মঙ্গলবার, ৩১ জুলাই, ২০১২

Better finance deals spur July auto sales: analysts

Auto Lending News Reports:

DETROIT (Reuters) - The pace of auto sales is expected to hold steady in July, when sweeter financing deals prompted American consumers to replace aging cars and trucks despite languishing consumer confidence and high unemployment. According to a Reuters survey of 41 economists, the annual rate of U.S. light vehicle sales is expected to be 14 million this month. In June, that rate was 14.1 ...

Provided by the following bad credit auto loanNews Listing: Better finance deals spur July auto sales: analysts

Go To Auto News Source

Source: https://vehiclemicrofinancing.com/better-finance-deals-spur-july-auto-sales-analysts/

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Jose Irizarry Lopez, 54, Fort Myers, Florida

Sorry, Readability was unable to parse this page for content.

Source: http://nbc2.tributes.com/show/Jose-Irizarry-Lopez-94182434

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সোমবার, ৩০ জুলাই, ২০১২

Denso: Senior Sales Specialist/Automotive OES?Long Beach, CA ...

Senior Sales Specialist ? Automotive OES ? Qualified candidates should possess a Bachelor?s degree or equivalent with 4 ? 6 years sales experience, preferably with OEM Automotive Manufacturers. Strong communication, presentation and negotiation skills required. Strong customer relation and analytical skills. Proficient in Microsoft Office Applications, specifically Excel and PowerPoint. Must work well with numbers. Responsibilities include supporting current business, analyzing sales history, fill rates, shipping performance, pricing comparisons, application discrepancies, order management, etc. Presenting sales analysis, proposals, etc. when negotiating with customers. Presenting of technical materials to customers and collaboration with customer?s engineering to develop product specifications. Traveling to customers, trade shows and dealer visits as needed. Collaborating with internal departments and supporting all product management activities as it relates to the different Automotive OES customers. Analyzing market share and other industry data to support findings and insights to make recommendations by product line. Managing of Sales and Planning projects. Coordinating marketing and advertising activities for the customer. Monitoring the results of sales promotions and reporting results to internal departments and management. Coordinating with Field Staff to promote DENSO Products and Programs. Gathering, compiling and analyzing customer sales and forecast information for the monthly sales report. Creating the monthly sales report and related materials for management.

Candidates should email their resumes to me:
sharon_salg@denso-diam.com.
Or they can fax a resume to 310/513-8579

previous post: Denso: District Sales Rep?Western Region

>>

Source: http://www.thegreensheetonline.com/denso-senior-sales-specialist-automotive-oes-6498.htm

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Dracut East travel team wins Chelmsford Baseball Tournament

The Dracut East 10-year-old travel team won the Chelmsford Baseball Tournament on July 14 beating West Boylston 2-0 in the Championship game. In the front row are Kyle Cox,Lucas Ibarguen, Jared Marchand, Bat Boy Timothy McGonigle, Sean McMeniman, Jack Leahy, Patrick Crowley and Aiden Maston.

In the second row are Jared Fahey, Devin Lambert, Eric Airosus, Chase McGonigle, Jack Beal, Timothy Picard. In the third row are Coach Ken McMeniman, Manager Jon Leahy, Coach Jim McGonigle and Coach Tim Crowley.

Source: http://www.thevalleydispatch.com/ci_21173108/dracut-east-travel-team-wins-chelmsford-baseball-tournament?source=rss_viewed

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Did You Know Gaming?: Final Fantasy | Community Connect NJ

Did You Know Gaming?: Final Fantasy | Community Connect NJ Community Connect NJ

WELCOME TO COMMUNITY CONNECT NJ!!


Entertainment

July 29, 2012

Written by: Robert Catalano

Did You Know Gaming?: Final Fantasy


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  • Possible Future Apple Products

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  • Dark Knight Rises Street Art

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  • Dishonored

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  • Final Fantasy Versus XIII Cancelled

    Pinned: 24 Jul 2012
  • Aurora theatre shooting

    Pinned: 24 Jul 2012
  • Do you take the Garden State Parkway to work? Were you late today? Well that was probably because of the multi-vehicle accident on the Garden State Parkway that had blocked all southbound lanes in Bloomfield. All lanes are being diverted through the Brookdale Service Area. State Police said the accident involved six to seven cars but that there are no life-threatening injuries. The lanes should re-open shortly.

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  • BBQ Chip Bandits...Busted

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Source: http://www.communityconnectnj.com/did-you-know-gaming-final-fantasy/

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রবিবার, ২৯ জুলাই, ২০১২

Finding an Email List of Non Profit Organizations Effectively ...

Most businesses that?re running to sell services or goods into non profit organizations discovered and proved that this technique of electronic mail marketing is a really good way to raise sales rating. It does take an excellent hand as well as mind to compose powerful advertising mails for marketing functions. Certainly, you could do the writing yourself, or if you?re very busy, you may just hire professional writers to create mails for your ad and marketing strategy. Once are all set, you can begin sending e-mails to those individuals in your email list of non-profit organizations.? A catchy and informative email will absolutely hook your prospects? attentions. Be exact, straightforward, professional as well as friendly in your message. You don?t need to make fancy, too-good-to-be-real e-mails, for in many instances, the recipient would normally tag that kind of e-mail as spam. Re-compose your messages every now and then to refrain from being marked as spammer by the mailing sites.

Email List Of Non Profit OrganizationsBusinesses like yours who?re selling items which your target are non-profits groups as your principal customers, then you definitely need to understand that a list of non-profit organizations is essential thing that you should have in collection for your campaign plots. Contact numbers and e-mail addresses database are the regular listings that can be used for effective marketing or promotional initiatives. This email list of non profit organizations could be the very best step to attain higher number of sales and gain a good amount of publicity into your specific viewers. Compared to contacting on where you need to spend more money for every campaign, mailing e-mails to your potential customers is really a far more convenient and cost effective approach to connect you their attentions. On cold calling you?ll have to invest lots for your lead?s listing, whilst the email addresses lead?s cost are relatively cheaper. Additionally, there?s no doubt that mailing electronic mails help you save from spending too much in your telephone bills.

Majority of non-profit organizations right now uses the web to interact with their fellows as well as co-organizations. Therefore then, they typically have e-mail addresses which they?d examine from time to time. Getting an email list of non-profit organizations could help you attain this vast audience. By simply mailing emails to such organizations, you are telling them as to what your business could offer. Email ad or promotional campaigns are way cheaper compared to other platforms use to boost sales rating, and that is tested not simply by small businesses but as well as by commercial businesses. Using an email list of non profit organizations on your data base is similar to getting fanatics for your certain product. Use your marketing skills so as to catch your potential customers and observe your sales rate improves.

Getting an up-to-date list of non profit organizations is truly challenging. Since most individuals have become used to getting things straight away, manually compiling an email list of non profit organizations is actually the last choice. It is advisable for all to understand that they could already have got an email list of non profit organizations. Email lists are something that individuals shouldn?t ignore and consider as spam. An email list providing the contacts and names of several charitable organizations is an easy way to get in touch with a non-profit organization. It is less time consuming and economical in anyone who is interested in building a continuous communication with the certain organization. Because there are a lot of existing non profit organizations at the moment, having them in an email list is really a hassle-free means of picking the best organization which matches a person?s need. So long as a net connection, a personal computer and an email address are available, business with non profit organizations is not really a challenge.

Filed under: Uncategorized

Source: http://daruneefund.org/finding-an-email-list-of-non-profit-organizations-effectively/

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kye news | Point of Insight

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How to stress-test your bond portfolio See your bonds and bond funds react to rate moves A Safer Way to Buy ?Junk? WSJ.com With interest rates near record lows, investors looking for meaningful yields are piling into high-yield ?junk? bonds. The problem? Junk bonds are notoriously volatile, and the selloffs can be nasty. One solution for investors with weaker ? Breaking Up Is Hard to Do WSJ.com Bank stocks have been stinking up the market for years. Would breaking up the companies help unlock some value for investors? This week, Sanford Weill, the mogul who built Citigroup into a giant institution, urged splitting apart the very ? Fidelity Targets Securities Lending WSJ.com Mutual-fund company Fidelity Investments is setting itself on a collision course with rivals by rolling out a pricing service designed to make the roughly $800 billion market for securities lending more transparent, according to people ? Tweaking Treasury Holdings Without Betting the House WSJ.com More than three decades into the bull market for bonds, Treasury yields are shockingly low. The 10-year note pays 1.6%, less than a quarter of its long-term average. This Week WSJ.com Fed Acts, Markets Fall Stocks tumbled this week on concerns about the pace of global growth. The Dow industrials fell 1% to 12640, ending a two-week winning streak, after indexes of manufacturing activity in the U.S. and China fell. The ? Is Now the Time to Buy Junk? WSJ.com Earlier this year, investors couldn?t wait to get their hands on risky high-yield bonds. Now they can?t get rid of them fast enough. Yet this could be a good opportunity to buy if you are looking for yield and can handle a rocky ride in the ? Will ?Junk? Munis Bite Back? WSJ.com Are you taking too much risk with municipal bonds? Investors have poured about $24 billion so far this year into muni bonds, on pace for the most since 2009. But about 22% of that is going into riskier high-yield, or ?junk,? bonds?those ? Stocks for bond lovers; These companies? stocks offer fatter payments than their bonds MarketWatch Investors who buy Procter & Gamble bonds that come due in 15 years get a yield to maturity of about 3% a year. Those who buy the company?s stock, meanwhile, get a dividend yield of 3.7%. Time to Sell Treasurys? WSJ.com Treasury bonds are priced for the end of the world. But the latest Europe-induced bout of panic might be coming to an end, some advisers and strategists say. Savings Fall Short for Most Retirees WSJ.com Your financial adviser doesn?t want you to read this column. Many retirement investors, egged on by brokers and mutual-fund companies, put a great deal of emphasis on crafting finely tuned portfolios out of stocks, bonds and?increasingly, ? Subscriber Content Read Preview Large Institutions Discuss New Marketplace for Bonds WSJ.com Big money managers and Wall Street banks are laying the groundwork for a new marketplace for corporate bonds, an effort that highlights the heft of large investors and the impact of new rules limiting bank risk-taking. Muni Buyers Gain Peace of Mind, But Will Likely Lose Some Yield WSJ.com After a surprisingly solid year, the $3.7 trillion muni-bond business is getting another boost: the return of insurance. For investors, this means more municipal bonds will again come with an added layer of protection. The downside is that ? This Week WSJ.com Markets Get Mauled Concerns that the euro zone will break apart?and damage the global economy?sent investors fleeing out of stocks and into the safety of government bonds. The Dow fell 2.7% to 12118, its lowest close since December. The ? By Jason Zweig; Are Bond Rates on a Road to Nowhere? WSJ.com The ?bond vigilantes? who once imposed law and order on financial markets are being run out of town. That means investors thirsting for a quick return to ?normal? interest rates might stay parched for a long time to come. Emerging Markets: The Allure of Bonds; Advisers suggest investors look beyond stocks WSJ.com For investors looking to diversify into emerging markets, they might be surprised to know there?s more than stocks on the menu. Instead, portfolio managers increasingly suggest emerging-market bonds as a viable alternative for investors ? Where the Sweet Spots Are in Stocks and Bonds Right Now WSJ.com If Wall Street is a struggle between fear and greed, both sides seemed plenty crowded this past week. The fearful, eyeing political turmoil and deep fiscal woes in Greece, snapped up 10-year Treasury notes with yields as low as 1.70%, near ? Give a Graduate the Gift of Becoming an Investor WSJ.com If you want to give a high-school or college graduate a gift with a big financial impact, go beyond writing a check. Giving the gift of investing?with individual stocks, bonds or investment accounts and even some financial planning?will help ? 3 income-focused ETFs for the yield hungry; Commentary: New funds turn to MLPs, REITs, other alternatives MarketWatch NEW YORK (MarketWatch) ? Investors? hunger for income, which has driven billions of dollars of assets into dividend-focused funds, is now bringing forth a new investment product: multi-asset-class income vehicles. Don?t Bank On It; Leveraged loans and managed futures offer opportunities, but beware risks WSJ.com Q: How can one invest in bank loans ? Are there mutual funds or ETFs that invest in the area? A: As the economy improves, investors have shifted to riskier investments, such as stocks and junk bonds. Lately, more have taken an interest in ? Here?s how to take control of your 401(k); The funds in your 401(k) may yield only about 2% MarketWatch This may surprise you, but there?s a good chance you can take direct control of your nest egg at work, choosing investments beyond the two dozen or so mutual funds that most employers offer in their savings plans. Doing so can be risky, but ? New fund categories are not automatic buys; Commentary: Research firms provide data, not investment tips MarketWatch BOSTON (MarketWatch) ? Well over a decade ago, I got a note from an investor who said he did not understand how average investors were supposed to keep up with ?recommended behavior for fund investors.? On ?General Obligation? Munis, Investors Advise Caution WSJ.com When Jefferson County, Ala., defaulted on some municipal bonds last month, investors may have been surprised to learn that the county lacked the authority to fulfill the most basic obligation of its ?general obligation? debt: It didn?t have ? When Investing, Try Thinking Outside the Box WSJ.com Sometimes it pays to look beyond the obvious when it comes to investing. That means adding some exotic investments to a portfolio laden with blue-chip stocks and Treasury bonds. Think platinum and pipelines. Itchy Investors Ramp Up the Risk; With Rates Staying Low, Returns on Conservative Investments Don?t Cut It Anymore for Some WSJ.com Robert Marcotte can?t afford to play it safe anymore. With interest rates likely stuck near zero for nearly three more years, the 61-year-old retired telephone-company manager is about to ramp up his holdings of stocks and municipal ? Where to Find the Bargains WSJ.com Stocks and higher-yielding ?junk? bonds have surged so much in recent months that bargains are getting difficult to find. At the same time, safer investments such as Treasury bonds and high-grade corporate issues have meager ? Secure Alternative to Bonds; Secured loans have the potential to provide high-yield returns with the added benefit of peace of mind in a turbulent world WSJ.com Sovereign bond investors recently had to pay Germany for the privilege of lending to it. Yields on the safest non-sovereigns, investment grade corporate bonds, are setting new records in parsimony. So income investors looking for decent, ? This Week WSJ.com Stocks Surge Better-than-expected economic data caused investors to dump bonds in favor of riskier assets. The Dow Jones Industrials finished the week at 13232, up 2.4%, their best week since December, while the Nasdaq Composite rose 2.2% to ? In New Funds, Old Flaws WSJ.com Bad ideas can get investors into trouble. So can good ideas that morph into bad ones. Ever since they were introduced in the U.S. in 1993, exchange-traded funds?those bundles of stocks, bonds or other assets that offer the diversification of ? The New Bond Market WSJ.com Many investors, looking for better returns and a little safety, are loading up on corporate bonds, which have been far steadier than stocks during the market storms of the past few years. How to make portfolio diversification pay off; Commentary: Long-term investors find time is on their side MarketWatch NEW YORK (MarketWatch) ? Portfolio diversification is fairly straightforward. Different kinds of assets ? stocks and bonds, for example; maybe commodities and real estate as well ? lower volatility and deliver more consistent returns than ? Is ?Derisking? Even Riskier? WSJ.com When you ?derisk,? be sure you understand whether you are eradicating risk?or just replacing old risks with new ones. You have heard ad nauseam that investors have spent the past few years dumping U.S. stocks en masse for the ? Why Stocks Are Riskier Than You Think; Most people can get the money they need for retirement without gambling heavily on equities, say Zvi Bodie and Rachelle Taqqu WSJ.com A growing sense of urgency is driving many investors to take reckless risks with their money. Even though they experienced the hazards of stock ownership firsthand in 2008, investors are venturing back into equities again. They?ve been ? How Much Risk Can You Manage? WSJ.com In my last column, I outlined a new approach to managing investment risk that I summed up this way: Never gamble unless you can afford to lose. A Swan Song for the Bond Market?s Bull Run WSJ.com Is the bond bull market over? If so, how should investors adjust their portfolios? One of the most important reasons the U.S. economy and financial markets have stabilized since the financial crisis is that interest rates plunged. Thanks to ? IRAs Get Sexier; Disillusioned With Returns on Conventional Investments, IRA Owners Are Turning to Private Equity, Condominiums, Farmland and Other Alternatives. Here?s What You Need to Know WSJ.com Presidential candidate Mitt Romney has gotten lots of attention for holding as much as $100 million in his individual retirement account. Less well known is that the account is also chockablock with complex private partnerships rather than ? Watch Out! These Municipal Bonds Come With a Bit of a Kick WSJ.com With high-grade municipal bonds offering meager yields, investors seeking an income jolt are embracing a slightly more exotic product known as ?kicker? bonds. Why an End to Paper Savings Bonds? WSJ.com Q: For the past 25 years, we have purchased $50 savings bonds for our children and grandchildren for their birthdays. The government has changed the rules and the bonds can only be purchased online. Why would the government do this? Do they ? Subscriber Content Read Preview Limited Demand for Superlong U.K. Bonds WSJ.com LONDON?The U.K. government is looking to take advantage of its haven status by issuing perpetual bonds for the first time since the World War I, but tepid demand from pension funds could undo those plans. Why Stocks Look Too Pricey; Various Indicators Suggest the Market Is No Longer a Bargain WSJ.com After a six-month rally, U.S. stocks are getting pricier. Experts say investors should exercise caution. The Standard & Poor?s 500-stock index gained 12% during the first three months of 2012, the best start to the year since 1998. After ? Subscriber Content Read Preview Bond King?s Trade Pays Off; Pimco?s Bill Gross Wins With Bet on Mortgage Debt; Rebound from Rough 2011 WSJ.com The bond king might be making a comeback. After suffering one of his worst performances ever in 2011, over the past three months, Bill Gross, manager of Pacific Investment Management Co.?s Total Return Fund, rode an aggressive bet on ? Subscriber Content Read Preview Investors Put Cash in Mutual Funds WSJ.com Long-term mutual funds had estimated net inflows of $8 billion in the latest week, as investors continued to add money to bonds and hybrid funds, offsetting withdrawals from equities, according to the Investment Company Institute. Euro-Zone Debt?Not All Toxic; Opportunities abound for investors prepared to take a punt on corporate bonds WSJ.com Against what would appear to be insurmountable odds, and in the midst of a once-in-a-generation sovereign-debt debacle, the European corporate bond market is thriving. And according to industry experts, that is not at all surprising. Why Munis Are Worth a Look WSJ.com Municipal bonds faced two key tests this past week?and came out looking sturdy. The first was a spike in Italian government bond yields that culminated Wednesday with a global flight from risky assets. Muni prices rose, a sign that investors ? Safe at Home? Not in a 401(k) WSJ.com How will 401(k) investors react to the latest blast of volatility in the markets? If the recent past is any guide, they will retreat into the apparent safety of cash, Treasury bonds and ?stable value? mutual funds. Better Ways to Fight Inflation WSJ.com With the economy growing slowly and commodity prices well off their recent highs, inflation wouldn?t seem to be an imminent threat. Yet investors are piling into inflation-protected bonds. 2011 Perfomance of Long-term Bond ETFs WSJ.com Long-term bond ETFs tend to move opposite stocks. All of the ETFs in the table below have an average duration of more than 10 years. Duration, measured in years, is used to determine a bond or bond fund?s interest rate sensitivity by ? Balanced Funds Tilt Toward Stocks, While Investors Want to Scale Back WSJ.com While individual investors have been fleeing the stock market for months, some fund managers have been pushing them right back in. Among fund managers with the flexibility to invest in a mix of stocks, bonds and other assets, the trend has ? A Brighter Outlook for Muni Bonds WSJ.com Municipal bonds have had a rebirth since getting pummeled earlier this year, and the recent tumult in the financial markets has rekindled interest in an investment class with a tradition of safety. Altria?s Gains Could Go Up in Smoke WSJ.com Altria Group, parent company of Philip Morris USA and its best-selling Marlboro cigarettes, has more than lived up to its reputation as a defensive investment?providing investors with stable returns and, importantly, a dividend yield of ? Ohio State University Prices ?Century? Bond WSJ.com NEW YORK?Ohio State University sold $500 million worth of 100-year bonds late Wednesday, becoming the first public university to issue a so-called ?century? bond. Big Year for Bond ETFs Could End With a Visit from the Tax Man WSJ.com Investors in one of Main Street?s hottest investment products may get an unexpected parcel this holiday season?a tax bill. Exchange-traded funds, which are baskets of securities that follow an asset class or sector, have been a hit for ? Next; Scams Target ?Self-Directed? IRAs WSJ.com As investors are putting their retirement savings into so-called self-directed individual retirement accounts, complaints about fraud in these accounts are on the rise, securities regulators say, and investors should carefully consider the ? The Rally That Wouldn?t Die! Treasury Bonds Have Been on a 30-Year Tear. Whether or Not the Party Can Last Is Beside the Point?There Are Far Better Places to Put Your Money WSJ.com At least one fear gauge shows that investors were more scared in 2011 than in the dark days of 2008. According to investment-research firm Morningstar, a portfolio of U.S. Treasurys with an average maturity of 20 years?the quintessential ? Subscriber Content Read Preview Bond-Fund Stars Fall as Bets Backfire, but They Fight On WSJ.com It?s been a tough year for bond-fund stars. Longtime outperformers in mutual-fund rankings Dan Fuss, co-portfolio manager of the Loomis Sayles Bond Fund at Loomis Sayles & Co, and Michael Hasenstab, portfolio manager of Templeton ? Subscriber Content Read Preview Mutual Funds Draw In More Investor Deposits WSJ.com Long-term mutual funds had estimated buying of $7.31 billion in the latest week. That represented significant investment in bonds and foreign equity funds, which offset outflows from domestic equities, according to the Investment Company ? Getting the Most From a Lame 401(k) Retirement Plan WSJ.com It isn?t easy picking investments when quality bonds offer meager yields, stocks seem bipolar and the richest economies are struggling to expand. But many 401(k) investors face an added challenge: choosing from a mutual-fund menu that ? Caging Raging Contagion WSJ.com Is there no end to the contagion? This week, as the Italian government and Italian bonds collapsed over fears the country can?t control its debt, everything else fell, too. Of the 45 national stock markets in the MSCI All Country World ? Subscriber Content Read Preview Why Your Bond Funds Probably Aren?t Worth their Fat Fees WSJ.com One bond king?s recent stumble gives investors reason to question the outsize fees many are paying to mutual-fund managers?and to consider some new alternatives. Investors Favor Funds With a Focus on Bonds WSJ.com Money exited from long-term mutual funds for the third consecutive week, as investors pulled cash from equities and added to bonds and hybrid funds, according to estimates from the Investment Company Institute. What Price Stable Returns? WSJ.com Stable is nice, but it isn?t perfect. Investors in ?stable-value funds,? which are bundles of bonds tied together with an insurance policy within a 401(k) retirement plan, have fared remarkably well in recent years. But rising ? Subscriber Content Read Preview Mutual Funds Pull in Cash WSJ.com Investors put a net $823 million into long-term mutual funds in the latest week, as increases in bonds and hybrid funds more than offset continued withdrawals from equities, according to the Investment Company Institute. When Funds Lend Stock, Who Gains? WSJ.com You wouldn?t want to make a loan to someone without knowing what you will earn on the loan. But if you own mutual funds or exchange-traded funds, you might be doing exactly that. For the Best Bond Deals, Look to the Emerging Markets WSJ.com Emerging-market bonds might appeal to the aggressive and the timid alike. The aggressive will like the 6.5% yield on the J.P. Morgan Emerging Market Bond Index. That?s triple what investors get from 10-year government bonds issued by ? Subscriber Content Read Preview Not Dead Yet: What to Do With Your Bets on Rising Rates WSJ.com So you bet on rising rates. You loaded up on high-yield bonds, leveraged loans and short-term Treasurys in the belief that the U.S. economy was recovering fast enough for the Federal Reserve to consider raising interest rates sooner rather ? Subscriber Content Read Preview Those Safe Havens You?ve Been Flocking to Aren?t So Safe WSJ.com It?s time for a flight from safety. The recent market maelstrom has sent investors fleeing to traditional safe havens such as Treasury bonds, recession-resistant stocks, Swiss francs and gold. Home Builder Stuck in the Basement WSJ.com The nation?s housing market has lately been showing signs of life, and investors have bid up home builders? stocks by an average of nearly 50% over the past three months. But in the case of Hovnanian Enterprises (HOV), which is up ? Little Relief for Income Investors WSJ.com The latest bout of turmoil in the financial markets is a fresh headache for retirees relying on their savings to make ends meet. That?s especially the case for the many older investors who have ventured into riskier stocks and bonds in ? Is that Gold?s Glitter or Your Brain?s Tricks? WSJ.com If you are a gold investor, you?re probably quite pleased with yourself right now. It?s been one of the best-performing investments this year. A High-Rate Deadline Looms WSJ.com The window is closing a bit further on one of the best deals for savers. Beginning Jan. 1, individuals will be able to buy only $5,000 in I Savings Bonds a year, down from $10,000 today?making it tougher to hold one of the last risk-free ? Muni Bonds Seem Poised for Pain WSJ.com Municipal bonds have been one of the top-performing asset classes in 2011. But the rally might not last much longer, advisers and strategists say. What Worked in 2011? and What Didn?t WSJ.com A year ago, many experts said to avoid U.S. bonds, hold ample cash and stick with foreign stocks. Those turned out to be among the worst moves of a surprising investing year. What to look for in a dividend mutual fund; Commentary: Income from funds is trickier than from stocks MarketWatch BOSTON (MarketWatch) ? Conventional investment wisdom for at least the last half century has been simple: Use stocks for growth and bonds for income. Divorce: Who Wants the House? WSJ.com A volatile relationship may trigger a divorce. But volatile financial markets are playing a big role in the way couples split their assets. While their lawyers spar, a couple?s retirement savings and other assets?cash, businesses, ? Non-traded REIT is a non-starter; Commentary: Illiquid real estate play is the Stupid Investment of the Week MarketWatch SAN FRANCISCO (MarketWatch) ? Every investment conference seems to have a magic word that reflects a broad, buzzing theme. At the Schwab IMPACT Conference in San Francisco this week, the magic word was ?alternative? ? which means that the ? The Federal Reserve Says, ?Let?s Do the Twist? WSJ.com The Federal Reserve?s latest move, known as Operation Twist, will involve selling $400 billion worth of its short-dated bonds and using those proceeds to purchase longer-term Treasurys. Crummey Trusts Still Smart, Say Advisers WSJ.com There?s nothing crummy about a Crummey trust?even in a period of higher exemptions for estate and gift taxes. The trusts, which got their name from a Methodist minister who won a fight with the Internal Revenue Service in the 1960s, are ? Subscriber Content Read Preview Pimco?s Gross Has ?Lost Sleep? Over Bad Bets WSJ.com In recent weeks, Pacific Investment Management Co. founder Bill Gross says he has ?lost sleep? over an ill-timed bet on Treasurys. Beware of the Bond-Market Bubble. Again. WSJ.com Spooked by stocks and unfazed by the recent downgrade of U.S. debt, investors have turned to Treasurys as a safe haven. But are their moves inflating the risks in the broader bond market? Options for Nervous Investors WSJ.com Stocks have generated more worry than gains this year?and for more than a decade. Yet slim yields on bonds and savings give stockholders little enticement to sell. ?Go-Anywhere? Funds Struggle To Read the Economic Road Signs WSJ.com They were supposed to be the ultimate weapon for turbulent times: mutual funds with the freedom to buy any assets they want, anywhere in the world. But as investors have flocked to so-called go-anywhere funds this year, many have gone ? Bond Bets Paid Off WSJ.com Last year saw better returns for bonds than for stocks on average?and that shaped the comparative performance of target-date funds for retirement. Find Solid Stocks in a Wild Market WSJ.com It isn?t easy buying stocks after the market craters, as it has recently. But the market has rarely looked so appealing in recent decades. Subscriber Content Read Preview Vanguard Bond Index Fund Beats Stars Bill Gross, Dan Fuss WSJ.com Investors are getting juicier returns this year putting their money into a bond index fund instead of tapping the brains of many high-profile fund managers. Savings Bond Goes Digital WSJ.com Grandma?s gift of choice is going digital. Most paper forms of Series EE and I savings bonds won?t be available for purchase after Dec. 31. The bonds will instead be issued in digital form through TreasuryDirect.gov. You can get a ? Why Buying Treasurys Isn?t As Crazy as It Might Seem WSJ.com Treasury bonds are dead. Long live Treasury bonds! Moody?s Investors Service and Standard & Poor?s this week said they might downgrade the credit rating of the U.S. if Congress doesn?t raise the debt ceiling soon?a move ? Muni-Tax Break Under Siege; A Senate Bill Seeks to Bar Municipal Borrowers From Issuing Tax-Exempt Bonds SmartMoney.com The tax break for municipal-bond investors, a cornerstone of the $2.9 trillion market for bonds sold by cities and states, is under fire in Washington. Forget About Black Swans, the One Floating Ahead is Neon WSJ.com You?ve heard of black swans?events that are unthinkably rare, immensely important, and as unpredictable in advance as they are inevitable in hindsight. Now, with no one ruling out a default or downgrade of U.S. Treasury debt, investors ? The Asset-Allocation Fallacy WSJ.com A time-honored investment adage is that your asset allocation should mirror your age: 60/40 stocks and bonds at age 40; 50/50 at 50; 40/60 at 60 and so on. An entire industry of so-called target-date funds has risen in recent years to help ? Defense! Five Mutual Funds for Bad?and Good?Times WSJ.com It?s often said that the best defense is a good offense. Unfortunately, when it comes to mutual funds, many have developed an unpleasant reputation for not protecting shareholders in tough times. Bond Markets Are Growing Riskier SmartMoney.com Bond markets are growing riskier as investors seeking steady returns bid up prices and ignore some early warning signs similar to those that flashed during the credit bubble. Stocks: More Room to Rally WSJ.com The trading pattern that has dominated the markets for the past year could be breaking down?and that could spell opportunity for investors. After a disappointing payrolls report on Friday morning, investors poured out of stocks and into the ? 3 Stocks With Impressive Returns on Capital SmartMoney.com Finance officers will attest that one key to corporate greatness lies in a pair of acronyms: ROIC and WACC. ROIC is return on invested capital. It?s the profit a company produces in a year as a percentage of the money investors have ? Unwitting Angels: When Fund Investors Become Bankers WSJ.com With the debt markets in turmoil, where will the money come from to bail out troubled borrowers? If you?re a mutual-fund investor, look in the mirror: The next bailout might come from you. How to Protect Yourself Against Currency Risk SmartMoney.com BOSTON (MarketWatch) ? The world is hyperventilating over inflation and municipal bonds right now. And with good reason. But there?s another issue that has analysts in the investment world putting finger to keyboard. And that would be ? You Need a Plan to Boost Retirement Income WSJ.com Generating the most income in the safest fashion from a nest egg is the holy grail of retirement income planning. You obviously want your dollars to stretch as far as possible without taking on much risk. In Search for Safety, a New Risk SmartMoney.com Federal Bonds, once a bastion of safety for the risk-averse, are now becoming more of a risk themselves. With yields at an all-time low and bond prices expected to rise even further, some experts are crying ?Bubble? ? especially ? Crystal Ball; What?s ahead for the yield on 30-year Treasury bonds? WSJ.com Send your prediction to crystalball@wsj.com by midnight EDT Sunday, with your full name, city, state and phone number. The first reader who gets it right will be named in next Saturday?s paper. Scary Investments?That Work SmartMoney.com Robert Hort is 64, an age when many investors start to slow down a bit?at least when it comes to where they put their money. Bonds begin to look more appealing than stocks, and cash looks like a safer bet than bonds. So where is Hort, a ? The Debt Crisis: If Treasury Bonds Aren?t Safe, What Is? WSJ.com How can you lower your portfolio?s risk in a world of rolling government-debt crises? Start by taking a deep breath. Then, see if you need to do some tinkering?but not too much. Analyst?s $125,000 Muni Warning Yields Backlash SmartMoney.com State and local government bonds have broadly fallen in price since late September, when celebrity analyst Meredith Whitney began publicizing a 600-page report predicting widespread defaults and a new financial crisis. Whitney recently told ? ? ? Video Results ( of ) Dow Soars to End Above 13000 4:54 Probing Mental Illness to Explain S? 3:52 For Food Prices, It?s the Bad and t? 2:54 Stock Futures Edge Higher; U.S. GDP? 3:19 MarketWatch Week Ahead: Federal Res? 2:25 Europe?s Anti-Trust Czar Sets Out R? 3:04 What Can Beijing Learn from the Flo? 4:46 Bundesbank Opposed to ECB Bond Purc? 4:46 Dow Surges 211 Points 6:37 Stocks Soar on Upbeat Europe Commen? 2:26 Bodies Built for Gold 3:58 ECB?s Draghi Boosts Markets With Eu? 6:24 Mario Draghi Comments Lift Stocks 4:27 Mitt Romney Questions Olympic Readi? 4:24 Did North Korea?s First Lady Visit ? 6:05 prev next INVESTOR CENTER MARKETS: DOW NASDAQ S&P 500 WATCHLIST PORTFOLIO MOST WATCHED POP-OUT Portfolio: Edit?|?View?|?New TODAY COLLAPSE YOUR PORTFOLIO RESEARCH STOCKS & FUNDS Enter a Ticker Symbol RECEIVE STOCK ALERTSSTOCK SCREENER MAP OF THE MARKET LIST VIEW COLLAPSE MAP OF THE MARKET LOADING? SEE MORE TOOLS Buzz Box Most Popular // Emailed 1 When IRA Rollovers Go Wrong 2 For 401(k)s, Size Matters 3 10 kye news Food Trucks Won?t Say 4 Want to Save Money? Move Downtown 5 Retire Here, Not There: Alabama 1 When IRA Rollovers Go Wrong 2 Retire Here, Not There: Alabama 3 10 kye news Food Trucks Won?t Say 4 For 401(k)s, Size Matters 5 Online Help to Maximize Social Security Payments tools Subscriber Tool Stock Screener Screen over 7,000 stocks using more than 100 different variables. Portfolio Tracker Track your own buys and sells See More Tools How-To Guides How to Find a Good Financial Adviser Ask the right questions before you hand over your money How to Create an Investment Portfolio A balanced portfolio can have a bigger impact on long-term performance than individual stock picking How to Invest for Retirement Investing for retirement is more complicated than opening an IRA or maxing out your 401(k) How to Choose a Stock Mutual Fund When choosing a stock mutual fund, consider performance, manager track record and cost before investing. How to Invest in a CD Even in times of interest rate uncertainty, a certificate of deposit (CD) can still be part of your cash strategy. Partner Center Find a Broker?>> From the Magazine SmartMoney Magazine I Love My Real Estate Broker Americans love critiquing services online, but when it comes to rating real estate agents, few reliable forums exist. How brokers are evading scrutiny. Investing with the Anti-Wall Street Crowd Far away from Wall Street, a revolution is brewing in the financial-advice industry. 10 kye news10 kye news the Olympics Won?t Tell You The winners and losers in this high-stakes competition for international attention. Euro on the Brink Investors worried about a U.S. stock slowdown have another scare: the euro. A few options if the currency collapses. Read More Read More Read More Read More Also The Case for European Blue Chips Perfect Portfolios: Your Next Move in This Market Designer Donuts? Why Cheap Treats Are Going Upscale Boomers Buoy Water-Sports Market ETFs That Imitate Mutual Funds Are Imperfect Copies SmartMoney Twitter Facebook RSS Account Services: SmartMoney.com Select Billing Info Help & Information Center: Customer Service Contact Us Technical Support About: News and Tools Licensing Advertising Advertise Locally About Dow Jones Privacy Policy ? 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All Rights Reserved Intraday Data provided by SIX Telekurs and subject to terms of use. Historical and current end-of-day data provided by SIX Telekurs. Fundamental Data provided by Factset. Mutual Fund and ETF Data provided by Lipper. Intraday data delayed per exchange requirements. Dow Jones Indexes (SM) from Dow Jones & Company, Inc. All quotes are in local exchange time. Real time last sale data provided by NASDAQ only. Comprehensive quotes and volume reflect trading in all markets and are delayed at least 15 minutes. Mutual Fund and ETF NAVs are as of previous day?s close. Your Opinion Counts! You?ve been randomly selected to participate in an online survey. Your answers will be strictly used for research purposes. Respondents who complete this survey will be entered into a drawing to win one (1) of ten (10) Amazon Gift Cards, valued at $100 each.

Source: http://www.pointinsight.net/2012/07/29/kye-news/

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Insightful Information on List of Realtors | Maltrato Cero

In case your organization offers real estate business making cards services, you need to start advertising them properly. The easiest way to guarantee a successful marketing campaign is sending emails to all those people who?re interested in the service which your employees are accountable to provide. This procedure is called targeted e-mail marketing. On your case, you need to start sending e-mails to a list of realtors as they?re basically the sole ones who will be considering purchasing from your firm a real estate business card. However, your company may not be specializing in generating business cards. Don?t be concerned if it is your state. Utilizing a list of real estate agents you can advertise any products related to this particular industry beginning from desk plates that say the name of the agent and finishing with pens, brochures, mortgage calculators or perhaps key tags. Each and every real estate agent needs a pen as well as an intelligently created brochure which includes a list of prices as well as his past sales. You may even advertise a service which enables realtors produce a wonderful resume or portfolio.

List Of RealtorsIf you wish to sell your house or any other property, real estate agent can be the most reliable source. Simply real estate agents can offer you the latest news and information concerning the costs of the property with financing and other conditions. The real estate agents used to purchasing the property from you and sell them to some other real estate agents as well as to the general public. You will definitely get 100 % proof housing information and facts coming from the real estate agents. Because of this, getting the list of real estate agents will have a vital role in your job of selling any specific property. It will likely be the best offer so you can collect and update your list of realtors if you would like to sell your house or any property securely. These are the only individuals whom you can trust for selling your home or property.

Precisely why people need the list of the real estate agents close by of their house? Basically, it?s favored by most of the people to gather and also update the list of realtors so that they can avoid any sort of troubles. Real estate businessmen are the individuals who will serve you an excellent service in the area of selling your property securely. At times, many people sell their property to those people who never pay them fully or spend a lot of time to pay. However, if you contract with a real estate agent, you will get the safety that you will get the whole payment from the buyer. Therefore, if you don?t have the list of the agents of your city, there?ll be a bit chance to encounter issues. So, if you feel that you should sell your house, you?ll collect and put all of the names of the real estate agents on a list.

It?s very important for any person to get the list of real estate agents of their very own country so that they can find a person to sell their own property. The people who work with this sort of business are called realtor. Individuals always do the job in behalf of you to help you to sell your property. Actually they work for you so as to make the job easy and simple. They will make a connection with the property purchaser. They?ll make all of the significant things like law of agency, issues of your property paper and so on. They will provide you with a great purchaser for your property so you can sell your property without difficulty with any need of facing any trouble. Real estate agents will work all the things to give you a perfect buyer. Because of this, you?ll need the list of realtors of your city if you?ll sell your property. If you have the list, you will not face any problem to contract with the very best real estate agent for selling your property.

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Source: http://maltratocero.com/insightful-information-on-list-of-realtors/

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Uwe E. Reinhardt: Taiwan's Progress on Health Care - NYTimes.com

Uwe E. Reinhardt is an economics professor at Princeton. He has some financial interests in the health care field.

Several years ago I wrote ?Humbled in Taiwan,? a commentary for The British Medical Journal.

The piece was prompted by a conversation between a health services researcher and the head of health information technology of Taiwan?s Bureau of National Health Insurance, which administers Taiwan?s single-payer national health insurance system. By that time, virtually all of Taiwan?s claims were billed electronically.

In that conversation, the bureau?s head of health information technology lamented that some hospitals and physicians in Taiwan still failed to submit fully completed claims forms for encounters with patients within 24 hours of the encounter.

Twenty-four hours?

In the United States, claims settlement for medical procedures under private health insurance can take up to three months; it takes about three weeks for Medicare. As I noted in my commentary for The British Medical Journal, ?private health insurance companies in the United States count themselves lucky if high-priced actuaries can tell them in the middle of the year what the carrier ultimately will have to pay the providers of health care for services rendered in the previous year.?

Since 1995, Taiwan?s 23 million people have enjoyed universal, comprehensive health insurance coverage under its single-payer national health insurance system, which is financed by a mixture of payroll contributions from employers and employees and government subsidies.

The system is administered by the Bureau of National Health Insurance, whose administrative budget absorbs less than 2 percent of the system?s total spending for health care benefits. Over all, Taiwan spends about 6.9 percent of its gross domestic product on health care, compared with close to 18 percent spent in the United States. (More detail on the genesis of the system and its modus operandi can be found in this article in Health Affairs and on the bureau?s Web site.)

About two weeks ago, I attended the Europe-Taiwan Health Dialogue, held in Taipei. That two-day conference was sponsored jointly by Taiwan?s Department of Health and the European Health Forum Gastein, whose European Health Forums are among the leading platforms for discussions on health policy and are attended by participants from around the world. (My travel to the conference, to which I was invited as an academic expert, was underwritten by the Department of Health.)

As an American, I found myself humbled again by a presentation, ?Information Technology and Patient-Centered Care ? the Case of Taiwan,? delivered by Dr. Min-Huei Hsu, director of the Medical Informatics Center of Taiwan?s Department of Health.

Dr. Hsu?s presentation brought to my mind a chapter on health information, which, as chairman of the New Jersey Commission on Rationalizing Health Care Resources, I wrote for the final report published in January 2008. In that chapter I sketched out the vision for a 21st-century health information system for New Jersey that had emerged from discussion among the commissioners.

Alas, more often than not, the work of such commissions amounts to howling into the wind in our latitudes. It certainly did in that case.

But, in Taiwan, I saw much of such a system in place and fully operating, and mused how long it might take New Jersey, and much of America, for that matter, to come this far.

In Taiwan, the Department of Health, the very active Bureau of Health Promotion, the Centers for Disease Control and other governmental administrative functions are linked in a network that allows a select set of professionals access to its database, under strict controls to secure privacy. Clinics, hospitals and pharmacies are also linked to this central database.

Among other things, this data system allows the guardians of public health to detect quickly the incidence of certain illness that may be infectious, such as severe acute respiratory syndrome, or SARS.

Now in its third year is a clinical interface among health care facilities that already includes half of Taiwan?s 500 hospitals. By 2016, all Taiwan?s hospitals and 20,000 clinics where physicians practices are to be on this electronic medical record system.

This data system allows physicians in one hospital or clinic to get access to an individual patient?s medical record, but only under strict conditions of privacy. The record includes hospital discharge summaries and medical records from outpatient visits, including prescriptions, lab tests and digital images. Such data-sharing among clinicians in different health care facilities or systems is rare in the United States. Again, roughly half of Taiwan?s 500 hospitals are already linked in this way, in the system?s third year.

To access a patient?s file requires that the physician has an authorized digital signature to do so and, more important, that the patient has swiped his or her own, personal electronic smart card through the specialized card reader on every physician?s desk, thus authorizing the access.

That card reader has slots for both the patient?s and the physician?s electronic smart card. It links patient and physician directly to the data center of the Bureau of National Health Insurance at the very time the encounter takes place. Thus it allows the bureau to track health care use virtually in real time and also to monitor the behavior of patients given to excessive doctor shopping.

Touring a rural area, we saw mobile clinics on wheels, equipped with imaging devices (mammography scanners, sonar scanners and X-ray machines) for general check-ups of rural populations in remote areas. In front of the mobile clinics sat young technicians with laptops, linking to the Bureau of National Health Insurance data center both patients and physicians, with the latter also having access to the patients? medical records.

The information network also includes electronic kiosks in hospital lobbies; about half of Taiwan?s hospitals now feature such kiosks. Using a secure identification card, a patient can make an appointment with a doctor or review her own medical record, including results from tests or scans. To find more about what the test results might indicate, she could use electronic links to explanations. Finally, since all medicines are bar-coded, she might consult the kiosk about the specifics of drugs prescribed for her.

Currently in the field are pilot studies for a national tele-health project for long-term care.

I am sure that there are pockets here and there in the United States with similarly advanced health information technology. Kaiser Permanante, for example, is bound to be as advanced and perhaps even more so. The Veterans Administration is known for its electronic health information system. Some larger health systems and academic health centers may also have highly developed intra-system information systems.

But I wonder how many Americans today can walk up to a multifunction kiosk, find their own medical records, make appointments with doctors and learn there about lab tests and prescription drugs. I wonder how many American doctors today can reach their patients? complete medical records across different health care facilities and systems.

I do not want to romanticize Taiwan health care. Like any health system, it has its share of problems, all the more so because, at only 6.7 percent of G.D.P., the system is underfunded by at least a percentage point or so, using international standards.

I also am persuaded that Taiwan needs a larger supply of doctors. Nor would even Taiwan?s health experts assert that their health information system is perfect. It remains a work in progress.

But a national health system must be judged not only by the level of health care it delivers, but by what it offers its citizens for the money they spend on it ? by its cost-effectiveness, in professional jargon.

In the United States, the Business Roundtable concluded in a 2010 study that given its high level of spending on health care, the American system shows a 23 percent value gap relative to what Europeans spend and get in return, and a 46 percent value gap relative to spending in Asian countries, including Taiwan, Japan, South Korea and Singapore.

At its best, the American health system probably is unrivaled in the world, staffed by highly trained and hard-working doctors and nurses. For the most part, it boasts luxurious health care facilities.

Oddly and sadly, however, the United States has yet to harvest the full benefits of modern electronic health information. Our nation?s engineers and entrepreneurs design smart hardware and software for health care, but we do not seem to use our own products as smartly as do many other countries.

Source: http://economix.blogs.nytimes.com/2012/07/27/taiwans-progress-on-health-care/

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Rousey, Kaufman, Carano ? The World According to Munah

In case you were wondering, female mixed martial arts is still very much alive and kicking.? The latest installment of the Invicta Fighting Championships is this Saturday night, and in August, Strikeforce returns to Showtime with a main event that will feature champ Ronda Rousey attempting to remove challenger Sarah Kaufman's arm in the most painful, non-surgical way possible.? Yep.? Wimmins.? They be fightin'.? So in the spirit of all this impending violence perpetrated by the fairer sex, Cagewriter tracked down 125-pound female fighter Munah Holland, who knocked out Strikeforce veteran Carina Damm two weeks ago at Matrix Fights (a regional show in Philadelphia) to get her perspective on things.? She is, after all, on the front lines.

Things to know about Holland: she's a product of the Tiger Schulmann MMA system, and manages one of the organization's gyms in New Jersey.? In 2004, she won the prestigious Golden Gloves amateur boxing tournament, transitioned to professional fighting with Chuck Norris' ill-fated kickboxing promotion the World Combat League, and now fights in the cage, shimmying out of the clutches of Brazilian Jiu-Jitsu black belts and feeding them knuckles until they fall.? ?In her MMA debut, Holland brutalized Kim Couture for three rounds; more recently, she's KO'd top New England fighter Marianna Kheyfets in Bellator and put away Damm.?

That's Holland.? Here's what she had to say about some of her fellow fighters:

On Strikeforce bantamweight champ Ronda Rousey - "Ronda is, I would say, this deliciously deadly, amazing person.? She has something that, when I watch her fight, is incredibly contained, and at the same time, explosive.? It's really fun to watch, and her ground game is sick.? She is definitely a force to be reckoned with, no matter her opponent in front of her.? I can't wait for the upcoming fight between her and Sarah Kaufman ? I think that's going to be a great fight."

On top Strikeforce bantamweight challenger and former champ Sarah Kaufman - "I've watched Sarah for a long time, because as a female martial artist, she was one of the girls I knew about first.? She's got really, really powerful hands ? like, lead in her hands.? She's very dangerous.? She's constantly evolving? got a lot of heart, and like Ronda, she's a force to be reckoned with.? And Sarah has some very good wrestling, so it's going to be interesting, because if Sarah can maintain her wrestling defense and use her hands and use her range, it could be a really interesting fight.? If it stays standing, Sarah can do some damage with her hands.? We haven't really seen Ronda's chin, we don't know how much damage it can take."? Her prediction for the August 18 Strikeforce title fight?? "If it stays standing, Sarah's going to have the advantage.? If it goes to the ground, my gut says Ronda."

On former Strikeforce bantamweight champ Miesha Tate - "I love Miesha.? I once said this out loud and people heard me, but if you have a bum that looks like Miesha's, you've got to plaster it everywhere.? She's beautiful, she's tough as nails.? And that fight with Ronda, that was sick."

On former Strikeforce featherweight champ Gina Carano - "Gina, I think, has done a world of good for female fighting in general.? She's chosen her own path, and gone the way she feels where her future lies.? You have to do whatever it is you have to do in this world to have a life and a good living, but I thank her for exposing female martial artists to the world, and making it important for people to watch and making it exciting for people to watch, and proving that, regardless of whether it's females or males, it's just a great sport to watch.? She proved that the numbers can be there, that the seats can be filled for female mixed martial artists just as they can for men."

On former Strikeforce featherweight champ Cris "Cyborg" Santos ? "Cyborg would scare most grown men away in the cage.? The first time I saw Cris Cyborg, I was like, 'Uh, this woman is just frightening.'? And frightening in a good way.? What a beast.? What a beast of mass proportions.? This girl? frightening strength, amazing ability coming from Chute Boxe, can really take so much.? She's just like a pitbull.? She's just going to keep on coming and keep on coming."

On female MMA pioneer Tara LaRosa - "Long before Gina or Cyborg came into the picture, you'd hear about Tara just making her way through one person after another in the circuit ? especially in New Jersey, where she's got a lot of fans.? For me, she was definitely an inspiration.? We can do it, we can do it really well and with a lot of class."

On hoping to fight in the UFC one day - "Oh yeah.? Some little girls want to grow up and wear pink slippers, but for me, the thought of being in the UFC?? I hope it gets to that point for women, I hope it gets to that point in my MMA lifetime.? We can only hope for that.? Who wouldn't want to be in that arena?"

On Dana White reconsidering his stance on not allowing women in the UFC's Octagon - "I don't know any woman who wouldn't want to see women in the UFC, and I hope Dana White considers that at some point.? Because we'll bring the crowds, we'll fill the seats, and people really enjoy watching it."

?

Jim Genia tweets here and wrote this book.? So what?

Source: http://sports.yahoo.com/blogs/mma-cagewriter/rousey-kaufman-carano-world-according-munah-164618016--mma.html

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Mountain Biking Is An Excellent Form of Recreation and Sport | The ...

Mtn biking is a recreational sport wherein riders ride bicycles off-road on tough terrains. The bicycles used for these sports activity is specifically manufactured to suit these kind of terrains which are generally rough and patchy. Such bikes are well-knownly known as mntain bikes. These mtn bikes are especially suitable for these kinds of environments. These varieties of bikes look very similar to any other bike, but they are fitted with particular features to boost and improve the ride, consolation and most importantly performance on such terrains.

Terrain biking are of different categories such as mongrel country, dirt jumping and trails to name a few. The most well-known forms of mntain biking is the recreational and trail using categories. One can perform mtn biking anywhere like on country back rds, off-road trails, zigzag streets through forests, on hills or mntains, fields and on trails. given that mtn biking involves travelling on your own and most of the time being away from the civilization, the rider needs to be self-reliant in the activity. The rider is necessary to carry a backpack and be equipped with essential items like water, instruments necessary for repairs, a first aid kit, and some emergency food packets in case of need arising from any unfortunate incident like injuries. mtn biking through clubs or in teams is very common on long treks. This game has gained in favoredity after the year 1990 and is recognized as a form of recreational sport.

Some of the equipments one needs for mtn biking are, a good bike uniquely made for performance on terrains which are tough. They have selected distinctive features like dual suspension, wider tires, and flat and raised require for consolationable using posture giving good control for the rider. These make of bikes come fitted with disc brakes and gears to assist in climbing hills which are steep and journey through bumpy surfaces. Due to these exclusive capabilities such bikes are heavier as compared to the regular tour bicycles. A rider also needs to carry particular accessories like helmets, gloves, first aid kit, GPS device, pumps to fill flat tires, a good shoe, instruments for the bike etc.

cross-breed country is the most preferred form of off-road biking all over the earth. This involves journeyling from one point to another involving some climbs and descents on different forms of terrains. Trails involve jumping the bikes over obstacles without the rider?s foot touching the land. It is generally performed off-road and demands good balance from the rider. just about every single hobby has its risks and mountain biking also involves some risks. Without the use of any protective gears a rider can be susceptible to minor as well as some serious accidents to head or spine especifically in downhill biking. With a protective gear one can avoid such serious accidents.

Australia has some excellent terrain biking tours which are eco certified, these tours come with guides for every kind of biking knowledge be it the rainforest tours or the coastal tours on bikes. They cater to all kinds of rider amateur as well as experienced. knowledge the adventures involved in mtn biking like any other activity and also enjoy dynamics at its best. Such form of biking is a great stress buster.

If you?re not scared of the truth, then you will be ok ? Go Mountain Cycling . If you want total advantage: then use Mountain Bikes.

Source: http://www.grovelandbuzz.com/2012/07/28/mountain-biking-is-an-excellent-form-of-recreation-and-sport/

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শুক্রবার, ২৭ জুলাই, ২০১২

Getting The Multilevel marketing Business Online - CareCrunch ...

You might have perhaps heard the expressing ?the more things modify the more these people stay the same?. I joined the game (network marketing) just as the internet has been ramping upward, with regards to the exact same time anyone don?t need to have to be a bodybuilder to maintain a cell phone to your current ear (don?t forget the bricks of past years?). We were fundamentally instructed to create in which proverbial labels list (you?ve got noticed that ? simply by 21 you understand 2000 folks? ) and begin calling ? do that will ever work?

Not knowing a lot concerning the industry we merely utilized the products many of us purchased monthly along with went to each and every training many of us could. I was fortunate, many of us reaped the benefit from the products the company of selection created so personal intake was never an issue.

Like more and more people we got no?s practically all over the place all of us transformed however with utter perseverance sooner or later observed and skilled some great men and women along with our business became popular.

Skip forward 10 years it?s time to carry our Network marketing business online ? the reason why you may question. Simple, while the heart and soul of network marketing is the same, marketing techniques evolve and alter around time. One of the selling points of the Twenty first century can be ?You Inc?, or even personal marketing.

Thank you to the internet I have produced exactly what I get in touch with an a mix of both style, employing the best offline Network marketing business methods with online techniques. Therefore real approaches in which I can mail people to a web based display as well as do an one on one demonstration in the event that community, and appeal marketing by way of social media as well as content marketing to expand my achieve.

Online is unquestionably a learned talent which in turn for us at least features and it is having time but is completely worth it. ?Brand you? will get a person up to now offline, and we have built groups in many countries merely to show the stage, nevertheless online you?re just tied to your own belief in on your own along with the hard work you put in.

Key lessons from my quest thus far:

* Decide on the correct pro (s) to comply with

* Throw a number of money at quality training, it boosts the mastering contour tremendously

* Commit in personal development on a daily basis. Network marketing / internet marketing can often be called a personal growth course draped in a compensation plan ? your earnings expands because you expand

* Have got an marketing budget

* Find your own words ? don?t offer your words to someone else. Sure you can use outside agencies for your current content (assuming content marketing is part of the strategy) to oDesk as well as the like, however going increase fleshlight sleeves and creating your personal content offers you credibility

* Be patient ? it will require time however it does get

* Possess an every day plan of activity ? social marketing can empty the time. Always remember it?s just part of the answer, you?ll still need to day-to-day prospect

* Find a company to align oneself with that sustains online marketing as part of the mix

* Don?t be scared to look outside the company for the training you need

* Endurance ? stick to it. Significantly, if there is one talent which trumps others it?s to whether it is

For more information, visit MLM Tool along with Enter Here

Source: http://answers.carecrunch.com/?p=147154&utm_source=rss&utm_medium=rss&utm_campaign=getting-the-multilevel-marketing-business-online

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Should You Invest in Commercial Property | Best Financial and ...

Should You Invest in Commercial Property

Some CRE brokers do provide two forms of services. They function as a medium to generate funds for an investment. The broker may commence a new corporation or LLC with the aim of generating funds for the purchase of a commercial property. In the course of this, LLC (Limited Liability Company) managers seek out for investors to purchase shares of the LLC that would acquire commercial property.

However, the broker can manage the property that has already been acquired by the LLC. Such broker would then get tenants, collect rent and maintain the property for a fee. Then, the investment your IRA can make is not direct in real property. IRA owns a part of the LLC that acquired the real property. The IRA will sign for the acquisition of LLC while in the operating agreement different rights of ownership and management are made clear.

Generally, it is up to you to decide the kind of investment to make because your self-directed IRA hinges on you to guarantee that your investments are safe. If you wish to invest in commercial real estate as a passive investment, you then need to be familiar with the process so you can make good purchase. Ensure that you trust your broker, who is very essential to making the entire process a success.

How can an investor invest in commercial real estate (CRE) with a Self-Directed IRA

Commercial real estate (CRE) refers to land or buildings proposed to generate profits from either rental income or capital gain. CRE can be a good active or passive investment. An active CRE investment entails that you the investor is more involved with the task of managing and improving the property, which is a full-time job.

Whilst the passive CRE investment is where you the investor hire a property manager to manage and improve the property on your behalf. One good thing about CRE is that it is one of the best investment options for any investor because nowadays? costs are substantially lower than in the past.

You can now buy real property and genuinely diversify your IRA. In this manner, there are various kinds of major commercial property that could be used as an investment. They include; industrial structures, multi-family buildings, hospital establishments, office and retail spaces.

How to invest in commercial real estate for future wealth and security

The fact about managing commercial real estate as a passive investment in an IRA is that a professional (property manager) oversees the property and mails your self-directed IRA the monthly rental check. All expenses are taken from your IRA, or are taken care of by a separate account assigned for expenditures towards the property maintenance.

However, commercial properties are often valued at more than 10 times that of a residential rental property, and your IRA may not be in the million-dollar range. So you can use a smaller IRA to invest in a commercial property and realize good returns. Should you invest in commercial property with a Self-Directed IRA? The answer is a resounding yes!

Another thing is the gain on the investment. Most of the commercial real estate investments can generate large returns, thus hypothetically expanding the value of your IRA portfolio without much stress by you.

Source: http://realestatenewscoverage.com/should-you-invest-in-commercial-property-15045.html

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বৃহস্পতিবার, ২৬ জুলাই, ২০১২

Penn State Takes a Pounding on Child Rape, and It?s Not Enough

On Monday, Pennsylvania State University, better known as Penn State, surrendered to a consent decree imposed by the National Collegiate Athletic Association (NCAA) that fined the school $60 million, voided all the football team?s victories since 1998, banned the football team from postseason bowl games for four years and reduced the number of scholarships the football team could offer prospects from 25 to 15.

In addition, the Big 10 Conference said Penn State forfeits its share of post-season revenues, estimated to be about $14 million. The $70 million in fines levied by the NCAA and Big Ten conference will go to programs to protect children and combat child abuse.

The NCCA?s hammer dropped in the wake of Jerry Sandusky?s conviction on June 22 of 45 of 48 counts of sexual crimes against children and the report less than a month after the verdicts by former FBI director, Louis Freeh.

Penn State?s Board of Trustees hired Freeh to investigate what the hell happened in Happy Valley, as Centre County, Pennsylvania, home of the town of State College, home of Penn State, was affectionately referred to before a hell mouth swallowed it up.

MORE: Why Is America Killing Its Children?

In case you just fell to earth, Jerry Sandusky is a former Penn State football coach and longtime friend and associate of former Penn State head coach Joe Paterno. Paterno died last January, but not before he saw everything he built sullied by the cries of innocent children who had come back to haunt as adults seeking justice.

Sandusky used his stature as a Penn State football VIP and the allure of Penn State football to bait his victims, at least one whom was younger than 10, into showers and dark corners at training facilities frequented by Penn State coaches, staff and Paterno himself.

On at least two occasions, and likely more, Paterno, the athletic department and the school?s highest administrators were told about incidents of graphic child abuse. Their collective response was to do more than nothing: It was to obfuscate, veil and enable Sandusky to keep preying just so that Penn State football wouldn?t suffer guilt by association and the bad PR that would go with it.

The NCAA did the right thing by imposing its own brand of justice upon Penn State football. It just didn?t go far enough.

Of course, its guilt is much deeper than that, and the PR couldn?t be any worse. On the day the sanctions were announced, Penn State took down the statue of Joe Paterno, prior to Monday the winningest coach in college football history, from outside Beaver Stadium.

It?s been a steep fall for Saint Joe, for the school itself and for a football program that was once thought to reflect the university?s values of excellence and integrity. When announced by steady-handed NCAA president Mark Emmert, the penalties were greeted with both quiet acceptance and howls of outrage. Some called the penalties ?knee-jerk? and ?an overreaction? and legally unfounded.

How do you overreact to at least 14 years of serial child rape under the noses of, and aided and abetted by, the most powerful people on campus?the football coach, the athletic director, the school?s vice president and president. And while criminal investigations into negligence and possible cover up are ongoing (Joe Paterno would certainly be under investigation were he alive), the NCAA did the right thing by imposing its own brand of justice upon Penn State football.

It just didn?t go far enough.

***

Penn State loomed large over Mount Lebanon, a suburb of football-mad Pittsburgh, PA, about three hours from Happy Valley, where I grew up. The upright sons and daughters here aspired to matriculate at Penn State. It was our Michigan, or Berkeley even (just not as fey!), an outstanding state-supported academic institution.

The Grand Experiment, Paterno called it, flaunting himself and his program as the exception to the seedy rule of college football, where teams cheated, lowered standards, and paid kids to attend. The team?s motto: Success With Honor.

When Penn State won the national championship by beating the University of Miami Hurricanes, whose players and program frequently appeared in the police blotters, in the 1987 Fiesta Bowl, it seemed to vindicate timeless values: Hard work over shortcuts. Sweat over steroids. Books over bullets.

Our good rustbelt kids couldn?t be bullied by those suave villains. ?We were a team that couldn?t be intimidated, and that?s what Miami liked to do to other players,? linebacker Pete Giftopoulos told sportswriter Dan O?Sullivan. ?How are you going to intimidate a bunch of steel-town kids from Pittsburgh, Ohio, Pennsylvania? You just can?t do that.?

Once, when asked about retiring, JoePa famously quipped that he couldn?t or else college football ?would be left to the Jackie Sherrills [University of Pittsburgh] and Barry Switzers [Oklahoma University].?

Penn State was Rocky Balboa versus Clubber Lang, the U.S. versus the Evil Empire. It was American exceptionalism on the gridiron.

But American exceptionalism long ago became used as a smokescreen to cover any honest attempts at reflection with a cloud of entitlement. Pilotless drones drop bombs on women and children in Iraq, Afghanistan, Pakistan? but it?s collateral damage for the greater good that only America has the moral compass to navigate.

Similarly, reported child rapes in 1998 and again in 2001, rapes that were systematically planned and executed by a predator using Penn State football as candy for fatherless kids, were apparently viewed by Paterno and his administration cronies as collateral damage in the Grand Experiment. (One of many great tragedies here is that the athletic director, vice president and president of the school were little more than Paterno cronies.)

Penn State needs to ban its own football program and for a generation at least, which is how long it turned away from what was going on under the banner of the Grand Experiment.

Against the howls not to swallow the NCAA?s strong medicine, the calls for legal challenges to the sanctions, Penn State?s current president, Rodney Erickson, said that surrender was a better alternative to the ?death penalty? Emmert had promised if Penn State didn?t comply. ?So far, only a handful of programs have faced the death penalty?suspension?primarily for gambling or recruiting violations.? Priorities, priorities.

?We had our backs to the wall on this,? Penn State president Rodney Erickson, said. ?We did what we thought was necessary to save the program.?

But the school didn?t save the football program. In dodging the death penalty, it signed its death certificate. Penn State football, even if it stumbles on compliance to these sanctions, will continue to exist only in ignominy and mediocrity long after the decree has been fulfilled. And the school?s legacy will be that of a once-proud university that sacrificed children on the altar of Joe Paterno and Penn State football.

The only way to avoid that legacy is for the school to administer to itself. Getting rid of JoePa?s strange, self-mythologizing statue is but a small start. Stronger action, not just accepting the strong judgments of athletic associations and juries, is called for.

Penn State needs to ban its own football program and for a generation at least, which is how long it turned away from what was going on under the banner of the Grand Experiment. Only then would Penn State, the greater Penn State, the Pennsylvania State University, have a chance to regain its soul and win with honor once again. Whether or not that ever happens on the football field again is trivial and beside the point.

Such bold action would be as exceptional as it would be unlikely. Penn State has shown it?s not very good at standing up to bullies.

With its legacy of child rape, will Penn State ever again win with honor? Did it ever? Leave? your thoughts in COMMENTS.

Related Stories on Takepart

? Child Abuse Climbs Along With Home Forclosures

? Sarah Silverman Makes a few Rape Jokes, Many Women Still Love Her

? New Definition for Rape in U.S.


Joe Donnelly is an award-winning journalist and short story writer based in Los Angeles. He is cofounder and editor of Slake: Los Angeles, the bestselling, award-winning city journal. Email Joe | TakePart.com

Source: http://news.yahoo.com/penn-state-takes-pounding-child-rape-not-enough-070000573.html

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