Tuesday, July 31, 2012

The Consumerist ? It's Not In Banks' Best Interest To Look Too ...

For the last few years, the folks at the Federal Emergency Management Agency have been issuing more accurate flood plain maps at the same time as the government has made a renewed push for mortgage lenders to help make sure homeowners who need flood insurance are actually purchasing it. But even though these new maps should be making it more clear to everyone whether or not one's home is in a flood plain, the banks appear to be playing fast and loose with the rules in order to force customers into more expensive insurance policies.

See, while part of your property might be in a Special Flood Hazard Area, that doesn't necessarily mean you need to purchase flood insurance. The insurance is only required if your actual house falls within that zone.

So if your house is far from that lake, creek or river or is high up above the area that could flood, you should not have to purchase the insurance. Problem is, as these new maps get around, banks are taking only cursory glances at them and not always checking to see where a house might be before deciding that flood insurance is needed.

Usually, banks give homeowners 45 days to provide proof of insurance. After that, the bank will just put you into a policy of its choosing -- one that is often significantly higher in price than what you'd pay if you bought it yourself.

Homeowners can appeal to FEMA, though that process will likely require 60 days. By that time, they will have either needed to find their own insurance or be placed into one by their lender.

Additionally, many homeowners are just as unaware of the specifics of flood insurance requirements as the banks appear to be. Thus, when the letter comes from their lender, they just assume it is accurate.

While three of the nation's largest banks -- Bank of America, Wells Fargo, and JPMorgan Chase -- say they don't accept commissions on forced-place insurance, many lenders do get a large chunk (upward of 20%) as incentive for getting homeowners into the required insurance. It should be noted that Chase only stopped the practice in 2010 after it was sued for allegedly enriching itself via forced-place insurance.

Reps for the banking industry claim lenders are not out to line their pockets with these commissions.

Whether or not the banks' mistakes on forced-place flood insurance is a money grab or a genuine misunderstanding, the number of appeals to FEMA has skyrocketed in recent years. Last year, the agency received nearly 36,000 such appeals, a 55% increase from only three years before.

We've written before about the danger to homeowners and the housing market of banks pushing borrowers into pricy forced-place homeowners insurance policies. At least in those cases, the banks were purchasing insurance policies that actually needed to be bought.

Lenders' mistakes cost homeowners on flood insurance [StarTribune.com]

Source: http://consumerist.com/2012/07/its-not-in-banks-best-interest-to-look-too-closely-at-new-flood-plain-maps.html

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CVG_UK: Black Ops Zombies listed for Android release - http://t.co/mZGs4HhZ via @CVG_UK

Sorry, Readability was unable to parse this page for content.

Source: http://twitter.com/CVG_UK/statuses/229883878708477952

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Monday, July 30, 2012

Internet Business, Online Marketing ? What Business Are You - traffic

It took me a few days to think about until my rich successful internet marketing friend gave me his answer. It?s a good answer and after reading this and you?ll understand what business you are really in.

The first thing that probably comes to your mind is that you are in the internet business or the online business. And that is how the average person answers, nothing wrong with that. But how do you produce income from working in your industry?

You probably need customers coming in to your store, responding to your letter, or visiting your website and purchase something. And how do customers hear about your business and keep sending you their money? You?ve probably already figured it out the answer, it?s something called marketing.

Of course salesmanship iss important to the process, but it is mainly marketing that is going to be the key to your riches. It helps that your customers like you, but what happens when your pool of customers dry up? Your salesmanship won?t do SQUAT if you don?t have a customer base to sell to!

I have a friend who works in a very reputable and established insurance company for about 5 years and he is a GREAT salesman. He?s good looking and he knows all the sales strategies like establishing rapport and having people like him, closing the sale, etc.

So one day I saw him with a client and I commented, ?Wow, you sold that guy just like that, it must be natural and easy for you to make a fortune in selling!?

However, he responded, ?No, not really, let me tell you something. In selling, it depends on how ?good? the month is. If you?re ?lucky?, some months you can have steak with lobster but some months you starve!?

After a brief conversation, he looked at his computer screen and told me that he?ll talk to me later because he needs to grab a walk-in customer before the other customer-starved sales agents steal the customer from him.

I walked out the door and saw him drooling all over the walk-in customer. Obviously, that confirmed his belief that everything depended on getting lucky. That experience revealed three valuable observations:

1. It doesn?t matter how good a salesman (or woman) you are because?

2. Selling is almost useless without a flow of customers, so you need to?

3. Set up a marketing system so that you have a flow of customers so that you can eat steak with lobster every month!

If the main reason you are in business is to make money and the way to make real money for your business is to market your service, product, or business, wouldn?t it make sense for you to concentrate on marketing and promoting your business?

Think about it. To get any prospects at all you have to find them by going through a phone list, depend for walk in business (like my friend), or network your way to find a prospect. Even if you are just a salesperson, these are the results of marketing!

This is the same for any industry. Bakeries need people to know they exist so that customers can buy their cakes. Insurance agencies need people to know where they are located so that they can sell insurance. And you and I as internet marketers need more people to buy our products!

So what business are you really in? Your answer should be, ?I?m in the business of marketing my business, product, or service.? Now that you know what business you are really in, concentrate most of your efforts in marketing your business!


Source: http://inboxmoneyin.com/blog/internet-business-online-marketing-what-business-are-you-really-in/

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Newt says Bill Clinton?s presence at Democratic convention will hurt Obama

ARLINGTON, Va. ??Having Bubba keynote the Democratic National Convention may not be such a good idea for Democrats, former Republican presidential candidate Newt Gingrich argued during a press conference Monday.

Gingrich said that former President Bill Clinton?s presence at the convention in September will just remind voters how liberal Obama?s presidency has been in comparison to the Clinton administration in the 1990s.

It was announced Monday that Clinton has been tapped by Obama to play a starring role at the convention, slated for September in Charlotte, N.C.

?There is a huge gap between Bill Clinton?s effort to take the Democratic Party to the center and Barack Obama?s effort to take it to the left,? Gingrich said at a northern Virginia television store. ?So I think in a funny kind of way, having President Clinton at the Democratic convention may highlight the difference between the two choices.?

Gingrich said Clinton?s speech will ?remind us that Obama really is a failed left-wing president with high unemployment, high deficits, huge regulatory policies and a very, very bad foreign policy.?

The Republican said voters will compare the current economic environment to the Clinton years of balanced budgets and welfare reform and all the ?things that were done to make the economy better for the American people.?

?I think that will be a terrific opportunity for those of us who served with President Clinton to point out that Barack Obama is no Bill Clinton,? Gingrich said.

Gingrich?s remarks were made while stumping for Republican presidential candidate Mitt Romney during a ?We Did Build This??event at Belmont TV in northern Virginia.

Standing next to storeowner Ken Sickmen, Gingrich hit Obama for recently saying: ?If you?ve got a business, you didn?t build that.?

?Remember Steve Jobs starts Apple as a small business. Bill Gates starts Microsoft as s small business. Henry Ford started his auto company as a small business,??Gingrich said.

?It is the growth of small business that made America great,? he said. ?And it?s Obama?s failure to understand that which explains his why his economic policies are such a disaster.?

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Newt says Bill Clinton's presence at Democratic convention will hurt Obama

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Source: http://news.yahoo.com/newt-says-bill-clinton-presence-democratic-convention-hurt-193405612.html

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PFT: McKinnie will report to Ravens camp Monday

Casey Hampton, Alameda Ta'ammuAP

When Pittsburgh opened last season by taking a one-sided beatdown in Baltimore, Warren Sapp proclaimed that the Steelers were ?old, slow and it?s over.? Casey Hampton is, at age 35, the second-oldest Steeler. And at well over 300 pounds and coming off a torn ACL, he may be the slowest Steeler as well. But he insists that it?s not over.

?They?ve been saying that for how long?? Hampton said, via the Associated Press. ?They?ve been saying, ?You?re getting old,? and all that for years, and year in and year out we do our thing. So I don?t see it being any different this year.?

The Steelers aren?t as old as they used to be, with aging veterans James Farrior, Aaron Smith, Chris Hoke and Hines Ward retiring this offseason. Hampton said the Steelers have the right players in place to replace those longtime teammates.

?No question about it, when you?ve been around those guys 10-plus years, it?s definitely different,? Hampton said. ?But that?s part of it. You see guys come and go all the time. Those are definitely special guys, but I think those guys will fill in and do their best to make up for it.?

Hampton is currently on the Physically Unable to Perform list, but he says he?ll be ready to go when he needs to go.

?I don?t have no problem with being on it as long as I need to be,? Hampton said. ?I just want to get it right and be right when I?m out there. I don?t want to be out there hobbling messing around; I wanna be out there ready to go.?

And Hampton thinks the Steelers are ready to go to the postseason again, regardless of anyone saying he?s old and slow.

Source: http://profootballtalk.nbcsports.com/2012/07/29/bryant-mckinnie-says-hell-report-to-ravens-camp-on-monday/related/

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Sunday, July 29, 2012

Obese Valley Children Suffer Adult Ailments | Children's Health and ...

From The Fresno Bee?..

High blood pressure, high cholesterol, heartburn ? these are not diseases of old age anymore.

Doctors in the central San Joaquin Valley are diagnosing children and adolescents in growing numbers with ailments usually seen in adults, and they say childhood obesity is behind the trend.

A 5-year-old weighing 110 pounds and a 10-year-old pushing 260 have the same medical problems as their grandparents: hypertension, high cholesterol, type 2 diabetes, joint problems, fatty liver disease, sleep apnea, asthma, gallstones and gastro-esophageal reflux.

?All of this is really tied to the growing problem that we are seeing in our younger people of just being too heavy for their frame and being overweight,? said Dr. Yvonne Juarez, chief of pediatrics at Kaiser Permanente-Fresno.

In many cities in the Valley, more than 40% of the children are overweight or obese, according to the Center for Health Policy Research at the University of California at Los Angeles. Statewide, 38% of children are overweight or obese.

Doctors have had to adapt practices for obese children with complicated illnesses who take more time at appointments and need more follow-up visits.

While the doctors can treat the medical conditions, they say they worry that the underlying reason for the illnesses often remains, and as long as children are obese, they face long-term risks for health problems.

To read the full story?..Click here

Source: http://www.lensaunders.com/wp/?p=2617

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In India, Anna Hazare again drawing crowds against corruption

Thousands are once again assembling around anti-graft campaigner Anna Hazare in New Delhi, setting up another major distraction for India's beleaguered government.

By Rebecca Byerly,?Correspondent / July 29, 2012

Veteran Indian social activist Anna Hazare cries while gesturing to his supporters on the first day of his fast against corruption in New Delhi July 29. Hazare began his fast on Sunday to demand a bill, the Lokpal, for creating an autonomous, powerful anti-corruption agency.

Adnan Abidi/Reuters

Enlarge

On Sunday, thousands of people across New Delhi showed their support for social activist Anna Hazare, as he starts an indefinite hunger strike against corruption until the government agrees to his demands for a stringent anti-graft bill known as the Jan Lokpal.

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Mr. Hazare, whose 12-day fast in August last year forced the government to create a less-stringent Lokpal bill to set up a government ombudsman, told cheering crowds: "The politicians are servants and we people are the owners; but the picture today is that people have become the servant and the politicians are the owner. This movement is to awaken the people.?

As Hazare reassembles his street power, his movement threatens to dominate Indian media attention once again, forcing the ruling United Progressive Alliance (UPA) onto defense again over corruption at a time when it desperately wants to pass investor-friendly reforms to reignite growth.

US based companies like Wal-Mart have been trying to enter India for years, but have been blocked by the UPA's failure to win looser restrictions on foreign direct investment for big box retail. Other potential investors like Indian steel magnate Laskshmi Mittal have said they have no immediate plans to invest in India, after recent attempts to build steel plants faced local opposition and push back over land acquisition. Efforts to reform land acquisition remain stuck in Parliament. ?

?Since the Anna Hazare movement started last April [2011] things have gone from bad to worse for the UPA government,? says Yashwant Deshmunk, a Delhi-based political analyst and elections expert. ?But the question is can this movement be channeled into an anti-Congress wave? By and large I don?t see opposition movement gaining ground.?

Adviser to the government, Satyanarayan Pitroda, says there is corruption but believes it?s the media?s coverage of events like the Hazare movement that trumps the progress actually being made by the current government.

?There is a lot of media coverage of the Hazare movement but the media hardly gives coverage to the more significant things happening in the country,? says Mr. Pitroda, who played a key role in India?s communication revolution. ?Even though the media will blow this out of proportion, it will not stop exports or slow legislation in India.?

Mr. Deshmunk agrees the Hazare movement is not likely to stop legislation but says the agitation will make people across India even more polarized to the political class.

?The depth of the movement cannot be seen by the number of people on TV,? says Deshmunk. ?The movement has moved from the middle class to the poor ??the message has been spread that the government has no plans to check corruption. It?s not going to be easy to set aside. This government has lost the mandate and trust of the people but this has not led to another opponent.?

Though Hazare has criticized both the Congress and the Bharatiya Janata Party (BJP), saying the country's future does not lie safe in their hands, he has not offered another opponent. He says there?s a need for a political alternative in the 2014 elections, and will campaign for those with clean backgrounds selected by the people but has no plans to contest elections to form a party.

Pitroda is optimistic the country will continue moving forward and campaigns like Hazare?s is the challenge of a growing democracy.

?The elections are still a long way off,? says Pitroda. ?This is a democracy. The people will have to decide who is for real and who is not.?

Source: http://rss.csmonitor.com/~r/feeds/csm/~3/UVr8LMo0UEA/In-India-Anna-Hazare-again-drawing-crowds-against-corruption

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Lose Body Fat With Weight Loss Psychology - Healthy Solution

Lose Body Fat With Weight Loss Psychology

Lose Body Fat With Weight Loss Psychology

Nearly anyone can slim down. However, the truth is, those who win stay the actual group as well as failing exists using the vast majority. Actually, weight reduction achievement prices stay therefore very uncommon that lots of people seldom actually trouble to try reducing your weight whatsoever.

Of these that perform attempt to shed undesirable excess fat, the amount of prosperous applicants continues to be reduced. However, nearly anyone can slim down IN THE EVENT THAT in support of WHENEVER they continues to be equipped using the correct
assist.

For instance, you will get a lot help actually through the truth that weight reduction involves an array of elements. As well as, for the achievement, this kind of weight reduction elements should certainly consist of:

Weight reduction attention;
The fundamental knowledge of bodily excess fat variation (that?s, exactly how the body responds as well as reacts in order to diet plan, physical exercise, as well as your own believed designs); in addition Continuing build up associated with certified pounds understanding.

This particular weight reduction reading through can help you achieve 3 points:

Critical the actual weight reduction description.

Dealing with the actual bodily excess fat assault.

Recognizing the actual huge effect associated with weight reduction mindset.

Book Weight reduction Description

The actual book description associated with reducing your weight involves depleting calories from fat PAST that which you usually spend. A large number of individuals maintain misrepresented or even misshapen suggestions by what weight reduction includes. For instance, a good just about all as well typical weight reduction error that is simple that you should help to make is actually faltering to maneuver beyond your own safe place.

The best distinction in between simple bodily service as well as physical exercise by itself is actually this particular:

Exercise consists of practically Whatever you may perform? watching television, cooking food supper, stitching, likely to the films, speaking about the telephone, going for a bath, and so on. Nevertheless, essentially not one from the
over burn off the actual substantial calorie quantities required to shed excess fat.

The meaning associated with general HEALTH AND FITNESS bears by using it the idea of alter. Think about burning up excess fat as a means of creating the body alter. Whenever you burn off excess fat effectively, additionally you accomplish the higher level of fitness.

Do you want to quickly discover the reason why the above mentioned weight reduction health and fitness truth is accurate? Alright, here is the actual fast description?

Rigorous Motion Self-discipline ? The body Body fat Elimination Crucial

Nearly every exercise used 30 in order to forty-five min?s daily is helpful in order to wellness however offers little if any factor in order to health and fitness improvement. This is because how the exercise degree by itself continues to be as well reduced. Even though low-intensity workouts tend to be advantageous sufficient in order to basically prevent illness, these people neglect to achieve the actual metabolic objective essential to get rid of unwanted weight.

You?ll need a power result around 500 calories from fat every day to get rid of around 1 lb associated with body fat each week. That is simply because 1 lb associated with body fat, in a single feeling, ?weighs? 3, 500 calories from fat.

Therefore, understand this weight reduction excess fat truth once again? in the event that you wish to shed 1 lb associated with body fat, you simply have to spend 500 calories from fat daily for just one 7 days. That is this.

Seems therefore easy, immediate, as well as simple, correct? As well as, the technique genuinely is really a obvious 1. However, the reason why achieve this numerous discover this particular hard to complete? The solution to that particular is based on the actual world associated with mental as opposed to physical weight reduction improvement.

Excess fat PHYSIOLOGY

Exactly how Weight reduction Calorie Administration Happens

Unwanted weight reduction STRATEGY might be nearly the entire reverse of the system?s body fat administration VARIATION. There?s a excellent variation in between both of these. To be able to impact weight loss modifications, make sure to understand the actual distinction.

The key reason why the body demands extreme BODILY motion comes after.

Regarding Adipose Cells (the actual medical title which includes where extra excess fat will get saved)?

Adipose cells needs to undertake regarding 7 stations before you change it in order to ?in-use, inch non-fat-structured power. Within phases 1 as well as 2, a person can simply proceed somewhat faster in order to promote
chemical substance excess fat modifications.

After that, phases 3 via 7 need plenty of air customer base ? much deeper and much more constant inhaling and exhaling. This kind of inhaling and exhaling pattens the majority of very easily arrived at a person due to cardiovascular measures such as rowing, operating, quick or even quick strolling, floating around, riding a bicycle, ice skating, dance, and so on.

Within the existence associated with air, particular acids within your body match sugar as well as proceed lastly allow on their own (together with your exercise assisting) to maneuver all of them in to your own ?fat-burning step, inch
a/k/a the actual mitochondria.

Following burning up inside your mitochondria, a person actually begin to see the by-products associated with weight reduction, that are perspiring, exhaled atmosphere, as well as warmth. Be assured which following every as well as successfully each and every this kind of encounter, a person shed sufficient calories from fat in order to impact weight reduction accomplishment.

Consequently, the underside collection about the bodily aspect associated with weight reduction is actually this particular ? proceed difficult sufficient in order to trigger continuous as well as breathing without having exhaustion? and just move provided feasible.
FYI: The typical grownup heartbeat related to this kind of excess fat accomplishment is about 119 is better than each minute. (It may be reduce or more, based on your own fitness. )#)

However, you are able to nevertheless fall short from reducing your weight if you don?t FEW your own bodily assault having a significant, customized knowledge of weight reduction MINDSET.

Excess fat MINDSET

(Believed Designs, Digesting, As well as Attention)

The actual Effect associated with Excess fat Understanding as well as Mindset Upon Weight reduction End result

Actually cease to think about your own human being mindset weight reduction viewpoints?

For instance, exactly what will weight reduction signify for you personally? Could it be the issue associated with consuming meals you like or even detest? Is actually dropping excess fat inspired with a requirement for interpersonal alter? Would you like to slim down to be able to really feel much better, appear much better, or even carry out much better?

All the over, or even not one from the over ? it is your decision. Everyone offers his / her personal customized generate or even reason with regard to attaining weight reduction benefits.

However, no matter your own inspiration within the over, you will find main excess fat portion problems you?ll probably encounter. Included in this are:

Fatigue

Insufficient Know-How

Concern with Becoming Observed

Insufficient Inspiration

Insufficient Persistence

Understand this particular on your own ? Individuals who slim down as well as maintain this away along with self-sufficiency, assured, as well as manage ? him or her exercise regularly. Mindful repeating is actually input main activity
actions.

Exercise as well as update your own capability to REPLICATE an excellent, rational, weight reduction motion.

This really is, in a nutshell, thoughts manage? instruction your self as well as obtaining particular, remarkably useful ability within: the) developing a weight reduction focus on; w) striving at the specific excess fat focus on; as well as d) striking which fat-loss focus on nearly every time.

They are forces from the thoughts, and also the bodily weight reduction benefits basically adhere to your own psychological directive.

No-one can state sufficient in order to tension the significance associated with weight reduction mindset attention as well as usage. Without having this a person remain half-clothed within the inclement climate associated with weight reduction effort.

Weight reduction mindset concepts may proceed because heavy because cognitive technique, obama?s stimulus manage, or even conduct replacement. However, maintaining this at first glance is sufficient that you should slim down. Opt for little increments; set up really short-term objectives which are inside simple achieve. For instance, are you aware which dropping simply 10% of the existing bodyweight is definitely an certified, suitable, very easily measurable as well as attainable weight loss objective?

Whenever you understand this weight reduction quantity, you can observe it equates to regarding 1 or even 2 lbs associated with weight loss each week. One or two fish ponds each week associated with weight reduction through excess fat resources just may be the quantity approved through the United states Local authority or council Upon Physical exercise, the actual United states Center Organization, and also the United states University associated with Sports activities Medication.

This particular simple as well as very easily obtainable weight reduction doctor prescribed is available for your leisure. Utilize it. Additionally, make sure, out of this stage ahead, to not negate the ability associated with weight reduction mindset. Few this together with your excess fat overall performance methods.

To conclude, this particular whole reading through acts basically for example associated with ways to arranged the mind to get rid of pounds with increased usefulness, pleasure, as well as achievement.

Prevent underestimating weight reduction mindset.

The main lacking elements for your system?s weight loss achievement lay right here. Discover all of them, rely on them, take advantage of all of them, as well as accomplish ongoing pleasure, much less tension, enhanced overall performance, the better searching entire body, as well as a far greater entire body.

No related posts.

Source: http://www.wyckoffgenerationalremedy.org/lose-body-fat-with-weight-loss-psychology.html

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Saturday, July 28, 2012

United states health care system - HEALTH, BEAUTY & FITNESS

united states health care systemHence the consumer from it is saved from cancer of the skin along with other illnesses of skin. Whenever we start to leave them behind, it? s a sad day in the usa. You will need to take a look at coverage with an annual basis to be certain that the organization and plan you have is competitive using what is available on the market. Take walks health in the united states side and find out character as it ought to be choose walks around the block enjoy these power tools you had been born with. Another health component that can united states health care system impact bone health is posture. The customers know their privileges and obligations of insurance companies to create medical health insurance more appropriate and affordable instead of the vision of health care reforms to really make it entirely possible that every citizen in Virginia is insured. Sometimes, you might even think it is better to make use of the competitive market and start shopping around for insurance using their company companies. You will find many professional organizations that will be ready to offer medical health insurance for his or her people while offering to become listed on their group. Any adverse health insurance plan covers a particular area of medical costs that might be incurred that is determined by the policy from the health insurance plan. Should you grew tufts health services to become sick after consuming chicken in a restaurant, put the incomplete part of your chicken along with other areas of your meal that will help prove a breach within care an air- tight plastic or glass container to services preserve the infected food. Although it may appear time intensive to undergo all plans to compare, it might be much simpler if a person decides for that online option. Get instant united states health care system insurance costs from multiple service providers online. The problem for seniors further enhanced with introduction of medical health insurance companies like Max Bupa Medical system Health Insurance that provides features like ? No age restriction for enrollment? and ? assured renewability for existence? that are indeed a boon just in case of senior medical health insurance. Or, if you are moving to some region which has sufficient fundamental medical support but is missing in a few specialist areas, you will find evacuation tufts add- ons available which help cover transport costs towards the nearest medical center that states provides the concern you? ll need. Based on a dental professional in Tinley Park IL, xylitol has less calories, carbohydrates, minimizing index list which causes it to be safe and advantageous for those who have united diabetes and unhealthy weight. Similarly, policy makers and lobbying firms are frequently searching for healthcare experts. Finding And Purchasing Professional Health Items Getting a location to visit find professional health items is essential for anybody that values their wellness. Theoretically, you are able to eat anything you want however in little consumptions. The amount of methods that healthcare plans won? t cover is constantly on the shrink, even while costs still rise. At age forty you are able to choose any medical health insurance plan with no medical check- up. Aside from the regular hospitalization expenses, additionally, it covers the incidental expenses like food, commutation by immediate family people, etc. See assets below for any direct connect to free healthcare in New You are able to. Vitamin D in Diet: Vitamin D also safeguards our heart by obstructing the main compound known as angiotensinogen that when launched through the liver increases bloodstream pressure.

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Source: http://curryrecipe-jp.net/health-2/united-states-health-care-system/

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Facebook's value slides by $10 billion; outlook unclear

(Reuters) - Investors wiped $10 billion off the value of Facebook Inc on Friday, taking the recently listed shares to a new low, after the social network offered no forecast and analysts said mobile investments would put future earnings under pressure.

The 17 percent slide in the shares took Facebook's market capitalization to $48 billion -- half its IPO launch value of $100 billion in May.

The latest slide cost CEO Mark Zuckerberg, the 28-year-old who founded Facebook in his Harvard dorm room, around $2.3 billion, based on his shareholding.

The social network just beat revenue expectations on Thursday in its first quarterly earnings but the company failed to reassure investors about its future prospects.

"Facebook has established itself as an Internet utility but it might take a while for Facebook to gain Wall Street love," Citi Investment Research analysts said in a note.

Investors worried about how the social network would make money from mobile advertising had hoped that the company would signal that revenue growth was picking up.

The shares have shed around 40 percent of their value since the company's ill-starred debut at $38 on May 18.

They fell to a record low $22.28 in morning trading on Friday before recovering a little to $23.03. It was far and away the most heavily traded stock, with 52 million changing hands.

At least four brokerages, including Barclays Capital, cut their price targets on Facebook stock, although most suggested it was worth much more than current trading levels.

Created just eight years ago, Facebook continues to grow -- hitting 955 million active users a month at the end of June -- but its shares have slid since its May IPO as investors questioned a valuation of more than 50 times earnings.

MOBILE MOJO

J.P. Morgan Securities analysts said the stock could also be under pressure because some early investors will be able to sell shares from August 19, potentially flooding the market with stock.

But most focus was on the company's mobile strategy, with big questions about whether it can sustain growth as users increasingly access Facebook on mobiles, where it has found it hard to squeeze in advertisements.

Facebook only recently began to offer limited advertising on its mobile platform, so far generating little revenue.

Facebook is investing heavily in improving mobile apps and building a platform on top of which new apps can be built, but so far that has increased capital expenditure but not delivered big gains in revenue.

The company, which competes with established Web companies such as Google Inc and Yahoo Inc, said capital spending more than tripled to $413 million in the second quarter.

"Facebook is in the early stages of an important transition in its (mobile) advertising business that should drive accelerating growth and margin expansion over time," J.P. Morgan Securities analysts said.

The company ended the quarter with 543 million active monthly mobile users, up two-thirds from a year earlier but advertising views lagged user growth. Mobile access now accounts for 57 percent of total users.

The bright spot was that sponsored stories brought in much better rates than traditional ads, allowing Facebook to increase prices by 9 percent, Morgan Stanley analysts said.

A sponsored story is an advertisement that appears on a user's Facebook page and tells the user that a friend "likes" the advertiser.

Despite Facebook's slide from grace, many analysts still see the stock bouncing back.

Six analysts rate the stock a "strong buy," 11 rate it "buy,", 17 rate it a "hold", while one each rate it a "sell" and "strong sell", according to Thomson Reuters' StarMine. The mean price target on the stock is $38.00, suggesting a 71 percent upside to Friday's low of $22.28.

Facebook's woes add to pressure at Zynga Inc, which gets nearly all of its revenue from the social platform's users. Fading fortunes of hit games such as "FarmVille" forced the company on Wednesday to slash its outlook.

(Additional reporting by Aditi Sharma in Bangalore; Editing by Tenzin Pema and Rodney Joyce)

Source: http://news.yahoo.com/lack-financial-outlook-drives-down-facebook-shares-111401808--sector.html

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QUICK PROJECTS LIMITED, EXECUTIVE OPPORTUNITIES IN A ...

Executive Opportunities In A Leasing Company

Our client, a leading organization in the financial services sector is in search of high performing executives to start-p, effectively, manage and grow a leasing company.

The company will provide both operating and finance lease services. It will focus on offering to the growing Nigerian middle class, companies and manufacturers in various sectors of the economy. To achieve its strategic goals our client seeks to fill the following positions:

General Manager/CEO

The successful candidate shall be responsible for the management of the company?s operations and optimization of its resources for stakeholders? benefit. The General Manager will report to the Board of Directors of the company and will:

Develop and implement short, medium and long term strategic, action plans and targets in linewith defined vision, mission and strategic objectives approved by the board.

Conduct regular review of the company?s competitive environment and take appropriate measures to jump start and continuously increase the company?s market share

Define and sustain appropriate work ethics and culture for the company and institutionalize the company?s values across all processes, polices and strategies.

Recognize, anticipate and respond all issues and opportunities that effect the company?s financial and operational stability and effectively safeguard the company?s interest and conditions at all times

Implement key strategic and business development initiatives to achieve top five position in the leasing subsector in the medium term.

Ensure the company remains a highly socially responsible person and meets its compliance obligations to all statutory and regulatory institutions.

Ensure efficient day-to-day management of the company.

Qualifications And Attributes

A first degree, preferably in finance, accounting, business administration or related discipline from a reputable institution.

A master?s degree in relevant field and a relevant professional qualification such as ACIB, ACA, ACCA, CFA or its equivalent will be an added advantage

Minimum of 10 yeas cognate experience with at least 5 years not be low the passion of Assistant General Manager n a reputable leasing company or a financial institution with related focus.

Strong interpersonal skills combined with outstanding relationship and business development capabilities.

High level of professionalism, exemplary teamwork and excellent leadership skills

Head, Credit & Business Development

The successful candidate shall be responsible specifically for the following:

Provide executive management support to the CEO and leading effective implementation of strategic business actions to support short, medium and long term goals of the company

Develop and implement departmental strategic plans in line with the defined vision, mission and objectives approved by the board/

Take leadership of revenue generation activities of the company including assuring the company?s long term competitive positioning.

Lead lease & credit analysis and facilitate credit memorandum for management and board approval.

Develop and manage the lease and credit risk assets portfolio.

Ensure consistent performance of accounts generated, sustain high quality of risk assets, and achieve portfolio ? At Risk (PAR) targets.

Develop and sustain channels for consistent liability generation

Initiate and sustain effective risk management of the company?s operations at all levels of its business

Provide strategic and tactical leadership directly to relevant units

Qualifications And Attributes

A first degree, preferably in finance, accounting, business administration or related discipline form a reputable institution

A master?s degree in relevant field and a relevant professional qualification such as ACIB, ACA, ACCA, CFA or equivalent will be an added advantage

Minimum of 8 years cognate experience with at least 4 years not below the position of manager in a reputable leasing company or a financial institution with related focus

Excellent leadership and relationship management skills with outstanding business development and networking capabilities.

Strong analytical and decision-making competencies.

Head, Treasury And Investment

The successful candidate shall be responsible specifically for the following:

Support and participate in the overall strategic plan implementation of the comp

Develop and implement departmental strategic plans in line with defined vision, mission and objectives approved by the board

Effectively manage financial resources and short-term and long-term investment portfolios of the company

Provide effective development sustenance of reliable funding sources

Management relationship with bankers and investing clients and ensure efficient transfer of information at all times

Lead market intelligence and investment pricing decisions and provide strategic response to national fiscal and monetary polices

Provide oversight and monitoring of the company?s financing operations and ensure efficient financial modeling.

Provide regular review of product offerings and lead new product development initiatives.

Qualifications And Attributes

A first degree, preferably in finance, accounting, business administration or related discipline form a reputable institution

A master?s degree in relevant field and a relevant professional qualification such as ACIB, ACA, ACCA, CFA or equivalent will be an added advantage

Minimum of 8 years cognate experience with at least 4 years not below the position of senior manager in a reputable leasing company or a financial institution with related focus

Excellent analytical/quantitative decision making skills and outstanding asset management skills.

To Apply

Interested candidates who meet the qualities and qualifications above should apply stating their desired position and send their comprehensive CV to info@quickprojectsng.com.

Deadline: August 14, 2012

All applicants are guaranteed that their applications will be treated with the highest level of confidentiality. Only shortlisted candidates will be contacted.

Source: http://www.naijaguardianjobs.com/2012/07/quick-projects-limited-executive.html

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Friday, July 27, 2012

Home Aquarium ? Great Benefits Of Keeping Fish As Pets | More ...

Fishes have been reared in homes for the purpose of eating them. This practice is prevalent since 1800. Understandably, homes in coastal areas had easy access to a variety of fishes and home aquariums were quite popular in these areas. Nowadays, fishes are more of pets which are very lovingly looked after. Aquariums at homes carefully monitor the growth of fishes which provide entertainment to the people. Home aquariums are generally found in hospital rooms and in places like Nordstrom where small children have to be entertained while parents shop. Aquariums thus add a touch of colour and excitement in the life of a lot of people.

It is good for you if you could convince that kid of yours who is hankering after a puppy in the pet store to settle for fishes instead. This will save you a lot of time you would otherwise be spending on looking after cats, dogs and birds.Advantages of fish rearing include going out of town even for a week or more without having to worry too much. All you need to do is to ask one of your helpful neighbours to feed them once or twice. Thats about it. You do not have to run after fishes trying to give them a bath. Of course, you definitely need to clean your fish tank at least once a week but then, this effort is minimal as compared to looking after bigger pets. There is the cost factor to be considered. While a dog or a cat may require frequent visits to the vet for their tick medications, flea treatments and vaccinations, fishes are quite happy without visiting any vet. They do not demand any stuffed doll or other pet toys in order to be entertained as with the puppies and dogs.

Inspite of the fact that an aquarium would require much less attention from an adult, they are a pretty and yet, interesting addition to make your home look better!
Aquariums are one of the best entertainers when it comes to small kids and toddlers as well, but just be sure to keep your toddler away from the aquarium- you dont want anyone drowning, or any fish dying for that matter!
Children often are excited by the prospects of taking care of pets, and the child can be entrusted with doing small tasks in maintaining and taking care of the fish form time to time!You can get your kids to feed the fish, and this will not only give them a sense of responsibility, it will also make them feel important to themselves and generally around the house. Some extra help while cleaning the tank is also not a bad idea! A two year young kid can spend hours trying to talk to his little fish, or just draw and paint out pictures of them whenever he wants! Aquariums at you house could be exactly what you want for only the right reasons, if only you put some thought into how to use it effectively!

Not only that, aquariums could help your kids with colour understanding, memory issues and even math! Imagine naming all your fish, and asking you shild to differentiate between different fishes in terms of colour ,size and name!

In the midst of technology boom like the myriad cable channels and addictive video games, an aquarium is a refreshing and entertaining addition to any home. You will definitely feel the difference if only you would try substituting that television program with an hour of sitting in front of the aquarium. You may even start an interesting relationship with those fishes.

Abhishek Agarwal
http://www.articlesbase.com/pets-articles/home-aquarium-great-benefits-of-keeping-fish-as-pets-740512.html

Technorati Tags: Aquarium Fish, Coastal Areas, Easy Access, Entertainers, Fish As Pets, Fish Pets, Fish Tank, Fishes, Flea Treatments, Frequent Visits, Home Aquarium, Home Aquariums, Keeping Fish, Neighbours, Nordstrom, Pet Store, Pet Toys, Puppies, Small Kids, Tick

Source: http://www.moreaboutparenting.com/happy-kid-3/home-aquarium-great-benefits-of-keeping-fish-as-pets

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Cease The Constant Healthy Skin Care Have a problem Now ...

If you have problems along with your pores and skin, you?re not alone. Lots of people suffer from poor and ruined pores and skin mainly because they don?t understand the proper ways of caring for their skin. If you?re among the many people with skin area issues, continue reading and attempt these tips to find out if they guide you.

It is advisable to tuck a compact box of hand lotion into your purse or else ensure that you also have this kind of product shut at hand. Not just will be the hands and wrists specifically vulnerable to drying out, cleansing them as much when you must has a tendency to exacerbate their dry skin. Recurrent applications of fingers skin cream will keep them hunting their very best.

Use sugar-cinnamon and darling to help remedy your scalp. This can be done quite easily in your own home. Blend some sugar-cinnamon with a certain amount of darling and make use of the mixture to massage therapy your head then wash it together with your regular natural hair shampoo. Many individuals utilize this method and have great success from it as a head remedy.

When you are a youthful teen, you then ought to observe what makeups you employ in your deal with. Several heavy makeups can cause your skin layer being damaged and bust out. Ultimately, you should experiment to discover that makeup products that matches your own personal type of skin which means your epidermis stays wholesome and delightful.

When you are experiencing a dandruff difficulty but do not want to go to the beauty beauty salon for the hot essential oil treatment for your head, it is possible to continue to make use of an in-depth essential oil remedy from the luxury of your property. All it requires is numerous tablespoons of organic olive oil through the kitchen pantry, warmed up in the microwave oven. Be sure not to heating the oils way too popular. Utilize the gas to your your hair and head. In case you have a plastic-type cap, then cover your mind from it for additional consumption. Keep on for about 20-30 minutes, then always rinse with tepid water. Following treatment method, you will learn that the dandruff is gone and your head of hair is shinier than ever before.

Skip the coffee and free your epidermis. Caffeine has become known to worsen stress, which, consequently, exacerbates pimples. If you?ve made a decision to reduce caffeinated drinks away from your existence, it is best to achieve this little by little. Reduce your absorption in half, then by 50 percent once more, prior to cease cold poultry. Don?t forget to observe your consumption of burst and dark chocolate, too!

Give yourself the advantages of the doubt in relation to the skin care. By transitioning to taking cozy showers rather than very hot versions. By doing this you may maintain your epidermis from drying out out on account of becoming as well hot. Dry skin is probably the main reasons for facial lines and irritation.

The content over was created to help those that have the drive to acquire a good and youthful appearance. The skin will work along as long as you spend some time to put the proper care into it that it must have to remain healthy and glowing. Stick to the tips over consistently and you may be rather pleased with the outcomes.

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Source: http://guru3x.com/cease-the-constant-healthy-skin-care-have-a-problem-now/

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Eye Level: Kerplunking Culture: Art-o-Mat Swap Meet

? The Moon is a Television: On Nam June Paik's 80th | Eye Level Home

Kerplunking Culture: Art-o-Mat Swap Meet
July 26, 2012


Different Art-O-Mat vending machines

Repurposed vending machines produced by Artists in Cellophane

I have a confession. I like vending machines a little too much. The convenience, the multitude of options, the opportunity to empty out my change purse?what's not to love?

Artist Clark Whittington from North Carolina has come up with a vending machine that may be the best one I've seen yet. It's certainly the most figure-friendly. Instead of stocking the machines with chips, candy, and soda, Whittington and the aptly-named Artists in Cellophane group create cigarette package-sized artworks to be installed in and sold from repurposed cigarette vending machines (remember those?). Called Art-o-mats ("arto" for short), these machines help make art more accessible to everyone?you can buy your own artwork for a mere $5. It should be said, too, that even the machines themselves are works of art! Loyal readers of Eye Level may remember the Luce Foundation Center's excitement just about two years ago when we received our machine. It has become a fixture on the third floor and a favorite among our visitors.

On Saturday, July 28, the American Art Museum will host Artists in Cellophane and the Art-o-mat Swap Meets. This program celebrates the 15th Anniversary of Artists in Cellophane. Around 30 participating artists will be on hand to provide short demos of their work and mingle with you, fellow Art-o-mat enthusiasts! The Luce Center will provide art and craft supplies so you can create your very own artpaks to swap with your friends and family. Recently, we snagged a few minutes of Clark's time to ask him a few questions about the Swap Meet.

Eye Level: Where did the idea to do the swap meet come from?

Clark Whittington: Back in 1999, we had a small "convention" in the original arto venue (a cafe/coffee shop). Artists set up tables like a small crafts fair. That is when we noticed that artists would swap their arto work with each other and then go home with a small collection. In 2002 (our 5th anniversary) we had our first official swap meet.

EL: What is your best swap meet memory?

CW: Each one is unique and special things happen. But, I have to say that the energy of arto artists meeting (sometimes for the first time) is a very unique thing.

EL: What are you most looking forward to about having the event that the American Art Museum?

CW: Well, the American Art Museum is a wonderful host with a beautiful space. But, I feel that it will be nice to move beyond our home base for our 15th [anniversary]. Also, having more regional swaps over time would be nice as not all artists can afford to travel. So, this will be a nice test run. Having one out west is next on our wish list.

EL: What can our visitors expect?

CW: This is a rare opportunity to meet the artists who keep our machine network filled with art. It will be a fun afternoon.

The Swap Meet runs from 1 to 4:30 p.m. and we hope you'll come meet some artists and make an artpak. If you're not feeling so artsy, the Luce Center will also offer a special Art-o-mat scavenger hunt. See you Saturday!

Posted by Bridget on July 26, 2012 in In This Case: Luce Foundation Center



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Source: http://eyelevel.si.edu/2012/07/kerplunking-culture-art-o-mat-swap-meet-.html

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Thursday, July 26, 2012

Channel Vision Knowledge Base ? Answers Archive ? www ...

Sorry, Readability was unable to parse this page for content.

Source: http://www.channelvision.com/knowledgebase/www-louisvuittonupdatedonline-com4gn6n4h49j4/

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Obama pledges to work with Congress on violence

President Barack Obama waves as he arrives to speak at a fundraiser at The House of Blues in New Orleans, Wednesday, July 25, 2012. (AP Photo/Gerald Herbert)

President Barack Obama waves as he arrives to speak at a fundraiser at The House of Blues in New Orleans, Wednesday, July 25, 2012. (AP Photo/Gerald Herbert)

President Barack Obama speaks at a fundraiser at The House of Blues in New Orleans, Wednesday, July 25, 2012. Obama is fundraising in New Orleans and is scheduled to speak to the National Urban League convention. (AP Photo/Susan Walsh)

President Barack Obama speaks at a fundraiser at the House of Blues in New Orleans, Wednesday, July 25, 2012. (AP Photo/Gerald Herbert)

(AP) ? In one of his most expansive responses yet to gun crime, President Barack Obama on Wednesday embraced some degree of control on the sale of weapons but said he would also seek a national consensus on combating violence. He said responsibility for curtailing bloodshed also rests with parents, neighbors and teachers to ensure that young people "do not have that void inside them."

Speaking just six days after the movie theater shooting in Aurora, Colo., that left 12 dead, Obama pledged to work with lawmakers of both parties to stop violence, not only the sudden massacres that have bedeviled the nation, but the steady drip of urban crime that has cost many young lives.

"We should leave no stone unturned and recognize that we have no greater mission that keeping our young people safe," Obama said in a speech to the National Urban League.

Obama called for stepped-up background checks for people who want to purchase guns and restrictions to keep mentally unbalanced individuals from buying weapons. He says those steps "shouldn't be controversial, they should be common sense."

But he also added: "We must also understand that when a child opens fire on other children, there's a hole in his heart that no government can fill."

Obama's speech represented a bookend to a four-day trip that began in Colorado on Sunday when he visited with survivors of the theater massacre.

For Obama, the address to the National Urban League was a necessary overture to a voting bloc that overwhelmingly backs him but that has sustained much of the brunt of the economic downturn.

In his speech Obama promoted his economic and health care policies, tailoring what has become a standard campaign speech to his African-American audience. He drew attention to initiatives that have helped Americans in general, and African-Americans in particular.

But, as he did during his 2008 campaign, he also pressed personal responsibility.

He said young Americans are competing against kids in Beijing and Bangalore. "You know, they're not hanging out ... they're not playing video games, they're not watching 'Real Housewives,'" he said. "I'm just saying. It's a two-way street. You've got to earn success."

Ahead of Obama's remarks, the Urban League played a video showing photos of famous African-Americans that culminated with images of the president and his family the night of the 2008 election. The crowd of several thousand responded with thunderous applause that was sustained as Obama walked on stage and peppered with chants of "four more years."

Obama spoke on the same day that the Senate gave him a political victory by passing an extension of Bush-era tax cuts for households with less than $250,000 in earnings. The president has made retaining current tax rates for middle-class taxpayers a central piece of his economic policy while rejecting Republican efforts to extend the current tax rates for all. Under Obama's plan, taxes for wealthier Americans would rise. The Senate measure, however, was expected to go no further because of the Republican-dominated House.

While enthusiasm among some Obama supporters has faded since 2008, support for America's first black president remains high among African-Americans. In a recent Associated Press-GfK poll, 82 percent of black adults said they would vote for Obama. His approval rating among blacks was 87 percent.

Obama skipped an appearance at the NAACP earlier this month, raising questions about whether his campaign was taking black voters for granted. The White House blamed a scheduling conflict and sent Vice President Joe Biden to address the nation's oldest civil rights organization.

Republican challenger Mitt Romney also addressed the National Association for the Advancement of Colored People, raising eyebrows when he told the crowd: "If you want a president who will make things better in the African-American community, you are looking at him."

Obama announced that he would sign an executive order on Thursday that creates a new office to bolster the education of African-American students. The White House says the office will coordinate the work of communities and federal agencies to ensure that these youngsters are better prepared for high school, college and career.

Obama also was raised campaign money at two separate stops in New Orleans: an intimate 20-person event at the cost of $25,000 per person, and a larger event at the House of Blues for 400 people, with tickets starting at $250.

Obama raised at least $6 million at events this week in California, Oregon and Washington. The president started the trip Sunday with a stop in Colorado to meet with survivors and families of the victims of last week's movie theater massacre.

___

Associated Press Deputy Polling Director Jennifer Agiesta in Washington contributed to this report.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/89ae8247abe8493fae24405546e9a1aa/Article_2012-07-25-Obama/id-5abdc2f6f31340d7aca373cab363111f

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Fall Sports Registration Begins SOON! | Sumter?In the Middle of ...

Yesterday afternoon, I found myself conducting a rather unexpected group bus tour of our community.? Of course, the downtown area, the shopping district and many other places were bustling with activity.? But it was slightly strange to drive into our top-flight sports facilities and see them looking like ghost towns.? After all, it doesn?t take a whole lot of imagination to hear the pop of tennis balls, the crack of a wooden bat or the cheering crowds at a hot soccer match, because those are sights and sounds that Sumter is well accustomed to.? Our fields and courts are almost always filled?just try and get down Theatre Drive past Bobby Richardson Park and the Palmetto Tennis Center on a weekend!

With the summer beginning to wind down (calendar-wise, definitely not temperature-wise!), it is time for all of that to change.? Fall sports registration is almost here!? The Sumter County Recreation Department?opens the doors for youth football, cheerleading, baseball, softball and soccer youth registration, along with adult softball, on July 30.? Registration continues through August 16, with baseball and softball registration going until August 23.?

The Recreation Department also offers a variety of activities for all ages year-round, including karate, shagging, clogging and more.? For more complete information about programs, pricing and participation, please call the Sumter County Recreation Department at (803) 436-2248 or e-mail recreation@sumtercountysc.org.? The department office is located at 155 Haynsworth Street and is open Monday through Friday, 8:30 a.m. to 5 p.m.?

It?s time to get those fields moving again with fall sports action!

Source: http://sumtertourism.wordpress.com/2012/07/25/fall-sports-registration-going-on-now/

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Iran offers "unchangeable" support for Syria

DUBAI (Reuters) - Iran said on Thursday it would stand by its ally Syria despite mounting international pressure on President Bashar al-Assad to step down to defuse a 16-month uprising against his rule.

Iran's Press TV quoted first Vice President Mohammad Reza Rahimi as saying Tehran's support for Syria was "unchangeable", countering suggestions that Tehran could soften its backing for Assad, the Shi'ite Muslim republic's closest Arab ally.

"The Iranian people have an unchangeable stance on Syrians and will always stand by them," Rahimi was quoted as saying, accusing major powers of uniting to damage the Syrian nation.

The secretary of Iran's National Security Council, Saeed Jalili, said on Thursday Tehran was ready to support Damascus "more than before in the face of foreign pressure", the official IRNA news agency reported.

Despite lauding popular uprisings in other Arab countries as an "Islamic awakening", Iran has dismissed opposition to Assad's rule as a foreign conspiracy.

A statement earlier this month by Iranian Foreign Minister Ali Akbar Salehi that Tehran was ready to host talks between the Syrian government and opposition groups had suggested a possible policy shift.

In a concrete sign of support for the Syrian authorities, a delegation of Syrian ministers was received in Tehran on Thursday and the two sides agreed a deal on importing Iranian electricity via Iraq.

"We agreed with Iran that in one month agreements be made with Iraq so that, putting problems to one side, electricity imports from Iran begin," the Iranian Students' News Agency (ISNA) quoted Imad Khamis, Syria's electricity minister, as saying.

"Iran will not leave Syria alone in difficult times," Iranian Energy Minister Majid Namjou was quoted as saying by ILNA news agency, adding Tehran was ready to reconstruct facilities damaged in Syria during the uprising.

Iraq's Shi'ite Muslim-led government, which is close Iran, has called for reform in Syria - whose leadership belongs to the Alawite sect, an offshoot of Shi'ite Islam - rather than an end to Assad's 12-year-old rule.

(Reporting by Isabel Coles and Zahra Hosseinian; Editing by Mark Heinrich)

Source: http://news.yahoo.com/iran-offers-unchangeable-support-syria-153101458.html

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Spain feels debt heat, Greece way off bailout terms

MADRID/BRUSSELS (Reuters) - Spain paid the second highest yield on short-term debt since the birth of the euro at an auction on Tuesday, and EU officials said Greece had little hope of meeting the terms of its bailout, casting fresh doubt on its future in the euro zone.

Spain's increasingly desperate struggle to put its finances right has seen its borrowing costs soar to levels that are not manageable indefinitely, reflecting a growing belief that it will need a sovereign bailout that the euro zone can barely afford.

It has become the recent focus for investors, but Greece - where the sovereign debt crisis began - remains a powder keg. If Athens were to default or exit the euro zone, the knock-on effects could push Spain and even Italy over the edge.

With inspectors from the EU, European Central Bank and International Monetary Fund returning to Greece to decide whether to keep it hooked up to a 130-billion-euro lifeline or let it go bust, three EU officials said they were likely to conclude Athens cannot repay what it owes, making a further debt restructuring necessary.

This time, the European Central Bank and euro zone governments would likely have to take a hit on some of the estimated 200 billion euros ($240 billion) of Greek government debt they own if Athens is to be put back on a sustainable footing.

But there is no willingness among member states or the ECB to take such dramatic action at this stage.

"Greece is hugely off track," one of the officials told Reuters, speaking on condition of anonymity. "The debt-sustainability analysis will be pretty terrible."

Prime Minister Antonis Samaras said Greece's economy could contract by more than 7 percent this year, pushing debt-cutting targets further out of reach, but he pledged to stay the course.

"There are certainly delays in this year's agreed programme, and we must quickly catch up," Samaras told party colleagues. "Let's not kid ourselves, there is still big waste in the public sector, and it must stop."

The Spanish Treasury sold the 3 billion euros of three- and six-month bills it was aiming to, though yields climbed; the six-month paper jumped to 3.691 percent from 3.237 percent last month.

"The most important takeaway from this auction is that Spain was able to get all its debt out the door," said Nicholas Spiro of Spiro Sovereign Strategies. "Still, in March, Spain was able to issue six-month debt at a yield of under 1 percent. Now it is paying 3.7 percent."

Spain had cushioned itself by securing well over half its annual debt needs in the first six months of the year when market conditions were more benign, but that advantage has evaporated as its funding needs for the rest of the year have grown.

On Friday, the government said it expected the economy to remain in recession well into next year, while the autonomous region of Valencia became the first to ask Madrid for aid to pay debt obligations it cannot meet. Others are expected to follow.

Spain's northeastern region of Catalonia, responsible for a fifth of the country's economic output, admitted it had financing needs to meet while its access to markets was shut, but had not decided yet whether to tap a state liquidity line.

BOND MARKET MESSAGE

On the secondary market, Spanish five-year government bond yields rose above 10-year yields for the first time since June 2001. Having to pay more to borrow shorter-term rather than longer-term is usually a sign that markets think the risk of a default or debt restructuring has increased.

"The spread between 5- and 10-years moved to negative today, which is a classic sign that the market thinks the current trends are unsustainable for Spain's fiscal dynamics," said Nick Stamenkovic, bond strategist at RIA Capital Markets.

The return investors demand to hold Spanish 10-year bonds is now at 7.6 percent, while the cost of insuring Spanish debt against default has also hit record highs.

Ten-year yields above 7 percent have proved to be a tipping point leading eventually to bailouts for other countries in the euro zone, though Spanish Economy Minister Luis de Guindos insisted on Monday that Madrid would not need more aid.

The government has already asked for up to 100 billion euros to recapitalise the nation's banks, which have been battered by a four year economic downturn and a property crash.

The government has launched a fresh 65 billion euro package of tax rises and spending cuts designed to chip away at its debt mountain but it will also probably drive the economy deeper into recession.

The alarming spiral of Spain's debt costs has banished any hopes that a bailout of its banks, or a June EU summit that gave the euro zone's rescue funds a green light to intervene in the markets, has put the debt crisis into abeyance.

Spain and Italy have called for help to ward off market pressure. The ECB has cut interest rates but has shown marked reluctance to revive its bond-buying programme, the only mechanism that could lower borrowing costs at a stroke.

De Guindos and Wolfgang Schaeuble, Spain and Germany's Finance Ministers, called on Tuesday for a quick implementation of the decisions of the last European Union summit, particularly setting up a banking union with a single European supervisor.

They also said after meeting in Berlin that Spain's funding costs did not reflect the fundamentals of its economy and the sustainability of its debt.

French Foreign Minister Laurent Fabius said further aid for Spain could take the form of an increase in Europe's rescue fund or action by the ECB.

"I hope it will not be necessary to intervene again," he told France 2 television. "If we have to intervene, it could be an increase in the firewalls ... or interventions by the central bank."

The euro zone as a whole is now subsiding into recession.

Business surveys on Tuesday showed the currency area's private sector shrank for a sixth month in July, with the downturn that began in the euro zone's high debt nations now becoming entrenched in Germany and France.

Credit ratings agency Moody's Investors Service lowered its outlook for Germany, the Netherlands and Luxembourg to negative from stable late on Monday, citing an increased chance that Greece could leave the euro zone.

It also warned Germany and the other 'AAA'-rated countries that they might have to increase support for Spain and Italy.

(Additional reporting by Paul Day, Jan Strupczewski, Ilona Wissenbach, Annika Breidthardt, Manuel Ruiz, Dina Kyriakidou, Nicholas Vinocur, Marius Zaharia, Emelia Sithole-Matarise and Ana da Costa; Writing by Mike Peacock,; Editing by Anna Willard, Janet McBride, Will Waterman and Peter Graff)

Source: http://news.yahoo.com/spain-feels-debt-heat-greece-way-off-bailout-195317313--sector.html

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What Everyone Ought To Know About Article Marketing | California ...

Any successful marketing campaign owes its success to the person who has made the effort to learn effective strategies and apply them consistently. By using the research and development included in this article, you can learn how to run a marketing campaign quickly and efficiently.

Having something that captures the readers attention is essential in article marketing. There are many factors, so the writer must choose the best ways, based on the content of the articles.

Article marketing is not about turning an article into a sales pitch. When your articles contain content that your audience finds compelling, your product or idea will sell itself. If your writing sounds like a slick promotion instead of useful information, you will lose their attention and interest quickly.

You want to hook your readers right from the beginning. Have a great opening to anything you publish on the internet. Grab your reader?s attention with questions or statistics, or something else that will make them want to fully read your article. The opening is their first interaction with you and can make the difference between clicking through to your website and staying, or completely ignoring you and going on to the next internet wonder.

Controversy sells, so don?t be afraid to use it to hook in readers. The media uses this to their advantage. Find some way to make contentious topics, such as politics, religion, education and sports, relevant to your articles. Not only will people flock to read them, but they will also market them for you by posting them on blogs, forums or even on their own websites, thereby attracting more readers. With a little luck, an article may even go viral.

Create a title for your article that grabs your reader?s attention. Article marketing is big business, so make sure that you stand out in the crowd.

Time is essential when dealing with an online audience. Most readers only spend one minute or less with any given content, so be clear and lead with your most persuasive arguments to maximise this short amount of time. Make your points quickly and concisely in vocabulary that is easy to understand. Bullet points, as well as lists, are also a good way to make information easier to scan.

Write in your own voice whenever writing your own material. If you have to come up with synonyms for every other word you should consider not submitting that article. The audience will know that the content is not you speaking and will most likely avoid reading any more of your content.

Use your writing time efficiently and make a commitment to write on a regular schedule. Learn anything you must about writing to improve your skills. If you find something is helpful to you, establish it as a part of your regular routine. By getting better at writing, you are also raising your hourly rate of pay.

Article marketing provides a way to make money without any upfront costs. Most successful article marketing businesses use both paid and free services. Just like anything else, the more you invest (time and money), the more rewards you will reap.

Make good use of the author box by filling it with relevant and engaging information. If you have a brief biography, you should tell your audience why you write about what you do. Always include a link that will direct readers to your primary site. If you happen to be running several different sites, it is important to make sure that your links are correct.

Borrow this solid advice from the successful marketers that have come before you. Use the advice of those who have gone before you to get the great results you want and deserve.

from your own site.

Source: http://mark.californiareal.net/what-everyone-ought-to-know-about-article-marketing/

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Wednesday, July 25, 2012

How Window | Emil's Blog

If you are a Windows XP someone looking to get advanced manners from your computer, you should regard moving a Windows XP agreeable written account cleansing agent. Using a register preparation can burgeoning the ceremony and get longer the life of your electronic computer. Best of all, register cleaners are express and unproblematic to use. Read on to learn more roughly cleanup your written record and optimizing your PC.

The Windows XP written record is wherever the operative complex stores all kinds of far-reaching hearsay on your software, settings, and much. The register is incontrovertibly judgmental to the business activity of your computing device. Thats why once difficulties fall into place within the written account your computers execution suffers.

To fix registry correlative difficulties and swell your engineering speed, you will demand to sign up the comfort of a Windows XP register cleaner. These programs will scrutiny your registry for errors and fixture the difficulties that are unconcealed without thinking. Using a written record preparation is painless and the action is straightaway. Often, you can all a register improvement in as pocket-size as 15 written account.

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There are various marvellous Windows XP written account store unclaimed for download. My favorite of these is RegCure. I same RegCure because it is some violent and straightforward to use. RegCure besides offers surplus features look-alike commencement point optimisation and chore programing. By running the start improvement wizard, I can superior which programs I poorness to payload on beginning and which ones I don't. This cuts trailing on instance and frees up reminiscence that would other be trussed up running programs I don't want or want. RegCure is XP harmonious and you can download the unconfined revision of it finished the intermingle at the nethermost of this nonfiction.

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After you have downloaded and installed your registry cleaner, you call for to run a scan. The scan will inform you how galore errors were recovered in your register. Don't be afraid if the examination returns hundreds or thousands of errors in your written record - this is clearly common. running a examination is confident to do and should lone rob a few moments to prepared.

After your scrutiny is finished, it's case to run the very cleanup. This is a largely unthinking system. Just instruct the registry formulation to improvement the errors that were recovered and sound the fixing. Off it goes, repairing and eliminating questionable written account entries. This tactical maneuver can clutch a few minutes, so consistency freed to tactical manoeuvre away piece the software system does it's job.

When you are all finished, your registry will be on the loose of errors and optimized for bigger manners. Many associates story that cleanup the written record repaired their Windows XP information processing system to "like-new" rider.

Source: http://www.emilschicago.com/uncategorized/how-window/

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