Feng Shui Improvements around from the Water Dragon

On Monday 23rd The month of january we celebrate china Year. Lots of people think china Year happens when your pet signs change but in fact this transformation always happens on the very first day of Spring which this season would be the fourth Feb. Once we change from the entire year from the Metal Rabbit towards the year from the Water Dragon I figured that it might be a great time that i can expect and find out what don?t be surprised to determine happening on the planet this year. From the Feng Shui perspective the movement in one animal sign to a different always provides some good possibilities to realign the powers in your house, so in the following paragraphs I?ll also reveal to you a few of the actions that you could take to make sure that the entire year ahead is really as positive so that as advantageous for you personally because it are able to be.

The entire year from the dragon typically is an extremely auspicious year getting because it does the 4 benefits from the east that are wealth, virtue, harmony and durability. This season on the planet generally don?t be surprised a much better year financially compared to tumultuous occasions appear this year. The worst from the world?s economic crisis appears to become behind us now and several financial systems are once more prone to see the beginning of growth and new optimism, although pricier fortunes to alter overnight. Eastern financial systems will probably grow much more powerful and faster than individuals in the western world. Improvement overall will begin gradually from round the finish of spring 2012 so that as we undertake the entire year confidence will grow and don?t be surprised to determine the beginning of a lengthy but sustained duration of financial growth.

Though financially we?re unlikely to determine dramatic changes, a dragon year frequently signifies momentous change which year won?t be any exception. Water dragon is really a calmer, quieter animal than a number of it?s brothers and sisters so despite the fact that momentous occasions will probably occur expect these to slip individually distinct, or happen very rapidly using the the least fuss. We?re certainly unlikely to determine the conflicts that people saw this year. In stating that, expect some traditional or lengthy serving government authorities to fall this season, and expect individuals that replace these to be brought by new government authorities or structures that place the family and traditional values in the centre of all things they are doing. New government authorities or rulers that begin this season could be in energy for any very long time, the this past year from the water dragon saw the beginning of the reign of Full Elizabeth II that is still going strong six decades later.

Within this year from the water dragon you will see an over-all feeling of optimism as well as an emphasis that anybody is capable of anything. People energy will topple one lengthy standing family ruler inside a country although not in the manner which was observed in 2011. Chances are it will be considered a extremely swift procedure that finishes almost before it starts. We?re also prone to begin to see the formation of the new major charitable organisation or charitable event this season, one with a global achieve and may well begin to alter the world.

So far as natural world is worried this year there?s a higher likelihood, regrettably, that we will have more disasters. I predict that major flooding will affect two major metropolitan areas or nations this season and then around the planet might find ferocious tropical storms which are more powerful than many yet experienced. A significant relief effort will have to start this season which will probably be brought by someone instead of a government. Using the more powerful feeling of optimism within the real estate markets we are able to also anticipate seeing a few of the richest people on the planet have major philanthropic gestures to aid individuals most in need of assistance.

Turning our focus on a person level, the entire year from the water dragon is a great time for you to begin a start up business, start a new relationship, got married or become familiar with a new skill. Companies, alliances and learning will probably succeed and also have lengthy lasting benefits, supplying that careful thought and planning went directly into them. Dragon years could be rocky years for that unwary so don?t try a get wealthy quick plan or got married around the sporadically. This really is certainly annually for steady but very slow accumulation not speculation.

To take full advantage of the possibilities the year from the water dragon will bring, you will find numerous Feng Shui improvements you may make in your house. When improving your house through Feng Shui always make certain that any cure or enhancement you devote place doesn?t adversely modify the existing flow of one?s around your house and it is placed with intention. My webpages on Intention and Chi can help you understand these practices if you?re uncertain.

Feng Shui Improvements for that Year from the Water Dragon

Welcome around from the water dragon by hanging a wooden wind chime within the east or north east of the garden. Other improvements you may make for this section of a garden are to position a picture or perhaps a statue of the dragon in order to plant a fruit tree (cherry, plum or peach would be best)

If you don?t possess a garden you are able to hang an image of the dragon, or place a little dragon ornament within the east or north east area of your house. If you?re putting a dragon ornament it?s best whether it constructed of very, wood, stone or ceramic.

If you?re beginning a brand new business boost the career and understanding areas of your house this season. These areas have been in its northern border and north east of your house. Good improvements to create within the career area include putting a small indoor fountain, hanging an image of the stream or waterfall or putting a small very dragon inside a prominent place. Within the understanding area a stone or ceramic dragon, a little indoor garden or perhaps a square bowl full of carnelian deposits could be advantageous.

If you?re engaged and getting married this season produce a small display inside your relationship area full of plants, candle lights and very dragons. The relationship area may be the the west area of your house. An attractive indoor garden could be produced full of miniature roses, two pink candle lights and 2 small very dragons. Scatter rose quarta movement or amethyst deposits over the the surface of your indoor garden and once you are married place a little photograph of your wedding event within the center. It will not only help your relationship be everlasting but it will likewise function as a lovely indication of the big day for many years.

If you?re beginning a brand new course, learning a brand new skill or taking qualifications this season you are able to help el born area of the existence by putting a ceramic or stone dragon within the understanding area of your house (its northern border east area), or perhaps in your study or even the room in which you learn. Other improvements you may make for this area this season are purchasing a pot plant that is displayed in this region of your house or filling a bowl with deposits and placing this in your desk. Excellent plants to purchase with this area of your house are indoor plants that flower early in the year and also the best deposits to make use of in this region are Eco-friendly Fluorite, Carnelian or Amethyst.

Hopefully you?ve found this short article helpful and therefore are searching toward the entire year from the water dragon with positivity and optimism. All that?s left that i can do would be to wish a happy year and also to hope this year brings all you expect.

Source: http://relationships-enhancement.chailit.com/feng-shui-improvements-around-from-the-water-dragon.html

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Email Marketing Cost Effective Internet Marketing Technique ? Small ...

Email marketing is probably the most powerful and effective way to market and create revenue for an internet business, especially if you use free leads. Email marketing is very popular with online marketers who use it to promote their business making money online.

Internet as well as email providers have implemented powerful spam detectors all the way to your own prospects inboxes. Your potential clients can refer to your email every time they like. Email solutions permit businesses to maintain this contact with innovative and leading edge promotional tools: email marketing as well as mobile marketing.

With double opt-in the actual subscriber opts to see your products or services twice. While Facebook may be used by millions, if your market selects not to use Facebook, putting any money into marketing on Facebook is frivolous. Knowing more about your client base makes you a significantly savvier marketer and in the finish produces the greatest results.

However, if prospects do not have trust or reliable relationship with your business in the beginning, they would not buy of your stuff. Email marketing has proven over and over to be a great method to reach out to new as well as existing clients in order to build or renew your relationship together. Email marketing is a particularly useful tool because the traditional means of marketing do not really apply to bed and breakfasts.

The simple truth is, no matter what we do we will never be able to satisfy and everyone we obtain from our marketing efforts. Unless you have thousands of subscribers, random sample and testing to acquire significant data to determine what your optimal email frequency should be can be difficult. To ignore developing email marketing campaigns as a lead generation strategy will result in missed opportunities to provide product releases, campaigns and newsletters, for instance to subscribers.

This is a more appealing option than spending a large amount for the software package. To create your landing page look more professional, you need to include images, videos, and optimized articles. When the email lands within the inbox of the receiver it is the subject line that will stand out next to the sender?s name.

If you pick up a last minute booking, a quick email great time to your local fan base can fill the actual venue quickly with loyal fans (also known as ?customers?). This will enable you to make money around the back end of your product sales funnel. The first secret to create a powerful squeeze page has an attention-grabbing title with a hint on the possible benefits.

You?ll also need to decide how frequently you need to communicate: daily, weekly, monthly, or quarterly. Lead generation is also very important to understand in this kind of marketing. There is a separate in the marketing industry whether to buy email marketing software or to just rent it.

You can publish articles in article directory sites and place an subscriber form in the authors resource box, you can put 1 on your YouTube videos descriptions, you can even purchase o rent a list from a list dealer, etc. Email marketing is pretty tricky, so don?t allow it to be even more tricky through writ long emails. A short offer to download a whitepaper or sign up for an event, usually works best if the email is short, to the stage and includes links to landing pages with a lot more information.

If you?re adding new connections or removing people who no longer wish to be on your mailing list it can take up quite a great deal of time. Everyone loves free stuff, and this is a good way to create loyalty and show that you aren?t just a mean selling machine. This allows you to create a relationship (hopefully a positive 1) with people that are thinking about seeing what your next move is.

However, where data providers can be very helpful is by augmenting as well as correcting your existing (opt-in) connections to help you improve segmentation. To learn more concerning, email marketing service, please click the link.

Source: http://www.searchenginemarketingsite.com/email-marketing-cost-effective-internet-marketing-technique/

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Africa: Africa and America ? How Does Culture Impact Teaching ...

[New Dawn]

Are you a teacher? Have you taught before? Did you teach in Liberia, Africa or in the United States? If you were from Africa, and then became a teacher in the great United States, you probably have been asked, not once not twice, not thrice, but many times about your philosophy of teaching. Coming from Africa, initially, when I heard people asking others about their teaching philosophy, I would hold my chin in wonderment at the idea of having a sort of well-designed, and highly favorably perfect teaching p

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Source: http://www.africapulse.com/2012/02/28/africa-africa-and-america-how-does-culture-impact-teaching/?utm_source=subscriber&utm_medium=rss&utm_campaign=rss

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Enhance Your Fitness And Build Your Muscles Through Weight ...

Weight lost pills have what kind of effect? ? Gerda H. Rushing

For lots of individuals the idea of building muscle is connected with bodybuilders and models on the front of health and fitness magazines. Resistance training is of course a major element of bodybuilding but there are many benefits for anyone to start building muscle. The type of exercise required can be carried out at your local gym or at home based on what best suits your lifestyle. This is due to the fact that you can accomplish resistance training with machines such as those you?ll find at a gym or by using hand weights as body resistance at home. This article will check out a number of the ways you?ll be able to benefit from a muscle building program. Thorough analysis and detailed comparisons regarding the best weight loss pills. Also enjoy rebate when you Buy Phen375.

The first advantage you will gain once you begin to build muscle is the way you look with regards to your appearance. It is surprising how rapidly you can make apparent changes to your body by concentrating on areas such as your abs, arms and legs. A well toned body is possible for men and women of various ages by figuring out exercise regimes to suit your physique and level of fitness. Truthfully, you?ll have every reason to stay with your program of building muscles as you observe the way your body changes. It is great to know that you would not mind putting on a swimsuit the next time you go to the beach for a holiday vacation. Now you can personal trainer leads online and save money with amazing discount offer.

Integrating strength training with cross training program can provide many benefits as well. In most sports you?ll find that building muscle can be extremely important and you can use it to improve your own performance for any activities you get involved in. For your total fitness, you can include resistance training with cardio workouts so that you follow a balanced training program and won?t become bored. It isn?t a bad plan to schedule a variety of activities into your exercise program and you can use muscle building as one of your options.

Beginning a resistance training exercise program can be extremely beneficial in keeping your body young as you grow older. It is generally believed that older people can?t do as much physically as when they were younger. Up to a point this is true, but working to build muscle strength can help you to be active for a longer time. In reality, there have been scientific studies showing that muscle aging has shown signs of being reversed through weight training as well as increases in bone density. If you want to stay feeling as young as possible, resistance training is certainly something you can consider.

Apart from your body benefiting, when you build muscle you tend to feel better and be more confident on the whole. With well-toned muscles, more and more people will notice you and you will feel more self-assured in yourself because of your physical strength. With all these possible health benefits, it is certainly well worth your time and hard work to integrate muscle building and resistance training into your exercise program.

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We the People: Income tax legislation Clears Finance Committee

The Senate Finance Committee has approved two measures reforming Oklahoma?s income tax laws. Legislation approved by the committee on Tuesday includes Senate Bill 1623, by Sen. Mike Mazzei, R-Tulsa, and Senate Bill 1571, by Sen. Clark Jolley, R-Edmond.

SB 1623 lowers the state income tax over a two-year period and eliminates most special interest tax preferences. Mazzei said the bill is the result of the Legislature?s Task Force on Comprehensive Tax Reform.

?As these measures move through the legislative process, lawmakers will have ample opportunity for careful consideration and deliberation,? Mazzei said. ?Each bill embodies the belief that lowering taxes and enabling Oklahomans to keep more of their hard-earned money while continuing to fund core state functions will result in job creation and greater economic growth for our state.?

Sen. Clark Jolley, Senate Appropriations Chairman, is author of SB 1571, also known as the OCPA/Laffer Plan, to phase out the state income tax.

?The committee vote was a crucial step for all of us who believe eliminating the income tax is the right thing to do for Oklahoma,? Jolley said. ?Tuesday?s committee action means meaningful dialogue and debate can continue as we work to create greater prosperity for our citizens.?

SB1623?SEN. MIKE MAZZEI

? Lowers the personal income tax rate from 5.25% to 4.75% over two years

? Maintains revenue neutrality by eliminating most special interest tax preference items

? Eliminates the personal exemption for single filers making more than $30,000 and joint filers making $50,000 or more

? Reduces the corporate income tax rate from 6% to 5.5%

? Eliminates the franchise tax and allows the business activity tax to expire

? Maintains revenue neutrality by eliminating corporate tax credit items

? Establishes a trigger to lower the income tax rate to 4.5% upon 4% revenue growth.

? FY2013 revenue increase of $3,344,000 (Oklahoma Tax Commission est.)

? FY2014 revenue decrease of $2,668,000 (Oklahoma Tax Commission est.)

? FY2015 revenue decrease of $39,000 (Oklahoma Tax Commission est.)

SB1571?SEN. CLARK JOLLEY

? First year decrease from 5.25% to 2.25%

? Yearly reductions of .25 until income tax eliminated in 2022

? Eliminates all income tax credits, deductions, exemptions and exclusions for individual income tax filers beginning with tax year 2013

? No tax imposed on single filers with taxable income of $8,700 or less and for married filers with taxable income of $15,000 or less

? Addresses dedicated funding for TRS, ROADS, OHLAP and Ad Valorem Reimbursement from all major tax revenues

? FY2013 revenue decrease of $260 million (Oklahoma Tax Commission est.)

? FY2014 revenue decrease of $779 million (Oklahoma Tax Commission est.)

? FY2015 revenue decrease of $1,118 billion (Oklahoma Tax Commission est.)

Both measures now move to the full Senate for further consideration.

Source: http://okgovwatch.blogspot.com/2012/02/income-tax-legislation-clears-finance.html

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Home Inpatient Treatment method Programs regarding Drug Lovers ...

[unable to retrieve full-text content]COMPUTERS AND TECHNOLOGY Only Directory which has Articles Related to COMPUTERS AND TECHNOLOGY · Home · About Us · Privacy Policy · Contact Us. Welcome to article directory. We have 143088 published ...

Source: http://computersandtechnology.us/2012/02/home-inpatient-treatment-method-programs-regarding-drug-lovers/

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The Greatest Free Horoscope 2012 Forecasts Available On-line ...

When it comes to totally free astrology forecasts distinct sites offer diverse services which make them distinct in the community. The specialists that are involved in the astrology research are the individuals who are reliable to offer forecasts on the sites and also send them to the members of the sites.

There are lots of sites on the web which are sources of horoscope du jour and deepening on whether one has their beliefs associated with the forecasts or not they might easily obtain the services from this kind of websites. Most experts in the topic spend lots of hours researching on the distinct horoscope signs and result to sending the results to the individuals through emails telling of what the universe cosmos are forecasting in their life.

The horoscopes 2011 could be employed to forecast many aspects of life some of which may turn out to be true or related and whether or not one chooses to believe in them is entirely in control of the individual. The websites offer one with free astrology predictions based on their signs via their electronic mails from which the individual can access them and get to see what their sign has in store for them.

Although daily horoscopes are the most popular type the horoscope du jour forecasts can also be provided through many time gaps like weekly, monthly and yearly. The organization of the horoscope forecasts is solely the work of the site and that may be quickly completed and sent to the constumer through their registered email account. Since the services are free, it does not need one to make any payments nor put in any kind of financial information such as credit card data.

Some sites which ask for this kind of data ought to be approached with caution for they may be hoax sites which may be soon after stealing an individual?s money.

The greatest horoscope gratuit du mois are availed on different platforms and include various subjects and issues in life. One major issue with most individuals is that the horoscopes are confused to be some form of fortune telling, of which they are not. Horoscopes cannot forecast the future of an individual but the signs are identifications of issues and challenges which might be dealing with people who share the same zodiac sign.

The signs predictions vary from fortune telling in that they target groups of individuals having been born in a given time period. The difficulties that are addressed by the horoscopes from the free astrology sites may include love, career, wealth and money, business, associations with others, moods an even business choices.

With the free astrology sites, however forecasts are sent to a person?s email address it?s probable to also view the astrological forecasts of the other signs. Horoscopes 2011 are predicted via diverse ways depending on the experts, some of whom might be related to various constellations.

The moons is one of the planetary bodies that is normally utilized in predictions of the horoscope signs and this result to the moon sign horoscopes, the sun also results top the sun sign horoscopes and there are also the ascendant horoscopes among many others. The moon sign is considered to be the most correct horoscope sign and most of the free astrology websites rely on the moon signs to generate zodiac forecasts that are afterwards sent to every interested member of the zodiac sign. If one is looking to get forecasts on their horoscope 2011, after that the moon horoscope sign predictions are the safest bet.

Source: http://articlecontentmarketingdirectory.com/the-greatest-free-horoscope-2012-forecasts-available-on-line/

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The Downton Abbey finale: Did it make up for a controversial season? (The Week)

[unable to retrieve full-text content]The Week - The period soap's second season was tarnished by outlandish plots, but all may be forgiven thanks to some intensely gratifying moments in Sunday's finaleDownton Abbey, the British soap opera about the upstairs-downstairs entanglements of masters and servants at an English countryside great house during World War I, has been an unlikely runaway hit for PBS, which airs the period drama as part of its Masterpiece Classic series. But as season two of the show progressed, fans and critics weren't shy in complaining about a perceived downgrade in quality. (Caution: Spoilers lie ahead.) "At various points, it was wildly inconsistent, consistently maddening, melodramatic beyond reason, and seemingly paced by someone who needs three minutes to count to four, and four seconds to count to a million," says Willa Paskin at New York. Still, Sunday's season finale has some critics arguing that Downton Abbey redeemed itself. The show's central couple — the headstrong Lady Mary Grantham and the heir to the Downton estate, Matthew Crawley — finally got engaged after two seasons of frustrating will-they-or-won't-they developments. Did that save the controversial second season?

Source: http://us.rd.yahoo.com/dailynews/rss/oped/*http%3A//news.yahoo.com/s/theweek/20120221/cm_theweek/224626

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Santorum's push on social issues a challenge for Romney (reuters)

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Southern snowstorm leaves icy roads, power outages (AP)

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AP - A day after a winter storm dumped several inches of snow on a handful of southern states, crews worked Monday to restore power to tens of thousands of customers as police responded to dozens of accidents on slippery roads.

Source: http://us.rd.yahoo.com/dailynews/rss/weather/*http%3A//news.yahoo.com/s/ap/20120220/ap_on_re_us/us_winter_weather_south

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Paul supporters try to amass delegates ? and maybe a role at the convention ? in caucus states (Star Tribune)

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Personal Finance: YoBucko talks income for 20-somethings ...

When it comes to handling money, there's no miss of recommendation online, on all from reckoning out a bill to calculating your retirement plan.

But for 20-somethings? Not so much.

And that's a judgment behind YoBucko.com, a new personal financial website directed precisely during those in their 20s. It's a brainchild of Eric Bell, a 28-year-old Washington, D.C., businessman who sees a blank in personal financial superintendence for his generation.

What Bell lacks in years, he's done adult in passion for personal finances. While in college, Bell started money-management workshops during 4 universities in his local Arkansas. After graduating in 2006 ("one of a final organisation of graduates to simply get jobs"), he spent 4 years in a private banking multiplication of Citigroup. Now finishing an MBA module during Georgetown University, he only finished dual years as boss of a Greater Washington, D.C., Jumpstart Coalition, a inhabitant nonprofit that promotes financial preparation in schools.

It all led to November, when he founded YoBucko, that offers recommendation to 20-somethings on budgets, debt, savings, word and more.

This week, he talked by phone about his website and his generation's attitudes on work, holding risks and a recession's durability impact. Here's an excerpt:

For apparent reasons, we like a YoBucko name. Where'd it come from?

I wanted a name that done people laugh. There's so many out there on personal finances though not a lot we can giggle about ... . Real problems come from personal finances. But people aren't receptive to a summary if they can't grin about it.

Why concentration on 20-somethings?

I concentration on 20-year-olds and adult since we am one. we know a hurdles they're confronting ... . When we was in college, we wanted to take classes on income government though zero was available. ... I'm perplexing to get in front of problems and (help prevent) a lot of what we've seen with credit label debt, bad mortgages, etc.

Like many college graduates, you're saddled with $100,000 in tyro loans, a bequest of finishing your Georgetown University MBA. Does that make we some-more - or reduction - convincing with your audience?

From my perspective, it adds to my credibility. I'm in a trenches with people, not vocalization to them from my ivory tower. Some of a many successful people in a personal financial margin are folks who faced genuine financial issues and got by them successfully. ... So rather than censor behind a contribution and fake to be someone I'm not, we cite to share my story plainly so we can pronounce from experience, not theory.

Student loan debt is estimated to strike $1 trillion this year and take decades to repay. What's your recommendation on tyro loans? And how are we rebellious your possess debt?

Tuition and a rising cost of preparation is a rain of a era ... . (Students) should consider prolonged and tough about since they're going behind to school. If you're perplexing to switch careers or supplement to your stream pursuit skills, there can be a payoff. If you're only going since we don't know what we wish to do, it might not be a best investment.

I've already paid off a cube of my loans, a higher-interest rate loans first. I'm looking during my amends options: obscure seductiveness rates, consolidating loans, income-based amends plans.

For your generation, what are a durability lessons of a recession?

There are 3 vital takeaways:

? Bad things occur to good people. The retrogression demonstrated this really clearly and instilled a tiny fear in a generation. Prior to a recession, there was an almighty clarity of confidence about a destiny and a potential. The retrogression (gave) us a wake-up call and helped us comprehend that we need to strengthen ourselves by saving for a stormy day, vital next a means and hedging a bets.

? Don't put all your eggs in one basket. People now see how being too strong in one item - either it's genuine estate, stocks, income or 401(k) skeleton - is a unsure proposition. The judgment of diversification creates some-more clarity to a era now than it did before.

? Be skeptical. While there are a lot of good people in a financial services industry, a few bad apples caused a ton of financial problems globally ... . For a generation, it translates into being doubtful of people and companies that sell financial products and services.

Part of a "wake-up call" is environment aside some savings. How do people do that?

People speak a good diversion about saving. But it's like we know you're not ostensible to eat sausage, biscuits and gravy, though we do until we have a heart attack. ... As a country, we've lived by a tiny heart conflict and are finally listening to a fact that we should be prepared if it happens again. ... Look during your 401(k). Set adult approach deposit. Create a bill so we have a image of your income and where it goes any month. (For minute tips, see concomitant box, "12 Ways to Save More Money in 2012.")

According to a new Pew Research Center investigate of 18-to-34-year-olds, a husky economy forced many to pierce behind in with relatives (24 percent) and postpone matrimony (20 percent) or kids (22 percent). Nearly half pronounced they took a pursuit they didn't like only to compensate a bills. How else did a retrogression change your generation?

It's forced us to quell a expectations. That dream home during age 35 isn't likely. ... In 2006, when we got out of college, I'd go hang out with friends and buy drinks and an costly dinner. Now, I'll prepare during home. And that's not a bad thing ... . With careers, we have to have a backup plan. Our clarity of faithfulness (to a company) is left since many of us got laid off. We've seen people remove their homes. Parents are carrying to acknowledge to their kids their residence is being foreclosed on and they can't compensate for college. Or they don't have a income for retirement. It's a frightful time. We came into a universe where all was supposing to us. Many some-more of us are now cynics.

Why start a business in tough times?

It was a distributed risk. I've substantially schooled 10 times some-more from this knowledge than what I've schooled from my MBA. ... I'm not married; we don't have kids. we can means a risk. ... If it doesn't work out, it won't be since we didn't try. we trust in what I'm doing. We've already helped some people. If we can assistance a lot some-more people, it's even better.

? Copyright The Sacramento Bee. All rights reserved.

---

Have a personal financial question? Call The Bee's Claudia Buck her during (916) 321-1968.

? Read some-more articles by Claudia Buck

Source: http://www.ahipcup.com/personal-finance-yobucko-talks-income-for-20-somethings/

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What would happen to the economy if immigration became legal ...

Question by memememe : What would happen to the economy if immigration became legally ?
Would the economy benefit from it since there would be more legally laborers in the workforce or ~ ~ Would the economy shift negatively since companies would have to pay more money for the lab they were paying so little for once? Best answer:
Answer by

osborne_pkg
What do mean? Immigration is legal.

know better? Leave your own answer in the comments!

Source: http://www.lovefinanceinfo.com/2012/02/what-would-happen-to-the-economy-if-immigration-became-legal/?utm_source=rss&utm_medium=rss&utm_campaign=what-would-happen-to-the-economy-if-immigration-became-legal

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Strategies for Overall health, Health and fitness, in addition to ...

Posted by Lucas on Saturday February 18, 2012

Going for walks is often a properly loved way of physical exercise which helps boost your energy levels in addition to spirits. Staying with the going for walks program week after week can be difficult, though. You?ll need to be careful so that you aren?t getting hurt, that could drastically prevent how you?re progressing. Below are some guidelines to help you remain healthy in addition to enthusiastic while going for walks.cheap jordan sneakers

One of the better approaches to preserve going for walks entertaining in addition to tough is to discover a partner or perhaps group. While there?s nothing completely wrong with jogging on it?s own, developing a partner generally is a fantastic source of inspiration. Having a partner to aid thrust anyone, you?re less likely to give up to soon or perhaps give lower than your easiest. It may also be entertaining to obtain people to speak to, even though you would not like this kind of to turn into a disruption. On the other hand, you may want to preserve your talk for when you might be done and simply target going for walks. One method to preserve jogging fascinating should be to operate which has a partner or perhaps group. jordan sneakers

All right, once you start going for walks, be sure you simply focus on slowly and gradually in addition to boost your tempo at a at ease rate. You dont want to over-stride, in addition to operate which has a sleek and in many cases gait. Your own jogging performance will likely be greatest when it?s possible to retain good posture in addition you?re while calm as you possibly can. If you?re going for walks and so are form of not used to this, you need to keep your tempo a maximum of what you can do to speak when you trot. You?ll be able to trot at a at ease tempo that may elevate your heartrate, make excellent advantages, and you could lower the possibility of running into overuse kinds of incidents. People normally often improve your performance when they are just beginning the going for walks session, so use caution about this and make your tempo slower, and your operate will improve. For that finish of one?s each day trot, while you might be getting close to your ?finish line? be sure you perform calm slow-down of one?s tempo ahead of okay typical jogging.

Try and do your current going for walks at the outset of your day, even when you will go any time. You?ll not become having to worry concerning picking out the time period intended for going for walks when you can proceed initial thing each and every morning. This will additionally start off your day away from on an energetic in addition to profitable take note. Another advantage for you to going for walks initial thing would it be will get your current metabolism opting for the day. Along with, normally, the air quality is best each and every morning. You may start noticing you have far more strength during the day in case you start out having a morning trot.
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You can get a great deal outside of going for walks, notably if you practice it no less than many times a week. Stretching, donning the appropriate footwear, but not overdoing this usually are thing to remember any time going for walks. In case you take note of the earlier mentioned going for walks rules, it is possible to maintain your current going for walks program throughout the year, and you?ll find your self receiving more healthy all the time.ersus

Source: http://www.healthadvisorsmn.com/strategies-for-overall-health-health-and-fitness-in-addition-to-weight-reduction-using-going-for-walks/

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Stars Pay Their Respects to Whitney Houston (omg!)

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Source: http://us.rd.yahoo.com/dailynews/rss/entertainment/*http%3A//us.rd.yahoo.com/dailynews/external/omg_rss/rss_omg_en/news_stars_pay_respects_whitney_houston171800730/44578871/*http%3A//omg.yahoo.com/news/stars-pay-respects-whitney-houston-171800730.html

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Are you working 11 hours a day? How depressing!

Researchers in Finland studied more than 2,000 white-collar workers over five years. The results were depressing. WBBH's Nick Ciletti reports.

By msnbc.com staff report

People who worked more than 11 hours a day are more were more than twice as likely to be depressed than their co-workers who put in an 8-hour day.

"There has to be different outlets of enjoyment in a person's life," said Mabel Lopez, a clinical psychologist.

It's a three-day weekend for many Americans. Get out there and unwind.

{"contentId":"10435918","totalVotes":"1993"}

Are you working more than 11 hours a day?

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Source: http://lifeinc.today.msnbc.msn.com/_news/2012/02/17/10435918-are-you-working-11-hours-a-day-how-depressing

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How Parkour Promotes Better Health and Fitness - Charlotte Parkour

[This is the first in a series of semi-regular blogs to provide general info about health, fitness, and training parkour.? I promise the rest won't be as lengthy?]

On first impression from parkour in the popular media you might perceive it as something only for the?super fit,?thrill seekers, or?dumb. ?But would you imagine it being used as a?positive?physical outlet for energy in youth or?get people past their middle ages back in shape? ?Well, it is (and very succesfully)! ?As it's truly trained, parkour offers almost anyone a robust means for positive self-improvement. ?"But how is this?" you might ask. ?Well, there are a couple of reasons?

There are incredible physical benefits.? Fitness has been?defined by Jim Cawley of Dynamax, Inc.?as the combination of strength, speed, power, coordination, agility, accuracy, balance, flexibility, cardio/respiratory endurance, and stamina. ?It doesn't take much imagination to see how parkour trains this skill set comprehensively. ?Climb-ups for strength, jumping for power, precise foot control and hand placement for coordination, combining all of these things for excellent cardio and stamina training, etc. ?Need we say more?

It helps improve mental health. The benefits to?mental health?extend beyond the general?benefits from exercise.? The process of training parkour involves breaking down desired movements into parts, training those parts, and then combining them with fluidity and control.? Through this process you learn to clear your mind of the jumble of everyday thoughts and focus on your body and its surroundings.? This meditative process reduces stress alongside garnering problem solving skills. ?Applying these benefits, Britain's largest parkour coaching body Parkour Generations took to the city of Westminster teaching parkour to underprivileged youth.? Afterwards, adolescent crime rates in the area dropped by a significant factor of 30%. ?Similar activities in the U.S. are being pursued by nonprofit?Parkour Visions in Seattle, WA.

Anyone can do it!? People with missing limbs still train parkour.? Very little of actual parkour training involves doing big tricks and flips like you see in popular media.? Most parkour movement stems from a few basic moves that aren't difficult to learn, training them effectively rarely necessitates going above head height.? This enables everyone from?kids,?teenagers,?the middle aged, women, and the elderly?to practice it.? As well, you can train parkour almost anywhere, with no need of special equipment.? Don't have urban obstacles?? Try some rocks or trees instead.? Soon after you've started training, your world will change as your mind opens and former obstacles become a playground.

It's fun!? Fitness is not promoted well in today's society. ?Most people's image of exercise is reps of dul, arduous movements in a boxed up gym. ?Many people are caught up trying to lose weight or look good and aren't actually focused on being healthy and actually 'feeling' good.? Experts agree that the?best workout is simply a workout you will do and enjoy. ?Nothing will keep you on a fitness "regimen" better than looking forward to it. ?Parkour presents this opportunity, and an inspiration to strive for better health and fitness to aid your training.? It's shown that a mere 30 minutes of exercise each day is the?single greatest thing you can do for your health, why not?play and have fun while you're at it?

It's very useful.? One of the prime?principles of parkour is to train your body to move through its environment as quickly and efficiently as possible. ?This ability can be extremely useful in emergency situations where you need to flee an assailant or rush to someone's aid. ?Training these movements will help avoid injury in these situations as well. ?No wonder one motto of parkour's philosophy is coined from Georges H?bert, "?tre fort pour ?tre utile" (Be Strong to Be Useful).

It's one of the least dangerous activities available.? This might be hard to believe, so we'll start with some concrete data.? For their first 7000 class hours (class time x students), Parkour Visions had an incidence of approximately?1.3 injuries per thousand hours. ?Compare this to practice injury rates such as 7.5/1000 hrs. for soccer and 16/1000 hrs. for American Football and you'll see parkour can actually be SAFER than most popular team sports. ?Other parkour gyms in the US?have had similar results.

Why is it safe?? As already mentioned, parkour is trained as a discipline and is not an 'extreme sport.'? There is a strong emphasis on preparatory physical strength and conditioning.? When training skills, participants start small and progressively increase difficulty only as they are safely capable.? Training is very non-competitive and attempting things beyond one's capability is heavily discouraged.? Another motto from parkour's philosophy is "?tre et durer" meaning "to be and to last."? Anything that risks over-stress or injury cannot 'last' and doesn't serve a utility.? As well as its philosophies of safety and efficiency, parkour lacks some team sports injury risk-factors such as player-player contact in American Football and stress on the ankle from sudden turns and stops such in Basketball and Soccer.? When training parkour there is just yourself; no one will force you to attempt anything. ?If you train smart, you have full control over your own safety.

Interested in trying it?? If you've read all the way to here you deserve an award (too bad we don't have any :/)! ?Head on over to our How Do I Learn? for some concise info on how to properly get started, and also head over to the events page for info on where, when, and who of training in Charlotte :).

Still don't think parkour is for you?? We still recommend at least giving it a try before giving up pre-emptively?;).? But if you're stubborn, or you have tried and you're not convinced, I recommend heading over to?Nerd Fitness for more resources on ways to stay fit and be healthy.

Thanks for reading! ?Safe training.

[Photos in this article via Fifth-Ape,?Parkour Generations,?Parkour Visions, and Allison Czipo]

Source: http://charlotteparkour.com/how-parkour-is-good-for-your-health-and-anyon

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The Basics Of Dealing With Hair Loss | New Health and Fitness

New Health And Fitness.Org - Health Information You Can Use

Whether you are noticing a few loose hairs in your sink or have just discovered a bald spot, the prospect of hair loss can be very alarming. The information and tips contained in this article should help to shed some light on the causes, treatment, and solutions for hair loss.

A healthy diet is not only good for your body, but it is also good for your hair. Eating healthy foods ensures that your hair gets all of the vitamins and minerals that it needs. Often the body to shows poor health through the hair follicles and fingernails before it is shown in other parts of the body.

To fight genetic male pattern baldness, take supplements. Male pattern baldness is thought by some to be caused by an interaction of testosterone and the natural oil in your hair ? basically, the interaction can reduce blood flow to your scalp. That decreases hair growth and keeps hair from being replaced as fast as it sheds. Supplements like zinc, saw palmetto, gingko biloba and pro-vitamin B5 are thought to prevent this kind of damage.

It is vital to instill quality nutrients into your diet on a daily basis. With each of your meals during the day, make sure that you get a healthy dose of vegetables. Vegetables such as carrots will give your hair the minerals it needs to function properly and maintain strength.

Take care of your health. If you are sick or have been diagnosed with an illness, make sure you take the medications prescribed to you by your doctor. If you fail to take necessary medications this can cause your body to work harder and can lead to hair loss over time.

One thing many people don?t consider is that hair products like gels, waxes, mousse, and the like can lead to hair loss if they aren?t washed out before going to bed. Sleeping with products like these in can let them invade your scalp and clog your pores, leading to early baldness.

Avoid hair dryers and flat irons if you want to prevent hair loss. The heat from these products can dry out your hair and make it fall out. If you have to use them, be sure that you have them both on a low setting.

Eat a healthy diet. Excessive weight can cause hair loss so you should be sure to keep a steady diet. Your diet also plays a role in your hair loss because a poor diet without proper nutrients can cause you to lose hair. A diet that is low in carbs is best.

Don?t rub your hair. When you dry your hair you should be sure you don?t do it too hard. Rubbing your hair too hard can make it come out easier. You should also avoid using a blow dryer. If you do use one, make sure you use it on low heat.

There are various supplements that you can take to maintain the quality of your hair. Vitamin C is a great supplement that will restore collagen to your hair and provide you with energy during the course of the day. Take one vitamin C pill to start your day off right in your fight against hair loss.

Try medication. Hair loss medicines can slow hair thinning, as well as grow new hair and enlarge existing hairs. The medicines need to be taken continuously. If stopped, any new hair will be gradually lost, and in about six to twelve months your scalp will probably look about the same as before.

If you are tired of feeling down because of hair loss, but aren?t quite sure where to start looking for treatments, or even how to search, these tips can provide great advice. You can begin your way to feeling great about yourself once again, not having to worry about balding.

To be informed on pertinent tutorials about Permanent hair removal cost and even on Laser hair removal school, read this awesome site.

Source: http://newhealthandfitness.org/2012/02/15/the-basics-of-dealing-with-hair-loss/

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Curb the car dashboard technology, government asks (AP)

[unable to retrieve full-text content]AP - Auto dashboards are becoming an arcade of text messages, GPS images, phone calls and web surfing, the government says, and it's asking carmakers to curb those distractions when vehicles are moving.

Source: http://us.rd.yahoo.com/dailynews/rss/internet/*http%3A//news.yahoo.com/s/ap/20120216/ap_on_go_ca_st_pe/us_distracted_driving

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To understand chromosome reshuffling, look to the genome's 3-D structure

ScienceDaily (Feb. 16, 2012) ? That our chromosomes can break and reshuffle pieces of themselves is nothing new; scientists have recognized this for decades, especially in cancer cells. The rules for where chromosomes are likely to break and how the broken pieces come together are only just now starting to come into view. Researchers at Children's Hospital Boston and the Immune Disease Institute (IDI) have helped bring those rules into clearer focus by discovering that where each of the genome's thousands of genes lie within the cell's nucleus -- essentially, the genome's three-dimensional organization -- holds great influence over where broken chromosome ends rejoin. This knowledge could shed light on fundamental processes related to cancer and normal cellular functions -- for example, in immunity.

The study team, led by Frederick Alt, PhD, director of the Program in Cellular and Molecular Medicine at Children's Hospital Boston and the IDI; and Job Dekker, PhD, co-director of the Program in Systems Biology at the University of Massachusetts Medical School, reported their results online on February 16 in the journal Cell.

In cancer cells, the process of chromosome rearrangement, or translocation -- marked by stretches of DNA physically breaking and swapping -- often results in the creation of new cancer-promoting "fusion" genes. Similarly, when a na?ve B cell starts to produce antibodies for the first time, it establishes its choice of target by breaking and recombining genes for antibody diversity.

"While chromosomal breaks and translocations are fundamental to many cancers, historically we've had no approaches to systematically study how they are generated," said Alt, who is also a Howard Hughes Medical Institute investigator and the Charles A. Janeway Professor of Pediatrics and Professor of Genetics at Harvard Medical School. "About five years ago, our group set out to generate a high-throughput approach to address this important problem in cancer biology."

To accomplish this goal, the Alt lab developed high-throughput genome-wide translocation sequencing (HTGTS, which maps "hot spots" in the genome where chromosome breaks and translocations are more likely to occur) and at a level of resolution not previously thought possible. In early HTGTS studies, they found that broken chromosomes often rearrange within themselves, as opposed to sharing pieces across different chromosomes.

To probe these findings more deeply, his laboratory joined forces with Dekker's to combine HTGTS with a method called Hi-C. Developed by Dekker's group, Hi-C measures how all the sequences in the genome are organized relative to one another in three dimensions.

The combined data revealed several related but distinct principles of how genomic organization governs chromosome rearrangements. The first is based on the slight differences in how each cell organizes its genome compared to its neighbors (referred to as cellular spatial heterogeneity of genome organization). While the genome is organized in an average fashion that is largely common across all cells of a population, each individual cell harbors small deviations from that average. This latter property allows many genes to be physically close to each other in just a small subset of cells, even if they are not close to each other in the majority of cells.

The second principle involves proximity. If two broken chromosome strands lie in close proximity within the three-dimensional space of a given cell's nucleus, they are more likely to connect. This finding is of particular importance for translocations involving DNA sequences that do not break frequently, such those involved in translocations found in various non-lymphoid tumors.

The third principle applies the first two to DNA sequences that do break frequently (such as those that drive antibody gene rearrangements during B cell development). Such sequences tend to reshuffle with the same partner sequences in those subsets of cells where the partners lie physically close together, even if the partners do not within most cells. This can fuel recurrent translocations like those seen in many lymphoid tumors.

Together, the principles highlight the relationship between proximity, genomic organization, and break frequency. "Two sequences have to be broken and physically proximal to join," Alt explains. "If two sequences are together in most cells and frequently broken, they will translocate in many cells. If they are frequently together but one of them doesn't break, or if they both break frequently but always lie on opposite sides of the nucleus, the chances that they will translocate are very low or zero. However, if both sequences break very frequently and are close together in a subset of cells, they will very frequently translocate in that subset, contributing to recurrent translocations."

"Our finding that broken chromosome segments are more likely to join with other segments within the same chromosome, rather than other, more physically distant segments from other chromosomes, likely has great relevance to cancer genomes," Alt continued. "For example, cancer treatments that cause breaks may preferentially lead to intra-chromosomal rearrangements. It may also have relevance for 'chromothripsis,' a recently discovered phenomenon in many cancers in which the sequences of one chromosome become scrambled."

The new understanding of the roles of physical spatial proximity and overall three-dimensional genome structure in chromosomal translocations opens up new avenues for deciphering how the way a cell's nucleus is organized affects the genomic disarray found in cancer and other diseases characterized by chromosome reshuffling. The study also shows the power of combining two high-throughput genomic assays -- Hi-C and HGTGS -- for studying how the organizational plan within the nucleus influences fundamental biological processes.

"We feel that our findings and the application of our approaches will provide a new lens through which to view the genomes of many different types of cancer," Alt concluded.

This study was supported by the National Cancer Institute, the National Human Genome Research Institute, the Howard Hughes Medical Institute, the Leukemia and Lymphoma Society, the W.M. Keck Foundation, the Cancer Research Institute, and the German National Merit Foundation.

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Story Source:

The above story is reprinted from materials provided by Children's Hospital Boston.

Note: Materials may be edited for content and length. For further information, please contact the source cited above.

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Journal Reference:

1. Yu Zhang, Rachel?Patton McCord, Yu-Jui Ho, Bryan?R. Lajoie, Dominic?G. Hildebrand, Aline?C. Simon, Michael?S. Becker, Frederick?W. Alt, Job Dekker. Spatial Organization of the Mouse Genome and Its Role in Recurrent Chromosomal Translocations. Cell, 2012; DOI: 10.1016/j.cell.2012.02.002

Note: If no author is given, the source is cited instead.

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/2012/02/120216134336.htm

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Del Phillips: Take a Chance on the Unemployed

The results of a United Technologies/National Journal Congressional Connection poll were just released and they are surprising to read. Americans appear to have mixed thoughts about helping their fellow Americans. For a country that prides itself on its generosity, this survey may indicate how secretly selfish we may be. If a discussion is to continue about the future of a social safety net, there must also be a discussion about what to do with those utilizing that safety net. It's time to talk about hiring the unemployed.

Let's face it: hiring any new employee is always risky. A candidate can tell you anything she wants as to why she is leaving her current organization (no room for growth, seeking more challenging work, etc.) in an effort to shed the best light on herself. That's obvious. Yet, for all you know, her boss was on the verge of firing her for a consistent lack of productivity. Although your organization tries to establish a process to mitigate hiring risks, it's never a perfect formula and your process may likely never uncover that she was a poor performer, but you'll hire her anyway because of her eager attitude and impressive titles.

If the circular file is not an official part of the selection process for unemployed resumes, being unemployed surely holds a negative bias in our collective brains. It is often equated to being lazy, lacking drive or having a preference to 'mooch' off the system. These are just a few characterizations and judging by the reaction of the audience at Republican debates in response to jabs by the candidates at the unemployed, many Americans agree with them.

It's time to throw out the stereotypes!

Today's "unemployed generation" is NOT lazy. It's frustrating to hear those who talk about a friend of a friend who once "loved being unemployed for 8 months." I don't love it and reading stories like these leads me to believe there are millions of others who don't either. I, like the millions of others, have gone from a credit score in the 800s to complete ruin through bankruptcy and foreclosure. We have applied to the online ads, attended the networking events, used social media and crafted multiple iterations of our resume based on each new blogger's opinion. There are even those of us attempting to gain additional skills. We're eager and ready to get back to work.

I can attest first-hand to the determination of the unemployed as a participant in the Chicago Career Tech program -- a retraining program that includes both classroom training and hands-on learning experience, initiated by former Mayor Richard M. Daley and supported by the business and non-profit communities of Chicago. My colleagues in this program are just like me and we all hang our hopes to this program to give us the valuable skills needed to meet the demand of today's workforce.

At first we were encouraged by the words of Shelley Stern, Citizenship Director for the Microsoft Corporation and Chair of the CCT Board of Directors, who recounted how CCT was born out of a realization by the business community that many jobs, including at Microsoft, were going unfilled over the past few years, despite high unemployment. This was not due to a lack of labor, clearly, but rather a lack of necessary skills on the part of that unemployed labor. This program seeks to supplement the already valuable skills possessed by the unemployed for high-demand industries.

Despite the efforts of CCT and our new skills obtained, we continue to find it difficult to land a position. The rejection continues for a lot of previous participants and despair is setting in. We ARE trying and we ARE being interviewed, but we continue to be told that we do not have enough or the "right" experience.

Instead of a discussion about removing or reducing the social safety net, thereby creating a deeper problem, let's talk about how we all can help Americans get back to work.

Here are my challenges: First, I challenge the president and Congress to re-enact the tax cuts to businesses for hiring the unemployed. Although we are no longer in an official recession, there are millions of Americans who have been unemployed longer than 8 months. That's an awfully long time to go without work when there are bills to pay and mouths to feed. This may help alleviate long-term joblessness. If it doesn't, businesses can no longer complain that they pay too much in taxes, if they pay them at all.

Next, I challenge the Republican nominees to do more than talk. They are out there each day shaking hands with the unemployed. Has one of them offered to put them in contact with their influential friends who are likely to be hiring managers with open positions? If they want us to vote for them and believe they are the one to get the country back to work, start showing us you have experience doing it.

Third, I challenge business owners, HR managers, hiring managers and decision-makers to re-think the old notion that someone who has been unemployed is lazy or unproductive. Take the risk; you may be pleasantly surprised with the results!

Finally, I challenge all Americans to help their fellow unemployed American. Patriotism isn't just putting up a flag on holidays and singing the National Anthem at sporting events. Patriotism is also supporting your fellow citizen. FDR wrote: "In our personal ambitions we are individualists. But in our seeking for economic and political progress as a nation, we all go up or else all go down as one people. "

President George W. Bush was criticized for not asking Americans to participate in the "war effort." So here's how you can participate in the "unemployment effort": Check your company's website to find out what positions are available. Post them to Facebook or Twitter (use #jobs, for example). Forward replies to your HR department. This is just one of many examples easily implemented and that helps move us all forward together.

Help a person, help a family, help the country, gamble on the unemployed!

Cross-posted from Reframe Shame.

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Source: http://www.huffingtonpost.com/del-phillips/take-a-chance-on-the-unem_b_1278901.html

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Georgia to Be Home to First Nuclear Reactors Since Three Mile Island (ContributorNetwork)

On Thursday, the Nuclear Regulatory Commission granted its first approved licenses for new nuclear reactors built on American soil since before the Three Mile Island incident in 1979. The news brings with it the first manifestation of the so-called renaissance of nuclear power in the United States predicted back in 2007.

The two approved reactors are set to be built as an expansion to the existing two-reactor Alvin W. Vogtle Nuclear Power Plant in Georgia, located near Waynesboro and approximately 26 miles southeast of Augusta. The Vogtle plant offers a lengthy list of safety reassurances on its online fact sheet, citing its ability to withstand earthquakes between magnitude 6 and 7, flying debris up to 360 mph, and its suspected immunity to flooding with the reactors located 220 feet above sea level and the Savannah River basin draining off any potential excess nearby.

Although four commissioners from the NRC eagerly voted to grant the licenses, chairman Gregory Jazcko held back his support. According to a report from World Nuclear News, Jazcko wanted to enforce a condition on the licenses that would require plant owner Southern Company to exercise any new NRC recommendations that may develop as a response to the Fukushima Daiichi plant disaster in Japan during the earthquake in 2011. He further stated that he "could not support issuing this license as if Fukushima had not happened."

While Jazcko's condition was not agreed upon by the other commissioners, the incident in Japan is not forgotten. In the same article from WNN, commissioner Kristine Svinicki insisted that Jazcko's proposed condition would not "make any difference to the safety of operating or planned reactors." This same sentiment was expressed in another article from MarketWatch where Thomas Fanning, Southern Company's chairman and chief executive, said, "The events of Fukushima are being taken into account. It's a continuous learning process."

Despite these reassurances, several environmental and anti-nuclear groups are preparing to file a lawsuit in the U.S. Court of Appeals for the District of Columbia Circuit. MarketWatch reports that these groups, which include organizations such as Nuclear Watch South and Friends of the Earth, issued a joint statement proclaiming "that the NRC is violating federal law by issuing the license without considering the important lessons of the catastrophic Fukushima accident in Japan regarding ways the Vogtle operation should be modified to protect public safety and the environment."

Current plans are to have the Unit 3 reactor in operation by 2016 and Unit 4 coming online in 2017.

Source: http://us.rd.yahoo.com/dailynews/rss/science/*http%3A//news.yahoo.com/s/ac/20120213/tc_ac/10947266_georgia_to_be_home_to_first_nuclear_reactors_since_three_mile_island

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Save Money and Time Using Financial Web Tools | Smart Moves to ...

Posted by Laura Adams on Feb 11, 2012 in Banking, Blog, Credit Cards, Insurance, Investing, Money Management, Recordkeeping, Retirement, Save Money, Taxes | 0 comments

Do you wish you could accomplish more with your money?

People often ask me what financial tools I really use to?earn more, save more, and accomplish more in my life and business.

So here they are?20+?of my favorite web tools, resources, software, and services that allow me to be productive on the go and keep my finances super organized:

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Banking

#1 ?CheckingFinder: This site allows you to compare and open free, high-interest checking and savings accounts from community banks nationwide. Each institution is FDIC-insured, requires no minimum balance, refunds ATM fees nationwide, has free online bill pay, and pays exceptionally high interest rates. I found my online checking account using this amazing database years ago. The offers you?ll receive depend on where you live in the U.S.

#2 ?CarouselChecks: I rarely write a check these days. However, I do like to keep a few on hand if I need to pay someone quickly and they don?t take payment cards. Carousel is great because you can order as little as one half box of checks starting at $3.99. They?re quality checks 80% off bank prices and are delivered quickly.

Credit Cards

#3?Discover? More Card: Discover offers a wide range of rewards cards and?balance transfer cards?to help you save money based on the types of purchases you make the most.?I?ve had my Discover card since 1992 and won $1,000 in the mid-90s in one of their cash give-away promotions. I actually threw the award notice away because I didn?t believe it! When the 2nd award notice came in the mail, they got my attention and I hurried down to the post office to get my prize!

#4 ?Upromise: This is a clever way to save for college for yourself, a family member, or a friend by racking up cash rewards for purchases you?re already making. You can sign up for a Upromise credit card to get extra rewards?or just link your free Upromise account to existing credit and debit cards. Every time you make a qualifying purchase at thousands of local or online merchants (like grocery stores, gas stations, restaurants, and clothing stores) you get cash in your Upromise account. I created a quick video tutorial with more info: ?How to Use Upromise to Pay for College VIDEO?

Bookkeeping, Budgeting & Planning

#5 ?QuickBooks: I started using Quicken when I was in my mid-20s and then switched to QuickBooks so I could have more functionality for my businesses. Intuit products are the industry standard and they make bookkeeping easier than you could imagine. It aggregates all your financial accounts into a dashboard and keeps track of every transaction. My tax information is so organized that all I have to do for my personal and business taxes is run a few reports. I use the desktop software version, but now you can get QuickBooks Online.

#6 ?Mint: This is a free financial service owned by Intuit that?automatically pulls in all your?accounts (checking, savings, credit?cards) and categorizes every?transaction, so you can see where?your money goes. This is a great free alternative to paid financial software that makes it easy to budget. There are apps that make it easy to keep track of your financial accounts on any mobile device.

#7 ?Online Bill Pay: If your banking institution offers online banking, you probably also get free online bill pay. Once you start paying bills online you?ll wonder how you lived without it. You can pay any company or person with the click of the button. The back-end processing service wires your payment or mails a paper check (no charge to you) by the due date you enter. You save money on checks, envelopes, and stamps?not to mention countless hours! Also create alerts to be sent to your email, cell phone, or both so you never miss a payment due date.

#8 ?Budget and Financial Planners: These planners make it simple to do a variety of financial tasks like tracking a Budget, calculating your Net Worth, estimating your Investments, Planning for Retirement, estimating Taxes, and making Business Plans. My financial coaching clients love them!

Investing

#9 ?Betterment: This is a radically simple online brokerage where you can invest money in a regular taxable account or in a traditional or Roth IRA. When you set up your account you decide how you want your money invested: conservatively (mostly bond funds), aggressively (mostly stock funds), or somewhere in between (a combination of stock and bond funds). Betterment allows you to set up recurring transfers and automatically rebalances your portfolio so you stay on track. I have accounts with Betterment and have set my family up with ?them too, because it makes investing so intuitive and easy. They offer a free app for your iPhone and iPad.

#10 ?E*TRADE: This is a traditional online brokerage where you can invest money in a regular taxable account or in a traditional or Roth IRA. There are thousands of investments to choose from such as stocks, bonds, mutual funds, and exchange-traded funds (ETFs). I have an account with E*TRADE for when I want to research and purchase a specific investment. You can get free apps for any mobile device.

Taxes & Legal

#11 ?TurboTax?: This is another great product from Intuit that makes it easy to e-file your taxes. You answer a series of interview questions and the program takes you step-by-step through the process and searches for tax deductions and credits you?re qualified for. I use a local CPA to file my personal and business taxes each year. ?However, if your situation is fairly simple (you don?t own rental property or a business), TurboTax? Online Federal Free Edition?is a simple way to get your taxes done quickly and accurately each year.

#12 ?Legal Zoom: This is a one-stop shop for hundreds of different kinds of legal forms for your personal or business use, such as a Will, Power of Attorney, Bill of Sale, Promissory Note, Lease, and much more. The templates are created by attorneys and are extremely affordable. I?ve downloaded several of them for my personal and business use.

Credit

#13?AnnualCreditReport.com: This is the official free credit report site. You can get your full credit report from each of the 3 nationwide credit reporting agencies every 12 months. However, your credit report does not include your credit score. I pull my credit file from each agency (Equifax, Experian, and TransUnion) every 4 months. That allows me to see my credit report for free as often as possible and nip any fraudulent activity in the bud.

#14 ?Credit Karma: Credit scores typically cost about $15. But they?re 100% free (with no strings attached) at Credit Karma! I like to check up on my credit score once a month to make sure no one has stolen my identity?so this site saves me almost $200 per year.

Productivity & Savings Tools

#15 ?RoboForm: I can?t imagine being online without this fantastic password manager. It keeps all your user names, passwords in one place so you can login to all your favorite sites quickly and securely. There are versions for your?desktop and mobile devices that have?gone through multiple security reviews and are used by the U.S. government. Try out the free trial?you won?t want to give it up.

#16 ?eFax: This service allows you to send a fax anywhere you have an Internet connection and save the cost of a fax machine and fax phone line. I don?t have any land lines at home, so eFax lets me send and receive faxes on my computer.

#17 ?Skype: This free Voice Over IP (VOIP) service allows you to talk, video chat, or instant message with other Skype users using an Internet connection. You can call land lines and cell phones for incredibly low per-minute rates. Install the app on your mobile phone and save serious cell minutes!

#18 ?Dropbox: This is a free service that lets you store your files (documents, photos, audios, and videos) in the cloud and share them with other people. This is great when you want to send any type of file that?s too big to email. Dropbox has free mobile apps and syncs up between all your devices. It?s used in combination with other apps I use like the next tool.

#19 ?QuickOffice Pro: This powerful app for your iPad allows you to create, edit, and share Microsoft? Office?documents, spreadsheets, and presentations. You can create a document on your laptop, send it to your Dropbox account, then open it up on your iPad to work on the go. If I create a spreadsheet on my iPad, I can transfer it back to my computer using Dropbox. I can work anywhere, online or offline.

#19 Restaurant.com: I?m a terrible cook, so I love eating out! This site offers huge discounts on my favorite local restaurants. Just enter your zip code and you?ll be amazed at the savings. It?s a great way to try out new restaurants without spending more than you want.

#20 Dinkytown.com: This site is loaded with online calculators that help you crunch the numbers on just about any personal finance issue. You?ll find calculators for mortgages, retirement, insurance, taxes, credit cards, debt, investments, autos, and more.

Bonus! ?Amazon?s Subscribe and Save: This savings program gives you 5% to 15% off Amazon?s lowest prices, plus free shipping on select groceries, beauty products, household supplies, food items, and more. I use this program to save money on over 15 different products including paper products, garbage bags, soaps, coffee, and drink mixes. I dread grocery shopping, so having Subscribe and Save products delivered straight to my front door is the best!

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Source: http://lauradadams.com/save-money-and-time-using-financial-web-tools/

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