1/03/2011

Radicals For Capitalism - A History of Libertarianism

A fascinating look at the history of the uniquely American political philosophy of Libertarianism, Radicals for Capitalism is a richly rewarding book on the beginnings of the Libertarian movement and some of its founding members and supporters. Brian Doherty does an excellent job in writing a compelling history of the Libertarian movement.

For anyone with an interest in small government politics this book is not only informative but entertaining. While most people captivated by the Libertarian movement have only a cursory knowledge of its beginnings, reading this book will flesh out your knowledge in an engaging and informative way. Ayn Rand? Everyone has heard of her, but how about Isabel Paterson and Rose Wilder Lane? All three women can be said to have lain the roots for the libertarian movement of today.

All three published important works in 1943, pre-dating Hayeks Road to Serfdom and other seminal Libertarian works. Rands The Fountainhead, Lanes The Discovery of Freedom and Patersons The God of the Machine were all put out in 1943 birthing many important ideas of the Libertarian movement. Explaining Americas exceptionalism, defending the greatness of the founding documents and espousing on the importance of individual liberties these women are of great importance to anyone interested liberty and freedom. While Paterson and Lanes books are difficult to find, they can be located with a little digging, Laissez- Faire books would be a good place to start.

Ayn Rands books are available just about everywhere. Covering the well known like F.A. Hayek and the less known but influential (within the movement) like Murray Rothbrand this book has all the bases covered. The chapter "Goldwater, The Objectivist Crack-up, and Hippies of the Right" had some laugh out loud moments. Covering the Austrian School of Economics and the Chicago School this book explains sometimes mundane and complex subjects in an interesting and understandable manner. Milton Freidman is well covered and as one of the most popular Libertarians besides Ayn Rand.

2012 Predictions of Impending Doom - Prepare for the Worst or Party It Up?

If you haven't heard by now, the world as we know it is predicted to end in December 2012. There will be earthquakes, and volcanic eruptions, devastating storms and tsunamis across the whole planet. Some even predict a fiery comet that will intensify the destruction.

Scientists know that a cosmic event that brings a planet called Niburu close to our solar system will create widespread climate changes. The earth normally goes through these extreme changes in weather and climate patterns when Niburu comes into range approximately every 3600 years or so.

Another cosmic event that is supposed to occur around the same time in December 2012 is the alignment of the sun with the black hole of the Milky Way. As it gets closer, magnetic changes in the north and south poles, a sort of vibration, will also cause all kinds of disruptions. According to scientific research this kind of movement of the magnetic fields already occurs occasionally, but could be intensified by this black hole theory.

Predictions have been made by the Mayans, Chinese, Nostradamus, the Aztecs and even the bible regarding this cataclysmic event that will pale when compared even to the great flood and the ice age. How could they all be wrong?

Scientists around the world disagree on whether these events will take place or not. Searching for answers that can be supported by modern research, some scientists believe it could really happen, otherwise why would so many different cultures have predicted it. While others are saying no, it isn't likely; the whole thing has just been blown way out of proportion.

While the debate goes on many of us are wondering, what if it's real? Is there some way to prepare? Will there be a way to survive? Certainly, thoughts of having to live off the land and being self-sufficient have crossed the minds of some. There are more than a few folks out there hoarding food, water, medicine and supplies. They are physically and mentally preparing for the worst.

The other alternative is to live it up, be bold and do things you've always wanted to do, buy whatever you want, travel and live with abandon because in the end it won't matter anyway. Maybe a little bit of both would be wise in this case. Whatever you decide to do will depend on whether you believe we are destined for destruction in 2012. We will just have to watch, wait and see if the predictions come to fruition or has it all been a bunch of hype?

The Psychology of Advertising

On why it is important to understand mass psychology and the psychological processes of cognition for any successful advertising endeavor...

Advertising has been a form of glorifying or gaining publicity for goods and merchandise since very early times. In fact, advertising has been around as an informal concept since the beginning of civilizations and former methods were oral advertising or claiming the benefits of products verbally when merchants sold goods to people directly on the streets. However with the advent of paper and writing, advertising took a more formal shape.

Egyptians and Ancient Greeks used the papyrus for advertising and rock painting was also used. Advertising in English in magazines as we know today dates back to the end of the 17th century and newspaper advertising in America began during the first part of the 18th century with advertisements for estates. With the growth of mass media and different forms and avenues of communication like radio, TV, newspapers, magazines, and of course the internet in the 20th century, advertising started becoming an important aspect for commercialization of products. People started understanding the potential of advertisements and it became a business with the establishment of advertising agencies with the first advertising agency in US opened in 1841.

With advertising becoming a business in itself, the methods of using advertisements became even more formalized, controlled and systematic and the advertisements for products started appearing as newspaper ads, on billboards, hoardings, as handbills, leaflets, on magazines, newspapers, on TV and radio as commercials and more recently on the internet. Web advertising is now a very powerful means to take the message across to the customers. However to actually appeal to customers, advertising will have to work in accordance with the principles of psychology and sociology. Thus an advertiser or an advertising professional will also have to be a sociologist and a psychologist to really have an impact on the minds of consumers.

The principles of advertising are largely based on cognitive psychology and the psychological processes of attention, perception, association and memory to bring out the complete impact or uses of a product or 'brand'. Any advertisement will have to first focus on the attention that it is able to capture of the consumers. Strong messages, strong visuals and glaring colors are sometimes used on hoardings and billboards. For commercials, attention catching clothes and attractive models are sometimes used.

Once the attention is drawn with the colors and the sounds or words, the focus is on retaining consumer interests by using 'association'. Themes or products which a particular segment of customers could associate with are used thus for baby food, mothers and babies are featured so association would have more to do with relevance or context of the advertisement. Certain colors also have associative value and certain brands and companies use a specific color to promote their products. For example easygroup uses orange and Vodafone uses red as standard color for all advertising. The company logo or symbol is also a part of developing a brand and helps in giving identity to a brand and has a strong associative value.

The association should be such that it not only serves the purpose of quick understanding and perception of the consumers but is also retained in their memory for a long time. Thus memory or retention is an important aspect of the psychology of advertising as only an advertisement that consumers can easily remember for a long time for its novelty or use of words, colors and figures will be the most effective.

The development of a 'brand' is just as effective because a brand helps in driving attention, in developing association (for example, we associate Coke or Pepsi with youth, celebration and a soft drink popular for all occasions) and in memory or retention of any image associated with a service or product. So branding is vital in advertisements as brands help in giving a name and distinct identity of a product. So a Gucci bag or a Sony camera is known for the brand rather than the product.

A brand is recognized in terms of its name, its quality and its reputation with advertisements these days highlighting the uniqueness of brands. For example, HSBC recent advertisements across airports around the world, focus on the differing points of view and different likes and preferences of people across cultures. So when you see such advertisements showing two different perspectives for the same thing, you know this is HSBC. Certain brands develop taglines or motto that sets the brand apart and gives it a distinct character.

You might have wondered why models look lifeless on fashion shows. Fashion shows are usually arranged for designer brands selling clothes and accessories and usually these fashion shows try to accentuate the clothes and that is why the models tend to be rather 'expressionless'. Although these fashion shows project the clothes sans the emoting, in case of commercials, expressions are widely used because through visual medium, emotions have to be transported through the screen to the consumers to create an effect. Putting across a message through a medium is a challenge and advertisers use emotions widely to help people retain the message that describes the product.

Whatever it is, the mantra is to create an impact and have a lasting effect on the minds of the consumers. The message of the product, the motto of the brand and the mind of the consumer, these are the three Ms that are important in advertising.

However it is important to understand that advertising will have to be different for different media. Radio ads should focus on the strength of sounds and words; internet ads will focus on visuals and colors; newspaper ads will focus on space and the theme; and TV ads would focus more on the emotions and the context used. Using motion, capitalized letters, contrasting colors etc are all important and in order to draw attention to the product, some form of highlighting of the product is also done.

How does all this affect the masses, the consumers who will actually buy the product? Apart from the attention drawing process, the retention producing sounds and words that help memory and the associative value of the products and the advertisements, there is another factor namely necessity of the consumer. Advertising is not just enough, as a customer is driven to buy a product largely considering the necessity, quality, features and price of the product.

If a company solely focuses on the physical aspects of any product, like say - an Apple iPhone looks good on the table, then it's probably not the best method to have an impact on the market. The features are as important as the price. Then of course, the 'hype' that triggers a certain mass psychology in a certain way so people sometimes queue up for newly released products. But trying to tap in on mass psychology or a kind of hype or hysteria for a product is only a short term advertising strategy. The longer term establishment of a product is through real quality, usability and price and all companies should emphasize on these ultimately.

Competition may have a lot to do with the type of advertising used by companies, so the weaknesses of other similar products by other companies are highlighted subtly although this may not always have a positive impact on the mind of the customer. Usually most products advertised as unique and not even remotely similar to other products can have a positive effect and can effectively generate hype and consumer curiosity. Focusing on the unique and highlighting the dissimilarity and novelty of a product in a way that attracts curiosity is a certain method to improve popularity of a product, so this gives consumers the reason to know more and they will enter the shops to enquire about the product. Although celebrities are largely used in advertisements to endorse products or promote a brand, the celebrity culture affects only the youth strongly so the entire value of celebrity advertising may be a bit overrated. This will require a separate discussion on celebrity culture.

The final goal of all advertisers and promoters is to ensure that products and services sell and to increase sales and potential consumer interest creating curiosity is a first short term step while introducing a new product into the market. Retaining customer interest is a different ballgame and requires reputation of the brand, product quality, right pricing and continued high quality advertising to ultimately ensure success of the product.

Learn To Fix Your Credit History - 35% Of Your Credit Score

Your credit score is made up of 5 parts with your credit history making up the biggest part at 35%. Negative credit like late payments, collections, charge offs, judgments, liens, and bankruptcy will lower your credit score. While paying on time over time will raise your credit score.

Here is what makes up your credit score:

    * 35% - Payment(Credit) History
    * 30% - Debt to Limit Ratio
    * 15% - Credit History Length
    * 10% - Types of Credit
    * 10% - Inquiries

As you can see the bulk of your credit score is made up of payment history and debt to limit ratio. Your debt to limit ratio is how much you owe compared to owe much credit available you have. This will be covered in another article, but it is very important to create a budget and pay down your bills. We will focus on payment history and what you can do to improve it.

A good payment history is one that is always on time and has never been late. This means you have multiple accounts you have paid on for several years and there is no negative items reporting like mentioned earlier. Many people can get a good payment history without doing much, just making sure they pay everything on time. Many people can also get a bad payment history with out even knowing it. This can be caused for many reasons out of your control, but unfortunately now you are paying for it on your credit.

So if you have a bad credit history which would include late payments, collections, charge offs, judgments, liens, foreclosures, repossessions, and bankruptcies you need to fix your credit history. Only one of these items will lower your credit score more than all the good credit history that you have. You can remove bad credit 2 ways.

#1 Contact Your Creditor

You can contact your creditors and ask them to remove it from your report. This would include negotiating removal based on either good history with them or payment of the negative account. Some creditors have rules against negotiating and won't even talk to you.

If you have a good payment history with your creditor besides maybe one late payment they might remove it just based on good faith. When a large amount is owed you can negotiate the amount and upon final payment the negative listing must be removed from your credit report. This will only work if money is owed and they are willing to negotiate

#2 Dispute The Credit Bureaus

You can dispute your negative items to the credit bureaus. The Fair Credit Reporting Act (FCRA) allows consumers the right to dispute anything on their report that they believe to be inaccurate or erroneous. This includes asking for verification of items that you want verified. These items can be legit or not, you can ask for verification either way

You must draft a dispute letter, stating what items you want verified and why. You send them to all bureaus that your listing is on which might include Equifax, Experian and Trans Union. The bureaus then have 30 days to verify your listing with your creditor. If the negative item isn't verified it will be deleted from your report. Items can not be verified for many reasons, including misplacement, creditor doesn't have account anymore, or human error.

These are both viable ways to fix your history and begin to get your credit back on track. It is also very important to work on all areas of your credit score including credit history length, debt to limit ratio, types of credit, and inquiries. Look for my other articles on all these areas of your credit score and how to improve them. The best thing you can always do to insure good credit is to pay on time every time.

Technical Writing As Literature

As Technical Communicators, we find ourselves judging our work on a day to day basis. Its clarity, accuracy, and "friendliness" are typical concerns for the conscientious technical communicator. Beyond that, we judge the usability of our writing - just how easy is it to use, and how valuable?

We talk about "Technical Literature, and the question arises as to whether it should actually be regarded as a real form of "literature" - and whether it should be subject to literary criticism, in much the same way as a play or a novel. This may seem bizarre, but stop and consider, for a moment, the utility of such an approach.

We may, for example, find that some writers have a direct, simple, "Hemingway" style of writing - while others write in longer, more involved, sentences and paragraphs that reminds us of Proust. The typical response is that the "Hemingway" style is the "correct" one for technical literature. But is it always? Doesn't it depend on the subject matter, the intended use of the book, as well as the skill of the writer? A well constructed Proustian User's manual intended for advanced users, may satisfy much more than a short, laconic Hemingway approach. This is not to say that unnecessary words, or long, clumsy sentences, are good - but not every long sentence is clumsy, and not every 40 word sentence is filled with unnecessary words. A passage can be dense with words and long sentences, and yet convey meaning in a way that engages the reader, and provides a more satisfying experience than a stripped down, laconic guide.

Writing, above all, must "engage" the reader. To engage readers is not the same thing as simply conveying information. To engage readers is to give them something meaningful, which is to say, to give them something that has value within the context of their lives. When we speak of meaningfulness with regard to technical literature, we refer to the value that something has for the professional concerns of the reader. Just plunking down information is often not enough - it is the minimum measure of meaningfulness, but certainly not the full measure.

Educator and sociologist Dr. Mati Schwrarcz has been training English speakers as technical writers and marcom specialists for over 17 years. Since then his graduates have become leading writers in hi-tech companies throughout the world.

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