On Page And Off Page Search Engine Optimisation Web Hosting ...

Picking out the most efficient web site software improvement providers are the make a difference of incredible confusion for your offshore clients. People today from throughout the world are outsourcing these services simply because they are usually readily afforded by them. Expense success, high quality, scalability, fairly simple adaptation on the shifting technologies in addition to a passion to deliver undertakings by having a full honesty are some in the reasons due to which the vast majority of offshore clients are shifting their emphasis from hiring the personnel in their countries to outsourcing the IT products and services in the building nations like India. With the present-day era, plethora of expertise which range from area of interest mobile phone application growth to word wide web enhancement are available at discounted charges from the intel solutions organisations. Notwithstanding of like a tremendous change, the purchasers inside western nations around the world are noticed to generally be concerned about a number of features of outsourcing.

The clients are observed anxious given that they question that their unique aspects, suggestions, ideas, patterns and graphics possibly will be breached or enter into the incorrect hands. They are really involved basically because the vast majority of these fearfulness that regardless of whether they are going to improve returns on investments or not. The organization with which the deal is hatched has an incredible on the internet repute or not? So you will discover literally chain of doubts, queries and apprehensions which can solely be countered on by next a few very important tips for deciding on the most suitable internet application improvement expert services.

one.Search for the List of Most appropriate Enterprises: If you want really worth for your personal cash flow, then it can be more effective to spend an entire working day in hunting for the record of most popular outsourcing website progress products and services. When you are executed with building the lists of outsourcing the online businesses, you can still actually shift ahead to select the most beneficial a single.

two.Test For the By going online Repute: Plenty customers publish their legitimate activities aided by the special services provider for the public message boards, chat rooms, blogs and remark packing containers of various webpages. The net repute will provide you a quick notion about the strength and weaknesses with the business with whom that you are planning materialize an offer.

3.Suggestions within the Previous Purchasers: Suggestions of your previous clientele may help you to be familiar with in regards to the solutions from the business in a far more in-depth way.

four.Range of Personnel: The sheer number of workforce working in an organization will let you in tracking the real power of an business. For an instance if you are finding some internet applications or cellular apps created from an IT organization, it is always sizeable for you personally to examine whether or not the business is using correct succeed drive with your venture or not.

5.Universal Authorizations: Examine after which cross look at whether the agency is ISO qualified or not. A business accompanied by a CMM amount 3 authorization can claimed to generally be added credible in delivering its assignments. These form of certifications can work as the proof or proof with the shoppers who really don?t believe in the agencies readily if they?re regionally or internationally not licensed from the concerned authorities. These universal authorizations can incorporate greater degree of authenticity for the providers as well as odds of gaining duped gets silent considerably less.

The 5 Top Issues To Know Before Shopping For Web Hosting Space can present you with optimum data for Windows Vs Linux Web Hosting Adjudicating The Higher Host.Please check-out the article for more facts!

Related posts:

1. On Page And Off Page Search Engine Marketing Internet Hosting Whats The Distinction
2. On Web Page And Off Web Page Search Engine Optimization Internet Hosting Whats The Distinction
3. On Page And Off Web Page Website Positioning Internet Hosting Whats The Difference
4. Find Out How To Use Search Engine Optimisation Internet Hosting To Dominate Search Rankings
5. How Are Search Engine Optimisation And Internet Hosting Related

Source: http://mysixstringsblog.com/on-page-and-off-page-search-engine-optimisation-web-hosting-whats-the-difference/?utm_source=rss&utm_medium=rss&utm_campaign=on-page-and-off-page-search-engine-optimisation-web-hosting-whats-the-difference

narcolepsy weather st louis faceoff kings island red hot chili peppers tour orange juice photos

Christmas Tree Fire Facts - Dearborn Free Press

DEARBORN HEIGHTS, MI ? The approaching holiday season brings traditions, parties, shopping, entertaining ? and potential danger,?according to Jeffrey Whitmarsh of SERVPRO?of Dearborn Heights.

Christmas Tree Fires Burn Quickly

The latest statistics available from the National Fire Protection Association (NFPA) show?the holidays are a high-risk time for home fires. Christmas trees are responsible for 240?home fires each year, and other holiday decorations are the cause of another 1,170 fires.

Thanksgiving Day sees almost a threefold increase in cooking-related fires; ?cooking fires?are almost twice as likely to happen on Christmas Day as on non-holidays.

?No one wants to think about the possibility of losing their home, and even more?tragically, lives because of a fire during the holidays,? said Whitmarsh. ?But statistics?show, it?s important to be aware of the increased risk seasonal decorating, entertaining?and cooking can cause during the holidays.?

Whitmarsh reminds Dearborn Heights residents that prevention and common sense can?help keep homes and families safe during the holidays and throughout the year. Here are?some sobering facts about holiday fires and tips to help keep your home, friends and?family safe throughout the holiday season.

?

Christmas Tree Fire Facts

• 33% of tree fires are caused by electrical problems; 13% involve decorative?lights. Check wiring on lights for breaks and wear. Replace worn strings and don?t?exceed manufacturer guidelines for connecting multiple strands of lights. Don?t leave?tree lights plugged in when you are away from home or when you go to bed.
• 42% occur on the 12 days from December 23 through January 3. Keep live trees?well watered to reduce the chance of a fire.

Holiday Decoration Fire Facts

• 45% of all holiday fires involve candles; that number rises to 56% in December.?Use flameless candles. If you do use traditional candles, burn them in sturdy?candle holders, well away from drapes and other flammable materials, and never?leave them unattended or allow them to burn down to less than one inch in length.
• 48% of all decoration fires start because the decoration is too close to a heat?source. Keep all decorations away from heat sources like radiators, portable heaters,?fireplaces, etc.

Cooking Fire Facts

• Cooking fires on Thanksgiving Day exceed the daily average by 272%. Supervise?items on the stovetop. ?58% of kitchen fires involve ranges; homes with electric?cooktops have a higher risk of fire than homes with gas cooktops.
• Cooking fires on Christmas Day and Christmas Eve exceed the daily average by?96% and 89% respectively. Keep flammable items ? potholders, packaging,?wrapping, wooden utensils, loose clothing ? away from the stovetop. And, don?t let?lack of sleep or alcohol consumption affect your ability to concentrate on preparing?the meal.

?It only takes a moment?s distraction or carelessness to turn a holiday celebration into a?catastrophe,? said Whitmarsh. ?We hope these tips will be a reminder to Dearborn and Dearborn Heights area families to make fire prevention a priority in their holiday preparations, so?they can spend the season enjoying family and friends, not dealing with the aftermath of a?fire.?

For more fire prevention tips and information about fire and water damage restoration?services, contact Jeffrey Whitmarsh with SERVPRO??of Dearborn Heights North / East?Garden City at (313) 228-5134 or servpro9764@aol.com.

Source: http://www.dearbornfreepress.com/2012/11/29/12949/

the matrix oceans 11 ferris state hockey mary poppins john derbyshire kinkade thomas kinkade paintings

Presidents meeting with vanquished rivals: A recent history (cbsnews)

Share With Friends: | | Politics - Top Stories Stories, RSS and RSS Feed via Feedzilla.

Source: http://news.feedzilla.com/en_us/stories/politics/top-stories/267186462?client_source=feed&format=rss

greystone sidney crosby at the drive in alternative minimum tax modeselektor gran torino gloria steinem

Wired Science Space Photo of the Day: Galaxy Rose

Link Information - Click to View

Wired Science Space Photo of the Day: Galaxy Rose
In celebration of the 21st anniversary of the Hubble Space Telescope's deployment into space, astronomers at the Space Telescope Science Institute in Baltimore, Md., pointed Hubble's eye to an especially photogenic group of interacting galaxies called Arp 273.

Source: Wired
Posted on: Wednesday, Nov 28, 2012, 11:46am
Views: 18

Source: http://www.labspaces.net/125552/Wired_Science_Space_Photo_of_the_Day__Galaxy_Rose

Steel Magnolias Niels Bohr the Rumble 2012 Columbus Day 2012 carlina white Sam Champion Engaged Infield fly rule

White Bear Lake decline taking area with it, lawsuit claims | Finance ...

Falling lake levels at White Bear Lake have hurt marina businesses and the beauty of the lake. But the overall economic impact is still unclear. (Staff photo: Bill Klotz)

A shrinking lake obviously looks bad. But it is unclear for now how much falling White Bear Lake water levels are affecting development aspects in the northeast Twin Cities suburb.

No matter what, White Bear Lake?s receding shores have disturbed enough local residents and businesses that they?ve sued the state Department of Natural Resources, blaming the DNR?s aquifer management for the lake issues.

The lawsuit, which citizens group White Bear Lake Restoration Association filed Tuesday in Ramsey County District Court, lists economics among the hardships: ?As boating, fishing, swimming, and other lake recreational activities have declined, so have the well-being of businesses on and near White Bear Lake.?

Michael Lander, whose Minneapolis-based Lander Group plans to break ground next year on a $19 million, 85-unit, market-rate apartment building in White Bear Lake, shares concerns about the lake level. But he also said, ?There?s more out there than just the lake.?

Lander mentioned a nice downtown, express bus service to downtown St. Paul and easy access to Interstates 35E and 694 among other positive features White Bear Lake has to offer residents and businesses.

?I think White Bear Lake is a wonderful community no matter what, but certainly the lake is its best amenity,? said Erik Ordway, a native of the city who still regularly boats on the lake and is on the board of the group suing the DNR.

Ordway in a separate role has real estate expertise through his downtown Minneapolis commercial brokerage work at Cushman & Wakefield/NorthMarq. He thinks a shrinking White Bear Lake could damage housing prices and inhibit other economic activities in the area.

?It was built around the lake,? Ordway said of the city of 23,800 residents. ?It?s an absolutely critical feature of what makes White Bear Lake such a nice place to be.?

Golden Valley-based Cambridge Apartments in June spent $4.8 million to buy the 81-unit Washington Square Apartments in White Bear Lake. David Dahl, executive vice president at Cambridge, does not think the lake situation will affect the building because its residents are seniors, and probably don?t boat much. But Dahl would be concerned if he owned a business or was a homeowner.

?I think it would be a real loss for the community,? Dahl said of the shrinking lake.

For now, DNR officials have no comment as they review the lawsuit, which was filed on the White Bear Lake Restoration Association?s behalf ?by attorneys at Robins, Kaplan, Miller & Ciresi. The lawsuit cites a U.S. Geological Survey study that found surrounding communities? groundwater use affecting the lake level.

The water elevation at White Bear Lake in recent days reached a historic low elevation of 919.17 feet, down about 6 inches from its normally high level, according to the DNR data. Local residents complain of extra lake vegetation and having to move docks farther out into the lake; some have had to get permission from the DNR to mow exposed lake bed near their homes.

Meanwhile, White Bear Lake?s real estate market appears to be performing slightly worse than the overall Minneapolis-St. Paul metro.

The median price of a house in the city was $206,400 between 2009 and 2011, a 6.7 percent decline from the 2008 to 2010 period, according U.S. Census Bureau data on the Metropolitan Council?s website. The median price declined 5 percent, to $224,200, across the entire Minneapolis-St. Paul metro.

White Bear Lake?s apartment vacancy rate was 2.8 percent in September, up 0.7 percentage points from September 2011, according to Marquette Advisors? most recent Apartment Trends report. Across the Twin Cities, it was 2.7 percent, up 0.3 percentage points year-over-year.

Mark Sather, White Bear Lake?s city manager, thinks boat marina businesses are certainly impacted by the water level drop in recent years. The city?s marinas have been 35 to 40 percent vacant, versus the waiting lists they used to have.

Sather, though, is unsure about the effect on housing prices. Even with homes on the lakeshore, ?they?re still beautiful homes, and they?re still on a lake,? Sather said.

This entry was posted on Thursday, November 29th, 2012 at 7:30 am and is filed under Business & Economy, Economic Development. You can follow any responses to this entry through the RSS 2.0 feed. You can skip to the end and leave a response. Pinging is currently not allowed.

Source: http://finance-commerce.com/2012/11/white-bear-lake-decline-taking-area-with-it-lawsuit-claims/

end of the world 2012 pink martini times square 2012 predictions new years eve ball drop new years eve times square 2012 2012 holidays

The Daily Roundup for 11.28.2012

You might say the day is never really done in consumer technology news. Your workday, however, hopefully draws to a close at some point. This is the Daily Roundup on Engadget, a quick peek back at the top headlines for the past 24 hours -- all handpicked by the editors here at the site. Click on through the break, and enjoy.

Continue reading The Daily Roundup for 11.28.2012

Comments

Source: http://feeds.engadget.com/~r/weblogsinc/engadget/~3/sA6XUu7OhV8/

tupelo honey limp bizkit stations of the cross nike foamposite galaxy bill maher seabiscuit dingo

MKHMedvcdev posted an update: air jordans on sale previous college jordan 5jordan [?]

air jordans on sale previous college jordan 5jordan sneakers jordan s footwear

From a age, almost all of us e speak of Air travel Jordans Place which usually we occasionally beggarly the particular gents aura jordans. Aura Jordans Footwear began off with each of the far-famed hoops star who called Jordan. He / she arrived up with all the jordans ace that created having a outstanding logotype inged basketball sport?on the higher within this footwear for women. Ahead of using trapeze signs and symptoms jordan 4, Jordans 1 furthermore Jordans two ended up decided on for a symbolic representation with winged basketball. Air Jordan a single came out inwards 85, early ninety along with commencing of 2001. Nike Ship company obtained usually double re-manufacture of the true environment jordan sneakers for inexpensive The air jordan ane. The particular Greco-Roman gloss is really smutty by utilizing red, in addition air jordan, when compared to bluish-pitch-black. This will jordan sneaker be the start(a) two of Airwave Jordans Sneakers. We all know bicycles ofAir Jordans Footwear. Right now we speak on the specific Womens Jordans cheap jordan shoes. Girls Jordans will be the dissimilar stylus with all the Gentlemen Jordans Spot. Women Jordans have an overabundance of gorgeous hues and likewise arrive away from the closet sounding notable one of the gents Jordans. Looking externally, we realize that specific two of Ladies Jordans are not only seen together with I semblance just exploited several or two colors unitedly from the person. large heel jordan sneakers Additionally they have dissimilar behaviors with assorted types consequently girls really need to a greater extent prize pertaining to Airwave Jordans Shoes jordan retro. Nike jordan mark furthermore the famous architect? Vashtie Cola acuminata made the Jordans two?Lavender? He did this the original Youthful Jordans produced by Jordans and female architect. They use unique, which normally just offer jordan shoes low cost ladies dimensions to choose from. Each one of these shapes with Womens Jordans footwear but not only North Korean won the ladies appear around but North Korean won the actual complete praise on the many male particular person supporters with room appreciation expressed inwards discussion boards. We comprehend thatAir Nike jordan six is among essentially the most well-known spot although within the Females Jordans. They compound favorable skills in the air jordans sneakers and lovely trying to find with the females jordans. Once you use a number of Air Jordan vi involving ladies jordans, you are going to discover that they are burst with your basis as though you won?t be wearying sneakers air jordan shoes. Concurrently, air max you?ll find out it?s comfy some of Air Jordan half-dozen related with females jordans. Whilst you need to do a couple of sporting pursuits, this certain pair of footwear could make you start off over one more location. and even more wonderful jordan 3. jordans low cost once you putting on a set of girls jordans, you could possibly fulfill nicely knowledgeable near to on your very own and you also will then filling a lot more exciting inside of routines endeavor. We now have differing types of Females Jordans among a lot of Airwave Jordans Sneakers so that you might choose. You reside have you been presently from and anywhere are you heading to <a href="http://www.c

Source: http://myx.tv/activity/p/864282/

nick diaz sheryl sandberg superbowl recipes super bowl kick off chili recipes carlos condit diaz vs condit

Bulk Investors And The Real-Estate &#39;Recovery&#39; | ZeroHedge

Via Pater Tenebrarum of Acting-Man blog,

Bulk (Wall Street) buyers have been receiving a lot of attention recently. It's time to take a closer look.

There is little data available pertaining to bulk investors and even less meaningful analysis. Historically, Wall Street has never been active in direct ownership of single family homes, so there is no past histrory to learn from. We need to start from scratch.

How big are these bulk buyers? A few months ago, I read a report that Keefe, Bruyette & Woods estimated Wall Street had raised $6 billion to $8 billion so far, which is really a paltry sum in the world of high finance. It is impossible to estimate how much small investors are adding to this investment pool. We also have no clue how much this pool may grow over time, or whether it will? soon be exhausted and shrink instead.

Investors typically buy lower end properties. Say at an average of $100,000 per unit, the $6 billion to $8 billion raised so far would not even amount to 100,000 homes.

On the national level, and using the most recent releases, Existing Homes Sales and New Homes Sales combined are coming in at a pace of just over 5 million for 2012. The median price is $178,000 for existing homes and $242,000 for new homes. 100,000 homes would not even show up on the radar.

As for foreclosures, there are 5.6 million total non current loans in various stages of default. The current estimate for under water mortgages still exceeds 10 million, or about 20% of all mortgages. The Wall Street bulk investors are unlikely to put a dent in the distress property arena for the foreseeable future. In comparison, when the Resolution Trust Corporation (RTC) was dissolved back in 1992 due to the sunset clause, investors cleaned the entire inventory of REOs and loans off the books with just a few auctions.

On the localized level, it is a slightly different story. I am going to use three Western metro areas as examples. Phoenix, Southern California and Las Vegas were hotbeds of the subprime bubble and are once again the most sought after areas, this time by bulk investors. Using September data from DQNews, investors purchased 38.6%, 27.3% and 48.5% of all sales respectively. The actual number of absentee buyers for the four areas totaled 9,885 for the month of September. I expect this number will grow for the current months and into the near future, as investors eagerly place their funds. There is no data that separates absentee buyers into specific classes, such as Wall Street funds, local syndicates or small investors. However, if the bulk buyers are actively accumulating in these select markets, it is safe to assume that they do have some influence. The question is for how long.

Of the aforementioned metro areas, Las Vegas is the most out of whack. There were 4,570 sales in October.? 50.2% were sold to absentee owners, 52.5% in cash (43.2% were short sales, 16.7% were REOs) and 36.1% FHA financed. I have never seen a market where over half of the buyers paid cash and over 1/3 of the sales were financed via the FHA, leaving only 14% of sales in the "other" category.

In just the months of September and October, Las Vegas sold 4,278 single family units to absentee owners.? Assuming a majority of them will show up as rentals soon, if they haven't already, how much more can the market absorb? If this trend continues, how many months will it take to swamp the desert with single family rentals?

Even more out of whack is the "it's cheaper to buy than rent" theory. I am not disputing the math but rather the conclusions.? Just the fact that it is cheaper to buy does not mean that renters should buy. Maybe housing is simply unaffordable and rents are way too high.? As the supply of rentals continues to increase, natural economic forces should be driving down rent and home prices. Furthermore, if renters are buying because it is cheaper than renting, won't there be even more pressure from this supply of rentals? Where are the additional 2,000 renters going to come from each month?

Finally, it is mind boggling that they are still building in this market. Here are some of the new homes for sale.? Just this website shows 100 communities on the market.

As an investor, why would I touch the Las Vegas market? Check out the popular websites such as craigslist or rentals.com. There are countless houses, condos and apartments for rent, all chasing after this phantom demand.? Cash investors have to ability to lower rents to the level that the market will bear, but can current investors compete? With so many renters, are neighborhoods going to deteriorate, driving even more under water mortgages into foreclosure?

I took a number of these rentals in Las Vegas and did a quick analysis on their return. It is impossible to come up with a reliable vacancy allowance. It is entirely possible for a bulk investor today to be sitting on a bulk of vacant houses tomorrow. While the option exists to lower rents, that can cause a chain reaction which may result in more foreclosures, more distress properties and a new round of depreciation in value.

Phoenix was probably the first region to experience an investor driven rebound. The most recent data from DQNews for September are already showing a sequential as well as a year over year decline. I am eagerly waiting to see what the October statistics will look like. Is that recovery already running out of steam?? The median price has been appreciating to $155,000 but it is still 41.3% below the all time peak of $264,100 in 2006. I am not suggesting that the subprime peak was reasonable, just that there is still a boatload of homeowners who have little or no equity in their homes.

Here in Southern California, the herd mentality is in full control with buying increasing at all levels. How long will this feeding frenzy last? Will the bulk investors be able to generate enough returns to whet their appetite for more? Will the local investors continue to ride on the coattails of the Wall Street moguls? Will owner occupiers continue to overpay for new homes because the 1%ers are paying cash and squeezing them out of the non-FHA market?

Stay tuned.

Average:

Your rating: None Average: 4.5 (10 votes)

Source: http://www.zerohedge.com/news/2012-11-27/bulk-investors-and-real-estate-recovery

Autumn Pasquale ann coulter Iron Man 3 Trailer minecraft Pretty Little Liars Ben Wilson Latest Presidential Polls

Officer: General didn't direct Manning's treatment

FORT MEADE, Md. (AP) ? A retired Marine Corps colonel denied Tuesday that a three-star general directed the harsh pretrial confinement of an Army private charged with passing reams of classified documents to the secret-spilling website WikiLeaks.

Daniel Choike was installation commander of the Quantico, Va., Marine Corps base during Pfc. Bradley Manning's nine months of confinement there from July 2010 to April 2011. He testified at a pretrial hearing for Manning.

Manning is seeking dismissal of the case, alleging he was illegally punished by conditions that included being locked up alone at least 23 hours a day, being forced to sleep naked for several nights and being forced to stand naked at attention one morning.

His lawyers contend the conditions were directed by Lt. Gen. George Flynn, who was commander of the Marine Corps Combat Development Command at Quantico at the time. Confronted by civilian defense attorney David Coombs with a series of emails that included Flynn and Choike, Choike testified he kept Flynn informed about the situation but that Flynn never influenced the decision to keep Manning on maximum security and prevention-of-injury status.

"Gen Flynn was not in the decision-making chain," Choike said. "Gen. Flynn never once influenced anybody."

Instead, Manning's custody status was determined by the brig commander, he said. That position was held during Manning's confinement by Chief Warrant Officer 4 James Averhart and then by Chief Warrant Officer 2 Denise Barnes.

Choike defended the brig commanders' decision to keep Manning classified as maximum-custody detainee who posed a threat of injury to himself or others. The classification was contrary to the recommendation of mental-health workers who examined him.

Court recessed for the evening after more than five hours of testimony from Choike.

Choike acknowledged that Flynn had expressed interest in Manning's confinement due to the nature of the charges and international media attention to the case. Choike said Manning was under suicide watch when the soldier arrived at Quantico from Kuwait, and Flynn wanted assurance that everything was being done to keep him safe. Another prisoner had committed suicide in the brig the previous December.

Choike said Manning's custody status was determined in part by his odd behavior, including licking the bars of his cell, "erratic dancing" and lifting invisible weights. Coombs suggested that the bar-licking occurred during sleepwalking and that the other behaviors were merely exercise.

Choike said Manning's jailers took away his underwear at night starting March 2, 2011, after he made what they regarded as a suicidal comment: "I have everything I need right here to be able to harm myself. The waistband of my underwear can do this." Coombs suggested the comment stemmed from Manning's frustration at being kept on injury-prevention status.

A day later, Manning was forced to stand naked at attention for morning inspection by a guard who told him he wasn't allowed to cover himself with his blanket, Coombs said. Choike denied any knowledge of such an order. If the guard gave it, "That would be wrong," Choike said.

"And why would that be wrong?" Coombs asked.

"It serves no purpose," Choike said.

Before the hearing Tuesday, about two-dozen Manning backers held up signs of support outside the post. Then they attended the proceeding, many wearing black T-shirts with the word "Truth" in white lettering.

The U.S. government claims the disclosures attributed to Manning endangered lives and security. Manning supporters say the leaks exposed war crimes and triggered pro-democracy uprisings in the Middle East.

Judges can dismiss all charges if pretrial punishment is particularly egregious, but that rarely happens. The usual remedy is credit at sentencing for time served, said Lisa M. Windsor, a retired Army colonel and former Army judge advocate now in private practice in Washington.

In a 1956 case, U.S. v. Bayhand, a military appeals court ordered all charges dismissed against a soldier who had been forced during his pretrial confinement to do hard labor alongside a sentenced prisoner. The court ruled that the soldier had been given an illegal order.

Since then, there have been few, if any, cases in which pretrial punishment has led to dismissal of all charges. Lt. Col. Eric Carpenter, chairman of the criminal law department at the judge advocates school in Charlottesville, Va., said he couldn't find one but he couldn't say for sure that the remedy hasn't been granted.

Manning has also offered to take responsibility for the leak by pleading guilty to reduced charges. The military judge hasn't yet ruled on the offer and prosecutors have not said whether they would still pursue the charges against him.

The military contends Manning's treatment at Quantico was proper, given his classification as a maximum-security detainee who posed a risk of injury to himself or others. He was later moved to Fort Leavenworth, Kan., where he was re-evaluated and given a medium-security classification.

A United Nations investigator called the conditions of Manning's time at Quantico cruel, inhuman and degrading, but stopped short of calling it torture.

The 24-year-old native of Crescent, Okla., faces possible life imprisonment if convicted of aiding the enemy, the most serious of the 22 charges.

He is accused of sending hundreds of thousands of classified Iraq and Afghanistan war logs and more than 250,000 diplomatic cables to the secret-spilling website WikiLeaks while he was working as an intelligence analyst in Baghdad in 2009 and 2010.

The materials Manning is suspected of leaking include sensitive reports on foreign governments and leaders, Iraq and Afghanistan war logs and a 2007 video clip of a U.S. helicopter crew gunning down 11 men later found to have included a Reuters news photographer and his driver. It was the video that garnered the most worldwide attention from the leak. As for the video clip, the Pentagon concluded the troops acted appropriately, having mistaken the camera equipment for weapons.

Source: http://news.yahoo.com/officer-general-didnt-direct-mannings-treatment-015741211.html

gone with the wind michael jordan checkers imbibe msg network ray j anthony shadid

patelpartiv: HEALTH and FITNESS | Disability Benefits Explained ...

The letters and numbers you entered did not match the image. Please try again.

As a final step before posting your comment, enter the letters and numbers you see in the image below. This prevents automated programs from posting comments.

Having trouble reading this image? View an alternate.

Source: http://eugenegrove.typepad.com/blog/2012/11/health-and-fitness-disability-benefits-explained-ebook.html

tony robbins abraham lincoln vampire hunter their eyes were watching god lara logan manu ginobili sports illustrated swimsuit 2012 aretha franklin whitney houston

Source: http://kugnydifu.posterous.com/health-and-fitness-disability-benefits-explai

cleveland cavaliers cleveland cavaliers war horse k cups best buy >>>uotores essentialID:">we bought a zoo we bought a zoo

Source: http://entertaining-recipes.blogspot.com/2012/11/health-and-fitness-disability-benefits.html

Kyna Treacy x factor x factor megan fox Bb&t Lane Goodwin Romnesia

Source: http://patelpartiv.blogspot.com/2012/11/health-and-fitness-disability-benefits.html

fox sports frank ocean obama speech amber rose kindle fire drew peterson Art Modell

Relationships: Effective communication strategies for family ...

As I walked into CAMH, the Centre for Addiction and Mental Health, I saw someone sitting in one of the chairs in the front foyer. Her legs were folded into a lotus yoga pose, her eyes were closed, her index finger and thumb were touching, her palms were up.

?Weirdo,? I thought. I?m not sure where my animosity came from. I like yoga. I?ve done it often. But somehow, this woman who looked like she was about to chant ?OM? at the front of the CAMH foyer infuriated me. I punched the ?8? button in the elevator and slid into room 801, where the seminar on Effective Communication Strategies for Family Members had already started.

?Sorry I?m late,? I muttered. Jen and Emma, the clinicians running the session, invited me to take the photocopied handouts. I picked them all up, trying to make as little sound as possible. 1. Communication Barriers. 2.? Common Mistakes (When communicating with people in pain) 3. Blocks to Listening. I sat down at the packed boardroom table. How bizarre. We looked like a board meeting. But what kind of a company would we be the board of? What exactly would be accomplished at what appeared to be the quarterly meeting of the saddest business in the world? We must make photo developing machines.

?This Instagram thing is just a fad,? says the CEO. ?We need to focus on better quality paper. That?s what?s going to get us our customers back.?

?I?ve never seen anyone hang a tablet on their wall. People want pictures printed.?

We keep lying to ourselves, working at this impossible task, trying to think of reasons to trick ourselves into get out of bed in the morning.

I brought my attention back to the seminar. Jen and Emma were taking us through the ?Communication Barriers? handout. ?Bad Timing? was the first on the list.

?Sometimes people are not ready to hear what we want to say to them,? Emma told us. ?It?s an unfair tactic to insist on talking about a problem when it?s late, when one of you is tired, when you are rushing to get somewhere.? Good point, Emma. In the past few weeks, there hasn?t seemed to be time for me to talk to anyone about what I am feeling. I can?t find a spare moment. I?m too busy.

The second communication barrier on the photocopied handout was ?Avoidance.? People who are avoiding often claim that the timing is bad. ?If there is always a reason why one partner can?t talk about a problem, it?s avoidance.? Well played, handout. I sat up. I started listening more closely. I started writing things down. Jen and Emma took us through a communication strategy that Jen wrote on the board (There?s a chalkboard in this room! Oh for heaven?s sake if there is any proof that we have no idea what we are doing, it is the chalkboard in this room.) But we took notes because that?s what you do when someone writes on a chalkboard. Someone asked what happens when we do everything right, and we still can?t get through to our loved ones? Jen paused with her chalk in mid-air, and turned away from the board.

?Sometimes we get hung up on saying the exact right thing at the right time. But sometimes even if we do everything right, that won?t work. And all we can do is know that we did our best, accept that, and take care of ourselves. And that?s OK.? We were all silent. It did not feel OK.

But even while I saw futility in the handouts and the chalk-written acronyms, I also felt that for the first time in weeks, I could see why I hated people in yoga poses, and why I was avoiding everyone. I saw on the faces of everyone around me at that meeting that they were feeling the same way I was. We were scrutinizing the handouts carefully, looking for the step-by-step instructions to make our loved ones see how much they were hurting us. Trying to find the handout that showed us how to make the person we loved well again. Trying to find a business plan that made photo paper relevant.

Every other person who was at that table with me has someone who is carrying part of their hearts around with them everywhere. And that person is sinking. CAMH has lots of resources for families of people with mental health and addiction problems, but I think the main resource for me this week was a reminder that I was not alone. That I was not unique in my feelings of helplessness. On the way out I looked for the yoga woman I had disliked so much on the way in. I think I just wanted to see her again in my new, less alone frame of mind and wordlessly apologize for calling her a weirdo. Also, I wondered if she?d moved on to other, weirder poses. But she wasn?t there any more. I hope wherever she is, she found some peace. I did, and I?m thankful.

Source: http://o.canada.com/2012/11/22/relationships-effective-communication-strategies-for-family-members/

the shins atomic clock daylight savings time john mccain game changer selection sunday corned beef recipe

Health, Beauty and Fitness Site ? Blog Archive ? What Does PALS ...

21Nov

PALS or Pediatric Advanced Life Support is a medical certification course which is specifically meant for training the health care professionals on how to deal with clinical emergencies in infants or children whether out of or in the hospital. The PALS Certification Class is an endeavor by American Heart Association jointly with American Academy of Pediatric which started in 1983. The health care providers like paramedical staffs, nurses and physicians who are working or interested in working in the pediatrics section should take up the PALS Certification Course to respond effectively to life support emergency situations in younger patients.

?

So what does PALS courses comprise of? Well, the trainees here learn to assess the symptoms and risks to cardiopulmonary arrest in children and how to take effective measures in preventing the arrest immediately. Then, you would be taught to assess signals for shock or respiratory failure, management or intubations of airway as well as dysrrhythmia recognition, vascular access and resuscitation measures in younger ones. Moreover, the Pediatric Advanced Life Support course is needed to handle child CPR situations. It?s to stress here that child CPR situations would need more compressions than the adult CPR situations and hence if you are trained in adult CPR handling you have to take up the PALS training again if you have planned to work with children.

?

The PALS courses today are available from a number of institutions over the internet. If you too are interested in taking up a PALS Certification online always hit on to a reputed provider. Don?t forget to check out whether the institution online comes with AHA compliant exams as otherwise your certificate won?t be considered as valid. Besides, make sure that your chosen PALS certificate course provider allows the trainees for free of cost exam retakes in case you cannot pass out in your initial attempt.

Source: http://www.laughinghara.com/what-does-pals-certification-course-comprise-of/

Angie Everhart tom hardy columbine British Open leaderboard Jessica Ghawi People Water Fred Willard

What foods are harmful to eye health | Health and Fitness Tips ...

The eyes are the window to the soul of mankind, is very important to protect the eyes. Here are several harmful eye health food.

Dessert contributing to myopia
After continuous research by a number of countries found in foods damage the eyes, the desserts are one of the most deadly food. Excessive eating dessert will encourage the development of myopia. This is because the sugar in the sweets in the metabolism of the human body needs a lot of vitamins B1, excess sugar will be a lot of lack of vitamin b1.
Therefore, in order to protect the eyes, in peacetime, it is best to eat some dessert foods, especially for people already suffering from myopia, this time should be prohibited to eat some desserts.

Garlic harmful to the eyes
Garlic has antibacterial efficacy of sterilization, but also have some preventive effect for many diseases, if eaten in moderation on the human body does have a very good role. However, if long-term excessive eating garlic, especially for people suffering from eye diseases, and often fever, there will be adverse effects.

Spicy eye injury
If excessive eating some spicy food, around the eyes will feel and burning sensation, and eye blood vessels will also cause blurred vision due to congestion and. Long spicy stimulation will advance conjunctivitis, senile diseases of the fundus arteriosclerosis, dry eye and vision loss, so northerners if long-term spicy food damage to the eyes.

• Anti wrinkle tips for women
  Wrinkles is the enemy of female beauty, and how slow the appearance of wrinkles? In fact, the life of many foods are very good on the skin, "modified" role. For example, the skin needs protein-rich, c...
• Six kind of foods lowering blood lipid
  1, Onion: increased good cholesterol Onion is a very small number of vegetables with prostaglandin A, prostaglandin A is a strong vasodilator, can soften blood vessels, reducing blood viscosity, incr...
• About top skin whitening foods
  The following describes top skin whitening foods: 1, Peas Peas have "removal black dark, make the skin surface gloss" effect. Modern research is found that the peas are rich in Provitamin A, Provi...
• What foods dont eat for Alopecia areata
  With alopecia areata what can not eat? 1, Avoid polysaccharides diet: sweet food in vivo metabolism generates a large number of acidic substances, impede hair growth. 2, Avoid eating too much gr...
• How to prevent computer radiation?
  The use of computer, its the best equip a quality of good radiation protection screen before display. Attention, eat some carrots, bean sprouts, tomatoes, lean meat, animal liver, such as vitamin A, C...
• Considerations fasciitis patients
  Patients with low back neck fasciitis 1, long sedentary office personnel should be regular breaks to relieve tense back muscles. 2, usually pay attention to posture, sitting for an hour should cha...
• Several bad habits would damage kidneys (renal)
  1, The abuse of analgesic drugs Long-term use or large doses of some anti-inflammatory drugs, such as painkiller, anti - inflammatory pain, paracetamol, aspirin, etc., easily lead to kidneys damage. ...
• The nutritional value of carp
  Nutrition (100 grams) 109.00 kcal calories, protein, 17.60 grams, 4.10 grams of fat, carbohydrate 0.50 g, 84.00 mg of cholesterol, vitamin A25.00 mg, 0.03 mg thiamine, riboflavin 0.09 mg, 2.70 mg ...
• How to prevent intracerebral hemorrhage (Cerebral hemorrhage)?
  Cerebral hemorrhage, it is rapid onset, dangerous condition, the mortality rate is very high, acute cerebrovascular disease in the most serious kind, for the current lethal disease in the elderly -. W...
• Do not eat raw eggs that are not healthy and not nutrition
  From the health point of view, unhealthy eating raw eggs. According to the survey, 10% of the raw eggs contain bacteria or fungi to Salmonella is common. Egg is not fresh, contained bacteria is much g...

Tags: eye health, harmful to eye health, harmful to eye health food
This entry was posted on Tuesday, November 20th, 2012 and is filed under Health Tips. 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.hhtip.com/what-foods-are-harmful-to-eye-health/

tinker tailor soldier spy rich forever rick ross project runway all stars elin nordegren tangled ever after kansas state last house on the left

Source: http://dugavud.posterous.com/what-foods-are-harmful-to-eye-health-health-a

bcs national championship bcs championship bcs national championship 2012 university of alabama national championship game bcs game lsu vs alabama

Kaiser Permanente lays off 530 employees in Southern California

Kaiser Permanente officials have confirmed 530 union employees in Southern California have been laid off.

At least 85 position were eliminated at the Fontana and Ontario medical centers, officials said Friday.

Officials at the health-care provider did not release the locations of the other 445 positions.

The layoffs do not include physicians.

"We expect that over the next year we will experience significant membership growth and anticipate that many of these affected employees will have new opportunities to be placed in other positions and remain with our organization," said Peggy Hinz, spokeswoman for Kaiser Permanente.

Kaiser officials said they have undertaken a series of layoffs to ensure they meet possible changes that could occur with the implementation of President Obama's Affordable Care Act, which aims to make sure every American has health care coverage.

Late October, Kaiser laid off 84 non-union employees, which they called a "modest downsizing of staff" in Southern California.

United Steel Workers Local 7600 President Roy Wiles spent his Friday notifying employees they no longer had a job with Kaiser. The union represents clerical, patient care and service workers in the Inland Empire.

"I've done this a long time. I don't think it's ever easy," Wiles said.

"It's very difficult for all the employees."

The Kaiser employees will be able to take advantage of the union's

income-protection program that is set up to help find retaining, education and possibly another job at Kaiser, which Wiles said has been successful in the past.

As of Oct. 30, Kaiser facilities in Southern California had 60,000 staff members and 5,700 physicians.

Staff writer Ryan Carter contributed to this report.

canan.tasci@inlandnewspapers.com

909-483-9340

@ChinoValleyNow

Source: http://www.presstelegram.com/ci_22014897/kaiser-permanente-lays-off-530-employees-southern-california?source=rss_viewed

breaking dawn part 2 breaking dawn part 2 hostess ufc McKayla Maroney Susan Rice Coughing

College Football?s Top 60 NFL Draft Prospects

1 of 61

Jerry Lai-US PRESSWIRE

The college football season is at its midpoint and a number of players have improved their draft stock while some have seen their star shine not as bright as it did the previous year. Taking a look at the college football landscape and projecting players to the next level is one of the most challenging aspects of the sport, but at the same time also one of the more entertaining facets of the game.

I have identified the 60 best NFL prospects and ranked them from top to bottom. This is not a mock draft, but rather taking the players skill set and ranking them from No. 60 to No. 1. Therefore, the top player on my list is not necessarily the presumptive number one pick in April?s draft.

For example, if I have a quarterback at the top spot on my list and the Indianapolis Colts have the first pick in the draft, they are not going to take a quarterback after taking Andrew Luck.

One early trend to monitor as the season rolls on are that the SEC continues to dominate in producing NFL talent, and offensive and defensive lineman are well represented.

A number of intriguing quarterback prospects are presented, although the drop off after the top two is steep. Other observations include the skill positions where elite wide receivers, running backs and tight ends could present good value in the second round of the draft.

The list is subject to change as the college season develops and players will move up and down the list and new names will appear. Please let me know who you think I have ranked too high or too low and players you think are worthy of being on the list.

Follow me on Twitter @PatrickASchmidt

Patrick is a diehard Chicago sports and avid college football fan, and the host of ?The Wake-up Call,? a weekly sports show on Sportstownchicago.com Wednesday mornings from 8-10. View his show?s website here.

Source: http://www.rantsports.com/ncaa-football/2012/11/14/college-footballs-top-60-nfl-draft-prospects/

oakland news alec baldwin alec baldwin college basketball oakland pinnacle airlines kansas vs kentucky

Innovation Balancing Act | Executive Street

On June 15th of this year, Nik Wallenda became the first person ever to walk across the roaring Niagra Falls on a 2-inch wire.

After battling wind swells, and thick mist, Wallenda completed his walk crossing from the United States into Canada.

He was greeted by a Canadian customs agent who asked, ?What is the purpose of your trip sir??

Wallenda?s response: ?To inspire people around the world to follow their dreams and never give up?.

There are many possible roads to innovation. Successful innovation means defining your own road. Much like Nik Wallenda?s walk across Niagra Falls, some of the best innovations come from stepping outside your own comfort zone and balancing the many different facets of innovation.

The formula for success in innovation is about finding the middle ground, walking the tightrope between risk and innovation; between ideation and value creation. The Innovation Balancing Act.

Successfully managing the process of innovation ensures the outcome results in a superior return on investment (ROI).

Risk/Innovation

It?s safe to say that companies are not naturally inclined to try new approaches without clear evidence that those approaches are likely to work. Like many innovators, you may find yourself struggling to innovate in advance of an anticipated economic recovery, while still working to keep costs down in a decidedly uncertain business arena. To increase initiative and innovation, you have to encourage and even embrace failure. You must have a willingness to invest without ROI assurance (see Innovation is Creativity X Risk Taking).

Keep in mind:

• Milton Hershey started three unsuccessful companies before Hershey?s Chocolate.
• Michael Jordan was told he was too short to play on his high school varsity basketball team.
• The Beatles were originally rejected by Decca Recording studios, who said ?we don?t like their sound? and ?they have no future in show business?.
• At age 30, Apple?s Board of Directors decided to take the business in a different direction, and Steve Jobs was fired from the company he created. Not only did Jobs go back to his former company, but he changed the market in an astounding way.?Jobs claims that his career success and his strong relationship with his family are both results of his termination from Apple.

Are you creating the next Hershey?s or Apple?

Ideation/Value Creation

The key to optimizing sustainable Innovation programs is value creation. While the creation of the idea is important, the creation of value for the customer is equally paramount.?Adding perceived value to a new product or service will drive ROI. The value proposition is the key to successful innovation.

Customer value can be created through the actual value-added of the new product, once you find that delicate balance between cost, price and return. Balance is found, in part, by seeking stakeholder input and customer feedback during development of any innovation process (see Value Creation).

Remember:

• A means to an end ? Think of innovation as a process that uses intellectual capital to generate positive business results, new findings and as a result, even more innovation.
• Key Considerations ? Remember to monitor start-up costs, speed to market, scale to volume and other metrics.
• Customer is king ? develop an innovation with high perceived value and strong sales will follow.
• IP Protection ? IP and Patent protection lock in your competitive advantage and support sales results and market share.

You can learn more about the above points, including how to protect your ideas, by reading ?Robert?s Rules of Innovation. Robert Brands is the founder of?InnovationCoach.com?and the author of ?Robert?s Rules of Innovation?: A 10-Step Program for Corporate Survival, with Martin Kleinman, published by Wiley.

Source: http://blog.vistage.com/business-innovation/innovation-balancing-act/

james harrison james harrison falcons giants game norman borlaug santorum new hampshire debate

Mortgage Refinancing , Credit Counseling - Mystar credit and debt ...

When applying foe a Mortgage Loan , there are many pitfalls that most consumers are not prepared for.

Mystar Credit Counseling offers help in understanding the terms used in Mortgage Refinancing and Mortgages as a whole.

Call 317-284-6500

7271 N Shadeland Ave. Indianapolis? In 46250?? www.mystarcredit.com

?

?

?

What is home equity?

Home equity is the difference between the value of your home and the amount you owe on it?

• For example if you have a home worth $100,000 and you owe $75,000 on it you have $25,000 of equity in your home?
• If you owe $125,000 on the same home you would have negative equity of $25,000 or be upside down

What is a loan to value ratio?

• A loan to value ratio is the ratio that results from dividing the outstanding principal balance of the loan by the value of the home.
• If you have a home worth $100,000 and you owe $75,000 you would have a 75% loan to value.

You have 3 business days to cancel the loan?

• If you are using your home as security for a home equity loan or line of credit federal law gives you 3 business days after signing the loan papers to cancel the deal for any reason without penalty?you must cancel in writing and the lender must return any money you have paid to date

?

?

What is a home equity loan?

• A home equity loan is based on the amount of equity in your home and allows you to borrow funds for a fixed length of time with a fixed interest rate and fixed payments
• The term is usually between 5 to 30 years and the best rates are offered on shorter-term loans
• Long term equity loans tend to have higher rates than fixed-rate mortgages even when interest rates are low
• If you have a one-time need for cash and prefer the security of a fixed rate, a home equity loan may be for you
• Borrowing limit based on your home's appraised value
• Interest paid on home equity loans may be tax-deductible (please seek the advice of an accountant on this)
• The APR takes into account the interest rate charged plus points and other finance charges
• Typically no closing costs
• Rates higher than mortgage refinancing

What is a home equity line of credit?

• A Home Equity Line of Credit (HELOC) is based on accumulated home equity and generally offers a variable-rate revolving line that may be borrowed again as it is paid off (similar to a credit card)
• The variable rate must be based on a publicly available index e.g. the prime rate as listed in the Wall Street Journal so it is important to know what index it is based on, how often it changes and any margin
• Some may have a low introductory rate
• By law they must have a cap on how much your interest can increase over the life of the loan
• Some plans limit how much your payment may increase and how low your interest can fall if the index drops
• The interest rate fluctuates so your payments may not be the same every month
• Payments may be interest only or principal plus interest
• You can access the line of credit using special checks or a card linked to the line as you need the money and only make payments and pay interest on the amount you have borrowed
• Some are flexible and allow you to lock the interest rate on all or a portion of the balance at any time
• The draw period is the period of time in which you can borrow money and minimum payments are required during this period
• After the draw period ends you can no longer borrow money from the line of credit
• When the draw period ends you will enter the repayment period and your payments will likely be larger than during the draw period
• If you make only the minimum payments you may not pay off your entire balance by the end of the term and you will have to make a balloon payment
• May be renewable
• The quoted APR will not reflect closing costs and other fees and charges so compare all costs among lenders
• Interest paid may be tax-deductible (please seek the advice of an accountant on this)
• Typically no closing costs
• Rates higher than mortgage refinancing
• If the value of your home falls significantly your lender may freeze your line of credit and you will not be able to make additional withdrawals
• Lenders can also freeze your line of credit if they believe you will be unable to make your payments due to a ?material change? in your financial circumstances
• Beware of prepayment penalties

Costs to Establish and Maintain a Home Equity Line

• Appraisal fee
• Application fee, which may not be refunded if you are turned down for credit
• Up-front charges such as points (one point = 1% of the credit limit)
• Closing costs, including attorneys? fees, title search, mortgage preparation
• Additional fees may include annual membership or maintenance fees or transaction fees every time you draw on the credit line
• Some lenders waive some or all of the closing costs

What is a mortgage refinance?

• When you refinance you pay off your current mortgage with the proceeds of the new mortgage loan
• Reasons to refinance
  • Lowering your interest rate
    • Changes in market conditions
    • Improvement in your credit score
    • Getting a shorter term on your loan
    • Cash out of the equity in your home
• Increasing the term of your mortgage reduces your monthly payment and increases the length of time you make payments and the total amount you pay in interest
• Decreasing the term of your mortgage generally 15 year mortgages have lower interest rates than longer term mortgages and you pay off your loan sooner reducing your total interest costs?the tradeoff is higher monthly payments
• Changing from an ARM to a fixed-rate mortgage
  • Gives you a steady payment and interest rate
  • If you think rates will increase it might be a good idea to consider this
• Getting and ARM with better terms
  • A better interest rate
  • Smaller interest rate adjustments
  • Lower payment caps
• Cash Out
  • Often used for home improvements or pay for education
  • Remember you own less of your home
  • Sometimes used for debt-consolidation
• Rates are typically lower than home equity loans or lines of credit
• Typically costs 3% to 6% of your outstanding principal in fees?application fee, loan origination fee, points, appraisal fee, inspection fee, attorney review/closing fees, homeowner?s insurance, FHA, RDS or VA fees or PMI, title search and title insurance, survey fee and prepayment penalty
• Closing costs

When is refinancing not a good idea?

• When you?ve had your mortgage for a long time?more of your payment is going towards the principal now
• You current mortgage has a prepayment penalty
  • If you are refinancing with the same lender ask if they can waive the penalty
  • Consider the cost of prepayment penalties versus the savings
• You plan to move from your home in the next few years?the monthly savings gained may not exceed the costs of refinancing
  • Lender covers the closing costs, but charges you a higher interest rate for the life of the loan
  • Refinancing fees are included in your loan?they become part of the principal you borrow and you pay them with interest over the life of your loan
• A lower cost solution to refinance a mortgage
• A fast, easy process to refinance
• Shorter terms to pay off your home sooner
• To make major home improvements, consolidate debt, or pay for other large expenses

What is a home improvement loan?

• A Home Improvement Loan is a fixed rate loan that requires no collateral with loan proceeds being used for home improvements.
• It is designed to finance home repairs, remodeling, new roof or windows, new patio or driveway, and more without tapping into home equity.
• Competitive fixed rates, lower than most credit cards, and same day approval

Free/Low Cost Resources:????????????????????????????????????

John H. Boner Community Center Financial Coaching

Bankrate.com

Consumerfinance.gov

Credit Tip of the Week

Before refinancing or taking out a home equity loan or line of credit think about why you need the money and whether or not this is the best way to get it

Word(s) of the Day??? ?????????????????????????????????????

Equity = Wealth?

?

Newsworthy?????

October 31, 2012 11:15 AM ET

WASHINGTON (Reuters) - Applications for home mortgages fell last week as demand for refinancing tumbled for the fourth week in a row, an industry group said on Wednesday, although other recent data has indicated the housing market is improving.

The Mortgage Bankers Association said its seasonally adjusted index of mortgage application activity, which includes both refinancing and home purchase demand, was down 4.8 percent in the week ended Oct 26.

The MBA's seasonally adjusted index of refinancing applications dropped 6 percent, while the gauge of loan requests for home purchases, a leading indicator of home sales, edged up 0.5 percent.

The U.S. Federal Reserve last month helped spur mortgage activity when it announced a third round of so-called quantitative easing to aid the economy, driving down home loan rates and making it more attractive for borrowers to refinance.

Mortgage activity has faded somewhat since that impetus, possibly highlighting a dwindling number of homeowners able to take advantage of lower rates due to weak credit scores, or not enough equity in their homes because of lower house prices.

But one analyst said the mortgage applications numbers can be volatile and he did not think the decline of the last 4 weeks indicated a deterioration in the broader outlook for housing, which has brightened in recent months.

"Overall, the housing data has been favorable," said Daniel Silver at JPMorgan in New York. "New home construction, new home sales - levels are still very weak, but you see growth rates picking up, and it is pretty clear that it is on an upward trend," he said.

The Mortgage Bankers Association said that the refinance share of total mortgage activity slipped to 80 percent of applications from 81 percent.

Fixed 30-year mortgage rates averaged 3.65 percent in the week, up 2 basis points from 3.63 percent the week before.

The survey covers over 75 percent of U.S. retail residential mortgage applications, according to MBA.

(Reporting By Alister Bull; Editing by Claudia Parsons)

(c) Copyright Thomson Reuters 2012. Check for restrictions at: http://about.reuters.com/fulllegal.asp

Source: http://mystarhelp.typepad.com/mystar-credit-counseling/2012/11/mortgage-refinancing-credit-counseling.html

nfl mvp lana del rey snl performance nick diaz sheryl sandberg superbowl recipes super bowl kick off chili recipes

Martial Artist Fighter Trains for Next Round in the Cage - Half Moon ...

Sam Temko, 27, knows how to roll with the punches in life and in the cage.

When his mixed martial arts (MMA) fight scheduled for last Saturday, Nov. 10, in Santa Cruz was cancelled just days before the event because promoters were unable to solidify an opponent ? after months and months of intensive training ? Temko withstood the blow of disappointment and accepted the news that was dealt to him.

?I will continue to train hard and stay ready because with or without a fight, I am still a martial artist and have a lot of learning left to do,? he said. ?I have to roll with it, stay ready for whatever comes my way and take the next opportunity when I land one.?

MMA is a full contact combat sport that allows the use of both striking and grappling techniques, both standing and on the ground, from a variety of other sports such as Brazilian Jiu-Jitsu, wrestling, Muay Thai, and Taekwondo.

Last weekend's Showdown in Surftown fight at the Santa Cruz Civic Auditorium would have been Temko?s seventh fight. The mixed martial artist with a background in wrestling and Brazilian Jiu-Jitsu says he was looking forward to returning back to the cage on Nov. 10 to showcase his skills after not competing for a year.

His first two MMA cage fights were at Blue Lake Casino in Humboldt County. ?I finished both of those fights in the first round with a move called the rear naked choked or ?Mata Leon,? which in Portuguese basically means lion killer,? he said.

His third fight was at Cal Poly, SLO in the "fight for wrestling" charity event. ?This fight I also won by rear naked choke in the first round,? he said. ?

Temko?s fourth fight was at Kezar Pavilion in San Francisco in the Dragon House Six event. ?This fight I won in the first round by technical knockout due to ground and pound,? he said.

Ground-and-pound is a strategy consisting of taking an opponent to the ground using a takedown or throw, obtaining a top, or dominant position, and then striking the opponent, primarily with fists and elbows. A technical knockout is declared when the referee, official ring physician, the fighter, or the fighter's cornermen decide that a fighter cannot safely continue the match.

The fifth fight was in Richmond at the Rocktagon Promotion, and he won this fight in the first round by rear naked choke as well. The sixth fight was the main event fight at the Havok at Harley event in Carson City, NV, ?which I won in the first round by technical knockout due to ground and pound,? he said.

Temko?s official amateur MMA record is 6-0, and he?s managed to finish all six bouts in the first round.

Still, winning for him has no significant reward other than ?a new victory on my record and the pride and feeling of satisfaction from knowing my hard work, discipline, and sacrifice was worth it,? he said.

Since the Santa Cruz fight was cancelled last week, Temko says he?s open to the idea of fighting amateur again, but really wants to focus his energy on obtaining a professional fight. ?

He is working on earning his black belt in Brazilian Jiu-Jitsu under trainer Raul Castillo on Main Street in Half Moon Bay at Raul Castillo Martial Arts. ?

?Raul is the best trainer for me because he is not only extremely knowledgeable and technical in the gentle art, but he also competes with success at the highest levels of Brazilian Jiu-Jitsu, which makes him a great training partner as well as an excellent technique instructor," he said.

Temko?s been practicing for more than nine years with Castillo and holds the rank of first degree brown belt. Other than his black belt, his goal is to break into the professional fight scene as soon as possible. ?

The Half Moon Bay native began his interest in martial arts starting from a young age when he was at Farallone View Elementary School. He took karate at 7 years old, but it wasn?t until high school wrestling that he really developed a passion for hard work, discipline and that desire to succeed and excel in the sport.

After graduating Half Moon Bay High School in 2003, Temko went on to wrestle at Cal Poly, graduating in 2008 with a degree in business administration and accounting.

As a fighter, Temko describes himself as ?versatile, relentless, and explosive.?

?I have thankfully never been seriously injured in any MMA events,? he said.

Still, his younger sister and mother are ?supportive of my desire to be a fighter but they choose not to attend my bouts to avoid any of the violence that is inherent to hand-to-hand combat,? said Temko.

His dad, former harbormaster Dan Temko, on the other hand, attends all of his fights.

?I attribute a large amount of my success to his support and commitment to helping me achieve the training and resources necessary for my development as a martial artist,? said Temko.

In between training, Temko works full-time at the Ritz-Carlton, serving and bartending. His workouts with Castillo are intense and focus on judo, Brazilian Jiu-Jitsu, mainly a grappling art similar to lifting weights to control your opponent, explains Temko.

?I used to lift a lot of weights when wrestling but now that I'm doing mixed martial arts, you have to sacrifice to put extra time in other styles of fighting,? he said.

Temko also goes up to San Francisco once a week for kickboxing and Muay Thai with Kenya Prach for a more cardio and aerobic workout.

?There?s a lot of hard work in the months and weeks leading up to the fight,? said Temko.

This includes dieting and making the weight requirements, in this case 170 pounds. Days before the fight are spent resting and honing a mental focus and game plan ?about how I want the fight to go,? he said.

Working out with extra layers on and spending time in the steam room and sauna to sweat out a couple pounds before fight day are also part of the training.

Temko figures he?s got another 10 years in him to do this.

And until promoters find him the next fight, ? I guess I just have to roll with the punches that life throws at me,? he said, ?and stay ready for whatever comes next.?

Follow us on Twitter here | Like Half Moon Bay Patch here | Sign up for our daily newsletter | Blog for Half Moon Bay Patch here

Follow Pacifica Patch on Twitter?|?Like us on Facebook?|?Sign up for our daily newsletter?|?Blog for us

Source: http://halfmoonbay.patch.com/articles/martial-artist-fighter-trains-for-next-round-in-the-cage

chris carter superbowl 2012 kickoff time what time is the super bowl 2012 nfl mvp lana del rey snl performance nick diaz sheryl sandberg

Jay-Z & Coldplay To Rock New York&#39;s Barclays Center On New ...

Jay-Z will be joining his British pals?Coldplay for a co-headlining show to ring in the new year at Brooklyn?s Barclays Center on December 31.?The two superstar acts have collaborated in the studio and have teamed up on stage twice before ? once for a New Year?s Eve show in Las Vegas in 2010, and more recently at the 2012 Paralympic Games Closing Ceremony, along with Rihanna. Coldplay is also headlining the NYC venue sans Jay-Z the night before, December 30. For Jay-Z, it?ll be his first time performing at the arena since christening it with an eight-show run that began in late September.

[via MTV]

Source: http://idolator.com/7266872/jay-z-coldplay-new-years-eve-barclays-center

Linda McMahon Voting Results 2012 pbs ron paul Cnn Electoral Map roseanne barr guy fawkes

Adopt Website Designing For Strong Online Presence ? TheBitBot ...

To make your business information available to the world which is easily accessible you need to create a website. And for that matter website designing and development is the most viable solution. Design and development are two different categories which has got many tedious tasks after which a website is created.

Designing activities may include logo designing, on page designing, and many others.And development may include programming, coding, software development and other technical tasks. Many a million people are entering the competitive world and the competition is getting tougher day by day. With the help of a professional website designing you can improve the overall image of the business.

A great website which has got complete information about the products and services the company is rendering will attract number of visitors towards it. There are a lot of elements that needs serious attention by the designers. Easy navigation is one of them, if you give your users a great platform on which it is not difficult to seek out the imperative information then greater are the chances that your business will gain more and more customers.

You can also incorporate the search engine optimization into the website design so that it will become search engine also. It will not be difficult for the visitors to find you in countless websites.

Through website designing you have to impress the prospects and potential customers coming onto the website and innovative design is answer to it. People prefer the website which has got new and trendy design which is combined beautifully into the landing page, well; we all know that landing pages arethe places where all the magic takes place.

If youlose to impress the prospect then they would move away to some other website which looks god to them. Therefor you have to put all the efforts in to the website making to make it look perfect. Combine the motivational images making them search engine friendly and animated files at the front of the web page telling the business objectives and goals.

While you include the animations in the website remember that those files should load easily. It is big disappointment to the customers if the site does not load immediately. To create animated files you can use HTML 5 instead of Flash. This way it will be easy to create a groundbreaking file which uploads rapidly. Customers do not like delays no matter they make purchase or not but delays by the company would be a turn off point.

Similarly, while you are carrying out the website designing try to make the design responsive to give your customers convenience. You must be wondering what a responsive design is, well, a responsive design willadjust to the screen size of the visitor and give the best shot display to them. Nowadays, people are using smart phones and iPad to use internet. Create a great website to generate more traffic and more revenue.

WebDesignCC is a company which provides the services of website designing, website development and SEO (Search Engine Optimization).
For more information visit http://www.webdesigncc.com/

?

Last Posts By webdesigncc

Republish this article ONLY using the following HTML (Unchanged as per our T.O.S.):
<p>To make your business information available to the world which is easily accessible you need to create a website. And for that matter website designing and development is the most viable solution. Design and development are two different categories which has got many tedious tasks after which a website is created.</p> <p>Designing activities may include logo designing, on page designing, and many others.And development may include programming, coding, software development and other technical tasks. Many a million people are entering the competitive world and the competition is getting tougher day by day. With the help of a professional website designing<strong> </strong>you can improve the overall image of the business.</p> <p>A great website which has got complete information about the products and services the company is rendering will attract number of visitors towards it. There are a lot of elements that needs serious attention by the designers. Easy navigation is one of them, if you give your users a great platform on which it is not difficult to seek out the imperative information then greater are the chances that your business will gain more and more customers.</p> <p>You can also incorporate the search engine optimization into the website design so that it will become search engine also. It will not be difficult for the visitors to find you in countless websites.</p> <p>Through website designing you have to impress the prospects and potential customers coming onto the website and innovative design is answer to it. People prefer the website which has got new and trendy design which is combined beautifully into the landing page, well; we all know that landing pages arethe places where all the magic takes place.</p> <p>If youlose to impress the prospect then they would move away to some other website which looks god to them. Therefor you have to put all the efforts in to the website making to make it look perfect. Combine the motivational images making them search engine friendly and animated files at the front of the web page telling the business objectives and goals.</p> <p>While you include the animations in the website remember that those files should load easily. It is big disappointment to the customers if the site does not load immediately. To create animated files you can use HTML 5 instead of Flash. This way it will be easy to create a groundbreaking file which uploads rapidly. Customers do not like delays no matter they make purchase or not but delays by the company would be a turn off point.</p> <p>Similarly, while you are carrying out the website designing<strong> </strong>try to make the design responsive to give your customers convenience. You must be wondering what a responsive design is, well, a responsive design willadjust to the screen size of the visitor and give the best shot display to them. Nowadays, people are using smart phones and iPad to use internet. Create a great website to generate more traffic and more revenue.</p> <img alt="" src="http://0.gravatar.com/avatar/684ce93f63daba00fd2e2ab933e25fc2?s=75&d=&r=G" class="avatar avatar-75 photo" height="75" width="75" /> <p>WebDesignCC is a company which provides the services of website designing, website development and SEO (Search Engine Optimization).<br />For more information visit http://www.webdesigncc.com/</p> <p><img title="Facebook" src="http://thebitbot.com/wp-content/plugins/custom-about-author/images/social_media/facebook.png" alt="Facebook" border="0" />?</p> <h3>Last Posts By webdesigncc</h3><p>Source: Adopt Website Designing For Strong Online Presence</p> <p>[ Link to this article ] [ Republish this article ] [ Read Comments ] [ Comment on this article ]</p>

Source: http://thebitbot.com/web-design/2012/11/adopt-website-designing-for-strong-online-presence/?utm_source=rss&utm_medium=rss&utm_campaign=adopt-website-designing-for-strong-online-presence

mitt romney mark zuckerberg mark zuckerberg maurice jones drew Yash Chopra George McGovern green bay packers