lifeline residency: May 2012

Thursday, May 31, 2012

If They Had a Billion Dollars ?

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Michelle Obama: 8 food and garden tips, stories from the First Lady

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Video: Time to Buy RIM on Upgrade?

Alex Gauna, JMP Securities senior research analyst, discusses his outlook on Research in Motion and why he upgraded the company to "market perform".

Wednesday, May 30, 2012

Judge rules nearly finished Tennessee mosque doesn't have permit

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How to Stay Alive When Business Shrinks | Best Outsourcing Partners

You?ve used everything you had to keep going, but it may not be enough. Norm Brodsky weighs in on what to do next.

life saver, close-up

shutterstock images

Norm Brodsky is a veteran entrepreneur.

Dear Norm,

I am the second-generation owner of a wholesale shade-tree nursery that has been in business for 30 years. When we were profitable, we were making more than $500,000 a year. But over the past three years, we have lost more than $300,000 a year, largely because of the downturn in the housing market. I?ve used my equity and retirement savings to keep going. As a result, 80 percent of my net worth is gone. Meanwhile, the bank is threatening to close my line of credit. My CPA thinks we will be OK if we can just hang in for two more years, but if I don?t secure new financing, we won?t make it. I love this work, but I am struggling to see the future. Do I keep going? The economy is improving, but maybe not fast enough. What would you suggest?

?Name withheld

Accountants are historians. They are good at telling you what a company has done in the past, but it?s always dangerous to take a CPA?s business advice going forward. I was concerned that this writer?let?s call him Jim?might make a disastrous mistake based on his CPA?s assurance that he just had to hang on for two years. The CPA, it seems to me, is assuming that the real estate market, and thus the market for trees, will bounce back by mid-2014. That is highly unlikely, in my view, and certainly not something to count on.

After talking to Jim, it wasn?t hard to diagnose his problem: His cash flow from operations is not enough to cover both his operating costs and the annual payments on his debt. Although the company?s sales have improved since bottoming out in 2008, they are still?at $790,000?barely 40 percent of what they were at the height of the housing boom and $400,000 below his breakeven point. Could sales increase enough in the next two years for the business to become profitable? Who knows? There are no large, untapped sources of revenue Jim can go after, and so his fate depends entirely on what happens in the housing market. Meanwhile, he can?t cut operating costs any more than he has. He would thus have to borrow more money to stay afloat while hoping for a miracle rebound in the market. Without one, he could be even worse off in two years than he is today.

I offered Jim an alternative scenario. ?What if this change in your business is permanent?? I said. ?What if you will never get back to the level of sales you had in the past? Maybe you should figure out how to stabilize the business at its current level.? For example, his nursery occupies about 400 acres. He has more land and more trees than he will need even if the housing market recovers completely. I suggested that he run a sale on trees to reduce his inventory and consider selling half his land. He could then use the proceeds of both sales?land and trees?to pay off his debt. His operating costs would be lower after downsizing, and his breakeven point would drop accordingly. ?If your goal is to stay in business because you love it,? I said, ?you?ll be better off cutting back now than floundering for two or three more years, hoping sales will improve. That will do more than eat at your equity. It will eat at your heart.? Jim thanked me and promised to let me know what happens.

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Tuesday, May 29, 2012

Encounter food, do not give yourself too much ideological baggage ...

Good meizitang have passed the national security-related check. I absolutely will not touch, these fried foods first, unhealthy, is the heat is too high, is difficult to digest. Drinks is also the one I will not drink, even when the Chinese New Year dinner instead of wine and drink only tea, and usually go out with friends to select some quiet place to drink tea and chat. In the daily diet, breakfast I will eat a fruit, drink a little milk, plus a small number of other common breakfast, such as cooking it, bread, eggs, you are the most common diet. Lunch diet, but I will add more in the lunch point of vegetable fiber, would be better for the digestive system.
?Good meizitang have met international safety standards and are safe for users.? I will abide by the principles, eat less, eat point, slowly. If the body is telling that I?m full, it will not eat any more. Dinner I would choose to eat some liquid food, drink porridge, soup and the like. Dinner time is very important to have relatively fixed patterns of life, which allows normal body secretion of various types of hormones. My dinner time is 9:30 breakfast, lunch 12:30 dinner at 6:30. Basic touch the very snacks, but will drink a lot of water, so that a better metabolism. Encounter food, do not give yourself too much ideological baggage,
?you can eat, as long as the restraint is like. If there is a meal to eat more and not have to have a guilt. Weight loss is an ongoing process to slow down, do not worry. During the exercise, the movement is still necessary. But I do campaign aimed at two things:? Latest findings have been developed pertaining to good meizitang.?? Energy, better health; let the skin firmer, do not let the fleshy baggy. I never hold the idea of relying on movement to lose weight, make the body more beautiful in my opinion, the Games, but is definitely a temporary solution. And I?m lazy . is not how love sports .
But I do not want to lose weight lose is muscle instead of fat, so I will do a small movement to increase their muscles. My work time is 6:00 pm, I was more to fight people, so under normal circumstances, only about 8:00, give yourself to work. I will be in before 8:00, all the work completed, you can go home after all things aside, satisfied staying hid in their own little world. After returning home, I will carry out a variety of body care, hair care, bath, mask, rub and massage cream. Two Clarins products recommended for everyone, a fiber Yan Firming Cream, a delicate and exquisite body cream.? Drug industry have approved that good meizitang products are safe and effective.
Fiber Yan Firming Cream with perseverance, really thin face Oh . I had a big round face and head as a little Baby of fat, has now become oval face ? delicate and exquisite body cream will make your body The skin becomes smooth, and thin is also helpful for the effect of thin arms and legs still very obvious. However, Clarins products counter is too expensive, so I usually buy on Taobao?s. Coated with thin cream, can do little movement best to find a favorite sport, such as dancing, swimming, playing golf.? We are exerting great efforts to turn our good meizitang slimming store?into trustworthy products.

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Effectiveness Of Keyword Research In Mlm Blogging | mgaray.com

Posted by admin in Internet Marketing on 05 28th, 2012 | no responses

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Effectiveness Of Keyword Research In Multilevel marketing Blogging

Multilevel marketing blogging is becoming popular in the promotion of Multilevel marketing businesses. Multilevel marketing blogging has the benefit of reaching to lots of people without demanding much finances from the blogger. You will find many methods to enhance your Multilevel marketing blog but search engine optimisation is most likely the most widely used and simplest and is accomplished just with the choice and incorporation of the right key phrases. This selection of right key phrases will be achievable through proper keyword research.

Search engine optimisation is a method to market your Multilevel marketing blogs and businesses online. Search engine optimisation generally involves the use of specific key phrases which will generate visitors to the website. Key phrases are terms frequently entered search queries in a variety of search engine sites for example Facebook. Marketers utilize these key phrases in order to lead more Internet users towards the website. This really is accomplished by applying every effort to become on the top of the search engine search engines. This really is preferred so because statistics state that those who use search engines often go simply to the top-most lead to the page. Effectively utilizing search engine optimisation will definitely market your Multilevel marketing business online.

Multilevel marketing is really a marketing method in which the business includes a network of sales reps. These sales reps can also develop a network for his or her downline organization. Sales reps of the multi-level marketing business can get paid out in a number of ways. Most generally, they?re compensated having a commission for his or her retail sales. They can also earn commission from the retail sales of people of the downline organization. Through such plans, sales reps of the Multilevel marketing business can earn a great deal, and much more should they have a larger greater and much more active downline organization. Multilevel marketing businesses offer other compensation plans and rewards because of its marketers, for example cars and cruise ships.

In addition, marketers or sales reps are independent individuals who represent the company through the retail of their products. As pointed out, they earn make money from their sales as well as from those of their downline organization. This only captivated in the marketers a desire to produce a downline organization and expand it in order to yield them more income. They are not only in a position to make money these two techniques, but can also earn through the retail of the company?s products that they are in a position to get their on the job in a cheaper wholesale cost. As the affiliate marketing method is wrongly identified as referral marketing, same with multi-level marketing with network marketing. They?re quite different but regarding their method of marketing are very similar given that they both involved selling products straight to customers, although Multilevel marketing isn?t just limited to such.

The character of multi-level marketing needs a wide and extensive network of personal contacts for you to have the ability to market your products and services as well as possibly recruit as people of the downline organization. If you will be in the business for a relatively good time them you will observe that you have went from market. You will even observe that people will discover it tedious if you sell your products for them again and again again. Such situations demand prospecting and the Internet is becoming a vital tool for Multilevel marketing prospecting.

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Multi-level marketing can be very exciting for beginning entrepreneurs. They could earn money through a number of different ways and may utilize several effective methods to enhance and expand the business. Using the Internet enables you to achieve to a large audience and market your products and services to a lot of new contacts. You may even get to understand people that may become people of the growing downline organization. Furthermore, you will find several great ways to market your Multilevel marketing business online. One such method, using one of the best and affordable, is search engine optimisation.

As described above, search engine optimisation truly does hold a possible of turning your Multilevel marketing business right into a effective one. Your Multilevel marketing blog plays a really important role within this process and should be developed and maintained with the utmost care while benefiting from key phrases. Key phrases are the life blood associated with a Multilevel marketing blog because it determines whether your site will generate traffic or do poorly. Researching the right key phrases can be advantageous for your Multilevel marketing blog and business itself.

Considering a lot of excellent key phrases is the first and many crucial part in keyword research. This is when you devote all of your mind into producing key phrases associated with the character of the Multilevel marketing blog. The key phrases shouldn?t be limited simply to a few because more key phrases associated with your site increase the possibility of it being found on the Web. You?ll want to begin with as lengthy a listing of key phrases as you can develop. It might be greatly hard to examine the lengthy listing of key phrases that you have created. Typing the general term in Google can help you examine these key phrases and discover what are associated and what aren?t because Google readily presents related searches for your query. After effectively selecting the key phrases which have the best likelihood of being looked for, you must then determine the traffic for every keyword. It might be greatly useful if you would know many searches are carried out relating to every keyword. Google Keyword Tool enables you to do this and identify which key phrases to include more inside your Multilevel marketing blog. Finally, don?t overlook the competition for the key phrases. You should then discover how many websites are producing content associated with the key phrases and discover of the way to contend with them If completely overlooked, all of your search engine optimisation efforts is going to be for naught.

Keyword research is crucial to Multilevel marketing blogging and search engine optimisation. Completely studying the right key phrases and determining methods to best use them may either spell the disaster or success of you Multilevel marketing blog. Keyword research allows you know the key phrases which are more often looked and the key phrases that you may connect together with your Multilevel marketing blog. This can also help you organize a method which will work for the Multilevel marketing blog.

Multilevel marketing blogging has undeniably be a trend in present day business industry and online community. To effectively establish an Multilevel marketing blog can boost Multilevel marketing business and is accomplished through proper keyword research.

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Tuna record Fukushima pollution

28 May 2012 Last updated at 22:45 ET

By Jonathan Amos Science correspondent, BBC News

Pacific Bluefin tuna caught off the coast of California have been found to have radioactive contamination from last year's Fukushima nuclear accident.

The fish would have picked up the pollution while swimming in Japanese waters, before then moving to the far side of the ocean.

Scientists stress that the fish are still perfectly safe to eat.

However, the case does illustrate how migratory species can carry pollution over vast distances, they say.

"It's a lesson to us in how interconnected eco-regions can be, even when they may be separated by thousands of miles," Nicholas Fisher, a professor of marine sciences at Stony Brook University, New York, told BBC News.

Fisher and colleagues report their study in the journal Proceedings of the National Academy of Sciences.

They examined the muscle tissues of 15 Bluefin tuna (Thunnus orientalis) taken from waters off San Diego in August 2011, just a few months after the accident at the Fukushima Daiichi nuclear plant.

These were animals whose parents would have spawned in Japanese waters and spent one to two years locally before heading to feeding grounds in the eastern Pacific.

Please turn on JavaScript. Media requires JavaScript to play.

Professor Nicholas Fisher was 'stunned' to find the radioactive signal in bluefin tuna.

All the fish examined in the study showed elevated levels of radioactive caesium - the isotopes 134 and 137.

Caesium-137 is present in seawater anyway as a result of the fallout from atomic weapons testing, but the short, two-year half-life of caesium-134 means the contamination can be tied directly to Fukushima. There is no other explanation for the isotope's presence.

The measured concentrations were about 10 times the total caesium radioactivity seen in tuna specimens taken from before the accident.

As a control, the team also examined Yellowfin tuna, which are largely residential in the eastern Pacific.

These animals showed no difference in their pre- or post-Fukushima concentrations.

The research is likely to get attention because Bluefin tuna is an iconic species and a highly valuable fishery - thousands of tonnes are landed annually.

But consumers should have no health concerns about eating California-caught tuna from last year, the team says.

The levels of radioactivity are well within permitted limits, and below those from other radioisotopes that occur naturally in the environment, such as potassium-40.

"The potassium was about 30 times higher than the combined radio-caesium levels. If you calculate how much additional radioactivity there is in the Pacific Bluefin tuna caught in California relative to the natural background - it's about 3%," said Prof Fisher.

The scientists even calculated how much radioactivity might have been present in the fish before they swam across the Pacific (it would have fallen over time) and figured it could have been 50% above background levels; but, again, this would still have met the legal requirements for safe consumption.

Tuna caught in the coming months will be subjected to new tests. These animals would have spent much longer in Japanese waters and so conceivably could have a very different pollution load.

The team also believes the investigation should be extended to other migratory species that frequent Japanese waters.

Fukushima pollution is potentially a very useful tool to trace the origin and timing of animal movements. The ratio of caesium 134 to 137 could be used like a clock to work out when and how long a particular migration took.

"This information might be useful in conservation efforts or in managing fisheries," said Prof Fisher.

Jonathan.Amos-INTERNET@bbc.co.uk and follow me on Twitter

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California is a Romney home state too

LA JOLLA ? David and Cristina Sear were walking their Doberman pinschers in this seaside neighborhood when a big U-Haul truck pulled up around the corner from the $12-million beachfront home Mitt and Ann Romney had just bought.

The driver could not negotiate the steep turn onto Dunemere Drive, a narrow cul-de-sac with no sidewalks.

"Wouldn't it be funny if Mitt Romney jumped out?" they joked, moments before Romney jumped out of the driver's side of the cab.

"We probably talked for 15 or 20 minutes," David Sear, a financial advisor, recalled recently. "We welcomed him and cautioned him that it was a blue neighborhood. He introduced me to his son Matt, and told me that he had quite a bit of fine art that he was uncomfortable having shipped, so he thought he and his son would spend some father-son time and go on a road trip from Utah to La Jolla."

Since that day a few years ago, the Romneys have become intermittently familiar sights around La Jolla. They have been spotted in shops along Girard Avenue in the Village shopping area; at the Jewel Salon, where Mitt got a $25 haircut in near anonymity; in local restaurants; and at Vons, where real estate agent Sue Nystrom Walsh bumped into Mitt a couple of times.

"He was very nice," she said. "It wasn't any big deal."

Though the Romneys are associated with several states ? Michigan, where they grew up; Massachusetts, where he was governor; New Hampshire, where they own a magnificent lakeside retreat; and Utah, where he led the 2002 Winter Olympics ? the family has multigenerational, if less well known, connections to California.

The presumed Republican presidential nominee spent his freshman year at Stanford, where in 1966 he picketed against a sit-in by demonstrators who opposed the draft.

His mother, the former Lenore LaFount, appeared as a bit player in several Hollywood films and nearly signed an MGM contract that could have paid $50,000 before she was wooed into domesticity by future Michigan Gov. George Romney, whom she met in high school.

In her brief Hollywood career, she was a stand-in for Lily Damita in 1931's "Fifty Million Frenchmen" and played a "chic French girl" in a Greta Garbo film and an "ingenue" in another 1931 film, "A Tailor Made Man," George Romney biographer T. George Harris wrote.

Stung at the thought of losing her, the elder Romney asked his employer, Alcoa, to transfer him to Los Angeles, where he also took night classes at USC, according to Harris, and picked her up at the studio each night.

She didn't like the seedy side of Hollywood and didn't want to have to pose for the cheesecake shots the studio required. But mostly, she fretted for George's male ego. "He'd come out there and didn't want to be known as my date," she told Harris. "In an acting career, I would have been upstaging him, and he couldn't stand that."

One of Mitt's older sisters, Jane Romney, 74, who lives in Beverly Hills and has earned modest success as an actress, said her mother was "unprepared for Hollywood. She was young and raised in a very moral family, and Hollywood was pretty dicey in those days."

In a brief interview, she recalled seeing her mother's screen test when she was a teenager. "She was so very kind of dreamy and wonderful," Jane said.

According to family lore, Jane said, George Romney "followed her out from the East Coast on his white horse and talked her into not signing the contract." She added: "He tried to save me from Hollywood, too, but he wasn't successful." (Jane Romney, who donated $250 to Democratic Sen. Barbara Boxer of California in 1997, has supported her Republican brother's presidential campaign, giving $2,500 in 2011 and $2,100 in 2008.)

George Romney told The Times in 1964 when he was governor of Michigan that he felt at home in Los Angeles because he attended kindergarten there and "had started housekeeping with his wife in Santa Monica." Harris, the biographer, wrote that the Romneys rented a house in downtown Los Angeles, at 21st and Main streets.

The family's more contemporary California connections include a stint by Mitt Romney's eldest son, Tagg, as chief marketing officer for the Dodgers. He left after a season to work on his father's first presidential campaign in 2007.

Two other sons, Matt and Craig, live 20 minutes inland from La Jolla near Rancho Bernardo, where their million-dollar-plus homes are nestled on private streets with heavy wooden gates that bar outsiders. Matt is an executive with Excel Trust, a publicly traded real estate investment trust in San Diego that focuses on retail centers, according to its website. Craig once worked as music producer for a New York ad agency but is now in real estate.

The Romney campaign did not allow any of the Romneys or their associates to speak to The Times about any aspect of the family's life in California. A Romney spokeswoman had asked for a list of questions, and then sent back a statement: "Gov. and Mrs. Romney enjoy the time they are able to spend in California and enjoy spending time with family and friends there. When they are in California, Mrs. Romney takes the opportunity to ride horses as much as possible."

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Spain 'stuck in recession' in second quarter

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TRX Training for our Sailors through the game of racquetball - slask

We?re creating history onboard this vessel, as we have a tendency to promote health and TRX Training for our Sailors through the game of racquetball, said Lt. Cmdr. Steven Harper of Maritime Expeditionary Security Squadron 5 and event organizer. this is often a chance to indicate Sailors a way to play the sport and promote the game within the military, said Alvaro Beltran, the amount four ranked player on the International Racquetball Tour.

Watching Gloria Steed run down Heidelberg?s Hauptstrasse as she trains for the November Athens Classic Marathon, you?d never guess that she?s collaborating in an exceedingly additional serious race a day. Callahan will simply laugh with herself ? seemingly oblivious to the actual fact that Father Time may well be ticking on her athletic career. Her approach to the game, however, remains unchanged as she approaches her 57th birthday.

Your body adjusts to it rather like running, Steed said, you gradually add the miles. whereas she has slowed her pace somewhat to around a 10-minute mile, she hasn?t slowed her life down thanks to her cancer or treatment regime. She even admits to feeling nice when a twenty six.2-mile race run at the slower pace. currently the cancer, an aggressive kind, is back, and thus are the chemotherapy treatments.

TRX Rip Trainer

The Sailors expressed gratitude and admiration for the execs as they, in most cases, received their initial introduction to the sport of Racquetball. it is a terribly difficult sport and it?s an awesome thanks to keep in form, said Seaman Darren Larsen. This was a successful event overall, each in terms of a morale boost for the crew and in promoting the ships continuing commitment to a culture of fitness, said Anne Bolton, BONHOMME RICHARD?s Afloat Recreation Specialist.

We support a range of fitness programs on BONHOMME RICHARD, and this racquetball clinic introduced the crew to an alternate technique of staying in form. it absolutely was an excellent event and it?s awesome that we have a tendency to [BONHOMME RICHARD] were the primary to host such an occasion. The TRX Workouts National Guard member enjoyed the route that TRX the Potomac twice and went along many monuments.

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Parade Picks: Veep, Jack White, Norah Jones, Whatever You Love

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Microsoft's New Terms of Service to Block Class Action Suits

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Source: tech.originalsignal.com --- Sunday, May 27, 2012
Microsoft will be making use of the ruling by the Supreme Court to block class action suits against the corporation. A ruling last year allowed companies to settle complaints with customers on an individual basis, but does not support class action suits by a group of complainants. Microsoft has already begun changing over the user agreements to reflect the new policy. "Our policy gives Microsoft powerful incentives to resolve any dispute to the customer's satisfaction before it gets to arbitration and our arbitration provisions will be among the most generous in the country". Comments ...

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Monday, May 28, 2012

Ford Donation Helps Fight Cancer

Story Published: May 25, 2012 at 5:26 PM MDT

Story Updated: May 25, 2012 at 5:35 PM MDT

BILLINGS - Ford Motor Company makes a big donation to help women protect themselves against cancer.

St. Vincent Healthcare's Mobile Mammography Coach travels throughout eastern and central Montana to provide free mammograms for women in need. Ford gave St. V's $25,000 to support the coach on Friday. The donation will help women who do not have insurance or who are underinsured.

"A lot of women are faced with a decision of putting food on the table or caring for other elements of their family, and so they forego a mammogram. So this is a big deal for us in terms of being able to provide them resources for a mammogram," said David Irion, the president of the St. Vincent Healthcare Foundation.

St. V's provides 13,000 mammograms every year. A quarter of those are done on the mobile coach.

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The New York Times?s Arthur Sulzberger Jr. And The Demise Of Janet Robinson

New York Magazine:

As the paper's stock price has declined in recent years, there has been increasing unease among the Ochs-Sulzberger clan, who control the paper through a special class of shares. Three years ago, facing huge debt problems, the company suspended the lucrative stock dividend that once flowed quarterly to the family's 40-plus members, intensifying the need to solve the intractable advertising problems of the newspaper in the digital age and figure out a way to turn the family's cash spigot back on. Janet Robinson, the company's advertising brains, found herself caught between her increasingly remote boss and a frustrated family ?worried over the future of its 116-year-old fortune.

Read the whole story at New York Magazine

Contribute to this Story:

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The Happiest Countries In The World

24/7 Wall St.:

For the second year in a row, 24/7 Wall St. examined the Organisation for Economic Co-operation and Development?s report on life satisfaction in the developed world. Economic prosperity, health and a strong social support network continue to correspond highly with happiness. Once again, the United States fails to make the top 10 happiest nations in the world, while countries like Australia, Israel and all of the Scandinavian nations do.

Read the whole story at 24/7 Wall St.

Contribute to this Story:

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Sony and Sharp end joint LCD venture

Sony and Sharp announced the end to a partnership formed in 2009, when Sony invested $126 million (?80 billion) in Sharp's LCD display business and received a 7 percent stake in the display manufacturer.

The deal started to go really sour when Sony announced in March that they wouldn't inject any more financing into the venture.

And, by September this year they would decide what the future of the two companies' collaboration would be.

That future turned out to be nonexistent, as Sony announced that they'll sell back their 7 percent at a full refund.

Also in March, just before the Sony/Sharp partnership went south, Sharp announced that the electronics manufacturer Foxconn would purchase a 50 percent stake in Sharp for $809.1 million (?515 billion).

The deal was said to facilitate cost-cutting on LCD screen components through bulk purchases from both companies.

Sharp will reportedly continue making large displays, while Foxconn will still stick to smaller screens.

Sony, the jilted lover?

Sony, meanwhile, under the leadership of new CEO Kaz Hirai, announced that they intend to return to profitability this year after seven straight years in the red.

To that end, Sony announced plans last month to axe 10,000 jobs in an ongoing move to reign in the company's ailing TV business. This is the third such mass exodus Sony's seen since 2005.

And just yesterday TechRadar reported that Sony (and Samsung) have begun enforcing minimum prices on televisions to deter retailers from setting competitive, but loss-making, price points.

Another, more positive rumor whispers of a partnership between Sony and Panasonic to begin producing cheaper OLED TVs.

OLED displays are notoriously expensive, but Sony and Panasonic could combine their substantial know-hows to bring that cost down and pass savings onto consumers.

Via The Verge

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Sunday, May 27, 2012

Community First Credit Union Florida Mortgage Review

Community First Credit Union of Florida has several branches and offers mortgage lending in addition to other consumer lending products.

Community First Credit Union of Florida ? Mortgage Review

According to National Credit Union Administration data, Community First Credit Union of Florida originated over $132 million in mortgages in 2010.

Note: Take a look at our post called the Top 5 Biggest Consumer Complaints!

They are listed as active on the national registry and their primary regulator is the National Credit Union Administration.

Community First Credit Union of Florida Contact Information

Website:
www.communityfirstfl.org

Phone:
(800) 342-8416

Address:
637 N Lee St Jacksonville, FL 32204

Community First Credit Union of Florida Website Review

Reviewed by The Mortgage Insider on May 25th, 2012.

The Community First Credit Union of Florida website has a page for there mortgage products. Right at the top of that page is a link to learn more about the HARP program and they say they are a registered HARP lender. Then, there are additional links to learn more about specific programs. They also have contact info for their loan officers and an online application which they call ?relatively painless? so that is good. Their mortgage rates were posted and current as of today so that is another good thing.

Now it?s your turn?

Our Visitor Company Ratings for Community First Credit Union of Florida

Read ALL the visitor reviews on this company in the comment section below.

If you?ve had personal dealings with this company, tell us about any problems, complaints, or scams?or if your experience went smoothly?tell us that. We would really like to hear your experience, not a rant, so lay out the facts as this is a ?review site?, not a ?complaints? site.

Your review can really help out future readers, so take your time and write as much or as little as it takes to accurately outline your opinion of the company.

Thanks in advance!

Check Out What Others Are Saying...Read Our Top 5 Most Commented Mortgage Reviews!

Author:?Rob K. Blake

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local electrician - Electrical Services In Vaughan By Local Electrician

by electric ald
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local electrician More Details about local electrician here.

Electric power supply is the basic and main needs for everyone from residential as well as commercial perspectives. You can't be assure that everything would be running fine as there are lots of power fluctuation in many parts in Vaughan. In such scenario, local electrician can help you in running each & every electrical equipments smoothly all the time. You should never hesitate to hire them for your home as well as office electrical requirements. As far as official requirements of electrical services are concerned, you should always avail services of a reputed electric contractor who has made well reputation in the market over the time.

Due to sudden fluctuation of electric power supply in Vaughan, it has become essential for all homeowners as well as offices to hire local electrician so that there could be no any kind of electrical disturbances. There are many electrical contractors and their numbers are increasing continuously. You can choose one of the best among them who could provide completely professional services according to your specific needs and requirements; that should be too within your financial budget. You should always do proper enquiries about a local electrician in Vaughan before hiring them. Most of electricians use to promise to their clients that they will provide excellent service as per their specific needs. But you have not to choose them for your home or office on the basis of their sayings only.

If you are going to hire an electrical contractor, you should make sure that they have experienced local electrician who can solve any kinds of electrical problems as per home owners as well as office's needs and requirements. There are many local electricians who provide these services on the individual basis. If you have a small home, it is preferred to hire them instead of a contractor which would be expensive. Electrical contractors are usually well suited for offices' electrical maintenance or for big houses or apartments. You can choose the best one that is appropriate for you.

Being a resident of Vaughan, if you have no any idea of reputed electrical service provider of Vaughan, online resources would be one of the best options for you. There are numbers of websites available over Internet where you can find detailed information about the along with their contact details which include contact number, emails as well as official websites (if they have). This will be very helpful for you in choosing one of the best electrical service providers as per your special needs and requirements.

Electrical D is here for all your vaughan electrical services Whether it's residential, commercial or industrial we do it all. We will help you all your needed electrical work, from pot lights installations to full rewiring. For more information please visit: local electrician

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Keywords: local electrician, vaughan electrical services, Mississauga electrical services, Pot lights

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Big powers slaughter civilians in proxy war for control of Mideast oil

90 killed, including 25 children, in Syria: NGO - Hindustan Times: "Syrian regime forces have "massacred" more than 90 people, including 25 children, in the town of Houla, the Syrian Observatory for Human Rights said on Saturday. Deadly shelling on Friday continued late into the night, the Observatory's Rami Abdel Rahman told AFP. "Many people are?fleeing Taldau village in Houla," the Observatory said, adding that residents feared new attacks on the town, in the central province of Homs."

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Glee Finale: Where to Find Lea Micheles Apple Necklace : InStyle.com What's Rig

On tonight?s?Glee?finale, Rachel Berry?(Lea Michele)?wears a tiny red apple pendant to celebrate her move to New York City?and the design was all Michele?s idea!??Since Rachel?s obsession is to get to New York to start her career, Lea thought why not have her wear a little apple necklace for The Big Apple,??Glee?costume designer Lou Eyrich told InStyle.com.?The red enamel pendant was custom-designed by?Ryan Ryan Jewelry, the same company that created the?star,?Finn,?and??R??pendants that Rachel has worn on the show.?The necklace is available for $215 to $299 on?mcssl.com?in variations of white, rose and yellow gold with red or white enamel. Watch the finale tonight at 9/8c on FOX.

Plus, see?Glee?s best guest stars ever!

? Cheryl Brody Franklin

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Saturday, May 26, 2012

Bud tames to tropical storm off Mexico's coast

PUERTO VALLARTA, Mexico ? Forecasters say the system that was once powerful Hurricane Bud has tamed to a tropical storm as it headed toward a string of laid-back beach resorts and small mountain villages on Mexico?s Pacific coast.

The National Hurricane Center in Miami, Fla., said that maximum sustained winds that were once blowing at 115 mph (185 kph) had slowed to 70 mph (113 kph) Friday night.

The government of Mexico has changed the hurricane warning for the coast of Mexico from Manzanillo to Cabo Corrientes to a tropical storm warning. Hurricane watches were also discontinued.

Forecasters say the storm will continue to weaken and the center will move over land late Friday or Saturday.

Rainfall is expected to accumulate from 6 to 10 inches in many spots.

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The Tribune ? UN Review; India grilled over AFSPA, custodial torture at Geneva

Aditi Tandon, Tribune News Service

New Delhi, May 25. Custodial torture, enforced disappearances and use of the Armed Forces Special Powers Act were the major concerns raised by UN member nations that grilled India yesterday when its national report for the second Universal Periodic Review (UPR) of human rights came up for discussions at Geneva.

Most country representatives asked Attorney General Ghoolam Vahanvati representing India why the government had not? ratified the UN Conventions against torture and enforced disappearances despite positive indications earlier.? Ratification of the Convention against Torture was recommended to India four years ago after its first UPR.? ?That hasn?t happened. Though the Prevention of Torture Bill 2010 was introduced in Parliament,? India?s National Human Rights Commission has in its observations on the country?s second UPR said.

?The Bill was weak. If the Act eventually adopted dilutes the revisions made by a committee of Parliament?s Upper House, it will call into question the government?s commitment to the convention,? it said. Between 2001 and 2010, NHRC reported 14,231 cases of deaths in police and prison custody (1,504 and 12,727, respectively) ? an average of 43 deaths a day.

The Working Group on Human Rights (WGHR) in India and the UN which submitted a parallel report for India?s UPR says that torture is the most widespread in India?s conflict areas and leads to physical, mental disability and impotency.? ?Common methods of torture in Kashmir and the North-East are placement of iron rod on the legs on which many people sit; placement of burning stove between the legs and administration of electric shocks to genitals. A Commission of the ICRC?? confirmed the use of torture in Kashmir,? WGHR report says.

Yesterday, India was reminded of its 2011 promise to ratify the UN Convention on Enforced Disappearances. This recommendation was made after India?s first UPR.? The NHRC report to the UN Human Rights Commission, however, says: ?There is no evidence that the Government intends to ratify the CED.

Enforced disappearance is not codified as a criminal offence in domestic law nor are extant provisions of law used to deter the practice.? The NHRC received 341 complaints of disappearance in 2010, over 400 in 2011. The WGHR report laments enforced disappearances in Kashmir.

http://www.tribuneindia.com/2012/20120526/main7.htm

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With These Tips You Can Succeed At Improving Your Home's Value ...

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If you have a tear in your screen-door or window-screen, here's a quick tip you can use that will save you money. For tears that are small, use a bit of clear nail polish. For a slightly larger tear, apply a bit of cling wrap to each side of the screen. This quick patch will do until you decide to replace the screen.

One energy-efficient improvement you can make to your home is to replace your windows. Older-style single-panel windows don't insulate the inside of your home nearly as well as the newer double-panel style. New windows will increase the aesthetic beauty of your home while saving you money each month in electricity bills.

Hose down your home on the outside using a pressure washer and detergents made specifically for your siding. Pressure washers can be rented quite economically and they do wonders in cleaning the girt off the outside of your home. Be careful around the roof line and windows. You don't want to knock anything loose!

Updating the outside of your house by repainting the exterior or updating the siding is a very cost value added home improvement. It is one of the most effective ways to increase the sale price of your home. By giving your home an exterior facelift you can instantly add more buying appeal to your home.

Sometimes home improvement is necessary for reasons beyond our control. The roof may have been damaged during a storm; the foundation may have developed a crack; or maybe the cold weather caused some pipes to freeze up and burst. Most of the time these are unexpected repairs. Check with your homeowner's insurance to see if the repair is covered.

Have a large bulletin board in your kitchen or living room, where you can write reminders for yourself of things you need to do or bills you need to pay. Emergency phone numbers, contacts, brochures, postcards and notes to yourself, look better arranged on a bulletin board and won't clutter your refrigerator or other appliances.

Having a home is a great opportunity to let your personality shine. More and more people are using home improvement projects to better their existing homes, rather than selling and buying a newer more upgraded property. With the information you have gotten from this article, you should be well on your way to a wonderful remodel.

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Source: With These Tips You Can Succeed At Improving Your Home's Value
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Rating: Not yet rated 1 : Male Menopause: A Phase Which You Should Not Miss

A few facts of male menopause and the symptoms that effect men.

2 : Expert Advice For Easy And Healthy Organic Gardening

Do you prefer organic fruits and vegetables, but balk at the high costs? Do you enjoy doing things yourself rather than paying someone to do a shoddy job? Then why not grow your own organic produce right in your home garden? Read on to find out how to start making your own produce and have fun doing it!

3 : Easy And Fast Organic Gardening Tips For You

Nowadays the need for fresh organic produce is on the rise. The demand for products and treatment leads to some very innovative organic gardening techniques. Now is your chance to find something that works for your organic garden. Here are some tips that you can use to get you started.

4 : How To Effectively Plan In Remodeling Your Home

With your home being the single most expensive thing any of us will probably ever purchase, making changes, improvements or renovations to it can be a scary proposal. What if it goes wrong? What if we make the wrong choices? This article will help you wade through the rights and wrongs with some great tips and ideas for your home improvement projects.

5 : With These Tips You Can Succeed At Improving Your Home's Value

Improving your existing home is now a choice many people are making with a down real estate market. Here is some advice and information you may want to consider when you take on your next weekend project or major remodel project. The more you know, the better the decisions you can make.

6 : Thermal infrared can be a powerful tool

Thermal infrared can be a powerful tool diagnostic process allowing the thermographer to identify
problems at their source.

7 : The Basics When It Comes To Photography

Photography can be a very fascinating hobby, or it can be the route to a career that you love. Either way, it is something that you can enjoy, and it can help you capture some of the best moments in life. This article can help you learn more about photography, whether you just want to take better family pictures or want to become a professional one day.

8 : The Basics When It Comes To Photography

9 : Jewelry Advice And Tips

Many men struggle with the task of finding that perfect piece of jewelry for the girl in their life. The search can be confusing, and knowing what she really wants is sometimes one of the mysteries of the world. In this article, let's discuss a few tips that can help. Guys, read on and get ready to shop!

10 : Things You Need To Know About Jewelry!

Most people love to wear and own fancy jewelry, but not everyone knows how to properly maintain that jewelry. If you don't want to have to replace your jewelry, it's important that you learn how to care for it. This article compiles some advice to give you a starting point on maintaining your jewelry.

11 : Secrets To Muscle Building - It Doesn't Have To Cost A Fortune

It is a great opportunity to know Muscle Gaining Secrets by Jason Ferruggia. The book contains detailed contents that have proven to be beneficial to many users from all over the world.

12 : Ten Techniques for getting the Landscape Geared up for Spring

As all the things starts to turn green yet again, you would possibly truly feel like your yard could use a little of the makeover. By creating enhancements for your yard now, you may reap the advantages of its beauty all through the summer and fall months

13 : Professional Pest Control Solutions for the Home

A house is amongst the most significant investments an individual will make within their life time. Because of this, it is very important to shield that investment in every possible way. Termites and other unwanted pests absolutely are a massive menace to a person's household and ought to be guarded against from the beginning of possessing a home. Pest control options are an extremely important thing for a property owner to be aware of.

14 : How To Locate Cheap CPR Classes

Taking cheap CPR classes can be easy if you are in need of quick certification. Being CPR certified is essential if you work in the medical field or work around children, like in a daycare. If you are not certified, you could either lose your job or have trouble finding one because you do not have that piece of paper that says you have completed a course. This is why it may be a good idea to find a high quality course in your area that you will be able to take for your own benefit when it comes to getting CPR certified.

15 : Single Parents: Learning To Be A Success Story

At this time being a single mother and having to work to makes ends meet yet still carry out your responsibilities as a mom, finding work-life balance can appear nearly impossible. Remember to read the whole article to discover how to achieve the balance you will need as a single mom!

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Cory Booker?s truth ? and its consequences - Washington Post

That is, tell the truth and beware the consequences.

Booker has gained much unwelcome attention from his own political party, while being nearly sanctified by Republicans, for the singular offense of telling the truth.

And then untelling the truth.

And then .?.?. stay tuned.

To know Booker is to like him. He?s one of those political figures whose persona telegraphs ?honest broker.? Educated at Stanford, Oxford and Yale Law School, he?s also a popular mayor in one of America?s toughest, most challenged cities. Open-minded and solution-oriented, he?s what we hope for in public officials. Or say we do.

But honesty is not always a rewarding trait in politics, especially during high-stakes election years, as Booker promptly learned when he recently spoke from the heart on ?Meet the Press.? He said that attacks on Bain Capital, where Mitt Romney made a fortune, were ?nauseating? to him, as were similar attacks from the right to resurrect the Rev. Jeremiah Wright.

?I have to just say from a very personal level, I?m not about to sit here and indict private equity,? Booker said. ?To me, it?s just this ? we?re getting to a ridiculous point in America, especially that I know. I live in a state where pension funds, unions and other people are investing in companies like Bain Capital. If you look at the totality of Bain Capital?s record, it ain?t ? they?ve done a lot to support businesses, to grow businesses.?

Hearts leapt.

While regular folks shielded their eyes from the blinding light of Truth, political operatives left and right shifted into warp speed. Republicans produced an insta-ad capitalizing on Booker?s remarks ? See? Even Democrats dislike President Obama?s attack on Bain ? while their counterparts on the left began launching correctives.

David Axelrod promptly made the rounds and explained to talk show hosts what Booker really meant. (As though Americans can?t understand what they plainly hear.) Others pointed out Booker?s own cozy relationship with equity capital political donors. And Booker, obviously scrambling to recapture favor with the Obama campaign, posted a YouTube video before another sun had set.

What he ?really? meant: ?Let me be clear. Mitt Romney has made his business record a centerpiece of his campaign,? Booker says in the video. ?He?s talked about himself as a job creator. And therefore it is reasonable ? and in fact I encourage it ? for the Obama campaign to examine that record and to discuss it. I have no problem with that.?

Commentators have all cast their ballots as to whether Booker should have corrected himself. Almost unanimously, the answer was no.

Obviously, if you?re a surrogate for the president, as Booker described himself on ?Meet the Press,? your job is to regurgitate talking points. No wandering around the reservation, no independent thinking, certainly no personal confessions. You absolutely do not declare the centerpiece of the president?s attack on his opponent to be ?nauseating.?

Unless it is. And unless it?s true. For you, you know when you?re alone with your conscience. Or having lunch with your private-equity donors, as the case may be. But definitely not while on TV!

On Rachel Maddow?s show, Booker dug a little deeper: ?Obviously, I did things in the ?Meet the Press? interview, as I told you, that did not land the points that I was trying to make. And in some ways, you know, frustratingly, I think I conflated the attacks that the Republicans were making with Jeremiah Wright with some of the attacks on the left. And those can?t even be equated.?

Worse, from the party?s perspective, Booker described himself as an ?independent Democrat.? Oops.

We may like independents in theory, but surrogates don?t get to be independent. You gotta pick one or the other. This has been the immediate lesson for Cory Booker. But the broader lesson for the public is that there?s no space in our body politic for an independent mind, even though more Americans describe themselves as independent than either Democrat or Republican.

Thinking outside the box may solve problems in the real world. But in the political realm, creative noodling will get you cast into the outer darkness. No matter which way you lean, The Machinery requires cogs, not cognizance.

kathleenparker@washpost.com

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Freedom Security Bank owner completes Illinois ... - Business 380

Central Bancshares Inc. of Muscatine, corporate parent of Freedom Security Bank in Coralville and Kalona, has completed its purchase of branches of Associated Bank in Galesburg, Ill., through its F&M Bank subsidiary in the western Illinois community.

Under the purchaase agreement, F&M Bank assumed all of the accounts held at Associated Bank?s offices at 50 E. Main St. and 1865 N. Henderson St.?in Galesburg.?The transaction, which included about?$66 million in deposits and $18 million in loans, was approved by regulators and completed on May 18.

Customer accounts were converted to the bank?s data processing system over the weekend of May 19-20. Terms of the transaction were not disclosed.

With the purchase, F&M Bank continues to be the largest community-based bank in the greater Galesburg market, with $280 million in total assets and serves an estimated 10,000 households and businesses in the Galesburg area.

Central Bancshares also is the corporate parent of Central State Bank in Muscatine and Wilton and West Chester Savings Bank in Washington.

Central Bancshares is one of the largest bank holding companies in Eastern Iowa and west central Illinois. It has more than? $725 million in consolidated assets and? operates 12 full-service offices in seven communities.

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GOP's Rubio plans to sell books in swing states

In this photo taken May 24, 2012, Sen. Marco Rubio, R-Fla. has a conversation just off the Senate floor on Capitol Hill in Washington. Rubio is planning a swing-state summer bus tour that will also roll through South Carolina, the early presidential primary battleground. (AP Photo/J. Scott Applewhite)

WASHINGTON (AP) ? Republican Sen. Marco Rubio of Florida is planning a swing-state summer bus tour that will also roll through South Carolina, the early presidential primary battleground.

It's officially aimed at selling books, not winning votes, but the freshman senator and possible vice presidential pick is set to make multiple stops not just in his home state of Florida but also in North Carolina and Virginia, critical presidential battlegrounds this fall. On the way, he'll make several appearances in South Carolina, where Republicans hold their first-in-the-South presidential primary.

Rubio has been informally auditioning for the traditional vice presidential role as attack dog, recently telling South Carolina Republicans that Americans hadn't seen such a "divisive figure in modern American history" as Democratic President Barack Obama.

The bus tour, set for the week of the Fourth of July holiday, is aimed at promoting his autobiography, "An American Son," to be released in June. The tentative schedule, provided by aides to The Associated Press, calls for Rubio to start the tour in Miami, where he lives, and end in the northern Virginia suburbs outside of Washington, where he works.

The book's cover features Rubio's current title ? "U.S. Senator from Florida" ? but the schedule highlights his national ambitions.

His bus will start in West Palm Beach, Fla., and stop in most of Florida's largest cities. After a stop in Atlanta, it's on to South Carolina, where he'll be in Columbia, the state capital, and Greenville, in the conservative northern part of the state.

Then he'll head to North Carolina, a state Obama won in 2008 but that will likely be closely contested in 2012. He's planning stops in four cities there before taking the bus straight through Virginia's critical swing region, stopping in Norfolk, Richmond and northern Virginia.

Rubio has been steadily raising his national profile, and is also discussed as a potential presidential contender in 2016 if Romney loses this year. He raced to finish his autobiography so it would come out the same day as "The Rise of Marco Rubio," a competing biography written by a Washington Post reporter. Author Manuel Roig-Franzia has already revealed details about Rubio's past, including his childhood stint in the Mormon Church.

Associated Press

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