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The consumers get into undesirable Credit Card Financial debt for a number of good reasons. Out of them, the latest federal financial debt researches have occur across that indebtedness can be caused mostly because of to three motives.
1) As a remedy for economic downturn two) Reduced self funds management three) Managing various credit cards at as soon as.
The current economic recession led people into poor debts. It revolutionized the entire US financial system by kicking numerous people out of their employment, by decreasing their extra advantages, salaries and so forth. So, we know that you were compelled to use credit score cards to meet your day nowadays conditions.
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There's been rumors of a Google-fied mobile payment system for some time, and now it looks like the Mountain View crew is teaming up with Sprint to finally make it happen. Last month, we heard that the Now Network would bring NFC payments to its customers this year, and Bloomberg reports that the partnership and payment system will make its debut on May 26th. Apparently, New York, San Francisco, Los Angeles, Chicago, and Washington D.C. are the first cities getting the service, which is a much broader initial footprint than its Isis mobile payment competition. The anonymous sources also say that Verifone and Vivotech are providing the hardware and software that will let you replace your credit card with a Nexus S -- because you always wanted to replace your credit card with your Nexus S.
Update: According to All things D, the payment system will be put through its paces by none other than El Goog's Executive Chairman Eric Schmidt at the D9: All Things Digital conference next week -- where we'll be on hand to peep the contactless payment presentation in person.
What Philip Hammond and Sir Roy McNulty are pussyfooting around is the fact that the current structure is the root cause of the high costs of our railways (Report, 19 May). When other European rail services are 30% to 40% less expensive, the most outstanding difference is the single national operator every other country has and our fragmented "system", with nearly 20 different players, that has let the cost of replacing a rail on the UK system become 40% more than in France, the Netherlands or Germany.
If changing to a single operator is too akin to renationalisation for the current Tory government, then the private company structure from before the second world war would be far more efficient and cost-effective than the present institutionalised chaos. As for the spin that the railways are only used by the wealthier sections of society, that's because the rest of us cannot afford the ticket prices, and limiting future price rises to RPI+3% will not change that when almost everyone except the immorally super-rich is experiencing a reduction in their income.
The suggestion that labour costs are too high does not seem to be backed up by comparisons with ...
Sigma?s flagship SLR, the SD1, has finally gotten a price and launch date. The 45-megapixel camera will go on sale in June 2011, and will cost a rather dizzying $9,700.
So what do you get for that money? It?s mostly about the sensor, which is either 15MP or 45MP depending on how you count the pixels. Sigma uses Foveon sensors, which stack red, green and blue pixels on top of each other instead of arranging them in patterns on a flat plane. This gives accurate color info for each pixel site. Other (usually Bayer-patterned) sensors use complex demosaicing algorithms to interpolate (or guess) what color the pixels should be.
The other result of this stacking is that the 45 million pixels give an image with the same dimensions you?d get from a regular 15MP sensor. Another surprise is that this is a cropped APS-C sensor, not a full-frame one. This will make any 35mm lenses longer by 1.5x.
One look at Sigma?s sample images, though, shows why people will buy this thing. It is effectively a medium-format camera with the size of a chunky 35mm SLR. Of course, Sigma has picked the best to put in its gallery, but the sharpness, color gradation and overall feel of the pictures is silky smooth.
And that?s just as well, as the other specs for the body are pedestrian to say the least. The ISO only reaches 6,400, there are 11 AF points and the rear screen only has 460,000 dots (even today?s high-end compacts have 900,000 dot screens). The SD1 certainly isn?t for you or me, but there might just be some studio photographers out there with their credit cards at the ready.
[unable to retrieve full-text content]In fact, there exists a number of automated twitter programs that can help you use twitter to generate money online.Blogging: Managing a blog is big business on the internet now! WordPress blogs especially are being used by thousands of ...
Silver investing has gotten a lot of press lately with silver?s amazing run up over the past eight months and even more so since February, making it a good market for creating wealth for some (and preserving wealth for others). Pundits all over the main stream media had been calling for the silver (and especially gold, with its 10 year run) bubble to burst and for the market to come crashing back down?
From an incredible high of near 50, the market finally did correct sharply? but it has NOT crashed, nor have the fundamentals for silver investing changed.
To understand both the gold and silver investing markets, you have to understand the macro economic picture, the big picture.
Silver is an industrial commodity, meaning that it not only has monetary properties due to its intrinsic nature and rarity among other things, but it is also used industrially in everything from cell phones, street lights, computers, solar panels and all sorts of consumer electronics. therefore it is a metal that is consumed (and in such small quantities per application it makes recycling the metal impractical in most instances), which reduces the supply over time which puts upward pressure on its value (if there?s less of something it becomes more valuable).
Gold is more a store of value and is mostly used as jewelery and as a backup for real money. it is one of the best (if not the best) conductor of electricity, but at $1500 an ounce today it again doesn?t make much sense to use in that application.
Today, our society operates on a fiat money system, which is essentially just paper money. the paper itself has no real value, in fact its only backed by the faith we have in the U.S. government to be able to govern its own affairs that gives it any value. and with the massive levels of debt we as a country are faced with ? more debt than we could ever repay, even with a 100% tax rate for all Americans ? many people are beginning to doubt that our government can manage its own affairs responsibly (as in paying its debts and assigning a fair value for the paper we trust them to create).
This is one of the fundamental factors driving up the prices of silver, gold and other precious metals. yes, there is speculation in the market due to the nature of leverage that?s available in the markets, but speculation on its own is not driving up prices. In fact, this most recent decline was due to regulators imposing not one or two but three increases in margin requirements, again affecting the amount of leverage a ?trader? could apply to the market which caused many traders to have to liquidate their positions or put more skin in the game.
At the same time, billionaire George Soros? fund sold a large quantity of silver into the market which further exasperated the situation and drove the price down (simple supply and demand). then, as the market began to decline, fear kicked in and computer programs and momentum really began to takeover bringing the price down now to around 34.
I?ve been a big proponent for silver investing for many years now, due to the market fundamentals, some of which I outlined above. am I now bearish on silver because the price came down?
Absolutely not! I am still very bullish on silver investing as well as gold investing because the fundamentals remain unchanged. has our government somehow discovered an extra $14.3 trillion to cover the growing deficit? Or another $80 trillion or so to cover the unfunded liabilities that may be off-balance-sheet but are still debts paid for and owed to tax payers (think of social security, medicare, medicaid, etc). There?s over $100 trillion of debt our government is defaulting on and the interest that?s accruing on it is only compounding making the situation exponentially worse?
?but our government does have a solution to this problem (though they won?t admit it through their words ? you have to look close at their actions to tell). It?s called inflation. their plan to pay off all this debt is to basically inflate or hyper-inflate the debt away. What does that mean? it means they plan to steal that money from everyone else by devaluing our money as they add trillions of dollars to the money supply.
Imagine you were playing monopoly with a friend and you got to be the bank. You both started out with the customary $1,500 each, right? now let?s say you purchased several properties and ran out of money but you landed on Boardwalk and purchased it with an I.O.U. You simply tell your friend that you are going to simply give yourself an additional $400 so that you can buy Boardwalk but he doesn?t get that extra $400 (he?s not the government or Federal Reserve ? which is neither Federal nor does it have any kind of reserve, nor is it a government entity, but I digress?).
So what?s happened? Essentially the money supply that had a value of $3,000 (both your $1500?s together) now in nominal terms is $3,400 ? that is 13% inflation! if you kept that up each round, what would happen? Your friend would run out of money while you could simply buy anything you wanted. and as you go around the board buying properties with your money-out-of-thin-air, he goes broke and you end up with everything ? (even though technically you should be in debt to your eyeballs). That?s what our government does!
However, in the real world, businesses are not stagnant. if they see prices increasing, they have to raise their prices in order to continue being able to make enough money so they too can survive. In the monopoly example, that would be like the price of Boardwalk going up to $500 to compensate for the extra money in the system.
So what about silver investing and creating wealth?
Anything that takes off and shoots up like silver did recently in such a short period of time ? even when the fundamentals are sound ? is bound to go through corrections. no bull market only goes straight up. as mentioned before, speculators jump in when they think they can make a profit and push high prices higher and lows lower.
Silver is a volatile market due to its small size among other factors. the general trend going forward continues to be up, however, as the metals do every year, I expect the summer to be a perfect time to pick up the metals cheap, silver perhaps in the high 20?s or so maybe a little lower as the dollar appreciates some with everyone currently fleeing the Euro for safety (Portugal and Greece default concerns, etc). the dollar is likely to drop back down coincidentally at the end of the summer as well which should prompt another good rally for silver.
The important thing is to do your homework and become financially educated. Learn about the benefits of silver investing as well as gold investing for that matter as well. Don?t just jump into or out of them because of fear or emotion. use common sense and educate yourself about the bigger picture in particular so that you?re prepared for whatever may come down the pike for creating weal regardless of the outcome ? keep your emotions out of it by being prepared and getting financially educated.
Jolene Henderson pitched a seven-inning bar w?th 9 strikeouts ?n? Elia Reid strike a two-r?n home r?n during a four-r?n second inning t? lead th? Cal softball group t? a 4-0 feat over horde Louisville ?n Saturday ?n th? NCAA tournament.
Th? Bears (41-10) allege t? Sunday?s Louisville Regional championship game. Louisville (38-19) gets a rematch w?th Cal ?ft?r violence Jacksonville State 12-0 ?n a late diversion Saturday. Th? Cardinals, though, m??t kick th? Bears twice t? advance.
Stanford: Th? horde Cardinal (21-6) mislaid t? top-seeded Virginia (33-0) 4-3 ?n th? NCAA men?s quarterfinals. Bradley Kahn, Ryan Thacer ?n? Matt Kandath h?? singles wins f?r Stanford,
Virginia plays Ohio State (34-2) ?n a semifinal compare Monday. Th? Cavaliers w??? play th??r fourth inhabitant semifinal th? past 5 years.
Golf
Cal: Th? Bears modernized t? th? NCAA championship f?r th? second h?n??t year b? finishing third altogether ?t th? Arizona Regional ?n
Tucson. Cal h?? a 54-hole sum ?f 843, 10 shots behind first-????? San Diego State. Freshman Ben An led th? Bears w?th a 208 total. H? shot a 66 ?n th? final turn t? ?n? ?n a tie f?r fourth.
Baseball
UCLA 2, Cal 1: Trevor Bauer pitched a five-hitter w?th 8 strikeouts t? lead t? th? horde Bruins (30-20, 15-18 Pac-10) t? a feat over th? Bears (30-17, 13-10). Chad Bunting strike a homer f?r Cal.
Fans lined adult 3 hours prior t? kickoff, available th??r possibility t? see America?s chronicle ?f football played f?r th? initial time ?n Africa.
Th? locals ?n Arusha, Tanzania, weren?t pretty certain wh?t, wh?n ?r wh? t? hearten f?r during th? diversion between th? Drake Bulldogs ?n? ?n ???-star group fr?m Mexico. B?t th? 12,000 ?r ?? wh? took ?n th? diversion seemed t? take pleasure ?n ?t. Drake, a non-scholarship module fr?m Des Moines, Iowa, kick th? CONADEIP A??-Stars 17-7 ?n th? Global Kilimanjaro Bowl.
Th? outing grew out ?f a prophesy b? Drake manager Chris Creighton ?n? took some-more th?n a year ?f ???tt?n? b? Global Football, a association th?t?s b??n holding U.S. college football teams around th? universe f?r 14 years.
, Like a small business operator, you should spend added awareness of management of savings. Given that expansion of your small business by some means depends on the financial position, always watch out for cash flaw inside of and out your company. It is genuine that not enough financial may become a major problem in the method of the success of your small business. Considering that a new woods enterprise face different form of fiscal issues, any kind of normal bank loan are not able to meet these kinds of needs.
For this reason, the particular borrower has to discover this type of remedy that can help small businesses in achieving various specifications with their small businesses. Business lending options are one loans which can be particularly personalized to meet requirements of an pine company firm. These loans can fulfill each and every financial feature any proceeding enterprise which enable it to aid that will organization inside expanding which has a more quickly pace. Considering that the marketplace is jampacked with various business mortgage plans, each small company owner may can get the desired amount without the issue. Therefore you own a brand new and small enterprise corporation as well as economic shortcoming will be troubling you, after that these refinancing options can be the very best help to suit your needs.
These refinancing options are really simple to acquire but also for receiving these financing options, really should have a great accepted business strategy plan. Ecommerce plan has to be doing work and may be accepted through the country wide corporate body. To get these refinancing options, the consumer also have to estimate just how much fund she or he will need pertaining to operating their business efficiently. Program for small enterprise loans consist of objective, sum as well as form of loan as a result, should you be looking for virtually any these kinds of company mortgage loan, then evaluate these terminology to secure a suited mortgage.
Normally, small company financial products tend to be pledged towards any higher appreciated guarantee in case regardless it is possible to retain any resource because collateral contrary to the loan amount, opting for short term loans work most effectively selection. Nevertheless, a company loan requires good credit rating for getting endorsement however, if you're low credit score debtor, and then also you can set up the required cash with poor credit financial products for small company. Usually, a regular enterprise mortgage loan requirements financing pitch plus some with the specifics of the actual consumer. Since processing of those particulars take a considerable amount of time, on the internet financial products are the best option.
In fact, on the internet lending options helps the business enterprise operator in saving their particular some time and allow them to target their particular central business pursuits. Along with small enterprise loans, your borrower has to consume a particle settlement course of action nevertheless this plan could be resolved depending on the month to month earnings in the involved company. These loans conserve the owner of a company in having this wanted profit level. Therefore, in case your small company is struggling due to unavailability regarding money, then these loans may help you in growing your corporation using a more rapidly rate.
The actual report known as your own business plan is not recommended; not necessarily if you need your small business to be a good results. Your company plan's necessary to keep your enterprise makes it after dark starting collection.
Your small business plan must be sensible and dealing. It is just a composed document that details the setting of your enterprise, your small business aims along with marketplace and also the economic predict of your respective enterprise. Your business prepare has a lot of features as well as is an acronym because most important file that you'll ever before produce for your enterprise.
The actual completed appearance and feel of your respective strategic business plan ought to be comprehensive and developed to a high level of high quality, even if your small business plan is developed generally for you personally, that literally brings us to my own following level; the audience of the strategy. It's going to be applied primarily because the technique of acquiring outer money for your enterprise. Several probable people may possibly fund your business ideas as well as use a person and also give serious cash as the result of the effectiveness of the plan.
And also the advantage of securing your company financing, your company plan allows you to discover stumbling blocks just before they will happen, structures the particular financial facet of the enterprise efficiently and also centers your own development attempts as well as doing its job a pace regarding accomplishment.
Not merely will your small business strategy become essential on the important set up position of one's enterprise, it's also a full time income document which will have to have updating as well as altering as your enterprise develops along with develops. No matter whether you would like to use your business strategy plan internally or as being a document for exterior make use of, you should be trustworthy as well as target when examining your company, not really this can lead to folks obtaining unlikely objectives associated with what your business are able to achieve.
Lots of people, over your organization growth might obtain to see your strategic business plan with some phase, including; banks, outside investors, scholarhip providers and also anyone thinking about purchasing your organization as well as getting your business spouse.
This particular created record of purpose information just how you're going to produce your company, explaining when this is going to take position along with which will play a role in making this occur. Your own prepare enables you to concentrate your head how a new enterprise will likely need to function allow it the best probability of achievement.
And also the over you'll have to include a part as part of your business strategy determined by the monetary estimate. This can be accustomed to placed everything that you might have explained concerning your company in to numbers. It should be employed to identify the amount cash you need to cover the start up elements of your business along with in which your current profits along with income will be via. The financial outlook must if at all possible include the first less than six a lot of your company, together with special emphasis on the very first 1 year. This section can be used to show your pondering powering your company stats; the purpose of it is to exhibit that your enterprise may have enough capital to survive.
Every facets of your business plan's critical, because of the way you found this thus make certain you have all the feaures protected and never depart specifics to probability.
more info : none ,
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Strategic business plan Actually Required
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To enjoy a great ride on the horse, you need a horse healthy and fit with various devices to communicate with your horse. When shopping for horse accessories, look good equipment that will last longer and ensure a safe journey on horseback.
Riding is more than just a sport. Riding pleasure. Do you need a long list of equipment to enjoy a great ride. This device is used to provide comfort for both horse and rider.One of the most important accessory is a horse's bridle that of many parts, such as a crown piece, cheek pieces, bits, reins, strap or nose band is. A rein not be loose or rough. Make sure it is free of cracks and joints are rotten, because they fall apart when in use can cause. Crops and plants are also important, with an array as a dressage whip, lunge whip, whips stain, rainbow-colored and crops.
You can lunge equipment that is important for the training of horses for sale.Cavessons, pipes and hoses are pretty important to get the best performance lunging horse. A cotton lunge Web is ideal for the perfect start to walk or trot your horse in a big circle. A lunging strap includes a padded nose band, throat latch and metal rings are used to attach the lunge. against a pillow and a ribbon belt, are sometimes used as additional straps for better stability. If you use a pillow belt, make sure that it is not allowedTether slipping in the eyes of the horse. Unlike the reins, the pressure on the horse's mouth and provides more control over a halter.
Saddles are used to the seat comfortable for the rider. It evenly distributes the weight of the rider and helps to maintain balance on the horse's back. Saddle Pad function implemented as a pillow and the horse, caused by the weight of the driver. These bearings are also mounted under the seat and take theSweat from the horse's back. Be careful not to use much, since it lead to slip the saddle. You can also saddle bags, who have specifically on different objects such as water, food and first aid kit. These bags are well balanced between the back seat.
Brackets give the rider more stability and control of leg position. A halter is a head and a nose band that tied the horse or out will allow for better control made. The parentheses areattached to the saddle by using thin leather straps. You can choose from a variety of clip as needed. These strips have holes that can be adjusted depending on the length. Holders must have an appropriate measure that allows the foot inside-out and very simple. Some brackets have rubber pads that are useful improvement to traction. When you try your shoes with rubber soles, to prevent the brackets as they could stick the rubber pad.
If you are under a severeRiding experience, you can use to strengthen the various stimuli as cues for the horse, if they do not respond well. To bring, spurs, you must have adequate experience and a good control of your lower leg. The lack of experience can get hurt on both sides of the horse with the spores. Spurs are two main types of short and simple western style, with a large Rowel. Blunts are short worn by fighter pilots and dressage during Rowel big favorite Cowboys. EachStyle you choose, make sure the spores are always rejected and have the longest side on the outside of the boots.
If you want to know more about the equipment and accessories for your horse, you can search the Internet and find a number of companies, personal expert advice to make your decision for devices that offer horse riding to help purchase a position of safety.
Activist shareholders pressed company management to halt marketing to kids, even asking the company to retire Ronald McDonald himself. A group of nuns from Philadelphia sponsored a resolution that would require the company to report on its policy responses to concerns about links between fast food and children's health, too.
And, as you might expect, the question-and-answer period for shareholders got a little bit testy.
Mary Engen, a Minnesota mother and grandmother, said the company's "predatory marketing makes it difficult for even the most diligent of parents to impart healthy eating habits" to their children. She asked when the company would stop "substituting public relations for real action" on children's health.
In response, McDonald's CEO Jim Skinner forcefully reframed the issue, saying, "This is all really about choice. And it is about protecting people's individual rights in this great democratic society that we live in." He said the company supported the right of free speech for its opponents and expected the same treatment. "We would like you to defend and respect our rights to communicate effectively through our advertising with our people."
A subsequent questioner, Don Zeigler, director of prevention and health promotion at the American Medical Association, asked Skinner if the company would respond to calls to retire Ronald McDonald, who has become a target of those who fault the company's marketing to kids. Short answer: No way.
Skinner's longer answer:
Ronald McDonald is an ambassador for McDonald's. And he's an ambassador for good. He is the face of Ronald McDonald House. He does not advertise unhealthy food to children. McDonald's does not advertise unhealthy food choices to children. We provide many choices that fit within the balanced active lifestyle. It is up them to choose. And it is up to their parents to choose. And it is their responsibility to do so.
Ronald McDonald is going nowhere.
Toward the end of the question period, a pro-Ronald shareholder asked Skinner why the clown wasn't at the annual meeting, as he had been in years past. In a moment of levity, Skinner cracked, "Ronald hasn't been because he's out in the field doing work and fighting through the protesters."
Finally, a preliminary tally of the shareholder votes released at the end of the meeting showed that the reporting proposal put forward by the Sisters of St. Francis of Philadelphia received only 6 percent of shareholder votes in its favor.
Corporate Responsibility International, which helped organized the actions to put pressure on McDonald's including the nuns' proposal, said in statement emailed to Shots that "such resolutions face an uphill climb given the opposition of the board." The group said it would continue to run ads featuring an open letter to Skinner seeking a halt to McDonald's marketing to kids.
The economic situation in our country for today is that it is necessary to use all possible and accessible means for magnification of profit of the enterprise. One of popular methods of engaging of clients is the Internet. The modern experts in marketing advise not to miss possibility to inform about the goods or rendered services, to the maximum quantity of potential clients.
So, from what to start to create the Internet business? All is very simple, as well as in life. First of all, the office, in this case ? virtual is necessary to any businessman. What is possible to imply the virtual office? As a rule, it is a specialized site on which pages, the complete information about your business is reflected. In certain cases, a quite good marketing course, can become usage of a personal blog, as platforms for attention engaging to these or those goods or service. However you can create and advertize the blog, simply enough, for creation of more serious Internet resource, the help of experts is required. Site development is enough difficult business to undertake for which independently it is not rational. It is necessary to consider that the site is first of all the working tool which should work and bring in the income. Therefore it is necessary to use it competently. First of all, competent optimization of a site for its advancement in a network the Internet is required. It will demand acceptance of some measures which include promotion of a site and many other things.
At the same time, it is not always enough to have the untwisted Internet resource that your business prospered. It is necessary to carry out the analysis of the modern market and a consumer demand, To conduct marketing researches. It will allow to direct casual ?passers-by? on your page as it is possible bigger amount of interested users. Effective enough is method of the report of the necessary information to potential clients, it is context-sensitive advertizing. This type of advertizing is considered the most favourable to fast obtaining of orders for your goods or service. The necessary to you information keywords are allocated only on subject platforms or in retrieval systems.
Pay attention, using the Internet, that it is possible not only to advance successfully the goods or services, but also to attract in business of potential investors and partners. And, propagation of advertizing materials is not restricted absolutely territorially. You can quite find clients and partners behind boundaries of the native land, thus, having expended on negotiations and correspondence the minimum quantity of time and means. The competent organization of Internet business guarantees to you that magnification have arrived several times
Any site needs to receive internet marketing. Find out how many site owners are getting traffic from search engines today ? this is part of Internet marketing strategy for successful online entrepreneurs shown on this web traffic site.
And once you have good targeted traffic ? then ?increase web traffic? questions become very easy.
P.P.S. Right now we live in the world where knowledge quickly enhances the quality of our life. Due to this if you are properly armed with the information in your topic you can rest assured that you will always find the way out from any bad situation. So, please make sure to visit this blog on a regular basis or ? best of all ? sign up to its RSS feed. Thus you will have your hand on the pulse of the freshest informational updates here. Blogging can be helpful, you just need to know how to use them.
We thought HTC's Flyer wasn't going on sale until May 22nd, but it appears a certain big box retailer has changed its plans. Our tipsters have told us that stores with the device in stock have started selling it today, May 20th, despite the somewhat confusing text you see in the picture above. So, if you're pining for a $500, seven-inch slab of silky smooth Sense 3.0, head on down to the local Best Buy and grab one yourself.
The Uptime Institute, for the first time, recently surveyed 525 data center operators and owners, 71 percent of whom are in North America. Of respondents, 36 percent said they will run out of power, cooling, and space through 2012.
To meet the need, 40 percent of the respondents plan to build a new a new data center, and 29 percent said they would lease additional space in a colocation center. Another 20 percent said they would move IT workloads to cloud providers.
Afcom, an association of data center managers, recently surveyed 360 IT managers and other IT executives, and found 29 percent are expanding or building a new data center. Another 21 percent said they are planning on expanding their existing data center or building a new data in the next two years.
Most organizations have taken advantage of the biggest "pressure reliever" of the last decade -- virtualization, said Tad Davies, executive vice president of the Bick Group, which designs and builds data centers. "There's not much more they can get there, so it's back to expansion," he said.
Matt Stansberry, director of content and publications at Uptime, who also developed the survey, said that with the economic downturn, "a lot of companies stretched server refresh cycles, but with budgets on the rise that means a lot of people will be running out of capacity."
Digital Realty Trust, a data center provider, recently surveyed 300 IT decision makers in North America with annual revenue of at least $1 billion or at least 5,000 employees. In its report this month, it found that 85 percent of respondents will definitely or probably expand their data centers this year.
That's a high percentage, but Digital Realty explains it by the size of the firms. Expansion includes everything from a physical expansion and leasing of colocation space to cloud computing services. It also represents a 4 percent increase over last year's survey results.
More power to them One way of measuring the impact of data center expansion is on power consumption.
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We've posted a fair share on bionic limbs and their advancements over the years, but rarely have we had the chance to see a video of one in real world use, on a real person. The BBC has shared a video of a man named Patrick using his bionic arm, which -- long story short -- was partially the result of being electrocuted at work. This is his second one to date and specifically, it's a prototype Otto Bock mind-controlled prosthetic arm equipped with six nerve sensors that let him use the hand as if it were his own-- it supports pinching and gripping with the fingers as well as lateral and circular movement of the wrist. Although the footage is a mundane roll of various day to day tasks -- gripping a bottle to pour a glass of water for instance -- it's quite amazing to realize technology is helping him do things he'd otherwise be deprived of. We'd suggest checking it out at the BBC by clicking the source link below.
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Parenting By The Minute: Practical Parenting Solutions Looking for positive solutions that are simple to apply and really work? Parenting is a Huge job, but fortunately you can make a meaningful impact in your child?s life in just a minute a day. Let me show you how! Parenting By The Minute: Practical Parenting Solutions Hot ?
RISMedia, May 21, 2011?OK, so you?re standing in line in the supermarket, or in an elevator, at a party, or in a networking group. Sooner or later, someone is going to say to you, ?So what do you do?? This is what you want, free publicity, so to speak. However, how you handle this question could determine whether this person becomes a prospective client, a prospective referral source or just walks away.
This article exposes three mistakes you could be making when answering ?So, what do you do?? and why they don?t work. The article will also provide the ideal answer and explain why it?s magical.
Mistake No. 1: You say too little.
You say something like, ?My name is Jane Doe and I?m with X Real Estate Company.? And then you smile, hoping the other person will ask you a question. They probably won?t. This is a mistake because you have made a short statement that doesn?t engage the other person. It doesn?t invite questioning. The other person may politely say what they do to fill the awkward silence or they may excuse themselves in a socially graceful way.
Mistake No. 2: You say too much and ask for the business
You say something like, ?My name is Jane Doe. I work for X Real Estate Company and I specialize in country homes. I love the country and I love to show country property. It feels so good to get outdoors, breathe the fresh air and help someone find a home they love in the country. So who do you know who is seeking to buy or sell a country home??
This is a mistake because you said too much about yourself, did not ask a question that would engage the other person and it?s too early to ask for business. You should be cultivating a relationship with that person. Remember, people do business with you when they know, like and trust you. With someone you just met, you?re still in the ?getting to know each other? stage. The most you should ask for is their business card and give them yours. If you have a connection with that person and would like to contact them in the future, you might consider adding them to your Sphere of Influence and sending them an Item of Value once a month.
Mistake No. 3: You talk on and on about yourself and your career
I know this may sound hard to believe but you?d be amazed at the things people say when they are nervous and trying to make small talk. Someone says, ?So what do you do?? and you answer, ?My name is Jane Doe and I?m with X Real Estate Company. I have been with them for five years. It?s a great company. All the people there are so friendly and helpful. I am so glad I chose real estate. I love the flexible hours and the income potential. This really beats my corporate job and ??
This is a mistake because it?s ?all about you.? The only things you?re promoting here are (1) the nice atmosphere of your office and (2) that real estate is a great career. If you keep going you might talk the other person into becoming a real estate agent, but they won?t be a prospective client or referral source.
So, what should you say?
With over 14 years of coaching real estate agents to double their incomes, I have found one amazing answer that does wonders? and I?m about to let you in on that secret.
Here?s the scoop. When someone asks what you do, you need to ask them a question to engage them. The question is, ?Well, you know how nervous and stressed out people can get when they are buying or selling a home?? Pause and let the other person respond with a ?yes.? Then you say, ?Well, I take care of all the details and paper work; I hold their hand through the process and make the whole thing a relaxing, enjoyable experience for my client. I?m a real estate agent with X company.?
Now, what do you think you?d feel or think if you heard that response? Most likely you?d want to do business with that person. Why? There are three reasons:
1. They didn?t talk about themselves.
2. They showed that they have a thorough understanding of the issues and problems people face when buying or selling a home.
3. They provided specific solutions to the client?s problems.
When you give this kind of answer there are a lot of benefits. The other person will be genuinely interested because you?ve engaged them. The other person will begin to trust you because you put the client?s needs before your own. Finally, you answered in a unique way that sets you apart from the crowd. So the next time that person has a real estate question they are going to call you because you have demonstrated that you care.
With those benefits, wouldn?t you want to use this answer, memorize every word and have it roll off your tongue the next time someone says, ?So what do you do?? You bet you would. Just watch your income increase.
Dr. Maya Bailey, Multiple 6 Figure Income Business Coach for Real Estate Professionals, integrates her 20 years of experience as a psychologist with 14 years of expertise in marketing. Her powerful transformational work creates a Success Formula for Real Estate Professionals ready to create a Multiple 6 Figure Income. To get your free report: ?7 Simple Strategies to More Clients in 90 Days? and to apply for an Initial Complimentary Consultation, go to www.90daystomoreclients.com.
RISMedia welcomes your comments and questions. Email realestatemagazinefeedback@rismedia.com.
Have you heard about RISMedia?s Real Estate Information Network? (RREIN)? RREIN is an elite network of leading real estate companies dedicated to providing consumers and their agents with leading real estate information, and committed to the belief that Information Share Equals Market Share. Having only launched this past June 2010, the RREIN network is already comprised of 40 leading brokerages, which make up 575 offices, 30,000 agents, 167,000 closings and represents over $41 billion in transactions. How can RREIN help your recruiting efforts and differentiate your company today? For more information, email rrein@rismedia.com.
Copyright? 2011 RISMedia, The Leader in Real Estate Information Systems and Real Estate News. All Rights Reserved. This material may not be republished without permission from RISMedia.
Actors: Jennifer Tilly,Gina Gershon,Joe Pantoliano,John P. Ryan,Christopher Meloni,Richard C. Sarafian,Mary Mara,Susie Bright,Margaret Smith,Barry Kivel,Peter Spellos,Ivan Kane,Kevin Michael Richardson,Gene Borkan
[unable to retrieve full-text content]No home improvement project can happen without proper tools and equipment. Usually you'll be working away and all of a sudden you'll need a specific tool, but you'll realize that you don't actually have it. Most likely you will try and ...
Mary Richert of Annapolis, Md., is trying to grow her own produce to curtail her oil and energy consumption.
As many Americans struggle with higher gas prices, others look for ways to live using fewer fossil fuels. They pursue a personal form of energy independence ? and they are finding that it's no easy feat.
About a year ago, following the Deepwater Horizon oil rig catastrophe that released millions of barrels of oil into the Gulf of Mexico, Mary Richert decided that she wanted to live a life free of oil. "I quit," she told American Public Media's radio program Marketplace. "I just want to stop using oil completely. I just don't want to ever see it or think about it again."
So she set out on a journey to give up gasoline. Every day, Richert, 28, a project manager for a small tech firm, tried to eliminate one thing in her life that was made with, or dependent on the production of, petroleum. She quit buying plastic ware for her kitchen. She shopped for local produce. She chronicled her quest on her blog, Not an Activist.
But everywhere Richert turned, she realized how much she relied on fossil fuels. Petroleum so permeates her life, she decided that she might as well face it: She is addicted to oil.
Living Plastics-Free
"I don't think oil is bad," Richert says today from her home in Annapolis, Md. "Oil is simply a resource, and the way we use it has a powerful impact on our environment and our society."
She says, "It's easy to point fingers at the oil industry and say the companies are to blame for oil spills, lives lost, and environmental damage, but we're still buying what they're selling, so we have to share the blame. The way we use oil and other natural resources in this country is unsustainable and puts us in a terrible bind in so many ways."
The first thing Richert learned when she tried to give up oil, she says, "was that it would be impossible unless I made some major changes in my way of life ? changes I wasn't ready to make at the drop of a hat."
Beth Terry of Oakland, Calif., doesn't own a car and takes her bike out to do shopping. She keeps tallies of her plastic waste on her blog.
Courtesy of Beth Terry
Beth Terry of Oakland, Calif., doesn't own a car and takes her bike out to do shopping. She keeps tallies of her plastic waste on her blog.
Driving a car, for instance. "I've definitely noticed the [gas] prices rising again," she says. "But I feel that as long as I'm still driving, I will have to pay the price. In the long run, I plan to work in or near my home, so I won't be so vehicle-dependent."
Over the past year, Richert has tried to curtail her oil and energy consumption. "I've cut back the amount of plastic I use. I've converted to about 97 percent vegetarian, I buy locally produced food maybe 65 percent of the time, and I sincerely try not to drive when I don't have to," she says. "I'm also trying to grow my own produce at home, which is interesting since I'm not a very experienced gardener. But if it's worth doing, it's worth the risk of failing, right?"
On the other side of the country, Beth Terry of Oakland, Calif., has at least reached a point where she is not paying ultra-close attention to the higher plateauing prices at the gas pumps. "I don't follow petroleum prices because, while I am not oil-free, I don't depend on it much," says Terry, a 46-year-old accountant. "We don't own a car, but do borrow Zipcars ? car-sharing ? a few times a year. We ride our bikes and take the Bay Area Rapid Transit."
Terry was forced to take several airplane trips at the beginning of the year to be near her dying mother. "I felt conflicted about that," she says. "Not that I wouldn't have done it! I just felt sad to have to use so much fuel."
After all, Terry says, "oil is a nonrenewable resource. It either comes from overseas or it must be extracted here at home, often creating catastrophes like the Deepwater Horizon spill."
Beth Terry of Oakland, Calif. keeps tallies of her plastic waste and writes about her adventures on her blog, My Plastic-free Life. Here are some of the steps she says she's taken to reduce her plastic and oil consumption.
Riding a bike to go shopping
Bringing cloth bags to the store
Growing an organic vegetable garden
Watering with a metal can instead of a plastic hose
Buying used things instead of new and shopping at thrift stores, Craigslist and Freecycle
Learning to fix things when they break instead of replacing them
Borrowing or renting instead of buying; using a local tool lending library, for example
Watch Beth Terry speaking last fall at a TEDx Conference about minimizing plastics in her life.
Source: YouTube
For Terry, the issue is not just the unslakable American thirst for oil, "but all fossil fuels, as far as I'm concerned. I don't want it to sound like I eschew oil but give natural gas and coal a pass. In fact, many plastics are made from natural gas as opposed to oil. But wars are not fought over natural gas. I guess that is the big difference."
In her home, Terry uses baking soda, vinegar, plain soap and other cleaning and personal care products that are petroleum-free. "There aren't many petrochemicals in our home," she says. "And, of course, there's the no-plastic thing that I've been doing since 2007." She keeps tallies of her plastic waste and writes about her adventures on her blog, My Plastic-free Life.
She is trying to eat food that requires less transportation. "I've just begun a little plastic-free organic veggie garden in my front yard," Terry says, "but we buy most of our produce from the farmers market, and it does have to be trucked there. We only buy organic produce, beans, grains and dairy. But we also eat in local restaurants sometimes where the food is not necessarily organic, and who knows where it comes from?"
Terry works hard at her elusive dream of oil-lessness. "Anything I order online requires fuel to ship," she says. But she says she does receive a lot of plastic-free product samples to review on her blog. Over the years she has featured, among other things, rubber flip-flops, a stainless steel lunch kit and wine bottles stopped with natural corks.
Silver Buckshot
The desire to be liberated from oil's omnipresent grip is set against a backdrop of America's love-hate relationship with energy.
There are conspiracy theorists who believe the government and big business are in cahoots to keep the country tethered to the gas pump. There are the drill-baby-drill proponents who believe that untapped oil and gas could lead to energy independence. And there are peak-oil believers who say there just is not enough oil left to meet the burgeoning demand.
The National Petrochemical and Refiners Association, a Washington lobbying group that promotes the use of petroleum, points the finger at the Obama administration for actively advocating energy policies ? such as higher taxes, the cap-and-trade energy plan and thwarting domestic oil production ? that "explicitly call for increasing consumer energy costs."
When Charles Drevna, president of the group, is asked what he tells people who are trying to use less petroleum, he says: "We believe in energy conservation, mass transit and improved fuel mileage for vehicles. We believe that if all forms of energy compete on a level playing field, consumer choice and the free market will determine the energy sources that best serve the needs of the American people."
Poll after poll show that Americans ? on the right and the left ? believe we should consume less fuel. Some maintain it is a national security concern; others say it is an environmental issue.
On a macro level, says Phyllis Cuttino, director of the Clean Energy Program at the Pew Charitable Trusts, "America needs to get started and do many things to address our dependence on oil, particularly in the transportation sector: Make cars and light trucks more efficient, encourage the deployment of electric vehicles and plug-in hybrids and their necessary charging infrastructure, and invest in the development of advanced batteries and biofuels and renewable energy."
She adds, "An admiral I know is fond of saying, 'When it comes to energy, there is no silver bullet ? there is only silver buckshot.' "
The Off-Gridders
And so on a micro level, people are trying ? in silver buckshot ways ? to adjust their habits to the higher price of gas. Yet even those who carry on the most ascetic, pared-down existence depend on petroleum in some form or other.
No one is sure just how many Americans live off the national public-utilities grid ? relying on generators or alternate energy sources such as solar, wind and geothermal. In his 2010 book Off the Grid, Nick Rosen estimates that up to 520,000 households and up to a million people are living off the grid.
If anyone is going to be living oil-free, it would probably be an off-gridder. But Rosen, who runs the Off-Grid website, says that in all his travels he has never met anyone who has achieved personal energy independence.
Most off-gridders, Rosen says, have radically reduced their energy consumption, "to the point where high energy prices are not a substantial part of their weekly budget ? even if they are using heating oil."
Many are living electricity-free, Rosen says, "but even for those who live off-grid, oil is far too pervasive to be possible to cut it out altogether."
He says, "Most have cars, and those who travel by horse and buggy, such as the fast-growing Amish population, still have everything from motor-driven agricultural equipment to lubricants for their air-powered industrial equipment."
Petrol Pessimism
James Howard Kunstler, a writer in upstate New York, has thought a lot about America's longtime dance with oil. In 2005, he wrote The Long Emergency about a coming permanent oil crisis, among other catastrophes. And in 2008 he wrote World Made by Hand, a futuristic novel about post-oil America.
"Sure, people can make changes in their lives: grow some of their own food, move where they live from a [mucked]-up place to somewhere more favorable, change vocations or trades, raise chickens, eschew debt," says Kunstler from his home in Saratoga Springs. But "I'm serenely convinced that most people won't."
When it comes to people and petroleum, Kunstler subscribes to a very pessimistic theory of human behavior. He puts it this way: "People will do what they do ? until they can't."
RISMedia, May 21, 2011?OK, so you?re standing in line in the supermarket, or in an elevator, at a party, or in a networking group. Sooner or later, someone is going to say to you, ?So what do you do?? This is what you want, free publicity, so to speak. However, how you handle this question could determine whether this person becomes a prospective client, a prospective referral source or just walks away.
