Terry Mitchell
I am a software engineer and blogger. You can now have any article and blog post I write for use in your book, newspaper, magazine, ezine, newsletter, website, or whatever. Go to my blog (see link below) and "email me" for details.
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- 6/16/2008
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A.A.S. in Data Processing from John Tyler Community College.
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Displaying Results 1 - 145 (of 145) for All Content
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Homeowners Insurance 101A guide to the difficult task of shopping for homeowners insurance.
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Ten Ways to Become a Better WriterNo matter how skilled and competent we are at writing, there is always room for improvement.
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Tax Consequences of Selling Inherited PropertyThere are many different tax consequences that result form selling property that you have inherited. It is important to be aware of these consequences before you complete the sale.
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30 Ways to Feel Good About YourselfThere are certain things you can do that will make you feel good about yourself. These things are just the opposite of the stuff like greed, selfishness, lust, and laziness, that often leave you feeling guilty, dirty, worthless, empty, and depressed.
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How Air Filters Help Asthma SufferersUsing an air filter can decrease or eliminate the triggers of asthma. Air purifiers for the home are effective at eliminating not only particles but also odors and fumes.
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How to Create Restore Disks for a MacIn the event of a malfunction, the startup disk feature in a Mac computer disk utility application allows people to create a virtual disk to restore their computers to specific settings.
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Filing Taxes as a ContractorBeing an individual contractor has its own rewards, but you will have to file taxes with the Internal Revenue Service much differently than as an individual.
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Tips for Filing an Amended Tax ReturnAn amended tax return is usually filed if you need to make revisions to a previous tax return. Most people file an amended tax return because they need to correct their filing status. -
An Overview of the Alternative Minimum TaxThe alternative minimum tax (AMT) is an extra tax some people have to pay on top of the regular income tax and it is used to recapture their tax liability and some tax benefits. -
Avoiding Bank OverdraftsThe way to overcome bank overdrafts is to not live on the edge where you have to micro-manage your checking account.
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What to Look for when Buying a PrinterTechnology has brought the most convenient way to write and type documents and at the same time perform other tasks-the computer. However, a computer needs to have a printer connected to it before you can see your documents or photos in print.
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How Sea Levels RiseThere are many reasons why sea levels rise. Some would point to human as the main influence while others would simply say it's a natural phenomenon.
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All About IRAsIRA stands for Individual Retirement Account. These types of accounts are personal savings plans. The best candidates for IRAs are those who are looking to save money for retirement.
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The FCC and Media CensorshipTelevision and radio, like any other businesses in a capitalistic society like ours, are and should be governed by the marketplace and the laws of supply and demand.
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Why the BCS System Should Be Replaced with a PlayoffPresident Barack Obama has stated his desire for a playoff system in 1-A (now call Bowl Division) college football, as a replacement for the current BCS system. I totally agree with the president. -
How to Save at the Grocery StoreJust about everywhere you go on the Internet these days you'll find people offering money saving tips. Well, I thought I might as well join in by offering some tips of my own for saving money at the grocery store.
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The Benefits of Saving MoneyThe benefits of saving money are numerous. However, the most important one is that of building a financial firewall against tough economic times, such as the one we are experiencing at the present time.
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A Tip: Is it a Gratuity or an Obligation?Do we need to stop calling a server's tip a gratuity and start classifying it correctly as an obligation?
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A Final Review of the 2008 U.S. Voting SeasonBefore the voting season of 2008 recedes any further into the rearview mirror, I would like to offer a few random thoughts on the subject.
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When Credit Cards Become an AddictionMany Americans are addicted to credit cards. A person knows that credit cards have become an addiction when he or she uses them for the majority of his or her purchases and rarely makes more than the minimum payment(s) each month.
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Cash Balance Pension PlansGenerally speaking, cash balance pension plans resemble defined contribution plans by having an employer credit their employee's retirement account annually. -
The Upfront Costs for Mystery ShoppingMystery shopping is a unique way for consumer-minded companies to receive useful feedback on products, services, and other aspects related to shopping from the perspective of an end customer.
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How to Get a Cat Out of a TreeTraditionally thought of as a lazy-day activity for firefighters, rescuing a house cat that somehow winds up trapped in a tall tree presents quite a task for the uninitiated.
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What to Consider when Converting a Traditional IRA to a Roth IRAMany people now desire to convert their traditional IRAs to Roth IRAs. However, there are some things to take into consideration before doing this. -
How Calcium and Magnesium Imbalance Contribute to Hair LossThere are many factors that affect hair loss. Calcium and magnesium imbalance is a common contributor. -
Will Retirement Soon Be Obsolete?This latest market downturn may be the final death knell for the concept of retirement.
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Have Financial Markets Suffered Permanent Damage?Even after a complete recovery, who will be able to look at our financial markets quite the same again? Indeed, I believe most investors have become a little more cynical and suspicious. -
The Potential Tax Problems of Working Multiple JobsWhen one has multiple employers at a given time, each employer might be withholding taxes as if they are that employee's only employer. That could easily result in not enough taxes being withheld. -
Americans Should Not Envy EuropeansAmericans should not be envying Europeans. If anything, they should be envying us. There are two reasons why I say this: socialism and elitism. Europe, unfortunately, appears to be a bastion of both.
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Are People Turning into Wolves?More and more, people are forsaking independent thought in favor of running with like-minded people like a pack of wolves. They operate like lockstep sycophants, working in tandem and rubberstamping the dogmas of their leaders.
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Current Financial Crisis is Just TemporaryDespite what the doomsayers and Chicken Littles of the world would have us believe, our current financial crisis (if we can even call it that) is just temporary. Yes, the vultures are circling, but there will be no carcass for them to consume. -
Do Falling Gas Prices Decrease Tax Revenues?The other day, I read an article in which the author indicated that one of the problems with falling gas prices is that they decrease the gas tax revenues of the federal government as well as those of state and local governments. -
How I Would Change ChristmasAs much as I hate to say this, I don't look forward to Christmas anymore. Don't get me wrong, I'm no Ebenezer Scrooge, but Christmas has become more of a hassle to me than a celebration. But it is not beyond repair.
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How I Would Change ThanksgivingPerhaps we need an opportunity to get back to the original purpose of Thanksgiving - to take time to thank God for all He's blessed us with throughout the year. Despite the current world economic situation, we are indeed fortunate.
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How the Government Should Bail Out HomeownersNow that the government has decided to bail out all those financial institutions, it seems only fair that it should also offer a bailout to all of their customers who are behind on their mortgage payments.
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Did Bush Try to Usurp Women's Reproductive Decisions?Former President George W. Bush signed an executive order that expanded the rights of doctors, healthcare workers, and pharmacists to refuse to provide patients with various services and treatments, based on their own moral and religious beliefs.
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Laws Should Be Based on Reality, Not PerceptionLaws based solely on perception make no sense. I say this because such a concept opens a Pandora's Box of weirdness in the law that can be taken to any ridiculous length. -
My 25 Favorite Sports Uniforms of All TimeHere is a list of my 25 favorite sports uniforms of all time. Obviously, I'm biased toward the 1970's. And, needless to say, I'm not a fan of most of the new trends in sports uniforms.
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How Modern Pastors Are Derelict in Their DutiesWith the exception of those who pastor fundamentalist churches, most of them refuse to preach about sin or hell anymore. They spend of all of their time in the pulpit focusing on God's love, grace, and forgiveness. -
Now is the Time for Personal ResponsibilityThe fact of the matter is that the lack of personal responsibility on the part many Americans - not anything former President Bush did -- has brought on most of our recent woes.
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Political Correctness Makes Bad MedicineBy all rights, political correctness has no place in medicine. Yet, as in the case with all other aspects of our society, politically correct thinking has managed to get its foot in the door. It's high time we kick it to the curb.
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Overzealous Law Enforcement Strikes AgainChild pornography laws were created to protect innocent children from exploitation by adults, not to protect horny teenagers from each other. -
Remembering Three Presidential ElectionsLast year's presidential election season brough back memories of those from the past, especially the three that occurred during my school years. -
Do Politicians Deserve the Bad Reputation They Have?Politicians are people Americans love to hate. Much of their negative public perception is well-deserved. However, I do feel sorry for them in a way because, sometimes, they just can't win.
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Should We Put Country First?One of the slogans John McCain used during his presidential campaign was "country first" - and he meant it. But should we really put country first? I say no - the rights of its individual citizens should be first and foremost.
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Tax Season: It's Here and I Hate ItI usually get a decent refund, despite the fact that I take every possible exemption on my W-4. Even so, I hate tax season and I'm sorry to see it here again.
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Ten Reasons Why I like Living in VirginiaI have lived in Virginia all my life and - no offense to any other state - I don't think I would want to live anywhere else. There are a lot of characteristics about Virginia that just suit my needs, wants, and preferences. -
The Subjective Concept of Guilt by AssociationI believe the whole notion of guilt by association is subjective. It is never a fact. Like beauty, it is in the eye of the beholder. Yes, Virginia, there are some gray areas in life, and this is certainly one of them.
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Three Reasons I Would Update a Published ArticleI have occasionally been accused of updating and/or postdating published articles to make my various economic or political predictions seem more accurate. Rest assured that I do no such thing.
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Do Labor Unions Have Contempt for the Secret Ballot?Why do unions seem to have so much contempt for the secret ballot process? If their goal is to eliminate the requirement for workers to vote twice, then why not keep the secret ballot vote and do away with the card check vote?
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Why People Hate You for Achieving SuccessWhen or if you achieve some level of success in life, some people are going to hate you for it. You can your mortgage money on that one. Obviously, success draws its share of admiration, but it's guaranteed to rouse some hate as well.
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Why Do We Reward Negative Behavior?More and more, we are becoming a society that rewards and reinforces negative behavior. Then we wonder why bad habits and negative behavior are so prevalent!
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Why a Military Draft is UnconstitutionalWhen and if the U.S. returns to the use of a military draft, it would be clearly unconstitutional. It is a violation of the Fifth Amendment which forbids the government from depriving anyone of "life, liberty, or property without due process of law."
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Why the Fairness Doctrine is UnfairThe Fairness Doctrine is nothing more than suppression of free speech - a blatant assault on the First Amendment. In addition, it is an attack on capitalism and the marketplace of ideas.
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What a Federal Stimulus Package Should IncludeTo increase the odds of its success, I think there are at least ten things should be included in a federal stimulus package.
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Nothing but Contempt for Red-Light RunnersI have nothing but contempt for red-light runners. To me, they are much more dangerous than speeders.
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Colorado Law an Affront to Free SpeechLitigation for defamation and libel should be left to civil courts, as they are more than 99% of the time.
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Campbell Brown's Bias and BullIt should be obvious to even the casual viewer that Campbell Brown severely lacks in-depth knowledge of the issues she covers, so she should be keeping her opinions to herself.
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How to Get Out of an Internet ScamWhen you have been conned by someone who offers a product or service for sale on the Internet and then never delivers it, what's the best and easiest way to get your money back?
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An Aversion to What's Good for UsIt seems strange that we, as humans, seem to be born with a built-in aversion to the things that are good for us.
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Help the Needy, Not the FoolishWe (as Christians) are under no obligation to help people who foolishly fritter away their time or money. And I have Scripture to support this assertion.
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The Only Truly Deadly SinIf we carefully examined the reason why people go to hell, we would discover that the root cause is pride. This kind of deadly pride manifests itself in several ways.
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Use Anger as a MotivatorAnger doesn't have to be a bad thing. It can actually be constructive. We can use it to our advantage by allowing it to motivate us to excel. It order to use anger in this way, we must first consider the reasons we get angry.
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We Should Demand Cable ChoiceConsumers should force the issue of cable choice, backed up with the threat of returning to over-the-air TV.
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Try These Bad Day BustersWhenever you notice that your day is starting to go bad, you may be able to reverse the situation. Try one or more of my "bad day busters."
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What People Really MeanMany times, people will say one thing when they really mean something else. I have provided some examples.
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How to Beat Writer's BlockI would like to share some tips on how to overcome writer's block, based on my experience as a writer and blogger. I hope they will of help to others who have endured this condition from time to time.
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Why Doesn't God Talk to Jesse Ventura?Why does God talk to some people but not others? Does He discriminate? Is He a respecter of persons? I can assure you that the answer to both of the preceding questions is no.
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Why Pick Me for a Travel Survey?I'm going to do this despite the fact that I don't really see the point of my partaking in such a survey. Obviously, no one at the U.S.D.O.T. knows me personally or I would not have been selected as a participant.
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Two Arguments Against Eternal PunishmentOne of the great mysteries of the Bible surrounds the question of whether or not it actually teaches the concept of eternal punishment.
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When the NFL Jumped the SharkI believe the NFL has indeed jumped the shark and it occurred during the 10-year period from 1993 through 2002.
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Twelve Frustrating Ways to Lose a Football GameSome ways of losing a football game are just more frustrating than others. Therefore, I have compiled a list of twelve of the more frustrating ways that games can be lost.
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People Living in a BubbleI'm always perplexed to meet someone who seems to have no interest in or curiosity about anything outside their own little he-said-she-said world.
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How the U.S. Postal Service Inconveniences Its CustomersWhen one uses the U.S. Postal Service to deliver first class mail, that person has everything to lose and nothing to gain. It's a sucker bet, a "heads we win, tails you lose" proposition
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Ten Reasons Why I Have Lost Interest in BaseballI recently did a little introspection and was able to come up with ten reasons for my diminished interest in baseball.
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The Root Cause of Money WorriesIf money were unlimited for me, I would have no reason to hesitate to buy a new car.
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It's Time to Put the Handcuffs on Police Departments!Why is it that four or more screaming cops, with guns drawn, have to shove an unresisting, nonviolent, terrified (and sometimes crying) suspect to the ground and put handcuffs on him?
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The NFL's Improved Schedule-Making ProcessThe NFL's decision to expand to 32 teams and align into eight divisions of four teams each as of 2002 has removed much of the complication and inequity that used to plague its schedule-making process.
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The NFL Needs a New Tie-BreakerI have come to the conclusion that the NFL needs a new tie-breaker: How a team performs during the final weekend should be the first tie-breaker, with all the current tie-breakers falling in line after that.
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The Netflix Model Vs. The HBO ModelI believe services like Netflix compare favorably with premium movie services, like HBO, which have been around for 30 years.
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Do We Really Want the Right to Die?I wonder if the right to die is something we really want? I always shudder a bit when politicians start talking about giving me more rights. Rights have a funny way of morphing into obligations.
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The Five Most Deplorable Wastes of Human LifeAll too often, though, human life is treated as expendable by governments and average citizens alike.
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The Cereal Box of Political ExtremismAll the political extremism that exists on today's World Wide Web makes it a bastion of irrational thought.
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Song Lyrics I've MisheardI don't know about you, but I'm constantly misunderstanding song lyrics. In many cases, I never figure what's actually being sung until I see the words in writing.
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A Better Option Than Employer Provided Healthcare?I strongly disagree with John Stossel's assertion that having the cash to purchase health insurance on one's own is a much more preferable to having an employer spend it on one's behalf on group health insurance.
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How to Frustrate Nuisance CallersOver the years, I've come up with few ways to turn the tables of frustration on nuisance callers and have a little fun at their expense.
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Should You Make Extra Principal Payments?Making extra principal payments is no-brainer, right? Shouldn't everyone be doing it? Well, not really. Here's why.
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Seven Things that Make Me AngryThere are certain things that always get me going no matter how hard I try to ignore them. They get me hot under the collar and I guess they always will.
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A New Option for Serious News?All of the current cable news channels are rife with so much fluff that it's often difficult to discern what the real news is. I would like to see a new kind of cable news channel that only carries serious news.
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How Pastors Can DeceivePastoral sleight of hand occurs when a pastor intentionally and unceremoniously substitutes one biblical principle or concept for another similar, but distinctly different one.
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How Life Changes as We Get OlderYoung people need to realize that many of the things that are so important to them now may not be such a high priority for them when they get older.
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Desperate and Cynical CheatersAny kind of contest, game, bidding, or other type of competition must always be conducted in a controlled environment in which the rules are strictly enforced. Otherwise, there will be those who cheat and skew the results in an unfair manner.
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Remembering Classic Television ShowsMy parents weren't big TV watchers when I was preschooler, so they pretty much let me and my brother watch what we wanted. Back then, they didn't have to worry about the kind of inappropriate stuff that parents have to be concerned about now.
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How Should Christians Share Their Faith?I believe Christians should share their faith, but not in an over-the-top manner that makes people feel uncomfortable.
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John Warner: The Accidental SenatorJohn Warner is one of the most respected members of the Senate. Interestingly enough, his career in the Senate almost never got started.
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Is the NFL's Scarcity of Ties a Good Thing?What has been the major fallout of the scarcity of tie games in the NFL? Curiously enough, it has led to more ties in the standings and has increased the need to utilize tie-breakers.
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When Life Starts Going DownhillMany people say that they would not want to go back in time to their childhood, even if it were possible. That's definitely not the case with me.
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How the NBA Should Realign After the Seattle MoveThe NBA should be prepared to realign four of its divisions due to the geographical impact of a possible move by the Seattle Supersonics to Oklahoma City.
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If I Won the LotteryWhile I rarely buy a lottery ticket, I am not immune to daydreaming about what I would do if I were to win a large sum of money.
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How to Get Rich in AmericaIt's no longer a requirement to earn one's way to wealth, as people have found short cuts to big profits and more dubious methods of acquiring monetary gain.
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The Problem with U.S. Presidential ElectionsWith each succeeding election cycle since 1984, the situation has gotten progressively worse, i.e., the campaign season has grown longer and longer.
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What is the Proper Role of Government?The proper role of government is to do for its citizens what they cannot reasonably do for themselves as individuals.
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America Needs to Be More LibertarianThe United States of America is the freest nation on earth and I am very proud to be an American. However, we still have plenty of room for improvement.
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How to Keep from Shooting Yourself in the FootMany setbacks in life come to us through no fault of our own. However, we bring some of them on ourselves through our own actions or inactions.
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How Political Correctness Affects MeBoth the Left and the Right are constantly trying to infringe on our freedoms by telling us what we can and cannot say or do.
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Reasons to BlogPeople have often asked me why I decided to start a daily blog. Well, there are at least eight reasons.
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Is Security More Important Than Civil Rights?In the wake of 9/11 and subsequent terrorist attacks around the world, there is a real temptation to allow the government to take away some of our most precious rights in exchange for greater security.
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Don't Confuse Cable Broadband with DSLTthere are some major differences between cable and DSL.
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Will We Ever See Cheap Gas Again?I believe we most certainly will - and we won't have to wait a lifetime for it either.
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Could Baseball Ever Return to Montreal?It would seem impossible that baseball could possibly ever return to Montreal. However, I think it could happen, given the right set of circumstances.
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Do We Need Thought Police in America?The way I see it, if there is no victim, there is no crime. Why is that so hard for people like Maggie Gallagher to understand?
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Hypocrisy in American SocietyA person is competent enough to serve in the military and give his life for his country at 18, but must be 21 to drink? How much sense does that make?
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The Problems with Enforcing Immigration LawsThe case of Elvira Arellano is symptomatic of the kinds of obstacles we face when trying to enforce immigration laws in the United States.
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How the Bush Dynasty StartedIt's likely that there would have been no Bush presidencies had it not been for the events of a cold night in Iowa back in the winter of 1980.
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A Lesson Learned from BaseballEven if you're not a baseball fan, there are some lessons for you in this cautionary tale.
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Are Natural Disasters God's Way of Punishing Wickedness?During every hurricane season without fail, I'll hear someone say something to the following effect: " ... God is demonstrating His great displeasure at the fact that people have become so wicked."
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The 2008 Democratic Presidential Primary Season: A ReviewFor those of you who have been sleeping or have given little attention to presidential politics over the last several months, let's review how Barack Obama became the presumptive Democratic presidential nominee.
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True Measures of a Person's Net WorthWe've always heard about people's net worth being measured by the amount of money and/or assets they own. However, I believe a person's true net worth should be measured by other factors instead.
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Was that My Letter to the Editor?A letter about insurance reform that I wrote to the editor of the local newspaper appeared in that publication yesterday morning. However, it did not appear in quite the way that I wrote it.
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How to Have Term Limits for CongressSome groups advocating political reform, along with many members of the media, have been pushing for term limits. I say forget about term limits in Washington as I have a better solution.
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A Different Point of ViewI believe our most fundamental right as human beings is the right to not be bothered if we don't want to be. I am somewhere in between a Goldwater Republican and a libertarian.
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A Radical Idea for Major League BaseballI think it's time that Major League Baseball owners do something that really shakes things up while appealing to the purists and modernists alike.
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A Quick Observation of the Low ClassWe can all learn a valuable lesson about the types of behavior and attitudes to avoid like the plague, simply by observing the characteristics of people we all know are low class.
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Thoughts on Religious FreedomWe have those who think their religious freedom is being violated if they are not allowed to force their religion down everyone else's throat.
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Why the IRS Should Be AbolishedAs long as we have the income tax, we will all continue to be slaves to the IRS. The keys to emancipation can only be found in the replacement of the income tax with a federal sales tax.
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How the Government Should Promote Personal SavingsCongress should get busy and pass legislation to create a Lifetime Savings Account option for taxpayers. There is at least one proposal for this kind of account floating around in Congress right now, with more expected soon.
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Five Ways to Stand Out from the CrowdFor those of us who would rather stand out from the crowd, there are some relatively easy ways in which we can accomplish this mission. None of them require a whole lot of skill or money.
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Was the Prodigal Son Truly Repentant?An analysis of the story of the prodigal son will reveal that he seemed to be sorry only because his sins got him into a frightening situation, not because he was remorseful for what he did.
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Questioning the Future of Satellite TVSatellite TV providers might be in danger of eventually being squeezed into oblivion by the cable and phone companies.
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What's Wrong with PoliticsAs a voting public, we have become entirely too sophisticated for our own good. Many of us have made a habit of voting pragmatically.
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Could a Roth IRA Be Better Than a 401(k)?Very few people whom I know are familiar with the benefits of the Roth IRA. It was named for the late Senator William Roth of Rhode Island, who proposed it.
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A Fresher Take on the World's Biggest LiesI previously did a column about the world's biggest lies and have decided to do a sequel. Here are more common, everyday fallacies that I am debunking.
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The 2008 Republican Presidential Primary Season: A ReviewFor those of you who have been asleep or just haven't paid any attention to presidential politics over the last several months, let's review how John McCain became the presumptive Republican presidential nominee.
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Raise Interest Rates to Lower Oil PricesI believe the thing to do is to about high oil prices is to raise interest rates. All of those interest rate cuts that have been made in the last several months in order to stimulate the economy have cheapened American money too much.
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Eight Common Biblical MisconceptionsHere are some widely held misconceptions about biblical teachings. We're dealing with the Holy Bible here, so it would have been really neat if I had stopped at seven, but I just couldn't resist adding an eighth one.
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Money's Sad Lack of Intrinsic ValueWe have to try to keep in mind the fact that money has only a limited value in our lives. Many of us, including myself, often lose sight of the fact that money is a means to an end, not an end in itself. It has no intrinsic value.
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Common Financial Mistakes that People MakeMany people seem to be in dire financial straits today. Some of them have at least partially brought their situations on themselves because of poor money management habits.
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Who Will Be the Next Moderator of 'Meet the Press'?The unfortunate and untimely death of Tim Russert means that NBC will soon have to pick someone to succeed him at its long-running Sunday morning interview program, Meet the Press. Let's look at a list of possible candidates.
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How to Reform the Tax SystemWe need real tax reform and we need it now. Previous attempts have been made at tax reform, but they have only provided band-aid solutions that have still left us with too many quirks, complication, and read tape.
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Ten Red Flags for Spotting Internet ScammersHere are some sure-fire ways to spot Internet scammers. Hopefully, this comes before you have gotten scammed by one of them.
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The Hypocrisy of Insider Trading LawsPerhaps I'm the only person on earth who can see the hypocrisy of insider trading laws. In my opinion, these laws run counter the notion we accept in every other aspect of society that life is unfair
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Several Red Flags for Spotting a Phony or ScamTo all potential victims, I offer some tips for spotting phonies and scams. There are several red flags you need to watch out for. Any of them is almost always a dead giveaway that you have encountered a potential phony or scammer.
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How the Jury System Should Be ReformedI know the Constitution guarantees the accused a right to a jury of his or her peers, but times have changes over the last 200-plus years and we need to make adjustments accordingly. There are two changes I would suggest we make as soon as possible.
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Maximizing the Benefit of Your Rewards Credit CardsFor those of us who know how to use them properly, credit cards can actually be quite fun and lucrative. I'm talking about taking full advantage of the benefits and offers that credit card companies and store chains offer their customers all the time.
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A Fresh Take on the World's Biggest LiesI'm going to take this opportunity to refute some common, everyday fallacies by adding a few of my own to the list along with a brief explanation of each.