Saturday, March 31, 2012

VoIP Supply Adds Revolabs FLX Wireless VoIP Conferencing ...


VoIP Supply Adds Revolabs FLX Wireless VoIP Conferencing Systems

VoIP Supply is pleased to announce the addition of innovative Revolabs FLX wireless VoIP conferencing systems. Revolabs is the premier audio solutions provider of wireless unified communications products for free-flowing workspaces uninhibited by cords.

The Revolabs FLX VoIP conference system is the only wireless IP conference phone available today. Used for both audio and video communications, the Revolabs FLX now benefits from Revolabs? revolutionary audio technology that was once reserved for the largest of conference rooms and board rooms. Now, with the FLX, small to medium-sized conference rooms, executive offices, or home offices can leverage the best audio quality with the freedom of wireless mobility.

Not your traditional conference phone, the Revolabs FLX system is a dual-purpose solution eliminating the need for a separate desktop and conference phone. The flexibility of the included wireless FLX dialer is not only used to set up a conference call but it acts just like a regular telephone handset for private calls before, during, or after a conference call.

The Revolabs FLX may be sleek and compact but unlike the small conference phones you?re used to, your group no longer has to huddle around the device or shout across the room to be heard on the other end. Instead, FLX users can enjoy a more natural conference room setting because with the FLX?s separate wireless components you have more freedom to place the speaker, dialer, and microphones where they make the most sense. The FLX comes standard with two interchangeable microphones in your choice of directional, omnidirectional, or a wearable model so that a presenter can move freely about the room.

The Revolabs FLX is also compatible with leading video conferencing system brands, is Bluetooth enabled for connection to your cell phone or computer, has an encrypted voice signal for secure calls, and the FLX system will not steal Wi-Fi bandwidth or interfere with other radio signals.

?Revolabs is bringing a whole new dimension to VoIP conferencing,? said Garrett Smith, Chief Marketing Officer at VoIP Supply. ?Adding the only wireless VoIP conference phone on the market with the Revolabs FLX allows VoIP Supply to provide so much more flexibility for audio and video project collaboration, webinars, Skype, and distance learning.?

Article source: http://www.voipmonitor.net/2012/03/29/VoIP+Supply+Adds+Revolabs+FLX+Wireless+VoIP+Conferencing+Systems.aspx

teresa giudice red ribbon week much ado about nothing sean hayes caroline manzo caroline manzo the haunting in connecticut

Contractor Sales Training

The concept of Contractors is increasing in every field. To achieve better results you must focus on Contractor Sales Training. If you do so, you might get the loyalty of the contractor thus an increase in the sales rate. One major issue with contractors is that since they are working only for certain contract, you cannot really control them, but this same thing can be used otherwise as they are not permanent? if you take them on the right track they might try their level best to prove themselves. One of the incentives that can be given to a contractor is that if they perform well enough they might be hired permanently.

marine corps veterans day 2011 veterans day 2011 cnbc debate family circus spanier walmart black friday ad

RIM complains about Apple stacking vote for nano-SIM standard

Despite offering to license the nano-SIM standard royalty-free, Apple is getting flak from RIM for recruiting additional proxies in the voting process. Nokia had made similar complaints when Apple initially made the proposal to the European Telecommunications Standards Institute.


sag nominations derek jeter time magazine person of the year time magazine person of the year la clippers verizon galaxy nexus verizon galaxy nexus

Foods Featuring Low Calories! | Fish Information - Cyrus Bond17's ...

Negative calorie foods: Are there really any negative calorie foods? To tell the truth, NO there isn?t! Calorie?s are little molecules of heat and as such they cannot be negative. When we say negative calorie foods what we actually mean is items of food we can intake and digest that are able to use more calories than they contain.

Let?s talk water. In actual fact lets chat about Ice Cold Water!

Water has no calories at all and is absolutely a negative calorie food (That is if you call water a type of food?) given that once we drink the ice cold water our body is working to heat up the cold water up to blood temperature, because of this our body is expanding energy and burning up calories.

You know there are a ton of food stuffs available for purchase but not many of those are what we probably would call negative calorie foods. Pretty much all of the food products on the list at the bottom of this page are what we might call negative calorie foods, whilst this actually is incorrect for the reason that they do not in all honesty burn up a whole lot more unhealthy calories than they poses. Of course, when you look at the tiny extent of calories remaining after consuming something like a stick of celery for example, are easily burnt away by doing something as simple as scratching your forehead then you start to have an understanding of precisely why they hold value in a diet program. I hope you now fully grasp what we imply when we talk about negative calorie foods?

Anorexics just really love negative calorie foods, understanding that ought to set your alarm belles ringing. Despite the fact that negative calorie foods are incredibly good in small amounts they simply cannot satisfy all your nutritional necessities in a positive and healthy and balanced way. If you depend upon on just consuming these kinds of foods the obvious outcome will likely be starvation. This is because once all the unwanted calories and fats are removed it would have to turn it?s attentions to the muscle mass of your physique. This behavior would very rapidly turn into debility and wasting of your body as seen in the anorexia illness.

Fasting or detoxing the body is a better method to utilize these food stuffs. By utilising them in this manner it is a good deal more heart-healthy for yourself. By way of example. For those who have ingested a tad bit more than you expected to over the Christmas holidays you can actually choose to detox your body for one to three days by only eating these kinds of negative calorie food products.

So long as you are fairly healthy and fit enough to carry this out it is a terrific strategy to throw out the not so good factors from your system. However I fervently advise you that you get medical assistance preceding to endeavoring on this scheme.

Here are a several suggestions to take into consideration if you ever make the decision to execute a negative calorie detox. Under no circumstances eat considerable sums of any one form of food. Fruit?s by way of example include acids that can probably destroy the abdominal lining if eaten to excess. Some others include the likelihood to over facilitate the liver. Typically put together the foods the best way you possibly can and use them in small but effective proportions for the most desirable success.

Eliminate eating quite frequently. This approach will just make you feel sick and bloated. Bear in mind that this is only a short-term detox and you ought to be capable to get through it with no need of honestly feeling as if you?re that hungry.

If you intend to have 5 or 6 salad meals a day this should help you feel substantially less hungry that will help you through the mental element of things. Try to eat the foods in their inherent state (raw), foods for instance , beets and carrots will want to be grated, this will help make them a lot more desirable and satisfying.

Furthermore bear in mind that by detoxing you could possibly suffer some less than enjoyable symptoms. Things something like irritability, headaches, depression and tiredness. If symptoms are intense, stop the detox and see your doctor. The moment your detox has finished make a slow return to proper eating.

As promised above, here is the list of negative calorie groceries.

* Apples
* Asparagus
* Beets
* Blueberries
* Broccoli
* Cantaloupes
* Carrot
* Cauliflower
* Celery stalk
* Celery root
* Cranberries
* Cucumbers
* Eggplant
* Endives
* Garden cress
* Garlic
* Grapefruit
* Green beans
* Green cabbage
* Lamb?s lettuce
* Lemons
* Lettuce
* Onions
* Papayas
* Pineapples
* Prunes
* Radishes
* Raspberries
* Spinach
* Strawberries
* Tangerines
* Tomatoes
* Turnips
* Zucchini

Remember to utilize this free list of negative calorie foods carefully.

How To Lose Weight Fast For Teenage Girls

Source: http://fishinformation.info/foods-featuring-low-calories.html

cain velasquez vs dos santos cain velasquez vs dos santos oregon stanford oregon stanford darrell hammond darrell hammond boxer rebellion

eastman kodak eastman kodak richard cordray shannon de lima joe torre west virginia university michele bachmann

Friday, March 30, 2012

Are Smart Phones Leading to Smart Buyers? | US Daily Review

By US Daily Review Staff.

Underscoring soaring consumer interest in use of internet and social media to aid in shopping, a new national survey by?Leo J. Shapiro?and Associates (LJS) found that two-thirds of owners use their smart phone to aid in their shopping, and over a third do so while actually inside traditional retail stores.? While at the point of sale for an item, one in ten smart phone owners report doing price checks before they buy.

These new findings point to the striking penetration of smart phone enabled shoppers or ?smart-shopping? into the everyday lives of Americans.

Based on data from a hybrid phone/online study conducted in?December 2011?and February ?2012 with a national sample of 314 smart phone owners, the survey found that sixty-six percent (66%) use their smart phones to aid in shopping, and thirty-eight percent (38%) do so while actually in a traditional retail store.? Smart phone owners are about as likely to access shopping information in the store aisle (29%) as in the rest of the store (25%).

While actually near point of sale, shoppers are most likely to:

  • Look up facts and features (15%)
  • Compare prices at different stores (11%)
  • Read product reviews on retail sites (9%)
  • Compare prices at retailer?s websites (8%)

?Smart phone enabled shopping or ?smart-shopping? is rapidly becoming a mainstream activity for smart phone owners.? Given the rapid rise in smart phone ownership, traditional retailers and product brand managers face a new wave of challenges to serve increasingly informed and independent consumers,? notes?Owen Shapiro, Vice President of LJS. ?The use of point of sale price checks breaks down one of the long-standing advantages held by retailers on ?blind priced? items ? products that consumers buy infrequently or that are low involvement.?

Leo J. Shapiro?& Associates is a strategic research firm that provides a combination of advice and direction based on solid research to clients across a wide range of industries. For more information please visit?http://www.ljs.com.

Have you noticed the many new sponsors on the US Daily Review? They keep coming because it is a great value and they love our content. Find out how you can become a sponsor today by emailing?info@usdailyreview.com.

Source: http://usdailyreview.com/are-smart-phones-leading-to-smart-buyers

a very gaga thanksgiving black friday walmart 2011 sams club dancing with the stars winner too short thanksgiving thanksgiving

Struggling Young Readers Like Kindles

60-Second Science60-Second Science | More Science

Middle school students in a reading improvement class liked using e-readers for a variety or reasons, and felt their reading improved as a result. Sophie Bushwick reports.

More 60-Second Science

Kindles, Nooks and other E-readers catch flack for threatening the future of printed books. But reading itself may get a boost from the devices. For example, a study of struggling students found that the kids felt better about reading after a course in which they used Amazon Kindles. The research is in the International Journal of Applied Science and Technology. [Twyla Miranda et al, Reluctant Readers in Middle School: Successful Engagement with Text Using the E-Reader]

For two months, 199 middle-schoolers in a reading improvement class in Texas had 15-to-25 minutes every day when they were free to read on the Kindle. In general, the students felt the device improved their reading ability. And they tended to enjoy using an e-reader.

They noted the ease of carrying multiple books in one device, and the feeling that reading was suddenly a high-tech 21st century activity rather than a boring waste of time. And some low-level readers who might otherwise be embarrassed to be seen with a simple book liked keeping their peers in the dark about what title they were reading. In the old days, one had to use a fake book-cover to achieve that level of secrecy.

?Sophie Bushwick

[The above text is a transcript of this podcast]


Source: http://rss.sciam.com/click.phdo?i=340e334d760822c22c18ea2847b2ce6d

rondo suspended bay bridge raul ibanez downton abbey season 3 presidents day war of the worlds band of brothers

Iraq says nothing new from Arab summit on Syria

BAGHDAD (AP) ? Iraq's foreign minister says this week's Arab summit in Baghdad will issue a resolution on Syria that offers "nothing new" but will complement international efforts to end the conflict there.

Hoshyar Zebari told a news conference after a meeting of Arab foreign ministers Wednesday that a "marriage" between Arab and international proposals on Syria was likely to force the Syrian regime and its opponents to implement peace plans.

The ministers are offering recommendations on Syria for the Arab heads of state meeting Thursday. These, according to a draft copy obtained by The Associated Press, include calling on President Bashar Assad to implement a cease-fire and let in humanitarian aid. Zebari said the summit will not ask Assad to step down.

THIS IS A BREAKING NEWS UPDATE. Check back soon for further information. AP's earlier story is below.

BAGHDAD (AP) ? Arab countries, divided over how to stop Syria's bloodshed, plan to call for the Syrian regime to halt its crackdown on civilians, let in humanitarian groups and free detainees, according to recommendations Wednesday by foreign ministers preparing for a summit this week.

Even before Arab heads of state began their Thursday summit in the Iraqi capital, Syria sharply rejected any measures they take. A Syrian Foreign Ministry spokesman, Jihad Makdessi, said Damascus would "not deal with any initiative" that might come out of the 22-member Arab League.

The rejection reflected Damascus' refusal to work with the League after the pan-Arab body suspended Syria's membership as punishment for the bloody crackdown on protesters demanding the ouster of President Bashar Assad. The U.N. says that over the past year, more than 9,000 people have been killed in the violence.

Arab countries are divided over how aggressively to intervene in Syria's turmoil. Gulf nations, particularly Saudi Arabia and Qatar, are believed to want to start providing weapons to Syria's rebels and even carve out a "safe area" inside the country that the opposition can use as a staging ground.

Iraq, the host of this week's summit, is more cautious. Baghdad's Shiite-dominated government is close to Iran, Assad's closest ally, and is wary of hurting those ties. On Wednesday, Iraqi Foreign Minister Hoshyar Zebari told Arab foreign ministers gathered in Baghdad that his country rejects foreign intervention in Syria but supports what he called the aspirations of the Syrian people.

"We stress our full support to the aspirations and legitimate demands of the Syrian people to freedom and democracy and their right to determine their future, choose their leaders and the peaceful transition for power," said Zebari, a Kurd.

Zebari sounded more assertive at a news conference, saying Iraq "could no longer remain neutral" in the face of the violence in Syria, its neighbor.

He also said that the Syria crisis was headed toward "internationalization," maintaining that the Arab League already has done all it could to resolve the conflict.

Assad's regime on Tuesday announced its acceptance of an initiative by U.N. envoy Kofi Annan calling for a cease-fire. However, violence continued with clashes between government forces and armed rebels. Syria's opposition is deeply skeptical that Assad will carry out the terms of the peace plan.

Arab foreign ministers on Wednesday were working out recommendations for the heads of state to approve when they meet here Thursday. According to draft recommendations obtained by The Associated Press, the summit would call on Assad to implement a cease-fire, let in humanitarian aid and release all those detained the past year. It also demands he allow peaceful protests, withdraw army troops from urban centers and implement previous Arab League proposals to end the conflict.

Speaking before Zebari, Libya's foreign minister, Ashour Ben Khayil, was much more forceful about the conflict in Syria.

"We witness the tragedy of our brothers in beloved Syria who have, for more than a year, face a tyrannical and harsh regime. Regrettably, the world stands by, unable to take decisive action," he said. "What we witness every day across Syria is genocide ... against a people whose only sin is that they demanded freedom and dignity."

Libya, where longtime dictator Moammar Gadhafi was ousted and killed last year, hosted the last Arab summit, in 2010. Last year's Arab Spring upheavals led to the canceling of the summit, meant to be held in Iraq.

Opposition members accuse Assad of agreeing to Annan's plan to stall for time as his troops make a renewed push to kill off bastions of dissent.

"We are not sure if it's political maneuvering or a sincere act," said Louay Safi, a member of the opposition Syrian National Council. "We have no trust in the current regime. ... We have to see that they have stopped killing civilians."

Annan's plan calls on Damascus to immediately stop troop movements and use of heavy weapons in populated areas and to commit to a daily two-hour halt in fighting to allow humanitarian access and medical evacuations.

Gulf Arab nations, particularly Saudi Arabia and Qatar, have been pushing behind the scenes for more assertive action to end the Syria conflict. Privately, they see little benefit in the Arab League's efforts to reach a peaceful settlement and prefer instead to see a small core of nations pooling together to act on their own.

Among the options they are considering are arming the Syrian rebels and creating a safe haven for the opposition alongside the Turkish-Syrian border to serve as a humanitarian sphere or staging ground for anti-regime forces.

The Sunni-led Gulf countries are hoping that by forcing Assad's fall, they can pull Sunni-majority Syria out of its alliance with Iran and break the belt of Tehran's influence that stretches through Iraq and Syria to the Mediterranean.

A Sunni-ruled Syria would give the U.S.-allied Gulf Arabs a significant victory in their long-running power struggle with non-Arab, mainly Shiite Iran.

In a sign of their cool ties with Baghdad's Shiite leadership, most ? perhaps all ? rulers of the Gulf nations were likely to stay away from the summit and send lower-level officials. Jordan's King Abdullah, also a Sunni, is not attending, sending his prime minister in his place, the government announced.

In a possible breakthrough in Iraq's relations with Bahrain, Iraqi Prime Minister Nouri al-Maliki met on the sidelines of Wednesday's meeting with Bahrain's foreign minister, Sheik Khalid bin Ahmed Al Khalifa.

No details emerged from their meeting.

Relations have been tense since Iraqi politicians publicly criticized last year's crackdown by Bahrain's Sunni-led regime against the nation's Shiite majority.

Shiite-ruled Iraq is hosting the summit to show that it has emerged from years of turmoil and American occupation. But a massive security operation in Baghdad mirrors fears that Sunni militants could try and disrupt the meetings.

Central Baghdad was virtually deserted on Wednesday, with hundreds of heavily armed troops and policemen deployed in full combat gear. The summit venue is a palace once used by Iraqi dictator Saddam Hussein and is located inside the "Green Zone," a highly secure area on the west bank of the Tigris River where the Iraqi prime minister's office and the U.S. and the British embassies are also located.

"Iraq does not search for a role or seek a role," Zebari said in defense of the $500 million cost of preparing for the Arab summit. "Iraq's history is carved in history."

___

Associated Press writer Albert Aji in Damascus contributed to this report.

Source: http://news.yahoo.com/iraq-says-nothing-arab-summit-syria-160843897.html

sister wives st louis weather jack the cat frank lucas lego man lego man cheryl hines

Thursday, March 29, 2012

Planninga from Nanninga: A Strategic Planning Blog: Strategic ...


THE STORY
Imagine what it would be like if car dealers had only one model of car available to sell. Regardless of who I am or what type of one model they had, I?m sure the salesperson would have a rationale for why that was the perfect car for a person like me.

And if the next customer was completely different from me, that salesperson would have a rationale for why that same car was the perfect match for them as well.

In fact, I?m sure that salesperson would have a rationale for almost anyone as to why that was the perfect car for them. After all, he only has one model to sell, so he has to convince you that this is the model for you to buy. Even if it is really not the car for you.

Beware of the salesperson with only one choice.

THE ANALOGY
Although car dealers have lots of models to try to sell you, there are many businesses which have only one or two items to sell. Included in that second list is often many business gurus and consultants.

Often times, they have had success with a particular business approach in the past. They?ve probably written a book about it. Now they want to use that same approach at your business. They are like the car salesman with only one car to sell. They will try to convince you that their approach is just right for you. They will point out their prior successes to ?prove? that you should do it, too. After all, it is the only thing they have to sell, so sell it they will?regardless of who you are.

Of course, the problem is that businesses are a lot like people. They aren?t all alike. Just as there is no one-size-fits-all automobile, there is no one-size-fits-all approach to business strategy.

There?s a reason why car dealerships have a variety of models to sell. Not everyone needs or wants the same thing. And all businesses should not need or want the same strategic solution.

Beware the business consultant with only one choice.

THE PRINCIPLE
The principle here is that there is no one best strategic solution for everyone. And that?s a good thing. After all, if there was only one strategic solution, then you would only need one company within an industry?the one operating that one strategy best. Everyone else would be an inferior redundancy. And if you are not that one company, then there would be no reason for your company to exist.

Fortunately, the variety within the marketplace allows for a variety of go-to-market strategies. This provides viable options for lots of participants.

Start With the Right Question
So, to begin the strategy quest, be sure to start with the right question. The wrong first question to ask is ?What is the best strategy?? That?s a bad question because there is no best strategy. Just as there is no one best car for everyone, there is no one best strategy for all businesses.

The right strategy for a small entrepreneur may be very different from the best strategy for a huge Fortune 100 multinational firm. They have different resources, different strengths, different capabilities. Forcing them to take the same approach to achieve the same ends would be a mistake.

Instead, the right first question to ask is ?What is the best strategy for my business?? The point is that who you are is just as important as what you do. There must be a fit between the two. Until you understand who you are in relation to the marketplace, you don?t know what moves make the most sense for your business.

Strategies are about finding places where you can win. If you are short, you will not win at basketball, no matter how successful basketball may be for tall people. You need to find the sport where your talents have the best chance of winning.

So if a business consultant comes in saying ?I have the best strategy solution,? tell that consultant they are answering the wrong question.

Judge a Salesperson by their Questions
How can you tell if a business consultant is answering the right question? Check to see if their opening moves are more about telling or more about asking. If they immediately start out by telling you what must be done, this probably means that they have a preconceived notion of what is best and they are going to shove it down your throats whether it is appropriate or not (like the car dealer with only one car).

By contrast, if they start out by asking a lot of questions about your business and your company, then they realize that the best solution depends on how it fits with who you are. Therefore, they need to ask you a lot of questions about who you are in order determine the best solution for you.

This is what a good consumer-centric car salesperson will do. They will ask you a lot of questions, like how you plan to use the vehicle, what are critical concerns, etc. Only after they first understand your situation will they begin to make a recommendation.

Beware of ?Proof by Example?
The one-solution consultant will often try to impress you with how superior their solution is via examples. They show how others used this process to great success. Therefore, it should work for you, too.

But here is the problem with examples. Yes, you can find examples of businesses which succeeded with a particular approach. But if you look long enough, you can find examples of companies which failed with that same approach. In addition, you can find examples of successes and failures for all of the approaches. Consequently, an example of a success by one company with a particular approach does not guarantee that you will have a similar success with that approach. And it doesn?t prove that you wouldn?t have even more success with an alternative approach.

That is why in the US, the law requires that advertisements for weight loss products must put a disclaimer on their examples and say that not everyone will lose as much weight as those shown in the examples. Otherwise, the examples can be deceptive.

I remember reading about a company which had an inferior product that most customers didn?t like. They received lots of complaints. However, one day they got a letter from a satisfied customer (their first ever). They used that one satisfied customer in their advertising, and sales rose dramatically (even though the product was still bad). Yes, it was an example of success. But it was not a fair representation of reality.

So beware of blindly accepting examples as proof of future success. Ask yourself how similar your situation is to the one in the example. Check to see if there have been failures. Find out what the differences were between the successes and the failures.

Leaders Aren?t Imitators
Finally, there is the concept of ?first mover advantage.? The principle is that those who stake an early claim to a strategic position tend to have an advantage over late-comers. Early participants have a better opportunity to claim ownership of the position in the consumers? mind, because the consumer has no preconceived leader already in their head. These early arrivers easily claim the customers looking for this position at a time when there is less competition.

By the time the late-comers arrive, customers are already satisfied with the early arrivals. The customers now already have a firm leader in their mind (one of the early arrivals) who owns the space. The late-comer has to work harder to steal away well-entrenched market share. As a result, the early arriver tends to be more successful.

If the business consultant is proposing an approach which succeeded in the past, that success may have been a result of first mover advantage. Others following in their path will be late arrivers and not see the same advantages. Therefore, the approach may not work as well anymore. I spoke more about this concept here.

If you want success, that often requires staking out new claims in new territories with new business models. And this won?t happen if you are always trying to imitate successes of the past. If you imitate the leader, then you will always be a follower. And followers rarely have the advantage. So beware of consultants who want you to blindly follow old rules and will not take risks to be innovative with you.

SUMMARY
Strategic planning is a very personal thing. The right strategy depends on the particular company and their particular situation. It is not a one-size-fits-all process. Therefore, it can be a mistake to just pull a strategy ?off the shelf? which worked for others and expect it to work for your firm. If you call in a strategy consultant to help you with your strategy, make sure they understand this principle. Become very nervous if the consultant has a preconceived notion about a single approach that they want to force on every client.

FINAL THOUGHTS
There?s a reason why car salesmen and consultants are often held in low esteem by society.

Source: http://planninga-from-nanninga.blogspot.com/2012/03/strategic-planning-analogy-444-beware.html

twas the night before christmas norad santa epic beard man nfl standings giants vs jets chargers seahawks

Self Assistance Assistance That Could Drastically Enhance Your ...

Developing the habit of positive thinking can improve your attitude, and will lead to significantly better things because you might be a lot more open to them. This write-up includes some suggestions to help you begin a journey of private development, have you thinking differently, and strengthen your high quality of life.

?

Do not overdo it when you find yourself attempting to achieve your personal development goal. Doing your best is essential, but you also have to understand what your most effective is and not go past it. You should keep your body in mind when you find yourself trying to accomplish something. Brief-transforming your body in order to meet private development goals is really a terribly counter-beneficial form of self-improvement.

?

Go out of your method to give other folks compliments. Doing the actual opposite and becoming kind to others will assist you be kind to oneself. Talk to a professional doctor to stop or prevent any kind of dangers of vasectomy.

?

Taking methods to make improvements to your overall health is a very important part of private development. You will learn the most effective techniques to stay motivated and recognize the significance of a reliable diet and work out for your mind. When you are healthy, you really feel your most effective and consequently could be far more effective in all of the other areas of your life.

?

You must shoot to be the best at whatever it is which you do. Your aspiration to greatness is generally pointed to by your passion. Even although simply being the very best at everything you do is out of your reach of a lot of people, everyone is able to make an effort to be an inspirational accomplishment inside their certain niche. Constantly make an effort to boost your worth in the discipline you work in, then enjoy what it does for the self-esteem.

?

A single very simple part to the individual improvement is doing stuff to the benefit of other individuals. It might be hard at first, but do your top to generate sacrifices and assistance others. Building sacrifices for others will help you to transcend feelings of selfishness and jealousy.

?

You must continually have an idea as to that which you private values are prior to you develop a strategy for individual development. If you focus on stuff that don?t make a difference to you, your objectives will hardly ever truly make sense. Instead, spend your time and energy on areas in your life you wish to develop that also synchronize in your personal values. If you make this happen, that you are much more likely to building lasting adjustments that can have an impact on you equally personally and professionally.

?

Having trouble meeting a significant other in your life? Have you considered internet dating? There has been quite some couples nowadays that have met on the web. Who knows? Maybe you can put the web to job for you to get your soul mate. Both websites have positives and negatives.

?

Read through some fantastic books about private improvement. Having a reliable personal improvement book can give you insight and help and advice which will generate a difference in your life forever. Check out choosing a book that has a number of positive evaluations since several books in the genre are not very well written.

?

Humility is essential in your good results. We are all but tiny dots in the scope of this universe. You continue to have so significantly to learn and find out. Keep this in mind and wide open oneself to the opportunity to discover from others. By trying to keep an open up mind in all conditions, you can let others teach you.

?

Research various people that are currently, or have been successful in the past, and see how they got to that point of success. Don?t think of your individual improvement to be a journey with an end. Think of it as a permanent way of living change. Studying what others have learned will positively influence your own personal development.

?

In terms of individual development, the knowledge of failure may well feel disheartening and decrease self esteem. Approach your failures as opportunities to discover. Failure can teach you an excellent deal about what your strengths and also your weaknesses are. Imagine a malfunction as being a discovery about yourself, perhaps as an adjustment to reality.

?

Get a step to cure your anxiety by going having a friend to a movie. Movies are social settings, however they do not require conversation or uncomfortable socialization. In addition, it enables you to accustom yourself to being in an surroundings with quite a few other people.

?

{A quality attitude is essential to private growth. A negative attitude won?t assist you to advance in life and may well basically lead you down the wrong path. Concentrate on a positive outlook instead, recognizing that this may job to suit your needs, and not against you, in achieving your objectives.

?

}You need to have some ideas on how it is possible to fix the areas of your life that are dragging you down, whether its your own personal attitude or habits. Employing these easy guidelines can help you get started out in your private development, and ways to change oneself and also your life to the significantly better.

Source: http://www.sharpsenator.com/blog/male-enhancement-help/self-assistance-assistance-that-could-drastically-enhance-your-life

obama budget woolly mammoth belize resorts nikki minaj grammy performance shel silverstein niki minaj grammy performance grammys 2012

Wednesday, March 28, 2012

Budgeting For Kids

Budget March 29th, 2012

Budgeting For Kids
Budgeting For Kids


Debt Stress: Teen Budgeting [VHS]


Debt Stress: Teen Budgeting [VHS]

Managing money is not always an easy feat. You have to know how much you have to spend, what bills you have to pay with it, whether or not you are going to save or invest it or whether or not you are just going to spend it on a movie and a new pair of shoes. Money and financial responsibility go hand in hand. Find out how to manage your money, live within your means and stay out of debt?.


Payday with FREE Set of Dice


Payday with FREE Set of Dice

$14.89

The classic game of Payday makes family finance fun as it reminds everyone just where the money goes. Players take turns along the game board, which is designed as a 31-day calendar. You could make a big profit or lose your shirt on a bad investment and have to take out a loan to pay the bills as they pile up. Don?t worry, you might win the lottery or hit the jackpot and pick up money. At the end ?


My Smart Budget Kit


My Smart Budget Kit

$49.94

Who is My Smart Budget?
At My Smart Budget, we are committed to expanding the way children experience money and their success with it.

My Smart Budget does:
My Smart Budget offers an innovative budgeting program that empowers children to become financially savvy adults.

My Smart Budget?s goal:
My Smart Budget?s goal is for every child to become ?Money Wise for LifeTM? and every parent to ?Send T?


Safe Spend Budgeting Calculator


Safe Spend Budgeting Calculator

Safe Spend is a Budgeting Calculator that allows you to control your spending habits, whether it is personal, work, holiday budgeting, bills and more! This handy gadget summarises all spending in one place, providing instant spending analysis tools for making better & safer spending decisions?well, that?s the theory anyway!Safe Spend shows you how much you?re spending and on what. Every time you?


The Wall Street Journal. Financial Guidebook for New Parents


The Wall Street Journal. Financial Guidebook for New Parents

$7.22

A practical approach to affording your kids from cradle to college.Bringing home your bouncing baby boy or girl should be an exciting time of celebration?not cause for worry about how you?re going to pay for feeding, clothing, and caring for your new bundle of expenses. The average family will spend between $11,000 and $16,000 during a new baby?s first year, and more than $200,000 before a k?


A Simple Book of Financial Wisdom: Teach Yourself (and Your Kids) How to Live Wealthy with Little Money


A Simple Book of Financial Wisdom: Teach Yourself (and Your Kids) How to Live Wealthy with Little Money

$10.51

This easy-to-understand book gives specific steps you can take right now to become more financially secure. Danny teaches how to:* Raise a family of four on less than $40,000 a year* Easily track your expenses and spending* Save over $5,000 a year* Establish an emergency fund* Pay-off all your debt* Invest for retirement and college* Teach your child(ren) how to manage money* Live a ?wealthy? life?


The $5 a Meal College Cookbook: Good Cheap Food for When You Need to Eat


The $5 a Meal College Cookbook: Good Cheap Food for When You Need to Eat

$5.97

Say goodbye to the dining hall! Need a break from the monotony of your meal plan? Can?t afford to waste money on lukewarm takeout? Well, now you can ditch the dining hall?s soggy excuse for the Monday-night special thanks to this appetite-saving book packed with cheap, easy, and delicious recipes. Offering up more than 300 hassle-free dishes, this cookbook will not only satisfy your hunger but you?


[mage lang="en|es|fr|en" source="Article Base" backup="article"]Budgeting For Kids[/mage]
GreenStreet Kids ? Ona Budget


Beyond Budgeting by Moeini, Hassan [Paperback]


Beyond Budgeting by Moeini, Hassan [Paperback]

$27.53

Scholary Paper aus dem Jahr 2005 im Fachbereich Wirtschaft Investition und Finanzierung, Note: 1,6, University of Wales, Newport,, 32 Eintragungen im Literaturverzeichnis, Sprache: Englisch, Abstract: This report will discuss the advantages and disadvantages of budgeting. It will demonstrate the effects of applied budgeting in todays enterprises. Alternatives to the traditional budgeting process will be given; consisting of Better Budgeting as an improvement of the system and Beyond Budgeting as a way of abolishing the whole process Author: Moeini, Hassan Binding Type: Paperback Number of Pages: 28 Publication Date: 2007/11/26 Language: English Dimensions: 5.51 x 8.50 x 0.07 inches


EP Movie Magic Budgeting 7


EP Movie Magic Budgeting 7

$499

Entertainment Partners Movie Magic Budgeting 7 is an innovative budgeting and cost estimation tool used by the top production professionals around the world. It features an intuitive, flexible format that allows users to create and edit comprehensive budgets of all sizes, for all types of productions.


Talicor 808 Moneywise Kids Educational Game


Talicor 808 Moneywise Kids Educational Game

$25.61

Two simple fast paced games to improve valuable math skills that kids will use all their lives: making change and budgeting money. Includes facsimiles of real U.S. money plus tips that parents and teachers can use to connect Moneywise play with the real world. Ages 7 and Up 2 Players


Reinventing Budgeting By Seal, W. B./ Ball, Amanda


Reinventing Budgeting By Seal, W. B./ Ball, Amanda

$105.92

Author: Seal, W. B./ Ball, Amanda Subtitle: The Impact of Third Way Modernisation on Local Government Budgeting Publication Date: 2008/07/21 Number of Pages: 91 Binding Type: Paperback Language: English Depth: 0.25 Width: 6.25 Height: 9.25


Budgeting saves lives  Humor Large Mug by CafePress


Budgeting saves lives Humor Large Mug by CafePress

$18

Budgeting saves lives Humor Large Mug Super-size your favorite beverage or just size-up to avoid spills with our hefty, 15 oz. ceramic Large Mug. Large easy-grip handle. When you need more, mug it up. Measures 4.5 tall, 3.25 diameter. Dishwasher and microwave safe.


Movie Magic Budgeting 7 & Scheduling 5 Bundle


Movie Magic Budgeting 7 & Scheduling 5 Bundle

$758

Movie Magic Budgeting is an innovative budgeting and cost estimation tool used by production professionals around the world. It features an intuitive, flexible format that allows users to create and edit comprehensive budgets of all sizes, for all types of productions.Movie Magic Scheduling is a software solution that thinks the way schedulers think, featuring powerful new tools that provide increased flexibility and versatility in the way schedules can be created and viewed.


Saddleback Educational Publishing 9781616514075 Budgeting and Banking Math


Saddleback Educational Publishing 9781616514075 Budgeting and Banking Math

$31.02

The reproducible lessons in each of the six books in this series presents topics students are likely to encounter in everyday life. Each book contains problems that involve estimation equations mental math calculators and critical thinking. Additional conceptspecific skills in each book include graphing averages statistics ratios and measurement. These 112page reproducible books include teacher notes and tips answer keys reference guides lessons unit reviews and more. Budgeting and Banking Math. Author: Saddleback Educational. Publishing Date: Dec 2010. Series: Lifeskills Math. Binding: Paperback. Age Range: General/Trade. Reading Level: 6.0. Interest Level: 6 to 12. Language: English. Width: 206mm. Height: 269mm. Spine: 13mm.


Implementing Beyond Budgeting By Bogsnes, Bjarte


Implementing Beyond Budgeting By Bogsnes, Bjarte

$44.92

Author: Bogsnes, Bjarte Subtitle: Unlocking the Performance Potential Publication Date: 2008/12/03 Number of Pages: 216 Binding Type: Hardcover Language: English Depth: 1.25 Width: 6.25 Height: 9.00


Handbook of Budgeting By Lalli, William Rea


Handbook of Budgeting By Lalli, William Rea

$261.61

Author: Lalli, William R. (EDT) Series Title: Wiley Corporate FA Publication Date: 2012/02/01 Number of Pages: 846 Binding Type: Hardcover Language: English Depth: 1.25 Width: 7.25 Height: 10.00


Kids


Kids

$12.49

Kids ? Masterprint


Frequently Asked Questions About Budgeting and Money Management By Moore, Andrew


Frequently Asked Questions About Budgeting and Money Management By Moore, Andrew

$44.21

Describes budgeting and finance management for teenagers, including determining income versus expenses, controlling credit card use, and starting a business. Author: Moore, Andrew Series Title: FAQ: Teen Life Publication Date: 2008/09/01 Number of Pages: 64 Binding Type: Library Grade Level: 79 Language: English Depth: 0.50 Width: 7.00 Height: 10.00


Budgeting Basics and Beyond By Shim, Jae K./ Siegel, Joel G./ Shim, Allison I.


Budgeting Basics and Beyond By Shim, Jae K./ Siegel, Joel G./ Shim, Allison I.

$108.84

Budgeting Basics and Beyond, 4th Edition is a practical, easytouse problemsolver and uptodate reference tool for todays financial and nonfinancial managers in public practice and private industry. It is packed with case studies, illustrations, exhibits, forms, checklists, graphs, samples, and workedout solutions to a wide variety of budgeting, planning, and control problems. It is a truly valuable resource guaranteed to make the budgeting process effective and hasslefree for all managers who useit. The new edition includes new cost cutting strategies, software packages updates, cloud computing nd, new use of Excel for exponential smoothing, Minitab and SPSS, and updates on cash flow software. The book also includes financial planning and new types of financial modeling, variance analysis, Webbased budgeting, active budgeting illuminating whatif analyses throughout, spreadsheet applications, breakeven analysis, project analysis, and capital budgeting Author: Shim, Jae K./ Siegel, Joel G./ Shim, Allison I. Series Title: Wiley Corporate FA Publication Date: 2011/11/01 Number of Pages: 544 Binding Type: Hardcover Language: English Depth: 1.75 Width: 6.25 Height: 9.25


Kids Call


Kids Call

$24.99

Kids Call ? Photographic Print




Source: http://budgetingyourmoney.org/budgeting-for-kids/

will kopelman casey anthony leann rimes dakota fanning casey anthony video diary joe johnson lamarcus aldridge

ClubMonaco.Com: Sneak Preview Of New Online Store | Style ...

We are gearing up for the launch of Club Monaco?s new online store ? we can predict a bunch of late-night shopping sprees already. We?re also having a lot of fun just previewing their new online store and all it has to offer.

It?s a clean, simple platform that is easy to shop and you guys will love it. Besides their own merchandise and the fantastic Tommy Ton X Club Monaco collaboration of bags, you will also find classics such as Ray-ban sunglasses and Havaianas slippers for sale.

If you want to access their online store before it becomes available to the public, simple ?Like? Club Monaco?s Facebook page and wait for the preview announcement.

Source: http://www.styleflavors.com/clubmonaco-com-sneak-preview-of-new-online-store/

truffles demaryius thomas transtar 316 william daley bcs championship game alabama vs lsu

Tuesday, March 27, 2012

HTC T328w to be the Wind beneath Chinese consumer wings?

Image
Invasion of the One S chassis snatchers? That certainly seems to be the case here, as a render and listing for the T328w -- what is supposedly HTC's Wind -- has popped up over on Chinese site, Tenaa. The dual-SIM 4-inch handset, sporting an uncanny resemblance to its mid-tier look-alike, will purportedly occupy a lower rung on the smartphone scale, toting a single-core 1GHz CPU, 512MB RAM, a rear 5 megapixel shooter and WCDMA bands with support for HSDPA and HSUPA. From that list of internals alone, the unit sounds more like a dressed-up, specced-down One V, albeit without that idiosyncratic lip. On the software side, we're looking at Ice Cream Sandwich smothered in Sense 4a -- presumably, a localized variant of the OEM's newest UX. With a global rollout for the One line slated for this spring, our friends to the East could be seeing this device breeze its way onto retail shelves sooner than later.

HTC T328w to be the Wind beneath Chinese consumer wings? originally appeared on Engadget on Mon, 26 Mar 2012 16:04:00 EDT. Please see our terms for use of feeds.

Permalink AndroidCentral  |  sourceTenaa  | Email this | Comments

Source: http://www.engadget.com/2012/03/26/htc-t328w-to-be-the-wind-beneath-chinese-consumer-wings/

who won dancing with the stars 2011 five iron frenzy wild horses lyrics sweet potato recipes green bean casserole recipe karina smirnoff pumpkin cheesecake

Venus Williams rallies for win at Key Biscayne

KEY BISCAYNE, Fla. (AP) ? Weary winner Venus Williams stood near the net swatting souvenir balls to cheering fans, but a marathon match had taken its toll, and one of her attempts didn't even reach the stands.

Williams had already expended all her energy, erasing a match point and outlasting Aleksandra Wozniak 4-6, 6-4, 7-6 (5) in Sunday's third round at the Sony Ericsson Open.

Her career comeback now includes a come-from-behind win. Williams is playing in her first tournament since withdrawing from the U.S. Open last August after being diagnosed with a fatigue-causing autoimmune disease.

The three-set victory was her second in less than 48 hours, and took nearly three hours.

"I just kept coming back," Williams said. "I tried not to let anything discourage me."

Other winners included Rafael Nadal, bidding for his first Key Biscayne title, and two-time champion Victoria Azarenka. American John Isner was eliminated.

Wozniak served for the match at 5-4 in the final set, but dumped a forehand in the net when she had a match point. Talking later about the situation, Williams claimed to be unaware Wozniak had been so close to victory.

"She had match point?" Williams said. "Oh no. Thank God I'm oblivious to the score a lot of times."

The tiebreaker swung Williams' way when she smacked an overhead that clipped the net cord before landing softly for a winner and a 4-2 lead. On the final point, she somehow found the strength to whack a 119-mph service winner.

"That's the serve I wanted ? just a big one to hopefully force the issue," Williams said. "Thank God it went in. Wow."

She'll need to recover quickly for a fourth-round match Monday night against No. 15-seeded Ana Ivanovic, who beat No. 20 Daniela Hantuchova 6-2, 7-6 (2).

Nadal, seeded No. 2, defeated 33-year-old Radek Stepanek 6-2, 6-2 and has lost only six games in two rounds.

"Good, solid start of the tournament," Nadal said. "Two good matches, comfortable wins."

The No. 10-seeded Isner, coming off a runner-up finish at Indian Wells a week ago, lost to No. 19 Florian Mayer, 6-4, 6-2. No. 4 Andy Murray, the 2009 champion, advanced in a walkover when Milos Raonic withdrew because of a sprained right ankle.

The top-ranked Azarenka improved to 25-0 this year by beating wild card Heather Watson 6-0, 6-2.

On a sweltering spring afternoon, Williams looked lethargic at the outset, struggled with an erratic forehand and kept falling behind. She played with straps on her right ankle and right calf, and often seemed a step late to the ball.

"Wake up, Venus!" a fan shouted in the second set. Younger sister Serena, who plays her fourth-round match Monday, watched solemnly from the club section of the stadium.

"I didn't feel that great, and I was kind of starting to panic," Venus said. "I needed to calm down and try to figure out a strategy that was going to work a little better than what I was doing at the moment."

She managed to pull even after two sets, then fell behind 4-2 in the third set and looked increasingly weary. During one changeover she hung her head for 15 seconds before slowly lifting it to take sips from two drink bottles.

Wozniak looked fresher, but the wild card from Canada couldn't serve out the match. Instead, the opportunity unnerved her. She hit consecutive double-faults and committed unforced errors on the game's final three points, which made it 5-all.

Play continued for another half hour before another match point, this one held by Williams. After her service winner clinched the victory, she managed to raise both fists and muster a smile.

A former No. 1 and seven-time Grand Slam singles champion, Williams is ranked No. 134 and needed a wild card to enter the tournament. She's trying to improve her ranking enough in the coming weeks to qualify for the London Olympics.

"Whenever things look bleak, I think about the Olympics," Williams said. "That keeps me motivated."

Source: http://news.yahoo.com/venus-williams-rallies-win-key-biscayne-212133947--spt.html

al mvp ama awards 2011 ama awards 2011 uekman uekman music awards music awards

Senegal's Sall hails new era after poll victory

[ [ [['Afghan security forces and police killed three', 3]], 'http://yhoo.it/H9BcJE', '[Related: Bales\' wife on his alleged shooting: \'He would not do that\']', ' ', '630', ' ', ' ', ], [ [['looking for fireworks between the opposing camps', 16]], 'http://yhoo.it/GSvEsj', '[RELATED:\?It?s going to be a circus\?: Activists begin protests outside Supreme Court]', ' ', '630', ' ', ' ', ], [ [['entirely respectable way to put off the searing constitutional controversy', 8]], 'http://yhoo.it/GE6jSh', '[RELATED: Obama\?s health care law passed 2 years ago, but where are we now\?]', ' ', '630', ' ', ' ', ], [ [['Witnesses said the gunman pulled up on a black scooter', 7]], 'http://yhoo.it/GzwOIW', '[Related: New York police tighten security at Jewish sites]', ' ', '630', ' ', ' ', ], [ [['test Zimmerman for alcohol or drugs', 11]], 'http://yhoo.it/Gzn6VF', '[Related: White House says Trayvon Martin is local issue]', ' ', '630', ' ', ' ', ], [ [['entirely respectable way to put off the searing constitutional controversy', 12]], 'http://news.yahoo.com/photos/tea-party-activists-defy-rain-to-rip-obama-health-care-law-slideshow/', 'Click image to see more photos', 'http://l.yimg.com/a/p/us/news/editorial/4/31/431f2f4f7ed388d5bc5557b0a76267fa.jpeg', '450', ' ', 'Reuters/Jonathan Ernst', ], [ [['associated with such a small earthquake', 4]], 'http://yhoo.it/GTco9z', 'Click image to see more photos', 'http://l.yimg.com/a/p/us/news/editorial/0/b4/0b493c1a47b6e3f97f8f48a2b251d7d4.jpeg', '630', ' ', 'AP Photo/Carrie Antlfinger', ], [ [['Fox News host Geraldo Rivera sparked outrage', 3]], 'http://yhoo.it/GKMVTk', 'Click image to see more photos', 'http://l.yimg.com/a/p/us/news/editorial/2/7c/27c7367bc512d233ae1790b320a5e92c.jpeg', '630', ' ', 'AP Photo/John Minchillo', ], [ [['The charges signed against Bales include', 1]], 'http://yhoo.it/wZT5zV', 'Click image to see more photos', 'http://l.yimg.com/a/p/us/news/editorial/7/a0/7a07c51b2aa0f39b1a23355046d13870.jpeg', '512', ' ', 'AP Photo/DVIDS\, Spc\. Ryan Hallock\, File', ], [ [['George Zimmerman, if I had a son', 6]], 'http://news.yahoo.com/photos/thousands-protest-fla-teen-death-1332387124-slideshow/', 'Click image to see more photos', 'http://l.yimg.com/os/152/2012/03/22/d761a49f3fcc99080a0f6a70670053cd-jpg_150905.jpg', '500', ' ', 'AP Photo/John Minchillo', ], [ [['Mohamed Merah', 10], ['prosecutor Francois Molins', 5]], 'http://news.yahoo.com/photos/four-dead-in-french-jewish-school-shooting-1332173151-slideshow', 'Click image to see more photos', 'http://l.yimg.com/cv/ip/ap/default/120321/2012_03_21t151508z_425380421_gm1e83l1sqs01_rtrmadp_3_france_shootings_raid.jpg', '630', ' ', 'REUTERS/Jean-Paul Pelissier', ], [ [['Shortly after he wrapped up his victory remarks', 2]], 'http://news.yahoo.com/photos/4-straight-romney-wins-washington-gop-caucus-1330835515-slideshow/', 'Click image to see more photos', 'http://l.yimg.com/a/p/us/news/editorial/3/e9/3e9b0082c3c3111dcc19e3527ae94cc7.jpeg', '500', ' ', 'AP Photo/Steven Senne', ], [ [['best understands the problems of average Americans', 2]], 'http://news.yahoo.com/photos/4-straight-romney-wins-washington-gop-caucus-1330835515-slideshow/', 'Click image to see more photos', 'http://l.yimg.com/a/p/us/news/editorial/3/e9/3e9b0082c3c3111dcc19e3527ae94cc7.jpeg', '500', ' ', 'AP Photo/Steven Senne', ], [ [['Group for Historic Aircraft Recovery', 7]], 'http://yhoo.it/GB2RVy', 'Click image to see more photos', 'http://l.yimg.com/os/152/2012/03/20/photo-1332257995646-4-0-jpg_171722.jpg', '630', ' ', 'AFP', ], [ [['xxxxxxxxxxxx', 11]], 'http://news.yahoo.com/photos/russian-grannies-win-bid-to-sing-at-eurovision-1331223625-slideshow/', 'Click image to see more photos', 'http://l.yimg.com/a/p/us/news/editorial/1/56/156d92f2760dcd3e75bcd649a8b85fcf.jpeg', '500', ' ', 'AP', ] ]

[ [ [['opportunity to tell the real story', 7]], '28731764', '0' ], [ [['entirely respectable way to put off the searing constitutional controversy', 7]], '28723797', '0' ], [ [['point of my campaign is that big ideas matter', 9]], '28712293', '0' ], [ [['As the standoff dragged into a second day', 7]], '28687424', '0' ], [ [['French police stepped up the search', 17]], '28667224', '0' ], [ [['Seeking to elevate his candidacy back to a general', 8]], '28660934', '0' ], [ [['The tragic story of Trayvon Martin', 4]], '28647343', '0' ], [ [['Karzai will get a chance soon to express', 8]], '28630306', '0' ], [ [['powerful storms stretching', 8]], '28493546', '0' ], [ [['basic norm that death is private', 6]], '28413590', '0' ], [ [['songwriter also saw a surge in sales for her debut album', 6]], '28413590', '1', 'Watch music videos from Whitney Houston ', 'on Yahoo! Music', 'http://music.yahoo.com' ], [ [['keyword', 99999999999999999999999]], 'videoID', '1', 'overwrite-pre-description', 'overwrite-link-string', 'overwrite-link-url' ] ]

Source: http://news.yahoo.com/senegals-sall-hails-era-poll-victory-021441218.html

john carter trans siberian orchestra trans siberian orchestra little big town little big town bennett bennett

Reasons To Have An IRA Or 401k | Self Directed IRA 401K Wealth

Did you know that the Social Security Administration?s trustee report stated that Social Security will begin to run a negative cash flow by the year 2017 and by the year 2036 will not be able to pay full benefits? With the impending Social Security crisis and dramatic reduction in pensions, it is imperative to begin planning for your financial future today.

Social security might not be enough to secure your financial future. That?s why the government created the different retirement savings plans, to help you save for your future. IRA and 401k investments grow tax free or tax deferred and compounds over time which maximizes your ability to grow wealth. There are many advantages to these plans and the advantages will depend in part on the plan itself.

IRA And 401k Plan Advantages include:

A. Compound Interest? Albert Einstein once said that ?compound interest is the most powerful force on earth?. This is because compound interest occurs when you not only earn interest on your original investment sum, but also on the interest earned on the original sum.
Let?s look at a simple example of the power of compound interest. Let?s say at age 25 you decide to cut out your daily coffee routine at the local coffee shop saving you $4.50 a day. That would equate to a little over $136 per month. If you received 8% in compounding interest each year, you would have $25,533 after 10 years. So after 20 years, you?d receive $80,658 and after 40 years when you are age 65, you?d have an amazing $456,602.

B. Tax Deferred and Tax Free Profits ? This great power of compound interest is increased dramatically in tax advantage accounts such as IRAs and 401ks since the tax free or tax deferred portion also grows each year. For example, if you were to contribute $5,000 a year to a tax advantaged account like an IRA or 401k and assume an 8% compound interest rate of return for 30 years, your bank account would be worth $561,416 at the end of year 30. If you made the same investment in a non-tax sheltered environment (a fully taxable account), assuming a 28% tax rate, it would be worth $373,985 instead of $561,416. This is a whopping difference of $187,431. As you can see, in the graph below, the effect of taxes on your savings can be dramatic.

C. Tax Deductions ? Certain IRAs and 401ks allow you to reduce your taxable income today while saving for your future. For example, if you contributed $5,000 to a Traditional IRA this year, and if you meet qualified income levels, you are eligible for a $5,000 tax deduction when filing your tax return. In a 401k, you can deduct up to $17,000.

D. Protected from Creditors ? IRAs and 401ks are afforded protection from bankruptcy through the Employee Retirement Income Securities Act (ERISA) under the US Department of Labor and thus generally are shielded from creditors in bankruptcy proceedings.

E. Wealth For Future Generations ? Some types of government sponsored savings plans allow the passing of assets to beneficiaries after death while avoiding taxes. This benefits your family?s financial future by leaving valuable assets to your loved ones without the burden of taxes. This has been under some scrutiny recently since the government is trying to generate revenues in the current economic downturn.

Each government sponsored savings plan possesses unique tax advantages to maximize your future wealth and each has unique eligibility requirements. It is important that you figure out the right plan for you and start saving in order that you may enjoy the benefits of your retirement years.


Source: http://wealthblackbox.com/reasons-to-have-ira-or-401/

db cooper natalee holloway fafsa branson missouri davy jones dead monkees last train to clarksville

Monday, March 26, 2012

seojsr902 - Top 7 Ways to Better Speaking in public

7 measures to help ease your way to better presenting and public speaking Writing Guidelines: You tend to be welcome to post this article in their entirety, digitally, or in print of charge, if you include my personal full trademark file for ezines, along with my Web site address in web page link for other sites. Please send a showing courtesy link or email us where you post. Thank you. ___________________________________________________________ Name: Top 7 Actions to Better Public Speaking

Read more ...

Source: http://seojsr902.livejournal.com/2300659.html

manny pacquiao vs marquez dish network cbs news manny pacquiao fight pacquiao marquez pacquiao marquez penn state game

Re: custom report selection causes FTM2012 to crash - Family Tree ...

I thought of a workaround.
First I created a copy of one of my trees that is working ok, renamed it to blank and deleted all the individuals except the home person, I then imported another tree (that would not work on Custom Reports) I then deleted the original home person and pointed to the new home person in the imported file, I then renamed the tree, THE CUSTOM REPORT NOW WORKS OK.

David

Source: http://boards.ancestry.co.uk/topics.software.famtreemaker/8022.1.1.1.1.1.1.1.2.2.1.1.3/mb.ashx

12 days of christmas a christmas carol arkansas football player dies anne mccaffrey anne mccaffrey amazon promotional code artificial christmas trees

As Helping Hands for Elders, Home Care Workers Push for Respect ...

Photo: SEIU.org

Cross-posted from In These Times.

Somewhere in your community today, an elder person is wondering when she?ll be able to take her medicine today, or have a chance to see the sun. And her mind will be put at ease once her aide arrives to help her get dressed, eat breakfast or take a walk in the park. For millions of aging households, a home care worker is the only person who provides the day-to-day assistance and emotional interaction they need to function. Yet, typically, that worker is neglected herself?by the government.

Workers caring for our greying population are intimately woven into our family lives, but are alienated from essential labor protections?though that could change soon. As we?ve reported previously, a longstanding loophole in the Fair Labor Standards Act excludes home care or ?companionship? workers from minimum wage and time-and-a-half overtime regulations. Nationwide, about 2.5 million home care and personal assistance aides?projected to grow to about 3.8 million by 2020?work around the clock to help their clients handle the basics of life, while often themselves scraping by on poverty wages.

Back in the early 1970s, Rep. Shirley Chisholm called attention to the plight of home-based workers who had been shut out of regular labor standards. A generation later, workers? rights advocates are pushing the Labor Department to follow through on a proposed rule change to extend federal minimum wage and overtime protections to currently excluded home care workers?who are disproportionately female and of color.

According to the National Employment Law Project:

The annual income for a home care worker employed for 40 hours per week at the 2009 median wage of $9.34 an hour for the industry was just $20,283?far below a basic self-sufficiency income for a single adult, let alone someone supporting a family as many home care workers do.

State laws offer only incomplete protections for these aides. As the need for community-based health services expands and the healthcare affordability crisis strains state and family budgets, advocates say time is running out to create a sustainable home care workforce.

Obama urges N. Korea to "pursue peace"

U.S. President Barack Obama, left, looks at South Korean President Lee Myung-bak during their joint news conference at the presidential Blue House in Seoul, South Korea, Sunday, March 25, 2012. (AP Photo/Pablo Martinez Monsivais)

U.S. President Barack Obama, left, looks at South Korean President Lee Myung-bak during their joint news conference at the presidential Blue House in Seoul, South Korea, Sunday, March 25, 2012. (AP Photo/Pablo Martinez Monsivais)

U.S. President Barack Obama shakes hands with South Korean President Lee Myung-bak during their joint news conference at the presidential Blue House in Seoul, South Korea, Sunday, March 25, 2012. (AP Photo/Pablo Martinez Monsivais)

U.S. President Barack Obama visits with South Korean troops at Observation Post Ouellette in the Demilitarized Zone, the tense military border between the two Koreas, in Panmunjom, South Korea, Sunday, March 25, 2012. (AP Photo/Susan Walsh)

President Barack Obama speaks during a news conference with South Korean President Lee Myung-bak at the Blue House, the official presidential house, in Seoul, South Korea, Sunday, March 25, 2012. (AP Photo/Susan Walsh)

U.S. President Barack Obama, left, and South Korean President Lee Myung-bak walk out together after their joint news conference at the presidential Blue House in Seoul, South Korea, Sunday, March, 25, 2012. (AP Photo/Pablo Martinez Monsivais)

(AP) ? In a direct challenge to North Korean leaders, President Barack Obama implored them "to have the courage to pursue peace" while warning of the wrath of the world if they don't. Failure, he said, would mean a future without dignity, respect or hope for its people.

Obama stood by his pledge for a globe without nuclear weapons, declaring flatly that the United States has more than it needs and can cut its arsenal without weakening its security or that of its allies. That assessment put him on a collision course with congressional Republicans who say any significant cuts would undermine the U.S. ability to deter aggression.

In unusually personal terms, Obama said he spoke of his wish for further nuclear reductions as the president of the only nation ever to use nuclear weapons, as a commander whose country's nuclear codes are never far from his side, and as a protective father eager to erase the threat of nuclear annihilation.

Obama and other world leaders are in Seoul for a major international nuclear security summit. Obama plans to meet on the sidelines of the summit with several heads of government, including Russian and Chinese leaders.

Obama spoke most directly to North Korea's leaders, saying the internationally isolated country needs to change its ways because continuing down the same path will lead to "more broken dreams" and "more isolation." His blunt remarks came a day after he visited the Demilitarized Zone between North and South Korea and described the experience as akin to witnessing a "time warp" of despair.

"By now it should be clear," he said. "Your provocations and pursuit of nuclear weapons have not achieved the security you seek, they have undermined it. Instead of the dignity you desire, you are more isolated."

The nuclear summit unfolded as North Korea prepared for an announced satellite launch next month that the United States says amounts to a test of its rocketry.

As Obama spoke of peace, tensions rose in the Korean peninsula. Seoul warned it might shoot down the North Korean rocket if it violates South Korean territory.

Speaking at Hankuk University, Obama said that the international community has made progress in reducing the threat of nuclear material but says "we're under no illusions."

"Even as we have more work to do, we can already say with confidence that we have more nuclear weapons than we need," he said. "I firmly believe that we can ensure the security of the United States and our allies, maintain a strong deterrent against any threat, and still pursue further reductions in our nuclear arsenal."

Obama also reiterated his warning to Iran, which the U.S. and its allies contend is defying its international obligations by pursuing an illicit nuclear program. Obama said he would discuss Iran in meetings later in the day with the leaders of Russia and China.

"Iran's leaders must understand that there is no escaping the choice before it. Iran must act with the seriousness and sense of urgency that this moment demands," Obama said. "Iran must meet its obligations."

Facing down Iran and North Korea, Obama said a "new international norm" was emerging to deal with the two nations' intransigence. "Treaties are binding. Rules will be enforced. And violations will have consequences," Obama said. "Because we refuse to consign ourselves to a future where more and more regimes possess the world's most deadly weapons."

Obama said the U.S. was also moving forward with Russia to eliminate enough plutonium for about 17,000 nuclear weapons and turn it into electricity. And he heralded an earlier agreement with Russia to reduce nuclear arsenals under the New START Treaty, which Obama called "the most comprehensive arms control agreement in nearly two decades."

"When we're done, we'll have cut American and Russian deployed nuclear warheads to their lowest levels since the 1950s," he said.

Obama also prodded Russia in a new way, saying he would seek discussions with Moscow on an unprecedented front: reducing not only strategic nuclear warheads, but also tactical weapons and warheads in reserve. He said he planned to discuss that proposition with Putin when they meet in May.

Obama was to meet later Monday with outgoing Russian President Dmitry Medvedev. Former leader Vladimir Putin returns to the presidency later this spring after winning an election held earlier this year.

___

AP National Security writer Anne Gearan and AP writers Jean H. Lee and Hyung-jin Kim contributed to this report.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/cae69a7523db45408eeb2b3a98c0c9c5/Article_2012-03-25-AS-Obama/id-ca6a8d5668254abe9885076558c2757b

best buy we bought a zoo we bought a zoo ipad accessories derrick rose port charlotte florida kit homes