Source: http://feedproxy.google.com/~r/GearFactor/~3/yjGuUDr6Kxo/
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Friday, August 31, 2012
Samsung?s Massive Galaxy Note II and Android-Powered Galaxy Camera Debut
Samsung's Galaxy Note II smartphone is the company's biggest and most powerful smartphone yet.
Thursday, August 30, 2012
DigitalKoans ? Blog Archive ? "Digital Copyright, 'Fair Access' and ...
Nicolo Zingales has published "Digital Copyright, 'Fair Access' and the Problem of DRM Misuse" in the Intellectual Property & Technology Forum & Journal at Boston College Law School.
Here's an excerpt:
This article points out one of the ways the development of these new technologies has altered the boundaries of copyright, specifically by enabling copyright holders to strategically expand the scope of protection through the strategic use of Digital Rights Management (hereinafter, DRM). After a brief overview of these technologies and their contribution to the development of online markets for copyrighted works, the article discusses the risks of using DRM as a means of stretching the legal protection conferred by Intellectual Property law.
As a potential solution to such problem, the article looks at the role of the courts and the approach embraced vis a vis specific cases of abuse of DRM in the copyright context. . . . The article then concludes recommending a two-fold approach to the assessment of the legality of such practices, where antitrust analysis and IP principles are intermingled, proposing a legal test to facilitate this complex assessment.
| Reviews of Digital Scholarship Publications | Digital Scholarship |
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Wednesday, August 29, 2012
#accountability #bodybeast #beachbody #cleanse ... - Healthy Living...
Source: http://con-workouts.blogspot.com/2012/08/accountability-bodybeast-beachbody_27.html
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Tuesday, August 28, 2012
Cyborg Tissue Acts as Smart Scaffolding at a Cellular Level [Biotechnology]
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Tuesday, August 21, 2012
Investigators Still Searching For Clues in Deadly Pompano Beach ...
A 28-year-old Connecticut woman plummeted to her death while parasailing in Pompano Beach when the harness that attached her to the sail failed. The woman was riding tandem with her 31-year-old husband when she dropped some 200 feet into the ocean. After being rushed to Broward Health North, she was pronounced dead.
Investigators from the Florida Fish and Wildlife Conservation, the U.S Coast Guard and the National Transportation Safety Board (NTSB) are looking into the tragic accident, which once again has spurred lawmakers and government leaders to call for oversight of an industry that is virtually unregulated.
According to The Miami Herald, all you need to operate a parasailing business in Florida is a boat, insurance, a licensed boat captain, and some equipment. There are no federal or state laws that govern parasailing, no inspections, and no special training required for parasail operators. Experts suspect that either harness malfunction or operator error caused this deadly accident.
The Mayor of Pompano Beach said that he called for lawmakers to enact parasailing regulations after an accident took the life of a 15-year-old girl in 2007, but claims his efforts ?fell on deaf ears.? One legislative insider blamed the dearth of any parasailing regulations on lawmakers connected to the tourism industry and on those who believe that any directives would be ?too much government.?
Sadly, the victim had called her father the morning of the accident, expressing how excited she was to go on her first parasailing excursion. ?It was the last time I spoke to her,? he told the Miami Herald.
The death of a family member is agonizing. The grief you feel can be compounded if you know that the death was caused by another?s negligence and could have been avoided. The Pompano Beach fatal boating accident attorneys at Farah & Farah have 25 years of experience helping people who have lost loved ones and don?t know where to turn. Call us at (800) 533-3555 to discuss your legal options today. We?re here to help.
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Why you must have local seo for your online business? - PDF
SEARCH ENGINE OPTIMIZATION LOCALLY
NEED OF LOCAL SEO
Many people don't have a clue about SEO and this can cause
their business loose a chance to get better than the current
condition.
STARTING LOCAL SEO
When you start a business and launch a website then you
must know how to get visitors to your website.
WHY LOCAL SEO?
Many people who have a least knowledge in Google ranking
that it is necessary to do search engine optimization targeting
the website to get ranking but they don't know that if you
are targeting local business then you must do local SEO to
survive the competition.
HIRING SOMEONE HOW CAN
There are lots of information in the internet. But so much
information out there can just make you confused. There is so
much things to do and so much things to think of.
TARGETS IN LOCAL SEO
Your first goal is to target your local customers. You must
think of ways to bring organic traffic to your website. Local
SEO targets people who are near your neighborhood.
COMPETITION IN LOCAL SEO
Since there are also people who have same business as yours in a same
area. But it is likely to be less and even if there are they might not be
doing local SEO. That's the advantage you should take soon.
Conclusion
The most important thing you need to do to hire someone
who is experienced in the business.
THANKS FOR WATCHING
For testimonials please visit http://www.gtslinkbuilding.com/testimonials
NEED OF LOCAL SEO
Many people don't have a clue about SEO and this can cause
their business loose a chance to get better than the current
condition.
Now things have changed a lot in the internet. With growing
online business you have lots and lots of competition to face.
If you don't do anything about it then you could lose your
business
STARTING LOCAL SEO
When you start a business and launch a website then you
must know how to get visitors to your website.
If you don't know then you must get someone who knows
how to do local SEO because your website needs
optimizations in order to get ranked based on your niche.
WHY LOCAL SEO?
Many people who have a least knowledge in Google ranking
that it is necessary to do search engine optimization targeting
the website to get ranking but they don't know that if you
are targeting local business then you must do local SEO to
survive the competition.
HIRING SOMEONE HOW CAN
There are lots of information in the internet. But so much
information out there can just make you confused. There is so
much things to do and so much things to think of.
One small mistake can lose your website ranking. This can
happen within days. Yes! This can happen within few days if
you are not careful with your SEO.
TARGETS IN LOCAL SEO
Your first goal is to target your local customers. You must
think of ways to bring organic traffic to your website. Local
SEO targets people who are near your neighborhood.
For Example
Say if you live around Beverley Hills and you run a limousine rental service. You got
to have a website which should target customers from that area. So this you can
achieve by targeting specific areas with the help of local SEO.
COMPETITION IN LOCAL SEO
Since there are also people who have same business as yours in a same
area. But it is likely to be less and even if there are they might not be
doing local SEO. That's the advantage you should take soon.
Getting your website ranked in Google local search is extremely
important if you really want to earn more revenues. When you hire
some local SEO service company then you are able to market your
website even better. The more visitors you get the more potential
customers they become and finally, sales.
Conclusion
The most important thing you need to do to hire someone
who is experienced in the business.
If you can't do it yourself, which you are recommended, it is
better who can understand your goal and knows how to
achieve it by applying strategic plans.
THANKS FOR WATCHING
For testimonials please visit http://www.gtslinkbuilding.com/testimonials
Source: http://pdfcast.org/pdf/why-you-must-have-local-seo-for-your-online-business
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Monday, August 20, 2012
The Life Power and How To Use It > Free Classic Ebook - Free ...
Free Self Improvement Classic ebook ?The Life Power and How To Use It? by Elizabeth Towne includes topics such as Three-Fold Being, Soul-Mind and Body, The Substance of Things, The Spirit and the Individual, Spirit the Breath of Life, Duty and Love, Concerning Vibrations and much more in this 95 page ebook. Free ebook comes with give away rights. Click ?The Life Power and How To Use It? to download (1 MB pdf) or view this free Self Improvement ebook. Download pdf & ecover HERE.
Source: http://free-ebooks-canada.com/?p=5631
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StyleDish: Minnie Mouse Is Coming To London Fashion Week!
Sorry, Readability was unable to parse this page for content.
Source: http://www.styleite.com/media/styledish-08182012/
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Sunday, August 19, 2012
phoneblog: Liverpool International Food and Drink Festival
Sorry, Readability was unable to parse this page for content.
Source: http://phoneseblog.blogspot.com/2012/08/liverpool-international-food-and-drink.html
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Need Home Interior Ideas? Read On For Some Easy Tips. | Tourism ...
If you have shabby, out of date looking kitchen appliances, consider painting them. There are new appliance paints on the market that can change white to silver or silver to black, depending on your taste. You can find them in most hardware stores. This is an easy way to update your kitchen without spending a lot on new appliances.
They saying ?less is more? could not be more true when it comes to interior design. Rather than filling your room up with lots of different pieces, you would be better served to choose fewer pieces that complement each other beautifully. This way you avoid giving your room a cluttered look.
Make sure that you try to add as many accessories as you can to outfit the different rooms in your house. These can include lamps, colored fruits or different ceramic pieces that go along with the theme and color scheme in your house. Accessories are both fun and can inject energy into your design.
When starting to plan your home improvement project you should think about what areas you can save money. If you can create your project under budget, that will leave you with money to work on another space in your home, or to use somewhere else. Remember that expensive does not necessarily mean better.
You can dramatically increase your interior design options during your next home improvement project by wiring one of the outlets in a duplex wall socket to a light switch. This will let you use a table or floor lamp to light the room while still having the convenience of a wall-mounted light switch.
If you always have interior design in mind when you shop, always have fabric or color samples in your purse or glove box from the actual room you are decorating. A small swatch representing the basic color scheme or pattern from your home will ensure that everything you purchase will coordinate perfectly!
Artwork is the finishing touch to any design project. For the best results, hang your artwork at an eye level. Be sure to choose pieces with subject matter that complements the theme of the room and enhances the desired mood to create an interior design that flows effortlessly from a piece to piece.
Try to match the interior design of your home with the style that you and your husband prefer. This is going to be the place where you spend the most time in your life, so you will want to feel comfortable at all times to help reduce stress during the day.
Create some elegance in a room using sconces for lighting. The dim light that comes from a sconce is considered to be fancy and romantic. You can also get them in a variety of shapes, colors, and designs so that they will fit in perfectly with the theme of your room.
Make creative use of pillows and rugs. These are inexpensive and can change the attitude of a room very quickly. Play with different textures, colors, and prints to see what suits you best. The best thing about pillows and rugs is that you can move them to another room when you want a different look.
Be a design copycat. If you are having trouble coming up with a design idea, look through magazines, catalogs, and on the internet for inspriation. When you find a design you love, just copy everything they?ve done. Find paint colors, furniture, and accessories that correspond to the picture. This will take the stress out of coming up with a new design and it guarantees that you?ll end up with a designer look.
As you can see from the above article, you don?t have to be someone with a lot of creativity in order to make your home stand out. Interior design is rather simple when you have a few good tips to follow. Incorporate the information you learned today and use it in your own home to give yourself an exciting new place to live.
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Saturday, August 18, 2012
David Tisch Steps Down From Managing Director Role At TechStars
David Tisch, the well known New York City-based seed investor and advisor, is stepping down from his role as Managing Director of the TechStars startup accelerator. Tisch has been with TechStars since 2010, when he co-founded the program's New York city location.Source: http://feedproxy.google.com/~r/Techcrunch/~3/UGX2dmEjgaM/
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Texas jury awards nearly $1M to West Nile victim
Associated Press
Posted on August 17, 2012 at 7:31 AM
CUERO, Texas (AP) ? A Texas jury has awarded nearly $1 million to a Union Pacific worker who sued the railroad after claiming he was infected with West Nile virus while on the job.
A DeWitt County jury on Thursday found Union Pacific partially liable for Billy Nami contracting the virus in 2008. His attorney, Michael Sheppard, says Nami was sent to work in a grassy, swampy area along the Texas coast swarming with bugs after Hurricane Ike.
Sheppard says Nami was never warned about the presence of West Nile and wasn't given repellant. Sheppard says jurors assigned 80 percent of the negligence to Union Pacific.
The jury awarded the 62-year-old Nami $980,000 in damages.
Union Pacific spokeswoman Raquel Espinoza said the Omaha, Neb.-based railroad was disappointed by the verdict and plans to appeal.
Source: http://www.wfaa.com/news/local/166476916.html
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Friday, August 17, 2012
Critics Consensus: The Expendables 2 Is (Mostly) Big, Dumb Fun
Plus, ParaNorman is Certified Fresh, The Odd Life of Timothy Green is sweet but weird, and Sparkle is predictable but strong.
Also opening this week in limited release:
- Compliance, a thriller about a fast food restaurant employee who gets into deep trouble after being accused of a crime she didn't commit, is at 94 percent.
- Side by Side, a documentary about advances in digital filmmaking narrated by Keanu Reeves, is at 92 percent.
- Robot & Frank, starring Frank Langella and Susan Sarandon in a sci-fi comedy about an older man who teaches a humanoid robot how to steal, is at 88 percent.
- Chicken with Plums, a dramedy about a great musician who reflects on his life after breaking his prized violin, is at 81 percent.
- The Awakening, starring Rebecca Hall and Dominic West in a period horror film about a woman who investigates the appearance of a ghost at a boys' school, is at 67 percent.
- David Cronenberg's Cosmopolis, starring Robert Pattinson as a young billionaire who takes a wild trek across Manhattan, is at 65 percent.
- Beloved, starring Catherine Deneuve and Ludivine Sagnier in a decade-spanning musical about the love lives of two Parisian women, is at 64 percent.
- Why Stop Now, starring Jesse Eisenberg and Melissa Leo in a dramedy about a pianist who must take his mother to rehab before his big audition, is at 36 percent.
Source: http://www.rottentomatoes.com/m/1925742/news/1925742/
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Microsoft's Commitment to The Architecture, Engineering and ...
Microsoft?s Commitment to The Architecture, Engineering and Construction Industry
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As the U.S. Director of Service Industries within the Microsoft Dynamics Business Unit, I am frequently asked to explain Microsoft?s commitment to the Architecture, Engineering and Construction (AEC) industry. I love this request! We have arrived at a point whereby a number of key pieces to Microsoft?s industry strategy have fallen firmly into place creating what I believe to be the strongest enterprise solution footprint in the market today. Below is evidence that, when stacked together, frames our AEC commitment and offering, something unmatched in the market.
- Research and Development ? Microsoft currently invests $9.5B annually in research and development across the business, making it one of the largest firms on the planet in terms of a financial commitment to R&D. And the Microsoft Dynamics business unit remains a key area of investment.
- Microsoft Dynamics Industry Focus ? Within Microsoft Dynamics, we are aggressively investing in six key industries: Service Industries (Professional Services, AEC & Media and Entertainment), Retail, Manufacturing, Public Sector, Financial Services and Distribution & Consumer Goods. Within AEC we have built solutions to address the business process challenges of Architects, Engineers, General Contractors, Specialty Contractors, Heavy Highway and Civil Engineering and Homebuilding.
- Dedicated R&D Industry Team ? There is a dedicated team within R&D charged with building out industry specific functionality and a roadmap for the Service Industries, including AEC. Furthermore there are dedicated resources charged with looking 5 -10 years into the future for large market trends that will impact this industry and how we can prepare now to address them.
- Dedicated Partners and Partner Management Team ? There are a number of partners who have built their business around delivering Microsoft Dynamics to AEC firms and they are vitally important to Microsoft?s industry strategy. Given the importance of these partners we have partner account managers in place to ensure alignment between these partners and Microsoft R&D, Marketing and Business Development.
- Industry Specific Partner Solutions (CfMD) ? We often work with partners to build very unique software features that extend our code-base. In other words these solutions are built right into the code-base of our Microsoft Dynamics solutions eliminating the need for costly integration services, such as software to manage the rental of equipment. To ensure these solutions are of the highest quality we require these partners certify their solutions through the Certified for Microsoft Dynamics (CfMD) program.
- Dedicated Marketing & Business Development Teams ? We continue to invest in marketing programs and resources across the country for this industry to help explain our AEC offerings and what truly differentiates Microsoft.
- Key AEC Solution Differentiators
- Powerful ? Our solutions have been built specifically for the AEC industry taking into consideration the various roles within a firm as well as the need to support a truly dispersed organization with multi-company, multi-currency and regulatory compliance. And we can?t forget the fact that our solutions have been specifically designed to integrate with other Microsoft products to allow you to take advantage of your current Microsoft investment. This includes Microsoft Outlook, Word, Excel, PowerPoint, SharePoint, Lync and SQL Server.
- Agile ? We realize that change is constant within every AEC firm, albeit through a restructuring, acquisition or other socioeconomic event. As a result, we know the solution you deploy today will likely not be the solution you need in the future. Therefore we have made our solutions as flexible as possible giving customers the ability to easily modify the solution through configurations and workflow. This flexibility also extends to deployment options either on premise or in the cloud. No longer should AEC firms have to live with inflexible software which is analogous to ?pouring digital concrete? never to be moved again or at substantial financial cost.
- Simple ? the number one impediment to the success of any software deployment ultimately rests with user adoption. For this reason we architected our solutions to have the same look and feel as the other Microsoft Office products many people are already using. In doing so we have dramatically reduced the learning curve and shortened the time to user productivity.
- Mobility ? Given the fact that AEC firms spend quite a bit of time with clients and on the jobsite it is important to understand Microsoft?s strategy around mobility. Simply put, we support both Window-based devices for mobility as well as other environments, like Droid and Apple. For example, you can access Microsoft Dynamics via an iPad if that happens to be your chosen device. Also, with the coming release of Windows 8 Microsoft Dynamics will now run across multiple devices ? phone, tablet or laptop -without any additional coding required.
We?ve just covered quite a bit and I would like to reiterate a few key points.
First, Microsoft is absolutely focused on the AEC industry and is aggressively investing in this industry through industry-focused roadmaps and other resources.
Second, we believe in providing customers with a choice which includes supporting multiple environments for mobility and solution deployment options like on premises, in the cloud or a hybrid of both.
Third, many companies today already own a number of Microsoft products, so where relevant we have integrated those products, like Microsoft Office and SharePoint with our AEC solutions.
Lastly, we know user adoption is a major barrier to realizing the full value of a business solution investment so we have developed our solutions to have the same look and feel as our familiar Microsoft Office products.
To learn more about Microsoft?s Dynamics for the AEC industry click here.
About Ted Kempf
Ted has over 15 years of experience researching, developing and advising firms on project-based ERP and CRM solutions designed for professional services, architecture, engineering and construction (AEC) and media and entertainment companies. Over the course of his career, he held positions at Gartner as a Principal Analyst focused on Professional Services Automation (PSA) solutions, at Oracle as a Senior Director in charge of marketing Oracle?s business solutions for the Professional Services and Engineering and Construction industries globally and at Deltek as Vice President of Product Marketing and Strategy for the Vision product line focused on the global Architecture and Engineering markets. At Microsoft, Ted is responsible for developing and managing the execution of Microsoft Dynamics ERP and CRM strategy for the Professional Services, AEC and Media and Entertainment industries in the United States. Ted and his amazing wife are the proud parents of two wonderful girls and currently reside in Des Moines, IA. When not working, you can find Ted running, swimming, biking or traveling with the family. He is also very engaged in his daughter?s education and in supporting Above + Beyond Cancer.org. Ted can be reached at edwardk@microsoft.com. View all posts by Ted Kempf ??
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Thursday, August 16, 2012
You Can Learn A Lot About Investing Just By Hitting The Gym ...
If you go to the gym, you already know that there is a lot more that goes on there than pushing weights and sweating buckets.?
But what you may not realize is that you can learn a great deal about investing by simply observing what goes on with all the Iron Men and Women surrounding you.? Here are 7 of the most important secrets I picked up at my local sports center:
1.Get the Right Job Done
Many people go to the gym because they want to work out and stay healthy.? But sometimes it seems like most of the people are there to socialize more than sweat. ?
While investing isn?t really a social activity, it often morphs into something other than a way to build and maintain wealth.
Do you ever invest in something because it?s exciting or because your friends did?? Did you ever invest in something (like Facebook) because you were afraid of being left behind or looking dumb if you didn?t participate?? Did you ever extend a loan to a friend because you wanted to be nice??
Each of us have done some or all of the above (including myself) and they are all mistakes.? When it comes to investing, remember why you are there and what your goals are.? Then, invest accordingly.? You?ll have to work hard at it but endeavor to keep your emotions and your money far apart.
2. Ignore Insider tips & Shortcuts
I remember sitting on my stationary bike or running on the treadmill and listening to the people on my right and left as they shared weight training and weight loss secrets.? Even though I saw lots of people share tips, I rarely heard any two people share the same hush-hush tidbit. ?
Everyone had their own ideas about workout success.? But when it comes to being fit, I don?t think there really are any secrets.? If you want to be healthy it?s a question of energy in vs. energy out.? Diet and Exercise.? Just do it? Simple.?
It?s no different when it comes to money.? In order to build wealth, you have to watch your spending, save well and invest wisely.? Sure there is some learning involved but that?s the easy part. ?
Lack of understanding isn?t what stands in the way of most people?s financial success. It?s the willingness to do the hard work every day that gets us off track.? Many of us look for the short cuts to wealth and when we do so, it usually ends up badly. ?
3. You may not need a gym or personal trainer
Some people do need a gym or trainer to actually work out but not everybody does.? It took me a few years to realize it but I finally understood that I really didn?t need a gym.? I happen to be pretty self-motivate when it comes to exercise (food is another story unfortunately).
Since I mainly used dumb bells and ran, it didn?t cost much to buy everything I needed to work out at home.? More than saving money, I was interested in saving time.? I was spending more time getting to and from the gym than I spent working out and I was tired of it.?
Likewise, you may or may not need a financial advisor.? Not everyone does.? If you do your own research, call your own shots and are happy with the results, why on earth would you need an advisor?? Assess your situation objectively and make sure you really need what you are paying for.?
4. Strategy
When I first joined the gym, I was interested in losing weight.? I worked out like a fiend and became a very fit fat guy.? What I really needed was to focus on my diet.? Hours at the gym were never going to give me the result I needed.
When it comes to investments the same principle applies.? Let?s say your objective is to save for retirement.? This is a long-term objective which requires long-term thinking and long term investments.? If you make risky investments in search of a quick score, you are barking up the wrong tree.? Speculation is risky.?
If you speculate you are taking on undue risk needlessly.? While it would be nice to make a big score it?s just not that important.? What is important is having enough money to retire when you are ready to do so.? Make sure you invest accordingly.?
5. Make sure you know how to use the equipment
There is nothing worse than seeing someone misuse equipment at the gym.? They risk hurting themselves and others and it?s a frightening spectacle. ?
When you invest, are you certain you know which investments to select and how to use those financial tools? This point is connected of course to the point above about strategy.? Long-term investments like mutual funds and ETFs require a different approach than individual stocks.? Whatever your strategy is, make sure you use the right investments correctly.
6. Results Take Time
Years of working out never got me an invitation to compete in a Mr. Universe contest but it has helped me stay healthier than I otherwise would be. And even the modest results I saw weren?t immediate.? It took a while before I stared seeing benefits from all that pushing and pulling, running and jumping.? There were several times when I thought I was wasting my time and considered giving up. ?
Many people get impatient when it comes to investing too.? This is extremely dangerous because it leads to making risky investments in the hopes of getting quick returns.? Of course speculating doesn?t always lead to big losses ? but given enough time, it does.?
7. Don?t Expect Perfection
?You can?t be an ?animal? every time you suit up and show up.? Some days, you just don?t have the energy and the best you can do is go through the motions.? That?s OK.
When it comes to investing, you have to expect to get it wrong sometimes.? You have to make decisions about a future you don?t have any certainty about.? If you aren?t willing to see your account values decline from time to time, you?ll find it hard to stick with your strategy.? Instead, you?ll jump in and out of the market based on your intuition and feelings.? There is nothing wrong with having a strategy which guides you in and out of the market at different times.? Not everyone needs to ?buy and hold?.? I don?t.
But you must use an investment approach even though it?s imperfect.? And you must understand that no investment approach is perfect.? No matter what you do, there will be times that you?ll be disappointed.? That comes with the territory and you have to be willing to stay at it even though it may not be fun at times.
I learned a great deal about investing from the years I spent schlepping down to the gym.? The main message is that investing, like working out, is not a ?one size fits all? enterprise.? But success is very much dependent on being persistent.? Suit up, show up and do the work.?
Do you think there are other similarities between going to the gym and investing?? What are they?
This guest post was written by Neal Frankle.? He is a CFP in Los Angeles and operates Wealth Pilgrim.com ? an excellent personal finance blog.
Source: http://www.businessinsider.com/7-lessons-i-learned-about-investing-just-by-going-to-the-gym-2012-8
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UK inflation in surprise rise to 2.6 percent
LONDON (AP) ? Official figures show that Britain's benchmark inflation rate unexpectedly rose in July, following a run of declines.
The Office for National Statistics said Tuesday that consumer price inflation rose from 2.4 percent in June to 2.6 percent in July. The market consensus was that inflation would fall to 2.3 percent.
It said airfares, clothing and footwear were largely behind the increase.
The government's official target is to hold consumer price inflation at around 2 percent. The rate has declined from a peak of 5.2 percent in September.
Source: http://news.yahoo.com/uk-inflation-surprise-rise-2-6-percent-084455856--finance.html
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Wednesday, August 15, 2012
Retirement Plan Participants Display Conflicting Investment ...
Spectrem Group?s DC Participant Insight Series 2012: Attitudes and Behaviors of Retirement Plan Participants finds that more than three-quarters (77 percent) of plan participants surveyed are concerned about having enough money set aside to retirement, while 70 percent are concerned about being able to retire as planned. Less than half (42 percent said they fully expect to have sufficient income to live comfortably in their senior years.
But a majority of plan participants are not seeking the advice of plan providers or financial advisors. Fifty-seven percent said they make their own investment decisions, while 28 percent said they only consult with an advisor in the event of a specific need or event, such as saving for college or retirement. Oddly enough, just under four-in-10 across all age levels said they liked to be actively involved in the day-to-day management of their investments. About the same percentage of those up to age 50 say they even enjoy investing and that it is something they do not want to give up.
And yet 46 percent of those surveyed said they are not very knowledgeable regarding finance and investments. Just over one-third (38 percent) said they are fairly knowledgeable. Of those admitting they are lacking in financial and investment knowledge, the highest percentage were under the age of 35. Those between 35-49 were the most likely to consider themselves just fairly knowledgeable.
This perhaps explains why 49 percent of plan participants surveyed described their risk tolerance as moderate. But just over one-quarter (27 percent) said they aggressively seek high returns and are willing to place a significant portion of their investments at risk. This attitude is especially prevalent amongst those ages 35-49, 32 percent of whom describe their risk tolerance as aggressive. Perhaps this age group feels a more urgent need to ?catch-up? due to either losses suffered in the wake of the economic collapse or failure to begin saving early enough to have amassed significant retirement assets.
Women, not surprisingly are much more likely than men to describe their risk tolerance as moderate (57 percent vs. 42 percent), while men are more than twice as likely (36 percent vs. 16 percent) to say they are more aggressive investors (they are also more likely to claim solid financial knowledge).
Also not surprisingly, almost half (49 percent) of those over 50 and up say it is more important that they protect their principal than grow their investments. This is also important to more than one-third (37 percent) of those under 35. But more than four-in-10 of those up to the age of 49 said they are willing to take a significant investment risk on a portion of their investments to earn a higher return.
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About the Author
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Donald Liebenson writes news and features for Millionaire Corner. He has been published in the Chicago Tribune, The Chicago Sun-Times, The Los Angeles Times, Fiscal Times, Entertainment Weekly, Huffington Post, and other outlets. He has also served as a marketing writer for Chicago-based Questar Entertainment and distributor Baker & Taylor.?
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Massive Group Giveaway?50 winners!
The end of summer is drawing to a close, and what better way to go out with a BANG than to have a massive giveaway? We have banded together with some amazing handmade shops and bloggers to offer this giveaway worth nearly $1200!! We want to personally thank Kristen Duke from?KRISTEN DUKE PHOTOGRAPHY for partnering with us on this, what a GIVEAWAY THIS IS. ?The most exciting part? We?ll have 50 winners total! Do you want to see what is up for grabs?!?
1. Orange Blossom 11?14 Frame
2. $100 gift card to Vintage Rose Wraps
3. $75 gift card to Lisa Leonard Designs
4.Bake it Pretty best ever icing kit & decorative liners
5. 2 ($50) gift cards to Hoop-La Earrings & Accessories
6. Love Stitched Statement Necklace
7. Photography books & Mentoring from Kristen Duke
8. Silhouette Rhinestone Starter Kit from The Crafting Chicks
9. Mini Harmonica Necklace from Kid Chatteroo Apps
10. $100 Gift card to Landee See, Landee Do vinyl shop
11. Riley Blake Designs Fat Quarter fabric bundle
12. (3) 11?14 prints from ReStyle Design Prints
13. Camera strap cover & list taker from Knitty Bitties
14. Owl Necklace & craft paints from The Crafting Chicks
15. (10) hair tutorial e-books from My Yellow Sandbox
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Now let us introduce these friends to you. We highly recommend you go check on each of these links, and sign up to enjoy their RSS feed if they have a blog. We?re sure you?ll love them just as much as we do.
Here are the blogs/sites/shops behind the giveaway. In alphabetical order:
Bake it pretty~Sweet Supplies for inspired bakers
Capturing Joy with Kristen Duke~Lifestyle blogger and photographer capturing joy in food, family, home projects. Skype photography mentoring sessions, and her books teach photography to beginners.
Hoop-La Earrings~Intricate, lightweight, and colorful vintagae style earrings and accessories to jazz up any ensemble. Etsy shop.
Kid Chatteroo Apps~Days away from release!!! A fun app that allows you to create and capture the moments that make life sweet. Create conversation with your kids and capture the memories at the same time!
Knitty Bitties~Handmade fabric desings in an array of patterns. She is a girl doing her best to live with joy {and a lot of iced tea} in the everyday. Sewing her heart out and running to eat more dessert. Etsy shop.
Landee See, Landee Do~Your source for all the latest trendy vinyl designs, signs and home d?cor. We are always looking for new and creative ways to use vinyl (such as our quatrefoil backsplash!). We also do custom designs as well, shop here.
Lisa Leonard Designs~creates handmade jewelry and gifts out of her San Luis Obispo workshop. Blog.
Love Stitched~A list making, country music listening, vintage knob collecting, cereal mixing, craft store addict, Friday night jammies and a movie watching craftaholic and organizing fanatic who lets out her creative side with my etsy shop, here for accesories and accents for the home or around town.
My Yellow Sandbox~Fun and easy hair tutorials from Abby, you?ll also find a few beauty tips, crafts, and stories about life as a mother of two.
Orange Blossom Shop~Chunky, fun and adorable frames made from wood and hand painted to perfection.
Restyle~Retro posters, art prints inspired by Scandinavian design for kids, kitchen, and other home decor. Etsy shop.
Riley Blake Designs~Innovative fabric manufacturer with vintage sensibilities and modern attitude. Full of color, vibrant but with restraint, resulting in versatile prints for quilting, clothing, or home d?cor. Shop.
The Crafting Chicks~5 clever & creative gals who love sharing crafts, recipes, and other fun tips and ideas to help inspire you to ?CREATE your life.? They are a blog dedicated to everything DIY, crafts, home decor, and the family.
Vintage Rose Wraps~Elegant, vintage, whimsical, & fun head wraps & belts to add flare to any ensemble. shop. ?HERE
a Rafflecopter giveaway
Source: http://thecraftingchicks.com/2012/08/massive-group-giveaway-50-winners.html
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India's Kumar eyes Rio after wrestling silver | London 2012
India?s Kumar eyes Rio after wrestling silver (via AFP) India?s Sushil Kumar wants to complete his Olympic medal collection by winning gold at the 2016 Games in Rio after taking wrestling silver on the final day of action in London. Defeat by Tatsuhiro Yonemitsu of Japan saw Kumar, the 2010 world champion, add Olympic silver to the bronze he won in Beijing?
Kumar, India, Sushil Kumar, silver, silver medal, shooter vijay kumar, Olympic medal collection, wrestling gold medal, shooter gagan narang, wrestler yogeshwar dutt, great sachin tendulkar, medallist ramazan sahin, boxer mary kom, 10-metre air rifle, star saina nehwal, individual olympic title, Olympic silver, sport, successive olympics, Abhinav Bindra, Tatsuhiro Yonemitsu, bronze medals, south-west delhi, stomach upset, Indian competitor, master batsman, ridiculous allegations, These things, London, good opponents, stomach infection, world champion, opening ceremony, individual sport, gruelling path, Indian wrestling, Japanese man, blood injuries, sports stars, opening contest, freestyle category, greatest prize, semi-final win, new generation, home state, Beijing, podium, Gagan, Vijay, Haryana
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Source: http://www.summerolympicslondon.com/indias-kumar-eyes-rio-after-wrestling-silver/
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Tuesday, August 14, 2012
The Family Leader Hits a Home Run with Inaugural Summit | The ...
The Family Leader organization held its inaugural ?Family Leadership Summit? over the weekend and by all accounts, the event was a rousing success. Luring 2012 Iowa Caucus winner Rick Santorum, 2008 Iowa Caucus winner Mike Huckabee, and Texas Governor Rick Perry to the event was quite a coup. Their presence resulted in a sellout crowd.
Perhaps even more surprising to me was the presence of Iowa Congressman Steve King and U.S. Senator Chuck Grassley. Although they appeal to a lot of the same people, King is not exactly bosom buddies with Bob Vander Plaats, the CEO of The Family Leader. Grassley, often dismissed by the BVP crowd as an ?establishment? Republican, delivered one of the strongest speeches of the entire event.
The Family Leadership Summit received another boost when Fox News made a late decision to air part Mike Huckabee?s weekly Saturday night program live from the event. That was due to Saturday morning?s announcement of Paul Ryan being chosen as Mitt Romney?s running mate. The nationwide publicity was another nice benefit for Vander Plaats? group.
Here are some of my thoughts on event:
Unanimous Praise for Paul Ryan: All the featured speakers heaped praise on the vice-presidential hopeful. That?s not really a surprise. Ryan is beloved by grassroots conservatives and people like Steve King and Rick Santorum worked with Paul Ryan in Congress. They all obviously think very highly of the Wisconsin congressman.
Promoting Mitt Romney: Several speakers encouraged the crowd to get behind Mitt Romney. Some social conservatives in Iowa are having a hard time warming up to the GOP nominee-to-be, but Saturday?s event might have helped allay some of those fears.
Production Values: The Family Leader scores an A-plus for this. They put in a lot of effort into making the event look good. During each speech, pictures of the person at the podium were displayed on two of the large screens above the stage. It was a nice touch that greatly enhanced the visual aspect of the event. The package introducing the ?Vote No on Wiggins? announcement was also very interesting and well-produced. Nice job to all involved.
Most Interesting Speech: I thought best-selling author Joel C. Rosenberg delivered a fascinating speech. It was funny, intriguing and thought-provoking. To hear how this man of Jewish ancestry became an evangelical Christian was extremely interesting. Rosenberg?s speech made me want to go buy some of his books, which was probably part of his goal.
Strongest Speech: Surprisingly, it came from Senator Chuck Grassley. Never a master of oratory skills, Grassley served up a huge helping of conservative red meat. For this audience, it was the perfect speech:
?We tend to be apologizing too often. And I?ve come to the conclusion that I?m not going to be apologizing about the exceptionalism of America. I?m not going to apologize about the constitutional basis for America. Because if you have a living constitution, you have a dead constitution because if it?s always that?s always evolving, it?s a constitution that makes Congress and the president supreme and not the Constitution of the United States, the supreme law of the land.?
?Some basics that we must emphasize: Life begins at conception, without apology. Gun ownership is a fundamental right, without apology. Choice in education ought to be a right of any parent, without apology. Freedom of religion, yes. Secularism, no. Without apology. And any minister ought to be able to say from the pulpit in a constitutional way, and not violating IRS rules, to say anything and do anything that Jesse Jackson can do from the pulpit, without apology. We deserve ballot credibility. Voter ID, without apology. We do not have to apologize for America supporting Israel.?
There was more. And it was very good.
Most Provocative Statement: ?The mark of the beast is not going to be 666, it?s going to be a rainbow.? ? Jan Mickelson, WHO radio host, during a media panel
Funniest Line: ?I was the frontrunner in the presidential campaign. I told some folks earlier today out at the state fair, it was one of the most exhilarating three hours of my life?? ? Rick Perry
The ?Vote No on Wiggins? Campaign:?It?s no surprise that Vander Plaats would again take the reigns on an effort to oust one of the Supreme Court justices who thrust gay marriage on the state. He assembled a strong team again, including our new RNC National Committeewoman Tamara Scott and longtime activist Chuck Laudner, who played a crucial role behind the scenes two years ago. Rick Santorum also pledge to assist in the effort. They?ve got the right people in place to make it work, but it will be a more difficult fight this year.
Biggest Applause: By far, that was for Mike Huckabee when he was introduced. This crowd absolutely loved the 2008 Iowa Caucus winner.
Former presidential candidates: I thought all three delivered pretty good speeches. Not surprisingly, Rick Perry?s was the worst of the three. He?s just not a strong public speaker. Mike Huckabee?s was more of a Sunday sermon than a political speech, but it was well done. Santorum just shredded Obama?s recent policies, which subverted our Constitution.
Overall: There are plans to make this summit an annual event. The Family Leader will be hard-pressed to top the inaugural one.
Photo by Dave Davidson, Prezography.com
Source: http://theiowarepublican.com/2012/the-family-leader-hits-a-home-run-with-inaugural-summit/
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American Shorthair - Destiny - Medium - Baby - Female - Cat Waseca
American Shorthair - Destiny - Medium - Baby - Female - Cat
Destiny was a stray and now is in foster care. She has had her first round of kitten shots and will need boosters and will be spayed when old enough. She is very playful and currently lives with Jewel in the same foster home. They get along great. Dezi also gets along with the other two house cats and small house dogs. Dezi is a good eater and uses the litter box like a "big cat" Sweet, sweet kitten that cuddles and much as plays. Consider her for your next pet. Please contact 1 (507) 461-3205 or email [email removed]. Please allow 3 days for a volunteer to get back to you. All animals live in foster homes. If you can't adopt please sponsor one of our pets. Remember adopting a pet will allow us to take in another pet in need!
CHARACTERISTICS:
Breed: American Shorthair
Size: Medium
Petfinder ID: 23712358
CONTACT:
Waseca County Animal Humane Society | Waseca, MN | 507-201-7287
For additional information, reply to this ad or see: http://www.petfinder.com/petnote/displaypet.cgi?petid=23712358
Brought to you by Petfinder.com
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Monday, August 13, 2012
teaching mathematics, math tutor - Mindresearch can make your kid ...
While everyone has a favorite subject and wants to pursue that in career, there are usually fewer candidates who are found to be fond of mathematics. In various countries across the world, math phobia is common in teens and kids, irrespective of class and gender. While our kid may not pursue a career in math, it would be good to help him or her win the phobia on the subject. No matter which profession a person wants to shine in, mathematical skills help anyone in life in long run. Earlier, relying on personal tutors and reference books on math was the only option for people. However, with advent of technology and spared of internet you have more options.
Owing to increasing work load, demanding profession and similar compulsions, a lot of parents do not have any time for teaching mathematics to their kids personally. This is where online math teaching programs can come in handy. Nowadays, a lot of parents are opting for online math tutor programs to ensure their kids do not suffer in math skills and lessons. As a matter of fact, kids of this generation are computer and internet savvy. They spend a lot of time online anyway. So a web based math teaching program can be best for their needs.
However, there are some factors that you need to keep in mind when you search for online math tutor programs for your children. First of all, you need to find out credibility of the company that is offering math lessons and teaching modules online. You can look in the websites offering such programs for girls and boys belonging to various standards. It is important that such a company has course module that adheres to educational standards of your region and schools.
You need to see what approach these companies use for teaching mathematics online. While some of them may offer online lessons through interactive sessions, there are some others that may need you to install specific applications in computer and run it to access their website and services. However, a purely web based teaching method is better as it lets your kids access lessons and online resources literally from any computer with internet connectivity.
Before enrolling your kids for any of their packages, you need o resolve any queries you may have. You can ask for lesson and program samples. They may have distinct packages for teaching math to students belonging to different standards and their rates will vary on course duration as well. You may ask for suitable and flexible timing. For verifying credibility and track record of these online math teaching service providers, you need to check their customer testimonial section. Nowadays, you can find information on these companies in Facebook and other social media websites.
If you are looking for a company that has a successful track record on offering online math lessons, choose MindresearchIt is known as an intuitive and friendly math software and online math training provider. Mindresearch can out an end to your woes about your kids not doing well in math.
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Shawn James, Black Freelance Writer: Why I do the Summer YA ...
Why I do the Summer YA eBook Exculsive Series
I work hard all year long writing stories, and writing articles. But there are projects that mean a lot to me. And one of those projects that mean the most to me is the Free Summer YA eBook Exclusive Series to Smashwords.
Why do I work so hard on a bunch of free eBooks? Literacy in the Black community is extremely poor. Many of the young brothers and sisters that are attending high school are reading at a fifth or sixth grade reading level these days.
In between the two months from the last day of school to the first day of school of the new school year, most children?s reading skills fall off. Some even regress to the point that they fall back four or five reading levels.
Many parents, especially those in the inner city don?t understand that kids need to keep reading to maintain their literacy. Moreover, they need to keep reading to keep their grade point averages up.
Kids who read regularly have larger vocabularies. They speak more articulately and are better creative writers. They do better in school. They do better on PSAT and SAT exams later on, and they?re better prepared to compete in college.?
When I was younger I used to use the downtime of summer to read comics, magazines and newspapers. That kept my brain stimulated until school started in September. And when I returned to school then I was ready to tackle the classwork (well, everything except algebra. That class was a pain in the ass, failed it four times) that was presented to me.
I don?t want children?s academic skills to fall off. I don?t want them to get discouraged and drop out. So I try to offer material to readers ages 11 and up during the summer. Middle school is a place where children are the most vulnerable to their academic skills stagnating or declining. It?s a place where we lose many a child, especially Black males to the streets for good.
I feel if I can get kids excited about reading and learning about things like screenwriting, maybe it?ll help them keep them in school. Maybe they?ll even see writing or screenwriting as a career path to pursue.
I know most tweens and teens do most of their reading with the PC and other hand-held devices like Nooks, Kindles, ipads and even ipods and cell phones these days. They take these devices everywhere, even to the bathroom. So there?s always an opportunity to read on them.
I also know books are expensive, and eBooks are expensive too. And I know a lot of families are on limited incomes so they don?t have the money to purchase eBooks or paperbacks. So I try to offer a variety of new titles for free so younger readers can have access to reading materials throughout the summer.
I also offer other exclusive titles on Kindle over the year during weekends so readers can have access to reading material throughout the year. Reading should be an everyday thing, and I want to get people passionate about reading something every day. Whether it?s a blog, an eBook, or a paperback, the more a person reads the more they learn.
Source: http://shawnsjames.blogspot.com/2012/08/why-i-do-summer-ya-ebook-exculsive.html
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0 comments - Winston Salem House Painting Contractor
You may live in an older house. Maybe, you never chose to update the look of the house before. Maybe, you've lived in the same house for a long time. Either way, it might be time to spruce up the place by putting a fresh coat of paint to give old surfaces new life.
A modern color palette will bring a totally new attitude to any room in the house. One can go with bolder colors like a nice spice red or cool things down with an icy blue. Maybe a sophisticated ecru and french grey are the colors to choose for your room. The possibilities are endless, but the project doesn't have to seem like it.
To prep the room you have to move the furniture out of the space you want to paint. Then, you have to fill in and sand over any imperfections in the wall. Depending on the previous color the wall was painted, you may have to apply several coats of primer. While this can take a bit of time out of your schedule, a simpler solution is to call a?Winston Salem Painting Contractor.
For basic painting, a?Winston Salem Painting Contractor?will save you the trouble of putting stress on your joints. If you have something more advanced in mind, they have the knowledge on how to prep the area correctly so you will get the finished effect you want.?
A fresh coat outlook on any room in the house is a wonderful way to update your house. With a Winston Salem Contractor, you'll get the look for less hassle and a reasonable price.
Source: http://winston-salem-handyman.blogspot.com/2012/08/a-fresh-look-for-fresher-time-you-may.html
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Clark behavioral health financing - HEALTH, BEAUTY & FITNESS
Related Post Clark behavioral health financing
Actually, indemnity plans are thought among the most costly medical health insurance options because they come together with versatility and freedom to select healthcare Rates could be extremely high for those who have a significant health problem. Dalhousie College Halifax, NS B3H 1W5 902- 494- 2211 dal. ca clinics IRS Healthcare Compensation Account The Government has produced a provision for any Healthcare Compensation Account. It? s very helpful in detailing the mission The needs have lately been reduced too. The existence of high amounts of High- density lipoprotein might help lower the danger, incidentally. Simple fact If there have been a method to ensure payment for hospitals, doctors etc. Regrettably, apart from unemployment insurance, there? s hardly any help offeredSource: http://curryrecipe-jp.net/health-2/clark-behavioral-health-financing/
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Wednesday, August 8, 2012
102 The Joys of Real Estate Investing | Connie and Sheila Talk
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Welcome to episode 102 of ?Connie and Sheila Talk?.? Here are today?s show segments:
1)??? Famous Quotations
2)??? The Joys of Real Estate Investing
3)??? Heart Topic: Books & Blogs
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Segment 1???? Famous Quotations
?Never count on making a good sale. Have the purchase price be so attractive that even a mediocre sale gives good results.? ~ Warren Buffett
?A funny thing happens in real estate. When it comes back, it comes back like gangbusters.? ~ Barbara Corcoran
Segment 2??? The Joys of Real Estate Investing
Steve Jobs once delivered the commencement speech at Stanford and said:??You?ve got to find what you love. And that is as true for your work as it is for your lovers ? If you haven?t found it yet, keep looking. Don?t settle. As with all matters of the heart, you?ll know when you find it.?
There is something to be said about being able to do the work you love.
We found our ?love? when we began real estate investing. In the beginning we ?worked? 7 days a week on our RE Investing business, but we didn?t think of it as work because we enjoyed it so much. We immersed ourselves in learning all aspects of RE Investing.
But with all good things, there are obstacles too.? Today we share some of our most recent challenges and how we dealt with each one.? Even if you are not a real estate investor, we think you will find the information helpful.
?Segment 3??? Heart Topic: Books & Blogs?
?We want to thank each of you for being a loyal listener of our podcast.? We appreciate you very much!?For the first 100 episodes of ?Connie and Sheila Talk? our goal was to produce and publish high quality, content rich episodes each week. We did this for over hundred episodes and now we are changing things up a bit.
We discovered the best way for us to learn about a topic is to write about it.?Since the real estate market is picking up we want to be ready for the up-trend.? To do this, we must prepare and learn as much as we can because it will be a brand new market with brand new rules and brand new players.
As we learn more, we will share what we learn through our podcasts and blogging and we are still committed to producing/publishing high quality content.? So what?s changing?
We might blog more than podcast and we might not produce content on a weekly basis.? However, please understand, our goal is to share good & relevant material to benefit you, our listener. If you are not an investor don?t go away. Just like our tagline says ? we talk about Real Life and Real Fun stuff too, and that won?t change!
Again, thank you to everyone for your support and keep those emails and posts coming!
Special Note: Many of you know Connie?s first book was published in April 2012. We are excited to announce as of last week Thinking Consciously Rocks is now available on Kindle. Through their KDP Select Program we have given Amazon.com a 90 day exclusive on the ebook. From August 9th ? 11th, Thinking Consciously Rocks will be available on Kindle for FREE. If you want further information we invite you to check out the latest blog post on: www.ThinkingConsciouslyRocks.com.
Our question this week is: ?Will you help us spread the word about the FREE Kindle version download? Using social media, you can post a message on Facebook, YouTube, Twitter and/or tell your friends and family the old way, by word of mouth.
Until next time, Peace!
Connie and Sheila
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People, Places & Things mentioned on this episode:
Mike Bulter?s Great Investor Cruise December 1-8, 2012
Dan Miller?s?Wisdom Meets Passion Cruise??February 9-16, 2013
Not interested in cruising, but are interested in writing, speaking or being a coach? Check out 48 Days products for all three.
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Disclosure: ?Please note that some of the links above are affiliate links,?and at no additional cost to you, we may earn a commission if you decide to make a purchase.
Source: http://www.connieandsheilatalk.com/2012/08/102-the-joys-of-real-estate-investing/
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