cheryl hines john lackey john lackey ed lee ed lee garmin nuvi 1450 tommy john surgery
Saturday, February 18, 2012
Coal and diamonds shoer up Anglo American in 2011 (AP)
[unable to retrieve full-text content]AP - Mining company Anglo American PLC posted Friday a record operating profit for last year following big advances in its coal and diamonds operations.
TrendexHome.com Tablecloths and Accessories Welcome Friends ...
Kevin Trudeau Show ? 12-15-09 ? Part 11 of 12 Topics: Hanukkah, Christmas, Pleased Holidays, Kwanzaa Listeners have compared Kevin Trudeau?s radio show to the best parts of Michael Savage, Howard Stern, Art Bell, John Tesh and Rush Limbaugh. Kevin Trudeau is one of the most read authors of all time. His books have all been best sellers and have sold over 30 million copies globally. Kevin?s most controversial book, Natural Cures ?They? Don?t Want You to Know About was number 1 on the New York Times best sellers list for 26 weeks in a row becoming the best selling health book of all time. The Kevin Trudeau Radio Show originates from studios at Trudeau?s World Headquarters in Chicago. Visit www.ktradionetwork.com for more information!
Video Rating: 5 / 5
New York, NY (PRWEB) October 1, 2009
TrendexHome.com™, the fashion-forward designer and distributor of premium table linens, welcomes America?s families home for the holidays with 25% off savings on all merchandise at http://www.TrendexHome.com through December 5, 2009. TrendexHome.com is the fashion-forward destination for in-home table settings offering nearly 250 styles of tablecloths, napkins, and napkin rings to suit every holiday theme, taste and budget. To receive the discount, shoppers must enter the code HOLIDAY during the checkout process.
Research from Information Resources, Inc. (IRI) indicates that more Americans will celebrate at home this holiday season. According to IRI, more than 90 percent will get together with family and friends over the dinner table and at holiday parties. Nearly 75 percent plot to eat their holiday meals at home, while half say they will dine at friends? homes. In-home holiday celebrations are a cost-cutting strategy for consumers who indicate they will spend the same or less on holiday meals this year.
?With consumers looking to stretch their dollar without sacrificing enjoyment, the family dining table is becoming the undisputed centerpiece for holiday gatherings,? says Sabrina Bordo, president of TrendexHome.com. ?As we continue to focus on pairing value and quality with style throughout the year, we are pleased to extend this special holiday savings to help our customers delight in truly memorable celebrations with family and friends.?
TrendexHome.com offers a collection of fashionably elegant table linen styles and colors. Each tablecloth can be paired with matching runners, napkins and napkin rings that together make an impressive, coordinated look. For those in need of inspiration, TrendexHome.com offers pre-coordinated entertaining sets in a variety of sizes and place settings.
About TrendexHome.com:
TrendexHome.com is the premier destination for superior quality, fashion-forward table linens and accessories. With 250 pattern and color combinations, TrendexHome.com elevates the dining experience to make a truly memorable event. Whatever the occasion, Trendex Home?s vast and distinctive selection of fabrics and colors ensures that customers find the right furnishings to make a coordinated setting in harmony with their d?cor. For more information visit http://www.TrendexHome.com.
###
derrick rose port charlotte florida kit homes boxing day radio shack bethany hamilton bethany hamilton
Friday, February 17, 2012
Ending individual mandate would not dramatically hike insurance prices, study finds
![[ Back to EurekAlert! ]](http://www.eurekalert.org/images/back2e.gif){kind=small}
Public release date: 16-Feb-2012[ | E-mail |
Share ] Contact: Warren Robak
robak@rand.org
310-451-6913
RAND Corporation
Move would sharply lower number of Americans newly insured
A new RAND Corporation study concludes that eliminating a key part of health care reform that requires all Americans to have health insurance would sharply lower the number of people gaining coverage, but would not dramatically increase the cost of buying policies through new insurance exchanges.
The study comes as the U.S. Supreme Court prepares to hear arguments in March regarding the constitutionality of the individual mandate, a key provision of 2010's Affordable Care Act.
According to estimates created using a microsimulation model created by the RAND Comprehensive Assessment of Reform Efforts (COMPARE) program, the number of Americans predicted to get coverage in 2016 under the Affordable Care Act would drop from 27 million to 15 million if the individual mandate were eliminated.
Despite that drop, the study estimates that eliminating the individual mandate would increase an individual's cost of buying insurance through the individual exchanges by just 2.4 percent.
Under health care reform, health insurance exchanges will be established to provide policies to individuals who do not have work-based coverage and those who work for small employers. A key issue underlying the relatively small increase in premiums relates to the manner in which premiums in the exchanges are allowed to vary by age.
"Our analysis suggests eliminating the individual mandate would sharply decrease coverage, but it would not send premiums into a 'death spiral' that would make health insurance unaffordable to those who do not qualify for government subsidies," said Christine Eibner, the study's lead author and an economist at RAND, a nonprofit research organization.
Another consequence of repealing the individual mandate would be a sharp increase in the amount of government spending for each person newly enrolled in a health insurance plan. Because most individuals who remain enrolled if the mandate is eliminated are eligible for significant government subsidies, government spending for those newly insured would more than double, rising to $7,468, according to the RAND Health study.
"The individual mandate is critical not only to achieving near-universal health care coverage among Americans, but also to yielding a high value in terms of federal spending to expand coverage," Eibner said. "Without the individual mandate, the government would have to spend more overall to insure a lot fewer people."
One of the most contentious provisions of the 2010 Affordable Care Act is the individual mandate that requires most adult Americans to either obtain health coverage or pay an annual fine. Supporters say the mandate is necessary to encourage young, healthy adults to get coverage, and help spread costs and risks across a larger, healthier group of insured individuals.
If the mandate is eliminated, there is concern that the insurance exchanges established under the Affordable Care Act would suffer from "adverse selection" as only sicker, higher-risk adults would sign up for coverage. Such a trend could lead to higher per-member spending and drive insurance premiums higher.
Several other research groups previously studied what might occur if the individual mandate was eliminated. The RAND study predicts dips in overall insurance coverage and changes in government spending similar to those predicted by the earlier studies.
However, Eibner and co-author Carter C. Price used a more-precise method to estimate the effect that ending the individual mandate might have on insurance premiums. It does not predict price consequences as great as those predicted by others.
Other research teams estimated the overall average increase in premiums that would be expected if the individual mandate is eliminated. The RAND analysis focuses on the annual increase that might be faced by individuals, taking the age of enrollees into account.
Under the Affordable Care Act, individuals cannot be charged higher premiums because of preexisting medical conditions or current health problems. But the law does allow older people to be charged as much as three times more than younger people for health insurance.
The simulations done by RAND and other researchers suggest that most of those who would forgo health coverage if the individual mandate were eliminated would be younger. That would leave the insurance exchanges with proportionately more people purchasing insurance in the older age brackets, where premiums are higher.
Taking these age issues into consideration, RAND researchers estimate that the premiums paid by individuals using the exchanges would be 2.4 percent higher if health reform moves ahead without the individual mandate. This is a more modest impact than others have predicted.
When the individual perspective is dropped, RAND's estimate of the overall average increase is roughly in line with the studies done by other groups. The overall average premium among all people using the exchanges would be 9.3 percent higher -- an increase caused largely because a disproportionate share of people left buying policies after the mandate is repealed would be in older, more-expensive age brackets.
###
The study, "The Effect of the Affordable Care Act on Enrollment and Premiums, With and Without the Individual Mandate," is available at http://www.rand.org. Support for the project was provided by The Commonwealth Fund. The views presented here are those of the authors and not necessarily those of The Commonwealth Fund or its directors, officers, or staff.
RAND developed COMPARE to provide objective facts and analysis to inform the dialogue about health policy options. COMPARE is funded by a consortium of individuals, corporations, corporate foundations, private foundations and health system stakeholders.
RAND Health, a division of the RAND Corporation, is the nation's largest independent health policy research program, with a broad research portfolio that focuses on health care costs, quality and public health preparedness, among other topics.
[ | E-mail | Share ] ?
AAAS and EurekAlert! are not responsible for the accuracy of news releases posted to EurekAlert! by contributing institutions or for the use of any information through the EurekAlert! system.
Public release date: 16-Feb-2012[ | E-mail |
Share ] Contact: Warren Robak
robak@rand.org
310-451-6913
RAND Corporation
Move would sharply lower number of Americans newly insured
A new RAND Corporation study concludes that eliminating a key part of health care reform that requires all Americans to have health insurance would sharply lower the number of people gaining coverage, but would not dramatically increase the cost of buying policies through new insurance exchanges.
The study comes as the U.S. Supreme Court prepares to hear arguments in March regarding the constitutionality of the individual mandate, a key provision of 2010's Affordable Care Act.
According to estimates created using a microsimulation model created by the RAND Comprehensive Assessment of Reform Efforts (COMPARE) program, the number of Americans predicted to get coverage in 2016 under the Affordable Care Act would drop from 27 million to 15 million if the individual mandate were eliminated.
Despite that drop, the study estimates that eliminating the individual mandate would increase an individual's cost of buying insurance through the individual exchanges by just 2.4 percent.
Under health care reform, health insurance exchanges will be established to provide policies to individuals who do not have work-based coverage and those who work for small employers. A key issue underlying the relatively small increase in premiums relates to the manner in which premiums in the exchanges are allowed to vary by age.
"Our analysis suggests eliminating the individual mandate would sharply decrease coverage, but it would not send premiums into a 'death spiral' that would make health insurance unaffordable to those who do not qualify for government subsidies," said Christine Eibner, the study's lead author and an economist at RAND, a nonprofit research organization.
Another consequence of repealing the individual mandate would be a sharp increase in the amount of government spending for each person newly enrolled in a health insurance plan. Because most individuals who remain enrolled if the mandate is eliminated are eligible for significant government subsidies, government spending for those newly insured would more than double, rising to $7,468, according to the RAND Health study.
"The individual mandate is critical not only to achieving near-universal health care coverage among Americans, but also to yielding a high value in terms of federal spending to expand coverage," Eibner said. "Without the individual mandate, the government would have to spend more overall to insure a lot fewer people."
One of the most contentious provisions of the 2010 Affordable Care Act is the individual mandate that requires most adult Americans to either obtain health coverage or pay an annual fine. Supporters say the mandate is necessary to encourage young, healthy adults to get coverage, and help spread costs and risks across a larger, healthier group of insured individuals.
If the mandate is eliminated, there is concern that the insurance exchanges established under the Affordable Care Act would suffer from "adverse selection" as only sicker, higher-risk adults would sign up for coverage. Such a trend could lead to higher per-member spending and drive insurance premiums higher.
Several other research groups previously studied what might occur if the individual mandate was eliminated. The RAND study predicts dips in overall insurance coverage and changes in government spending similar to those predicted by the earlier studies.
However, Eibner and co-author Carter C. Price used a more-precise method to estimate the effect that ending the individual mandate might have on insurance premiums. It does not predict price consequences as great as those predicted by others.
Other research teams estimated the overall average increase in premiums that would be expected if the individual mandate is eliminated. The RAND analysis focuses on the annual increase that might be faced by individuals, taking the age of enrollees into account.
Under the Affordable Care Act, individuals cannot be charged higher premiums because of preexisting medical conditions or current health problems. But the law does allow older people to be charged as much as three times more than younger people for health insurance.
The simulations done by RAND and other researchers suggest that most of those who would forgo health coverage if the individual mandate were eliminated would be younger. That would leave the insurance exchanges with proportionately more people purchasing insurance in the older age brackets, where premiums are higher.
Taking these age issues into consideration, RAND researchers estimate that the premiums paid by individuals using the exchanges would be 2.4 percent higher if health reform moves ahead without the individual mandate. This is a more modest impact than others have predicted.
When the individual perspective is dropped, RAND's estimate of the overall average increase is roughly in line with the studies done by other groups. The overall average premium among all people using the exchanges would be 9.3 percent higher -- an increase caused largely because a disproportionate share of people left buying policies after the mandate is repealed would be in older, more-expensive age brackets.
###
The study, "The Effect of the Affordable Care Act on Enrollment and Premiums, With and Without the Individual Mandate," is available at http://www.rand.org. Support for the project was provided by The Commonwealth Fund. The views presented here are those of the authors and not necessarily those of The Commonwealth Fund or its directors, officers, or staff.
RAND developed COMPARE to provide objective facts and analysis to inform the dialogue about health policy options. COMPARE is funded by a consortium of individuals, corporations, corporate foundations, private foundations and health system stakeholders.
RAND Health, a division of the RAND Corporation, is the nation's largest independent health policy research program, with a broad research portfolio that focuses on health care costs, quality and public health preparedness, among other topics.
[ | E-mail | Share ] ?
AAAS and EurekAlert! are not responsible for the accuracy of news releases posted to EurekAlert! by contributing institutions or for the use of any information through the EurekAlert! system.
Source: http://www.eurekalert.org/pub_releases/2012-02/rc-eim021412.php
john henry john henry zack greinke zack greinke siri san diego news ford evos
SanDisk Acquires FlashSoft To Expand Enterprise Lineup
Flash memory maker and storage system technologies provider SanDisk announced today that it has acquired FlashSoft, a company focused on caching software products. Going forward, SanDisk will sell FlashSoft's products both as standalone software, as well as offer them in combination with its other products, including SAS, PCIe and SATA enterprise solutions. The company says that it expects the acquisition to be neutral to its earnings in 2012 and accretive in 2013, but additional details were not provided.Source: http://feedproxy.google.com/~r/Techcrunch/~3/tY0zwNGsGS4/
bethany hamilton bethany hamilton after christmas sales macys stratfor bears vs packers after christmas sales 2011
Thursday, February 16, 2012
Search Engine Marketing Strategies For Businesspeople ...
Marketing strategies can be applied to all forms of investment, with an focus on Internet marketing. Whilst practicing this, you may furthermore resort to online video media recording advertising. The Doctrines editorial mission is always to break down that hype around products launches, and Internet promoting, provide a near real-time investigate the goals, implementation and delivery of business campaigns and engage and show the ProfitDoctrine followers and members? real-time final results and future risks of growing a web based business from home. This would be wise to be the essential step taken by anyone who might be starting a web-based small business. Substantial projects involve offering of different strategies from different levels. Chad Jones is known as a seasoned marketing executive with with a decade of practical experience in innovative marketing tricks for local businesses. Profit Doctrine seeks to explain to not only people considering starting a web based business, but also assist marketing plan existing small company entrepreneurs and corporation enterprises take their business to another location level. Videos are the best ways you will gain traffic.
Now they know the normal difference between the particular strategies of B2C in addition to B2B marketing, we will focus on some useful ideas in B2C advertising. You increasingly becoming a steady steady flow of customers able to buy. The internet is usually a vast, amazing resource that may result in breathtaking success for even the start-up business, if an effective strategy is designed together with implemented. They sent pr announcements, hoping someone would check out their product and reveal in marketing strategy touching. For example of this, weight control supplements sales become more concentrated at the conclusion of winter, when people prefer to shape up to the upcoming summer many weeks. Organizing competitive events, interviews, and sales promotions on internet marketing sites are additional business strategies that will attract more quality traffic for a site. Ensure develop yours close to a narrowly determined target profile. That is a crucial but frequently ignored a natural part of a good selling ads online strategy.
Typically, these components could include such exercises as: Having those keywords, you can: (1) Create your high good content website with superior and tightly site visitors (2) Increase your ranking from search engines (3) Build your specific & high good content/articles with keyword-rich (some) Create the profitable pay-per-click promotion and (5) Accumulate profitable successful webpage online. Once you commence offering important information and info and generate a relationship it?s far quicker to ask for the particular sale. This network marketing strategy is about writing a wonderful sale letter by using high conversion speed and builds your web mailing lists. Google Adwords plus Yahoo Marketing could be the two most favorite medium that offer pay per click traffic advertising campaigns. Naturally without a good Online marketing strategy, how will you now what do you do, when to get it done and what basic information you would like? Price is definitely the money paid for any product by that follower. Almost any grammatical errors and in all likelihood your email is going straight to typically the trash bin.
Final head, to success in internet marketing business, you have to make your home based mostly affiliate business consistency while using the above proven web affiliate marketing strategies. Premium Associates is certain to get to see money generation, and the evolution of a web based business right before the eyes. You can get so many alternative obligations vying for the attention it will be tempting to press formal strategy development to your back burner. Choice between both these kinds would essentially depend on how much money did or time you are going to invest in your web marketing. A lot of these plans enable businesses for taking the appropriate steps that can help them get maximum exposure in order to help them give the best services therefore to their markets to create more business in order to build customer faithfulness. It should present you with clear answers on things to do, when, and how. It is additionally important to analyze and understand site visitor shopping behaviors, so you will be able to tailor your approach towards that. Which marketing tools buy and what typically the marketing pieces look, sound,.
Guest post by Bowthorpe H. Sartore Mcgue
Source: http://vomitrainbow.com/?p=955
superbowl halftime show patriots vs giants super bowl papa johns guacamole recipe superbowl kick off time 2012 buffalo wings jason wu for target
Wednesday, February 15, 2012
Publishing a cover letter ? Article Directory Site
We all want to possess household and also a very good employment after we tend to be grownup and start to have the responsibility. Concluding the great neighborhood College having red diploma, I had been sure to get yourself a ideal work is only a question of short time. And So I obtained a great resume design, come up with the common cover letter for job and initiate surfing around the work panels.
It was a pretty good, repeating project. Finding a high quality job, publishing my application and resume cover letter. I started from seven each day and completed constantly at two within the mid-day. In one day time I had been in a position to publish an average of 30 application. And so in one week, the number got to hundred. It absolutely was just the case of period until I should get job interview invites. At least I assumed that way.
Nevertheless guess what happened. Moment passed, and then there wasn?t any call from a manager. I obtained just several emails by businesses that refused my own application form. The end result had been usually the same ? not completing the job description. I had been angry.. Afterwards I started to come to feel desperate. Not only that I been given simply unfavorable replies. The majority of the businesses never ever answered the email messages.
In that minute I understood that there must be something wrong. Basic cover letter for employment as well as cv of a person together with my own information is not likely how you can do. Therefore the next few days, I used implementing my work application. I composed several resume cover letters for various opportunities as well as crafted 4 types of my resume.
In all the documents I submitted exactly the simple fact. The one thing only is the fact that I always emphasized different things from my own encounter and skills, that have been pertinent for that job. Right after, rather than submitting your application to each and every offer I actually favored, I submitted that towards the gives exactly where I attained simple requirements. And then it developed.
In one full week, I got a dozen interview invites. A dozen outside of twenty two applications. Would you reckon that? I was as excited as always. I come to understand an idea. A job application doesn?t have being standard. Actually, it simply cannot be. Furthermore, an individual ought to make application for a professions you?ll be able to really acquire. If you attempt a great number of jobs you may never acquire, the poor replies may just make you experiencing poor as well as depressed. Abide by my way and have a work.
It is challenging to impress your hiring manager with the general cover letter for employment.
Article about trying to get a career.
Source: http://list-of-directory.com/business/careers/publishing-a-cover-letter/
cyber monday deals 2011 real housewives of atlanta bernie fine bernie fine matt leinart cyber monday 2011 cyber monday 2011
New statue depicts late NKorea leader on horseback
North Koreans leave the grounds of the Mansudae Art Studio in Pyongyang after watching the unveiling of a new bronze statue depicting the late leader Kim Jong Il and his father Kim Il Sung on Tuesday, Feb. 14, 2012. As North Koreans prepare for what would have been the 70th birthday of late leader Kim Jong Il this week, the country's state media have gone to great lengths to build up the man who led the nation for 17 years until his death in December. (AP Photo/David Guttenfelder)
North Koreans leave the grounds of the Mansudae Art Studio in Pyongyang after watching the unveiling of a new bronze statue depicting the late leader Kim Jong Il and his father Kim Il Sung on Tuesday, Feb. 14, 2012. As North Koreans prepare for what would have been the 70th birthday of late leader Kim Jong Il this week, the country's state media have gone to great lengths to build up the man who led the nation for 17 years until his death in December. (AP Photo/David Guttenfelder)
North Koreans military members watch the unveiling of a new bronze statue depicting the late leader Kim Jong Il and his father Kim Il Sung at Mansudae Art Studio in Pyongyang on Tuesday, Feb. 14, 2012. As North Koreans prepare for what would have been the 70th birthday of late leader Kim Jong Il this week, the country's state media have gone to great lengths to build up the man who led the nation for 17 years until his death in December. (AP Photo/David Guttenfelder)
A photograph of the late North Korean leader Kim Jong Il is surrounded by "Kimjongilia" flowers at an exhibition of the flowers in Pyongyang Tuesday, Feb. 14, 2012. As North Koreans prepare for what would have been the 70th birthday of late leader Kim Jong Il this week, the country's state media have gone to great lengths to build up the man who led the nation for 17 years until his death in December. (AP Photo/Kim Kwang Hyon)
A North Korean stands at attention as others cheer during the unveiling of a new bronze statue depicting the late leader Kim Jong Il and his father Kim Il Sung at Mansudae Art Studio in Pyongyang Tuesday, Feb. 14, 2012. As North Koreans prepare for what would have been the 70th birthday of late leader Kim Jong Il this week, the country's state media have gone to great lengths to build up the man who led the nation for 17 years until his death in December. (AP Photo/David Guttenfelder)
A new bronze statue depicting the late North Korean leader Kim Jong Il, right, and his father Kim Il Sung are seen at stands inside the grounds of the Mansudae Art Studio after it was unveiled in Pyongyang Tuesday, Feb. 14, 2012. As North Koreans prepare for what would have been the 70th birthday of late leader Kim Jong Il this week, the country's state media have gone to great lengths to build up the man who led the nation for 17 years until his death in December. (AP Photo/David Guttenfelder)
PYONGYANG, North Korea (AP) ? Coat flying open, reins in hand, Kim Jong Il is depicted astride a galloping horse in a larger-than-life statue unveiled Tuesday as part of birthday celebrations for the late North Korean leader.
The statue is the first bronze casting of Kim, who during his lifetime shunned proposals to erect a bronze like the massive statue of his father, North Korea founder Kim Il Sung, that towers over downtown Pyongyang. Kim Jong Il, who would have turned 70 on Thursday, died of a heart attack in December.
Kim Jong Il told officials in 1999 that he wasn't ready to accept such adulation while his promise of building an affluent society in the nation of 24 million remained unfulfilled, according to excerpts from a speech published last month. During Kim's reign, the country suffered from a famine that killed hundreds of thousands of North Koreans.
In a posthumous compromise, artisans from the Mansudae Art Studio depicted the Kims riding side by side on horseback for Pyongyang's first public sculpture of the late leader. But artisans told The Associated Press that a towering bronze of Kim Jong Il is in the works and will take its place on Mansu Hill.
Tuesday's widely anticipated unveiling of the 18-foot-tall (5.7 meters) statue took place amid a fervent propaganda campaign to build up the man who led the nation for 17 years as his son and successor, Kim Jong Un, takes over the country's helm.
Kim Jong Il postage stamps, commemorative coins and gold medals have been rushed into production in the weeks before the birthday newly dubbed "Day of the Shining Star." Slogans have been carved on the sides of mountains in honor of his birthday, and a new song composed in his honor.
State media has reported a series of supernatural events: Mountains glow crimson, double rainbows, a family of bears weeps by the side of a road, hundreds of shrieking magpies hover over mourning sites.
"Having Kim Jong Un's father and grandfather portrayed as gods is important for a regime based on hereditary rule," said Peter Beck, a Korea specialist and The Asia Foundation's representative in Seoul, South Korea. "Legitimacy comes from his forefathers. Kim Jong Un's father and grandfather may be dead, but he embodies their essence."
Calling himself the "inheritor" of his father's cause, Kim Jong Il was said to have avoided the kind of veneration he ordered for Kim Il Sung, even as he ruled North Korea with an iron fist.
"Some time ago the Party History Institute submitted to me a suggestion that my statue be built marking my 60th birthday," he reportedly told top Workers' Party officials in 1999. "After going over the document, I wrote on it 'Permission Not Granted,' and sent it down."
Kim's era included some of the country's toughest periods, including a famine in the 1990s that killed hundreds of thousands of people and protracted tensions over the nation's drive to build nuclear weapons. Despite a decade of warming ties with South Korea during his rule, relations with Seoul are now at their lowest point in years and the peninsula remains in a technical state of war.
"I cannot have my statue set up on the excuse of my 60th birthday when I have still many important tasks to do, like those of economic construction, improving people's standard of living and reunifying our country," he said, according to excerpts published in the Pyongyang Times last month.
However, he left the matter of a statue to party officials, ordering them to "correctly understand" his desires and dilemma.
Son Kim Jong Un initiated the project two months ago to build the statue of the late leader, said Ro Ik Hwa, a sculptor from the Mansudae Art Studio.
"So far, there has not been any example of making a giant horse-riding statue like this within two months," he told AP. "We sculptors worked day and night to complete it, showing the loyalty of our people."
Kim Jong Un was not at the ceremony attended by the rest of North Korea's core military and political leadership.
The ceremonial head of state, President of the Presidium of the Supreme People's Assembly Kim Yong Nam, praised Kim Jong Il for "applying his unique 'military first' policy to turn our country into an invincible one that can never be defeated and has a nuclear deterrent in the face of the deadly pressing offensive of imperialists."
The unveiling of the statue is the marquee event of birthday commemorations in a nation that remains in a semiofficial state of mourning for the man often referred to as "our fatherly general."
Workers fanned out across the capital city to decorate streets with flowers and North Korean flags. They pounded at frozen flower beds with picks, making space to plant row after row of bouquets made of fabric.
No big military parades are expected at Kim Il Sung Square, the city's main plaza, but two birthday fixtures are going ahead as planned: the annual exhibition of his namesake red "kimjongilia" begonias and an international figure skating competition that traditionally draws Russian and Chinese stars.
Some 30,000 bright red kimjongilia begonias filled an exhibition hall that opened in his honor Tuesday.
___
Foster Klug and Sam Kim contributed to this report from Seoul, South Korea. Follow Korea bureau chief Jean H. Lee at twitter.com/newsjean and Foster Klug at twitter.com/APklug.
Associated Pressmatthew mcconaughey to catch a predator davenport chris hansen ehlers danlos syndrome band of brothers the closer
Sunday, February 12, 2012
Different types of Mortgage Loans available in the market
A home finance loan mortgage is a person which can be taken from banking companies, personal home finance loan brokers or on the internet kredyt hipoteczny brokers. These financial loans are taken by pledging owned property so as to purchase a further residential or commercial property. These are occasionally taken up even refinance a further mortgage. House loan financial loans typically lengthen around a period of fifteen to thirty yrs. The fee amounts are dispersed depending on the precise variety of yrs, the sort of home finance loan and also the resolved pace of interest. The property that may be bought may serve as safety in the event of the personal debt. In the event that the customer defaults, regarding the payments, the financial institution can promote the property through the use of the foreclosure process.
As a way to ensure that the borrower can make the payments, you?ll find a number of critical details that loan companies take a look at beforehand. The primary facets regarded are the down fee, month to month earnings and also the credit score rating in the borrower. The down fee total carry the risk in the financial institution down in the event of defaults, the month to month earnings will mirror the debtors functionality to generate month to month payments and also the credit score scores indicate the challenges of financing for the borrower. Higher the credit score rating reduced the risk for that mortgage.
Varieties of financial loans
Interest-only home finance loan: This kind of a home finance loan mortgage demands the borrower to fork out only interest for your specified time period. Just after this era the mortgage is typically altered and there is a new home finance loan kredyty got wkowe total. This new total are going to be refunded with main payments additionally the still left around interest amounts.
Balloon home finance loan: This home finance loan gives the debtors a reduced pace for your fastened period. The period normally differs among three to ten yrs. When this fastened period passes, the borrower should fork out the full principal total.
Sub-prime home finance loan: A sub-prime home finance loan is supposed for persons whose credit score rating is very low. What this means is the risk for that financial institution is higher. As a way to make amends for this, the interest pace and month to month payments are higher. Loan companies normally make fantastic cash by supplying out these financial loans. However, if the debtor pays the owing total prior to time anticipated, a early repayment penalty should be paid through the financial institution.
Mounted pace home finance loan: These home finance loan financial loans have a fastened pace around the mortgage period. These are very talked-about as rises and falls in interest premiums tend not to influence these premiums. Whatever, the interest premiums najlepsze lokaty continue being precisely the same in these mortgages.
Dwelling equity line of credit score: These are also known as HELOC?s. The home finance loan premiums are variable according to the optimum pace. This may last for three to ten yrs right after which the borrower is needed to fork out back the full principal total similar to balloon mortgages.
Flexible mortgages: This is a home finance loan mortgage where by you can find a set pace for your unique time period. Just after completion of the time period the rate of interest is adjusted according to the varying market place premiums. These financial loans are the most often taken financial loans right after fastened pace home finance loan financial loans.
Source: http://www.acaiberryjuicepower.com/different-types-of-mortgage-loans-available-in-the-market
joe paterno san francisco 49ers san francisco 49ers giants vs 49ers news channel 5 49ers news sf 49ers
Saturday, February 11, 2012
Social Media Week Returns to a City Near You: February 13th - 17th, 2012
Next week marks the launch of the fourth annual Social Media Week, a global event with discussions about media use. I?ll be covering some of the events here on AiP. We?ll return to our regularly scheduled program on Feb. 20th.
The online social world is rapidly developing around us. And there is no longer a choice about participation?not if you hope to be heard. The social media tools that constitute this landscape are diverse and plentiful. It?s easy to feel overwhelmed, however, by the number of services you can find yourself maintaining, easy to feel that it?s impossible to keep up, and easy to give up. But giving up carries a heavy weight. It means reduced connectivity and reduced access to information. And while some may insist that they can get along without these channels, data from the Pew Internet and American Life Project suggests otherwise:
- Four in five American adults (82%) own and carry a cell phone.
- Half of all adult cell owners (51%) have used their phones to get information they needed right away.
With the launch of digital government initiatives, like New York City?s @311NYC, email, and text alerts, people can get and share information on-the-go about traffic, school events, weather warnings, or crime. As we increasingly grow accustomed to processing data this way, we?re also beginning to increasingly use it as a means of communicating with each other:
65% of adult Internet users are on a social networking site, like MySpace, Facebook or LinkedIn.
And we can?t overlook Twitter: there were 13.7 million Super Bowl-related tweets?a number that should give even the staunchest social media critic pause.
The return of Social Media Week for its fourth installation is another indicator that these measures can no longer be viewed as fleeting trends. Our methods of communication are changing, as are our methods of collecting and digesting information. In all areas. Don Tapscott, keynote speaker and author of Macrowikinomics, views social media as a new means of production. ?It?s not a means of hooking up online,? he said. ?It?s a platform to self organize; to get us out of the industrial age to a new age.? Indeed, social media has been at the root of revolutions and major instances of change. And this year?s theme, ?Empowering Change through Collaboration,? captures this sweeping social spirit with an eye toward the future.
From February 13th through 17th, Social Media Week will be observed in 12 major cities around the world with panel discussions, networking events, and parties that are largely free to the public, though registration is requires in many instances. The open conference setting is important in overcoming one of the largest hurdles we face in the technical age?the double digital divide?by inviting everyone to join the conversation. Events are hosted throughout the City (there are more than 350 planned in New York City), and are organized around central themes including art and culture, advertising and marketing, business and innovation, global society, health and wellness, and social and environmental change. And while event coverage has always been readily available on Twitter, this year global partner Nokia launched a real time infographic tool that can offer targeted information about cities and panels. It?s pretty neat, and if you aren?t planning to attend, it might be worth a look because it hones users in to specific panels and events around the world. To help keep participants organized, there?s also an app they can download (though I have mixed feelings about conference apps, since they seem to lose their usefulness post-conference).
As a Social Media Week attendee who has watched this particular event grow successively bigger while retaining its definition and increasing its inclusiveness, it is heartening to see the new discussions that are beginning to happen. Last year, the science community put their toes in the water, and this year, health and wellness will have its own content hub hosted by Saatchi and Saatchi Wellness. There are many hurdles to social media participation in health and wellness, but there is also a need to communicate with people in ways that are accessible to them. Saatchi and Saatchi?s Ned Russell hopes that the Social Media Week collective can offer some guidance on how to go about incorporating these forms of media into the delivery of health and wellness services. He hopes that where the FDA has been vague, collaboration between so many different types of expertise can offer practical suggestions to put a plan into action.
Also new this year is an exercise in deploying online social networks. ?Can Man Survive on Social Media Alone?? is a social experience that tracks two individuals?Daphne from Singapore (#CanManSG) and Martin from London (#CanManLondon)?as they trade cities and try to survive with little more than help from their networks. You can follow along on Facebook (facebook.com/CanManSG or facebook.com/CanManLondon) or the hashtags above on Twitter. The exercise is reminiscent of the ways travellers found help after being stranded following the Eyjafjallajokull eruption.
Registration is still open for SMW events, though I imagine they are filling fast. Can?t be there in person? Many events are streamed live. And you can always follow along on Twitter @socialmediaweek or #smw12. And if you see me, say hello?let?s connect offline for a few minutes.
?
For some of my additional reports on previous Social Media Week events, you may also want to review:
2010
2011
Source: http://rss.sciam.com/click.phdo?i=fb690c4bd5ba9e74e3edf6b80e6cdd97
stanford football lsu football schedule lsu football schedule terrapin terrapin manny pacquiao vs marquez manny pacquiao vs marquez
Kristin Cavallari Baby Bump: Sort of Revealed!
Kristin Cavallari sent photographers swarming to nab the first photo of her pregnant baby bump the other night, but would you even know the difference?
Seriously, had she not announced she's pregnant, we're not even sure the picture below would even generate the obligatory pregnancy rumors online.
In any case, here she is at Wednesday's This Means War premiere ...
"Such a fun movie," the expectant reality star, 25, Tweeted afterward. "Here is a pic from last night's premiere and [you] can see a little baby bump."
Debatable, but she's not far along right now, and it's a nice thought!
Cavallari wore a dress by Maria Lucia Hohan and accessorized with Isharya earrings. She and fiancé Jay Cutler announced the pregnancy in January.
"We couldn't be more excited," the Chicago Bears star, 28, Tweeted.
[Photo: WENN.com]
Source: http://www.thehollywoodgossip.com/2012/02/kristin-cavallari-baby-bump-sort-of-revealed/
jimmy kimmel tilt do a barrel roll. fsu football fsu football do a barrelroll bérénice marlohe
Thursday, February 9, 2012
Finding Love by means of Online dating for Marriage Relationship ...
Why employing dating service
Different people would?ve different factors when looking for matchmakers or dating support. And surely they?ve a person common ground ? they are all critical love and matrimony searchers really looking for extensive-name love and matrimony relationships.
The following insurance quotes pretty much summarize the majority of obvious explanations why today a great number of are employing matchmakers or dating support:
Inches?Fed up of chance gatherings: Compatible Introductions will familiarize you with a lot more agreeable people that you might ever match inadvertently inside of a somewhat short time period.
Time is really a special thing in the 21st century: Toddler spend meeting those who have absolutely nothing that is similar to you.
Safety: Much of our members are very carefully before-scanned. We match and employment interview all of our new members personally.
Personalized and person: we often tell you ahead of time personally prior to being introduced to a agreeable associate.
No ?blind date?: you observe antivirus gratuit anybody inside of a coloration photograph in advance of you are likely to me.
Ready for Dedication: Our members are genuinely enthusiastic about choosing a agreeable spouse.
You are not bothered: You?d like to learn who you are likely to match ahead of time.
You attained your skilled aims? now is the time to focus on your personal aims?Inches
Inches?Online dating services absolutely are a excellent alternative to popular clubs and pubs ? wholly top secret and you simply know you?re meeting true registered users who are able to commit income in order to meet another person appropriate for a romantic relationship or companionship?Inches
Inches?subtle, secure and nurturing technique for choosing a genuine connection in our unclear setting?Inches
Inches?Most active professionals do not have the some time and resources for meeting other solitary, prosperous people external of their place of work, market or societal eliptical. A matchmaker has unique access to excellent people.
A very own matchmaker can screen and open office before-are eligible the correct satisfies for you personally similar to the way an executive employer window screens applicants for any distinct work.
It?s exactly about Targeted Marketing and advertising.
Sometimes, single men and women are responsible for picking Mr. or Mrs. incorrect regularly. A matchmaker continues you from reproducing the same pitfalls of the past.
A very own matchmaker provides the opportunity of numerous types of possibilities. It is just a ?numbers? activity, but working with a matchmaker, you will find a continuing method to obtain very desired people to choose from.
It?s additional sensible and secure. You don?t have to suffer the clumsy indignity of impaired online dating or barhopping. With a matchmaker, you?re sure to match folks who you would like to match and that pick you up a person-on-a person.
No additional registered users gatherings, golf equipment or blenders devoid of make sure of who you match andAndor if they will measure up. A matchmaker serves investment-minded solitary individuals. Perhaps the goal is matrimony or an telecharger google chrome exceptional connection, an intro support goes further than purely meeting new people. Its lone objective will be to familiarize you with an acceptable volume of before-scanned folks that are more inclined to be acceptable satisfies.
A matchmaker symbolizes numerous intangible aspects of your individuality further than exactly what a very simple photograph and essential data could ever convey. And no person enjoys the world of one of somebody tooting his very own horn. Rather then boasting with regards to you and that you need to offer, allow the gurus undertake it for you personally in an infinitely more goal and reputable way?Inches
InchesTop quality Men and women? introduces you to great people you would certainly not match alone.
No Online games ? Online talk infrequently is effective? for individuals that truly want in order to meet someone special and never have time to play activities.
Meet Severe Men and women?will not only want to day. They would like to try substantial extensive-name relationships.Inches
Posted on February 8, 2012 at 3:42 pm
This post is filed under Uncategorized.
Source: http://www.nca-cma.org/finding-love-by-means-of-online-dating-for-marriage-relationship-two/
safe house the river dr dog weightless pinterest alyssa bustamante the vow
Wednesday, February 8, 2012
Parker scores 37, leads Spurs over 76ers 100-90
Philadelphia 76ers' Andre Iguodala (9) reacts after scoring against the San Antonio Spurs in the first half of an NBA basketball game on Wednesday, Feb., 8, 2012, in Philadelphia. (AP Photo/H. Rumph Jr )
Philadelphia 76ers' Andre Iguodala (9) reacts after scoring against the San Antonio Spurs in the first half of an NBA basketball game on Wednesday, Feb., 8, 2012, in Philadelphia. (AP Photo/H. Rumph Jr )
San Antonio Spurs' Tim Duncan (21) goes up for a shot as Philadelphia 76ers' Elton Brand (42) defends in the first half of an NBA basketball game on Wednesday, Feb., 8, 2012, in Philadelphia. (AP Photo/H. Rumph Jr )
PHILADELPHIA (AP) ? Tony Parker scored 37 points, Gary Neal added 18 off the bench and the San Antonio Spurs beat the Philadelphia 76ers 100-90 in a matchup of division leaders Wednesday night.
Tim Duncan had 16 points and 11 rebounds and Tiago Splitter scored 15 for the Southwest Division-leading Spurs.
Lou Williams led Philadelphia with 22 points. Andre Iguodala had 17 and Thaddeus Young scored 16.
The Atlantic Division-leading Sixers fell to 4-2 during a seven-game stretch that coach Doug Collins termed "Death Row" because of the quality of their opponents. After building a strong record early in the season against lesser competition, they beat Orlando, Chicago, Atlanta (on the road) and the Los Angeles Lakers. Their other loss was at home to Miami.
The Spurs are a much different team on the road. But they outplayed the Sixers throughout to improve to 5-8 away from home. They're 13-1 in their own building.
Down 83-71 near the midpoint of the fourth quarter, the Sixers scored seven straight points and had the crowd rocking after Jrue Holiday's 3-pointer. But Neal answered with his fourth 3-pointer of the night and his free throw a minute later after Williams got a technical foul gave the Spurs an 89-80 lead.
Williams hit a 3 to cut the deficit to 95-90 with 1:46 left. But Parker nailed a jumper and Philadelphia couldn't get any closer.
Starting center Spencer Hawes didn't play for the Sixers. Hawes had missed 10 games with an Achilles injury before returning to play the previous two. Elton Brand returned to the lineup after sitting out two games with a sprained thumb, and had 11 points and 13 rebounds.
The Sixers missed Hawes' presence in the middle as the Spurs repeatedly drove to the basket for layups and finished with 54 points in the paint.
The Sixers committed just four turnovers to help them overcome a 55-30 rebounding deficit in a 95-90 win over Kobe Bryant and the Lakers on Monday night. They had four turnovers in the first 11 minutes against the Spurs, and 10 in the game.
Matt Bonner's 3-pointer capped a 17-6 run and gave San Antonio its biggest lead, 71-59, to that point. Williams hit a pair of 3s of his own and the Sixers got within 75-67 after three quarters.
Iguodala kicked off a 10-0 run with a jumper and Young finished it off with a layup that put the Sixers up 38-36 in the second quarter.
Parker scored 10 of San Antonio's next 12 points and the Spurs took a 48-45 lead at halftime. All of San Antonio's 22 points in the second quarter were either on layups or free throws.
Neal, who averages 8.5 points per game, had 12 in the first quarter on three 3-pointers and 4-for-4 shooting ? all in the last half of the period.
Notes: Hawes had MRIs on his left Achilles and his lower back. Both were negative. ... This was the second of nine straight road games for the Spurs, who are on their annual extended road trip because of the San Antonio Stock Show and Rodeo. The Spurs will return to the AT&T Center on Feb. 29 vs. Chicago. ... The Sixers finish up the toughest portion of their schedule Friday night when the Pacific Division-leading Los Angeles Clippers visit. ... Splitter, a second-year forward, and forward Kawhi Leonard of the Spurs along with second-year swingman Evan Turner of the Sixers were selected to play in the Rising Stars challenge during All-Star weekend.
Associated Presscbs red tails red tails tuskegee airmen mike james red tails trailer heidi klum
Real Estate SEO Services Realtor SEO Company - OptiTrex
Realtor SEO LA
OptiTrex?s Realtor SEO LA achieves results within 90 days, exclusively to Realtors served in the United States. Realtor SEO Los Angeles helps agents double their bottom-line with qualified leads from buyers and sellers with professional help from OptiTrex. Quantifiable, permanent results can be achieved with a free 15 minute consultation for Realtors.
OptiTrex Realtor SEO Los Angeles
Company wants to help you make this the most successful year yet for your business. If we could make the past years successful for our clients, then we may be able to help you use Real Estate SEO LA?effectively too. We?re the right choice for your Los Angeles Realtor SEO company with proven performance and we can help you with local search visibility too.
Los Angeles Realtor SEO for Real Estate Agents
See our Los Angeles Real Estate SEO Social Media Realtor SEO, Video SEO, and other Realtor SEO Los Angeles offerings that will give you all the online promotional options you could dream of. From Los Angeles PPC campaigns to content development and buyer and seller conversion improvement, we?ll help you achieve outstanding qualified traffic. Traffic from real estate buyers and sellers is what it?s all about today. Los Angeles Real Estate buyers are fickle and you need something outstanding and persuasive to make that sale.
Award Winning LA Real Estate SEO Services Since 1999
We don?t want to brag, however our experience and record of success is unrivaled by local Los Angeles Real Estate SEO companies. We?ve helped lawyers, cosmetic surgeons, hotels, manufacturers, casinos, travel companies, IT companies, sports equipment and gift companies, and financial services firms use Realtor SEO to build excellent bottom line results.
See the local Real Estate SEO search engine rankings we?ve achieved for Los Angeles, Toronto, San Diego, and Sacramento Realtor SEO Companies.
Review our general Realtor SEO Los Angeles packages and see some of the results we?ve achieved to give them profound exposure on Google and Yahoo. From PPC landing pages, to Google local search, to link building and on-site Realtor SEO, we?ve got the complete range of services and resources you need to win in the search engine wars.
About OptiTrex Realtor SEO LA Real Estate SEO Company
OptiTrex Real Estate SEO provides Adwords Campaigns, Realtor SEO, Web Design, Web development, and LA Realtor Social Media visibility including video Realtor SEO.
If you?re a Los Angeles Advertising firm with client sites that aren?t performing, why not give us a call to take a look at how we can turn them into positive assets for them and for your advertising firm. OptiTrex Realtor SEO Los Angeles, Award Winning Real Estate SEO Compan. Providing Realtor SEO LA and Realtor Social Realtor SEO Services for one exclusive agent in LA.
See Also: Realtor SEO Anaheim, Realtor SEO San Francisco, Realtor SEO Anaheim, Realtor SEO Riverside, Realtor SEO Long Beach , Realtor SEO Huntington Beach and Santa Ana Realtor SEO services.
Call us now for an immediate Realtor SEO LA assessment of your website. 720-240-9690
Tags: LA real estate seo, LA real estate seo services, LA realtor seo, Los Angeles real estate seo, Los Angeles real estate seo services, Los Angeles realtor seo, real estate seo LA, real estate seo Los Angeles, realtor seo LA, realtor seo Los Angeles, seo LA, seo Los Angeles, seo real estate LA, seo real estate Los Angeles
This entry was posted on Monday, February 6th, 2012 at 10:34 pm and is filed under Real Estate SEO. You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response, or trackback from your own site.
Source: http://www.optitrex.com/real-estate-seo-3/realtor-seo-la.html
miami hurricanes vlad the impaler michael lohan fiddler on the roof rally squirrel rally squirrel scumbag steve
Tuesday, February 7, 2012
Wildlife Refuges Showcase Nature's Courtship Rituals Long Past ...
American Woodcock
U.S. Fish and Wildlife Service
Washington, DC --(Ammoland.com)- In the wild, some species go all out to woo their mates in spring with noisy and colorful shows. The U.S. Fish and Wildlife Service?s national wildlife refuges are great places to see or hear them.
Here are a few examples of species to look for at refuges across the country:
The male Attwater?s prairie chicken ? a member of the grouse family ? does a jig and makes a ?booming? sound by filling orange air sacks on the sides of its neck. The daytime spectacle is popular with visitors every March and April at the Attwater Prairie Chicken National Wildlife Refuge in Texas, established to protect habitat for the critically endangered bird. See and hear booming here. This year?s annual Attwater?s Prairie Chicken Festival takes place April 14 and 15.
Further north, the American woodcock ? also known as the timberdoodle ? puts on a striking ?sky dance? after dark. Starting at the end of March, the male woodcock leaves its cover for open fields, where it calls to females with a series of sharp ?peent?s. Then it suddenly flies up, twittering, in a widening spiral, floats briefly and dives zigzag back to earth. You can follow it with a flashlight. In his book A Sand County Almanac, famed conservationist Aldo Leopold wrote of the woodcock?s sky dance: ?Since we discovered it, my family and I have been reluctant to miss even a single performance.? Spring woodcock walks are favorites at Missisquoi National Wildlife Refuge in Vermont and Trustom Pond National Wildlife Refuge in Rhode Island. American woodcocks can also be found at Moosehorn National Wildlife Refuge in Maine, Wallkill River National Wildlife Refuge in New Jersey and other refuges. Hear a courting woodcock here.
At Mingo National Wildlife Refuge in Missouri, White River National Wildlife Refuge in Arkansas, and elsewhere, the grey tree frog makes a racket to attract females in spring breeding season. Beginning in early April, it inflates its vocal pouch to balloon-like proportions and emits a melodic trill. University of Missouri researchers recently found that the male calibrates his love song to attract mates with matching chromosomes. See and hear a grey tree frog calling here.
And along the Delaware Bay, the annual coming ashore of thousands of horseshoe crabs to spawn is a tourist attraction in May and June. Male horseshoe crabs crowd along the water line to vie for arriving females. A male grabs onto a mate and rides ashore, where she deposits her eggs in the sand and he fertilizes them. Prime Hook National Wildlife Refuge in Delaware and Cape May National Wildlife Refuge in New Jersey are good spots to watch the show. See a video here.
The National Wildlife Refuge System includes more than 2,500 miles of land and water trails. There is at least one national wildlife refuge in every state and one within an hour?s drive of most major cities. National wildlife refuges are dedicated to the conservation of fish and wildlife and their habitats. The nation?s 556 national wildlife refuges and other units of the Refuge System, plus 38 wetland management districts, offer a wide range of wildlife-dependent recreation ? from fishing, boating, hunting and hiking to wildlife observation and photography, nature interpretation and environmental education. Refuges offer many programs and events geared to families and children. These include festivals, junior naturalist classes, boating and fishing instruction, crafts and more.
The mission of the U.S. Fish and Wildlife Service is working with others to conserve, protect, and enhance fish, wildlife, plants, and their habitats for the continuing benefit of the American people. We are both a leader and trusted partner in fish and wildlife conservation, known for our scientific excellence, stewardship of lands and natural resources, dedicated professionals, and commitment to public service. For more information on our work and the people who make it happen, visit www.fws.gov. Connect with our Facebook page, follow our tweets, watch our YouTube Channel, and download photos from our Flickr page.
Tags: Birders, National Wildlife Refuge System, U.S. Fish and Wildlife Service, USFWS?
Leave a Comment
Source: http://www.ammoland.com/2012/02/07/wildlife-refuges-showcase-natures-courtship-rituals/
conrad murray sentencing conrad murray sentencing urban meyer adam shulman adam shulman nfl power rankings week 13 nfl power rankings week 13
Citing ?Short-Term Difficulties?, HTC Forecasts Weak Q1, Significant Revenue Drop
Smartphones and tablets maker HTC this morning said it foresees a huge drop in revenue (PDF) in the first quarter, citing "short-term difficulties" as it gears up to - reportedly - launch four new phone models at the Mobile World Congress later this month. The Taiwanese company sees revenue dropping as much as 36 percent in Q1, to between NT$65 billion and NT$70 billion (roughly $2.2 and $2.4 billion) due to this "product transition".Source: http://feedproxy.google.com/~r/Techcrunch/~3/3R09gGKMeFo/
lipitor kourtney kardashian pregnant again kourtney kardashian pregnant again apple juice apple juice carole king miranda kerr
Monday, February 6, 2012
Jackass Investing: Don't Do It. Profit From It | The Sizemore ...
Regrettably, Mr. Dever is correct in his assessment. The belief in rational, efficient markets has been a core tenet of the investment faith since the 1950s. Only recently has the investment community begun to reach the conclusion that every successful practitioner already knew by instinct or learned through experience: humans are not always rational, and humans acting as a group are often even less rational than humans acting as individuals. And, again contrary to efficient market dogma, rather than avoid unnecessary, uncompensated risk, investors often engage in risk-seeking behavior (i.e. taking more risk than is necessary)?which is Dever?s definition of Jackass Investing.
Michael Dever is the founder of Brandywine Asset Management and a long-time technology entrepreneur. He is also a ?macro,? top-down investor with a unique approach to allocation. Rather than look at asset classes (i.e. large cap stocks, emerging market bonds, etc.) Dever looks at return drivers, or the underlying fundamentals that drive the investment performance of a given asset. ?Diversification? is not simply shifting money between asset classes?which, as 2008 demostrated with brutal efficiency, all tend to fall in lockstep during a crisis?but allocating your precious funds across different investing and trading strategies that exploit different return drivers.
Dever?s thought processes are not altogether different than those we apply in the Sizemore Investment Letter. We diversify based on durable macro themes?such as the rise of the Emerging Market Consumer or the coming of age of the American Echo Boomers?and not based on arbitrary asset class distinctions. Dever dedicates his book into exploding a series of myths that ?permeate common financial wisdom?:
- Stocks Provide an Intrinsic Return
- Buy and Hold Works Well for Long Term Investors
- You Can?t Time the Markets
- Passive? Investing Beats ?Active? Investing
- Stay Invested So You Don?t Miss the Best Days
- Buy Low, Sell High
- It?s Bad to Chase Performance
- Trading is Gambling?Investing is Safer
- Risk Can Be Measured Statistically
- Short Selling is Destabilizing and Risky
- Commodity Trading is Risky
- Futures Trading is Risky
- It?s Best to Follow Expert Advice
- Government Regulations Protect Investors
- The Largest Investors Hold All the Cards
- Allocate a Small Amount to Foreign Stocks
- Lower Risk by Diversifying Across Asset Classes
- Diversification Failed in the ?08 Financial Crisis
- Too Much Diversification Lowers Returns
- There is No Free Lunch
I initially took issue with Dever?s claim that stocks provide no intrinsic return. After all, stocks represent ownership shares of businesses and those businesses earn profits and (ideally) pay dividends.
But while this may be true, Dever correctly points out that the stock market returns realized by investors are driven by two (and in the end, only two) return drivers?the earnings generated by the companies comprising the market and the multiple that investors are willing to pay for those earnings. And except over the very long term, it is primarily investor psychology?the multiple investors are willing to pay?that determines stock returns. On that count, there are not guarantees. Your returns are at the mercy of the fickle and emotional whims of other investors.
As for Myth #2 on long-term, buy-and-hold investing, Dever points out that ?All of the real stock market returns earned over the past 111 years can be attributed to a just an 18 year period?the great bull market that began in August 1982 and ended in August 2000. Without those years, the real, inflation-adjusted returns of stocks, without reinvesting dividends, was negative.? Investors today would no doubt nod their heads in understanding. Excluding the modest returns earned from dividends, investors have seen virtually no returns in over a decade. After adjusting for inflation, the returns are well into negative territory. Dever also correctly points out that for much of the period of time covered in long-term stock market studies, the United States was an ?emerging market,? with the higher rates of growth that this implies.
Furthermore, studies that demonstrate ?market? returns are meaningless because until recent decades, no one bought ?the market.? Index funds didn?t exist, and stock market investing was a hobby primarily of the wealthy, not the middle class. And returns came primarily from dividends. ?Just because something happened in the past does not mean it will reoccur in the future,? writes Dever. ?We must first understand all of the return drivers, and then determine whether those return drivers are still valid.?
Well said.
Lest this review turn into book by itself, I?ll spare readers a review of the remaining 18 myths. I will, however, share one of Dever?s more amusing market analogies?the George Costanza trader.
Dever recounts the Seinfeld episode in which Costanza realizes that ?every decision I?ve ever made, in my entire life, has been wrong. My life is the opposite of everything I want it to be. Every instinct I have, in every aspect of life? It?s all wrong.?
Costanza then decides to do the opposite of what his instincts tell him to do, and his life turns around. He gets a gorgeous girlfriend and the job of his dreams. This is the essence of contrarian investing; doing precisely the opposite of what our emotions?and the actions of other investors?tell us to do. Or, as Warren Buffett succinctly puts it, ?being greedy when others are fearful and fearful when others are greedy.?
Overall, Jackass Investing is an entertaining and informative read. Consider adding it to your 2012 reading list.
Source: http://sizemoreletter.com/jackass-investing-dont-do-it-profit-from-it/
steve jobs aapl stock aapl stock apple ii pixar growing pains growing pains
Awesome Baby Shower Ideas | Articles Professionals
Baby showers are a smart method to celebrate the descending birth with family and friends. This is more of an American culture where everyone gets together for rejoice and mirth. A baby shower isn?t just an reason for a meeting, although just about anyone loves a excuse to sit around eat, drink and laugh.
A Baby shower is a way to help the prospective family with their financial onuses by having everyone pitching in by purchasing something small so that the family with the toddler won?t have to shell out lots of money.
Regard all the requirements of a family when they have a baby. The costs could add up and can be scary for any new family. Baby showers help alleviate these problems.
However, having the baby shower arranged is the first measure. The managers have a lot to ponder when it comes to arranging a party. They have to consider of a theme, where to have it, what recreational activity they need and the types of eatables to bring.
It could be tough coming up with all of these ideas on how to get a baby shower arranged. If you are looking for aid, here are some places to think about when trying to find an idea.
1. Talking to someone who has organized a baby shower before. The chances are you have been to other baby showers or have had your own. Chat to people who have planned showers before and find out what you may need to begin it all.
They will be able to set you off in the right way while granting you some interesting thoughts at the same time. They will have all you need from the start of the gathering until to the end, so rack their head as much as you could.
2. Check out baby books. Many magazines that are dedicated to babies will have articles on baby showers. They might also have ideas on some of the most innovative topics for baby showers. A theme is one of the tricky things to pick for a shower because everything will be connected around it.
The magazines can even show you examples of decorations and foodstuff that you might want to use. Keep these cuttings as a guide to help you arrange the best baby shower.
Bella Riekturr is a full time writer who writes for http://www.babymagazine.org and other websites.
Source: http://articlesprofessionals.com/home-family/awesome-baby-shower-ideas
diamondbacks wolf creek wolf creek arizona diamondbacks arizona diamondbacks alex rodriguez alicia witt
Sunday, February 5, 2012
The Best Unsecured loans ? Personal debt Loan consolidation ...
The Best Unsecured loans ? Personal debt Loan consolidation Products
Article by Smartbzs
Paying back financial loans from numerous institutions or even lenders might truly be a burden, because aside from the amount borrowed, you?d also need to shoulder interest payments and tax impositions. Those will make your loan appear too bloated. About the fortunate aspect, you have much more choices now how you can successfully handle your financial troubles. There are lots of banking institutions and banking institutions which are offering personal debt loan consolidation credit products, which are considered through many as the greatest personal loans.
Debt consolidation reduction Loans
Debt consolidation loans tend to be credit amenities that are come to re-finance or even repay other financial obligations. They are therefore considered as one of the better personal loans available. For example, for those who have five financial obligations from five credit card companies, instead of paying fees on all five, you would have a loan to settle all, after which the month-to-month installment repayment would only be made for the combined financial debt loan. Within simple words, in order to consolidate debt, you would need to make another loan to repay other existing loans. Through that, you are just transferring all the loan company accounts into a single service.
Things to know about This particular Loan
Through doing so, you could significantly reduce the number of creditors. In the example above, instead of dealing with five lenders, taking a debt consolidation reduction loan will make a person cope with only one creditor; that is the combined debt loan company. Because this kind of product is rapidly gaining interest these days, you can easily avail of it from the the majority of trusted banks or even financial institutions around. Competitors among these companies works to your advantage, therefore anticipate interest rates to be appealing as well as loan terms to become flexible. Therefore, such products are unquestionably probably the most practical and best unsecured loans available.
Possibly, at 1 glance, individuals might generally turn to getting unsecured debt loan consolidations. Looking at the overview, you would certainly be inclined in order to prefer the unprotected over the guaranteed debt consolidation reduction financial loans. There are several additional logical explanations why they are considered by numerous since the best unsecured loans these days.
Unsecured Loans
For 1, unsecured debt consolidation loan wouldn?t need you to dedicate a good thing in order to secure the borrowed funds. Therefore, you don?t have in order to temporarily submit the actual name of an asset or a house just to obtain a loan from the company. By which, you might have peace of mind, initially convinced that you are not placing your own possession at risk. Nevertheless, personal debt loan consolidations are often providing lesser loan amount to make sure borrowers wouldn?t fall under non-payments.
In addition, unsecured loans will also be impacting greater interest rates since the loan companies tend to be virtually taking to the account the risks they are consuming offering you financing quantity. Tax impositions are also not waived in short term loans, when compared to secured debt consolidation reduction financial loans. However, the eye rates enforced are usually still more reasonable should you would consider the summation of all the rates applied to your own several debts.
The requirements as well as documents to be submitted when digesting short term loans tend to be more strict. Credit investigations take longer as well as home inspections tend to be far more stringent within unsecured loans. Case natural because loan companies take greater dangers from supplying the best personal loans with no security. There is no need to worry if you?re confident you are competent for that products, even though you possess a poor credit rating.
About the Author
If you like this article and want to read more, then please visit our website here: personal loan Singapore.
Source: http://taxdebthelp.5ver.net/the-best-unsecured-loans-personal-debt-loan-consolidation-products/
john galt post office hours post office hours coptic coptic breaking bad season finale breaking bad season finale
Subscribe to:
Posts (Atom)