Saturday, March 31, 2012

Spain announces harsh austerity plan (Americablog)

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Kauffman Center, Grammy Museum to give students a musical boost ...

Music Revolution Project will begin this summer.

By ANDREA FOWLER

The Kansas City Star

The Kansas City Star

Updated: 2012-03-29T20:24:19Z

The application deadline is approaching for area student musicians who might benefit from working with professionals in a new, free summer program.

The pilot educational program, launched by the Kauffman Center for the Performing Arts, the Grammy Museum and the Sprint Center, will connect college and high school students with Grammy-level artists representing multiple musical styles. Students will participate in an intensive four-week curriculum including instruction, mentoring and rehearsals at the Kauffman and Sprint centers. ?This project helps us get kids onstage in a unique way, and it?s an opportunity they otherwise wouldn?t get,? said Kauffman Center president and CEO Jane Chu. The program will begin June 18 and culminate with a formal concert in July.Local high school and college students can apply by April 15 (a full list of qualifications is available at GrammyMuseum.org). Interested students should have basic performing skills as well as experience in composing or songwriting. Applicants must be able to demonstrate their passion for music and plans to pursue a music career. Students should complete the application form and include a personal statement plus a letter of reference from a teacher or administrator. Students must also prepare a short video or audio clip of their performance. In this first year of the program, all applicants must live in the greater Kansas City area, but as the program grows, organizers will consider applications from around the country and internationally.?The enthusiasm, passion and commitment of the music and arts community throughout the region made Kansas City the obvious choice to host this program,? the Grammy Museum?s executive director, Bob Santelli, said in a statement. Application forms and additional information can be found by visiting the websites for the Kauffman Center for the Performing Arts, the Sprint Center or the Grammy Museum.

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Is Real Estate Investing for You? | Best HOME AND REAL ESTATE ...

You?ll find various purchases in this time period. Probably the most typically applauded pertaining to producing the guru?s around the world however can be property investing. During the industry of real estate property there are several diverse purchase types. Every single design requires different numbers of chance for your buyer. In case careful consideration is actually taken there exists a sort of owning a home that is certainly great for many people however there are several in which property will not be a smart investment for.

Those people who are simply not eliminate are the real deal property investment are those who wish to view the particular ticker rotate over the computer monitor as well as television screen indicating the value of these stock portfolios on a regular basis. People that are interested in on the net the actual intelligence of the investment practices in lieu of those who find themselves written content by sitting on the opportunities while they consider shape or even people who find themselves happy to positively operate in purchase to make their own purchases repay.

Acquire and keep real estate property included buying home and also holding the idea to get a long time whilst the property?s value appreciates inside price. This calls for somebody that is quite knowledgeable when creating acquisitions or very blessed in most cases. More importantly nonetheless, it requires somebody who has your endurance and tenaciousness to support onto their particular opportunities for a long period of your time. These kind of assets provides a pleasant old age for the right buyer in addition to cash in the perfect time to the wedding ceremonies of youngsters or to purchase university.

Local rental attributes tend to be another excellent strategy to earn money if you are ready to take care of any long-term property expense. In this kind of investment cash is made month after month with the idea to pay or perhaps bring about the particular mortgage loan and money can be achieved once the rentals are paid for as well as offered later in life to be able to obtain a more full and also total cash in on the endeavor. There is certainly some degree associated with cost along the way that?s involved in maintaining qualities up to date along with need nevertheless the important things about this particular type of expenditure are almost indisputable ideal trader.

Flicking is another sort of owning a home that?s getting a great deal of click these days. This procedure consists of purchasing a residence beneath its worth, committing to fixing as well as rehabbing the house, then reselling the house for the substantial profit. That is one of the few short-term varieties of investment which can be commonly rewarding when it comes to property investing. You will find other people but those hold even more hazards than flipping.

Needless to say you will find high-risk real estate property projects for those that need some excitement of their life. Among the more common high-risk opportunities will be pre-construction real estate. Using this form of expense the entrepreneur is definitely ?betting? that the upcoming home can cost a better price tag compared to the investor paid after the developing is complete.

Regardless of whether neglect the requires are low-risk, high-risk, or someplace among there exists ready a method regarding owning a home that will be suitable for your unique purchase requires. If you don?t discover a real estate investment opportunities plan that is certainly good for you and then do not give up hope there isn?t any type of shelling out which is right for everybody.

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Traditional Tanzanian music falls in popularity, but demands preservation

Muziki wa dansi music was inspired by Tanzanian national pride after its independence in the 1960s. Today, a heritage project is trying to archive the unique music for future generations.

? A local, slice-of-life story from a Monitor correspondent.

Skip to next paragraph

Muziki wa dansi ? a uniquely Swahili blend of jazz, rumba, and traditional music ? was born in newly independent Tanzania in the 1960s, on a wave of national pride. For decades Tanzanians swayed to these beats, broadcast by the country?s only radio station.

?It was all about love, all about unity, all about coming together and building a new nation,? says Benson Rukantabula. ?When you listen to the music now, you still have the same feeling.?

Think you know Africa? Take our geography quiz.

But not many Tanzanians still do listen. In recent decades, muziki wa dansi has been replaced on the airwaves by Western Top 40 hits.

Now, around 250,000 hours of Tanzanian classics ? along with tribal dances and historic speeches ? are moldering in the archives of the Tanzanian Broadcasting Corporation, on reel-to-reel analog tapes slowly turning to dust. The Tanzania Heritage Project, which Mr. Rukantabula cofounded, is fighting to keep this music alive, raising money to digitize it and make it available to the public once again.

?Every minute that these tapes sit in the heat and humidity of Dar es Salaam, the quality is being reduced,? says Rebecca Corey, another of the project?s cofounders. ?As the last of these musicians passes on,? she adds, ?there will be no one to carry on these traditions if no one can hear the music.?

King Kiki, a Tanzanian musical legend, has been playing rumba for 50 years. ?A few young people these days like my music, but not many,? he says. ?With time, they will come to appreciate it.?

Think you know Africa? Take our geography quiz.

Get daily or weekly updates from?CSMonitor.com?delivered to your inbox.?Sign up today.

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Business Ethics: Why Greg Smith Left Goldman Sachs (Upper ...

Business Ethics ESL Lesson Plan: Warm-up (Pair Work)

1) What?s the best way to invest for your future?
2) What companies do you feel overcharge or abuse their customers?
3) What is the purpose of a corporation or financial institution?
4) Have you ever quit a job for ethical reasons?
5) What are the values of the company you work for?

Reading: Why Greg Smith Left Goldman Sachs (March, 2012)

Greg Smith has created a significant buzz on Wall Street. When he resigned on March 14th as an executive director at Goldman Sachs, one of the world?s largest investment banks, he decided to publish his resignation letter in the New York Times. Needless to say, he has definitely burned his bridges with his former employer.

?

After 12 years at Goldman Sachs, Smith leaves an environment that he describes as ?toxic? and ?destructive?. He writes:

?

?To put the problem in the simplest terms, the interests of the client continue to be sidelined in the way the firm operates and thinks about making money. Goldman Sachs is one of the world?s largest and most important investment banks and it is too integral to global finance to continue to act this way. The firm has veered so far from the place I joined right out of college that I can no longer in good conscience say that I identify with what it stands for.?

?

According to Smith, the company?s mission today is to get clients to trade whatever brings the biggest profit to Goldman. Smith writes that he was astounded by ?how little senior management gets a basic truth: If clients don?t trust you they will eventually stop doing business with you. It doesn?t matter how smart you are.? His letter goes on to describe a culture of greed in which colleagues bragged about ripping off clients, whom directors refer to as ?muppets.?

?

Smith calls for a change in the company?s business culture. He hopes his letter ?can be a wake-up call to the board of directors. Make the client the focal point of your business again. Without clients you will not make money. In fact, you will not exist.? [287 words]

[Original: http://www.nytimes.com/2012/03/14/opinion/why-i-am-leaving-goldman-sachs.html]

Business Ethics ESL Lesson Plan: Comprehension & Follow-Up Questions

1)??? What was different about how Greg Smith resigned?

2)??? Why did he decide to resign?

3)??? Who are ?muppets??

4)??? What effect does Smith hope his letter will have?

5)??? Your Opinion: Do you commend Greg Smith for how he resigned?

6)??? Your Opinion: What surprised you about the article?

Answers

1 ? He resigned publicly. He published his letter in a major newspaper.

2- He resigned because of a shift in the company culture away from protecting client interests towards pursing profits at the expense of the clients.

3 ? The muppets, in this situation, are the clients. Smith's claims his coworkers referred to clients as muppets, most likely because of the way they can manipulate them.

4 ? He hopes it will make the board of directors wake up, and decide to improve the culture of the business by making it client-focused once again.

5 ? ?

6 ? ?

Business Ethics ESL Lesson Plan: Vocabulary Matching

Match the words with their meaning as used in the news lesson.

buzz
burn your bridges
toxic
sideline (verb)
integral
veer (verb)
in good conscience
identify with sb/sth
astounded
brag (verb)
rip sb off (phr. verb)
focal point
Answers
  • buzz ? the sound of activity and discussion
  • burn your bridges ? destroy a relationship so you cannot return somewhere
  • toxic ? poisonous
  • sideline ? make sth less important; put aside
  • integral ? essential; vital
  • veer ? change direction suddenly; sweve
  • in good conscience ? honestly
  • identify with sb/sth ? share the same feelings/values as sb/sth
  • astounded ? amazed; surprised
  • brag ? talk too proudly about sth you did; boast
  • rip sb off ? cheat sb by making them pay too much
  • focal point ? the center of interest or activity

Business Ethics ESL Lesson Plan: Connect the below idea(s) to make a sentence.


Business Ethics ESL Lesson Plan: Dissatisfied Employees

What can companies do to prevent dissatisfied or angry employees from making their feelings public?

Business Ethics ESL Lesson Plan:? Role-Play (Pair Work)

Student A

It?s March 13th. Your friend, Greg Smith, tells you he plans to resign tomorrow. You don?t believe he should. Try to think of reasons why he shouldn?t. (Possible reasons: 1) money 2) businesses are all the same 3) if he wants to make a difference, then stay and fix the problem, etc.)

Student B

?

It?s March 13th. Tomorrow, you plan to quit your job. Tell your friend (Student A), about your plan to resign and also post your resignation letter publicly.

Business Ethics ESL Lesson Plan: Thrasymachus? Challenge

In Plato?s The Republic, Thrasymachus challenges Socrates to tell him why it is better in life to be just. Thrasymachus argues that it is not only more profitable to be unjust and immoral but also more rational to be so. He argues that the unjust life is more pleasant and offers more rewards. The life of the moral man, however, is wretched and unhappy. How would you respond to Thrasymachus? challenge?

Business Ethics ESL Lesson Plan: Situations

Discuss the below situations with a partner. Share your ideas with the class when finished.

1. If you are overworked and underpaid, is it okay to conduct personal business on company time?

2. If you and two other members of a five-person team did all the work on a project, would you tell management about this? Is it okay to put the other co-workers in a negative light?

Business Ethics ESL Lesson Plan: Mission, Vision, and Values (Optional Pair Work)

Combine you and your partner?s last names to make the name of a financial institution. Next, draw up a basic company mission statement that outlines its core values.

Business Ethics ESL Lesson Plan: Discussion Questions

1) Why should companies value anything other than their own profits?
2) What are the pros and cons of exit interviews?
3) What consequences do you think await Greg Smith?
4) Whistle-blowing: Is Gregory Smith a whistle-blower?
5) Banking: Would banking services improve if banks were public?
6) How can the business culture described by Smith be changed?

?

?

?

Business Ethics ESL Lesson plan copyright Matthew Barton of Englishcurrent.com

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Shopping Lists & Product Reviews: MP3 Player

This policy is valid from 19 December 2009. I am the owner and creator of this blog. I will sometimes get paid by advertisers to give my opinion on products, websites and other topics, but my paid compensation will not influence the content or topics of my posts. Even though I receive compensation, my opinion and findings of the products, websites or other topics that I discuss on my blog will be my own opinion, findings and beliefs. These opinions are my own and any quote, claim or statistic should be verified by the product owner or manufacturer.

Source: http://www.demcysonlineboutique.com/2012/03/mp3-player.html

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Superhot gas spirals from massive tornado on the sun

Sandrine Ceurstemont, editor, New Scientist TV

Tornadoes on Earth can't compare with massive, superhot twisters on the sun. Now you can see what a tornado several times as wide as the Earth looks like as it whirls gas into the sun's atmosphere for several hours, thanks to a movie captured by a telescope on NASA's Solar Dynamic Observatory (SDO) satellite on September 25, 2011.

The video shows gas particles observed at three different temperatures during the event. The temperature of this twister is high compared to smaller ones and physicist Xing Li, from Aberystwyth University in the UK, and his team are currently investigating why.

Solar tornadoes are thought to be caused by a structure rooted at both ends of the sun's surface that resembles a magnetic slinky. "A huge injection of material shoots up one of the legs of the slinky and is forced to follow the helical shape of the magnetic field," says Li. "When you observe the slinky from one end, you see a coherent rotation of material around a central axis."

The twirling motion of these tornadoes could help trigger coronal mass ejections - blasts of charged particles that can affect space weather or zap satellites if directed towards the Earth. Two of these eruptions were detected right above the tornado in this video as it started to form, so it may have been involved in setting off the explosion.

Li and his team expect to observe more of these tornadoes soon since the sun is currently in a highly active state. The video is being presented today at the National Astronomy Meeting in Manchester, UK.

If you enjoyed this post, check out a monster blast on the sun's surface or watch a recent explanation for space weather.

Subscribe to New Scientist Magazine

Source: http://feeds.newscientist.com/c/749/f/10897/s/1de8c832/l/0L0Snewscientist0N0Cblogs0Cnstv0C20A120C0A30Csuperhot0Egas0Espirals0Efrom0Emassive0Etornado0Eon0Ethe0Esun0Bhtml0DDCMP0FOTC0Erss0Gnsref0Fonline0Enews/story01.htm

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Google Play Movies launches in France

Play Movies

Google has today announced the launch of Google Play Movies in France. The service launches in France as "Google Play Films", and Google's touting the availability of French language classics like La Grotte Des Rêves Perdus and Le Bal Des Actrices, along with the larger library of English titles already available in the US, UK and elsewhere.

If you need to pick up your copy of the Android app for Google Play Movies (or Google Play Films), we've got the usual QR code and store link after the break.

read more



Source: http://feedproxy.google.com/~r/androidcentral/~3/1ne8pHlvf-s/story01.htm

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Reputable Social video marketing | The Blogging Site Since 2008

Commission Prophet

Video marketing features a variety of advantages that really help an enterprise attain income. Movie business presentation is actually regarding and leaves a moment effect on this client as well as enables to provide the possible client using a the most appropriate introduction to the items along with products you need to provide. The audience is mainly thrilled to view as opposed to looking at. Movie conversation happens to be an efficient manner of conversing towards the customers. Every time a client develops much more reactive so that you can what you?re delivering it is suggested the perfect period in terms of getting good results. This unique type of marketing doesn?t require any kind of demand while helps to supply the particular focused clientele in your web page as well as advantages your business interest because you help to make much more customers. It?s not an expense on the organization but instead, an investment that?s going to enable you to get considerably more organization daily.

Large numbers of web entrepreneurs are generally experiencing precisely how profitable online video marketing is to sell their product as well as sites. To possess wherever using online video marketing, even so, it?s important to maximize your latest movies, or even these individuals will not have the landscapes you need to create a obvious affect. Beginner online video internet marketers typically help to make movies as well as submit them without having providing them with any type of concern for you to combining these people, which usually significantly restrictions their particular possible because marketing methods. In the following paragraphs all of us shall be looking into 3 straightforward ideas that can be used immediately for you to improve your current movies better and acquire focused reaction.

When you know already, there are lots of solutions to market your business online. Using a combination of marketing methods can be be extremely efficient. Video marketing should be as part of your technique along with additional strategies that really work for you. The particular movies the application of because element of your present online strategy needs to be brief, efficient as well as desirable and people movies needs to be accused on keywords and key phrases that can tolerate over the long time.

Video tutorials are impressive given that they appeal to your current audience somewhat more efficiently as well as rapidly when compared with text message, images or even audio. As the saying goes ?A image is worth one thousand words? when looking at marketing techniques, movies assist to connect your current company?s logo and communications in the quite effective way. It should be quickly evident which marketing with video, if utilised efficiently, can create a lot of site visitors aimed at your website. In the event you follow these kinds of marketing techniques you will have the ability to attract prospects in your site through your online video articles, take pleasure in conversion rate or even revenue, as well as overall, maximize your internet-based organization.

To sum up, Video marketing is an extremely efficient as well as critical a part of internet online marketing strategy. Remember to always keep your online video brief, focused, set up, clear, and acquire essentially the most utilize out there it that you can. Video marketing is one kind of a lot of strategies that you ought to utilize to bolster precisely what your company offers and exactly how an individual connect what exactly is inside it for your target audience. To put it differently, by means of online video marketing, you?ll present your current target audience the method that you can resolve their particular problems.

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Source: http://psa2008.org/reputable-social-video-marketing/

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Friday, March 30, 2012

How To Buy a House? - Ohio Homes & Real Estate For Sale

Buying a Home For The First Time

Buying A House For The First Time?

If you?re buying a house for the first time, don?t stress. This in-depth buyer?s guide can prepare first-time home buyers for the process of buying a house that fits your wants, needs, and budget. This buyer?s guide should help alleviate any unwanted stress when buying your first home.

#1 Get A Copy of Your Credit Report:

Your credit score does not just determine whether you?ll be able to secure a home loan, it will also determine what type of interest rate you?ll qualify for when securing a home loan. Generally, a home mortgage loan cannot be secured unless you have at least a 660 credit score. The better your credit score, the better interest rate you will receive. If your credit report shows outstanding or unpaid debts, maxed-out credit cards, late payments, liens, or a bankruptcy, you would probably be expected to apply a larger down payment in order to secure the loan ? if you were even approved for a home loan.

There are three major credit reporting agencies (credit bureaus) that creditors report to, Trans Union, Equifax, and Experian. It?s important to understand that you must check all three credit bureaus, as some creditors only report to one or two of the bureaus. There are many different companies out there offering ?Free Credit Reports? ? so proceed with caution. By law, all three credit bureaus, Experian, Equifax & Trans Union, must issue you a free credit report once a year.

#2 Contact A Mortgage Broker (Loan Officer):

You?ll want to contact a mortgage consultant or home loan lender and secure a pre-approval letter by providing some basic information. Keep in mind, there is a big difference between a ?pre-approval letter? and a ?pre-qualification letter.? A pre-qualification letter is as simple as calling a mortgage broker and asking for one (I?m serious). A pre-approval letter, on the other hand, requires proof and verification of all information provided.

A home loan pre-approval letter is important for many reasons, but I?ll name just a few. First and foremost, it tells you how much of a home loan you qualify for (how much money you can borrow). Second, a pre-approval letter tells your real estate agent that you are a serious buyer and it gives your real estate agent a definitive purchase price. Once your real estate agent knows your price range, the more specific he/she can be when searching for homes to show you. Third, a pre-approval letter gives you more leverage when negotiating with sellers. Generally, sellers prefer negotiating with pre-approved buyers because they know that pre-approved buyers are financially qualified to obtain financing to close the transaction.

#3 Find A Real Estate Agent (Realtor):

Finding a professional real estate agent is crucial when buying or selling a home. A qualified professional Realtor will walk you through most, if not all, of the steps mentioned in this home buyer?s guide. There are two types of real estate agents: a ?buyer?s agent? and a ?listing agent.? When buying a home ? which is what we are addressing in this post ? you?ll be interviewing a ?buyer?s real estate agent.? If you were selling your home, you would be interviewing a ?listing real estate agent.?

The seller pays the commission to your buyer?s agent, so it costs you nothing to hire a real estate agent. Your real estate agent serves you by informing you of houses, townhouses & condos available that meet your needs (realtors have access to their local MLS real estate database) and by answering your questions about the buying process. In theory, your real estate agent should negotiate on your behalf and successfully secure the best price possible.

#4 Tell Your Realtor Where You Would Like To Buy A House:

Discuss with your real estate agent what part of town you would like to live in, specific school district, certain neighborhood, the exact amount of your pre-approval letter, and how much you are willing to spend on your new home. Once your Realtor has this important information, he/she can start to research homes for sale that match your specific criteria. Once your real estate agent has found two or three homes he/she feels you may be interested in, they will coordinate with your schedule and set a time to show you the houses.

#5 Once You Find A House, Secure A Property Disclosure From The Sellers:

A property disclosure form outlines specific problems (issues) with the house that the seller knows about and is mandated by law to disclose to all future buyers. If you are satisfied with what you see in the property disclosure form, you can move on to the next step in the buying process.

#6 You?ll Contractually Submit An Offer On The House:

Now that you?ve just submitted an offer on your desired home, hopefully the seller will accept all terms. If not, you will likely see a counter offer. If the seller returns a counter offer, your real estate agent will present this to you and from there you can either decide to stop negotiations and continue to search for a different house, counter the counter offer, accept the counter offer with conditions, or accept the counter offer as is and move on to the next step in the buying process.

#7 Order A Complete Home Inspection:

Now that you and the seller have contractually agreed on a price, it?s time to order a complete home inspection by a certified home inspector. Generally, the home inspection is paid for by you, the buyer. Certified Home Inspectors charge anywhere from $350 to $500 depending on the size of the home. You?re probably asking yourself, ?why would I need a home inspection when I have a signed property disclosure form?? A home inspection may turn up problems with the house that the current homeowner (seller) wasn?t even aware of and isn?t listed on the property disclosure form. If the home inspection turns up problems not listed in the property disclosure form, you can request that the seller cover the cost to fix the problems, lower the price of the house, or simply walk away from the deal if the contract allows for that option.

#8 Your Lender Will Have The House Appraised:

Your lender (bank) will have the house appraised by a certified real estate appraiser to ensure the house is worth what you?re paying for it. The bank will not approve a home loan for $150,000 when the house is only worth $110,000. For the most part, you (the buyer) will have to pay for the appraisal up front, otherwise the cost of the appraisal will be calculated into your closing cost. Besides paying for the cost of the appraisal, you have nothing to do with this part of the buying process.

#9 Closing On Your New Home:

You are now ready for the final step in the buying process: attending the closing. Generally, the closing is held at either a real estate office, title company, or the lenders location. The closing table is where you will fill out the final paperwork and pay closing costs (down payment), unless the costs were rolled into the mortgage. If the costs were not rolled into the mortgage, you will either have to bring a certified money order or have your bank wire the funds to the closing company. Congratulations ? you now own your very own home and a piece of the American dream!

Source: http://ohiorealestateguys.com/buying-a-house/first-time-home-buyer/

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Rheumatoid Arthritis Patients Who Quit Statins May Face Raised Death Risk

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Source: http://news.yahoo.com/rheumatoid-arthritis-patients-quit-statins-may-face-raised-130406346.html

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Underwater iPhone Case Only Lets You Use the Camera App [Cases]

It might be waterproof to 100 feet, but TAT7's iPhone Scuba Case only includes three strategically-placed mechanical buttons for launching and operating the default camera app. So updating your Facebook profile from Davy Jones' locker isn't going to happen. More »


Source: http://feeds.gawker.com/~r/gizmodo/full/~3/xjiOxprOZ3k/underwater-iphone-case-only-lets-you-use-the-camera-app

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NFL coaches speak on bounties

New York Giants coach Tom Coughlin, left, gives an interview at the NFL owners meeting in Palm Beach, Fla., Wednesday, March 28, 2012. (AP Photo/Luis M. Alvarez)

New York Giants coach Tom Coughlin, left, gives an interview at the NFL owners meeting in Palm Beach, Fla., Wednesday, March 28, 2012. (AP Photo/Luis M. Alvarez)

Detroit Lions coach Jim Schwartz listens during an interview at the NFL owners meeting in Palm Beach, Fla., Wednesday, March 28, 2012. (AP Photo/Luis M. Alvarez)

New York Giants coach Tom Coughlin gives an interview at the NFL owners meeting in Palm Beach, Fla., Wednesday, March 28, 2012. (AP Photo/Luis M. Alvarez)

New York Giants coach Tom Coughlin gives an interview at the NFL owners meeting in Palm Beach, Fla., Wednesday, March 28, 2012. (AP Photo/Luis M. Alvarez)

San Francisco 49ers coach Jim Harbaugh talks to the media at the NFL owners meeting in Palm Beach, Fla., Wednesday, March 28, 2012. (AP Photo/Luis M. Alvarez)

(AP) ? NFL coaches plan to go right at the league's most sensitive subject ? bounties ? when they get together with players next month.

Although a few shied away from commenting at owners meetings this week about the New Orleans Saints' extra payments, under which players were rewarded for big hits on specific opponents, most coaches said it's an important subject to address ? with the media and with their players.

"The whole league will talk about it," Giants coach Tom Coughlin said Wednesday.

"The commissioner wants the entire league to make sure it's discussed ? to go forward using it as an example, to stress there is no place for that in our league."

Last week, NFL Commissioner Roger Goodell suspended Saints coach Sean Payton for all of the 2012 season after the league investigated that team's bounties. Goodell also ordered every principal owner and head coach in the league to certify in writing that their team does not have any sort of pay-for-performance system.

Several coaches echoed Coughlin, hoping they only will need to bring it up once with their players. Clubs will gather for workouts in mid-April.

"It's definitely necessary to mention it," said Ron Rivera, whose Carolina Panthers play the Saints twice a year in the NFC South. "The precedent has been set by the commissioner and they need to understand that and it is not to be broached again. Going forward, we won't have to go over these things again."

Payton's former defensive coordinator, Gregg Williams, is barred indefinitely for overseeing the system. Williams was hired as defensive coordinator in St. Louis earlier this year.

Joe Vitt, Payton's assistant head coach, was suspended for six games, Saints general manager Mickey Loomis got eight games, and the team was fined $500,000. New Orleans also loses a second-round pick in each of the next two drafts.

Detroit Lions coach Jim Schwartz stressed how easy it is to cross the line from acceptable rewards to something sinister.

Schwartz said past awards he's given out while working for the Tennessee Titans and the Lions ? baseball bats or a boxing glove for big hits ? had league approval, because they didn't have any monetary significance.

"It was part of the game-ball program. It wasn't part of anything else," Schwartz said. "A recognition system has been in effect for football since pee wee ball. We give out game balls. We give out trophies at the end of the season for all different things. A lot of colleges give out stickers on helmets; high schools give out stickers on helmets. There's a big difference between things like that and things like bounties."

Schwartz noted that it's not unheard of for QBs to buy gifts for their linemen, or for running backs to do the same if they have a big season.

"That would all receive very good press," he said. "I think what this shows is how fine some of the lines are and how easy it is to go from something like that that's been around and has been part of football to something that should never be part of football and is not good for our game."

The NFL sent lead counsel Jeff Pash and security director Jeffrey Miller to New Orleans to speak with the Saints about the bounties one day before they hosted Detroit in a wild-card game in January. The league officials told owner Tom Benson to make sure no bounty system still was in place.

New Orleans had already beaten Detroit in the regular season, when Lions pass rusher Ndamukong Suh was serving a suspension for stomping an opponent.

Was Schwartz aware of anything untoward by the Saints, either time?

"Other than we got beat twice?" he said. "They were physical games but I don't recall them drawing any penalties. We were the only ones drawing penalties (in Week 13). I don't recall anything that the guys thought was extra."

Mike Smith's Falcons are the Saints' main rival in their division. Atlanta-New Orleans games usually are close, always are feisty.

"It is a physical game and there are rules we must play by," Smith said. "As coaches, it is important we make sure we coach to that."

One of the NFL's most physical teams ? and most fined ? is Pittsburgh. Star linebacker James Harrison was suspended one game in 2011 for a hit to a defenseless player, Browns quarterback Colt McCoy. Harrison was deemed a repeat offender, and he frequently has been fined by Goodell for illegal hits.

Pittsburgh coach Mike Tomlin said he's heard of other teams supposedly placing bounties on the Steelers.

"That talk has been around, but for us, it's not something that we've engaged in," Tomlin said. "We've always been somewhat amused by it. Not that it's amusing, of course."

Seattle coach Pete Carroll spent 15 years working in the NFL before going to Southern California for nine hugely successful seasons in college football. He returned to the pros in 2010.

He misses the aura that surrounded some players with a tough-guy image, but recognized that times change.

"The lore of the players that were unique ? there's not a place for that in a way," he said. "Those of us who are the old-school guys, we miss that. We miss the uniqueness of the tough guys and the way that they were able to demonstrate that. But now, it just doesn't fit."

___

AP Sports Writer Tim Reynolds contributed to this story.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/347875155d53465d95cec892aeb06419/Article_2012-03-28-FBN-Coaches-Bounties/id-62190681136a4e2283a929a3c971b1bd

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7 Ex-Jailbirds Who Made It Big In Business

RELATED:?Meet America's New Small-Business Owners: Ex-Cons

To avoid the?prison record stigma, many offenders have chosen to branch out on their own. Here are seven who have launched successful businesses after spending time behind bars.

1.?Adrienne Smalls?served time from 1989 to 1991 in New York?s Westchester County Jail for hitting a policeman. From 1993 to 1998, she regularly took the bus from New York City to visit her son, who was jailed on a drug offense upstate.

That provided the idea for her business ? getting on the buses that took family members to visit their imprisoned loved ones to sell them what they needed: everything from Tylenol and pillows to toothpaste and soap.

To start out, Smalls got $500 from her family and then, in 1998, she obtained a loan from a local development corporation that funded small businesses (she paid back the loan promptly, according to The New York Times).

Today her business,Prisonhelp, is going strong, and when not outfitting upstate visitors for trips, she advises ex-cons on employment, legal and other reintegration issues.?

2.?Vickie Stringer?served a seven-year sentence in Texas for drug trafficking. While there, she wrote a fictionalized autobiography, Let That Be the Reason. After her manuscript was rejected by 26 publishers, she pulled together $2,500 from friends and family to self-publish the book, selling a thousand copies out of the trunk of her car in the first week. When a small publisher gave her a $50,000 advance to release the book, she launched?Triple Crown Publications?in 2002 to help other urban fiction writers get published. The company carries at least 96 titles and has revenues of between $2.5 and $5 million, according to manta.com.

3.?Augustus Turner?of Cleveland, Ohio, spent almost 10 years behind bars after being busted on drug trafficking charges. While in prison, he had a lot of time to think about his dream of creating art. After getting out, he started Masterpieces, an art studio, tattoo shop and silk-screening business on Cleveland?s west side ? and it?s been going strong for more than 11 years. ?What I learned from the streets is how to hustle,? Turner told?The Plain-Dealer?in 2010. ?You can dream. You can pray. It all starts there. But you have to actively make it happen.?

4.?Curtis Jackson, born in Queens New York, and orphaned at age 12, started dealing crack and spent seven months in a juvenile boot camp on gun and weapons charges. After renaming himself ?50 Cent,? he began writing and performing rap songs, landing a deal with Columbia Records in 1999. Since then, he?s released five albums, appeared in multiple films, launched a line of clothing and landed a multimillion-dollar deal with Coca-Cola for his vitamin water, Formula 50.

5.?Anthony DiVincenzo?of Hinckley, Ohio, lost his home and his autobody business in 2005 when he was arrested after an all-night cocaine party. He served three years, but when he got out he couldn?t find a job ? and not because he wasn?t qualified. ?I have a lot of experience, so I was offered $50,000 a couple times from auto dealerships, but as soon as they found out I had a felony, they couldn't walk me out the door fast enough,? he toldThe Plain-Dealer. So in 2008, he started another autobody shop called J.C. Auto Body LLC, before moving into a sales job at a high-end car dealership last year.

6.?Dave Dahl, a former drug dealer, spent more than 15 years in prison. After his release in 2005, he experienced a turnaround, left drugs behind, and went to work in his father's bakery. While there, he developed his own line of breads. Today,?Dave?s Killer Bread, based outside Portland, Oregon, sells in health-food and grocery stores across the northwest and has revived the family business.

7.?Cedric Hornbuckle?served eight years in Texas for drug dealing when he was accepted into the Houston-based?Prison Entrepreneurship Program. After going through PEP?s rigorous training program, in 2008 he founded a moving company,?Moved by Love. ?I always had the [entrepreneurial] mindset; it was just that I used it in bad ways,? he told Portfolio last year. ?I knew all about profit margins and managing people; it?s just [that] what I did was illegal.??

More from The Fiscal Times:

Source: http://www.businessinsider.com/7-ex-jailbirds-who-made-it-big-in-business-2012-3

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Thursday, March 29, 2012

Madonna Set To Score Eighth #1 Album

MDNA will likely sell up to 350,000 copies in its first week, according to Billboard.
By Jocelyn Vena


Madonna's <i>MDNA</i>
Photo: Interscope

Madonna probably doesn't need to stop by any of Piers Morgan's talk shows to sell albums. The Material Girl is poised to have the #1 album on the Billboard albums chart next week.

MDNA is estimated to sell between 300,000 and 350,000 copies by the end of the tracking week (Sunday), according to Billboard. The album, which dropped on March 26, marks Madonna's fifth consecutive studio album to land in the top spot.

She's had a total of eight #1 albums in her career. 2008's Hard Candy, her last studio album, debuted with 280,000 units sold, meaning that Madonna will once again even top herself with MDNA if the numbers shake out as expected.

For the album, Madonna reunited with her Ray of Light producer William Orbit, as well as other electronic-music producers like Martin Solveig and Benny Benassi, creating an album that ranges from hard-hitting dance tracks to lighthearted pop affairs.

Madge's record sales were reinforced thanks to a joint album/ concert-ticket sale venture through which fans were offered the chance to purchase the release along with tickets to her highly anticipated world tour.

But Madonna isn't the only 1980s superstar expected to sit high atop the Billboard 200 next week. Lionel Richie's Tuskegee should place at #2 with 125,000 to 150,000 albums sold. The album features re-workings of some of Richie's biggest tunes with the assistance of country stars like Shania Twain and Blake Shelton. Billboard points out the last time Madge and Richie were in the top five together was in October 1986 when Richie was at #1 with Dancing on the Ceiling while the Queen of Pop's onetime #1 True Blue was settled at #5.

Justin Bieber's own big release, his new single "Boyfriend," which also dropped Monday, is also expected to have a big week on the charts. According to early estimates, the lead Believe single could sell more than 400,000 downloads in its first week, giving it a big push on next week's Billboard Hot 100 chart. This would give the singer his best sales week for a song to date.

Related Artists

Source: http://www.mtv.com/news/articles/1682023/madonna-mdna-album-number-one.jhtml

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Jim Ross weighs in on Yokozuna and sports-entertainment's big men

Andre the Giant is one of WWE's best big men.

What really defines the term ?super heavyweight??

I?ve always been under the mindset that a super heavyweight had to weigh in excess of 300 pounds. As athletes have evolved over the years, perhaps that weight should be moved up considering that I never thought of? 300-pounders like Brock Lesnar and Batista as super heavyweights for some reason.

Andre the Giant was obviously a super heavyweight and likely the best known big man of all time, but Andre, although he wrestled hundreds of bouts, was more of an attraction inasmuch as he never was overexposed on any individual TV broadcast or to any specific grouping of fans. Andre was truly an ?attraction? much like the other individuals of significant size that I?ve seen or read about in my career. (WATCH)

WWE Hall of Famer and former NWA World Champion Harley Race was once the handler/driver for 700-plus pound Happy Humphrey in the ?50s.

Six-hundred pound Bill ?Haystacks? Calhoun was another attraction who performed in every major arena in the world while wearing massive, cutoff bib overalls and coming to the ring barefooted with a horseshoe attached to a chain around his neck. Ironically, many of ?Stacks? adversaries would oftentimes use the chain and the horseshoe to their advantage against the man who was billed as 601 pounds from Morgan?s Corner, Arkansas.

I refereed several tag bouts involving the ?World?s Biggest Twins? ? the 600-plus pound brothers Billy and Benny McGuire. They, like all attractions, would tour and stay in one area for a short time, essentially long enough for the fans in a city to see them once a year.??

So the super heavyweights were essentially ?attractions? ? massive wrestlers who had a limited albeit unique skill sets and who were best marketed if they were not overexposed.

Yokozuna was obviously a super heavyweight, but the former WWE Champion was a ?regular? and not an attraction that became a focal point of WWE in the early to mid ?90s. (WATCH)

The enormous Samoan, whose size would eventually become his enemy, was an extraordinary athlete for a man of any size much less the astonishing weight that he grew to over the years.

For my money, Yokozuna was the greatest super heavyweights of his era and arguably of all time. To carry the mantle of WWE Champion is a massive responsibility and Yoko did it miraculously considering his size that became more of an issue as every year passed.

Source: http://www.wwe.com/classics/jim-ross-big-men

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Kris Humphries Won't Sign Off on Kim Kardashian Divorce

Kris Humphries may only have been married to Kim Kardashian for 72 days, but he apparently thinks the marriage was worth more than his ex-wife is offering him in a divorce settlement.

Source: http://www.ivillage.com/kris-humphries-wont-sign-divorce-kim-kardashian/1-a-439165?dst=iv%3AiVillage%3Akris-humphries-wont-sign-divorce-kim-kardashian-439165

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All businesses need to run with customer service software ...

All businesses need to run as smoothly as possible and when your IT personnel have help desk tools at their fingertips, the job of keeping up with all the minor technicalities of running a small business becomes a lot easier. Helpdesk software is quickly becoming an essential part of every serious business. Normal operations become more fluid and the connectivity of an internal network can be monitored for any glitches that may come up during a period of a particularly heavy workload.

In addition to their common offerings, several free customer service software? offer complementary solutions in the form of asset management, call center administration, and related front and back office solutions.

Aside from providing helpdesk services to external users such as your average consumer, a company or business may also choose to develop an in-house team of contact persons for its employees, to act as points of contact or resources should any issues, concerns, or problems arise with the services or devices made by the company.

Source: http://resonantnetworks.net/content/all-businesses-need-run-customer-service-software

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Three Things To Consider Before Listing As For Sale By Owner ...

Florida Connects ? If you?re looking to sell your Florida home in the near future, you may feel inclined to list it as a For Sale By Owner (FSBO) before working with a Realtor. For many, this is considered one good way to cut back on costs and possibly earn a little more profit on the sale.

However, there are certain aspects you may want to consider before going down this path. Statistically, over 80% of FSBO?s end up being listed with a Realtor at some point. Therefore, it pays to take the time to fully assess whether or not this is the right plan of action for you.

Properly Marketing Your Property

First of all, listing a home for sale in Florida can be a very time consuming and difficult process. Unfortunately, this typically is not as easy as posting a sign in the yard and setting up a classified ad in the local newspaper. There is certainly a lot more than meets the eye.

For instance, many FSBO websites will tout that you can obtain a wide exposure to buyers nationally, but this pales in comparison to the results that you can expect from big named sites like Realtor.com, which only agents can post to.

Next, your agent will have a lot of expertise with implementing online real estate marketing strategies that will gain you a ton of locally targeted searches. And in fact, nearly 90% of all searches for real estate related inquiries start online.

Realtor?s will also have a strong network of both agents and buyers that they work with on a regular basis. This is a business where it pays to network. More contacts equals greater exposure.

Asking Price & Showings

For starters, a lot of FSBO?s will start at the wrong asking price. This is by far one of the most important factors that goes into marketing your Florida home, so you want to do this properly off the bat. But, without being fully invested in your local market and understanding the current trends, it can be difficult to price the home accurately.

As alluded to in section one, selling a home not only in Florida can be a lot of work. Most individuals these days have to juggle a full time job, family obligations, recreational activities, household chores, etc. Where do you find the time for fully investing into the sale as well?

When the opportunity would arise for interested parties to view your property, you would need to schedule individual showings, open houses, inspectors, appraisers, etc., while also trying to stage and maintain your property?s appearance. Miss out on a good opportunity for matching schedules and you can quickly lose interest.

Negotiations & Contracts

If you get to the point where you negotiate with a buyer, it is much more difficult to handle this aspect without a qualified agent. Selling your home in Florida can be a very emotional undertaking, so it is easier to set unrealistic expectations, or to even concede on more than necessary when you don?t have a 3rd party buffer.

During most real estate transactions, both the buyer and seller will typically have a set of concessions and contingencies. For a majority of buyers, they will expect to have some type of a financing, inspection and/or termite contingency.

This is set up for their protection, in order to complete their due diligence on the home before moving forward to closing. If other issues are found, this may even been grounds for further negotiation or eventually walking away from the deal.?Or you will be expected to lower the price, fix the issue or offer a concession on something else in order to alleviate the problem. Likewise, you want to ensure that the buyer is not overstepping their boundaries or that you are pressured into giving away more than is reasonable.

In summary, it?s worth taking the time to carefully consider these 3 areas before making any final decisions. If you still decide to take the FSBO route, we sincerely wish you great success. Also, please feel free to share our information with a friend and to bookmark our page for future reference as well!

Related posts

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Source: http://www.floridaconnectsinc.com/florida-homes-three-things-to-consider-before-listing-as-for-sale-by-owner-fsbo

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Low serum adiponectin levels predict an increased future risk for ...




Low serum adiponectin levels predict an increased future risk for developing asthma in middle-aged women, particularly among smokers, according to a new study. "Adiposity is known to be related to asthma. Although a causal link between adiponectin (a protein produced by adipose tissue) and asthma has been demonstrated in mice, the evidence in humans has been conflicting," said lead author Akshay Sood, MD, MPH, associate professor in the Division of Pulmonary and Critical Care Medicine at the University of New Mexico Health Sciences Center School of Medicine...

Realtime Related Tweets




Source: http://www.kiefit.com/Health_Fitness/future-risk-for-asthma-in-women-may-be-predicted-by-low-serum-adiponectin-levels/

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Wednesday, March 28, 2012

SGP Kuel H10 stylus pen review (or: How I win at Draw Something)

SGP Kuel H10 is a compact, convenient, capacitive stylus for iPhone, iPod touch and iPad. It's made from a special silicon with high polymer abrasion-resistant coating, which SGP says allows for smooth touch and incredible control. In my experience it's the multitouch sensors in iOS devices themselves that are the limiting factor when it comes to any stylus, but SGP has certainly made a pen to be proud of.


Source: http://feedproxy.google.com/~r/TheIphoneBlog/~3/vjG2LoBBaZQ/story01.htm

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Essential Facts About Personal Injury - Home Brewing Wiki

From Home Brewing Wiki

Personal injuries mainly affect the body as well as emotions. The law suits that are filed pertaining to these types of personal injuries are usually sent to a third party who played negligence thus leading to someone to be injured. The law suits filed in legal courts will endeavour to take the individual to the situation they had been in before the injury came about.

Currently there are many kinds of personal injury which could come about with by far the most prevalent really being the highway accident a result of cars. Various other reasons that are typical involve accidental injuries at work places, attacks, falling either at your home or social areas. This may also entail injury to the dental formula. As soon as one has sustained within the previously mentioned circumstances and it can indeed be demonstrated that someone else was liable to a certain degree simply by not playing their part in order to avoid the injury, consequently complaints can be made for someone to be compensated.

In order for one to end up with a productive petition against the offender, it should be proved the individuals were suffering either physically and or psychologically due to another person being negligence. This can be upon a companies property or even when upon another persons property. In some cases the products or services that were bought could be responsible for the injuries consequently requiring one to make a complaint and get compensated.

As a result of various groups of personal injury, one can possibly hire a lawyer who has extensive experience with any one field. For instance there are those that happen to be professionals in health-related areas while some can focus on car collision injuries. So ahead of one looking for the legal representation, try and get the ideal lawyer to file a law suit on your behalf. The main advantage of employing an experienced solicitor in any field is that they are going to have all the interests of the clients covered.

Yet another benefit of getting an expert attorney at law to file personal injury claims is that they will be required to collect each of the obtainable facts within a quicker time period, cope with the businesses that supplied the insurance policy and attempt to get the highest settlements.

Then again it truly is certain the earlier you submit the compensation with regard to personal injury, the more effective it will likely be in your case. In a few state governments there is a limit within which a person must ask to be paid for injuries which ocurred as a result of someone else's mistakes. They are referred to as the statute of limits and are different from one country to the next.

In order to add value to you personal injury, the physicians and attorneys must demonstrate that the harm which you suffered has and will always result in pain from the time of injury as well as in future. When this is certainly shown then you will be compensated highly. This can be in terms of the long term medical costs as well as loss of wages.

For personal injuries that were brought on by flawed products, one has to show that the manufacturers did not take the critical care in creating the proper items that indicated that they were dangerous and then led to injuries. If you do not study the guides instructing the methods to make use of the merchandise, then you'll not be effective in any of the injury settlements.

Source: http://www.homebrewtalk.com/wiki/index.php/Essential_Facts_About_Personal_Injury

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