Tuesday, July 31, 2012

Is Your Dealership Ready for the Real-Time Shopper? (Courtesy of Ed

It?s not 2008 anymore. Consumer expectations, communication preferences, and shopping behaviors have all changed due to mass public adoption of smartphones and tablets. Consider the following statistics:

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According to a report by online monitor, Pingdom, mobile browsing has increased 69 percent since 2010. In fact, mobile internet use is set to surpass desktop internet use by 2015 (Morgan Stanley Research, The Mobile Internet Report, 2009). The Nielsen Company first declared in September, 2008 that text messaging surpassed phone calling as the primary means of communication. Cell phone users send 41.5 text messages per day as opposed to 12.3 voice calls (Pew Research Center, 2011). Forty-nine percent of mobile consumers say they frequently use their smartphones while shopping (The Nielsen Company, The Mobile Media Report: State of the Media, 2011).

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Take a look around. Everywhere you turn, whether at a coffee shop, a restaurant, or in a hotel lobby, people are moving about with their heads down, looking at their electronic devices. Consumers today use technology to ?like,? Tweet, shop, ask questions, browse reviews, find coupons, and get directions instantly.

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A 2012 Ruder Finn Mobile Intent Index Study said that, "91 percent of mobile users go online to socialize, compared to only 79 percent of traditional users. They are using their mobile phones 'at the moment' to connect with others."

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For decades, placing a phone call was the quickest way to obtain certain information. In most cases, that's just not the reality anymore. Search engines like Google and Bing, with the help of legions of online databases and forums, have majored in the art of answering every question imaginable. Questions not readily answered by search engines, can be addressed by reaching out to networks on Facebook, Twitter, Skype, or Google+, for example. For any questions that may remain, live chat now provides instant access into dealerships without the runaround and probing typically associated with a phone call.

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Today's consumers are empowered like never before with real-time communication tools and information. Using the internet, shoppers can maintain their anonymity and remain in control of the buying process longer.

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In 2011, Google published The Auto Shopper Behavior Study, which asserted that today's vehicle shoppers (1) research and decide faster, (2) search to navigate and compare, and (3) rely on their mobile devices to research on the go.

CONTINUE READING

If you're interested in learning practical ways to help you dealership prepare for and engage today's real-time shopper, I'd like to personally invite you to attend my breakout session at the upcoming AutoCon Conference and Expo, September 5-8. For information and to register, visit www.autocon2012.com.

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Ed Parkinson has been working with automotive dealers for 27 years and has championed many new services that "move the needle" for his customers. Ed helped pioneer the use of call tracking and measurement to increase sales and quantify the return-on-marketing during his seven years at Who's Calling Inc. Ed began selling and coaching auto dealers on Contact At Once! services in 2006 and joined the company as vice president of sales in April, 2007. He holds a B.B.A in Marketing and Management from Temple University.

Source: http://www.automotivedigitalmarketing.com/xn/detail/1970539%3ABlogPost%3A404018

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Images of 'fully assembled iPhone 5' leaked

New images have made their way onto the worldwide web claiming to show the fully assembled body of the iPhone 5.

We've already seen a number of images claiming to show off parts of the next iPhone, and a video which apparently reveals the back-plate for Apple's next handset, but this is the first time we've seen all the pieces put together.

The new images come via Chinese repair shop iLab Factory, which claims to have got hold of a completed iPhone 5 case.

iPhone 5 LEAK

Credit: iLab Factory

No new surprises

The handset which features in the shots sports the same stylings as we've seen in previous leaks, with the much rumoured smaller dock connector on the base of the device, flanked by speaker grilles and a 3.5mm headphone jack ? which resides at the top of the iPhone 4S, 4 and 3GS.

Then of course there's the much-hyped larger screen on the front, thought to be 4-inches in size, plus the repositioned front facing camera, and round the back the images stay in line with previous rumours, with a two-tone glass and metal combo.

According to the report, the iPhone 5 will be lighter and thinner than previous models, although it's still unclear if this is indeed the final design, and we don't know where these parts were acquired - so while we aren't getting carried away just yet, this does show a much more feasible final design than before... let's get ready for the mooted September launch.

From iLabFactory via 9to5mac

Source: http://feedproxy.google.com/~r/techradar/allnews/~3/hkdOHSgcE9o/story01.htm

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The Real Housewives of New Jersey Recap: Pack Your Baggage


The Real Housewives of New Jersey are headed to Napa...the long way. "Pack Your Baggage" finds the ladies camping in heels. We recap all of the stupidity in our THG +/- review.

The show opens with the recap of Caroline commenting that Albie hasn't had a serious girlfriend in about two year but how he should really be concentrating on work. Minus 7. Albie's a grown man. Can't he have a career and a girlfriend?  You'd think mom would want him to be happy.

Well Momma Caroline might not be pleased when she hears that Albie's asked Lindsey to move in.  Actually Albie, Chris and Greg all ask her to move in and it really is kind of sweet.  Plus 10. Nice job boys.

But the trip to California is closing in almost as fast as hurricane Irene but that's not about to stop this crew. With the airports closed they ditch their kids on their parents and drive several hours to catch a flight out of Pittsburgh. Plus 8 for sheer determination.

Did we really have to witness both Joes peeing on the side of the road? Were the fast food restaurant bathrooms not good enough for them. Do their mommies need to remind them to go before they leave? Minus 12.

Road Trip Videos

It takes a road trip and two flights to get this crew to San Francisco. What do they do when they're bored on a road trip? Watch videos of cows having sex of course. Minus 9.

They finally make their way to Camping World to pick up their RVs and buy some camping gear and that's where the real stupidity begins. 

They have no plan. They have no list. They have no brains but they have plenty of disposable cash.  Minus 10.

At least Kathy picks up the RV's For Dummies handbook. Plus 15. Talk about truth in advertising.

At least Teresa's heels have fringe. Plus 8. It's her idea of going for a western theme. Then she locks herself in the RV bathroom and announces her stomach troubles, which her husband then broadcasts to the other RVs. Thanks for sharing. Minus 9.

Joe Gorga's driving the Gorga/Guidice RV even though he's never driven anything even close to this size. Why? Because Joe Guidice still doesn't have a valid license.

Guidice starts cutting sausage with a huge knife in the RV kitchen while they're driving down the highway. Minus 8. I think someone needs to read the RVs For Dummies book before he loses a finger.

Just when I think the stupidity factor can't get any higher Lauren asks what the number 12 means next the city name on the road sign. Um..perhaps 12 miles more until you get there? The scary part is I don't think she's joking. Minus 12.

When this crazy crew finally rolls in to the RV park the locals come out to watch the show.  The looks on their faces are priceless. Plus 7.

Teresa Feels Up Melissa

It's all going so well. Melissa and Teresa are feeling one another up. Joe Gorga's showing his equipment (and I don't mean his camping gear) to the Manzos. We find out Kathy's a screamer and Richie's standing at attention for all to see. I don't even know how to issue points for that.

As happy as every one seems, Teresa can't let that silly pizzelle comment of Kathy's go.  I'll give her a plus 6 for telling Kathy about how she feels and not stewing about it. 

But then she has to dredge it all up to Melissa. When Melissa brings up that maybe Teresa needs to look at her own behavior I thought for sure all Hell was going to break lose but somehow the comment seems to roll right off her.  Plus 8

Teresa does promise one thing…she won't put any of her family or friends in her next book. Minus 13. Does she really believe people are buying these books for the recipes?

The first California episode has everyone smiling. What are the odds they stay that way?

Episode total = -9                Season total = -211

Source: http://www.thehollywoodgossip.com/2012/07/the-real-housewives-of-new-jersey-recap-pack-your-baggage/

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Monday, July 30, 2012

American Apparel unveils new Amazon stores in Europe, Japan

RBR Staff Writer
Published 26 July 2012

Clothing retailer American Apparel has launched three new merchant stores on Amazon Marketplace in the UK, Germany and Japan.

The three new stores follow the success of American Apparel's US deal with e-Commerce retailer Amazon, which launched in 2010.

The Los Angeles-based retailer has launched these stores in order to reach out to customers who are new to American Apparel and its products.

American Apparel's new stores in Japan, Germany, and the UK can be assed at: www.amazon.co.jp, www.amazon.de and www.amazon.co.uk.

Full product line of the retailer will be available on Amazon, in addition to occasional promotions and offers.

Orders will be processed and shipped from American Apparel's vertically-integrated headquarters in Los Angeles.

The company said it will offer free shipping for British orders over ?100, German orders over ?100, and Japanese orders over JPY7,500.

In addition to its four Amazon stores, American Apparel also operates its own 12 regional web stores and recently launched a mobile store in Japan.

Source: http://multichannelandonlineretailing.retail-business-review.com/news/american-apparel-unveils-new-amazon-stores-in-europe-japan-260712

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

Source: http://twitter.com/peterdcox/statuses/229636045115895808

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Sunday, July 29, 2012

What Causes Childhood Obesity? ? Part 32 | Children's Health and ...

As many of my regular viewers to this web blog know, there are many factors contributing to childhood obesity. I post daily here about it, whether news print articles, opinions, feedback, or just personal opinion.

Recently, I wrote an article for Yahoo! (click here) about childhood obesity. I started searching for sources for this article, and received over 100 responses to the question, ?What do you think caused the rise in childhood obesity?? Responses came from professional and Olympic athletes, fitness experts, health experts, nutritionist, and parents.

I was unable to use everyone?s feedback, but thought it would be great to post some of their responses on my blog in a new web series, ?What Causes Childhood Obesity.? I hope that you enjoy the opinions here from various individuals. Please remember, my including their posts does not necessarily mean I agree or endorse their opinion, rather, a place to share other people?s thoughts.

Keeping Kids Fit

Opinion: Kristin Serio

I am a 23-year-old Mom and have a wonderful 2-year-old son who has already adopted great eating practices!

I believe childhood obesity is on the rise because parents aren?t taking responsibility for what their children are eating. Parents find it easier to just give in to their child?s complaining and give them the foods they want, rather than actually being a parent. We live in a society that is always on the go, but just because we are constantly busy doesn?t mean healthy eating goes out the window. There are plenty of great snack options that can easily be brought along besides the traditional bags of chips, candy, etc.

Teaching children healthy eating habits at the get go will help children in leading a healthy lifestyle. ?Delicious? food doesn?t have to be junk food, and snacks don?t have to be full of sugars and fat. For example, I have taught my son to really enjoy eating fruit pouches. They are a treat for him to have, and with 100% fruit, it?s a snack I don?t feel guilty about.

My name is Kristin Serio and I am an Account Coordinator at Uproar PR.

Source: http://www.lensaunders.com/wp/?p=2601

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DAVID BOWIE "Heroes" music review by The Truth

4 stars Bowie's "Heroes" is a strange but graceful little record and it comes extremely close to a masterpiece if not for but a few moments of unneeded noodling.

It's a sophisticated pop record, Bowie's trademark, to start with, but it is filled with such raw emotion it's hard not to take notice. The first track almost seems lighthearted, but Eno's production technique on this record gives the listener the sense that something darker is lurking underneath and perhaps it is because the titular track is one of the most emotional piece of pop music ever written.

"We could be heroes, just for one day," Bowie says and it's this particular track that really evens out the record as a whole with it's pop tunes interlaced with the titular ballad and the weird sonic experimentation of side 2. That's what most people have a hard time with indeed, but I find it very relaxing music, starting with V-2 Schiender and eventually coming to the finale of the album Secret Life of Arabia which as it turns out is a very catchy end to an album that went through an odd phase just minutes before.

It's really kind of an oddity in Bowie's discog but it's also one of his best. Kind of like Alice Cooper's "Dada" or Bob Dylan's "Street-Legal". Those are cult albums within strong artists and sometimes those are the best albums in a musicians career.

4 stars because it's not the strongest record ever but still pretty amazing.

The Truth | 4/5 |

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Review related links

Source: http://www.progarchives.com/Review.asp?id=795827

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Home Protector-Kitchen Extractor Fans - IdeaMarketers.com











The modern day kitchen has become a very big and wide place for not only cooking and keeping the edibles in shelves and fridge, but also to have the meals together. This means the kitchen has to be odour free of the smell of oil, fumes, spices and smoke. Here comes the acute requirement of the kitchen extractor fan. Most of the kitchens make do with the simple axial kitchen extractor fans that are being mounted on the hole in the wall that works as the ventilation tunnel for the extractor fan kitchen has. However, precise equipment is always required for the job that should have an extra edge to it, to meet all the requirements with precision. The solution to this dainty need is the kitchen hood exhaust fan which is in use at most of the kitchens.

If one considers the large variety of availability of the kitchen extractor fans it will create a big dilemma for the person on what to choose and what not to choose for the house. The extractor fan you choose should work in accordance with the requirement you have, as well as it should make your kitchen look good. This type of kitchen extractor fancomes in many categories such as Glass canopy hoods, Black cooker hoods, Stainless steel hoods, Island range hoods and more. The exhaust fans in the kitchen not only ventilate the area and purify the kitchen's air, but they also work as protectors to your home as well.

While you cook, there is more than a delicacy coming up off the burner. It's not only the fumes but also the smoke, oil vapors, steam and a lot of other residues in the atmosphere of the kitchen. These residues, mostly oil vapors gather up on the ceiling of the kitchen and form an oily layer which after sometime becomes very thick. This vapor could also form layers of oil on your furniture and other articles throughout the whole house. This results in a fast decay and somewhat damages the furniture and the other articles in the house. Moreover, the house is at a huge risk to catch fire for it has got a lot of inflammable residues stuck to it with time, from the oil vapours that were released while cooking. The extractor fan kitchen would save you from this trouble in the long run, while an array of kitchen extractor fans would give you a good option to choose from, the best kitchen extractor fan would be the one that fits excellently to your kitchen as well as to your pocket. Do a little browsing and you will find several online stores offering these models, so go for the purchase and make your home complete.

About The Author:

Mr N Kandola is a prominent internet entrepreneur, with a vivacious appetite for knowledge and understanding of the UK air conditioning market, which has ensured he has taken the UK market by storm. He is a contributor to the decision making processes of manufacturers in the LED market in the UK, and provides valued opinion to many commentators in the sector. He is associated with Air Con Centre. Air Con Centre is a leading online retailer of all air conditioners and ventilation equipment for the home or office. Their range of products includes portable air conditioners, split air conditioning systems, multi air conditioning systems, extractor fan, dehumidifiers and much more.

Keywords: kitchen extractor fan, kitchen extractor fans, extractor fan kitchen, air conditioners, dehumidifiers

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Source: http://www.ideamarketers.com/?articleid=3437911

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Saturday, July 28, 2012

I Don't Have Any Programming Capabilities. | Jsdom

I'll explain the elemental beliefs of neuro linguistic programming and the numerous NLP strategies and how they work. Neuro Linguistic Programming is the principles of human excellence. In fact NLP stands for Neuro linguistic Programming, where ?neuro ? is related to both body and spirit, ?linguistic ? is about language patterns or structures and ?programming ? is inventing strategies and way of coordinating mind, body and language for shaping behaviour in order to achieve more satisfactory results than before in varied areas of life. More precisely, neuro-linguistic programming methods help folks in the company and sporting fields to perform well at targets, reach higher degrees of inducement and cope with communication issues.

In a way, neuro linguistic programming will help you in a number of ways, if only you begin to know its methodologies and the way to use them for your benefit. The rules of this highly praised programme are frequently utilized for coaching and training executives in diverse disciplines. In numerous corporations, it is utilized as part of the inspiring training programme in the organisation, particularly in the fields of selling and management coaching. In the more than thirty years since its establishment, neuro-linguistic programming has gone on to become one of the best and commonly used tools for self-improvement. Big League Baseball Additional Innings offers you more out of market games so that you can catch up on your fave out of market groups and have a selection of games to select to look at every week. There are more season ticket packages for virtually each other sport possible. The NBA League Pass offers you exclusive access to NBA games that aren't available on wire or broadcast and can give you hours of courtside action from your fave NBA groups.

Top Football gives you access to all the games of the football league and gives you all the games leading in to the playoffs. Dish Network offers the same option, but they also offer programming packages that are made from only HD content. With Direct , you've got to get one of their base packages like the Choice or Premier package, then add on HD programming for $10 each month. With these Turbo HD packages, you can all the networks that provide content in Hi-D. Sure you may lose out on all of the fluff, stuff like home shopping channels and the ones that play infomercial all day. The new way to code the brain and the neurological system linguistically. Those using NLP on a typical basis say they feel much more in control. A treasure house of dexterity is available for learning to code the mind and how it stores and recalls info. NLP was set up by John Grinder and Richard Bandler in California in the early 1970?s. Groups , people, actors, dancers, vocalists, musicians, sports men and sports girls alike are all learning and enjoying valuable new methods of gaining concord with their fellow team members.

This entry was posted in Uncategorized and tagged linguistic, neuro, programming by admin. Bookmark the permalink.

Source: http://www.jsdom.org/i-dont-have-any-programming-capabilities/

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Paranoid

Paranoid

You're alone. You've always been alone. No, wait, that's not right. You have friends. They're alone with you. You trust them, right? They would never turn on you, right? Yeah, it's just all in your head. You're tricking yourself. You're just paranoid..

Owner:

Game Masters:

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

Topic Tags:

Forum for completely Out of Character (OOC) discussion, based around whatever is happening In Character (IC). Discuss plans, storylines, and events; Recruit for your roleplaying game, or find a GM for your playergroup.
This is the auto-generated OOC topic for the roleplay "Paranoid"

You may edit this first post as you see fit.

User avatar
Spectrum
Member for 1 years



Hmmm. This looks intriguing. I'd like to give it a try!

User avatar
throne
Member for 0 years


Ah! Someone responded. (Even though it's only been like half an hour and it's really late in most places Dx)

I'll reserve you~!

User avatar
Spectrum
Member for 1 years


I will also give this a go. Reserve me a spot please.

User avatar
Queen of Ice
Member for 2 years



I'd love to try this out count me in! I'd like to reserve a spot please?

User avatar
DeathWithin
Member for 0 years


Okay DW! I'll go reserve you! ^^ Last spot.

User avatar
Spectrum
Member for 1 years


Are all the spots already taken? If not, I'd like to reserve one, please.

EDIT: I seem to have posted this just as the last spot was reserved... ;_:

Well, if you'd like one more person, please feel free to let me know! ^^

Last edited by X64 on Sat Jul 28, 2012 2:56 am, edited 1 time in total.
User avatar
X64
Member for 1 years


That was fast.

::lurks to see what other people make before he makes something::

User avatar
throne
Member for 0 years


@X64: Yeah Dx Sorry! Just a second too late. But you'll be the first to know if someone drops out ^^

@Throne: Bluuuh, I'll be making my character tomorrow since it's like 4 in the morning here. There's no rush anyway!

User avatar
Spectrum
Member for 1 years


@Spectrum: S'cool. I may get bored enough to just put something together if I can find a pic that screams "Make me into a hapless teenager in a weird box of dooooooooom". I usually don't do anime-rps because I am the worst at picture finding ever.

User avatar
throne
Member for 0 years



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Home With Purpose: A Fun Way to Enhance Your Vocabulary ...


Most of you know that our family really enjoys card games. They're a great family activity, sharpen the mind, and don't take up much space to store. For the last several weeks, we've been trying out a new one called Marie's Words.

What exactly is?Marie's Words?

It's a versatile card game created by a high school junior who was preparing for the SAT. The game uses original illustrations to convey the meanings of 550 words used in literature and on standardized tests. Each card also provides the correct pronunciations, definitions, synonyms and antonyms, and sentences structured to SAT standards. Players can learn and retain word meanings, leading to success on exams, and also improve diction for both writing and speaking.

The game is basically a box of 550 cards, each with an illustration of a word on the front, and the definition and other information on the back. The cards are hole punched so that they can be put on a ring to use as flashcards if desired. A simple instruction sheet explains two different games to play using the cards.


The easiest way to play is simply to place any number of cards face-up on the table. Choose a number of cards depending on how many people are playing and how long you might want the game to last! The object of the game is to figure out the definition of the word using only the picture. So, each player in turn chooses a card and attempts to define the word. The other players decide, based on the definition on the back of the card, if the attempt was correct. If so, the player keeps the card. If not, all of the information on the back of the card is read aloud and the card is placed back on the table with the text side facing up.

Play continues around the table in this fashion until only text side cards remain, at which point they are all flipped back over to show the pictures again. Then, the game continues using those cards until no cards are left. The player with the most cards wins!?The instructions also suggest variations where bonus points are given for correct antonyms, contextual usage in a sentence, or correct pronunciation.?This version of the game is called the "Picture Words" game.

A second way of playing is also outlined in the instructions, called the "Marie's Wordsmith" game. It reminds me a bit of the board game Balderdash, which our family has really enjoyed.

In this game, each player takes turns being the "Wordsmith". The Wordsmith randomly pulls a card from the box, shows the picture to all the players, then reads all the information on the back aloud, except for the example sentence. Each player then writes a sentence on a slip of paper properly using the word and gives it to the Wordsmith.

Meanwhile, the Wordsmith copies the example sentence from the card onto his or her slip of paper. Each sentence is then read aloud. Players attempt to correctly guess which sentence is the Marie's Words sentence. Choosing the correct sentence is worth one point, and you also earn a point for each person who chooses your sentence! Players don't earn points on the round that they are acting as Wordsmith. Once a round is completed, the next player takes a turn as the Wordsmith. Once the agreed upon number of rounds has been completed, the player with the most points wins.

What are our thoughts?

Marie's Words will definitely be joining our other well used card games on the shelf! We've really enjoyed it. The Dancer (14), Karate Kid (11), and I attempted a few rounds of "Marie's Wordsmith" first but found that we really needed more than three players to make it challenging enough, plus it was hard to include the little guys. We switched to "Picture Words", which allowed us to let Peanut (6) and Monkey Boy (3) sit in, and even Dad enjoyed playing a few rounds with us!

To include the younger kids, we let each one of them "help" one of us by choosing a card for us on our turn. This worked out great! It made it more challenging for us because we didn't get to pick the card that was easiest or most familiar to us, we had to go with whichever card our "helper" chose for us, and it allowed them to participate and made them feel included.


What a fun way to enhance your vocabulary! The pictures are colorful and clever...they really help you visually connect the words with their meanings! There's a huge variety of words included. I have to admit, I was impressed by some of the words my 11 year old correctly defined! And in the short time we've been playing it, I can see that the words the kids have gotten incorrect have really stuck with them. This game has definitely been a hit for us!

Marie's Words is available at Timberdoodle for $23.99. You can also request a free catalog and browse other great language arts and homeschool products.




Disclosure: I received Marie's Words free of charge from Timberdoodle in exchange for an honest review. All opinions are my own.

Source: http://homewithpurpose.blogspot.com/2012/07/a-fun-way-to-enhance-your-vocabulary.html

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Friday, July 27, 2012

MintLife Blog | Personal Finance News & Advice | MintLife Weekly ...

newspaper

Happy Friday, Minters!

This week in MintLife was a busy one: we had a Mint.com product update, an awesome West Elm giveaway (there?s still time to enter!) and, of course, personal finance news to keep you managing your money well and making smart financial decisions.

In case you missed it, here?s what you need to know:

Is there a room in your house that is in need of updating?

Mint.com has teamed up with ABC?s Extreme Makeover: Home Edition?s former host, Tracy Hutson, to give you the chance to win a $400 West Elm gift card, courtesy of Amex Membership Rewards Points. The lucky winner also gets a personal home decorating consultation with Tracy by phone.

Hurry- the sweepstakes ends July 30th!

Mint.com has an exciting new update to help you make even smarter money decisions. Check out the new and improved Trends, which gives you a better picture of your finances.

Being trendy has never saved you so much money.

It?s been a busy couple of weeks for the Consumer Financial Protection Bureau (CFPB). A couple of weeks ago they rolled out their new credit card complaint database and just last week they announced what many of us knew was coming: that they?d begin actively supervising the consumer reporting agencies.

Now that the fires have died down, what does this likely mean for consumers and the credit bureaus?

Have a great weekend!

Source: http://www.mint.com/blog/updates/mintlife-weekly-roundup-home-economics-sweepstakes-mint-com-trends-update-and-more-072012/

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Myths about Bankruptcy - John R. Hooge, Attorney at Law, PA

John Hooge Attorney1.? I will lose my house and car if I file bankruptcy:? People don?t lose these because they file bankruptcy.? If they do, its because they choose to not pay for them.? Bankruptcy gets rid of debts but normally it won?t get rid of mortgages and liens on cars.? You do have to pay for them to keep them.? And a chapter 13 can keep them from being lost.

2.? Someone will come to my house and go through my possessions:? In 35 years of handling bankruptcies, I have never had that happen to any of my clients.

3.? Filing bankruptcy is easy.? All I need to do is go to the court and file a couple of papers.? Wrong!? Its about as easy as fixing an automatic transmission.? And if you don?t know what you?re doing, chances are you will cause real problems and cost yourself a lot of money.

4.? If I file bankruptcy, I will never be able to finance a car again:? Wrong again.? Most people who file are offered car loans as soon as the case is concluded.? The longer you wait, though, the better the interest rate you will get.

5.? To file bankruptcy, I must be delinquent on all my debts: Incorrect.

6.? If I file bankruptcy, I have to go to court and the judge and creditors will grill me about my debts and my ability to pay: No, almost no one who files bankruptcy even meets the judge.? You go with your attorney to the 341 meeting in an office building, not the courthouse, and meet with the trustee.? Although creditors can show up, they almost never do.? And creditors are very limited on what they ask.

7.? Everyone will know I filed bankruptcy: If you have a Lawrence address and probably a Douglas County address, it will be in the Lawrence newspaper.? Some newspapers publish the names who file and some don?t.? But, that doesn?t mean everyone will know.

8.? If I file bankruptcy, all my debts listed on my credit report are erased.? No, filing bankruptcy does not cause debts to be erased from your credit report, but your report does then state that the debts are?? discharged in bankruptcy and 0 is now owed.

9.? If I file bky, I have given up on my dreams and my chance of ever becoming a success:?? No. What do former U.S. President Ulysses S. Grant, Burt Reynolds, Sam Walton, Walt Disney, Larry King, Kim Bassinger, and Rush Limbaugh all have in common? You guessed it; they all have filed for bankruptcy

10.? I will lose my job if I file bankruptcy: In 35 years I have only had 1 client who said she thought she lost her job because she filed bankruptcy.

11.? If I file bankruptcy, I?ll never get another credit card again: Wrong.? Just as with car loans, you will get offers usually as soon as the case is over.? But, the longer you wait, the better the credit you will be offered.

12.? Under the new law, there is no more bankruptcy:? Sounds like some debt collector trying to intimidate someone into paying money.? This is not true

13.? Under the new law, the trustee can take my assets: Most of my clients don?t lose anything.? You get to keep all exempt assets and proper planning usually prevents losing anything.

14.? If I?m married, my spouse must file bankruptcy with me: Not true, although the cost is usually the same for both.

15.? If my spouse doesn?t file with me, my creditors can go after he/she: Creditors can only go after your spouse if he/she agreed to owe a debt, or if it?s a medical bill or rent.

16.? Filing bankruptcy often leads to divorce: Just the opposite is true.? Filing bankruptcy and alleviating debt problems usually helps a marriage.? Financial problems are the main cause of divorce.

17.? You can?t get rid of back taxes in bankruptcy: Income taxes over 3 years old are discharged in bankruptcy, but certain rules must be met.? If you owe any type of taxes, you must get a lawyer experienced in bankruptcy and taxation issues.

18.? Creditors can still harrass you after you file bankruptcy: No, they are ?stayed?, i.e., prevented from contacting you to collect a debt.? If they persist, your attorney can take the creditor to court.

19.? You can only file bankruptcy once: You must now wait 8 years after filing a chapter 7 bankruptcy to file another 7.? But, the waiting period is shorter if the prior bankruptcy or the new one is a chapter 13 wageearner plan.

20.? I?m not allowed to repay creditors even if I want to.? Once your case is concluded, you can pay anyone you wish to pay.

21.? I can file a medical bankruptcy: Although medical bills are the primary reason people file bankruptcy, you must list all debts you owe.

22.? Bankruptcy will hurt my credit for 10 years: Although bankruptcy will be on your credit report for 10 years, how you pay debts and what debts you incur after you file bankruptcy will have the most effect on your credit in the future.? Many people who file bankruptcy, if they are careful afterwards, find that their credit will improve.? But, they need to find out what works and what hurts.? This is why my clients get to see Judy Lewis, our credit counselor and budget coach.

Source: http://www.johnhoogelawoffice.com/wp/2012/07/myths-about-bankruptcy/

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Thursday, July 26, 2012

Boxes for Snapshots - Another Set - Family Woodworking

Here they are roughly fitted.

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The upper finger is 1/8" taller than the lower finger.

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The box will be glued up as a cube with the top and bottom in place. I will then use an 1/8" kerf blade on the tablesaw to separate the top and bottom along the line represented by the bamboo stick.

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This results in the center upper and lower finger being of equal height. The finger pattern is a mirror image from the centerline out when finished.

Source: http://familywoodworking.org/forums/showthread.php?28058-Boxes-for-Snapshots-Another-Set

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Romney says 'many' of accused Colo. gunman's weapons were illegal; in fact, no gun laws broken (Star Tribune)

Share With Friends: Share on FacebookTweet ThisPost to Google-BuzzSend on GmailPost to Linked-InSubscribe to This Feed | Rss To Twitter | Politics - Top Stories Stories, RSS and RSS Feed via Feedzilla.

Source: http://news.feedzilla.com/en_us/stories/politics/top-stories/238313825?client_source=feed&format=rss

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For The Internet Business To Be Successful You Want A Business ...

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Internally links are immediately created once you publish something new, which does not occur automatically with static pages. Static webpages need which you link them manually, and you might also must create a logical sitemap. http://www.healthyeatingwisdom.com/truth-about-six-pack-abs-review/ Invest important time on technical errands that are carried out because a thing of course with a blog. Once you have a blog rather, you have got much more for you personally to manage your online business. It has grown to be quickly drawing near to the stage that you will need to have a blog for the internet business to be a success.

Source: http://mynewideas.racshadow.org/2012/07/26/for-the-internet-business-to-be-successful-you-want-a-business-blog/

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Cuba: Home of the Gigantic Daiquiri ? Miami International Business ...

Posted on by The Victoria Law Group

Too much of a good thing can be wonderful?? In the spirit of Mae West, Cuban mixologists have made what they think is the world?s largest daiquiri; one they believe will set a world record.? In my book, it?s not a terrible thing to be known for.

Read Peter Orsi?s Miami Herald article here:

http://bit.ly/Obx7ev

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Brought to you by The Victoria Law Group

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Source: http://miamiinternationalbusinessattorneys.com/2012/07/25/cuba-home-of-the-gigantic-daiquiri/

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Source: http://www.piconews.com/harmful-credit-score-pay-out-day-financial-loans-resolving-brief-time-period-finance-complications/

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U.S. sees no trade sanctions violations by U.N. agency

WASHINGTON/GENEVA (Reuters) - A preliminary U.S. assessment has concluded that the U.N.'s World Intellectual Property Organization (WIPO) did not violate U.N. sanctions when it sent technical equipment to North Korea and Iran, the State Department said on Tuesday.

As two senior U.S. lawmakers accused the Geneva-based agency of stonewalling a U.S. probe into the transfers, the State Department indicated it was satisfied with WIPO's cooperation on the issue.

"Our own preliminary assessment - but we are still seeking more information from WIPO - is that there doesn't appear to have been a violation of U.N. sanctions," department spokeswoman Victoria Nuland told a news briefing.

Nuland noted that the transfers had been referred to U.N. sanctions committees for a final determination and said the United States was seeking more information from WIPO as it investigated whether any U.S. laws had been violated.

Another hearing on the transfers to sanctioned countries is provisionally scheduled for August 1.

WIPO Director General Francis Gurry has said that the supplied equipment did not violate U.N. sanctions, although senior U.S. lawmakers have questioned this.

Geneva-based WIPO, a 185-member body that includes Iran and North Korea, has in the past provided member states with IT equipment including hardware and general office supplies.

The United States said earlier this month that it was reviewing WIPO's transfers after internal documents showed the organization had sent equipment worth around 50,000 Swiss francs ($52,500) to Iran and a shipment worth somewhat less to North Korea.

U.N. sanctions on Iran and North Korea are designed to curb the development of nuclear technology and prohibit the supply, sale or transfer of a range of materials and technology. Iran is also under much tougher U.S. and European Union trade embargoes.

BLOCKING TESTIMONY

On Tuesday, the ranking Republican and Democrats on the U.S. House Foreign Affairs Committee accused Gurry of preventing two senior WIPO staff members from testifying before a planned committee hearing, forcing its cancellation.

The staff members asked to testify were James Pooley and Miranda Brown, a source familiar with the matter said.

"Director-General Gurry is obstructing this committee's investigation of WIPO's transfer of U.S.-origin technology to rogue regimes under international sanctions ? a transfer that occurred on his watch," Republican chairwoman Ileana Ros-Lehtinen and ranking Democrat Howard Berman said in a statement.

A WIPO spokeswoman was not immediately available to comment on the statement. Gurry told Reuters late last week that he would allow "a properly competent person" to testify.

In the July 12 letter to Secretary of State Hillary Clinton signed by over 40 lawmakers, Ros-Lehtinen said she was "appalled" by news of the WIPO transfers and said that her committee planned to launch its own probe into the incident.

Lawmakers have suggested that the United States freeze contributions to WIPO until they are satisfied it is cooperating, although this would likely have a limited impact on the U.N. agency, which relies on member state contributions for only 10 percent of its budget.

Matthew Parish, a partner in the Geneva office of Holman Fenwick Willan, who represents staff members at WIPO who have complained of harassment, abuse and victimization said the organization had a history of senior management abuses.

"Despite staff criticism and member state disapproval, WIPO is suspended in a world of its own. Its Director General clearly thinks he is above the law," he said.

Nuland stressed that the Obama administration remained concerned about the WIPO case and had urged the agency to implement better safeguards.

But she said the State Department did not believe WIPO was stonewalling on the issue, and listed "positive steps" the agency had recently taken including agreeing to independent external project auditing to prevent similar transfers in the future.

(Editing by Philip Barbara and Michael Roddy)

Source: http://news.yahoo.com/u-sees-no-high-tech-trade-sanction-violations-194007726.html

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Wednesday, July 25, 2012

BP, Transocean faulted over preventive efforts in gulf spill

WASHINGTON ? Before the 2010 Gulf of Mexico oil spill, BP and drilling rig owner Transocean focused their safety efforts on curtailing worker injury rather than preventing catastrophic well blowouts, all but ignoring critical lessons from two near-misses just before the Deepwater Horizon explosion, according to a new federal investigation of the disaster.

The report issued Tuesday by the Chemical Safety Board is the latest in a string of federal and independent inquiries into the blowout of BP's Macondo well, which killed 11 workers in the ensuing blast and spewed nearly 5 million barrels of oil into the sea, making it the country's worst offshore environmental accident.

Although each report has exposed practices and events that led to the disaster, the investigations' findings have overlapped enough to expose what was a highly dangerous deep-water drilling project marked by lax safety, poor communication and ad hoc decision-making.

The board's report suggests that BP and Transocean Ltd., along with federal regulators, should have known better. After a 2005 explosion at its Texas City, Texas, oil refinery that killed 15 employees, BP vowed to institute a new safety system that assessed risks and hazards. Five years later, the company had made progress at its onshore activities but not offshore.

"When asked about rollout in the Gulf of Mexico, a high-level BP manager stated to the CSB, 'We were just getting started,'" according to the Chemical Safety Board report.

Instead, BP, Transocean and the federal regulator, the Minerals Management Service, which has since been reorganized, paid attention to a checklist of worker slips and falls, which translate to lost man-hours and money. Even now, the report said, companies and federal regulators look at past events, such as fires and injuries, rather than adopting systems prevalent in other oil-producing countries to predict and prevent trouble.

"It is almost as if they are driving a car by looking in the rearview mirror," the report concluded.

BP said that outside inquiries and its own investigation had prompted substantial changes. "After the accident BP alone stepped up and, as the CSB has recognized, has taken concrete steps to further enhance safety and risk management throughout its global operations," the company said in a statement.

Transocean did not cooperate with the board investigation and is being sued by the Justice Department to comply with the board's subpoenas.

In a statement, Transocean said, "We are gratified that the CSB recognized Transocean's ongoing commitment to personal safety on all our rigs and in our constant drive for best practices, we will, as always, review industry recommendations regarding process safety management."

The report noted that Transocean and BP both experienced near-misses that held important lessons that could have proved useful at the Macondo well. In December 2009, in "an incident that eerily foretold the fate of the Deepwater Horizon," a Transocean drilling rig in the North Sea also had oil and gas flowing up the well onto the platform. Disaster was avoided because the blowout preventer staunched the flow. But Transocean's findings were not "fully communicated" to workers outside the North Sea.

On March 8, 2010, more than a month before the Deepwater Horizon disaster, oil and gas traveled up the Macondo well for 33 minutes before BP workers and others realized it. According to the Chemical Safety Board, BP did nothing to address the delayed response to the well "kick."

At the same time, federal regulators gave both companies prizes over the years for good safety programs. The year of the fatal disaster, Transocean awarded its top management bonuses for their safety record.

The report noted that BP, Transocean and many other companies already use a more comprehensive safety approach in countries that require it, such as Norway and Britain for North Sea operations. The report did not offer an explanation as to why BP did not employ such practices in the Gulf of Mexico, especially after the Texas City disaster.

Najmedin Meshkati, professor of civil, environmental and systems engineering at USC, said such fundamental change required a sustained commitment at the top level, which BP did not have.

Exploration and production at BP "had their own deep-seated culture" apart from the refining business, said Meshkati, a member of the National Academy of Engineering/National Research Council panel that issued its own report on the disaster. "I heard from a reliable source that in the pursuit of profits, BP's longtime CEO, Lord John Browne, unofficially adopted Oscar Wilde's quote, 'consistency is the last refuge of the unimaginative,' as the company motto. And we all know well what inconsistency can do to system safety."

neela.banerjee@latimes.com

Source: http://feeds.latimes.com/~r/latimes/news/science/~3/EmaGGdH5ErA/la-na-bp-report-20120725,0,5433675.story

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Tuesday, July 24, 2012

Support With Styles Involving Wedding Photography ...

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For fact, the wedding photographer is always behind the scenes, but he is this person who can make your moments alive forever. So make certainly and research, and / or professional photography in advance of choosing a nuptials in Melbourne.

Which post is more for photographers as compared with couples; but as long as you?re a small number reading this you must read on. It may just answer some examination questions as to why I or almost other wedding photographer does what people do!

Usually, if you are unquestionably more interested through a certain volume of photos, but could do with no having another part in your package on wedding photos can be able to make the compulsory changes for free to some recharge. Of course, you will instead of be able up to remove quite cut price and replace this with something most more expensive. The individual value should be fairly close to our photographer to make the change promising for you. There are unique locations for wedding photography Sydney which generally is famous as well as there prise quote is different.

stockton wedding photographerToronto is famous by another reason also and that is these photographers give off quality pictures. Customers generally decide quality pictures and it these people gain from these fps. They have to have quality pictures as a result of they want within order to share their moments with generations when you need to come. Yet the selection pertaining to these photographers must be made very carefully. Up to select these professional photographers one must do a proper market search. This kind of will help to select these great photographers.

Generally there is definitely 1 individual disadvantage to make sure you this, and who is that your company are not many to ask these specialist wedding ceremony photographer questions through to the day. However there would be quite an a number of merits to this unique method to gratitude wedding photography, the best individual of all of these staying that you can replay the study course as quite a few periods as individuals like to provide that you fully fully grasp as well as an appreciate the points currently being constructed and demonstrated.

Play with angles ? why not suffer from everyone stand living in the shape about a heart and have a photo taken from on top of. Use reflections, lighting and decoration to give your own photos individuality and interest. Take some time due to the fact a couple to actually have some pix taken which totally show your ideas at this significant moment. last but not even least, ensure your site get lots pictures of your own personal wedding dress inside of all its part and glory ? after all, families won?t be being seen wearing it again!

Memories fade, photos really don?t ? Them might appear particularly smart to consider on the way to remember a wedding ceremony permanently, but yet the point is that it is considered to be nearly extremely challenging to do so very. Memories fade, nice or humorous activities will are misplaced to day time if they are not remembered an unique fragrance . in a solid type. Tampa bay marriage ceremony picture taking is all about capturing these memorable instants permanently using the type related breathtaking images.

is the complete time to start a wedding professional photography business. Unquestionably the Internet makes they possible for an individual to work suitably now. Any person don?t need an office or a big fancy work station. You no need to need a tough phone system or office equipment. Everything can find yourself done with a real laptop and being an Internet connection. You can really use the Globe and Facebook in order to promote your wedding photography business.

Virtually of this consists of a full and additionally detailed record associated with the day. A true telling of the wedding story through rrmages and a visual record for the very bride and prepare that goes way beyond the arrange poses of previous years. This situation becomes an previous document and something that will be handed down together with pored over by generations to come. Wedding photos produced by photojournalists typically contain a large number linked pictures and are perhaps intended to make available a full and thus complete record. This commitment to faithfully record means a huge dedication to of concentration and also stamina on the type of part of usually the photographer. S/he will be routinely technically challenged considering that well as ordered to remain emotionally responsive and free minded at most of times.

But after engaged and getting married she gets yet again a new dwelling with different set of people.
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Source: http://articlereference.net/arts-entertainment/support-with-styles-involving-wedding-photography.html

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Monday, July 23, 2012

mariaholt13: Post-divorce Relationship - Five Steps Towards Right ...

You've obtained your battle marks, you've come because of a divorce and also are still survive and kicking. A turbulent separation does not only affect your existing situation, it damages typically the morale of any individual. If it's a protracted story, come up through go here a summary; don't give all of the gory details inside an initial discussion. Not only can there be an absence in adult conversation in the house, it is also usually the case that youngster's behaviors change, and not always for that better.

What Andrea will resort through happens regularly to women globally. Go out using a date because you are looking for a woman or man without because you just want anyone to get jealous it will likely be. This may be easier or maybe more difficult for you more than when you job application dating, but it remains to be something that must definitely be said. However, life goes regarding, and the fortunate ones are going to move into new relationships and locate happiness.

It could be your first date from a divorce, but do NOT discuss your ex-wife and / or your marriage. You should look at their personality, their strengths, their weaknesses, their likes and dislikes when it comes to yours. If the actuality be known unfortunately a lot of these methods should never work. No need so that you can drudge up negative feelings here, your date doesn't really need to hear the overall story anyway.

Nothing is without a doubt more aging than a set of weather beaten palms. The philosophy was initially to grit a teeth and bear a married relationship gone wrong putting it as small as ones destiny. This way, you'll get back to shape while achieving new people. Don't be afraid to enjoy the fun and date around to be able to get a feel for exactly what woman you genuinely wish to be with.

Though several divorcees reach an argument when they feel prepared to date again, there is simple truth which will prevent a lot of them from feeling convinced: They are not necessarily single, they are divorced. So, give yourself an opportunity and don't imagine that divorced dating is only for individuals who do not possess the responsibilities of youngsters. These groups will also be divided by years, such as groups for those under age 35 and such like. You don't have got to dwell on it a lot of but it aids you to identify the dilemma (problems) so its possible to recognize and prevent them again.

One from the hardest things for guys to accomplish is to start conversations which were actually fun as well as interesting and this will assist you out with this specific. Grow as someone and learn related to yourself, and you'll always be. New methods pertaining to finding romance, such as online dating services, have also become ever more popular. Enjoy on-line dating site after your separation, as it's the best way to widen the scope in the persons you will meet. Do try, however, to avoid brining a person's former spouse into this the main conversation. It does not matter when you are rich and gorgeous; if you would definitely be a divorced woman utilizing children, guys who are sincerely curious about the whole package rather then only the profit or the looks are few in number.

Source: http://mariaholt13.blogspot.com/2012/07/post-divorce-relationship-five-steps.html

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