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Political parties perform important roles in European societies. Parties are institutions in which citizens with similar political views organise, develop political programmes and actively participate in the political process. They are vital for democracy because parties offer the most clear-cut political choices that are put to the electorate. Parties are also recruitment organisations, through which parliamentarians and members of government are sourced. Even though the latter functions are important, the general effectiveness of parties is closely linked to the first characteristic: their societal embeddedness – the main channel between a party and citizens. And in this respect, political parties have been declining dramatically.

The demise of political parties is not a new phenomenon. Since at least the 1980s, parties in all established European democracies have suffered massive membership losses to the point where they only retain a very limited capacity to engage citizens. The societal anchor of political parties is seriously threatened. Vernon Bogdanor wrote in 2006 that ‘the story of the rise and fall of the mass political party is one of the great unwritten books of our time’. So why do I pick this rather old problem up again in 2009? Not because I want to write the obituary of the mass political party but because we can now see where the development of political parties might lead us. This potential new future became apparent during the US Presidential campaign.

Additionally to his remarkable personal qualities, Barack Obama – during the Democratic primaries, the Presidential campaign and now even as sitting President – has been extremely successful in using new communication technologies to connect directly with citizens. Through the use of social networking tools, online video messaging and almost real time updates on what was happening on the campaign trail – and by making many of these tools available to his supporters too – he was able to create a community that was not only prepared to vote for him but willing to organise and campaign on the local level. He was able to create a political movement he can now build upon.

The construction of this movement was above all possible because new communication techniques offered a way of being actively involved in the campaign for change. But if you look behind the technical tools you notice that Barack Obama’s campaign was able to recreate old – rather than create new – characteristics that traditional European parties, especially left-of-centre parties, have lost over the years: a sense of community and belonging.

Let us take the oldest social democratic party in the world as an example: the German SPD. When the party was founded in 1863, its backbone was educational leagues founded to educate workers. The cultural and community aspect was therefore not just a by-product but very much the founding principle of the party. Being a social democrat was not a question of membership in an organisation but rather a way of life. The identity of the party was reinforced by the large variety of social democratic newspapers and publications that contributed to this distinct culture. The cultural underpinnings of political parties were also evident elsewhere and it seems that it has been especially this attribute, that used to provide the closest link to society, that has declined most dramatically in recent decades.

It was argued that because of social and ideological changes in societies in the second half of the twentieth century, mass parties – rather homogenous constructs – developed into catch-all parties that attempted to integrate the diversifying political views and social backgrounds of citizens under the umbrella of the same party. Today, many parties look like what political scientists call ‘professional-electoral parties’. Such parties are organisations that have a highly centralised leadership and are focussed on winning votes and offices. They have largely abandoned the cultural heritage of traditional political parties. ‘Professional-electoral party’ is also the closest typology for US political parties, which are practically committees to fight elections without much activity between ballots. They are very candidate centred and lack organisational leadership.

So what is new that could show the way political parties could go from here? What has changed during the Obama campaign? In a nutshell, Barack Obama has managed to recreate the community aspects of old mass parties and integrate them into a professional-electoral party. In the contemporary context, however, culture does not mean a certain way of living but rather being part of a community based on a charismatic political leader, new political ideas and a desire for grassroots activism. The creation of this new culture in the Obama campaign has only been possible by the use of new media. So after it has transformed the economy and the way we communicate with each other, is the information, communication and technology (ICT) revolution now fundamentally changing the political process too? I think there are strong arguments in favour of this and Barack Obama’s success is evidence.

What does this mean for European parties? The socio-economic circumstances and ideological believes of citizens have indeed changed dramatically since the foundation of early European parties, political activism has however not disappeared. The success of single-issue movements such as Greenpeace, Amnesty International and the Globalisation critics of Attac clearly shows the enduring desire for political activism. Some of these movements have even grown into political parties in their own right, for instance the German Greens or – with a rather different political agenda – the UK Independence Party (UKIP).

So the first ingredient – desire for political activism – is still there. But how can it be used?? European parties have tried for decades to open their structures to social movements and to use societal activism for their party purposes. They have all been largely unsuccessful so far because their strategies were unclear and their own structures often too rigid. Waking up to the potential of new technologies and the experience of the Obama campaign however makes it a necessity to try again – and to try harder. After all, the only alternative seems to be further decline. Initial steps to use new technologies have been taken but more needs to be done. Europe in general is clearly behind the US in terms of internet integration in everyday life including politics. But this can also be an opportunity for the party that comes up first with a successful mix of technologies for the European context.

The second ingredient is political ideas that can capture and motivate people. The current economic crisis has opened a window of opportunity for a new politics. There is a vacuum of ideas since the promise of prosperity facilitated by unfettered markets collapsed with the international banking sector. This void has not been filled yet. In Barack Obama’s case the simple promise for change was enough to create his movement. This was however only possible in the narrow window of opportunity at the beginning of the economic crisis and in the specific context of US politics. If his movement is to become sustainable he needs to bring in new positive ideas. President Obama has understood this and has kept the close link to his followers even after assuming office. The way in which he encouraged living room discussions about his economic stimulus package across the US was a remarkable move and combined the desire for activism with political content. The sense of belonging and potential for activism created by a ‘I received an email from the President’ moment should not be underestimated.

The last ingredient in the mix is charismatic leadership. Early attempts of online campaigning in Europe have shown that it is very difficult to build mass participation in a political online campaign if there is not an appealing political figure at the top. Parties as such seem to be rather inappropriate vehicles for such campaigns. Identification becomes much easier if people are involved. So if the European political culture develops in the direction set out in the United States, it is likely that politics becomes more personalised and centred around political ideas represented by certain politicians.

Political parties have been declining for decades without finding a way to stop their downfall. The ICT revolution is here to stay and has already transformed many areas of our lives. The Obama campaign in the US has broken new ground and is certainly an important example to watch. But the question is how these developments can be worked into European party politics. A simple ‘copy and paste’ will not work. But the revitalisation of political culture and activism using new technologies is the most promising opportunity on offer to change the fate of political parties. Given the alternative, it is certainly worth trying.

Discuss this article here: http://www.social-europe.eu/2009/04/where-now-for-european-political-parties

The steep rise in the prices of all commodities has become such a crucial problem that people are always on the look out for places where you can purchase goods cheaply. Pet owners are a major clan who also bear the brunt of these issues as pet supplies are very expensive. To try and purchase pet-supplies at a discounted rate has become very popular and the main means of doing this is through pet discount coupons online.

Given below are some tips which will help you to purchase pet products at a discounted rate.

• Make it a point to get good quality pet supplies – Never settle for low quality stuff which may be less expensive. The net result will be that it will turn out to be hazardous for your beloved pet and you will finally have to dole out a big amount for the visits that you make to the vet. It is not the quality of what you buy for your pet that has to be altered, but the means of purchasing it.
• Buy pet-supplies at a bargain during the winter months from your nearest pet shop as majority of these shops indulge in a clearance sale in winter. So look around and you will come across pet discount coupons which will aid you in buying goods at a subsidized rate.
• There have emerged numerous online sites which offer wonderful deals for the supplies that you have been looking for. Online pet shops can provide you with pet supplies at cheaper rate as they do not have to bear overhead expenses like taking care of a shop. Another great advantage is that these online stores get pet supplies at a wholesale rate and sell them even singly at wholesale rates.
• eBay and Craiglist are other places to look for purchasing pet-supplies at a discounted rate. There may be people who have may be selling off second hand pet supplies which may be procured at a bargain. This is one of the best sites where you will get extremely affordable pet supplies.

A little researching on your part will make you realize that there are online websites available from where you can buy pet products at an extremely reasonable rate without even venturing out of your home. This is a great advantage as you do not need to waste your precious time searching out for the best deals or waste your energy either.

Today’s world is one where internet is the primary market and all you have to do is just log on to a pet supply site which will bring anything you want to your doorstep at extremely reasonable and affordable rates.

Using pet discount coupons can save you a lot of money when shopping online for pet-supplies. To find more such coupons you can visit target=”_new” href=”http://discountcoupons-blog.com”>http://discountcoupons-blog.com.

A Step-By-Step Tutorial: How to buy a car with bad credit without it turning into a nightmare.

Are you tired of hearing the word ‘No’ when it comes to a car loan? I set up ‘How to buy a car with bad credit’ specifically so that you could hear the words ‘yes’. Who am I, you ask?

I spent 14 years in the automobile business as a Finance Manager so I believe it’s fair to say that I know a thing or two about getting a loan financed, irregardless of your past credit history.

Remember, regardless of your past credit history, you still need a car, want a car and most of all, you deserve a car. You should also be treated with respect and given choices. I’m going to teach you how to have a choice with auto bad credit financing loan.

First of all, all lenders now purchase deals based on what is called a beacon score, which is the same as your credit score. There are three credit bureaus that make up the package. Each lender will choose whichever credit bureau(s) they prefer when looking at your credit or a combination of bureaus.

I highly advise everyone to have all three credit bureaus pulled when checking your credit and to pay for the credit score. If you only look at one bureau, you’re only seeing part of the whole picture.

With the exception of a few minor things, beacon score will play a large part in your approval. Staying within your financial means is another, so be realistic. If you make $2500 per month and have $1200 going out, don’t walk in all high-and-mighty and tell the Finance Manager that you will only have an Expedition or nothing. You’ll end up with nothing.

In order to effectively use auto bad credit financing, you are going to have to know what your credit looks like and what your credit score actually is. Otherwise, you are working in the dark.

Pay for the credit score or it’s just almost useless. With the credit score, you will know whether or not you qualify for a lender such as Ford. Also, the higher the score, the lower the interest rate. Got it? With an auto bad credit loan, the higher the beacon score, the better.

Let me explain websites like cars.com and the such: They collect applications for car loans online. They then have a network of dealerships that PAY them for the leads. These are generally dealerships that have departments that specialize in getting you financed, regardless of your credit. These departments pay for these leads, so most take them very seriously, as they are their bread-and-butter, so to speak.

If you have a lower than usual credit score, a current repo or just plain, all-around bad credit, this might be the way to go. If your credit is really that bad, remember that you are going to need some cash or a paid-for trade in that’s actually worth something.

O.K., now for the step-by-step system that I promised. First, take control of your car deal! You need to be in the driver’s seat, if at all possible. Go online and run a copy of a tri-merge, which is all three credit bureaus, plus pay for your credit score. You can get a FREE copy of your credit report once per year HERE:

http://www.annualcreditreport.com

This is the new Federal law that actually entitles you to receive a FREE copy of your credit bureau once per year and with some other exceptions. This is not a credit monitoring site. You have to run each bureau separately; Experian, Equifax and TransUnion. Then, you have to pay for the credit score.

So as to hold down on confusion, here’s the scoop: Each credit score for each separate bureau will be different. That’s why a Tri-Merge is called what it is called. You can run a specific bureau called a Tri-Merge from one company (there are many-just do a Google search) and you actually get one bureau (it’s actually all three combined but the credit score is also one credit score). It’s more expensive and generally runs around $34.00 but it just depends on your preference.

Now, with your credit score in hand and a copy(s) of your credit bureau, look at your credit. Do you have anything strange on there that is not yours? If so, it’s time to fix it. You should review your credit bureau at least every 6 months to a year. Plus, if your identity has been stolen, you will know quickly. P.S. you can also have a liner placed on the bottom of your bureau that simply states “Do not extend any credit on my behalf without contacting me first. Work # (111)222-3333 Home#(222)333-4444 Cell# (333)444-5555.” Call or write the credit bureaus and request that this is done. You can now do this online for free. Again, do a Google search for all three bureaus listed above.

How do you fix your credit, you ask? I give away a totally FREE book that I wrote on the subject simply for the asking. Email me with Free Credit Repair Book in the headline and I’ll email it to you.

Next in line: Know what you want to buy BEFORE you even go out shopping! Let me make this very clear. Car dealer’s jobs are to sell.you a car on your very first visit. A salesman/woman and their sales manager believe that if you walk into their dealership and do not leave with a car, you will never come back again. They are going to hammer on you until they either A) Make you mad and you get up and leave or B) Sell you a car. It’s the nature of the beast. Accept it ahead of time.

What do you want to buy? Where can you get unbiased information on the auto? Again, Google for Kelley Blue Book or NADA and you can get cost, warranty repairs, recalls, and information on problems and tons of info beforehand. Limit your shopping to three models. Keep it simple. Those will be the ones that you will shop for.

Can you afford the car? You may think you can afford the car, but the bank may think otherwise! I have seen this so many times in my career. Automobile economics 101: Take your gross income (what you make per year BEFORE Uncle Sam taxes you) and remember, this income needs to be provable-tax returns, check stubs with taxes taken out or a W-2. If you are self-employed, you will need two years of tax returns with Schedule C’s. This is the income that you actually paid taxes on. Being self-employed can be tough. You may need to combine a spouse’s income if you are self-employed.

Now with your gross income figured out, find out what all of your debts are that are going out each month. Include everything…it’s listed on your credit bureau’s. Example: Car note=$450.00 + House note= $560.00 + Credit card debt= $425.00

Boat note= $310.00 Charge-offs=$1200.00 (yes, charge-offs; these are bills that you never paid and they were written off). Add all of your debts up. With just your obvious debts (including the charge-offs), you have $1805.00 per month going out. I arrived at that figure by adding up all the monthly notes and taking 5% of the charge-offs. 5% of $1200.00 = $60.00. We’re not through, though. Now we have to figure in cost of living-utilities. Each lender has their own algorithm for utilities but a good range to estimate would be to add $300.00. Now we have a total outgo of $2105.00. This is what you have to have to pay your current bills before you take on any other debt.

Almost all lenders will not allow your new car note to exceed 20% of your current income. For our example, let’s assume that your gross income is $5300.00 per month. Let’s take $5300.00 and subtract your debts, which are $2105.00. That leaves you with $3195.00. To make it easy, take $2105.00 and double it. That would be $4210.00. That would leave you with disposable income of $1090.00. What the lender is looking at here is referred to as debt-to-income. They want to know if you have more going out than you can handle. This is strictly a case of numbers and provable numbers. If your gross income was $4500.00 and you had $2105.00 in debts each month, you need to be prepared for one of two things; add your spouse’s income and your spouse to the deal or trade in the other auto. If your debt-to-income is running too close to 50%, you’re going to have a hard time getting a loan for anything. Make sense? The way the bank looks at it is this: you can’t afford both cars so they assume that you are going to let the other (older) car go back to the lender-repossession. That’s their take. Debt-to-income is a HUGE deal.

In this case, your disposable leftover income is $1090.00. 20% of that would be $1060.00. Whoa! Let me be the first to inform you that you are NOT getting a car payment of $1060.00! Why? Well, you only have $1090.00 left over for starters. Let’s be realistic here. Most lenders will slice that in half which will equal $530.00. Your payment call should be around that figure, give or take a few dollars.

How expensive of a car can I buy on a $530.00 payment? Good question and one that you absolutely need to know so that you can pick out the correct car. One answer depends on the term of the loan. You can finance for 36, 48, 60 or 72 months, as a for-instance. That equates to 3 years, 4 years, 5 years and 6 years. I will tell you this: the worst thing you can do is extend the note out the longest amount of time in order to get the payment where you can afford it. That creates a syndrome that now affects over 75% of car owners called being “Upside Down.” It means that you owe more on your car than it’s worth. It also means that you need more money down when you go to trade it in. The only way around that is a lot of money down or a short-term loan.

You can again do a Google search for a ‘car loan calculator’. You will punch in the loan amount you want to borrow, the term (48,60, etc.) and the interest rate. If you have not gotten approved already and know the rate, you will have to guesstimate. Here’s a rule of thumb for you-it’s not an exact science without knowing your credit, but it is a guide you can follow to get you close. Let’s base the rate on your beacon score: that’s what most of the lenders are going to look at.

If your beacon (credit score) is in the 400 or lower range, you will need to figure your interest rate on a new car at 21% (state maximums differ-it could be 18%). If you are looking at a used car, figure on 33%. If your beacon score is in the low 500 range, figure your new car loan as you would for the above-mentioned 400 beacon. If your beacon score is in the mid to high 500-range, figure a new car at 18% and a used car at 27%. If you have a beacon of 600 to 649, figure a new car at 16% and a used car at 20%. If you have a beacon score of 650 to 699, figure a new car rate at 12% and a used car rate at 16%. I may be hitting too high on a few of these, but I live in a state that has the highest rates in the nation. Better safe than sorry.

Get Pre-Approved BEFORE you start shopping. This is the easy part, in a way. Remember I told you at the beginning of this article to take charge of your car deal instead of letting the dealer lead you by the hand. It all boils down to financing. If you can walk in with a check in your hand, you are in control. I will recommend a few companies that are reputable, have a proven track record in sub prime loans and all mail the check to you at home. You then go into a dealership and pick out your vehicle, negotiate and buy like a cash buyer! These companies are Household Finance, Capital One Finance, Americredit and E-Loan. You can do a Google search for all four, apply online, and get either an instant approval or one really quickly. When you are approved, they mail the contract to you and then the check. It’s that easy.

On the final decision for the car-work smart here. There is nothing more valuable than time and nothing more rewarding than piece of mind. Please don’t go running from dealership to dealership. Wrong. Pick out the 3 models of auto that you can afford. If you are looking for a program car (rental), call dealerships and inquire as to whether or not they have any. If you want a new, ask other people that are driving that model where they bought theirs and would they purchase there again. If you start hearing a lot of “I’ll never buy from them again”, move on. Something is wrong. Your new car is only as good as the service you will get AFTER the sale.

Negotiating-Most people hate this. I have only met 2 people in 14 years that enjoyed it; they were both retired and had nothing better to do. One did it for the fun of it and never even bought if you agreed to his price. Don’t waste other people’s time. If you don’t like the car, don’t negotiate on it. When you do find a car that you would own, tell the salesman you’d buy it right then if the price was right and if they provided you with a Car Fax. The keyword here is: ‘If the price is right’. How do you know what a good price is? Well…glad you asked. If it’s a new car, Kelley Blue Book will have dealer cost. Go to: http://www.kbb.com

If it’s a used car, compare used car figures at http://www.kbb.com

And

[http://www.nadaguides.com]

What’s the difference?? Most dealers (with the exception of the West coast) will use NADA as their guide.

Here’s what’s transpired so far:

Before you ever drove the car, you went by the dealership on Sunday, when there are no salespeople and you got the Vin# of the car and the equipment, year model and had a good look at it. You already know if you like the car when you drive it, that you would buy it. The list price is in your pre-approved check category, to boot. You’ve already gone online and gotten wholesale, trade-in and retail values for the car.

Retail is what the dealer should ask for the car. This will help you to know whether or not the salesman is trying to add money to the car, or if the dealership is. Trade-in is a figure to gauge approximately what the dealership traded for the car for. It will give you an idea of what the dealer paid for the car, before reconditioning fees and any ticket from service. Now, not every make of car will bring trade-in value. Two that will at this time are a Honda and a Toyota. Those cars will bring trade-in value. Domestic cars generally will not bring trade-in value, with the exception of new, hot models. Other models will only bring wholesale. As an example, Kia makes a great car, but most will not bring close to trade-in value. Mitsubishi is going through changes and also won’t bring close to trade-in value. There are exceptions to the rule: Katrina and Rita-two hurricanes that created a short supply of used cars. If you live in the south, that will be the case for a while. With the exception of a Honda and a Toyota, you can probably be safe offering less than trade-in. Not thousands, mind you, but less.

Take into consideration the other costs of trading for a car. Also, ask the salesperson how long they’ve had the car. If the salesperson slips up and tells you they’ve had it a while, your negotiating should be easier. The reason behind that is that the dealer is paying interest on the car every month it does not sell. The book value is also dropping every month so it needs to go.

Throughout the car deal, make sure they know you are paying cash. Don’t mention that you have a check from Americredit or whoever. That’s none of their business. When you make a deal, insist on the Used Car Manager running a Car Fax before you sign any paperwork. A Car Fax will show if the vehicle has been involved in a serious wreck, was bought back from the original customer or is salvaged. This will put your mind at ease. If you don’t like the Car Fax, don’t buy the car.

Throughout your shopping, I can’t stress this enough-Do NOT fill out credit applications at each dealership. Every time you sign a credit application, the dealer pulls your credit report and your beacon score goes DOWN. That’s why I advise on getting approved ahead of time. There are numerous advantages to getting approved ahead of time. The main advantage is that you are in control, not the dealership. That’s worth a fortune in itself. Their job is to take control of you from the start of every meeting. Believe me; I know what I’m telling you. I lived that life for a long time.

For some reason, should you not be able to get pre-approved because your credit is extremely bad (a discharged bankruptcy is an instant-approval, by the way), and you have to go through an online clearinghouse like cars.com, don’t despair. Continue to follow my previous steps and advice and negotiate and insist on a Car Fax report.

When you do decide on a car and go into the Finance Office to sign the papers, I would like for everyone to know that you do not have to purchase any products in order to get the loan. If anyone in Finance tells you that you have to purchase a warranty and credit life to get the loan, which is a bold-faced lie. Why would a Finance Manager do that? Because they work on commission, also. Surprised? Don’t be. That’s the way dealers set up Finance Offices from the start when they realized how much money could be made. The Finance Manager makes money off of the rate they quote you, the warranty they sell you, the gap insurance and the credit life and disability you buy. That’s how they make a living.

I’m not saying that any of these products are bad, though. I believe in extended warranties. I’m just telling you to shop around first. If you find a cheap warranty, check out the company and make sure they will give the dealer a credit card over the phone immediately when in need of repairs in any state. All in all, I will say this-A manufacturers warranty is always better than an after-market warranty. Always. Just negotiate on it if you want it.

The only reason why you would not want gap insurance would be if you literally paid cash for the car. Otherwise, gap is cheap (should retail around $495) and will pay the portion that insurance won’t pay if it’s totaled. Just remember what I said about the book dropping on a car every month. It will never be worth what you owe unless you put down a lot of money at the time of purchase.

Credit life and Disability insurance are a personal matter. If you have a life insurance policy, it can be used to pay off the car in the event of your death. If you are single, why do you need Credit Life? The only benefit would be if you are married with a family, it cuts down the payout time. In this situation, your spouse would not lose the car.

Disability Insurance pays out for a specified amount of time. It will not pay out for the entirety of the loan. It also has a specified start date from the time you are disabled. It doesn’t just kick in immediately.

This is a lengthy article, but the gist of it is this: do your homework at home first. Then get approved online. Then shop on Sunday. Then go get your car and negotiate on everything. It will be the easiest car-buying experience you have ever had.

Regardless of your credit situation, if you follow my steps, you’ll have a car in no time and you’ll be an educated and informed customer during the process. Good luck!

Alicia Guidry spent 14 years in the retail automobile industry as a finance manager, sales manager and general sales manager.

For additional sources, see:

Bad Credit Car Loan [http://bad-credit-card-applications.com/auto-bad-credit-financing-loan.html]