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    Rising Interest Rates Can Work to Your Advantage
    The news is filled with stories about people having difficulty making payments on their mortgages in the face of steady increases in interest rates. What was once a fabulous deal for them has quickly turned into an albatross, something that could threaten their financial viability. Lost in all of this are those people who not only benefit, but thrive during times of higher interest rates. How about you? Are higher interest rates working to your benefit or not?If you live on a fixed income, then you have suffered long enough with dismal returns on your savings. Likely, the bulk of your monies are tied up in a safe financial vehicle such as certificates of deposits. If so, then you suffered long enough with returns of 1.25% or so. Today, interest rates are climbing, so much so that a return of 4.5%, 5% or even higher is possible. This has meant an immense relief for people who live on interest income and want their savings to last them for the rest of their lives.Of course, not every financial institution is paying the higher rates so it is imperative that consumers shop around for the best returns. Places to look include:Online institutions such as ING Direct, HSBC Direct, and Netbank. Recent rates on CDs show an average of just over five percent on CDs with terms of one year or longer. This rate is above inflation, currently running at about 3 to 4 percent.Select Credit Unions. Keeping up with online financial institutions, some credit unions are paying higher than industry average rates to attract and retain funds. Their competition is now any bank across the county, indeed throughout the world. Thus, to remain competitive, higher yielding rates are in order.Bank Specials. To woo new deposits, some fixed base financial institutions are offering limited time specials paying a bonus rate of CDs. There may be some restrictions with these banks that the others don’t have, such as a minimum deposit of $50,000 or a longer term – such as two years – for the CD versus six months or one year with other offers. Still, this is an option worthy of your consideration especially if you wish to see your account grow locally.Certainly, the options today to earn a better return on your money are in place. Shop around for the best deal and you will be one consumer who has thoroughly taking advantage of rising interest rates.
    determined insurgents.

    A key factor in the Sunni success was their high mobility and command and coordination. They changed positions swiftly and often in small numbers of only two or three men, melting away and then reemerging in different positions. Indeed, during the battle, US troops were not just fighting across one side of the street to the other, but they were taking fire from all different directions at once, and were frequently forced to run for their lives, abandoning building after building.

    What made Haifa different was from a military standpoint that was the insurgents were more than able to fight the American over a long period in a more classical-style war conflict situation. The Sunni were commanded and co-ordinated in highly professional way and acted with discipline and a high degree of flexibility. They furthermore applied novel tactics that were used to great effect and which the US troops were unable to respond to. At times the guerrillas ran rings around helpless US units and looked near to inflicting a defeat on them, despite having a manpower deficit of some 4 or 5 to 1 in the US favour and one to ten if one bothers to count the Iraqi Army.

    The poor US performance must increase reservations about their ability to clear Baghdad of militias and insurgents. At the same time, in the week long battle, Iraqi forces showed more evidence of their inability and unreadiness to take on insurgents, casting further doubt on their potential for success in both the first wave and then in the critical second phase of coming operations, when they are expected to of hold onto areas liberated by US troops. While the US and Iraqi forces appeared uncoordinated and lacking in trust, the new phenomenon for the insurgents was the collaboration in combat of around 12 different insurgent troops, prepared to subjugate themselves to a common command. Finally, there appeared to be a definite deficit in levels of morale between the two battling sides – the insurgents coming out on top, while the US, and, especially the Iraqis not showing the same le

    Owning A Property is No More Obligatory with Tenant Loan
    Tenant loan are the unsecured personal loans designed for the people who do not own a property and who do not want to undertake risk on their property.Today many of the banks, financial institution, building societies and other private lenders offer such loan. Moreover, due to the presence of the number of lenders, the person is able to get competitive rate of interest.Though the tenant loan is designed to meet the needs of non homeowners, but the emphasis is largely on the tenants. Tenants generally include certain groups of people such as the people who live on rent or the person living with their parents.Tenant loan being an unsecured loan they are best suited to people who are financially stable and can keep up with the monthly repayments.Like any other loan it can be used for any purpose, including for buying a house or car or exploring business opportunities or even consolidating debts. It provides a great assistance to person in the condition of financial crisis.There are certain documents, which the person has to provide to the lender in order to avail the loan. They are:•Employment proof•Residence proof•Current bank account proof•Residence proofIn tenant loan, there is no risk associated with the property. This can be considered as positive aspect of the tenant loan. But this doesn’t mean that the person becomes lenient in making repayments. In tenant loan as well, the lender has a legal right take action against him if he misses any payments. So it becomes necessary for every borrower to evaluate his financial status before going for loan. That is, he must know that how much he can afford himself and can he support all his repayments.The person can also apply for tenant loan despite of his credit score. Now even the person with bad credit score can apply for the tenant loan. While applying for loan, the person must ensure that he furnishes all accurate and true information. This will help the lender in assessing your needs and demands, so that he can cater you the service which will help you to overcome your financial problem.The disadvantage of tenant loan is that the person cannot avail the larger amount. In case of the person needs larger amount, the lender demands for the collateral as security against the risk involved in the loan deal.Eventually, tenant loan can be considered as an easiest and the safest mode to get the money.
    Monitoring Iraq is now like watching a weather map of the Mid-West in tornado season. From every, unexpected direction all hell breaks loose with an unpredictability and novelty that we haven’t quite witnessed before. In the madness and complexity that is Iraq, the US surge is provoking a counter-surge of exceptional clashes, which are wilder, weirder and fiercer than in the past. A serious of unrelated, but successive events, including the intense battles for Haifa Street; the “Mission Impossible” attack on the Karbala Security Centre and an attack by an armed cult on the holy city of Al-Najaf, seems to be taking the struggle into an extraordinary and almost eccentric stage. What might before have had some “method in its madness,” appears to be giving way to a sort of “madness in its method.” Until now the “usual suspects, ”i.e., hit-and-run attacks on US forces, tit-for tat sectarian killings and market bombings, while random, had, nevertheless, acquired a certain, strange “predictability”. But now the political “order” seems more like a tank of dancing gas molecules, where spontaneous combustion is the order of the day.

    Recent events have been crammed with incongruity and paradoxes, sometimes verging on the absurd. The character of the insurgency has acquired starkly, contradictory features making it seem more like asymmetrical war in a hall of mirrors. On the one hand, there is a level of unity, professionalism, discipline and commitment, not seen before. While, on the other hand, there is a risqu?, recklessness and bravado in their actions which sometimes has features of the downright bizarre or absurd. This all reflects a heightened level of social tension and despair, which comes not only from the impasse and suffering, but a sense that this is the “last chance saloon.” There is an odour of mania in the air, and a strong foreboding that something horrendous is about to happen.

    This now means that all the old methods of trying to establish and maintain some form of order are redundant, and only the most novel and obscure of solutions can save the day. In such exceptional circumstances conservative thought is not only inadequate, but also categorically counterproductive. Likewise, solutions once considered contenders for national regeneration, now only lead events more quickly in the direction of destruction. Given the contradictions inherent in the situation and the nature of the main players, the outlook is bleak. Only a force exterior to and independent of all the main players (including and especially, the USA) could now offer a way out. Furthermore, such an unlikely trajectory must present itself quickly, because the inflammable material in society is so dense that an event can take now place, at any moment, which will catapult the situation beyond anyone’s control and proceed in ways, and at a speed, not hitherto imagined.

    Al-Najaf: Insurgent Insanity
    If the siege of Waco proved a handful for US law enforcement, the US now finds itself fighting two insurgent cults; Al Qaeda on the Sunni side and Jund al-Samaa or the “Soldiers of Heaven” on the Shi’ite flank. On January 28th,Iraqi forces, with US air support, faced off a huge group of fanatical, armed cult members trying to storm the holy city of Al-Najaf, their wives and children with them. The attack was suicidal lunacy from a military standpoint, given that Karbala was ringed with multiple, concentric bands of defenses for the purpose of protecting the holiest Shi’ite site during its most important religious pilgrimage. Nevertheless, the cult seemed to be whipped up in a manic, delusional belief that they could break through and massacre pilgrims and key Shi’ite clerics. This was part of a plan to provoke the reappearance of the “Hidden Imam,” a Shi’ite saint from 9th century, whom they believe will establish justice and peace throughout the world.

    To make things more complex, the group, which has mostly Shi’ite members, also attracts some Sunnis. And just to muddy the picture further, they were reported to have had support from some of the local population, as well as some foreign fighters and Saddam loyalists.

    About 800 of them fought a two-day pitched battle with the Iraqi Army, which was forced to retreat and call in US airpower. The group was heavily armed and used anti-aircraft missiles to bring down one American helicopter. The battle finally ceased after around 200 insurgents were killed, including the cults leader, reportedly armed with a hat and coat and two pistols. Perhaps Nietzsche was right when he observed, “in individuals, insanity is rare; but in groups, parties, nations and epochs, it is the rule.”

    Mission “Possible”: Audacity and precision bordering on the fictitious.
    The weekend before Al-Najaf, around 30, almost certainly Sunni insurgents, disguised themselves and a number of SUVs to look like US military brass, and, then, nonchalantly drove through 3 check points into the secure compound of the Karbala Provincial Joint Coordination Centre, where the US military had convened a meeting to discuss security for the upcoming, Ashura pilgrimage. Having entered the compound, the insurgents coolly picked out only American troops, killing 5 of them and leaving all Iraqi soldiers unharmed. They then left and passed back through the same checkpoints unheeded.

    The operation had all the audacity and planning of a Western special forces undertaking, with almost Hollywood scale drama. But what exactly was the purpose of this expensive, high risk adventure? Propaganda value? Yes, but, perhaps more ominously, by kidnapping and shooting only Americans, it was a form of psychological warfare, almost as if they were making a statement, or delivering a menace telling the enemy that “we’re coming to get you… And you have nowhere to hide!” And, moreover, “from now on you will be treated just like sectarian victims. Expect to be tortured and executed!”

    Of course the Americans are incredulous and immediately blamed the Iraqis, pointing to collaboration and raising again the question of being able to trust them in any operations. There certainly is some explaining to do and some almost unbelievable security blunders. Undoubtedly, insider information was involved, but one can’t get away from the sophistication and daring of a methodically and meticulously prepared operation, carried out so easily against such a superior foe. Strategists can only be shocked, because it also says that if the Iraqi Army can’t implement one single high level security operation, and protect top brass and VIPs, what hope has it of battening down Baghdad, a city of 6 million people!

    The Battle for Haifa Street – A new tenacity and professionalism
    This month’s battle for Haifa Street was the first inkling of a new Sunni strategy in the face of the anticipated US offensive. From the 4th to the 12th of January, for up to 12 hours a day for almost a week around 1,000 US and Iraqi troops were fought to standstill by 100 or so Sunni insurgents in a fire fight of a character and intensity not normally witnessed before.

    Unlike most previous insurgent attacks, which are characterized by hit and run tactics, opportunistic sniper fire or roadside bombs, this was a sophisticated, well-commanded and coordinated assault by up to a dozen different Sunni insurgent groups, collaborating together. It was evidently a well-planned and implemented operation with the express intention of engaging large scale US and Iraqi forces in persistent, relentless and tenacious, close-quarter, urban combat.

    Militarily, the battle at Haifa Street was important from a number of standpoints. Firstly, the combined efforts of US and Iraqi forces were unable to defeat the insurgents. The 500 US troops engaged there could neither contain nor crush what were probably at most 100 insurgents. Moreover, the weakness of the Iraqi forces and the big doubt over whether they could hold onto areas after the US withdraws was exposed. There were some 400 Iraqi Army involved and, if they had faced the attack on their own would have been routed. The 500 US troops were fought to a standstill, even though they enjoyed the advantage of air support in the form of repeated assaults by apache attack helicopters and even F-15 jet fighters, which proved worthless in dislodging the determined insurgents.

    A key factor in the Sunni success was their high mobility and command and coordination. They changed positions swiftly and often in small numbers of only two or three men, melting away and then reemerging in different positions. Indeed, during the battle, US troops were not just fighting across one side of the street to the other, but they were taking fire from all different directions at once, and were frequently forced to run for their lives, abandoning building after building.

    What made Haifa different was from a military standpoint that was the insurgents were more than able to fight the American over a long period in a more classical-style war conflict situation. The Sunni were commanded and co-ordinated in highly professional way and acted with discipline and a high degree of flexibility. They furthermore applied novel tactics that were used to great effect and which the US troops were unable to respond to. At times the guerrillas ran rings around helpless US units and looked near to inflicting a defeat on them, despite having a manpower deficit of some 4 or 5 to 1 in the US favour and one to ten if one bothers to count the Iraqi Army.

    The poor US performance must increase reservations about their ability to clear Baghdad of militias and insurgents. At the same time, in the week long battle, Iraqi forces showed more evidence of their inability and unreadiness to take on insurgents, casting further doubt on their potential for success in both the first wave and then in the critical second phase of coming operations, when they are expected to of hold onto areas liberated by US troops. While the US and Iraqi forces appeared uncoordinated and lacking in trust, the new phenomenon for the insurgents was the collaboration in combat of around 12 different insurgent troops, prepared to subjugate themselves to a common command. Finally, there appeared to be a definite deficit in levels of morale between the two battling sides – the insurgents coming out on top, while the US, and, especially the Iraqis not showing the same lev

    10 Ways To Use Speaking to Further Your Career Goals
    Professional speaking is one of the easiest ways to enhance your career. Opportunities abound; no matter how experienced or inexperienced. The more you speak the better you will become. You will establish a reputation as someone knowledgeable in your field and people will contact you for speaking opportunities as a result.Everyone has to start somewhere. Here are 10 ways learning to be a speaker can enhance your career.1. When you speak you automatically assume the role of an expert. People are coming to hear what you say, right? That routinely positions you in the role of an expert. The more credentials you add to your "expert" status the more valuable you become.2. Speakers get high profile visibility. Look to get your name included in programs, brochures, email announcements, agendas and other handouts, press announcements and online posting of conference materials. This is especially important when you are starting out and are not being paid. Ask up front what type of PR they will be doing for the event. NOTE: Pay attention to important submission deadlines.3. As a speaker, you get to meet other colleagues and associates. It?s a place where you can chat up your competition without any repercussions. Look to see who's on the agenda and make sure to meet as many other speakers as you can. Ask them to keep you in mind at other events where they might be speaking.4. Speaking can open doors to people you want to meet. It?s easy to pick up the phone and ask someone to come to your event or send them an email invitation. Even if they can't attend it will position you as someone of note. It?s also a great way to follow up with a copy of your name in print as an expert on the program.5. The media looks for speakers at conferences and events as potential interviews. Make a point of introducing yourself to the media. It gives you an excellent way to follow up for future conversations. Add the media to your master press list and send them announcement any time you are speaking. Note: Don't just blast a boring announcement. Spice it up with some clever opening subject line.6. Speaking enables you to come back with report on other events and activities. Make sure you listen to the other speakers not only as a benchmark to your expertise but to learn something new. If you are an employee, be sure and follow up your presentation with a report to your boss. Send a note to associates on anything you found of interest.7. Often you can attend other sessions free of charge. Take advantage of this opportunity. Some times conferences are running c
    the day. In such exceptional circumstances conservative thought is not only inadequate, but also categorically counterproductive. Likewise, solutions once considered contenders for national regeneration, now only lead events more quickly in the direction of destruction. Given the contradictions inherent in the situation and the nature of the main players, the outlook is bleak. Only a force exterior to and independent of all the main players (including and especially, the USA) could now offer a way out. Furthermore, such an unlikely trajectory must present itself quickly, because the inflammable material in society is so dense that an event can take now place, at any moment, which will catapult the situation beyond anyone’s control and proceed in ways, and at a speed, not hitherto imagined.

    Al-Najaf: Insurgent Insanity
    If the siege of Waco proved a handful for US law enforcement, the US now finds itself fighting two insurgent cults; Al Qaeda on the Sunni side and Jund al-Samaa or the “Soldiers of Heaven” on the Shi’ite flank. On January 28th,Iraqi forces, with US air support, faced off a huge group of fanatical, armed cult members trying to storm the holy city of Al-Najaf, their wives and children with them. The attack was suicidal lunacy from a military standpoint, given that Karbala was ringed with multiple, concentric bands of defenses for the purpose of protecting the holiest Shi’ite site during its most important religious pilgrimage. Nevertheless, the cult seemed to be whipped up in a manic, delusional belief that they could break through and massacre pilgrims and key Shi’ite clerics. This was part of a plan to provoke the reappearance of the “Hidden Imam,” a Shi’ite saint from 9th century, whom they believe will establish justice and peace throughout the world.

    To make things more complex, the group, which has mostly Shi’ite members, also attracts some Sunnis. And just to muddy the picture further, they were reported to have had support from some of the local population, as well as some foreign fighters and Saddam loyalists.

    About 800 of them fought a two-day pitched battle with the Iraqi Army, which was forced to retreat and call in US airpower. The group was heavily armed and used anti-aircraft missiles to bring down one American helicopter. The battle finally ceased after around 200 insurgents were killed, including the cults leader, reportedly armed with a hat and coat and two pistols. Perhaps Nietzsche was right when he observed, “in individuals, insanity is rare; but in groups, parties, nations and epochs, it is the rule.”

    Mission “Possible”: Audacity and precision bordering on the fictitious.
    The weekend before Al-Najaf, around 30, almost certainly Sunni insurgents, disguised themselves and a number of SUVs to look like US military brass, and, then, nonchalantly drove through 3 check points into the secure compound of the Karbala Provincial Joint Coordination Centre, where the US military had convened a meeting to discuss security for the upcoming, Ashura pilgrimage. Having entered the compound, the insurgents coolly picked out only American troops, killing 5 of them and leaving all Iraqi soldiers unharmed. They then left and passed back through the same checkpoints unheeded.

    The operation had all the audacity and planning of a Western special forces undertaking, with almost Hollywood scale drama. But what exactly was the purpose of this expensive, high risk adventure? Propaganda value? Yes, but, perhaps more ominously, by kidnapping and shooting only Americans, it was a form of psychological warfare, almost as if they were making a statement, or delivering a menace telling the enemy that “we’re coming to get you… And you have nowhere to hide!” And, moreover, “from now on you will be treated just like sectarian victims. Expect to be tortured and executed!”

    Of course the Americans are incredulous and immediately blamed the Iraqis, pointing to collaboration and raising again the question of being able to trust them in any operations. There certainly is some explaining to do and some almost unbelievable security blunders. Undoubtedly, insider information was involved, but one can’t get away from the sophistication and daring of a methodically and meticulously prepared operation, carried out so easily against such a superior foe. Strategists can only be shocked, because it also says that if the Iraqi Army can’t implement one single high level security operation, and protect top brass and VIPs, what hope has it of battening down Baghdad, a city of 6 million people!

    The Battle for Haifa Street – A new tenacity and professionalism
    This month’s battle for Haifa Street was the first inkling of a new Sunni strategy in the face of the anticipated US offensive. From the 4th to the 12th of January, for up to 12 hours a day for almost a week around 1,000 US and Iraqi troops were fought to standstill by 100 or so Sunni insurgents in a fire fight of a character and intensity not normally witnessed before.

    Unlike most previous insurgent attacks, which are characterized by hit and run tactics, opportunistic sniper fire or roadside bombs, this was a sophisticated, well-commanded and coordinated assault by up to a dozen different Sunni insurgent groups, collaborating together. It was evidently a well-planned and implemented operation with the express intention of engaging large scale US and Iraqi forces in persistent, relentless and tenacious, close-quarter, urban combat.

    Militarily, the battle at Haifa Street was important from a number of standpoints. Firstly, the combined efforts of US and Iraqi forces were unable to defeat the insurgents. The 500 US troops engaged there could neither contain nor crush what were probably at most 100 insurgents. Moreover, the weakness of the Iraqi forces and the big doubt over whether they could hold onto areas after the US withdraws was exposed. There were some 400 Iraqi Army involved and, if they had faced the attack on their own would have been routed. The 500 US troops were fought to a standstill, even though they enjoyed the advantage of air support in the form of repeated assaults by apache attack helicopters and even F-15 jet fighters, which proved worthless in dislodging the determined insurgents.

    A key factor in the Sunni success was their high mobility and command and coordination. They changed positions swiftly and often in small numbers of only two or three men, melting away and then reemerging in different positions. Indeed, during the battle, US troops were not just fighting across one side of the street to the other, but they were taking fire from all different directions at once, and were frequently forced to run for their lives, abandoning building after building.

    What made Haifa different was from a military standpoint that was the insurgents were more than able to fight the American over a long period in a more classical-style war conflict situation. The Sunni were commanded and co-ordinated in highly professional way and acted with discipline and a high degree of flexibility. They furthermore applied novel tactics that were used to great effect and which the US troops were unable to respond to. At times the guerrillas ran rings around helpless US units and looked near to inflicting a defeat on them, despite having a manpower deficit of some 4 or 5 to 1 in the US favour and one to ten if one bothers to count the Iraqi Army.

    The poor US performance must increase reservations about their ability to clear Baghdad of militias and insurgents. At the same time, in the week long battle, Iraqi forces showed more evidence of their inability and unreadiness to take on insurgents, casting further doubt on their potential for success in both the first wave and then in the critical second phase of coming operations, when they are expected to of hold onto areas liberated by US troops. While the US and Iraqi forces appeared uncoordinated and lacking in trust, the new phenomenon for the insurgents was the collaboration in combat of around 12 different insurgent troops, prepared to subjugate themselves to a common command. Finally, there appeared to be a definite deficit in levels of morale between the two battling sides – the insurgents coming out on top, while the US, and, especially the Iraqis not showing the same le

    What Every Newbie Needs To Know About Forex Trading
    Forex trading has fast become one of the hottest topics around these days as a way for people to invest and get rich. But is forex trading really an easy and surefire way to grow rich or is it just another risky venture? Undoubtedly, there are key fundamentals that anyone interested in forex trading should know before even attempting it.Forex, also known as "FX" for some, is short for foreign exchange. Forex trading doesn't get in the big press like stocks, options or commodities trading. However, it is the biggest market in the world and it presents investors with an amazing opportunity for profit.Forex trading involves the buying and selling of currencies between various countries. This is unlike stocks or commodities trading where money is used to buy a certain stock or commodity. In forex trading, you either make or lose money based on the exchange rate between a pair of currencies.Unlike other forms of trading, forex trading is not investing in any single company or even a group of companies. Forex trading is the investment in the economy of a nation. What you are doing in forex trading is laying a bet that the overall economic wellbeing of the first nation will improve in relation to that of a second nation.Let’s take for example that you are analyzing the Japanese Yen and the US Dollar. The research you did seems to indicate that the US dollar is quite undervalued and is going to rise in price, while at the same time you anticipate that the Japanese Yen will be dropping in value. Then now would be a time for you to execute a trade to buy US dollars and sell Japanese yen. If your predictions are correct and the US dollar rises in value while the Japanese Yen drops, you will turn a profit!Now, you may be asking: “Is forex trading really that simple?” In actual fact, it is not as simple as that. The prices of different currencies are amazingly difficult to forecast because there are a lot of factors that can contribute to a change in exchange rates. One of the most important aspects to remember in forex trading is that you always trade in pairs of currencies. You will always buy one currency and sell another, so in order to make an accurate decision, you can not just look at one nation's economy; you need to look at both.Obviously, there is no need for you to limit yourself to only one pair of currencies in forex trading. There are dozens of different currencies to choose from on the forex trading market. However, if you are a beginner in forex trading and is just starting out, I would strongly suggest that you stick to the seven major curr
    of them fought a two-day pitched battle with the Iraqi Army, which was forced to retreat and call in US airpower. The group was heavily armed and used anti-aircraft missiles to bring down one American helicopter. The battle finally ceased after around 200 insurgents were killed, including the cults leader, reportedly armed with a hat and coat and two pistols. Perhaps Nietzsche was right when he observed, “in individuals, insanity is rare; but in groups, parties, nations and epochs, it is the rule.”

    Mission “Possible”: Audacity and precision bordering on the fictitious.
    The weekend before Al-Najaf, around 30, almost certainly Sunni insurgents, disguised themselves and a number of SUVs to look like US military brass, and, then, nonchalantly drove through 3 check points into the secure compound of the Karbala Provincial Joint Coordination Centre, where the US military had convened a meeting to discuss security for the upcoming, Ashura pilgrimage. Having entered the compound, the insurgents coolly picked out only American troops, killing 5 of them and leaving all Iraqi soldiers unharmed. They then left and passed back through the same checkpoints unheeded.

    The operation had all the audacity and planning of a Western special forces undertaking, with almost Hollywood scale drama. But what exactly was the purpose of this expensive, high risk adventure? Propaganda value? Yes, but, perhaps more ominously, by kidnapping and shooting only Americans, it was a form of psychological warfare, almost as if they were making a statement, or delivering a menace telling the enemy that “we’re coming to get you… And you have nowhere to hide!” And, moreover, “from now on you will be treated just like sectarian victims. Expect to be tortured and executed!”

    Of course the Americans are incredulous and immediately blamed the Iraqis, pointing to collaboration and raising again the question of being able to trust them in any operations. There certainly is some explaining to do and some almost unbelievable security blunders. Undoubtedly, insider information was involved, but one can’t get away from the sophistication and daring of a methodically and meticulously prepared operation, carried out so easily against such a superior foe. Strategists can only be shocked, because it also says that if the Iraqi Army can’t implement one single high level security operation, and protect top brass and VIPs, what hope has it of battening down Baghdad, a city of 6 million people!

    The Battle for Haifa Street – A new tenacity and professionalism
    This month’s battle for Haifa Street was the first inkling of a new Sunni strategy in the face of the anticipated US offensive. From the 4th to the 12th of January, for up to 12 hours a day for almost a week around 1,000 US and Iraqi troops were fought to standstill by 100 or so Sunni insurgents in a fire fight of a character and intensity not normally witnessed before.

    Unlike most previous insurgent attacks, which are characterized by hit and run tactics, opportunistic sniper fire or roadside bombs, this was a sophisticated, well-commanded and coordinated assault by up to a dozen different Sunni insurgent groups, collaborating together. It was evidently a well-planned and implemented operation with the express intention of engaging large scale US and Iraqi forces in persistent, relentless and tenacious, close-quarter, urban combat.

    Militarily, the battle at Haifa Street was important from a number of standpoints. Firstly, the combined efforts of US and Iraqi forces were unable to defeat the insurgents. The 500 US troops engaged there could neither contain nor crush what were probably at most 100 insurgents. Moreover, the weakness of the Iraqi forces and the big doubt over whether they could hold onto areas after the US withdraws was exposed. There were some 400 Iraqi Army involved and, if they had faced the attack on their own would have been routed. The 500 US troops were fought to a standstill, even though they enjoyed the advantage of air support in the form of repeated assaults by apache attack helicopters and even F-15 jet fighters, which proved worthless in dislodging the determined insurgents.

    A key factor in the Sunni success was their high mobility and command and coordination. They changed positions swiftly and often in small numbers of only two or three men, melting away and then reemerging in different positions. Indeed, during the battle, US troops were not just fighting across one side of the street to the other, but they were taking fire from all different directions at once, and were frequently forced to run for their lives, abandoning building after building.

    What made Haifa different was from a military standpoint that was the insurgents were more than able to fight the American over a long period in a more classical-style war conflict situation. The Sunni were commanded and co-ordinated in highly professional way and acted with discipline and a high degree of flexibility. They furthermore applied novel tactics that were used to great effect and which the US troops were unable to respond to. At times the guerrillas ran rings around helpless US units and looked near to inflicting a defeat on them, despite having a manpower deficit of some 4 or 5 to 1 in the US favour and one to ten if one bothers to count the Iraqi Army.

    The poor US performance must increase reservations about their ability to clear Baghdad of militias and insurgents. At the same time, in the week long battle, Iraqi forces showed more evidence of their inability and unreadiness to take on insurgents, casting further doubt on their potential for success in both the first wave and then in the critical second phase of coming operations, when they are expected to of hold onto areas liberated by US troops. While the US and Iraqi forces appeared uncoordinated and lacking in trust, the new phenomenon for the insurgents was the collaboration in combat of around 12 different insurgent troops, prepared to subjugate themselves to a common command. Finally, there appeared to be a definite deficit in levels of morale between the two battling sides – the insurgents coming out on top, while the US, and, especially the Iraqis not showing the same le

    Are You Using a Chess or Checkers Small Business Marketing Strategy?
    Until the day I learned to play chess I loved playing checkers. Both games require a strategy that maximizes a player’s ability to capture her opponents pieces without first losing her own. Checkers was fun. But the complexities of chess lead to more satisfying victories and defeats.Chess is a more complicated game than checkers as there are more variables. Therefore, much more thought and concentration is required to win a game of chess than is required to win a game of checkers.Like chess, marketing your business is a complicated endeavor. A successful chess player anticipates future moves and will position his pieces in such a way that each piece helps add strength to other pieces already in place.A successful marketing strategy is no different than a winning chess strategy. Every move you make must reinforce previous and future moves. Instead of rooks, bishops and queens the moves made in the game of marketing are made with advertisements, web sites, marketing messages, brochures and so on.As a small business owner you don’t risk losing pieces to your opponent you risk losing business to your competitors.Great chess players have a strategy that helps them win with consistency. Here’s a marketing strategy you can use to consistently win new business.Focus Your MarketingTarget your market with a marketing message that speaks directly to the population you serve. A marketing message is a phrase or sentence that clearly demonstrates who you help and the problems you solve.Develop and use your marketing message as often as you can. Doing so will help get your business get noticed by those most likely to buy from you. Use your marketing message in your marketing materials, your website and any and everywhere your business comes in contact with potential clients.Effective use of a marketing message can be a small business owner’s best friend. A good one will work hard for you to generate new business and will never ask for anything in return.Inspire ActionOnce you’ve used your marketing message to grab hold of your prospects’ attention, be it at your website, after reading one of your ads or an article you’ve written, be sure you clearly instruct them to take the action you want. It doesn’t matter what the action is as long as it requires them to provide you their contact information so you may continue marketing to them.Offer something useful and free in exchange for their information. Give away free recipes if you’re a caterer or tips on designing bouquets if you’re a florist. Just be cert
    , but one can’t get away from the sophistication and daring of a methodically and meticulously prepared operation, carried out so easily against such a superior foe. Strategists can only be shocked, because it also says that if the Iraqi Army can’t implement one single high level security operation, and protect top brass and VIPs, what hope has it of battening down Baghdad, a city of 6 million people!

    The Battle for Haifa Street – A new tenacity and professionalism
    This month’s battle for Haifa Street was the first inkling of a new Sunni strategy in the face of the anticipated US offensive. From the 4th to the 12th of January, for up to 12 hours a day for almost a week around 1,000 US and Iraqi troops were fought to standstill by 100 or so Sunni insurgents in a fire fight of a character and intensity not normally witnessed before.

    Unlike most previous insurgent attacks, which are characterized by hit and run tactics, opportunistic sniper fire or roadside bombs, this was a sophisticated, well-commanded and coordinated assault by up to a dozen different Sunni insurgent groups, collaborating together. It was evidently a well-planned and implemented operation with the express intention of engaging large scale US and Iraqi forces in persistent, relentless and tenacious, close-quarter, urban combat.

    Militarily, the battle at Haifa Street was important from a number of standpoints. Firstly, the combined efforts of US and Iraqi forces were unable to defeat the insurgents. The 500 US troops engaged there could neither contain nor crush what were probably at most 100 insurgents. Moreover, the weakness of the Iraqi forces and the big doubt over whether they could hold onto areas after the US withdraws was exposed. There were some 400 Iraqi Army involved and, if they had faced the attack on their own would have been routed. The 500 US troops were fought to a standstill, even though they enjoyed the advantage of air support in the form of repeated assaults by apache attack helicopters and even F-15 jet fighters, which proved worthless in dislodging the determined insurgents.

    A key factor in the Sunni success was their high mobility and command and coordination. They changed positions swiftly and often in small numbers of only two or three men, melting away and then reemerging in different positions. Indeed, during the battle, US troops were not just fighting across one side of the street to the other, but they were taking fire from all different directions at once, and were frequently forced to run for their lives, abandoning building after building.

    What made Haifa different was from a military standpoint that was the insurgents were more than able to fight the American over a long period in a more classical-style war conflict situation. The Sunni were commanded and co-ordinated in highly professional way and acted with discipline and a high degree of flexibility. They furthermore applied novel tactics that were used to great effect and which the US troops were unable to respond to. At times the guerrillas ran rings around helpless US units and looked near to inflicting a defeat on them, despite having a manpower deficit of some 4 or 5 to 1 in the US favour and one to ten if one bothers to count the Iraqi Army.

    The poor US performance must increase reservations about their ability to clear Baghdad of militias and insurgents. At the same time, in the week long battle, Iraqi forces showed more evidence of their inability and unreadiness to take on insurgents, casting further doubt on their potential for success in both the first wave and then in the critical second phase of coming operations, when they are expected to of hold onto areas liberated by US troops. While the US and Iraqi forces appeared uncoordinated and lacking in trust, the new phenomenon for the insurgents was the collaboration in combat of around 12 different insurgent troops, prepared to subjugate themselves to a common command. Finally, there appeared to be a definite deficit in levels of morale between the two battling sides – the insurgents coming out on top, while the US, and, especially the Iraqis not showing the same le

    Looking For The Best Term Life Insurance Quote Online
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    determined insurgents.

    A key factor in the Sunni success was their high mobility and command and coordination. They changed positions swiftly and often in small numbers of only two or three men, melting away and then reemerging in different positions. Indeed, during the battle, US troops were not just fighting across one side of the street to the other, but they were taking fire from all different directions at once, and were frequently forced to run for their lives, abandoning building after building.

    What made Haifa different was from a military standpoint that was the insurgents were more than able to fight the American over a long period in a more classical-style war conflict situation. The Sunni were commanded and co-ordinated in highly professional way and acted with discipline and a high degree of flexibility. They furthermore applied novel tactics that were used to great effect and which the US troops were unable to respond to. At times the guerrillas ran rings around helpless US units and looked near to inflicting a defeat on them, despite having a manpower deficit of some 4 or 5 to 1 in the US favour and one to ten if one bothers to count the Iraqi Army.

    The poor US performance must increase reservations about their ability to clear Baghdad of militias and insurgents. At the same time, in the week long battle, Iraqi forces showed more evidence of their inability and unreadiness to take on insurgents, casting further doubt on their potential for success in both the first wave and then in the critical second phase of coming operations, when they are expected to of hold onto areas liberated by US troops. While the US and Iraqi forces appeared uncoordinated and lacking in trust, the new phenomenon for the insurgents was the collaboration in combat of around 12 different insurgent troops, prepared to subjugate themselves to a common command. Finally, there appeared to be a definite deficit in levels of morale between the two battling sides – the insurgents coming out on top, while the US, and, especially the Iraqis not showing the same level of tenacity and audacity shown by their opponents.

    Assault n°2 “Operation Boomerang Twice”
    So following a 10 day pause to lick their wounds and reassess their tactics, the US declared they had learned their lessons from the first encounter and were ready to retake the thoroughfare. On the 24th of January they launched a second offensive or rather a third. Because it comes to light now that, in fact, after intense fighting, they had already “cleared” Haifa Street of insurgents in 2004 and handed it over to the Iraqis. Unfortunately, that doesn’t seem to have worked out. Evidently the insurgents had taken back full control and the Iraqi Army has fled the area. Things, obviously, weren’t going to be the same this time, or were they?

    On Wednesday morning the day erupted to the thunder of heavy artillery and a huge display of aerial firepower. In scenes more reminiscent of the Russian obliteration of Grozny, the US mercilessly pounded apartments and other high-rise buildings from air and ground. What was called “Operation Tomahawk Strike 11 was in full swing. Heavy gunfire, sniper bullets and mortars and RPG rockets met them. The fighting lasted from dawn to dusk for some three days. Civilian casualties were much higher than before, some 37 on one day alone, including women and children, prompting a cry of “genocide” from the Muslim Scholars Association. Film crews were embedded from CNN and heavy media coverage was invited in, obviously in anticipation of a victory this time round. However, when two days coverage had evaporated and evidently “Operation Tomahawk 11” had become “Operation Boomerang Twice” the media silently slunk away.

    What was clear was that Haifa was indented as a model operation as part of the new offensive – “a series” according to officials, “of target raids to disrupt illegal militia activity and help restore Iraqis security force control in the area.” But despite the massive numbers, 1,000 or more US and Iraqi troops, with massive heavy weapons and aerial back up, they failed again to dislodge or seriously impede the insurgents.

    The insurgents are clearly much better prepared and ready to take casualties. However, the damage inflicted was minor even according to the official communiques that some 30 militants were killed and 35 detained. A small number for such a massive investment. Although they had supposedly “learned the lessons of earlier” in the month the Americans yet again showed the futility of this form of traditional warfare against asymmetrical forms.

    The effectiveness of the Sunni defense and the spread of fighting to the two other Sunni districts of Al Fadl and Adhamiya, could now mark a shift away from an insurgency based mostly on psuedo or adapted peasant guerrilla warfare, to a more sophisticated form of urban guerillarism, also incorporating, but not relying on elements of classical warfare. The combination of the flexibility and agility of terrorist and guerrilla tactics with classical methods of warfare could prove a formidable mix, which would leave US forces totally confused and wrong-footed.

    Had the US and Iraqi forces wanted a better simulation exercise they could have asked for it. However, if this is a harbinger of things to come, the ability of the insurgents to intensify and diversify tactics means that the outcome doesn’t bode well for the real thing. They could well be facing a much more humiliating and devastating defeat than the first time they tried to secure Baghdad. One has to say that after employing such numbers and force for just one area, what hope do they have of clearing and holding a city of 6 million?

    The intensification of sectarian atrocities, combined with a number of unusually belligerent and audacious attacks on US forces, appears to suggest, that these are not just a response to the hanging of Saddam Hussein, but a decision to meet the new US troops head on, fire with fire! But the character of the attacks is new, in that there is not only a highly effective military professionalism involved, but also a new level of ferocious determination, daring and bravado, almost to the point of wild recklessness and suicidal inhibition.

    This is the “last chance saloon” –mentality. There is not going to be another “Battle for Baghdad,” - this is the one and only final one. The Americans know it, the government knows it, the insurgents and militias know it, and the people know it too. What each of them also knows is that it is not going to succeed in any of its objectives. Beneath the surface everyone already knows what the outcome will be and few wish to face it. Nobody wants the US to win, but everybody knows Armageddon follows, should they likely loose.

    An Iraqi Intifada - on the menu or pie in the sky?
    The recent assault on Al-Najaf is in a way a distorted expression of a desire among section of the Iraqi people for unity in battle. Reports of support from local people confirm that despite its perversion through the prism of this cult, there are still substantial reservoirs of unity, which are heavily suppressed by the current pervasive sectarianism. These are reservoirs which neither the Maliki government or the US can tap from above. They can only develop from below, but it may well be triggered by some atrocity or massacre on the part of Americans.

    An intensified offensive is pregnant with unforeseeable inflammatory “incidents.” Almost certainly, American troops will engage in massacres and atrocities at some point, with far-reaching consequences. When morale begins to break down, so too do morals. The abuse at Abu Ghraib prison, the atrocities carried out in Fallujah, Haditha and Mahmoudiya are only the tip of the iceberg of what is already going on and mere blips on the radar screen of what is to come as the battle gets more brutal. In what will be considered by both sides as a fight to the last, with US troops engaged in the most intense urban warfare ever, it is inevitable that US troops will cause large scale collateral damage at some point.

    In these circumstances, outrage among both sides of the community could fuel the fire of the war in Iraq to frenzied levels. A spiral of clashes could occur. Even instances of joint Sunni/Shia actions, rising up from among the masses, could not be ruled out, when anger against the Americans reaches boiling point. In today’s Iraq it would mean the appearance of tens of thousands of armed protesters. It should be not be forgotten that many streets have their own volunteer defence forces and that almost every man in the country is armed with rifles and small arms for his own and his family’s self-defence. These same weapons could be quite easily turned on the Americans by outraged mobs demanding their immediate withdrawal. US troops could be caught in a position of mowing down hundreds of civilians threatening to overwhelm them. If such things come about, then, for the first time, serious demands could be made to indict US generals and officers for war crimes in front of international tribunals.

    Should the current Iraqi insurgency become a full-blown uprising or intifada, it would be even more ferocious and deadly than in the Occupied Territories. It would quickly become a mass, armed uprising involving hundreds of thousands, if not millions on the streets. Numbers of US casualties would explode geometrically. Thousands of troops could loose their lives within hours. US TV screens may soon be carrying pictures of helpless units trapped under fire, with soldiers being dragged from burning buildings and smoldering humvies and then being torn apart by crazed mobs. The spectre of beheaded American corpses lining the Baghdad thoroughfares and US troops swinging from the lampposts is not out of the question. As the battle intensifies outside powers will supply the insurgents with anti-aircraft weaponry and other more sophisticated arms. The sight of “Black-Hawk-downs” falling from the sky is already almost becoming commonplace. Sooner rather than latter, the US Army would have no option but to flee the country.

    Ironically, just at the time that the Palestinians appear to be descending in factional civil war, an “Iraqi Intifada” is now the country’s only hope of holding the nation together. Despite, the seemed impossibility of it, in paradoxical situations

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