Tuesday, August 30, 2011

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Your cell phone isn’t what it used to be. As technology and cell phone developers race frantically into competition to bring us the latest and greatest uber-combination: video, mp3 players, wireless internet, touch-button downloading, the frenzy continues to keep up with the times. As the camera phones and text messaging become the norm, more possibilities for the future of cell phones are slowly emerging.

The scope of the Internet is opening up incredible doors for dual-consumer technology; think of how easy it is to download information to a cell phone for mobile reference. This is only encouraged further with today’s functions of the iPod and Zune, allowing users to carry complete media files, videos, and music available to them at a touch of a button or screen. Cell phones are beginning to take on similar featuers; Verizon’s Chocolate is entertaining the masses with an iPod-like music feature. Bluetooth technologies are going mainstream as more people enjoy the freedom of hands-free roaming, as well as inter-gadget networking. And advertisers are noticing the trend, big time.

As advertising turns digital, more companies are realizing the potential benefits of branding and marketing in a digital format. Whether it’s through SMS text messaging, complete download plug-ins available to specific cell phone service subscribers, or sending out Bluetooth-enabled posters and images to ‘catch’ the views of Bluetooth users, advertising is approaching another revolutionary sequence that will change the way consumers receive messages.

Cell phones are the new customer ‘receivers;’ they are owned by thousands of empowered purchasers, people who make decisions on a daily basis. Subscribers to one cell phone service may enjoy the ability to download shopping ‘channels’ and other highlights direct from their providers; as more consumers pick up on this ease of technology, advertisers are honing in on the great potential to deliver targeted messages, incorporate video and music, and launch full-blast campaigns in an effort to literally ‘feed’ their demographic segments. Companies such as Mobi-TV  are creating packages for advertisers to purchase segments of broadcast time that are delivered to cell phones on a particular network. As video-sharing becomes more prominent online, advertisers are harnessing the power of video and adapting it for delivery directly to the cell phone user.

Banner ads online are the equivalent of billboards and posters in the offline world; however, cell phones provide a uniquely independent, perhaps even distinguished medium, for advertisers to select, find, and literally ‘zap’ their markets with relevant content and creative material. Whether cell phone customers adapt to this easily is difficult to predict at this time. Needless to say, the likes of ESPN Mobile  are creating new opportunities for entertainment and advertising technology.


Friday, August 19, 2011

Comparing Granite and Marble Countertops: Which One particular Should You Choose?

Granite and marble are both stones meaning they may be both durable, large, and amazingly challenging. At the same time, simply because both equally these stones can truly previous a lifetime, they're both equally equally expensive and incredibly challenging to polish and install. Because they can be both stones, these are the natural way patterned, consequently, chances are you'll get granite or surface encounters marble that's not very similar for the layout through the catalog that you ordered so it will be best to actually see the real product when picking the kind of style and design and pattern that you simply want alternatively of relying only on images. The two are warmth resistant and they usually do not scorch when put even that has a incredibly sizzling substance such as iron pots and pans.



Nevertheless, granite is way tougher than marble and it truly is much more resistant to scratches and hefty impacts in comparison with marble. Simultaneously, granite is more defiant to acids this kind of as vinegar, lemon juice, and tomato juice, and also other objects with large amounts of acidity. To help you greater recognize the strengths of each stones, allow us acquire a closer seem as to how they had been shaped. Marble, and all its stone relatives - onyx, travertine, and limestone for the onset ended up sediments created of shells, plant matter, animal skeletons, and silt which all settled with the bottom of bodies of h2o and soon after a long time of being soaked in h2o, they solidify and become stones/ Marble’s major component is calcium and that is the cause why it's a tendency to react to acids these kinds of as vinegar and other drinks that have citrus. Granite, however, is built up of crystallized minerals formed in the earth’s mantle at higher temperature. The outcome can be a hard, incredibly resistant stone. Marble might be scratched and etched by acids since it is produced of calcium carbonate which can be very much like chalk however the only variation is surface encounters marble is compressed and in the crystallized form. In the same method, marble has fewer patterns, in fact it really is much more generally offered in its white shade so stains and mars may well stand out much more subjected in marble. Granite contains a more complex pattern that can cover the stains superior. Regarding patterns nevertheless, marble includes a finer, much more classy seem than granite. The crystal formations in marble are a lot more satiny and finer in nature which makes it glimpse far more luxurious. Granite has greater, pea-sized crystals that happen to be coarser to your eye.



In the long run, in terms of sturdiness, the granite countertop will be additional durable and more resistant to stains and scratches whilst the seems are won by marble. Marble however is more affordable than granite but it calls for greater maintenance. So, all of it boils down to what you truly want as a countertop. Would you settle for a countertop that is incredibly hard-wearing and however not as pretty since the other a single, or would you trade magnificence for longevity and energy?

Monday, August 15, 2011

Track record Check Resources Easy And Price Efficient

Finding the right individuals to function for you has in no way been an straightforward job. Everybody is excellent at some thing but you need to figure out if they are most likely to become fantastic at performing what you need them to complete. Not merely that, you need to also make certain that they're heading to match in along with your organization and current staff. This is why having great employment background methods is essential whenever you are hiring new workers.

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Time for you to Fix A Low Credit rating With a Bad Credit score Loan

More and much more loan companies, employers, landlords and insurance businesses are checking your FICO score as component of their process of approving your loan, landing a career, having your personal home to reside, or good prices given for just about any kind of insurance coverage that you might have utilized for. To achieve all of those issues which you are dreaming of accomplishing developing a great free credit score online history will be the first thing which you have to do if in situation you acquired one having a poor history.

Credit score scores start from the reduced 300 to the cream with the crop 850. A regular consumer has a credit score assortment of 600 to 700 but some might have much more than this. A FICO score will be the basis of most loan companies and credit score bureaus of computing your creditworthiness. A good credit score score falls on an average of 720 and above. Where does 1 get the info on their respective credit scores? By law this really is given for free as soon as a yr coming from the three main credit score bureaus: Equifax, Experian and TransUnion. Your scores and credit score background shows your current and closed accounts also as your payment background.

Lenders do generally take a look on your free credit score background because the basis on whether or not they will grant your mortgage at a good rate of interest or deny this altogether. If correct now you're interested on applying for a home loan that necessitates a substantial credit score score then it could be very best to use for FICO score monitoring which generally provides you an update on your scores on a weekly basis. Subscribing to this on-line support alerts you when you have attain your substantial score objective so long as you setup a threshold for it. Some would go so far as sending you an sms to inform you whenever your scores have change for your much better or for the worst.

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To help you develop a better credit score and background listed here are some simple guidelines to adhere to:

Request a copy of your credit history as needed if not wait for it as soon as a yr but do keep track of your history for any errors. If you see discrepancies then you can dispute them by going through your reports thoroughly.


Spend your expenses on time. Include some more around the minimum amount that you generally spend because this would trigger your credit score to rise and could be noticeable for most loan companies which you are a great borrower because you pay on time and is also sincere in settling your bills.Avoid maxing out in your credit restrict. This will surely trigger your credit score scores to drop that fast. Cancel credit cards which you aren't using or don't require and pay on time for the credit card expenses.

Monday, August 1, 2011

Making Money Jobs

A version of this column is scheduled to be published in The Washington Times, Monday, July 11, 2011.


Follow the Money No. 74: Charlie Chaplin’s suit?

The geopolitical question of the hour: is there a tripwire that will tie together a series of regional crises bringing on another 2007-08 worldwide economic disaster?


Lehman Brothers’ collapse dramatized how enhanced interconnections can tumble through the new world economy with domino effect. But if the world finance mavim know a seminal interrelation of our several bubbling crises, they are not telling us. Meanwhile, the minitheaters percolate:


Europe –There’s growing consensus Greece’s economic collapse is leading to a restructuring of the European Union’s finances with more than 20% of the world’s gross product. Shooting the messenger – the growing attacks on rating agencies which, indeed, are feeding debilitating increases in the cost of debt – doesn’t solve the problem nor do complicated if band-aid solutions. Nor, does it seem likely to this observer, creation of a Eurobond market to absorb growing debt would automatically bring about inspired, problem-solving central European fiscal and monetary direction. [It didn’t with creation of the Euro “common currency”.]


The U.S. – However much the Obama Administration’s stimulus program staved off an even worse crisis – to be argued until the end of the economists’ time, not soon contrary to John Maynard Keynes hopeful prediction the profession would die out – it has run out its string. Public opinion demands curbing deficit spending. But how against pressures of “special interests” [yours’ always are, mine are heaven blessed] is a conundrum taxing the American political system. It‘s a time when parliamentary government – with its ability to bring down a cabinet’s failed strategy instantaneously – is envied. Instead, more than a year’s political mudslinging appears inevitably producing near paralysis. Meanwhile despite widespread denials – including fudging with inventions like “core inflation” – higher prices could couple with stubborn underdemployment/unemployment and an unresolved housing bubble for increasing misery.


China – The cracks, long seen by the few who questioned sustainability of the miracle of “the world’s factory”, are widening. Beijing central planners – despite their rationale only rapid growth could legitimate “Communism with Chinese characteristics” by providing jobs and stability -- have curbed unlimited infrastructure expansion which with now slowing exports was the engine of growth. “Creative accounting” takes on new meaning for government banks hiding “non-performing loans” in new set-aside organs now making their own bad loans. Beijing’s inability to “feed” local Party hacks leads them to “squeeze” workers and farmers in turn leading to growing violence. Inflation, especially food where most Chinese live, grows despite monetary devices borrowed from Western systems largely ineffective on what still is a Soviet skeleton.


Japan – The world’s third largest economic power drifts, mysteriously bereft of political leadership, caricatured in its inability to address the destruction of the earthquake-tsunami with characteristic “Yamato Damishi” [fortitude]. In Japan’s hot, muggy summer, only 19 of 54 reactors are operating in the face of anti-nuclear sentiment. With more to shut down, cutbacks of 15% already haunt large electricity customers and boosts expensive fossil fuel imports. Consumer confidence falls to record lows, ominous for Japan’s rapidly ageing population. Government debt, already the world's highest ratio at 200% of GDP, will rise as Tokyo borrows $100 billion to rebuild and GDP shrinks. Luckily, Tokyo borrows at home at floor-scraping 1.5%. But, Japan, too, has its echo of the American argument: Economy Minister Kaoru Yosano opposes Tokyo selling itself bonds as the Fed and Treasury have done, warning resulting higher finance charges would hit Japanese banks.


But how does it all connect? We saw how Japan’s disaster put a crimp in the manufacturing supply chain from Shanghai to Detroit. But, for example, what call have German and other European banks on their U.S. colleagues if Greece defaults? Japan, which has been lending the world $175 billion annually in investment capital, is out of that business. Nobody wants to talk about the impact on Spain [20% of the EU GDP] if Greece [3% of the EU GDP], followed by Portugal and perhaps Ireland, “goes”. What will that do to Latin America where Spanish banks have invested heavily as the Brazilian boom simultaneously now threatens to go “bust”? Australia’s roaring dollar is already feeling Chinese cutbacks as will all commodities producers, perhaps even the Mideast petrosheikhs.


In one of his serio-comic sequences, Charlie Chaplin’s little tramp starts pulling a thread from his crumpled suit. Before long, his whole miserable costume dissolves. Is there that kind of loose thread here?


sws-07-08-11





J Nail|7.6.11 @ 8:30PM|#


I think you are dead wrong.


I am going to approach this Constitutional debate from another
angle. That President Obama would risk impeachment by NOT acting
under the 14th Amendment to prevent default.


Whether any of us like it or not it this debt ceiling debate is
all about the “obligations” that Congress over time has signed into
law, not the bonds.


The ceiling raise has nothing to do with future spending, only
that which has already been committed to by this and prior sessions
of Congress over out history.


We elected them, they act via their Constitutional
responsibility passes laws/funding programs, we own it and has the
“full faith and credit” of the US behind it. These are all laws
that then need to be upheld, ie honored.


The Constitution is by definition the original document plus any
and all Amendments to it so trying to separate the two is a
specious argument as well.


In PERRY V. UNITED STATES, 294 U. S. 330 (1935)SCOTUS addreses
the larger context of debt as “obligations” that further supports
the notion that default would be unconstitutional and thus stopping
it would be required of the President:


“…The government’s contention thus raises a question of far
greater importance than the particular claim of the plaintiff. On
that reasoning, if the terms of the government’s bond as to the
standard of payment can be repudiated, it inevitably follows that
the obligation as to the amount to be paid may also be repudiated.
The contention necessarily imports that the Congress can disregard
the obligations of the government at its discretion, and that, when
the government borrows money, the credit of the United States is an
illusory pledge.


We do not so read the Constitution….To say that the Congress may
withdraw or ignore that pledge is to assume that the Constitution
contemplates a vain promise; a pledge having no other sanction than
the pleasure and convenience of the pledgor. This Court has given
no sanction to such a conception of the obligations of our
government.


The Fourteenth Amendment, in its fourth section, explicitly
declares: ‘The validity of the public debt of the United States,
authorized by law, * * * shall not be questioned.’ While this
provision was undoubtedly inspired by the desire to put beyond
question the obligations of the government issued during the Civil
War, its language indicates a broader connotation. We regard it as
confirmatory of a fundamental principle which applies as well to
the government bonds in question, and to others duly authorized by
the Congress, as to those issued before the amendment was adopted.
Nor can we perceive any reason for not considering the expression
‘the validity of the public debt’ as embracing whatever concerns
the integrity of the public obligations.”


The office of the President as “Chief Executive” is empowered by
the Constitution that “he shall take Care that the Laws be
faithfully executed”.


He is also Constitutionally bound by his oath of office:


“I do solemnly swear (or affirm) that I will faithfully execute
the Office of President of the United States, and will to the best
of my Ability, preserve, protect and defend the Constitution of the
United States.”


This creates a slippery slope for any President. In other words
he has no choice in acting per the Constitution lest he violate his
oath and for that could be subject to impeachment.


A secondary argument, slightly less compelling, is that in his
job as Commander in Chief to protect the nation against any threats
could be cited here. A default that plunges the nation into another
recession and costs the taxpayers hundreds of billions in
additional Federal interest payments and billions more in higher
credit card, mortgage and consumer loans threatens the nation as
much as any war or attack does. Not acting would weaken the nation
considerably and his failure to protect the nation from this sort
of “attack” would also be seen as a failure to fulfill his
oath.


So the 14th/PERRY V. UNITED STATES makes it clear on the debt’s
validity and the fact that it cannot be abrogated in anyway that
diminishes the full faith and credit of the nation and its trust
with any one owed money via a statute approved by Congress, be it
your mom on SS, a cleaning contractor for a federal building or
foreign nations holding bonds. All are equally valid and must be
honored.


So no action by Congress is illegal and the Debt Ceiling law in
any dispute is trumped by the Constitution. In “Perry” Chief
Justice Hughes wrote the majority opinion: “We do not so read the
Constitution…the Congress has not been vested with authority to
alter or destroy those obligations.”


Altering those obligations means that the terms of meeting them
cannot be changed in anyway so even a default of a few days or a
program to pay bills in some order with revenues is not allowed. So
inaction that allows any sort of modification is out of the
question as well.


If Obama does not act to avert the crisis if negotiations fail
that is a more compelling reason to Impeach than trying to claim
that he exceeds his Constitutional power in resolving the crisis
using the 14th.


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<b>News</b> flash: Talk radio invades the FM dial in Chicago | Marketing <b>...</b>

A day before WBBM-AM/780 was set to begin simulcasting its News Radio programming on sister CBS FM station WCFS-FM/105.9, Merlin Media LLC converted WKQX-FM/101.1 to Chicago's only round-the-clock FM news station on ...

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Large increase in number of Americans who see Obama as &#39;too confrontational.&#39;

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It&#39;s Official: Your Birth Control Will Be Fully Covered

Here's a rare bit of excellent news: The Department of Health and Human Services has signed off on recommendations to include contraception in preventative care. In other words, kiss your co-pay goodbye.

It&#39;s Official: Your Birth Control Will Be Fully Covered