observe hike in rates considering the current market rates; it may result in high premium. There are few companies that keep offering the discounts and this is the real strategy to attract the customers. Check out for the available discounts to benefit more from your insurance and the discounts.

Companies keep offering various schemes to their existing customers. They are planned for you to save more amount than before. Once you research and compare the accessible insurance policies, try to calculate your required amount and shop consequently. Choosing the most suitable one for your situation and your budget is recommended. Always make sure to get as many quotes as you can before purchasing the car insurance. It is not necessary that you should purchase the deal after taking the free quote. A free quotation is offered without any obligation. To know more about the discounts offered, visit: http://www.insurancebuffs.com

Learn more about cheap online car insurance. Stop by James R. Patel’s site where you can find out all about cheap online car insurance quote and what it can do for you.

How to get cheap car insurance for young drivers

Easy tips : how to get cheap car insurance for young drivers.

Getting the best cheap car insurance for young drivers can feel like an impossible task, but there’s plenty you can do to help keep costs down. From picking the right car to increasing your excess, our tips go back to basics so that you can consider a wide range of insurers, not just those that offer telematics or pay-as-you drive insurance.

Read our nine top tips to help you find cheapest car insurance for young drivers.

Read more at : http://www.uswitch.com/car-insurance/9-ways-to-get-cheaper-car-insurance-for-young-drivers/
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Car Insurance: Are You Leaving Money On The Table?

Listen: with the economy the way it is, with gas prices going up, with taxes going up, it is more important than ever to find ways to save money. One place that you can save a lot of money is on your auto insurance.

But you know what’s interesting? No matter how many commercials we see from companies like Geico and Progressive telling you to shop around and get the best rate, no matter how many of those commercials we see, 90% of the people never shop.

Make sure that you’re not one of those people. You work long hours and you don’t want to throw away money on the table that you could save on your auto insurance. You can save lots of money — hundreds and maybe thousands of dollars a year — just by making a few phone calls and shopping around.

Now, the Insurance Research Council says that if you shop around, you can save nearly $ 900 a year on your auto insurance. Think of all the things you could buy for $ 900 a year.

Where should you start? Well, call your insurance company and asked them if you qualify for any of the different discounts that they offer. I’ll bet you you don’t even know all the different discounts you could get. Of course there are auto insurance discounts for things like having a good driving record, but did you know that if you’re a student and you have good grades, you can even get a discount for that? Now, it may only amount to 2-5%, which doesn’t sound like a lot. But think about how much you are paying for auto insurance. Suddenly, a couple of percent here and there does add up.

The biggest discount comes if you’ve got a good, accident free driving record. That alone can be worth up to 20% in discounts per year in savings. But as soon as you get a single ticket — there go the discounts. So be careful.

And speaking of tickets, make sure you know how many points you have on your license. If you don’t remember, call the Department of Motor Vehicles and have them look up your record. And if you have more than 3-4 points, you might qualify for a discount simply by taking a safety class. Now many car insurance companies will sponsor classes to promote safe driving and sometimes you can take those classes and reduce your insurance costs. We’re not talking about a lot of your time — maybe one day or four or five hours over several days. Most of the classes cost a little bit of money but not too much — maybe $ 20-$ 50. But that’s a small price to pay in order to get a substantial discount on your car insurance.

Of course it should go without saying that you need to shop around every couple of years. Look around, compare prices. Even though you believe your current auto insurance company is the best one, things change.

Your rates also depend on where you live. If you’ve moved or if you’re planning to move, shop around for auto insurance. Your car insurance company might offer a completely different rate for the city you’re about to move to.

So that’s the reality on saving money for your car insurance. Shop around and compare prices. And of course, drive safely. It really pays.

For more info on Auto Insurance, visit Ara Rubyan’s Auto Insurance Money Saver.

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Simple Steps To Car Insurance Comparison

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Car insurance comparison acts as a simple way to get your preferred insurance plan. However the ignorance of people about the right way of car insurance comparison prevents them from getting an appropriate car insurance plan.

Further you will learn the simple steps to approach the right insurer by effective car insurance comparison.

High premium rates should not be your 1st concern
One may get elusive about so many car insurance plans out there in the market. The elusiveness is about not able to understand which plan is the best as per his/her needs. Hence, the best way to figure out the same is car insurance comparison. Mostly, people go for car insurance comparison when they find their current premium rates shoot high.

Most of the insurance companies change their premium rates prior to certain time period. Hence, it becomes a logical step for anybody to do car insurance comparison online and find out the insurer who is providing maximum coverage at lowest premiums.

Present insurance documents must be kept handy
While comparison, you might need to fill in the details pertaining to your current insurance. Therefore, it is a wise step to have your current insurance documents if any close by you. Otherwise, their absence can lead you to quote with completely intangible coverage options.
Benefit of quoting state minimum liability

Quoting state minimum liability can get you insurance at cheaper rate. However, it is possible only when one has a high liability and full coverage plan.
Be careful while you rate your drivers
One needs to ensure that he/she rates all the drivers of the vehicle based on each person’s driving record. Ignoring, leaving one & adding another can skew the results.

Get maximum coverage for all possible liabilities
Choosing a coverage plan with lower liability exposes you to much bigger expense risks than what you would save. Always go for a higher liability coverage which will save you against paying for someone else’s lawsuit. The lawsuit can relate to injuries, wage loss and pain which can be unduly high. However, when you have higher liability coverage, your insurer will take care of these costs.
Remember to alter the specifications

With time there can be many things or specifications you would want to alter after a period of time. The changes are not inevitable. However, there may come appoint where the changes are necessary. The change can be one or changes can be multiple.
For example, you might want to incorporate certain changes which refer to the driver names after a period of time.

Whatever change you want to make, you should make it first on your current policy.
High switching costs
Ensure that you avoid high switching costs. These costs relate to the cost when you move over from your current policy to another only to find that the original policy was cheaper.
Therefore, car insurance comparison if done rightly remembering the above steps in mind will get you the best insurance you need.

Karan Chaudary, is a professional writer who specializes in Insurance and is an ongoing contributing writer to numerous online web sites. Car insurance comparison

Banker checking out the new American currency: the Amero.
compare car insurance rate
Image by eyewashdesign: A. Golden
New Yorkers Protest the US0 BILLION (US TRILLION) Wall Street BAILOUT: Wall Street, NYC – September 25, 2008.

This is actually a GOOD guy. See: billionairesforbush.com/index.php for more information.

VOTE YOUR CONSCIENCE on 04 NOVEMBER 2008!

Photographer: a. golden, eyewash design – c. 2008.

Friends,

The richest 400 Americans — that’s right, just four-hundred people — own MORE than the bottom 150 million Americans COMBINED! 400 of the wealthiest Americans have got more stashed away than half the entire country! Their combined net worth is .6 trillion. During the eight years of the Bush Administration, their wealth has increased by nearly 0 billion — the same amount that they were demanding We give to them for the "bailout." Why don’t they just spend the money they made under Bush to bail themselves out? They’d still have nearly a trillion dollars left over to spread amongst themselves!

Of course, they are not going to do that — at least not voluntarily. George W. Bush was handed a 7 billion surplus when Bill Clinton left office. Because that money was OUR money and not HIS, he did what the rich prefer to do — spend it and never look back. Now we have a .5 trillion debt that will take seven generations from which to recover. Why — on –earth – did — our — "representatives" — give — these — robber — barons — $US850 BILLION — of – OUR — money?

Last week, proposed my own bailout plan. My suggestions, listed below, were predicated on the singular and simple belief that the rich must pull themselves up by their own platinum bootstraps. Sorry, fellows, but you drilled it into our heads one too many times: THERE…IS…NO…FREE… LUNCH ~ PERIOD! And thank you for encouraging us to hate people on welfare! So, there should have been NO HANDOUTS FROM US TO YOU! Last Friday, after voting AGAINST this BAILOUT, in an unprecedented turn of events, the House FLIP-FLOPPED their "No" Vote & said "Yes", in a rush version of a "bailout" bill vote. IN SPITE OF THE PEOPLE’S OVERWHELMING DISAPPROVAL OF THIS BAILOUT BILL… IN SPITE OF MILLIONS OF CALLS FROM THE PEOPLE CRASHING WASHINGTON "representatives’" PHONE LINES…IN SPITE OF CRASHING OUR POLITICIAN’S WEBSITES…IN SPITE OF HUNDREDS OF THOUSANDS OF PEOPLE PROTESTING AROUND THE COUNTRY… THEY VOTED FOR THIS BAILOUT! The People first succeeded on Monday with the House, but failed do it with the Senate and then THE HOUSE TURNED ON US TOO!

It is clear, though, we cannot simply continue protesting without proposing exactly what it is we think THESE IDIOTS should/’ve do/one. So, after consulting with a number of people smarter than Phil Gramm, here’s the proposal, now known as "Mike’s Rescue Plan." (From Michael Moore’s Bailout Plan) It has 10 simple, straightforward points. They are that you DIDN’T, BUT SHOULD’VE:

1. APPOINTED A SPECIAL PROSECUTOR TO CRIMINALLY INDICT ANYONE ON WALL STREET WHO KNOWINGLY CONTRIBUTED TO THIS COLLAPSE. Before any new money was expended, Congress should have committed, by resolution, to CRIMINALLY PROSECUTE ANYONE who had ANYTHING to do with the attempted SACKING OF OUR ECONOMY. This means that anyone who committed insider trading, securities fraud or any action that helped bring about this collapse should have and MUST GO TO JAIL! This Congress SHOULD HAVE called for a Special Prosecutor who would vigorously go after everyone who created the mess, and anyone else who attempts to scam the public in future. (I like Elliot Spitzer ~ so, he played a little hanky-panky…Wall Street hates him & this is a GOOD thing.)

2. THE RICH SHOULD HAVE PAID FOR THEIR OWN BAILOUT! They may have to live in 5 houses instead of 7. They may have to drive 9 cars instead of 13. The chef for their mini-terriers may have to be reassigned. But there is no way in hell, after forcing family incomes to go down more than ,000 dollars during the Bush years, that working people and the middle class should have to fork over one dime to underwrite the next yacht purchase.

If they truly needed the 0 billion they say they needed, well, here is an easy way they could have raised it:

a) Every couple makeing over a million dollars a year and every single taxpayer who makes over 0,000 a year should pay a 10% surcharge tax for five years. (It’s the Senator Sanders plan. He’s like Colonel Sanders, only he’s out to fry the right chickens.) That means the rich would have still been paying less income tax than when Carter was president. That would have raise a total of 0 billion.

b) Like nearly every other democracy, they should have charged a 0.25% tax on every stock transaction. This would have raised more than 0 billion in a year.

c) Because every stockholder is a patriotic American, stockholders should have forgone receiving a dividend check for ONE quarter and instead this money would have gone the treasury to help pay for the bullsh*t bailout.

d) 25% of major U.S. corporations currently pay NO federal income tax. Federal corporate tax revenues currently amount to 1.7% of the GDP compared to 5% in the 1950s. If we raised the corporate income tax BACK to the levels of the 1950s, this would give us an extra 0 billion.

All of this combined should have been enough to end the calamity. The rich would have gotten to keep their mansions and their servants and our United States government ("COUNTRY FIRST!") would’ve have a little leftover to repair some roads, bridges and schools…

3. YOU SHOULD HAVE BAIL OUT THE PEOPLE LOSING THEIR HOMES, NOT THE PEOPLE WHO WILL BUILD AN EIGHTH HOME! There are 1.3 million homes in foreclosure right now. That is what is at the heart of this problem. So, instead of giving the money to the banks as a gift, they should have paid down each of these mortgages by 0,000. They should have forced the banks to renegotiate the mortgage so the homeowner could pay on its current value. To insure that this help wouldn’t go to speculators and those who tried to making money by flipping houses, the bailout should have only been for people’s primary residences. And, in return for the 0K pay-down on the existing mortgage, the government would have gotten to share in the holding of the mortgage so it could get some of its money back. Thus, the total initial cost of fixing the mortgage crisis at its roots (instead of with the greedy lenders) is 0 billion, not 0 BILLION.

And let’s set the record straight. People who have defaulted on their mortgages are not "bad risks." They are our fellow Americans, and all they wanted was what we all want: a home to call their own. But, during the Bush years, millions of the People lost the decent paying jobs they had. SIX MILLION fell into poverty! SEVEN MILLION lost their health insurance! And, every one of them saw their real wages go DOWN by ,000! Those who DARE look down on these Americans who got hit with one bad break after another should be ASHAMED.! We are a better, stronger, safer and happier society when all of our citizens can afford to live in a home they own.

4. THERE SHOULD HAVE BEEN A STIPULATION THAT IF YOUR BANK OR COMPANY GOT ANY OF OUR MONEY IN A "BAILOUT," THEN WE OWN YOU. Sorry, that’s how it’s done. If the bank gives me money so I can buy a house, the bank "owns" that house until I pay it all back — with interest. Same deal for Wall Street. Whatever money you need to stay afloat, if our government considers you a safe risk — and necessary for the good of the country — then you can get a loan, but WE SHOULD OWN YOU. If you default, we will sell you. This is how the Swedish government did it and it worked.

5. ALL REGULATIONS SHOULD HAVE BEEN BE RESTORED. THE REAGAN REVOLUTION IS DEAD! This catastrophe happened because we let the fox have the keys to the hen-house. In 1999, Phil Gramm authored a bill to remove all the regulations that governed Wall Street and our banking system. The bill passed and Clinton signed it. Here’s what Sen.Phil Gramm, McCain’s chief economic advisor, said at the bill signing:

"In the 1930s … it was believed that government was the answer. It was believed that stability and growth came from government overriding the functioning of free markets.

"We are here today to repeal [that] because we have learned that government is not the answer. We have learned that freedom and competition are the answers. We have learned that we promote economic growth and we promote stability by having competition and freedom.

"I am proud to be here because this is an important bill; it is a deregulatory bill. I believe that that is the wave of the future, and I am awfully proud to have been a part of making it a reality."

FOR THIS NOT TO REOCCUR, This BILL SHOULD HAVE BEEN REPEALED! Bill Clinton could have helped by leading the effort for the repeal of the Gramm bill and the reinstating of even tougher regulations regarding our financial institutions. And when they were done with that, they should have restored the regulations for the airlines, the inspection of our food, the oil industry, OSHA, and every other entity that affects our daily lives. All oversight provisions for any "bailout" should have had enforcement monies attached to them and criminal penalties for all offenders.

6. IF IT’S TOO BIG TO FAIL, THEN THAT MEANS IT’S TOO BIG TO EXIST! Allowing the creation of these mega-mergers and not enforcing the monopoly and anti-trust laws has allowed a number of financial institutions and corporations to become so large, the very thought of their collapse means an even bigger collapse across the entire economy. No ONE or TWO companies should EVER have this kind of power! The so-called "economic Pearl Harbor" can’t happen when you have hundreds — thousands — of institutions where people have their money. When we have a dozen auto companies, if one goes belly-up, we DON’T FACE A NATIONAL DISASTER! If we have three separately-owned daily newspapers in your town, then one media company can’t call all the shots (I know… What am I thinking?! Who reads a paper anymore? Sure glad all those mergers and buyouts left us with a STRONG and "FREE" press!). Laws Should have been enacted to prevent companies from being so large and dominant that with one slingshot to the eye, the GIANT FALLS and DIES. And no institution should be allowed to set up money schemes that NO ONE understands. If you can’t explain it in two sentences, you shouldn’t be taking anyone’s money!

7. NO EXECUTIVE SHOULD EVER BE PAID MORE THAN 40 TIMES THEIR AVERAGE EMPLOYEE, AND NO EXECUTIVE SHOULD RECEIVE ANY KIND OF "PARACHUTE" OTHER THAN THE VERY GENEROUS SALARY HE OR SHE MADE WHILE WORKING FOR THE COMPANY. In 1980, the average American CEO made 45 times what their employees made. By 2003, they were making 254 times what their workers made. After 8 years of Bush, they now make over 400 times what their average employee makes. How We have allowed this to happen at publicly held companies is beyond reason. In Britain, the average CEO makes 28 times what their average employee makes. In Japan, it’s only 17 times! The last I heard, the CEO of Toyota was living the high life in Tokyo. How does he do it on so little money? Seriously, this is an OUTRAGE! We have created the mess we’re in by letting the people at the top become bloated beyond belief with millions of dollars. THIS HAS TO STOP! Not only should no executive who receives help out of this mess profit from it, but any executive who was in charge of running his company into the ground should be FIRED before the company receives ANY help.

8. CONGRESS SHOULD HAVE STRENGTHENED THE FDIC AND MADE IT A MODEL FOR PROTECTING NOT ONLY PEOPLE’S SAVINGS, BUT ALSO THEIR PENSIONS AND THEIR HOMES. Obama was correct to propose expanding FDIC protection of people’s savings in their banks to 0,000. But, this same sort of government insurance must be given to our NEVER have to worry about whether or not the money they’ve put away for their old age will be there. This should have meant strict government oversight of companies who manage their employees’ funds — or perhaps it means the companies should have been forced to turn over those funds and their management to the government? People’s private retirement funds must also be protected, but perhaps it’s time to consider not having one’s retirement invested in the casino known as the stock market??? Our government should have a solemn duty to guarantee that no one who grows old in this country has to worry about becoming destitute.

9. EVERYBODY NEEDS TO TAKE A DEEP BREATH, CALM DOWN, AND NOT LET FEAR RULE THE DAY. Turn off your TVs! We are NOT in the Second Great Depression. The sky is NOT falling, Chicken Little! Pundits and politicians have lied to us so FAST and FURIOUS it’s hard not to be affected by all the fear mongering. Even I wrote to and repeated what I heard on the news last week, that the Dow had the biggest one day drop in its history. Well, that was true in terms of points, but its 7% drop came nowhere close to Black Monday in 1987 when the stock market in one day lost 23% of its value. In the ’80s, 3,000 banks closed, but America didn’t go out of business. These institutions have always had their ups and downs and eventually it works out. It has to, because the rich do not like their wealth being disrupted! They have a vested interest in calming things down and getting back into their Jacuzzis before they slip into their million thread-count sheets to drift off to a peaceful, Vodka tonic and Ambien-induced slumber.

As crazy as things are right now, tens of thousands of people got a car loan last week. Thousands went to the bank and got a mortgage to buy a home. Students just back to college found banks more than happy to put them into hock for the next 15 years with a student loan. I was even pre-approved for a USK personal loan. Yes, life has gone on with little-or-no-change (other than the whopping 6.1% umeployment rate, but that happened last month). Not a single person lost any of his/her monies in bank, or a treasury note, or in a CD. And, the perhaps the most amazing thing is that the American public FINALLY didn’t buy the scare campaign. The citizens didn’t blink, instead telling Congress to take that bailout and shove it. THAT was impressive. Why didn’t the population succumb to the fright-filled warnings from their president and his cronies? Well, you can only say ‘Saddam has the bomb’ so many times before the people realize you’re a lying sack of shit. After eight long years, the nation is worn out and simply can’t take it any longer. The WORLD is fed up & I don’t blame them.

10. THEY SHOULD HAVE CREATED A NATIONAL BANK, A "PEOPLE’S BANK." Since they’re really itching to print up a trillion dollars, instead of giving it to a few rich people, why don’t We give it to ourselves? Now that We own Freddie and Fannie, why not set up a People’s bank? One that can provide low-interest loans for all sorts of people who want to own a home, start a small business, go to school, come up with the cure for cancer or create the next great invention. And, now that we own AIG – the country’s largest insurance company – let’s take the next step and PROVIDE HEALTH INSURANCE FOR EVERYONE. MEDICARE FOR ALL! It will SAVE us SO MUCH MONEY in the LONG RUN (not to mention bring peace of mind to all). And, America won’t be 12th on the life expectancy list! We’ll be able to have a longer lifespan, enjoying our government-protected pension and will live to see the day when the corporate criminals who caused this much misery are let out of prison so that We can help re-acclimate them to plain old ordinary, civilian life — a life with ONE nice home and ONE gas-free car invented with help from the People’s Bank.

P.S. Call your Senators NOW !!! —> www.visi.com/juan/congress/

Since they voted against passing the extension of unemployment benefits and skipped out to "campaign" to us to be re-elected…call them and tell them you will vote for the other "guy" if they don’t get their act together!

UPDATE:

The Bailout Is A Truly Evil Disaster And Enabler Pelosi Must Go

We are hearing more and more reports of how badly the ill-advised banker’s bailout is being handled, multi-million dollar bonuses for Paulson’s old cronies at Goldman Sachs, billions going to finance the takeover of rival banks, making the "too big to fail" even bigger, and the taxpayer getting an otherwise rotten deal for their investment. We even heard a Republic senator asking how fast they could blow the money.

NONE of this could have happened without the fawning complicity of Nancy Pelosi, who infamously said it was Bush’s proposal, INSTEAD of coming forward with a robust alternative plan. Just like Bush, she believes she is immune, she believes she is unaccountable, and shame on us if we don’t do everything we can to defeat her this Tuesday, and replace her with Cindy Sheehan.

Here is Cindy’s last TV spot. Please make whatever donation you can to put this ad on the air in these critical final days.

Last Cindy TV Spot Action Page:
www.usalone.com/cindy/donations_tv2.php

There is still time for you to make a real difference. We thank all of our participants who have already donated so generously to make this campaign what it is. For those who cannot make a contribution, please consider helping with the phone banking, and there is a link for that also on the page above.

The one thing we know is that we must continue to speak out. We must continue to challenge. Surrendering is what our current so-called representatives in Congress are so prone to, NOT what we do. Ultimate victory is not only possible, it is assured if we work as hard as we can for real change, not just the rebranding of the same old boys’
network.

And we promise you, immediately after the election we will go right back to work on pure issue advocacy full time, to continue to build the base of action for the future.

Paid for by Cindy Sheehan for Congress

Donations to Cindy Sheehan for Congress are not tax-deductible

Please take action NOW, so we can win all victories that are supposed to be ours, and forward this alert as widely as possible.

If you would like to get alerts like these, you can do so at www.usalone.net/in.htm

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New Yorkers Protest the US0 BILLION (US TRILLION) Wall Street BAILOUT: Wall Street, NYC – September 25, 2008

VOTE YOUR CONSCIENCE on 04 NOVEMBER 2008!

Photographer: a. golden, eyewash design – c. 2008.

Friends,

The richest 400 Americans — that’s right, just four-hundred people — own MORE than the bottom 150 million Americans COMBINED! 400 of the wealthiest Americans have got more stashed away than half the entire country! Their combined net worth is .6 trillion. During the eight years of the Bush Administration, their wealth has increased by nearly 0 billion — the same amount that they were demanding We give to them for the "bailout." Why don’t they just spend the money they made under Bush to bail themselves out? They’d still have nearly a trillion dollars left over to spread amongst themselves!

Of course, they are not going to do that — at least not voluntarily. George W. Bush was handed a 7 billion surplus when Bill Clinton left office. Because that money was OUR money and not HIS, he did what the rich prefer to do — spend it and never look back. Now we have a .5 trillion debt that will take seven generations from which to recover. Why — on –earth – did — our — "representatives" — give — these — robber — barons — $US850 BILLION — of – OUR — money?

Last week, proposed my own bailout plan. My suggestions, listed below, were predicated on the singular and simple belief that the rich must pull themselves up by their own platinum bootstraps. Sorry, fellows, but you drilled it into our heads one too many times: THERE…IS…NO…FREE… LUNCH ~ PERIOD! And thank you for encouraging us to hate people on welfare! So, there should have been NO HANDOUTS FROM US TO YOU! Last Friday, after voting AGAINST this BAILOUT, in an unprecedented turn of events, the House FLIP-FLOPPED their "No" Vote & said "Yes", in a rush version of a "bailout" bill vote. IN SPITE OF THE PEOPLE’S OVERWHELMING DISAPPROVAL OF THIS BAILOUT BILL… IN SPITE OF MILLIONS OF CALLS FROM THE PEOPLE CRASHING WASHINGTON "representatives’" PHONE LINES…IN SPITE OF CRASHING OUR POLITICIAN’S WEBSITES…IN SPITE OF HUNDREDS OF THOUSANDS OF PEOPLE PROTESTING AROUND THE COUNTRY… THEY VOTED FOR THIS BAILOUT! The People first succeeded on Monday with the House, but failed do it with the Senate and then THE HOUSE TURNED ON US TOO!

It is clear, though, we cannot simply continue protesting without proposing exactly what it is we think THESE IDIOTS should/’ve do/one. So, after consulting with a number of people smarter than Phil Gramm, here’s the proposal, now known as "Mike’s Rescue Plan." (From Michael Moore’s Bailout Plan) It has 10 simple, straightforward points. They are that you DIDN’T, BUT SHOULD’VE:

1. APPOINTED A SPECIAL PROSECUTOR TO CRIMINALLY INDICT ANYONE ON WALL STREET WHO KNOWINGLY CONTRIBUTED TO THIS COLLAPSE. Before any new money was expended, Congress should have committed, by resolution, to CRIMINALLY PROSECUTE ANYONE who had ANYTHING to do with the attempted SACKING OF OUR ECONOMY. This means that anyone who committed insider trading, securities fraud or any action that helped bring about this collapse should have and MUST GO TO JAIL! This Congress SHOULD HAVE called for a Special Prosecutor who would vigorously go after everyone who created the mess, and anyone else who attempts to scam the public in future. (I like Elliot Spitzer ~ so, he played a little hanky-panky…Wall Street hates him & this is a GOOD thing.)

2. THE RICH SHOULD HAVE PAID FOR THEIR OWN BAILOUT! They may have to live in 5 houses instead of 7. They may have to drive 9 cars instead of 13. The chef for their mini-terriers may have to be reassigned. But there is no way in hell, after forcing family incomes to go down more than ,000 dollars during the Bush years, that working people and the middle class should have to fork over one dime to underwrite the next yacht purchase.

If they truly needed the 0 billion they say they needed, well, here is an easy way they could have raised it:

a) Every couple makeing over a million dollars a year and every single taxpayer who makes over 0,000 a year should pay a 10% surcharge tax for five years. (It’s the Senator Sanders plan. He’s like Colonel Sanders, only he’s out to fry the right chickens.) That means the rich would have still been paying less income tax than when Carter was president. That would have raise a total of 0 billion.

b) Like nearly every other democracy, they should have charged a 0.25% tax on every stock transaction. This would have raised more than 0 billion in a year.

c) Because every stockholder is a patriotic American, stockholders should have forgone receiving a dividend check for ONE quarter and instead this money would have gone the treasury to help pay for the bullsh*t bailout.

d) 25% of major U.S. corporations currently pay NO federal income tax. Federal corporate tax revenues currently amount to 1.7% of the GDP compared to 5% in the 1950s. If we raised the corporate income tax BACK to the levels of the 1950s, this would give us an extra 0 billion.

All of this combined should have been enough to end the calamity. The rich would have gotten to keep their mansions and their servants and our United States government ("COUNTRY FIRST!") would’ve have a little leftover to repair some roads, bridges and schools…

3. YOU SHOULD HAVE BAIL OUT THE PEOPLE LOSING THEIR HOMES, NOT THE PEOPLE WHO WILL BUILD AN EIGHTH HOME! There are 1.3 million homes in foreclosure right now. That is what is at the heart of this problem. So, instead of giving the money to the banks as a gift, they should have paid down each of these mortgages by 0,000. They should have forced the banks to renegotiate the mortgage so the homeowner could pay on its current value. To insure that this help wouldn’t go to speculators and those who tried to making money by flipping houses, the bailout should have only been for people’s primary residences. And, in return for the 0K pay-down on the existing mortgage, the government would have gotten to share in the holding of the mortgage so it could get some of its money back. Thus, the total initial cost of fixing the mortgage crisis at its roots (instead of with the greedy lenders) is 0 billion, not 0 BILLION.

And let’s set the record straight. People who have defaulted on their mortgages are not "bad risks." They are our fellow Americans, and all they wanted was what we all want: a home to call their own. But, during the Bush years, millions of the People lost the decent paying jobs they had. SIX MILLION fell into poverty! SEVEN MILLION lost their health insurance! And, every one of them saw their real wages go DOWN by ,000! Those who DARE look down on these Americans who got hit with one bad break after another should be ASHAMED.! We are a better, stronger, safer and happier society when all of our citizens can afford to live in a home they own.

4. THERE SHOULD HAVE BEEN A STIPULATION THAT IF YOUR BANK OR COMPANY GOT ANY OF OUR MONEY IN A "BAILOUT," THEN WE OWN YOU. Sorry, that’s how it’s done. If the bank gives me money so I can buy a house, the bank "owns" that house until I pay it all back — with interest. Same deal for Wall Street. Whatever money you need to stay afloat, if our government considers you a safe risk — and necessary for the good of the country — then you can get a loan, but WE SHOULD OWN YOU. If you default, we will sell you. This is how the Swedish government did it and it worked.

5. ALL REGULATIONS SHOULD HAVE BEEN BE RESTORED. THE REAGAN REVOLUTION IS DEAD! This catastrophe happened because we let the fox have the keys to the hen-house. In 1999, Phil Gramm authored a bill to remove all the regulations that governed Wall Street and our banking system. The bill passed and Clinton signed it. Here’s what Sen.Phil Gramm, McCain’s chief economic advisor, said at the bill signing:

"In the 1930s … it was believed that government was the answer. It was believed that stability and growth came from government overriding the functioning of free markets.

"We are here today to repeal [that] because we have learned that government is not the answer. We have learned that freedom and competition are the answers. We have learned that we promote economic growth and we promote stability by having competition and freedom.

"I am proud to be here because this is an important bill; it is a deregulatory bill. I believe that that is the wave of the future, and I am awfully proud to have been a part of making it a reality."

FOR THIS NOT TO REOCCUR, This BILL SHOULD HAVE BEEN REPEALED! Bill Clinton could have helped by leading the effort for the repeal of the Gramm bill and the reinstating of even tougher regulations regarding our financial institutions. And when they were done with that, they should have restored the regulations for the airlines, the inspection of our food, the oil industry, OSHA, and every other entity that affects our daily lives. All oversight provisions for any "bailout" should have had enforcement monies attached to them and criminal penalties for all offenders.

6. IF IT’S TOO BIG TO FAIL, THEN THAT MEANS IT’S TOO BIG TO EXIST! Allowing the creation of these mega-mergers and not enforcing the monopoly and anti-trust laws has allowed a number of financial institutions and corporations to become so large, the very thought of their collapse means an even bigger collapse across the entire economy. No ONE or TWO companies should EVER have this kind of power! The so-called "economic Pearl Harbor" can’t happen when you have hundreds — thousands — of institutions where people have their money. When we have a dozen auto companies, if one goes belly-up, we DON’T FACE A NATIONAL DISASTER! If we have three separately-owned daily newspapers in your town, then one media company can’t call all the shots (I know… What am I thinking?! Who reads a paper anymore? Sure glad all those mergers and buyouts left us with a STRONG and "FREE" press!). Laws Should have been enacted to prevent companies from being so large and dominant that with one slingshot to the eye, the GIANT FALLS and DIES. And no institution should be allowed to set up money schemes that NO ONE understands. If you can’t explain it in two sentences, you shouldn’t be taking anyone’s money!

7. NO EXECUTIVE SHOULD EVER BE PAID MORE THAN 40 TIMES THEIR AVERAGE EMPLOYEE, AND NO EXECUTIVE SHOULD RECEIVE ANY KIND OF "PARACHUTE" OTHER THAN THE VERY GENEROUS SALARY HE OR SHE MADE WHILE WORKING FOR THE COMPANY. In 1980, the average American CEO made 45 times what their employees made. By 2003, they were making 254 times what their workers made. After 8 years of Bush, they now make over 400 times what their average employee makes. How We have allowed this to happen at publicly held companies is beyond reason. In Britain, the average CEO makes 28 times what their average employee makes. In Japan, it’s only 17 times! The last I heard, the CEO of Toyota was living the high life in Tokyo. How does he do it on so little money? Seriously, this is an OUTRAGE! We have created the mess we’re in by letting the people at the top become bloated beyond belief with millions of dollars. THIS HAS TO STOP! Not only should no executive who receives help out of this mess profit from it, but any executive who was in charge of running his company into the ground should be FIRED before the company receives ANY help.

8. CONGRESS SHOULD HAVE STRENGTHENED THE FDIC AND MADE IT A MODEL FOR PROTECTING NOT ONLY PEOPLE’S SAVINGS, BUT ALSO THEIR PENSIONS AND THEIR HOMES. Obama was correct to propose expanding FDIC protection of people’s savings in their banks to 0,000. But, this same sort of government insurance must be given to our NEVER have to worry about whether or not the money they’ve put away for their old age will be there. This should have meant strict government oversight of companies who manage their employees’ funds — or perhaps it means the companies should have been forced to turn over those funds and their management to the government? People’s private retirement funds must also be protected, but perhaps it’s time to consider not having one’s retirement invested in the casino known as the stock market??? Our government should have a solemn duty to guarantee that no one who grows old in this country has to worry about becoming destitute.

9. EVERYBODY NEEDS TO TAKE A DEEP BREATH, CALM DOWN, AND NOT LET FEAR RULE THE DAY. Turn off your TVs! We are NOT in the Second Great Depression. The sky is NOT falling, Chicken Little! Pundits and politicians have lied to us so FAST and FURIOUS it’s hard not to be affected by all the fear mongering. Even I wrote to and repeated what I heard on the news last week, that the Dow had the biggest one day drop in its history. Well, that was true in terms of points, but its 7% drop came nowhere close to Black Monday in 1987 when the stock market in one day lost 23% of its value. In the ’80s, 3,000 banks closed, but America didn’t go out of business. These institutions have always had their ups and downs and eventually it works out. It has to, because the rich do not like their wealth being disrupted! They have a vested interest in calming things down and getting back into their Jacuzzis before they slip into their million thread-count sheets to drift off to a peaceful, Vodka tonic and Ambien-induced slumber.

As crazy as things are right now, tens of thousands of people got a car loan last week. Thousands went to the bank and got a mortgage to buy a home. Students just back to college found banks more than happy to put them into hock for the next 15 years with a student loan. I was even pre-approved for a USK personal loan. Yes, life has gone on with little-or-no-change (other than the whopping 6.1% umeployment rate, but that happened last month). Not a single person lost any of his/her monies in bank, or a treasury note, or in a CD. And, the perhaps the most amazing thing is that the American public FINALLY didn’t buy the scare campaign. The citizens didn’t blink, instead telling Congress to take that bailout and shove it. THAT was impressive. Why didn’t the population succumb to the fright-filled warnings from their president and his cronies? Well, you can only say ‘Saddam has the bomb’ so many times before the people realize you’re a lying sack of shit. After eight long years, the nation is worn out and simply can’t take it any longer. The WORLD is fed up & I don’t blame them.

10. THEY SHOULD HAVE CREATED A NATIONAL BANK, A "PEOPLE’S BANK." Since they’re really itching to print up a trillion dollars, instead of giving it to a few rich people, why don’t We give it to ourselves? Now that We own Freddie and Fannie, why not set up a People’s bank? One that can provide low-interest loans for all sorts of people who want to own a home, start a small business, go to school, come up with the cure for cancer or create the next great invention. And, now that we own AIG – the country’s largest insurance company – let’s take the next step and PROVIDE HEALTH INSURANCE FOR EVERYONE. MEDICARE FOR ALL! It will SAVE us SO MUCH MONEY in the LONG RUN (not to mention bring peace of mind to all). And, America won’t be 12th on the life expectancy list! We’ll be able to have a longer lifespan, enjoying our government-protected pension and will live to see the day when the corporate criminals who caused this much misery are let out of prison so that We can help re-acclimate them to plain old ordinary, civilian life — a life with ONE nice home and ONE gas-free car invented with help from the People’s Bank.

P.S. Call your Senators NOW !!! —> www.visi.com/juan/congress/

Since they voted against passing the extension of unemployment benefits and skipped out to "campaign" to us to be re-elected…call them and tell them you will vote for the other "guy" if they don’t get their act together!

UPDATE:

The Bailout Is A Truly Evil Disaster And Enabler Pelosi Must Go

We are hearing more and more reports of how badly the ill-advised banker’s bailout is being handled, multi-million dollar bonuses for Paulson’s old cronies at Goldman Sachs, billions going to finance the takeover of rival banks, making the "too big to fail" even bigger, and the taxpayer getting an otherwise rotten deal for their investment. We even heard a Republic senator asking how fast they could blow the money.

NONE of this could have happened without the fawning complicity of Nancy Pelosi, who infamously said it was Bush’s proposal, INSTEAD of coming forward with a robust alternative plan. Just like Bush, she believes she is immune, she believes she is unaccountable, and shame on us if we don’t do everything we can to defeat her this Tuesday, and replace her with Cindy Sheehan.

Here is Cindy’s last TV spot. Please make whatever donation you can to put this ad on the air in these critical final days.

Last Cindy TV Spot Action Page:
www.usalone.com/cindy/donations_tv2.php

There is still time for you to make a real difference. We thank all of our participants who have already donated so generously to make this campaign what it is. For those who cannot make a contribution, please consider helping with the phone banking, and there is a link for that also on the page above.

The one thing we know is that we must continue to speak out. We must continue to challenge. Surrendering is what our current so-called representatives in Congress are so prone to, NOT what we do. Ultimate victory is not only possible, it is assured if we work as hard as we can for real change, not just the rebranding of the same old boys’
network.

And we promise you, immediately after the election we will go right back to work on pure issue advocacy full time, to continue to build the base of action for the future.

Paid for by Cindy Sheehan for Congress

Donations to Cindy Sheehan for Congress are not tax-deductible

Please take action NOW, so we can win all victories that are supposed to be ours, and forward this alert as widely as possible.

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A Minute for Car Insurance Rate Quotes Saves Thousands Over Your Lifetime

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New Yorkers Protest the US0 BILLION (US TRILLION) Wall Street BAILOUT: Wall Street, NYC – September 25, 2008

VOTE YOUR CONSCIENCE on 04 NOVEMBER 2008!

Photographer: a. golden, eyewash design – c. 2008.

Friends,

The richest 400 Americans — that’s right, just four-hundred people — own MORE than the bottom 150 million Americans COMBINED! 400 of the wealthiest Americans have got more stashed away than half the entire country! Their combined net worth is .6 trillion. During the eight years of the Bush Administration, their wealth has increased by nearly 0 billion — the same amount that they were demanding We give to them for the "bailout." Why don’t they just spend the money they made under Bush to bail themselves out? They’d still have nearly a trillion dollars left over to spread amongst themselves!

Of course, they are not going to do that — at least not voluntarily. George W. Bush was handed a 7 billion surplus when Bill Clinton left office. Because that money was OUR money and not HIS, he did what the rich prefer to do — spend it and never look back. Now we have a .5 trillion debt that will take seven generations from which to recover. Why — on –earth – did — our — "representatives" — give — these — robber — barons — $US850 BILLION — of – OUR — money?

Last week, proposed my own bailout plan. My suggestions, listed below, were predicated on the singular and simple belief that the rich must pull themselves up by their own platinum bootstraps. Sorry, fellows, but you drilled it into our heads one too many times: THERE…IS…NO…FREE… LUNCH ~ PERIOD! And thank you for encouraging us to hate people on welfare! So, there should have been NO HANDOUTS FROM US TO YOU! Last Friday, after voting AGAINST this BAILOUT, in an unprecedented turn of events, the House FLIP-FLOPPED their "No" Vote & said "Yes", in a rush version of a "bailout" bill vote. IN SPITE OF THE PEOPLE’S OVERWHELMING DISAPPROVAL OF THIS BAILOUT BILL… IN SPITE OF MILLIONS OF CALLS FROM THE PEOPLE CRASHING WASHINGTON "representatives’" PHONE LINES…IN SPITE OF CRASHING OUR POLITICIAN’S WEBSITES…IN SPITE OF HUNDREDS OF THOUSANDS OF PEOPLE PROTESTING AROUND THE COUNTRY… THEY VOTED FOR THIS BAILOUT! The People first succeeded on Monday with the House, but failed do it with the Senate and then THE HOUSE TURNED ON US TOO!

It is clear, though, we cannot simply continue protesting without proposing exactly what it is we think THESE IDIOTS should/’ve do/one. So, after consulting with a number of people smarter than Phil Gramm, here’s the proposal, now known as "Mike’s Rescue Plan." (From Michael Moore’s Bailout Plan) It has 10 simple, straightforward points. They are that you DIDN’T, BUT SHOULD’VE:

1. APPOINTED A SPECIAL PROSECUTOR TO CRIMINALLY INDICT ANYONE ON WALL STREET WHO KNOWINGLY CONTRIBUTED TO THIS COLLAPSE. Before any new money was expended, Congress should have committed, by resolution, to CRIMINALLY PROSECUTE ANYONE who had ANYTHING to do with the attempted SACKING OF OUR ECONOMY. This means that anyone who committed insider trading, securities fraud or any action that helped bring about this collapse should have and MUST GO TO JAIL! This Congress SHOULD HAVE called for a Special Prosecutor who would vigorously go after everyone who created the mess, and anyone else who attempts to scam the public in future. (I like Elliot Spitzer ~ so, he played a little hanky-panky…Wall Street hates him & this is a GOOD thing.)

2. THE RICH SHOULD HAVE PAID FOR THEIR OWN BAILOUT! They may have to live in 5 houses instead of 7. They may have to drive 9 cars instead of 13. The chef for their mini-terriers may have to be reassigned. But there is no way in hell, after forcing family incomes to go down more than ,000 dollars during the Bush years, that working people and the middle class should have to fork over one dime to underwrite the next yacht purchase.

If they truly needed the 0 billion they say they needed, well, here is an easy way they could have raised it:

a) Every couple makeing over a million dollars a year and every single taxpayer who makes over 0,000 a year should pay a 10% surcharge tax for five years. (It’s the Senator Sanders plan. He’s like Colonel Sanders, only he’s out to fry the right chickens.) That means the rich would have still been paying less income tax than when Carter was president. That would have raise a total of 0 billion.

b) Like nearly every other democracy, they should have charged a 0.25% tax on every stock transaction. This would have raised more than 0 billion in a year.

c) Because every stockholder is a patriotic American, stockholders should have forgone receiving a dividend check for ONE quarter and instead this money would have gone the treasury to help pay for the bullsh*t bailout.

d) 25% of major U.S. corporations currently pay NO federal income tax. Federal corporate tax revenues currently amount to 1.7% of the GDP compared to 5% in the 1950s. If we raised the corporate income tax BACK to the levels of the 1950s, this would give us an extra 0 billion.

All of this combined should have been enough to end the calamity. The rich would have gotten to keep their mansions and their servants and our United States government ("COUNTRY FIRST!") would’ve have a little leftover to repair some roads, bridges and schools…

3. YOU SHOULD HAVE BAIL OUT THE PEOPLE LOSING THEIR HOMES, NOT THE PEOPLE WHO WILL BUILD AN EIGHTH HOME! There are 1.3 million homes in foreclosure right now. That is what is at the heart of this problem. So, instead of giving the money to the banks as a gift, they should have paid down each of these mortgages by 0,000. They should have forced the banks to renegotiate the mortgage so the homeowner could pay on its current value. To insure that this help wouldn’t go to speculators and those who tried to making money by flipping houses, the bailout should have only been for people’s primary residences. And, in return for the 0K pay-down on the existing mortgage, the government would have gotten to share in the holding of the mortgage so it could get some of its money back. Thus, the total initial cost of fixing the mortgage crisis at its roots (instead of with the greedy lenders) is 0 billion, not 0 BILLION.

And let’s set the record straight. People who have defaulted on their mortgages are not "bad risks." They are our fellow Americans, and all they wanted was what we all want: a home to call their own. But, during the Bush years, millions of the People lost the decent paying jobs they had. SIX MILLION fell into poverty! SEVEN MILLION lost their health insurance! And, every one of them saw their real wages go DOWN by ,000! Those who DARE look down on these Americans who got hit with one bad break after another should be ASHAMED.! We are a better, stronger, safer and happier society when all of our citizens can afford to live in a home they own.

4. THERE SHOULD HAVE BEEN A STIPULATION THAT IF YOUR BANK OR COMPANY GOT ANY OF OUR MONEY IN A "BAILOUT," THEN WE OWN YOU. Sorry, that’s how it’s done. If the bank gives me money so I can buy a house, the bank "owns" that house until I pay it all back — with interest. Same deal for Wall Street. Whatever money you need to stay afloat, if our government considers you a safe risk — and necessary for the good of the country — then you can get a loan, but WE SHOULD OWN YOU. If you default, we will sell you. This is how the Swedish government did it and it worked.

5. ALL REGULATIONS SHOULD HAVE BEEN BE RESTORED. THE REAGAN REVOLUTION IS DEAD! This catastrophe happened because we let the fox have the keys to the hen-house. In 1999, Phil Gramm authored a bill to remove all the regulations that governed Wall Street and our banking system. The bill passed and Clinton signed it. Here’s what Sen.Phil Gramm, McCain’s chief economic advisor, said at the bill signing:

"In the 1930s … it was believed that government was the answer. It was believed that stability and growth came from government overriding the functioning of free markets.

"We are here today to repeal [that] because we have learned that government is not the answer. We have learned that freedom and competition are the answers. We have learned that we promote economic growth and we promote stability by having competition and freedom.

"I am proud to be here because this is an important bill; it is a deregulatory bill. I believe that that is the wave of the future, and I am awfully proud to have been a part of making it a reality."

FOR THIS NOT TO REOCCUR, This BILL SHOULD HAVE BEEN REPEALED! Bill Clinton could have helped by leading the effort for the repeal of the Gramm bill and the reinstating of even tougher regulations regarding our financial institutions. And when they were done with that, they should have restored the regulations for the airlines, the inspection of our food, the oil industry, OSHA, and every other entity that affects our daily lives. All oversight provisions for any "bailout" should have had enforcement monies attached to them and criminal penalties for all offenders.

6. IF IT’S TOO BIG TO FAIL, THEN THAT MEANS IT’S TOO BIG TO EXIST! Allowing the creation of these mega-mergers and not enforcing the monopoly and anti-trust laws has allowed a number of financial institutions and corporations to become so large, the very thought of their collapse means an even bigger collapse across the entire economy. No ONE or TWO companies should EVER have this kind of power! The so-called "economic Pearl Harbor" can’t happen when you have hundreds — thousands — of institutions where people have their money. When we have a dozen auto companies, if one goes belly-up, we DON’T FACE A NATIONAL DISASTER! If we have three separately-owned daily newspapers in your town, then one media company can’t call all the shots (I know… What am I thinking?! Who reads a paper anymore? Sure glad all those mergers and buyouts left us with a STRONG and "FREE" press!). Laws Should have been enacted to prevent companies from being so large and dominant that with one slingshot to the eye, the GIANT FALLS and DIES. And no institution should be allowed to set up money schemes that NO ONE understands. If you can’t explain it in two sentences, you shouldn’t be taking anyone’s money!

7. NO EXECUTIVE SHOULD EVER BE PAID MORE THAN 40 TIMES THEIR AVERAGE EMPLOYEE, AND NO EXECUTIVE SHOULD RECEIVE ANY KIND OF "PARACHUTE" OTHER THAN THE VERY GENEROUS SALARY HE OR SHE MADE WHILE WORKING FOR THE COMPANY. In 1980, the average American CEO made 45 times what their employees made. By 2003, they were making 254 times what their workers made. After 8 years of Bush, they now make over 400 times what their average employee makes. How We have allowed this to happen at publicly held companies is beyond reason. In Britain, the average CEO makes 28 times what their average employee makes. In Japan, it’s only 17 times! The last I heard, the CEO of Toyota was living the high life in Tokyo. How does he do it on so little money? Seriously, this is an OUTRAGE! We have created the mess we’re in by letting the people at the top become bloated beyond belief with millions of dollars. THIS HAS TO STOP! Not only should no executive who receives help out of this mess profit from it, but any executive who was in charge of running his company into the ground should be FIRED before the company receives ANY help.

8. CONGRESS SHOULD HAVE STRENGTHENED THE FDIC AND MADE IT A MODEL FOR PROTECTING NOT ONLY PEOPLE’S SAVINGS, BUT ALSO THEIR PENSIONS AND THEIR HOMES. Obama was correct to propose expanding FDIC protection of people’s savings in their banks to 0,000. But, this same sort of government insurance must be given to our NEVER have to worry about whether or not the money they’ve put away for their old age will be there. This should have meant strict government oversight of companies who manage their employees’ funds — or perhaps it means the companies should have been forced to turn over those funds and their management to the government? People’s private retirement funds must also be protected, but perhaps it’s time to consider not having one’s retirement invested in the casino known as the stock market??? Our government should have a solemn duty to guarantee that no one who grows old in this country has to worry about becoming destitute.

9. EVERYBODY NEEDS TO TAKE A DEEP BREATH, CALM DOWN, AND NOT LET FEAR RULE THE DAY. Turn off your TVs! We are NOT in the Second Great Depression. The sky is NOT falling, Chicken Little! Pundits and politicians have lied to us so FAST and FURIOUS it’s hard not to be affected by all the fear mongering. Even I wrote to and repeated what I heard on the news last week, that the Dow had the biggest one day drop in its history. Well, that was true in terms of points, but its 7% drop came nowhere close to Black Monday in 1987 when the stock market in one day lost 23% of its value. In the ’80s, 3,000 banks closed, but America didn’t go out of business. These institutions have always had their ups and downs and eventually it works out. It has to, because the rich do not like their wealth being disrupted! They have a vested interest in calming things down and getting back into their Jacuzzis before they slip into their million thread-count sheets to drift off to a peaceful, Vodka tonic and Ambien-induced slumber.

As crazy as things are right now, tens of thousands of people got a car loan last week. Thousands went to the bank and got a mortgage to buy a home. Students just back to college found banks more than happy to put them into hock for the next 15 years with a student loan. I was even pre-approved for a USK personal loan. Yes, life has gone on with little-or-no-change (other than the whopping 6.1% umeployment rate, but that happened last month). Not a single person lost any of his/her monies in bank, or a treasury note, or in a CD. And, the perhaps the most amazing thing is that the American public FINALLY didn’t buy the scare campaign. The citizens didn’t blink, instead telling Congress to take that bailout and shove it. THAT was impressive. Why didn’t the population succumb to the fright-filled warnings from their president and his cronies? Well, you can only say ‘Saddam has the bomb’ so many times before the people realize you’re a lying sack of shit. After eight long years, the nation is worn out and simply can’t take it any longer. The WORLD is fed up & I don’t blame them.

10. THEY SHOULD HAVE CREATED A NATIONAL BANK, A "PEOPLE’S BANK." Since they’re really itching to print up a trillion dollars, instead of giving it to a few rich people, why don’t We give it to ourselves? Now that We own Freddie and Fannie, why not set up a People’s bank? One that can provide low-interest loans for all sorts of people who want to own a home, start a small business, go to school, come up with the cure for cancer or create the next great invention. And, now that we own AIG – the country’s largest insurance company – let’s take the next step and PROVIDE HEALTH INSURANCE FOR EVERYONE. MEDICARE FOR ALL! It will SAVE us SO MUCH MONEY in the LONG RUN (not to mention bring peace of mind to all). And, America won’t be 12th on the life expectancy list! We’ll be able to have a longer lifespan, enjoying our government-protected pension and will live to see the day when the corporate criminals who caused this much misery are let out of prison so that We can help re-acclimate them to plain old ordinary, civilian life — a life with ONE nice home and ONE gas-free car invented with help from the People’s Bank.

P.S. Call your Senators NOW !!! —> www.visi.com/juan/congress/

Since they voted against passing the extension of unemployment benefits and skipped out to "campaign" to us to be re-elected…call them and tell them you will vote for the other "guy" if they don’t get their act together!

UPDATE:

The Bailout Is A Truly Evil Disaster And Enabler Pelosi Must Go

We are hearing more and more reports of how badly the ill-advised banker’s bailout is being handled, multi-million dollar bonuses for Paulson’s old cronies at Goldman Sachs, billions going to finance the takeover of rival banks, making the "too big to fail" even bigger, and the taxpayer getting an otherwise rotten deal for their investment. We even heard a Republic senator asking how fast they could blow the money.

NONE of this could have happened without the fawning complicity of Nancy Pelosi, who infamously said it was Bush’s proposal, INSTEAD of coming forward with a robust alternative plan. Just like Bush, she believes she is immune, she believes she is unaccountable, and shame on us if we don’t do everything we can to defeat her this Tuesday, and replace her with Cindy Sheehan.

Here is Cindy’s last TV spot. Please make whatever donation you can to put this ad on the air in these critical final days.

Last Cindy TV Spot Action Page:
www.usalone.com/cindy/donations_tv2.php

There is still time for you to make a real difference. We thank all of our participants who have already donated so generously to make this campaign what it is. For those who cannot make a contribution, please consider helping with the phone banking, and there is a link for that also on the page above.

The one thing we know is that we must continue to speak out. We must continue to challenge. Surrendering is what our current so-called representatives in Congress are so prone to, NOT what we do. Ultimate victory is not only possible, it is assured if we work as hard as we can for real change, not just the rebranding of the same old boys’
network.

And we promise you, immediately after the election we will go right back to work on pure issue advocacy full time, to continue to build the base of action for the future.

Paid for by Cindy Sheehan for Congress

Donations to Cindy Sheehan for Congress are not tax-deductible

Please take action NOW, so we can win all victories that are supposed to be ours, and forward this alert as widely as possible.

If you would like to get alerts like these, you can do so at www.usalone.net/in.htm

Or if you want to cease receiving our messages, just use the function at www.usalone.net/out.htm

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The Simplest Strategy To Compare Car Insurance Plan Prices

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The best way to find the cheapest car insurance quote is to compare car insurance quotes from many different companies. Here’s the fastest and easiest way to do that.

If you’d like to obtain the cheapest car insurance plan, you will need to compare car insurance prices from multiple insurance firms. Here I’ll show you how to do this quickly and effortlessly.

Compare Car Insurance Rates

It used to be you had to spend hours on end phoning insurance firms so you could obtain the best insurance plan rate. Now, because of the Internet, comparing car insurance prices is a piece of cake.

Because rates can differ by $ 1,000 or more from company to company, you need to head over to an insurance comparison site where you will receive rates from many different auto insurance firms.

Not only can you get a number of rate quotes from these sites, a number of these sites have money-saving tips in their “Articles” area, and offer an online chat feature and toll-free telephone support which means you can receive answers to your questions from an insurance expert.

Discounts

To obtain your auto insurance rate quotes, you’ll need to fill out a basic form where you are able to request all of the discounts and deductibles you would like. To help you save more money on your insurance, do the following:

Increase your deductible – Depending on how high you increase it this could save you 35% to 50% on your insurance coverage premium.

Bundle your insurance – Buying your auto and homeowners insurance through the same company will save you as much as 15% on your insurance.

Install safety devices – Outfitting your automobile with a car alarm can get you a sizeable discount.

Do not buy coverage you do not need. If your car is more than 5 years old, or it is worth less than the cost of your accident and comprehensive coverage, consider eliminating that coverage.

Insurance Companies

Once you’ve chosen the very best quote, you’ll want to ensure the company is dependable and will pay your insurance claims. Use these sites as a way to help you decide if a company is a good one to insure your automobile with.

1. Your state’s department of insurance website will show you how many complaints happen to be lodged against an insurance company.

2. J.D. Power and Associate’s website (jdpower.com) will give you consumer ratings.

3. The A.M. Best (ambest.com) site provides you with a company’s financial and credit ratings.

If you follow the above steps you are going to obtain the lowest priced quote with a top quality company.

Ryan Steele is a former insurance agent and financial consultant who has written numerous articles on insurance, loans, finance, and satellite TV.

Head over to http://www.LowerRateQuotes.com or simply click on the next link for more information on best ways to compare car insurance prices .

AARP DEMO
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Image by jurvetson
With Matt Marshall and Jody Holtzman, SVP of AARP yesterday.

Here are some of the points I shared:

The 50+ market is huge and a large untapped opportunity for entrepreneurs. In the U.S. alone, there are 100 million people over 50, and that number grows by 10,000 every day. By 2025, the entire nation will look like Florida does today. Demographics is destiny — the aging population is a perfectly predictable dynamic that will have massive economic repercussions. They already represent a disproportionate 45% of U.S. consumer spending, and healthy aging is already a 5 billion business (Furlong).

The boomers are qualitatively different as well, both from the generations that preceded them, and from common assumptions. Advertisers often focus on the 18-34 year old segment to find adopters of new products. Let’s compare that to the 50+ segments. The 50+ spend 2.5x as much, and dominate the entire market for some segments (60% of all CPG and automobiles, 80% of leisure travel). But are they laggards? They are 3x as likely to buy online as the 18-34 segment. They buy the most hybrid cars, iPads and even online dating services.

But are they looking to retire? Learn new tricks? Boomers are actually the most entrepreneurial age cohort. The per capita company formation rate for people over 50 is double that of 20-somethings and 30% higher than 30-somethings. Many of these businesses feed into the eBay economy, and in the future, when crowdsourcing companies like servio help create a marketplace for information services, then boomers could be America’s outsourcing alternative to off-shoring. (I testified to the White House Conference on Aging on that topic)

Matt asked me how we have invested in this segment. I mentioned Posit Science which reverses age-related cognitive decline with games that promote neural plasticity, especially in the sensory cortex (since that generalizes to many improvements in memory and cognition, since noisy inputs degrades the higher level constructs). They have found an average reversal of 10 years of cognitive decline, and in an auto insurance study, a 50% reduction in at-fault crashes!

And as I looked around the room, I pointed out that for those of us over 30, we are already in the long dive of cognitive decline (evolutionarily, there was not selection pressure for a life extended much beyond the breeding years, and our healthcare advances have done more for the body than the mind).

By almost every physical measure of brain function, the slope of cognitive decline is the same in the 30’s as in the 80’s. We just notice more accumulated decline as we get older, especially when we cross the threshold of forgetting most of what we try to remember.

But we can affect this progression. Prof. Merzenich at UCSF has found that neural plasticity does not disappear in adults. It just requires mental exercise. We will look back to the current day and marvel that we thought we could stay mentally fit without exercise. We will look at it like we do physical fitness. Few modern careers offer the degree of physical and mental exercise required to remain fit.

But the form of exercise differs. Physical exercise is repetitive; mental exercise is eclectic. Do something new. (Here’s my short HBR article on this). Lifelong learning is not just about enlightenment; it’s an economic imperative.

And since it was DEMO after all, I have to share a link to the beta version of the BrainHQ for anyone who read this far and would like to demo the latest from Posit Science. =)

Top photo by Stephen Brashear of DEMO.

Reduce The Cost Of Your Annual Car Insurance

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The following article presents the very latest information on car insurance for teenagers. If you have a particular interest in car insurance, then this informative article is essential reading.

We are told that costs are lower from companies operating on the internet – particularly those with only an internet presence. Beware of the small print here more than usual. Some companies may provide an insurance rider to cover some of these costs, which would make it less expensive than purchasing coverage through the rental car company. Keep in mind, however, that in most states diminished value is not covered by insurers. This will cost you somewhere in the region of 10 to 15 per cent of your premium. Having once protected your NCD, claiming once a year will have no effect on your premium.

If your insurance company cannot assist in lowering the cost for you, try other companies, it never hurts to compare prices. For example, increasing your deductible from $ 200 to $ 500 could reduce your collision and comprehensive cost by 15% to 30%. This was 1966 & 1968 and costs were less but the system was the same. My mom saw the doctor multi times for prenatal care and took a check and the doctor’s services were completely paid by the time I was born.

Knowledge can give you a real advantage. To make sure you’re fully informed about car insurance for teenagers, keep reading.

Compare car insurance quotes the easy way. Fill out just one form online and the site will search the market to find you the best deal. Compare home insurance quotes and policy features from a range of the UK’s leading home insurance providers. Whether you need home insurance, buildings or contents insurance, landlords insurance, insurance for working from home, homes abroad or student possessions, we’re here to help you find it!

An SR22 is a type of insurance that any motorist in San Francisco is not looking forward to have typically because it costs a lot. For those who have filed an SR22, there are still a number of them who are not enjoying with their SR22 packages. The good news is that some insurance firms can ensure that you get the original cost back if your car is written off through accident or stolen during the chosen term (up to a maximum of four years). The policy is available for cars which have been owned up to seven years and it does not matter if you are still paying the cost of the car off or even if the car is leased.

It used to be that if you wanted a car insurance quote you had to go down to the local office for the insurance company then about twenty to thirty minutes later you would receive one quote. Most companies that insure cars are changing their rates every day in order to get more customers Companies are battling each other for more customers in the United States. If you have had the same insurance rate for a least a one-year then you are likely to be eligible to get a lower rate either at your company or at another company. This means that you are able to see which companies are offering the lowest rates and the best coverage helping you to focus on only those which can give you exactly what you are looking for. The proposed regulations would allow insurance companies to offer coverage plans paid for by the mile, in addition to traditional plans. The idea is to allow consumers to pay for what they use-and potentially save money.

That’s how things stand right now. Keep in mind that any subject can change over time, so be sure you keep up with the latest news on car insurance for teenagers.

About The Author: InsuranceSet.com helps you compare car insurance for teenagers and offers free resources on 17 year old car insurance. You have full permission to reprint this article provided this paragraph and the hyperlinks are kept unchanged.

That Was the Year That Was – 1987
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Image by brizzle born and bred
1987 After many years of research a new drug AZT is used for the treatment of AIDS. After a long period of growth the US stockmarket drops 22.6% in one day on October 19th and throughout the rest of the world major falls are recorded by the end of October with Hong Kong dropping by 45.8%. In the UK 2 major transport disasters happen when A cross-channel ferry capsizes and an underground fire in Kings Cross Tube Station. England also suffers one of the worst storms in history when Hurricane force winds hit much of the South of England.

Events from the year 1987 in the United Kingdom. At the beginning of the year, the Archbishop of Canterbury’s envoy Terry Waite was kidnapped in Lebanon and remained a hostage until 1991. The major political event of this year was the re-election of Margaret Thatcher in June, making her the longest continuously serving Prime Minister since Lord Liverpool in the early 19th century. The year was also marked by a number of disasters — the sinking of the ferry MS Herald of Free Enterprise, the Hungerford massacre, the "Great Storm", the Remembrance Day Bombing in Northern Ireland and the King’s Cross fire.

In 1987 three million people were out of work; the "big bang" had just revolutionised the City and there was wide concern that exorbitant salaries would distort pay scales; as heavy industry collapsed, what became known as the underclass was swelling; there had been riots in Tottenham; the gap between state and private education was becoming a chasm; beggars were back in the underpasses and the doorways of London’s West End; the NHS was, as ever, a political minefield.

Margaret Thatcher secures her third term in office

11 June – The 1987 General Election sees Margaret Thatcher secure her third term in office. However, her majority is reduced to 102 compared to the 144 seat majority gained at the election four years ago. High profile casualties of the election include the SDP’s former leader Roy Jenkins (once a Labour Home Secretary) and the Ulster Unionist Party’s 75-year-old Enoch Powell (a former Conservative MP). Four ethnic minority candidates are successful: Diane Abbott, Paul Boateng, Bernie Grant and Keith Vaz. Among the MP’s retiring from parliament is 75-year-old James Callaghan, the former prime minister.

DNA profiling

In 1987, in the first ever mass DNA screen, the police and forensic scientists screened blood and saliva samples from 4,000 men aged between 17 and 34 who lived in the villages of Enderby, Narborough and nearby Littlethorpe and did not have an alibi for murders. The turn out rate was 98%, but the screen did not find any matches to the semen samples. The police and scientists expanded the screen to men with an alibi, but still did not find a match.

In August 1987, a woman overheard a colleague, Ian Kelly, boasting that he had given a sample posing as a friend of his, Colin Pitchfork. Pitchfork had persuaded Kelly to take the test as he claimed he had already given a sample for a friend who had a flashing conviction. The police arrested Colin Pitchfork in September 1987, and scientists found that his DNA profile matched that of the murderer.

Colin Pitchfork had previous convictions for flashing, and claimed that the murders had begun as flashings, but the girls had run away, which had excited him. In January 1988, Colin Pitchfork was sentenced to life imprisonment for the murders, and was told he had to serve a minimum of 30 years.

A British scientist, Sir Alec Jeffreys, developed DNA profiling in the 1980s. DNA for profiling can be extracted from samples of human cells found at a Crime Scene, including blood, semen, skin, saliva, mucus, perspiration and the roots of hair, and Profiling can even be carried out on old and dried out samples.

The case of Colin Pitchfork was the first murder conviction based on DNA profiling evidence (there was a previous rape conviction based on this type of evidence).

1987: Gunman kills 14 in Hungerford rampage

A man has shot 14 people dead in the Berkshire town of Hungerford. Police identified the gunman as Michael Ryan, 27. Local people described him as a "loner" and a "gun fanatic". Ryan was armed with an automatic rifle, a pistol and at least one hand grenade when he went on the rampage early on Wednesday afternoon. His victims included his mother and a police officer who tried to tackle him in Hungerford which lies about 60 miles (96km) west of London. At least 16 people are known to have been injured.

Ryan’s first victim was a woman he shot dead as she picnicked with her two children in Savernake Forest about 10 miles (16km) from Hungerford. Soon afterwards at 1245, an armed man – identified by witnesses as Ryan – fired at a woman cashier in a nearby petrol station but missed. Less than 10 minutes later firefighters were called to a house fire in Hungerford where they found the body of a woman believed to be the gunman’s mother.

‘Fired without warning’

By 1300 Ryan had moved on to Hungerford’s main shopping area where he fired indiscriminately killing at least 12 people. Witnesses spoke of a heavily armed man in combat gear who opened fire without warning. As police realised the seriousness of the incident armed officers and helicopters were rushed to the area. But for much of the afternoon Ryan managed to evade the huge manhunt and was only later tracked down to a school on the outskirts of town. The building is now surrounded by armed police and negotiators have been brought in to persuade the gunman to give himself up.

Michael Ryan later turned his gun on himself and was found dead inside the school by police. The death toll eventually reached 16. At the time the incident was the worst mass killing of recent times in Britain. It led to tighter restrictions on gun ownership with the introduction of the Firearms (Amendment) Act of 1988. Critics said the legislation did not go far enough to prevent other massacres occurring.

In March 1996 Thomas Hamilton shot dead 16 school children and their teacher in the Scottish town of Dunblane.

1987: Hurricane winds batter southern England

15 October – During a weather forecast, BBC meteorologist Michael Fish reports "Earlier on today, apparently, a woman rang the BBC and said she heard there was a hurricane on the way; well, if you’re watching, don’t worry, there isn’t, but having said that, actually, the weather will become very windy, but most of the strong winds, incidentally, will be down over Spain and across into France.". Hours later, Britain is hit by the worst storm for 284 years. Fish later drew criticism for the comments, but has since claimed that they referred to Florida, USA, and were linked to a news story immediately preceding the weather bulletin, but had been so widely repeated out of context that the British public remains convinced that he was referring to the approaching storm.

Southern Britain has begun a massive clear-up operation after the worst night of storms in living memory. At least 13 people are known to have died and many dozens have been injured, mostly by falling trees and buildings. Rescue workers faced an unprecedented number of call-outs as winds hit 94 mph (151 km/h) in the capital and over 110 mph (177 km/h) in the Channel Islands.

Weather forecasters have faced criticism for failing to predict the severity of the weather.

The worst affected areas were along the south coast – in Kent five people died including two seamen in Dover Harbour, and in Dorset two firemen were killed as they answered an emergency call. The stormy weather was first predicted at the beginning of the week when the Meteorological Office identified a depression strengthening over the Atlantic.

Last night BBC weatherman Michael Fish reassured viewers the system would track along the English Channel, but instead it cut a swathe right across the south of the country.

Commuters were today advised to stay at home as hundreds of roads and railway lines remain blocked by fallen trees. Some houses and apartments had their roofs blown off. On the Isle of Wight the famous Shanklin Pier, nearly a century old, was reduced to driftwood and in Jaywick, Essex, a caravan park was flattened.

Along the south coast damage to yachts and boat yards was extensive. In Folkestone a Sea Link ferry was blown aground and its crew had to be rescued. The insurance industry is bracing itself for huge payouts. Most household policies cover storm damage, and thousands of homeowners have already started claims. In the London of Borough of Ealing alone, 600 calls came from people whose homes and cars had been struck by falling trees and debris.

Len Turner of Ealing Council said central funding from the government might be needed to deal with the exceptional clean-up costs local councils are facing. "It’s going to take an enormous amount of effort and money; I hope we can look to the Government to support us because the burden on local rate payers is going to be enormous."

1987: Lester Piggott jailed for three years

Former champion jockey, Lester Piggott, has been sentenced to three years imprsionment after being found guilty of an alleged tax fraud of over £3m. The 51-year-old remained stony-faced as he was sentenced by Mr Justice Farquharson at Ipswich Crown Court. But his wife, Susan, collapsed in tears as he was taken to Norwich prison.

Piggott was jailed after failing to declare income to the Inland Revenue of £3.25m. The biggest sum on the charge sheet relates to an alleged omission of £1,359,726 from additional riding income. Another alleged that for 14 years, from 1971, he omitted income of £1,031,697 from bloodstock operations.

False declarations

Piggott, whose personal fortune is estimated at £20m, is said to have used different names to channel his earnings in secret bank accounts in Switzerland, the Bahamas, Singapore and the Cayman Islands. The nine times Derby winner has been prosecuted in the biggest individual income tax-dodging case ever brought in Britain and the sentence is the highest to be passed for a personal tax fraud. Piggott was charged after a joint Customs and Inland Revenue investigation, codenamed Centaur after the halfman, half-horse beast of mythology, into his affairs. The jockey was said to have signed false declarations to the Inland Revenue during three successive inquiries into his tax affairs between 1970 and 1985.

The judge remarked that Piggott even misled his own accountants "until the matter was forced out of you" last year. Other leading jockeys and racing figures were also questioned during the inquiry but the Inland Revenue said it was "too early to say" whether more prosecutions will follow. Top racing figures have been left stunned by the punishment imposed on Piggott, who has become a household name throughout the world. The champion jockey, Pat Eddery said: "I am shocked and very sad. I did not think he would get three years, but the law is the law."

The sentence was condemned as a "terrible injustice" by the Newmarket trainer, David Thom, who said Piggott had put "more money in the taxman’s coffers than any 100 people could have done." But appeals for leniency by Mr John Mathew, QC, Piggott’s counsel, had been rejected by the judge, who said he could not "pass over" the scale of Piggott’s VAT and income tax evasion without an invitation to others tempted to cheat. He will be eligible for parole after one year or if early release is refused, could earn remission of one year for good behaviour.

1987 Timeline

January – Most of Britain is affected by heavy snow and sub zero temperatures.

1 January – Personal Equity Plans permitting tax-free investments in shares are introduced.

2 January – Golliwogs are banned from Enid Blyton books by their publisher and replaced by politically correct gnomes following complaints that golliwogs were offensive to black people.

4 January – Economists predict that unemployment will fall below 3,000,000 by the end of this year.

5 January – Harold Macmillan, Lord Stockton, former prime minister, is buried in the village of Horsted Keynes, having died on 29 December at the age of 92.

7 January – Telford, the new town created in Shropshire some 20 years ago, is reported to have the highest unemployment rate in the West Midlands region, even eclipsing the unemployment levels seen in the city of Birmingham and nearby towns including Wolverhampton, Brierley Hill, Wednesbury and Bilston, which have lost a large percentage of traditional heavy industry since the late 1970s, although Brierley Hill’s unemployment crisis is beginning to ease with the ongoing development of the Merry Hill Shopping Centre, which already includes two retail parks and a large shopping mall and is set to expand even further by the end of the decade.

13 January – Prince Edward leaves the Royal Marines just three months after joining.

14 January – Heavy snow falls across Britain leaving houses, towns, roads, railways and motor vehicles stranded and blocked.

15 January – Unemployment is reported to have fallen in December 1986 for the fifth month in succession.

20 January – Terry Waite, the special envoy of the Archbishop of Canterbury in Lebanon, disappears in Beirut while negotiating for the release of hostages.

Police arrest 26 suspected football hooligans across Britain after a mass operation.

30 January – The flotation of British Airways begins.

11 February – British Airways is privatised and listed on the London Stock Exchange.

Cynthia Payne is acquitted of controlling prostitutes in her London home.

12 February – Edwina Currie sparks controversy by stating that "good Christians won’t get AIDS".

24 February – It is alleged that six Nazi war criminals are living in Britain.

26 February – Church of England’s General Synod votes to allow the ordination of women.

Rosie Barnes wins the Greenwich seat for the SDP from Labour in a by-election.

3 March – National Health Service prescription charges rise from £2.20 to £2.40.

6 March – British ferry MS Herald of Free Enterprise capsizes while leaving the harbour of Zeebrugge, Belgium, killing 193 on board.

The value of the pound is at a five-year high.

13 March – 25-year-old Matthew Taylor wins Truro for the Liberals in the by-election caused by the death of David Penhaligon three months ago.

19 March – Winston Silcott, a 28-year-old black man, is sentenced to life imprisonment for the murder of PC Keith Blakelock in the Tottenham riots 17 months ago.

23 March – 31 people are injured when a suspected IRA bomb explodes at a British army barracks in Rheindahlen, West Germany.

27 March – Neil Kinnock meets Ronald Reagan in Washington DC.

29 March – Margaret Thatcher visits Moscow.

30 March – Christie’s auction house in London sells one of Vincent van Gogh’s iconic Sunflowers paintings for £24,750,000.

1 April – MP’s vote against the restoration of the death penalty by 342–230.

3 April – The jewellery of the late Duchess of Windsor is sold at auction for £31 million, six times the expected value.

5 April – Arsenal win the Football League Cup for the first time in their history with a 2-1 win over Liverpool, earning them their first major trophy since 1979. Charlie Nicholas scores both of Arsenal’s goals.

16 April – Conservative MP Harvey Proctor appears in Court charged with gross indecency.

22 April – The former prime minister Jim Callaghan is appointed to the Order of the Garter. He will be retiring from parliament after the general election.

29 April – Chancellor Nigel Lawson promises that the United Kingdom will soon have an income tax rate of 25p in the pound.

30 April – The House of Lords approve the sterilisation of a "mentally subnormal" 17-year-old female.

4 May – Everton win the Football League First Division title for the ninth time in their history.

8 May – Soldiers of the SAS kill eight members of the Provisional Irish Republican Army at Loughgal, County Antrim.

11 May – Margaret Thatcher calls a general election for 11 June, with most of the opinion polls pointing towards her securing a third successive election victory for the Conservatives, with the Labour opposition expected to increase its share of votes and seats in its first general election under the leadership of Neil Kinnock.

British Rail renames Second class as Standard class.

14 May – Unemployment has fallen to 3,107,128.

15 May – Family Law Reform Act removes remaining legal distinctions between children born to married and unmarried parents.

16 May – Coventry City F.C. win the FA Cup for the first time in their history with a 3–2 win in the final over Tottenham Hotspur, who had won all of their previous seven FA Cup finals.

25 May – Aldershot F.C. become the first team to win promotion through the new Football League playoffs, winning promotion from the Fourth Division with a 3-0 aggregate win over their illustrious opponents Wolverhampton Wanderers (who have a total of eight major trophies to their name, the most recent just seven years ago). The Hampshire club have already condemned another illustrious side, Bolton Wanderers (four times FA Cup winners) to relegation to the Fourth Division for the first time in their history.

3 June – The last MORI poll before the general election shows the Conservatives 11 points ahead of Labour with 43% of the vote, while the Liberal/SDP Alliance’s support stands at 24% and their hopes of building on their result at the last election look exceedingly slim.

11 June – The 1987 General Election sees Margaret Thatcher secure her third term in office. However, her majority is reduced to 102 compared to the 144 seat majority gained at the election four years ago. High profile casualties of the election include the SDP’s former leader Roy Jenkins (once a Labour Home Secretary) and the Ulster Unionist Party’s 75-year-old Enoch Powell (a former Conservative MP). Four ethnic minority candidates are successful: Diane Abbott, Paul Boateng, Bernie Grant and Keith Vaz. Among the MP’s retiring from parliament is 75-year-old James Callaghan, the former prime minister.

18 June – Unemployment has fallen below 3 million for the first time since 1981 after the biggest monthly fall in unemployment since records began in 1948 seeing more than 100,000 of the unemployed find jobs in May.

19 June – Howard Kendall, managers of Football League champions Everton, resigns to take over of Atletico Bilbao in Spain. His successor at Everton is the club’s assistant manager Colin Harvey.

22 June – Race riots break out in the Chapeltown area of Leeds.

25 June – A MORI poll shows support for the Conservative Party stands at almost 50% – the highest during Mrs Thatcher’s time as leader.

29 June – 25 years after the first James Bond film was released, the 15th Bond film is released – with the spy now being played by Timothy Dalton.

30 June – Peter Beardsley, the 26-year-old England striker, becomes the most expensive player transferred between British clubs when he completes a £1.9 million move from Newcastle United to Liverpool.

12 July – £60 million is stolen during the Knightsbridge Security Deposit robbery.

16 July – British Airways and British Caledonian agree a £237 million merger.

Unemployment is reported to be down to just over 2,900,000.

22 July – Palestinian cartoonist Naji al-Ali is shot in London; his condition is described as "critical".

24 July – Novelist and former Conservative MP Jeffrey Archer wins a libel case against Daily Star over allegations that he was involved in a vice ring.

29 July – The Channel Tunnel is given the go-ahead after Margaret Thatcher and François Mitterrand ratify the Treaty of Canterbury. It is expected to be open within six years.

31 July – The Attorney General institutes legal proceedings against The Daily Telegraph to prevent it publishing details from the book Spycatcher.

The Queen opens the Docklands Light Railway in London, the first driver-less railway in Great Britain.

August – Rick Astley’s Never Gonna Give You Up is released, the first of eight singles to reach the Top 10 in the UK.

4 August – Just months after confessing to a further two murders, the Moors Murderer Ian Brady claims that he committed a further five murders.

6 August – Dr David Owen resigns as leader of the Social Democratic Party after its members vote to merge with the Liberal Party.

10 August – One person a day in Britain is now reported to be dying of AIDS.

13 August – First building of post-war design to be Listed: Bracken House in the City of London, designed by Sir Albert Richardson as the Financial Times headquarters (1955–9).

Unemployment continues to fall, with the 12th successive monthly fall bringing the national total to less than 2.9 million.

19 August – Michael Ryan shoots dead 14 people in the Berkshire town of Hungerford before taking his own life with a rifle. 16 people are injured, some of them seriously.

Order of the Garter is opened to women.

21 August – The Hungerford massacre death toll rises to 16 with the deaths of two more victims in hospital from their injuries.

27 August – Robert Maclennan replaces David Owen as leader of the Social Democratic Party.

29 August – Naji Salim al-Ali dies in hospital more than five weeks after being shot.

30 August – David Owen forms a breakaway SDP.

7 September – Ford completes its takeover of the luxury sports car company Aston Martin.

9 September – 25 Liverpool football fans are extradited to Belgium to face charges of manslaughter in connection with the Heysel Stadium disaster more than two years ago.

11 September – The government unveils plans to abolish the Inner London Education Authority.

22 September – The government bans automatic weapons of the type used by Hungerford killer Michael Ryan.

23 September – An Australian court lifts the ban on the publication of Spycatcher.

October – Construction work begins on the extension to the M40 motorway between Oxford and Birmingham. It is hoped that the motorway, providing an alternative route to the M6 and M1 from the midlands to London as well as improving road links with the midlands and the South Coast ports, will be fully operational by 1990.

1 October – Swedish home product retailer IKEA opens its first British store at Warrington in Cheshire.

9 October – Margaret Thatcher tells the Conservative Party Conference in Blackpool that she wants to continue as prime minister until 1994 and the age of 69, which would make her Britain’s oldest prime minister since Harold Macmillan in 1963.

11 October – £1 million pound Operation Deepscan in Loch Ness fails to locate the legendary Loch Ness Monster.

15 – 16 October – Great Storm: Hurricane force winds batter much of south-east England, killing 23 people and causing extensive damage to property.

18 October – Two days after the end of the storm in south-east England, some 250,000 homes in the region are still without electricity.

19 October – Black Monday: Wall Street crash leads to £50 billion being wiped of the value of shares on the London stock exchange.

23 October – Retired English jockey Lester Piggott is jailed for 3 years after being convicted of tax evasion.

25 October – Peugeot begins production of its second car – the 405 four-door saloon – at the Ryton plant near Coventry. The first customers are set to take delivery of their cars after Christmas. A French-built estate version will be launched next year.

1 November – British Rail establishes a world speed record for diesel traction, 238.9 km/h (148.4 mph) with a test InterCity 125 formation between Darlington and York.

2 November – Peter Brooke succeeds Norman Tebbit as chairman of the Conservative Party.

3 November – It is announced that unemployment in Britain fell quicker during October than in any other European country.

5 November – London City Airport opens.

8 November – Enniskillen bombing: Eleven people are killed by a Provisional Irish Republican Army bomb at a Remembrance Day service at Enniskillen.

11 November – Customs officers in Southampton seize more than £50 million worth of cocaine – the most expensive haul of the drug ever found in Britain.

12 November – Unemployment has fallen to 2.7 million (just under 10% of the workforce), the lowest level of unemployment in Britain for over six years.

17 November – The government announces that the Poll tax (community charge) will be introduced in April 1990.

18 November – A fire at Kings Cross on the London Underground kills 31 people.

19 November – Conservative support has reached 50% in a MORI poll for the first time.

24 November – The government announces that free eye tests are to be abolished.

Late November – The first Acid House raves are reported in the United Kingdom, many of them being in derelict buildings.

December – The British-built Peugeot 405 is European Car of the Year, and Peugeot’s first winner of the award for nearly 20 years. British sales begin in the new year, several months after it was launched in France.

9 December – The England cricket team’s tour of Pakistan is nearly brought to a premature end when captain Mike Gatting and umpire Shakoor Rana row during a Test Match.

15 December – Channel Tunnel construction is initiated, and it is expected to open in 1993 or early 1994.

17 December – A year that has seen an excellent performance for the British economy ends with unemployment at less than 2.7 million.

25 December – ITV enjoys a record breaking audience when more than 26 million viewers tune in for the Christmas Day episode of Coronation Street, in which Hilda Ogden (Jean Alexander) makes her last appearance in the show after 23 years.

29 December – PWL release the Kylie Minogue single I Should Be So Lucky. Australian Minogue, 19, has already earned a cult following in Britain with her part in the hugely popular TV soap Neighbours.

31 December – 31 British and Belgian people are recognised in the New Year Honours for heroism shown in the rescue operation at the Zebrugge tragedy earlier in the year.

Inflation remains low for the sixth year running, standing at 4.2% for 1987.

Largest ever deficit to date on UK balance of payments.

With overall unemployment falling below 3,000,000, youth unemployment is now below 1,000,000.

Overall economy growth for the year reaches 5.5% – the highest since 1963.

Television

16 January – The Zircon affair becomes public knowledge when The Guardian reports that the government ordered the BBC to shelve a documentary in the Secret Society series about the Zircon satellite. Two days later documentary maker Duncan Campbell is subject to an injunction preventing him from discussing or writing about the programme’s content, but subsequently writes an article about the episode for the New Statesman.

29 January – Alasdair Milne is sacked by the newly appointed Chairman of the BBC Board of Governors, Marmaduke Hussey. He is replaced by a senior BBC accountant, Michael Checkland.

5 February – Princess Anne appears on sports quiz A Question of Sport, a matter of weeks after team captain Emlyn Hughes famously mistook a picture of her on a horse for jockey John Reid. The episode gains a record audience of 19 million viewers.

21 February – An apparently inebriated Oliver Reed appears on the ITV chat show Aspel & Company, where he stumbles and lurches around the set.

24 February – The sitcom Hardwicke House makes its debut on ITV. The series is badly received by critics and viewers and is cancelled after just two episodes (the second broadcast the following evening). The remaining five episodes of the series have never been transmitted.

26 February – Michael Checkland succeeds Alasdair Milne as Director-General of the BBC.

9 March – Debut of Central Television’s Intimate Contact, a drama dealing with the issue of AIDS.

25 April – The Australian soap opera Prisoner: Cell Block H makes its debut on Central Television in the Midlands. This is believed by many viewers to be the series debut on British television, but in fact it had been running in the Yorkshire region since 1984. Central were the first region to conclude the series, however, in December 1991.

26 April – Channel 4’s The Tube airs for the last time after five series.

22 May–20 June – Television coverage of the first Rugby World Cup from Australia and New Zealand.

9 June – Debut of the Tyne Tees produced chart show The Roxy, presented by David Jensen and Kevin Sharkey. The programme is intended as a stablemate for the Independent radio hit parade The Network Chart Show, following a similar format to the BBC’s Top of the Pops, but its Newcastle-upon-Tyne location impinges on its ability to secure live performances. The show also suffers from poor ratings because it does not have a regular slot on the ITV network, and is cancelled in April 1988.
11 June–12 June – Coverage of the results of the 1987 general election is broadcast both on BBC1 and ITV.

19 June – Television debut of The Grand Knockout Tournament, an It’s a Knockout special featuring members of the British Royal Family alongside sporting and other celebrities. Also known as It’s a Royal Knockout, the event attracts much media derision and is deemed to have been a failure, although it raised £1 million for charity.

20 August – In the wake of the previous day’s Hungerford massacre in which 16 people were shot dead by gun enthusiast Michael Ryan, the BBC, ITV and Channel 4 pull several forthcoming films and programmes containing violence from their schedules. Among them are the 1966 western Nevada Smith, an episode of The Professionals and the 1982 post-apocalyptic film Battletruck. A showing of First Blood is also cancelled.

7 September – Sylvester McCoy becomes the seventh actor to play the Doctor in BBC One’s long-running Doctor Who.

14 September – After 30 years on ITV, the schools service ITV Schools moves to Channel 4, allowing ITV to concentrate on building a fully commercial daytime schedule.

15 October – During a weather forecast, BBC meteorologist Michael Fish reports "Earlier on today, apparently, a woman rang the BBC and said she heard there was a hurricane on the way; well, if you’re watching, don’t worry, there isn’t, but having said that, actually, the weather will become very windy, but most of the strong winds, incidentally, will be down over Spain and across into France.". Hours later, Britain is hit by the worst storm for 284 years. Fish later drew criticism for the comments, but has since claimed that they referred to Florida, USA, and were linked to a news story immediately preceding the weather bulletin, but had been so widely repeated out of context that the British public remains convinced that he was referring to the approaching storm.

16 October – As a result of the Great Storm of 1987, electrical power to TV-am’s studios is lost and an emergency programme has to be transmitted from facilities at Thames Television’s Euston Road centre using reports from TV-am’s own crews and those of ITN, TSW and TVS. The BBC’s Breakfast Time, which would usually come from Lime Grove and was able to broadcast as the studios were without power, as was most of BBC Television Centre at Wood Lane. The early part of the programme was broadcast from the continuity suite at TV Centre usually used for Children’s BBC presentation as this area had generator support, before a larger studio was able to be brought into use.

4 November–18 November – Damon and Debbie becomes the first ‘soap bubble’. It was a miniseries which took two characters from Brookside into new locations and their own story.

17 November – The BBC sees the first appearance of The 999 Programme from S4C Fireman Sam first voiced by John Alderton in the early years.

23 November – The TV-am strike begins after members of the technicians’ union the ACTT walk out in a dispute over the station’s ‘Caring Christmas Campaign’. What is meant to be a 24-hour stoppage continues for several months when staff are locked out by Managing Director Bruce Gyngell. TV-am is unable to broadcast Good Morning Britain, the regular format is replaced with shows such as Flipper, Batman and Happy Days. By December a skeleton service that sees non-technical staff operating cameras and Gyngell himself directing proceedings, begin to allow Good Morning Britain to start broadcasting again. The strikers are eventually sacked and replaced with non union staff. Viewing figures remain high throughout the disruption, which continues well into 1988, although normal programming gradually resumes. Other ITV stations later follow Gyngell’s example.

28 November – Ventriloquist Jimmy Tamley wins New Faces of ’87, coming just ahead of comedian Joe Pasquale, who is second.

December – Thamesside TV, a pirate TV station set up by Thameside Radio, goes on air in the same city. There were only two known broadcasts in December 1987.

25 December – ITV enjoys a record-breaking audience when more than 26 million viewers tune in for the Christmas Day episode of Coronation Street, in which Hilda Ogden (Jean Alexander) makes her last appearance in the show after 23 years.

31 December – In an unusual move, the Chimes of Big Ben are integrated into an episode of EastEnders on BBC 1. Character Den Watts brought a television into the bar of the Queen Vic, ‘watched’ the chimes in their entirety, and the episode resumed.

Network 21, a Pirate television station in London, broadcasts for around 30 minutes on Friday evenings.

BBC1

January – Thundercats
9 January – Rockliffe’s Babies (1987–1988)
15 September – Bad Boyes (1987–1988)
26 September – ChuckleVision (1987—2009)
Going Live! (1987–1993)
12 October – Going for Gold (BBC 1987–1996, Channel 5 2008 – 2009)
17 November – Fireman Sam (BBC 1987–1994, 2005–2008, Channel 5 & CITV 2008–present)

BBC2

7 January – Filthy, Rich & Catflap (1987)
9 March – French and Saunders (1987–2007)

ITV

6 January – Inspector Morse (1987–2000)
7 January – Allsorts (1987–1995)
9 March – Intimate Contact (1987)
1 May – Matlock (1987–1997)
9 June – The Roxy (1987–1988)
5 July – Watching (1987–1993)
2 August – The Ruth Rendell Mysteries (1987–2002)
7 September – Knightmare (1987–1994)
The Time, The Place (1987–1998)
Chain Letters (1987–1997)
13 September – The New Statesman (1987–1994)
18 October – The Charmer (1987)
Unknown – Playbox (1987-1992)

Channel 4

1 May – After Dark (1987–1997, BBC 2003)
3 May – Network 7 (1987–1988)
4 November – Damon and Debbie (1987)

Music

Number one singles

"Reet Petite" – Jackie Wilson
"Jack Your Body" – Steve "Silk" Hurley
"I Knew You Were Waiting (For Me)" – Aretha Franklin and George Michael
"Stand By Me" – Ben E. King
"Everything I Own" – Boy George
"Respectable" – Mel and Kim
"Let It Be" – Ferry Aid
"La Isla Bonita" – Madonna
"Nothing’s Gonna Stop Us Now" – Starship
"I Wanna Dance With Somebody (Who Loves Me)" – Whitney Houston
"Star Trekkin’" – The Firm
"It’s a Sin" – Pet Shop Boys
"Who’s That Girl" – Madonna
"La Bamba" – Los Lobos
"I Just Can’t Stop Loving You" – Michael Jackson and Siedah Garrett
"Never Gonna Give You Up" – Rick Astley
"Pump Up the Volume" – MARRS
"You Win Again" – Bee Gees
"China in Your Hand" – T’Pau
"Always on My Mind" – Pet Shop Boys

Related Compare Car Insurance Rate Articles

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