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Christmas Shopping Bus

December 1, 2012, 8:00 am?6:15 pm

First Choice Travel & Cruise

2120 E Moreland Blvd, Waukesha, WI

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Source: http://waukesha.patch.com/events/christmas-shopping-bus

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Can Your Employer Drop your Health Insurance Benefits While Out On

By Karl Voigt

We are often asked by clients if their employer can drop their Health insurance benefits while they are out on Workers? Compensation. Unfortunately, the short answer is ?Probably yes.? There is no law in Pennsylvania that requires an employer to pay for health insurance premiums while you are disabled from work due to a work-related injury.

If your employment is governed by an employment contract for a collective bargaining agreement, that agreement may compel your employer to continue paying health insurance premiums during an absence from work. Absent such an agreement, your employer is not obligated to continue to pay your premiums. However, if there is no such agreement, we must look elswhere

Under the Family and Medical Leave Act (FMLA), you are entitled to 12 weeks of leave if your employer is large enough and you have enough hours. If you apply for leave under FMLA, your employer must preserve your health insurance benefits, as well as your job, for 12 weeks. However, if you made a contribution toward your health insurance premiums when you were employed before your injury, you must continue to make those contributions while out on Worker?s Compensation.

If your health insurance policy is about to be canceled, you must receive a COBRA notice from your employer. This will allow you to continue coverage, but you must pay for your own premiums. As you can see, there is very little protection of your health insurance coverage while you are disabled from work due to a work injury.

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Source: http://blog.princelaw.com/2012/07/31/can-your-employer-drop-your-health-insurance-benefits-while-out-on-workers-compensation/

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Is Facebook Working on a Branded Smartphone?

On one side, you have Vivian Wagner. She notes that Facebook CEO Mark Zuckerberg, on his company's earnings call, flatly stated that building a smartphone ?wouldn't really make much sense for us to do.? She also pointed to a Facebook spokesperson who said ?Our mobile strategy is simple: We think every mobile device is better if it is deeply social...We're working across the entire mobile industry, with operators, hardware manufacturers, OS providers, and application developers to bring powerful social experiences to more people around the world.?

While Wagner notes that these comments don't explicitly rule out the possibility of Facebook working on a smartphone, there are other barriers. Zuckerberg isn't dumb; when he says it wouldn't make much sense for his company to work on a smartphone right now, it's because he knows his company's strengths and limitations. Think about all the things that would go into creating a smartphone. The social network would need to change its entire business model, or at least modify it heavily. According to tech consultant Eric Brown, ?Dealing with manufacturing, suppliers, distributors, returns, inventory, seasonal sales cycles ? these are all concepts that are presently foreign to a social network management firm selling advertising.?

And yet, the idea of Facebook developing its own branded smartphone seems to be a rumor that just won't die. Adrian Kingsley-Hughes?covered it on Friday for ZDNet. According to him, Facebook is collaborating with HTC to bring a Facebook-branded smartphone to market by some time in 2013.

If the Bloomberg?story Kingsley-Hughes cited can be believed ? always risky when the sources in the item refuse to be named ? it sounds very nearly like a dream team working on the project. At least, it could potentially be an interesting marriage of technologies. Facebook is supposedly working on a modified operating system for the device, which may be based around Google's Android OS, and has assembled a team of Apple programmers to move things forward. Does anyone other than me find the mix of Apple, Google, and Facebook influences on this rumored project to be...intriguing? Possibly even too good to be true?

Kingsley-Hughes thinks Facebook has both a motive and the ability to develop such a smartphone. For the former, he points to the fact that so many Facebook users are browsing the site on mobile platforms, but the social network's ad income relies on them browsing on the desktop. Apparently Facebook's own app hasn't redressed that issue, but perhaps putting out its own smartphone might. For the latter, he simply points to help from HTC, which would presumably get around a lot of the issues raised by Brown.

But Kingsley-Hughes puts his finger on the real issue ? and that isn't whether Facebook could create a smartphone if it had a compelling reason, but whether that phone could successfully compete against what is already out there. As he points out, ?It's not like there aren't a lot of cheap handsets out there already.? And how, exactly, will Facebook convince its users to get a Facebook handset just to see ads?

Kingsley-Hughes suggests that Facebook could take the Amazon route, by offering a dumbed-down version of Android on its phone, and perhaps heavily subsidizing it with ads. Going that route is a gamble, and could leave the company bleeding money. And Brown seems to think it might not succeed: ?To be successful, the device would need to invisibly integrate all the smartphone features with [the] Facebook system ? email, photo sharing, check-ins, etc...A 'chat' and 'videochat' app would most likely be included as well ? both using the Facebook ecosystem.? That doesn't exactly sound like a dumbed-down smartphone, or the kind of phone you'd get if the device were heavily subsidized.

No, it makes a lot more sense to assume that Facebook is simply working closely with lots of hardware manufacturers to get functionality for its website's features more tightly integrated into a wide variety of smartphone devices. Then again, even Wagner observed that this wouldn't be the first time a CEO has played coy while keeping a project under wraps before it's ready to be revealed. We'll just have to wait and see.

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Source: http://www.devshed.com/c/a/Smartphone-Development/Is-Facebook-Working-on-a-Branded-Smartphone-26425/

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HSBC says sorry as it takes $700 million hit

LONDON (AP) ? HSBC PLC apologized to shareholders Monday as it disclosed a $700 million charge to cover the cost of U.S. penalties for lapses including its failure to enforce money-laundering controls in Mexico.

The provision was announced as Europe's biggest bank reported an 11 percent advance in pretax profit in the first half of the year following $4.3 billion in gains from asset sales. For the six months ending June 30, the bank made a pretax profit of $12.7 billion, up from $11.5 billion a year earlier.

As well as costs relating to infractions in Mexico, the $700 million provision also takes in possible penalties for violations of the U.S. Bank Secrecy Act in a case going back two years, and any penalties from continuing investigations of possible violations of economic sanctions against Iran and other countries.

Earlier this month, HSBC paid a fine of $28 million ? 379 million Mexican pesos ? to Mexican authorities for non-compliance with money laundering controls.

A U.S. Senate investigative committee reported that in 2007 and 2008 HSBC Mexico sent to the United States about $7 billion in cash. "Bulk cash shipments could reach that volume only if they included illegal drug proceeds," the committee concluded.

HSBC Mexico acknowledged in a statement that it failed to report 39 suspicious transactions and had been late in reporting 1,729 others.

The bank's chairman, Douglas Flint, and Chief Executive Stuart Gulliver apologized for the money-laundering infractions.

"We must demonstrate that we have learned from earlier mistakes," Flint said.

"The banking industry is operating in a hostile climate so we must double our efforts to convince our regulators, customers and investors that we are striving for the highest possible standards. Only that way can we allay public fears and regain trust in our industry," Flint said.

Gulliver said new processes and standards were being enforced in all of the bank's global operations.

"HSBC is now run and managed as a genuinely global firm, making it easier to set, monitor and enforce standards," he said.

As well as being dented by the money-laundering provisions, HSBC's first-half earnings were also hit by provisions of $1.3 billion for compensating U.K. customers for payment protection insurance.

However, the bank made no provision for settling potential regulatory fines and private lawsuits, including one pending in the United States, related to setting the London interbank offered rate (LIBOR) and other indexes.

In its program of getting out of non-strategic markets and non-core investments, HSBC has made 36 disposals and closures since early 2011.

A further look at the figures showed that operating income was up 3 percent to $43.7 billion while taxes paid more than doubled from $1.7 billion to $3.6 billion. However, net profit was down 8.6 percent to $8.4 billion, compared to $9.8 billion a year earlier.

HSBC shares were up 0.8 percent at 535.2 pence in late morning trading in London.

Although the first half profits fell short of analysts' forecasts, Jonathan Jackson at Killik & Co. said he rates the shares as a buy because HSBC has a "strong funding position, with excess cheap deposits, and is well capitalized."

Source: http://news.yahoo.com/hsbc-says-sorry-takes-700-million-hit-110239916--finance.html

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Boot up: Olympics 2012's lost tweets, Microsoft's 'lost decade', and more

Plus Apple, Twitter, and the 'strategic discussions', and Microsoft's PR boss bites back

Twitter a disruptive force during Olympics 2012, according to organisers. Photograph: Cassandra Vinograd/AP

A quick burst of six links for you to chew over, as picked by the Technology team

Once upon a time, Microsoft dominated the tech industry; indeed, it was the wealthiest corporation in the world. But since 2000, as Apple, Google, and Facebook whizzed by, it has fallen flat in every arena it entered: e-books, music, search, social networking, etc., etc. Talking to former and current Microsoft executives, Kurt Eichenwald finds the fingers pointing at C.E.O. Steve Ballmer, Bill Gates's successor, as the man who led them astray.

Needless to say, he doesn't agree.

Good luck with this:

International Olympics Committee Communications director Mark Adams said: "From my understanding, One network was oversubscribed, and OBS are trying to spread the load to other providers. We don't want to stop people engaging in this by social media but perhaps they might consider only sending urgent updates."

An intriguing prospect. More to come on this.

People familiar with the matter said there are no current formal investment or acquisition discussions between the companies.

Most of the sites that Craigslist killed began as hobby projects, making little to no money -- just programmers trying to make a product they loved, better. Craigslist and its chief executive, Jim Buckmaster, did not return repeated requests for comment.

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First Pisa, now Rome's Colosseum - it's leaning

ROME (Reuters) - The ancient Colosseum of Rome, where gladiators fought for their lives, is slanting about 40 cm (16 inches) lower on the south side than on the north, and authorities are investigating whether it needs urgent repairs.

Experts first noticed the incline about a year ago and have been monitoring it for the past few months, Rossella Rea, director at the 2,000-year-old monument, said in an article published in the Italian daily Corriere della Sera on Sunday.

The Leaning Tower of Pisa, another of Italy's most popular attractions, was reopened in 2001 after being shut for more than a decade as engineers worked to prevent it from falling over and to make it safe for visitors.

Rea has asked Rome's La Sapienza University and environmental geology institute IGAG to launch a study on the phenomenon, with investigations to be concluded in a year.

1. Only on NBCNews.com

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   5. Updated 18 minutes ago 7/30/2012 4:17:13 PM +00:00 Rome?s leaning Colosseum has experts worried
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Tests have also started to observe the effects that traffic on nearby busy roads may have on the monument.

Professor Giorgio Monti, from La Sapienza's construction technology department, warned there may be a crack in the base below the amphitheatre.

"The slab of concrete on which the Colosseum rests, which is like a 13-metre (yard)-thick oval doughnut, may have a fracture inside it," he told the newspaper.

He said intervention could be necessary if the concerns are confirmed, along the lines of stabilization work carried out in Pisa, but he said it was too early to judge what kind of intervention would be most suitable.

The Colosseum - famous for hosting bloody gladiator fights in the days of the Roman Empire - attracts hundreds of thousands of tourists and is usually packed with visitors.

(Writing by Catherine Hornby; Editing by Michael Roddy)

(c) Copyright Thomson Reuters 2012. Check for restrictions at: http://about.reuters.com/fulllegal.asp

Source: http://www.msnbc.msn.com/id/48385525/ns/world_news-europe/

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How to Make Money Online ? Easy and Free | Keysteps Internet ...

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Click Here: www.goo.gl Make Money Online. This will blow you away! Making Money Online made easy. You?ve never seen anything like this before: I hope you?re ready to Make Real Money Online. Fast & Easy. The number one way to make money at home beginners welcome. Learn How to make money online. Learn How to make money online easily. Home Based Business Opportunities, Make Money At Home Business(Make Money Online)Best Jobs{Internet marketing}Make Money At Home Business(Make Money Online Fast)Best Jobs{Affiliate Programs} How to make money online Fast & Easy ? Make money with mobil marketing , earn extra income with affiliate marketing youtube, Affiliate Marketing For The Beginner ? training Part Time Jobs Work At Home Tools tips tricks and secrets, Start your own home based business today, clickbank, facebook google amazon ? amazon full time part Income Online Best Opportunities beginners newbies Teenage teenagers women Kids students moms dads Make Cash as Needed with mobil smart phones ?How To Make Money Online? ?make money? ?making money online? ?work from home? ?work at home? ?make money at home? With Mobil Marketing business opportunities, how to earn money working at home best business ideas very easy jobs to start 2011 2012 easiest ways make cash work online ?internet marketing? ?affiliate marketing? training program earn extra residual income tips work at home best legit jobs for the future college students kids beginners teens teenagers moms dads Global US UK Canada ?

Source: http://www.keysteps.com/blog/how-to-make-money-online-easy-and-free/

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Mitt Romney On Taxes: Overpaying Disqualifies President

JERUSALEM -- Mitt Romney says that if he paid more taxes than were required, he wouldn't be qualified to be president.

The U.S. presidential candidate tells ABC News that American voters expect candidates to pay "only what the tax code requires." He says he hasn't calculated what percentage of his income was paid in taxes but says that he's been audited.

Romney's vast personal wealth has been an issue in the campaign.

Democrats have criticized him for paying only 13.9 percent of his income in taxes during the one year his taxes have been made public.

Romney says he will release an additional year of returns before Election Day. That has left some questioning whether Romney pays a smaller share than other Americans.

Also on HuffPost:

• Ron Paul

  "Politically, I think that would help him," Paul said in a interview with <a href="http://www.politico.com/news/stories/0712/78599.html#ixzz20w7ycTBE" target="_hplink">Politico</a>. "In the scheme of things politically, you know, it looks like releasing tax returns is what the people want."

• Richard Lugar

  "I have no idea on why he has restricted the number to this point," <a href="http://www.cbsnews.com/8301-18563_162-57474352/pressure-mounts-on-mitt-romney-to-release-more-tax-returns/?tag=socsh" target="_hplink">Lugar said</a>.

• George Will

  "I don't know why... he didn't get all of this out and tidy up some of his offshore accounts and all the rest," Will said on ABC's "<a href="http://www.huffingtonpost.com/2012/07/15/george-will-mitt-romney-bain_n_1674513.html?utm_source=feedburner&utm_medium=feed&utm_campaign=Feed%3A+HP%2FPolitics+(Politics+on+The+Huffington+Post)" target="_hplink">This Week</a>." "He's done nothing illegal, nothing unseemly, nothing improper, but lots that's impolitic."

• Bill Kristol

  "He should release the tax returns tomorrow. It's crazy," Kristol said on "<a href="http://www.huffingtonpost.com/2012/07/15/mitt-romney-tax-returns_n_1674325.html" target="_hplink">Fox News Sunday</a>." "You gotta release six, eight, 10 years of back tax returns. Take the hit for a day or two."

• Robert Bentley

  "I just believe in total transparency," Bentley told <a href="http://abcnews.go.com/blogs/politics/2012/07/gop-governor-calls-on-mitt-romney-to-release-additional-tax-returns-and-show-he-has-nothing-to-hide/" target="_hplink">ABC News</a>. "In fact, I was asked today that question -- do you think that Governor Romney should release his tax returns? And I said I do. I said, I release my tax returns. I may be the only public official in Alabama that does, but I release mine every year and I just believe that people should release their tax returns. And if you get them out and just get past that, it just makes it so much easier."

• Haley Barbour

  When asked on "<a href="http://www.nationaljournal.com/2012-presidential-campaign/barbour-romney-should-release-more-tax-returns-20120710" target="_hplink">The Situation Room</a>" if Romney should release more returns, Barbour said, "I would. But should it be an issue in the campaign? I don't think it amounts to diddly."

• Michael Steele

  "If there's nothing there, there's no 'there' there, don't create a there,'" Steele said on MSNBC.

• David Frum

  "Tax returns the next problem. Releasing returns under pressure: more weakness, more pain," Frum <a href="https://twitter.com/davidfrum/status/224509505973661696" target="_hplink">tweeted</a>.

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Source: http://www.huffingtonpost.com/2012/07/29/mitt-romney-taxes_n_1716657.html

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They?re Not Creepy

I believe that Britain is best represented by those who dare to think different. Those who aren?t afraid to fail. From the logo to the Olympic Park to the mascots themselves, the organizing committee could have played it safe but they didn?t. Those decisions, in my opinion, reflect a dynamic, forward-looking nation. With the mascots we wanted to celebrate the diversity and richness of modern Britain. So we asked ourselves why have one or two mascots when we could have hundreds of thousands or even millions?

Source: http://feeds.slate.com/click.phdo?i=bdb53f7ae9e4103948b4865c91e9d506

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APNewsBreak: Irish slam Google data deceit

LONDON (AP) ? An Irish data protection officer says that Google's retention of Street View data in violation of agreements made with European governments is "clearly unacceptable."

The Mountain View, California-based company angered regulators in several countries in 2010 when it acknowledged that its mapping cars, which carried cameras across the globe to create three-dimensional maps of the world's streets, had also scooped up passwords and other data being transmitted over unsecured wireless networks.

Google was supposed to have deleted the data, but it acknowledged Friday that it had retained some of it.

Ireland's Deputy Information Commissioner Gary Davis says his organization had conveyed its "deep unhappiness" to Google and wants answers by Wednesday.

Source: http://news.yahoo.com/apnewsbreak-irish-slam-google-data-deceit-165135850--finance.html

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Gene fusion is behind deadly brain cancer Mutiny Radio

July 27, 2012

Via NewScientist

Treatment for a lethal form of brain cancer could be on the horizon after the discovery that the cancer can be formed by two genes fusing together. People with the disease could potentially benefit from drugs that block the activity of a protein produced by this wayward fusion.

Cancers can be sparked by a number of genetic mutations, including disruptions to single parts of a gene that either over-stimulate or castrate an important protein. But some cancers arise when two entire genes are accidently fused together during natural cell replication. The protein that the fused genes code for performs some of the functions you would expect of it but does so in new locations or contexts. ?They do their thing, but incorrectly,? says Anna Lasorella at the Institute for Cancer Genetics at Columbia University, New York.

Lasorella and her colleagues studied the genes involved in a lethal form of brain cancer called glioblastoma. About 3 per cent of the glioblastoma tumours they looked at were caused by the fusing of two genes.

On its own, each gene has an important but benign function. When fused together the two wreak havoc during cell division. The protein that the fused genes code for latches onto the spindles that pull freshly replicated chromosomes into two new cells during cell division. The interference means that instead of an even division, the cells end up with different numbers of chromosomes: a phenomenon known as aneuploidy. ?It?s a well-known hallmark of cancer,? says Antonio Iavarone, also at Columbia.

Having identified this mechanism, the team wanted to check that the fused genes actually cause this form of cancer. So they injected the newly formed protein into the brains of healthy mice. Ninety per cent of the mice went on to develop the expected glioblastomas.

The team then administered a drug that blocked the activity of the new protein. In doing so, they were able to double the mice?s survival time.

Because the protein is specific to the cancer cells, the team predicts that drugs to target it would cause minimal damage to healthy cells.

Journal reference: Science, DOI: 10.1126/science.1220834

Source: http://pcrcollective.org/?p=2465

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China Aims to Drive Domestic Consumption

Friday, July 27th, 2012
By George Leong, B.Comm. for Profit Confidential

China is currently facing a spending crunch from Europe and the U.S., which is impacting the Chinese economy and threatening a possible ?hard landing.?

The superlative growth of China over the last decade has largely been fueled by export demand for cheaper Chinese-made goods. The country built thousands of plants and added significant capacity to handle the significant influx of foreign business. While this strategy works when global economies are strong, the problem arises when export demand declines as we are seeing now in China.

The current structure of the country?s growth is largely dependent on foreign demand for goods, but China realizes that it also needs to drive domestic consumption higher to help minimize the negative impact of any global slowing when moving forward, and to create a more balanced economy that is powered by both export demand and domestic consumption.

The International Monetary Fund came out earlier this week and suggested China?s economy is facing ?significant downside risks,? advising the country to try to increase domestic consumption instead of just pumping money into the economy. If you go to China, you?ll notice tens of thousands of empty apartments that were built by the government with no tenants. You also see this with excess manufacturing capacity. China has spent hundreds of billions on infrastructure, but consumer spending is key.

China has made it clear that it wants to stimulate domestic consumption, which currently stands at around a third of its gross domestic product (GDP) compared to around 70% in the U.S.

With over 1.3 billion people and a middle-class of around 300-400 million (depending on who you talk to), the strategy to boost domestic consumption makes a whole lot of sense.

In its 12th Five-Year Plan for 2011-2015, China indicated it wants to make the country less dependent on export demand and investment-led growth, and to try to promote equal income distribution that would allow its lower-income citizens greater access to money. This, in turn, would pump up domestic consumption, at least in theory.

The reality is that China?s exports are declining as the global economies continue to face growth issues. (Read ?Global Economies Backtracking.?) There is also a decline in domestic consumption, which is a key area the Chinese want to address and improve.

China has made clear its intentions to pump up its economy with stimulus and make consumers want to spend. Interest rates have been lowered, and with inflation well below the top target, there is more room for rates to fall.

The hope is to make it so attractive the Chinese consumer will want to borrow and spend.

---

Next Post: Stock Market Leaders Producing Solid Earnings Reports

Previous Post: Should You Buy Apple Now?

Source: http://www.profitconfidential.com/chinese-economy/china-aims-to-drive-domestic-consumption/

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Real Estate Investing: 4 Underestimated Rental ... - CT Homes LLC ...

This is an incredible time for investing in real estate and locking into passive income and long term wealth building by acquiring rental properties. However, while cash flow spreads may be fatter than ever and we appear to be on the verge of an extended period of equity growth it is those sneaky, unexpected expenses which catch investors out every time.

So when investing in real estate through rental homes what are some of the most common expenses that investors often overlook?

1. Exterior Maintenance

You may have budgeted for cutting the grass or plan to make the tenants responsible for it but exterior maintenance doesn?t end there. You might not care what your properties look like if you aren?t living there but the city or homeowners association will. That means hefty fines and penalties if not maintained to code. Other items you need to plan on forking out for include pressure washing and painting.

2. Appliances

So many investors forget to plan for big expenses like appliances. They are so consumed with just getting the deal closed and collecting the rent money that when appliances go bad it can come as a big and nasty surprise right at the wrong moment. These are one of the items which a reserve account should be set aside for and contributed to monthly. Some real estate investing pros have found investing in a home warranty plan the best move.

3. Re-Leasing

Despite the best screening in the world things happen and tenants leave, sometimes a lot sooner than planned. This brings additional expenses including repairs and redecorating as well as marketing and sometimes commissions too.

4. Professional Property Management

Regardless of if you want to try your hand at managing your own rental properties at some point you are going to want to hire a property manager. Otherwise you?ll never truly have a day off or be able to enjoy your real estate investing profits. Give DIY property management a try if you like, it will be a great learning experience but make sure you have budgeted enough room to hire someone else later on.

Tags: expenses, property expenses, rental

This entry was posted on Tuesday, July 24th, 2012 at 3:00 pm and is filed under Home Maintenance. You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response, or trackback from your own site.

Source: http://www.cthomesllc.com/2012/07/real-estate-investing-4-underestimated-rental-property-expenses/

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Source: http://riufofosg.posterous.com/real-estate-investing-4-underestimated-rental

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Looking for the Services of Plumbers for Your Drainage Problems

Drains are waterways which direct wastewater to a septic tank or a sewer. These waterways may block at times. If left neglected, clogged drains can cause more problems to the system, which can then lead to pricey maintenance.

Drainage systems accumulate excess rainwater, kitchen wastewater, and toilet wastewater. These diverse wastewater types can hold plenty of solid matter which can possibly block the drainage pipes. When that happens, blockage takes place. When your pipes are obstructed, water will go stale, and they can begin leaking as time passes.

The first step in preventing drainage clogging is to ensure that your drainage conduits are effectively installed. Drainage waterways need to be properly designed so that water is able to flow uphill freely. Badly sloped drainage systems can cause water stagnation, which can build sedimentation that hinders the conduits.

Yet, a properly-built drainage system won't make much difference if you do not know the way to care for it. The accumulation of fat and oil can obstruct kitchen drainage sysems. Foreign matters flushed in the toilet can be stuck in the U-bend or elsewhere in the conduits.

When problems similar to these happen, you should get hold of a specialist who can make the needed drainage fixes. A clogged kitchen drainage pipe needs to be opened up so that the solid debris and other waste materials can be withdrawn. The same thing can be said about blocked toilets. These tasks are dirty and tough, so it's better not to aim carrying out the maintenance yourself. Leave them in the hands of a seasoned North Vancouver plumber.

There are several professionals in commercial plumbing Vancouver people can speak to who can provide you with the drainage setup, maintenance, and repair services you will need. You can try to find them online or the yellow pages. Pick one with an outstanding reputation, and make sure that they have the needed licenses and certifications to conduct their business.

You can also check with loved ones, friends, neighbors, and co-employees for recommendations. Consult them with regards to the plumbing support they had enlisted and the quality of the job done. Chances are, they've been patronizing the same North Vancouver plumbing company for a long time. The duration homes have been employing them is among the best approaches to gauge the excellence of a plumbing business. Read more about drainage maintenance at wikihow.com/Category:Drains-Maintenance.

For more details, search commercial plumbing Vancouver, North Vancouver plumber, and North Vancouver plumbing in Google for related information.

Keywords: commercial plumbing vancouver, north vancouver plumber, north vancouver plumbing

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PFT: Chad Johnson predicts 'monster' season

AP

With Ravens quarterback Joe Flacco entering the final year of his rookie contract, discussions will continue without any acrimony or threats of a holdout.

?All the conversations have been productive,? agent Joe Linta told Albert Breer of NFL Network.? ?We?ve gone back-and-forth on proposals.? And the biggest thing I can tell you is that Joe?s so focused on winning that all of this isn?t something he?s paying a lot of attention to, he?s got such a chip on his shoulder about winning now.? The most telling quote from Joe I can give you is that he told me, ?I?ve got a contract, and I?m gonna honor it.?? He?s part of a rare breed in this day and age.?

Before we begin preparing the paperwork to nominate Joseph of Audobon for canonization, let?s keep in mind that plenty of elite quarterbacks have played out their contracts.? Drew Brees has done it, twice.? Peyton Manning has done it, twice.

The point is that Flacco isn?t preoccupied with the situation, and that he?s not worried about it becoming a distraction.? As a result, a new deal can come at any time.

?Pat [Moriarty] can call me today, Halloween, Thanksgiving, whenever, and Joe gives me the leeway to talk whenever,? Linta said ? ?We?re not creating any artificial deadlines.? I do know once he?s on the field, his focus is there, but we can keep working.?

That?s a stark contrast to Brees, who eventually pulled the plug on talks during the 2011 regular season.

?The only distraction for Joe would be me calling him,? Linta said.? ?I?ve been doing this a long time, and I?ve rarely seen a guy so single-minded.?

It?s the right approach.? Because if Flacco has to enter the season without a new deal, each strong performance will give him more leverage.? And weak performances will swing the pendulum back to the Ravens.? If a new deal ultimately isn?t done, the Ravens will have to decide whether to offer him a one-year deal worth the average of the five highest-paid quarterbacks, or whether to let him hit the open market.

Playing well and winning will make the Ravens more likely to pay him now.? And it will make them more likely to use the franchise tag later, which for Flacco would result in a salary much higher than what he?d average on any new deal he could negotiate before then.

Source: http://profootballtalk.nbcsports.com/2012/07/25/chad-johnson-predicts-a-monster-season-for-himself/related/

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Replacement and Repair Of Garage Doors | Home Improvement ...

The possibility of a button that tells your garage, one of you to your house to access a feature that many people can not live without. There is a convenience that homeowners have to get used to and continue to use on a daily basis. What happens if you discover that the door begins to crack or wear? If the entire structure to replace the roads or just a general problem? Fortunately, experts give people the opportunity to choose whether to replace or repair rather their current garage. There are many services you need, that you look like your input and work better than ever.

First, let?s touch base with a few common repairs done damage to the garage. The tracks of the door, which was in excellent condition. These numbers can break or rust, and you have solid doors. A professional can help fix or replace the damaged area all together. More important is the mechanical springs and rollers. A specialist is able to focus, without charge, the exact cause is not part of the entrance to function properly. After discovering the error a clear picture is drawn to show exactly why you learn how delays.

Some garage door repairs are expensive and the price of buying a new door outweighs a whole. New doors are available for homes that will be installed at affordable prices. With this change, you are fit for freedom of having the item separately in your home. You get to choose from a variety of materials such as steel or wood. The choice of pattern, color, style, and it is also part of the process, so you are as unique as you want. This change is not only a positive change for the aesthetic appeal of your home, but it gives a noticeable improvement of thermal insulation in the area.

Maybe your reason for wanting a new garage door is no problem in context. Some people ask to serve as an upgrade to their homeland. The addition of a carport is a structure or improvement of an old common motifs to search for the new arrival. Whatever your goal to contact customer service, you will find the solution you were looking to find. There are only so many ways to change the environment, and these specialists have mastered them all. Let us go down and see your investment as a replacement or repair can help you today.

This entry was posted in Garage. Bookmark the permalink.

Source: http://www.magellanmmgeo.com/1175/replacement-and-repair-of-garage-doors

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About 19000 Idahoans to soon get high-speed Internet | Business ...

A new $5.7 million project will give high-speed, broadband Internet access to about 19,000 Idahoans in rural areas, the Federal Communications Commission said.

More than 41 percent of Idaho's rural population ? or about 194,000 people ? don't have access to high-speed Internet. Idaho has the nation's seventh-lowest rate of rural broadband availability, the FCC said in a release.

Frontier Communications Corp. and CenturyLink Inc. will use the $5.7 million to quickly deploy Internet access to unserved customers in 7,300 locations in Idaho, the FCC said. The companies must finish two-thirds of the project within two years and be finished in three years.

The Connect America project in Idaho is part of a national public-private partnership to provide access to 19 million rural Americans by 2020. The program's first phase will provide more than $100 million in public funding, matched by tens of millions of dollars in private funding for projects in 36 states, the FCC said.

Idaho's broadband availability is the worst in Camas, Clark and Teton counties, where the FCC found nobody has access to high-speed Internet.

Ada, Canyon, Gem and Minidoka counties have the highest per-capita access to high-speed Internet, the FCC said.

Source: http://www.idahostatesman.com/2012/07/26/2203251/about-19000-idahoans-to-soon-get.html

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Mortgage Brokers - StraightForward Recommendations - Helpful ...

Delivering extra money into the economic climate to guide it is the simple description of quantitative eliminating. The amount of money additional will positively enable much more buyers purchase merchandise as well as providers. For that reason, the actual market sectors is likely to make many hire extra employees which usually normally will lessen unemployment. Source: mortgages in vancouver

Plainly the Given might strain these rates by positively enjoying these markets. This will create a strong interest in such securities that may pressure the cost reducing down the produces. Favorably the effect will probably be in which mortgage rates decrease much more stimulating re-finance applications and enhancing the housing industry.

The particular improve remortgage is actually operating from the unique qualification process you underwent to get your authentic loan. If the present mortgage is actually financed from the VA, that is the initial qualification examined off. This loan doesn't need an appraisal. Revenue paperwork and also job verification is not needed and neither is actually credit score being qualified. The only credit rating prerequisite is you be present on your own mortgage and have didn't have several mortgage payment past 30 days due within the last Twelve months. What could be less difficult than which?

One more element is the level of advance payment that is needed to buy any house. If an individual can purchase a house with merely a 3 percent deposit they may be capable of obtain a house. Should you press the particular advance payment to twenty %, that person may no longer have adequate cash to buy the particular house. The total amount spent on high closing costs can be a deal breaker in buying a house.

Nevertheless, in case you are someone who does have time and energy to have the ability to examine what charges are increasingly being supplied every day then the internet is the best instrument for your research. You can find plenty even 1000s of web sites that will swiftly tell you just what prices are being offered simply by different banks and also finance companies. Then all you need to carry out is actually take a moment to look closely from just what their own qualifying needs are before you begin applying for such lending options.

According to your own tendency to pay and also the stage regarding life that you are from, look to settle the credit within an optimum timeframe. The main element to getting this particular stability correct is managing to cover pay off the mortgage inside least amount of span of time without having burdening the actual storage compartments excessively. This can be sure to benefit you the greatest in the end.

Immediate results were how the mortgage prices have got a bit increased. The fundamental thinking because of this response might be that the individuals had been discounting quantitative eliminating through the Fed also it seems like that they are holding out beyond the thing that was committed. Additionally specialists may believe that the Given will be signalling in order to encourage the economic system, but they could be careful to allow the amount of money out there effortlessly. That's the reason you will find broad estimates regarding how much at the conclusion the government Reserve will certainly create. Sadly, it's like this huge amounts of money hardly abandon a dent in today's economic system; it may be time for you to end up being chatting in trillions.

With credit rating securing and underwriting more and more difficult, the particular Virtual assistant improve remortgage option by-passes this with regard to veterans. However, it is inside the needs of any veteran to be aware what the Veterans administration loan company needs to be saying. If your loan company attempts to appear at first sight alone allowed to help make Virtual assistant IRRRL financial loans, they're wrong. Any VA loan provider may. When they say that there are specific loan company costs that really must be additional, be skeptical. The only expense associated will be the Zero.5% financing charge. And be mindful if you are going to be able to re-finance the home for more than it is worth. You might get into a circumstance in which you might fight to promote your home and also protect the particular mortgage. Visit a VA mortgage professional regarding guidance before you make any monetary selections.

Source: http://mortgageratesrefinance579.typepad.com/blog/2012/07/mortgage-brokers-straightforward-recommendations.html

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CBO: Supreme Court ruling means 3 million fewer with health care

Congressional Budget Office finds that the Supreme Court's ruling will cut $84 billion from the cost of health-care reform, as states opt out of new law's call to expand coverage for low-income families.

By David Grant,?Staff writer / July 24, 2012

House Minority Leader Nancy Pelosi of Calif., flanked by House Minority Whip Steny Hoyer of Md., left, and House Assistant Minority Leader James Clyburn of S.C., speaks about the Affordable Care Act, Wednesday, July 11, 2012, in Washington. Hoyer said new estimates for the law's costs from the Congressional Budget Office, 'tell a powerful story.'

AP Photo/Haraz N. Ghanbari

Enlarge

Congress?s non-partisan budget umpire had some relatively bad news for both Republicans and Democrats in its updated scoring of the president?s health-care reform legislation.

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The new estimates for the law?s cost and scope were prompted by last month's Supreme Court?s ruling that states did not have to accept?the Affordable Care Act's (ACA) requirement to expand Medicaid coverage. Several states run by Republican governors who are opponents of the law have said they will not expand Medicaid to include those earning less than 138 percent of the federal poverty limit, as posited in the law.

Republicans hell-bent on repealing President Obama?s signature health-care legislation would have to find some $11 billion per year over the next decade (for a total of $109 billion) to offset the law?s repeal and avoid increasing the nation?s debt, the Congressional Budget Office estimated in a letter to House Speaker John Boehner (R) of Ohio on Tuesday.

In addition, the law as currently constituted will save taxpayers $84 billion, the CBO said, as greater government-subsidized participation in health-care exchanges is more than offset by lower costs from fewer Americans enrolling in Medicaid.

?These numbers tell a powerful story,? said House Democratic whip Steny Hoyer (D) of Maryland in an e-mailed statement. ?The health reform legislation we passed in the Democratic-controlled 111th Congress is achieving the goals of expanding access to insurance coverage and controlling the growth of costs for Americans? care.?

Republicans could take some solace in the fact that the $84 billion figure is down from $210 billion that the CBO had estimated in 2011 due to a variety of factors, including the Supreme Court?s ruling, changes in the rate of growth of Medicare, and the Department of Health and Human Service?s decision to halt the implementation of the law?s long-term care insurance provision.

But Democrats have to contend with the CBO?s estimate that some 3 million more Americans will go without health-care coverage in 2022 due to the Supreme Court?s ruling. Costs are going down while coverage is also declining because, as the CBO writes, two-thirds of those who will find themselves without Medicaid coverage will also be unable to access state health insurance exchanges.

If the law is fully repealed, as many as 30 million? Americans, however, would be without health care insurance by 2022, according to the CBO.One conservative health-care analyst did see a benefit from potential repeal, however.
?
?The Supreme Court decision liberated the near-poor,? said National Center for Policy Analysis President John Goodman in an e-mail. ?Residents in states refusing Medicaid expansion for people between 100% and 138% of the poverty level will now be eligible for much better, private insurance coverage.?

The CBO also estimates that repealing the law could cost somewhere in a ?broad range? around 0.5 percent of GDP (currently, amounting to about $1.5 trillion) in the decade following 2022.

Still, the CBO warned that any estimates about the complex legislation and its impact on the massive US health-care market are highly uncertain.

Repeal projections ?are quite uncertain because they are based, in large part, on projections of the effects of the ACA, which are themselves highly uncertain. Assessing the effects of making broad changes in the nation?s health-care and health insurance systems requires estimates of a broad array of technical, behavioral, and economic factors,? the CBO?wrote.

Source: http://rss.csmonitor.com/~r/feeds/csm/~3/547SFiCC4lQ/CBO-Supreme-Court-ruling-means-3-million-fewer-with-health-care

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Helping You Build Your Online Presence | Go Crazy SEO Internet ...

Most people don?t know the advantages of doing web search engine optimisation (SEO) which is a crucial part in a company?s Internet marketing strategy. Electronic commerce is booming and more people are doing their shopping online which led to a significant increase in the companies? demand for search engine optimisation and search engine marketing services. Businesses can improve their online presence by obtaining a high ranking on search engines such as Yahoo, Google, and Lycos.

You can improve your business? online presence by hiring an SEO professional whose main goal is to achieve your desired spot in the search engine results page. There are numerous SEO strategies used by SEO consultants to increase web site traffic which include the Pay per Click campaign wherein the consultant designs a marketing strategy that is in line with the client?s goals. The campaign typically involves creating promotional materials such as attractive links, banners, and advertisements that are strategically placed on web sites frequented by the target market.

A search engine is designed to look for information on the Internet and maintains real-time data by running proprietary algorithms on a web crawler or spider. As we all know, there are millions of web sites on the Internet and placing your site at the top of a search engine results page will not be an easy task. Hiring a search engine marketing consultant will help make your Internet marketing strategy more effective. Moreover, search engine optimization is considered a one-time investment as a web site will get regular visits once it becomes popular.

Search engine marketing consultants possess the necessary skills and knowledge to help increase web site traffic thus helping increase your bottom line. They research for the most suitable keywords for a client and bid for them on their behalf. SEO professionals go over your web sites? content to ensure that it will be easy for search engines to recognize it. The advertisements that the consultant will make for your web site will always be available and will never fade making search engine optimisation cost-effective. All of the goals can be attained if the proper marketing and promotional strategies are followed. Other benefits of search engine optimisation include high return of investment and increased brand visibility.

There are several points that you need to consider when choosing a search engine marketing consultant. First, the candidate must be a graduate of a reputable school or at least have a search engine optimisation certification. The candidate must also have the know-how to ensure that you will get your money?s worth. You can ask for recommendations from family and friends who might know someone with the kind of expertise that you need, Make sure that he or she can provide high quality search engine optimisation SEO services or you will only end up disappointed. When you find the right person for the job, make sure that he or she will not use black hat search engine optimisation techniques which are considered unethical by the SEO community. SEO professionals must adhere to the guidelines set out by search engines or else you may be penalised.

This entry was posted in SEO and tagged high quality search engine optimisation SEO services, hiring an SEO professional, search engine marketing consultant by gocr7434. Bookmark the permalink.

Source: http://gocrazyseo.org/helping-you-build-your-online-presence/

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U.S. CBO says Supreme Court ruling to reduce gov't healthcare costs

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Source: http://news.yahoo.com/u-cbo-says-supreme-court-ruling-reduce-govt-183916122.html

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Cost of debt ceiling fight: $1.3 billion

A protracted battle over increasing the debt limit last summer increased the country's borrowing costs for months before a deal was struck, a new government report estimates.

NEW YORK (CNNMoney) -- Turns out there's a price to pay for incessant fighting in Congress and political grandstanding.

The federal government spent an extra $1.3 billion to borrow last year because of the showdown over the debt ceiling, the Government Accountability Office reported Monday.

Republicans in Congress and the Obama administration were locked in battle for months over how to raise the country's legal borrowing limit.

"Delays in raising the debt limit can create uncertainty in the Treasury market and lead to higher Treasury borrowing costs," the GAO said.

Indeed, even though bond rates were low last year, the GAO found that the Treasury Department paid a premium on many government securities in the eight months leading up to the eventual deal in August.

The premium reflected the relative risk of government securities to private-sector debt.

Rates on private-sector debt are typically higher than those on government bonds. But the difference between the two narrowed in 2011.

In other words, investors demanded the government pay higher rates than it would have on federal debt with due dates of two years or more.

The GAO, the country's official auditor, also noted that the longer term costs of the 2011 debt limit fight will be higher, since the interest costs that Treasury locked in during the first eight months of the year will be paid out over time.

There were intangible costs as well amidst the months of uncertainty that preceded lawmakers' deal to raise the debt ceiling and the subsequent downgrade of the country's credit rating by Standard & Poor's.

"[M]anaging federal debt ... was complex, time-consuming, and technically challenging," the GAO said.

Congress, of course, will eventually have to raise the debt ceiling again. Exactly when is unclear.

The legal borrowing limit is currently $16.394 trillion.

As of last Thursday, the country's accrued debt stood $559 billion below that limit. If the government continues to run monthly deficits between $100 billion and $125 billion, the debt load may approach the ceiling as early as mid-November.

But Treasury can buy some time with so-called extraordinary measures such as suspending contributions to federal pension plans.

Has Congress learned its lesson about the risks of political brinksmanship ? Apparently not.

For starters,House Speaker John Boehner in May issued the same ultimatum on the debt ceiling that he issued in 2011. He said any debt ceiling increase must be accompanied by an even larger amount of spending cuts.

Since then, both parties have engaged in a battle over the so-called fiscal cliff -- a series of large, overnight tax increases and spending cuts. Combined they would hurt the economy in the short-run if Congress does nothing to replace them with more gradual deficit-reduction strategies.

Just what lawmakers will do about the cliff -- and when -- is unclear. And that uncertainty is already thought to be hurting the economy through a slowdown in hiring and a reluctance among businesses to invest.?

Source: http://money.cnn.com/rssclick/2012/07/23/news/economy/debt-limit/index.htm?section=money_news_economy

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