While the terms tax levy and tax lien are often used alongside one another, the truth is that they describe two different types of actions taken by the IRS. A tax lien is a claim used as a security for a tax debt, while a tax levy is the seizure of properties and assets, by the IRS, in order to settle a tax debt.

Levies typically occur after the IRS has sent a final notice of Intent To Levy at least 30 days before the scheduled levy is to occur. There are many legal options that you can explore, however to help protect your assets and property.

Even if you cant repay the debt that you owe, you may still have options. Depending on your circumstances, you may be eligible for a type of settlement known as an offer in compromise. This type of settlement may be approved by the IRS provided that it meets certain conditions which include severe economic hardship, disputed tax liability, and taxpayers inability to pay off the debt in full.

There are both advantages and disadvantages to an offer in compromise. The IRS holds collections while considering an OIC, and releases liens and levies once an OIC is accepted and completed. OICs also allow taxpayers to avoid having to declare bankruptcy. An OIC does require taxpayers to make full financial disclosures to the government however, and if it is accepted, rights to certain tax benefits will be waived. If the IRS accepts an offer in compromise, the taxpayer is required to remain current on all tax obligations for five years, and other conditions are applicable as well.

The first step towards solving your tax problems is to be aware of all of your options. Contacting a tax professional is the best way to do this. Start taking action now to get your problem resolved.

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Resolved Question: citizenship english question translate to arabic ?
any one new anywebsite hit me up
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INS Citizenship Test Questions
The U.S. Citizenship and Immigration Services (USCIS) administers a test to all immigrants applying for citizenship. For years, these questions have been selected from among the following list of 100. How would you do? Many, you will find simple. Others are not so easy. In all cases, the answer USCIS wants to hear is given. (Study Materials and Guides)
NOTE: New Test Questions Coming Oct. 1, 2008
On Oct. 1, 2008 The USCIS will switch a new set of test questions. All applicants who file for naturalization on or after October 1, 2008 will be required to take the redesigned test. For those applicants who file prior to October 1, 2008 but are not interviewed until after October , 2008 (but before October 1, 2009), there will be an option of taking the new test or the current one.
________________________________________
Current USCIS Test Questions
(Click on the question to see the answer.)
1. What are the colors of our flag?
2. How many stars are there in our flag?
3. What color are the stars on our flag?
4. What do the stars on the flag mean?
5. How many stripes are there in the flag?
6. What color are the stripes?
7. What do the stripes on the flag mean?
8. How many states are there in the Union?
9. What is the 4th of July?
10. What is the date of Independence Day?
11. Independence from whom?
12. What country did we fight during the Revolutionary War?
13. Who was the first President of the United States?
14. Who is the President of the United States today?
15. Who is the vice-president of the United States today?
16. Who elects the President of the United States?
17. Who becomes President of the United States if the President should die?
18. For how long do we elect the President?
19. What is the Constitution?
20. Can the Constitution be changed?
21. What do we call a change to the Constitution?
22. How many changes or amendments are there to the Constitution?
23. How many branches are there in our government?
24. What are the three branches of our government?
25. What is the legislative branch of our government?
26. Who makes the laws in the United States?
27. What is the Congress?
28. What are the duties of Congress?
29. Who elects the Congress?
30. How many senators are there in Congress?
31. Can you name the two senators from your state?
32. For how long do we elect each senator?
33. How many representatives are there in Congress?
34. For how long do we elect the representatives?
35. What is the executive branch of our government?
36. What is the judiciary branch of our government?
37. What are the duties of the Supreme Court?
38. What is the supreme court law of the United States?
39. What is the Bill of Rights?
40. What is the capital of your state?
41. Who is the current governor of your state?
42. Who becomes President of the United States if the President and the vice-president should die?
43. Who is the Chief Justice of the Supreme Court?
44. Can you name thirteen original states?
45. Who said, “Give me liberty or give me death.”?
46. Which countries were our enemies during World War II?
47. What are the 49th and 50th states of the Union?
48. How many terms can the President serve?
49. Who was Martin Luther King, Jr.?
50. Who is the head of your local government?
51. According to the Constitution, a person must meet certain requirements in order to be eligible to become President. Name one of these requirements.
52. Why are there 100 Senators in the Senate?
53. Who selects the Supreme Court justice?
54. How many Supreme Court justice are there?
55. Why did the Pilgrims come to America?
56. What is the head executive of a state government called?
57. What is the head executive of a city government called?
58. What holiday was celebrated for the first time by the Americans colonists?
59. Who was the main writer of the Declaration of Independence?
60. When was the Declaration of Independence adopted?
61. What is the basic belief of the Declaration of Independence?
62. What is the national anthem of the United States?
63. Who wrote the Star-Spangled Banner?
64. Where does freedom of speech come from?
65. What is a minimum voting age in the United States?
66. Who signs bills into law?
67. What is the highest court in the United States?
68. Who was the President during the Civil War?
69. What did the Emancipation Declaration do?
70. What special group advises the President?
71. Which President is called the “Father of our country”?
72. What Immigration and Naturalization Service form is used to apply to become a naturalized citizen?
73. Who helped the Pilgrims in America?
74. What is the name of the ship that brought the Pilgrims to America?
75. What are the 13 original states of the U.S. called?
76. Name 3 rights of freedom guaranteed by the Bill of Rights.
77. Who has the power to declare the war?
78. What kind of government does the United States have?
79. Which President freed the slaves?
80. In what year was the Constitution written?
81. What are the first 10 amendments to the Constitution called?
82. Name one purpose of the United Nations?
83. Where does Congress meet?
84. Whose rights are guaranteed by the Constitution and the Bill of Rights?
85. What is the introduction to the Constitution called?
86. Name one benefit of being citizen of the United States.
87. What is the most important right granted to U.S. citizens?
88. What is the United States Capitol?
89. What is the White House?
90. Where is the White House located?
91. What is the name of the President’s official home?
92. Name the right guaranteed by the first amendment.
93. Who is the Commander in Chief of the U.S. military?
94. Which President was the first Commander in Chief of the U.S. military?
95. In what month do we vote for the President?
96. In what month is the new President inaugurated?
97. How many times may a Senator be re-elected?
98. How many times may a Congressman be re-elected?
99. What are the 2 major political parties in the U.S. today?
100. How many states are there in the United States today?
________________________________________
1. What are the colors of our flag?
Red, White, and Blue.
2. How many stars are there in our flag?
50
3. What color are the stars on our flag?
White.
4. What do the stars on the flag mean?
One for each state in the Union.
5. How many stripes are there in the flag?
13
6. What color are the stripes?
Red and White.
7. What do the stripes on the flag mean?
They represent the original 13 states.
8. How many states are there in the Union?
50
9. What is the 4th of July?
Independence Day.
10. What is the date of Independence Day?
July 4th
11. Independence from whom?
England
12. What country did we fight during the Revolutionary War?
England
13. Who was the first President of the United States?
George Washington
14. Who is the President of the United States today?
Currently George W. Bush
15. Who is the vice-president of the United States today?
Currently Richard B. (”Dick”) Cheney
16. Who elects the President of the United States?
The electoral college
17. Who becomes President of the United States if the President should die?
Vice – President
18. For how long do we elect the President?
Four years
19. What is the Constitution?
The supreme law of the land
20. Can the Constitution be changed?
Yes
21. What do we call a change to the Constitution?
An Amendment
22. How many changes or amendments are there to the Constitution?
27
23. How many branches are there in our government?
3
24. What are the three branches of our government?
Legislative, Executive, and Judiciary
25. What is the legislative branch of our government?
Congress
26. Who makes the laws in the United States?
Congress
27. What is the Congress?
The Senate and the House of Representatives
28. What are the duties of Congress?
To make laws
29. Who elects the Congress?
The people
30. How many senators are there in Congress?
100
31. Can you name the two senators from your state?
(insert local information)
32. For how long do we elect each senator?
6 years
33. How many representatives are there in Congress?
435
34. For how long do we elect the representatives?
2 years
35. What is the executive branch of our government?
The President, vice president, cabinet, and departments under the cabinet members
36. What is the judiciary branch of our government?
The Supreme Court
37. What are the duties of the Supreme Court?
To interpret laws
38. What is the supreme court law of the United States?
The Constitution
39. What is the Bill of Rights?
The first 10 amendments of the Constitution
40. What is the capital of your state?
(insert local information)
41. Who is the current governor of your state?
(insert local information)
42. Who becomes President of the United States if the President and the vice-president should die?
Speaker of the House of Representative
43. Who is the Chief Justice of the Supreme Court?
William Rehnquist (or whoever is next)
44. Can you name thirteen original states?
Connecticut, New Hampshire, New York, New Jersey, Massachusetts, Pennsylvania, Delaware, Virginia, North Carolina, South Carolina, Georgia, Rhode Island, and Maryland.
45. Who said, “Give me liberty or give me death.”?
Patrick Henry
46. Which countries were our enemies during World War II?
Germany, Italy, and Japan
47. What are the 49th and 50th states of the Union?
Hawaii and Alaska
48. How many terms can the President serve?
2
49. Who was Martin Luther King, Jr.?
A civil rights leader
50. Who is the head of your local government?
(insert local information)
51. According to the Constitution, a person must meet certain requirements in order to be eligible to become President. Name one of these requirements.
Must be a natural born citizen of the United States; must be at least 35 years old by the time he/she will serve; must have lived in the United States for at least 14 years.
52. Why are there 100 Senators in the Senate?
Two (2) from each state
53. Who selects the Supreme Court justice?
Appointed by the President
54. How many Supreme Court justice are there?
Nine (9)
55. Why did the Pilgrims come to America?
For religious freedom
56. What is the head executive of a state government called?
Governor
57. What is the head executive of a city government called?
Mayor
58. What holiday was celebrated for the first time by the Americans colonists?
Thanksgiving
59. Who was the main writer of the Declaration of Independence?
Thomas Jefferson
60. When was the Declaration of Independence adopted?
July 4, 1776
61. What is the basic belief of the Declaration of Independence?
That all men are created equal
62. What is the national anthem of the United States?
The Star-Spangled Banner
63. Who wrote the Star-Spangled Banner?
Francis Scott Key
64. Where does freedom of speech come from?
The Bill of Rights
65. What is a minimum voting age in the United States?
Eighteen (18)
66. Who signs bills into law?
The President
67. What is the highest court in the United States?
The Supreme Court
68. Who was the President during the Civil War?
Abraham Lincoln
69. What did the Emancipation Declaration do?
Freed many slaves
70. What special group advises the President?
The Cabinet
71. Which President is called the “Father of our country”?
George Washington
72. What Immigration and Naturalization Service form is used to apply to become a naturalized citizen?
Form N-400, Application to File Petition for Naturalization
73. Who helped the Pilgrims in America?
The American-Indians (Native Americans)
74. What is the name of the ship that brought the Pilgrims to America?
The Mayflower
75. What are the 13 original states of the U.S. called?
Colonies
76. Name 3 rights of freedom guaranteed by the Bill of Rights.
The right of freedom of speech, press, religion, peaceable assembly, and requesting change of government.
The right to bear arms (the right to have weapons or own a gun, though subject to certain regulations).
The government may not quarter, or house, soldiers in the people’s homes during peacetime without the people’s consent.
The government may not search or take a person’s property without a warrant.
A person may not be tried twice for the same crime and does not have to testify against him/herself.
A person charged with a crime still has some rights, such as the right to a trial and to have a lawyer.
The right to trial by jury in most cases.
Protects people against excessive or unreasonable fines or cruel and unusual punishment.
The people have rights other than those mentioned in the Constitution.
Any power not given to the federal government by the Constitution is a power of either the state or the people.
77. Who has the power to declare the war?
The Congress
78. What kind of government does the United States have?
Democracy
79. Which President freed the slaves?
Abraham Lincoln
80. In what year was the Constitution written?
1787
81. What are the first 10 amendments to the Constitution called?
The Bill of Rights
82. Name one purpose of the United Nations?
For countries to discuss and try to resolve world problems, to provide economic aid to many countries.
83. Where does Congress meet?
In the Capitol in Washington, D.C.
84. Whose rights are guaranteed by the Constitution and the Bill of Rights?
Everyone (citizens and non-citizens) living in U.S.
85. What is the introduction to the Constitution called?
The Preamble
86. Name one benefit of being citizen of the United States.
Obtain federal government jobs, travel with U.S. passport, petition for close relatives to come to the U.S. to live.
87. What is the most important right granted to U.S. citizens?
The right to vote
88. What is the United States Capitol?
The place where Congress meets
89. What is the White House?
The President’s official home
90. Where is the White House located?
Washington, D.C. (1600 Pennsylvania Avenue, N.W.)
91. What is the name of the President’s official home?
The White House
92. Name the right guaranteed by the first amendment.
Freedom of: speech, press, religion, peaceable assembly, and requesting change of the government.
93. Who is the Commander in Chief of the U.S. military?
The President
94. Which President was the first Commander in Chief of the U.S. military?
George Washington
95. In what month do we vote for the President?
November
96. In what month is the new President inaugurated?
January
97. How many times may a Senator be re-elected?
There is no limit
98. How many times may a Congressman be re-elected?
There is no limit
99. What are the 2 major political parties in the U.S. today?
Democratic and Republican
100. How many states are there in the United States today?
Fifty (50)

New Naturalization Test Questions
Beginning on Oct. 1, 2008, the U.S. Citizenship and Immigration Services (USCIS) will replace the set of questions currently used as part of the citizenship test with the questions listed here. All applicants who file for naturalization on or after October 1, 2008 will be required to take the new test. For those applicants who file prior to October 1, 2008 but are not interviewed until after October , 2008 (but before October 1, 2009), there will be an option of taking the new test or the current one.
New Test Questions and Answers
Some questions have more than one correct answer. In those cases, all acceptable answers are shown. All answers are shown exactly as worded by the U.S. Citizenship and Immigration Services.
* If you are 65 years old or older and have been a legal permanent resident of the United States for 20 or more years, you may study just the questions that have been marked with an asterisk.
AMERICAN GOVERNMENT
A. Principles of American Democracy
1. What is the supreme law of the land?
A: The Constitution
2. What does the Constitution do?
A: sets up the government
A: defines the government
A: protects basic rights of Americans
3. The idea of self-government is in the first three words of the Constitution. What are these words?
A: We the People
4. What is an amendment?
A: a change (to the Constitution)
A: an addition (to the Constitution)
5. What do we call the first ten amendments to the Constitution?
A: The Bill of Rights
6. What is one right or freedom from the First Amendment?*
A: speech
A: religion
A: assembly
A: press
A: petition the government
7. How many amendments does the Constitution have?
A: twenty-seven (27)
8. What did the Declaration of Independence do?
A: announced our independence (from Great Britain)
A: declared our independence (from Great Britain)
A: said that the United States is free (from Great Britain)
9. What are two rights in the Declaration of Independence?
A: life
A: liberty
A: pursuit of happiness
10. What is freedom of religion?
A: You can practice any religion, or not practice a religion.
11. What is the economic system in the United States?*
A: capitalist economy
A: market economy
12. What is the “rule of law”?
A: Everyone must follow the law.
A: Leaders must obey the law.
A: Government must obey the law.
A: No one is above the law.
B. System of Government
13. Name one branch or part of the government.*
A: Congress
A: legislative
A: President
A: executive
A: the courts
A: judicial
14. What stops one branch of government from becoming too powerful?
A: checks and balances
A: separation of powers
15. Who is in charge of the executive branch?
A: the President
16. Who makes federal laws?
A: Congress
A: Senate and House (of Representatives)
A: (U.S. or national) legislature
17. What are the two parts of the U.S. Congress?*
A: the Senate and House (of Representatives)
18. How many U.S. Senators are there?
A: one hundred (100)
19. We elect a U.S. Senator for how many years?
A: six (6)
20. Who is one of your state’s U.S. Senators?*
A: Answers will vary. [For District of Columbia residents and residents of U.S. territories, the answer is that D.C. (or the territory where the applicant lives) has no U.S. Senators.]
* If you are 65 years old or older and have been a legal permanent resident of the United States for 20 or more years, you may study just the questions that have been marked with an asterisk.
21. The House of Representatives has how many voting members?
A: four hundred thirty-five (435)
22. We elect a U.S. Representative for how many years?
A: two (2)
23. Name your U.S. Representative.
A: Answers will vary. [Residents of territories with nonvoting Delegates or resident Commissioners may provide the name of that Delegate or Commissioner. Also acceptable is any statement that the territory has no (voting) Representatives in Congress.]
24. Who does a U.S. Senator represent?
A: all people of the state
25. Why do some states have more Representatives than other states?
A: (because of) the state’s population
A: (because) they have more people
A: (because) some states have more people
26. We elect a President for how many years?
A: four (4)
27. In what month do we vote for President?*
A: November
28. What is the name of the President of the United States now?*
A: George W. Bush
A: George Bush
A: Bush
29. What is the name of the Vice President of the United States now?
A: Richard Cheney
A: Dick Cheney
A: Cheney
30. If the President can no longer serve, who becomes President?
A: the Vice President
31. If both the President and the Vice President can no longer serve, who becomes President?
A: the Speaker of the House
32. Who is the Commander in Chief of the military?
A: the President
33. Who signs bills to become laws?
A: the President
34. Who vetoes bills?
A: the President
35. What does the President’s Cabinet do?
A: advises the President
36. What are two Cabinet-level positions?
A: Secretary of Agriculture
A: Secretary of Commerce
A: Secretary of Defense
A: Secretary of Education
A: Secretary of Energy
A: Secretary of Health and Human Services
A: Secretary of Homeland Security
A: Secretary of Housing and Urban Development
A: Secretary of Interior
A: Secretary of State
A: Secretary of Transportation
A: Secretary of Treasury
A: Secretary of Veterans’ Affairs
A: Secretary of Labor
A: Attorney General
37. does the judicial branch do?
A: reviews laws
A: explains laws
A: resolves disputes (disagreements)
A: decides if a law goes against the Constitution
38. What is the highest court in the United States?
A: the Supreme Court
39. How many justices are on the Supreme Court?
A: nine (9)
40. Who is the Chief Justice of the United States?
A: John Roberts (John G. Roberts, Jr.)
* If you are 65 years old or older and have been a legal permanent resident of the United States for 20 or more years, you may study just the questions that have been marked with an asterisk.
41. Under our Constitution, some powers belong to the federal government. What is one power of the federal government?
A: to print money
A: to declare war
A: to create an army
A: to make treaties
42. Under our Constitution, some powers belong to the states. What is one power of the states?
A: provide schooling and education
A: provide protection (police)
A: provide safety (fire departments)
A: give a driver’s license
A: approve zoning and land use
43. Who is the Governor of your state?
A: Answers will vary. [Residents of the District of Columbia and U.S. territories without a Governor should say "we don't have a Governor."]
44. What is the capital of your state?*
A: Answers will vary. [District of Columbia residents should answer that D.C. is not a state and does not have a capital. Residents of U.S. territories should name the capital of the territory.]
45. What are the two major political parties in the United States?*
A: Democratic and Republican
46. What is the political party of the President now?
A: Republican (Party)
47. What is the name of the Speaker of the House of Representatives now?
A: (Nancy) Pelosi
C: Rights and Responsibilities
48. There are four amendments to the Constitution about who can vote. Describe one of them.
A: Citizens eighteen (18) and older (can vote).
A: You don’t have to pay (a poll tax) to vote.
A: Any citizen can vote. (Women and men can vote.)
A: A male citizen of any race (can vote).
49. What is one responsibility that is only for United States citizens?*
A: serve on a jury
A: vote
50. What are two rights only for United States citizens?
A: apply for a federal job
A: vote
A: run for office
A: carry a U.S. passport
51. What are two rights of everyone living in the United States?
A: freedom of expression
A: freedom of speech
A: freedom of assembly
A: freedom to petition the government
A: freedom of worship
A: the right to bear arms
52. What do we show loyalty to when we say the Pledge of Allegiance?
A: the United States
A: the flag
53. What is one promise you make when you become a United States citizen?
A: give up loyalty to other countries
A: defend the Constitution and laws of the United States
A: obey the laws of the United States
A: serve in the U.S. military (if needed)
A: serve (do important work for) the nation (if needed)
A: be loyal to the United States
54. How old do citizens have to be to vote for President?*
A: eighteen (18) and older
55. What are two ways that Americans can participate in their democracy?
A: vote
A: join a political party
A: help with a campaign
A: join a civic group
A: join a community group
A: give an elected official your opinion on an issue
A: call Senators and Representatives
A: publicly support or oppose an issue or policy
A: run for office
A: write to a newspaper
56. When is the last day you can send in federal income tax forms?*
A: April 15
57. When must all men register for the Selective Service?
A: at age eighteen (18)
A: between eighteen (18) and twenty-six (26)
AMERICAN HISTORY
A: Colonial Period and Independence
58. What is one reason colonists came to America?
A: freedom
A: political liberty
A: religious freedom
A: economic opportunity
A: practice their religion
A: escape persecution
59. Who lived in America before the Europeans arrived?
A: Native Americans
A: American Indians
60. What group of people was taken to America and sold as slaves?
A: Africans
A: people from Africa
* If you are 65 years old or older and have been a legal permanent resident of the United States for 20 or more years, you may study just the questions that have been marked with an asterisk.
61. Why did the colonists fight the British?
A: because of high taxes (taxation without representation)
A: because the British army stayed in their houses (boarding, quartering)
A: because they didn’t have self-government
62. Who wrote the Declaration of Independence?
A: (Thomas) Jefferson
63. When was the Declaration of Independence adopted?
A: July 4, 1776
64. There were 13 original states. Name three.
A: New Hampshire
A: Massachusetts
A: Rhode Island
A: Connecticut
A: New York
A: New Jersey
A: Pennsylvania
A: Delaware
A: Maryland
A: Virginia
A: North Carolina
A: South Carolina
A: Georgia
65. What happened at the Constitutional Convention?
A: The Constitution was written.
A: The Founding Fathers wrote the Constitution.
66. When was the Constitution written?
A: 1787
67. The Federalist Papers supported the passage of the U.S. Constitution. Name one of the writers.
A: (James) Madison
A: (Alexander) Hamilton
A: (John) Jay
A: Publius
68. What is one thing Benjamin Franklin is famous for?
A: U.S. diplomat
A: oldest member of the Constitutional Convention
A: first Postmaster General of the United States
A: writer of “Poor Richard’s Almanac”
A: started the first free libraries
69. Who is the “Father of Our Country”?
A: (George) Washington
70. Who was the first President?*
A: (George) Washington
B: 1800s
71. What territory did the United States buy from France in 1803?
A: the Louisiana Territory
A: Louisiana
72. Name one war fought by the United States in the 1800s.
A: War of 1812
A: Mexican-American War
A: Civil War
A: Spanish-American War
73. Name the U.S. war between the North and the South.
A: the Civil War
A: the War between the States
74. Name one problem that led to the Civil War.
A: slavery
A: economic reasons
A: states’ rights
75. What was one important thing that Abraham Lincoln did?*
A: freed the slaves (Emancipation Proclamation)
A: saved (or preserved) the Union
A: led the United States during the Civil War
76. What did the Emancipation Proclamation do?
A: freed the slaves
A: freed slaves in the Confederacy
A: freed slaves in the Confederate states
A: freed slaves in most Southern states
77. What did Susan B. Anthony do?
A: fought for women’s rights
A: fought for civil rights
C: Recent American History and Other Important Historical Information
78. Name one war fought by the United States in the 1900s.*
A: World War I
A: World War II
A: Korean War
A: Vietnam War
A: (Persian) Gulf War
79. Who was President during World War I?
A: (Woodrow) Wilson
80. Who was President during the Great Depression and World War II?
A: (Franklin) Roosevelt
* If you are 65 years old or older and have been a legal permanent resident of the United States for 20 or more years, you may study just the questions that have been marked with an asterisk.
81. Who did the United States fight in World War II?
A: Japan, Germany and Italy
82. Before he was President, Eisenhower was a general. What war was he in?
A: World War II
83. During the Cold War, what was the main concern of the United States?
A: Communism
84. What movement tried to end racial discrimination?
A: civil rights (movement)
85. What did Martin Luther King, Jr. do?*
A: fought for civil rights
A: worked for equality for all Americans
86. What major event happened on September 11, 2001 in the United States?
A: Terrorists attacked the United States.
87. Name one American Indian tribe in the United States.
[Adjudicators will be supplied with a complete list.]
A: Cherokee
A: Navajo
A: Sioux
A: Chippewa
A: Choctaw
A: Pueblo
A: Apache
A: Iroquois
A: Creek
A: Blackfeet
A: Seminole
A: Cheyenne
A: Arawak
A: Shawnee
A: Mohegan
A: Huron
A: Oneida
A: Lakota
A: Crow
A: Teton
A: Hopi
A: Inuit
INTEGRATED CIVICS
A: Geography
88. Name one of the two longest rivers in the United States.
A: Missouri (River)
A: Mississippi (River)
89. What ocean is on the West Coast of the United States?
A: Pacific (Ocean)
90. What ocean is on the East Coast of the United States?
A: Atlantic (Ocean)
91. Name one U.S. territory.
A: Puerto Rico
A: U.S. Virgin Islands
A: American Samoa
A: Northern Mariana Islands
A: Guam
92. Name one state that borders Canada.
A: Maine
A: New Hampshire
A: Vermont
A: New York
A: Pennsylvania
A: Ohio
A: Michigan
A: Minnesota
A: North Dakota
A: Montana
A: Idaho
A: Washington
A: Alaska
93. Name one state that borders Mexico.
A: California
A: Arizona
A: New Mexico
A: Texas
94. What is the capital of the United States?*
A: Washington, D.C.
95. Where is the Statue of Liberty?*
A: New York (Harbor)
A: Liberty Island
[Also acceptable are New Jersey, near New York City, and on the Hudson (River).]
B. Symbols
96. Why does the flag have 13 stripes?
A: because there were 13 original colonies
A: because the stripes represent the original colonies
97. Why does the flag have 50 stars?*
A: because there is one star for each state
A: because each star represents a state
A: because there are 50 states
98. What is the name of the national anthem?
A: The Star-Spangled Banner
C: Holidays
99. When do we celebrate Independence Day?*
A: July 4
100. Name two national U.S. holidays.
A: New Year’s Day
A: Martin Luther King, Jr., Day
A: Presidents’ Day
A: Memorial Day
A: Independence Day
A: Labor Day
A: Columbus Day
A: Veterans Day
A: Thanksgiving
A: Christmas

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Resolved Question: is this a good report?
i have a report on hurricane floyd that is due on wednsday

there has got to be some teachers on this site:

you can put it on microsoft word to see it better

Hurricane Floyd

‘What is a hurricane?’ you might ask yourself. A hurricane is a violent storm of the Western North Atlantic and has wind speeds of up to 72 miles per hour. They form when the temperature is at least 26 degrees, as it slowly gets taller it releases latent heat which is a source of energy for a cyclone, there needs to be a lot of moisture in the air, there needs to be a low wind shear because if it had high wind shear the hurricane would break apart and it has to be 500 km away from the equator. The dangers a hurricane poses to human society is that causes a large amount of death, loss of housing, little to eat and billions of dollars in property damages. The people who issue warnings and watches are weathermen who tell us if the hurricane is mild or if its extremely bad you have to take shelter immediately.
Have you ever wondered what categories they place hurricanes and what they call the scale that classifies the devastation of a hurricane? The Saffir-Simpson Hurricane scale classifies the most Western Hemisphere cyclones that range from either “tropical depression” to “tropical storms” wich eventually become hurricanes. Category 1 doesn’t really do much damage to houses and buildings but will do some damage to mobile homes and trees and some flooding. Category 2 would do some damages to houses, the flooding will damage some piers and the boats who aren’t well anchored be damaged. Category 3 there will be minor damage to some houses and buildings, any mobile homes will be completely destroyed, and the flooding would destroy smaller structure but will damage higher structures. Category 4 would destroy the roofs of houses, large erosion areas by the beach. Category 5 is the most devastating hurricane of them all. Houses would be destroyed, building structures would be either blown away or damaged, the flooding would cause extreme damage to all lower floors that are near the shoreline, and people would need to evacuate as soon as possible. Hurricane Floyd was a very strong category 4 and almost had a category 5 rating and was the largest Atlantic hurricane ever recorded.
Hurricane Floyd was formed off the coast of Africa and lasted from September 7th to September 19th and became a category 4 hurricane and almost became a category 5. It struck the Bahamas and caused heavy damage. It went to the East Coast of the U.S which enormous evacuations. Floyd was responsible for 57 deaths and $4.5 billion in damages and this was in North Carolina. While Floyd was crossing the Bahamas it was almost becoming a category 5 for 12 hours and was weakened to a category 3 and was soon had enough strength to become a category 4. As it went through Florida it slowly started to weaken because of all the dry air. As Floyd accelerated to the north it weakened so much that Floyd became a category 2 on September 16. As of the 17th the storm continued to the northeast and later disappeared in Newfoundland
After the devastation of hurricane Floyd came a lot of criticism saying that there was a very slow response. The runoff from the hurricane made problems for North Carolina’s rivers. One major concern was with all the freshwater in the ocean that people were afraid that fish and shrimp would die off killing the fishing and shrimp industries. Amazingly however, both industries were thriving because many marine animals moved to saltier waters so could become less vulnerable to Floyd’s effects. Pollution was also a scare because there were a ton of pesticides in river waters but unlike hurricane Fran the pesticides were lower because Floyd had more rain, which diluted the pesticides making them weaker. Child abuse was also a problem near the hardest hit areas in North Carolina which was probably caused by the aftermath of Floyd which caused parental stress because of all their losses and rebuilding.
The East Coast, Florida and Massachusetts were under a hurricane warning at one point. Even with those specific areas that were mentioned only half actually were hit by hurricane like winds. Hurricane trackers were afraid that Florida was going to be the worse hit with a category 4 hurricane. Because of the warning one million Florida residents were told to evacuate. As the storm went north more people evacuated and caused the largest peacetime evacuations ever in the U.S with 2.6 million evacuating Florida, Georgia, and the Carolinas alone.
Hurricane Floyd was the deadliest U.S hurricane since hurricane Agnes. 57 people died and cost 4.5 billion dollars. In the Bahamas 1 person died, in North Carolina 35 people died, in Virginia 3 people died, in Delaware 2 people died, in Pennsylvania 6 people died, in New Jersey 6 people died. In New York 2 people died, in Connecticut I person died and in Vermont one person died as well. In the Bahamas the hurricane knocked out power and communication lines. Abaco Island, Cat Island, San Salvador Island, and Eleuthera Island was where the most damage had occurred where Floyd had uprooted trees and destroyed houses, restaurants, hotels and shops. Despite all the damage Bahamian citizens felt really lucky because only one person died and only a small number of injuries had occurred.
North Carolina received most of the storms impact and had 35 deaths and caused billions in damage. Floyd also created some tornados but only caused minimal damage. 500,000 costumers were left without electricity due to the damage of the power lines. The rainfall and strong winds affected many homes across North Carolina destroying 7,000 houses, due to the storm 17,000 houses were in a state of disrepair and damaged 56,000 houses and made ten thousand people to live in shelters.

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If you are having problems paying your mortgage or home loan and are facing desperate financial straits then you may well be looking all over for viable solutions. Legal teams tout their expertise but can still be costly and can only hold the wolves at bay for so long. As such, you need a permanent solution to your home problem.

Loan modifications may not be the first thing every homeowner thinks of when he or she faces eviction and foreclosure but they should certainly be a high priority on your list as they could just be what you are looking for.

Regarding loan modification Dallas; using a company well experienced in this area will help save you a lot of time, money and heartache.

Although they are not well known in terms of a solution for homeowners to seek out if they are defaulting on loans, loan modifications have actually been around for upwards of 70 years. In fact, loan modifications were government tools during the Great Depression, which was when they were first introduced into the United States.

Much like today, millions of people were struggling to make their mortgage payments back in the 1930s and a high percentage of them found themselves out on the streets when they could no longer keep up. Fearful for hard working families, the government enacted a loan modifications scheme to help out.

The government loans modification scheme of the 1930s was designed to prevent further foreclosure sales as they were obviously having an adverse effect on the economy. Although that period of US history was the worst ever known, many homeowners must feel like the current economic climate is running it close.

However, loan modifications have been employed since by lenders that have faced legal challenges when they have failed to offer them in circumstances of hardship. Even in the 1980s this was occurring because of the need felt by banks to ensure that loans performed and their figures would improve. However, their use was nowhere near as prevalent as it is now.

Since the turn of the Millennium and the bursting of the housing bubble, loan modifications have no only been employed within the United States but indeed by countries all over the world. Individuals in the United States, Canada, European countries like the United Kingdom and France, Australia, Japan and more countries besides have been worried that they have take on mortgages that they cannot cope with. Their homes are heading into negative equity or are no longer able to pay the extortionate monthly payments.

Well, that happened in 2007 and 2008 following the collapse of the sub-prime market. Today, many homeowners have experienced foreclosure and more are worried about it but loan modifications could help you to straighten out your financial situation.

The modern history of loan modifications is bleak because there appears to be no possibility of a housing recovery at the moment. However, that may have a lot to do with the fact that too few people are failing to ask for loan modifications at the right time. Some of them are failing to ask at all, which is even more worrying.

There are currently government schemes in place in the United States to promote loan modification and prevent foreclosure. However, other countries have yet to put coherent schemes in place. The government of the United Kingdom, for example, was supposedly going to put a loan modification program in place in 2008 in the form of a payment holiday and has yet to do so.

If you believe that you may qualify for loan modifications then look into your options today. History, both recent and past, has proven that they can help to keep homeowners safe and give them a good financial course to follow in the future. It is never too early to ask for help or advice but do not leave it too late.

Technorati Tags: foreclosures, Loan Modifications, Real Estate

Web 2.0 real estate marketing is one of the easier and cheaper forms of advertising to get into to start marketing your real estate business more effectively. In the current economic situation, the areas where most companies can save an enormous amount of money provides and they do things the right way, is their advertising.

With economic recession as it is right now, it is essential that companies start to wake up to the new opportunities that are out there. They’re not even particularly difficult to find an marketing on the Internet has long been one of the most effective forms of advertising for any sort of business.

Web 2.0 real estate marketing is all about social networking on the Internet. If you are familiar with social networking already, then you know that this means advertising with sites such as FaceBook, YouTube and Digg and much more. Social networking in itself is a major business on the Internet and a lot of people make a great deal of money out of it by advertising and selling advertisements.

It basically relies on the social networking websites which have boomed in recent years to become by far the most popular reasons why people use the Internet. Perhaps second only to e-mail itself, social networking is the reason why tens of millions of people around the world log on to the Internet on a regular basis.

What’s more, this form of Internet advertising is also free and many real estate agencies who have tried it out have reported extremely good results such as dozens of calls per day after spending absolutely no money on advertising. However, it is not all easy to get into and does require a certain amount of time investment and patience.

With Web 2.0 real estate marketing you basically have an opportunity to keep your potential customers updated on what you are doing without having to send out mass emails. It is also free to use and the results can be extremely positive. There is no conceivable reason why any real estate company should not get into this lucrative form of advertising.

Another thing which is extremely effective and also growing in popularity is blogging. If you start up a few blogs to market your business, then you can regularly updating the small articles that will be of interest to your targeted audience. At the bottom of every article, you can have an array of buttons which point to the social networking sites so people can easily show your stories if they are interested. Again, this advertising is all free.

Technorati Tags: business, Internet, marketing, online marketing, Real Estate, real estate agent, real estate internet marketing, realtor, social media, web 2.0

Adding a basement to your home can prove to be functional and useful. It can be a place for relaxation and entertainment. You can also have your children use a corner as play pen.

There are many ways to maximize the use of your basement. Practically everything you can think of. But before all the convenience and comfort take place, it is important to put some investment on your basement wall system. By investment, it means both time and money.

To have a safe and secure basement wall system, here are some items that you must know and ensure that they are present in a well prepared and constructed basement:

1. External insulation. You will have to do a lot of digging. This is because the soil outside of your house is in contact to your basement walls. You will have to insulate that surface area where your wall is exposed to the damp earth. Check some utilities that may be placed in these areas. These are things like gas, hydro, telephone, water, sewage. Ensure their safety and maintenance. Insulating your exterior walls prevents heat loss in your basement. All this can be overwhelming if you?re new to this business. You may want to consult or hire a professional to do the external basement wall system for you. Or you may do it yourself. But just be sure to do it right. Otherwise, you might have to dig extensively again in the future.

2. Internal Insulation. The interior walls must also be insulated. This is because air leaks in very easily. The air is cold outside. You have no control over that. But you do have control over preventing air flow to come in. A good basement wall system for internal insulation does that. Usually, this type uses fiberglass materials layered in your walls. Some would use foam type or plastic fixtures. This may cost you but it?s a worthy investment. You don?t want to have a cold basement room, do you?

3. Basement Waterproofing – Your basement must be free from molds, mildew, bacteria and all other fungus that will start spreading in. It will make your basement smell bad. And since these molds are not easy to find, you?ll have a hard time figuring out where it?s coming from. When this happens, nobody wants to stay in your basement anymore. So this is basement waterproofing comes in. Some basements have rubber plastic adhesive solutions layered in joints and walls to prevent moisture to set in. You may also want to check other basement wall system options in waterproofing. Just make sure they?re safe.

Sure you have a very beautiful basement. It?s very cozy, well lit and probably the most livable place in your home. But if you a poor basement wall system, chances are you won?t be enjoying its benefits for long.

Your basement should be free from moisture and dampness in order for it to be functional and efficient. These things cause bad smell, cold room temperature, and not to mention damage to your foundation walls. If this happens, you will spend some time each year doing repairs. Not only that, it will cost you and eventually spend more.

Technorati Tags: basement, basement wall system, basement waterproofing, family, home, Home Improvement, home repair, Real Estate

If your home is on the verge of foreclosure or you fear the chance of it, you certainly will do any possible means to save it. But the problem is how you will do it? The first step, is going to your lender and asking for help.

If contacting your lender at the first sign of financial problems seems to be not so good of an idea. It may be because you are embarrassed to discuss money issues to others or you simply don’t see the need to inform your lender right away of your present financial standing. But the truth is, asking for your lender’s help will save you a lot of trouble and it will could help you save your home.

People often have the perception that lenders, like banks, think only of themselves and don’t care about the future of the borrowers. This leads to the common notion that lenders show no mercy to homeowners who have defaulted on payments and will take the homes when the very first window of opportunity opens. The truth is lenders like owners will do everything they can to avoid home foreclosures. So again, the best way to save your home is to work with your lender to solve the problem.

If you miss payments for 3 consecutive months normally the lenders usually send a Notice of Default. However if you know your in trouble DO NOT wait until you get the notice to take action. Call your lender as soon as possible. Inform them of your reason of default on a payment and ask for an alternative payment schedule or temporary lower rates until your finances have recovered. You can also ask for Forbearance where your lender waives some of the penalty fees as a result of default or a mortgage refinance without going through the process of re-application. Most mortgage lenders are more than willing to help you to avoid repossessing your home.

Talk to your lender, inform them of the situation, and ask for payment alternatives. Don’t wait too long before you make a move to save your home. Act fast. Understand the gravity of the situation and do something. It is your obligation to pay your mortgage but when worst comes to worst, your lender will help you keep your home. This is more true during economic downturn.

Technorati Tags: business, finance, forclosures, foreclosure, foreclosures investing, homebuying, investments, Real Estate, Real Estate investing, real estate investments, real estate investor, real estate investors

The current US economy continues to waiver and has economists changing their outlooks on a regular basis. Is the recession ending or just beginning? No one seems to know. But one thing is for sure: the Brissi Group continues to negotiate unheard of deals in Manhattan’s sales and rentals real estate market. Taking advantage of landlords’ economic uncertainty and bypassing other real estate brokerages by offering the city’s only flat-fee apartment search, Brissi Group is Manhattan’s newest real estate powerhouse.

It is not an easy task to determine the condition of any real estate marketplace, but one can not argue with results such as what the Brissi Group has obtained. Renters can now pay substantially lower rental rates than they did in 2008 in all types of apartment buildings, with the exclusion of 2 bedroom units where a doorman is present. As a matter of fact, renters have reported getting rental discounts of nearly 17% less than a building owners first asking price.

Vacancy rates have forced landlords to lower rents and offer incentives such as a month free rent to tempt apartment seekers. Hiring freezes and layoffs in the city have not only slashed the amount of renters but has slashed the amount of renters who can afford a broker. Brissi Group has stepped up and now offers the city’s only flat fee apartment search.

There are landlords that are offering a free month of rent, offering to buy broker’s fees, and other similar services and offers to cater to the needs of today’s soft rental market. It is important to note that many of the individuals who own these buildings will not openly offer to give renters any kind of concession, a wise renter must ask what kinds of concessions are available. The worst thing a prospective landlord can say is no and then a renter is no worse off for having asked.

The best way to find an apartment in Manhattan is to work with a flat-fee broker, that way there’s no conflict of interest: you know your broker works for you, NOT for a commission (so not up selling on your rent). Brissi Group’s Flat Fee Rentals NYC is the only service in New York City to offer a flat-fee rental search.

Figuring out what part of town to live in can be complicated; do you live near work? near friends? near family? When you work with a real estate agent from Brissi Group you have access to 85% of the rental market (no-fee brokers have access to about 40% of the market where the building pays the broker commission). More listings means more opportunities. Any Brooklyn, Queens, Staten Island, and Bronx, and course the hub of it all, Manhattan.

Where you end up living is a big and personal decision, a good agent works with you on a personal lever to make that decision. Brissi Group agents are trained not only to find great deals and negotiate prices, but also how to communicate specifically with their clients and tailor apartment searches to each clients specific needs.

Picking a suitable area is easy if you have a team of rental agents on your side such as the Brissi Group, who are working for you rather than just for a standard broker’s commission. Flat fee rental agents know the price they will get, renters know the price they will get, and this fee will always be the same. Visit Manhattans only flat fee real estate rentals at http://www.flatfeerentalsnyc.com/ or contact them by calling 212-738-0880 or sending an email to info@FlatFeeRentalsNYC.com

Technorati Tags: a, apartment rentals, b, business;finance, f, flat fee rentals, l, m, manhattan, manhattan real estate, manhattan rentals, n, new york city, new york city real estate, new york city rentals, r, Real Estate, real;estate, rentals, Small Business

More and more homeowners are deciding to rent their home instead of sell because of the current housing market. This trend is making it increasingly necessary to work with qualified and skillful property management services. In todays environment, homeowners are no longer just interested in a company that performs great upkeep, collection and vendor management, but rather are relying on their property manager to quickly find reputable and responsible tenants. Particularly with higher priced homes, this can be a real challenge.

The trend for high end homeowners to lease their home long term or on a rent to own option rather than as a short term vacation rental is causing the increased concern over tenant quality. This type of situation is much riskier for the homeowner both on a financial and an emotional level than just selling the home would be.

Homeowners or prospective tenants should consider the following factors when selecting their property management company:

1. Licensing. Many property management companies in Colorado are not licensed with the Colorado Real Estate Commission, because its not required unless the company manages a certain number of properties. A licensed company must abide by the laws of the Commission and is legally accountable to both the homeowner and tenant. Without proper licensing, consumers can easily be subject to fraud and identity theft with no recourse.

2. Tenant Screening. A reputable property management company will take the time to pre-screen all tenants with a background check, including the tenants credit report, prior rental history and criminal history. This goes a long way to minimizing the homeowners risk as well as saving time and energy up front for all parties.

3. Real Estate Experience. Experience matters in this housing market. Property management companies with real estate experience, in building, selling, and managing understand the needs of buyers and sellers and can efficiently navigate the landscape.

4. Cooperative Relationships in Community. Its important that the company has established positive relationships within the real estate community. Many for-sale properties are turning into rentals and a solid network of brokers means a bigger inventory of homes as well as real time insight into various neighborhoods and the market as a whole.

Our Denver Based property management company, Denver Rent a Home has focused on streamlining the tenant placement process and taking the hassle out of the hands of the homeowners. We have recently launched an online tenant pre-approval service, where prospective tenants can fill out simple forms to get pre-qualified for any of the available listings. We also run all applicants though a thorough confidential background check and spend a lot of time up-front getting to know our clients and their properties.

For homeowners and tenants alike, the bottom line is be careful when choosing your property management company. If a company you are considering isnt licensed, or doesnt convey solid processes and experience, be wary. You may feel that you can trust your instinct, but in a risky situation such as rent to own you can never be too careful. It is also a great idea to ask to speak to references who have used the property management companys services for a similar transaction.

In short, A quality property manager, will want to fully understand their customers and the homes they are representing. They appreciate the fact that their customers are trusting them to place the right tenants in their home, and take the responsibility very seriously.

Technorati Tags: home relocation, lease option, lease purchase, Real Estate, relocation services, rent to own, rent vs. buy, renting home, renting vs. buying home

Currency Market is the most traded financial markets in the world. We like to think of the currency market as the, Big Kahuna of the financial markets. The currency market is the crossroads for international capital, the intersection through which the global commercial and investment flows have to move.

More than anything else, the currency market is the traders market. Its a market that is open around the clock six days a week, enabling currency traders to act on news and events as they happen. Its a market where a billion dollar of trades can be executed in a matter of seconds and may not even move the prices noticeably.

By far the vast majority of currency trading volume is based on speculation. Most of the people dabble in currency for pure speculation. It is the lure of making quick capital gains that attract most of the investors towards currency trading. While commercial and financial transactions in the currency markets represent huge nominal sums, they still pale in comparison to the amount spend on speculation.

Estimates are that upwards of 90% of the daily trading volume is derived from speculation meaning that commercial or investment based currency trades account for less than 10% of the daily global volume. The depth and breadth of the speculative market means that the liquidity of the overall currency market is unparalleled among global financial markets.

Currency trading has its own set of trading lingo just like any financial market. If you are new to currency trading, the mechanics and terminology may take some getting used to. The biggest mental hurdle facing newcomers to currency trading especially those traders coming from other markets are getting there head around the idea that each currency trade consists of a simultaneous sale and purchase.

For example, suppose you invest in the stock market by purchasing stocks. Suppose you purchase 100 shares of Google stocks (GOOG). So you own only 100 shares. You want to see the price go up as you have purchased 100 shares of Google (GOOG) for capital gains. You simply sell your 100 shares when you want to exit. Your decision may be based on capital gain or capital loss. But in currencies, the purchase of one currency involves the simultaneous sale of another currency.

This is the exchange in the foreign exchange (forex). The major currency pairs all involve the US Dollar on one side of the deal. All currency pairs have nicknames or abbreviations. US Dollar is abbreviated as USD, Euro as EUR and so on. Currency markets refer to trading currencies by pairs to make matters easier. So currencies come in pairs.

The most frequently traded currency pairs in the currency market are: USD/JPY, GBP/USD, USD/CHF, EUR/USD, USD/CAD, UAD/USD, and NZD/USD. Rest of the currency pairs dont have the volume that these pairs have. The designation of each currency is expressed using ISO codes for each currency.

Although the vast majority of currency trading takes place in the dollar pairs, cross currency pairs serve as the alternative to always trading the US Dollar. A cross currency pair or a cross is any currency pair that does not include the US Dollar. Cross rates are derived from the respective USD pairs but are quoted independently.

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Since the economy is not going strong these days, you should go for alternatives like multiple streams of income. In today’s time, you cannot depend only on a single job for talking care of the recurring expenses you have. The market is so sluggish that even if you have a business you may not be able to maintain your expenses. This could certainly be the worst time to invest more money in business. One of the best streams of income you can focus on is the real estate business. The main advantage of this market is that it will never go down and if it is going down, it will not take you with it.

The requirements of starting a real estate business are just two things, capital investment and mastering certain calculations. If you are ignorant about the thick and thin of the real estate business, it will be better for you to go for some real estate investing courses available in the market before starting up the business. You must check on the inclusive things before you selecting the exact course.

The facilitator should be a respected expert with a rich real estate experience. He should not only know the nuances of the trade well but at the same time should have had hands on experience in the business. As only then he would be able to guide you in a practical way and not only theoretical.

The easiest way to begin the business is by searching for the foreclosure and pre-constructed properties and especially the fix and flip real estate opportunities. But being the best in trade requires you to be deep in your knowledge about the business.

When you choose the real estate investing courses, it should be able to provide you with the best possible investment where you can learn them by using simple multiple aides. You have to keep in mind the cost of the course so that it is not too expensive that it would leave you with no capital that you could trade with. As the facilitator will not be able to reach all the facets of the course, the course has to provide you with reading material. The topics of high and medium priority will be touched by the facilitator and also will have a simple touch one topics that are not much relevant. If you want to fair better, you need to know all the things and the course should also have case studies on monthly basis.

While choosing from the multiple real estate investing courses you could also sneak in into the tract record of that institute offering such a course by looking at the success of students who have been trained by them.

Multiple streams of income to add to your main would only be successful if the other option is taken seriously. Taking real estate as the second source of income might over take the primary job that you have for living provided you consider the above while choosing from the multiple real estate investing courses offered.

Technorati Tags: b, business;finance, e, enlightened wealth institute, ewi, f, finance, m, multiple streams of income, n, r, Real Estate, real estate investing courses, real;estate, robert allen, u