Sunday, September 30, 2012

JoeMcVoy.com | Profitable Marketing Systems ? Blog Archive ? Use ...

When you get away from everything, you will understand how simple most people are. Just being ordinary should not mean you only create ordinary products. Continue reading to learn the right way to approach Affiliate Marketing to gain the success you want.

Keep in mind that your website?s look and functionality are just as vital to your business as a more traditional in-store shopping experience. Keep track of which banners and links get the most clicks and test your site regularly to make sure everything is working fine. If your store is not working well, customers will not stay.

You will need to generate leads to get sales. Real-time leads will unify both you and a potential customer during the moment in which this person is looking for product information. Contacting your customer as they express their need for your product gives you the best chance of selling them your product.

E-commerce is noted for its intense competitive nature between vendors; small businesses are particularly affected by this. You can beat the odds though by changing your prices often as you adapt to what your competitors are charging. It is a good idea to set up a storefront within the marketplace, where all your products can be purchased in one convenient, simple to use place.

Subscribers will be your main source of increased profit. Split testing is an effective way to determine best methods since it offers different web pages to different groups. If one strategy is significantly more effective, then adopt the winner as your standard marketing strategy.

Content that is well written, unique and relevant is a must. Creative adjectives help to create a sexy aura on your site. Develop your own unique vocabulary that will catch people?s attention. Make your readers want to come back and hear more of your thoughts.

Make sure that your company has a URL that is easy to remember. If you can, it is best to include your business?s name or major brand in the URL. Your best bet is to register a domain name that is easy for customers to remember; this is far more simple than locating your address from a search engine.

Create product and service packages that you can sell at a wholesale discount, and propose distribution agreements with other retailers on the web. Try linking a variety of different markets. Doing this will increase overall sales. Online travel services are the quintessential example of good packaging. They combine the services of airplane ticketing, car rental and hotel booking, generating higher sales volume for all three and making their own tidy profit. This is a great option if your business sells products that can be considered supplementary to another company?s products, rather than competing products.

Attach a personalized signature to your emails, with your name and a link to your site. On the internet, your email signature is the equivalent of your business card. You can increase traffic and revenue to your site by offering to show people your business via email.

One fun marketing campaign is to have a contest on your website that offers great prizes. You could do word scrambles, using terms relevant to what you?re selling, and give prizes for the right answers. Give them a free treat for doing so. Customers will feel closer to you this way, thus, increasing the chances of them buying your product.

The most effective marketing strategy is to have quality content on your site. Your content should be frequently reviewed to ensure that it says what you want it to say. Have someone else look over your content, too. A fresh outlook can provide useful insight and catch errors that would have otherwise gone unnoticed. Finally, you must be sure that you run a spelling and grammar check on your content to ensure everything is correct.

There?s a lot that goes into running a business online, so make sure that you?re keeping up with all of your statistics. Information about your traffic and sales over time is invaluable for creating a marketing plan and adapting to changing trends. Keeping track of what does and does not work is important.

Make sure your purchasing software uses strong encryption. You should start an account which allows you to have safe transactions done on your site. Paypal is one of the most popular. Before a customer sends you any money, they need to create a secure account.

Even if your business is just a home office with an internet presence, take the time to create a logo and slogan. Using these tools helps potential customers remember you. A potential customer can remember a slogan for a while. When a customer decides it?s time to buy something, a memorable slogan might be the key to getting them to come to you.

Wealth is a great motivator, but don?t let money alone interfere with your dreams for your business. Your quest for money will serve as a motivator, and the tips in the article just discussed can help you get started

Tags: affiliate marketing, marketing strategy, potential customer

Source: http://joemcvoy.com/use-these-tips-for-a-dynamic-affiliate-marketing-campaign?utm_source=rss&utm_medium=rss&utm_campaign=use-these-tips-for-a-dynamic-affiliate-marketing-campaign

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Vomiting virus hits thousands of German children

BERLIN (AP) ? German health authorities say the number of children that have fallen ill with vomiting and diarrhea after eating food from school cafeterias and daycare centers has risen from about 4,500 to 8,400.

Authorities in Berlin and the surrounding eastern German states reported the new gastroenteritis cases Saturday, while laboratory investigations to determine the exact cause of the outbreak were still under way.

Berlin's health department says the sicknesses are moderate and most children recover within two days without requiring to be hospitalized.

In Saxony state, at least 16 cases of norovirus, a mostly food- or water-borne illness, were proven, according to German news agency dapd.

The government-affiliated Robert Koch Institute said Friday that all facilities where the illness occurred likely received food from a single supplier.

Source: http://news.yahoo.com/vomiting-virus-hits-thousands-german-children-150021669.html

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a new opinion in Computer about Apple iPad 2 Wi-Fi 64 GB

Product Type: Apple Tablet PCs / eBook Readers

Newest Review:?... with my HTC phone. The HTC started staying in my room never to see the light of day. The same thing happened when purchasing a table... more

I used to like trying most phones but was very reluctant to try the Iphone as everyone else was on the bandwagon and I wanted to be different. Eventually I succumbed and bought one. I was using the Iphone in tandem with my HTC phone.

The HTC started staying in my room never to see the light of day.

The same thing happened when purchasing a tablet. The HP Touchpad was a good deal so I bought it. Found it really good. I then had a bit of money and bought an Ipad 2 Wi-fi 64gb. Guess what, the HP Touchpad was sold to a work colleague.

The Ipad is so much easier to use and the apps are what make it, similarly to the Iphone. The screen's sensitivitiy is second to none. I haven't experienced any slow down even when I have multiple apps open. The 9.2 inch screen is very clear and very bright. I purchased a matt screen protector that helped 90% in reducing the reflections off the screen.

The only downside is the camera on the Ipad 2 is not very good. Its very grainy and the pictures do give you a sense of 'oh if only'.

But apart from that, a lovely gadget that I use more than I use my laptop.

Summary: An excellent product that is recommended whole heartedly.

More reviews in the field of Tablet PC / eBook Reader

Source: http://www.dooyoo.co.uk/handheld-pda/apple-ipad-2-wi-fi-plus-3g-mc916/1667005/

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Warren Leads in Massachusetts (Taegan Goddard's Political Wire)

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

Source: http://news.feedzilla.com/en_us/stories/politics/top-stories/252119914?client_source=feed&format=rss

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Ariad lung cancer drug shrinks tumors in small trial

(Reuters) - A small early-stage trial of Ariad Pharmaceuticals Inc's experimental pill AP26113 showed it shrank tumors in eight out of 11 lung cancer patients with a genetic mutation in a gene known as ALK.

The drug, called '113 for short, is being tested in patients with non-small cell lung cancer who test positive for the abnormal ALK gene, as well as those with a specific mutation in a gene known as EGFR.

Thirty-four patients have been enrolled in the Phase 1/2 trial, which is designed to determine the ideal dosage for later-stage trials.

Initial findings show that of 11 ALK-positive patients evaluated at five dose levels, eight had partial tumor shrinkage.

Two patients within that group had not been previously treated with Xalkori, the Pfizer Inc drug that also targets the ALK mutation and researchers said both of them experienced tumor shrinkage.

The study also evaluated six EGFR patients who had stopped responding to Tarceva, the lung cancer drug sold by Roche Holding AG. One of them achieved partial tumor shrinkage, two were stable and three had their cancer worsen, according to Ariad.

The trial update is scheduled for presentation on Saturday at a cancer conference in Vienna.

Ariad said 19 patients remain in the study, with 16 of them at the highest dose.

Side effects of '113 included fatigue, nausea and diarrhea, but one high-dose patient had elevated live enzymes, a signal of liver toxicity.

Ariad Chief Executive Harvey Berger said the company plans to launch the Phase 2 portion of the trial before the end of this year.

"Our ultimate goal in development of '113 will be to apply it first to ALK, then EGFR in those patients who have become resistant or intolerant to available therapies," he said.

About 4 percent of patients with non-small cell lung cancer, the most common type of the disease, have the targeted ALK mutation, while EGFR mutations occur in around 15 percent of them.

(Reporting By Deena Beasley in Los Angeles. Editing by Andre Grenon)

Source: http://news.yahoo.com/ariad-lung-cancer-drug-shrinks-tumors-small-trial-092450032--finance.html

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?Oil marketing firms asked to hike dealer commissions on petrol?

New Delhi, Sept 29:?

The Petroleum Ministry has asked public sector oil marketing companies to revise dealer commissions for petrol immediately, according to the Federation of All India Petroleum Traders. . But, the increase in commissions will not result in a hike for consumers, the dealers? body said on Saturday.

?Commission for petrol needs to be revised from Rs 1.49 a litre to Rs 2.16 for every litre . Since petrol is a de-regulated product, OMCs can revise the commission. Oil Ministry has issued a letter to them in this regard on September 20,? Ajay Bansal, General Secretary of the Federation said.

?Crude oil prices have gone down and the dollar is also stable. We have told the companies that if they want to reduce retail price of petrol, they should first adjust the dealers? commission. This would prevent any rise in price for consumers,? Bansal said.

The dealers have also asked for revision of commission on diesel from Rs 0.91 a litre to Rs 1.32 .

In respect of revision of dealers? commission on diesel, the Ministry has asked oil marketing companies to submit a proposal within ten days, said Bansal.

He said operating costs of petrol pumps, such as for wages and electricity bills, have gone up drastically, which called for an increase in their commission.

The Federation also said petrol pumps will not be shut on October 1 and 2. ?This is false news. Pumps will operate normally and dealers shall make purchases on October 1 according to their requirement keeping in view that October 2 is a public holiday,? said Bansal.

siddhartha.s@thehindu.co.in

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Source: http://www.thehindubusinessline.com/industry-and-economy/article3948960.ece

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Saturday, September 29, 2012

Google nixed in German Microsoft injunction

10 hrs.

A U.S. appeals court on Friday ruled that Google's Motorola Mobility unit cannot enforce a patent injunction that it obtained against Microsoft in Germany, diminishing Google's leverage in the ongoing smartphone patent wars.

The injunction would have barred Microsoft from "offering, marketing, using or importing or possessing" in Germany some products including the Xbox 360 and certain Windows software.

The ruling against the German injunction came from the 9th U.S. Circuit Court of Appeals in San Francisco.

Microsoft deputy general counsel David Howard said the company was pleased with the ruling. A representative for Google's Motorola unit declined to comment.

Brian Love, a professor at Santa Clara Law school in Silicon Valley, said the decision helps Microsoft counteract a favorable dynamic for Google in Germany.

"To some extent Germany has a reputation as place you can go and get an injunction relatively easy," Love said.

The current Xbox 360 is the market-leading console in the United States. Microsoft is expected to unveil its next generation Xbox video game console in 2013.

Microsoft has said that Motorola's patents are standard, essential parts of its software and that Motorola is asking far too much in royalties for their use. Google closed on its $12.5 billion Motorola Mobility acquisition this year.

Microsoft sued Motorola in the United States in 2010, and Motorola then filed a lawsuit in Germany. Earlier this year, Microsoft announced plans to move its European distribution center to the Netherlands from Germany ahead of a possible injunction.

After a court in Mannheim issued the sales ban, U.S. District Judge James Robart in Seattle granted Microsoft's request to put the German order on hold earlier this year. According to Robart, the ruling would remain in effect until he could determine whether Motorola could appropriately seek a sales ban based on its standard essential patents.

In its ruling on Friday, a three-judge 9th Circuit unanimously upheld Robart's order. Since Microsoft had already brought a lawsuit against Motorola for breach of contract in the United States, U.S. courts have the power to put the German injunction on hold, the 9th Circuit said.

"At bottom, this case is a private dispute under Washington state contract law between two U.S. corporations," the court ruled.

European regulators are investigating claims that Motorola over-charged Microsoft and Apple Inc for use of its patents in their products and thereby breached antitrust rules.

The case in the 9th Circuit is Microsoft Corporation vs. Motorola Inc, Motorola Mobility Inc and General Instrument Corporation, 12-35352.

(Additional reporting by Malathi Nayak in San Francisco and Bill Rigby in Seattle; Editing by Gary Hill and Richard Chang)?

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

Source: http://www.nbcnews.com/technology/technolog/google-cant-enforce-german-microsoft-injunction-ruling-6176035

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Benjamin Graham: What This Womanizer Can Teach ... - Investment U

by Alexander Green, Investment U Chief Investment Strategist
Friday, September 28, 2012: Issue #1871

The ?Father of Security Analysis? wasn?t much of a husband or father. He divorced his first wife in 1937, when divorce was still socially unacceptable, leaving his four children stigmatized.

The next year, he married a young actress. But his interest soon waned and he soon dumped her to marry his secretary. In between, he had so many lovers and affairs that in a new biography The Einstein of Money, the author calls him a ?swinger.? When he died in Provence at 87, it was in the arms of his long-time French mistress, whom he?d courted away from his son!

Needless to say, Benjamin Graham was not a family values guy. But he understood a lot about stock values. In fact, he pioneered the field of security analysis and made a fortune for himself in the stock market. Understanding even a little bit about his methods can make you a much better investor.

Graham arrived on Wall Street in 1914, a 20-year-old classicist fresh out of Columbia University. He began to make a name for himself by finding bargain stocks selling for far less than their intrinsic value. He soon put his money to work buying cheap stocks with a high margin of safety. In 1948, for instance, Graham invested a quarter of his firm?s capital in GEICO. It climbed 1,635% over the next eight years.

In 100 Minds That Made the Market, Ken Fisher writes that Graham ?hated technical tools like charts and graphs and equally distrusted growth investors? blind faith in a company?s management, upcoming products and present reputation ? those just couldn?t be measured in cold, hard numbers. Instead, Graham relied on earnings and dividends and felt book value ? the physical assets of a company ? was the basis for making sound investment decisions.?

Graham insisted you should buy a single share of a stock the same way you would buy an entire company. Understand the business. Analyze the balance sheet. Do the math. Forget about the state of the economy or the hot trend of the moment. The only thing that really matters is the health and assets of the business you?re buying, not who?s in the White House or what?s happening at the Fed.

Graham laid out his core principles in Security Analysis, now widely recognized as the bible of value investing and a textbook still used in many college investment courses more than 70 years after it was published. He later distilled this work into The Intelligent Investor, a book for the lay investor that still ranks in Amazon?s top 300 ? 62 years after it was first published. In fact, both books sell more copies each year now than when they were originally published, the true sign of an investment classic and a claim few books can make in any genre.

Today Graham is perhaps best known for his famous prot?g?, Warren Buffett. Buffett took Graham?s principles and used them to become the twentieth century?s best-known investor and one of the world?s wealthiest men.

Buffett still credits Graham for much of his success. ?No one ever became poor by reading Graham,? says Buffett.

I can?t imagine a serious stock market investor who wouldn?t profit from studying Graham?s disciplined, common-sense approach. He is rightly viewed as the father of fundamental security analysis. And ? given his social life ? perhaps the father of much else, as well.

Good Investing,

Alex

Benjamin Graham: What This Womanizer Can Teach You About Investing, 4.0 out of 5 based on 1 rating

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Rating: 4.0/5 (1 vote cast)

Source: http://www.investmentu.com/2012/September/what-benjamin-graham-can-teach-you.html

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The Dark Knight Rises Blu-ray officially set for December 4th, limited edition Bat Cowl revealed

The Dark Knight Rises Bluray officially set for December 4th, limited edition Bat cowl revealed

After false starting a couple of weeks ago, the Blu-ray trailer for The Dark Knight Rises is back, and Entertainment Weekly has heard from Warner Bros. that December 4th is the official release date. Also on display from EW is this limited edition Bat Cowl packaging which will be available at launch. While there's not a full spec list, extras will include a Batmobile-focused documentary and more than a dozen featurettes about going behind the scenes of the movie with Christopher Nolan and his team. We expect to see mroe details soon, for now just check out the trailer embedded after the break.

Continue reading The Dark Knight Rises Blu-ray officially set for December 4th, limited edition Bat Cowl revealed

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The Dark Knight Rises Blu-ray officially set for December 4th, limited edition Bat Cowl revealed originally appeared on Engadget on Thu, 27 Sep 2012 23:42:00 EDT. Please see our terms for use of feeds.

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Source: http://www.engadget.com/2012/09/27/the-dark-knight-rises-blu-ray-officially-set-for-december-4th-l/

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There Are Steps That Need To Be Taken When Purchasing A - First

If you want to enter the commercial real estate market, you need to have some knowledge of the kind of commercial property investment you are looking for. If you don?t make investment decisions that are smart, you could lose a good bit of money. Read this article to learn how to make better decisions about real estate.

There are a variety of types of real estate brokers who deal in commercial properties. There are agents who only represent tenants and there are full-service brokers who work with both tenants and landlords. A broker who works only with tenants should have more experience and should represent a better choice for you.

Buy apartment complexes with large numbers of units. More units equals more money in your pocket. Many commercial real estate investors look at unit numbers first and will not even consider settling for a property with less than ten sources of income.

TIP! Make sure you know what kind of environment your property is located. You may be liable for cleanup of a property that has been environmentally damaged from prior use.

Line up a commercial lender before offering to buy a property. Consult with friends and fellow investors to manifest a short list that includes the optimum lenders of your community. Do your homework, and do business with the one that serves your needs prior to starting the wheels turning on a commercial property purchase. If you are willing to devote the time to covering all of your bases, you can improve your chances of qualifying for a loan.

Try using feng shui in your commercial properties or home office. This will create larger open spaces with less clutter and will give a more attractive flow for potential buyers.

Interest Rates

TIP! To find a trustworthy real estate firm, inquire about their methods on how they make a lot of their money. The ideal response is that they are able to balance your best interest with their own.

Interest rates fluctuating is a major threat to commercial property investors. Economic turbulence can both boost and fell interest rates with a disconcerting lack of warning, leaving investors prone to possibly serious hikes in their interest rates. Consider economic conditions and your long-term prospects for profit when buying commercial real estate.

As you set into motion a commercial real estate deal, you should remember that there is a great deal of power in your relationships with potential investors and lenders. Some properties are sold from one person to the other without being listed. Having a good network is the best way to find the best deals.

Before choosing a real estate broker, you need to know how they negotiate. Ask them what specific training, expertise and professional experience they might have. You also want to check into the methods they use and make sure they are ethical when doing business. Ask for examples of negotiations they have participated in previously. Tell them you want to know about both positive and negative experiences.

TIP! Ensure you have the best real estate agent, ask if they are successful and judge their response. Also be sure to ask their method of measuring results.

Ensure that the amount of money you want for your commercial property makes sense, given local market conditions. There are a number of variables that can affect the realistic value of your property.

Know that you need to charge the proper amount of rent so as to make money on your investment. Find out how much the rent will be before you look for tenants. In this way, you will be able to attain the targets and the benchmarks you have set for yourself based upon the performance of your investment.

Commercial Real Estate

TIP! Always make sure that utilities can be accessed from the commercial property you are looking into. You are going to need to sign up for utility services on your commercial property, along with the ones you have at your business.

These tips will give you ideas on how to successfully invest your money into commercial real estate. You need to put time and effort into your commercial real estate venture if you want to succeed. Not everyone will turn huge profits every time they buy a property, but by using the tips in this article your chances will be higher than your

Source: http://www.maynaseric.com/there-are-steps-that-need-to-be-taken-when-purchasing-a-commercial-property

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NHL, locked-out players resume bargaining

Matthew Schneider, left, special assistant to NHL Players Association executive director Donald Fehr, Winnipeg Jets' Ron Hainsey, center, and Steve Fehr, players union special counsel, arrive at NHL headquarters in New York, Friday, Sept. 28, 2012. With the clock ticking down to the start of the season, the NHL and its locked-out players are talking again. (AP Photo/ Louis Lanzano)

Matthew Schneider, left, special assistant to NHL Players Association executive director Donald Fehr, Winnipeg Jets' Ron Hainsey, center, and Steve Fehr, players union special counsel, arrive at NHL headquarters in New York, Friday, Sept. 28, 2012. With the clock ticking down to the start of the season, the NHL and its locked-out players are talking again. (AP Photo/ Louis Lanzano)

Winnipeg Jets' Ron Hainsey takes a break from a bargaining session at NHL headquarters in New York, Friday, Sept. 28, 2012. The NHL and the players' association agreed on issues related to player safety and drug testing Friday, but the core economic divide that is preventing an end to the league's latest lockout was not even on the agenda. (AP Photo/Louis Lanzano)

NHL players association general counsel Don Zavelo arrives at NHL headquarters in New York, Friday, Sept. 28, 2012. With the clock ticking down to the start of the season, the NHL and its locked-out players are talking again. (AP Photo/ Louis Lanzano)

Winnipeg Jets' Ron Hainsey, left, and Steve Fehr, players union special counsel, arrive at NHL headquarters in New York, Friday, Sept. 28, 2012. With the clock ticking down to the start of the season, the NHL and its locked-out players are talking again. (AP Photo/ Louis Lanzano)

New Jersey Devils goalie Johan Hedberg, of Sweden, arrives at NHL headquarters in New York, Friday, Sept. 28, 2012. With the clock ticking down to the start of the season, the NHL and its locked-out players are talking again. (AP Photo/ Louis Lanzano)

(AP) ? The NHL and the players' association seemingly had a good day on Friday as they returned to the negotiating table.

It just wasn't good enough to bring the sides all that much closer to the end of the lockout that threatens the start of the hockey regular season.

The league and the union got back to bargaining for the first time since players were locked out on Sept. 16, and the sides discussed secondary issues without broaching the big economic divide that really is the essence of the dispute.

"It was a good day," NHL Deputy Commissioner Bill Daly said Friday night after the second negotiating session of the day. "I wish we had spent today on what we consider to be the more meaningful issues, but it is what it is."

The sides were together for a total of about five hours ? including a private meeting between Commissioner Gary Bettman and union head Donald Fehr.

A handful of players also took part in the talks.

The groups agreed on issues related to player safety and drug testing, areas that weren't expected to be contentious. They will get back together on Saturday morning, and plan to meet on Sunday, too, but the topics of discussion still don't seem to include the big dollar issues.

"I don't know if I would say significant, but we did seem to make some progress on a number of things. Hopefully we will continue," NHL Players' Association special counsel Steve Fehr said. "There is no plan right now to discuss core economic issues."

And that is where the frustration lies. The NHL is waiting for the players' association to make a counterproposal to one the league made to the union in the previous bargaining session more than two weeks ago.

"We can't make them talk about what they don't want to talk about," Daly said. "In fairness, we do have to cover these issues if we're going to reach an agreement. What we're doing today is important, it's just not the most important things we can be doing.

"We've made at least two consecutive moves in significant dollars in their direction, and they haven't moved a single dollar in our direction since Aug. 4."

Former player Mathieu Schneider, now an NHLPA special assistant to the executive director, said Friday morning that there were agreements on more rigorous drug testing, expanding it to parts of the year during which testing is not currently done.

Neither side sees the use of performance-enhancing drugs as a problem in the NHL.

"We're in agreement that it's not an issue in our sport," Schneider said. "I think it's in the players' best interest as well as the sport to close off any possible time during the year where players could use."

Other topics on tap for Friday and through the weekend are various health and safety issues, time players spend at training facilities, and other non-economic topics.

"We like to say that nothing is agreed to until everything is agreed to, but we've certainly made some headway," Schneider said. "A lot of it was done previous to this morning. We're taking notes of where we stand. I would say that we have a lot of mutual ground that we have found agreement on."

It is not impossible that monetary issues will come up for discussion in this round of talks, they just aren't scheduled. Neither side has indicated it is prepared to make a new offer now regarding how to split up the more than $3 billion annual pot of hockey-related revenue.

"In general, when you're dealing with collective bargaining, when you start to have agreements on smaller issues, it can lead to bigger issues," Schneider said, "but it's still too early to say."

These are the first talks since the lockout was put in place on Sept. 16 and they came a day after the league canceled the remaining preseason games. The regular season is to start Oct. 11.

If a deal isn't reached soon, regular-season games will be in danger of being lost. The NHL canceled the entire 2004-05 season because of a lockout that eventually led to the collective bargaining agreement that expired this month.

"The calendar continues to tick along," Daly said. "My guess is as time goes on, regular-season games are at risk. I don't think it can be any more urgent than where we are now. We've had that level of urgency for a long time. In some respects you can meet all you want, but if there is no compromise or no movement or no new proposals I am not sure at the end of the day what you're meeting over.

"There is a very high degree of urgency certainly on our side. I can't speak for their side, but I am sure they would tell you there is a degree of urgency there, too."

Steve Fehr contended that the players' association is willing to discuss any issues at any time to try to make a deal soon.

"We can discuss the core issues whenever they want to do it," he said. "Bargaining is not ping pong. There are no rules on who has to serve.

"I don't want to use the adjective optimistic, but it was a productive discussion. We had a good session and hopefully it will continue and build momentum."

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/347875155d53465d95cec892aeb06419/Article_2012-09-28-NHL%20Labor/id-d3834f37079f4330b367879574435b0a

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Exagon Motors Furtive-eGT electric supercar eyes-on

There are few things we love more than custom-crafted carbon fiber cars with meaty all-electric powertrains and torque for miles and miles and miles. So, when we wandered by the display for the Furtive-eGT from Exagon Motors and, we couldn't help but stop and throw together a gallery -- despite that company trotting out mildly modified versions of this concept for a few years now. The all-electric supercar weighs just over 3,600 pounds and has dual electric motors, one for each rear wheel, pumping out a combined 402 horsepower. That's good for a 0 - 60 dash in 3.5 seconds and, with its carbon ceramic brakes, it can pull 1.2G while doing a hard stop. Exagon says it could manage up to 225 miles on a charge. When will it ever go into production, and how much will it cost if it does? The company still isn't saying, but if you have to ask...

Steve Dent contributed to this report.

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Exagon Motors Furtive-eGT electric supercar eyes-on originally appeared on Engadget on Thu, 27 Sep 2012 20:58:00 EDT. Please see our terms for use of feeds.

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Source: http://www.engadget.com/2012/09/27/exagon-motors-furtive-egt-electric-supercar-eyes-on/

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Ad Listed On: Sep 27, 2012

Ad Views: 13

Location: Erie Erie MP Erie Erie MP

Tags: fitness equipment classifieds, health & fitness advertisement

Classifieds category: Health & Fitness

Source: http://www.adjingo.com/fitness-equipment/free-ads-120879.html

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Changes in gut flora linked to Type 2 diabetes | MNN - Mother ...


Could the bacteria in your gut determine whether or not you develop Type 2 diabetes? ?It's possible, at least according to new research published this week in the online edition of Nature.

?

For the study, Chinese researchers looked at the natural balance of "gut flora"- or bacteria present in the intestines to determine if there were differences in the bacteria present in patients with diabetes and without. ?They analyzed almost 350 patients and identified more than 60,000 markers, or indicators, associated with type 2 diabetes. Specifically, they found that participants with type 2 diabetes had too much of what they considered "harmful" bacteria, and not enough "helpful" microbes.

?

So does this gut flora combination cause type 2 diabetes or is it in turn caused by diabetes? ?That's the million dollar question and one that researchers hope to figure out soon so that they can better understand the role that these microbes play in the development and/or treatment of type 2 diabetes.

?

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Related stories on MNN:

Source: http://www.mnn.com/health/fitness-well-being/blogs/changes-in-gut-flora-linked-to-type-2-diabetes

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Friday, September 28, 2012

How tax changes affect your retirement planning | Cover Publications

John Kinsley

In an article published in a financial magazine shortly after the delivery of the annual budget speech, a respected local economist made the comment ?? essentially, this was not a good budget for the saver?.?

But is this really the case?

Not necessarily. In fact, long-term savings via a government-approved retirement vehicle have become even more attractive than before. Investors should be informed of the long-term impact of tax changes on different investment vehicles to ensure they have adequate savings.??

The most important tax changes for future retirees relate to capital gains and dividends

The two tax changes that are particularly relevant are:

1. An increase in Capital Gains Tax for the individual from 10% to 13,3%.

2. The introduction of a Dividend Withholding Tax of 15% on all dividends paid to South African individuals.

Investing in a government-approved retirement fund versus a balanced unit trust has different pros and cons

To see really how these changes affect your retirement planning, we will use a case study of a 35-year old individual who wishes to retire at the age of 60 and can afford to set aside R2 500 each month towards retirement. Also, whereas most analysis focus only on the build-up phase (before retirement), we will also take into account the actual retirement phase.

The table summarises the differences between investing in a retirement annuity versus investing in a balanced unit trust as an individual:

To illustrate the impact of the tax changes on the returns of these two savings options, we?ll assume the targeted return for both options is inflation plus 5% after investment management fees of 1% per year, and that inflation is 6%.The tax changes have different implications for the returns on different savings mechanisms

The two tax changes mean the following in our practical example:

1. For the individual investor (option 2), dividends will be taxed at 15%, while in a RA (option 1) there is no tax on dividends.

2. For the individual investor (option 2), any interest above the exemption level will be taxed as income ? we assume an average rate of 35% ? while in an RA there is no tax on interest.

This difference in tax means that the effective return for the RA (option 1) is 11% per year, while for option 2, it drops to 10,5% per year.

A seemingly small impact on returns can make a significant difference in the long run

Even though 0,5% might not seem like a big difference, the compounding of this differential over many years will have a big impact on how much savings you, and your dependants, have at and during retirement.

Focusing on the first two phases of the retirement cycle, the figures in the tables and the chart show exactly to what extent the different tax treatments of options 1 and 2 impact returns over the long term.

In the third phase where the surviving spouse continues to draw the same income based on the same assumptions for another ten years, the difference between the final portfolio values of the two options becomes even more marked.

Investors should decide what their priorities are when it comes to retirement savings and make an informed decision. Investors have different circumstances and views, and some may regard having more control over their money, as in the case of investing in a balanced unit trust, as essential. The final decision will always remain a personal one, but the numbers certainly do tell a story that is worth considering.

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Building trust does not happen overnight nor does it involve unnecessary acts? of human altruism. Basically, building trust between you and your significant? other only involves communication and freedom. By providing such things, you and? your lover will definitely be in love for a very long time.

The First Step in Trusting Your Significant Other The first step in? building trust in a relationship is through giving freedom. Remember that your? significant other also needs some time to work or to be with his/her friends so? you need to trust him/her whenever he/she goes out every day. If you become? envious and untrusting then your significant other might also become paranoid? and he might leave you. So, remember to learn to trust and to give freedom to? your significant other.

Understand Each Other?s Needs Both you and your significant other? have certain needs which only friends and work will provide. We need friends in? order to have companionship and we need to work in order to earn money. Hence,? we often spend more time at work rather than at home. It is important for? significant others to trust each other when they?re away from each other at work? or out with friends. Sometimes, you go home late at night and your significant? other might be upset about your late schedule. Such things happen all the time? but if couples learn to trust each other and know that they cannot be together? all the time, they will be able to build trust.

Communication is Needed Communication is the key in a relationship.? If the couple knows when to communicate and how to thresh out the problems? inside the relationship they will be able to build trust. Talking about problems? can actually lead to stronger bonds. If one has to go out and party with? friends, a simple phone call or even a text message to the partner will suffice.? Remember, in order for any type of relationship to last it is important to keep? communication lines open.

Listening to Friends and Conscience You may fear that your? significant other is seeing someone else. Such things happen all the time? especially because of romantic movies and books. Some of your friends might even? try to persuade you that your significant other is cheating on you and you need? to break-up right away. In reality, believing such rumors might not be best for? your relationship. You need to understand that your friends are not perfect and? they might advise you to do things that are not in your best interest. They? might be saying things not based on facts but because of their past experiences? or preconceived notions. So, remember if you hear about such things, confront? your significant other and communicate any concerns you have with him/her.

By Timothy I Ng

Article Source: http://EzineArticles.com/7302200

Source: http://www.mytextspirationals.com/1110/good-ways-to-build-trust-in-a-relationship/

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Knee replacements soar among US older folks

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Source: http://news.yahoo.com/knee-replacements-soar-among-us-older-folks-145438921.html

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Intentionally Defective Grantor Trust (IDGT) - Florida Estate Planning ...

So what are one?s options when one has the requisite intention without the ability to write a check or transfer portfolio assets to a trust?? For many reasons, I?m a fan of gifting one?s personal residence to an intentionally defective grantor trust (IDGT).

When it comes to transferring real estate, you have many options. However, one you ought to investigate is the Intentionally Defective Grantor Trust (IDGT).

The ins and outs of the venerable IDGT was explored recently in a Forbes article titled ?Reduce Estate Taxes Without Reducing Your Liquidity.? It?s better not to wade too deeply into what makes an IDGT ?intentionally defective,? except to say it creates a unique tax situation. Moving the real estate (perhaps your personal residence) into the IDGT will count as a gift in the year you make the transfer, even though you?ll still be living in the house. Effectively, you are setting up your own trust as a landlord, and yourself as tenant, complete with rent payments into your own trust. Properly done, in the process you will enjoy a great number of tax advantages.

Employing an IDGT to transfer the family home may be a perfect technique to maximize your wealth transfers, particularly in a soft real estate market with an uncertain estate and gift tax future.

Could an IDGT be a clever estate planning move for you? Seek professional counsel to find out more.

Reference: Forbes (September 4, 2012) ?Reduce Estate Taxes Without Reducing Your Liquidity?

Source: http://blog.kaneandkoltun.com/florida_estate_planning/2012/09/intentionally-defective-grantor-trust-idgt.html

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Drink the Brown ? Part 2 - Fortified Wines Malvasia Portugal ...

Madeira, a fortified wine produced on the tiny Atlantic island of the same name, ages in an equally odd fashion as sherry (see the previous post). The best madeiras end up ageing for years, usually decades, in the attics of lodges in Funchal, cooked by the warm Madeira sun. This method?is called canteiro, as opposed to the less-time consuming estufagem process which involves artificially heating the wine.

Exposing wine to high heat and wide temperature swings for decades at a time is exactly the opposite of how I was taught to?treat fine wine, but it seems to work quite well for madeira. In fact, after suffering through summer after summer in a semi-tropical attic, Madeira becomes quite resilient. After all, what else can you do to the stuff? It can last in the bottle for decades or even centuries.

You?ll see standard madeira blends classified by flavor profile (dry, medium sweet, etc.), but if you?re going to buy some madeira, spend a bit more and go for one with a more specific classification, such as Sercial, Verdelho, Bual and Malmsey, which indicate the predominant grape variety as well as the level of sweetness. Sercial is the driest, and Malmsey the sweetest (you can?read more information about these?styles here and here.) These categories are then further subdivided by age.

At Stella!?in New Orleans, I had a Rare Wine Company ?New York? Malmsey?Special Reserve, produced by Vinhos?Barbeito. ?Malmsey? on a madeira label indicates that it?s made from Malvasia grapes, and the words ?Special Reserve? guarantee that the youngest wine in the blend is at least 10 years old. Although this is among the sweetest styles of madeira, I didn?t have it with dessert. The creative sommelier, Marc J. Doiron,?paired it with some crispy veal sweetbreads with andouille sausage, turnips and egg yolk.

Good heavens, what a marvelous pairing! The madeira smelled rich and woodsy, with some wheat toast in there as well. It tasted predictably sweet and caramelly, but amazing bright acids kicked in on the finish, ensuring that it would be food friendly. It complemented the delicate sweetbreads but stood up to the andouille and turnips as well. Quite the balancing act! I don?t often write ?Wow!? in my notebook, but write it I did.

I don?t currently have any madeira at home, but you can bet it will be on my Christmas list. I could imagine it pairing well with some roast pork with sweet potatoes, or?perhaps turkey with stuffing. Indeed, madeira was quite popular in colonial America, making it a thoroughly appropriate choice for Thanksgiving. Get a bottle now, give it a try, and if you can manage to avoid drinking the whole thing, you can serve the rest to the more adventurous palates at your Thanksgiving table, assuming you have a few. If you don?t, then I say forget hosting dinner and head to Stella! instead. It?s not inexpensive, but my goodness, the food and wine is sheer delight.

Fortified Wines, Malvasia, Portugal, Restaurant Reviews Madeira, Malmsey, New Orleans, Rare Wine Company, Stella!, Thanksgiving Wine, Vinhos Barbeito

Source: http://oddbacchus.com/2012/09/drink-the-brown-part-2/

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Thursday, September 27, 2012

Love Dangerously

Love Dangerously

A 1x1 role-play between Gypsyprincess and KiraArsenic

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