Real Estate Tampa FL News You Can Use! | Tampa Home ...

If the warmer temperatures, bright sunshine and greening of spring give you the urge to clean, you?re not alone.

If you want to make spring cleaning easier, especially outdoor spring cleaning, a little planning will save lots of elbow grease.

Make outdoor spring cleaning a breeze with these four simple tips to ensure that you?re ready for warm weather fun:

1. Get the grill ready ? Barbecues and picnics are as much a part of summer as baseball and trips to the beach. Your grill is central to the fun when you?re cooking and dining outdoors, so get it ready with a good cleaning. If you were diligent about cleaning the grill after every use last year, a good cleaning with a wire brush may be all the cooking grates need. If your grates have a lot of build-up and burnt-on food, remove and soak them in warm soapy water to loosen the debris. Use a wire brush and a little soapy water to clean out the inside surfaces of your grill, including the inside of the lid. Check the hose connection for the propane tank and repair or replace it if needed.

2. Clean outdoor surfaces without scrubbing ? Over time, wood and composite decks, concrete, railings, awnings and outdoor furniture can accumulate mold, moss, mildew and algae. An environmentally-sensitive mold and mildew cleaner like Wet & Forget works over time to gently remove outdoor stains on virtually any exterior surface without scrubbing. Perfect for mildew and mold removal, the non-caustic, non-acidic and bleach-free, biodegradable formula can be easily applied with a pump garden sprayer instead of a more labor-intense power washer. The multi-surface outdoor cleaner reduces water usage and is designed for use around landscaping plants.

3. Spruce up your view ? Clean windows not only brighten the interior of your home, they can make the exterior look fresher, too. Spring is a great time to remove screens (if you haven?t stored them for the winter) and give them a good cleaning. Hosing them off should do the trick, but if they?re very dirty try cleaning with a little soapy water and a soft scrub brush. Before you replace the screens, give the windows a good cleaning. Arm yourself with lots of paper towels and a good glass cleaner. One that contains vinegar will be effective and eco-friendly if you?re concerned about exposing your landscaping to harsh chemicals. Be sure to clean the outside of your windows first. It will make another popular spring cleaning chore ? washing the inside of windows ? a bit easier.

4. Taking care of your tools ? Yard work and gardening are realities of warm weather. All your landscaping maintenance chores will be easier if your tools are clean and in good repair. Unload the tool shed or garage of all the equipment you?ll use this summer ? from rakes and hoes to lawn mowers and trimmers. While you probably cleaned your garden tools before you stored them for winter, they?ll still have accumulated dust ? and possibly rust ? from sitting idle for so many months. Clean rust spots and dirt from metal tools, and use a coating of mineral oil to ensure the rust doesn?t return. Clean lawn mower and trimmer blades, and replace the line on string trimmers. Get blades sharpened if necessary, and run through all the maintenance tasks recommended in the manufacturer?s handbook for your power equipment.

Real Estate Tampa FL News You Can Use!

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Real Estate Tampa FL News is updated every week with a variety of information that you can use in and around your home. In the Real Estate Tampa FL News, we share home decorating and home improvement ideas, as well as information on senior living, green living and much more.

Make Real Estate Tampa FL News your exclusive source for information and ideas related to your home!

Plus, be sure to check out all of the wonderful local Tampa FL businesses here on our website! They stand ready to serve you today! ?Please don?t forget to mention to the merchant that you saw their information here in the Real Estate Tampa FL News.

Here are some other real estate related sites that we found for you to browse. Thanks for visiting Tampa Real Estate News.

Source: http://tampahomeinspectionnews.com/four-easy-steps-to-jump-start-outdoor-spring-cleaning/

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Remodeling Cabinets and Countertops - Home Improvement Ideas

Remodeling Cabinets and Countertops

There are lots of appealing updates to think about whenever redesigning your house. Whenever seeking to enhance a good out-of-date restroom or even kitchen area, the actual kitchen cabinetry as well as counter tops tend to be 2 on most well-liked do it yourself tasks. The actual cupboards as well as counter tops are frequently the actual focal point of the restroom or even kitchen area. Selecting this particular because your own redesigning task won?t revise your house however it increases worth as well as comfort and ease.

Unless of course you?ve got a stand-alone kitchen sink inside your restroom; the actual kitchen cabinetry performs an essential part within the space. Whilst the out dated bath tub could be intriguingly however you like, the put on cupboard along with rusted deals with or even the actual notorious infant red or even physician eco-friendly counter top isn?t the appearance the typical home owner wishes (a minimum of not really because the fifties). Good granitic is really a enduring expense that may be customized reduce for just about any style and may end up being cleaned out very easily.
Kitchen cabinetry is usually probably the most valued a part of the recently finished redesign. Bear in mind, how the cupboards tend to be among the very first points noticed through beginners, it is best to create a buy along with reputable suggestions through friends.

An excellent technique for those who look for kitchen area redesigning, or even restroom remodels, will be particular about the cupboards you decide on. The area obtainable, item make use of as well as encircling fittings have to be examined prior to achieving a choice simply because just about all 3 straight connect with the ultimate end result. Hurrying in to selecting the actual arranged to buy without having obvious knowledge of the advantages much more occasions compared to not really can lead to damaging emotions regarding your space.. You will find limitless levels of choices that may complement your own wishes without having defects, however you will find much more choices which can lead to catastrophe.

Luckily, the actual assets readily available for suggestions, pictures, as well as info associated with counter tops as well as cupboards could be examined completely with regard to absolutely no expenses in any way. The majority of estimations tend to be free of charge with regard to remodels, consequently when you?re talking to your own service provider, request queries and obtain solutions. They?re extremely proficient in these items due to the need for each one of these. Once again, every perform a substantial part within the selecting as well as selecting from the additional elements. Just about all colours, style, as well as framework should match the actual both counter tops as well as cupboards with regard to excellent outcomes.

Once the task is actually finished, it is best to go over your expense along with satisfaction. Becoming let down having a building task is extremely unsettling. It is best to make certain your hard earned money is actually allocated to the very best items readily available for optimum advantages.

Related posts:

1. Remodeling Bathroom Countertops and Cabinets
2. Decorate Your House With Custom Cabinets
3. How Cabinet Remodeling Can Improve Your Home
4. Hiring a Home Remodeling Contractor
5. Five Cost Effective Ways To Add Value To Your Home

Tags: Remodeling Cabinets and Countertops

Source: http://www.cpvirgendelosdesamparados.com/remodeling-cabinets-and-countertops.html

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Female Hair Loss Treatment Baltimore Options | New Health and ...

New Health And Fitness.Org - Health Information You Can Use

Loss of hair is condition that can affect men, women and children. Nonetheless, females who suffer from this condition experience genetically based type of baldness. Women experience temporary because of the hormonal changes and imbalance of thyroid level in their bodies. You should see a dermatologist if the condition persists. There are several female hair loss treatment Baltimore methods.

One can decide to go for a transplant surgery. Through this technique, the surgeon will take samples of your strands and determine whether you are eligible for the transplant. In order to qualify for this surgery, which will spark re-growth, one has to have dense hairs the rear of the head.

Another method is the use of non-surgical processes. For example, wigs can be of importance at this particular time. Wigs are available in various colors, thickness and styles. They are also made nowadays from real hairs or synthetic ones hence you ought to choose one that perfectly match your skin type.

Another method used to treat fallout is laser hair rejuvenation. The technique was established in Europe. It works behind the idea of curing thinning strands. Small level lasers are produced by a certain device are used cosmetically to make the hairs appear healthy, fuller and thicker.

In addition, use tropical therapies. These therapies include sprays that are sprayed on the scalp. You need to use the spray twice a day for 24 weeks. These sprays contain copper which is the main constituent in the growth.

Additionally, certain medications can also be used. These medicines are injected on the patient?s scalp that in turn thickens the hairs. The above are female hair loss treatment Baltimore that an individual suffering from the condition should use.

Learn more here: female hair loss treatment Baltimore

Source: http://newhealthandfitness.org/2012/02/23/female-hair-loss-treatment-baltimore-options/

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Foreigners Fuel Florida Real Estate Sales

Forbes magazine recently examined the growing interest by foreigners in Florida real estate investment. Foreign buyers are snapping up properties in South Florida, with many buying in cash. Unlike American buyers who see advantages in making property purchases using borrowed money, foreign buyers who use cash enjoy bigger savings up front and more flexibility in what properties to buy. Americans, on the other hand, see buying property with cash the exchange of one asset for another with no savings acquired through tax incentives like interest deductions. For more on this continue reading the following article from JDSupra.

Forbes Magazine published an article on Valentine's Day entitled "For Miami Real Estate, Better To Be A Foreigner," which explores the huge amount of foreign investor interest in Miami real estate development. It's not a discussion of whether or not international investors are investigating Miami and South Florida real estate: that's a given.

What Forbes' article focuses upon is the fact that one of the key advantages is the Latin American financial model for buying real estate with cash on the table, no long-term financing strategies like America is used to doing.

We've posted about buyers like those arriving in Florida from Brazil being ready to buy condos and other real estate in Miami and elsewhere with cash assets, not borrowed money. Forbes isn't the first national publication to take notice of Florida real estate's growing love affair with foreign investors; however, this article does explain the great advantage of the cash purchasing model.

For new properties, this means significant savings.

Many foreign buyers, particularly those from Brazil and elsewhere in Latin America, pay cash for their Miami real estate - such as an exclusive, ocean front Miami condo. In the "pay as you build" model that is growing in popularity here in South Florida, the foreign investor buys the real estate in a series of cash payments that cover the time span of initial agreement to buy through the construction phase to completion and the exchange of keys.

By doing so, the buyer saves a significant percentage on the price of the purchase when compared to the traditional financing model that U.S. real estate uses. And the seller gets cash on the barrel head.

The "pay as you build" model of real estate investment

Here in the United States, buying real estate with cash sounds strange. After all, there are all those tax incentives (interest deductions, capital gains considerations, etc.) to consider when you've got financing for your real estate purchase. Buy a condo with cash, you're just turning one asset into another form or asset: no big tax breaks there.

Add to that the fact that the banking industry is hurting in Florida and elsewhere, and loans for real estate purchases aren't what they used to be a few years back, and it's obvious that Miami and South Florida would have a very bleak outlook these days without the foreign investment interest.

After all, RealtyTrac has just reported that Florida default notices on home loans increased 36% comparing this year to last year. Florida banking has been damaged by the housing crisis to an unprecedented extent.

Miami has always been known as a global city, a welcoming metropolis to foreign visitors - especially those with Latin American ties. As the Forbes article points out, savvy real estate developers in the Miami area are marketing globally to bring in more and more of those foreign investors.

Not only is this a good thing for Miami and South Florida, it may be an economic lifesaver in today's economy.

Rosa Eckstein Schechter has been an active participant in Florida?s real estate community for over 15 years, first as a transactional attorney in large firms and most recently as general counsel for two national developers.

Source: http://www.nuwireinvestor.com/articles/foreigners-fuel-florida-real-estate-sales-58764.aspx

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Why is Dating Online Bad in Getting Relationships? | blogpopz.com

February 20th, 2012 by admin

A lot of people today are finding Dating Sites and trust that they can find true love and have a romantic relationship. It is true that a lot of people doing online dates got married and a happy life. But there are also problems that arise in finding relationships online. One is that online daters provide false information with good and positive qualities that their possible partner might like. Most people in the internet provide some specific information like age, educational attainment, religion, hobbies, and the like. They provide their expectations to each other which can really effect the development of love to each other. People do not fall in love with requirements or categories. They need to know more about their dates to know and feel if they are in love with them. Lastly, there is a big difference in the preference of other sexes. Some prefer more on the physical attractiveness and others prefer income.

Source: http://www.blogpopz.com/society/dating/why-is-dating-online-bad-in-getting-relationships

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Floor Sound Insulation: A Step Toward Quieter Floors ? ArticlePlusX ...

Unless you live alone you are probably well aware that the noise from one family member can easily be heard beyond the walls of the room they are in. Even worse is hearing loud stereo systems, the washing machine and dryer or children who don?t want to settle down for bed seeping through your flooring and into the rooms below. There is a solution to noise overflow within your home and one of the best preventative measures is floor sound insulation. Where To Install Floor Insulation It may seem obvious that floor insulation should be installed in the floor. It?s not rocket science, right? Well, there is a little more to it than that. Ideally, floor insulation should be installed during the construction phase of a home to be the most effective. Your choices in materials include regular fiberglass insulation that has been used on your exterior walls, ceilings and in the attic. You can also install corking or rubber based floor insulation at this point.

Floor sound insulation installed during construction allows the materials to be placed between the flooring layers. The joists between floors support and plywood base and then additional sub-flooring. By adding insulation here, you are able to add thicker materials that may offer better sound proofing.

You can still improve the noise level in an existing home. The best time to install it is if you are replacing the carpet or other flooring or need to repair the flooring in a specific room. Many home improvement projects will wield better results if some updating in what is not seen is done at the same time as the cosmetic updates. Floor sound insulation addition is one such example.

When old floor coverings have been removed, new floor insulation can be added directly to the top of the sub-flooring. This can be placed under, carpet, vinyl floors, wood, or ceramic tile. It doesn?t matter what type of flooring is going on top. What does matter is what type of insulation you use to sound proof.

The best, meaning the thinnest insulation with the most noise reduction capabilities is going to be some sort of self contained material. Fiberglass insulation is that loose pink or yellow fluff that has a paper backing. It is best for walls and ceilings. For floors a rubber or cork insulation will provide the most durable under lying material. It will also not raise floors significantly and will allow such materials a vinyl to go down smoothly. Why Go to the Trouble As a house ages, the creaks and noises seem to increase ? not too much differently than an aging body! By adding floor sound insulation as part of your next DIY project you are giving the floors more stability that will not only reduce the amount of noise seeping from the rooms above, but will help quiet squeaky floors that have had their screws come a little loose over the years or whose boards may have warped a bit.

Consider soundproofing an investment in your house. The value will be increased as you improve the quality of noise control.

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Source: http://www.articleplusx.com/2012/02/floor-sound-insulation-a-step-toward-quieter-floors/

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Award-winning Poet Harry E. Gilleland, Jr Announces Publication of ...

[unable to retrieve full-text content]The poetry in "Poetry Books Don't Sell!" addresses a wide variety of subjects. It is written in various formats or styles, including rhyming storoems (story-poems), acrostic poems, political poems, andfree-verse poems.

Source: http://newsguide.us/arts-entertainment/books/award-winning-poet-harry-e-gilleland-jr-announces-publication-of-his.html

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AU chairman to tackle continent's security hotspots (Reuters)

[unable to retrieve full-text content]Reuters - African Union Chairman Boni Yayi will visit some of the continent's conflict areas including Sudan and South Sudan, Mali and Libya for direct talks, an aide said on Saturday.

Source: http://us.rd.yahoo.com/dailynews/rss/africa/*http%3A//news.yahoo.com/s/nm/20120218/wl_nm/us_benin_africanunion_security

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Foreign exchange made simple by easy-forex | World Finance

The foreign exchange market has been one of the most exciting sectors to be a part of since the global economic crisis started in 2008, and also one of the most reliable. This wasn?t always the case however; the risks associated with currency trading have always been at the forefront of traders? minds and when large-scale events happen that affect a currency, such as the Japanese tsunami that engulfed the country last year, or the ongoing eurozone debt crisis, markets become both volatile and unpredictable.

What has been interesting about the past 12 months is the amount of traders who have embraced this volatility. No-one could have thought four years ago that the US dollar, which for so long dominated markets, would be a risky tender to trade in, or could have predicted the ongoing failure of the euro, the fate of which is currently the most influential factor on the forex market. Harnessing the ability to trade in such perilous times takes more than just skill; you must first find a trading platform that has a complete understanding of the industry and provides the products to achieve the best results when trading.

At easy-forex we have been pioneering currency trading since 2001, when we began to democratise the market and give easy access to the forex market to everyone. We were one of the first companies to bring retail forex trading to the mass market and we have been trading in 160 countries ever since. With one easy-forex account, traders can trade currencies and commodities using their web, desktop or mobile platforms, from any location. We believe our company is the best choice for those investors who are looking to explore trading with forex and we attract such people by making forex uncomplicated and honest. We pride ourselves on being convenient and trustworthy.

Some examples of the ways we do this are by providing guaranteed stop-loss on our easy-forex platform, which means you can never lose more than you are prepared to risk, and we also make available tight fixed spreads, so that you can be sure that the rate you set is the rate you get.

An industry in turbulence
Over the past 12 months we have seen our client base of active traders grow by approximately 50 percent and our turnover by around 35 percent. We attribute this to a variety of factors, including significant investment in our customer service and our trading platforms. We have also observed increased interest from traders looking to try forex for the first time.

Importantly, the forex industry is still relatively new and the growth rate of the market has yet to stabilise. As the majority of retail traders are sourced via online marketing channels and their access to the forex market involves immediate payments via online payment solutions or credit card deposits, we believe that the correlation of the industry with internet penetration and the growth of online payment methods means that the future is bright for forex. Another important factor to consider is that turnover is also correlated to volatility in the market. During the 2011 eurozone financial crisis we saw continuous and elevated levels of market volatility in the forex market. This had the effect of exciting the retail traders as many of them associated the link between volatility with the number of available trading opportunities, which, as a result, led to increased turnover.

Looking at 2011 volumes, we can clearly see the disproportionate level of turnover compared to previous, less volatile years. The market volatility was also covered extensively by many news sources globally, which effectively provided free marketing for the industry and attracted many new entrants keen to try forex trading. We also increased focus on customer service and education for our traders, which we executed by boosting our investment in, and restructuring of, our marketing and sales departments.

Calling traders to account
Success in forex is attributed to a number of factors, but primarily education. As a trader, you need to understand what can make the market move and how to balance your opportunities against your risk. Those traders who are new to forex, but savvy, spend the time getting to know the market and the tools at their disposal to help them become the best trader possible. We support our traders by offering one-to-one coaching, a dedicated ?Learn? section on our website with 40 educational videos-on-demand, as well as 24-hour support, five days a week, via telephone, live chat and email. Transparency is essential in forex trading and no matter which company you decide to trade forex with, you should always choose a broker that is regulated. Easy-forex is regulated in Europe by CySec, in addition to also being regulated in the US and Australia. In fact, we adhere to the highest levels of KYC and AML standards, irrespective of the trader?s location. We don?t charge commissions on deposits, there are no withdrawal fees and no maintenance margin requirements. We also do not engage in dealer intervention practices, all of which reassures our traders. We also offer unique, simple margin calculation that allows traders to leverage all available balance in their account and our traders benefit from our price improvement policy, which means we offer the best rate available in the markets.
tailored to your needs.

We have over 100 currency pairs available for trading, as well as valuable commodities such as gold, silver and oil. We offer four types of account: mini, gold, platinum and VIP. The mini account allows traders to open an account with us with as little as $25. We are flexible and are able to cater to the personal needs or requirements to suit every kind of trader. Our traders simply have to express their preference and we will tailor their account to suit their needs.

Those clients who open a gold, platinum or VIP account also get access to our dealing room services, including personal support and exclusive tools for traders who are looking to take their trading to the next level. We are wary of becoming complacent and have ambitious plans for 2012. We will continue to grow our business and to strengthen our brand position across our target regions with local footprints in Africa, the Far East and the Middle East. We also have some significant investments under way in terms of our infrastructure, as well as technology and platform improvements, which our traders should look out for.

Source: http://www.worldfinance.com/markets/fx-and-brokerage/foreign-exchange-made-simple-by-easy-forex/

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Police seize $6 trillion in fake U.S. bonds

POTENZA, Italy?? Italian police said on Friday they had seized about $6 trillion worth of fake U.S. Treasury bonds and other securities in Switzerland, and arrested eight Italians accused of international fraud and other financial crimes.

The operation, coordinated by prosecutors from the southern Italian city of Potenza, was carried out by Italian, Swiss and U.S. authorities after a year-long investigation, an Italian police source said.

It began as a investigation into mafia loan-sharking, but gradually expanded as prosecutors used telephone and computer intercepts to unearth evidence of illegal activity surrounding Treasury bonds.

The fake securities, worth more than a third of U.S. national debt, were seized in January from a Swiss trust company where they were held in three large trunks.

The U.S. Embassy in Rome thanked the Italian authorities and said the forgeries were "an attempt to defraud several Swiss banks." It said U.S. experts had helped to identify the bonds as fakes.

Potenza's prosecutor Giovanni Colangelo said an international network "in many countries" was behind the forgeries.

Italian daily Corriere della Sera said on its website that the criminal network was believed to be interested in acquiring plutonium, citing sources at the prosecutors' office.

Police videos showed images of the trunks, with "Federal Reserve System, Treaty of Versailles" stamped on the side in large, golden letters.

Bond certificates marked "Chicago, Illinois, Federal Reserve Bank" and other securities, some for one billion dollars, were also shown.

U.S. bond traders took a light-hearted view of the news.

"If there's that much less supply now, Treasuries should be rallying," joked Kevin Flanagan, fixed-income strategist at Morgan Stanley.

A trader at Citigroup said he had swapped jokes with colleagues about the seizure, which would not move markets.

"It's kind of like fake inflation I guess, if you take it to the max, but I don't think it means that much."

Prosecutors said the forgers had hoped to use the fake bonds as collateral to secure loans.

The eight men arrested are accused of counterfeiting bonds, credit card forgery, and loan-sharking in the Italian regions of Lombardy, Piedmont, Lazio and Basilicata, police said.

The Swiss Federal Prosecutor's office said Zurich state prosecutors had worked on the investigation at the request of the Italian prosecutor. The Swiss handed over their findings in July last year.

In 2009, Italian financial police seized $742 billion of fake U.S. bearer bonds in the of Chiasso, on the Swiss-Italian border.

Copyright 2012 Thomson Reuters. Click for restrictions.

Source: http://www.msnbc.msn.com/id/46428102/ns/business-world_business/

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Bankruptcy to clear debt or IVA? Credit Friendly Finance ? Blog ...

Avoiding Bankruptcy

If you avoid bankruptcy the advantage to you is:

• avoid the fear of losing your home
• your employer will need not know about your financial situation
• if you are in business you will be able to continue to trade
• you may still be able to obtain credit
• creditors will stop harassing you for unpaid bills
• you remain in control of your financial affairs
• interviews held with our advisors who are compassionate and prompt
• no inspection by outsiders of your personal records

How can this be achieved?
Each person's situation is of course different and the circumstances of each will determine what can be done and what may be appropriate:

• debt reduction and arbitration
• IVA
• negotiation and early settlement
• informal voluntary arrangements
• mortgage/ re-mortgage
• liaison with "aggressive" creditors
• review and repair credit references
• clear county court judgements

Tags: bankruptcy, debt advice, iva
Posted February 16, 2012 by Jeffrey Eow under Bankruptcy Assistance

Leave a Reply

Source: http://www.creditfriendlyfinance.com/bankruptcy-clear-debt-iva/

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Scientists teach computers to assess psych risk - EmpowHER.com

LONDON (Reuters) - Computer programs can be taught to select between brain scans of healthy young people and scans showing adolescents who are at higher risk of developing mental disorders such as anxiety and depression, scientists said Thursday.

In a study in the Public Library of Science (PLoS) ONE journal, British researchers said their findings suggest it may be possible to design programs to predict which at-risk adolescents will go on to have psychiatric problems, giving doctors more time to intervene before illnesses set in.

"Combining machine learning and neuroimaging, we have a technique which shows enormous potential to help us identify which adolescents are at true risk of developing anxiety and mood disorders, especially where there is limited clinical or genetic information," said Janaina Mourao-Miranda of University College London, who led the study.

Depression and other psychiatric disorders are a major cause of death, disability and economic burden worldwide. The World Health Organization predicts that by 2020, depression alone will be the second leading contributor to the global burden of disease across all ages.

Two studies published late last year found that up to 40 percent of Europeans suffer from mental and neurological illnesses each year, and the annual cost of brain disorders is almost 800 billion euros.

But experts think that being able to diagnose potential problems earlier, and intervene to help at-risk young people, could significantly reduce the damage caused by psychiatric disorders and help ward off serious or recurrent illness.

As yet there are no known biological measures, or biomarkers, that can predict future psychiatric disorders and even genetic screening can't accurately predict individual psychiatric risk, the researchers explained in their study.

A family history of bipolar disorder, for example, confers a 10 percent risk of future bipolar disorder, but also a 10 to 25 percent risk of conditions like attention deficit hyperactivity disorder (ADHD), major depression and anxiety disorders and it is impossible to say which, if any, is more likely.

Mourao-Miranda's team took 16 healthy adolescents who each had a parent with bipolar disorder, and 16 whose parents had no history of psychiatric illness, and scanned their brains with a functional magnetic resonance imaging (fMRI) scanner while they performed a specially designed emotional test.

The researchers then used a computer program capable of machine learning to predict the probability that an individual belonged to either the low-risk or at-risk group and found it was accurate in three out of four cases.

The researchers also found the computer program predicted significantly higher risk probabilities for young people who were found in follow-up to have developed psychiatric disorders than for those who remained healthy at follow-up.

Mary Phillips of Pittsburgh University in the United States, who also worked on the study, said since most mental disorders begin in adolescence or early adulthood, early detection and treatment could delay or even prevent future illness.

"Anxiety and mood disorders can have a devastating effect," she said in a statement. "If we are able to identify those individuals at greatest risk early-on, we can offer early and appropriate interventions to delay, or even prevent, onset of these terrible conditions."

Source: http://www.empowher.com/mental-health/content/scientists-teach-computers-assess-psych-risk

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Hey sports fans, there's a new tipoff time for the Lady Hornets' playoff game ag...

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Source: http://www.facebook.com/permalink.php?story_fbid=321204091260826&id=192612210786682

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Good Reads: China's next leader comes to Washington, as US enters a funk

Lots of talk of America's decline but few suggested solutions as Chinese vice president Xi Jinping visits Washington this week.

This week, as Chinese Vice President Xi Jinping pays a visit to Washington, there will doubtless be many calls for the Obama administration to talk tough with America?s largest trading partner. No more of that nonsense of undercutting US workers with your cheap labor, sir, and you had better start supporting some democratic reforms in the Middle East and back home or there?s going to be trouble. Big trouble.

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There will also be calls for the US to cultivate Mr. Xi, who is likely to replace President Hu Jintao when Mr. Hu is ready to step down. Show him the superiority of the free market system, unfettered by regulations and government planning. Slip some of that American Soft Power ? into his green tea in the Oval Office. Ronald Reagan did it with Mikhail Gorbachev, and now Mr. Gorbachev is endorsing Louis Vuitton.

But what should the Obama administration do? Some say America?s persuasive power have passed their peak. The American economy is beginning to recover, but the longer term trends of job-loss, debt, and geopolitical exhaustion mean that any US president ? Democrat or Republican ? will have limited tools of bluster to define the terms of any future US-China relationship. Americans expect exceptionalism ??remember Tom Brokaw?s Greatest Generation ? and they expect their leaders to take up where the Roosevelts, Eisenhowers, and Reagans left off.

But a slew of well-argued pieces this week show that these expectations are maybe misplaced.

In Foreign Policy, Daniel Blumenthal ? an expert on China at the American Enterprise Institute ? says that it?s na?ve to think that either tough talk or sweet talk are going to win over Xi and set China on a different path. The truth is that the China that Xi would eventually govern is much more pluralistic and complex than the China that Henry Kissinger and Richard Nixon negotiated with during the cold war, or as politically weak as the Soviet Union that Mr. Gorbachev so helpfully dismantled.

Source: http://rss.csmonitor.com/~r/csmonitor/globalnews/~3/mo2cZTsWvqk/Good-Reads-China-s-next-leader-comes-to-Washington-as-US-enters-a-funk

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Capitol Confidential ? Rich people for campaign finance reform

They are Republicans and Democrats. Professionals, professors, a rabbi and a priest. Old and young, executives and attorneys, ambassadors and five former members of Congress ? including Scott Murphy, a Glens Falls Democrat who represented parts of the Capital Region in 2009 and 2010.

More generally, they are the political donor class, and now they are fighting to reform New York?s porous system of campaign finance.

?Do you realize that people in New York State can give campaign contributions in New York State political races that are 12 times the legal limit for gifts to the president of the United States?? Said Fritz Schwarz, chief counsel at NYU?s Brennan Center for Justice. ?That?s a crazy system.?

The group is calling, generally, for lower contribution limits, the ?amplification? of small donations using public funds, the closure of several oft-derided loopholes around party housekeeping accounts and LLCs and tighter enforcement at the state board of elections. When asked, Schwarz and other speakers at a Wednesday press conference did not offer specifics.

Indeed, the idea was simply to show support for Gov. Andrew Cuomo, who in his State of the State presentation last month called for stricter campaign finance limits, but has yet to provide any specific proposal.

?We stand with the vast majority of New Yorkers who support Governor Cuomo?s call for campaign finance reform, and we will use our voices, our time and our networks to help make that plan a reality,? said Sean Eldridge, a gay rights advocate who now serves as president of Hudson River Ventures. His partner is Facebook co-founder Chris Hughes.

What does that mean? You?re going to launch a well-heeled lobbying campaign, exercising the clout you have to enact a Cuomonian priority? It smacks of the Committee to Save New York, a coalition of business and real estate magnates (and a private sector labor group) that poured huge amounts of money into ads in 2011 supporting the freshman governor?s fiscal priorities. It was conceived with the blessing, and quiet nudging, of the governor himself.

Under current law, CSNY didn?t have to reveal its members. It just created a 501(c)-4, registered as a lobbying entity, poured in the money and hired a shop of smart political consultants to do its work.

Sure enough, New York Leadership for Accountable Government (NYLEAD) filed with the Joint Commission on Public Ethics on Friday as a lobbying organization.

Of course, the irony of using that same playbook for a campaign finance reform effort would be so delicious I don?t think Casey and I could be snarky enough on the blog to quite capture it. We?ll have to start doing push-ups or something to get ready. In the mean time, the organizers insist the campaign finance reform effort isn?t that.

?At this point, we have no news about specific contributions to a campaign or specific resource investments,? said Eldridge. ?I?m sure that the people who are part of New York LEAD, who care a lot about this issue, will be involved in the campaign in New York in many ways, and if you look at the list there will be some who have helped fund and support campaign finance initiatives in the past.?

Schwarz said the group would disclose the contributions of any individual members to a lobbying campaign ? which, he stressed, was NOT the idea.

?This is an idea campaign,? he said. ?This group has come together to stand behind ? other people are going to be working on the politics of it, in the sense that you?re talking about, maybe some individuals will. I don?t believe New York LEAD is going to become a fundraising or a fund-spending group. It?s an idea-generating group to demonstrate you can have more competition, a better system, one where there?s less corruption and voters are involved instead of money being involved.?

So far, the Brennan Center is footing the bills for a new website and hire SKDKnickerbocker, whose most recent hit was the legalization of same-sex marriage, according to that firm?s Morgan Hook.

Eldridge said the effort was ?inspired by Governor Cuomo?s vision for New York? but is ?an independent effort.? The governor did get a heads-up call, I was told after the press conference, but Eldridge says he wasn?t aware of Cuomo pushing for it. Schwarz said the push had been planned prior to the State of the State presentation.

It?s unclear what the next steps are in the idea campaign. Below is a list of its members, which (notably) include David Rockefeller, former attorney general candidate Sean Coffey, Charles O?Bryne (a top aide to Gov. David Paterson who resigned when it was revealed he didn?t pay his taxes, then tried to excuse it by saying he had a mental illness known as ?late filers syndrome?), Ed Koch and Jerome Kohlberg of KKR.

Nylead Members

Source: http://blog.timesunion.com/capitol/archives/115296/rich-people-for-campaign-finance-reform/

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Exclusive: Dad has hands full on '19 Kids' premiere

TLC

The youngest Duggars keep dad busy on the season permiere of "19 Kids and Counting."

By Ree Hines

In the Duggar family, the job of taking care of the youngest members is no small task. After all, as the title of their TLC reality show states, there are "19 Kids and Counting," and someone has to keep a close eye on the little ones. Usually that job goes to mom Michelle and her older daughters, but not always.

In an exclusive clip from the season premiere of "19 Kids and Counting" that TLC provided to TODAY.com, Michelle and the big girls are out of town, so it's Jim Bob's turn to take care of his?kids.

"Dad has fun with them," Michelle explained. "You know, mommas take care of them and daddies have fun with them, and so they're usually doing fun stuff when dad's there."

And while there wasn't any shortage of good times while dad took over, there were more responsibilities for Jim Bob. After an exhausting time playing, diaper wrangling and gum-policing, the father of the big brood admitted he missed the rest of the family.

"It sure was fun spending time with my little girls alone, but it really makes me grateful for when my older ones are there, 'cause they're a lot of help," he said.

Catch more from the ninth season premiere when "19 Kids and Counting" airs Tuesday night at 9 p.m. ET on TLC. To see more from the Duggars themselves, tune in to TODAY Tuesday morning on NBC.

Will you watch the season premiere of "19 Kids and Counting"? Tell us on our Facebook page.

Related content:

Also in The Clicker:

Source: http://theclicker.today.msnbc.msn.com/_news/2012/02/13/10398511-exclusive-duggar-dad-has-hands-full-in-19-kids-and-counting-sneak-peek

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Strengthening Your Site Rating | 1st about psychology.

To boost the ranking of your web site on Google along with other significant search engines, the most effective route to acquire is article marketing. Article marketing entails writing excellent quality articles and then submitting them to article online directory. There are numerous prosperous internet marketers who use this technique to advertise their website or business and they were in a position to accomplish excellent results.? You?d would like articles directory that has complete review system.

In case just about every article submitted to the directory is reviewed for grammar, spelling, uniqueness of the content material and punctuation, then the overall quality of the content on the article directory will be ranked high by Google. The article directories which accept the articles routinely tend to have thousands of of these articles with low quality content or duplicate content material.?

If you would like to get the most from article submission and acquire practical article results, you?ve got to make sure you submit your articles to relevant category to draw in your targeted readers. In the event you submit your articles to the wrong category, probabilities are the editor won?t approve it. That you are able to submit the article to a single category even if you will find various related categories.It is important that the directory accepts only fresh, new and exceptional content material. The quality of the article is really crucial.

No one would love to read horribly written articles. Search engines loves nicely written articles as well. And so unique well written articles can really help bring traffic to your webpage you will find some techniques regarding how you could get your articles licensed by the article directory. First of all, the topic you ought to choose for the article should revolve around exactly the same subject the website you promote covers. Therefore, you?ll be able to increase the click through rate of your articles and can also enhance the authority of the writer who is reputable in his field of knowledge.

Related Posts

Source: http://1aboutpsychology.com/2012/writing-and-speaking/general/strengthening-your-site-rating/

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Skin Cancer ? Blog Archive ? Does cancer moles only mean skin ...

This entry was posted on Sunday, February 12th, 2012 at 9:25 pm and is filed under Skin Cancer. You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response, or trackback from your own site.

There are currently 3,095 posts and 0 comments, contained within 4 categories.

Source: http://hadrialslullaby.com/2012/02/12/does-cancer-moles-only-mean-skin-cancer/

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Foundation Repair Costs: Is it Worth it to Fix My Southern California ...

[unable to retrieve full-text content]What Caused My Foundation Problem? Foundation problems plague new and old California homes alike, although many people associate older homes with foundation problems and high foundation repair costs. Consumer Reports found that ...

Source: http://9999articles.com/foundation-repair-costs-is-it-worth-it-to-fix-my-southern-california-foundation.html

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Umbrella Coverage Insurance coverage More Details | Gumshoe ...

If you find yourself experiencing individuals unexpected occurrences problems, you would normally trust your obtained insurance to provide for the expenses legitimate debt settlements. Nevertheless, there is certainly a serious terrific chances that a insurance protect neglect to performance. you will need to deal with everything exclusively by yourself. Theres an option for like occasions. You should buy large outdoor umbrella coverage insurance. large outdoor umbrella insurance is one, nutritional supplements the protection, that is offered by your regular insurance. It is actually, simply speaking, another legitimate Rhode Island Insurance to safeguard settlement of your reimbursement promises as well as repayment of your liabilities. large outdoor umbrella coverage cope with promises, that happen to be dismissed insurance policies. As a result of like strengths, wonderful . very important for virtually any typical man or women to purchase the ideal large outdoor umbrella coverage insurance. It is actually, in many ways, more potent compared to excess insurance policies, firms usually present. Excessive insurance policies deliver the results as soon as the insurance insurance policies are already weary with their positive aspects. large outdoor umbrella coverage provides ample coverage, even during arsenic intoxication insurance policies. If they are too little to present settlements legitimate health care fees, large outdoor umbrella compensate for lack. large outdoor umbrella coverage therefore highly necessary. There are times, your main obtained insurance policies would not be have the ability set up safe and sound entirely. In particular, car or truck insurance may be unable to safe and sound for that fees maintenance repair of the passenger truck. large outdoor umbrella insurance coverage provides like fees. your company small business are affected
Have you always aspired to find out the key benefits of remaining expenditure insurance, you could cant be found rather certain the place to begin 1st, ok, ill demonstrate a little bit by what precisely such a insurance for those that is probably not everything that knowledgeable about Last expenditure insurance can be a unique form of insurance that one can purchase in order that when they pass on one of these days, funeral funeral fees will be handled from the insurance corporation. insurance could also be used to support pay back health care Tennessee Insurance or another bad debts that you could leave just after moving past. There are actually numerous positive aspects to purchasing such a insurance. First of all, just think about satisfaction it will mom and her loved ones if you know any fees will be handled. In the end, Most likely that you simply your household to see a lot of stress due to requiring you to scrabble to scrape a variety of cash collectively for your funeral fees and even to bad debts that you simply still are obligated to pay. As it is, dying undoubtedly presently be an extremely difficult experience on their behalf simply because they obviously mourning over the losing of Nevertheless, if you buy remaining expenditure insurance, no less than your household earned must also deal with extra financial stress in the time dying. Another taking insurance for your remaining fees is that often a percentage could also be used as a way to make a altruistic surprise someone. Potentially we have a distinct charity there is constantly favored. If thats so, you may element of insurance to present business
No matter whether an example may be a part professional photographer, buying video camera pieces of equipment is very expensive. But not only is definitely the major outlay very expensive, however for a lot of, receiving the proper products and its particular supplies can be timeconsuming. Nevertheless, if youre a proficient digital photographer, insuring pieces of equipment within residence insurance may well not provide you with acceptable coverage. Consequently, if you cant manage to purchase other folks, really should anything take place, you have to consider insurance avenues, specifically video camera Insurance Massachusetts Youll also remember that lighting robbers thieves usually goal like merchandise greatly assist smaller dimensions quality. What this means is we have a the upper chances the decline of appreciated possession. Nevertheless, credited the tranquility of these units, folks favor to insure with the established residence information coverage. According to experts, it is essential to insure the device through the practitioner professional. For a way just one employs the device, whether it is like a leisure activity as a means of revenue, the two techniques for insuring pieces of equipment, beginner skilled video camera insurance. With there being a variety of bundles accessible, its vital to track down protect tailormade ones particular wants. For example, its possible attain cover for global usage consumer liability. On the other hand, you have to very carefully check out the information on a policy so that you can find out that you will be forking over finest coverage. Keep in mind, includes can be found in different courses. Youll be able to therefore get skilled beginner protect

Source: http://www.gumshoe-online.com/umbrella-coverage-insurance-coverage-more-details/

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Understanding Why a Lot of Self Improvement Techniques Do Not ...

If your life is not going as planned and you desperately want for things to finally go your way, people usually look back and see where things have gone wrong. Many people cling onto various self improvement techniques. They attend programs and pay for courses. They hire life coaches. While some of their efforts get them significant results, this is not always reliable. Sometimes, even if you think you have done all that you can possibly do, self-improvement is never achieved. Why do some self-improvement techniques fail? In life, you will meet a lot of failures and make a lot of mistakes. These failures have the power to bring you down, but it is up to you if you will allow it to happen. There are people who refuse to be defeated by failures and they find a means to get out of it a winner. Self-improvement techniques are not always successful because of different reasons: When a person relies on self- improvement books, you do it because you are hopeful that the content will help to transform you. In anticipation for this promised change, you get so excited in the first few days but after you notice that nothing has come, you lose interest, and things just go back to normal. It is easy to find reasons not to do something. It does not even matter if the tips are helpful or not. It does not matter if the books speak of truths or if they make no sense at all. People who want to improve their lives will get to do it and the formula lies within themselves and not on the proper book or course selection. Self-improvement techniques can also fail because the person is not ready. Perhaps they think they are, but once something is actually demanded from them, they will realize that they are not prepared to take the move and they are much too comfortable in their positions to take any risks. Making Things Work Self-improvement techniques can fail, for anyone. If it is not working for you but it is for working somebody else, you do not have to worry about it, at all. Instead, you should find a means to understand why you failed, so that you can turn things around and allow things to go on your favor. Begin your own self-improvement habit. This will involve practices that will become your habits so that you do not force a change, but you imbibe some sort of transformation that is going to be permanent. Write down a schedule. Time management is a powerful thing and it is also useful in self-improvement. Write down your schedule for the day and determine how many minutes or hours in a day you are willing to devote to various self-improvement techniques such as meditation, audio hypnoses, yoga and so forth. Stay on track. Do not falter and do not quit. Self-improvement techniques fail because most people get tired and frustrated too easily, especially if they do not like the results that they get.

Self Improvement, Self Improvement Techniques

Source: http://www.personalsuccessdigest.com/understanding-why-a-lot-of-self-improvement-techniques-do-not-work

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Katy Perry, Russell Brand Finalize Divorce Terms

Looks like Katy Perry and Russell Brand are a united front in their split.

The parties have "entered into a comprehensive written settlement of all issues, including, without limitation, with respect to property to be confirmed/assigned to each party," it proclaims in big block letters on Perry's response to Brand's divorce filing.

Considering the duo had no children, "issues" largely refers to money and their $6.5 million house in the Hollywood Hills. But even that's not contentious.

Perry also asked that any obligation to pay Brand spousal support be terminated, a key request considering, under California law, Brand was entitled to half of what his much higher-earning spouse made throughout their 14-month marriage.

Russell's not interested in her money, however.

It appears the couple, who have seemingly had nothing to do with each other since acknowledging their breakup, managed to cut an amicable post-nuptial deal.

The doc also includes a check next to the box: "Respondent's former name be restored to." It goes on to specify her full name, Katheryn Elizabeth Hudson.

And that was all she wrote.

[Photo: WENN.com]

Source: http://www.thehollywoodgossip.com/2012/02/katy-perry-russell-brand-finalize-divorce-terms/

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Beyonce, Jay-Z Move to Trademark "Blue Ivy"

She's already a mogul, this one.

Blue Ivy, Beyonce and Jay-Z's baby's name, may soon be trademarked as well. It does have instant brand recognition, and her business-savvy folks are all over that.

Blue Ivy Carter's parents filed an application with the U.S. Patent and Trademark Office protecting the little girl's name for possible use on a future line of baby goods.

Why the rush? There was no time to waste, apparently.

Two Blue Ivy wannabe entrepreneurs already had applications shot down, and no matter how many White House visits Bey and Jay had enjoyed, they'd still have to go through the office's first-come, first-served process like everyone else.

However, a surge in applications is usual when a new name or phrase explodes into the lexicon, and because it's the office's job to sort things out, they try to anticipate trends, subsequently fast-tracking applications inspired by names in the news.

Still, one Blue Ivy earned the trademark before Beyonce was even pregnant: The Blue Ivy clothing store in Wisconsin got unknowingly lucky in early 2011.

They can be expecting a fat check in the near future.

[Photo: WENN.com]

Source: http://www.thehollywoodgossip.com/2012/02/beyonce-jay-z-move-to-trademark-blue-ivy/

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Real-estate Expense ? Basics ? Winterbrief

Real-estate expenditure could be the natural progression through house expenditure. Experienced property investors usually move to be able to real-estate earlier than afterwards : along with superb causes.

Once your profile develops you will discover this not easy to control your own Commercial property investment if your large area of them is tied up within residential properties. Let?s suppose you might have $15 trillion importance of residential properties. Which is to be a lot of residences and property owners to deal with.

On the other hand $15 trillion can obtain simply a very small number of business attributes that?ll be somewhat an easy task to control using much smaller running costs.

Business attributes include offices, industrial garden sheds, free standing shop, bulk retail, stop involving stores, medical centres, program areas, lodges, hotels, rear green bay packers, fitness gyms, churches, funeral service studios, daycare centres, vehicle meters, convenience stores, places, to be able to get in touch with just a few. Each type of commercial investment chances possesses its peculiarities, skills, issues, rewards and dangers.

The particular roi within real-estate is a lot more than house.The particular wages are internet instead of yucky since the renter pays off all the away going costs. The particular wages are furthermore much more dependable due to prolonged leases.

It really is normal to obtain results of around 10% internet for just about any real-estate expenditure as well as any in which through 7% to be able to 9% internet return for just about any excellent residence.

The need for an advert residence having a amount is dependent upon the products your rent. Typically the value is dependent upon using internet contractual local rental getting paid for and make using of the capitalization price to reach the well worth. The worth may be according to the products your renter and entire rent.

The need for an advert residence could decrease significantly whether or not it becomes vacant. I have come across business attributes offered well below a 50 percent his or her price if they?re tough to rent.

Business residence management may be much easier because property owners possess a strong vested awareness to maintain the house having a higher regular. Renters generally obtain his or her cash flow in the residence. They have to maintain your residence looking great whilst operation to impress their customers.

I have come across property owners devote thousands involving bucks to create enhancements for your residence. Many of these enhancements stick to the house long after your renter leaves the house.

Real-estate law is a lot more flexible in the direction of business rent agreements. You are able to practically word and include virtually any clause that is certainly agreeable for your shortened functions. Extremely common to be able to demand penalty awareness round the away ranking hire or perhaps fasten your office space on ongoing fall behind involving hire.

Absolutely the most important chance within real-estate expenditure is finding a fresh renter in the event of the openings. In real-estate the advantages of every renter when it comes to dimension, location, make use of and hire transaction ability is basically diverse it can be not easy to receive the right renter ideal residence.

On your causes stated earlier additionally it is tough to offer an advert residence expenditure. Higher the necessity for residence you will find smaller various investors to acquire the house. A commercial residence expenditure is less liquid than some other purchases with there being very few players you can purchase. For a residential home you will observe many audience which is not the situation using business attributes.

Real-estate purchases are often in love with capitalization charges and almost never on replacement price. It is therefore easy to get yourself a improperly rented business residence properly down below the price. It?s also possible to boost the value of your own real-estate merely by boosting your rents during hire critiques or perhaps re-negotiating your rent conditions if this appear regarding rebirth.

The particular capital regarding business residence purchases is tougher to obtain while banks go through the quality involving property owners, length and regards to rent. They?ll usually pay for at most 1 / 2 to be able to 66% with the price with the residence. The particular financing charges will also be somewhat higher. You?ll as a result require much more collateral to acquire. This particular reduces your own leverage possibility to purchase much more residence.

Real-estate is when skilled investors placed their energy due to higher results and simpleness involving controlling them. Of those investors business rentals are his or her ?bread and butter? and in addition they travel his or her speculative cash flow by simply trading within residential properties.

A number of business investors focus his or her attention to boost and add value to his or her business profile. Even though others make use of his or her local rental results to buy advancement projects that relate higher results however will need various and higher skill sets.

Article Created By Taylor G.J. Wical

Source: http://www.winterbrief.com/real-estate-expense-basics

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Data Security and Your Small Business: What You Need To Know ...

It is easy to fall into the wrong idea that you already have enough safeguards in position to protect your small business. You almost certainly stay up to date with the latest antivirus software, but is that adequate? You also probably feel that since you?re not a huge corporation, you don?t have to worry about cyber criminals hacking into your system. But here?s the unfortunate reality: cyber criminals have upped their game and are beginning to target small businesses increasingly more. Let?s take a closer look to? give you a better understanding of the level of danger your business may be under.

Small firms: low-hanging fruit

The truth is, hackers have found that small businesses are easier targets, and therefore are increasingly preying upon them. They can infiltrate their systems at a much faster rate, and with a better percentage of success as well. This means a cyber criminal can invade multiple targets in the time it would take them to lay siege to a better-guarded system with a higher level of data security. How can it be worth their while to steal from a mom and pop business? In today?s modern world, just about any business employs digital payment processing methods. Whenever your customers pay using a credit card, this data must run through your system to be verified. This represents a goldmine of data for hackers, as they can lift this data without being detected. With your customers? credit card numbers, addresses and names, they are able to make fraudulent charges on their accounts.

How hackers gain access to your data

Even though you most likely have systems in position to defend your data, hackers will make use of multiple points of entry, so firewalls alone may not be enough. Malicious email attachments are one of the biggest offenders. These attachments can leave your system wide open for data mining. This year alone in the first quarter, 6 million malware programs were discovered. Apart from these more high-tech tactics, cyber criminals also use low-tech methods to steal information. Telephone calls or even personal visits by someone posing as a network administrator or security firm can be damaging. We all hope our workers are smart enough not to be seduced by an apparent phishing scam, but it only takes one slip up to open yourself up for attack.

The buck stops with you

If you feel that maintaining data security is not necessary, take into account that should your systems be breached, your customers will in all probability hold you personally responsible for any stolen data or property. These kind of events cost companies thousands of dollars every year and can damage a company?s name so badly? that they have to close their doors permanently.

An ounce of prevention?

So, in relation to your data security, taking additional precautions is a prudent move. Not only should you update your programs whenever possible, take a look at strengthening your passwords as well. Don?t use obvious phrases, and never leave the default password in place. Also, advise your employees not to give out their login information or open attachments from unfamiliar senders when checking their email. You can also hire an outside consultant to guarantee the security of your customers? data. Taking these types of measures can give you piece of mind, knowing that your systems are safe from attack.

Source: http://blog.infoexchangeja.com/2012/data-security-and-your-small-business-what-you-need-to-know/

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WATCH: Maria Menounos Hosts 'Extra' in a Giants Bikini

Maria Menounos is a woman of her word -- and men everywhere are glad of it. The self-professed New England Patriots fan was so confident her team would win Sunday's Super Bowl that she promised to host Extra in her bikini if the New York Giants won the big game.

Source: http://www.ivillage.com/maria-menounos-hosts-extra-bikini-super-bowl-bet/1-a-425731?dst=iv%3AiVillage%3Amaria-menounos-hosts-extra-bikini-super-bowl-bet-425731

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Contador may still appeal doping ban, won't retire (AP)

MADRID ? Alberto Contador vowed Tuesday to return to the pinnacle of cycling, maintaining his innocence in the face of a two-year doping ban that stripped the Spanish star of his 2010 Tour de France title.

He said his lawyers are considering whether to appeal the ban handed down by sport's highest court and insisted that even if the punishment stands he will return to challenge for more Tour titles.

The penalty is retroactive and will expire in August.

"I'm sure of one thing: I want to come back to ride the best races," Contador said at a news conference, making in his first comments since Monday's verdict ended an 18-month doping investigation that again highlighted cycling's long-standing problem with banned substances.

Contador had previously hinted that he might quit if banned for testing positive for clenbuterol on his way to winning a third Tour title in 2010.

The Spaniard had based his defense on a bad steak, saying he must have digested the clenbuterol ? a banned anabolic agent ? by eating contaminated meat that his team imported from Spain during the Tour.

The Court of Arbitration for Sport didn't accept that scenario, saying it was more likely that it came from a food supplement.

"Something doesn't work with the system," Contador said at a crowded news conference in his native Pinto, on the outskirts of Madrid. "My lawyers and I will fight as far as we need to demonstrate my innocence."

Contador said his legal team are examining whether to appeal to Switzerland's supreme court, which is the only body he can still turn to in hopes of being exonerated.

"I've tried everything to understand this ruling, but I cannot. I cannot understand this ban they have handed me," said Contador, who underwent a lie-detector test during the doping investigation. "If there is anything else I can do to prove my innocence I'd like to know."

Contador said the ordeal has left him disillusioned with the sport and he would never recommend professional cycling to anyone.

"The only satisfaction I feel is that whatever decision was reached, the ruling never says I doped," Contador said during a 50-minute news conference that was often interrupted by rounds of applause and yells of "Contador" from supportive locals. "There was never an intention on my part."

Contador would not comment on his financial situation, with the International Cycling Union looking to fine him $3.25 million. His Saxo Bank-SunGard team boss Bjarne Riis said Tuesday that Contador would not be paid if he is not racing.

Contador, who tested positive during a rest day at the 2010 Tour, will be stripped of the results from his races since Jan. 25, 2011 ? the day the Spanish federation proposed a one-year ban, which was squashed through appeal before being taken by the UCI and WADA to CAS. That includes his Giro d'Italia victory last season.

"They can take those two years and fine me but they can never take away my victories," Contador said.

Contador is banned from riding until Aug. 6 and will miss this year's Tour, Giro d'Italia and Olympics in London. He did not say whether he will line up for the Spanish Vuelta, which starts on Aug. 18.

Riis said the team's trust in Contador was "100 percent intact," but Contador's future with the Danish team remains vague.

"August is still a long time (away). If he wishes to continue with the team, our intention is the same," Riis said. "I would have no problem working with Alberto again. I have not seen a bike rider like him in many, many years, probably not since (Eddy) Merckx."

Contador and Merckx are among only five cyclists to have won all three of cycling's major events during their career. Contador also won the Tour in 2007 and '09, and took the Giro and Spanish Vuelta in 2008.

Source: http://us.rd.yahoo.com/dailynews/rss/sports/*http%3A//news.yahoo.com/s/ap/20120207/ap_on_sp_ot/cyc_doping_contador

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Bad Credit Auto Loans ? What you ought to Consider ? ArticlePlusX ...

A lot of people believe that with bad credit, auto loans are something out of their reach. It?s not always true as many car-financing providers these days know how difficult it is to own a low credit score. You still have the opportunity to get your new car making use of their help. The process of acquiring poor credit auto loans may be a little bit challenging but what?s significant is that you could have your car whilst working to improve your standing.

Listed here are a few essential things to consider in getting your car loan successfully approved.

First, remember that you can?t expect the perfect interest levels with bad credit auto loans. This really is easy to understand considering the fact that lenders need sure profit from taking a chance on a person with bad credit score. Thankfully that with the countless firms, there is the possibility to make a choice that suits your requirements and financial circumstances.

You may be entitled to a high-risk auto loan however you could have a far better chance when you select used cars as a substitute. Thousands of Americans decide upon this choice. Pre-owned vehicles do not necessarily indicate sub-standard or defective vehicles. It is possible to still locate ones which are worth your expense. When you are fortunate, you could find slightly used automobiles. Through taking this selection, you will need to find used car lots that do their own financing. Go with one that provides weekly or monthly installments depending on how often you get your salary. Whilst it can also cost you a bit, this car loan type is good if you would like a reliable and low-cost automobile.

You may also look at car lots in your neighborhood. They could be open for negotiation particularly when the business enterprise is not stable. Additionally, it is possible to talk about reductions for the down payment. What this means is it is not just a good choice for those that have a low credit score but also for those that don?t have enough finances to pay right away. Remember that you will still have to buy a tag and get insurance for the car. With this in mind, you may use the reductions you could possibly get from the down payment to cover such expenditures.

You also have to know that once your credit rating starts to improve, you have the chance to re-finance. Refinancing the high-risk loan means getting lower interest rates. While this is not often possible, other lenders can review your recent credit history. If they see that you are worth the risk, then you may enjoy lower interest rates. Continue to look for better terms once you regain control over your finances.

To get the most out of your bad credit auto loans, you will need to make the best decisions. This involves proper analysis of the choices when it comes to the dealers, car types, and payment modes. To make good decisions, compare the costs and benefits you can get. Having a bad credit rating should not be a reason to lose hope. Instead, you must take it as a chance to work for a better standing in the future. Search for your poor credit auto loans today and regain control over your standing.

The author is a business magazine writer who has an assignment about car finance and focused on car loans with bad credit.

Source: http://www.articleplusx.com/2012/02/bad-credit-auto-loans-what-you-ought-to-consider/

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