Soon after Mr. Ecker took the helm of the Metropolitan Life Insurance Company, Leroy A. Lincoln, at the age of 49, was made Vice President. He had come into the company in 1918, and in little more than a decade had demonstrated his capacity to handle a variety of complicated administrative problems.

He had a broad and intimate knowledge of the entire insurance business, having previously served as Counsel to the New York State Insurance Department. He brought to his duties not only a keen analytical mind but also a warm sympathy for the men in the field, and special enthusiasm for the social service program of the organization. When, in March 1936, Mr. Ecker became Chairman of the Board of Directors, Mr. Lincoln succeeded to the Presidency, continuing the policies of his predecessor in office.

Frederick H. Ecker became president of the company at a period which then looked to many like a “Golden Era.” All business was at a high peak, and the Metropolitan shared in the general prosperity. Toward the close of this period many people seriously believed that a new order of living had arrived in America and that prosperity, along with low cost life insurance, was to go on forever.

One measure of this buoyant state was the rise in prices of common stocks, particularly those dealt in on Exchanges. Under such promising conditions, it is not surprising that common stocks were seriously urged as suitable investments even for life insurance companies; and one or two companies not subject to the restrictions of the New York Law purchased sizable blocks of well selected common stocks for their portfolios.

It was at this juncture, in September 1929, that President Ecker, in an address before the National Association of Life Underwriters at Washington, analyzed the proposal that life insurance funds be put into common stocks, and took a firm position against such “investments” by the life insurance companies. There were some who challenged his position; but not long after Mr. Ecker’s address had been published and put into circulation there came, in October 1929, the first of the Stock Exchange crashes. His judgment as to the dangers of common stock investments for life insurance companies was vindicated almost overnight.

The full import of this disaster was little understood at the moment. It was not for weeks and months that the country came to understand that its entire economy had suffered a shock which could not be overcome for years. As the first overturns in the Stock Exchange deepened into a well defined national depression, the life insurance companies shared the difficulties of the times with other financial institutions.

Large numbers of people lost their savings on the Exchanges. Many banks closed their doors, foreclosures increased rapidly, and employment began to drop sharply. As a consequence, many people borrowed on their policies, whether it was individual health insurance or life insurance to obtain the cash which they could find through no other source. This situation was further complicated by moratoria on policy loans and surrenders enforced in a majority of the States-limitations which were not sought by the Metropolitan.

The company continued to make all payments where no restrictions existed, and met every obligation as soon as the curbs were lifted. During the decade from 1930 to 1939 the Metropolitan paid out well in excess of $5,000,000,000 to life insurance policies or beneficiaries. These payments saved from the ignominy of public relief many thousands of individuals who had set up their own protective plans through insurance during more prosperous years. Contemporary with the efforts of the Federal Government to afford relief to the destitute members of the population, they certainly lightened the public burden.

Sarah Martin is a freelance marketing writer specializing in the history of business, finance, individual health insurance, and life insurance. For more information on life insurance policies or for no medical exam life insurance, please visit http://www.equote.com.

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Here is a general guide about selling a structured settlement:

1) First you should determine your current and future cash needs and financial condition. It is recommended that you consult a financial advisor or lawyer. Remember, you can sell all or just a portion of your future cash payments.

2) Contact your payment provider, usually an insurance company, to determine the amount, number payments remaining , and terms of your structured settlement. It is a good idea to get all contract information from your provider. You will need this information to give to the potential buyer.

*Ask your payment provider if they have worked with structured settlement buyers, they might disclose a few potential buyers to begin your search.

3) Determine what amount you would like to sell. You will receive more money for payments that will be received sooner than payments in the distant future.

4) Search for a buyer of structured settlements. It is very important to feel comfortable with potential a buyer.

There are a number of ways to find a potential buyer:

-talk to your financial advisor or lawyer,

-use www.MyNoteMarket.com to identify potential buyers,

-search the Internet,

-talk to friends and family who have sold a structured settlement.

5) Get multiples quotes for your structured settlement. While the highest quote may be attractive, you should consider all the factors together. These factors include: reputation, experience, your comfort level, etc.

6) Once you have selected a buyer, you will have to sign a contract with the buyer. This contract should outline the terms and conditions of the structured settlement payment. It is generally called a Disclosure and Transfer Agreement.

*Tip: It is strongly advised that you have your lawyer review this contract before you sign it.

7) Now the information gathering process will begin. The potential buyer will request specific information about your structured settlement. It is recommended that you have as much information collected before you begin this process. This process can last between 2 to 14 days.

*Tip: Request to see the buyer’s privacy policy.

Information requests can include:

-Settlement Agreement/Court Judgment/Release

-Annuity policy/contract – from the insurance company or payment provider

-Payment verification – payment check stub or bank statement.

-Your personal information including driver’s license

-Copy of marriage license or divorce decree (if applicable)

-Bankruptcy discharge documents (if applicable)

-Your lawyer’s information

8) Once the buyer has all the required information, they will begin an underwriting process. This process usually lasts between a month to several months, depending on statutory requirements, the company, and complexity of your structured settlement.

*Tip: Ask the buyer up front about the process and time to completion. Be cautious of very short process times.

9) When the underwriting is complete, the buyer will submit the settlement to the court for approval. A judge will review the settlement and determine if it is in the your best interest to sell the settlement. The buyer should cover all costs associated with the approval process. While you are under no obligation to appear in court, you should consult an advisor about your unique situation.

*Tip: Ask the buyer up front about all costs and who is responsible for paying them.

10) If the court grants your settlement request, the buyer will transfer the cash to you.

Congratulations your sold your structured settlement!

*Please note: these are general guidelines, all situations are unique and vary by state and company.

* Please consult a lawyer, licensed insurance agent, securities broker, or other financial professional for advice regarding your personal situation.

John Weimer, CFA
Mr Weimer has almost 20 years of finance and investment experience working with major insurance companies and investment firms. He also co-founded http://www.TheBizMarket.com an on-line business brokerage.
He currently is CEO of PegasusPolo Ventures, LLC

For more information, please go to:
http://MyNoteMarket.com

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The Foreign Currency markets (Forex or FX) were deregulated in 1997 and no longer the private domain of the banks, insurance companies and other large financial institutions. Private investors quickly discovered what the large trading companies knew for a long time. Which was, it is much easier to invest in currencies for a profit than invest in stocks for a profit. In every currency transaction there is one winner and one loser. The winner simply needs to make more than the commissions (Pip’s) charged them by the brokerage firm they are using. When purchasing a stock, the seller of that stock could be selling that stock at a loss, and the person they bought it from could have sold it at a loss and the person before that could of sold it at a loss and so on and so on.

One of my biggest pet peeves when watching the business broadcast on television is when an investment banker from one of the stock brokerage firms come on and says,” investing in the stock market over the last 100 years has been proven to produce the largest capital gain when compared to any other form of investment.” At that time I wish I was a TV host so bad, because I want to ask the lying banker, “exactly which companies would you have bought 100 years ago that are still in business today?” Can’t you just hear them when you ask that, I am sure they would then mention some more fabrications like this, “well there aren’t too many, but if you sold this company after 2 years and then bought this other company and held it for 5 years and then sold it and bought XYZ firm and held it for 8 years, just a bunch of useless trash talking.” That’s my opinion anyway.

In essence, purchasing currency is a lot more like gambling on two sports teams than it is similar to purchasing stocks. When gambling on sports teams there are two participates and one wins and one loses. The winner pays the commission (Vic) to the bookmaker. There are quite a few differences between gambling and investing in currencies though.

First, the quantity and quality of information the currency has at their disposal when attempting to decide on when to buy and when to sell is vastly superior to gambling on sports teams. In fact, if you follow a few simple principles and don’t get greedy this information can be used to virtually guarantee profits. The next difference is the upside potential verses the downside loss in trading currencies. When gambling a gambler will normally invest in a one on one situation, in other words they invest one dollar to make one dollar. The currency investor on the other hand can limit their losses to what of percentage of their upside gain they believe is possible. If a gambler is correct 50% of the time they are still losing money. If a currency trader is correct 50% of the time they are traveling around the world on their own yacht trading with their wireless internet connection visiting every exotic know location. That is quite a substantial difference.

There are quite a few more reasons that investing in currencies is the best form of trading, but I am only going to mention one. If you manage your money correctly and have a low tolerance for risk then you only need to be correct somewhere around 20% of the time to break even. Even a blind monkey can do that. Really if you just throw darts at a chart you are going to be right 20% of the time. Since most of the people reading this will be new to the currency markets I highly suggest you acquire a quality education before attempting to trade. Yeah, it is not too tough, if I can do it, surly anybody can. But, I got my education before starting.

William R. Alheim, Jr., CPA, MA – We have researched 100’s of Courses and only listed our TOP 10 COURSES the rest we threw out so you don’t have too. You can also visit http://www.tradingforexreviews.com/ to learn more about Forex Brokerage Firms, Software Systems and Educational Courses. Good Luck! I look forward to seeing you on the trading floor making money!

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What Is Mortgage Life Insurance?

If you have a mortgage and are a home owner, you have most likely heard the pitch for mortgage life insurance. It typically comes in an envelope from your lender and might include a letter from your lender suggesting that you buy a policy.

It is important to realize though, that the insurance itself is sold by insurance companies. Even though it is called “mortgage insurance,” it is in reality decreasing term life insurance that will pay off your mortgage if you pass away.

How Are Premium Payments Planned?

Mortgage life insurance is a decreasing term policy. The policy starts with a death benefit that is equivalent to your existing mortgage balance. The death benefit reduces at the same pace as your mortgage balance. The premium payments never vary but may cease before the loan payment. Your lender may agree to include the premium payments to your monthly mortgage expense.

Is Mortgage Life Insurance Identical to Private Mortgage Insurance (PMI)?

No-mortgage life insurance is commonly befuddled with Private Mortgage Insurance (PMI), but they have little to do with one another. You purchase mortgage life insurance willingly to shelter your family from having to pay the mortgage.

Mortgage lenders require you to buy PMI to shield them (the lenders) from the probability that you will default on the mortgage.

Insurance Tip: Request for insurance agents to estimate their best price for a decreasing term policy in the same amount, period, and interest rate before buying from a sales pitch sent by your mortgage company.

What Is Credit Life Insurance And Credit Disability Insurance?

When financing some kinds of big items – automobile, furniture, audio equipment – there is a good possibility you will be presented with credit life and credit disability insurance. Credit life guarantees to pay your balance if you die. Credit disability will pay your payments if you become disabled and not capable of working.

Credit life is a decreasing term policy. The insurance premiums are typically added into the loan contract. This type of insurance is constantly voluntary and it can be rather costly. Your lender cannot require you to purchase credit life or credit disability insurance.

Although they may have some comparable elements, credit life and credit disability insurance are not the same thing as mortgage life insurance.
What Is A Life Insurance Rider?

A “rider” is something that is supplementary to the basic policy. Riders can be used to either add benefits to the policy or limit benefits previously in the policy. Common riders are as follows:

Accidental death: Double indemnity is an additional name for this rider. It means that the benefits paid by your policy will be two times the face sum of the policy if you die in an calamity.

Approximately twenty percent of policyholders perish in accidents.

The price for an accidental death rider is usually reasonably priced.

Some critics bring up the point that how the policyholder dies has nothing to do with how much money your survivors will need.

Waiver of premium: This rider allows you to cease paying premiums whenever you happen to become disabled and unable to continue working.

It is crucial to comprehend how the rider defines “disabled.” For example, the meaning could be very restrictive and require you to be so extremely disabled that you cannot do any sort of work whatsoever.

A disability policy can also defend you from monetary hardship due to a disability. Depending on the kind of policy you acquire, it could supply capital to pay for all of your living expenditures, not solely your life insurance premium.

Mortgage protection: This rider fundamentally attaches a mortgage life policy to your chief policy.

Other insured: You can insert life benefits for your spouse or children. They may have varying coverage amounts and be subject to medical underwriting, however.

Guaranteed insurability: This rider would characteristically be added to a whole life or universal life insurance policy.

It gives you the right to procure a new policy or amplify the maximum on your existing policy without having to pass another medical assessment.

The rider will most likely indicate how much you can add and at what time you can do it.

The guarantee may not persist after you reach your mid to late forties.

Accelerated death benefit: This permits you use some portion of your death benefit when you have an incurable sickness. Some policies will insert this rider without causing your premium to enlarge.

Insurance Tip: If your agent automatically includes riders when calculating your premium, request the agent to value each rider independently. You can then choose whether you think the additional benefit any rider provides is worth the added rate.

Sarah Martin is a freelance marketing writer based out of San Diego, CA. She specializes in life insurance policies, companies, and advice as well as finance and business. For a free term life insurance quote, please visit http://www.equote.com

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Comparing disability insurance is an effective tool to determine that you are getting the most benefits possible with your invested premium payments. Do not just jump into an application because it promises huge reimbursements taxes non-taxable refunds. You may soon realize that you are actually paying more to maintain the premium, than reap the benefits by which you primarily bought the disability insurance for.

When you compare disability insurance, you lessen the risk of purchasing the wrong quotes and policies and maximize your usage of the benefits the insurers offer. That way, you and your insurance company can work together to reach your financial objectives and goals.

Some steps in comparing disability insurance are discussed here to ensure that your insurance coverage is appropriate, consistent, and well provided for by the company that you chose.

First, categorize disability insurance between short tax and long term. These two basically vary in time length, so simply compare and decide how long you think you are going to be in your profession and business. If you cannot determine the duration of your existing job, do not hastily invest in long term disability insurance policies. After all, short term disability insurance can easily be converted into long term, if you wish.

Second, compare the differences between having individual disability insurance and a group policy. Group policies are generally cheaper and their coverage may not be as much as the more expensive private or individual quotes.

If you are an employee working a low-risk job and your company offers this type of insurance, perhaps a group policy may work better for you. Some people actually invest in more than one disability insurance. This way, their benefits and income reimbursements increase significantly in tax but this, of course, would cost you more on premiums.

Third, compare coverage flexibility. Some policies may increase or decrease in amount, depending on your qualifications on other factors, such as tax advantages and social security. Individual and private disability insurance is the best option to provide the most individualized plan for your financial needs and aspirations.

Fourth, compare disability insurance policy and terms of duration. Good insurance brokers highly recommend a non-cancelable or guaranteed renewable policy, wherein the insurance company cannot terminate or raise your premium without proper permission or due process. In some cases, premiums may only be raised on all policyholders, as a whole.

Fifth and final, compare insurance companies. Online insurance companies are growing more and more in number and the existing ones have official websites, wherein you can easily browse and find out their respective visions and goals, if ever they coincide with yours.

Research is an invaluable method for all policyholders because insurance will be provided only at the most crucial moments; and surely you would not want to avail of it unprepared, or else you will be deprived of many benefits due to lack of information.

Also, having a reputable insurance broker can easily take care of your financial support needs and update you with recent developments, as well as give you tips on how to maximize your benefits and increase your insurance coverage.

Disability insurance can also be compared in terms of additional benefits. Compare how each company defines disability, length of waiting periods, and benefit periods, as well as the riders that can be involved in the quote. Some companies may give specifics in compensating other members of your family during your period of disability.

David Wilkenson is an insurance specialist and contributes to WealthProtector.net, a website that offers information on getting the best short term disability insurance quote.

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Since self-employed individuals are hit with a self-employed tax of about 15 percent on top of regular income tax and, these taxpayers already pay higher rates than corporate tax rates, you can understand why this question is taxes asked.

By the above statement, one would believe that incorporating would make sense just to save on taxes alone. However, as it is looked into deeper you’re likely not saving money in most cases at all.

First, a corporate tax is a tax on corporate profits, not an individual tax. Money that you take out of the corporation in the form of dividends or salary will be taxed on your personal income tax return. The tax advantages become fewer and fewer.

What is it that you really want to get out of incorporation? In regards to blogging and freelancing as an individual, incorporation may not save you tax dollars. Is there something else that you’re looking for that might be of help?

Some corporations will take you more seriously when you are incorporated because this is believed to give your more credibility. For example, certain large business firms will not issue a 1099 tax form for an individual; they only hire incorporated entities.

Health insurance is very necessary and very expensive today. As a bona fide corporation (two or more employees constitute a group) you may be entitled to receive a corporate rate with most insurance companies. This is a big plus in today’s world.

Most corporations allow for some protection from liability so long as you follow corporate formalities. Protecting personal assets from liability is an increasingly important issue for bloggers. This protection can aid in some kinds of judgments.

Don’t be fooled, incorporating doesn’t mean that you can do, promote or write anything that you want and escape liability. Keep things in perspective. Evaluate the many tax mistakes reasons why you should incorporate your business.

The main aspects may be to help you and other employees make more money with the Internet, the ability to have liability protection, increase your credibility, enhance your health insurance rates, and to be able to announce that you have a career not a hobby.

You must consider your plans for the long term. Your current tax situation and your plans for the future can’t be made on a blog post alone. It would be to your advantage to thoroughly discuss all of this information prior to making any permanent decision.

A conversation with your legal or tax tax would be wise to gain insight and understanding for a lawful screening.

Court is an expert on how to make money with the internet and also provides internet marketing strategy.

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Everybody who even perfunctory follows the news must have heard about the string of terrible financial developments in the United States. More and more investment and banking companies are going bankrupt or are being threatened by spreading credit crisis. This is a spillover effect from excessive lending practices during a prolonged housing bull market, which came to an end as a “bursting bubble” over a year ago.

Now more and more companies find themselves in possession of securities tied directly to mortgages issued during that time. With more and more houses going into foreclosures and loosing value, an increasing number financial instruments are rapidly becoming non performing, or outright worthless. Companies holding them are experiencing losses going into billions of dollars. Some of them are becoming insolvent.

Such was the case with Washington Mutual, which was seized by federal authorities and sold at a bargain price to JP Morgan Chase. Washington Mutual set a sad record, becoming the biggest bank to ever fail in USA. But not the only one lately. So far the crisis has claimed 12 banks, investment banks and even insurance companies, like the industry giant American Insurance Group.

To date US Treasury managed to avoid real disaster by stepping and taking over failing institutions or facilitating financing to keep them alive, by lending money to other companies for purchase of weakened rivals. Intervention has cost Treasury hundreds of billions of dollars, including $25 billion to bailout Bear Sterns, $100 billions each for Fannie Mae and Freddie Mac, $85 billion for AIG. This list goes on and on.

Now FED is asking congress for additional $700 billions in order to bail out entire financial industry, by establishing a market for mortgage backed securities. Federal authorities would purchase instrument from most at risk firms. That would set some kind of pricing guidelines for all other such securities, making it possible for all holders of such notes to start trading in them again, potentially lowering risk of owning them.

Nobody really knows if this is going to be enough, but the price of such action will be staggering. With the money already spent and the funds requested, the total bill will surely top $1 trillion dollar by a wide margin. This would signal new wave of borrowing by Treasury, which would last for years and push the total debt level into record and uncharted level.

Dollar lost value while all this was unfolding, and is likely to continue slide until congress works out details of this massive funds infusion. After that it will take some time to see if the steps FED is taking are having desired effect. US dollar will probably stay under pressure during this time. One might expect this to continue through the reminder of 2008.

In order to finance rising level of debt, we can expect to see interest rates rise on USD, which would make Treasury paper more attractive. Combined with economic slow down in the rest of the world, this might prove very bullish for dollar going into 2009. This will only be the case if the interest increases are done in a slow, measured pace and not due to some market panic. This particular scenario is compatible with very long term dollar charts.

We should be watching with interest what comes out of the chambers of congress. Once the funding is granted, it will be up to the financial authorities to prove it is money well spent. If it works even half as well as promised, we should see steady appreciation of Dollar in 2009 and perhaps a little longer.

Mike P. Kulej is a Chief Forex Strategist for Spectrum Forex LLC. He specializes in mechanical trading systems as explained on http://www.spectrumforex.com. Spectrum Forex LLC offers numerous services to individual traders. He also publishes trading blog http://www.fxmadness.com. With questions and comments e-mail him at kulej@spectrumforex.com

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While most people have an understanding of what “pornography” is, I want to take a moment to define it.

According to Webster’s Dictionary online, the two definitions most relevant to this article are as follows:

1) the depiction of erotic behavior (as in pictures or writing) intended to cause sexual excitement; and

2) material (as books or a photograph) that depicts erotic behavior and is intended to cause sexual excitement.

Pornography comes in as many different combinations and types as there are human sexual fantasies and fetishes. The purpose of this article is not to discuss all of those types or to advocate that one is better or more appropriate than another. Instead, my intention is to discuss how “pornography” or “obscenity” has played a historic role in free speech, one of the underpinnings of the United States Constitution.

Supporters of censoring pornography do not typically factor into the equation what suggestions like that have on the role of free speech in this country. In fact, they rarely get beyond the moral or religious argument as their primary basis for eliminating pornography. While I understand the religious argument that can be made, I do not believe that is an appropriate use of legislation… afterall, we also have the separation of church and state issue to concern ourselves with. However, laws to eliminate or restrict the accessibility of pornography and similarly situated policies have historically created truly far-reaching, almost ‘evil’ laws in our history. Without a close watch on similar topics, the same could reoccur today.

An early federal anti-obscenity statute, known as the Comstock law, was passed in 1873 and became the model for a number of state laws. These laws were used for decades to persecute and sometimes destroy early feminists and others who wrote about birth control, venereal disease, or sexual exploitation and even sexual exploration. Further, these laws were the basis for excluding sexual education classes from public schools. It even went so far as to censor scientific, physiological, and anatomical works in many publications.

This extensive suppression of knowledge occurred because the government, in its alleged wisdom, considered information about contraceptives and sexuality to be “obscene.” Because of the government’s position on those subjects, lower income women often suffered, and an excessive number of unwanted pregnancies often ruined their health, drove them to dangerous and sometimes deadly back-alley abortionists.

But governmental censors were more offended by contraceptives and sexuality than by the suffering and death of women. So they prosecuted thousands of people under the “obscenity” laws and drove at least 15 women to suicide. I have no information on how many were convicted, incarcerated, or otherwise punished because of these judgmental laws.

Among them was Ida Craddock, who was imprisoned in 1902 for writing advice manuals on conjugal relations. She continued writing after her release from prison, was arrested again under the Comstock laws, and chose to commit suicide rather than serve a second prison term. Can you imagine a world today where someone goes to prison for writing something they believe in or publicizing information that they want to make available?

The famous birth-control pioneer Margaret Sanger dedicated her life to that movement because of the horrors she had witnessed as an obstetrical nurse in New York. The atrocities included women’s health being destroyed from bearing too many children, women dying from botched abortions, families rendered unable to feed their many members, and the spread of venereal disease. Sanger’s crusade to make contraceptives available to the poor and others caused her to be jailed repeatedly under the Comstock laws. On one occasion, she faced the possibility of spending 45 years in prison.

Fortunately for the health of millions, the government’s persecution did not intimidate her into silence. While awaiting trial, she courageously published everything she knew about birth control in a pamphlet titled “Family Limitation.” It sold 10 million copies and was translated into 13 languages.

Many other women activists were victims of the censors. David A. J. Richards writes that “no group suffered more from censorship under America’s federal and state obscenity laws than dissident American women, [who were] challenging the dominant pro-natalist gender and sexual orthodoxy of their age.”

One group that may have suffered almost as much were critics of traditional religion. Susan Jacoby relates: “As free-thought publications proliferated in the 1880s and 1890s, prosecutions of their editors became more frequent, lending additional support to [the] contention that the anti-obscenity statutes were being used to target atheists, agnostics, and freethinkers.”

Similar censorship problems have occurred in other countries. Materials that governments banned as being “pornographic” included pro-Jewish writings in Nazi Germany, anticommunist tracts in China and the former Soviet Union, and literature written by blacks in South Africa. These are not the only examples of the suppression of free speech, and I believe there are probably other examples out there, but I have not done the research to locate them for this article.

Even today, some in the U.S. would use laws against pornography to censor any number of progressive ideas they find threatening. For example, the Rev. Donald Wildmon, head of the right-wing, American Family Association, supports censorship of pornography. His group’s literature defines pornography as “not dirty words and dirty pictures. It is a philosophy of life which seeks to remove the influence of Christians and Christianity from our society.”

Thus, anything that conflicts with Wildmon’s religious beliefs would apparently be considered pornography and be fair game for governmental censors under the limitations proposed by the American Family Association. That type of attitude is a reason why laws against pornography are so dangerous. The laws can lead to efforts to silence virtually any minority viewpoint.

As American Civil Liberties Union president Nadine Strossen writes in her book Defending Pornography: “Even in societies that generally respect human rights, including free speech, . . . the term ‘pornography’ tends to be used as an epithet to stigmatize expression that is politically or socially unpopular. Accordingly, the freedom to produce or consume anything called ‘pornography’ is an essential aspect of the freedom to defy prevailing political and social mores.” But, as the Founders of this country understood and wrote, the freedom to defy prevailing political and social attitudes and beliefs is essential for progress and enlightenment to occur. Just think, if the Founders had not stood up for what they believed in and put it in writing, would the United States exist today or would we merely be another colony of the United Kingdom?

To assure the freedom to possess, write, purchase, photograph, or record information and speech, be it pornography or something else, the Founders assured this country of that right in the First Amendment to the U.S. Constitution. We must protect what we cherish else we may lose it. Be alert and aware of those you vote for and question anything, including my position in this article, afterall, this is a form of free speech in itself.

Dax Garvin, Attorney and Counselor At law is an experienced Austin DWI Attorney.

I graduated from Texas Tech University School of Law in May, 2002, and was licensed to practice law in Texas that November, following the July, 2002, Texas Bar Exam. Prior to that, I obtained my Bachelor of Science in Criminal Justice from the University of Texas at Tyler and my first years of undergraduate work were spent at Austin College in Sherman, Texas, where I learned the true passion of humanity-recognizing we are all part of one great society.

I worked in the Travis County Attorney’s Office from August, 2002, until October, 2003, when I entered into private practice with a mid-size Austin civil litigation firm, where I enhanced my skills for legal research, writing, motion practice, and working with insurance companies from the defense perspective.

http://www.daxlegal.com

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