iPad Refurbs Now Sell for $319 on Apple?s US Online Store

Apple is selling refurbished iPads for as low as $319 on its Special Deals site, the location reserved for pre-owned products. Offers include the iPad 2, and the third-gen model with Retina display.

You won?t find the fourth-generation iPad or the iPad mini on Apple?s Special Deals section, but you will be able to buy a Refurbished iPad 2 with Wi-Fi 16GB - Black (2nd generation) for just $319.

The US Apple online store is also selling third-generation tablets with Retina displays for $379, which translates into a $70 saving, according to the Cupertino, California-based Apple Inc.

Originally released March 2012, the iPad 3 features Wi-Fi (802.11a/b/g/n), Bluetooth 4.0 technology, a 9.7-inch Retina display, a 5-megapixel rear-facing iSight camera, a front-facing (VGA-quality) FaceTime camera, the dual-core A5X chip and a 10-hour battery life.

Source: http://news.softpedia.com/news/iPad-Refurbs-Now-Sell-for-319-on-Apple-s-US-Online-Store-317871.shtml

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The Benefits of Outsourcing Small Business Names Of Domain and ...

29 Dec 2012

Join the camp and allow that small business of yours increase faster than imaginable by going on line. The on-line industry is extremely large and you should benefit from the possibility to let potential customers find out about your products through the Web. It is best to put up your website and get online while you?re still building your client base because once your customers increase, your online methods will be in place and you can offer interactive solutions that will keep your customers happy.You can actually release your website for free, but there are significant limits to this that will put your online supply to a problem. Many smaller businesses could gain more if they avail of professional site name and web hosting companies. The important characteristics to test are the uptime proportion which will at least be 98% to ensure the least disturbances for your customers and you. When you perform online revenue, it is important to have 24 hour access to your records and 24 hour support for your customers.Some webhost companies can provide you with research as to the number of visitors who visit your site and the number of how many really created a can ask from friends or check online for dependable hosting companies, and compare their companies and pricing.It is also important to have your personal dedicated IP. Once you avail of a free of charge or cheaper web hosting service since the INTERNET protocol address must be shared by other customers or users this isn?t possible. This really is disadvantageous because your accessibility can be slowed down by it on the web. Another significant feature that you need to have is having your own personal domain name, which will be again a limit with free web hosting services.When selecting a domain name, it?s advisable to keep it small, distinct (class) and simple. Check related services and products on the Internet and retain tab of the keywords that make the business in the prime list of the se. It is also beneficial to think just like a buyer and reverse your role and what keywords they could use to find your product. Choosing the right domain name is essential because the Net will check out the keywords that the customer will use within looking and quickly cause the customer to your website if the domain name is encompassing.Having an online website is important because you provide clients a locale to quickly share their problems. You can even use this capability for frequent updates about your goods, offer savings, newsletters, and so on. This can keep your web visitors interested and may possibly build loyalty.There are countless possibilities once you get online together with your company. This is actually the strategy to use and you will be put aside when you don?t benefit from borderless marketing. If you believe you have a good product to market and its potential is promising, start your internet site and avail of trusted domain name and web hosting companies.

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Source: http://katalogas.link-bin.eu/the-benefits-of-outsourcing-small-business-names-of-domain-and-web-hosting-services/

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Video: More top movies of 2012: Zero Dark Thirty, Les Mis

Why do some men get grouchier as they age?

Some call it ?grumpy old man complex.? Other experts label it: ?irritable male syndrome,? a spike in the outward crankiness of guys of a certain age. As more baby boomers hit 60? be ready for more grouchy outbursts, like a Donald Trump rant set to explode.

Source: http://video.msnbc.msn.com/hardball/50313469/

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Berlusconi criticizes Monti's campaign about-face

ROME (AP) ? Ex-Premier Silvio Berlusconi has sharply criticized the decision by Mario Monti to run in Italy's general elections and has vowed to launch a parliamentary inquiry into the 2011 fall of his government and appointment of Monti as Italy's premier.

Berlusconi spoke out Saturday after Monti ended a week of hedging and announced Friday that he would head a coalition of centrist forces, businessmen and pro-Vatican forces running for office in Feb. 24-25 elections.

Berlusconi said he never expected Monti would reneg on his repeated assurances that he "wouldn't use the public prominence as head of a technical government for an ulterior presence in politics."

Monti was named to lead a technical government after Berlusconi was forced to resign amid Italy's slide into the eurozone's debt crisis.

Berlusconi's party trails in the polls.

Source: http://news.yahoo.com/berlusconi-criticizes-montis-campaign-face-192127974.html

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Pudding Monsters tops iPhone Games of the Week

Now that the holiday season is behind us, we get to sit in that awkward bit of time at the end of the year. That time that is so utterly devoted to reminiscence and top games of the year lists. As such, it?s hard to find out about notable new releases, and most developers avoid this time like the plague. Thankfully, last week was so utterly packed with releases that there?s enough for a second list. I mean, there was a new game from ZeptoLabs, creators of Cut the Rope, and that wasn?t even on last week?s list. So here we go with the last, but certainly not least, new iOS games of 2012.

After the massive success that was Cut the Rope, developer ZeptoLabs has gone against all conventions and branched out in a brand new direction with a new IP. Everyone was probably expecting a Cut the Rope 2, but instead, we get a brilliant puzzle that has you sliding pudding blobs together into bigger pudding blobs. It?s not as quite casual as Cut the Rope, with a slightly higher difficulty that should appeal to a slightly more mature gamer, but it is still charming and adorable with puzzles worth every penny. Definitely don?t miss out on this one.

Only in the open and accessible world of iOS development have we seen projects like this. An ancient eighties fighting game revitalized and re-released as a gesture and timing-based adventure from the creator of the original (who also created Prince of Persia). There are plenty of old references mixed in with the new look and feel of the game, appealing to both modern and old school gamers. There is an elegant simplicity in the violence at play here, and while I don?t foresee it being crazy popular, there is a modern classic to be found in this one.

DoubleFine Productions, with their buckets and buckets of Kickstarter money, are still doing what they do best. They make smaller titles that offer a lot of creativity and charm. The creators of Brutal Legend have no branched into the iOS realm with this wonderfully funny freemium simulation. Only DoubleFine would think of such a hilarious concept as superhero middle management. Yes, it is a freemium game with freemium elements, but DoubleFine has done their best to lessen the brutality of them, and in the end this is a very familiar game with a sense of humor.

3D Realms, creators of Duke Nukem, have been having a pretty good time releasing their old games on mobile devices. Their latest release is that of the controversial 1997 shooter, Shadow Warrior, based on the same engine as Duke Nukem 3D. The controls for Duke Nukem 3D?s port weren?t very cooperative, but it seems like they?ve been vastly improved for the bloodbath that awaits you here. It?s retro ultra-violence at its best. The game is only decent overall, but it?s still worth playing if you miss the simpler shooters of old.

It is a rare day that I promote a match-three game on this weekly list. I?ve never seen a genre get so popular so quickly before dying off just as quickly as I saw with match-threes. Luckily, the developers of Pixel Defenders Puzzle know just how to scratch my gaming itch. Essentially, this is more like a Triple Town, but it isn?t a blatant clone, and simply builds on those solid mechanics. For another thing, it involves a retro RPG pixilated world, with magic, wizards, undead, and the rest. I?m pretty much guaranteed to pay attention when I see such an aesthetic. As it so happens, the game itself is really well done, and worth playing!

Download the Appolicious Android app

Source: http://www.appolicious.com/games/articles/13087-pudding-monsters-tops-iphone-games-of-the-week

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Advice On How To File For Bankruptcy | Forex Market Investmet ...

Filing for bankruptcy is always a bad thing. The embarrassment can be overwhelming when friends discover your poor financial position. Use the tips in this article to help you avoid bankruptcy so you can save yourself from all that trouble.

Speak with an attorney about any fears you have about losing your car. You may even be able to get your monthly payment reduced. Lower payments can sometimes be structured into a Chapter 7 solution. In order for this to succeed, you must have bought your car in excess of 910 days before filing, have a higher interest loan for it as well as a consistent work history.

Take some time after filing for bankruptcy to enjoy life. Many debtors stress-out during the time of filing. It is essential to cope with this stress well, to prevent becoming depressed. Your life will see improvement after you get past the bankruptcy.

Credit History

Before you proceed with your personal bankruptcy case, review your decisions to be certain that the choice you are making is the right. You have other choices, including consumer credit counseling. Bankruptcy can leave your credit history permanently marked. Prior to doing this you need to be sure you try everything else first to get your credit history into shape and to lessen the impact.

Don?t feel bad if you need to remind your attorney about any specifics of your case. It is wrong to assume that your lawyer will remember every word you ever utter! This is your bankruptcy case, so do not be afraid to remind your lawyer of any key facts.

Chapter 7

Before you make the decision to file Chapter 7 personal bankruptcy, take time to think about anyone it could affect. A Chapter 7 bankruptcy will relieve you of your legal responsibility to pay any joint debts. Creditors, however, will hold the co-signer liable for the entire balance of the debt.

If you are truly faced with bankruptcy, avoid blowing your savings or retirement money, trying to pay off debts. You shouldn?t dip into your IRA or 401(k) unless there is nothing else you can do. Your savings accounts offer valuable financial security so try to leave them intact.

Never pay for a consult with a bankruptcy lawyer, and ask plenty of questions. Most lawyers offer free consultations, so talk to a few before making your decision. Make your decision after all of your questions have been answered. Take your time before you decide to file after you meet with your lawyer. That gives you the chance to speak to a number of lawyers.

Bankruptcy is a difficult time that always leads to lots of stress. Be certain that you hire a competent lawyer to minimize the stress and anxiety you are under. Don?t make your choice to retain a particular lawyer simply because they are the cheapest. You don?t have to use the most expensive attorney; you just need a good quality attorney. Get referrals from those who have used a bankruptcy lawyer, talk to the bureau for better business, and take advantage of free consultations offered by most lawyers. Try to get a referral from a trusted friend or family member.

Prior to filing for bankruptcy, discover which assets cannot be seized. There are some assets that cannot be seized through bankruptcy, and the law lists those assets. It is vital that you completely understand which assets are protected and which assets can be seized prior to filing bankruptcy. If you fail to go over this list, you may be unpleasantly surprised sometime down the road if any of your most valued items are seized.

Filing a petition for bankruptcy should be a last resort. The advice in this article will be valuable as you work to find another financial path. Start using what you learned today and see how much of a change you can make in your life, so that you do not have to harm your credit history.

You may have looked everywhere for good advice regarding financial market trends. This is the article you need. You are now better informed about the subject. Read the article a few times to help you get a better grasp, and keep it as a handy reference.

Source: http://forexinvestmentreport.com/2012/12/28/advice-on-how-to-file-for-bankruptcy/

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Sweaters knit by Myanmar's Suu Kyi sell for $123K

YANGON, Myanmar (AP) ? Myanmar's cash-strapped opposition party is tapping into the prestige of its leader: Two sweaters hand-knit by Aung San Suu Kyi have been auctioned for $123,000.

A green-and-white sweater with a floral design sold at a Friday night auction to an anonymous bidder for 63 million kyat, or $74,120.

On Thursday, a Myanmar-based radio station won a bidding war for a multicolored V-neck that fetched $49,000.

Suu Kyi has not publicly reacted to the success of her party's two-day fundraiser, but aides said she was pleased with the results.

"Daw Aung San Suu Kyi is satisfied with the auction and the donations received," close aide Ko Ni said Saturday. "She needs a lot of cash to carry out projects for the welfare of the people." Daw is a term of respect in Myanmar.

The auction was part of a fundraising event organized by Suu Kyi's National League for Democracy party to raise money for education of poor children and health projects in Myanmar, an impoverished Southeast Asian nation also known as Burma.

Both sweaters were knitted by Suu Kyi at least 25 years ago when she was living in England and raising her two children, Ko Ni told The Associated Press.

"She made them when she was busy working, studying and taking care of her children," Ko Ni said. "She wants to send the message that people should not stay idle but be diligent."

Suu Kyi, a 67-year-old former political prisoner and winner of the 1991 Nobel Peace Prize, has become Myanmar's biggest celebrity as the country transitions from a half-century of military rule. She is generally guarded about the family she left behind in England ? but the auction indicates a new willingness to share her family history with an adoring public.

Ahead of the auction, Suu Kyi asked her brother-in-law in England to ship some of her personal belongings, which arrived in nine boxes on Wednesday just in time for the auction, Ko Ni said.

The Oxford graduate was raising two young sons with her late British husband when she returned to Myanmar in 1988 to nurse her dying mother. As daughter of the country's independence hero, Gen. Aung San, who was assassinated in 1947 when she was 2, Suu Kyi found herself thrust into the forefront of pro-democracy protests against the military regime.

Over the next two decades, she became the world's most famous political prisoner and won the adoration of her people, who call her "Amay Suu" ? or "Mother Suu," partly because she chose to stay with them over her own children. She declined opportunities to leave Myanmar, fearing she would not be allowed to re-enter.

Since her release from house arrest in 2010, Suu Kyi has reunited with her sons and completed a stunning trajectory from housewife to political prisoner to opposition leader in Parliament.

The proud new owner of the $49,000 red, green and blue V-neck sold Thursday said it was worth the money.

"It is priceless because the sweater was made my 'Amay' herself," said Daw Nan Mauk Lao Sai, chairwoman of Shwe FM radio station.

"I bought the sweater because I value the warmth and security it will give," she said, adding that she plans to hang it up in the station's office for the whole staff to see.

___

Associated Press writer Jocelyn Gecker in Bangkok contributed to this report.

Source: http://news.yahoo.com/sweaters-knit-myanmars-suu-kyi-sell-123k-041957023.html

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Video: George H.W. Bush?s fever worsens

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Source: http://video.msnbc.msn.com/nightly-news/50300379/

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Netflix streaming service back online after outage

Those hoping to spend the holiday watching streaming video from Netflix can now get back in front of their TVs, tablets and PCs after a Christmas Eve outage.

A Netflix Inc. spokesman said by email Tuesday morning that the service has been fully restored.

The outage affected customers in the Americas starting around 12:30 p.m. PST on Monday. The company, which is based in Los Gatos, Calif., blames problems with Amazon Web Services, and says it is investigating further.

Amazon Web Services provides companies with online storage and computing. It is separate from Seattle-based Amazon.com Inc.'s better-known shopping website.

Amazon says that problems with its service have also now been fixed.

Source: http://news.yahoo.com/netflix-streaming-back-online-outage-182551444--finance.html

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Online Radio ??? An Avatar Of Traditional Radio | Nextengland.co.uk

Online radio is an innovation that has changed the way the world entertains and does business. Radio stations worldwide can be enjoyed over the internet. It also gives businesses? marketing strategy a new dimension.

With internet technology taking over the communication industry, traditional radio has taken a new avatar?radio on internet. Developers are now busy finding new and more efficient ways for integrating the radio to the internet. Radio streaming on the net has produced a number of audiences that conventional radio has never enjoyed before.

Radio on Internet: What It Is?

Audio stream is transmitted to listeners via a continuous stream over the World Wide Web. This enables users all across the world download radio software programs and listen to worldwide streaming of internet music stations, right in the comfort of their homes. This is different from podcasting as people are not required to download individual radio stations of their choice. The radio broadcasts streams freely sans any media device.

Radio on Internet: Entertainment Value

Online music stations are basically local music radio stations from different parts of the world. This enables you to listen to music according to your taste. The easy-to-use control panel, upon installation of the streaming software, enables users to quickly access worldwide radio stations with a clear reception. You can now find the radio station you prefer just by choosing either the particular region or the music genre. When you choose a region or music genre, you will get a list of radio stations broadcasting specifically on the genre.

Online radio music is also executable in a USB flash drive. The device allows the user to download the radio software straight to the flash drive. With this device, you can listen to your favorite programs anywhere in the world. The device is compact and can be easily carried, letting you entertain yourself anytime you want.

Radio on Internet: Business Value

Businesses can rope in radio on internet for their marketing strategy. They can partner with internet radio stations to promote their brand and message out to their consumers. Talk programs are the best way for creating a buzz about products. You can get experts or guests talking about the utility, benefits of your product, thus highlighting it.

Many online radio stations bear close resemblance to social media outlets. They invite the end users to comment or share what they think about related topics with the hosts and participants. This helps business managers to determine what the general public thinks about their products or services. After all, feedback carries great importance for every business. This feedback can be used for the betterment of the products.

Catchy infomercials are the key to captivate people on the internet. An intelligently produced commercial would drive people to the website or business, taking up the volumes in tandem. As the medium is not limited to any particular geographical or demographic region, advertising on internet radio would give the business an international audience base.

For enjoying radio on internet, you can use the services of several communications convergence technology providers. This would enhance your experience of online entertainment.

Source: http://www.nextengland.co.uk/2012/12/online-radio-an-avatar-of-traditional-radio/

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Source: http://odoraalo.posterous.com/online-radio-an-avatar-of-traditional-radio-n

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Dropkick Murphys - "The Season's Upon Us" (Video) (Little green footballs)

Share With Friends: | | Politics - Top Stories News, RSS Feeds and Widgets via Feedzilla.

Source: http://news.feedzilla.com/en_us/stories/politics/top-stories/273067014?client_source=feed&format=rss

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Netflix suffers Christmas Eve outage, points to Amazon

NEW YORK (Reuters) - An outage at one of Amazon's web service centers hit users of Netflix Inc.'s streaming video service on Christmas Eve and was not fully resolved until Christmas day, a spokesman for the movie rental company said on Tuesday.

The outage impacted Netflix subscribers across Canada, Latin America and the United States, and affected various devices that enable users to stream movies and television shows from home, Netflix spokesman Joris Evers said. Such devices range from gaming consoles such as Nintendo Wii and PlayStation 3 to Blu-ray players.

Evers said that the issue was the result of an outage at an Amazon Web Services' cloud computing center in Virginia, and started at about 12:30 p.m. PST (2030 GMT) on Monday and was fully restored Tuesday morning, although streaming was available for most users late on Monday.

"We are investigating exactly what happened and how it could have been prevented," Evers said.

"We are happy that people opening gifts of Netflix or Netflix capable devices can watch TV shows and movies and apologize for any inconvenience caused last night," he added.

An outage at Amazon Web Services, or AWS, knocked out such sites as Reddit and Foursquare in April of last year.

Amazon Web Services was not immediately available for comment. Evers, the Netflix spokesman, declined to comment on the company's contracts with Amazon.

(Reporting by Sam Forgione; Editing by Leslie Gevirtz)

Source: http://news.yahoo.com/netflix-suffers-christmas-eve-outage-points-amazon-191205963--finance.html

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Your Legal Rights If Your Flight Is Cancelled ? CBS Philly

By Amy E. Feldman

PHILADELPHIA (CBS) ? What are your legal rights if your flight is cancelled?

Hurricane Sandy, dubbed Frankenstorm, caused the cancellation of about 10,000 flights across the US.

Nothing is more frustrating than a cancelled flight on your way to a vacation in paradise. Well, maybe a zombie invasion. But you probably need a force more powerful than a lawyer for that one. As for your legal rights if the flight gets cancelled though, you?d be better off fighting a zombie. Because if you get bumped off a flight because of an airline overbooking error, you may receive cash compensation or a voucher for free travel and will be rebooked on a different flight. But there?s no federal law that protects passengers in the event of what?s called a force majeure event which is an event like bad weather that?s out of the airline?s control.

Your recourse depends on your airline and what they?ve put in your contract for the ticket. Many airlines say that they will attempt to rebook you on a different flight, even on another airline, but they don?t guaranty it and while some will put you up in a hotel, most don?t pay for your extra stay because of flight cancellation so you?ll be left to find your own hotel room or sleep on the floor of the airport and you really will look and feel like a zombie when you finally arrive.

Source: http://philadelphia.cbslocal.com/2012/12/25/your-legal-rights-if-your-flight-is-cancelled/

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California Manufacturers Weigh Costs of New Greenhouse Gas Rules

[unable to retrieve full-text content]Beginning Jan. 1, companies in California will begin to pay for greenhouse gas emissions, which trap heat and contribute to global warming.

Source: http://www.nytimes.com/2012/12/25/business/energy-environment/california-manufacturers-weigh-costs-of-new-greenhouse-gas-rules.html?partner=rss&emc=rss

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Research and Markets: US Market Changes in the Treatment of Advanced Lung Cancer 2012

Though Robert Pattinson stuck by her, Ben Affleck has left Kristen Stewart?in the dust. Citing a schedule crunch, the actor has backed out of?Focus, a con-artist movie set to costar Stewart and begin filming this spring. Stewart had just said in a recent interview that she was excited to start shooting, but now who knows what will happen. "Hi Kristen. We know that you were excited about working with Ben, but he dropped out, so we got you a replacement," a producer says to her the day she arrives on set. ...

Source: http://news.yahoo.com/research-markets-us-market-changes-101400789.html

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We're Cutting Back To Ho-Ho | Small Business Trends

I have three employees ? me, myself, and I. Well, actually, I just had to let me go for sleeping on the job.

I?m all about efficiency.

I?ve got blogs and tweets scheduled weeks in advance, photoshop actions to take care of even the smallest repetitive tasks, and keyboard shortcuts to insert all manner of boilerplate response in my email.

But as much as I love efficiency, I just can?t agree with this cartoon.

Happy holidays!

Source: http://smallbiztrends.com/2012/12/cut-backs-business-cartoon.html

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GMC Transmissions Now Sold to the Public at GotTransmissions.com

GMC Transmissions are now sold to the public at GotTransmissions.com This used and rebuilt assembly retailer has added the General Motors builds to its inventory for direct sale to the public to make it easier to locate a transmission for affordable prices online.

Houston, Texas (PRWEB) December 21, 2012

GotTransmissions.com announces the inventory upgrade of its GMC transmissions. This new addition is now available for sale to the public. This new measure is designed to provide a quality assembly to an average vehicle owner that has few options to find a replacement gearbox online or offline. More information can be found at this link http://www.gottransmissions.com/blog/gmc-transmissions/gmc-transmission-4l65e.

The GMC brand of vehicles uses many of the same parts that are used in the Chevrolet lineup. This includes the pickup trucks as well as the SUVs that are produced annually. The truck series is one of the biggest sellers for the GM company and many of the parts like the transmission are interchanged.

The new inventory addition at Got Transmissions is in response to the demand by vehicle owners to purchase from an established retailer without requiring a business license.

The same wear and tear that engines can have can be found on vehicle transmissions. The high mileage that used cars can have can directly affects the gear ratios, springs and electronic sensors that are now used for modern gearbox units. The used and rebuilt editions that are now sold serve as a replacement for high mileage units to help extend the useful life of a used vehicle.

A new online quote system was launched in the summer months to help expedite the pricing ritual that is required for auto parts. This new online form requires a series of mouse clicks to obtain a price, warranty terms and same day shipment information entirely online. This quote system is offered as an alternative to customers that still prefer to call the toll free company number.

A no cost shipping incentive has been included with the new GMC inventory upgrade. All in stock units are eligible for no cost freight if shipped within the 48 continental U.S. states. The news announcement for the integration of the no cost shipping incentive can be found at this link http://www.prweb.com/releases/used-transmissions/Ford-Chevy-Dodge-GM/prweb9423855.htm.

About Got Transmissions

First started online in 2007, Got Transmissions has served the auto parts industry for decades offline. By lowering its pricing and stocking foreign and domestic assemblies, this retailer has been able to expand into all 50 U.S. states. The offering of a complete parts warranty as well as no cost shipping has helped to attract the attention of average vehicle owners. Got Transmissions now sells its inventory to these buyers as well as those that are professionals in the automotive industry. New inventory additions and growth are expected during the 2013 year for this company.

Joey Burtiz
Got Transmissions
1-866-320-1182
Email Information

Source: http://news.yahoo.com/gmc-transmissions-now-sold-public-gottransmissions-com-050235564.html

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Give the Most Enduring Gift, the Gift of Service ? Green Home Blog

Give the Most Enduring Gift, the Gift of?Service

Posted by Jeanne Roberts on December 21, 2012 ? Leave a Comment?

Give the Most Enduring Gift, the Gift of Service

Stockings and wallets and buttons and bows; dishes and quiches and Rudolph?s red nose! But all of it loses its glamour once the holiday season is over and we return to our more or less humdrum lives as admins, librarians, food service workers and sales clerks.

Not so the gift of service, which continues to ?give? for as long as you pledge the service. And what is this gift? It is one hour a month spent preparing or serving food in your community?s homeless or battered women?s shelter. At first it won?t seem like much, but as you get to know the people you are feeding, you will discover that real meaning behind that phrase, ?There but for the grace of God go I.?

It?s a sobering realization that may make you kinder toward your employees or customers, more forgiving toward your awkward adolescents, or at the very least more grateful for the blessings you have. I know it did me.

You can also participate in daily living activities in elder care facilities, or help older people in their homes. Devote an hour or two a month to playing games like cribbage or bridge with elders in an assisted living facility. Bring the outside world in with you; they will love it! Talk about your children, your family, your neighbors, current events, hobbies, whatever.

The more you give older people to think about, the longer they will remain mentally sharp, according to geriatric physicians. This is even true of Alzheimer?s patients, according to the latest research. And in cases where you can preserve some mental acuity, Alzheimer?s sufferers may survive long enough for science to find a cure! You never know until you try, and just ignore the pessimists who say people with this disease can?t understand a word you say. No one has yet proven that true. In fact, the only thing doctors are fairly sure of is that give-and-take is a one-way street for Alzheimer?s, in that they can listen but not speak, etc.

Or give time and care to a single elderly person in his or her own home. For example, devote one-half hour per week helping an older person with grooming (bathing, brushing hair, cutting/and or painting toenails, etc.) This may not seem like much while you are doing it, but just wait until you are 80 with arthritis and try cutting your own toenails!

One of the most rewarding yet saddening gifts of service is time spent on a children?s cancer ward. If you are experiencing a midlife crisis and asking yourself the age-old question, ?Why??, caring for these children even in small ways like playing games or reading books is almost guaranteed to turn your mind and your heart around. In fact, the courage of the very youngest in the face of unbeatable odds may find you changing your entire life, training for a new profession or leaving the beaten path for something as curious and rewarding as volunteer service in developing nations overseas. It can happen, and does happen a surprising number of times.

If your goals are simpler, and your life in the earlier stages of child-rearing and ?nesting?, think about mentoring. It can be through a dedicated program like Big Sisters and Big Brothers, where advantaged individuals help children of poverty or emotionally impoverished homes achieve goals that will ultimately free them from the trap of destitution and/or violence.

Mentoring can also be on a very ?freelance? type basis. For example, your son or daughter makes friends with a young person their own sex and age whose background makes you worry your child might be in danger of becoming delinquent.

Instead of assuming the worst, try mentoring the young rebel. Obviously he or she is drawn to your child?s lifestyle, otherwise the friendship wouldn?t exist. By the same token, enough time spent around your family, whether simply playing video games or eating a family dinner or spending a weekend night to camp out in the backyard may be all the incentive needed for the tagalong to develop hidden skills that will eventually allow for success in life ? however one defines that.

Not being Mary Poppins, I also realize that some young people are bad news, and can do nothing more than lead your pre-adolescent or teen into skipping school, drugs, alcohol, and even more dangerous behaviors. If you try hard but are unable to bridge that social and familial gap in behavior with your child?s friend, feel free to try to prevent or dissolve the friendship, with the understanding that you can never physically prevent your child from ever seeing anyone (at least not short of illegal behaviors).

If, however, you have instilled good values, you can hope your offspring will step out of danger?s path in time to prevent addiction or accidents. For a list of service organizations in your area, contact your Better Business Bureau, your state government, your church or your young person?s school district.

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Source: http://greenblog.greenhome.com/2012/12/21/give-the-most-enduring-gift-the-gift-of-service/

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Christopherson Business Travel ? Managed Travel 2.0: Resources ...

In September I first wrote about the concept of Managed Travel 2.0. In the weeks since, there has been much additional information by way of blog posts, emails, and news, both for and against this concept as it continues to be a ?hot? topic of 2012. While its principles are unique, shocking to some, and encouraging to others, I sense it will be a while before corporations are comfortable giving so much freedom to travelers. Scott Gillespie discusses this in a post on his blog, Gillespie?s Guide to Travel+Procurement, and essentially boils the difference between traditionally managed travel and Managed Travel 2.0 down to one word: Freedom. He lists the principles of Managed Travel 2.0 as follows:

1. Shop anywhere?? period
2. Book anyone ? as long as the supplier is?safe
3. Book anywhere ? as long as employer gets the data fast
4. Book anything ? so long as the trip is in budget
5. Pay with the corporate card

On another site, BusinessTravelNews.com, CEO Alan Tyson discusses his misgivings about this business travel trend in a post called, Perspective: Shooting Holes In Travel 2.0. Having worked with financiers thru the years, I fully understand his concerns. His article goes on to suggest that traveler satisfaction with a trip is not what matters?it?s the traveler?s satisfaction with his organization regarding the trip that does.

The final article to read regarding this idea of Managed Travel 2.0 is by David Jonas, titled, Study: Travel Policies Work, And will Continue To Do So. This study, conducted by the Association of Corporate Travel Executives and AirPlus, reports few signs of employee resistance to traditional managed travel.

Hopefully, these articles and resources will shed a bit more light on the subject and I will surely keep you posted as more is revealed.

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Source: http://blog.cbtravel.com/?p=7981

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Boehner opens door to tax hikes, shifts U.S. fiscal cliff talks (reuters)

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SEO Trends to Keep an Eye On in 2013 - Small Business Trends

As we approach the end of the year it?s obviously a nice time to take stock and make sure all your logistical ducks are in a row, and that?s true of SEO and online marketing as well.

Lots of smart folks have already made some really interesting predictions and talked about key factors to consider in 2013.

I won?t focus on any specific crystal ball work, but I do want to call out five important trends that small businesses will want to keep an eye on in 2013.

1. Link Diversification is Increasingly Important

It?s obviously part of the focus in this post, and indeed it?s a really important SEO issue that?s become incredibly important in 2012 with Google?s Penguin updates, and will likely continue to be important.

From a small businesses perspective the important thing to keep in mind here is that a lot of SEO short cuts (such as spending a couple hundred dollars a month with an overseas SEO firm, or a firm that primarily leverages overseas labor) to get a lot of low-quality links with very aggressive and specific anchor text (meaning if you run Paul?s Plumbing and your company is located in Newton, Massachusetts, you would use ?Newton MA plumbing company? to link to your site).

What Does this Mean for Small Businesses?

The important thing to note here is that it?s not ?always wrong? to get a link with targeted anchor text, and getting a stray link from a site that?s low quality won?t sink your site, but the links to your site need to be a mix of different qualities, with different linking texts, that don?t look the same as a spammy link profile. Some of the other trends will talk a bit more about how best to get there.

2. Content Thickness & Quality is Increasingly Important

Since a lot of those lower cost, more aggressive tactics no longer work, that means that the tactics that do work are and will likely to continue to be things that require more (or ?thicker?) unique content and content of a higher quality. The good news here is that in a lot of ways high quality content works and will continue to work even better, because the lower quality tactics are no longer competing with it in the search results (because that content doesn?t rank).

What Does this Mean for Small Businesses?

The biggest factor here for small businesses is that the $xxx per month outsourced, hands-off link building service will no longer be a viable option for getting quality search traffic. Small businesses will need to start to focus on creating solid content (or having some solid content created for them). In some cases, unfortunately, it?ll become more expensive to maintain the same rankings. The benefits are that this type of content (unlike getting 500 links from forum profiles) can drive referred traffic and have other benefits for your business outside of SEO.

3. Google Authorship May Become Increasingly Important

As Google rapidly updates their algorithm and looks for additional ways to sort signal from noise in search results, one thing to keep an eye on is Google Authorship. For those unfamiliar, this is effectively a means for an author to identify a page or post as his or her work to Google, and those posts are then highlighted in search results with information about the author.

What Does this Mean for Small Businesses?

This is a fairly simple, low-cost opportunity to implement authorship to get some additional ?real estate? in search results for your content, and also to build the authority of your Google profile in the event that authorship becomes a more important ranking factor. There is a great list of resources here that should get you or your developer started on implementing and understanding authorship.

4. The ?Shrinking Organic Search Result?

There has been a lot of talk about Google?s shrinking SERP and the fact that results from a single domain taking up entire search results are getting more prevalent. This can mean that specific domains may get more of the search engine real estate, and/or it can mean that the search results are simply showing more ads and more Google properties.

What Does this Mean for Small Businesses?

Unfortunately this really means that small businesses need to pay closer attention to alternative means of getting attention and traffic outside of SEO ? if Google is ?shrinking? the organic SERP by including more ads, it?ll likely become important for your business to understand how to get included in those ad blocks and how to optimize for them, whether they be traditional AdWords, Google Shopping, or otherwise.

5. Increasing Importance of Mobile & Video in SEO

None of this is news, but more and more people are using smartphones and tablets and the technology around consuming video on the Web is consistently making improvements. None of this is likely to be interrupted into 2013, so it?s important to understand how you can be well positioned to show up in various types of mobile and video search results in 2013.

What Does this Mean for Small Businesses?

The first step here is awareness ? it?s important to think about how your customers and prospective customers behave when they?re looking for you. Not every small business needs to focus deeply on mobile and video, and of course you have limited resources, so ask yourself questions like:

• Do my customers / prospects look for services like mine on smartphones and tablets?
• What sorts of services are they likely to search for my business and businesses like mine on (Yelp, FourSquare, Google? Many of these types of sites and apps outside of Google can become a ?search engine? as soon as someone starts querying them for information)?
• If I create a video is that likely to reach my customers and prospective customers?
• How much effort will it take to better position myself for exposure through mobile or video search?
• Is that effort going to be worth it based on how much of my customer and prospective customer base is I?m likely to reach?

The good news is that while there are a lot of mobile-specific search optimization tactics, much of the work you?d typically do around good old fashioned marketing will help you to rank well in mobile searches. Video for small businesses can be a bit trickier, and of course can have a lot more benefits than just SEO. This is a great guide to thinking through a video strategy ? just from the length of the post you can see there are several moving pieces to consider.

In general, I think most of the trends we?ve seen in 2012 and are likely to continue to see into 2013 are centered around:

• Short cuts & lower cost SEO not working
• Higher quality content and additional work being required to be successful (in some case to maintain or regain the same rankings you?d previously gotten for cheap)
• The higher barrier to entry being an opportunity for some to get very high return for the additional spend and effort required to create good content
• Google continuing to move into certain verticals more and more aggressively, so that understanding additional traffic opportunities through paid channels (and channels completely unrelated to search) becomes increasingly important

So small businesses will want to think about how this should impact their overall content strategy, as well as what it means for SEO as part of an overall marketing mix.

SEO Photo via Shutterstock

About Tom Demers

Tom Demers is a co-founder and managing partner with Measured SEM, a search engine marketing consulting firm specializing in paid and organic search marketing. Learn more about Tom by following him on Twitter @TomDemers or find him on Google Plus.

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Source: http://smallbiztrends.com/2012/12/5-seo-trends-for-2013.html

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Schools in Houston County Georgia - Warner Robins Real Estate ...

View Schools in Houston County Georgia in a larger map

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Whether you are relocating to Houston County Georgia or are already familiar with the area, one of the most important things to consider is where your kids will attend school in the area. Public or private, the schools in Houston County offer prospective students a quality education, a safe learning environment, and have dedicated staff who want your children to excel academically.

As a note, Georgia law requires students attend a public, private school, or a home study program from their sixth to their 16th birthdays. Public Kindergarten is available in every school system, but it is not mandatory. All students are required to use?the?Georgia Department of Education, Georgia Performance Standards curriculum.

Houston County Board of Education
1100 Main Street
Perry, GA 31069-3531
Phone: (478) 988-6200
Fax: (520) 568-5110

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Houston County Georgia Elementary Schools

Bonaire
101 Elm Street
Bonaire, GA 31005
Phone: (478) 929-7826

Centerville
405 N. Houston Lake Boulevard
Centerville, GA 31028
Phone: (478) 953-0400

David A. Perdue
115 Sutherlin Drive
Warner Robins, GA 31088
Phone: (478) 988-6350

Eagle Springs
3591 Highway 41 North
Byron, GA 31008
Phone: (478) 953-0450

Hilltop
301 Robert Bryson Smith Parkway
Bonaire, GA 31005
Phone: (478) 929-6113

Kings Chapel
450 Arena Road
Perry, GA 31069
Phone: (478) 988-6273

Lake Joy
985 Lake Joy Road
Warner Robins, GA 31088
Phone: (478) 971-2712

Lindsey
81 Tabor Drive
Warner Robins, GA 31093
Phone: (478) 929-7818

Linwood
420 Education Way
Warner Robins, GA 31098
Phone: (478) 929-6360

Matt Arthur
2500 Highway 127
Kathleen, GA 31047
Phone: (478) 988-6170

Miller
101 Pine Valley Drive
Warner Robins, GA 31088
Phone: (478) 929-7814

Morningside
1206 Morningside Drive
Perry, GA 31069
Phone: (478) 988-6261

Northside
305 Sullivan Road
Warner Robins, GA 31093
Phone: (478) 929-7816

Parkwood
503 Parkwood Drive
Warner Robins, GA 31093
Phone: (478) 929-7822

Pearl Stephens
215 Scott Boulevard
Warner Robins, GA 31088
Phone: (478) 929-7895

Quail Run
250 Smithville Church Road
Warner Robins, GA 31088
Phone: (478) 953-0415

Russell
101 Patriot Way
Warner Robins, GA 31088
Phone: (478) 929-7830

Shirley Hills
300 Mary Lane
Warner Robins, GA 31088
Phone: (478) 929-7824

Tucker
1300 Tucker Road
Perry, GA 31069
Phone: (478) 988-6278

Westside
201 Pleasant Hill Road
Warner Robins, GA 31093
Phone: (478) 929-7820

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Houston County Georgia Middle Schools

Bonaire
125 Highway 96 East
Bonaire, GA 31005
Phone: (478) 929-6235

Feagin Mill
1200 Feagin Mill Road
Warner Robins, GA 31088
Phone: (478) 953-0430

Huntington
206 Wellborn Road
Warner Robins, GA 31088
Phone: (478) 542-2240

Mossy Creek
200 Danny Carpenter Drive
Kathleen, GA 31047
Phone: (478) 218-7538

Northside
500 Johnson Road
Warner Robins, GA 31093
Phone: (478) 929-7845

Perry
495 Perry Parkway
Perry, GA 31069
Phone: (478) 988-6285

Thomson
301 Thomson Street
Centerville, GA 31028
Phone: (478) 953-0489

Warner Robins
425 Mary Lane
Warner Robins, GA 31088
Phone: (478) 929-7832

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Houston County Georgia High Schools

Houston County
920 Highway 96
Warner Robins, GA 31088
Phone: (478) 988-6340

Houston County Career Academy
1311 Corder Road
Warner Robins, GA 31088
Phone: (478) 322-3280

Northside
926 Green Street
Warner Robins, GA 31093
Phone: (478) 929-7858

Perry
1307 North Avenue
Perry, GA 31069
Phone: (478) 988-6298

Veterans
304 Piney Grove Road
Kathleen, GA 31047
Phone: (478) 218-7537

Warner Robins
401 South Davis Drive
Warner Robins, GA 31088
Phone: (478) 929-7877

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Other Schools in Houston County Georgia

Lake Joy Primary
995 Lake Joy Road
Warner Robins, GA 31088
(478) 953-0465

Perry Primary
1530 Sunshine Avenue
Perry, GA 31069
(478) 988-6160

C.B. Watson Primary ? Under Construction
401 Dover Street
Warner Robins, GA 31088

Houston County Crossroads Center ? Alternative School
303 South Davis Drive
Warner Robins, GA 31088
(478) 929-7828

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Houston County Georgia Private Schools

Houston County GA has several private schools, some of which are identified below.? Check with the individual school for enrollment, grades covered, and class times.

Christ United Methodist School
511 Russell Parkway
Warner Robins, GA 31088
(478) 923-2867

Christian Fellowship Academy
621 Walnut Street
Warner Robins, GA 31093
(478) 975-0806

Sacred Heart Catholic School
250 S. Davis Drive
Warner Robins, GA 31088
(478) 923-9668

The Westfield School
250 S. Davis Drive
Perry, GA 31088
(478) 923-9668

Warner Robins Christian Academy
2601 Watson Blvd
Warner Robins, GA 31093
(478) 922-1201

Westside Christian Academy
1101 Dunbar Road
Warner Robins, GA 31093
(478) 784-9153

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Houston County Georgia School Links

Houston County Board of Education

HOCO Graduation Requirements

Houston County GA Bus Routes

Houston County School Zones

Houston County Schools ? Wikipedia

So, What Schools are the Best in Houston County?

As always, Houston County School information is provided as a courtesy by Anita Clark Realtor?with Coldwell Banker SSK in Warner Robins GA.

~ Anita ~

?

About Anita Clark Realtor

Anita Clark has written 876 posts on this blog.

Anita Clark Realtor+ sells Warner Robins Real Estate and provides community information as a service to the public. You can contact her at (478) 960-8055 or via email at anita@cbssk.com.

Source: http://sellingwarnerrobins.com/2012/12/schools-in-houston-county-georgia-2/

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Efficient Storage Solutions Using Your Garage | Home Improvement ...

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Source: http://kumanagra.blogspot.com/2012/12/efficient-storage-solutions-using-your.html

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Source: http://besypefog.posterous.com/efficient-storage-solutions-using-your-garage

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Fidel Castro named candidate for Cuban National Assembly

HAVANA (Reuters) - Former Cuban leader Fidel Castro's political career may go on for a while, at least symbolically, even though he no longer holds the country's top political positions.

He is still a member of the National Assembly and on Sunday was nominated for another term, despite not having attended any regular sessions during the current legislature and the fact that he is rarely seen or heard from anymore.

Elections for a single slate of deputies for the single chamber legislature are held every five years, with the candidates nominated by municipal governments after selection by commissions.

The election is scheduled for February 3, 2013.

"The leader of the Cuban Revolution, Fidel Castro Ruz, will head up the representation of 25 candidates to the Cuban parliament for the Santiago de Cuba municipality," Cuban television said on Sunday.

Castro, 86, handed over the presidency to his brother Raul in 2008, and the younger brother, 81, succeeded him as First Secretary of the Cuban Communist Party in 2011.

The elder Castro underwent life-threatening intestinal surgery in 2006, from which he never fully recovered.

Castro nevertheless was elected to the National Assembly in 2008, his seat on the podium next to his brother Raul remaining empty ever since.

Raul Castro was also nominated as a deputy on Sunday. To formally remain president he must be a deputy in the assembly.

The municipal councilors in Santiago de Cuba unanimously approved the brothers' nominations. Since 1976, they have represented Santiago, the cradle of their revolution.

At its first session in February, the National Assembly must ratify the country's top political jobs.

Fidel Castro last appeared in official photographs in October, when he was shown walking outside on a sunny day on what appeared to be a farm.

He wore a straw hat and red plaid shirt, and used a walking cane.

The pictures were published to squash rumors he was dead or dying because in June he abruptly stopped writing the regular columns he had published in the official media since taking ill.

An article, written by Castro and which accompanied the photographs, announced he had given up his local media columns.

"I stopped publishing 'Reflections' because surely it is not my role to occupy the pages of our press, dedicated to other work the country requires," he said.

As for how he spends his time now, Castro wrote, "I like to write, and I write. I like to study, and I study."

Castro wrote a message to the Venezuelan people on Saturday, in which he hailed his prot?g? and the South American country's president, Hugo Chavez.

Chavez is currently recovering from a fourth cancer operation in Cuba amidst speculation he will not be able to begin a new term as president in January, after winning re-election in October.

(Reporting By Marc Frank; Editing by Jeff Franks and Jackie Frank)

Source: http://news.yahoo.com/fidel-castro-named-candidate-cuban-national-assembly-213609112.html

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Michigan Senate OKs new emergency manager proposal

LANSING, Mich. (AP) ? The Republican-led Michigan Legislature cleared the way Thursday for GOP Gov. Rick Snyder to sign a replacement for an emergency manager law struck down by voters, delivering another punch to Democrats still reeling from this week's passage of right-to-work legislation limiting unions' power.

The Senate approved the legislation mostly along party lines that contains key provisions from the rejected law but comes with more choices for local school districts and communities deemed by the state to be in a financial emergency. The House passed the bill Wednesday night.

The new version proposed by Snyder and GOP legislative leaders gives four options to those governments: accepting an emergency manager; undergoing bankruptcy; going through mediation; and entering a consent agreement similar to an existing one between the state and Detroit.

The legislation also includes a $770,000 appropriation to cover managers' salaries, a provision that would prevent a second defeat at the polls because spending bills are legally shielded from referendums.

As with the rejected law, the manager would have the power to change or cancel contracts, but local officials also could develop an alternative plan provided it generates equal financial savings. Should a local government choose an emergency manager, the state would pay for the manager, and local officials would have the option of removing the manager after one year and with a two-thirds vote of its governing body.

The state has been operating since under a previous law that gives managers fewer powers, but leaders argue it's inadequate to deal with failing cities or schools.

Snyder and other backers of the plan argue adding the choices and other steps to provide more local input respect the will of the voters.

Democrats see it as a blow to democracy because it subverts local control. They say it's the same as the rejected law with an opportunity for distressed communities to "pick their poison."

Highland Park Democratic Sen. Bert Johnson offered several changes that failed to garner support, including one that would have enabled a consent agreement between the state and financially struggling local government that's "binding to both parties" and lasts for no more than two years.

"What we need is a partnership," he said. "We do not need a dictator in Lansing."

Hillsdale Republican Sen. Bruce Caswell said he voted no because he was "following the dictates" of his constituents who voted against the emergency manager bill.

Opponents also contended the measure was being rushed similar to the way right-to-work legislation reducing union strength sailed through the legislative process in recent days amid widespread protests at the Capitol. But supporters noted that the emergency manager bill was considered during a committee hearing this month.

Senate Majority Leader Randy Richardville disputed critics' claims that it's merely a rehash of the failed law with poisonous extras.

"There are very different paths they can take," he said. "These are usually people who are in a situation that has a financial emergency. They're saying, 'Don't help us, don't help us, and you give us another option, we don't like that either.' The problem isn't being solved."

Richardville said the only option some local officials are leaving themselves is bankruptcy.

"And they'll have the option to choose that if they want, but I don't think they'd be representing their people very well if they did that," he said.

The new emergency manager proposal was announced last week on the same day that Michigan Treasurer Andy Dillon said he'll likely order a review of Detroit's municipal finances, a 30-day process that could lead to a state takeover of its largest city that's deep in debt and has a budget deficit of more than $200 million.

Since the spring, Detroit and the state have been partners in a consent agreement that allows limited state oversight of Mayor Dave Bing's fiscal restructuring plans. Tied to the deal is millions of dollars in bond money held in escrow by the treasurer's office and released to Detroit when certain benchmarks are achieved.

The deal averted the placement of an emergency financial manager in Detroit.

Managers are in place in Benton Harbor, Ecorse, Flint, Pontiac and Allen Park, as well as in the Muskegon Heights, Highland Park and Detroit school districts.

Source: http://news.yahoo.com/michigan-senate-oks-emergency-manager-proposal-232949504.html

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Audiovox mobile phone accessory, for the most ... - Stephen-????

Cellular phones have become among the most functional contemporary devices. It?s changed from being a magnificent toy for young professional into a requirement for the multi dimensional life of these young professionals. Nevertheless, cellular phones have different use for different people. Now, children sport a mobile phone as a practical display, they consider it part of their closet and possess having this contemporary unit inside complete get fully up. Nevertheless, this is simply not the function of cellular phone to the business enterprise world. They?re necessities and perhaps not for dressing. Because of the effectiveness of cell phones and the growing need and want for easy conversation, makers are quick to benefit from this thriving market. Cellular phones and cellular phone accessories now flood industry with different patterns and different features. Different cellular phone models and components including Audiovox cellular phone accent comes in beautiful and functional types.

Audiovox cellular telephones and Audiovox cellular phone accessory may be such practical and comes with designs which are light and of beautiful designs. Audiovox cellular phone accessory such as for instance advanced power cord is just a flexible power cord includes cellular phone conditioning potential. Audiovox cellular phone equipment also include a hip clip case that can be useful even when your cellular phone isn?t Audiovox. In addition, Audiovox cellular phone equipment such as for instance ear glove and headsets produce a hands-free cellular phone purpose that can help you keep your hands on the wheels. This may avoid accidents as a result of one hand driving and reduced attention on the highway. Moreover, the over hearing lightweight hands-free equipment from the wide array of Audiovox cellphone accessory point also functions to supply hands free telephone and had an integrated function that reduces back ground noise. You will hear demonstrably the individual on the other point, whilst driving or doing other stuff. There?s also that Jabra style of Audiovox mobile phone accessory, which is a headset that provides hands-free telephoning. Jabra is small, lighter that stylish; and other headphones in addition it functions as a speakerphone and thus is really a more useful device for your mobile phone.
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All these prove that Audivox cellular phone and Audiovox cellular phone item line are practical and technologically progress. Audiovox cellular phone accessory is a multi-functional accessory, it can work well with Audiovox cellular phone but it can also perform its efficiency with other cellular phone manufacturers.

There is also that Audiovox cellphone equipment like the multi-functional antennae, this is attached to your car while you travel, and it functions well when you communicate with another individual on the other point while the car is in motion. There are other antennas that limits their functions whenever you are cellular, not the antennae from the Audiovox cellphone accessory line. This Audiovox cellphone item design of antennae is extremely helpful for people and corporate executives. Make an effort to find an cellular phone and the matching Audiovox cellular earphone accent for your communication requirements, If you?re looking for functionality in your cellular phone. They?re very good for young professional who endeavor doing many things are the same time. Audiovox cellular phone accent point and your Audiovox cellular phone can accompany your very active lifestyle.

Source: http://stephen.longtermly.org/?p=33276

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UBS may face $1 billion fine in rate-rigging case

4 hrs.

Reuters

Swiss bank UBS faces a combined fine of about $1 billion to settle charges of rigging the Libor interest rate benchmark early next week, a person familiar with the situation said on Thursday.

Such a penalty would be more than double the $450 million fine levied on British bank Barclays?in June by U.S. and British regulators and would be the third massive U.S. fine to hit big European banks this week.

"The global settlement is about $1 billion. It's expected early next week, on Monday or Tuesday," the source said. UBS declined to comment.

UBS declined to comment. Britain's Financial Services Authority and the U.S. Department of Justice and the Commodity Futures Trading Commission (CFTC) all declined to comment.?

Too big to fail means too big for jail

Barclays was the first - and so far only - bank to settle charges of rigging the London interbank offered rate, known as Libor, a benchmark used for trillions of dollars worth of loans around the world. Tiny shifts in the rate, compiled from daily polls of bankers, could benefit dealers in complex products.

The fallout from the scandal forced Barclays' chairman and chief executive to quit and prompted a political and public backlash against standards in banking across Europe and the United States. That was partly due to details in the Barclays settlement showing how traders brazenly gamed the system.

Libor is used to price financial products worth more than$300 trillion worldwide and regulators across the world are investigating more than a dozen banks for alleged rigging of rates going back to 2005 or even earlier.

This week British police and anti-fraud officers made the first arrests in connection to the probe, detaining a former trader and two other men,sources said.

One of those arrested was former UBS and Citigroup trader Thomas Hayes, according to a source familiar with the situation. The two others worked at inter-dealer broker RP Martin, according to a separate source.

The fine will mark another blow to UBS, which has had atough 18 months after suffering a $2.3-billion loss in a rogue trading scandal,management upheaval and thousands of job cuts.

"I'm not sure how much more reputational damage can bedone to UBS," said Chris Wheeler, analyst at Mediobanca in London."They are rebuilding that slowly, but it won't help the wealth management businesswhen you see this as a headline."

Banks are keen to put such fines behind them as they attemptto rebuild credibility among politicians, the general public and investors followingthe financial crisis which forced taxpayers to bail out companies which hadgambled themselves into trouble.

After months of criticism about poor standards and a cultureof immorality, incompetence or both across the banking industry, banks' profitsand capital are also taking heavy hits and more fines for past malpracticeappear likely.

"The trend is this is now an ongoing cost of doingbusiness," said Wheeler at Mediobanca. "It looks like it's going tobe a drain on the banks for some time."

HSBC on Tuesday reached a $1.92 billion settlement with U.S.authorities over money laundering, the highest ever fine on a bank, a day after another London-based bank, Standard Chartered, agreed to pay $327 million for violating U.S. sanctions against Iran, Sudan and other states, adding to an earlier $340 million for similar breaches of regulations.

Deutsche Bank, Germany's flagship lender, was raided on Wednesday by about 500 German tax inspectors and police, who arrested five staff in a probe linked to a tax scam involving the trading of carbon permits.

Britain's Royal Bank of Scotland is also expected to reach a settlement on Libor manipulation shortly.

Investigators are assessing whether banks used responses to the daily survey of the rates they would offer to other banks to try to nudge Libor,perhaps by only a few hundredths of a percentage point. Such a move could still benefit their own trades in bonds or more complex deals linked to that rate.

Banks found guilty also face civil lawsuits from those they traded with. Some borrowers complain they paid more interest than they should have,although others may have paid less.

Reuters' parent company Thomson Reuters collects information from banks and uses it to calculate Libor rates according to specifications drawn up by the British Bankers Association.

Source: http://www.nbcnews.com/business/ubs-may-face-1-billion-fine-rate-rigging-case-1C7596678

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