Saturday, December 29, 2012

Elf for Health ? Being Thankful | Fitnessbuster by Gillian Stephen ...

December 28th, 2012?????? no comments???

Since the 25th of November I have been an elf for health. It?s a 6 week challenge developed by @nutrionella and @LeanGrnBeanBlog where you are paired with another elf, the objective being to support each other in maintaining our health through the holiday period.


There are daily challenges and what I like most about this challenge, is it?covers all areas of your health for example, eating, fitness, being kind to others, taking some time out for yourself etc

?

Every 2 weeks you are paired with a new elf, so I?m now on my 3rd and final elf @ReganJonesRD whilst still in touch with my previous 2 elves. It?s been fun getting to know my elves and all the other elves, we started off around the 600 mark and there are now over 900 of us, not bad going!

?

Source: sphotos-b.xx.fbcdn.net via Grace on Pinterest

?

?

Yesterdays?s challenge was to note down 20 things that we are grateful for. As the image above says, life is not perfect but I?m still grateful for the many blessings that I have. So this challenge was a good way to sit down and take stock.

?

I thought I?d share with you all my top 6:

?

  1. ?Life which enables me to experience all that I am thankful for.
  2. My family. Looking forward to one of my daughters turning 4 years old this Sunday.
  3. ?My awesome friends, a great support network whom I view as family.
  4. ?Good health of me and my family, something not to be taken for granted.
  5. ?A roof over my head.
  6. ?Working in an area that I am truly passionate about.

?

?

?
What are you thankful for in your life right now? Don?t be shy! Thanks for commenting.

?

Source: http://www.fitnessbuster.com/elf-for-health-being-thankful/?utm_source=rss&utm_medium=rss&utm_campaign=elf-for-health-being-thankful

bane Aurora Colorado Rajesh Khanna friday the 13th paulina gretzky paulina gretzky toy story 4

albertehalle: Education & Reference 2016: Petal the Owl Colours ...

Buy on the merchant's online shopping and browse reviews. If you're attempting to search out Petal the Owl Colours with special deals. This is the simplest price for you. Where you'll find these item is by online looking stores? Read the review on Petal the Owl Colours Now, it's the simplest value. Therefore do not lose it.

Petal the
Petal the Owl Colours
Joy Findlay (Author)
4.0 out of 5 stars(3)

Download: $1.99 (as of 12/25/2012 14:14 PST)

Education & Reference

Petal the Owl Colours is a sweet little ebook following Petal the nature owl, as she learns about colours around her. It is a great little first reader ebook for young ones learning their basics. Colours cover Brown, red, orange, yellow, green, blue, purple, pink and white. Ages 3-6.

  • Rank: #1521 in eBooks
  • Published on: 2012-05-04
  • Released on: 2012-05-04
  • Format: Kindle eBook
  • Number of items: 1

Source: http://educationreference234.blogspot.com/2012/12/petal-owl-colours.html

arizona governor patrick witt leprosy tampa bay buccaneers birdman whip it gabby giffords

Source: http://alyeuokbu.posterous.com/education-reference-2016-petal-the-owl-colour

contraband denver vs new england denver broncos vs new england patriots cruise ship sinking vernon davis starship troopers starship troopers

Source: http://gyvupori.posterous.com/education-reference-2016-petal-the-owl-colour

san onofre paula deen birth control recall nick carter leslie carter aaron carter sister pfizer

Source: http://albertehalle.blogspot.com/2012/12/education-reference-2016-petal-owl.html

venus williams Freeh Report direct tv wimbledon ray allen Savages Home Run Derby 2012

Worst CEO of 2012: Best Buy's Brian Dunn | Daily ... - Yahoo! Finance

As 2012 comes to a close, it's that time of year again to list some of the best and worst CEOs over the past 12 months.

Sydney Finkelstein, a professor of management at the Tuck School of Business at Dartmouth and author of ?Why Smart Executives Fail? and ?Think Again," shared his annual "Worst CEOs" list with The Daily Ticker.

Two of the CEOs were so bad they are no longer on the job. For the CEOs who remain on the payroll, watch out. All of the CEOs on Finkelstein?s 2011 list have been shown the door.

While stock price is an important part of Finkelstein's criteria, it is not the only determining factor. The lack of corporate governance also plays an important part.

Without further ado, the top two ?Worst CEOs of 2012? are Brian Dunn of Best Buy (BBY) and Audrey McClendon of Chesapeake Energy Corporation (CHK). Honorable mentions also go to Facebook?s (FB) Mark Zuckerberg and Groupon?s (GRPN) Andrew Mason.

1. Brian Dunn, former CEO, Best Buy (resigned April 2012)

?Brian Dunn...there is really not a lot of great things to say,? says Finkelstein in the accompanying interview. ?You have a company that is in a virtual free fall. The stock is down something like 50% this year; cash is down; EPS is down; same-store-sales are down. You name it?s down.?

Dunn resigned this past spring; during his tenure Best Buy stock has fallen 80% in five years.

The electronics retailer's competitors ? like Amazon (AMZN), Wal-Mart (WMT) and Apple (AAPL) ?have been breathing down its neck for years and Dunn did little to fight back, says Finkelstein. Dunn also deserves blame for not improving Best Buy?s customer service, Finkelstein adds. Dunn also "completely wasted" $6.4 billion in company cash on stock repurchases, says Finkelstein. Dunn was also accused of dating a 29-year-old female employee.

2. Aubrey McClendon, CEO, Chesapeake Energy (resigned as chairman, still CEO)

?Aubrey McClendon is a classic entrepreneur who breaks all the rules,? says Finkelstein.

While he was a visionary in his line of work, he also pushed the envelope when it came to mixing business finances with personal finances. For example, McClendon used the corporate jet for his personal use and he cut a corporate sponsorship deal with a sports team he privately owned.

According to Finkelstein, McClendon's inappropriate behavior includes:

  • Documents reviewed by The Wall Street Journal show that several major Wall Street banks lent McClendon money and then received lucrative work as public-offering underwriters or financial advisers to Chesapeake.
  • Personally borrowed $500 million from EIG Global Energy Partners, which had also been a large financer for Chesapeake. In securing personal loans from his company's business associate, McClendon exposed himself to a potential conflict of interest, as it's reasonable to expect him to feel pressure to serve EIG's interests in future corporate transactions, potentially at the expense of the best interests of shareholders.
  • Reuters exposed a $200 million hedge fund trading oil and gas McClendon ran at the same time he was CEO of Chesapeake -- an obvious conflict of interest.

?Nothing is illegal, everything is disclosed (as far as we know) but it sure doesn?t look good,? says Finkelstein.

3. Andrea Jung, Avon, Chairman of Board (resigned as CEO April 2012)

Andrea Jung of Avon (AVP) made this year?s list of worst CEOs due to a long string of poor performance and her inability to remedy operational issues, says Finkelstein.

Avon?s stock price is down 18% in 2012 and was down more than 80% in the last quarter.

The U.S. Department of Justice and the Securities and Exchange Commission are also looking into Avon's potential bribery of foreign officials. The investigation has been ongoing since 2011 and to date Avon has spent $300 million in legal fees.

4. Mark Pincus, CEO, Zynga

Mark Pincus of Zynga (ZNGA) made the list because of the huge declines in Zynga's stock price.

Zynga?s stock price is down 75% in 2012. Even though the number of users is increasing, the number of paying customers is shrinking, notes Finkelstein.

On top of that, there has been an ?incredible exodus of top executive talent, always one of the biggest warning signs for impending disaster," says Finkelstein.

Another foreboding sign is the fact that the gaming company is dependent upon Facebook for 90% of its revenues.

5. Rodrigo Rato, President, Bankia (Spain)

Rato became the chief executive officer in 2010 and resigned this year after wrongfully promoting the health of the bank and its shares. The Spanish government had to step in and bail out the financial institution.

Tell us what you think!

Who do you think was the worst CEO of 2012? Tell us in the comments section below.

Got a topic you?d like covered? Have a guest you?d like to see interviewed? We?d love to hear from you! Send us an email at thedailyticker@yahoo.com.

You can also look us up on Twitter and Facebook. Follow Aaron Task on Twitter at @aarontask.

Check out these other videos from The Daily Ticker:

January's Highlights (and Lowlights) in Executive Compensation

Footnoted.com: February's Highlights (and Lowlights) in Executive Compensation

March Highlights (and Lowlights) in Executive Compensation

April's Highlights (and Lowlights) in Executive Compensation

Outrageous CEO Compensation: Wynn, Adelson, Dell and Abercrombie Shockers

June's Highlights (and Lowlights) in Executive Compensation

Zynga, Ralph Lauren: Most Outrageous Acts of Corporate America

Source: http://finance.yahoo.com/blogs/daily-ticker/worst-ceo-2012-best-buy-brian-dunn-124535841.html

ufc on fox 2 weigh ins convulsions john tyler chuck elisabeth hasselbeck fran drescher scarlett o hara

Canada dollar at 5-week low as U.S. budget talks struggle

TORONTO (Reuters) - The Canadian dollar ended slightly weaker against its U.S. counterpart on Friday as the White House and U.S. lawmakers made a late attempt to avert the "fiscal cliff" and investors choose safe-havens to wait out the negotiations.

World stocks slipped and the U.S. dollar gained as the deadline looms for reaching a budget deal to avert massive tax increases and spending cuts that could drag the U.S. economy, the destination for most Canadian exports, into recession.

President Barack Obama was not planning to make a new offer to avert the tax hikes and spending cuts that loom on January 1 at a White House meeting with congressional leaders on Friday, a source familiar with the meeting said.

At the meeting, Obama was set to ask lawmakers to hold a vote on a plan that would allow taxes to rise on those who earn $250,000 and up, and that would extend unemployment insurance benefits, according to the source.

"We saw some hint of progress on the fiscal cliff negotiations, a mini deal, and for everyone that is a disappointment," said Adam Button, currency analyst at ForexLive in Montreal.

Commodity-linked currencies like the Canadian dollar tend to benefit when U.S. budget negotiations run smoothly, but when there are snags, investor flows go into the highly liquid U.S. dollar.

The Canadian dollar ended the North American session at C$0.9965 versus the U.S. dollar, or $1.0035, weaker than Thursday's North American session close at C$0.9949 versus the U.S. dollar, or $1.0051.

Earlier in the session the Canadian currency hit C$0.9969, its weakest level since November 23, but seemed bound by a tight range approaching parity with the U.S. dollar.

"The Canadian dollar is once again just above parity and in no rush to go anywhere, which is fitting - we end the year very close to parity because that has been the story day after day in 2012," Button said.

He warned, however, that the final trading day of the year on Monday may bring some volatility as investors square positions.

"Historically, this holiday time is very quiet, but we've had very large moves in the yen and euro, so I would rule out nothing on Monday in terms of substantial moves. Desks are thinly staffed but that hasn't kept markets from moving," he said. "And in this kind of environment, you can't look for moves to make sense - you just have to go with momentum."

Canadian government bond prices were higher across the curve on the flight to safety. The two-year bond was up 1 Canadian cent, yielding 1.132 percent, while the benchmark 10-year bond rose 18 Canadian cents to yield 1.774 percent.

(Additional reporting by Jeffrey Hodgson; Editing by Leslie Gevirtz)

Source: http://news.yahoo.com/canada-dollar-5-week-low-u-budget-talks-213509381--finance.html

Kitty Wells Marissa Mayer Jon Lord Colorado shootings dark knight rises Aurora shooting James Eagan Holmes

Friday, December 28, 2012

Ouya developer console gets an official unboxing, flaunts transparent case (video)

It's a little early for an Ouya teardown, but Kickstarters who chipped in $699 won't have to wait long to see what the little console is made of -- Ouya's developer hardware is transparent. The console's team decided to cut the inevitable march of unboxing videos off at the neck, offering fans a quick preview of the package it's shipping out to devs. The standard accouterments are there -- the tiny console itself, two prototype controllers with batteries, HDMI and power adapters, plus a micro USB cord and a letter to developers thanking them for their investment and warning them of the early build's bugs. The note also cautions deep-pocketed gamers that the device is built specifically for developer use, and has no games to placate eager couch potatoes. The video shows the console booting up, and even demonstrates how easy it is to open the hardware. Skip on past the break to get a glimpse at what early adopters and developers are getting their hands on.

Continue reading Ouya developer console gets an official unboxing, flaunts transparent case (video)

Comments

Source: Ouya

Source: http://www.engadget.com/2012/12/28/ouya-unboxing/

chris brown and rihanna nightline brady quinn brady quinn bloom box fat tuesday obama sweet home chicago

Thursday, December 27, 2012

Cheapest 3 Bedroom Condo for sale on Kauai | Kauai Real Estate

Thinking of relocating to Kauai or maybe you already live here and would like to have more space?? Did you ever think you could find a three bedroom property on Kauai for only $155,000?? That?s right?there is a three bedroom, two bathroom, fee simple condominium currently for sale with an asking price of only $155,000!

Rarely ever available in Lihue Townhouse condominiums, this spacious 3 bedroom, 2 bathroom corner unit with lanai is located on the third floor. The corner unit location is superior to any other with the consistent cross breeze from the tradewinds?amazing airflow throughout!? The unit was recently painted, has a tiled entry and kitchen, and carpet throughout the living area and all bedrooms. There are two large trees just outside the lanai which offer privacy from adjacent units, and there is a distant peek of ocean view.

Lihue Townhouse condominiums have a pool, barbecue area, and assigned parking stall. Conveniently located in the heart of Lihue close to Kalapaki Beach, restaurants, shopping, schools, Wilcox Hospital, and much more! This is only one of eight 3-bedroom units in the entire building and they rarely come on the market.? To arrange a private showing please contact Kymry at 808-635-1490 or via email Kymry@Kymry.com.

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

About the Author

Kymry Perez ,

_$$_

Aloha and welcome! Having lived in Hawaii since 1992 and raising her family here, Kymry is your Kauai relocation expert! Kymry fell in love with the beauty of the Garden Isle, especially its people, and quickly decided Kauai would become her permanent home. Having traveled all over the world as a Flight Attendant for Pan Am, Kymry believes Kauai is the most beautiful, tranquil, place on earth which is why she loves her career in real estate. Being able to share the island she loves so much assisting lifelong residents and also newcomers who are looking to call Kauai home is a dream come true. Kymry has earned several Realtor designations/certifications recognized by the National Association of Realtors: *ABR (Accredited Buyers Representative) *GRI (Graduate Realtor Institute) *SFR (Short Sale & Foreclosure Resource) *e-Pro (RE Technology/Social Media) *AHWD (At Home With Diversity) In April, 2011 she appeared on HGTV's real estate reality show, House Hunters; the first episode ever filmed on Kauai. If you are thinking of buying or selling on the beautiful Garden Island, Kymry works with both Buyers and Sellers island wide. She is committed to the essential principles of honesty, integrity, and confidentiality. Testimonials from her clients reflect her dedication, work ethic, market knowledge, personal attention, and the exceptional service she provides every step of the way and beyond. Kymry is available and ready to assist you in achieving your goals and realizing your island dreams! Call: 808-635-1490 or Email: Kymry@Kymry.com

This entry was posted in Kauai Real Estate Listings, Kauai Real Estate News and tagged cheap 3 bedroom kauai condo, cheap kauai condo, cheap lihue condo for sale, cheapest 3 bedroom condo on Kauai, cheapest kauai condo, cheapest kauai condo for sale, kauai condo deal for sale, kauai real estate, kauai real estate search, kymry, relocating to kauai. Bookmark the permalink.

Source: http://www.kauaireale.com/cheapest-3-bedroom-condo-for-sale-on-kauai

Ebates lotto Illinois Lottery texas lottery Dell Levis Fireman Ed

Commercial Real Estate Can Be Simple By Following These Great ...

Investing in commercial real estate offers a world of opportunities, but in many cases it is well worth the hassle. The potential profit is worth the hard work. Use these tips in this article carefully to help you succeed.

Locate a lender prior to putting in an offer for a commercial property. Talk with your friends and other investors to create a short list of the best lenders in your area. Do some research and have a lender in mind before starting the purchase process. Getting all your ducks in a row can help you get qualified for your loan.

Negotiate, whether you?re the seller or the buyer. Ensure that your opinion is known, and wrangle for the best price you can get on the property.

Make sure you?ll be able to access power, water and other utilities for your commercial property. Look for access to water, electricity, gas an a sewer or anything specific to what you intend to use this property for.

One of the biggest concerns of people involved in commercial real estate is the rise and fall of interest rates. As interest rates move up and down unpredictably, investors leave themselves open to the chance that the rates may suddenly rise dramatically. Keep this in mind when you begin the process of looking at properties, and match them with your long-term goals.

Consider the economy in the area you?d like to buy real estate in before investing there. Properties located near major employers, like hospitals, schools or distribution centers, are often more in demand at every price range.

If you are new to investing, focus on one investment type at a time. Begin by selecting which type of commercial buildings you would most like to purchase and then devote all of your time to those types of properties. You will be more successful if you can give one thing your all, rather than trying to split your attention between multiple things.

When purchasing commercial real estate, it?s important that you understand the property you?re purchasing may be a lifelong investment. Ignoring a property or deciding to wait too long can cause this lifetime to come to an unexpected end, especially if you aren?t willing to pay the fees for proper upkeep over the period of time. It could need a brand new electrical system or an updated roof. Every building will eventually need upgrades and repairs, and some need them more than others. Have long-term plans for handling these repairs.

During the commercial loan process, the person who is the borrower will need to order the appraisal. You?re not going to be allowed to use this later by the bank. Plan for this eventuality and arrange for the appraisal on your own.

Invest in real estate that has a large number of units. With more units, you will give yourself a better chance of realizing a significant profit from your property. Serious investors will not be interested by a building that has less than a dozen units.

You should never underestimate the relationship between you, investors and private lenders when buying commercial real estate. As an example, many commercial properties are often sold before they are listed on the market, so the more people you know, the more access you have to great deals.

Posting a newsletter online, using social media or otherwise staying in touch with previous clients helps investors remember to send new clients your way. Don?t fade online when you complete a deal.

Pay for professional inspections of your commercial property before you put it on the market. If they find anything wrong with the property, you should have it fixed immediately.

Real estate deals must include inspections, so check the credentials of the inspector. Pay particular attention to the credentials of any pest-control experts because many of them are not licensed. You want to avoid a future liability that can come after the sale, if the inspection was not correct.

Be mindful of the environment that your possible property is situated in. Environmental waste, from a previous owner, could become your responsibility to clean up. Is the area around your property prone to flooding? Be sure to consider this issue very carefully. Call some agencies that assess the enviornment and find out what is up with the area your property is in.

Commercial real estate has many brokers to offer. For example, full-service brokers represent both the landlord and tenants. There are also tenant brokers that work exclusively for the tenants. If you hire a broker that only deals with tenants you may be better off, they are more experienced.

The location of the property is the most important factor to consider when investing in commercial real estate. Take the neighborhood of the property into consideration. You also want to look for a neighborhood that is solid and growing. Since you will likely still own the property in ten years, you want it to be located in an area that is likewise still desirable in ten years.

Bear in mind that, with any newly written lease, rent considerations and strategies will be essential to the future of your investment. Don?t enter into discussion with a possible renter without knowing your rental rate. This way, you?ll be better able to project the profit you will likely make by renting to a tenant for a year.

One of the biggest considerations in the process of attaining commercial property is to know the neighborhood of each and every prospective location. Purchasing in an affluent area may help your business to be more successful, since the potential clients may have deeper pockets. However, if you?re offering services that less wealthy people may be more interested in, you probably want to purchase property in a less wealthy area.

Some people consider small apartment complexes more difficult to manage than larger complexes. So if you are planning on investing in commercial apartment properties, experts recommend to avoid property that is under ten units. This general advice may not always apply though. You should decide on buying a property based on your own research.

When faced with the cleaning of your commercial property, there are several tips that can help cut the costs. You should keep in mind that people who own a stake in a property have a direct responsibility to cover its costs of cleanup. Clean up for the space and disposal of waste from the property can cost a great deal of money. Get a report of the environment from a company that specializes in it. While these services are expensive, they may save you money in the long run.

Investors of commercial real estate should be sure to be conscious that drastic inflation is a real possibility in the near future and shouldn?t overlook it when thinking about buying. Many leases used to include clauses to protect investors from inflation that would adjust the lease according to the CPI (Consumer Price Index). This practice is nearly extinct today, which can leave you susceptible to losses that are caused by inflation.

Make sure you understand how much space is really available. There are two ways of measuring commercial real estate property. You can measure in usable square feet to determine the size of the area in which you will conduct business. You can also measure by total square feet for the complete size of the edifice, including areas that will not be in public use. Know how many square feet for both, so that you can can make the process run smoothly.

As previously mentioned, purchasing commercial real estate can be very profitable. The suggestions presented in this article should help you avoid some of the most common pitfalls, and move forward toward success.

You should have all the information you need about Overseas Property, making it possible to continue on without any struggles. As long as you remember this information and actually use it, you?ll find things become easier. This will help you with your present and future happiness.

Source: http://www.davidstanleyredfern.com/general-news/commercial-real-estate-can-be-simple-by-following-these-great-tips-2

Isaac Hurricane earthquake san diego Hurricane Isaac Sam Claflin Tony Farmer West Nile virus symptoms snooki

Article Marketing Success: An Introduction To Internet Marketing

This article is for business owners who are brand new to internet marketing who would like to start marketing their websites in earnest in the New Year.

Perhaps in 2012 you intended to jump into the online marketing pond, but for one reason or another you didn?t undertake things as passionately as you wanted. Maybe you started doing research on the different options for online marketing, but soon felt out of your depth.

I know it can be confusing, especially if you?ve never marketed a website on the internet before. If you feel that way, know that you?re completely normal. It seems like there is a never ending sea of knowledge about SEO and internet marketing, much of it contradictory and changing regularly.

If this is you, I want to help you get a better grip on understanding what is going on when you market your website online and some very user friendly ways to get started. We?ll take a few posts to cover all this information. First let?s start with the bare basics?

Why do you need to market your website?

You might have assumed that creating a website would be the full extent of your online marketing. It?s often portrayed that way?you hear people saying ?set up a website for your business so that you can be found online?.

Actually creating a website is just the first step. It?s rather like opening a brick and mortar store in a remote part of town. People may be interested in what you?re selling and willing to travel to your shop, but unless you market your shop and let people know where it is and what it?s about, you won?t get those customers coming in.

You need to market your website just like you would market a brick and mortar business. Your intention is to ?spread the word? about what your website is about.

Where do your website visitors come from?

They can come from a few places:

1 ? One obvious place is from personal referrals. Maybe you have business cards or perhaps you?ve told people about your website. Being familiar with your business already, they go to your website address to see your site.

This is one of the more minor forms of traffic on the internet, but it?s often the only one that people with offline businesses are aware of.

It is nice to have a website where you can verbally tell people to go to read more about your business, but by and large your website will serve the purpose of attracting people who have never met you and don?t know your business exists.

2 ? Traffic from links on other web pages leading to your website.

Now that you have a website address, you can create links going to your site. A ?link? is basically a form of ?transportation? from one location on the internet to another.

Links play a crucial role on the internet in marketing your website. In marketing your website, you find a way to interact with other people and communities on the internet, and your ?calling card? that lets people know that you were there and how to reach you is provided in the form of a link to your website.

Other website owners can also provide a link to a page on your website to direct their readers to useful or entertaining information there. For example, perhaps they?re writing a blog post on a topic that you also wrote about on your website, and they give a link to one of your web pages so that their readers can go there to find more information on that topic. Or perhaps they were inspired by one of the ideas from your blog and they want to credit you with a link. There are all sorts of reasons why another website owner would link to a web page on your site.

Search engines such as Google also use links as one factor in helping to determine the subject matter and authority of your website, which helps the search engine to properly rank the pages of your website in its search results listings.

For more in depth information on what a link is, please click on these links to two other resources I have on this topic:

What Are Links And How Do You Get Them?

What Can The Movie ?Cast Away? Teach You About Link Building?

What other web pages would be linking to your site?

Links from other pages on the internet can be in the form of free reprint articles (these are the articles that you create when you do article marketing), social media (Facebook, Twitter, etc), forums, genuine blog comments, other website owners linking to your site, and so on.

All of these avenues offer the opportunity to link back to the various pages of your website, and when people read your articles, or look at your (or another person?s) Facebook or Twitter page, or see an answer or question you?ve listed on a forum, or read one of your thoughtful comments on someone else?s blog post, or see your website mentioned on someone?s blog, they can also click a link leading back to your website.

3- Search traffic, such as traffic received from Google, Yahoo, Bing, etc.

Forget about your website for a second?put yourself in the shoes of someone who needs to find something on the internet. The first thing you do is go to a search engine, such as Google. You type in what you?re looking for and execute the search. Google responds by giving you a list of results comprised of various web pages.

Google also has the web pages arranged in a particular order, with the ones most likely to satisfy your need listed at the top.

If your website is listed high in the results list for a query having to do with your niche, you will start getting visitors referred to you from the search engines.

Keeping in mind how many people on the planet ?google? things, you can imagine the volume of potential traffic that could be yours if your website ranked high in a search engine?s results lists. Search traffic offers the most significant traffic potential by far of all the different ways for website visitors to find out about your site.

This is just an introductory lesson on what it means to market your website on the internet. Next time we?ll get more specific, and I?ll answer some common questions that newbies have about doing online marketing.

Post to Twitter Tweet This Post to Delicious Delicious Post to Digg Digg This Post to Facebook Facebook Post to StumbleUpon Stumble This

Source: http://www.submityourarticle.com/creative-article-marketing/article-marketing-success-a-guide-for-newbies-to-internet-marketing/

beverly hilton roland martin whitney houston dead at 48 whitney houston dead 2012 whitney houston passed away heartbreak hotel don cornelius

Wednesday, December 26, 2012

Mobile Health in 2013: The Future of Medicine

Dr. SmartphoneThanks to a boom in digital health, the smartphone has assumed the role of everything from an ever-present fitness coach to FDA-approved heart monitor. And, as consumers move to mobile platforms, surveys show that more people are not only turning to their mobile devices for health information, they?re quickly imbuing the new technology with a great deal of trust (maybe too much trust given the poor quality of many apps currently available). ?A study earlier this month from Royal Philips Electronics found that nearly a third of Americans said they use interactive health applications or symptom checker websites instead of going to the doctor. But as some point out, the adoption of mobile health apps has been uneven, with most consumers gravitating to those for exercise, diet and weight and doctors indicating interest in, but not necessarily widespread adoption of, mobile apps.

Read the full story at Giga OM.

Source: http://www.shellypalmer.com/2012/12/mobile-health-in-2013/

mad hatter azerbaijan ryan howard ps i love you ray charles cheney heart transplant weather san diego

Gifts That Keep Giving (if Not Exploding)

[unable to retrieve full-text content]Today?s science kits lack the free-play style and sometimes dangerous materials of yore, but many argue that they can still spark a lifelong interest in inquiry.

Source: http://www.nytimes.com/2012/12/25/science/science-toys-gifts-that-keep-giving-if-not-exploding.html?partner=rss&emc=rss

man of steel Adrienne Maloof Telemundo real housewives of beverly hills Pink Floyd 12 12 12 Concert miley cyrus

Keen Advice On Commercial Real Estate - Maynas Eric

A compilation of tips, on how you can buy or sell commercial real estate, can help a beginner get into the market. Reading this article will help you become successful with your real estate dealings.

If your plan is to use your commercial properties as rental properties, you should seek buildings of solid and simple construction. Tenants will be more likely to rent space in this type of building, as it looks taken care of. Maintenance is also easier, because these buildings require less repair.

Look for a myriad of financial allies, from family members and friends to professional lenders who can help you come up with the necessary cash to buy commercial real estate. Ensure that the contracts that you enter into have several repayment options available to you, either fixed rate or income percentage.

TIP! Before you invest heavily in a piece of property, investigate the economics of the neighborhood such as unemployment rates, income levels and local businesses. Homes that are located near schools, hospitals and other major employers are assigned a higher resale value.

Advertise your property for sale locally and outside your region. A lot of sellers fall into the misconception that only the local buyers are interested parties in potential purchase. Some private investors will be interested in properties outside of their areas if the price is low.

It is important that your financial records are up to date when you are looking at purchasing commercial real estate. You need financial statements as proof of your financial responsibility as well as of your income. Most banks won?t approve a loan to a borrower who doesn?t provide financial statements; without these statements, it?s difficult for the bank to determine whether you?re likely to pay back the loan.

Do a walk-through and close evaluation of each property you are considering. It may be a good idea to take a professional contractor with you when you check out properties you are interested in purchasing. Make a proposal early, and get into the beginning stages of negotiation. Before you choose, make sure you look over your offers a few times.

TIP! Do not hire a broker without finding out more about their past experience within commercial property. Make sure they are specializing in the desired area that you?re selling or buying in.

Commercial Real Estate

Figure out where you are going to obtain your loan prior to submitting a commercial real estate offer. Communicate with everyone in your network including friends and fellow investors to come up with a brief list of the preferred lenders in your region. Research each lender, and choose one that you think can best help you prior to starting the process of buying commercial real estate. Taking your time to organize your paperwork will help to ensure that you get the loan.

Always think ahead when considering a real estate investment. Ignorance may be bliss at first, but avoiding this fact could mean you lose a lot of money toward property upkeep, wiping out any savings you might have gotten from the initial purchase. The property might need a more modern roof and electrical system. Every building will eventually need to have some work done on it. Plan for these repairs as they will happen in the future.

TIP! Compared with buying a home, purchasing commercial real estate requires more time, money and paperwork. Although commercial property purchases take longer you will normally receive a higher return on the investment.

One prospect investors in the commercial real estate market need to constantly keep in mind is the potential for rampant inflation in the near future. At one time, signers were protected from the effect of inflation by leases that included automatic adjustments based on Consumer Price Index data. This generally doesn?t happen anymore, so unusually high inflation could cause unexpected losses.

Commercial Real Estate

Hopefully this article has given you a more confident perspective on how you can better handle your commercial real estate endeavors. With the collection of tips in here that were constructed in order to help you build on your selling and buying skills, you can become that much more successful with commercial real estate.

TIP! Get yourself set up online before you buy any property. Create a LinkedIn profile or a website.

Source: http://www.maynaseric.com/keen-advice-on-commercial-real-estate-2

jon bon jovi jon bon jovi Kliff Kingsbury Amish Mafia Dave Grohl 121212 Cal State Fullerton

Tuesday, December 25, 2012

Shoppers found bigger sales, smaller crowds

A woman rides the escalator past a giant holiday ornament at the CambridgeSide Galleria mall in Cambridge, Mass., Monday, Dec. 24, 2012. Although fresh data on the holiday shopping season is expected in coming days, early figures point to a ho-hum season for retailers despite last-ditch efforts to lure shoppers over the final weekend before Christmas. And with concerns about the economy and the looming ?fiscal cliff? weighing on the minds of already cautious shoppers, analyst say stores will need to offer ?once in a lifetime? blowouts to clear out inventory. (AP Photo/Michael Dwyer)

A woman rides the escalator past a giant holiday ornament at the CambridgeSide Galleria mall in Cambridge, Mass., Monday, Dec. 24, 2012. Although fresh data on the holiday shopping season is expected in coming days, early figures point to a ho-hum season for retailers despite last-ditch efforts to lure shoppers over the final weekend before Christmas. And with concerns about the economy and the looming ?fiscal cliff? weighing on the minds of already cautious shoppers, analyst say stores will need to offer ?once in a lifetime? blowouts to clear out inventory. (AP Photo/Michael Dwyer)

FedEx courier Andrew Standeven makes last minute deliveries to businesses at the CambridgeSide Galleria mall in Cambridge, Mass., Monday, Dec. 24, 2012. Although fresh data on the holiday shopping season is expected in coming days, early figures point to a ho-hum season for retailers despite last-ditch efforts to lure shoppers over the final weekend before Christmas. And with concerns about the economy and the looming ?fiscal cliff? weighing on the minds of already cautious shoppers, analyst say stores will need to offer ?once in a lifetime? blowouts to clear out inventory. (AP Photo/Michael Dwyer)

FedEx courier Andrew Standeven makes last minute deliveries to businesses at the CambridgeSide Galleria mall in Cambridge, Mass., Monday, Dec. 24, 2012. Although fresh data on the holiday shopping season is expected in coming days, early figures point to a ho-hum season for retailers despite last-ditch efforts to lure shoppers over the final weekend before Christmas. And with concerns about the economy and the looming ?fiscal cliff? weighing on the minds of already cautious shoppers, analyst say stores will need to offer ?once in a lifetime? blowouts to clear out inventory. (AP Photo/Michael Dwyer)

(AP) ? Shoppers who waited until the final days before Christmas were rewarded with big bargains and lighter crowds. But their last-minute deal hunting may hurt stores.

Although fresh data on the holiday shopping season won't be available until Christmas, analysts expect growth from last year to be modest. Several factors have dampened shoppers' spirits, including fears that the economy could fall off the "fiscal cliff," triggering tax increases and spending cuts early next year.

On Christmas Eve, Taubman Centers, which operates 28 malls across the country, reported a "very strong weekend." But many last-minute shoppers in cities including New York, Atlanta and Indianapolis were spending less than they did last year, and taking advantage of big discounts of up to 70 percent that hurt stores' profits.

Kris Betzold, 40, of Carmel, Ind., was out at the Fashion Mall at Keystone in Indianapolis on Monday looking for deals on toys, and said she's noticed the sales are "even better now than they were at Thanksgiving." She said the economy has prompted her and her husband to be more frugal this year.

"We under-budgeted ourselves by $400 for Christmas because we just wanted to put that money back in savings," she said.

Dianne Ashford, 40, was at the Lenox Square Mall in Atlanta on Monday, said she was spending $500 on gifts this year, down from the $1,000 she normally spends.

"Times are hard," said Ashford, who works for a film production company. The best deal she found this year was a guitar for her mother, half off at $79.

Other last-minute shoppers said they were holding off as much as possible for even bigger post-holiday sales.

Chris Ailes, a 37-year-old TV producer, also was at the Lenox Square on Monday to pick up last-minute gifts for his mom and grandmother. With the economy so shaky, he and his family are trying to cut back on spending. So he said he's looking forward to discounts after Christmas.

"That's when the sales are going on," he said.

At Macy's in New York, shopper Maureen Whyte had a similar game plan in mind. Whyte, a 33-year-old who works for an insurance company, was picking up last-minute stocking stuffers for her kids. For some toys, however, she was holding off for the post-Christmas sales and her kids understood why.

"I told them, 'Whatever Mommy didn't get you, you'll get after this week,'" she said, noting that her children, ages 5 and 10, are fine waiting as long as they know they'll eventually get their toys.

That's grim news for retailers, which typically get 40 percent of their annual sales in the critical November to December period. Although the week after Christmas is considered part of the season, by that time retailers are backed into a corner since it's their last chance to get rid of items that have been sitting on shelves for months. The steep discounts during that time mean sales are less profitable.

ShopperTrak, which counts foot traffic and its own proprietary sales numbers from 40,000 retail outlets across the country, last Wednesday cut its forecast for holiday spending down to 2.5 percent growth to $257.7 billion, from prior expectations of a 3.3 percent rise.

Online, sales rose just 8.4 percent to $48 billion from Oct. 28 through Saturday, according to a measure by MasterCard Advisors' SpendingPulse. That is below the online sales growth of between 15 to 17 percent seen in the prior 18-month period, according to the data service, which tracks all spending across all forms of payment, including cash.

Marshal Cohen, chief research analyst at the market research firm NPD Inc., said retailers will have to be more aggressive than usual with discounts in the days after Christmas to get shoppers to spend. That could mean some stores will slash prices by as much as 80 percent to make shoppers believe the sales are a "once in a lifetime opportunity."

"Consumers are going to be rewarded for waiting until after the holidays," he said.

___

Choi reported from New York and Anderson reported from Atlanta.

Tom Murphy contributed to this report from Indianapolis.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/f70471f764144b2fab526d39972d37b3/Article_2012-12-24-Holiday%20Shopping/id-9094aa62a6c9475093c934a2f2c27542

the island president the maldives harper lee mega millions numbers the fray seahawks new uniforms 2012 tornadoes in dallas

Credit Card 101 ? How to Choose a Credit Card ? Bnr.Co

Here are some ideas to maintain in mind when deciding on a credit card. Whilst in the past finding answers to these questions was like decoding a cipher, recent legislation now demands companies to be significantly much more up front than they would be otherwise. Even so, the language can be convoluted, so read the promotional material cautiously.

Type of card:

If you strategy on paying off the balance each month, then a charge card like American Express is greatest. If you require to obtain items now that you can?t afford to pay for in its entirety, a credit card would be the very best choice. And if you just want to transfer the balance of another credit supply, get a card that offers a low interest rate on balance transfers.

Annual Percentage Rate:

The annual percentage rate is what banks charge you for borrowing their cash and is expressed as a yearly rate. Companies are needed to disclose this quantity and it must be on every statement you get. Verify if the rate is fixed (does not change with out your notification) or variable (changes based on simple economic interest rates). Needless to say, fixed interest prices are almost always in your very best interest.

Grace Period:

The grace period is the quantity of time you have to pay your balance in total just before finance charges are added. This applies primarily only if you pay off your balance every month. The grace period begins when the issuer prepares your statement, not when you obtain it in the mail. Nevertheless, they are required to mail your statement 14 days just before the due date. The grace period is typically 25 days but might be shorter, and examine your fine print for some companies can alter the grace period at their discretion.

Costs:

Utilizing a credit card can result in costs beyond the item bought and interest on the amount borrowed. The most typical are application costs, late costs, annual charges, over-the-limit fees, balance transfer fees, money advance costs and finance charges.

How Finance Charges are Calculated:

Whilst interest rates and how finance charges are calculated vary from a single organization to the subsequent, they are all necessary by law to disclose each. Look on the back of your statement for the explanation. The six techniques they calculate finance charges are Adjusted Balance, Typical Everyday Balance, Every day Balance, Double Billing Cycle, Ending Balance, and Previous Balance. The Adjusted Daily Balance method advantages the customer the most.

Credit Limit:

The credit limit is the quantity you can charge to your account. Charge Cards like American Express generally do not have a limit. Credit Cards, on the other hand, have a certain amount and if you exceed it, you can be in for some hefty charges. Credit Card companies like to increase your limit from time to time, but be wary. This tends to simply make you feel richer and a lot more liable to incur a lot more debt.

Finding out about each and every of these elements can be a convoluted mess (often on goal) to untangle. Credit card companies are required by law to inform you of each and every, but the print my be little or in language only a financial guru would realize. If you are unsure of any of these, call the company and ask then get a card tailored to your certain requirements.

Source: http://www.bnr.co/finance-2/credit-tips/credit-card-101-how-to-choose-a-credit-card/

ronda rousey vs miesha tate lindsay lohan snl lindsay lohan on snl real housewives of disney awakenings phantom of the opera agoraphobia

Are Credit Union Personal Loans Better than Bank Loans? | My Debt ...

When you're looking for a personal loan, banks are usually the first option, but credit unions can provide better terms for their members. In fact, more and more people have switched to credit unions in the past years, and this trend seems set to continue, as there are a number of undeniable advantages.

Advantages of Credit Union Loans

Credit union personal loans for bad credit have better interest rates ? and that's the first thing to be said, and one of the most important aspects for people looking to borrow money. This is possible because credit unions are non-profit organizations. They still have to cover some costs, of course, but they're not trying to gain anything from administering their members' money, and therefore they can provide higher rates for deposits and lower rates for loans.

There are fees and commissions to be paid for each transaction, but they are lower than those paid at a bank, on average by about one third. Since these fees add up on the long term, this is also a major issue to be considered when taking a loan.

Also, credit unions often provide better access to financing, even for people with a low credit score. Banks have hard limits and rules in place, and it's very unlikely that they will take their time to understand your particular situation and make an exception for your case ? even when there are reasonable grounds for an exception. Credit unions, on the other hand, have a more flexible approach to this issue, and the staff is often willing to listen to your point of view, and to work with you in order to find the best solution for your current situation.

Advantages of Bank Loans

It may seem like a credit union is always a better option, but that's not entirely true. A lot depends on which union you selected, and on your general relationship with the institution. The first problem with credit union loans is the lack of options: typically, a bank has dozens of different products, but a credit union rarely provides more than one type of each of the major unsecured loans (mortgage, auto, and personal). If flexibility is important to you, this could be a serious drawback. Also, for certain amounts, you may still get a better deal from a bank.

Another problem is the lack of accessibility: banks have hundreds of branches everywhere, there's almost always one within 20 minutes of your location. Also, they have online portals, where you can check your balance, send inquiries, or make payments ? so they're accessible at all times. Credit unions do not have a lot of locations, and are rarely available online, so you have to plan your payments accordingly, which means you will waste a lot of time in the process.

On the issue of services provided, banks and credit unions are tied: banks have more experience and more staff available, so they may be able to help you quicker. Credit unions, on the other hand, offer a more personalized experience, and are often able to understand your individual situation better, since they deal with people in the same category as you.?

Source: http://www.mydebtreliefplan.com/2012/12/are-credit-union-personal-loans-better.html

dr oz serena williams blake lively Espn Fantasy Football Grandparents Day 2012 army wives 60 minutes

Monday, December 24, 2012

Gang rape protesters clash with Indian police

NEW DELHI (AP) ? Police in India's capital used tear gas and water cannons for a second day Sunday in a high-security zone to break up protests by thousands of people demonstrating against the gang rape and beating of a 23-year-old student on a bus.

Police chased angry protesters with batons some of whom fought pitched battles with steel rods and rocks as they tried to get past steel barricades and a wall created by hundreds of policemen to reach the president's mansion to present their demands. "We want justice," they shouted.

Television footage showed that some protesters were injured in the clashes.

The protesters made bonfires and damaged cars and police vehicles.

Police blamed the violence on hooligans. "A peaceful protest by people has been taken over by hooligans," Dharmendra Kumar, a senior police officer, told reporters. He urged people to go home to help police deal with the trouble makers.

The demonstrations continued Sunday despite Home Minister Sushilkumar Shinde promising to consider their main demand for death penalties for all six suspects who have been arrested by police following the Dec. 16 attack.

Shinde said Saturday night that the government was taking steps to better ensure the safety of women.

A group of protesters met Sonia Gandhi, the governing Congress party chief, and her son and lawmaker Rahul Gandhi, on Sunday and demanded a speedy trial of the suspects.

Popular yoga guru Babar Ramdev stood on the roof of a bus and pledged support to the protesters. "The government must set up fast-track courts to punish the offenders in rape attacks," he said.

The attack one week ago has sparked days of protests across the country. The victim is recovering from injuries in a New Delhi government hospital but is still in critical condition.

After battling the protesters throughout the day on Saturday, authorities early on Sunday banned their entry into the high-security zone, which also houses the offices of the prime minister and defense, home and external affairs ministries. Police evicted dozens of protesters who had spent the night there.

However, as groups of protesters marched through the streets of New Delhi and began converging on the high-security area on Sunday, authorities withdrew the ban on the assembly of more than five people there. But it set up barricades to keep them away from the president's residence.

Protesters tried to break the police cordon repeatedly by hurling stones and water bottles and pressing against the steel barricades. Policemen responded by firing tear gas and using water cannons against them. The battle continued throughout the day.

Source: http://news.yahoo.com/gang-rape-protesters-clash-indian-police-134049182.html

Rebecca Soni Snoop Lion London 2012 Table Tennis badminton Dominique Dawes Gabby Olympic Gymnast Robyn Lawley

born leta: Most Popular Diets of 2012 | Health and Fitness ... - Typepad

Most Popular Diets of 2012

Michael Phelps' 12,000-calorie-a-day training diet and Beyonce's maple syrup cleanse may top Google's list of the 10 most-searched diets of 2012, but the popular website Diets in Review.com found that when people want to get serious about weight loss, ?
See all stories on this topic ?

Source: http://health-fitness.holidayinndeals.net/?p=2297

Heptathlon London 2012 shot put London 2012 Track And Field Jordyn Wieber michael phelps Kerri Strug Ledecky

Source: http://gfapenoce.posterous.com/most-popular-diets-of-2012-health-and-fitness

ed reed football schedule jo paterno dead south carolina tuskegee airmen mike james red tails

Source: http://donardsmart.typepad.com/blog/2012/12/most-popular-diets-of-2012-health-and-fitness-gfapenoces.html

Stacy Dash Amber Tamblyn Lilit Avagyan Nashville TV Show VP debate drew brees drew brees

Source: http://born-leta.blogspot.com/2012/12/most-popular-diets-of-2012-health-and.html

transcendentalism bells palsy channel 5 news uc berkeley harrison barnes brett ratner stevie nicks

Source: http://juliabaroso.posterous.com/born-leta-most-popular-diets-of-2012-health-a

breaking bad

Source: http://hardingwayne59.typepad.com/blog/2012/12/born-leta-most-popular-diets-of-2012-health-and-fitness.html

best super bowl ads chrysler super bowl commercial madonna half time show fiat 500 abarth madonna halftime m i a mia super bowl

Dakar mosque lit up for Christmas in Senegal

In this Tuesday, Dec. 11, 2012 photo, people walk past Christmas decorations in Independence Square in central Dakar, Senegal. As Christmas approaches in mostly Muslim Senegal, vendors ply the streets selling tinsel, artificial trees, and inflatable Santas, and the main boulevards are all aglow in holiday lights. Senegal, a moderate country along Africa's western coast, has long been a place where Christians and Muslims coexist peacefully and share in each other's holidays. (AP Photo/Rebecca Blackwell)

In this Tuesday, Dec. 11, 2012 photo, people walk past Christmas decorations in Independence Square in central Dakar, Senegal. As Christmas approaches in mostly Muslim Senegal, vendors ply the streets selling tinsel, artificial trees, and inflatable Santas, and the main boulevards are all aglow in holiday lights. Senegal, a moderate country along Africa's western coast, has long been a place where Christians and Muslims coexist peacefully and share in each other's holidays. (AP Photo/Rebecca Blackwell)

In this Tuesday, Dec. 11, 2012 photo, a pair of women beg outside a pharmacy display window decorated for Christmas, in downtown Dakar, Senegal. As Christmas approaches in mostly Muslim Senegal, vendors ply the streets selling tinsel, artificial trees, and inflatable Santas, and the main boulevards are all aglow in holiday lights. Senegal, a moderate country along Africa's western coast, has long been a place where Christians and Muslims coexist peacefully and share in each other's holidays. (AP Photo/Rebecca Blackwell)

In this Wednesday, Dec. 12, 2012 photo, Christmas lights reading "Welcome to Dakar," light up a highway alongside a mosque in Dakar, Senegal. As Christmas approaches in mostly Muslim Senegal, vendors ply the streets selling tinsel, artificial trees, and inflatable Santas, and the main boulevards are all aglow in holiday lights. Senegal, a moderate country along Africa's western coast, has long been a place where Christians and Muslims coexist peacefully and share in each other's holidays. (AP Photo/Rebecca Blackwell)

In this Wednesday, Dec. 12, 2012 photo, Muslim vendors set up a display of Christmas decorations and inflatable Santas on a street corner in central Dakar, Senegal. As Christmas approaches in mostly Muslim Senegal, vendors ply the streets selling tinsel, artificial trees, and inflatable Santas, and the main boulevards are all aglow in holiday lights. Senegal, a moderate country along Africa's western coast, has long been a place where Christians and Muslims coexist peacefully and share in each other's holidays. (AP Photo/Rebecca Blackwell)

In this Wednesday, Dec. 12, 2012 photo, a girl plays with a glowing ball inside a cone of lights representing a Christmas tree, in central Dakar, Senegal. As Christmas approaches in mostly Muslim Senegal, vendors ply the streets selling tinsel, artificial trees, and inflatable Santas, and the main boulevards are all aglow in holiday lights. Senegal, a moderate country along Africa's western coast, has long been a place where Christians and Muslims coexist peacefully and share in each other's holidays. (AP Photo/Rebecca Blackwell)

DAKAR, Senegal (AP) ? After prayers at the mosque, Ibrahim Lo is off to do some last-minute Christmas shopping. Soon he is eyeing the rows of dolls wrapped in plastic bags on a wooden table as he searches for gifts for his four children.

A bouquet of inflatable Santa toys tied to a nearby tree bobs in the air at this outdoor market in the seaside capital as he makes his picks.

It looks a lot like Christmas in Senegal, where 95 percent of the 12.8 million residents are Muslim. Even the Grande Mosquee, a mosque that dominates the city's skyline, is aglow in holiday lights.

"When they go to school, the children learn about Santa," says Lo, wearing a flowing olive green robe known as a boubou. "We are born into the Senegalese tradition of cohabitation between Muslims and Christians. What is essential is the respect between people."

Senegal, a moderate country along Africa's western coast, has long been a place where Christians and Muslims have coexisted peacefully. Most Christians here are Catholic and live in the south of country and in the capital.

Hadim Thiam, 30, normally sells shoes but during December he's expanded to an elaborate spread of tinsel, cans of spray snow and fireworks.

"It's not linked to God. It's for the children," says Jean Mouss, 55, a Christian out shopping for holiday decorations at Thiam's stand. "We wish Muslims a Merry Christmas and invite them into our homes for the holiday."

Signs of Christmas are prevalent in this tropical seaside capital.

Green and flocked plastic trees of every size are sold on street corners alongside Nescafe carts and vendors splitting open coconuts. "My First Christmas" baby sleepers are folded neatly on the top of the piles of second-hand clothing for sale on the streets. There are French "buches de Noel" and chocolate snowmen for sale in the upscale patisseries.

At lunchtime, a chorus of schoolchildren singing "Silent Night" echoes across a courtyard. The main cathedral is now a spectacle of lights each night ? no easy feat for a city often subjected to power cuts.

Still, not everyone in Senegal thinks embracing Christmas is all in good cheer. Mouhamed Seck, a Quranic teacher and imam for a mosque in a Dakar suburb, says taking part in the holiday is supporting a non-Muslim's religion.

"Islam forbids Muslims from taking part in these festivities," he says.

Parents who celebrate Christmas, though, say it's a secular time to celebrate with their families on a national holiday.

"To make my two children happy, I buy gifts for them and ask their mother to prepare a very hearty meal but we don't go to Mass," says Oumar Fall, 46, who has a 10-year-old and a 13-year-old.

Santa Claus, known in this former French colony as Pere Noel, also makes the rounds at upscale shopping centers and grocery stores in the weeks before Christmas.

Mamadou Sy, 40, had been working at a hotel in Morocco until his visa recently expired. Now back in Senegal, he's making extra money this December as a Santa at the seaside Magicland amusement park.

Like children everywhere, some are frightened by him, but most just want pictures ? and presents.

"Senegal is a unique case where 5 percent of the country is Christian," he says, seeking shade while wearing his red fur costume and hat. "Christians celebrate Muslim holidays and Muslims celebrate Christian holidays."

The tradition even extends to Senegalese schools. Therese Angelique Soumare's students all get together for a Christmas party the weekend before the holiday with their parents. The teachers put presents under a tree and Santa Claus shows up to hand them out.

"Everyone celebrates because it's for the children. Here in Senegal we are good neighbors," she says as she picks out gifts for the party. "We sing, we dance and we love seeing the children's joy."

___

Associated Press writer Sadibou Marone contributed to this report.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/3d281c11a96b4ad082fe88aa0db04305/Article_2012-12-24-Senegal-Muslim%20Christmas/id-1fdc6f72746f49f48c81f48a6fba9d8b

josh powell madonna halftime show linsanity the alamo anencephaly tesla model x lou gehrig

Helpful Advice When You Are Considering Personal Bankruptcy ...

TIP! Forget about detrimental terms, such as shame, when you are filing for personal bankruptcy. It is not uncommon for bankruptcies to elicit feelings of guilt, remorse and embarrassment.

Bankruptcy is a difficult decision for anyone to make; however, it is sometimes necessary. It?s best to make the decision of filing for personal bankruptcy after doing a little research and gaining a clear understanding of the topic. The information in this article contains information and advice from people who have actually gone through the process.

TIP! Before going through the Chapter 7 filing process, ensure that your co-debtors are abreast of any implications relating to this process. Once you file for Chapter 7 bankruptcy protection, you no longer have legal responsibility for debts that you and any co-signers originally agreed to.

Don?t throw in the towel. You might even be able to get back secured property that has been repossessed in the 90 days before filing. There is a chance that you can get back your property if it has been less than ninety days since repossession. A lawyer will be able to assist you with filing the paperwork to get the items back.

TIP! If you are planning to file for bankruptcy in the near future, stop using credit cards. You might be tempted to go on a shopping spree, but this will be frowned upon by the court.

Choose your personal bankruptcy lawyer wisely. This kind of law is popular among inexperienced lawyers. It is crucial that your lawyer has the proper licensing and has plenty of experience. By searching online, you can find background information about lawyers along with client ratings and any disciplinary record an attorney may have.

TIP! If you are a position where you are considering bankruptcy, take a moment to reflect on how your financial situation got this bad. Accumulating huge hospital bills is an understandable cause for filing, but living beyond your means is not.

If you?re tired of receiving calls from creditors, you may want to think about filing for bankruptcy. Being buried under a mountain of debt is emotionally stressful. Bankruptcy protection can give you room to breathe while you figure things out.

TIP! Be sure you know how Chapter 7 and Chapter 13 differ. In Chapter 7 most of your outstanding accounts will essentially be erased.

Know that ultimately, bankruptcy could get you a higher credit score than to keep making late payments or missing payments altogether. Yes, the bankruptcy will stick around for a whole ten years, but the clean slate you get from filing will help you get back on the right track quickly. One of the benefits of bankruptcy is a relatively fresh start.

TIP! Check around to find a bankruptcy attorney with a good reputation. Once you have narrowed down your choices to one, call and ask if they offer a free consultation.

Make sure that you are prepared in the event that your bankruptcy petition is rejected. If you are prepared ahead of time, you can have an easier time anticipating what might happen if denial happens, which could result in foreclosure or repossessions.

TIP! Before you proceed with your personal bankruptcy case, review your decisions to be certain that the choice you are making is the right. Alternatives do exist, including consumer credit counseling.

Try your hardest to present a complete representation of your current financial situation. If the court thinks you are attempting to conceal information, your petition could be denied. The most meaningless, innocuous finance or expenditure needs to be listed when you file a claim. This may include secondary employments, vehicles you own and loans you still owe money on.

TIP! You can take out a mortgage or car loan while filing Chapter 13 bankruptcy. Of course, it?s difficult.

When preparing to file for personal bankruptcy, be sure to keep a list of the questions you have for your lawyer. Lawyers charge a lot for their time. Write down any concerns and questions before your consultation in order to save yourself money and time. You want to develop a thorough understanding of your case and how it is going to progress.

TIP! Learn and gain a firm grasp of the differences in applying for Chapter 7 bankruptcies versus Chapter 13 bankruptcies. Weigh all the information you can find on- and off-line to make an educated decision.

Before you file for bankruptcy, look at your situation carefully. Analyze your situation when it comes to debt as you determine which type of debt can be easily discharged under bankruptcy. There are some debts that are not forgiven under bankruptcy, for example credit card purchases which occurred in the 90 days before filing happened. Remember to research the laws that apply to your state.

TIP! Make sure your home is safe. Filing for bankruptcy will not always result in losing your home.

Make sure you are always providing honest documentation whenever you have to file for personal bankruptcy. Remember that if you hide your valuable assets or income from your bankruptcy trustee, you may risk a number of penalties and complications. Among these is the possibility that you could be blocked from ever filing again.

TIP! Be sure to bring anything up repeatedly if you are unsure if your lawyer is focusing on it. Do not assume that if you?ve already told him or her something important once, that they will remember it later without a reminder.

Nobody really wants to file for bankruptcy but it sometimes is just something they have to do. Now that you have read this article, you have been exposed to some ideas, insights and advice from those who have gone down this road before. Spending some time learning for others who have gone through the same thing reduce some of your stress.

Source: http://www.sibensiben.com/long-island-injury-lawyer-blog/long-island-bankruptcy-lawyer/helpful-advice-when-you-are-considering-personal-bankruptcy-2

2012 ncaa bracket john carlson greg smith catamount mike dantoni bulls heat goldman sachs

Article Marketing Service for Oneway Links ? Writing & Speaking ...

The more targeted traffic you drive to your website or web log the better it will be for you and making use of an article promotion service will help. Website visitors may be the center of any web site setup for the purpose of producing cash flow. More targeted visitors signifies more prospects and therefore greater conversion rates and that means far more cash within your pocket. Article promotion has long been seen as a way of driving website visitors to websites and it also has the added benefit of also acquiring your web site vital back links. To those in the early stages of creating a website all the writing and submission required might seem like a considerable amount of work. It?s a lot of work but when you have a trickle of income to your web sites it is a excellent idea to invest that income into automated processes that may make your article marketing and submissions far more efficient greatly raising your targeted visitors and your income.

Outsource Anything You can!

In spite of the advantages, there are several possible challenges regarding content marketing. For one, you may not like or be especially skilled at researching writing and editing articles. Or, maybe, you simply don?t have the time. Then you?ve got to factor in distribution due to the fact the objective is always to get as many unique versions of your articles posted, published and promoted to many various directories, blogs along with other social websites as possible. The wider the syndication, the higher the opportunity you?ll see a nice increase in site visitors.

Article Marketing Companies in a Box

Articl Marketing Robot is a distinctive system created to assist you turn one piece of original content into hundreds, even thousands of pieces of distinctive information. Additionally, with just a few clicks of a mouse, AMR can then instantly create new author accounts with thousands of online article directory sites, check your e-mail and click the confirmation links, sign in to every single account and post among the list of new exclusive copies it create. It is just like getting a total article promotion service in a box. The only element you will need to do is supply the initial article and you?ll outsource that job for just several dollars.

I Spin but I?m Special

One of the better features of AMR is that you can add your own synonyms to your personal personal database of words. That way you are able to personalize your posts with terms which you like to use. Even though your content are spun you ought to still try to infuse some of your personal unique personality into those spun articles. You can rest assured that your article will likely be submitted to hundreds of article websites bringing you only the very best result, which is increased targeted traffic. It does not take lengthy, just a couple of minutes every single time you want to submit an article leaving you time to spend together with your loved ones, make a lot more sites or do what you need to do. No worries about logging in CAPTCHA codes or filling in author bio boxes ? Article Marketing Robot does it all for you ? it?s the absolute best article promotion service.

If you are looking to produce leads for your multi level marketing business check this out. Online Business Systems. If you are looking for a good multilevel marketing opportunity check out Empower Network.

Source: http://boyajianmarc.com/writing/2012/12/21/article-marketing-service-for-oneway-links/

uconn ncaa march madness mario williams vcu unlv sam young ncaa bracket

Source: http://yecopvol.posterous.com/article-marketing-service-for-oneway-links-wr

Electoral College map nyc marathon nyc marathon willie nelson khloe kardashian Wreck It Ralph Hunter Hayes

Saturday, December 22, 2012

Tasmania, a Great Vacation Escape | BeCleanLiveGreen

Posted by Travel-and-Leisure:Destination-Tips Articles from EzineArticles.com on December 21, 2012

Tasmania is the small triangular island at the bottom of Australia, known for its Tasmanian Devils and relaxed lifestyle. Tasmania is an island state, with Hobart as the capital, and it includes the 334 surrounding islands. The population is somewhere just over half a million, with a large amount of the island being wilderness and 37% reserved as National Parks and World Heritage sites......

Click to read the complete article

Source: http://www.becleanlivegreen.com/?p=93560

W S B H c mitt romney mark zuckerberg

Friday, December 21, 2012

San Jose Real Estate Agent - San Jose CA Realtor Blog, News ...

If there ever was a turn around year, it has to be 2012. This was a recovery year across the US in the real estate housing market. Let's take a look at the statistics.

Sales are way up. According the NAR's chief economist Lawrence Yun, the number of existing homes sales nationally for the month of November 2012 was a seasonally adjusted 5.04 million unit pace.?Up from 5.9% from last month and higher by 14.5% compared to last year's existing home sales.

Inventory is way down. According to Yun, the number of homes available for sale nationally in November 2012 is 2.03 million , down 3.8% from the previous month, and down 23% from last year.? At the current sales pace it would take 4.8 months supply to exhaust the national inventory.

Inventory in Santa Clara County is even lower. According to MLS data, November 2012 inventory was at only 1 month supply. This means that if we were to freeze the market right now and not allow any more listings, we would sell out all the homes?in 30 days!

Home prices have gone up. According to Yun, the national? median existing-home prices for all housing types was $180,600 in November 2012. This was up 10.1% from a year ago.

On the local front, the median sales price for SFH in Santa Clara County in November 2012 was $675,000. At the?beginning of the year in January, the median sales price was $485,000 according to data from MLS Listings, Inc. Our local SFH median sales price has increased 39% so far this year.

Our home values?did not go up 39% this year, so why does the median sales price show such a huge gain in the sales prices?? I believe that the sales in the more expensive areas like Los Altos Hills, Palo Alto, Saratoga, and Los Gatos have definitely skewed the numbers higher. In fact, this is a national trend.? According to?the latest national housing?statistics,?the number of transactions of homes priced over $750,000 has increased approximately 50% compared to last year. This was a great year to buy a more expensive home by using cheap money. Jumbo rates were at a historic all-time low.

It's interesting to study who the buyers are in this market, and also look at what they are buying. Recent national data shows that distressed property sales?made up?22% of all sales transactions (12% were Foreclosures and Short sales made up 10%), all cash buyers were 30%, investors made up 19% of all transactions, first time buyers represented 30% of all transactions. Last year first time buyers made up 35%. This may reveal that on a national scale, first time buyers are participating less in this recovery market compared to last year.

What about next year? Here's what NAR's economist Lawrence Yun said on December 20, 2012 in a Washington DC press conference. He said,?"2012 clearly shows a breakout in terms of both the home sales as well as home prices and we think that this trend will continue into next year. Because the factors that are driving improvement in the housing sector will continue to remain: job creation, household formation, low mortgage rates...?We expect continuing housing improvement going into 2013."

I believe that 2013 should be a?good year to buy a home. Interest rates may increase a bit next year and the price appreciation may not be?as extraordinary as 2012, but?it should be a good year to buy.?I think that it's safe to say that the local Santa Clara County real estate market will recover faster than than the national housing market. The numbers prove that. We have a stronger demand and a lower supply. This only places pressure squarely on home price appreciation. Our rents have increased close to 20% the past couple years and they will go up next year until new construction catches up. This is a great time to own property!

Source: http://sanjoserealestateagent.blogspot.com/2012/12/december-2012-update-and-outlook-for.html

carolina panthers amanda bynes Revolution TV Show bankofamerica revolution rosh hashanah rosh hashanah