Sunday, September 30, 2012

Privatization - Mexico - Pemex's hedge effective in short term, medium term unstable

Mexican national oil company Pemex's decision to hedge its oil revenues over the next year could help in the short term but the stability of public fi...


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Source: http://member.bnamericas.com/news/privatization/pemexs-hedge-effective-in-short-term-medium-term-unstable

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Mazda MX-5 GT Concept, 2012 - Automotives Review, Luxury Car ...


  • ?Mazda MX-5 GT Concept, 2012

The Mazda MX-5 GT Concept has been inspired by Mazda's podium winning MX-5 GT race programme and its debut at Goodwood is to test customer reaction to a high performance version of the iconic sportscar. Built by race specialists Jota Sport, the Mazda MX-5 GT Concept produces 205bhp from a normally aspirated 2.0-litre Mazda petrol engine which is mated to the car's standard manual gearbox. Suspension has been uprated to improve handling and is adjustable for different track conditions, aerodynamic assistance comes from a carbon front splitter, a rear diffuser and boot spoiler. The exhaust note has been enhanced with a sports exhaust system with a central tailpipe. Recaro seats enhance the driver stability and the interior features a number of carbon enhancements that help reduce weight. For customers who want to acquire the car for track use, it comes equipped with road slicks and body-coloured roll hoops behind the seats.

Joining the Mazda MX-5 GT Concept on the stand was the Mazda Takeri sedan concept, a close indication of the design direction of the future Mazda6, along with the recently launched all-new Mazda CX-5 compact SUV, the first car to adopt Mazda's revolutionary SKYACTIV technology which improves fuel economy and reduces CO2 emissions without compromising driving enjoyment.

Mazda has entered the World's fastest and most powerful MX-5 in the Goodwood hillclimb. Sponsored by SMH Fleet Solutions, Jota Aviation, Total Lubricants and Mazda Financial Services, the Jota Sport Mazda MX-5 GT4 is currently contesting the 2012 British GT Championship and took third in class at Brands Hatch this weekend. Competing against Lotus, Aston Martin, Ginetta and Ferrari racecars, the MX-5 GT boasts a top speed of 160mph and a 0-60 time of just three seconds, making this a very special MX-5.

Drivers for the Goodwood Festival of Speed are regular Mazda racers Mark Ticehurst and Owen Mildenhall and kart racer Jade Paveley, who at just 19 years-old, is one of the youngest drivers at the festival.

Source: http://automotivesreview.blogspot.com/2012/09/mazda-mx-5-gt-concept-2012.html

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NFL Week 7 Monday Night Football Lions @ Bears

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Source: http://www.sportsviews.com/bet/19788/NFL_Week_7__Monday_Night_Football__Lions___Bears

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Saturday, September 29, 2012

YouTube Related Music Is a Slick, Endless YouTube Player [YouTube]

YouTube Related Music Is a Slick, Endless YouTube PlayerThere's no shortage of YouTube playlist generators out there, but most of them are a bit funky to use. YouTube Related Music is simple and looks great.

To use YouTube Related Music, you simply need to type in the name of a song, select the video you want, and the webapp generates a playlist. You can get rid of the next upcoming song, but you can't reorder the rest of the playlist. YouTube Related Music uses the same related API that YouTube itself uses, so its results are best suited for more popular music. Still, as an endless player that's free of ads, it's another great option to add to your music discovery toolkit.

YouTube Related Music | via Digital Inspiration

Source: http://feeds.gawker.com/~r/lifehacker/full/~3/evoc3dd_X1I/youtube-related-music-is-a-slick-endless-youtube-player

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NASA sees super Typhoon Jelawat Affecting Japan

NASA sees super Typhoon Jelawat Affecting Japan [ Back to EurekAlert! ] Public release date: 28-Sep-2012
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Contact: Rob Gutro
robert.j.gutro@nasa.gov
443-858-1779
NASA/Goddard Space Flight Center

Super Typhoon Jelawat is a large and powerful storm that has been bringing very rough seas to areas in the western North Pacific. NASA's Terra satellite passed over the monster storm and captured a visible image as it nears the big island of Japan.

NASA's Terra satellite passed over Super Typhoon Jelawat on Sept. 28 at 0238UTC (10:38 p.m. EDT, Sept. 27) and the Moderate Resolution Imaging Spectroradiometer captured an infrared image as the storm approaches Okinawa, Japan.

Jelawat's center passed by Ishigaki-jima by 1500 UTC (11 a.m. EDT) on Sept. 28 and was approaching Okinawa, the island that houses Kadena Air Base. Ishigaki is a Japanese island, located west of Okinawa and is the second-largest in islands known as Yaeyama Island group.

On Sept. 28 at 1500 UTC (11 a.m. EDT) Jelawat had maximum sustained winds near 110 knots (126.6 mph/203.7 kmh). That makes Jelawat a category three typhoon on the Saffir-Simpson scale. Jelawat was located near 24.6 North latitude and 125.6 East longitude, about 190 nautical miles (218.6 miles/352 km) southwest of Kadena Air Base, Okinawa. It is moving to the northeast at 10 knots (11.5 mph/18.5 kmh) and generating very rough seas, with waves as high as 40 feet (12.1 meters).

The center of Jelawat is expected to pass near or over Okinawa. The Facebook page for Kadena Air Base noted that the base is at warning level TCCOR-1 which means "Destructive sustained winds of 50 knots or greater are expected within 12 hours (or within four hours as of 2 p.m. EDT on Sept. 28)."

By Sept. 30, Jelawat is expected to be tracking off-shore from Japan's big island as it continues moving to the northeast in open waters

###


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NASA sees super Typhoon Jelawat Affecting Japan [ Back to EurekAlert! ] Public release date: 28-Sep-2012
[ | E-mail | Share Share ]

Contact: Rob Gutro
robert.j.gutro@nasa.gov
443-858-1779
NASA/Goddard Space Flight Center

Super Typhoon Jelawat is a large and powerful storm that has been bringing very rough seas to areas in the western North Pacific. NASA's Terra satellite passed over the monster storm and captured a visible image as it nears the big island of Japan.

NASA's Terra satellite passed over Super Typhoon Jelawat on Sept. 28 at 0238UTC (10:38 p.m. EDT, Sept. 27) and the Moderate Resolution Imaging Spectroradiometer captured an infrared image as the storm approaches Okinawa, Japan.

Jelawat's center passed by Ishigaki-jima by 1500 UTC (11 a.m. EDT) on Sept. 28 and was approaching Okinawa, the island that houses Kadena Air Base. Ishigaki is a Japanese island, located west of Okinawa and is the second-largest in islands known as Yaeyama Island group.

On Sept. 28 at 1500 UTC (11 a.m. EDT) Jelawat had maximum sustained winds near 110 knots (126.6 mph/203.7 kmh). That makes Jelawat a category three typhoon on the Saffir-Simpson scale. Jelawat was located near 24.6 North latitude and 125.6 East longitude, about 190 nautical miles (218.6 miles/352 km) southwest of Kadena Air Base, Okinawa. It is moving to the northeast at 10 knots (11.5 mph/18.5 kmh) and generating very rough seas, with waves as high as 40 feet (12.1 meters).

The center of Jelawat is expected to pass near or over Okinawa. The Facebook page for Kadena Air Base noted that the base is at warning level TCCOR-1 which means "Destructive sustained winds of 50 knots or greater are expected within 12 hours (or within four hours as of 2 p.m. EDT on Sept. 28)."

By Sept. 30, Jelawat is expected to be tracking off-shore from Japan's big island as it continues moving to the northeast in open waters

###


[ Back to EurekAlert! ] [ | E-mail | Share Share ]

?


AAAS and EurekAlert! are not responsible for the accuracy of news releases posted to EurekAlert! by contributing institutions or for the use of any information through the EurekAlert! system.


Source: http://www.eurekalert.org/pub_releases/2012-09/nsfc-nss092812.php

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Morning Bell: Hollywood Steps Up in "Won't Back Down"

A new movie opens in theaters today that couldn?t be more timely. The school year is hitting its stride, and the teachers union in Chicago just captured the national spotlight by strong-arming that city to meet its demands?at the expense of students and taxpayers.

The time is ripe for a story like Won?t Back Down, starring Maggie Gyllenhaal and Viola Davis as mothers who can?t stand to watch their school fail any longer.

Gyllenhaal?s character is a single mom advocating for better educational opportunities for her child. Davis plays a teacher in the school who wants to improve it. This is a crucial partnership: parents and teachers working together to create a better future for students. While teachers unions have already denounced the movie, Heritage education expert Lindsey Burke has urged that criticizing unions and criticizing teachers are not one and the same.

Criticizing education unions for standing in the way of reform should not be conflated with criticizing teachers? The unions have blocked reforms such as performance pay and charter schools?have opposed alternative teacher certification that would help mid-career professionals enter the classroom, and have consistently fought the implementation of school choice options for children.

Rather, the message of Won?t Back Down is one of empowering parents. In the film, parents are attempting to ?take over? the school, referring to a type of law called a parent trigger law. Seven states have a version of this law, which gives parents the power to intervene in failing schools. If a majority of parents in a school want to reform it, these laws give them options, often including converting the school into a charter school and replacing school staff.

Charter schools are typically run by non-profit community organizations, freed from the regulatory burdens on public schools. Heritage?s Jason Richwine has explained that ?Charters have more leeway to experiment with different teaching methods, curriculum content, disciplinary procedures, and levels of parental involvement.? Parents have reported very high satisfaction with charter schools.

The state of public education is ripe for reform. Just look at this year?s trends:

Public school per-student spending is at an all-time high. Nationally, average per-pupil spending exceeds $11,400 this year.

SAT scores are at a 40-year low. This is only one marker of where the education system stands. Burke reminds us that ?graduation rates have been stagnant since the 1970s, reading and math achievement has been virtually flat over the same time period, and American students still rank in the middle of the pack compared to their international peers.?

Teachers unions are losing members. The National Education Association expects it will lose 308,000 members in the next couple of years.

Support for school choice is at an all-time high. Forty-four percent of Americans now favor allowing taxpayer dollars spent on education to follow the student, enabling them to choose a private school to attend if they desire. As Burke reports, ?School choice favorability has jumped 10 percentage points since last year, a sign that the proliferation of options such as vouchers, education savings accounts, and online learning is creating a welcome choice for families across the country.?

Viola Davis, one of the stars of Won?t Back Down, expressed the desire of so many parents recently when she told Jay Leno:

I am a parent. And as a parent, I have a child and I know that the only way she?s going to get a part of the American Dream is through education. And so if that great education is a public school, I?m going to send my kid to the public school. If that great education is a charter school, I?m going to send my kid to a charter school. If it?s a private school, I?ll send her to a private school. I think that it?s about wanting do what?s best for your kid.

Read the real-life story of the first school in the country where parents successfully used the parent trigger to convert a failing public school into a charter school.

Quick Hits:

  • See what Chip Flaherty of Walden Media, which produced Won?t Back Down, had to say about the movie when he visited Heritage this week. Watch the video.
  • Students at a New Jersey high school are considering a ?lunch strike? in protest of restrictive federal guidelines stemming from first lady Michelle Obama?s ?Let?s Move? campaign.
  • The Weekly Standard?s Mark Hemingway explains how media ?fact checkers? made themselves of service to President Obama in the welfare reform debate.
  • Following next week?s presidential debate in Denver, conservatives will gather at the first-ever CPAC Colorado. Heritage has six speakers on the agenda. Advance registration rates expire Sunday.
  • With today?s debut of Won?t Back Down in theaters, Heritage?s Lindsey Burke will answer your questions in an online chat about education reform at noon ET today.

Source: http://blog.heritage.org/2012/09/28/morning-bell-hollywood-steps-up-in-wont-back-down/

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University 'goes green' across campus | TCU 360 - with news and ...

As enrollment grows in size, so does the number of green and sustainable programs on campus.??

According to the Princeton Review, the university is one of the most ?environmentally-responsible? college campuses in the nation. The university began its green movement in 1996, the university website states.

Sustainability is the act of ?meeting today?s needs without compromising the needs of tomorrow,? said Keith Whitworth, professor of sustainability.? Sustainable acts include recycling, commuting and being green, he said.

Even the debris from demolished buildings is being reused, according to the sustainability website. The university has a long list of goals and expectations for the campus to meet as quickly as possible.??

TCU Police Chief Steven McGee said the most sustainable part of campus is the Physical Plant. The Physical Plant switched to electric and compact vehicles to downsize from the trucks previously used.? With this switch, they consume less gasoline, reducing their carbon footprint.?Furthermore, they reuse grass and hedge clippings to fertilize and fill flowerbeds instead of purchasing additional mulch.

The university administration is currently switching to a paperless system,?according to university's sustainability website. About 75 percent of the paper used on campus is recycled, and numerous departments are now moving to all-digital records and communication.

There are three Leadership in Energy and Environmental Design (LEED) certified buildings on campus,?Whitworth said.

The first LEED-certified building was Scharbauer Hall.? LEED requirements include where the energy comes from and showers for people who bike to class, he said. Both Sherley and the new Mary Wright Admissions Building are LEED certified, as well.

The addition of motion sensing lights and updated light bulbs conserve more energy, according to the sustainability website. While most buildings are not LEED certified, steps have been taken to make them more sustainable. Soon, outdoor sprinkler heads will also be updated to shut off when it is raining.

According to the sustainability website, there is a repair center for bikes at the University Recreation Center, encouraging students to reduce their own carbon footprint by biking instead of driving.?

All students can also pick up a free public transit card at the TCU Police Department, which gives them free use of public transportation such as The ?T?, TRE and DART.?Whitworth said he sometimes takes the bus from his home in Cleburne all the way to campus.??

Some departments, like the TCU Police Department, are not yet sustainable, McGee said. it is hard for them to be sustainable when their main goal is the safety of students and faculty on campus.

For example, the police department does not use electric golf carts because the batteries die too quickly, and they must ensure they can see everything going on while on patrol, McGee said.

However, some students do not see a lot of the sustainable measures undertaken on campus.??

Scott Thompson, a senior strategic communications major, said he did not see a lot of the sustainable things being done on campus. The main thing he said was the lack of recycling bins.? He said he noticed them in the dorms, but not a lot of places on campus.

Whitworth said there are a multitude of student organizations that focus on sustainability. These organizations include the Environmental Club and the Society of Sustainability. The university also offers multiple classes that discuss sustainability and the green movement.?

Source: http://www.tcu360.com/campus/2012/09/15916.university-goes-green-across-campus

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Friday, September 28, 2012

Arnold Schwarzenegger Grilled on 60 Minutes, Doesn't Think He Betrayed Maria Shriver

Source: http://www.thehollywoodgossip.com/2012/09/arnold-schwarzenegger-grilled-on-60-minutes-doesnt-think-he-betr/

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Real Estate Investing for Canadians for Dummies (2nd edition) Free ...

Real estate remains one of the most stable investments available in Canada, offering a higher return than GICs and more security than stocks. Real Estate Investing For Canadians For Dummies, 2 nd Edition offers a clear, comprehensive, and Canadian look at investing in real estate, from investigating properties (and other investment options, such as REITs), to securing financing, to managing properties, to knowing when to sell.
Real-life anecdotes, useful web resources, and a balanced perspective will make this the ideal book for people looking to explore this lucrative field.Content in this revised edition covers the new opportunities available (such as foreclosures), the significant changes to financing, and changes to property management laws that every investor must know. Gray and Mitham also explore how investors can manage risk and survive (and thrive) in a volatile market and offer new advice on how to manage maintenance costs.
Extabit:
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Lumfile:
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Source: http://flmsdown.net/ebooks/1360568-real-estate-investing-for-canadians-for-dummies-2nd-edition.html

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Thursday, September 27, 2012

2010 health articles - HEALTH, BEAUTY & FITNESS

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Source: http://curryrecipe-jp.net/health-2/2010-health-articles/

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German court backs Catholic 'pay to pray' rule

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Wednesday, September 26, 2012

Video: Pain in the neck passenger turns heads

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Source: http://www.msnbc.msn.com/id/21134540/vp/49183070#49183070

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NMHC Releases 2012 Income/Expense Benchmarks for Student ...

WASHINGTON, D.C. ? September 25, 2012 ? (RealEstateRama) ? As college and university enrollments have grown almost 40 percent in the past decade, squeezing schools? supply of on-campus housing, demand for private, off-campus student housing options is growing. Responding to that trend, the National Student Housing Council (NSHC) and the National Multi Housing Council (NMHC) today released their?2012 Off-Campus Student Housing Income and Expense Benchmarking Survey. The only such survey specifically targeting the off-campus student housing sector, it includes data on 370 properties from 25 companies in 46 states.

Key findings include:

  • As found in previous studies, off-campus student housing properties are continuing to lease predominantly ?by-the-bed,? with every student in an apartment responsible for his or her own lease. Properties in this survey that leased by-the-bed reported earning less per bed in rental income and spending larger percentages of their rental income on operating expenses than properties that lease by-the-unit, but this may be due to product mix (by-the-unit properties typically have two or more beds per unit). It is interesting to note that prior studies have shown that on a per property basis, more income is derived at properties that rent by-the-bed.
  • Late-fee income varies tremendously by property. For example, late-fee income ranged from $13.41 to $110.61 per bed for mid- to high-rise properties that leased by-the-bed. However, for garden-style properties that leased by-the-unit, late-fee income ranged from $22.26 to $114.26 per bed. A property?s location also factored into the late-fee income averages.

Data is provided by type of leasing structure; the report also breaks out the data results by property age, property type, property size and ownership/management structure. In addition to the general results, which provide the full aggregate data for all 46 states, the survey includes select regional results and state-level data for Alabama, Florida, Georgia, Indiana, Michigan, North Carolina, Ohio and Texas.

The survey report is given complimentary to all attendees at the upcoming NMHC Student Housing Conference & Exposition, October 1-2 at the Arizona Biltmore, Phoenix, Ariz. Conference registration information is available at: http://www.nmhc.org/goto/SHC12reg.

It is also available for purchase by both NMHC and NAA members ($750) and nonmembers ($1,500). NMHC also offers a student housing research package, which gives purchasers access to all of the NMHC and NSHC annual student housing research reports. NMHC and NAA members pay $1,700 and nonmembers pay $2,500 for the package.

Sample tables showcasing the report?s percent of rental income and dollars per bed analysis are below:

Expenses as a Percent of Rental Income Properties Built 2006-Present in Midwest Region
10th Percentile 50th Percentile 90th Percentile ?Average
Rental Income 100.0% 100.0% 100.0% 100.0%
Total Operating Expenses 34.2% 57.1% 71.5% 54.5%
Total Compensation 6.2% 10.8% 18.8% 12.1%
Maintenance and Repairs 3.1% 4.3% 9.4% 5.0%
Taxes 2.5% 7.6% 21.5% 9.9%
Insurance 0.7% 1.3% 2.0% 1.3%
Marketing 0.8% 2.1% 4.5% 2.2%
Turnover 0.4% 1.7% 2.9% 1.6%
Utilities 4.3% 9.0% 18.2% 10.2%
Late-Fee Income 0.1% 0.8% 1.7% 0.8%

Note: Figures are a percent of net rent and do not include other income in the denominator. (n=18)?

Expenses Shown in Dollars Per Bed Properties Leased By-the-Unit in the South Region
10th Percentile 50th Percentile 90th Percentile ?Average
Rental Income $4,699.45 $6,552.85 $7,780.95 $6,198.51
Total Operating Expenses $2,425.97 $3,015.12 $4,244.26 $3,102.01
Total Compensation $520.54 $636.22 $956.32 $697.56
Maintenance and Repairs $129.90 $242.37 $433.23 $252.41
Taxes $296.14 $534.44 $748.96 $532.04
Insurance $95.55 $121.69 $180.70 $133.25
Marketing $106.54 $154.32 $281.21 $173.21
Turnover $149.88 $195.39 $313.31 $210.10
Utilities $133.09 $359.49 $659.57 $386.32
Late-Fee Income $24.45 $54.78 $107.33 $51.55

Note: Figures are per bed. (n=35)

For more student housing information or resources, please visit www.nmhc.org/goto/studenthousing.

NSHC is a subsidiary of NMHC.

* * *

NSHC was formed in 2011, nine years after NMHC launched the first-ever student housing conference, and serves to encourage information exchange and conduct research to help inform the investment decisions and best practices off-campus student housing developers. Based in Washington, D.C., NMHC is a national association representing the interests of the largest and most prominent apartment firms in the U.S. For more information, contact NSHC at 202/974-2300, e-mail ">, or visit NSHC?s web site at www.nmhc.org/goto/StudentHousing.

Contact:
Jim Lapides, 202/974-2360,

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Source: http://www.realestaterama.com/2012/09/25/nmhc-releases-2012-incomeexpense-benchmarks-for-student-housing-ID017039.html

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Tuesday, September 25, 2012

Treasure Coast Real Estate | Harbour Isle Homes For Sale ...

by starfish on September 25, 2012

Find Harbour Isle Homes For Sale and Harbour Isle Home Values. We also have information on mortgages, insurance, movers and other Treasure Coast Real Estate Services for anyone looking to sell or buy a home in beautiful St Lucie COUNTY Florida.

Paul Kitchen and Starfish Team provide clients, family and close friends with professional, honest and dependable service. A resident of Treasure Coast, Paul is extremely familiar with the local neighborhoods including Harbour Isle, school districts and the Treasure Coast Real Estate market in this beautiful Florida town.

Paul Kitchen
Broker-Owner
Starfish Real Estate
8985 SE Bridge Road Hobe Sound, Florida 33455
(772) 539-8380
(800) 793-7304 toll free
Treasure Coast Real Estate
Treasure Coast Real Estate Blog

Starfish Real Estate

Source: http://www.treasure-coast-living.com/2012/09/25/treasure-coast-real-estate-harbour-isle-homes-for-sale-september-2012-8/

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If a house is in foreclosure, how long can it be there ... - Zillow Real ...

Hi Jessica,

Dawgs is correct. It could be a short period or a very long time. ?A lot depends on the laws of your state and the mortgage holder.

Here, in Michigan, there is a six month redemption period where the home owner has the opportunity to purchase the house back after the Sheriff sale. The home owner can stay in the house for free (except utilities) for six months. If the owner doesn't leave after that, there is the eviction process which can take another two to eight weeks. After the house is vacated, it could take the mortgage holder several months to list the property.

In some states the home owner can be evicted the day of the Sheriff sale and the home can be listed the same day.

You might want to contact an attorney or a local realtor to see what the laws are for your area and what they have to say about the process.

Good luck ...

Source: http://www.zillow.com/advice-thread/If-a-house-is-in-foreclosure-how-long-can-it-be-there-before-it-is-available-to-purchase/461249/

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How To Buy And Avoid Costly Mistakes | Eric Chua : Life, Business ...

Purchasing property can be nerve-wracking, but life-changing. Though, the stress in buying a house can be reduced with the right information. If you read these tips, buying a home can be a better experience.

Before buying a home, get an inspector to examine it. If you skip the inspection, you might discover hidden problems after you?ve already bought the house, and these problems may be expensive or difficult to fix. Not only do surprise renovations cost you money you don?t want to spend, if they?re really serious, you might have to find another place to live while the work is being done.

If you want a great investment in buying property, you should think about repairing and remodeling it. This increases the value of your investment by boosting its resale value. Sometimes your property value will increase more than the money you put in.

TIP! If your employment isn?t steady, you may want to reconsider a home purchase until it becomes so. Putting your signature on the mortgage means that, regardless of events, you are solely responsible for your payments.

If you plan to purchase all or some of a building for opening a business, be sure it is in a good neighborhood with ample growth opportunities. Opening your business in a terrible neighborhood can prevent you from having a large client base. Talk to a real estate professional to find out what locations are ideal for starting up a new business.

If you are considering purchasing a house that has a view, avoid paying high premiums for view lots. You may feel that the view is worthy of the extra amount, but others may not agree when it is time to resell. You can buy the home because you enjoy the view, but you do not have to overpay.

Be sure to save up the down payment your mortgage loan servicing company requires. Otherwise you may have to end up paying PMI, which is private mortgage insurance. This means you have to spend extra money every month just to prove you can afford your payments without actually working toward paying back your mortgage.

TIP! When looking at details about potential home purchases, remember to check for adequate parking if you own an automobile. This is even more important if the home lacks a driveway.

Do a little investigative work of your own by measuring the home before you purchase. Make sure your home?s square feet is listed correctly on the public record. If the discrepancy between the numbers is more than a hundred square feet, think twice about making an offer on this listing or start investigating why the discrepancy exists.

Make sure you qualify for a loan before you start looking for a home. You don?t want to discover the home you love without being able to pay for it. Securing financing can take a long time, and you don?t want to lose your house waiting for that loan.

When purchasing a home, hire all of your own support people. You may want to take the easy way out and work with the people the seller chose, but that is a bad idea. That way, you could get these services for free, instead of having to pay for them. With that having been said, it is still in your best interests to hire your own workforce so that you have people that you can personally hold accountable. If you are sure you get the truth from the beginning, you can save yourself a lot of money and stress later on.

TIP! You must understand well the terms used in mortgage loans before purchasing a home. You are less likely to be confused later if you understand upfront how the term of the mortgage influences the amount of the monthly payment and your total cost over the entire life of the loan.

If you have found a home that you are considering buying, be sure to get online and research the registry for local sex offenders. Although sex offender registries are available to the public, real estate agents are under no obligation to disclose information to potential buyers about registered sex offenders in the neighborhood. Ask people around the neighborhood, and verify the information with your own research using reliable resources.

Having an approval letter in hand will make you more attractive to sellers. If you wait to get your approval letter, it will increase the length of time it takes to actually purchase the house, and could prove to be more expensive.

TIP! Hire professional inspectors to inspect the house that you are planning to buy. Don?t be tempted to allow a friend or relative to do the home inspection in order to avoid having to pay a professional.

Write down all the important questions that you need to ask potential real estate agents. Ask all of the important questions, like how many houses they have helped to sell this last year, and what is the number of homes they sold that are in the area you are looking at? A good agent will be able to answer all your questions.

By implementing the preceding advice, the process of purchasing a home should be simpler and should go more smoothly. If you know what you?re in store for when purchasing a property, half the battle is

Join me on Facebook:

www.facebook.com/maynaseric

Source: http://www.maynaseric.com/how-to-buy-and-avoid-costly-mistakes

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Monday, September 24, 2012

PFT: Angry Belichick grabs ref on way off field

New England Patriots v Baltimore RavensGetty Images

Ravens quarterback Joe Flacco?s been begging for it for years.

Sunday night, he earned the respect he?s been looking for.

The Ravens quarterback stood toe-to-toe with Patriots counterpart Tom Brady, and came out the winner in a classic 31-30 decision.

Flacco was 28-of-40 for 382 yards and three touchdowns, the kind of signature win people keep expecting him to not get. At this point, he?s gotten those kind of wins often enough we really shouldn?t be surprised any longer.

Granted, he needed Justin Tucker?s just-in 27-yard field goal to win it (exorcising the demons of Billy Cundiff), but did everything he needed to do to move to 2-1.

Here are five more things we learned on Sunday Night Football:

1. God bless Torrey Smith, for the strength he showed coming to the stadium hours after his brother died in a motorcycle accident.

That he excelled on the field, catching six passes for 127 yards and two touchdowns made his story more touching, that he faced adversity and pushed through it.

But playing this game might be the easiest thing he does this week. Hopefully he has the same strength in the days to come, as well as the time and space to grieve.

2. The Ravens defense lacks a certain sizzle.

They?re still solid, but without outside linebacker Terrell Suggs, there?s a clear difference in what they?re putting on the field. The other parts can?t be as effective without the pressure he provides.

No group with Haloti Ngata, Ray Lewis and Ed Reed is going to be ordinary (although Ray Lewis isn?t RAY LEWIS anymore), but the lack of a consistent pass rush is going to keep them from becoming a truly elite group.

In other words, meeting their own established standard.

3. The Patriots are obviously smart.

Sometimes they seem to fall in love with their own cleverness, however, and make it more difficult on themselves than it has to be.

Plays such as the oddball-reverse to Julian Edelman (which Ravens linebacker Courtney Upshaw destroyed for a big loss, giving the Ravens a spark at a time they looked lifeless) are cuter than they need to be.

Couple it with their menagerie of backs of all shapes and sizes (mostly small), and it smacks of Josh McDaniels and Bill Belichick congratulating themselves for doing things others can?t.

Psst, fellas, here?s the secret to the Patriots offense: You have Tom Brady.

It doesn?t have to be that hard.

4. That being said, the amount of freaking out about Wes Welker the first two weeks was clearly over the top.

Because they tinker, and because they spread it around, it?s senseless to think he wasn?t going to get his chances, contract issues notwithstanding.

With a 59-yard reception early, and eight catches for 142 yards, it?s clear they?re going to give him plenty of chances.

5. Ravens cornerback Cary Williams isn?t as bad as he looked at times Sunday night.

But he has the misfortune of playing opposite Lardarius Webb, which means he?s? going to be targeted more often than he would playing anywhere else.

He turned down an extension offer from the Ravens in August, but needs to play better on national television if he?s going to do better on the open market.

Source: http://profootballtalk.nbcsports.com/2012/09/24/bill-belichick-grabs-an-official-as-he-runs-off-the-field/related

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Band 2 Discussion

Living in the Limelight

Two bands, linked by a few threads both musical and personal, are now set to headline their first big tour together. What comes of this odd arrangement? (Open)

Owner:

Game Masters:

This topic is an Out Of Character part of the roleplay, ?Living in the Limelight?. Anything posted here will also show up there.

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Forum for completely Out of Character (OOC) discussion, based around whatever is happening In Character (IC). Discuss plans, storylines, and events; Recruit for your roleplaying game, or find a GM for your playergroup.

This is for discussion of the material and dynamics of Band 2, Ted Marubini's band.

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Erik7622
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MetaTrader 5 Integrated With Knight Hotspot FX ECN - Business ...

LIMASSOL, Cyprus, September 24, 2012 /PRNewswire/ --

MetaQuotes Software Corp. announces the integration of its MetaTrader 5 Trading Platform with Knight Hotspot FX, an institutional foreign exchange ECN offering deep liquidity in more than 60 currency pairs plus gold and silver with speed, competitive pricing, full depth-of-book transparency and complete anonymity.

The MetaTrader 5 integrates with Knight Hotspot FX through a new gateway, which was developed by MetaQuotes Software Corp. Now MetaTrader 5 brokers receive additional means for covering risk, and traders can access better prices.

MetaQuotes is consistently moving towards developing integration of MetaTrader 5 with various liquidity providers in the Forex market. The platform is already integrated with well-known providers such as?CitiFX Pro?and Currenex.

"We are constantly developing native functionality into MetaTrader 5 to satisfy the demand that derives from the vast majority of MetaTrader brokers," states Gaies Chreis, COO of MetaQuotes Software Corp. "Having introduced the MetaTrader 5 Hotspot FX Gateway in our trading platform, we believe that we are adding value to our brokers that already have a business relationship with both MetaQuotes and Hotspot FX."

Hotspot FX's ECN market structure is underpinned by robust, award winning technology to ensure instantaneous trade executions, immediate trade confirmations, real-time position updates and seamless post-trade STP. Firms can access the Hotspot FX platform via its trading interface as well as by its Live Link? integration suite, which includes a proprietary API and FIX gateway.

"Hotspot's integration with MetaTrader is an opportunity to expand our wholesale offering to the MetaTrader global forex trading community," said John Miesner, Managing Director and Head of Global Sales for Knight Hotspot FX. "Hotspot is excited to provide access to a diverse liquidity pool customized to meet the specific needs of MetaTrader's global retail FX traders."

About MetaQuotes Software Corp.

MetaQuotes Software Corp. is a professional developer of software applications for financial markets. With more than a decade of experience, the company is a market leader, providing one of the best Forex trading software solutions. The company's MetaTrader 5 trading platform provides features for trading not only on the Forex market but also direct on stock exchanges.
Company website: http://www.metaquotes.net

About Knight Hotspot FX

Hotspot FX LLC, a subsidiary of Knight Capital Group, Inc., operates the first foreign exchange ECN for institutions. Hotspot FX allows a diverse and expanding client base access to deep liquidity in more than 60 currency pairs plus gold and silver with speed, competitive pricing, full depth-of-book transparency and complete anonymity.

Company website: http://www.hotspotfx.com

Source: http://www.businessrevieweurope.eu/press_releases/metatrader-5-integrated-with-knight-hotspot-fx-ecn

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Kevin Pietersen hopeful for selection in New Zealand tour ? Cricket ...

Kevin Pietersen hopeful for selection in New Zealand tour ? Cricket News Update

Exiled England batsman Kevin Pietersen has expressed the hope that his ongoing stand-off with the England and Wales Cricket Board (ECB) will reach a speedy resolution, paving the way for his selection in England?s tour of New Zealand next year.

?Hoping all's sorted and I'm on the NZ tour in Feb,? Pietersen said during a Twitter conversation with New Zealand rugby player Dan Carter on Friday. England are due to tour New Zealand next year in February/March, for a series of 3 T20Is, 3 ODIs, and 3 Tests.

Prior to the Pietersen's Twitter conversation, team captain Alastair Cook had confirmed that in addition to having met up with the out-of-favour batsman himself, talks between Pietersen and the England team management were still ongoing, with Hugh Morris and David Collier in Sri Lanka, were Pietersen is working as a TV pundit during the ongoing ICC World Twenty20.

?I did have a meeting with Kev ... Time, hopefully, will be a healer and we'll be able to move on,? said Cook, maintaining an optimistic outlook. ?At the present time, though, the issues haven't been resolved so he can't be selected.?

Following the worsening of the spat between the two parties, Pietersen was not only excluded from the line-up for the final Test against South Africa in a series played last month, but also from the squad for the ongoing ICC World Twenty20 2012. Player of the Match from England?s 2009-10 World T20 triumph, Pietersen?s exclusion from the team illustrated the severity of the situation.

Speculations regarding the right-hander?s inclusion in the Test squad for England?s all-important tour of India later this year arose, but discussions between the two sides had not reached a sufficiently satisfactory conclusion, according to Cook, and as a result, Pietersen was not selected.

?It's sad that ... we're not taking Kevin to India, but that is the reality,? Cook said. Pietersen has since gone on to express his disappointment with the board?s decision to exclude him.

?We are trying to do what is best for English cricket,? the newly-appointed Test captain went on to add. ?I think he can play for England again, certainly, but there are still issues to be resolved and until that happens he is unavailable.?

Pietersen announced his retirement from international limited-overs cricket earlier this year ? a decision which he went on to retract, but which triggered a series of events that have led to his falling-out with the ECB.

Source: http://blogs.bettor.com/Kevin-Pietersen-hopeful-for-selection-in-New-Zealand-tour-Cricket-News-Update-a189444

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Mauled N.Y. man: I wanted 'to be one with the tiger'

NEW YORK (AP) ? Before his now-infamous tangle with a Bronx Zoo tiger, David Villalobos adorned his Facebook page with New Age odes to Mother Earth and affirmations like, "Be love and fearless."

Police said Saturday that Villalobos had told detectives that it was without fear that he leaped from an elevated train into the animal's den. His reason, they said, was that "he wanted to be one with the tiger."

Villalobos also recounted how, after he landed on all fours, the 400-pound beast attacked him and dragged around by his foot, said New York Police Department spokesman Paul Browne. Despite serious injuries, he claimed he was able to get his wish and pet the tiger ? a male Siberian named Bashuta ? before his rescue, the spokesman added.

Based on those admissions and a complaint from the zoo, police were planning to arrest the hospitalized Villalobos on trespassing charges, Browne said. It was unclear when that would happen or if the 25-year-old real estate agent had an attorney; attempts to reach relatives on Saturday were unsuccessful.

Villalobos' big-cat exploits Friday afternoon were an instant tabloid sensation: A front page New York Post story on Saturday was headlined "MAULED!" The Daily News countered with "ZOO-ICIDE," speculating a death wish.

Police had said earlier that Villalobos admitted to a police officer at the scene that he made a conscious decision to jump ? "Everyone has a reason for what they do in life," he was quoted as saying ? but that his motives were murky and an arrest uncertain.

That changed when, during a follow-up interview Saturday, Villalobos told detectives that "his leap was definitely not a suicide attempt, but a desire to be one with the tiger," Browne said.

Villalobos remained hospitalized with bites and punctures on his arms, legs, shoulders and back, and a broken arm and a leg caused by the jump.

The Wild Asia exhibit that's home to the tiger was operating as usual on Saturday, zoo officials said, declining to comment further.

Villalobos' Facebook page makes clear his infatuation with wildlife. One of several postings from Thursday was a photo of a tiger licking a cub, and the comment, "Nice." Another was of a black jaguar.

An earlier post displayed a promo for a movie called "Facing Animals," a Dutch documentary about "the complex and often bizarre relationship between man and animal."

His comment: "This looks fascinating."

Villalobos' own bizarre encounter began with a ride on the elevated train that takes unrestrained visitors over the Bronx River and through a forest, where they glide along the top edge of a fence past elephants, deer and a tiger enclosure. He and a date had taken in the same sights from the monorail during a visit to the zoo about two weeks ago, police said Saturday.

This time without warning, Villalobos apparently jumped out of his train car and cleared the 16-foot-high perimeter fence. He was alone with Bashuta for about 10 minutes before he was rescued by zoo officials, who used a fire extinguisher to chase the animal away.

The zookeepers instructed to roll under an electrified wire to get to safety, Breheny said. They then called the tiger into a holding area.

The Bronx Zoo, one of the nation's largest zoos, sprawls over 265 acres and contains hundreds of animals, many in habitats meant to resemble natural settings. Its exhibits include Tiger Mountain, Congo Gorilla Forest and World of Reptiles.

There are 10 tigers at the Wild Asia exhibit, but the 11-year-old Bashuta was the only one on display at the time. Zoo officials said he would remain in the rotation.

"When someone is determined to do something harmful to themselves, it's very hard to stop that," said zoo director Jim Breheny. "The tiger did nothing wrong."

Source: http://news.yahoo.com/mauled-ny-man-wanted-one-tiger-175044318.html

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Friday, September 21, 2012

ShowBed.com ? Blog Archive ? The way to Purchase a Franchise ...

Investing inside your personal company may be one of one of the most crucial choices one will ever make. The challenges are enormous physically and emotionally. Even finalizing a decision to own one?s own business is daunting in itself. Several budding entrepreneurs cop out early into the choice creating method.

Typically individuals wanting to strike out on their own had been never accountable overall for: sales, marketing, human resources, client service, good quality assurance, operations, legal compliance, accounting, and considerably more. When owning a business, such as a franchise ALL of those roles will typically be carried out on a daily basis.

In principle owning a franchise will decrease the threat of not having conducted a lot of of these roles for all those brave folks who ultimately choose to turn into a franchisee. The foundation of company format franchising is that the franchisor has developed a system, which has been confirmed effective, which could be duplicated by other individuals ?being franchisees.

When an enterprise, regardless of whether it be associated with food, automobiles, developing, or consulting (there are 75 franchise industries) decides to develop by franchising vs. an item or service distribution scheme, that enterprise ought to create documented systems which have contributed to that business? prior good results, and which might be replicated by its future franchisees. The new franchisee will be trained and supplied with, or access, to manuals covering the mission vital functions referred to earlier.

Picking the franchise in itself is a critical and time-consuming process. While several new franchisees choose a franchise right after getting an individual knowledge at a franchise outlet, most use the net to search for any franchise to purchase. Considering that 2000 on the web franchise directory web internet sites have proliferated. While many are just bulletin boards, other net sites like Franchise.com a lot more total information on each franchise opportunity and its specifications. When considering one or more franchises of interest, one particular simply completes a request for further info form with their private information on how to be contacted by the franchisor.

Even though some companies want only simple data, other individuals will want the candidate to offer a lot more given that they tend not to desire to waste their time. Some companies get literally hundreds of leads every day from seemingly interested prospects, several of that are not qualified to own their franchise. Count on to get a phone contact from the franchisor, and in case you are genuinely interested in becoming a serious candidate, then it truly is imperative that you simply respond, as a way to be considered a genuine contact.

You will find So many franchises to consider how can you select which one particular might be finest for you? Very first have some understanding of the monetary capability. Do you have capital accessible to invest? Don?t forget the possibility of acquiring extra capital for the investment from a loved a single or even a friendly investor.

Next, believe about what you like to do, and what you usually do not prefer to do, and decide on accordingly. In the event you don?t like working with the public, then a retail business shouldn?t be deemed. Should you like working with children, animals, crafts, or involvement in sports, then target a franchise in that matching category.

Right after you speak with all the franchise representative, should you are nonetheless interested, and when the franchise is considering you, then you?ll be requested to total a formal franchise application, which will involve usually a credit examine and at times a background verify. In the event you meet the franchisors guidelines, then to move forward then by law the franchisor is expected to send or supply to you a disclosure document, known as an Uniform Franchise Offering Circular (UFOC).

Read the UFOC very carefully because it?s going to contain a vast quantity of details on the franchise including: background of franchise and its essential principals, monetary statements, litigation, franchise openings/closings/terminations, franchisee contacts, franchise agreement, specifications, and far more.

One of your important queries to the franchise representative early on could possibly be ?how a lot can I make?. By law a franchise salesperson can?t give you an Earnings Claim, unless it really is integrated within the disclosure document. There is absolutely no legal requirement that the franchisor ought to provide you with an Earnings Claim, even so some franchisors do provide it. If the franchisor has chosen not to offer it, then it remains crucial to make contact with other franchisees listed in the disclosure document. Other franchisees can answer many of one?s queries. Numerous franchisors will also require you to go to their headquarters ahead of signing the agreement, so that you are able to each get to know one another greater. This can be identified as Discovery Day.

Ultimately your new business? profit or loss will likely be determined by such aspects as your franchise territory, web site place (if not house based), as well as your person efforts and commitment to following the program. Even though you?ll be your own personal boss, when owning a franchise you?ll not be ?on your own?. The franchisor will have also committed to fulfill their promises to you as stated inside the franchise agreement.

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Source: http://showbed.com/uncategorized/2012/09/21/the-way-to-purchase-a-franchise/

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