Tuesday, July 31, 2012

Give Your Kitchen a New Look with Modern Kitchen Appliances

One of the best ways to improve the value in your home is to do upgrades in the kitchen. If it isn?t in your budget to do a kitchen remodel, consider upgrading the appliances only. New appliances give the kitchen an updated feel. If looking to do this cheaply, scour weekly newspaper ads to find stoves and refrigerators on sale. If you haven?t found the perfect items for your kitchen in sale ads, many stores offer deep discounts on floor model appliances. These appliances come with the same warranties, and an additional bonus to purchasing floor models is there is no waiting for an order to come in.
The hot item in kitchen appliances right now is anything stainless steel. The look of stainless steel appliances is very appealing, and gives any kitchen an instant upgrade. Another appliance to consider when upgrading is a dishwasher. These greatly increase a home?s value, and also will save you a lot of time. If you have a smaller kitchen considers removing a kitchen cabinet to make room for one. This is an easy step to do, and the dishwasher will quickly pay for itself in time saved not hand washing dishes.
Another bonus to upgrading your kitchen with modern appliances is saving on energy bills. Almost all modern appliances are now made to be high efficacy. This drastically reduces costs of your annual energy bills.
Modern kitchen appliances are efficient in other ways as well. For example, ice makers in refrigerators never leave you asking who put the ice tray back empty, and most modern refrigerators have cold filtered water piped right through the door. Modern stoves can save a lot of time and mess by having self-cleaning ovens. If you have ever had cheese drip from a pizza, you know how difficult that can be to remove. With modern ovens, it is cleaned simply with the push of a button.
If looking for some easy ways to upgrade the look of you kitchen without doing a complete remodel, remember, upgrading your outdated kitchen appliances to new ones can be a quick, easy way.

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Source: http://www.homebasedhelper.com/give-your-kitchen-a-new-look-with-modern-kitchen-appliances/

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Card games ? having fun at home

Card gamesPeople?s most famous relaxation and amusement method over the centuries is also represented by the diversified range of card games, which date back to the 9th century, being known for the first time in the Far East, during the Chinese Tang dynasty. As we all know, a normal deck of cards contains 54 cards among which 2 are called ?Jokers?. The rest of the cards are divided into groups of four, having written on the front side numbers from 2 to 10, and in addition, other 4 special markings: Jack, Queen, King and Ace. To render them unique, there are also 4 different types of cards: hearts, spades, clubs and diamonds.

All games differ depending on the region, culture and from person to person and can be played within the society, family and other smaller circles. Here are a few of the most popular card game:

-????????? Poker ? is probably the most popular card game in the whole world, statistics showing that around 45 million people have played it at least once in their life. There are many versions of the poker game, among which the most popular being Texas Hold?em and 5 cards Poker (5 Card Draw). Texas Holdem is the most popular online version on the Internet and rules are quite easy: there must be at least 2 players, each of them getting 2 cards. Another 5 cards will be set on the table in a specific order if bets are made on that game. The first 3 cards on the table represent the Flop, the 4th represents the Turn and the last card is the river. Generally, the Texas Hold?em Poker is played with chips (replacing money) or directly with real money. The 5 card draw is best played in 4, the selected cards usually being from 7-8 and up.

-????????? Another card game usually popular with men is Whist. Depending on the number of players (from 4 up), the cards to be inserted in the game are selected, and usually have to be the players? number multiplied by 8. The game consists in the winning of as many ?hands? as possible; before each round, the players must state exactly how many hands they will win, each extra or minus hand being afterwards deducted from their scores. A regular game of Whist starts with 8 games by using all the 32 available cards, further on each player receiving one card less until only one card remains. Then, players end up being unable to see their own card, only the opponents?; after 8 such games, in each of the following ones one more card is added increasingly until reaching again 8 games of 8 cards. The scoring system is as follows: each player gets 5 points for a winning a round, plus other points representing the equivalent of the hands won. At the end of the game, the player with the most points wins.

-????????? Blackjack is part of a series of card games found in the most famous casinos in the world. Blackjack or ?21? as it is called in certain areas can be played with minimum 2 players. Each of the players gets 2 cards, one face up and the other, face down. The value of the cards from 2 to 10 is normal, while the cards following 10Cards get 10 points each. The Ace can also be used as 1 point or 11 points depending on the player?s needs. In order to win, players must sum up as many points as possible without exceeding a total of 21.

-????????? War is one of those card games that are specific to younger ages. It is still a fun game and requires at least 2 players. All the cards are equally dealt to all players and with each round, they turn, face up, the first card from their deck. Who has the biggest card wins that group of cards, and if there are two players with the same card, then they call ?War?. The players will choose a number of cards that they will play ?War? with and each puts down the corresponding number from their decks. The last card down will make the difference and decide who will win all the other cards. In the end, the player who gets all the cards also wins the ?War?.

Other more or less famous card games are: Seven, Macaw, Killer surrender, Machu Pichu, The letter etc. At the same time, one of the most famous online card games that can be played by a single player is Solitaire, which can also be found in other versions (Spider Solitaire, Scarab Solitaire). All these games are meant to help people socialize people easier within different groups.


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Tags: Blackjack, card games, how to play blackjack, how to play poker, how to play war, how to play whist, origins of card games, poker, popular card games, solitaire, war, whist

Source: http://whatafy.com/card-games-having-fun-at-home.html

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Defy Aging And Tired Eyes: Remain The Fairest In The Land! | Gnet ...

Mirror Mirror On The Wall?

We have all at some point, woken up, only to look in the mirror and be greeted with a less than flattering ? occasionally horrifying reflection ? tired and dark, puffy and aged eyes staring back at us! This can simply be the result of an occasional disturbed night?s sleep ? or perhaps the price to pay for a night on the tiles! It is, however, a demotivating condition that a great many of us live with on a daily basis, and whilst it does become more prevalent with age ? as Snow White?s Wicked Stepmother would no doubt attest to ? it would be a mistake to assume that its suffering is limited to the middle-aged and the elderly ? for those with youth on their side are by no means impervious! Whether you suffer dark circles occasionally, or represent one of the many unfortunates affected by almost permanent dark and puffy under eye areas, fear not, for there are products that offer a potential solution to this embarrassing problem!

The Fairest Complexion Of All ? Not Always Trouble Free?

It is a common misperception that dark circles and bags under our eyes are caused primarily by fatigue or stress. A dermatologist will tell you that dark circles under the eye area are, in fact, the result of capillaries leaking blood under the thin area of skin under our eyes, close to the skin surface. So the fairer our complexion (the more ?transparent? the skin), the more prone we are ? perhaps Snow White?s Wicked Stepmother would take some comfort in such findings! Eventually the blood turns a bluish red colour, and there you have it ? unattractive dark circles and bags that do nothing for our self-confidence, and suggest that we may be burning the candle at both ends ? even when we aren?t!

Did You Sleep OK?

Fed up of hearing questions like ?did you sleep ok ? you look tired?? and ?good night last night was it?!? Perhaps you are exacerbated with the situation, having already tried numerous beauty products that failed miserably to live up to expectations, succeeding only in reducing your bank balance ? rather than the wrinkles and puffiness under your eyes! But before resorting to such extreme (and costly and potentially dangerous) measures such as surgery, it may be worth experimenting with products such as ?Dermology Eye Cream?, a cream whose results have been attested to by a number of people such as this customer on YouTube

Threefold Age-Defying Action?

Promoting beauty and youth is an all important way to boost confidence and self-esteem ? things that women in today?s world can be lacking ? particularly when there is so much pressure to look gorgeous and defy the aging process by maintaining youthful skin! For some women, discovering the secret to eternal youth has become an obsession! Created by a leading American anti aging skin care company, Dermology Eye Cream is a product that would seem to offer a natural and affordable answer to dark puffy eye areas and signs of aging such as crow?s feet. Though there is a line of thought that no single product can combat numerous issues, it is claimed that this cream constitutes an all-in-one formula to tackle the big three irksome eye concerns that suggest fatigue and give away age; dark circles, puffiness and wrinkles?

The Science ? No Magic In Sight!

Dermology Eye Cream uses a non-greasy formula, uniting a combination of clinically tested ingredients that are known for their moisturizing and anti-aging properties, as well as their ability to reduce the appearance of fine line wrinkles and dark circles. There are four key ingredients found therein that would seem to support such claims?

Niacinamide is a water-soluble variant of the Vitamin B complex that reduces signs of aging by promoting moisture retention around the eye area.

Bisabolol is derived from Chamomile and helps reduce puffiness with its soothing properties.

Chyrsin is a flavanoid that can improve the appearance of skin by reducing excess skin pigmentation (caused by hemoglobin breakdown).

N-Hydroxycicinimide can help lighten dark under eye areas ? also by reducing skin pigmentation.

Application

As with most similar products, Dermology Eye Cream ought to be applied carefully around the eye area. This sensitive region can become irritated and puffy, thereby defeating the object somewhat, when excessive quantities of a product are applied. Therefore you need only dab a very small amount around each eye and then gently massage in. Regular application is recommended in order to help reduce dark circles, puffiness and fine wrinkles around the eyes. Although the cream is natural and safe to use, in the unlikely event of any unwanted effect, you should consult a doctor (remember that as with almost any product, it is possible to suffer an allergic reaction to an ingredient contained within).

Bright And Clear Window Into The Soul?

Our eyes are a main feature of beauty on our face, one that we women in particular take a special pride in, though the area around can also betray us, revealing tell tale signs of aging! Findings suggest that Dermology Eye Cream may represent a practical way of cheating nature (certainly more practical than searching for a mythical fountain of youth as people did in ancient times, and easier than resorting to extreme modern measures such as surgery!) So based on results observed and the basic properties of its ingredients, it would appear to be worth giving this product a try! With the eyes also representing a window into the soul, giving away mood and feelings, surely you want your partner to gaze into beautiful bright sparkly eyes that reflect your inner youth and energy!

Source: http://www.gnet.org/defy-aging-and-tired-eyes-remain-the-fairest-in-the-land/

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Visit Nature ? Travel health insurance in India and Bajaj Allianz

Posted on July 30th, 2012 in asia

Article by Jesse

Travel health insurance in India and Bajaj Allianz ? Business ? Service Reviews

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Think about travel health insurance in India. Plans offered by TATA AIG, Bajaj Allianz, ICICI Lombard, Reliance, Future Generali, Apollo DKV, Iffco Tokio, Cholamandalam, and more insurance companies will flash in your mind. Imagine spending much time going through the features of the different plans at different online platform or just meeting agents and accordingly choosing the best. What about comparing top plans in minutes and buying the best and cheapest one instantly using your credit card or debit card or even a cheque? Yes, this can happen at eIndiaInsurance.com. This insurance portal runs a unique insurance comparison tool, using which you can compare insurance policies in terms of rates and features in no time. Why fret about visiting one platform after another when you can get free quotes here instantly once you feed the input. Buying travel health insurance in India has never been so easy and hassle free!

If you are a resident of India and plan to travel abroad, you should buy travel health insurance in India before you start your trip. Even if you are a student and go for a long duration trip, you should get the desired plan related to travel health insurance in India. One of the general insurance companies worth mentioning that provides is Bajaj Allianz. Here is a list of five of the plans it offers along with gist of the features incorporated:? Bajaj Allianz Assist Card at ,000, 0,000 and 0,000 coverage; covers pre-existing medical conditions, guaranteed cashless assistance even for minor medical expenses? Bajaj Allianz Elite Travel Insurance with cover for home burglary compensation, trip delay, curtailment and cancellation, hijacked aircraft, cashless facility for outpatient treatment expenses above 0, cashless service for inpatient treatment worldwide, etc.? Bajaj Allianz Asia Travel Insurance for all Asian countries except Japan; period of travel not to exceed 30 days? Bajaj Allianz Companion Travel Insurance at ,000, 0,000 and 0,000 coverage; cashless service for hospitalization? Bajaj Allianz Senior Citizen Travel Insurance for senior citizens aged 71-85 yrs with maximum coverage is ,000 and 180 days duration.

When you buy travel insurance in India, go for either single or multiple trip depending on the frequency of your trip. The aforesaid policies can be bought directly at eIndiaInsurance.com. No extra charges are levied. Cheapest price of your travel health insurance in India is guaranteed here.

plans in minutes and buying the best and cheapest one instantly using your credit card or debit card or even a cheque? Yes, this can happen at eIndiaInsurance.com. This insurance portal runs a unique insurance comparison tool, using which you can compare insurance policies in terms of rates and features in no time. Why fret about visiting one platform after another when you can get free travel insurance quotes here instantly once you feed the input. Buying travel health insurance in India has never been so easy and hassle free!

About the Author

Jesse is an insurance expert with travel health insurance in India, ? One Stop Shop for comparing and buying various travel insurance plans online i.e Bajaj Allianz Student Insurance. EIndiaInsurance team provides 24?7 customer support before and during your travel.

Use and distribution of this article is subject to our Publisher Guidelines
whereby the original author?s information and copyright must be included.

Jesse

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Source: http://www.vis-ta-nature.com/asia/travel-health-insurance-in-india-and-bajaj-allianz/

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Monday, July 30, 2012

Top 5 Mistakes California Homeowners Make When Facing ...

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Let?s face it: when confronted with potential foreclosure on their home, many homeowners panic and don?t necessarily make the right decisions. Not knowing your rights or the rules, failing to get informed or ignoring the problem altogether often lead to very costly mistakes, some of which are described further below.

#1 MISTAKE: Ignoring the Problem

We know how natural this reaction is among homeowners having trouble paying their mortgages and other bills, its simply human nature: freeze up, go into denial, and stop opening the bank notices. The overwhelmed homeowner feels absolutely lost, not knowing where to turn, and thinks that contacting the lender will be a waste of time. This is absolutely the most serious and costly mistake a homeowner can make.

To Avoid It: whatever you do, if you are facing foreclosure, take some action, contact your lender and contact an experienced attorney or government agency as soon as you can to discuss your options. There are extensive rules and regulations in place to help struggling homeowners like yourself, including extensions, mandatory negotiation processes that the banks must follow in an effort to help you try to resolve your problem, especially if facing a hardship as are so many current struggling homeowners. There are legal strategies that can be implemented; laws may have been violated inissuing your mortgage or during the ongoing foreclosure process; any number of violations may enable you to invalidate the foreclosure process, force a negotiation of a short sale or reach some other resolution.

#2 MISTAKE: Not Knowing the State Foreclosure Rules and the Timelines That Apply to Your Foreclosure

The second big mistake that homeowners make is in failing to learn the foreclosure procedures and timelines in their state so that they can understand exactly where they are in the process and anticipate what time they have left to act.

Knowledge is power. Rules vary from state to state and can be very complicated and confusing. Failing to understand the foreclosure timelines can cause one of the most costly mistakes: the homeowner believing the sale is postponed, only to find out that the foreclosure sale had been proceeding all along and that their house has actually been sold by the bank at a trustee?s sale! This is an all too common mistake being made and results in the scenario in which the homeowner finds out his house is sold only from a knock on his front door from a new owner saying ? I have bought your house at a foreclosure sale and you need to vacate.

To Avoid It: You need to contact an expert to inform you regarding the specifics of your case.In general, the California foreclosure process is as follows:

Following at least 90 days of delinquency in mortgage payments, the lender issues a Notice of Default (?NOD?) The NOD is mailed to homeowner, recorded in the County where property is located, and the 90 day NOD period begins At the end of the 90 day NOD period, the Notice of Sale (NOS) is mailed to the homeowner, filed by the lender at the County recorders office, published in the newspaper, The NOS must give at least 21 days notice before the actual trustee?s sale, and will include the information on the sale (time, date, address?of the sale which will usually be conducted by trustee?s near a court house in the county where the property is located. It is important to note that very frequently the trustee?s sales dates are postponed; yet no notice of the new trustee?s sale date is sent to the homeowner.*Note: A new 2009 California law extends the foreclosure period an additional 90 days for certain loans.

Generally, it is vital to start trying to resolve your situation by negotiation or other strategy as early as possible. The lender will work with the homeowner to try to resolve the situation in the first 90-day Notice of Default (NOD) period. The deadlines can and are often delayed at the request of the banks if you are working with them. However, the banks are much less likely to cooperate once the file has reached the Notice of Sale stage, and the NOS has been recorded and published.

#3 MISTAKE: Failing To Get Informed and Make a Strategy To Help You Reach Your Goal

All too often, California homeowners faced with foreclosure are failing to get the help they need to determine what particular solution will work best for them. Due to the countless variations in each homeowner?s situation, solutions are highly dependent on the circumstances of each case. Solutions can range anywhere from moving out and letting the house go to foreclosure, all the way to filing a lawsuit against the bank to fight the foreclosure, and any number of variations in between from getting extensions of the foreclosure, negotiating a short sale, loan modification, deed in lieu, bankruptcy and others.

To Avoid It: Consult with an expert foreclosure attorney (see contact form at the bottom of this page) who can advise you regarding a strategy to meet your particular circumstances. The banks and loan servicing companies have large numbers of attorneys to represent their interests. Trying to devise a strategy and contest the banks without the use of an experienced foreclosure attorney can lead to costly and irreversible mistakes. Get an experienced attorney who should keep your lender informed so as to maximize your opportunities for a successful resolution.#4 MISTAKE: Thinking That Filing Bankruptcy Is Always The Best SolutionMany homeowners have been talked into filing bankruptcy before foreclosure or very early in the foreclosure process. This can be a HUGE mistake. Some homeowners have been told that this will save the house. It will usually only delay the sale as, following a relief from stay court hearing, the house will be often be released from the bankruptcy. What ?s worse: By filing early, if the bankruptcy is completed before the foreclosure, the homeowner may have lost the biggest reason for going bankrupt: to discharge the huge potential liabilities from the foreclosure, from the 1099 debt relief, or from juniorliens that will be sent to collections.

To Avoid It: Before filing bankruptcy, make sure you speak with an experienced foreclosure defense attorney to understand all the issues involved.

#5 MISTAKE: Trying To Sell Or Short Sell The House Without Understanding The Current Market and the Difficulty of the Process

Too many homeowners have been burned in the last few years by deciding they would sell their house via a regular or short sale, only to find out the massive delays, headaches and eleventh hour threats from the banks render the entire process NOT worth pursuing, and sometimes, even putting the homeowner in a WORSE position than if he just let the house go to foreclosure. One of the complicated yet vital issues is that banks are often allowing the homeowner to go through the short sale process for months, only to make a last minute demand just before the closing that the homeowneraccept liability?by signing a note- for all or part of the mortgage amount being forgiven. Ironically, in California, homeowners have a valuable legal protection making them NOT liable for deficiency judgments if the loan was a purchase money loan?and yet many, in connection with short sales,unaware of this protection?are signing promissory notes accepting liability they otherwise would not have.

To Avoid It: Consult with an experienced foreclosure defense attorney who can advise you regarding the best course of action.

This article is a courtesy the Save Your Home from Foreclosure Team, specialist foreclosure attorneys. You can reach them at 1-888-736-4248.

DISCLAIMER: The information provided on this website or the web sites linked herein are not a substitute for professional medical or legal advice, diagnosis or treatment. In addition, viewing the content on these websites, requesting additional information, or transmitting information through a contact form does not form an attorney-client relationship with the sponsoring attorney. Any results set forth herein are based upon the facts of that particular case or scientific study and do not represent a promise or guaranty regarding similar outcome or causes. The information on this site is intended for educational purposes only and should never interfere with a patient/site visitor and his or her healthcare provider. This firm is licensed to practice law only in the state of California, but is affiliated with a network of licensed attorneys in other states.

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Source: http://rawbusinesslaw.com/2012/07/30/top-5-mistakes-california-homeowners-make-when-facing-foreclosure-real-estate-foreclosures/

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How Marine Boat Insurance Works | Content for Reprint

Author: Tony Lord | Total views: 148 Comments: 0
Word Count: 694 Date:

If you are familiar with motor insurance policies then most of the ideas behind that hold over to the marine watercraft insurance world. But there are numerous important distinctions and this article is here to help you understand the vital ins and outs of marine boat insurance. Reading this before confirming your insurance contract can save you thousands of dollars in premiums or provide you much better payments in the event of a claim.

A fundamental point about boat insurance is that just about all marine policies are formulated as "All Risks" plans. However, the thinking is not over yet as "All Risks" only stands for all risks ? aside from the detailed exclusions and for stipulated boat usage and inside of a given region or water type. So some extra work is required to guarantee that risks to which you could be exposed are either acceptable to you or are not on the company's yacht insurance exclusions list.

Very occasionally a boat policy quote may be provided for "named perils" and will protect the most frequent hazards such as fire, theft and weather effects. Policies like these are able to charge substantially reduced premiums ? but that is due to the fact that you, as the watercraft owner, are left substantially more vulnerable than with a standard policy. An example of this could be a claim arising from vandalism where no theft or fire has happened. Any such policy requires very careful examination before it is embraced.

Exclusions are a vital aspect for you to consider your boat's policy proposal for long lasting confidence, and also one of the main differentiators between policies and insurance providers. With an 'All Risks' watercraft insurance policy everything is protected apart from those items and causes listed, so some thorough reviewing is required. Each and every firm seems to employ a unique lineup of exceptions, so in this article are several common ones for you to take into account.

Losses brought on by or arising from wear and tear, routine deterioration, attacks by marine life and insects as well as mold and mildew and weathering are commonly excluded from your watercraft's insurance cover. Having said that, on new craft (up to four or five years old) you may have the chance to negotiate 'new for old' on particular objects. Other hull areas frequently omitted are blistering and osmosis in fiberglass, deficiencies in initial design or fabrication and corrosion.

Your motor and power train is an very expensive part of your motor boat and it is not unheard of to find exclusions in this area of boat or yacht insurance. Failure of individual components is not an uncommon exclusion, however consequential damage ought to be included. So, as an example, if your oil pump breaks down it would not be covered, but the repair works to the other parts of the engine should be.

But your boat almost definitely does not live its entire existence on the water. Here's yet another area where organizations differ in their approach to marine insurance exclusions. Think about lifting the boat from the water. Who insures your sail boat whist it sits in the sling and being brought up by a crane? Don't presume or suppose, slides here are not unfamiliar and, if they occur, are generally catastrophic with respect to the boat.

Then there's the on-land storage. Though the boat is safely and securely propped over the winter on the hard standing , who deals with damages to your fixtures and furnishing caused by over wintering creatures who identify a warm spot on board shielded from the elements? Check your marine insurance does!

And then finally there's over land transportation. Exclusion riders here on your boat insurance should have very thorough checking to make certain this hazardous aspect of your boating life is appropriately addressed. It doesn't matter if it a jetski hauled at the rear of your automobile or a large luxury yacht on a low loader, make sure you obtain the correct boat insurance cover in place.

To your boating enjoyment!

Get your Free Guide to the Top Ten Boat Insurance Tips immediately at http://marineboatinsurance.net Pick up these valuable tips, pointers and guides - visit http://marineboatinsurance.net

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1: How Seiko Kinetic Watches Compare With Citizen Eco-Drive For Divers

Both these companies make great products, but they do so utilizing completely different technologies So which is best, and further more which is the better choice when considering purchasing a dive watch

2: The Role of Agility Training for Tennis Players

Agility is such an important component when it comes to an athlete being fast. Tennis requires the athlete to be fast over short distances, in multiple directions and have the ability to develop explo

3: What 2008 Snowboard Binding is Right for You?

It is recommended that you buy boots before purchasing a pair of snowboard bindings. Finding the best-fitted boots makes it easier for you, since you can fit your snowboard bindings snugly without worrying about the shoes being too big or too small.

4: Which Tennis Strings Will Take Your Tennis Game to the Next Level

Strings have been one of the hottest topics of discussion on the pro tour in recent years. Most specifically how the Luxilon strings have become such powerful method of improving player performance.

5: List of Famous Horse Races of All Time

There are many horse races, but there are also horse races that are famous. With the growth of this sport, a lot of horse races will push through. But for now, is the famous horse races.

Source: http://www.content4reprint.com/recreation-and-leisure/sports/how-marine-boat-insurance-works.htm

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Sunday, July 29, 2012

Conservative Investing Procedures That Are Long Term | Custom Hats

Bonds, Debentures and preference shares are often considered long term investments because they take a while to grow. This is often how many people plan to save money for their future. Before you can expect your plan to be successful you need to put in the work and understand how fiddly they can be. The following are several reliable options that could help your approach to long term investing.

Life insurance is often regarded as a very good long term investment option. It primarily helps by providing a nice financial solution for your family when you pass away. Plus as the policy matures they can have even better returns.

If you are looking for a superb life after retirement long term investment plan then you might want to look at Annuities. They offer good returns from the annual payments that you make. All that they require is payment of premiums on a yearly or monthly basis to the holder of the annuity. Companies like the ones at investment funds specialize in helping you design investments which will be used to purchase annuities on retirement.

Government bonds and certificates are often considered to be the safest long term investment one can make.

Due to their appreciative nature in value, gold and mortgages can be highly significant long term investment options except that they involve a lot of risks.

Long term investment markets can be a quite intimidating environment to a rookie. It is very hard to find a niche to invest in and it will require extensive research and very good judgment. The below tips and information will therefore come in handy.

Plan and evaluate. There are 4 simple steps to planning a long term investment Look at what the entire investment, calculate the return, look at how fast you get the return and how suitable it is for you.

Be inventive with all your investments. This includes reinvesting if you have a good short term investment that pays off. Or try to buy extra property to rent out for even more money. Rent paid by your tenant will then be channeled towards the payment of your mortgage installments.

Diversify your investments and reinvest, it is that simple. Reinvestment and diversification entails spreading your risks into various available opportunities. Try to get returns from different areas of investment, as if one method collapses you do not want to be left with nothing.

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Source: http://jamisonpalayjewelryblog.comicspace.com/2012/07/29/if-youre-hopeless-which-experts-claim-assist-with/

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Comparing Secured and Unsecured Loans | Personal Financial ...

Comparing Secured and Unsecured Loans ImageAre you, like many people, trying to make sense out of your financial situation? Looking for a way to make ends meet? Struggling to keep up your monthly repayments on credit bills? If so, you might well be tempted by the widespread offers of consolidation loans and other easily available lines of credit, which promise you an end to your financial worries.

Unfortunately, life isn?t that simple, and taking out a loan without proper consideration of the consequences can be absolutely disastrous for your future financial health. At the very minimum, you should be completely sure of the kind of loan you?re applying for, and what the differences between the types might mean in your particular situation.

There are two major kinds of personal loan, Unsecured and Secured. Here we?ll take a brief look at the main features of each, to help you be aware of what you?re entering into when signing a loan agreement.

Unsecured Loans

These loans are the most common type, and are what most people think of when considering personal loans. They are usually for small to medium amounts, and are aimed at people with good credit ratings, and the sort of financial circumstances lenders love ? a steady income large enough to cover repayments, and no great history of debt problems. To get an unsecured loan you don?t have to offer any collateral to guarantee repayment, and so the lenders are looking for someone who represents a low risk. As there is no collateral involved, you don?t have to be a homeowner. Rates are often attractive, and compare very favourably with other kinds of unsecured finance such as credit cards.

Secured Loans

These loans are only available to homeowners, as they?re advanced on the basis that if you don?t keep up repayments, the lender has the option of seizing your home, and selling it to pay off your debt with the proceeds. They are available for much larger amounts than unsecured personal loans, as you may be able to borrow as much as your home is worth or even more, and the repayment term is usually much longer ? up to 25 or even 30 years compared to the 5 years which is more common with unsecured loans. Because of the security given to the lender by laying down your home as collateral, the approval criteria are often less strict, so it?s easier to be approved, even with a poor credit rating.

Unfortunately this ready acceptance of applicants with adverse credit can mean that the interest rate charged is higher, as the lenders know that most applicants are unable to get finance elsewhere and will be happy to pay a little extra.

So now we?ve seen the differences and similarities between the two major kinds of loan, but what does it mean in practice? Basically, you should think very hard about turning unsecured debt into secured debt, and you should also consider carefully any attempts made by a lender to upgrade your unsecured loan application into a secured one. After all, defaulting on an unsecured loan will have very damaging consequences for your credit rating, but defaulting on a secured loan would mean losing your home.

Source: http://greensblog.org/comparing-secured-unsecured-loans.html

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Saturday, July 28, 2012

Homeschooling has Many Advantages for the Education of Children ...

The most obvious is that you, the parents, to tailor education specifically targeted at special needs of your child makes. Also allows you to teach in a style that fits your child ? as we all know, different people learn better in different ways. When you decide to homeschool is important to remember that and be a parent, you are now taking over the role of the teacher. This is of course no responsibility to be taken lightly, and you should make every effort to provide the best teacher you can be.

Everyone has the experience of having good and bad teachers. If you stop and think about it, I think you see some things that you are good teachers who have in common. The important thing is that they are really interested in their field. Nothing makes a better teacher than the enthusiasm for the subject. I think you?ll also notice that most of you have a bad teacher is not interested in the subject they teach. It is for this reason it is important that the experience of homeschooling that interest you and your child.

While your child?s education should come first when creating curriculum homeschooling, you will not be ashamed to think about your own education as well. When we look at things to learn in specific subject areas, think about the things you?re interested in activities that you could not so much to discover as you like when you were at school.

It can not be underestimated how valuable experience is to learn with your child. You will strengthen family bonds, and mutual interest and excitement in the subject make sure your child to retain the information. One way to do this is to understand the balance between rigidity and flexibility in homeschooling curriculum.

A certain amount is needed in the general curriculum formalness: You have a purpose and a plan in which certain things must be learned. But their schedule, you have a high degree of flexibility, and you must use it to your advantage. When studying literature, for example, understand that the goal is to read good literature and learning, not necessarily to a particular book. So instead of studying the ?standard? new you have read, consider a new book for you. With both you and your child are interested in the book, the experience of reading together are fun for both of you because you are both satisfied with the outcome.

This concept does not apply only to the literature, think of things in science or music, for example that you always wanted to know about. If you are sure that you are interested in the subject well, your child will feel your enthusiasm and interest in the topic, provide a more valuable educational experience.

Source: http://www.michaelgrattan.com/2012/07/homeschooling-has-many-advantages-for-the-education-of-children.html

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KC's new sales tax is wrong plan at wrong time | Midwest Voices

Kansas City Star Editorial

The Kansas City Star

Investing more dollars to improve parks and roads in Kansas City sounds like an attractive?idea.

Unfortunately, the plan to increase the sales tax by a half cent to tackle these tasks ? spelled out in Question 1 on the Aug. 7 ballot ? is?unappealing.

The Star?s editorial board recommends a ?no? vote on this?proposal.

It is ill-timed, confusing and ultimately?unsupportable.

Difficult financial times require the most judicious tax increase requests. And while it was a tough call to reject the worthy goals of this ballot issue, the plan in Question 1 doesn?t pass?muster.

Among our many?concerns:

  • Removal of three small property taxes, buried in current tax bills, isn?t a significant tax break and no urgent rationale exists to remove them. While the public generally is less hostile to sales taxes than property taxes, the temptation to hike sales taxes as the revenue source of least resistance isn?t a good enough reason to support Question 1. The Citizens Commission on Municipal Revenue recommended eliminating the three property taxes, but partly as a way to offer stormwater customers some rate relief. This plan ignores that goal?altogether.

  • The ballot language is unnecessarily obtuse. And clear ballot explanations are sorely lacking. Even city officials questioned last week by the editorial board stumbled in discussing exactly how much extra money could be available for roads and parks in the future. Road maintenance spending figures in particular rose and fell during the discussion, as more pots of public funds were revealed. And after a ?final? figure for road improvements was announced, a campaign staff email hours later claimed the total revenue was millions?higher.

  • Given the large number of tax-increment financing deals in effect, those projects would skim $4 million off the top of new sales tax proceeds. That?s great news for projects, but cuts into the intended benefits for roads and?parks.

  • The request comes before the city has demonstrated its ability to significantly cut costs in pensions, health care and other big-ticket items that must be addressed to secure the city?s long-term financial health. A show of good faith in those areas would put the city on stronger footing to request more taxes from its?residents.

Mayor Sly James deserves credit for helping to restore credibility to the mayor?s office and instilling a sense of pride and confidence in Kansas City?s future. City officials do appear headed in the right direction on reforming costly pension systems, the Fire Department and tax-break?programs.

However, the city has not made enough progress on these issues to warrant handing over an extra $23 million a year in higher taxes, which is effectively what Question 1 would?do.

And then there is the campaign literature beef. Mailed ads have not mentioned the bottom line that swapping some property taxes for a sales tax would result in a tax?increase.

The defeat of Question 1 would hardly cripple local government. It would force the city staff to find money in the $500 million general fund to continue operating the community centers, just as the staff found millions extra this year to finance unanticipated buyouts for retiring?firefighters.

If the tax loses, James and the council should continue to explore a future capital improvement program that could be financed through a large bond program, something he floated earlier this?year.

The city also could ask voters to resurrect the vehicle license fee and finance road improvements, making it a logical user?fee.

If voters reject Question 1, we?re confident City Hall can develop a better proposal to finance needed infrastructure upgrades. Voters, and The Star, have a long history of supporting positive, clear-cut?plans.

Source: http://voices.kansascity.com/entries/kcs-new-sales-tax-wrong-plan-wrong-time/

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Your iris may soon be the target of identity thieves

23 hrs.

Security researchers have successfully fooled commercial iris-recognition scans with a computer-generated replica of a human eye, raising questions as to the effectiveness of such biometric systems. Generating the fake iris only takes a few minutes, and does not require the original eye to be present.

Iris scans have for years been considered a secure and fairly straightforward biometric security measure; existing scanners can collect quite a bit of information, building a model of the user's iris and comparing it against future scans. But the process is not without its weaknesses.

Several years of research at West Virginia University and the Universidad Autonoma de Madrid have focused on how such a system might be defeated. The i-PRoBe lab at WVU has been looking into biometrics methods for over a decade, producing not just ideas for new systems but ways to circumvent existing ones. They were producing synthetic irises as early as 2005, though the mathematically generated images were more a proof of concept.

Javier Galbally, at UAM's Biometric Recognition Group, has pursued the practical applications of artificial irises, in particular the application to biometric security. In the research he and the others are presenting this week at the Black Hat security conference in Las Vegas, they explain how they were able to create not just a convincing iris, but one that would return more or less the same result as a given real-life iris. Wired's Threat Level blog first reported on?the presentation.

The researchers began by looking at the data such a security system generates when it looks at an iris ? various measures such as patterns, striations, the size of certain features, all produce a unique "password" that, until this week's presentation, was only able to be replicated?by the eye that produced it.

Once they had that output information, they created an iris image and scanned it through the system, then modified it and looked at whether it produced results that were more or less like the target iris's ? which, again, they have no actual image of, just this metadata. They kept changes that seemed to make their iris more like the target, and threw away changes with a negative effect. After 100 or 200 iterations and less than 10 minutes, the algorithm produces a simulated iris that will reliably scan in as the one that's still safe inside some user's eyeball.

Right now the research assumes that whoever is trying to beat the iris scanner has access to the codes that scanner would generate from a real iris. (In this case, the team used codes made public for research purposes.) In reality, those would hopefully?be carefully protected and encrypted, meaning it would be another security task entirely to get hold of them. But unlike a password, you can't just scrap your eyeball and get a new one.?If a single large user?database was breached, this technique could render thousands, or even millions, of irises insecure in an?instant.

In-place systems, such as those in some airports and other secure facilities, likely have additional security measures, like guards who might notice someone holding up a printout of an eye to an iris scanner. But the mere possibility of falsifying an iris successfully is enough to put the users of such biometric security systems on edge.

Devin Coldewey is a contributing writer for NBC News Digital. His personal website is coldewey.cc.

Source: http://www.futureoftech.msnbc.msn.com/technology/futureoftech/your-iris-may-soon-be-target-identity-thieves-914081

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Friday, July 27, 2012

Researchers unveil molecular details of how bacteria propagate antibiotic resistance

ScienceDaily (July 26, 2012) ? Fighting "superbugs" -- strains of pathogenic bacteria that are impervious to the antibiotics that subdued their predecessor generations -- has required physicians to seek new and more powerful drugs for their arsenals. Unfortunately, in time, these treatments also can fall prey to the same microbial ability to become drug resistant. Now, a research team at the University of North Carolina at Chapel Hill (UNC) may have found a way to break the cycle that doesn't demand the deployment of a next-generation medical therapy: preventing "superbugs" from genetically propagating drug resistance.

The team will present their findings at the annual meeting of the American Crystallographic Association (ACA), held July 28 -- Aug. 1 in Boston, Mass.

For years, the drug vancomycin has been the last-stand treatment for life-threatening cases of methicilin-resistant Staphylococcus aureus, or MRSA. A powerful antibiotic first isolated in 1953 from soil collected in the jungles of Borneo, vancomycin works by inhibiting formation of the S. aureus cell wall so that it cannot provide structural support and protection. In 2002, however, a strain of S. aureus was isolated from a diabetic kidney dialysis patient. This particular strain would not succumb to vancomycin. This was the first recorded instance in the United States of vancomycin-resistant Staphylococcus aureus, or VRSA, a deadly variant that many now consider one of the most dangerous bacteria in the world.

Former UNC graduate student Jonathan Edwards (now at the Massachusetts Institute of Technology), under the guidance of chemistry professor Matthew Redinbo, led the research team that sought a detailed biochemical understanding of the VRSA threat. They focused on a S. aureus plasmid -- a circular loop of double-stranded DNA within the Staph cell separate from the genome -- called plW1043 that codes for drug resistance and can be transferred via conjugation ("mating" that involves genetic material passing through a tube from a donor bacterium to a recipient).

Before the plasmid gene for drug resistance can be passed, it must be processed for the transfer. This occurs when a protein called the Nicking Enzyme of Staphylococci, or NES, binds with its active area, known as the relaxase region, to the donor cell plasmid. NES then cuts, or "nicks," one strand of the double helix so that it separates into two single strands of DNA. One moves into the recipient cell while the other remains with the donor. After the two strands are replicated, NES reforms the plasmid in both cells, creating two drug-resistant Staph cells that are ready to spread their misery further.

Using X-ray crystallography, Edwards, Redinbo, and their colleagues defined the structure of both ends of the VRSA NES protein, the N-terminus where the relaxase region resides and the molecule's opposite end known as the C-terminus. They noticed that the N-terminus structure included a region with two distinct protein loops. Suspecting that this area might play a critical role in the VRSA plasmid transfer process, the researchers cut out the loops. This kept the NES relaxase region from clamping onto or staying bound to the plasmid DNA.

Biochemical assays showed that the function of the loops was indeed to keep the relaxase region attached to the plasmid until nicking occurred. This took place, the researchers learned, in the minor groove of a specific DNA sequence on the plasmid.

"We realized that a compound that could block this groove, prevent the NES loops from attaching and inhibit the cleaving of the plasmid DNA into single strands could potentially stop conjugal transfer of drug resistance altogether," Edwards says.

To test their theory in the laboratory, the researchers used a Hoechst compound -- a blue fluorescent dye used to stain DNA -- that could bind to the minor groove. As predicted, blocking the grove prevented nicking of the plasmid DNA sequence.

Redinbo says that this "proof of concept" experiment suggests that the same inhibition might be possible in vivo. "Perhaps by targeting the DNA minor groove, we might make antibiotics more effective against VRSA and other drug-resistant bacteria," he says.

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Disclaimer: This article is not intended to provide medical advice, diagnosis or treatment. Views expressed here do not necessarily reflect those of ScienceDaily or its staff.

Source: http://www.sciencedaily.com/releases/2012/07/120726135238.htm

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Source: http://www.platinumlogistics.com/wp/logistics-trucking-in-san-jose-ca/

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U.S. campaign: Before the convention, there's the commute (reuters)

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

Source: http://news.feedzilla.com/en_us/stories/politics/top-stories/238412664?client_source=feed&format=rss

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Thursday, July 26, 2012

SharePoint Marriage Guidance - SharePoint Expert Blog

SharePoint Expert Blog

By Ant Clay, Founder, CEO & Tummeler at Soulsailor Consulting Ltd

July 25, 2012 - 12:22 PM

?

I normally talk about SharePoint project success in terms of ?SharePoint Celery?, where I see the negative calorific value of eating a stick of celery analogous to the lack of positive ROI in most SharePoint projects. For one day (blog post) only I want to switch analogies if I may.

Let us think of a SharePoint implementation in terms of a relationship and these four key stages:

????????? Flirting

????????? The Proposal

????????? Wedding Planning

????????? The Big Day

????????? Happily Ever After.

What I hope to reveal within this blog post is that in traditional SharePoint implementations (and probably a lot of weddings and relationships) we?are not focussing enough time and attention?on the right phases, which is why we don?t always get the outcomes we would wish for.

Flirting (Vision & the Why)

There may be days, weeks, months or even years to get to the point of being ready to ?propose? marriage or in fact the use of SharePoint to solve a business problem. But in both life and SharePoint contexts, this period is important, really important in fact! It?s this ?phase? where you decide the ?Why??, the reason for proceeding with the relationship and where we should be assessing the difference this project or marriage is going to make and whether it is really worth it.

Some marriages happen for no really good (long term) reason at all (no clear ?Why?? or benefit); most SharePoint projects unfortunately fit into the same category. I am sure most of us have at some time said of friends, celebrities or work colleagues ?why are they getting married? They have nothing in common, what will they get from it??

I see this as clearly analogous to not identifying a clear ?Why?? and not identifying the difference your project is going to make to those involved (the business or marriage stakeholders). There needs to be a very clear shared understanding and shared commitment required for a SharePoint project or a marriage to?really work long term.

We often see organisations implementing SharePoint ?just because? someone senior thinks it?s the right thing to do, or driven by the IT team because they have the technology so why not, and it is these scenarios that more often than not end in failure, disappointed users and worst of all, wasted resource (time, money and opportunity). Rather than deciding on a whim to deliver SharePoint (or get hitched), we should consider carefully the longer term and not rush. We should ensure we have a clear vision and understand the difference this is going to make to our business or lives.

A great way of achieving this is to use workshop techniques such as ?Remember the Future? or ?Cover Story?, which we at Soulsailor Consulting Ltd can help facilitate.

The Proposal (Business Case and Approval)

Marriage and relationships (we hope) are for the long haul, just like our SharePoint projects; but there are still a couple of pivotal points in time that we need to consider to make things work.

The first of these is the ?proposal? that point in time when you get down on bended knee in front of the board and ask for approval and funding of your project.

Let?s face it, no matter how clear and confident and sure of a future together we are (SharePoint or your partner), sometimes the planets don?t align and they say ?NO!? ? it may be because they don?t have the same shared understanding and commitment as you, it may be the timings not right, or it may be just that you (or your project) is just not attractive enough and the board (your partner) never really fancied you anyway!

Whatever the reason, the cause and effect is the same? there is no project or relationship to work on... This is a very sad place to be.

I hope it goes without saying that doing a project without approval is never going to end well, or even start at all; but it amazes me how many projects and specifically SharePoint ones start without ?consent?, without a thought of Return on Investment (ROI) and without a business case and approval. If the organisation doesn?t share your passion, your understanding and commitment to the delivery of this ?value?, then how will you deliver it?

It?s also worth considering at this point ?tradition? ? certainly in the UK we typically ask for permission from our future long term partners ?father? before ?popping the question?; in the SharePoint context however, we shouldn?t just rely on the permission of one stakeholder, for organisational change (and in my opinion?all?SharePoint projects have some change element) or our relationships having the support of senior stakeholders/parent/friends is a significant aid to the process and delivery of long-term value and happiness.

Wedding Planning (SharePoint Project)

So we have approval for our project or to get married to the person of our dreams, we?ve probably set a date for the go-live launch / wedding day, so now what happens?

????????? In SharePoint you create a project team with a project plan

????????? In marriage you may appoint an external wedding planner, or perhaps the ?brides? family will do the organising?

Either way what we have is a project of some kind and a project manager (mother of the bride, wedding planner, bride?s best friend etc.) who is going to run around and control the show for the next few months or even a year in order to make the preparations for the big day and the wedding/launch go smoothly?

This feels in most cases as the time in the relationship or SharePoint project where most emphasis, time and effort are spent.

Are you with me so far?

Does this sound like where we spend most of our time implementing SharePoint?

Great, so what happens next? You spend lots of time and money and have lots of stress and challenges dealing with developers, infrastructure, seating plans, flowers, stakeholders and family all to make the big wedding day or SharePoint solution launch awesome and perfect.

But think about this situation carefully and ask yourself this:

Is the wedding planning really that important?

Special yes; required yes; but critical to the long term success of the relationship?

Absolutely not!

Likewise, is the SharePoint project plan really that important?

Expected yes; required yes; but critical to the long term success and delivery of value through the SharePoint platform?

Absolutely not!

So why on earth do we focus so much time and effort and attribute so many success factors to everything leading up to the big day?

A little crazy perhaps, but let?s face it that?s what ?we do??

The Big Day (Launch)

Launch day arrives, yay the project is completed, the plan has been completed and deemed a success, business users have given the solution the OK (user acceptance testing etc.), maybe there?s been some end-user training, basically everyone is happy and the solution is purring in the background. Job done?

Back in the wedding, the Bride and Groom got to the church OK, no one raised any objections, the speeches went down a storm and the party is in full flow. What a lovely day...

Then what happens?

Over in the Big Corp the branded mugs and mouse-mats have a spelling mistake, a server goes down and some people are complaining that the functionality isn?t what they expected?

Over at the wedding party the best man just had an argument with the bride?s brother, your Aunty has had a far too much sherry and is dancing on the tables and DJ is playing some really bad tracks...

Do any of these problems that may seem huge and devastating at the time really affect the marriage or the value of the SharePoint solution long term? absolutely not!

Happily Ever After (Continuous Improvement)

I?m hoping that the discussion so far has highlighted that despite approaching SharePoint projects in what seems like a logical fashion, we are still not really being as effective as we could be.

The most important aspect of SharePoint projects is not that project plan that we were led to believe, no it?s the?SharePoint Flirting?(Vision and Why?) and the?Long Term SharePoint Relationship?(On-going ?Change Management) that really makes the difference.

So how do we simulate two partners working together to create a wonderful long term relationship in the context of your SharePoint project?

My view is that they are both pretty similar; in the context of ?life? you have the two partners and their support network of friends, relations and colleagues. In the SharePoint context there are still two main parties that need to be involved

????????? The business users

????????? SharePoint Tummelers.

The support network (for the Tummelers) is provided by the SharePoint Centre of Excellence (C of E) or some other business centric, SharePoint aligned team. A close relationship should be developed and exist between users and Tummelers (who are in effect just a special type of user).

The other aspect that is often missing from SharePoint projects is both any consideration as mentioned before for on-going change management and also continuous improvement.

In the context of a relationship we as humans are constantly evolving, our tastes change, we mature our perspectives change and this is exactly the same as ?SharePoint business users?. So solutions (and people in relationships) need to change and adapt regularly. SharePoint solutions are people solutions, they live in the Complex domain of the Cynefin framework and as such they exhibit emergent behaviours.

We have to continually stay focussed, evolve, test, probe and adapt to the emerging needs of our relationships and also the business problem that our SharePoint solution was implemented to try to solve.

Conclusion

Shot-gun weddings for the most part fail.

Relationships without on-going hard work usually go bad.

IT led SharePoint projects with no business alignment or vision pretty much always fail.

SharePoint projects with no active on-going change management ?wither on the vine? and fail to deliver their business outcomes

You need to treat your SharePoint implementations like a marriage or long-term relationship:

????????? It should be seen as a commitment for the long haul

????????? There?s needs to be a shared understanding and commitment

????????? You have to have equal doses of give and take

????????? It?s hard work, but the benefits are significant

????????? Business and SharePoint projects should never stop evolving.

If this post resonates with you and you need help and support in focussing on the right things, the long term benefits then please feel free to?contact me.

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This post and comment(s) reflect the personal perspectives of community members, and not necessarily those of their employers or of AIIM International

Source: http://www.aiim.org/community/blogs/expert/SharePoint-Marriage-Guidance

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