n54 percent of wars between nations end in negotiated settlements, but only 24 % of civil wars end that way. (Supply: Reuter) Opponents in a civil war generally have to lay down arms before peace is attained. Once they do so, they both hav…

.Set your monetary goals (expenditure) for 2012. Believe about the issues you want to do in the 2012, which are heading to need substantial expenditure. A new home, new car, wedding ceremony, a new addition to the family members, or an cos…