Friday, August 31, 2012

EVTrib: Mayor: Gunman in grocery shootings killed himself http://t.co/LcYAOdzi

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No guarantees

LA ramps up with huge trade, but this team has plenty of hurdles

Image: Miami Marlins v Los Angeles DodgersGetty Images

Adian Gonzalez, 30, brings solid production, great defense and a Mexican heritage that should make him a big plus for the Dodgers, NBCSports.com contributor Tony DeMarco writes.

OPINION

updated 8:24 p.m. ET Aug. 30, 2012

Tony DeMarco

For all the hype created and long-term expense added, the Los Angeles Dodgers' talent/payroll accumulation guarantees them exactly nothing. Not for the rest of this season. And not beyond 2012.

And nobody knows it better than manager Don Mattingly.

"We don't think that we're going to show up and win, just because we got new guys," Mattingly said. "We're pretty realistic. We've got to play, and we know it."

We've never seen this big of a roster-altering deal this late in a season. Last week's blockbuster deal with the Red Sox rendered the July 31 non-waivers deadline irrelevant, and the Dodgers' talent grab since the All-Star break has grown their booklet of new player biographies to 25 pages, front and back.

And to ask a dramatically made-over roster, with eight new players added in the past six weeks, to put everything together, erase a short deficit in the standings and earn a playoff spot might be a stretch.

"I think we all know that we're in a short-term, short-run, sprint situation, and anything can happen ? no matter what kind of guys you have playing," Mattingly said. "To me, our challenge is what kind of baseball are we going to play? What are we going to be?"

The immediate answer hasn't been pretty. The Dodgers arrived at Coors Field on Monday off two home games following the mega-deal, and by the time they left town, were facing a list of sobering issues.

We're not just talking about 10-0 and 8-4 losses before a sweep-avoiding 10-8 victory Wednesday tainted by the Rockies' seven-run bottom of the eighth.

Matt Kemp bruised a knee, hurt his jaw and dented the center-field wall on a scary-looking attempt at Josh Rutledge's triple Monday, but he should be back soon enough a day or so.

Closer Kenley Jansen again is dealing with a heart-related issue that has sidelined him indefinitely. Concern was raised Monday, when he came into the blowout and quickly added to the deficit. After not pitching for five days, he didn't have his usual velocity, and was knocked around for four runs in 2/3 innings. Nobody knows when we'll see him on the mound again.

There also is concern that Chad Billingsley's latest elbow issue might shut him down for the rest of the season, costing the Dodgers their most-effective starter of late. Before going on the disabled list, Billingsley had gone 6-0 with a 1.80 ERA.

You know how crucial those two losses could be when Mattingly says, "it's still going to get back to our pitching. We have to pitch well enough every day to keep us in games." Look for the Dodgers to try to make another trade, although at this point, there isn't much left to acquire.

And one more thing. Make no mistake ? the Rockies, Giants and rest of the National League will be gunning for a team that has picked up the "Yankees of the West" tag. Why, the Rockies' Jim Tracy managed the Dodgers' series as if it was his team's playoffs.

Facing deficits of 3 1/2 games in the NL West and 1 1/2 games in the wild-card race, the Dodgers' final five weeks will bring a very challenging schedule ? more so than those of the Giants, Pirates and Braves.

Unlike the Giants, who will stay entirely within the NL West after this weekend's series against the Cubs, the Dodgers will face a crucial 10-game, out-of-division stretch Sept. 13-23: four games vs. St. Louis, three in Washington, and three in Cincinnati. The Dodgers also have six more cracks at the Giants: Sept. 7-9 in AT&T Park, and a season-ending series Oct. 1-3 in Dodger Stadium.

In contrast, the Braves have only two series remaining against playoff contenders: at home Sept. 14-16 against the Nationals and a season-ending series in Pittsburgh.

The Pirates already are done with the Cardinals, and other than that season-ending series against the Braves, will play only six games against a playoff contender: home-and-home series with the Reds.


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No guarantees

DeMarco: For all the hype created and long-term expense added, the Dodgers' talent/payroll accumulation doesn't make them a lock. Not for the rest of this season ? or beyond.

D-backs beat Dodgers for 7th straight time

LOS ANGELES (AP) - Ian Kennedy pitched two-hit ball into the seventh inning and Chris Young hit a two-run homer off Clayton Kershaw to help the Arizona Diamondbacks beat the Los Angeles Dodgers 2-0 Thursday night, snapping a six-game skid.

Source: http://nbcsports.msnbc.com/id/48847448/ns/sports-baseball/

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YC-Backed Private Photo-Sharing App Everyme Raises $2.15M From Tencent And Others

everyme_iconSo you've got your photos on Facebook, and you've got them on Instagram, and on Path. But what about that stuff that you don't want everyone to see? Just some people? That's what group photo-sharing app Everyme is for. And it's just raised an additional $2.15 million to get more people using it. Everyme is Y Combinator-backed mobile startup that allows users to create groups for private photo sharing. The startup launched its iPhone app in April, and followed that up with an Android app and Instagram integration a month later. CEO Oliver Cameron confirmed that Everyme has raised an additional $2.15 million in a Series A round led by Chinese Internet giant Tencent, with participation from its existing angel investors.

Source: http://feedproxy.google.com/~r/Techcrunch/~3/cH4mMNtEUbw/

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Thursday, August 30, 2012

What are the Best Diets for Quick Weight Loss? Get The Answer ...



There are these among us who want to lose a couple of pounds relatively than 20 or extra pounds. While many people could be grateful if that had been the case for us, most will find that the smaller the quantity of weight wanted to lose the more difficult it seems to remove. The good news is that these with little weight to lose typically do not face the painful issues with train and bodily exercise that plague those with much more weight to lose.

When dieting for weight reduction some of the common complaints is consistently feeling hungry. With a view to help combat this, you would possibly need to incorporate some of the following methods into your dieting program. Initially, eat more excessive fiber foods. Entire grains, apples, pears, and lima beans are a great source of fiber as are many breakfast cereals. Straightforward does it nonetheless in terms of fiber as it may be filling but there are some disagreeable side effects which will accompany heavy fiber consuming (do not forget that beans are an excellent supply of fiber). Attempt utilizing a product equivalent to Bean-o when consuming larger quantities of fiber. You might also try spreading your fiber consumption all through the day slightly than consuming all your every day fiber at once.

The thing that far too many individuals overlook along the best way is that weight-reduction plan can only get you thus far in terms of results. There will come a time when weight coaching and cardio workout routines of some type are the only thing that's going to get you to the physique you so rightly desire. Weight-reduction plan is sweet for dropping the kilos, but dieting alone is unlikely to bring you the body of your dreams. You also needs to take into account that exercising and ramping up your fitness routine is an effective way to resume your dedication to the method and your enthusiasm. That is significantly true when you've got discovered a health routine that's appealing to you.

The fitness routines of as we speak aren't the drained old aerobics workout of the 1980's. You have many options starting from kick boxing, Tae Bo, Yoga, Pilates, and even stomach dancing for those that dare. The purpose is that you are not as restricted as chances are you'll think in relation to entertaining options for your exercise routine. Find a exercise that you would be able to truly be enthusiastic about doing and do it. There may be a whole lot of fact to the outdated Nike commercials that boldly proclaimed: "Just Do It". Whatever it may be in your fitness routine, it will not do itself. You have to be an energetic participant in your weight loss and health endeavors with a purpose to achieve any results that shall be favorable.

Do not go "Gung Ho". There are limits to what the body and the thoughts can handle. Once you go on a food plan you make a drastic change to your bodies caloric intake. For those who go overboard you may result in well being dangers alongside the way. Start slicing calories just a little at a time and incorporate adjustments as you go slightly than stepping into with an all or nothing attitude. In case you go overboard together with your weight-reduction plan plans likelihood is that you are dooming your weight loss plan to failure

Whether your weight loss and dieting goals are to shed a few kilos or many kilos along the best way it's quite probably that you'll at some point attain a plateau wherein you uncover that it is advisable to ramp up both your stage of bodily exercise or calorie burning strategies or you have to to ramp up your calorie cutting exercises. Both method, coping with the setback is nearly as vital as your choice to lose these kilos within the first place. Get back within the sport and renew your efforts. In no time you must have misplaced those few pounds that you had been hoping to lose and established the body you have been aiming to create.

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walling stone,Concrete Paving - Sandstone Paving and Walling For ...











Sandstone is formed from sand or quartz particles cemented together. It is a building material that boasts of being fireproof and resistant to the beating of the elements. For your outdoor home improvement project, sandstone is a very wise investment indeed.

The Strengths of Sandstone Walling Stone

Sandstone walling stone can be purchased in bricks, tiles and slabs. For walling stone, bricks and blocks are most commonly used.

Many homeowners have built strong perimeter or garden walls simply by stacking sandstone walling stone one on top of the other. Irish homes used to be built this way. Some though prefer to use mortar to hold the bricks and blocks together. Whether you want to build your wall in the traditional dry-stack fashion or mortared, you can use sandstone walling stone without worrying about its durability or strength. Sandstone walling stone can also be used for wall cladding. Try to view online galleries of homes with sandstone walling stone to see just how gorgeous they are in subtle hues of blue, brown and red. Sturdy as it is though, sandstone walling stone is sensitive to acids and salts so get a professional to apply the right type of sealant for your wall. This helps protect your walls and keep it from cracking or flaking.

When installed and cared for properly, sandstone Walling Stone can do wonders to the beauty of any home or landscape. It need not be painted because it comes in a wide range of color like black, gray, white, brown, red, pink and yellow.

Sandstone paving is just as charming. Here are some of its advantages.

The Advantages of Sandstone Paving

Sandstone paving is slip resistant which is why it is a favorite for outdoor living spaces. Even in areas frequently wet by the rain, sandstone paving prevents dangerous slip accidents.

Sandstone Paving can be done it two ways. It can be glued together by mortar or be set in sand. When set in sand, sandstone paving can hold itself together even during an earthquake. It is known to be strong even against extreme weather conditions. Sandstone paving can bear great weight without being damaged.

Interior designers love sandstone paving because of its natural beauty. It certainly works better than synthetic building materials in creating a very relaxing outdoor living space. A natural stone, sandstone paving blends well with any type of landscaping.

Whether it is for walling or paving, sandstone truly is a premier building material for the outdoors.

Stone Seller offers massive savings on a wide range of top brands of garden landscaping products , including Garden Paving , Stone Pavers , Natural Stone Paving , Paving Block , Stone Pavers , Concrete Paving , Paving Slabs and other associated landscaping materials that we can deliver direct to your door www.stoneseller.co.uk

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Let Us Ensure Your Safety


by Marianne Anderson
Send Feedback to Marianne Anderson
Request Reprint | Print | About Author | Report Problem | Tweet This The team at Mr. Electric is dedicated to assisting everyone with all of their electrical needs. Whether you are in need of new wiring for your home or are looking to install electrical appliances, you can rely on us for assistance. In addition to offering quality services, Mr. Electric is dedicated to offering the best electrical advice. We want to help prevent electrical accidents and also make you aware of necessary precautions you can take to save money.

Safety

The safety of every household and business is our main concern. Mr. Electric wants to share precautions that you can take at home or at the work place to ensure your safety.

1.If you have small children in your household, you are aware of the fact that children can and sometimes will go near electrical outlets. In order to prevent children from touching the outlet or inserting foreign objects into the outlet, it is best to take necessary precautions. Electrical outlet covers are a great way to prevent this. There are many different options of covers you can insert into the outlet when it is not in use to ensure your child's safety.

2.Whether you are at home or at your work place, it is important to keep any objects off of electrical cords. When objects are placed over the cord, there is a chance that the cord can be damaged and this may cause shortages or a fire when the cord is plugged in to an outlet. It is important that you are always aware of this at all times.

Save Money

One way to efficiently save money on your electric bill is to be aware of all of the electrical devices that are on or running in your home at all times. For example, if you take a few minutes to check all of the rooms in the house to see if the lights are on, you may notice that one or a few may be on unnecessarily. You can also take these measures for appliances, air conditioners, electrical heaters and more.

Contact Mr. Electric today for all of your electrical needs and do not hesitate to inquire about other safety precautions and money saving tips. We are dedicated to assisting you.

Mr. Electric offers quality electric services to residential and commercial customers in Atlanta, Marietta, Cumming, Lawrenceville, Roswell and surrounding areas in Georgia.

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Marianne Anderson

Marianne Anderson's website
mrelectriconline@gmail.com

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Keywords: Mr. Electric, electrical safety, conserve electricity

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Satisfactory vs. Great Customer Service: When User Friendliness ...

By Stefan Hoffmann, Industry Solution Manager, itelligence AG

If you?re in the tertiary sector of the economy, specifically working in the business of improving business and helping other companies, like consulting, technology and professional service firms, you have to practice what you preach. This is most important with customer service.

In itelligence?s case, we work with companies?to provide a broad range of consulting and customer support services to maximize SAP solutions, including implementations, business intelligence, application management services and hosting. This includes powerful tools that SAP has developed and enhanced over the years.

However, our work goes beyond the implementation stages. Based on our mass number of industry specific implementations, we have seen a growing demand, commonalities from within trades, and evolving trends that call for even more user-friendly tools to make more use of SAP solutions. itelligence customizes solutions that cover a company?s entire value chain, which can be implemented and operated transparently and quickly within sensible cost parameters. By pre-configuring an industry solution, we set up the majority of processes in advance as part of a complete solution.

Saving Time and Money

What it all comes down to is saving time and money. But, our clients shouldn?t be the only ones benefiting. That?s why we always practice what we preach as it relates to implementation. Like our clients, we promote additional tools that we have developed in order to capitalized on the extended ERP landscape to fit our exact business needs, ensure efficiency and provide customers the highest level of service.? This is accomplished by adding business processes that are typical to a select industry, additional functionality, and fine-tuning the tools that SAP delivers. ??

However, in many different industries, numerous companies are still struggling with integration. While the customer service department may takes orders, they may have no idea of what?s in the warehouse, what?s involved with the supply chain, logistics, etc.

What does ERP bring to the table? Simply put, it connects the different departments. For example, when a customer service rep takes a phone call, they can address other department-specific questions: Do you have product ?A?? Yes, we have 15 in the warehouse; and yes, you have enough credit to buy them from us; and so-forth.

By consolidating all the pieces into a cockpit screen, customer service reps have access to a 360-degree view that provides a central point for all required information with just one click. The flexible, user-friendly system increases our productivity and time management.

Industry specific templates that fit on top of SAP ERP

When companies attempt to complement their existing ERP systems with an industry specific solution, they often create a worse situation. Bolt-on applications frequently lack the right integration points, requiring the purchase or development of an additional interface.

For example, companies without process integration understand the chaos that results from having one system that tracks leads, another that monitors opportunities, and yet another that creates sales or service orders. Best practices with process integration and industry-specific, fine-tuned solutions can be ready to use on day one, out of the box if they are customized and fit for the ERP system.

?Closing the gap from functionality to usability

Applications must focus specifically around customer service.? itelligence?s one-click cockpit approach makes servicing clients easier, quicker and more effective. For example, by adding solutions that bring everything up front and are more user-friendly, customer service call times can be reduced to enable representatives to field more calls. Even more, the entire management of the customer is integrated across all essential business processes and depicted in such a way that it is transparent for everyone involved. From new customer acquisition to order processing to customer service ?business processes are more efficient, more expeditious and more cost-effective. This places best practice processes for supporting:

  • Interaction Center ? Maximize customer loyalty, cut costs, and boost revenue by transforming the customer interaction center into a strategic delivery channel for marketing, sales, and service efforts across all touch points.
  • Service ? Drive service revenue and profitability with functionality that helps to better manage complaints and returns.
  • Sales ? Acquire, grow, and retain profitable relationships with functionality that helps to better manage sales performance, accounts, contacts, opportunities, and order management.
  • Analytics ? Get real-time visibility to key performance indicators for sales and marketing, which can help you make quick, effective decisions; generate and convert more leads; track opportunities; and close more deals.
  • Marketing ? Align marketing processes, drive customer demand, and increase marketing ROI using functionality that helps to better manage target groups, campaigns and leads.

By combining industry best practices together with itelligence preconfigured and comprehensive industry solutions, companies can now manage their customers and their sales effectiveness together with business operations in one easy-to-use solution.

Final Thoughts

Delivering great customer service is still very possible, and it can make or break your business. The tools must be highly effective.

IT decision makers must be willing to invest the time in finding the right solution and approach integration with their ERP system, meeting specific business needs and objectives. SAP and itelligence are making it easier than ever for companies to quickly benefit from intuitive user experiences with wider and better access to more powerful, actionable data than ever before.

Is your company ready to make its customer service great?? How can we help you take it to the next level???

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Source: http://blog.itelligence.ag/2012/08/30/satisfactory-vs-great-customer-service-when-user-friendliness-becomes-more-friendly/

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Breast Cancer Drug Could Help Prostate Cancer Patients' Side ...

Breast Cancer Drug Helps Prostate Cancer Patients' Side Efects

The breast cancer drug tamoxifen may reduce some side effects of men undergoing prostate cancer treatment, according to a new study?published August 27 in the journal BMC Medicine.

The study involved researchers who looked at four different studies of men with prostate cancer, reports Fox News. The study discovered that, when the men?s treatments were supplemented with tamoxifen, they were less likely to see breast enlargement and breast pain than those who did not take the breast cancer drug.

The researchers showed that men who took tamoxifen were 10 percent less likely to have breast enlargement after six months and six percent less likely to experience breast cancer. The tamoxifen breast cancer drug works to counteract the effects of estrogen on breast tissue.

The breast cancer drug was also able to prevent these side effects of prostate cancer treatment better than other drugs like anastrozole, which also counteracts estrogen?s effects but in a different way. Men tend to stop prostate cancer treatments because of the growth of breast tissue and breast pain, according to the researchers.

Lead study author Dr. Frank Kunath of the University Clinic Erlangen in Germany stated that:

?If men know that there is a successful option for reducing the breast symptoms associated with treatment for prostate cancer, they may be more likely to see their doctor when symptoms of cancer first appear, and consequently reduce the number of unnecessary deaths.?

US News went on to note that Dr. Kunath also stated:

?Not all men will suffer [breast enlargement] during anti-androgen therapy. However, if men know that there is a successful option for reducing the breast symptoms associated with treatment for prostate cancer, they may be more likely to see their doctor when symptoms of cancer first appear, and consequently reduce the number of unnecessary deaths.?

The researchers also showed that few of the prostate cancer patients who were treated with the breast cancer drug tamoxifen stopped taking their medication during the year-long treatment, and the drug also caused no significant side effects.

Source: http://www.inquisitr.com/315325/breast-cancer-drug-could-help-prostate-cancer-patients-side-effects-study/

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Friday, August 17, 2012

AT&T and Verizon Expand Their 4G LTE Networks | Android x IPhone

AT&T LTE - Verizon expanded its 4G LTE network in 34 new markets today while the network has also become more widespread in 38 other markets.

4G network technology

ATT and Verizon Expand Their 4G LTE Networks 300x198 AT&T and Verizon Expand Their 4G LTE Networks

AT&T and Verizon Expand Their 4G LTE Networks

In telecommunications, 4G is the fourth generation of cell phone mobile communications standards. It is a successor of the third generation (3G) standards. A 4G system provides mobile ultra-broadband Internet access, for example to laptops with USB wireless modems, to smartphones, and to other mobile devices. Likely applications include amended mobile web access, IP telephony, gaming services, high-definition mobile TV, video conferencing and 3D television.

Verizone covers 75 % of USA through its 4G network

Verizon Wireless customers with compatible 4G LTE smartphones, modems, tablets and mobile hotspots will be able to wirelessly surf the Web, stream music and video, and download files up to 10 times faster than customers on 3G.

In real-world, fully loaded network environments, Verizon Wireless? 4G LTE customers should experience average data rates of 5 to 12 megabits per second (Mbps) on the downlink and 2 to 5 Mbps on the uplink.

At & T and Verizone coverage areas

Both AT&T and Verizon have expanded their high-speed 4G LTE networks

Verizon expanded its 4G LTE network in 34 new markets today while the network has also become more widespread in 38 other markets. That expansion brings Verizon?s 4G LTE?grand total to 370 markets here in the United States, making it the carrier with the largest 4G LTE footprint far and away its original land.

AT&T on the other hand has some catching up to do. However, the carrier has taken another step in that direction today by expanding to five new markets today bringing its total 4G LTE footprint up to 53.

Both carriers plan to complete their 4G LTE roll outs by the end of 2013 though it?s clear that Verizon will very likely complete its roll out much sooner than that.

AT&T has brought 4G LTE access to five new markets that include Fayetteville, Springdale, Rogers, and Bentonville, Arkansas. It has also brought service to Waco, Texas.

This means that customers in those areas can now utilize 4G LTE devices like the Samsung Galaxy Note and Nokia Lumia 900.

4G LTE data speeds can reach up to 10 times faster than those found on a typical 3G network.

As for Verizon, it has launched its network in 34 markets. They include:

  • Hot Springs, AR.
  • Redding, CA.
  • Valdosta and Waycross, GA.
  • Centralia and Danville, IL.
  • Parsons, Salina and Topeka, KS.
  • Alexandria and Monroe, LA.
  • Pittsfield, MA.
  • Battle Creek and Muskegon, MI.
  • Mankato and Worthington, MN.
  • Joplin and Sedalia, MO.
  • Bismarck, Grand Forks and Minot, N.D.
  • Chillicothe, Ohio; Reading, PA.
  • Aberdeen, S.D.
  • Laredo, Odessa and Texarkana, TX.
  • Brattleboro and White River Junction, VT.
  • Charlottesville, VA.
  • Longview, WA.
  • Eau Claire, La Crosse and Manitowoc, WI.?

Markets that will see 4G LTE service expand today include:

  • Los Angeles and Santa Barbara/Santa Maria, CA. ATT and Verizon have expanded their high speed 4G LTE networks 300x183 AT&T and Verizon Expand Their 4G LTE Networks

    AT&T and Verizon have expanded their high-speed 4G LTE networks

  • Orlando, FL.
  • Macon/Warner Robins, GA
  • Bloomington, Champaign/Urbana, Decatur/Effingham and Springfield, IL.
  • Elkhart, IN.
  • Des Moines, Iowa City and Sioux City, IA.
  • Dodge City, Garden City and Great Bend, KS.
  • Lexington and Louisville, KY.
  • New Orleans, LA.
  • Boston, Mass.
  • Minneapolis/St. Paul, MN.
  • Missoula, MT.
  • Las Vegas, NV.
  • Manchester/Nashua, N.H.
  • Las Cruces, N.M.
  • New York, N.Y.
  • Cincinnati, Ohio Greenville/Spartanburg, S.C.
  • Sioux Falls, S.D.
  • Chattanooga, TN.
  • Salt Lake City/Ogden, UT.
  • Roanoke, VA.
  • Charleston, W.Va
  • Green Bay, WI.

With the new expansion, Verizon?s 4G LTE network now covers over 75% of the population in the United States.

AT&T and Verizon?s other competitors, Sprint and T-Mobile, are way behind the pack. Sprint launched its 4G LTE network in July and thus far, the network is only available in 15 areas around the U.S.

T-Mobile is even further behind as the carrier has not yet launched its 4G LTE network and won?t be doing so until sometime in 2013.

Source: http://applications.androidxiphone.com/att-verizon-expand-4g-lte-networks/

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High & Low Finance: Schools Pass Debt to the Next Generation ...

The deleveraging of America is well under way, as individuals and companies recover from the excess borrowing that helped to produce the boom and left many people vulnerable when the bust arrived. Household debt is down nearly $900 billion over the last four years, partly from repayments and partly from defaults.

During the crazy times, homeowners could get mortgages that allowed them to pay less than the full amount of interest being charged, with the rest added to the principal. Commercial property owners generally paid the full amount of interest, but did not have to repay any principal until the loan matured in five or 10 years. For both homes and commercial properties, lenders were willing to rely on extremely optimistic appraisals.

For property buyers, those days are gone,

But for some borrowers, it is still possible to borrow now and pay nothing for decades.

There is a furor in California because the Poway Unified School District, in San Diego County, borrowed money last year on terms that even Countrywide would have laughed at during the boom. It will not pay a dime of interest or principal for more than two decades. Only then will it begin to service the bonds.

It is paying a high price. Although it has a good credit rating ? Aa2 at Moody?s and AA? at Standard & Poor?s ? it will eventually pay tax-exempt interest of up to 6.8 percent for the borrowings. When it issued more conventional bonds last year, it paid rates that were much lower, ranging up to just 4.1 percent.

For borrowing $105 million in 2011, taxpayers ? or perhaps it would be more accurate to say the children and grandchildren of today?s taxpayers ? will pay $877 million in interest between 2033 and 2051.

In San Diego, the bond issue first gained attention on The Voice of San Diego, a Web-based publication, which published an article this month headlined ?Where Borrowing $105 Million Will Cost $1 Billion: Poway Schools.? As the Voice noted, others, including Joel Thurtell, a Michigan blogger, had written outraged articles about the bond issue. But it was the Voice article that attracted national attention, including a report on CNBC.

It turns out the Poway bond issue is not unique. This kind of borrowing has been going on for years, particularly in California, where the tax revolt that began with Proposition 13 in 1978 has made it harder and harder to finance education or other local government services. Assorted propositions approved by voters have made it very difficult to raise taxes at all.

According to a Thomson Reuters database, school districts issued nearly $4 billion in such bonds last year, and have sold almost $3 billion more this year. Back in 2006, when the credit boom was in full bloom, $9 billion worth of capital appreciation bonds were sold.

The Poway issue is unusual in delaying interest payments for so long, but there have been others. Its neighbor, the San Diego Unified School District, borrowed $150 million in May, promising to begin payments in 2032.

School districts? logic for borrowing for construction projects always was that those who benefit should pay for a construction project. In the case of the Poway bond, however, it is at least possible that it will be the children of today?s students who end up paying the bill. By then, many of these school buildings may be obsolete, or at least in need of another refurbishing.

In a statement, the Poway district pointed out that bond issue was the fifth part of a plan to modernize the 24 oldest schools in the district, adding that while that bond ?has a total repayment ratio of 9.3 times the principal amount,? the overall borrowing program has a repayment ratio of just 4.2. That means that for every dollar borrowed, $3.20 in interest will be paid.

To put that into perspective, a 30-year mortgage at the same 6.8 percent interest rate would require $1.35 in lifetime interest payments for each dollar borrowed, or a repayment ratio of 2.35.

?The most important value received from the building program that is difficult to quantify is the educational value of providing today?s students with quality learning facilities,? said John Collins, the superintendent of the district, which has 34,000 students. ?It is also difficult to calculate the dollar value of savings realized by avoiding the inflated construction costs of postponing the completion of the building program for a decade or more.?

Your guess may be as good as his as to just how inflated those costs will be. But it is hard to believe that the district would not have been better off borrowing on terms that called for repaying the loan more quickly. The interest rate would have been lower, and the power of compound interest would not have caused the total payments to rise into the stratosphere.

But the option of getting reasonable financing may not have been available to the Poway district, or to many of the other districts that have resorted to these so-called capital appreciation bonds. Poway officials had promised not to raise taxes, and this way they won?t have to. At least not until 2033. They set the payments to begin after earlier bonds are paid off.

Nationally, it appears that fewer and fewer school districts have been able, or willing, to find ways to finance new buildings ? or even to pay teachers, as property tax revenue plunged with the deflating of the housing bubble and pinched states reduced assistance. State and local governments are spending less, and employing fewer people, now than they were before the recession. Adjusted for inflation, state and local investment in buildings and other assets is at the lowest level since 1998. Over the last 30 months, the economy has gained about half a million jobs in manufacturing, and lost nearly as many in state and local government.

Should districts issue such bonds? It is not an easy question to answer. Much of this expensive borrowing is a result of local officials searching for a way to meet their responsibilities at a time when opposition to taxes has become a mantra. This generation will not pay for what it needs, so some of its leaders have decided to saddle future generations with the bills.

Floyd Norris comments on finance and the economy at nytimes.com/economix.

No related posts.

Source: http://news.imtelkom.ac.id/2012/08/16/high-low-finance-schools-pass-debt-to-the-next-generation.html

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    Source: http://ottoingram820.typepad.com/blog/2012/08/looking-for-ghd-straightener-information-about-website-hosting.html

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    Realty Times - Home Improvements That Sell

    In a mash-up survey of 450 real estate agents and 1,660 homeowners, homeowners get it - most of the time - when it comes to home improvements that help induce sales and higher prices.

    Realtor.com's home improvement survey, conducted online from June 6 to June 13, 2012, tapped agents and Realtor.com users who are homeowners planning to improve their home before putting it on the market.

    Given today's home buyers are aware of soft market conditions that can put a drag on values, they want a home that's ready to appreciate and that's a home in the best shape possible.

    Nearly 90 percent of real estate agents believe home improvements can help a home sell faster, and nearly 73 percent say home work can boost the price, provided the home improvements are the right home improvements.

    Nearly three in four (71.4 percent) real estate agents say sellers too often underestimate the power of simple home improvements - repairs, painting and cosmetic upgrades.

    Not so, say more than one in four (75.21 percent) of homeowners polled. They most certainly plan to repair broken household items before listing their home for sale.

    Also, 65.9 percent of real estate agents said another common mistake among homeowners is not making "the right" home improvements for the local market. Like upgrades from home to home help pull up values overall.

    Agents, 62 percent of them, also said too many homeowners make specialty improvements based on their own tastes rather than what might appeal to a buyer.

    Recommended home improvements

    The most common home improvements recommended by real estate agents included:

    ? The vast majority, 96.5 percent, of real estate professionals surveyed recommend sellers repair household items that are broken before putting a home on the market.

    ? More than half, 63.8 percent, of real estate agents recommend sellers make kitchen improvements.

    ? Most, 59.3 percent, of real estate professionals recommend sellers make bathroom improvements.

    What sellers improve

    Are sellers complying with real estate agents' recommended home improvements? Again, for the most part, yes.

    The most common improvements made by home sellers:

    ? A majority, 75.21 percent, of sellers planning renovations will repair broken household items before selling their home.

    ? Most, 53.43 percent, of owners plan to add new flooring before selling their home.

    ? Also most, 53.37 percent, of sellers plan bathroom improvements before selling their home.

    Homeowners appear to have dropped the ball on kitchen work, but they aren't pinching pennies when it comes to home improvements that sell.

    Home improvement budgets were $2,001 to $5,000 for 24.1 percent of home sellers planning improvements; $5,001 to $10,000 for 22.23 percent and $10,001 to $20,000 for 16.63 percent.

    Published: August 16, 2012

    Use of this article without permission is a violation of federal copyright laws.




    Source: http://realtytimes.com/rtpages/20120816_improvements.htm

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    30 Year vs. 15 Year Mortgages | Bad Credit Auto Loans Atlanta ...

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    Thursday, August 16, 2012

    Travel insurance ? The different types that are available | Travel ...

    Travel insurance can help you in?insuring yourself from the risks while travelling. These policies help you in staying safe from the different kinds of travelling risks. This does not literally mean that travel insurance is going to save you from the actual danger. However, if you are required to shell out dollars as a result of some unavoidable circumstances, you may be able to get the compensation on that from the insurer. There are various types of travel insurance policies that you may buy as per your travel requirements.

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    2.? Medical travel insurance???The medical travel insurance policy?actually?covers?the health related problems that may?occur?within?the term of?travel policy. However, this is not applicable for the?existing ailments. The applicant?actually is supposed to?declare?the?pre-existing medical conditions even?before?the trip; there are?separate package?for such conditions.

    3.???????Long stay travel insurance???If you are going to a place where you intend to stay for quite a long time, you can get the long stay travel insurance. Some go for a long tour to different places at the same time. This can take long and so it is important for you to get a long stay travel insurance.

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    6.???????Cruise travel insurance???If you are planning to travel by sea, a cruise or by any other kind of water transport, you should better get cruise travel insurance. In many cases, the cruise company too offers the cruise travel insurance package.

    So, these are the different kinds of travel insurance that are available and you can get one as per your requirements. You will be require to first plan as to how you are going to travel and then you will have to decide on the type of policy that will be best for you.

    Source: http://travelexperience.net46.net/travel-insurance-the-different-types-that-are-available/

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    Sunday, August 12, 2012

    Kids' cholesterol down; fewer trans fats cited

    (AP) ? Finally some good news about cholesterol and kids: A big government study shows that in the past decade, the proportion of children who have high cholesterol has fallen.

    The results are surprising, given that the childhood obesity rate didn't budge.

    How can that be?

    Some experts think that while most kids may not be eating less or exercising more, they may be getting fewer trans fats. That's because the artery-clogging ingredient has been removed or reduced in many processed or fried foods such as doughnuts, cookies and french fries.

    "That's my leading theory," said Dr. Sarah de Ferranti, director of preventive cardiology at Boston Children's Hospital. She wrote an editorial that accompanies the study.

    The study did not look at the reasons for the decline, but its lead author, Dr. Brian Kit of the Centers for Disease Control and Prevention, said the theory makes sense.

    The research, released online Tuesday by the Journal of the American Medical Association, also showed that children's average overall cholesterol levels declined slightly.

    Too much cholesterol in the blood raises the risk of heart disease. It isn't usually an immediate threat for most children, but those who have the problem often grow into adults with a high risk.

    Kit and his colleagues drew data from an intensive national study that interviews people and does blood-cholesterol tests. They focused on more than 16,000 children and adolescents over three periods ? 1988-94, 1999-2002 and 2007-10.

    During the most recent period studied, 1 in 12 children ages 6 through 19 had high cholesterol. That was down from 1 in 9 during each of the earlier periods ? roughly a 28 percent decline.

    The average overall cholesterol level fell from 165 to 160. In children, 200 is considered too high.

    The study was the first in almost 20 years to show such a decline. Kids' cholesterol levels also fell between the 1960s and the early 1990s, probably because people were eating less fat.

    The researchers in the latest study detected modest improvements in children's levels of so-called good cholesterol, which can protect the heart. That may be partly due to declines in teen smoking and childhood exposure to secondhand smoke over the last decade. Studies have found that chemicals in cigarette smoke can lower good cholesterol.

    The bigger news was what happened with bad cholesterol and triglycerides. They went down by small but significant amounts.

    Cholesterol levels have been declining in adults, too. The incidence of high cholesterol dropped about 27 percent in the last decade, from about 1 in 5 adults at the beginning of the period to 1 in 7 at the end.

    But cholesterol-lowering drugs known as statins were a big part of the reason for that decline ? millions of adults take them. Children are rarely given statins.

    Last year, a government-appointed panel urged widespread cholesterol screening for children. It was controversial because of concerns it would lead to more kids being given medicine. Experts say statins should be used in only the worst cases ? less than 1 percent.

    Artificial trans fats are known to decrease good cholesterol and increase bad cholesterol. In 2006, the federal government began requiring that packaged foods list the amount of trans fat per serving, a boon for careful shoppers.

    Meanwhile, a push to take trans fats out of foods gained momentum. New York City banned artificial trans fats in restaurant food in 2008. California in 2010 became the first state to adopt such a ban. Even Crisco, the goopy shortening that was trans fat incarnate, was reformulated to take it out.

    "I love the idea that reduced use of hydrogenated trans fats might be responsible" for the new study's results, Marion Nestle, a New York University professor of nutrition, food studies and public health, said in an email. "If so ? and as usual it's clear that more research is needed ? it would mean that public health measures like the trans fat ban in New York City are actually doing enough good to be measurable."

    This is not the first study to suggest a payoff in trans fat policy efforts. The U.S. Department of Agriculture found that from 2005 to 2010, the average trans fat content in bakery items and other foods declined steeply. A small, preliminary CDC study published earlier this year found significant drops in trans fats in white adults between 2000 and 2009.

    Despite the good news, experts remain worried.

    Seventeen percent of U.S. children are obese, perhaps because they are still eating lots of carbohydrates and sugar. That, along with little exercise, can lead to diabetes and heart disease.

    "We may have a small effect in the right direction from lower cholesterol, but I'm worried it will be overwhelmed by the earlier onset of obesity in younger and younger children," de Ferranti said. "I'm still pretty worried about how many kids are going to wind up patients of adult cardiologists."

    ___

    CDC Web page on cholesterol: www.cdc.gov/cholesterol

    Associated Press

    Source: http://hosted2.ap.org/APDEFAULT/bbd825583c8542898e6fa7d440b9febc/Article_2012-08-07-Kids'%20Cholesterol/id-c7a79655c49240949783deed2b0fb39a

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    Daytrading, Stock Trading, Investing and Forex Trading ? Penny ...

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    Source: http://traders101.com/2012/08/11/penny-shares-securities-trading/

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    Thousands gather to bury Ghana's Mills

    Thousands of mourners from presidents and dignitaries to ordinary Ghanaians arrived in the capital's Independence Square on Friday for the funeral of president John Atta Mills.

    His body lay in state early Friday, for a third straight day, for a final viewing before being placed in a black limousine for the short drive to the funeral site under military guard.

    Among those who viewed Mills' body before the service were Ivory Coast's President Alassane Ouattara, Ellen Johnson Sirleaf of Liberia as well as the leaders of Benin and neighbouring Togo.

    US Secretary of State Hillary Clinton was due to attend the funeral.

    "He was like a brother to me. I will surely miss him," Togolese President Faure Gnassingbe told journalists.

    Benin's leader, also the current African Union chairman, Thomas Boni Yayi, described Mills as "passionate about peace in Africa and in the region."

    His death on July 24 following an illness came as a shock to many Ghanaians, despite rumours that he had been sick and reports that he suffered from throat cancer.

    Mills's death just five months ahead of polls in which he was to seek re-election upended the presidential race in a country that recently became a significant oil producer and is praised as a stable democracy in an often turbulent region.

    Organisers said roughly 10,000 people were expected to attend the 90 minute ceremony, after which Mills's body will be taken to Osu Castle, the official presidential residence, for burial.

    A special seating area had been set up for the 16 heads of state and other dignitaries who are due to attend.

    Clinton, currently on an African tour, arrived in Accra late Thursday after a brief stop in Nigeria's capital, where she met with President Goodluck Jonathan.

    For those unable to access the grounds, funeral organisers have set up large television screens that will broadcast the ceremony, visible to people on the square's periphery. The event will also be shown on national television.

    Some, however, arrived early and secured a place in the square, which was filling up rapidly.

    "Today is my saddest day," said Akua Danso, an 80-year-old former teacher who was confined to a wheelchair, being pushed by her grandson.

    "I have seen presidents come and go but he was the best. He was very humble. I wish I had the opportunity to meet him while he was alive, just to tell him that he was a gem," she told AFP.

    For a brief period, a helicopter hovering over the area dropped flyers that urged peace in Ghana's December vote.

    "We want peaceful elections in 2012," read the flyer.

    Mills former vice president John Dramani Mahama was sworn in to serve out the remainder of Mills's term hours after his death, as dictated by the constitution.

    The new president is expected to be endorsed by the ruling party to run in the December election, which analysts say is likely to be close.

    Ghana, a country of some 25 million people, has begun producing oil from its offshore Jubilee field, one of the largest discoveries in West Africa in recent years. The field's operator Tullow has estimated that the field's recoverable resources amount to up to one billion barrels.

    Source: http://news.yahoo.com/thousands-gather-bury-ghanas-mills-110926165.html

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    Thursday, August 9, 2012

    Cameron Diaz working on fitness book

    NEW YORK (AP) ? Cameron Diaz's latest project is all about looking and feeling good.

    HarperCollins announced Wednesday that the star of "Charlie's Angels," ''There's Something About Mary" and other films has an agreement with the publisher for a book on health and wellness. Diaz's book is currently untitled and scheduled for publication in the fall of 2013.

    According to HarperCollins, the book will offer advice to young women about health, fitness, nutrition and general well-being. The publisher says Diaz hopes to "engage and empower" women.

    Diaz, who turns 40 later this month, has spoken often about the importance of health and fitness and her desire to share advice.

    Source: http://news.yahoo.com/cameron-diaz-working-fitness-book-224947157.html

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    Fuel-efficient NASA X-plane 'quietly' takes to the air

    6 hrs.

    The newest generation of NASA?s blended-wing-body aircraft took to the skies for the first time Tuesday, showcasing what could be the?shape of fuel-efficient and less-noisy aviation within a few decades.

    The X-48C is a remotely piloted scale model of the futuristic plane. Its triangular shape looks more like a slice of flying pizza than the traditional tube-and-wing designs that currently populate the skies.

    NASA and Boeing are collaborating on the futuristic project, aiming to build a plane for military and civilian use that is vastly more fuel efficient and quieter than those in the skies now.

    The latest version, much like the earlier versions in the X-48 series, is a scaled-down model with a 21-foot wing span and weighs 500 pounds. Full size, the wings would stretch 240 feet tip-to-tip.

    The first flight was a nine-minute jaunt at Edwards Air Force Base in California, topping out at an altitude of 5,500 feet. The X-48C has a projected top speed of 140 miles per hour and maximum altitude of 10,000 feet. (Video, click here.)

    The X-48C is a modified version of the X-48B which flew 92 times between 2007 and 2010. The biggest changes are relocation of the wingtip winglets inboard next to the engines, effectively turning them into twin tails, and a two-foot?extension of the aft deck.

    In addition, the plane now?has two 89-pound thrust turbojet engines instead of three 50-pound thrust engines.?

    The modifications will allow the partners to evaluate low-speed stability and control as well as noise-shielding concepts.

    ?We are thrilled to get back in the air to start collecting data in this low-noise configuration,? Heather Maliska, NASA Dryden?s project manager, said in a news release.?

    John Roach is a contributing writer for NBC News Digital. To learn more about him, check out his website. For more of our Future of Technology series, watch the featured video below.

    Source: http://www.futureoftech.msnbc.msn.com/technology/futureoftech/fuel-efficient-nasa-x-plane-quietly-takes-air-931013

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    Wednesday, August 8, 2012

    Bryan Fischer: 'We Need an Underground Railroad to Deliver Children From Same-Sex Households' (Little green footballs)

    Share With Friends: Share on FacebookTweet ThisPost to Google-BuzzSend on GmailPost to Linked-InSubscribe to This Feed | Rss To Twitter | Politics - Top Stories News, RSS and RSS Feed via Feedzilla.

    Source: http://news.feedzilla.com/en_us/stories/politics/top-stories/238961078?client_source=feed&format=rss

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    Now we?re on to my preferred portion with the discussion. Eating possibilities. Circus Circus does not disappoint in relation to supplying range to its guests. In addition to The Steakhouse, there is certainly The Backyard garden Grill, Mexitallia, Pink Pony, Circus Buffet, Pizzeria, Westside Deli, and Barista Caf?. The meals offerings accommodate various budgets and familial needs by providing some kid friendly eating selections to visitors and guests too. The very good news nonetheless is the fact that if these restaurants are not appealing to you there?s a further lodge, casino, or restaurant next door that has unique fare to offer.

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