Thursday, May 31, 2012

Some awesome things about Personal Finance | Punch Debt In The ...

I woke up to a text from on my good friends yesterday morning that read ?Can I pull 100% of my Roth contributions at any time without penalty?? ?Why yes, yes you can. Roth contributions can be pulled at any time, for any reason, without any repercussions. That?s why I like to think of my Roth IRA as a second-tier emergency fund. My Roth is really just as liquid as my savings account and that?s why I think all young people should seriously consider opening one up. The Roth is ?like the filet mignon of retirement planning for 20-somethings.

But today?s post isn?t actually about Roth IRA?s or filet mignon, but instead just a list about some of the most important things I?ve learned through my personal finance journey. In no specific order, here they are:

  • You don?t have to be rich to end up rich. Never knew a $50,000/year salary could turn in to millions in retirement if done right.
  • Albert Einstein once said the most powerful force in the?universe?is compound interest. I had no idea?age played such a significant role in one?s financial future. The earlier you get your shizz together, the better off you will be down the road.
  • 401k?s sound really boring, but in reality they are pretty straightforward and typically provide a?guaranteed?return on investment (for example my employer automatically matches up to 5% of my gross salary in contributions). Can?t beat a 100%?guaranteed?return on investment anywhere.
  • Renting IS NOT a terrible financial decision.
  • Minimum payments on debt are the worst. I remember?calculating?how much my $28,000 student loan would end up costing me if I made minimum payments. The answer?.$52,000. Minimum payments suck. BAD!
  • Credit Cards are pretty awesome when used responsibly. Girl Ninja and I get airline miles for every dollar we charge to the card, dollars we would have spent anyway for things like groceries and gas. Not to mention, that my C.C. also gives me a 30 day, interest free loan. Awesome sauce!
  • Investing really isn?t that complicated. In about 30 minutes you can set up and get started investing in a Roth IRA. Investing seems intimidating, but it really doesn?t have to be. Don?t let fear be an excuse not to act.
  • You don?t have to have a car payment. When Girl Ninja and I bought our car a handful of people made inferences that we must now be proud owners of a car payment. Not so much the case. A little saving goes a long way and contrary to popular belief, you don?t need to finance your next car either.

Alright I?ll end this geekgasm here. Don?t want to totally nerd out on you all, but man Personal Finance really can be exciting. The bullet points above were all things that really resonated with me as I?ve navigated the world of PF for the last few years. What bullet points would be on your list? What are some of your favorite things you?ve learned, or come across in your journey?

brad paisley zac brown band aubrey born to run pranks pregnancy test april fools day 2012

Some pieces of information about surplus auction webpages that ...

The global recognition of surplus auctions are boosting day by day and, that is why, it gets appropriate to know wherever someone could track down important information about surplus auction websites. In a surplus discount, the bidders set forward their bids on the items detailed in surplus auction internet websites and then the auctioneer, ordinarily, selects the greatest bid amount. Surplus auction internet sites are inclined to auction those people solutions that are labeled as surplus for the anxious man or woman/corporation or group as they regularly want to get rid of those people products and services. The goods might have number of slight flaws or restrictions and could possibly not be as terrific as a model new product or service however they should really be capable to job adequately perfectly.

Surplus bargain online websites are crammed with possibilities both equally for the traders and the users. The traders may perhaps be making some additional dollars by promoting the items they no a bit longer have to have as the bidders might possibly get maintain of a pleasant product at an cost-effective price tag. More commonly than not, the surplus discount online sites cater to quite a few bidders for one product or tools, and then they would simply go for the highest positioned bid. Then again people who bids really should be wary when a price level goes more than the finest considering at times the traders have put dummy bidders who could have been employed by the traders and serve to raise the bid fee only.

The surplus bargain web sites vary from one particular business or team to one more. The auctions for charities may very well be performed internet on the non-public website of that institute or group and the bidding vendors or industries often like to provide to host the auction to help the fundraising. But, the charity team is nonetheless liable to shell out the because of service fees to the organisation or groups for contributing in direction of the auction. By the internet surplus bargain web pages, the bidders may have a lot of alternatives and the traders will get highest possible opportunities to advertise and encourage their solutions or equipments.

An auctioneer might possibly also try out listing their machines on Craig list or eBay. If they go for these sites, its preferred to preserve in brain that they have to add pictures of merchandise as very well as, merchandise description and make contact with facts. On top of that, they would also be held responsible for shipment, disconnection and packaging of the devices.

Everybody can researching about surplus auction web pages for someday previously developing indulged in it and feeling more comfortable about the entire operation. Consumers can also research advertisement web-sites for considerably more information about just where to look for surplus discount sites. A single detail that the customer should always remember is that the even more possibilities they have, the a whole lot more useful it can be likely to be for discovering an item that they need

All, in all, its top for all events to put together accurately previous to an approaching surplus auction so that the seller can market their products for the rate they are wanting for and so that the buyer ca investigate and decide upon the most effective products for their requires.

Alba Duddy blogs and forums in relation to Read This

joe paterno lung cancer john tucker must die uk basketball iowa state faroe islands faroe islands corso

1951 Rolls-Royce Silver Wraith (Auction ID: 112651, End Time : Jun ...


Current Bid -
Start Bid USD 59,900.00 [ Convert ]
Quantity 1
# Bids 0

You must be registered in order to be able to bid.


Seller Information
Blacktie (0)
Registered since Feb. 26, 2011
in United States


Description
Limousines for Hire Black Tie Limousines over forty years in the limousine, Bridal and Tux business ask about our Wedding specials!! Call 856 795 1900 1951 ROLLS ROYCE SILVER WRAITH, Great!! Wedding Classic..... that will get you to the Church on time!!!! This Rolls has a new GM drivetrain a sure thing every time!!
Fast Auto Loan



Shipping Conditions Buyer pays for shipping expenses Shipping & Payment Details

Contact Us

Postage -
Insurance -
Shipping Method Delivery


Ask Poster a Question
Please login in order to ask the seller a question.


The poster , Blacktie , assumes all responsibility for the contents of this listing

the legend of korra three stooges the three stooges the bee gees legend of korra woodward keratosis pilaris

Newborns plan fitness center-1 | Acupuncture Online School ...

Photograph taking a breve mocha every day all of your past few weeks. And i am supposed to give that up nearly beverages and whole milk. : ) it, I have scale back. To start off with outright made two immediately, But that really very adept lower i can tell how much more my routine really. bad. I appreciate delighted the actual advice in the novel.
Enjoy the alterations. I enjoy which your website marketers bear in mind telling someone not receiving all outrageous utilizing significant healthy weight loss meal plan turns. very, We function everything you should do.
Magic ? i attempted working away at the food kind of, Taking substantially even not so delt with truthfully that is exhausting considering the best regime. used to do glass whole lot heating up beverages then RRL green their herbal tea leaf. i attempted mucinex in order over centimetres so eventually bought Preseed whenever you uncovered DH was built with a lowish sperm fertility along with you on several aids. besides done anything about the relaxation techniques a juncture using the fertility menstrual biride the bike, And that i appreciated a. it is important, Regardless that was acquired consumers I got word of Asherman?s (uterine scarring). similar, the organization womb was essentially completely damaged and that i was able to conceive proper quickly putting surgical procedures.
Sleepiest, That would be ideal news inside regards to centimetres but gl over the accu!
I essential void ones acupuncture dialogue, Mainly for the reason that your time-table evolved at the very end. When I woudl potential go, It about 10DPO. I don?t know if it could be worth the time, Yet unfortunately i?ll set up a scheduled visit in either case. I amount, It cannot do any harm to, And i dislike sitting!
magic, On the subject of all of often the very clapboard storage garden garden storage outdoor storage outdoor outdoor garden outbuildings some sort of minimal on what is happening individually. Let us recognize how it goes.
Pink colored, ITA removing whole milk is a task. I just want to tell you that I have experienced a change in barely a week ture over curtailing. Romantic relationship. digest minimum amount variety of fontina, Traditional degrees of butter, And a small amount of wrong creme occasionally. Great disorder (I think) was we was enjoying 12-16 oz, With half but also half on a daily basis. I?m guessing it only agreed to be a rediculous amount of whole milk concerning my body system.
To respond to your favorite inquiry, I?ve not lost Vitex. I already know (and i?ve not suffered with time to check out the accuracy within this always) that or perhaps step understandable concise span or, May perhaps noticeably add to the lenght of a step. Their knowledge is it?s far with regard to with the greater pays out. I may result achieving a great deal groundwork, And in order to modernize every person. Let us understand how it goes if you want to try it!
AFM, CD11 and i also didn?t remember on to assist you heat level today. Entirely completely did not remember! Accordingly creepy. Furthermore, described odd is I have foamy centimetres. My partner and my spouse and when i actually seemed to be previously inside my maps from a few years ago, And i will have EWCM presently. Now i?m incredibly annoyed the fact which will my body is this. To discover a 100% healthy and well balanced my well being, After which the month I conceive to start experimenting with for a newborn I fall off, Really absolutely upset. For those who have a few is about when it comes to your beautiful health or the fitness of your tyke, It is wise to meet with a physician or simply diverse physician. Choose study the policy and in addition regards to Use prior to with this site.

Related Posts Plugin for WordPress, Blogger...

Related Posts via Categories

Copyright! If you want to copy our original articles, you must leave the links embedded and mark the source URL !

Filed Under: Acupuncture News

accenture match play fat tuesday king cake george washington carver mardi gras fun. hepatitis c symptoms

Taos Solar Music Festival brings varied, graceful, joyful voices ...

Albuquerque ARTS

Cucu Diamantes

Sonny Landreth?s slide guitar eerily evokes the human voice, as he acknowledged in an interview in New Orleans with ABQ Arts & Entertainment following his headlining performance at Jazz Fest.

?I grew up playing jazz trumpet. Then I became fascinated with delta blues and The Ventures? surf-rock and switched to guitar,? he said. ?I like to write and sing lyrics, but the slide guitar can reinforce emotional lines in a song, like the call and response of the blues.?

At Taos Solar Music Festival (TSMF) June 30-July 1, Landreth will showcase material from his newly released, all instrumental album, ?Elemental Journey,? and sing many of the socially- charged songs like ?Congo Square,? ?Blue Tarp Blues? and ?The Natural World,? which have highlighted his albums ?From the Reach,? ?Grant Street,? and others.

Landreth sees spiritual links between New Mexico and his southwest Louisiana home.

?There is a common quality, a shared feeling, that we are part of nature,? he said.

Having achieved superstar status in recent recording projects with Eric Clapton, Joe Satriani and Eric Johnson, Landreth treasures his roots in the Gulf Coast, which has survived both Hurricane Katrina and Rita, and the BP oil spill.

?It?s going to take a long time to heal,? he said. ?But I believe that community has strength to meet such challenges, even when politics fails us. I believe in grace in the face of adversity and I try to express that in my music.?

Also headlining TSMF is Cucu Diamantes, the Havana-born singer and co-founder of Afro-Latin band Yerba Buena, spoke with ABQ Arts & Entertainment a day before she and her musical partner, Andres Levin, departed for Cuba to perform at a gay and lesbian rights rally.

Cucu is hopeful about change in Cuba. ?It?s one small step at a time,? she said.

Besides performing on the TSMF stage, Cucu will screen ?Amor Cronico? during the festival. The film, which Diamantes describes as ?neo-realist,? documents her 2009 performance tour of Cuba, where according to Levin, ?Cucu played to an audience of more than one million in Havana.

Michael Franti is glad to be alive to play at TSMF this year. The 45-year-old leader of Spearhead tells ABQ Arts & Entertainment that, having survived a ?nearly fatal appendicitis,? he has a renewed sense of ?appreciating the simple things in life. I practice yoga and I run every day.?

?My life now is all about bringing the joys of music to other people. Folks just want to laugh, dance, feel the good music, even when they can?t understand the words you sing ? they don?t want to be reminded how difficult things can be,? said Franti. ?They want to feel the possibility of change.?

Franti is delighted to return to New Mexico. ?My adoptive parents used to bring me to Gallup and Santa Fe on vacations, and I recently discovered that my Native American blood is Seminole. That makes me so proud,? he said.

TSMF is a favorite of the Grammy-winning, Los Angeles, Chicano-roots rockers, Los Lobos. ?We love New Mexico, and this year we?re planning acoustic versions featuring David Hidalgo?s fiddle and accordion,? said Steve Berlin, member of Los Lobos. ?It?s always a treat for us to play that way and New Mexico fans seem to enjoy dancing to those gentler sounds.?

TSMF headliners also include bluegrass royalty, The Del McCoury Band, witty, Texas Grammy winner Lyle Lovett, and soulful Nashville songwriter Mat Kearney.

?I?ve experienced pain, but I still want to feel like that high school kid with butterflies in his stomach who loves life and has hope,? said Kearney.

There will also be surprises, including the winners of a competition among New Mexico bands to see who will grace the TSMF stage.

?Bill Nevins and Pia Gallegos

June 30-July 1, Saturday-Sunday
Taos Solar Music Festival
Kit Carson Memorial Park
Tickets $51-$91, free 12 and under; 211 Paseo del Pueblo Norte, Taos, 575.758.9191; solarmusicfest.com

?

instagram facebook mike wallace mike wallace chicago cubs split pea soup recipe the client list yahoo.com/mail

To always be prepared, Boy Scouts start welding

It's not quite fly fishing or hiking, but welding is the latest merit badge Boy Scouts can earn - part of a full-court press to attract fresh talent to the critical occupation.

More than 140,000 new welders will be needed by 2019 to replace retirees and meet rising demand from natural gas drillers, steel producers, automakers and more, according to the American Welding Society (AWS).

The group helped the Boy Scouts of America award its first welding merit badge in March, hoping to offset waning interest in welding due to a cultural focus on four-year liberal arts degrees at the expense of community colleges and trade schools, industry experts say.

"The Scouts start realizing that welding could lead to a viable career," said Sam Gentry of the AWS. "It's not just something to fix a fence."

Among the roughly 450,000 U.S. welders, the average age is 55, and fewer than 20 percent are under the age of 35, according to AWS data.

Starting pay for welders is $45,000 per year. Welding engineers - those with advanced degrees - typically have a starting annual salary of $100,000.

Contrast that with the median U.S. annual household income of $49,445, according to the Census Bureau.

Welding, though, is not the cushiest job.

The roughly 2,800 degrees Fahrenheit needed to weld, the sparks, and the painstakingly slow process - it can take hours to weld only a few feet - do little to endear this skilled trade to notoriously impatient youth.

Some older welders have delayed retirement because of the weak economy, prompting concern that when they finally decide to hang up their welding guns, there won't be enough younger welders to replace them, said Kelly Zelesnik, dean of engineering technologies at Lorain County Community College in northeastern Ohio.

"The fear is that we're going to lose a lot of talented welders and welding technicians and not have anyone to back-fill the jobs," she said.

In addition to the Boy Scouts partnership, the AWS has boosted the amount in scholarships it doles out each year.

It also built a $500,000 trailer equipped with "virtual" welding machines with the help of Lincoln Electric Holdings Inc. Last weekend, the machine made a pit stop at the Indianapolis 500 car race to tout the welding profession to young auto fans.

The machines mimic the touch, sight and sound of the welding process - everything except the pungent smell of smoke from molten metal, known as a fume plume.

There are several types of welding, but generally the process involves using a gas-powered heat torch to combine two pieces of metal by melting another piece of metal -- usually in wire or stick form -- between them.

Automation has been able to replicate part of the process -- carmakers, for instance, rely heavily on machine welders -- but human precision and the ability to react quickly if circumstances change remain crucial for most welding operations.

Training typically involves a two-year degree to gain practical experience in welding, but students can go on to get a four-year degree and become welding engineers to focus on design and welding theory.

"We don't believe we're graduating enough welders," said Monica Pfarr, a welding industry consultant. "A lot of companies are having trouble finding the skilled employees they need."

Frackers worry
While the welding shortage has prompted concern from heavy equipment manufacturer Caterpillar Inc, automaker General Motors and defense contractor Lockheed Martin, the fracking industry is even more worried.

Even among current welders, there is a stark need for pipeline welders, those who can build the lines that will transport natural gas from America's growing shale fields.

"When you weld pipeline, it's an even more complex process than traditional welding," said Corky DeMarco, executive director of the West Virginia Oil and Natural Gas Association. "We are trying to train the next generation of welders who know a range of skills."

David Seaton, CEO of engineering firm Fluor Corp, is concerned about labor costs and supply as his company helps build new chemical plants, pipelines, refineries and other large projects needing welders.

"I started in the construction field, and I've always enjoyed that," Seaton said. "But I don't think we in the industry have done a really good job of educating that next wave of talent on the benefits of a long-term career in our market."

There are small signs the industry's efforts are paying off.

The Boy Scouts have already run out of their first printing of 11,000 welding training manuals, which cost about $5 each.

Using the book, which outlines safety procedures, welding techniques and career potential, and through hands-on training in welding, Scouts can earn the badge in as little as 12 hours, the group says.

"Boys like discovering things, exploring things with their hands," said Boy Scouts spokeswoman Renee Fairrer. "Something like welding is of interest to boys because it's not necessarily something they see as part of their everyday existence."

A representative for the Girl Scouts of the USA wasn't available to comment on a potential welding merit badge for the group's members.

Risk and reward
Welding can be dangerous: 79 U.S. welders were killed on the job in 2010, more than miners, roofers and electricians, according to the Bureau of Labor Statistics.

Underwater welding is consistently ranked as one of the most dangerous professions. (It may have something to do with strapping an oxygen tank to your back while using an open flame.)

That being said, many students have job offers even before they graduate.

Zelesnik, the Lorain County Community College dean, advises her students to resist the temptation to drop out after only one or two classes to get a paycheck right away.

"They could be earning a lot more money if they think of welding as a career and not just think about being proficient in a process to get the next raise or job," she said.

Alex Bartels, a high school senior in New Hampshire, tried welding for the first time earlier this year by donning a leather apron and thick metal goggles to help his father repair a trailer frame in his family's New Hampshire driveway.

The long, tedious process did not endear welding to Bartels as a career choice.

That perception is something the industry is going to have to address if it hopes to attract fresh talent.

"Welding would be a great side job," said Bartels, who plans to enlist in the U.S. Army this fall and hopes to join the military police. "But it gets real boring, real fast."

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

lightsquared david lee honduras prison fire do not call list sports illustrated westminster dog show 2012 words with friends

Senior Health and Fitness | Shannon Miller Lifestyle

Posted In: Health & Wellness : 5/30/2012

Author: Shannon Miller Lifestyle

Seniors are defined as the age group of ?over 55.?

Many people are shocked by the mail marketed to ?seniors? that they get starting on that birthday. Why are they shocked?

Well, because 55 is the new 30, that?s why!

There are so many people starting anew in their wellness journey at 55 or later. Many have never even exercised before, and decided to make a change after 55. Many had slip ups, downturns, and illnesses, but gathered their strength after 55 and made life better for themselves. The predominant theme here is: age doesn?t matter ? Health does.

Here?s examples of SML ?Seniors? that we love:

  • Case in point, Dr. Gayle Carson is a life coach for seniors. She is 74 years old, and a three time cancer survivor (bless her soul). She exercises for 2 hours a day and coaches other seniors to introduce fitness into their lives. Her cute and hilarious blog site is called ?Spunky Old Broad? (notice the acronym is SOB), where she preaches living a ?regret-free life.? A regret-free life would include a life of wellness and fitness, according to her blog.
  • Joanie Jacobson, author of ?Baby Boomer Way?also preaches a healthy lifestyle for seniors. She decided at age 58 to get a handle on her weight and lost 60 pounds by beginning a cardio routine. She runs 5K?s.
  • Debbie Rosas is the creator of a new fitness craze called ?Nia?.? And she happens to be 63 years old. Nia is designed to work functionally with the body, reducing stress and injury, and increasing overall FUN in a workout. Rosas is the image of a young, energetic woman, regardless of her actual age in time.

From Debbie Rosas:

7 Keys to Getting Fit After 55

  1. Choose the sensation of pleasure. Begin to pay attention to moving and sensing pleasure. If you don?t feel pleasure when you move, change how you move. Your body will guide you into the path of least resistance if you listen to it.
  2. Get up and down from the floor for 60 seconds a day. One of the best ways to condition the body naturally is to move from the ground up, using the body?s joints and spine the way they were designed to be used: opening and closing to allow for movement to occur.
  3. Discover Your Body?s Way. No matter what your movement or fitness choice, learn to sense your body moving the way it moves. Let go of following someone outside of you.
  4. Daily dance. Allowing for body to move for as little as 5 minutes a day can begin to reconnect you with the sensation of pleasure. Put on your favorite music and dance for joy and pleasure. Add one-minute a day, and soon you?ll be dancing for more than thirty minutes a day.
  5. Laugh. It?s easy to shift your perspective on life with the power of laughing. Lie on your belly and laugh for 15 seconds, on your back, for 15 seconds, then sit up and laugh for 15 seconds and end by standing and ?laughing for 15 seconds.
  6. Sound. Add vocal, emotional sounding into your workout. Making sound releases stress and makes room for you to sense and hear pleasure. Use the vowel sounds of ?A-E-I-O-U?, exhaling these sounds as you run, bike, perform sit ups, and/or dance.
  7. Find meaning. Make what you do be something meaningful to you. If you love what you do, you?ll be more inclined to do it every day.

Fitness after 55 starts with cultivating the sensation of pleasure in your body and life.

  • 87 year old Andrew Garber?s kidneys failed about a year ago. This World War II veteran would not even let kidney failure hold him back. An avid tennis player, Garber finished second in a Midwest division tennis tournament. He also works out at the gym four times a week?in between his kidney treatments. Why? Because he knows that doing the workout will keep him stronger longer, and make his illness more endurable.
  • You may have heard that the world?s oldest yoga teacher, Tao Porchon-Lynch,? is 93. She is considered to be the happiest person by some, as well. She says ?yoga?is something that lives within you?and it makes me face the world.? She has had hip replacement surgery, and can still lift her lotus off the floor with ease.
  • At 91, Olga Kotelko is the fastest, oldest athlete. She is still running the 100 meter dash, at under 24 seconds. She has earned 600 gold metals.

Not at that level yet? Well, that?s okay. Even if you are a senior, and you have never been athletic, or you have been sedentary for your entire life, you can make a change. That change could make a huge difference in your quality of life!

SML TIP:? If you are not exercising regularly now, then when? Get out there and move it.

Tags: fitness, healthy tips, seniors

Leave a Reply

quinton coples a.j. jenkins riley reiff david decastro travis pastrana aj jenkins shea mcclellin

Tales and Yarns by Laurie Laliberte: Teens, Sex, and Relationships

Place two chai tea bags in a small nonstick saucepan with one cup water, one cup milk, and one tablespoon sugar.

Bring mixture to a boil.

Remove from heat, cover, and allow to steep for three to five minutes before removing tea bags.

Serve in a big, pretty mug.

For frozen chai, reduce the amount of water by about half. After steeping, pour into a blender with ice. Blend until frothy and serve in a tall glass.

groundhogs day paula abdul mitt romney cinnamon challenge lou dobbs rock salt david letterman

Julie Spira: Looking Up Your Online Date [Infographic]

Looking up your internet date

Remember the scenario. Boy meets girl. Boy becomes attracted to girl. Girl gets infatuated and dreams about their future. They go on a movie date and hold hands. He takes her home to meet his family. They fall in love and get married. And then it's "Happily Ever After." -- The End.

Gone are the days where you can fully rely on falling in love at first sight from across a crowded room. I know it can happen, as I was one of those rare people who experienced this magical love. More often-than-not, it happens in the movies and romance novels.

So here we are with online dating being a part of most single's lives. Everyone seems to know someone who has met their significant other or spouse online. I often talk about online dating safety as you don't know who you're meeting from behind the keyboard. I've met married men who propose to single women regularly. I know women who lie about their age by 10 years. It's much easier to hide and idealize about who you'd like to be someday in your profile or write up a bio that would describe what you believe your dream girl will be attracted to.

As an online dating expert and coach, I believe in truth-in-advertising. After all, once you meet in person, if you've lied about some obvious things in your profile, it will be a bad experience for everyone involved.

Doing a simple Google check if your date's name isn't a very common one isn't a bad idea. Telling your date you did a background check on them before you met in person is a terrible way to start a relationship.

However, this latest infographic will show you some of the typical lies you might observe while looking for love online, along with a few ways to get some deeper information if you feel the need to.

Looking Up Your Internet Date
Presented By: BackgroundCheck.org
Would you do a background check on a date to feel safer?

Wishing you much love and joy in cyberspace, or wherever you may roam.

Julie Spira is a leading online dating expert and bestselling author of The Perils of Cyber-Dating: Confessions of a Hopeful Romantic Looking for Love Online.

For more online dating advice and to learn to how to create an irresistible profile, like us at Facebook.com/CyberDatingExpert

?

?

?

Follow Julie Spira on Twitter: www.twitter.com/JulieSpira

"; var coords = [-5, -72]; // display fb-bubble FloatingPrompt.embed(this, html, undefined, 'top', {fp_intersects:1, timeout_remove:2000,ignore_arrow: true, width:236, add_xy:coords, class_name: 'clear-overlay'}); });

jeremy shockey new orleans saints ireland bracket vangogh yield crossbow

Mimi Tanner's Blog: Married, Single, Divorced, Widowed - What???


You're filling out a job application, or it's your first visit to a doctor, and you're handed the usual forms.

The trouble is, they all ask you to describe your marital status!

Here are the choices: ?Married, Single, Divorced, or Widowed.

What??

So, if you've been divorced, you can't check the Single box?

If you're widowed, hey, thanks for reducing this life tragedy to a check box on a piece of paper!!

One day, that question will join the ranks of the "not allowed" questions on forms!

They really leave off a lot of possibilities, too.

They should have a check box for:

* Married but planning my escape!

* Single, but secretly seeing a married person.

* Single, and until they pass gay marriage in my state, single, but really married.

* Divorced - YEARS ago. ?Why do I still get dealt the "divorced" card?? ?Please!! ?We need a statute of limitations here.

I'm sure you can think of some other possibilities!!

I read a newsletter that proclaimed, "Don't take relationship advice from someone who is not in a committed relationship!!!"

The person who wrote that is very young, but I have heard this from people who are old enough to know better!

Well, I'm single at this writing, and I give relationship advice. A lot of people have found wonderful committed relationships, marriages, and love because of reading my emails and books.

My current single relationship status has no bearing on my IQ, except possibly to improve it.

Oh, wait a minute, I'm not single. Not according to those forms. ?I'm supposed to check the "divorced" box, officially. ?Wow, that sounds so contentious and negative; it's like being branded! ? Whatever the answer, it's a damned nosy question that has absolutely no purpose - except for giving numbers-crunchers fodder for statistics, like the ones that say, "Of the marital status categories, married men are the happiest, and married women are the least happy." ?I love that one...

I'm not in love right now, but I do expect to fall in love again and get married. I'm sure when that happens, I'll mention it and even share a photo. But I don't plan to report every detail to the whole world to prove something. ?Good advice and information stands on its own.

Contrary to what some people think, you don't prove your worth by being in a relationship all the time.

Check the census and welcome to the new century: ?lots of people live on their own... and it's far from tragic! ?The?unhappily married people envy those who are free and single more than anyone because they know what they've got!

I see a lot of women who just want to grab on to any guy because they can't imagine life on their own.

Then I see other women who will welcome love when one special person becomes a part of their world. ?These women write me often: they know what love is and what it isn't, and they don't need to settle just so they have their "man badge" or their "Mrs. Degree" to prove to some outsider that they're desirable or loving. ?

Usually, they already GOT their Mrs. degree AND the T-shirt at least once before, when it was so ultra-important to get married before they turned 30.

If they marry again (and get the masters Mrs. degree?) they want to know that the T-shirt will fit and survive years of washings. ?They're really not freaking out about being single to please other people's ideas of what makes them acceptable!

It's understandable when people who are really young think this way.... in due time they too will learn about the?complexities of life (and of making and voicing negative judgments about people).

It's much better to go down your life path without striving to "find someone" just for the sake of being part of a couple.

I hear from women who are concerned about getting married because of their biological clock. ?But we really can't force marriage, even if we'd like it. ?Marriage for that reason would not really be marriage for the love of a particular person. ?

I believe in love. ?But love is highly personal. ?It's a lot more than "Married, Single, Divorced, or Widowed"!

kuroda nfl scores nfl scores gene hackman pineda john edwards heart condition mena suvari

Baby totes of the future are sling-stroller hybrids

10 hrs.

Toting infants and toddlers can be a hassle, especially when navigating stairs and crumbling sidewalks with the kangaroo-pouch-on-wheels known as the stroller.?

Thankfully, some parents of today and tomorrow who are taking classes between diaper changes and temper tantrums have come up with a solution: a sling-stroller hybrid that makes getting around a snap.

Together, a group of students from?MIT and the Rhode Island School of Design developed a?system that?is more sling than stroller. It looks similar to other infant carriers such as the Baby Bjorn and Ergobaby that parents wear on their chests, though with the ability to shift the precious package to one hip or the other while the free hand hoists the stroller for a jaunt up stairs or a across a busy street.

But, unlike other slings, the BuzzyBaby comes with a harness system that buckles onto the stroller to safely roll along the kiddo, giving the totee?s back and arms a rest until the next flight of stairs.

?The harness acts much like a universal remote control, providing one device to connect several,? notes The Boston Globe.?

The team came up with the idea after watching video tape of one of their members, Kin Lo, a fellow at the MIT?s Sloan School of Management, trying to navigate the stairs of a New York City subway with a stroller.?

According to market research performed by the?team, which included additional members from MIT and the Rhode Island School of Design, 77 percent of 400 mothers surveyed would find the system useful.

Apparently, this feedback is encouraging enough to turn the idea dreamed up in class into a business. The team plans to start selling their BuzzyBaby contraption in spring 2013.

--Via Atlantic Wire and The Boston Globe

John Roach is a contributing writer for msnbc.com. To learn more about him, check out his website and follow him on Twitter. For more of our Future of Technology series, watch the featured video below.

nascar news doppler radar colorado rockies moonshine news channel 4 radar weather weather channel

Avlon: Romney was missing in action in Massachusetts (CNN)

Share With Friends: Share on FacebookTweet ThisPost to Google-BuzzSend on GmailPost to Linked-InSubscribe to This Feed | Rss To Twitter | Politics - Top Stories News, News Feeds and News via Feedzilla.

laron landry mary j blige burger king islands joe flacco 2013 nissan altima masters par 3 contest google augmented reality glasses

Wednesday, May 30, 2012

Bitter primaries undercut GOP hopes in 3 states

TAMPA, Fla. (AP) ? Mutual admiration was the rule for Democratic Sen. Bill Nelson's listening session at the University of South Florida.

School provost Ralph Wilcox introduced the two-term senator as a "steadfast advocate for all Floridians." Nelson, best known for flying the space shuttle Columbia in January 1986, flattered the more than two dozen students present, saying they had a keen sense about people running for elected office. "You guys can usually smell out folks. You can spot a phony," he said.

Nelson collected their personal stories about the unbearable weight of student loans for a Senate speech days later on the need to keep the interest rate low. At the conclusion of the hour-plus session, he posed for photos with students.

Don't go looking for compliments and congeniality in the Republican primary to decide Nelson's election-year challenger. It's one of the meanest races in the country.

George LeMieux calls rival Connie Mack a congressional no-show, claiming that the four-term House member spends more time in California with his wife, Rep. Mary Bono Mack, than either in Florida or on Capitol Hill. A devastating web video from LeMieux portrays Mack as Hollywood bad boy Charlie Sheen, highlighting years-old bar fights and Mack's previous experience as an events coordinator for Hooters.

Privately, top Republicans in the state bemoan their choices and the GOP candidates' anemic fundraising.

It wasn't supposed to be like this in Florida or Pennsylvania or Michigan, three presidential battleground states. Republicans romped in all three in 2010, grabbing governorships, seizing majority control of state legislatures, and winning House and Senate seats. The three Democratic senators facing re-election in 2012 ? Nelson, Bob Casey of Pennsylvania and Debbie Stabenow of Michigan ? were certain to face top GOP recruits and strong political headwinds.

Now, roughly five months to Election Day, the three states look like missed opportunities for the GOP.

In Pennsylvania, Republican Gov. Tom Corbett's choice to challenge Casey finished an embarrassing third in the April primary. The GOP nominee is Tom Smith, who made a fortune in the coal mining business but lacks the name recognition of Casey, the son of a popular former governor.

In Michigan, former Rep. Pete Hoekstra, who finished second in the 2010 GOP primary for governor, stumbled in January with a controversial ad in which a young Asian woman spoke in broken English about China taking U.S. jobs. He faces a challenge from Clark Durant, who has the support of top Republicans Spencer Abraham and Saul Anuzis in a likely five-man primary on Aug. 7. Abraham represented Michigan in the U.S. Senate until he was ousted by Stabenow in the 2000 election, while Anuzis is running for Republican National Committee chairman.

The GOP envisions a road to a Senate majority ? it needs a net gain of four seats to win control ? but at this stage, Pennsylvania, Michigan and Florida aren't prime real estate.

"The environment can change in pretty short order," Casey said in an interview, recalling his father's success in 1990 and President Bill Clinton's in 1992, followed by Republican wins in 1994 and 1998. "We don't know what 2012 will be. We don't know whether it will be a dramatic departure from 2010 or not."

Christopher Borick, assistant professor of political science at Muhlenberg College, describes Casey as the prohibitive favorite based on his solid approval ratings, crossover appeal with Republicans and independents and his willingness to challenge President Barack Obama on several issues, most notably the requirement ? later amended ? that religious schools and hospitals provide insurance for free birth control to their employees.

Votes in Pennsylvania for Romney and Casey "won't be uncommon," Borick said.

Casey has $5.3 million cash on hand to Smith's $2 million, though the senator said "it's always a struggle when you're running against someone who can take out a pen" and write a personal check. Stabenow, who recently completed work on a five-year farm bill as chairwoman of the Senate Agriculture Committee, has close to $7 million cash on hand, while Hoekstra and Durant have about $1.5 million apiece.

In Florida, Republicans describe Nelson as one of the luckiest politicians, with support they insist is a mile wide but only an inch deep. They point to his less-than-formidable opponents in past elections, former Rep. Bill McCollum and divisive 2000 recount figure Katherine Harris, whom he beat 60-38 percent in 2006.

Mack, in the first rush of fundraising, emerged with just $1.38 million cash on hand at the end of March, according to Federal Election Commission reports. LeMieux had $1.19 million. By comparison, Nelson reported $9.54 million cash on hand to run in a state with 10 expensive media markets.

This spring, Republicans, including freshman Sen. Marco Rubio, had talked up the candidacy of Florida's chief financial officer, Jeff Atwater, but he decided against running.

LeMieux claims Mack ? great-grandson of baseball Hall of Fame manager Connie Mack and son of the former senator ? is in Washington on name recognition only.

Mack "doesn't have the competency or character to be U.S. senator. If his name were Connie Smith, he wouldn't have been elected to anything," LeMieux said in an interview. LeMieux, who served as interim senator, added, "It's hard to ask for a promotion when you're not showing up for work."

Mack has the backing of likely Republican presidential nominee Mitt Romney and is considered the front-runner in the Aug. 14 primary. He's answering LeMieux's attacks with his own assault.

Seizing on published reports last week, Mack's campaign called for a Justice Department investigation into allegations that LeMieux pressured then-Gov. Charlie Crist to appoint him to the Senate for the remaining 16 months of Republican Mel Martinez's term in 2009. The newspaper reports suggested the two had a quid pro quo, with LeMieux backing Crist's unsuccessful Senate bid in 2010.

Mack shrugs off LeMieux's criticism as "juvenile" and insists that the former senator should be ashamed.

"George LeMieux is fixated on making a joke of his own campaign. We're fine to let him do that," Mack said in an interview, arguing that he's more focused on addressing the nation's problems.

Stepping into this scorched earth race is former Rep. Dave Weldon, who launched his late bid arguing that none of the candidates, including businessman Mike McCalister, has won over conservatives.

The races are certain to tighten as the November election closes in, especially with a divided electorate, outside money in the millions, and Obama and Romney spending millions more.

"Keep your eye on Florida because it is ground zero," Nelson said in an interview, pointing out that Florida's 29 electoral votes make it the biggest prize among swing states.

The U.S. Chamber of Commerce recently spent $2 million on an ad criticizing Nelson for his support for Obama's health care law.

"Obamacare will be a nightmare for seniors," the ad says. "Did Bill Nelson consider the consequences when he cast the deciding vote for Obamacare?"

Among several locations, the ads ran in Tallahassee and Panama City, part of the Florida Panhandle in the northwestern part of the state. The choice was intentional as state Republicans and Democrats say the folksy Nelson runs stronger in the Panhandle than most Democrats, including Obama.

Mack is already trying to undercut that support, referring to Obama and Nelson as "two lock-step liberals who are joined at the hip."

Nelson will benefit, though, from the Obama campaign's strong organization in the state, said Orlando Mayor Buddy Dyer, a Democrat who recently was re-elected.

"They've been at it for a year already in central Florida. ... They have a very visible presence," Dyer said.

lindsay lohan playboy cover shooting at virginia tech shooting at virginia tech harry morgan john lennon death john lennon death c.j. wilson

Red Sox beat up Verlander, Tigers

Associated Press Sports

updated 11:34 p.m. ET May 29, 2012

BOSTON (AP) - Justin Verlander felt he pitched well. The Boston Red Sox just hit a bit better.

Verlander, the reigning American League MVP and Cy Young award winner, was tagged for 10 hits in Detroit's 6-3 loss to the Red Sox on Tuesday night.

Verlander had his usual velocity, but said he hurt himself by falling behind 3-1 in the count against Daniel Nava with the bases loaded and two outs in the fourth.

Detroit was trailing 1-0 before Verlander threw a 100-mph fastball that Nava drove for a double.

"Mostly I'm disappointed about not being able to get ahead of him," Verlander said. "I think if I'm ahead in that situation, he's not able to get to the fastball in that situation."

Verlander (5-3) lasted just six innings, scattering 10 hits to eight different players in dropping a second consecutive start for the first time since April 2011.

"He just wasn't himself, he just wasn't sharp. That happens," Tigers manager Jim Leyland said. "We give them credit. They hit him so you give them credit. Tip your hat to them."

Less than two weeks after nearly throwing his third career no-hitter, Verlander walked one and struck out seven, watching his ERA rise from 2.15 - which led the league entering the day - to 2.55.

"I can't say I pitched bad, but it was a battle because of the way that they were putting together at-bats against me," he said. "There was a lot of guys on and a lot of high intensity pitches."

The Red Sox improved to 25-24, finally achieving a winning record after going 0-5 in games that could have put them above .500. Boston fans had to wait a while to enjoy the moment because of a 38-minute rain delay with one out in the bottom of the eighth.

Daniel Bard (5-5) pitched 5 1-3 innings for Boston, allowing two runs on five hits with four strikeouts and two walks.

Boston used four relievers before Alfredo Aceves came in after the rain delay and finished the eighth, then held the Tigers scoreless in the ninth for his 12th save.

Jhonny Peralta and Prince Fielder hit solo homers for the Tigers, who fell to 0-2 in the four-game series.

Verlander hadn't allowed 10 hits in a game since September 2010. Boston got four alone in a three-run fourth inning. Kevin Youkilis, Mike Aviles and Scott Podsednik all singled to load the bases before Nava put Boston up 4-0 with a two-out double. Verlander hit 100 MPH repeatedly in the at-bat before Nava came through with a full count, lining a shot down the left-field line.

Verlander came in with 16.2 consecutive scoreless innings against Boston, but the streak ended in the second when Ortiz led off with a double off the Green Monster and scored on a fielder's choice by Mike Aviles, who avoided a double play by beating out Peralta's throw.

Peralta hit a solo homer in the fifth for the Tigers' first run and Fielder added a solo shot in the sixth.

Ortiz hit his second double of the game in the fifth, bringing Adrian Gonzalez all the way in from first for a 5-1 lead. Ortiz tried to push it for a triple and was easily thrown out at third.

Ortiz atoned for the base-running mistake with a homer to left in the seventh.

Notes: Boston 2B Dustin Pedroia did not play Tuesday after jamming his right thumb in Monday's win over the Tigers. Manager Bobby Valentine said Pedroia aggravated a pre-existing injury to his thumb and underwent an MRI but the results were not yet available ... Verlander pitched at least six innings for the 53rd straight start, dating to Aug. 22, 2010. It marks the longest such streak by a pitcher since Steve Carlton's 69-game run from 1979-82. ... This was the longest the Red Sox took to go above .500 since 1996, when Boston finally improved to 66-65 on Aug. 25. ... Red Sox OF Carl Crawford said he is about 10 days away from starting to throw as he continues his rehab from a sore left elbow.

? 2012 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.


advertisement

schweddy balls bill conlin kendall jenner plane crash plane crash kardashian christmas card lori berenson

AP Exclusive: Calif. 9/11 fund raided for deficits

In this April 21, 2012, photo, Candice Hoglan poses for a portrait with her vehicle with a license plate commemorating the events of Sept. 11, 2001, in Sunnyvale, Calif. Hoglan's nephew Mark Bingham was one of the passengers of United Airlines Flight 93, which was hijacked by terrorists on Sept. 11. After the 2001 terrorist attacks, California lawmakers sought a way to channel the patriotic fervor and use it to help victims' families and law enforcement. Their answer: specialty memorial license plates emblazoned with the words, ?We Will Never Forget.? (AP Photo/Marcio Jose Sanchez)

In this April 21, 2012, photo, Candice Hoglan poses for a portrait with her vehicle with a license plate commemorating the events of Sept. 11, 2001, in Sunnyvale, Calif. Hoglan's nephew Mark Bingham was one of the passengers of United Airlines Flight 93, which was hijacked by terrorists on Sept. 11. After the 2001 terrorist attacks, California lawmakers sought a way to channel the patriotic fervor and use it to help victims' families and law enforcement. Their answer: specialty memorial license plates emblazoned with the words, ?We Will Never Forget.? (AP Photo/Marcio Jose Sanchez)

This April 21, 2012, photo, shows Candice Hoglan's vehicle with a license plate commemorating the events of Sept. 11, 2001, in Sunnyvale, Calif. Hoglan's nephew Mark Bingham was one of the passengers of United Airlines Flight 93, which was hijacked by terrorists on Sept. 11. After the 2001 terrorist attacks, California lawmakers sought a way to channel the patriotic fervor and use it to help victims' families and law enforcement. Their answer: specialty memorial license plates emblazoned with the words, ?We Will Never Forget.? (AP Photo/Marcio Jose Sanchez)

SACRAMENTO, Calif. (AP) ? After the 2001 terrorist attacks, California lawmakers sought a way to channel the patriotic fervor and use it to help victims' families and law enforcement. Their answer: specialty memorial license plates emblazoned with the words, "We Will Never Forget."

Part of the money raised through the sale of the plates was to fund scholarships for the children of California residents who perished in the attacks, while the majority ? 85 percent ? was to help fund anti-terrorism efforts.

But an Associated Press review of the $15 million collected since lawmakers approved the "California Memorial Scholarship Program" shows only a small fraction of the money went to scholarships. While 40 percent has funded anti-terror training programs, $3 million was raided by Gov. Jerry Brown and his predecessor, Arnold Schwarzenegger, to plug the state's budget deficit.

Millions more have been spent on budget items with little relation to direct threats of terrorism, including livestock diseases and workplace safety.

Moreover, the California Department of Motor Vehicles has been advertising the plates as helping the children of Sept. 11 victims even though the state stopped funding the scholarship program seven years ago. The specialty plate fund continues to take in $1.5 million a year.

Californians who lost loved ones in the attacks take the raid on the license plate fund as an affront to the memory of those who died.

"I can't believe that they would do that," said Candice Hoglan, who lives in the San Francisco Bay Area and bought a plate to commemorate her nephew, Mark Bingham. "We're paying extra for the plate; we're making a point, and it means a lot to us."

Bingham was killed on United Airlines Flight 93, which crashed in Pennsylvania, and was one of the passengers who led the attempt to wrest control from the hijackers. His mother, Alice Hoagland, also was troubled by the program's apparent drift from its original purpose.

"I'm sorry that as we retreat in time from 9/11, we seem to be retreating in our resolve never to forget," she said in a telephone interview.

The plates, which cost an initial $50 plus a $40 annual renewal fee, feature an American flag partially obscured by clouds and the "never forget" slogan. Residents of California, where all four jetliners were bound when they were hijacked, have bought or renewed the plates more than 200,000 times since 2002.

Of the other states directly associated with the 2001 attacks, only Virginia has established a similar specialty plate program. Yet it did not set up a special fund for the proceeds of its "Fight Terrorism" plate.

For the past decade, the California DMV has said on its website that the money will "fund scholarships for the children of Californians who died in the September 11, 2001, terror attacks and helps California's law enforcement fight threats of terrorism." It advertises the program with the slogan, "Be a patriot."

While the DMV description of the program was not "totally disingenuous," the department should probably remove references to the scholarship program, said Joe DeAnda, a spokesman for the state treasurer's office, which disburses the money.

"It's out of date and it's on DMV to update that," he said.

Late Friday, the department modified the description of the license plate on its website to remove the reference to the scholarship program in response to the investigation by the AP, which began in March. Spokeswoman Jan Mendoza said the reason promotional materials were not updated sooner was "unknown."

The DMV still lists the scholarship program on the online and hardcopy form drivers fill out to buy the license plates, but Mendoza said the department will change this next time the forms are printed.

The legislation establishing the plates had earmarked 15 percent of the revenue for scholarships. Yet only $21,381 has reached the children and spouses of the three dozen California residents killed during the terrorist attacks. The state treasurer's office closed the scholarship program in 2005, the sign-up deadline for potential recipients, and has $60,000 in reserve.

The total amount dedicated to scholarships was 1.5 percent of the $5.5 million raised through the sale of the plates through 2005.

The original legislation said the remainder of the money would go to "law enforcement, fire protection, and public health agencies" to be used "exclusively for purposes directly related to fighting terrorism."

But in 2008, former Gov. Arnold Schwarzenegger, a Republican, borrowed $2 million to close a budget gap. Last year, Brown, a Democrat, borrowed another $1 million.

Neither loan has been repaid nor are their deadlines to ensure they will be. Elizabeth Ashford, a spokeswoman for Brown, said the loans have done no harm.

"We're trying to simultaneously balance the budget and fund important programs," she said. "If there was an indication that borrowing this money was going to negatively impact this program, we wouldn't borrow the money."

The rest of the money has gone to a wide array of budgets and programs.

The Legislature sent $3.7 million to the California Department of Food and Agriculture, according to the Department of Finance, to establish an online food monitoring database and implement a variety of worker safety programs, including hiring industrial hygienists to tend to worker health.

But it is difficult to say precisely where the money has gone. Late Friday, the agriculture department delivered documents it said were in response to a California Public Records Act request the AP filed eight weeks earlier.

The response contained itemized budget reports going back six years and listing payments for all types of government functions, ranging from salaries and benefits, to printing costs and communication equipment. Among the details: $18,163 for furniture in 2006 and $11,492 for auto inspection in 2009.

The response also included a legislative report on the threats the agriculture department is targeting with an online database the license plate program helps fund . A similar report from 2006, when the license plate money was first authorized, lists bioterrorism as a potential danger. But the 2011 report focuses on food safety and livestock concerns, including foot-and-mouth disease and meat and poultry monitoring.

Director of Animal Health and Food Safety Services Annette Whiteford said the department does not track license plate money separately from other funds.

She said it would be wasteful to reserve the money exclusively for anti-terrorism work. For example, the department uses some of the money to buy safety suits that would be essential during an anthrax attack but also are useful for routine food investigations.

"The things that I worry about in the animal food safety division are very high consequence events, but very infrequent. So I always try to leverage those resources," she said.

Another $2 million has gone to programs that aim to protect Californians from all manner of potential threats, not just those related to terrorism.

The California Emergency Management Agency used nearly $1 million in memorial license plate money for general operations, including administrative costs, buying and fueling cars, and hiring a person from 2007 to 2009 to coordinate five so-called "fusion centers," according to documents obtained through a Public Records Act request.

The other $1 million went directly to the fusion centers, which were founded after the 2001 attacks to focus on terrorist threats but have since switched to an "all crimes" approach that includes gang activity and natural disasters.

Herb Wesson, who wrote the license plate bill when he was speaker of the California Assembly, said he was saddened to hear how the money had been spent.

"I understand the financial climate they find themselves in, but they are not following the spirit and intent of the legislation," said Wesson, now president of the Los Angeles City Council. "The lion's share of the money was supposed to be given to local law enforcement so that they could beef up their anti-terrorism operations."

About 40 percent of the total raised to date, or $6 million, has gone to anti-terrorism training programs for firefighters and law enforcement officers. There is a slight discrepancy between the DMV's revenue figures and the Department of Finance's expenditure figures that neither agency could explain.

Patricia Anderson, who paid $98 for a personalized memorial plate reading "WE R 4US," said she signed up for the program primarily to show respect for victims of the 9/11 attacks. Anderson said she was disheartened but not surprised to learn that much of the money has gone to fill the state deficit or used for general purposes.

"That's California," said Anderson, who now lives near Austin, Texas. "It's kind of a given these days ? nothing is spent on what it's supposed to be."

Associated Press

sam shepard sam shepard johnny knox johnny knox monday night football monday night football bonjovi

Doxo Now Lets You Receive & Pay Bills From Your Mobile Device

Doxo_mobile_attSince launching in mid-2011, doxo has been on a mission to make your life paperless. With its "digital filing cabinet" software, the Seattle-based startup aims to create a single place for users to manage their bills, be they phone, cable, or credit card. Of course, the world is quickly going mobile, and payment solutions are going right along with it. So, in an effort to close the loop between web and mobile services, Doxo is today launching a new mobile payment and management solution, along with a new Android app, to finally allow users to both receive and pay bills from their mobile devices.

dst friends with kids pacific standard time northern mariana islands summer time coolio daylight savings time 2012

Find Budget-Friendly Accommodation at Sydney CBD Hotels

Article Directory :: Travel & Leisure Articles

The central business district of Sydney houses the tallest Skyscrapers of Australia. The territory is home to some of the largest Australian companies. Many International companies have their Asia-Pacific headquarters located in the central business district of Sydney. In addition to that, Sydney CBD is also home to many cultural institutions such as a museum, a library and a theatre. This makes Sydney CBD hotels a perfect choice for accommodation.

In today's fast-paced world, there are constant developments taking place in the fields of communication and transportation. This has made it easier for businessmen and employees to travel across borders for work-related purposes. Most of the time, the company in which they work bears the costs of travelling and accommodation. But with the prevailing economic conditions and the on-going recession, companies have to cut down on their expenses.

As business visits are always planned at the eleventh hour, searching for last minute hotel deals online for accommodation is the wisest option. One more reason to search for last minute inexpensive deals online is that business travelers mostly prefer staying in the central business districts of a city which is the hub of all business activities. In the peak season hotel rooms are scarcely available due to high demand and rentals shoot up. Finding cheap places to stay becomes a difficult job.

Therefore, people on business visits prefer to stay at Sydney CBD hotels. It allows them to easily commute in the city. Hotels are ideally located near train stations and bus stops for ease of travel. Food and entertainment are an arm's reach away.

Sydney CBD Hotels offer a variety of attractive deals and packages. They guarantee low prices and heavy discounts. Competing for the best prices, hotel discounts can go as high as 70%. At times, hotels offer value added services such as a free massage or a complimentary meal instead of cash incentives.

These deals can be tracked down on the internet. The package deals offered by different hotels are available on many websites in order of hotel ranking and aids comparison amongst individual deals. Even testimonials of visitors who previously stayed in these hotels are accessible. This makes it easy for customers to take a decision according to their location and budget requirements.

In short, searching for last minute hotel deals online is not much of a problem. It saves you a significant amount of money and helps you find an appropriate accommodation that meets your business and leisure needs.

Bill Simpson shows you how Internet can be used to get best last minute hotel deals for Sydney CBD hotels. Visit http://www.hoteldealscatcher.com/ to compare 100s of hotel online booking sites for free and get the best deal for yourself.

Bookmark this article using any bookmark manager! Subscribe to Bill Simpson's RSS feed using any feed reader!

EasyPublish? this article - publishers click here

More articles by Bill Simpson

yolo liquidmetal gsa scandal kelis dick clark dies ibogaine jamie moyer

Analysis: Investors turning to reinsurance for juiced returns

(Reuters) - Investors globally, from hedge funds to retirement systems, are looking to an obscure corner of the insurance industry to boost returns and avoid some of the swings that have plagued stock and bond markets in recent years.

Their attention is focused on the reinsurance sector, which covers insurance companies looking to unload risk, attracted by its market-beating returns and low exposure to faltering economic growth in the United States and Europe.

Big-name hedge fund managers like Dan Loeb, Steve Cohen and John Paulson are putting money directly into the market by setting up reinsurance companies just in the last six or so months, taking on risks with their own capital in a bid to juice their returns.

More conservative investors like pension funds are fueling booming demand for specialized notes called "catastrophe bonds," which offer an income in return for agreeing to pay some of an insurer's claims if a hurricane or earthquake strikes. No less an investor than PGGM, the Dutch administrator with $154 billion in assets under management, is moving into the sector.

Hedge funds have been starting up reinsurance companies for years, but the recent moves by high-profile managers suggest a fresh influx could be on the way.

"You're going to see a lot more funds enter into this space, it's going to be ones with large amounts of capital. This is just a good place to invest money," said Andrew Schneider, chief executive of consultancy Global Hedge Fund Advisors.

RIDING A WAVE

Investors hope to benefit from rises of up to 100 percent in catastrophe reinsurance prices after disasters including Japan's Tohoku earthquake inflicted a $116 billion loss on insurers in 2011, the industry's second-worst catastrophe year on record.

Insurance and reinsurance prices typically jump in the wake of big payouts by the industry as less well-funded players are forced to retrench, freeing those still in the market to charge more.

Past catastrophes like hurricanes Andrew and Katrina and the 9/11 attacks have also spurred hedge funds, private equity investors and investment banks to jump into reinsurance.

"People want to come into the market when premium rates are increasing and there are profits to be made," said Clive O'Connell, head of the London office for the insurance-focused law firm Goldberg Segalla.

Fund manager David Einhorn's Greenlight Capital Re opened shop in July 2004 and went public in May 2007. It has been profitable in every year since its founding except 2008, earning more than $310 million in aggregate.

One extra bonus: hedge fund managers like Einhorn can look after the investment portfolios of the reinsurers they start up, resulting in returns from both successful underwriting, and fees from running the reinsurer's money.

"The stars are aligning for change," said John Berger, the reinsurance industry veteran whom Loeb tapped to run his venture TP Re. He cited past periods like 2001 when the industry was low on capital and weak on pricing, and then a sudden event like 9/11 changed the market radically.

Some are skeptical that new-found enthusiasm will translate into significant long-term investment, though, especially those with a history of seeing interest in the sector come and go.

"There are people having a good sniff around, but that's different from getting out the check book," said Stephen Catlin, chief executive of Bermuda-based insurer Catlin , operator of the biggest syndicate at Lloyd's of London .

PENSION POWER

The publicly traded catastrophe bond market, with a capitalization of about $13 billion, is still tiny. But managers of cat bond funds say it could be on the cusp of dramatic growth, driven by increased interest from the pensions industry.

Insurers issued a record $2 billion of the instruments in the first quarter, and last month, state-backed Florida Citizens placed a $750 million bond, the biggest ever sold in a single tranche.

Growth is greater still in the private insurance-linked securities market, which includes a range of cat bond-style deals negotiated directly between insurers and investors. That market could be worth another $25 billion, fund managers say.

"There's a lot of money coming in, and a lot of interest," said Urs Ramseier, a partner at Zurich-based fund manager Twelve Capital.

"The main investors are really pension funds because they like the diversification."

Retirement schemes increasingly see cat bonds, insulated from financial market downturns, as a good way of counterbalancing their exposure to regular stocks and bonds, which have seesawed violently since the 2008 financial crisis.

They are also lured by the instruments' eye-catching yields, which have risen to between 5 and 7 percent on average in the wake of last year's disasters. That is well above the low single digit returns typically available on government notes or high-grade corporate debt.

"We have made some additional allocation to the catastrophe bond market because of the very attractive issuance yields that are offered right now," said Eveline Takken, who oversees 1 billion euros of cat bonds and other such notes at PGGM, the Netherlands' second-biggest pension fund manager.

"I get the feeling that people are taking an increased interest. I do feel the market will probably grow more in the next five years than it has in the last five years."

PGGM, which manages assets worth 121 billion euros ($151.69 billion), is hiring more insurance experts to shape its cat bond investment strategy, Takken added.

Fund managers welcome all of the attention from the likes of PGGM, but it has created a high-quality problem for them as well - they need more product to sell to satisfy demand.

"One of the challenges of the asset class is scale now that we have a lot more pension funds interested. They have a lot more capital to invest," said Phil Lotz, chairman of asset manager Juniperus Capital. "We're going to expand our fund offerings so that we can create some different alternative structures for investors."

(Reporting by Ben Berkowitz in Boston and Myles Neligan in London; editing by Edward Tobin and Matthew Lewis)

dancing with the stars winner too short thanksgiving thanksgiving brining a turkey brining a turkey who won dancing with the stars 2011