Kentucky Republican Rep. Geoff Davis unexpectedly resigned from Congress late on Tuesday, citing family concerns.
"Recently, a family health issue has developed that will demand significantly more of my time to assist," Davis said in a statement. "As a result, I cannot continue to effectively fulfill my obligations to both my office and my family. Family must and will come first."
Davis said he submitted his resignation Tuesday to Gov. Steve Beshear and House Speaker John Boehner and that his resignation will be effective at close of business.
Davis had already planned to retire and was not running for re-election in his 4th District, but his resignation will leave an immediate vacancy in Congress and in the representation of his district.
Posted on 30 July 2012. Tags: affiliate marketing, home business, Internet business, marketing, mlm, online business
Launching an internet based business is not the same as launching an offline business. You need to be ready for the simple fact that an online business works differently than a "regular" business. Today there are lots of people who are fascinated by the notion of creating an Internet business of their own, which is great. However, many fail to realize the importance of doing their homework first. If you really want to make money online avoid the mistakes we are going to talk about in this article.
Never ever spam?make sure that all of your promotional techniques are ethical and legitimate. There are web businesses that start off well but end up in the bad books of customers, prospects and even search engines because of using spam to spread the word about their products and services. Logically, if you look at it, you?ll see that spamming is actually a very ineffective method to reach out to your target market. This is the same thing as making cold calls to people who do not want to hear from you. Most spammers have a really hard time getting through peoples? spam filters and getting recipients to open the mails that get sent, let alone make a sale from those e-mails. Whether it?s e-mail or search engine spamming: do not do it. Steer clear of marketing methods that aren?t producing results, they are nothing but a waste of time. One popular method some time ago was "safelists" but no good business uses them anymore. "Free for all links are another example of methods that no longer work. The goal here is to have a great launch with techniques that will get you results you want. Search engine optimize your website, do joint ventures with other online businesses, run pay per click ads, but don?t go for old methods that are doomed to fail today.
Finally, it is a huge mistake not to learn about your target market. You just cannot launch any online business without know what kind of people will be buying from you. You need to know your target market like the back of your hand, inside out. It?s necessary that you put in the effort to learn more about your future customers, because without that, your business will fail. It?s impossible to create a successful product or service if you don?t know who will buy it or use it. All in all, from the above article it becomes clear that in order to start an online business, it takes more than just an idea. You need to be ready to put in lots of hard work and commit yourself to it in order to make it. Though it often isn?t super easy, if you know what you are doing, it won?t be super hard. So go ahead and start applying what you learned here and don?t be afraid to take risks. Try out new markets and experiment on a regular basis to strike it big with your online business.
Santos Crumrine is known for giving his audience a variety of content and is also famous for being a committed blogger. He has written on multiple topics including Article Marketing, online marketing, and network marketing. Checkout his article on exfuze system and on ardyssprofits
Modern culture 44,000 years agoPublic release date: 30-Jul-2012 [ | E-mail | Share ]
Contact: Erna van Wyk erna.vanwyk@wits.ac.za 27-117-174-023 University of the Witwatersrand
Human behavior, as we know it, emerged earlier than previously thought
An international team of researchers, including scientists from Wits University, have substantially increased the age at which we can trace the emergence of modern culture, all thanks to the San people of Africa.
The research by the team, consisting of scientists from South Africa, France, Italy, Norway, the USA and Britain, will be published in two articles online in the prestigious journal, Proceedings of the National Academy of Sciences, today at 19:00 South African Standard Time.
The paper titled Early evidence of San material culture represented by organic artifacts from Border Cave, South Africa was authored by Francesco d'Errico, Lucinda Backwell, Paola Villa, Ilaria Degano, Jeannette Lucejko, Marion Bamford, Thomas Higham, Maria Perla Colombini, and Peter Beaumont.
Doctor Backwell is a senior researcher in palaeoanthropology, and Professor Bamford a palaeobotanist at the Bernard Price Institute for Paleontological Research at Wits University.
"The dating and analysis of archaeological material discovered at Border Cave in South Africa, has allowed us to demonstrate that many elements of material culture that characterise the lifestyle of San hunter-gatherers in southern Africa, were part of the culture and technology of the inhabitants of this site 44,000 years ago," says Backwell.
A key question in human evolution is when in prehistory human cultures similar to ours emerged? Until now, most archaeologists believed that the oldest traces of San hunter-gatherer culture in southern Africa dates back 10,000, or at most 20,000 years.
The international team of researchers, led by Francesco d'Errico, Director of Research at the French National Research Centre, dated and directly analysed objects from archaeological layers at Border Cave.
Located in the foothills of the Lebombo Mountains in KwaZulu-Natal, South Africa, the site has yielded exceptionally well-preserved organic material.
Backwell says their results have shown without a doubt that at around 44,000 years ago the people at Border Cave were using digging sticks weighted with perforated stones, like those traditionally used by the San.
"They adorned themselves with ostrich egg and marine shell beads, and notched bones for notational purposes. They fashioned fine bone points for use as awls and poisoned arrowheads. One point is decorated with a spiral groove filled with red ochre, which closely parallels similar marks that San make to identify their arrowheads when hunting," says Backwell.
Chemical analysis of residues on a wooden stick decorated with incisions reveals that, like San objects used for the same purpose, it was used to hold and carry a poison containing ricinoleic acid found in castor beans. This represents the earliest evidence for the use of poison.
A lump of beeswax, mixed with the resin of toxic Euphorbia, and possibly egg, was wrapped in vegetal fibres made from the inner bark of a woody plant. "This complex compound used for hafting arrowheads or tools, directly dated to 40,000 years ago, is the oldest known evidence of the use of beeswax," says Backwell.
Warthog tusks were shaped into awls and possibly spear heads. The use of small pieces of stone to arm hunting weapons is confirmed by the discovery of resin residue still adhering to some of the tools, which chemical analysis has identified as a suberin (waxy substance) produced from the sap of Podocarpus (yellowwood) trees.
The study of stone tools discovered in the same archaeological layers as the organic remains, and from older deposits, shows a gradual evolution in stone tool technology. Organic artifacts, unambiguously reminiscent of San material culture, appear relatively abruptly, highlighting an apparent mismatch in rates of cultural change. This finding supports the view that what we perceive today as "modern behaviour" is the result of non-linear trajectories that may be better understood when documented at a regional scale.
Another paper, titled Border Cave and the Beginning of the Later Stone Age in South Africa will also be published today. The authors are Paola Villa, Sylvain Soriano, Tsenka Tsanova, Ilaria Degano, Thomas Higham, Francesco d'Errico, Lucinda Backwell, Jeannette J. Luceiko, Maria Perla Colombini and Peter Beaumont.
###
Issued by:
Erna van Wyk, Communications Officer, University of the Witwatersrand, Johannesburg.
For images, background material or video clips, contact:
Prof. Marion Bamford (Note to journalists: She is currently in East Africa)
Email: marion.bamford@wits.ac.za
Prof. Francesco d'Errico
Cell: +33 5 40 00 26 28; +33 6 04 15 54 54
Email: f.derrico@pacea.u-bordeaux1.fr
[ | E-mail | Share ]
?
AAAS and EurekAlert! are not responsible for the accuracy of news releases posted to EurekAlert! by contributing institutions or for the use of any information through the EurekAlert! system.
Modern culture 44,000 years agoPublic release date: 30-Jul-2012 [ | E-mail | Share ]
Contact: Erna van Wyk erna.vanwyk@wits.ac.za 27-117-174-023 University of the Witwatersrand
Human behavior, as we know it, emerged earlier than previously thought
An international team of researchers, including scientists from Wits University, have substantially increased the age at which we can trace the emergence of modern culture, all thanks to the San people of Africa.
The research by the team, consisting of scientists from South Africa, France, Italy, Norway, the USA and Britain, will be published in two articles online in the prestigious journal, Proceedings of the National Academy of Sciences, today at 19:00 South African Standard Time.
The paper titled Early evidence of San material culture represented by organic artifacts from Border Cave, South Africa was authored by Francesco d'Errico, Lucinda Backwell, Paola Villa, Ilaria Degano, Jeannette Lucejko, Marion Bamford, Thomas Higham, Maria Perla Colombini, and Peter Beaumont.
Doctor Backwell is a senior researcher in palaeoanthropology, and Professor Bamford a palaeobotanist at the Bernard Price Institute for Paleontological Research at Wits University.
"The dating and analysis of archaeological material discovered at Border Cave in South Africa, has allowed us to demonstrate that many elements of material culture that characterise the lifestyle of San hunter-gatherers in southern Africa, were part of the culture and technology of the inhabitants of this site 44,000 years ago," says Backwell.
A key question in human evolution is when in prehistory human cultures similar to ours emerged? Until now, most archaeologists believed that the oldest traces of San hunter-gatherer culture in southern Africa dates back 10,000, or at most 20,000 years.
The international team of researchers, led by Francesco d'Errico, Director of Research at the French National Research Centre, dated and directly analysed objects from archaeological layers at Border Cave.
Located in the foothills of the Lebombo Mountains in KwaZulu-Natal, South Africa, the site has yielded exceptionally well-preserved organic material.
Backwell says their results have shown without a doubt that at around 44,000 years ago the people at Border Cave were using digging sticks weighted with perforated stones, like those traditionally used by the San.
"They adorned themselves with ostrich egg and marine shell beads, and notched bones for notational purposes. They fashioned fine bone points for use as awls and poisoned arrowheads. One point is decorated with a spiral groove filled with red ochre, which closely parallels similar marks that San make to identify their arrowheads when hunting," says Backwell.
Chemical analysis of residues on a wooden stick decorated with incisions reveals that, like San objects used for the same purpose, it was used to hold and carry a poison containing ricinoleic acid found in castor beans. This represents the earliest evidence for the use of poison.
A lump of beeswax, mixed with the resin of toxic Euphorbia, and possibly egg, was wrapped in vegetal fibres made from the inner bark of a woody plant. "This complex compound used for hafting arrowheads or tools, directly dated to 40,000 years ago, is the oldest known evidence of the use of beeswax," says Backwell.
Warthog tusks were shaped into awls and possibly spear heads. The use of small pieces of stone to arm hunting weapons is confirmed by the discovery of resin residue still adhering to some of the tools, which chemical analysis has identified as a suberin (waxy substance) produced from the sap of Podocarpus (yellowwood) trees.
The study of stone tools discovered in the same archaeological layers as the organic remains, and from older deposits, shows a gradual evolution in stone tool technology. Organic artifacts, unambiguously reminiscent of San material culture, appear relatively abruptly, highlighting an apparent mismatch in rates of cultural change. This finding supports the view that what we perceive today as "modern behaviour" is the result of non-linear trajectories that may be better understood when documented at a regional scale.
Another paper, titled Border Cave and the Beginning of the Later Stone Age in South Africa will also be published today. The authors are Paola Villa, Sylvain Soriano, Tsenka Tsanova, Ilaria Degano, Thomas Higham, Francesco d'Errico, Lucinda Backwell, Jeannette J. Luceiko, Maria Perla Colombini and Peter Beaumont.
###
Issued by:
Erna van Wyk, Communications Officer, University of the Witwatersrand, Johannesburg.
For images, background material or video clips, contact:
Prof. Marion Bamford (Note to journalists: She is currently in East Africa)
Email: marion.bamford@wits.ac.za
Prof. Francesco d'Errico
Cell: +33 5 40 00 26 28; +33 6 04 15 54 54
Email: f.derrico@pacea.u-bordeaux1.fr
[ | E-mail | Share ]
?
AAAS and EurekAlert! are not responsible for the accuracy of news releases posted to EurekAlert! by contributing institutions or for the use of any information through the EurekAlert! system.
WASHINGTON (Reuters) - Pennsylvania State University has enough insurance coverage to deal with lawsuits that might result from its child sexual abuse scandal, President Rodney Erickson said.
The school wants to settle any lawsuits "as quickly as possible," Erickson reaffirmed in an interview on CBS' "Face the Nation" program that airs on Sunday.
A summary of his remarks was posted on Saturday on the program's website.
He was quoted as saying the school was "adequately covered" against lawsuits that might arise. Jerry Sandusky, a retired assistant football coach, was convicted last month of sexually abusing 10 boys over 15 years, including at Penn State facilities, in one of the worst scandals in college sports.
The university is involved in a legal battle with its main liability insurer, Pennsylvania Manufacturers' Association Insurance Co, over who should have to pay for any civil suits in the Sandusky scandal. It also owns its own insurer, Nittany Insurance Co of Vermont.
Lawyers for one of the key victims in the Sandusky case said this week he was suing the university for contributing to the abuse.
Sandusky's 2001 sexual assault of the man, known as Victim 2, in a locker room shower was at the heart of the scandal that engulfed Penn State. He was one of two victims not to testify at the trial.
The case against Sandusky, who faces a prison term of up to 373 years when he is sentenced, rocked the storied Penn State football program and tarnished the legacy of the late Joe Paterno, the team's longtime coach.
An independent investigation commissioned by Penn State and released two weeks ago concluded that Penn State officials were alerted to Sandusky's abuse, did nothing to stop it and decided against reporting it to authorities.
Erickson said in a Washington Post opinion piece on Saturday that he did not suggest the NCAA sanctions imposed last week and did not take the repercussions lightly.
But the sanctions - a $60 million fine, a four-year bowl game ban, reduced football scholarships and the forfeiture of 112 wins - were preferable to "the alternative" of a multi-year ban on football, he said.
(Reporting by Ian Simpson; Editing by Peter Cooney)
LONDON ? The queen of England was persuaded to take part in her hilarious Opening Ceremony act with James Bond following a personal plea from her favorite movie director.
The English monarch made an exception to her public policy of speaking only in formal settings in order to perform a scene with Bond actor Daniel Craig that ended with stunt doubles resembling the pair leaping from a helicopter above the Olympic Stadium.
[ Related: Opening Ceremony mystery solved ]
The segment stole the show Friday night and was made possible after Danny Boyle, the brains behind the ceremony and an award-winning director, used the queen's love of his greatest film ? "Slumdog Millionaire" ? to his advantage.
"The queen made herself more accessible than ever before," Boyle said.
Yet her majesty may not have agreed to the highly unconventional request if it had not come from Boyle himself. It is not known whether Boyle realized this or not, but the entire royal family is huge fans of his work and have watched "Slumdog Millionaire" on countless occasions.
Princes William and Harry, the queen's grandsons, joined the "Slumdog" craze in 2008, when the film broke box-office records and walked away with eight Academy Awards.
[ Photos: London Games Opening Ceremony ]
William's wife, Kate, is also an admirer, as is his father, Prince Charles, and Charles's wife, Camilla, as well as cousin Zara Phillips, who is competing in the Olympic equestrian events. The queen watched the movie on the advice of her grandchildren and made no secret of her enjoyment of the production, which followed the journey of an orphaned Indian boy from the slums of Mumbai.
"It is very much a favorite," a royal source said. "The queen watched it after being encouraged by William, Harry, and others and liked it so much she saw it again. That certainly didn't hurt when Mr. Boyle made his request for her royal highness to be involved in the Games in an extra role beyond her official capacity."
The Bond story reflected what has been a noticeable softening in the public persona of the queen in recent years. The image of the royal family was at a significant low point following the death of Diana, princess of Wales, and the queen has since tried to convey a more down-to-earth personality.
[ Related: NBC blasted for not showing Opening Ceremony live ]
The royal video saw Bond driven into the grounds of Buckingham Palace in the back of a black London taxicab before being led to meet the queen, who was writing at a desk. She turned to face him and uttered the single line: "Good evening, Mr. Bond."
Agent 007 and the monarch then climbed aboard a Westland helicopter, which took off into the London skies, then "reappeared" at the stadium for one of the greatest moments of an outstanding event.
Related Olympic video from the Yahoo! Sports network:
More Olympic coverage from the Yahoo! Sports network: ? What to watch for: Olympics first weekend ? Jet Nick Mangold moving mountains to watch sister in Olympics ? Lolo Jones shows Tyson Chandler way too big for Olympic village beds
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You could concern the IRS mainly because they could grab possessions, such as your car. Place an end towards the selection phone calls and develop a prepare which may include filing for bankruptcy. Inside the following lines, you?ll learn suggest that will guide you with the individual bankruptcy approach.
In the event the a bankruptcy proceeding process takes its cost sentimentally, get in touch with an online support group of people to raise your spirits. There is lots of pressure linked to individual bankruptcy, and it may be hard to interact with your pals when you?re experiencing it. On the web, nonetheless, you can discuss your challenges and request for suggestions from folks who suffer from previously been through personal bankruptcy.
A lot of individuals who have declared individual bankruptcy, take care of to by no means use credit or bank cards yet again. This isn?t automatically an brilliant strategy to follow given that developing fantastic credit history moves fingers-in-palm with obtaining, and managing, credit history inside a liable manner. If you don?t really use credit score, your credit history will not enhance, and you could be unable to buy vital matters like a home and automobile. To start, use one visa or mastercard sparingly and pay it off completely monthly.
Don?t permit your lawyer deal with everything. The legal representative does know all about the laws and regulations of bankruptcy, but you would be more pleased to find out just how the proceedings function way too. Don?t reckon your legal professional is taking excellent care of every thing, you should be in addition to it, these are generally your funds which are becoming scrutinized.
There are legal representatives who maintain a phone help intended to industry phone calls from loan companies wanting to contact debtors who certainly have filed for bankruptcy. You can give all your loan providers this quantity so they can confirm the bank account is contained in an a bankruptcy proceeding filing. This would placed a stop for their phone calls.
Prior to filing, usually do not use your bank card to get a cash loan, being aware of your financial obligations will likely be eliminated. This really is up against the legislation in fact it is fraud. After the individual bankruptcy method you could be designed to shell out all this to the creditor.
Make sure that you consist of each of the obligations you need dismissed with your personal bankruptcy declaring documents. Any obligations omitted from the documentation will not be protected within the release. Be certain to collection all your outstanding debts to ensure nothing that might have been discharged will likely be disregarded.
For those who have investigated distinct solutions and are not able to try to pay creditors, personal bankruptcy may be the best selection for you. Don?t be exceedingly emphasized, because there are numerous things that you don?t have power over. This article will give you the information you need to know.
If you want further facts about alpha boilers, pay a visit to the author?s website immediately.
Technology is advancing each day; and with the coming of web, life is becoming easier for everybody around the globe. people have grown more attached to their computers and web through the years. With the up to date advancement in generation, you'll now watch tv at the side of all of your favorite channels, right to your computer. neatly, this is surely possible regardless of how far-fetched it is going to sound. these days, it is vitally so much possible so that you can watch reside sports activities tv streaming right on your pc, sitting in the convenience of your home.
The highest way to do this is undoubtedly thru satellite web tv aided with complex computer generation. then again, there may be much bad quality streaming tv web pages available over the internet lately to look at live sports tv streaming. nowadays, as most other persons are the usage of quicker broadband connection, a better high quality tv streaming over the web is no doubt imaginable. satellite tv on laptop is mainly achieved by the assistance of positive particular instrument which will receive satellite tv signs easily and then decipher them to run reside television over your pc. With using this actual era, looking at live sports channels with the usage of tv streaming, has become more straightforward than ever.
Now the query that arises is how does this piece of device work so that you can watch are living sports activities television streaming? this actual device simply gets satellite television signals and simply deciphers them to show tv channels over your individual computer display. this particular technology lets you watch over 3000 channels proper by yourself computer screen. You no longer most effective get to peer better quality live streaming sports channels but in addition different leisure channels.
However, there are other strategies too which you can adopt to observe are living recreation television streaming for your pc, corresponding to using your conventional cable services to run streaming tv on-line, or using a dish to run tv over your pc. but these methods are not that useful, as they require you to pay a monthly fee and also provide relatively low high quality products and services. this is why satellite television on pc is a significantly better thought, because it comes with only a one-time obtain price and is easily available anyplace over the online.
There is far satellite tv for pc television tool to be had on the net; but one of the efficient ones used mainly to look at live sports activities tv streaming is without a doubt the reside soccer tv on laptop instrument. this is a great piece of instrument as it not most effective allows you to watch your favourite football games in your favorite sports channels streaming in your laptop, but it additionally permits staring at sports activities channels from everywhere the world, leaving you an choice to choose between heaps of channels displayed right for your laptop monitor. that is easy to put in and calls for no further hardware or any other piece of instrument or apparatus of any sort. It comes with a one time charge which is really affordable and you will be asked to pay it as soon as, before you start downloading the software. this fashion, you'll watch live sports tv streaming without paying per 30 days bills to look at your favorite sports channels. With reside soccer television on laptop device installed, you will never have to omit a unmarried massive recreation for your favorite sports activities channel.
The brain is an important point of all living, connection and thought, the center of management information, action, emotion as well. The brain is the most important part in our body, the brain was still the most understood ?part than other parts of our body, still have many secret that still exists and remains not resolved yet until? today, for example about the memories, the reason why do we need sleep, why we have dreams? And what is the consciousness?
In general, human brain is divided into three parts, namely a large brain (cerebrum), cerebellum and brain stem. Each section is subdivided into smaller part, in which the each small part is still divided again, and again. Fill the space between the brain liquid, while three layers of the lining of the brain (meninges) and bone of the skull are protecting the exterior.
Each part of the brain has possibility affected by cancer. Although a docile cancer, but because of the growth in the brain, it can be really dangerous. The cancer can interfere with the function and structure of the central nervous system damage, because it lies within a finite cavity of the skull. Through with the development of these cancers, it will be more depressing the tissue of brain. Though the volume cavity of cranial is very limited and may not be getting bigger. This is what makes the dizziness or headaches as an early indication of brain cancer.
Brain cancer can be caused by diverse things. The cause of brain cancer could be one or more than one and can generally be divided become two categories of factors:
Factor from the inside
Is a factor that comes from within ourselves. The main one is genetics or descendant. If there are relatives who have a history of brain cancer, it means that we have larger chances of getting brain cancer than those people whose families that do not have brain cancer. The other factor that can induce to brain cancer is a history of conflict if ever stumble your head. These crash can cause the tissue of brain has trauma to, so it could be the cause of the growth of abnormal tissue in the brain which can later develop into cancer of the brain.
External factors
It is a factor that comes from outside the body, usually in the form of foods and radiation. Certain drugs also are taken continuously potentially cause brain cancer. The other factors:
Unhealthy lifestyle: smoking, junk foods, less fiber, etc.
Karsiogenik materials: cooking oil over used, ingested chemicals
Radiation: Radiation exposure in certain waves can trigger cancer cell growth
Indications of brain cancer that appear are depending on the part of the brain where the cancer come up. But the symptoms are the most common of brain cancer is a mild mental changes (psychomotor asthenia), such as forgetfulness, emotional instability, slowing of mental, irritability, and, loss of initiative, social activities and spontaneity, may be found depression and anxiety. Then the headache, feels heavy and throbbing, generally getting worse when night and when waking up in the morning. Vomiting are also indication of brain cancer, it is present in 30% of cases of brain cancer that typically accompanies a headache.
You think I'm joking right? "Find happiness after diagnosis." "I've just been told I'll be shooting myself up every day." "I've been told this isn't curable." "There is no happiness in that, so stop pulling my leg." "How is happiness even possible?"
Let me start with the fact that happiness is absolutely essential to LIVING with any condition. Happiness is what puts a smile on our face. Happiness is what propels you to take action to take care of yourself. It leaves you open to giving and receiving love (Speaking of which, what are you doing for your loved one tomorrow?) Happiness is about maximizing your quality of life.
Without happiness, life loses its purpose. Seriously, why get up in the morning if we can't be happy? (Of course this also applies to those walking dead who don't even have the excuse of a diagnosis to bring them down). Without happiness you risk depression and negative thoughts. Those negative thoughts send your cells the message to give up. Don't give up.It's understandable that when you get the news of cancer, multiple sclerosis, diabetes, or the myriad of conditions doctors will tell you are manageable but not curable, you want to give up on happiness. But happiness is essential to not letting the diagnosis rule your life. But how do you find happiness after diagnosis?
Here are 5 quick tips I learned on my journey and help my clients cultivate happiness.
Laugh. Laughter really is the best medicine. If life isn't feeling so funny, then check out a funny movie. Go to a comedy show. Call up your funniest, goofiest friend. Just laugh. Life without laughter is like a movie without a soundtrack.
Reach out. Let others help you. Ask for help. I know this is tough. But life is hard enough without help. Reach out to others for help, even if it's just a shoulder to cry on. People want to help. Just be sure to be specific with your instructions.
Occasional and intentional indulgence. I still encourage you to eat uber, anti-inflammatory, alkaline healthy. As for the indulgence part, create boundaries. For instance, I no longer drink red wine (a shock to many of my San Francisco friends). However, I will have a glass if it's a special occasion like a birthday or getting my book published, and the wine is really good (Opus One anyone?). Love. This is really what it is all about. Whether a spouse, a friend, a dog, a child, giving and receiving love is what life is all about, even for the healthiest. Don't let this key ingredient pass you by. Love transcends all.
Give back. When the big, scary diagnosis comes in, it is easy to say "woe is me." But there are so many people worse off than you. So instead of sitting on the sofa crying, why not get up and help them. The simple act of giving of yourself will lift your spirits and remind you of why you are here. We are all here to serve.
So now it's your turn, what can you do to find happiness, despite a blow to your health?
Laurie Erdman is a Get More Energy Superhero and Chronic Wellness Expert. She helps busy, working women who struggle with chronic stress, fatigue and autoimmune disease double their energy so they can live life with passion. Learn how to double your energy today - download 3 Superhero Tips To Doubling Your Energy in Less Than 30 Days at Chronic Wellness Coaching.
Yelp for iPhone has been updated to version 6.0 and brings with it the ability to get inside scoop on which businesses vegetarians love and which ones are popular for certain age groups, and more. You can also add compliments and likes to Tips and the iPad has version has received tons of enhancements.
This update is literally filled to the brim with awesomeness. We're not joking -- we had to get an intern to stand on the top of it just to get it zipped up and shipped to the App Store.
We're rolling out a brand new business page on iPhone! Boom.
Support for Yelpy Insights -- get the inside scoop on which businesses vegetarians love and which ones are popular for certain age groups
Now you can compliment and like Tips on iPhone
Updated navigation for logged out users on iPhone
Tons o' iPad Enhancements: Now you can edit business information; add photos; give Useful, Funny, Cool votes to reviews; and send Yelpers compliments for their great reviews.
One of the features missing from this update is that you still do not have the ability to post a review to yelp with the app. You can write the review and save it as a draft, but you have to visit the web to actually post it. I have no idea why Yelp would make such a decision.
Have you spent time with the new Yelp yet? What are your thoughts?
I went on a winter months family vacation in Europe with friends and family pals. I appeared just like a bag girl with all those levels of apparel, regardless that at the moment, I used to be underweight. My friend seemed fantastic. Slender, elegant and she was as warm like a toast.
Her secret?
Hint No. 1 : Don thermal underwear that fits like a glove, is well ventilated but insulates so properly with no generating further bulk. You could potentially skip a layer or two of attire in a moderate winter season and obtain absent with it. The less layers you dress in, the slimmer you search. It should be limited fitting. A bonus of tight wintertime underwear is the fact it functions to be a type of girdle to carry within the saggy bits of weight, providing you with a slimmer silhouette.
Idea No. 2 : When you are going to use a gown or skirt, make your legs appear slimmer by sporting wool stockings. Pick a person in black or simply a pretty dark hue where by attainable, for that slimming impact.
Tip No. 3 : Dress in fewer levels fabricated from hotter fabrics. Winter could be the time for you to acquire out your cashmere and put on it. Dress in wool or silk alternatively of thick levels of cotton.
Suggestion No. 4 : Wear coats that hint at your figure. A way too tight coat with unattractive bulges can make you glance fatter. A coat that matches properly flatters your figure.
Suggestion No. 5 : Hold heat that has a magnificent cashmere shawl. It isn?t going to include bulk for your frame, instead, it perks up your appearance superbly. Superior than a necklace in that besides creating you appear good, it keeps you heat.
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While you may be unable to reach all of your financial goals, you?ll be surprised how many are achievable. The key to making what you hope for a reality is to have a firm grasp of the basic principles of personal finance. The following tips can help you start out on the right foot.
If you are traveling overseas, be sure to contact your bank and credit card companies to let them know. Many banks are alerted if there are charges overseas. They may think the activity is fraudulent and freeze your accounts. Avoid the hassle by simple calling your financial institutions to let them know.
Never co-sign a loan for anyone!!! No matter how much you think you can trust them, if the debt is not something you are willing to pay off, just don?t do it. If you do, and they don?t pay, the debt will be your responsibility, and you will have to fork up the money.
A great way to ensure that you won?t suffer in the future is to start a retirement fund now. If you already have one, then use what you can to boost your retirement portfolio. Unfortunately, the cost of living is still increasing and the dollar is continuing to go down. You will need a larger retirement fund.
Do not invest your money in something you do not fully understand. Financial advisers are here to help you make the best decisions. Sometimes the best way to get rich, is to stick to what you know, and do what you are good at. Start doing some research about different investment options.
Financing real estate is not the easiest task. The lender considers several factors. One of these factors is the debt-to-income ratio, which is the percentage of your gross monthly income that you spend on paying your debts. This includes everything from housing to car payments. It is very important not to make larger purchases before buying a home because that significantly ruins the debt-to-income ratio.
If you?re looking to take out a loan, make sure you shop around on interest rates, and let banks know if you?ve seen a better deal elsewhere. Banks are very competitive for business, despite often trying to seem intimidating and as though the customer is at their mercy. Turn the tables and make them compete to provide you with the best loan.
Approach credit and utility companies to try to manipulate the payments so that you do not have several payments due at one time. It is going to help you make your payments more manageable if you are not stuck with several payments out of one paycheck. This can be done with a simple phone call.
Not only can you insure your own medical costs, but pet owners may want to investigate pet insurance. These policies can pay for or kick in to pay for vet services once you reach a deductible amount. Veterinary costs can be expensive, so it make sense to insure you pet, the same way you would a member of the family.
A valuable personal finance tip is to never be afraid of comparison shop and change financial institutions when necessary. By making the leap to a different bank or credit union, it is often possible to garner much more favorable interest rates and avoid the costly fees assessed by some banks for even the most basic of services.
Grow your own garden. This is a great way to save money on costly produce. Growing your own garden helps you save a lot of money, and it?s fun. If you have the room, you can till a spot in your own yard and plant your garden there, or you could share a plot with a neighbor. Another option is to grow plants in big pots.
Buy in Bulk. Stores like Costco and Sams Club are popular for a reason. A single person may not be able to use six cans of peanut butter in a reasonable time, but non perishable items like toilet paper may last you for a year! Buy in bulk what makes sense for you and add up the savings.
If you plan to open a bank account think about what services you need from the account. Quite often banks charge fees for various services unless you keep a minimum balance. You will have to decide if keeping your money tied-up in a minimum balance is worth the extra services.
While no one wants to cut back on their spending, this is a great opportunity to develop healthy spending habits. Even when your financial situation improves, these tips will help you take care of your money and keep your finances stable. It?s tough to change the way you deal with money, but it?s worth the extra effort.
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Whether you?re struggling with debt or you?d just like to improve an already-decent financial situation, you could use some help. The more you learn about financial management, the more likely you are to be able to improve your finances. Read on for some tips about improving your financial situation.
Teach your children the value of good financial habits by letting them earn a modest allowance, save it, spend it, and make a few mistakes with it. If your child purchases a cheap toy that immediately breaks, it?s a good lesson in value. Likewise, when your child suddenly has enough saved for a special trip out, you are reinforcing the value of saving wisely.
Avoid making cash advances on your credit cards, particularly, if it is for something that is not an emergency. While the fees are not as high as payday loan fees, they are very high. The money you take out will end up costing many times more, when it is all said and done.
If you are trying to save money, have a certain amount or percentage of your paycheck automatically deposited into a savings account every time you get paid. Whether you can afford to save ten dollars a week or a hundred, having the money removed automatically reduces the likelihood that you will spend it on frivolous things. You may not even notice the money is ?gone.?
Stick to a monthly budget. This may appear to be common sense, but many people either do not know how to budget, or they just spend money haphazardly every month. By figuring out where your money goes every month, you can make change. You can afford everything, and save for emergencies, and extras in the future.
In today?s economy, there are many things that are affecting the daily life of many people. Gas prices are one of them, and so you should be thinking of any ways that you can cut down on gas. With the price of gas so expensive, minor cuts in this area will have a major effect. Nip over to standards for Miss Sold PPI for quality news.
To save money, you may want to purchase the generic version of items you would usually buy. For instance, a name brand shirt could cost you $30 at a high-end store. At Walmart, you could find the same shirt for $10. You will save a lot of money, by shopping this way.
Now that you?ve come to the end of this article, it is clear what you need to do to manage your personal finances so that they don?t spin out of control. Take what you?ve learned here to heart, and apply the information as necessary. You are now on the road to being financially independent.
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ROME (Reuters) - Pope Benedict's former butler, who was arrested two months ago in an investigation of leaks of documents alleging corruption in the Vatican, has written to the pontiff asking for forgiveness, his lawyer said on Tuesday.
Paolo Gabriele was arrested on May 23 and placed under house arrest on Saturday after 60 days detention in a small "safe room" in the Vatican's police station.
"Paolo has written a letter to the pope asking him for forgiveness, particularly for the pain he caused him," lawyer Carlo Fusco told Reuters.
Gabriele, 46, who worked in the papal household, was arrested after police found a wealth of sensitive Vatican documents in the apartment where he lived with his wife and children inside the Vatican.
Fusco said he expected a Vatican magistrate to formally close an investigation and order Gabriele to stand trial on charges of aggravated theft. It carries a sentence of up to six years in jail under the law of the world's smallest city-state.
If convicted, Gabriele is widely expected to ask the pope for a pardon and if he does so, the pope will likely grant it, Vatican sources say.
If no pardon is granted, he will serve his term in an Italian jail, according to bilateral agreements between the Vatican and Italy.
Fusco said he had not seen the private letter Gabriele wrote to the pope but that Gabriele told him of its contents. The letter was given to a commission of cardinals investigating a scandal that has become known as "VatiLeaks".
The lawyer said the letter asks for "the kind of forgiveness one would seek from a friend, a spiritual, personal forgiveness". Gabriele would likely seek a judicial pardon after the trial, Fusco said.
CHURCH CLEAN-UP
At a news conference late on Saturday when Gabriele was placed under house arrest after a final, seven-hour interrogation, Fusco said Gabriele had wanted to help the pope and may have acted to help clean up the Church.
Many commentators have said that Gabriele, who served the pope his meals and rode in the front seat of the popemobile at the pontiff's general audiences, could not have acted alone and was a scapegoat for others.
But Fusco has said Gabriele was not part of any wider plot and had not received any money.
The butler's arrest in May threw the global media spotlight on an institution battling to defend its reputation against allegations of graft.
Some of the documents which found their way to the media alleged corruption in the Vatican's business dealings with Italian companies, involving the payment of inflated prices for work. Others highlighted rivalries between cardinals and clashes over the management of the Vatican's bank.
NEW YORK (Reuters) - The S&P 500 fell for a fourth day and the Nasdaq dropped on Wednesday after a rare earnings stumble from Apple, while strong results from Boeing and Caterpillar lifted the Dow.
Apple Inc , the most valuable U.S. company by market capitalization, reported sales late on Tuesday that fell short of Wall Street's expectations as the European economy sagged and consumers held off buying iPhones before a new version expected in the autumn.
Shares fell 4.3 percent to $574.97. Without Apple's losses, the S&P would have ended higher.
The price-weighted Dow industrials managed gains thanks to Caterpillar and Boeing. Caterpillar rose 1.4 percent to $82.60 after its quarterly profit easily beat Wall Street's expectations.
The world's largest maker of construction machines also raised its 2012 forecast.
"Expectations have been very low and this is a huge positive for the market," said Jack Ablin, chief investment officer at Harris Private Bank in Chicago.
Hope that the Federal Reserve will act soon to provide more stimulus to the economy also supported stocks. A report in The Wall Street Journal on Tuesday said Fed officials may be moving closer to taking more steps to aid the flagging economy.
Because of those expectations "bank stocks are performing relatively well," said Thomas Villalta, portfolio manager for Jones Villalta Asset Management in Austin, Texas. The KBW bank index <.bkx> was up 0.5 percent.
The Dow Jones industrial average <.dji> rose 58.73 points, or 0.47 percent, at 12,676.05. The Standard & Poor's 500 Index <.spx> was down 0.42 point, or 0.03 percent, at 1,337.89. The Nasdaq Composite Index <.ixic> was down 8.75 points, or 0.31 percent, at 2,854.24.
Housing stocks ranked among the worst performers on data for June showed the biggest drop in U.S. single-family home sales in more than a year. The PHLX housing sector index <.hgx> tumbled 3 percent, pulled lower by a 3.7 percent drop in D.R. Horton shares to $17.98.
The S&P 500 once again tested its 50-day moving average around 1,332. The benchmark index broke through that level on Tuesday but rebounded above it after reports the Fed was likely to provide more stimulus.
Boeing also helped the Dow when it reported a larger-than-expected increase in second-quarter profit and raised its full-year earnings forecast. The company said rising airplane deliveries offset higher pension costs. Boeing's stock gained 2.8 percent to $74.03.
Sixty-three percent of S&P 500 companies have surpassed earnings expectations so far, just a touch above the 62 percent long-term average, Thomson Reuters data showed.
Ford Motor Co reported a better-than-expected second-quarter profit but roughly doubled its forecast for losses in Europe where a deepening economic crisis pushed the auto industry's sales to their lowest level in nearly 20 years. Ford shares edged down 1 percent to $8.97.
After the closing bell, shares of Internet company Zynga , a game publisher, dropped 37.6 percent to $3.17. The company cut its 2012 earnings outlook and reported results below expectations. Shares of Facebook , which relies on Zynga for some 15 percent of its revenue, fell 7.5 percent to $27.15.
Shares of Visa rose 1.1 percent to $123.58 in extended-hours trading after the credit card company reported an adjusted profit that topped Wall Street estimates and raised its full-year earnings forecast for the second time this year.
Volume was about 6.43 billion shares on the New York Stock Exchange, the Nasdaq and Amex, compared with the year-to-date daily average of 6.74 billion shares.
Advancers beat decliners on the NYSE by about 16 to 13 and on the Nasdaq by about 7 to 5.
(Additional reporting by Rodrigo Campos; Editing by Kenneth Barry)
For many, the Nexus 7 could be a first foray into the world of Android. Google hasn't forgotten about those people, so they've gone and posted a quick getting started video to help guide through the process of setting up the tablet. While not providing compelling viewing for the more experienced -- many of the Android Central readers -- we should remember that we were all new once. It's a nice touch to see Google ensuring that all types of user are catered for. We'll take a guess that we haven't seen the last of these educational type videos either.
Something to note too -- the Nexus 7 in the video has clearly had its bootloader unlocked. Then again, it is a Nexus, after all.
When establishing an ecommerce website, there are a couple of things that the online entrepreneur should take into consideration.
Of course the first thing is to build a professional, good quality and user friendly website. Unlike informational websites where a do it yourself approach can work, the sensitivities of an ecommerce website requires that one engages the services of an experienced web designer and more so one that can provide references for ecommerce sites they have built in the past. Hiring a professional web designer will cost money but the benefits in the long run far outweigh the risks of a shoddy ecommerce site.
The site must be structured in a way that makes finding a product easy. The website?s pages must be logically organized with similar products grouped into sections and subsections. The transition from clicking ?buy? to when the customer receives confirmation on the page that their transaction is complete should be kept as short as is practically possible.
All links should be tested for proper working ? any bugs and page errors should be rectified before the website is officially launched.
In addition, the website owner should establish contingency plans with their hosting service that will anticipate and manage any sudden surge of site web traffic. As opposed to subscribing to a hosting service that blocks traffic when the bandwidth limit is exceeded, one should go for a service that allows the excess web traffic but at an extra charge.
That way, customers will not be put off by being unable to make the purchase when they want to do so.
Next, set up the merchant accounts that will facilitate and process payments made through the website. The essence of an ecommerce website is allowing payments through the internet. When setting up the website for merchant payments, the goal should be to allow all major credit cards, debit cards and internet payment service providers such as PayPal. The more alternatives for payment the site has, the less likely the site is to lose a customer because they cannot make payment.
Given the number of internet scams, it is important that an ecommerce website to be secure. If customers perceive an ecommerce website to be unsecure, they are unlikely to make any purchases. The site should be hardened and secured before it is launched. Validation and protection by a major, independent, online security service provider such as Equifax, Thawte Consulting and Verisign, will give customers confidence with the site.
Another key requirement is being open with information and avoiding creating an impression of secrecy. The site should provide the contact details of the management of the online business including email contact, physical address and a telephone number. Instructions and policies of the website should also be clear and easy to understand.
If the ecommerce site will be selling a tangible product that will require shipping, the online entrepreneur should engage the services of a reliable shipping service provider. At the same time, the business must ensure that it has a robust supply chain so that products do not run out of stock.
Trust is one of the fundamental elements that lays under the surface in just about every aspect of business. When you?re in a solid relationship with a client, you probably don?t even think about the trust factor, even though it?s always there working behind the scenes. But when trust is lacking, everything from selling your services, to working on a project, to simple communication can be a struggle. And it can lead to lost clients, lost work and lost income.
We all know that trust plays a primary role in sales ? you can?t successfully sell your products or services unless your target audience trusts you and believes in what you?re selling. But as important trust is to making the sale, it?s equally important in each of your ongoing client relationships. Client relationships based on trust, reliability, consistency and mutual respect are vital if you want to create long-term, repeat clients ? a must-have for any successful business.
Aside from the obvious qualities that lead to trust ? honesty, accessibility and dependability ? there are some actions you can take to further enhance the trust factor in your client relationships. If you do these often enough to make them a habit, you will find your relationships are stronger, easier to manage and more sustainable.
Be Transparent
No one wants to feel manipulated, but sometimes, it may seem easier to take an indirect approach when talking about an uncomfortable subject with clients (when you?re planning a steep but warranted rate increase, for example).? Being open and transparent across the board will make it easier for clients to trust you and believe that you have their best interests at heart.
Follow Through Every Time
Make it standard practice to say what you mean and mean what you say. And then do whatever it takes to fulfill your promises. If you consistently meet goals and complete what you start, your clients will gain confidence in what you do, and more importantly, what you say.
Declare What You Don?t Know
It?s important for you to know what you?re doing and assure the client that you can get the job done. But that doesn?t mean that you need to know everything. It?s expected that there will be areas where you are not an expert, and you can do great things for your relationships when you admit you?re not completely sure about something. In fact, your relationships will thrive if you?re willing to admit there are things you don?t know, and then have a plan for getting the information the client needs.
Listen and Respond
Like many things in life, building trust often boils down to being able to communicate successfully. And part of good communication is listening and taking time to understand what the other party is saying. Make sure you are listening to what your clients are saying, and then responding specifically to each and every concern, request and question. Not only will this cut down on project prep time and make you more efficient in working with your clients, but it will also assure your clients that you value them and their perspectives.
What do you do to build and maintain trusting relationships with your clients?
A bad credit score ranking is amongst the connection among monetary injuries. In particular cases, it?s a hurdle in receiving terribly important loans as illustration automobile finance. The best point has grow to be you may search for auto loans with bad credit. Health issues, injury, and getting out of perform are routine motives why folks suffer from financial conditions. These sorts of activities do not just attack the actual psychological at the same time as physical well-being with the particular person. It also damage finances that can possibly end outcome in bad credit score. Plenty of people today experiencing these kind of events possess difficulty attaining control of their spending budget. They could encounter difficulties acquiring loans despite the fact that attempting to begin anew. Auto loan is often a needed bank loan for a person to obtain back yet again in line. A fortunate note are going to be, finance institutions are now showcasing auto loans with bad credit on the net.
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Pretty much all firms offering bad credit auto loans apply virtually the identical treatment options. They are going to, nonetheless, differ in added firms and scenarios. Examine out these types of out and about quite cautiously just before making a choice. Like any service, make positive nearly every thing operates and preferences. Enquire regarding the large rewards at the same time. Ask the business enterprise exactly what positive aspects is applicable in which circumstance. This will be relevant in getting the best bargain. Bear in mind this stuff when finding a firm on your auto loans for people with bad credit. Be aware, also, which will deals enhance the moment your ranking improves. Which signifies you may discuss to get a improved agreement in addition to your loan provider. To achieve this, you firstly be forced to pay by the due date. When doable, cut down unneeded costs in order to concentrate on your existing commitments. It is good to know that even people with bad credit records can get a car loan.
Looks like there is a glimmer of hope in the construction/equipment sector.
Although we already know the equipment rental market has been going gangbusters, the?Equipment Leasing & Finance Foundation (the Foundation) July 2012 Monthly Confidence Index for the Equipment Finance Industry (MCI-EFI) released today shows that financing equipment is looking up. (For pie charts from the survey findings, click here.)
The index found that?confidence in the equipment finance market is 51.5, up from the June index of 48.5. According to the Foundation, this however reflects continuing concern about external economic factors and regulatory and political uncertainty.
The index reports a qualitative assessment of both the prevailing business conditions and expectations for the future as reported by key executives from the $628 billion equipment finance sector.
From the survey: Generally speaking, do you expect your business conditions to get better or worse over the next four months? Source: Equipment Leasing & Finance Foundation
When asked about the outlook for the future, MCI survey respondent Russell D. Nelson, president, Farm Credit Leasing Services Corporation, said, ?Continued volatility/uncertainty at home and abroad may inhibit planned/needed capital expenditures during the next six months, but low interest rates and tax incentives will enable our industry to generate modest increases in asset volume and profitability through the remainder of 2012.?
He added, ?Improving credit quality, stable earnings, and demand for innovative/creative lease and loan products should position our industry for improved growth in 2013 and beyond.?
The?July 2012 Survey Results are as follows:
The overall MCI-EFI is 51.5, up from the June index of 48.5.
When asked to assess their business conditions during the next four months, 6.5 percent of executives responding said they believe business conditions will improve over the next four months, down from 8.1 percent in June. 71 percent of respondents believe business conditions will remain the same over the next four months, up from 64.9 percent in June. 22.6 percent believe business conditions will worsen, down from 27 percent the previous month.
12.9 percent of survey respondents believe demand for leases and loans to fund capital expenditures (capex) will increase over the next four months, an increase from 8.1 percent in June. 71 percent believe demand will ?remain the same? during the same four-month time period, up from 64.9 percent the previous month. 16.1 percent believe demand will decline, down from 27 percent in June.
19.4 percent of executives expect more access to capital to fund equipment acquisitions over the next four months, up from 10.8 percent in June. 77.4 percent of survey respondents indicate they expect the ?same? access to capital to fund business, a decrease from 86.5 percent the previous month. 3.2 percent survey respondents expect ?less? access to capital, up from 2.7 percent who expected less access in June.
When asked, 35.5 percent of the executives reported they expect to hire more employees over the next four months, up from 24.3 percent in June. 64.5 percent expect no change in headcount over the next four months, virtually unchanged from 64.9 percent last month, while no one expects fewer employees, down from 10.8 percent in June.
71 percent of the leadership evaluates the current U.S. economy as ?fair,? down from 78.4 percent last month. 29 percent rate it as ?poor,? up from 21.6 percent in June.
Question from the survey: Over the next four months do you expect to have more or less access to capital to fund your leasing and lending business? Source: Equipment Leasing & Finance Foundation
9.7 percent of survey respondents believe thatU.S.economic conditions will get ?better? over the next six months, up from 8.1 percent in June. 71 percent of survey respondents indicate they believe the U.S. economy will ?stay the same? over the next six months, up from 64.9 percent in June. 19.4 percent believe economic conditions in theU.S.will worsen over the next six months, a decrease from 27 percent who believed so last month.
In July, 25.8 percent of respondents indicate they believe their company will increase spending on business development activities during the next six months, down from 29.7 percent in June. 71 percent believe there will be ?no change? in business development spending, up slightly from 70.3 percent last month, and 3.2 percent believe there will be a decrease in spending, up from no one who believed so last month.
July 2012 MCI Survey Comments from Industry Executive Leadership:
Depending on the market segment they represent, executives have differing points of view on the current and future outlook for the industry. The following are comments the Foundation gathered:
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Public release date: 30-Jul-2012
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