Monday, July 30, 2012

Weekend Family Escapes Are Good For Families | 106.7 WTLC

Ground Rules It may be constructive for the entire family to create a list of ?dos and don?ts? for the extended weekend. One example might be to leave electronics at home. If a cell phone is compulsory for an emergency circumstance, it can be left in the ?off? position. Another idea is to ban all negativity. There should be no discussion of the last report card grades or who doesn?t like someone?s friend. This is a time for laughter, smiles, and excitement with each other that is full of affirmative experiences.

Take into Consideration Constructing a plan is essential to ensure a tranquil weekend. Parents must decide if they would like to surprise their brood or include them in the preparation. Deciding how long is spent in transit is important. Make certain to take full advantage of the time doing fun things together and not traveling for the bulk of it.

Since this is a mini-vacation for the entire family, make sure to incorporate at least one activity that each person will enjoy?Something unique just for him or her. These amazing weekends are perfect for produce memories that will last a lifetime.

Ideas Since each family is distinctive, there is no right or wrong answer when choosing the destination for a weekend getaway. It can be as undemanding or as extravagant as time and budget allow. To spend very little money and stay close to home, reserving a hotel room in a nearby city may be just the thing the family needs. Be sure the hotel includes a pool and either movie rental or DVD access. Once there, hours can be spent playing in the pool as a family, ordering take out, and watching movies. A Bed and Breakfast could be substituted as well. They tend to go to great extremes to make your stay unforgettable.

Camping is an additional reasonably priced weekend outing. Without the distractions from home such as television, phones, console games, and so forth, families can spend uninterrupted time together hiking, swimming, playing board games, and telling campfire stories. Children love to hear stories about when mom and dad were little. Camping is a versatile option because there are lots of campsites across the entire United States.

Source: http://tlcnaptown.com/1871361/weekend-family-escapes-are-good-for-families/

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Sunday, July 29, 2012

Layton Hower ? Fascinating Details About Self Improvement And ...

For several, choosing the daily life they need to reside is something that seems most definitely only a chance inside the webpages of any narrative publication. Cinderella is, obviously, fiction. Existence choices, nonetheless, are reality. Whether or not we are aware of it or otherwise, our alternatives establish final result.

Making use of your drive time to hear textbooks on Disc might help successfully pass time and expand the mind. From books to personal-help subject areas, there is numerous audio publications open to buy or have a look at at no cost with the community catalogue. As being a reward, reading and even listening to somebody go through is seen to improve the vocabulary therefore making you wiser!

Developing a collection of the items symbolize what you are trying for in your self improvement may help you carry on path. You could make a collection by evaluating old problems of your own preferred magazines, cutting words and images which can be significant in your objectives, and gluing them on to a page of papers. Install it in close proximity to your bed furniture so you?ll view it each morning and night time to use as a visual memory of your self improvement desired goals.

Anger and hostility can pull us down and affect not merely our emotions but those of individuals in close proximity to to us. By establishing dealing strategies that route emotions of disappointment into a lot more constructive activities, we can easily use unfavorable pressure to further improve our situations. Venting frustration in wholesome exercising, for instance, is not going to only increase our mood but our overall health.

Work at a job you love. The significance of this cannot be over-stated. If you devote 40 hours weekly somewhere, make sure it is a location you want to be. Those who like their tasks are more happy individuals. If you do not take pleasure in your projects, find out what you adore so it can be done.

Shame is a major obstacle to personal development as a result of unfavorable affect it has on self-confidence. Feelings of guilt generally mean that one particular has behaved from one?s beliefs. Personalized principles are regulations one particular chooses, generally in years as a child, about how precisely 1 need to are living. Guilt suggests that a person has, in essence, cracked one?s individual code of integrity.

Make sure to handle a positive perspective on lifestyle. It is really an easy task to say I will not achieve that or give full attention to items that there is no need. As an alternative, once you capture oneself considering adverse, make on your own think about optimistic that will go in addition to that believed. Being optimistic will assist you to realize your successes and maintain you working on other people.

Personalized development might not be easy actually, it sometimes consists of lots of personal pain prior to the growth and development starts. When we make our way by way of life, it can help to improve every single challenge and look for the great in it in order that we can easily consistently get better at finding true joy inside ourselves.

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Source: http://www.laytonhower.com/index.php/test/fascinating-details-about-self-improvement-and-exactly-how-it-could-help-you/

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Court lets Stockton, Calif. cut retiree health care

SAN FRANCISCO (Reuters) - A federal bankruptcy judge on Friday cleared the way for Stockton, California to cut health care benefits for retirees while it is in bankruptcy proceedings.

Stockton is seeking Chapter 9 protection from its creditors and said that it would cut retiree health benefits while it reorganizes. Retired employees sued to stop those cuts.

Judge Christopher Klein on Friday issued a temporary order denying the bid to stop the benefit cuts, and he said a formal decision was on its way.

Stockton's attorneys had argued that bankruptcy law gave the city wide latitude on how to spend its revenue while it prepares a plan to restructure its finances.

"For the reasons explained in the forthcoming decision of this court, the Application for Temporary Restraining Order and Preliminary Injunction or in the Alternative for Relief from Stay is DENIED," Klein wrote.

"A further order will be entered contemporaneous with the formal decision," the temporary order said.

The case in U.S. Bankruptcy Court, Eastern District of California, is an adversary proceeding, 12-02302, associated with the main bankruptcy case, 12-32118.

(Editing by Carol Bishopric)

Source: http://news.yahoo.com/court-lets-stockton-calif-cut-retiree-health-care-003955314.html

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Home Based Business Offline Advertising and marketing Strategies ...

The net has grow to be the biggest medium of communication; and has presented plenty of organization possibilities. On the web dwelling based organization owners are inclined to limit themselves to on-line promoting procedures. Nonetheless, there is a huge possible to promote your property based enterprise by means of some price powerful offline advertising and marketing strategies. So what are essentially the most successful offline advertising and marketing approaches for the house based organization?

1. Word of mouth within your circle of influence
Word of mouth is one of the ideal cost-free advertising channels. We all have individuals we interact with on a daily basis, and these are potential shoppers. Make a list of each of the people today you realize or interact with and how are you able to ideal tell them about your internet company. Be passionate about your web business and constantly be ready to tell a person about it when an opportunity to do so presents itself!

2. Mail-out newsletters and flyers
Mail-out newsletter or flyers might be effective if you target it to a certain ?group?. You may create 1 to distribute to local day care centers just as an instance ? and in your newsletter or flyer, highlight the rewards of a web-based company for the targeted group, for example earning revenue at home for remain at home moms or dads. Posting your home based business URL on bulletin boards can also be successful.

three. Use and give away totally free branded ?stuff
You may promote your company by getting your URL on all of your stationery, all written communication and other items you?ll be able to give away free of charge. If you would like to acquire a lot of people to understand about your property based company, you?ll need to come up with some inventive strategies of advertising your URL. You?ll be able to be restricted only by your imagination. Have your company cards together with your property based business URL. Give them out to individuals you meet, leave them about where you could, such as in your nearby coffee shop.

four. Newspapers and magazines
Nearby newspapers are excellent for marketing your on-line business. Most neighborhood papers have home enterprise opportunities? section, so you run a typical classified advert. Moreover, get in touch with your nearby newspaper or business-oriented magazine and let the small business editor know you might have a new organization and web site and what you offer you. Neighborhood newspapers are frequently considering featuring neighborhood organization people today and their accomplishments. This is no cost advertising and really should often be applied. You?ll be able to also speak to your nearby magazine and present to write a monthly or weekly guest column for them, and include things like your author bio and dwelling based business URL.

5. Joint ventures with offline small business
You may get into a joint venture partnership with an offline business enterprise which sells a complementary product or service to your residence based business enterprise. For those who can determine a partner that ideal fit your business, this is an important offline advertising and marketing method that could enable you to succeed inside your residence based enterprise by enabling you to reach possible shoppers which you could not reach ahead of. As an instance, for those who have a site promoting fitness/health items or tips, you could prepare a leaflet and make a handle an offline nearby fitness/health shop exactly where they giveaway your leaflet to their shoppers with each and every obtain.

The offline advertising and marketing approaches outlined above can allow you to develop your house based enterprise. I?ve used these methods alot and they operate well. So what are you currently waiting for? Get available and promote your company offline!!

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Source: http://answers.apostoliccm.com/2012/07/home-based-business-offline-advertising-and-marketing-strategies/

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Saturday, July 28, 2012

Video: Are KLG and Hoda feeling ?manky??

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Source: http://www.msnbc.msn.com/id/29054368/vp/48354541#48354541

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Fired MLS coach Nowak sues Philadelphia Union

Associated Press Sports

updated 4:54 p.m. ET July 26, 2012

PHILADELPHIA (AP) - The fired coach of the Philadelphia Union has sued the soccer club's owners over his $373,000 annual contract.

Peter Nowak alleges that his firing violates a contract guarantee through 2015.

Nowak, of Naples, Fla., was fired last month after a 2-7-2 start that had the Union in ninth place in the 10-team Eastern Conference standings. The Major League Soccer club, under interim coach John Hackworth, remained in ninth place Thursday with a 6-10-2 record.

The club's termination letter alleges that Nowak created a hostile work environment, berating and intimidating other employees, and risked his players' safety by making them play while injured. The letter also accuses him of physical confrontations with players and officials; subjecting players to hazing; and insubordination to the club's chief executive officer.

The termination letter, filed with the lawsuit, also asked him to repay a $46,000 marketing advance.

Nowak seeks at least $150,000 from the federal lawsuit, filed last week in Philadelphia. According to the lawsuit, he rejected a separation agreement that would have paid him through the end of 2012.

The lawsuit names two corporate owners, Pennsylvania Professional Soccer LLC and Keystone Sports and Entertainment LLC, as defendants.

The Union did not immediately return a message left Thursday with its media office.

Nowak, who was hired in 2009, alleges in the lawsuit that the contract called for him to be warned about any deficiencies and be given time to cure them but that he instead was dismissed without warning.

? 2012 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.


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More newsAFP - Getty Images
Terry not off hook in racism case

??PST: The British courts have had their say on the alleged John Terry ugliness, but now England?s FA will have something more to say about it.

Getty Images
PST: All-Star week epitomizes Beckham arrangement

With David Beckham rising to the occasion (remarkably so, given his lack of training), the MLS All-Star Game became a metaphor for league?s entire Beckham experience. For all the worries about his commitment to his North American mission, Beckham was there when it counted.

Source: http://nbcsports.msnbc.com/id/48345078/ns/sports-soccer/

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Friday, July 27, 2012

Daniel Cormier gets Frank Mir for his final Strikeforce fight

Daniel Cormier has his final Strikeforce opponent, and its a UFC heavyweight. According to USA Today, former champion Frank Mir will fight Cormier, the Strikeforce heavyweight grand prix champ, in a yet-to-be announced Strikeforce event in October or November. The fight will air on Showtime.

Mir's manager tweeted, "@thefrankmir just asked me to tweet for him "that he's very excited about this opportunity and is very grateful to the @ufc for making this fight happen."

Mir last fought at UFC 146, where he was knocked out by Junior dos Santos in the second round of a championship bout. Before the loss to JDS, Mir had wins over Antonio Rodrigo Nogueira, Roy Nelson and Mirko Filipovic.

The match-up is an interesting one for Mir to take, as he has had difficulty with wrestlers in the past. Of the three losses in his last 10 fights, two came to fighters with significant wrestling backgrounds. Cormier is a two-time Olympic wrestler.

He was the surprise winner of the grand prix that started with Fedor Emelianenko and Alistair Overeem as the favorites. He beat Antonio Silva and Josh Barnett on the way to the championship. His record now stands at 10-0. After this bout, Cormier is expected to join the UFC, like every other heavyweight on the Strikeforce roster.

Who will take this bout? Speak up in the comments, on Facebook or Twitter.

Source: http://sports.yahoo.com/blogs/mma-cagewriter/daniel-cormier-gets-frank-mir-final-strikeforce-fight-125450289--mma.html

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Tuesday, July 24, 2012

Colorado shooting puts police chief in spotlight

[ [ [['Connery is an experienced stuntman', 2]], 'http://yhoo.it/KeQd0p', '[Slideshow: See photos taken on the way down]', ' ', '630', ' ', ' ', ], [ [['Connery is an experienced stuntman', 7]], ' http://yhoo.it/KpUoHO', '[Slideshow: Death-defying daredevils]', ' ', '630', ' ', ' ', ], [ [['know that we have confidence in', 3]], 'http://yhoo.it/LqYjAX ', '[Related: The Secret Service guide to Cartagena]', ' ', '630', ' ', ' ', ], [ [['We picked up this other dog and', 5]], 'http://yhoo.it/JUSxvi', '[Related: 8 common dog fears, how to calm them]', ' ', '630', ' ', ' ', ], [ [['accused of running a fake hepatitis B', 5]], 'http://bit.ly/JnoJYN', '[Related: Did WH share raid details with filmmakers?]', ' ', '630', ' ', ' ', ], [ [['accused of running a fake hepatitis B', 3]], 'http://bit.ly/KoKiqJ', '[Factbox: AQAP, al-Qaeda in Yemen]', ' ', '630', ' ', ' ', ], [ [['have my contacts on or glasses', 3]], 'http://abcn.ws/KTE5AZ', '[Related: Should the murder charge be dropped?]', ' ', '630', ' ', ' ', ], [ [['have made this nation great as Sarah Palin', 5]], 'http://yhoo.it/JD7nlD', '[Related: Bristol Palin reality show debuts June 19]', ' ', '630', ' ', ' ', ], [ [['have made this nation great as Sarah Palin', 1]], 'http://bit.ly/JRPFRO', '[Related: McCain adviser who vetted Palin weighs in on VP race]', ' ', '630', ' ', ' ', ], [ [['A JetBlue flight from New York to Las Vegas', 3]], 'http://yhoo.it/GV9zpj', '[Related: View photos of the JetBlue plane in Amarillo]', ' ', '630', ' ', ' ', ], [ [['the 28-year-old neighborhood watchman who shot and killed', 15]], 'http://news.yahoo.com/photos/white-house-stays-out-of-teen-s-killing-slideshow/', 'Click image to see more photos', 'http://l.yimg.com/cv/ip/ap/default/120411/martinzimmermen.jpg', '630', ' ', 'AP', ], [ [['He was in shock and still strapped to his seat', 6]], 'http://news.yahoo.com/photos/navy-jet-crashes-in-virginia-slideshow/', 'Click image to see more photos', 'http://l.yimg.com/cv/ip/ap/default/120406/jet_ap.jpg', '630', ' ', 'AP', ], [ [['xxxxxxxxxxxx', 11]], 'http://news.yahoo.com/photos/russian-grannies-win-bid-to-sing-at-eurovision-1331223625-slideshow/', 'Click image to see more photos', 'http://l.yimg.com/a/p/us/news/editorial/1/56/156d92f2760dcd3e75bcd649a8b85fcf.jpeg', '500', ' ', 'AP', ] ]

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Source: http://news.yahoo.com/colorado-shooting-puts-police-chief-spotlight-072346423.html

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Monday, July 23, 2012

A List Of Expert Tips For Buying Real Estate | Realty Services Plus

If you are shopping for a new home, you are probably looking for some advice that will help you get the home of your dreams without spending much money. Here are some ideas to help you on your way with real estate.

Request a checklist from your Realtor. There are many Realtors that have a checklist like this already prepared. It covers the entire home-buying process, from choosing a house to getting a loan. The checklist can help ensure that everything is taken care of when it needs to be.

Leverage a trustworthy partner so you can buy a bigger and better parcel of commercial property. It will facilitate the qualification process for the commercial property loan. Investing with a partner helps to reduce the cost you will have to pay for a down payment, and it can increase your chances of being approved when applying for a large commercial loan.

Exercise flexibility when making decisions. You may have to sacrifice some of your expectations in order to live in the neighborhood of your choosing, or vice versa. If you cannot afford a home in the neighborhood of your choosing, take time to check if there any homes within your budget available. You may be surprised by what you nearly passed up!

If you already have an approval letter, a seller will be more interested in your offer. Also, getting approved after choosing a property can cause the buying process to drag on, which can increase your costs.

It is vital that you contact a mortgage lender and get pre-qualified prior to searching for a new home. One main benefit is the ability to search with confidence within the range that you know you can afford and be approved for. Securing a mortgage can be a lengthy process and being pre-qualified is the first step in that process.

Get organized before you jump into the house-buying game. Commit a notebook to information that is gathered through a variety of sources. If you use this method, you will have all of your findings in one place if you need to refer to it.

Stick to your objectives when purchasing real estate as an investment. Figure out whether you are trying to meet your long-term goals or your short-term ones. Don?t invest in any property that is irrelevant to your long-term or short-term goals. A lot of owners make compromises and buy something that does not satisfy them or even lose money.

Real estate might be a hard thing to grasp at first but you will quickly progress as you become more familiar with this complex world through research and common sense. Using the tips in this article can help you become a smart property

Source: http://www.realtyservicesplus.com/a-list-of-expert-tips-for-buying-real-estate/

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Del Webb Communities in Florida Experience Resurgence in Buyer ...

TAMPA, Fla. ? A steadily improving national economy and increasing consumer confidence, especially from Baby Boomers in the U.S. Northern states, have prompted more buyer interest for retirement and second homes across Florida, according to Del Webb, the nation?s leading builder of developments for people ages 55 and older.

?

?We are seeing the first signs of a growing wave of pent-up demand for new homes in our active adult communities in Florida,? said Sean Strickler, vice president of Del Webb in North Florida, which is currently selling in six Del Webb communities in the Jacksonville, Ocala, Orlando and Tampa markets.

?

?A substantial portion of recent newcomers at our Del Webb communities had previously delayed building a new home in retirement, and were dependent on selling their family homes in the Northeastern states. ?But, with national economic conditions improving and Baby Boomers? savings increasing, they are no longer delaying their plans for retirement and want to start taking advantage of the legendary Del Webb lifestyle,? Strickler added.

?

According to recent studies by Del Webb, there is an upward trend of Baby Boomers becoming more financially prepared for retirement and also planning to retire in a different state than they currently live. ?Florida remains a perennial favorite and a top contender among Baby Boomers looking for their retirement home.? ?This bodes well for the sustainable homebuyer interest and the willingness of Baby Boomers to sign contracts with Del Webb communities,? Strickler said.

?

The Sutters, who recently moved into a new home at Del Webb Stone Creek in Ocala, had leased an apartment when a buyer made an offer on their home in Ohio almost as soon as it was listed. Having put off their Florida retirement for almost five years waiting for prices to recover, the Sutters paid a small penalty to break their lease to move into their new Florida home.

?

For recent Del Webb Orlando newcomers James and Amy Setaro, who moved into their new home at Del Webb Orlando in May, the story is the same; as well as for Earl Ellsworth and Joyce Ryan from Raleigh. In just three days of his home being listed Ellsworth sold his home while Ryan home sold hers within 60 days.

?Luckily we found a short-term rental nearby because our new home at Ocala?s Del Webb Stone Creek will be ready for move-in by October,? said Ellsworth.

At Del Webb Ponte Vedra near Jacksonville, three couples: Jerry and Joannie Brandman from Orchard Lake, Michigan, David and Patty Carpenter from Massachusetts, and Bo and Jean Fritz from Pennsylvania accelerated their new home purchases ? thanks to quick sales of their family homes.

?That?s the story we?re hearing over and over again, and we expect we?ll hear it a lot more as the economy picks up steam and housing sales improve across the board,? Strickler said.

Source: http://madduxpress.com/index.php/2012/07/21/del-webb-communities-in-florida-experience-resurgence-in-buyer-traffic-and-interest-baby-boomers-from-the-u-s-northern-states-drive-demand-49919/

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Paid Surveys ? The Paid out Survey Blueprint | artzycreations.com

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Source: http://artzycreations.com/paid-surveys-the-paid-out-survey-blueprint/

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Sunday, July 22, 2012

Online Marketing Basics for Small Business | Affordable Web Design ...

Online Marketing Basics for Small Business

As you might remember not so long ago we had internet connections via a telephone line, we happily browsed our favorite websites waiting oftentimes a couple of minutes for images and long paragraphs with funky fonts and colors to load. Back in those days we did not have many options, for most people the idea of buying online seemed like a 70?s sci-fi movie.

Because of the high costs associated with creating a website in the early ages of the internet, this was a luxury item of larger companies; it almost felt more as status symbol. ?Nowadays as you already know many things have changed.

Today your website is probably one of the best sales tools your business can have, here?s why

It?s your best lead generation tool: in today?s market even the smaller companies can compete against the largest companies in the world for potential customers

It?s your most cost effective sales tool: forget newspapers, yellow books and old media, websites can take orders, accept new customers and much more 24/7 without having to have anyone waiting on the phone to take an order

It?s a fast marketing testing tool: with a click of a button you can change products name, prices, pictures, copy and much more to see what appeals more to your customers, ?good luck trying that with a catalogue?

It?s your own retailer and sales person: setting up an e-commerce website today is not only easy but affordable, your website can take orders, payments and automatic process the orders and shipping if needed

Understanding online marketing and its process

Yes, your website is probably one of the most important assets in your online marketing efforts, however its far from being the only thing you need when creating an internet marketing campaign. Most small business make the mistake of believing that by just putting a 5 page catalog website together on the web will bring all the customers they had been waiting for. In today?s competitive marketplace this will rarely ever do anything for your company.

If you want to create a successful marketing campaign you have to create and follow a step by step process to run and grow your business online.

Step 1: Take charge and be consistent

You can achieve online marketing success if you put the time and dedication to educate yourself about the different online marketing strategies and take charge of your online efforts. If you put up a website, Facebook page and twitter account just to leave it alone and never come back to it, failure will soon follow you and most people blame some obscure evil internet god, where you think you got too late into the game, that you are not a 22 year old Harvard genius or that you are just unlucky. Believe me many people go through this, only to come back years later regretting all the success they would have had accomplished if they only had stuck with it.

Your online marketing needs a great image: starting from the colors you choose for your logo and the font you use in your website, your online marketing message has to be clear. Remember will all the clutter that most people see on the media everyday oftentimes less is more. Forget the flying color letters and loud funky music on your website, chances are its just going to get mixed with the sweet soft online radio station of your customer and you just made her close her browser as fast as she could. Remember to put the same creative elements on all your marketing materials as you do in your website so you can create what is called a business brand.

All about hosting and domains: today millions of domains are registered every day it?s not as easy as it used to be to find a good domain name for your business, keep in mind that there are many different online marketing strategies that can be improved by having a good domain name for example if you have a domain that includes the correct keywords for your business this will eventually help you with your search engine optimization efforts. Also keep in mind that hosting is very affordable nowadays back in the day I remember having friends pay over $50 a month for basic hosting service. Today you can get a great hosting service with all the necessary tools for your website at a low monthly cost.

Step 2: Establish your online brand

Website design: Don?t be fooled by some of the larger companies that tell you that web design is an obscure world of code wizards and design goddesses. With the advances in today?s online technologies is fairly affordable to have a great and effective website designed. Don?t take me wrong, I?m not saying find your 17 year old nephew to design your website as I?ve seen before, or to go to craigslist and find that $20 web designer that will create your online masterpiece, this will shortly result in online marketing failure. All I?m saying is that you don?t have to spend 5 or 7 thousand dollars to get a very effective and appealing website.

It?s all on the content: Don?t follow the same error of many small business owners when they start creating a website where they put all the time and energy finding the right colors, the perfect logo on all the awesome images for the website but they neglect to create the best copy and content for their customers to read, after all most people go online to find useful information. Not only this but shortly when you discover the wonders of search engine optimization you will rapidly find that the content on your website is a key factor in your online marketing efforts. If you don?t feel as creative as you were in your junior high poetry writing class, i highly recommend finding someone who can help you create compelling content for your site.

Communicate your offer: Many companies get distracted and use their website as a tri-fold brochure. Make sure you find the single reason why someone will visit your site and clearly give your visitors what you have to offer. It could be a simple contact form for more information, a sales video or a well put together sales page with an integrated online payment, whatever it is make sure you clearly tell your prospective customers what you offer and what action you want them to take.

Step 3: Build your audience

I could literally write 10 books in this subject and will definitely give you more detailed information later on, but this is how some say ?where the magic happens?, here is where you could give up to have the best designed website, all the social media pages in the world and so forth if no one is finding you online there is just no point of losing your precious time and money on these internet adventures. Traffic=customers=sales

Search engine optimization: SEO or search engine optimization is probably one of the most important pieces of the online marketing puzzle. This is where if done correctly can take your business from a small pop and mom corner shop to a large online retailer. Basically millions of people search every day for services and products online trough search engines, SEO is what helps you beat the competition so more people will find you.

Social media: If by now you don?t know what Facebook or twitter is you must have been living under a rock for the past 5 years. As you know today almost everyone is connected online with their friends, family and colleagues trough some social media site. You need to take advantage of this by creating a social media campaign, just as I explained earlier about web design, you won?t do much by just putting up a Facebook or Google+ profile, you have to create a strategy to reach all those potential customers with which you can easily interact online.

Paid online advertising: Just as important as some other online marketing methods paid online ads can be a very effective sales tool. Between Google Adwords, Facebook and banner ads there are plenty of companies looking for you to spend your beloved dollars advertising with them, make sure that before you take your shiny credit card out of your wallet you analyze and understand where your money is going and how is it going to help your online marketing efforts.

There are plenty of other online marketing strategies to follow, for now i wanted to cover some of the most important basics that will hopefully guide you on the right direction. Please keep tuned for more tips and information to help you create or enhance your small business online marketing campaigns.

Source: http://www.alldigitalmedia.com/marketing/online-marketing-basics-for-small-business/

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Saturday, July 21, 2012

Many Pregnant Women Fear Exercising | FYI BeHealthy

by

Posted 07/20/12 4:22 AM ET


WebMD does not provide medical advice, diagnosis or treatment. See additional information.

This entry was posted in Fitness and Exercise, Uncategorized and tagged exercise, fitness by . Bookmark the permalink.

Source: http://www.fyibehealthy.com/2012/07/20/many-pregnant-women-fear-exercising-2/

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McCain calls accusations against Clinton aide 'sinister'

Several House Republicans, including Representative Michele Bachmann, sent a letter to the State Department in June suggesting that a member of the Secretary of State's staff had ties to the Muslim Brotherhood. Now other Republicans in Congress are criticizing this action.

By Thomas Ferraro,?Reuters / July 19, 2012

In this file photo House Speaker John Boehner of Ohio participates in a ceremonial swearing in with Rep. Anthony Weiner, D-N.Y., and his wife Huma Abedin on Capitol Hill in Washington. Boehner said that it's dangerous for a fellow Republican to allege that an aide to Secretary of State Hillary Rodham Clinton has family ties to Egypt's Muslim Brotherhood.

AP Photo/Charles Dharapak

Enlarge

The top Republican in the U.S. Congress on Thursday criticized Representative Michele Bachmann and four other fellow House Republicans for making "pretty dangerous" accusations when they questioned the security clearance of a Muslim aide to Secretary of State Hillary Clinton.

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The comments of House of Representatives Speaker John Boehner came after Senator John McCain, the 2008 Republican presidential nominee, blasted the five lawmakers for seeking an investigation into whether Huma Abedin, Clinton's deputy chief of staff, had connections to the Muslim Brotherhood, an Islamist political organization.

Boehner, speaking at a regular news briefing, said "accusations like this being thrown around are pretty dangerous." He said he did not know Abedin, but "from everything I know of her, she has a sterling character."

McCain took to the Senate floor on Wednesday to accuse the lawmakers of making a "sinister" attack on Abedin. Following the custom in Congress, he did not name them but left no doubt he was talking about Bachmann, as well as Representatives Louie Gohmert, Trent Franks, Thomas Rooney and Lynn Westmoreland.

They sent a letter in June to the State Department's inspector general suggesting members of Abedin's family may have connections to the Muslim Brotherhood, which the writers said may be seeking access to high levels of the U.S. government.

Most attention has focused on Bachmann, who earlier this year failed in her bid for the Republican presidential nomination. She has long been criticized by fellow Republicans, among others, for controversial comments and factual errors.

Bachmann defended her actions Thursday on the talk show of conservative host Glenn Beck. "If my family members were associated with Hamas, a terrorist organization, that alone could be sufficient to disqualify me from getting a security clearance,"?Bachmann said, according to a transcript of her remarks. "So all we did is ask, did the federal government look into her family associations before she got a high level security clearance."

Source: http://rss.csmonitor.com/~r/feeds/csm/~3/fN6ZuPnbUik/McCain-calls-accusations-against-Clinton-aide-sinister

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Friday, July 20, 2012

Life as a Healthcare CIO: Our Cancer Journey Week 30

Today Kathy visited her oncologist to discuss a 5 year course of anti-estrogen (tamoxifen) therapy. ? ?I've said before that Cancer is chronic disease and although the first phase of our journey ends on July 31 after 8 final radiation treatments, the vigilance for reoccurrence and the medications to minimize risk begins thereafter.

Tamoxifen, a competitive inhibitor for estrogen, makes great sense for Kathy because her breast cancer is estrogen receptor positive - estrogen makes it grow. ? She'll have to watch for endometrial cancer (The American Cancer Society lists tamoxifen as a known carcinogen, stating that it increases the risk of some types of uterine cancer even though it lowers the risk of breast cancer recurrence) and possible memory changes. ? She'll start taking Tamoxifen about 10 days after the end of radiation therapy.

We're preparing to celebrate the end of her treatment phase (chemotherapy, surgery, radiation) and the transition to maintenance and prevention on July 31. ? ?One small complication - having just turned 50, my first ever colonoscopy is scheduled for that day so the champagne may have to wait until August 1.

Starting in August, Kathy's life becomes much easier since she no longer has to commute daily for radiation therapy. ? ?Since Boston has two seasons - winter and road construction - the fatigue of the past 6 weeks has been significantly compounded by sitting in traffic every day for up to 3 hours.

August will be much more settled than the rest of the year thus far. ? Treatment will be done, my office schedule will be iighter, my daughter will be away, and our previous home will have closed escrow. ? What will we do with all that free time?

Our llama and alpacas will move to Unity Farm the week of August 20 (assuming all our fences are finished, our hay arrives, and the folks transporting the herd will be available).

We just learned that our llama is likely pregnant, so we'll have a mama llama. ?The llama gestation period is 11.5 months, so she'll likely have the cria (baby llama) next Summer. ? I welcome suggestions for names. ? The suggestions I've had thus far are Dolly Llama and Ding Dong (as in 'who put the Mom in Mama Llama Ding Dong?')

This weekend we'll visit the alpaca herd in Maine to learn about toenail trimming, vaccinations, and general health assessment. ? I may be an emergency physician but doing procedures on a 150 pound furry camelid will be a learning experience.

After July 31, Kathy will not have another medical appointment until January 29, 2013 when she has a screening mammogram and a followup with her breast surgeon.

Next week will be my last post about this part of the cancer journey. ? It has been an emotional, anxiety-filled time for both of us. ? We're looking forward to maintaining wellness instead of treating illness.

Source: http://geekdoctor.blogspot.com/2012/07/our-cancer-journey-week-30.html

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Thursday, July 19, 2012

Chinese Silver Price Rises, Gold Up and Down

Chinese silver saw a one percent increase in its price on July 17, 2012, reaching CNY 5,820 ($912) per kilogram and making it the biggest upwards shift of the day on global precious metals markets. US silver finished the day down 0.8 percent to $27.07 per ounce. Indian silver prices inched up 0.6 percent to INR 51,871 ($937) per kilogram. The price of Japanese silver nudged up 0.1 percent yesterday, closing at JPY 690.00 ($8.73) per 10 grams.

After two flat days, the price of Japanese gold bullion inched up 0.9 percent on Tuesday to JPY 4,048 ($51). US gold bullion prices saw a 0.7 percent decline to $1,580 per ounce. After a 0.4 percent increase, Chinese gold bullion finished the day at CNY 327.46 ($51.33) per gram. The price of Indian gold bullion increased 0.2 percent to INR 29,284 ($529) per 10 grams.

At CNY 311.50 ($48.83) per gram, Chinese platinum bar fell 0.6 percent on Tuesday. US platinum bar closed 0.4 percent lower at $1,410 per ounce. The price of Japanese platinum bar declined 0.3 percent to JPY 3,616 ($45) per gram.

Chinese palladium bar finished the day down 0.4 percent to CNY 141.00 ($22.10) per gram. After three straight days of no change, the price of Japanese palladium bar decreased by 0.2 percent to JPY 1,473 ($18) per gram. At $577.00 per ounce, the price of US palladium bar was essentially unchanged.

Source: http://feedproxy.google.com/~r/agmetalminer/~3/EUBiZ_fLtYY/

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Cocoon Heroes 'Into the Magic' London event now on sale!

LWE and Cocoon have announced full details of their huge winter showcase at London Pleasure Gardens, with tickets now on sale through Skiddle.

Cocoon's first large scale London show takes place at the new London Pleasure Gardens venue on Saturday 1st December from 8pm to 6pm, with some of Cocoon's biggest players flying in for the occasion.

Label head Sven Vath headlines, while Detroit icon Carl Craig joins Cocoon's leading lady Cassy for a rare back to back set.

Fast rising Cocoon stars Mathias Kaden and Onur Ozer are also confirmed to appear.

More huge announcements are coming soon, but with earlybird tickets selling out in less than 12 hours we wouldn't wait around.

Organisers have also added that they are fully confindent in the new venue, despite the problems encountered at Bloc, and are working hard to put extra provisions in place to avoid any issues.

Get your tickets below.

Source: http://feedproxy.google.com/~r/Skiddle/NightlifeNews/~3/GDfJcw-F8vA/

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Friday, July 13, 2012

Israel allows prison visits from Gaza relatives

[ [ [['Connery is an experienced stuntman', 2]], 'http://yhoo.it/KeQd0p', '[Slideshow: See photos taken on the way down]', ' ', '630', ' ', ' ', ], [ [['Connery is an experienced stuntman', 7]], ' http://yhoo.it/KpUoHO', '[Slideshow: Death-defying daredevils]', ' ', '630', ' ', ' ', ], [ [['know that we have confidence in', 3]], 'http://yhoo.it/LqYjAX ', '[Related: The Secret Service guide to Cartagena]', ' ', '630', ' ', ' ', ], [ [['We picked up this other dog and', 5]], 'http://yhoo.it/JUSxvi', '[Related: 8 common dog fears, how to calm them]', ' ', '630', ' ', ' ', ], [ [['accused of running a fake hepatitis B', 5]], 'http://bit.ly/JnoJYN', '[Related: Did WH share raid details with filmmakers?]', ' ', '630', ' ', ' ', ], [ [['accused of running a fake hepatitis B', 3]], 'http://bit.ly/KoKiqJ', '[Factbox: AQAP, al-Qaeda in Yemen]', ' ', '630', ' ', ' ', ], [ [['have my contacts on or glasses', 3]], 'http://abcn.ws/KTE5AZ', '[Related: Should the murder charge be dropped?]', ' ', '630', ' ', ' ', ], [ [['have made this nation great as Sarah Palin', 5]], 'http://yhoo.it/JD7nlD', '[Related: Bristol Palin reality show debuts June 19]', ' ', '630', ' ', ' ', ], [ [['have made this nation great as Sarah Palin', 1]], 'http://bit.ly/JRPFRO', '[Related: McCain adviser who vetted Palin weighs in on VP race]', ' ', '630', ' ', ' ', ], [ [['A JetBlue flight from New York to Las Vegas', 3]], 'http://yhoo.it/GV9zpj', '[Related: View photos of the JetBlue plane in Amarillo]', ' ', '630', ' ', ' ', ], [ [['the 28-year-old neighborhood watchman who shot and killed', 15]], 'http://news.yahoo.com/photos/white-house-stays-out-of-teen-s-killing-slideshow/', 'Click image to see more photos', 'http://l.yimg.com/cv/ip/ap/default/120411/martinzimmermen.jpg', '630', ' ', 'AP', ], [ [['He was in shock and still strapped to his seat', 6]], 'http://news.yahoo.com/photos/navy-jet-crashes-in-virginia-slideshow/', 'Click image to see more photos', 'http://l.yimg.com/cv/ip/ap/default/120406/jet_ap.jpg', '630', ' ', 'AP', ], [ [['xxxxxxxxxxxx', 11]], 'http://news.yahoo.com/photos/russian-grannies-win-bid-to-sing-at-eurovision-1331223625-slideshow/', 'Click image to see more photos', 'http://l.yimg.com/a/p/us/news/editorial/1/56/156d92f2760dcd3e75bcd649a8b85fcf.jpeg', '500', ' ', 'AP', ] ]

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Source: http://news.yahoo.com/israel-allows-prison-visits-gaza-relatives-172417938.html

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Tuesday, July 10, 2012

Fake Aniston movie role lures deadbeat dad

Kevin Winter / Getty Images

By Randee Dawn

As they say, if it seems too good to be true, it probably is. Now, tack on this corollary: If you're a deadbeat parent who has skipped out on your child support payments and a random call suggests you're in line for a role in the next Jennifer Aniston movie -- well, you might want to think twice about flying home for your close-up.

That's what Joshua Garlathy discovered when he flew in May from Hawaii to Pennsylvania, where he owed over $43,000 in child support payments, according to Pennsylvania paper The Morning Call.

The 40-year-old had been absent from his child's life for 19 years, and as his support payment debt grew, he ultimately decided to live in Hawaii, where extradition was apparently too expensive for local law enforcement. That meant his ex-girlfriend Beth Ann Holderman and bounty hunter Scott Bernstein had to come up with a ruse to get him to return.

Bernstein contacted Garlathy on Facebook,?pretending to be a movie producer, according to The Daily Mail. Bernstein lied that one of his "talent scouts" discovered Garlathy playing guitar in a cafe where he worked, and wanted him to appear in a new rom-com starring Jennifer Aniston called "Banished from Brooklyn."

The whole thing was a story Bernstein invented. But Garlathy bought it, and was handcuffed when his plane landed. He was in fact?greeted by cameras at the airport, but they were for a reality show?making a series on deadbeat parents.

Last Tuesday, after spending 42 days in jail, Garlathy pleaded guilty for willful failure to pay child support, The Morning Call reports. He previously paid?$10,000 toward what he owed, and Judge James T. Anthony put him on 90 days probation and dunned him for the $2,912 plane ticket Holderman had ponied up for the Hawaii-Pennsylvania jaunt.

"This guy thought he was going to be a star of motion picture(s) and change his life and the reverse happened," Bernstein told the Mail. "He was arrested on the plane in front of 250 people."

The Morning Call?says Garlathy is the first man charged in Pennsylvania under a new law that allows the state to charge individuals criminally for failing to pay child support.?

"He always wanted to be famous," said Holderman. "Now, he's famous."

Related content:

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Source: http://todayentertainment.today.msnbc.msn.com/_news/2012/07/09/12641138-jennifer-aniston-movie-role-lures-deadbeat-dad-home-to-face-43k-bill-arrest?lite

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Monday, July 9, 2012

Best Buy cutting 2,400 jobs nationwide

Best Buy Co. Inc.?

According to a company statement, 1,600 of the layoffs would occur through the company?s 1,050 stores, which is an average of two employees per store. The total also includes 650 Geek Squad division employees. Best Buy?s Geek Squad services appliances and televisions in customers? homes.

The employees? last day will be Aug. 1.

In March, the Richfield, Mn.-based retailer, which has five stores in Memphis, announced plans to shut down 50 stores across the U.S., in a move that would eliminate 400 jobs. The company also announced a new store concept that would center around service, in order to compete with online retailers like Amazon.

No stores in Memphis were included on the closure list.

Source: http://feedproxy.google.com/~r/vertical_58/~3/vwKJBMSPZrQ/best-buy-cutting-2400-jobs-nationwide.html

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Sunday, July 8, 2012

HBT: Greinke ejected in 1st for spiking ball

Zack Greinke was ejected in the bottom of the first inning against the Astros this afternoon for spiking a ball in the dirt following a close call at first base.

Greinke gave up a leadoff triple to Jordan Schafer before Jose Altuve hit a chipper to Corey Hart at first base. Greinke ran over to the first base bag to catch the throw from Hart, but Altuve was ruled safe on a very close play. Greinke didn?t argue the call, but took out his frustrations by slamming the ball into the ground. He was then given the boot by first base umpire Sam Holbrook. You don?t see that very often.

Brian McTaggart of MLB.com passes along word that that Greinke was saying, ?I?m mad at myself. I?m mad at myself,? so it appears he was taking his frustrations out on himself for losing the footrace. However, Holbrook evidently took it personally. Trigger-happy, much? Brewers manager Ron Roenicke emerged from the dugout to defend his starting pitcher, but he was also ejected from the game. Livan Hernandez is now pitching in relief.

Any scouts who came to see Greinke today are likely bummed, but it?s not a complete lost cause. Wandy Rodriguez, another popular trade target, is pitching for the Astros.

Source: http://hardballtalk.nbcsports.com/2012/07/07/zack-greinke-ejected-in-first-inning-for-spiking-baseball/related/

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They are struggling to find a better way to travel | american-in-jordan ...

You are here: Home > Charter Jets > Chartering a private jet to find a better way to travel



Chartering a private jet

Chartering a private jet

The positive aspects of chartering a private jet are so numerous that it is difficult to know where to start.?We should start with ease.?Renting a private jet is one of the easiest ways to get to imagine.?Everything from how much you spend what you eat when you go where you are, who you go with the trip, and who is responsible for your flight experience is under your control.?While budgetary constraints mean that some components are less flexible than others, all aspects of private flight, no matter the budget, a significant improvement over regular commercial flights.
When chartering a private jet, you can not select menu options to choose from, but if you want, you can use caterers who want to use and select it.?Assuming that provides catering service on board as a catering service in mind, a charter company to work with them at mealtimes, you want to deliver during the flight.
Associated traveling with you under your control, too.?No more guessing when the baby cries do not sit near you or not.?They chartered the plane, and if you do not want them to board, they do not.
From the perspective of business, nothing is faster to get your personal vehicle or in the air like a private jet charter.?Private parking is generally close to the terminal where the plane leaves.?Security checks are quick and should be done as an advanced screening, it will be done with privacy and discretion as an alternative in the world with commercial travel.?Private charter flights can adapt to almost any destination or starting point.?Your crew will work with you to ensure your flight plan meets all the requirements of your departure and arrival location.
At one point, flying in a chartered private jet is a bit like when you a gourmet.?A group of charter focus on how to enjoy the attention for a change, if you are flying by chartering a private jet today.

Tags: budget, business, catering, catering service, charter, chartering, chartering a private jet, chartering a private jet today, commercial flights, commercial travel, destination, flight experience, flying, guides, jet, leusure, privacy, Private charter flights, private flight, private jet, private jet charter, travel

Source: http://american-in-jordan.com/chartering-a-private-jet-to-find-a-better-way-to-travel.html

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Real Estate Property Buying Created Simple For Yourself | kkr-fans ...

Acquiring real estate can be quite a real challenge ? even for individuals with some encounter in your community. But once you know what you should expect, the difficulties will never be also tough. The initial step in achieving success is to get knowledgeable. This article contains many suggestions that may help you on your journey to moving the fascinating however difficult arena of real estate property buying.

While searching for a home to purchase, ensure to concentrate on the ground plan. You can?t alter the format of the home, so it is crucial that any residence you think about has an installation which fits your family?s requires. Observe the sleeping rooms some residences ask them to all on a single surface and some incorporate some upstairs and several downstairs. Think of what could meet your needs and eradicate houses that do not have your type of surface plan.

When purchasing real-estate, remember that lots of the stuff you find unappealing regarding a distinct house are beauty in general. In this way, you will be able in order to avoid on your own from disregarding a potentially great residence on account of recognized defects that might be very easily and at low costs remedied.

Be sure you request your real estate professional for any copy of the information and facts sheet for each property that you look at. This gives you an archive of residences which you have seen, and a great way to point out to on your own of this distinct residence. This may also test your agent to discover how helpful the agent is to your preferences.

Jot straight down all the stuff that happen to be crucial that you you when selecting your brand new home. Then separate their list into things which are should haves, things that you prefer, and stuff that your are rather versatile on. This will help prevent you from being stressed along the way in search of your dream home.

If you have in the past dropped on difficult periods, along with your property foreclosed on, there are methods you may yet again be a homeowner. Mortgage loan organizations for example Fannie Mae and Freddie Apple computer may possibly again another home mortgage to suit your needs within 3 years according to the circumstances around your real estate foreclosure.

When looking to purchase a residence, and is particularly achievable you may resell, bear in mind the quantity of bedrooms determines how easy your property will promote later on down the line. Buyers like about three and four bedroom properties the best. If you purchase a property inside that variety, far more buyers will be interested in your home as it pertains time to re-sell.

It?s a great deal to soak up. But similar to most things, understanding is energy. We require that knowledge to be able to guard our own selves to make smart decisions. When it comes to your real estate purchases, this is particularly significant. This information has offered you a jump start in your new expanded understanding of buying real estate property.

read blog post

Source: http://kkr-fans-news-blog.com/real-estate-property-buying-created-simple-for-yourself/

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Saturday, July 7, 2012

Tips for Normal Delivery

During the pregnancy term, an expectant mother is exposed to diverse experiences in terms of bodily changes. The most trying part of it, however, is when the mother has to give birth. At the time of childbirth, an expectant mother must avoid surgery, though in some cases, a c-section may become necessary. Here are a few tips to have a normal delivery.

  • When you are in the advanced stages of your pregnancy, avoid standing for long durations. Standing will make the baby to come further down the pelvis due to the gravitational pull. Standing for longer durations, therefore, may pose problems.
  • Natural or normal childbirth can be facilitated with the help of spicy foods or foods that heat the body temperature. If, however, you are experiencing heartburn or nausea, avoid spicy food.
  • You should indulge in labour stimulating foods, such as papaya, pineapple and mangoes. These are rich in bromelain, an enzyme that has a softening impact on the cervix upon consumption. When consuming these fruits, make sure that they are fresh. Fruits that are canned tend to lose the bromelain content when put through processing.
  • If the contractions have already started, you must walk for at least 30 minutes every day as walking facilitates the movement of hips form side to side. This helps the baby to position itself correctly for a normal delivery. Going for brisk walks regularly during the pregnancy term ensures that your muscles remain toned.
  • Going through labour is physically demanding. You will need to have immense strength. The right thing, at such a juncture, would be to indulge in cardiovascular exercises. Practice the exercises regularly to build stamina. You must, however, make sure that you consult a doctor before indulging in any type of exercise.
  • Yoga sessions may prove to keep surgical childbirth away. Considering that yoga exercises are more or less breathing exercises, practising them regularly will help in regulation respiration and heart beat. This will also help relax the system. You may also choose to practise yogic postures that resemble squats and pelvic tilts as these may prove fruitful in expanding the pelvic regions and facilitating a smooth and natural childbirth.

Although, these tips assure you have a normal delivery, they must not be practised until a doctor check against them in the list of things you can do to have a safe delivery. The doctor's agreement to any of these tips is important because every woman is different.

Source: http://delivery.ezinemark.com/tips-for-normal-delivery-7d3782356e92.html

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Best Of The Blogs, Real Estate: A New Deadline Set For Those ...

This column highlights the most interesting and useful financial commentary on real estate from around the Web every Friday.

NuWire
Link: Foreclosure Challenge Deadline Extended

?If you?ve lost your home to foreclosure ?or your home is 'underwater' (you owe more on your mortgage than your home is worth), and you believe it?s because your lender messed up, you?ve got just two more months to apply to the federal government for help.?

?The Office of the Comptroller of the Currency and the Federal Reserve Board offer a program called Independent Foreclosure Review to people who have lost money or their homes because of errors by banks in foreclosure actions during 2009 and 2010. On June 21, the agencies announced an extension of the deadline to file for the free review: instead of the end of July, you now have until September 30, 2012.

?There?s also the possibility that banks are getting hit twice for the same errors. The same banks ? Bank of America (BAC), JPMorgan Chase (JPM), Citigroup (C), Wells Fargo (WFC), and Ally Financial (ALLY) (formerly known as GMAC) ? that are subject to the review program agreed to a $25 billion settlement in February 2012. That landmark case settled charges that the banks routinely approved loans without checking their facts, a practice known as 'robo-signing.'?

HousingWire
Link: GSE Buyback Claims Hit Regional Banks, Bank Ratings at Risk: Fitch

?Fannie Mae and Freddie Mac continue to issue mortgage repurchase requests to major banks while regional banks are beginning to fear the pinch of those requests, Fitch Ratings said.

"In recent months, PNC (PNC), Suntrust (STI) and First Horizon (FHN) said they plan to boost loss reserves to hedge against future repurchase claims from the GSEs."

Real Estate Research
Link: Comparing Price-to-Income Ratios to Affordability Across Markets

?To recap, the price-to-income ratio is a useful metric when gauging where current home values stand in relation to their historic norms, and when comparing the affordability of housing across different cities in the United States. The ratio compares the median price of homes to the median level of household income in a given area. Specifically, we used the metro-level Zillow Home Value Index, which is a measure of home values for a given metro, as well as median household income for that metro. Median household income is currently available through 2010. After that year we calculated the median household income by estimating it via Bureau of Labor Statistics wage growth rates. In this research brief we consider 133 metros and the United States as a whole.

"Compared to their historical averages, measured from the first quarter of 1985 to the fourth quarter of 1999, 23 metros are below their historical average, while 106 metros and the United States as a whole are above their historical average. Four of the metros are exactly at their historical mean. The United States currently has a price-to-income ratio that is equal to 2.8, which puts it at 11% over its historical average. Eighty-two metros are still more than 10% over their historic average. Six metros have overshot their historical average by more than 10%.

"Surprisingly, more metros are currently over their historical average than last year at the time of our last brief. Some of that can be explained by home prices appreciating a bit and some can be explained by sluggish income growth. Both of these factors will increase the price-to-income ratio.?

Housing Wire
Link: OCC Warns on Rising HELOC Risks

?A significant amount of home equity lines of credit will reach the end of their draw period beginning in 2014, about the same time the Federal Reserve plans to end its downward pressure on interest rates.?

?More of these loans are already falling into trouble. The delinquency rate on HELOCs increased to 1.78% in the first quarter from 1.69% at the end of last year, according to the American Bankers Association."It will be many quarters before delinquencies on home equity loans get back to anything close to normal," said ABA Chief Economist James Chessen.?

?'Approximately 58% of all HELOC balances are due to start amortizing between 2014 and 2017,' the OCC said. 'Housing price declines have led to questions for the banking industry about carrying values and allowance levels that support home equity portfolios.'?

Economists? Outlook Blog
Link:Realtor? Confidence in Market Outlook Continues to Rise

?This month?s RCI shows residential markets that continue to recover. ?Realtor? confidence and price expectations are higher than was the case a few months ago. ?Rising rental rates have favorable implications for home sales. ?Time on market continues to decrease. ?Prices and interest rates continue to be lower than has been the case in the past. ?These are the reasons that we continue to view the outlook as favorable for home sales.

"Given that the typical homeowner will occupy a house for approximately eight years after purchase and that home ownership is basically a lifestyle decision in addition to a financial commitment, one can make a very good case that this is a good time to buy a house, remembering that staying within a reasonable budget and acceptable mortgage is important.?

No positions in stocks mentioned.

Source: http://www.minyanville.com/sectors/real-estate/articles/home-values-value-index-United-States/7/6/2012/id/42208

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Church of England set to vote on women bishops

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Source: http://news.yahoo.com/church-england-set-vote-women-bishops-052920200.html

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