Sunday, January 27, 2013

A Google Trends Chart For The Word 'Investing' Says It All ...

Are we at the moment where the retail investor is finally going to get into stocks again?

If so, here's a fun chart that might be worth keeping an eye on.

It's a Google Trends search volume chart for the word "investing."

Talk about being in secular decline.

Searchers for the term are about a 3rd as heavy as where they were in 2004. Keep an eye on this one.

And here's one for the term 'Online Trading'

Source: http://www.businessinsider.com/a-google-trends-chart-for-the-word-investing-says-it-all-2013-1

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Saturday, January 26, 2013

13 Secrets the Weight Loss Pros Don't Tell You

?Good Morning America? teamed up with Reader?s Digest on a special series, ?13 Things Experts Won?t Tell You.?

This month, Reader?s Digest unveils the secrets weight loss professionals won?t tell you, like how to maximize your workouts, what may be holding you back from losing weight and how to get the most bang for your buck.

1. Do not arrive at a training session in the following states: a. on an empty stomach, b. coming off a cold/stomach bug, or c. on four hours? sleep. It wastes your time and a personal trainer?s when your body isn?t fueled, hydrated and ready to work.

2. If you find your workouts are getting a little stale, a trainer is a great way to put some pep in your push-ups. If you can?t afford one, get some friends together for a small group session. They cost less per person ? and working out with friends is proven to improve your commitment and overall weight loss.

3. To kick start your metabolism, opt for intervals. In a recent study, women who did 20 minutes of cycling sprints lost three times as much fat as those who cycled slowly and steadily for 40 minutes.

4. When you hit the point where you think you can?t go on, imagine you have a trainer right next to you, cheering for you. Studies show that actively encouraging yourself improves outcomes.

5. You can do OK at the drive thru. There are now some reasonable options if you look for them.? Stay away from anything with the word ?crispy,? steer clear of all mayo-heavy sauces (use mustard instead) and stick to no-fat dressing.

6. Nibble on the move. If you are shopping and fading from hunger, avoid settling in at the food court and, instead, nibble your way through a shopping marathon.? Pick up a snack, such as a hot pretzel, a small bag of roasted nuts from a kiosk or even a chicken taco and nibble on the move.? Portable meals can still weigh you down, so check calorie counts?on your mobile phone before you go.

7. Douse your afternoon slump or hunger pangs with water.? The energy drop that hits in afternoon is likely a combination of perfectly natural factors ? the results of a light lunch, mild dehydration, a momentarily lack of iron or a crash off that coffee you had at the late-morning meeting.? Before wandering to the cafeteria or fridge, start your recovery with a tall glass of water, which boosts your blood flow and, as a side benefit, makes you feel full.

8. It?s hard to win against a cookie. While food is not addictive the way cocaine or alcohol is, there are some uncanny similarities.? When subjects at Monell Chemical Senses Center in Philadelphia were shown the names of foods they liked, the parts of the brain that got excited were the same parts activated in drug addicts.

9. Your bedroom, not the kitchen might be making you fat. Sleep deprivation upsets our hormone balance, triggering both a decrease in the hormone leptin (which helps you feel full) and an increase of the hormone ghrelin (which triggers hunger).? As a result, we think we?re hungry even though we aren?t ? and so we eat.? Sleep may be the cheapest and easiest obesity treatment there is.

10. Your weight really is genetic. When scientists first discovered a gene in certain chubby mice, they called it simply the fatso gene.? Turns out, people with two copies of the gene were 40 percent more likely to have diabetes and 60 percent more likely to be obese than those without it.? Those with only one copy of the gene weighed more too.? But your ?destiny? is no excuse.

11. Ear infections can taint your taste buds. In one study of more than 6,000 people, researchers found that people over age 35 who had suffered several ear infections had almost double the chance of being obese.? Why?? These infections can damage a taste nerve running through the middle ear.? When researchers found the at former ear-infection patients were a little more likely to love sweets and fatty foods, they theorized that the damaged nerve might cause them to have a higher threshold for sensing sweetness and fattiness.

12. Fat might be your mom?s fault. A growing body of science suggests that sugary and fatty foods consumed even before you?re born can mess with your weight.

13. At dinner, make yourself useful serving people and cleaning up.? It gets you away from your plate, but still makes you a vital part of the meal.

*Web Extra Tips: What Your Personal Trainer Won?t Tell You*

  • If you concentrate on the exercise you are doing with the same intensity as talking about the latest gossip about your life, you would find it easier.
  • Trainers know you are eating more than you tell them.
  • It takes more than writing a check or showing up for training sessions to make you fit and healthy. It?s what you do before and after you meet with your trainer, including choices with food, alcohol and workouts, and a commitment to a new lifestyle.
  • Ask you trainer what she or he does to keep educated in the field. An educated trainer will get better results and provide variety to keep you engaged and motivated in your workouts.
  • When you are late, it is a waste of your money, a waste of my time and disrespectful.
  • Trainers see through your stall tactics. ?I think I need to fill my water bottle.? ?Let me get a dry towel real quick.? ?Oh, I need to go to the bathroom again.? Nice try. But you?re paying for the session, so make every minute count.
  • There is a difference between pain and burn, and you need to be honest with your trainer about which you?re feeling. If you push so hard that you injure yourself, you both lose.
  • Whatever the text or email says, it can wait until you?re done with your workout. And no, you cannot text and put forth 100 percent effort at the same time.
  • The trainer does not have time to get sick. Cancel your session if you?re carrying germs.
  • Gear matters. Don?t expect to get maximum performance and results by working out in the ratty gym shoes and shorts you dug out of that old box of college dorm clothes. Invest in a good pair of sneakers. Your feet and joints will thank you, and so will your trainer.
  • Remember that a 30-minute session at max effort is better ? and cheaper ? than 60 minutes of dawdling and half-effort.
  • Stop whining and push through those last few reps.

Source: http://abcnews.go.com/blogs/health/2013/01/25/13-secrets-the-weight-loss-pros-dont-tell-you/

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The 21 Hottest Coffee Shops Across the US: Where to Drink ... - Eater

Here now, Eater National's inaugural Coffee Heatmap from BuzzFeed FWD editor Matt Buchanan. He also makes Vines about coffee.

coffee-heat-map.jpg

hasmap.jpgWelcome to Eater's very first Coffee Heatmap, a guide to the hot coffeebars of the moment. Rather than feature the perennial favorites ? we assume you know which shops sling Stumptown beans ? this guide focuses on places that have opened or been significantly updated mostly in the last six months, a year at most.

A few trends emerge in this inaugural Heatmap: The action right now isn't in Seattle or Portland. (Though there are a few sure-to-be-hot places opening in those locales in the next year.) If a shop doesn't roast its own coffee ? like even the pocket-square-sized Parlor, stuffed in the back of a Williamsburg barber shop ? or furiously rotate between the best coffees from the best roasters all over the country ? like both of LA's new joints G&B and Cognoscenti ? it isn't hot.

And while for the most intensely focused shops, preparing food was seen as an anathema to perfect coffee, no more: St. Louis's Half & Half serves up fried chicken livers, pork-fat loaded burgers; Houston's Blacksmith features a Vietnamese steak & eggs and housemade yogurt; and while Chicago's Gaslight Coffee Roasters is a Serious Roaster, it deploys house-made syrups for its coffees, dispenses duck eggs in two different breakfast dishes and pickles its own veggies. Also flavored syrups ? the Starbucksian kiss of death ? are coming back in a big way, but now they're housemade, artsy, and artisanal.

Happy drinking, and as always, feel free to write in with new suggestions. (Many thanks to Sprudge's Jordan Michelman and local Eater editors for the help in putting this list together.)

Source: http://eater.com/archives/2013/01/25/coffee-heatmap.php

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North Korea threatens war with South over U.N. sanctions

SEOUL (Reuters) - North Korea threatened to attack rival South Korea if Seoul joined a new round of tightened U.N. sanctions, as Washington unveiled more of its own economic restrictions following Pyongyang's rocket launch last month.

In a third straight day of fiery rhetoric, the North directed its verbal onslaught at its neighbor on Friday, saying: "'Sanctions' mean a war and a declaration of war against us."

The reclusive North has this week declared a boycott of all dialogue aimed at ending its nuclear program and vowed to conduct more rocket and nuclear tests after the U.N. Security Council censured it for a December long-range missile launch.

"If the puppet group of traitors takes a direct part in the U.N. 'sanctions,' the DPRK will take strong physical counter-measures against it," the North's Committee for the Peaceful Reunification of Korea said, referring to the South.

The committee is the North's front for dealings with the South. DPRK is short for the North's official name, the Democratic People's Republic of Korea.

The U.N. Security Council unanimously condemned North Korea's December rocket launch on Tuesday and expanded existing U.N. sanctions.

On Thursday, the United States slapped economic sanctions on two North Korean bank officials and a Hong Kong trading company that it accused of supporting Pyongyang's proliferation of weapons of mass destruction.

The company, Leader (Hong Kong) International Trading Ltd, was separately blacklisted by the United Nations on Wednesday.

Seoul has said it will look at whether there are any further sanctions that it can implement alongside the United States, but said the focus for now is to follow Security Council resolutions.

The resolution said the council "deplores the violations" by North Korea of its previous resolutions, which banned Pyongyang from conducting further ballistic missile and nuclear tests and from importing materials and technology for those programs. It does not impose new sanctions on Pyongyang.

The United States had wanted to punish North Korea for the rocket launch with a Security Council resolution that imposed entirely new sanctions against Pyongyang, but Beijing rejected that option. China agreed to U.N. sanctions against Pyongyang after North Korea's 2006 and 2009 nuclear tests.

NUCLEAR TEST WORRY

North Korea's rhetoric this week amounted to some of the angriest outbursts against the outside world coming under the leadership of Kim Jong-un, who took over after the death of his father Kim Jong-il in late 2011.

On Thursday, the North said it would carry out further rocket launches and a nuclear test, directing its ire at the United States, a country it called its "sworn enemy".

U.S. Defense Secretary Leon Panetta said the comments were worrying.

"We are very concerned with North Korea's continuing provocative behavior," he said at a Pentagon news conference.

"We are fully prepared ... to deal with any kind of provocation from the North Koreans. But I hope in the end that they determine that it is better to make a choice to become part of the international family."

North Korea is not believed to have the technology to deliver a nuclear warhead capable of hitting the continental United States, although its December launch showed it had the capacity to deliver a rocket that could travel 10,000 km (6,200 miles), potentially putting San Francisco in range, according to an intelligence assessment by South Korea.

South Korea and others who have been closely observing activities at the North's known nuclear test grounds believe Pyongyang is technically ready to go ahead with its third atomic test and awaiting the political decision of its leader.

The North's committee also declared on Friday that a landmark agreement it signed with the South in 1992 on eliminating nuclear weapons from the Korean peninsula was invalid, repeating its long-standing accusation that Seoul was colluding with Washington.

The foreign ministry of China, the North's sole remaining major diplomatic and economic benefactor, repeated its call for calm on the Korean peninsula at its daily briefing on Friday.

"The current situation on the Korea peninsula is complicated and sensitive," spokesman Hong Lei said.

"We hope all relevant parties can see the big picture, maintain calm and restraint, further maintain contact and dialogue, and improve relations, while not taking actions to further complicate and escalate the situation," Hong said.

But unusually prickly comments in Chinese state media on Friday hinted at Beijing's exasperation.

"It seems that North Korea does not appreciate China's efforts," said the Global Times in an editorial, a sister publication of the official People's Daily.

"Just let North Korea be 'angry' ... China hopes for a stable peninsula, but it's not the end of the world if there's trouble there. This should be the baseline of China's position."

(Additional reporting by Michael Martina in Beijing; editing by Jeremy Laurence and Raju Gopalakrishnan)

Source: http://news.yahoo.com/north-korea-threatens-war-south-over-u-n-084736253.html

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Friday, January 25, 2013

Today in History

Please check the URL for proper spelling and capitalization. If you're having trouble locating a destination on Yahoo!, try visiting the Yahoo! homepage or look through a list of Yahoo!'s online services.

Please try Yahoo Help Central if you need more assistance.

Source: http://news.yahoo.com/today-history-050206767.html

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MP Congratulates Pett Sports Association on Grant to Refurbish ...

January 25, 2013? | ? Posted by : Amber Rudd MP? | ? News,slider ? | ? 0 Comment?

Pett Sports Association will receive ?47,435 to refurbish the sports pavilion at the Recreation Ground at the heart of small East Sussex village, Pett, just outside Hastings. This funding will help deliver new, high quality facilities for the local cricket team, as well as full disabled access and more sustainable heating and power. The pavilion extension will include a new functions room that it is hoped will be used by all members of the local community for social and sporting activities. And as a result, a new junior cricket side will play at Pett for the first time this year.

Local MP, Amber Rudd, said: ?This investment by Sport England into Pett Sports Association as part of our Olympic legacy is fantastic news. Pett has always had a strong sports tradition, and this money will help them expand their cricket and other activities to more people from the village and from the surrounding area, including Ore on the edge of Hastings where I know how great the need is for more activities for young people.?

Pett Sports Association Secretary, Philippa Strickland, said: ?We are delighted to have secured this investment, which means we can upgrade our facilities to meet the ever increasing needs of the local community, especially the young people for whom the cricket club is such an important and positive activity. We still have more funding to raise, but intend to start work on the Pavilion in October, as soon as this new cricket season finishes, and have the new facilities ready for the 2014 season.?

The Inspired Facilities fund is part of the ?135 million Places People Play legacy programme that is bringing the magic of a home Olympic and Paralympic Games into communities across the country. Every sports facility that receives funding will carry the London 2012 Inspire mark ? celebrating the link to the Games.

Sport England?s Chair,Richard Lewis, said: ?This National Lottery investment will create a lasting sporting legacy for East Sussex.

?This fund has really hit the mark with sports clubs in the South East. It shows we?re offering the legacy that people want for their local community. For hundreds of clubs and tens of thousands of people, 2013 will be the year their local sports facilities got better.?

LOCOG Chair, Seb Coe, said: ?This is a fantastic funding project that will deliver a real legacy from the London 2012 Games.? It will provide a whole range of sporting opportunities for young people through improved facilities and will I hope inspire them to take up sport.?

Amber is pictured with members of the Pett Sports Association at the Pavilion.

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Source: http://amberrudd.co.uk/news/mp-congratulates-pett-sports-association-on-grant-to-refurbish-pavilion/

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Gen. Allen's Nomination Back on Track

A day after the Pentagon cleared Gen. John Allen of any wrongdoing in email exchanges with a Tampa socialite, his nomination to take over as NATO's supreme allied commander is back on track.

Currently serving as the top commander of U.S. and NATO forces in Afghanistan, Allen's nomination was placed on hold last November when the Pentagon inspector general began an investigation into his conduct.

White House spokesman Jay Carney said at Wednesday's White House briefing that President Obama has decided to go forward with Allen's nomination.

"The investigation is now complete," said Carney. "We welcome its findings. And, therefore, we intend for the nomination to proceed."

Carney expressed hope that the Senate would consider the nomination "in a timely manner. And you know, we will press the Senate to do just that."

A spokesman for Allen released a statement saying the Marine general "was obviously pleased by the outcome" of the inspector general's investigation.

The Pentagon inspector general investigated whether Allen's email contacts with Tampa socialite Jill Kelley were inappropriate. Kelley was at the center of the scandal that led to the resignation of David Petraeus as CIA director after his extramarital affair with his biographer, Paula Broadwell, came to light.

Kelley had contacted law enforcement to investigate a series of anonymous harassing emails later determined to have come Broadwell. After wrapping its investigation, the FBI referred to the Pentagon 20,000 to 30,000 documents of exchanges between Allen and Kelley that it felt needed further investigation.

Maj. David Nevers said Allen was informed that "the allegations against him were unsubstantiated and did not violate the requirement of exemplary conduct or the prohibition against conduct unbecoming an officer and a gentleman."

According to Nevers, Allen had "placed his faith in and fully supported the investigative process. He's obviously pleased by the outcome."

He described Allen as being "grateful for the support he received throughout this process from his chain of command, friends, family and colleagues. He remains focused, as he has always been, on leading the brave men and women of the ISAF team."

Allen is expected to turn over command of NATO forces in Afghanistan on Feb. 10 to Gen. Joseph Dunford, who has already been confirmed by the Senate.

Also Read

Source: http://news.yahoo.com/gen-john-allen-cleared-nomination-back-track-011805040--abc-news-politics.html

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Controlled crumpling of graphene forms artificial muscle

Thursday, January 24, 2013

Duke University engineers are layering atom-thick lattices of carbon with polymers to create unique materials with a broad range of applications, including artificial muscles.

The lattice, known as graphene, is made of pure carbon and appears under magnification like chicken wire. Because of its unique optical, electrical and mechanical properties, graphene is used in electronics, energy storage, composite materials and biomedicine.

However, graphene is extremely difficult to handle in that it easily "crumples." Unfortunately, scientists have been unable to control the crumpling and unfolding of large-area graphene to take advantage of its properties.

Duke engineer Xuanhe Zhao, assistant professor in Duke's Pratt School of Engineering, likens the challenge of controlling graphene to the difference between unfolding paper and wet tissue.

"If you crumpled up normal paper, you can pretty easily flatten it out," Zhao said. "However, graphene is more like wet tissue paper. It is extremely thin and sticky and difficult to unfold once crumpled. We have developed a method to solve this problem and control the crumpling and unfolding of large-area graphene films."

The Duke engineers attached the graphene to a rubber film that had been pre-stretched to many times its original size. Once the rubber film was relaxed, parts of the graphene detached from the rubber while other parts kept adhering to it, forming an attached-detached pattern with a feature size of a few nanometers. As the rubber relaxed, the detached graphene was compressed to crumple. But as the rubber film was stretched back, the adhered spots of graphene pulled on the crumpled areas to unfold the sheet.

"In this way, the crumpling and unfolding of large-area, atomic-thick graphene can be controlled by simply stretching and relaxing a rubber film, even by hands," Zhao said.

The results were published online in the journal Nature Materials.

"Our approach has opened avenues to exploit unprecedented properties and functions of graphene," said Jianfeng Zang, a postdoctoral fellow in Zhao's group and the first author of the paper. "For example, we can tune the graphene from being transparent to opaque by crumpling it, and tune it back by unfolding it."

In addition, the Duke engineers layered the graphene with different polymer films to make a "soft" material that can act like muscle tissues by contracting and expanding on demand. When electricity is applied to the graphene, the artificial muscle expands in area; when the electricity is cut off, it relaxes. Varying the voltage controls the degree of contraction and relaxation.

"The crumpling and unfolding of graphene allows large deformation of the artificial muscle," Zang said.

"New artificial muscles are enabling diverse technologies ranging from robotics and drug delivery to energy harvesting and storage," Zhao said. "In particular, they promise to greatly improve the quality of life for millions of disabled people by providing affordable devices such as lightweight prostheses and full-page Braille displays."

###

Duke University: http://www.duke.edu

Thanks to Duke University for this article.

This press release was posted to serve as a topic for discussion. Please comment below. We try our best to only post press releases that are associated with peer reviewed scientific literature. Critical discussions of the research are appreciated. If you need help finding a link to the original article, please contact us on twitter or via e-mail.

This press release has been viewed 28 time(s).

Source: http://www.labspaces.net/126438/Controlled_crumpling_of_graphene_forms_artificial_muscle

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Creative Process Involved In Creating An MLM Business Plan | Jim ...

Mistakes Are Costing You! Learn To Stop?Making ALL 189 Of Them!

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Posted by Administrator on Jan 23, 2013 in Uncategorized | Comments Off

This article can help you go from your goal of a bigger network, to reaching ultimate success using multilevel marketing. It is important that you review the information in this article carefully.

Incorporate social networks into your marketing strategies. You should focus your efforts on pages and groups that are specific to your products and customer base. Create separate webpages on social networking sites featuring each one of your products.

When planning for an emergency, take what you spend each month and multiply that by nine. You can use multi-level marketing to build that nest egg and then move on to even greater results!

TIP! You should look at network marketing like it is your business venture. If you do not treat it with respect and take it seriously, then you will fail.

New techniques and information will help your business grow. Be sure to do research and stay up to date on MLM, general business and social media, as well as the latest trends in your specific field. Webinars held by network marketers that are successful are a great way to teach you new information. At a certain point, you can then pass your knowledge on to others as well.

Customers come first when it comes to multilevel marketing. A business with unsatisfied customers will quickly find itself no longer in business. You should aim to listen around 80% of the time and talk for the remaining 20%.

Creating a budget for both your business and personal life is key to becoming a successful network marketer. This can help you to improve the quality of your business and ensure that you have enough resources during the year. A budget is the perfect tool for striking the right balance so that you spend neither too much nor too little.

TIP! You should always encourage the down line to help you communicate and participate. Are they confused and overwhelmed? Do they have some other issue? Get to know the members of your network by encouraging questions and being willing to assist in resolving issues.

Network marketing should be seen as a battle to sign up more people. Focus on different ways that you can help people through your work, then move forward.

Think about paying someone else to carry out your MLM plans and campaigns for you. You might be limited in manpower and resources and this would help with your advertising. This will give you more time for other activities related to your business.

A common multi-level marketing tip that everyone knows but still bears mentioning is to set goals for yourself. Regardless of the specific MLM strategies that you use, you should always have goals that you can meet. Having these goals in front of you will help push you to achieve them.

TIP! Your initial contact with a potential network marketing client might come from a voicemail message, so make sure your outgoing message is used well. Make the message simple, clear and to the point.

When talking with a MLM lead, you should never shake your head. Always nod your head and remain positive. Keep your body language positive too. )

In order to be as successful as you can be with MLM, you have to be open to new ideas. Staying open-minded all the time will allow you to be in a better place to do better business.

TIP! Everybody loves a good deal! Look for a company in network marketing that gives you coupons to distribute to your customers. Coupons are pretty versatile.

Don?t cut corners when you are in the field of multi-level marketing, as this will lead to disaster further down the road. Do not take short cuts, as you will have to put in hard work and effort to succeed at multi-level marketing. Favorable results are only possible through high-quality work.

Be patient if you?ve just started in this type of business. It is not uncommon for some to get discouraged and give up quickly in the beginning. Your first few months are extremely important as to whether your business will succeed or not. You may have a slow beginning, but you will notice your multi-level marketing business slowly gaining speed over time.

Try to avoid distractions that waste your time. The temptation to do things other than work is ever-present when your work is Internet based. Set up a schedule for your work, and focus on meeting your deadlines.

TIP! Network marketing can be a game where you fight to sign up the most people. Instead, look at what you can do to help others, and then work from there.

Construct your site to educate its visitors on your product. By setting up this tutorial, you will not only push more traffic to your website, you will also extend the time users stay there. When you practice these techniques, you will gain new members in your network and increase advertising revenue.

Look to others? success stories as excellent learning opportunities. Look to the organization?s leaders for inspiration and motivation. Find out what works and use it to develop your own network marketing strategy. If you do what they do it can only help you out in the end. Learn from the success of others, and use your mistakes as a learning process.

Be honest about your intentions. Is multilevel marketing a hobby for you? You will be able to determine how much efforts you are ready to put into network marketing if you know what it means to you.

TIP! You should always try and visualize your success when you are dealing with network marketing. It is important to note that your success is directly related to your network size.

Multi-level marketing is a new frontier; don?t get lost before you find success. Use this information wisely, and you could be on your way to becoming a very successful network marketer.

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Source: http://leucabiz.com/blog/creative-process-involved-in-creating-an-mlm-business-plan/

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Washington, D.C.'s Metro transit system proposes $26 billion upgrade

WASHINGTON (Reuters) - Washington, D.C.'s Metro mass-transit system on Thursday proposed a $26 billion expansion through 2040 to help drive economic growth in the U.S. capital and its suburbs.

The proposal presented to the Washington Metropolitan Area Transit Authority's board includes a second tunnel under the Potomac River and a new rail tunnel in the center of the District of Columbia.

"The economy of this region wants to grow and the only way to do that is through transit," Metro General Manager and Chief Executive Richard Sarles told reporters after the meeting.

The new plan does not outline how to fund the upgrade, much of which would take place outside the district in Maryland and Virginia. Those neighboring states have long struggled to come up with means to guarantee long-term funding for public transportation.

Metro receives its budget contributions from the District of Columbia, the federal government, Maryland and Virginia. Its rail system, the second-biggest in the United States, handles some 750,000 riders on weekdays, up about 50 percent since 1990, Metro said in its presentation.

Mortimer Downey, who represents the federal government on the board, called the proposal a good start, but said it needed to be sold to the public and policymakers.

Transit plans "are the sound of one hand clapping. We have to have the support of those making the funding decisions," he said.

Expanding and upgrading the system is crucial to underpinning growth, the plan said. Land within a half mile of Metro rail stations accounts for less than 1 percent of the area's land but absorbed 14 percent of job growth between 2004 and 2010, it noted.

The plan in part calls for a Potomac tunnel to be built between Washington's tony Georgetown district and Rosslyn, Virginia. A second new tunnel would run north-south through central Washington, under the National Mall.

The area is expected to add 1.6 million residents in the next 35 years, Sarles said.

"They have to get around and there is no way they are going to do that without mass transit," he added.

The proposal comes as federal spending on mass transit reaches $10.6 billion this year, almost double the 2000 figure, according to data from American Public Transportation Association.

(Reporting by Ian Simpson, Editing by Gary Crosse and Dan Grebler)

Source: http://news.yahoo.com/washington-d-c-metro-transit-system-proposes-26-213654688--business.html

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Thursday, January 24, 2013

DFAS has 2013 pay and tax change information for DoD personnel ...

Wednesday, January 23rd, 2013

The FY2013 National Defense Authorization Act and the American Taxpayer Relief Act include a number of pay and tax changes that affect Servicemembers and their families and DoD civilian employees.? There has been much media reporting on the effects of the tax bill, but many DoD personnel may be unsure of how the changes in the tax rules and guidelines directly affect them. ?

The Defense Finance and Accounting Service (DFAS) has the information DoD personnel need. ?A DFAS news bulletin summarizes pay changes and the relevant tax law changes and factors that may affect pay.? In addition, it briefly describes when Active duty, Guard, and Reserve members, military retirees, and civilian employees can expect to see changes in their 2013 pay resulting from the new tax law. ?

The bulletin draws particular attention to the increase in the Social Security withholding amount (FICA) to 6.2 percent in 2013 from 4.2 percent in 2012.? It also provides a few examples for servicemembers that show the effects of the FICA increase and the 1.7 percent military pay increase.

DFAS encourages all DoD personnel to review their January statements to see how these changes are reflected in their pay.

Source: http://www.asmconline.org/2013/01/dfas-has-2013-pay-and-tax-change-information-for-dod-personnel-online/

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Forged signatures on auto loan? - The Hull Truth - Boating and ...

Old Yesterday, 10:23 PM

Senior Member

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Join Date: Aug 2010

Location: Pennsylvania

Posts: 1,244


Maybe someone can help ease my mind. My wife and I bought a truck in NJ 21 days ago. We live in PA. My concerns are that we signed paperwork with bank "A" but just received our first months payment from another bank, I will call "B." I'm not very familiar with NJ law and I did sign a limited power of attorney for title transfer. Is it possible they forged my signature on bank B's contract? The finance contract I have clearly states bank A. How else could they process my wife and I with a different bank without our consent? Is there any way I can find ou for sure? It appears the payment is the same for both banks. What gives? Do I have any legal action? Someone with knowledge please chime in!

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Old Yesterday, 10:29 PM

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Join Date: Aug 2010

Location: Pennsylvania

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I've never heard of that on a auto loan. Maybe it's possible? We are talking about 2 well known banks in the North East. Neither have anything to do with each other, based on light research. __________________


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Old Yesterday, 10:40 PM

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Yes bank A does business in my state. I read and re read my contract. It doesn't state anything, anywhere about selling the loan. I suppose if I call either bank I could get the scoop if in fact it was sold. My mortgage has been sold many times, but in all the auto loans I've had I've never seen it.

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Old Yesterday, 10:56 PM

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My guess is they just sent the info to the wrong place. They use many banks.

I'm playing devils advocate here and I'm not trying to argue, however how could bank B accept a contract for bank A?!? I can't imagine the terms and contracts being the same. I'm leaning the side of foul play. Tomorrow I will find out for sure when I call B. __________________


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Old Yesterday, 11:27 PM
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Interesting. Out here (west coast) the standard LAW 553 auto sales contract states the terms, but does not specify the lienholder. The F&I is free to assign the contract to whoever they desire.

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Old Today, 06:24 AM

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Did you get the loan through the dealer? Read the app again it probably allows the dealer to shop and chose the lender. If this is a big concern you are probably better off getting financing outside a dealer.

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Old Today, 06:45 AM

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I did sign a limited power of attorney for title transfer.

Have you carefully read that limited power of attorney document you signed? If not, it may answer your questions.
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Old Today, 06:58 AM

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Have you carefully read that limited power of attorney document you signed? If not, it may answer your questions.

I did. It basically stated it was for title and registration corrections. It mentioned nothing about a bank contract. __________________


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Old Today, 07:01 AM

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I think they just found a different finance company to give them a bigger kickback than the one they told you about. Now if you get two institutions looking for the same payment....
There was a good size car dealer in South Jersey that was pulling all kinds of crap like that until he went to jail.. Shore Motors in Marmora

This is what I am afraid of. I had sold cars years ago. I recall customers returning every so often to re sign with a different lender. Often times it was because the dealer was over the LTV value or the lender requested stipulations like proof of income that couldn't be verified. To my recollection that dealer wouldn't or couldn't just submit a different lenders contract. Hence my confusion. __________________


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Source: http://www.thehulltruth.com/dockside-chat/480343-forged-signatures-auto-loan.html

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Video: Beyonce lip-synced at inauguration

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Source: http://video.msnbc.msn.com/nightly-news/50554771/

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Wednesday, January 23, 2013

What's YOUR Big Idea? - Simple Marriage


Photo courtesy Krikit ???

Late last week I was going through my Google reader and came across a post from Hayden of Through The Illusion. In this post Hayden was reacting to a post she read from Steve Pavlina and his wife?s decision to explore the realm of polyamory in their marriage. For those who not familiar with this term, polyamory is the practice or acceptance of having more than one intimate relationship at a time with the full knowledge and consent of all involved.

Since I had not read Steve?s writing, I headed over to the source to get everything first hand.

It turns out that in his initial post he discloses his intention of focusing on his intimate relationships in 2009 ? namely his desire to no longer limit himself to one person in his intimate relationships. To that end, he introduced the idea of polyamory.

My first thought as I read was that he is tired of his current marriage and he wants to open it up in order to avoid divorce ? a fact he confirms in his next post.

After listening to the latest post, which is a lengthy podcast with both him and his wife, I get the sense that they view the role of their partner as someone to meet each of their personal needs ? and needs that cannot be met by one?s partner become an avenue to expand into other relationships.

On Hayden?s most recent post (very good by the way), Steve commented? ?The truth is that monogamy and polyamory aren?t choices. They?re perspectives. Really, all of us are polyamorous because we all meet certain needs outside of our primary relationship. So strict monogamy is something of a delusion.?

My reactions to Steve?s perspectives prompted me to ask (and answer) the question, ?What?s my big idea about relationships??

Let me explain where I?m coming from. I believe that marriage is designed to grow us up ? to help us become better humans. We are created by God in relationship with Him for relationship with Him and for relationship with others. Our relationship with God matures through our relationships with our spouse and our children, and in turn these relationships mature because of our relationship with God.

Marriage is an excellent example of a relationship with God. We can share everything with God, and to a lesser extent, a spouse. The sacredness of marriage ? emotional, sexual, and spiritual ? is rooted in two people using their connection with one another to push, pull, and prod each into a deeper relationship with God. That?s what makes the marriage relationship so sacred.

The best way to experience God on this earth is in the quality of our human relationships.
~Martin Buber

Marriage is continuously getting dumped on in our society.

In their podcast, they boast about how in their view, being open to the idea of each person getting their intimate needs met outside of the relationship will actually make their marriage stronger. The flaw with this lies in the definition of needs. How do you differentiate between needs, urges, and wants?

In my mind, we have a natural state of being ? that is, the way we exist in nature apart from God. And that natural state of being is unable to be satisfied apart from the Creator?s intention ? which is for us to come into relationship with Him.

Taken straight from Hayden?

So, yes, marriage is inherently imperfect because people are imperfect. But flawed?

Marriage is personal development boot camp. You will demand much from your partner, as they will from you. You will be challenged to open your being in love, even as you are angry. You will be challenged to fully forgive transgressions both major and minor. Your marriage, in short, is the daily practical exercise of the opportunity to be your best self. And what you master at home, you take into the world.

We are all flawed and often seek for others to cover this flaw. In my book, this flaw is called sin. And the only covering for this is Christ alone.

If everyone is special, then no one is.

If I share everything with everyone, then nothing is sacred.

That?s my Big Idea ? What?s yours?

Source: http://simplemarriage.net/whats-your-big-idea/

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Video: Gamers speak out about misperceptions

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Source: http://video.msnbc.msn.com/in-game/50564411/

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Taylor Swift: I'm a Risk-Adverse Sagittarius!

Source: http://www.thehollywoodgossip.com/2013/01/taylor-swift-im-a-risk-adverse-sagittarius/

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NBC/WSJ Poll: Majority Want Abortion Legal In All Or Most Cases ...

Tom Kludt

More than 50 percent of Americans believe abortion should legal in all or most cases while 70 percent want the landmark Supreme Court ruling of Roe v. Wade to be upheld, according to an NBC News/Wall Street Journal poll released Monday night.

Fifty-four percent said abortion should be legal either always or most of the time, marking the first time since the question was included in the NBC/WSJ poll in 2003 that a majority believes it should be legal. Thirty-one percent indicated that abortion should always be legal, while 23 percent said it should be legal most of the time.

The 70 percent who said that Roe should be protected included 57 percent who feel strongly about upholding the decision. Only 24 percent said the decision should be overturned.?

Monday's poll was released on the eve of the 40th anniversary of Roe. A?survey released last week from Pew?showed that a comparably large majority of 63 percent does not want the historic 1973 ruling reversed.?

Source: http://livewire.talkingpointsmemo.com/entry/nbc-wsj-poll-majority-want-abortion-legal-in

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6 Steps To Building Your Real Estate Career | CAREEREALISM

Real Estate CareerYou?ve completed the required training. You?ve successfully passed the tests and paid all of your fees. It?s finally time to begin your real estate career. But where do you begin?

1. Review The Laws

First, check with your local real estate association for specific laws in your state. Although most states require realtors to work in an office under a broker for a set period of time, the laws vary from state to state. If your state requires this, you should find a real estate office that you feel has the same goals, personality, and style that fit you and your vision for your future career in real estate.

2. Get Business Cards

Business cards?are one of the easiest self-promotional items you can have. Order or print about 250 business cards with a professional picture of yourself and your contact information. Hand these cards to everyone you meet, from your child?s teacher to the cashier at the grocery store. Let people know that you?re a real estate professional, you never know when you will find someone looking for a new home.

In addition, some people have found success with sending postcards to friends and acquaintances announcing their new position.

3. Buy Professional Clothes

If you don?t already have them, purchase professional clothing. Always arrive for work appearing clean and professional, since you only get one chance to make a first impression. Keep your car clean as well, since many clients will want to ride with you rather than follow you in their vehicle when they go to see a home for sale.

4. Advertise

Advertise, advertise, advertise. After contacting those you know, many offices will ask you to make cold calls in order to establish a customer base. In addition to cold calling, mail flyers or hang them on door knobs, purchase newspaper space, radio time, and any other type of advertising you can afford. Remember that establishing your customer base can take time, so prepare yourself financially.

5. Hold Open Houses

Volunteer to hold open houses or assist colleagues with showings as much as possible. Some offices also offer certain times when real estate professionals can be the ?realtor of the hour?. During these periods, all incoming calls are forwarded to the realtor on duty. This is a great way to establish new customers, so be sure to take advantage of as much call time as you can.

6. Make Contacts

Not only focus on building your customer base, but your home builder contacts as well. Home builders?are the ones that supply you with homes to sell to those customers. Having a solid relationship with any home builder will help your career in the right direction.

Remember that the real estate market is highly dependent upon our economy. Be patient, determined, and out going in order to obtain success. Your new career can be a bit intimidating at first, but if you jump right in, you will be comfortable in no time.

Photo Credit: Shutterstock

Source: http://www.careerealism.com/real-estate-career/

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Smallest house in Brussels up for auction

BRUSSELS (Reuters) - Cosy might be the best word to describe the smallest house in Brussels, which is about to go up for auction.

The centuries-old former furniture workshop and creperie a stone's throw from the Belgian capital's picturesque central square is just 2.75 meters wide and has a ground floor only 1.75 meters (5 foot 9 inches) across.

"There's a lot of interest and there are also a lot of tourists who want to see it," said Claude Rotsart de Hertaing, a Brussels pensioner who works part time showing prospective buyers around houses.

The dilapidated five-floor Belgian townhouse, just off the central Grand Place square, has "La plus petite maison de Bruxelles" (The smallest house in Brussels) written across a faded wooden sign above the entrance.

It is not Europe's narrowest however, which tourist officials in Slovakia believe could be a 1.3 meter wide house in its capital Bratislava.

The Brussels house, squeezed between a pizzeria and a souvenir shop, has floors each of about 16 meters squared, apart from the ground floor which is even tighter as it has a pathway running to a courtyard down the side.

On one floor it has a potentially inviting fireplace, but you might singe your knees if you sat facing it on an armchair.

The house will be auctioned on February 6, starting at a price of 146,200 euros ($194,700).

($1 = 0.7510 euros)

(Reporting By Ben Deighton)

Source: http://news.yahoo.com/smallest-house-brussels-auction-165235349.html

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Tuesday, January 22, 2013

Video: A series of 'firsts' from Obama's first term

PFT: Colin Kaepernick vindicates Jim Harbaugh

When 49ers coach Jim Harbaugh benched Alex Smith and elevated Colin Kaepernick to the starting job, many proclaimed that anything less than a Super Bowl berth would be evidence that Harbaugh made the wrong decision. Under that standard, Harbaugh knocked it out of the park.

Source: http://video.msnbc.msn.com/hardball/50541865/

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BuyBox Raises $2.3M From Iris Capital And Midi Capital For International Rollout

Screen Shot 2013-01-22 at 11.50.20BuyBox, a social payment solution provider for e-merchants, has secured ? 1.7 million ($2.3 million) from French VCs Iris Capital and Midi Capital to develop its products and roll out internationally. Founded in 2010, Toulouse-based BuyBox principally has French client customers for its SAAS service including Celio, Wonderbox.fr and Micromania, as well as being distributed by partners like Atos Worldline and LaSer, which integrates the service in an offering to e-merchants.

Source: http://feedproxy.google.com/~r/Techcrunch/~3/gz_oy2fZmPk/

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Exit polls: Netanyahu, allies win Israeli election

Israeli Prime Minister Benjamin Netanyahu casts his ballot?together with his wife Sara, left and sons Yair and Avner, background left, at a polling station in Jerusalem, Tuesday, Jan. 22, 2013.?Israelis headed to polling stations Tuesday to cast votes in a parliamentary election expected to return Netanyahu to office despite years of stalled peacemaking with the Palestinians and mounting economic troubles. (AP Photo/Uriel Sinai, Pool)

Israeli Prime Minister Benjamin Netanyahu casts his ballot?together with his wife Sara, left and sons Yair and Avner, background left, at a polling station in Jerusalem, Tuesday, Jan. 22, 2013.?Israelis headed to polling stations Tuesday to cast votes in a parliamentary election expected to return Netanyahu to office despite years of stalled peacemaking with the Palestinians and mounting economic troubles. (AP Photo/Uriel Sinai, Pool)

(AP) ? Israeli Prime Minister Benjamin Netanyahu's Likud Party emerged as the largest faction in a hotly contested parliamentary election on Tuesday, positioning the hard-liner to serve a new term as prime minister, according to exit polls. But a lackluster performance by Likud, along with surprising gains by a centrist newcomer, raised the strong possibility that he will be forced to form a broad coalition.

The exit polls aired on Israel's three major TV stations all forecast Likud along with its traditional hardline and religious allies, capturing a shaky majority of just 61 or 62 seats in the 120-member parliament. With official results trickling in throughout the night, it was possible that the two sides could end in deadlock.

In a statement posted on his Facebook page, Netanyahu said he would reach across the aisle and try to form a broad-based coalition.

"According to the exit polls, it is clear that Israel citizens decided that they want me to continue to serve as prime minister of Israel, and that I form the widest possible majority (coalition)," he said. "Already this evening I will begin working toward the widest possible government."

Such a scenario would have deep implications for Mideast peace prospects. Netanyahu's centrist opponents have said they would not join his government if he does not make a serious push for peace with the Palestinians. Peace talks have been deadlocked throughout Netanyahu's four-year term.

According to the exit polls, Netanyahu's Likud-Yisrael Beitenu bloc captured just 31 seats, far below forecasts of recent opinion polls. The two parties, running separately, had 42 seats in the outgoing house.

In the biggest surprise, the centrist "Yesh Atid," party headed by political newcomer Yair Lapid, captured as many as 19 seats, well above the forecasts. That would position Lapid to become either opposition leader or seek a major Cabinet post if he decides to join Netanyahu's governing coalition.

Lapid campaigned on a platform calling for an end to the generous subsidies and draft exemptions given to ultra-Orthodox Jewish communities. He also has said he would not serve as a "fig leaf" for a hard-line government.

Lapid would likely seek deep concessions for Netanyahu in exchange for joining the government.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/3d281c11a96b4ad082fe88aa0db04305/Article_2013-01-22-Israel-Election/id-6a9facd6f3ca491fa2d9d270fbcfe068

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Video: Evers-Williams: 'Medgar was a fighter'

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Source: http://video.msnbc.msn.com/nightly-news/50539267/

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Monday, January 21, 2013

Web design, Cheap web design, affordable web design blog ...

How to generate Traffic for a Blog Site

Monday, January 21, 2013??? 5:39 am

For you generate traffic for your blog site, it is imperative that you make use of some tactics for internet marketing.? This is what this article would help you understand.? There are so many aspects of traffic generation packages that this article would help you with. This is the reason why we are bringing this online business article to help you get the best.

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Source: http://www.bestwebsitesdesigner.com/web-design/how-to-generate-traffic-for-a-blog-site/

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Important Things About Search Engine Optimization Designed For ...

Sunday, 20 January 2013 14:22

A lot of small businesses nowadays are utilising the world wide web for marketing and Advertising their products and also expertise. There are some that still coach themselves in employing several techniques and strategies to acheive the most out of their companies ? both offline and online. Search engine optimization with respect to small enterprises does not have to become too technical and too costly in the first place. Without aid of a competent SEO service provider, you may first make your web-site seen on the search engines like google while using the most obvious techniques.

You won?t use up all your details in terms of Search engine optimisation. Just by exploring the net, you?ll discover numerous online websites which tackle the various issues which center around search engine ranking. Take away the techie stuff in the moment and focus your self on the real-time necessities of the small business since these truly matter particularly when applying Web optimization solutions.

In regards for you to ultimately comprehend the idea of Search engine marketing and your business, you ought to take a careful look at some of these features:

Acquire clients without having to spend a dollar on advertisements

You can actually obtain potential customers even without having to pay a marketer. Your website and internet pages will get found without paying the search engines. The secrets will be to boost your website employing relevant key terms and by supplying high quality information that the prospects will adore. The search engines will spot how your site is complying with their unique criteria when the bots analyze every single page within your site.

Secure laser targeted customers

In connection to topical keywords and high quality articles, you should concentrate on your small business or market so as to build customer-friendly content. As soon as you present more appropriate posts and keywords, a lot of people will find their way to your internet site since the search engines like google will discover what you are actually delivering for a specified selection of visitors.

Merchandise and Service visibility

Nearly all websites tend to be fighting for those high webpages of the search engine listings, however the vast majority fall short because of the tight levels of competition. you could maximize your company?s rankings with the aid of SEM methods and find out if you?re able to step ahead of your competitors.

Produce buyer morale in addition to gratification

When you?ve got a website that is certainly inside the leading search engine pages of the search engines like bing, individuals will have a notion that you?re an expert in your targeted market. Individuals will find your website and will often return every once in awhile. Because they notice that you?ve a great deal to give them, it is possible that you will convert and produce sales as the trust builds. It?s also likely that your potential customers generate additional buyers right after they discover that you got some thing really desirable to provide.

Better choice and value for your users

Because you don?t really need to pay for space, staff members as well as advertising, you?ll be able to increase your products/services that could surpass buyer anticipations. Your visitors will surely gain benefit from the affordable prices as well as the product solutions that you can offer.

More effective customer support

Your web visitors get the power to get around your website via one web page to the next. And this also lets them access the options which you have offered on the website. Support and help categories are just within reach, which makes shopping online on your site more enjoyable and cozy for the shoppers.

An online business could possibly be demanding at first. But if you know how Web optimization can help you improve all your concerns and get these benefits totally, you will enjoy seo for small enterprise companies such as your own.

Are you searching for an expert web optimization service to take care of your internet requirements, then stop by Atlanta Marketing Minds, the local marketing expert, to find the solution to your most important headache.

Source: http://adsonautopilot.com/important-things-about-search-engine-optimization-designed-for-smaller-businesses

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