Category: Health Insurance, Health-care Policy, Healthcare Reform, Insurance, News
Source: http://mylocalhealthguide.com/2012/12/30/how-health-insurance-costs-have-risen-infographic/
Monday, December 31, 2012
Foursquare To Start Using Full Names, Sharing More Of Your Data With Venues From January 28, According To New Privacy Policy
Foursquare — which this year passed its three-millionth check-in, added 15 million more users to its network, and in October kicked off a new chapter as a stronger competitor to Yelp with more local information and reviews — is now updating its privacy policy to keep up. It has been sending out an email to its users informing them that as of January 28, it will add in two new items that will reveal more user data than before: the use of full names and the ability for businesses to access longer data logs for individuals. And, perhaps taking a cue from all the drama around Instagram and Facebook’s recent changes to their terms of service, the location-based social information app did two other things: it picked the Saturday evening between Christmas and New Years (when we’re all still full of good cheer) to tell users about it (mine came into my inbox at 4.37AM London time, although Phandroid seems to have noticed it earlier); and it is once again pointing users to its simplified explanation of its terms — called Privacy 101?– to help explain it. Both of the changes are a signal of how Foursquare is beefing up its big data offering: more information being shared with more people — and importantly, businesses as part of Foursquare’s local-commerce dashboard play. The explanations in the email, printed in full below, are a little more nuanced: “Full names.” Foursquare says that from the end of January, users’ full names (not necessarily real names, though) will show up with each of your check-ins, available for all to see. Foursquare implies that it’s making the change to be less confusing: it’s been providing full names already, which come up when you search for your friends on the Foursquare network, but “when you click through to their profile page you don?t see their last name.” These have prompted comments from users saying this is confusing. But, important to note here that Foursquare makes a point of noting “full names” in quotes. If you don’t want your full name on the network, it notes that you can update your own settings to set whatever “full name” you want. Extended user data for businesses. Again, here Foursquare is couching the change as a move for more practical use: it says that businesses in the past were only able to view the last three hours ofSource: http://feedproxy.google.com/~r/Techcrunch/~3/XvxT7lTZFP4/
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NRA Blames Violent Video Games for Newtown, But Partnered Wi ...
 J.L. A. (72) | Friday December 28, 2012, 8:46 am Mother Jones
By Tim Murphy | Fri Dec. 21, 2012 10:42 AM PST In his first public comments since last Friday's shooting at a Newtown, Connecticut elementary school [1], National Rifle Association CEO Wayne LaPierre sought to place the blame for gun violence where it truly belonged: the makers of video games. "There exists in this country a callous, corrupt and corrupting shadow industry that sells, and sows, violence against its own people through vicious, violent video games with names like Bulletstorm, Grand Theft Auto, Mortal Kombat and Splatterhouse," LaPierre said. But LaPierre's speech left out a key detail: His own organization has a video game, too. It's called NRA Gun Club, it was released in 2006 for PlayStation 2, and according to the top-ranked review [2] on Amazon, it "could very well be the single worst game in the history of games." The game, which was rated "E" for kids 10 and older, featured a handgun on the cover with four bullets and consisted entirely of various target-shooting exercises. Gamers can shoot inanimate objects like watermelons, bottles, and clay pigeons, using one of over 100 different kinds of brand-name, licensed firearms like Beretta. NRA Gun Club didn't have the kind of blood-and-guts violence LaPierre specifically attacked in his speech?but it was made by a company that makes its money off exactly that. Crave Entertainment, which produced NRA Gun Club, also released a game called Trigger Man, which, as the name suggests, is about a mob hit-man. IGN notes [3] that as part of the game, players "will need to outfit themselves with the tools of the trade from body armor and over 14 weapons, to silencers to make the 'hit.'" Another release from Crave is Bad Boys: Miami Takedown. As you could probably guess from the Will Smith movie that inspired it, there's a lot of shooting?and not of the clay pigeon variety:
On the other hand, if the reviews were any indication, NRA Gun Club may have been its own form a gun control. As Ed Lewis wrote [4] for the gaming website IGN, "The only time that this game inspired me to want a real gun was when I took the disc out of my PS2. Seeing this digitized crap explode into a hundred silvery slivers would have been the only bit of satisfaction it could ever deliver." Or as Game Spot's Jeff Gerstmann put it [5], "you're bound to rip the disc out of your PlayStation 2 and fling it across the room almost immediately after putting it in."
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 Arielle S. (253) | Friday December 28, 2012, 10:18 am I like the Ed Lewis comment! Your report has been submitted to Customer Service. Thank you. There was a problem submitting your report. Please try again later. ? |
 Kit B. (304) | Friday December 28, 2012, 10:41 am Video games designed by the NRA are apparently exempt from critique. I tend to agree that far too much violence has become acceptable in our daily lives, whether it is video games, movies the way the media uses violence to tell a story, we accept violence as a norm. Owning more guns is hardly an answer to that current phenomena, not buying the games or the movie ticket, changing the TV channel or hitting them all where is actually hurts in the cash register, is more apt to change society. If violence does not beget violence than perhaps we as a society should quickly find out what does and begin to implement more peaceful ideas. Your report has been submitted to Customer Service. Thank you. There was a problem submitting your report. Please try again later. ? |
 Michael Kirkby (43) | Friday December 28, 2012, 12:14 pm What a small, small world. Create the problem; supply the needs for exacerbating it; offer solutions that really aren't solutions. In creating both the problem and the solution you can maximize profit to the extreme; all the while increasing the collateral damage done. Your report has been submitted to Customer Service. Thank you. There was a problem submitting your report. Please try again later. ? |
| J.L. A. (72) | Friday December 28, 2012, 12:23 pm Me, too, Arielle.You cannot currently send a star to Arielle because you have done so within the last week. Domestic violence research tells us family/partner violence begets family/partner violence in the next generation Kit--so at least some kinds of violence beget violence. Perhaps propagating peaceful and humane methods of human relations and conflict resolution is the best model we have to start with implementing, to be refined as we learn more (e.g., being pro something instead of merely anti-gun violence). You cannot currently send a star to Kit because you have done so within the last week. Excellent pattern identification Michael! Following the money so often is the key to explaining phenomena. You cannot currently send a star to Michael because you have done so within the last week. Your report has been submitted to Customer Service. Thank you. There was a problem submitting your report. Please try again later. ? |
| Kit B. (304) | Friday December 28, 2012, 1:23 pm We may know that violence begets violence but we don't show much effort in changing that known fact. We still focus on men being violent to resolve problems. Your report has been submitted to Customer Service. Thank you. There was a problem submitting your report. Please try again later. ? |
 Allan Yorkowitz (53) | Friday December 28, 2012, 1:51 pm LaPierre's statements have long been criticized for their stupidity. While violent video games are unnecessary, and basically stupid, they had nothing to do with the tragedy in Conn. How to resolve the issue of issuing guns to unstable people remains a huge concern. YET, Lazar, who did not own a gun, used his mother's on his rampage. Where are the answers? Your report has been submitted to Customer Service. Thank you. There was a problem submitting your report. Please try again later. ? |
| J.L. A. (72) | Friday December 28, 2012, 3:37 pm Sad but true Kit. Allan, changing people's perceptions like the mother's on the need to have a personal arsenal perhaps. Your report has been submitted to Customer Service. Thank you. There was a problem submitting your report. Please try again later. ? |
 Hayley C. (5) | Sunday December 30, 2012, 10:36 am Thanks Your report has been submitted to Customer Service. Thank you. There was a problem submitting your report. Please try again later. ? |
| Aaron Bouchard (3) | Sunday December 30, 2012, 11:31 am Noted thanks Your report has been submitted to Customer Service. Thank you. There was a problem submitting your report. Please try again later. ? |
 Louise D. (27) | Sunday December 30, 2012, 2:07 pm The NRA really know how to dig themselves into a hole; a gun massacre happens they say more guns are the solution then they blame everything but the fact that the NRA is hypocritical in the extreme especially when it backed the stand your ground laws which has resulted in the deaths of unarmed people simply because they met a guy who did have a gun. When Piers Morgan made his comments about guns, people want him deported, in 2011 there were 12,664 murders in the US. Of those, 8,583 were caused by firearms. his Teddy bear. It's a culture that has been promoted for commercial purposes. When the NRA uses the tired slogan "Guns don't kill. People do". That speaks about their cowardice in protecting their own interests over the precious life of the innocents in Newton and as for the violence in Mexico, it would not have been as intense as it has been if the guns from the US were put to and end. Your report has been submitted to Customer Service. Thank you. There was a problem submitting your report. Please try again later. ? |
| Colleen L. (2) | Sunday December 30, 2012, 4:01 pm I've hever cared for toy guns or video games. Teaching violence isn't smart. Parents play a role in that, since they are the ones that buy these toy guns and video games. Regarding the tragedy, we all must remember that this tragedy shooter, had many problems. He was brought up with parent that allowed guns around him and even took him to practice, He had mental problems...a loner that stayed in a room playing with these violent games. We may never know what triggered him to snap, buy one thing we need to teach the kids of today, is that guns are dangerous. That killing isn't something they or anyone else should do. That if they have problems to talk it out with their parents or a friend... not hold it in. Then the person who they confide in can help get them help. Hopefully to prevent this type of tragedy ever happening again. Thanks J. L. Your report has been submitted to Customer Service. Thank you. There was a problem submitting your report. Please try again later. ? |
| Lois Jordan (33) | Sunday December 30, 2012, 4:19 pm Noted. That's some kind of steelballs, blaming violent video games while producing your own. Your report has been submitted to Customer Service. Thank you. There was a problem submitting your report. Please try again later. ? |
Source: http://www.care2.com/news/member/663679641/3506759
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Saturday, December 29, 2012
Wait! Government did cause the housing bubble.
Congress's Community Reinvestment Act, aimed at helping the poor afford housing, did lead banks to make much riskier mortgage loans, a new study finds.?
In this 2011 file photo, a foreclosed house with sale pending sign is shown in Tigard, Ore. A new study finds that government incentives fueled the subprime lending boom and the housing bubble.
Don Ryan/AP/File
EnlargeAustrian business cycle theory explains the general pattern of the boom-bust cycle ? credit expansion, lowered interest rates, malinvestment, crash, liquidation ? but the particulars differ in each historical case. (Austrians sometimes?distinguish??typical? from ?unique? features of each cycle.) To explain particular episodes, we appeal to specific technological, regulatory, political, legal, or other conditions. For example, in the 1990s, much of the malinvestment was channeled into the IT sector, where uncertainty driven by rapid technological change made entrepreneurs particularly susceptible to forecasting?errors. In the 2000s, of course, malinvestment appeared largely in real estate, the result of government programs designed to relax underwriting standards and otherwise increase investment in particularly risky real-estate assets. In other words, ABCT tells us to look for malinvestment during the boom, but not where that malinvestment will show up.
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Regarding the latter example, however, there has been a persistent dispute among mainstream economists about the role of government housing policy, particularly the?Community Reinvestment Act?which was used, in the 1990s, to make banks increase their lending to particular low-income neighborhoods.?Paul Krugman?asserts,?for example, that the ?Community Reinvestment Act of 1977 was irrelevant to the subprime boom.? Actually, no. A?new NBER paper?(gated) on the CRA is causing quite a stir. Authored by four economists from NYU, MIT, Northwestern, and Chicago, the paper is the first to use instrumental-variables regression to distinguish changes in bank lending caused by the CRA from changes that would likely have happened anyway. (The authors use the timing of loan decisions relative to the dates of CRA audits to identify the effect of the CRA on lending.) The results suggest that CRA enforcement did, contra Krugman, lead banks to make substantially riskier loans than otherwise.?Raghu Rajan?puts it in a very Austrian-sounding way:
Friday, December 28, 2012
Internet Marketing Tips That Anyone Can Follow. - Maynas Eric
To attract the potential customers you need and the higher sales you want, Affiliate marketing is an essential. You?ll learn some great tips about Affiliate marketing in this article. By following these suggestions you will have an increased chance for marketing success.
Take time to learn web design basics. There is a lot of HTML information online to help you learn web design. Dedicate a certain amount of time each day to learning web design and your website will be reaping the benefits before you know it.
You can increase your success at Affiliate marketing by creating a viral video with tags and uploading it. These videos can be backlinked to your site to increase exposure. This can help boost the number of visitors on your site regularly.
TIP! Viral videos can be an enormous help for generating traffic. Viral videos can be difficult to create, but when you strike it big you?re looking at view counts in the thousands or millions.
Try asking for feedback from customers who don?t buy anything. Ask them what you can do to get their business. There are many reasons people choose not to purchase a product.
Think about hosting a one-dollar sale for new clients. These things will help people spread the word about your company, while introducing your product or service to more people. You never know, you just may sell additional products too, once they come to your site. Increasing the traffic to your website will lead to an increase in sales.
The placement of ads is one of the simplest, yet most productive forms of Affiliate marketing. You can achieve this by using Google?s AdSense. For your effort and the reasonable cost, this is one of the best bargains around.
TIP! If you are good at writing, write an article about your business and submit it to magazines that accept submissions. Make sure you include your business information and website information in your articles.
Regular blogging can really infuse your affiliate marketing with success. A blog is a convenient tool for informing customers about new products and promotions. Also, a blog makes your website larger, making it more visible to search engines and increasing the number of visitors to your site in the long run.
One way to provide high-quality content and advance your Internet promotion goals is to secure interviews with respected authorities in your website?s niche. Audio and video can be used to write or make these interviews. Your interview will increase your own reputation through osmosis, and really high-profile interviewees will bring along fresh visitors with them, boosting your website?s traffic.
Stay on track with your advertising budget. You don?t want to waste money on something that is of no benefit to your business. When investing, you need to be sure that you?re going to get what need from it. That is why advertising using banners is a wise investment.
TIP! Knowing your competition is vital in internet marketing. There is competition for every niche that you could possibly work in.
Direct marketing is complementary to any Web marketing campaign. Get in touch with customers, via phone or email, to let them know about the specials you are offering. A local phone book or online directory can be an invaluable source of information as you prepare to contact customers.
In your online advertising, use words such as ?special edition? or ?limited edition?. People are especially interested in obtaining exclusive merchandise. Using those descriptions can entice prospective customers to make a spontaneous purchase.
A press release might help you to increase traffic, and it is a fantastic way to market your brand. Informative press releases that are clear and concise can help establish what you are offering in a professional way. This can elevate the quality of your product and increase your visibility.
TIP! If using images on your site, always include captions. Search engines factor in the relevancy of your caption text when determining if your site is a good fit for the keyword.
Creating an effective user interface where customers can view your products is important for variety and overall success. Be sure to offer plenty of ways for people to check out your products, while still properly organizing your site.
If you?re writing articles to market yourself online, stay focused on your goals. Know what kind of content you want to promote and make every effort to get your messages out clearly. Directories have different needs; some might want short articles, while others require long ones. With these goals and guidelines, you will be able to have excellent submissions.
Try offering incentives for referrals! Offer a freebie for a certain number of referrals to turn that one sale into multiple sales. People love free and this can get more traffic your way.
TIP! Design your website according to the best web design principles and fill it with valuable content. Your site or blog will be at the center of your online marketing efforts.
Your website needs to be as effective as possible in order to increase your marketing success. Make sure that your site is easy to read, contains engaging information and answers to questions visitors may have. Naturally, visitors stay longer on websites that they find attractive, interesting and useful.
Consider implementing mobile marketing in your business. Let visitors sign up for text alerts that will inform them of a big sale. It is an innovative way to reach a broader audience, while they are on the go.
A spot dedicated to reviews from customers is a great idea for your site. Customers like to post their actual experiences with your products and these can provide you with new sales, too.
TIP! You always have to have the evidence ready to back up any claims that you make in your marketing efforts. A lot of people simply don?t believe what they read.
Power up your internet promotion! Always keep your primary goal in mind when creating a landing page, and make sure that objective is apparent. The landing page should be focused on sales. It should be obvious to the viewer what it is that you are selling as soon as they arrive on the landing page! If the first page a visitor sees is overly complicated and hard to navigate, they will click away in the blink of an eye.
As mentioned earlier, your company can see a great increase in visibility through Web marketing. When regular advertising doesn?t give you the exposure you desire, Website marketing is a handy tool. A well-crafted online campaign can and link you to ideal customers all over the world, and using the tips you?ve just read can help you get started.
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Source: http://www.maynaseric.com/internet-marketing-tips-that-anyone-can-follow
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Hafeez says Mohammad Irfan was a surprise package ? Cricket ...
Hafeez says Mohammad Irfan was a surprise package ? Cricket News Roundup ? Part II ? December 26, 2012
Pakistan skipper Mohammad Hafeez was happy with the way debutant pacer Mohammad Irfan bowled against India in the first T20 International?here in Bangalore, which the tourists won by five wickets.
Mohammad Irfan, the 30-year-old Punjab paceman, who was given an international chance by the PCB selectors two years after making his ODI debut in England, returned with figures of 1 for 25 against India. Though Irfan failed to claim more wickets, he played a key role in restricting the opposition openers, with some tight bowling at the start of India?s innings.
"It is a great effort as we wanted to do well at the start of the series. Mohammed Irfan was the surprise package for us and everybody," said Hafeez at the post-match presentation ceremony on Tuesday night. "We knew that we had a good attack with Umar Gul who has always been good with the old ball. Our bowlers restricted India where we wanted them to," he added further.
Indian skipper Mahendra Singh Dhoni on Tuesday rued his middle-order?s inability to capitalise on the good start provided by the openers Gautam Gambhir and Ajinkya Rahane in the first T20 of the two-match series against Pakistan, which his side lost by five wickets.
After being put into bat, Gambhir (43) and Rahane (42) started cautiously, taking the side to 77 without loss in 11th over. However, once the duo departed, India's middle and lower order was badly exposed by the Pakistan bowlers. The last seven wickets of India fell for just 30 runs, as the hosts faltered from 77 for none to 133 for 9 at the end of 20 overs. No other batsmen could get past the 10-run mark.
"The batsmen got out trying to play big shots. We could have easily scored 200 if we had applied ourselves," Dhoni lamented at the post match press conference.
Pakistan? batting great Hanif Mohammad, on Tuesday lavished praise on Indian batting prodigy Sachin Tendulkar, describing him as the best batsman he has seen in his life.
The 78-year-old former Pakistan Test cricketer also rated the 39-year-old Maharashtra batsman better than the Australian batting great Sir Donald Bradman.
"I am one of those fortune people who have seen Bradman and Tendulkar bat in my lifetime and in my opinion Tendulkar is the best batsman I have seen in my life," Hanif, a veteran of 55 Tests, told media reporters here in Karachi on Tuesday.
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Thursday, December 27, 2012
MintLife Blog | Personal Finance News & Advice | To Give or Not to ...
Like any good frugal type, I?m plenty conflicted about holiday gift giving on all sorts of levels.
To begin with, I?m Jewish, but as you read this, I?m pulling presents out from under the Christmas tree. (Actually, I?m fine with that part.)
The more I think about the practice of exchanging gifts in modern society, the more it looks like the physical manifestation of a social media stream: highly calculated but usually misguided attempts to demonstrate one?s own cleverness and importance.
Even gifts given in a highly altruistic spirit usually fall short. I?m no exception: I give plenty of dumb gifts.
I?d assumed this was a caveman way of looking at things, but every December, my wife rereads a small book called?Scroogenomics: Why You Shouldn?t Buy Presents for the Holidays.
The book, by an economics professor named Joel Waldfogel, makes a simple argument:
1. Most gifts are (at best) not quite what the recipient wanted.
2. In other words, the recipient would be happier to have the cash value of the gift rather than the gift itself.
3. On average, therefore, giving gifts is a waste of time and money compared to just giving cash or charitable donations. Gift-giving actually destroys economic value by turning money into unwanted stuff.
4. This is not just academic thumb-twiddling: huge numbers of people go into credit card debt every year in order to fund their holiday shopping.
Here?s an example. I enjoy buying clothes and am picky about how they fit. Legend has it my parents are buying me a pair of pants for Christmas. (Hi, Mom! It?s me, your ungrateful wretch.)
Unless they?ve discovered some top secret pants breakthrough (parachute pants with actual built-in parachute? MC Hammer pants with actual built-in?never mind), giving me pants is silly compared to giving me cash to pick out my own pants.
Hmm, ?pants breakthrough? doesn?t sound good at all, does it?
There is a perfect type of purchased gift, as rare as a unicorn. It?s the gift that the recipient absolutely loves and would have bought for herself but?had no idea it existed.?
How often have you given or received a gift like this? Not often, I?d wager, and it?s getting harder to pull off, because every cool thing on earth gets linked up on Twitter or Pinterest long before the holidays.
Sweet and green
What?s wrong with cash, anyway?
I understand that, like social media updates, gift-giving is all about what economists call?signaling.?The gift itself isn?t the point; the point is to demonstrate how much we value someone by sacrificing our time and money, and demonstrate how well we know them by selecting an appropriate gift.
That sounds like an argument against Waldfogel?s thesis, but it?s not. Wanting to show our friends and family that we care about them is a nice impulse. No one short of the Grinch is opposed to that.
But showing our love by giving people stuff they don?t need or want, just because that?s what we?ve always done, is ridiculous.
What?s wrong with cash, anyway? We?ve created a massive and wasteful gift card industry just so people don?t have to shamefully hand each other envelopes full of twenties (or submit electronic bank transfers), even though any sane person would prefer cash to a gift card.
The stigma against giving cash is strongest when it comes to gifts from younger generations to older ones. This makes perfect sense: if I gave my parents cash for Christmas, I?d be implying that they needed a handout.
My parents don?t need a handout. They are comfortably retired and don?t need me to give them $50. But that means they don?t need anything I could buy them for $50, either. (Why do I keep picking on my parents? Apparently I have issues.)
My brother likes beer. We were going to give him a special bottle of beer and a $20 gift certificate to a beer shop. But we reconsidered: we?re giving him the bottle and a $20 bill. Somehow I doubt he?ll be disappointed.
The greatest gift of all
The greatest gift of all is a smile in the heart of?nah, I?m kidding. Sort of.
The ultimate gift would be something the recipient wants but can?t buy for himself, and which costs very little money to provide. I feel like a sentimental idiot even saying something so obvious, but the thing that best fits the bill is a child?s drawing.
One of the best gifts we ever gave my dad for his birthday was a cartoon about him that my daughter and I drew. It?s displayed prominently on my parents? wall.
For adult-to-adult gifts, however, I?m really not sure what to do. There?s no way to explain why you?re not giving someone a gift without being a jerk, unless you?re an economics professor and everybody already thinks you?re a jerk.
This year, I stumbled on services like?Giftly?and?GiftRocket,?which let you give thinly-veiled cash. The recipient gets what looks like an electronic gift card for a particular restaurant or store, but it?s immediately redeemable for cash.
You could give this to an older relative without shame, I think, but should you? It still means demonstrating your love by giving cash to someone who probably needs the cash less than you do.
My wife writes letters by hand, which is a great gift for a certain type of person, but anyone receiving a handwritten letter from me would assume the Internet was broken.
My goal isn?t to be the dark cloud over your holiday celebration. This is a mea culpa: my family spent 25% less on the holidays this year than last year, but we still spend too much, and I?m a big part of the problem: I make sure those stockings are?stuffed.
Diverting most of our gift budget to charity would make a lot of sense. Getting there without being sanctimonious?or downright Scroogey?is the tricky part.
Matthew Amster-Burton is a?personal finance?columnist at Mint.com. Find him on Twitter?@Mint_Mamster.
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Wednesday, December 26, 2012
Calvin: Search Engine Marketing Internet Hosting And Class C Ips ...
Web hosting companies give their clientele a large collection of alternatives, although the good suppliers stay ahead of your pack by featuring the most up-to-date technological enhancements directly. Cyberspace is instantly being a true multimedia practical experience, and that means that a bit more than easy to understand text incorporation. For numerous web site homeowners and internet businesses, the benefits of the internet host that gives service for audio and video streaming are worth it around the considerably less enhanced competitors. Does your webhosting supplier assist video and audio streaming? Otherwise, you may hope to modification for your next reasons:
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Audio and movie streaming can help you and also other customers discuss information which might be beneficial in some way. As you discuss it might imply the primary difference among a sale together with a no-sale. Or perhaps you only want to be practical to people that are near to you. Also, you will reward personally and professionally due to the kindness of other individuals. By accessing audio and online video streaming articles and other content on your internet hosting platform from other people, you are able to master a good deal more and integrate people specifics in the foreseeable future development of your respective information site.
Audio and video streaming allows for a more visually energetic working experience. Tons of people develop tired of limitless partitions of texts and also the irregular photograph. Mix it up some by bringing audio and video subject matter towards your websites, therefore you may be doing all of your end users a favor, not to mention yourself, considering a 5-minute video clip or audio file routinely usually takes a lot less time and energy to produce than an in-depth brief article. It really is all about rendering it more convenient on by yourself and your people.
Questions To Ask Your Internet Hosting Service Provider can present you with highest possible facts for Utilizing Web Hosting Services Benefits And Perks.Please visit the post for more data!
Source: http://www.welcometocoastcity.org/search-engine-marketing-internet-hosting-and-class-c-ips.php
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Source: http://calvinchristen.blogspot.com/2012/12/search-engine-marketing-internet.html
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robertjump: Most Popular Diets of 2012 | Health and Fitness ...
Most Popular Diets of 2012
Michael Phelps' 12,000-calorie-a-day training diet and Beyonce's maple syrup cleanse may top Google's list of the 10 most-searched diets of 2012, but the popular website Diets in Review.com found that when people want to get serious about weight loss, ?
See all stories on this topic ?
Source: http://health-fitness.holidayinndeals.net/?p=2297
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Source: http://robertjump15.blogspot.com/2012/12/most-popular-diets-of-2012-health-and.html
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Chevron buys Encana's stake in BC project
NEW YORK (AP) -- Canadian natural gas producer Encana Corp. said Monday it will sell its stake in a British Columbia project to Chevron Corp.
Chevron Canada will buy Encana's 30-percent stake in the Pacific Trail Pipelines project, and 32,500 acres of land in northeastern British Columbia. The Chevron unit will also take over Encana's processing commitments. The companies did not disclose terms.
Chevron said it is also buying EOG Resources Canada's interest in the project. After the deals are complete, Chevron Canada and Apache Corp. will own a 50 percent stake in the project and in the pipeline.
Shares of Encana lost 11 cents to $20.14 in morning trading, and Chevron stock lost $1.14 to $108.57.
Source: http://news.yahoo.com/chevron-buys-encanas-stake-bc-153924846.html
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The Most Powerful Marketing You Can Use In Your Business - An ...
Posted by James in Interview, Podcast, Product launch, Video
Podcast: Play in new window
Brenton Ford is not your typical Internet marketer. He has diligently applied James Schramko?s news blog process called OTR to his unique field of business with great results. Listen in and learn how Effortless Swimming improved sales and popularity by owning the racecourse.
Featured in the podcast:
00:23 ? Not the typical Internet marketing business
00:51 ? Applying Internet marketing to swimming
01:06 ? Website and digital products based on Own The Racecourse principles
02:32 ? News blogging strategy works even for non-Internet marketing industries
02:48 ? Weekly video with tips and news about Effortless Swimming
03:59 ? Increased email communication
06:22 ? Typical OTR process for Brenton
07:25 ? A single video a week already gets great results
09:46 ? Challenges encountered in the process
12:10 ? Essentials for an online business
Leverage your business,?Get OwnTheRacecourse and learn how
James:??????????????????James Schramko here with Internet Marketing Speed and my guest today is Brenton Ford, welcome Brenton.
Brenton:????????????? Thanks James thanks for having me on.
James:??????????????????It?s my pleasure. Now I?m interested in talking to you and I?m doing this beside my pool today and there?s a reason for that. It?s because of your business. You?re not in the typical internet marketing space. You?re in a different industry all together. Would you like to tell us a bit about what you?ve been doing online?
Brenton:????????????? Yeah, well last 3 ? 4 years I?ve built an online based business around swimming and teaching trackletes and swimmers how to swim faster. So it?s not your typical internet marketing, make more money online, type of business I guess.
James:??????????????????Right. You?ve been applying some of the things that we talk about on Internet Marketing Speed such as video marketing and podcasting and membership sites. Can you give us a little helicopter view of what your business looks like at the moment?
Brenton:????????????? Yeah well I started out with one product, one website and not much of an idea of what a business looked like. I had a website but it wasn?t a business. But meeting you a couple of years ago, you taught me how to build a business from my knowledge and what I knew so I?ve sort of built this thing out to encompass a lot of things but based around the?Own the Racecourse?thing that you?re teaching at the moment so I?ve got a number of different products. They?re digital products, they?re not DVDs, they?re not physical, they?re all digital download. I?ve got a membership site. I?ve got another recurring product as well. A lot of similar stuff to what you?re doing I guess. It?s just building up the whole business with an email list, a blog and doing weekly videos and having more than just a website I guess and having a proper business.
James:??????????????????Alright so with Own the Racecourse, you?ve referenced that as a course that I put out and you actually attended a workshop that we did where we stepped through how I was applying that to my business. Would you say that the strategy that I?ve deployed there with the news blogging is suitable to non-internet marketing industries?
Brenton:????????????? Yeah, absolutely. I?d say it works tremendously well in industries that aren?t internet marketing. What I started 3 or 4 months ago after I saw you doing it and you made a suggestion to try it was every week, on a Monday, I film a video where I give away a few tips about swimming and I talk about what?s going on with?Effortless Swimming?which is my business and I let people know about any new products or clinics or it?s just basic news about what?s happening in the business and in October the business had its biggest month by 45% largely because of this Own the Racecourse system. So I?ve been doing that for the last 3 ? 4 months and the email list has grown tremendously. I?m not sure exactly how much but it?s up to 4 ? 5,000 subscribers, the Facebook fan page is up from 4,000 about 2 months ago to about 15,000 and I?m getting a lot of people email me asking for coaching services and getting a lot more sales and that sort of thing and it?s all by building my personal swimming coaching brand through these videos and through these weekly videos that I?m putting out.
James:??????????????????Are you contacting your customers more than you used to contact them?
Brenton:????????????? Earlier this year I don?t think I sent out an email for 3 or 4 months. Because I didn?t want to bother my customers or bother the people on my email list. But in hindsight that probably wasn?t the best move and I?ve been sending out an email ever week or every couple of days depending on what list they?re subscribed to. But the amount of replies I get to my emails has increased because people are thanking me for the videos, they?re asking me questions about their technique and about the products. I haven?t had 1 person say to me that you?re emailing me too much. They?ve all thanked me and told me that they?re looking forward to these videos coming out each week. It?s counter intuitive to what I thought would be the case where people were sick of hearing from me but because I?m not sort of pushing things on people, I?m just giving them some helpful tips that they can implement for the week. It?s really been a different result to what I was expecting.
James:??????????????????Right, so if I?m reading between the lines here, you have overcome your trepidation to email your customers and you no longer fear that they?re going to leave your list because you can feel good about giving them more and more value. Like the more often you contact them, the more good stuff you?re teaching them that?s going to help them with their swimming.
Brenton:????????????? Yeah that?s the thing, because I was used to all these internet marketers who every week or every day it?s a different offer for a different product. And that?s not the type of business I want to be running. I was sort of thinking, well that?s the only way that you can email customers every day but turn that around. Give them something that they can use, not something that they should buy. Just give them free tips, free news and they?ll appreciate it.
James:??????????????????Well word on the street is that some of these internet marketers have been adopting the?Own the Racecourse strategy?in the last few months. So it should be interesting to see these patterns crop up. So just for a listener who might not be familiar with an Own the Racecourse strategy, could you just step us through like your typical weekly schedule. Like what do you actually do once a week with your blog or your news outlet? Like what are the steps for them?
Brenton:????????????? If I was to do nothing but the Own the Racecourse model which is every Monday, I will get out my camera, I?ll take it out to the kitchen and I?ll plug in my microphone, I?ll grab the whiteboard, I write down 4, 5 or 6 points that I want to talk about and then I hit record, I?ll go through those couple of points, I?ll stop the recording, take out the SD card, put it in my computer and edit the video and then upload it to YouTube. Then I?ll send that off to my assistant over in the Philippines, Gwen. Hello Gwen out there, I?ll send her this recording. What she?ll do is she?ll get it transcribed, she?ll put together bullet points, and then she?ll upload it to the blog and then she?ll send that to me and then I?ll send that out to my email list. I?ll post it to Facebook, to Twitter, to Google+. If I did nothing but that for the week, I?d still get 80-90% of the results for the week I?d say just from doing that 1 video on a Monday. It really is the 10% work and 90% results.
James:??????????????????I?m glad you said that because some people say to me, ?Gosh that sounds like a lot of work but it makes so much sense.? Then I ask them, ?What other marketing they do to drive their business and really where I?ve got it to and where it sounds like you?ve got it to is if you do nothing other than pop out a video here and there, that that will actually continue to drive your business and not just drive it but grow your business bigger and it?s probably going to have a compound effect I imagine if the same thing that?s happened to me is you?ll build your audience and you start getting more comments and people find you in the different channels as well. You?re tapping into a few different places. Sounds like Facebook?s really kicking and your YouTube channel I imagine would get embedded and shared occasionally by other people.
Brenton:????????????? Yeah that was the thing. I got off the phone to someone who I did a podcast with today and he said to me, ?How on earth have you got this video onto so many different websites?? because he must have come across it on some triathlon or swimming websites. And all that is is other people are embedding the content onto their own websites. Because it?s good content, they want to share it and they want to I guess add things to their blog. So it?s not rocket science. But just doing the day in and day out things and doing this video every week, it?s really having a compound effect on sales, on the email list, on building authority and getting the (inaudible 09:09). It?s not hard. I wouldn?t call it work either. I enjoy making the videos. Every day I?m thinking of new things to talk about in the video and I?m kind of scratching to, itching to get out there in front of the camera to get this stuff in front of the people who watch the videos because I know it?s good stuff.
James:??????????????????What sort of challenges have you had in setting up this new system apart from your own fear that people might say, ?Hey look, you?re sending me too many emails but have you had any technical challenges or major fears or obstacles to overcome?
Brenton:????????????? Nothing too major. I mean, I was pretty rubbish in front of the camera to start with. I was pretty serious. I got told by someone that I looked like I was in front of a firing squad. So maybe smile a bit more. Yeah, that was good advice. I tried to smile more since then. But it?s gotten a lot easier and initially when I started my business, you see the internet marketing business where it?s a guy sitting behind his computer making all this money and no one knows who he is. So he?s this underground type of guy. That?s sort of what I wanted to set up, in the beginning that?s what I thought was the way to go because I didn?t want to? I was afraid of being known out there. I?ve sort of changed that around and now I?m really putting my face out there and getting my name out there and people can relate that way. They?d rather deal with a person than a business especially in the swimming triathlon market. I had those sort of issues at the start. There are always technical issues like you might forget to turn the microphone, the SD card might be full so you need to record the video again, but just get it done and these technical issues become less and less as you get more experienced with it. But it?s nothing major. If the video quality is not that great at the start, I would just put out some not great quality videos, the content?s been good but the quality?s not great, but people would rather get the content than not receive it I think. It might look ugly but it does the job.
James:??????????????????Yeah, I?ve definitely put out my half-done videos before but I think people forgive you when you?re starting out on this and besides that, you don?t have as big an audience when you start but certainly as the audience grows, you can refine your technique.
????????????????????????????????You?ve been really generous sharing your story there, Brenton. I wanted to ask you, can you give the listeners some action steps. What can they take away from this? If they?ve got a website or they have a business, it may not be in the internet marketing space, maybe it?s a normal sort of business or they have customers who are in a traditional sort of business, what are the things that they should focus on first?
Brenton:????????????? If I looked at my business and I had to keep only a handful of things; it would be my website, so?EffortlessSwimming.com?which is the main website where I add these videos to each week. It would be my email auto responder. I use Office Autopilot but it doesn?t matter too much what system you?re using as long as you?ve got somewhere where you can collect people?s email addresses and keep in contact with them. It would be a Facebook fan page, it would be a camera, and a YouTube account. If I had just those things, I think I could do pretty well with the business. So if someone?s looking to increase their business or increase their revenue, get their name out there, build more authority in the market. Then just start recording a video once a week. Just write down a couple of points on a whiteboard, film yourself, put it out there, put it on your website, put it under Facebook and just start building this following because if you?ve got something to say, and you know what your market is looking for then they want to hear this kind of stuff. I was going on Facebook today and I saw a friend of mine who?s in financial planning. She put out an article that was on one of the websites that she writes for and I was just browsing on Facebook and I looked at this thing and I thought this is great so I sort of saved it to read for later because people want to consume content that they?re interested in. Put your fears aside, if you don?t want to get on camera and just do it. It might be painful at the start but it?s been so worth it for me and my business.
James:??????????????????Awesome. Now if people want to see what you?ve got going there and check out the swimming videos, learn how to swim better and eat better and get that sportsman brain, where can they go and have a look at your stuff?
Brenton:????????????? When you?ve got the million dollar house and the pool at the backyard from your internet marketing then head to?EffortlessSwimming.com?and that?s where I put all my content. You can check out what I?m doing in terms of the marketing side of things. If you?re a swimmer or triathlete then get in touch and we?ll improve your swimming so you?re not left behind on the swimming leg of your triathlons.
James:??????????????????Fantastic. Now I?ve just got another question. Actually I hadn?t planned this but what would you say to someone thinking about coming on board with SilverCircle?
Brenton:????????????? As you know I?ve been part of SilverCircle for, well I?m kind of thinking how long now, but it?s been over 12 months and what I get out of it is the accountability is great because every week we say what we?re going to do and then we reference that the next week to actually see what we?ve been through and then just your experience has sort of guided my business in the right direction and it?s kind of pushed me to do more than I would just by myself. For example running freestyle clinics and workshops. The very first one I ran I was so nervous about having 20-30 people in a room where I?m talking about swimming. But you just kind of encouraged me to go ahead with it and that was awesome. It got me over my fear of talking in front of 20-30 people about swimming and then also the other business owners in there and the forum. There are a lot of different businesses and a lot of experience in there. And you can throw around ideas and people will get back to you with what they know and what they?ve been through. It?s been responsible for driving my business tremendously and there?s no way I?m leaving it any time soon.
James:??????????????????Nice, well thanks Brenton I hope people go and check out your swimming videos. This is definitely the sportiest episode I?ve ever recorded. I can see a racing bicycle in the background there and the pool over here. Hopefully you?ve inspired some athletic? and it?s Christmas in Australia as well, for our overseas listeners. There?s the surf board for all the people in the snow right now. Thanks mate. Have a great week. I?ll catch up with you on the next call.
Brenton:????????????? Great! Thanks James.
James:??????????????????See ya!
Please leave your comments below:
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Source: http://www.internetmarketingspeed.com/product-launch/brenton-ford-interview/
Monday, December 24, 2012
Police probe motive in deadly Pennsylvania shooting spree
(Reuters) - Investigators are searching for a possible motive in a shooting spree that left four people dead in rural Pennsylvania, including two apparent neighbors of the gunman, state police said on Saturday.
The violence erupted on Friday when a man with a pistol fatally shot three people in Frankstown Township, about 100 miles east of Pittsburgh, before he was killed in a shootout with state troopers as he tried to flee in a pickup truck, authorities said.
Officials identified the gunman as Jeffrey Lee Michael, 44.
Pennsylvania State Police spokesman David McGarvey said two of the three people the gunman killed appeared to be neighbors, but gave few further details.
He said investigators "aren't aware of any dispute" between Michael and the victims, who were identified as Kimberly Scott, 58, Kenneth Lynn, 60, and William Rhodes Jr., 38.
The violence in Pennsylvania unfolded as bells tolled and many Americans observed a moment of silence for the 20 children and six adults shot to death a week earlier by a gunman at an elementary school in Newtown, Connecticut.
The Newtown shooter, 20-year-old Adam Lanza, also shot his mother to death at their home before going on his rampage, which ended with his suicide and has reignited a national debate over gun control.
In the Pennsylvania incident, the gunman in fairly rapid succession shot and killed a woman inside a church, then fatally shot two men at their respective homes - all within a short distance from each other - before trying to flee.
He opened fire at two state police patrol cars rushing to the scene as he passed them on a two-lane road and slammed head-on into a third patrol car. The gunman was killed in an exchange of gunfire with police at the crash scene, police said.
All three troopers involved in the chase were injured - one from the collision, another from bullet fragments and shattered glass, and a third who was shot in the chest but survived thanks to a bullet-proof vest. They were treated and released from a local hospital, McGarvey said.
Police have said that it did not appear that the shooting had any connection to the massacre in Connecticut.
(Reporting by James B. Kelleher; Editing by Cynthia Johnston and Paul Simao)
Source: http://news.yahoo.com/police-probe-motive-deadly-pennsylvania-shooting-spree-030651621.html
Friday, December 21, 2012
Pi-to-Go: a Raspberry Pi, screen and keyboard stuffed into a 3D-printed case
Gaming consoles are the usual candidates to go under a screwdriver for miniaturization into portable packages, but Nathan Morgan set out to do something different: transform the hacker-friendly Raspberry Pi into a mobile rig. Thus, the Pi-to-Go was born. The portable's custom 3D-printed case packs a model B revision 1 Raspberry Pi, a 640 x 480 LCD screen and a QWERTY Keyboard with a built-in touchpad. Other internals include a Samsung-made 64GB SSD (with a 1GB swap partition), a rechargeable battery that provides more than 10 hours of juice, a 4GB SD card and support for WiFi and Bluetooth. Morgan's even published build instructions, 3D printer files and a parts list necessary for replicating the box. Not accounting for the 3D-printed case, cobbling together your own Pi-to-Go setup should ring up at just shy of $400. For the entire build breakdown and more images of the rig, hit the bordering source link.
Source: Parts-People Blog
Source: http://feeds.engadget.com/~r/weblogsinc/engadget/~3/SyO5yMKoEho/
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Thursday, December 20, 2012
Excitement Builds for NARCAR's New Sixth-Generation Car ...
Excitement Builds for NASCAR's New Sixth-Generation Car
Dec 18, 2012
Even NASCAR?s Youngest Fans Are Ready For The Return Of Brand Identity
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DAYTONA BEACH, FL - December 18, 2012 - On Day 1 of the final 2012 test for the new sixth-generation race car, the drivers had their say as they turned laps around the 1.5-mile Charlotte Motor Speedway. Today, it was the crew chiefs' turn. Enthusiasm for the design and performance of the new car extends beyond just the drivers.
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?This car is the perfect example of technology helping our sport,? said Steve Letarte, crew chief of the No. 88 National Guard/Diet Mountain Dew Chevrolet. ?I think we now have three makes out here that my little boy at nine-years old can tell the difference between. I think that is the goal ? that anybody can walk through the parking lot and see a Chevy, a Ford and a Toyota and know that they are different. That?s really what it comes down to ? if you?re into racing you want to watch cool cars go around the track. I think the simple fact is in 2013 we have cooler cars.?
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The look of the new sixth-generation car has been a hit and so has the performance of the new car. Drivers experienced speeds on Tuesday that have the potential to break the current qualifying record at Charlotte Motor Speedway, as the speed chart topped the 193-mile-per-hour range.
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?It felt fast and I knew where my throttle was, so I knew it was as fast as I have ever been around this track? said Kasey Kahne. ?I just think this car goes around the corner quicker.?
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Fresh off his trip to Germany and Kuwait with the USO, Joey Logano is beginning to get used to his new surroundings, and it never hurts to have current NASCAR Sprint Cup Series Champion Brad Keselowski as your new teammate with Penske Racing.
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?He won the championship, so he?s pretty good? joked Logano. ?It?s really cool to have a teammate that?s a student of the sport, who really studies it and will push me to do things differently.?I think the coolest thing that Brad is able to do is he?s able to think outside of the box ? like way outside the box.?
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After potential record-breaking speeds throughout both test sessions, rain cut the afternoon short. Teams will have two more open tests before the beginning of the 2013 season starting with Preseason Thunder at Daytona International Speedway Jan. 10-12.
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The sixth-generation car will return to Charlotte Motor Speedway Jan. 17-18, when the teams will have their final opportunity to test the car before Speedweeks in Daytona.
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About NASCAR
The National Association for Stock Car Auto Racing, Inc. (NASCAR) is the sanctioning body for one of North America's premier sports. NASCAR races are broadcast in more than 175 countries and in 25 languages. In the U.S., races are broadcast on FOX, TNT, ABC/ESPN/ESPN2, SPEED, Motor Racing Network Radio, Performance Racing Network and Sirius XM Radio. NASCAR fans are among the most brand-loyal in all of sports, and as a result more Fortune 500 companies participate in NASCAR than any other sport. NASCAR consists of three national series (the NASCAR Sprint Cup Series, NASCAR Nationwide Series, and NASCAR Camping World Truck Series), four regional series, and one local grassroots series, as well as three international series. Also part of NASCAR are GRAND-AM Road Racing and the American Le Mans Series, known for competition on road courses with multiple classes of cars. NASCAR sanctions more than 1,200 races at 100 tracks in more than 30 U.S. states, Canada, Mexico and Europe. Based in Daytona Beach, Fla., NASCAR has offices in eight cities across North America. The next NASCAR Sprint Cup Series race will be the Shootout at Daytona on Feb. 16 on FOX.
For more information and a complete schedule, visit www.nascar.com. Follow NASCAR on www.facebook.com/NASCAR or on Twitter: @NASCAR.???????
Source: http://www.midlandsbiz.com/articles/12874/
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5 signs he's ready for a relationship | eHarmony Relationship Advice
Are you dating someone but finding it difficult to establish whether he is really ready for a relationship? Without asking directly it can be hard to know so here are some signs you could look out for.
As with every forum where men meet women there may be some men on eHarmony who ?aren?t really ready for a relationship. It can be difficult to tell a charmer from someone who is genuinely sincere about wanting to find a connection and develop a serious relationship so here are some signs to look out for which can help you know whether the man you are dating is actually ready for that commitment.
1.????? He has time for you
The first and most concrete sign that a guy is interested in developing a relationship with you is that he will make time for you even if his life is really busy. He will respond quickly to emails, calls and texts (within 24 hours) and will initiate conversations and dates to meet up.
A man is ready for a relationship when the time he invests in pursuing it is consistent and doesn?t change after the relationship has reached the bedroom. Often men are very attentive when they first meet a woman they are attracted to but their interest begins to wane once they have the prize and they start to look for the next pretty face.
If he won?t give you his time, don?t waste any more of yours on him.
2.????? He opens up to you
Notoriously men are a lot less open with their emotions than women are and are generally more reserved when talking about their feelings, past relationships and struggles they have in their life. A man is ready for a relationship when he has reached a level of emotional maturity where he understands the importance of developing intimacy through communication ? he wants to invite you into his inner world and isn?t afraid that you will judge him as weak if he lets you know that sometimes he hurts. One of the most intimate times for a man is after sex ? if he wants to cuddle up and talk then he is really into you rather than just casually dating you.
Another important aspect of this is when a man wants to draw you into his life ? showing you where he lives and introducing you to his family and friends ? all of this indicates that he is interested in developing a deepening relationship and making a commitment rather than keeping it casual.
3.????? He is affectionate as well as sexual
For men, wanting to have sex with a woman is not a sure sign of wanting to have a relationship with her. Women often mistake physical passion as a sign of deepening emotional intimacy ? it isn?t. Even if your sex life is off the scale, if only one part of a man?s anatomy is interested there is no guarantee the rest will follow. Showing affection outside of the bedroom, in ways that don?t always lead to sex ? hugging, holding hands, kissing etc ? gives a much stronger indication that he is ready for a relationship.
4.????? His friends are primarily people who are in relationships
Men will usually engage with people whose values they share so if their closest friends are people who are in steady, committed relationships it is a good indication that he is ready for that too. If however he is still hanging out with his mates, acting irresponsibly, playing the field and living an active bachelor lifestyle he may not be ready to give it up yet. Most men will have a combination of the two but over time you will see where his strongest attachments are and whose values he shares. Avoid getting deeply involved with someone who you think has the ?potential? to calm down and engage in a committed relationship ? you need to accept someone as they are now rather than what you think they could be if you push them in the right direction.
5.????? He is over past relationships
This is the biggest indication that a man is ready for a new relationship ? he is not bitter or cynical about women, commitment or relationships. He can look look at what happened realistically and see where he made mistakes rather than placing the blame for the failure of past relationships solely at the door of his exes ? his mother ? or women in general. He will give you his attention and get to know you as an individual and explore the relationship between you without prejudice.
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Wednesday, December 19, 2012
Focused On Women, Pretty Penny Finds Coupons For Online Shoppers
Pretty Penny is a newly launched couponing startup, targeting a young, female audience - specifically the fashionistas and professionals who do a lot of their shopping online. The company, currently operating in bootstrap mode, offers its users a browser add-on which identifies the retail website a user is visiting, searches for relevant coupons and offers, and then presents those in a clean and simple user interface.Source: http://feedproxy.google.com/~r/Techcrunch/~3/Y5URKaNH3q4/
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Having A Bad Credit Score Can Be Problematic: Read These Tips ...
TIP! Learn what affect a debt settlement plan will have on your credit rating before you sign up. Research all of your options, make an informed decision about the method you chose, and only then should you agree to the settlement. 
It may seem hard to find good information about credit score improvement, especially when you need it most. We have outlined the best path to repairing your credit in this article just for you. These tips can relieve you from stress and save time.
Unfortunately, no financier is going to be interested in the statement you provide when they are examining your credit history. It may even draw more attention to the blemish.
Credit Score
TIP! If you are having a difficult time creating or sticking to a budget, get in touch with a responsible credit counseling organization. These agencies frequently work with credit companies to help negotiate payment plans.
You can easily get a mortgage if you have a high credit score. Making your mortgage payment on time each month will also boost your credit score. As a homeowner, you will have a major asset that can have positive effects on your credit profile. Having a good credit score is a key factor if you ever need to take out a loan.
TIP! An experienced, honest credit repair agency can be very helpful. Too many of these services will use your desperation to make money.Though it is hard to make this step, consider paring down the number of credit lines to just one; this will sometimes improve your credit score. You should arrange to make payments or make a balance transfer to your open account. You will be able to pay one bill instead of a plethora of small ones.
TIP! Don?t spend more than you make. You may have to overhaul your entire mindset when it comes to money.
Look over your own credit report to see if there are any missed payments or outstanding debts you have forgotten about. Pay particular attention to correcting any errors. Next, begin to improve upon your past mistakes. Fully repay the debt with the most expensive interest rate first, but make sure you do not fall behind on other minimum payments.
If you are trying to repair your credit, it is vitally important that you make at least the minimum payments on all your cards every month. Whenever your payment is made after the due date, the transgression goes on your credit record. At the very least, pay the minimum to avoid problems.
Fha Loan
TIP! Put together a plan to pay off the collection account and past due accounts. They are still going to show up on your credit report but they are going to be marked as paid so you will not have to deal with the ill effects of having unpaid debt that is past due.
Having poor credit makes financing a home a nightmare. You should consider getting a FHA loan they are backed by the government. If you do not have a down payment or money for closing, consider a FHA loan
TIP! Make sure you will get a plan in writing if you decide a payment plan is the best option for you with your creditor. This is for your protection.
If you are attempting to raise your score with the credit bureaus, but are encountering road blocks whenever you apply for new credit, then open an account with a credit union. These credit unions can probably give you better credit options in the long run.
TIP! Make sure to review your credit card statement monthly to make sure there are no errors. If you spot any mistakes, contact the credit company right away to keep them from reporting the mistakes.
If you have a card that carries a balance of over 50% of the limit, you should pay it down to below 50%. You should keep your balances under fifty percent; anything over this and you can lower your credit rating, so spread out the money you own and pay down your credit cards.
TIP! Creating a payment plan and sticking with it is just the first step to getting your credit on the road to repair. Be totally committed to changing your spending habits.
Avoid credit schemes that will get you in trouble. Sites may act like you can create new credit lines and tell you how to do it. These scams are not legal and there will be repercussions. You could end up owing a great deal of money or even facing jail time.
TIP! If you have a poor credit history and can?t qualify for a credit card, get a secured card. Most people are able to get this type of card, but you will have to load it up with a prepaid amount of money, as a guarantee that you can pay any charges that you make.
Hopefully this information was useful. It can seem like it is a losing battle, but after you have taken these steps, you will be able to enjoy the benefits of having credit again. Just remember that repairing your credit takes time. The potential rewards make it worth your time to stick with a credit restoration effort.
Make sure you take the time to really consider and study the information you are learning about Find out more . Are you sure that you know all the necessary information about Find out more ? The article you just read should help you adopt efficient strategies, but keep in mind there is a lot more to learn before you become successful.
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