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Monday, June 4, 2012
The Very Best Home Improvement Tips | Blog for Energy Saving ...
Do not hire a contractor if he tells you that you can pay in cash for a discount. Paying with cash is risky. If you must pay with cash you can protect yourself by getting a signed copy of the contract prior to any work or payment and of course, get a written receipt for any cash you do give them.
You should hire a contractor when taking on a major home improvement project. Without specialized training in designing living spaces, your own ideas may lack the necessary details to allow your home to function optimally. A professional will plan for renovations that will meet building codes and will add to your home.
If you decide to make substantial bathroom renovations, think about making your rooms accessible for handicapped individuals. Even if you can?t do a full conversion, there are ways to make your bathroom more accessible. This is important especially if you intend to retire and grow older in your home. These improvements will increase your home?s value.
Often, small improvements can add up to a big increase in the value of your home. If you want to sell the home, think about a few small changes. For instance, paint your house, both inside and out. For just a few hundred dollars, you can boost your home?s value by close to a thousand dollars!
Installing a pergola in front of your home can give your exterior a stylish appearance. This fixture has gained quite a bit of popularity over the years, primarily because it has a nice, natural appearance and gives an area a romantic aura. If you enlist a few friends, you can purchase a pergola kit and have it done in just a few days.
Your bathroom can be updated easily, without a lot of expense. Buying new bath mats, a shower curtain and some new towels is a great way to get a new look quickly. This gives you an instant bathroom makeover. Use plants that will do well in humid and low light areas to liven up your bathroom.
Planning ahead of time always improves the success of home improvement projects. Flying by the seat of your pants can be a disaster, whether you make bad choices or take too long to make a decision. When you plan well in advance, your work will be accomplished with much greater ease and efficiency.
To help you stay on top of home improvement projects, start a budget for repairs, upgrades and other house-related expenses. By dedicating a reasonable amount of your income to home maintenance and upgrades, it will help keep your house in much better shape. If there is money left in this budget at the end of the year, it can be saved for bigger home improvement projects in the future.
When hiring a contractor, you have to keep track of everything that you do with that professional. Do not rely on the contractor to handle this for you. Save any contracts and invoices related to your project. This helps everyone involved stay focused on the current task.
Before beginning any home improvement project, consider the return on your money. It goes without saying that the best projects to do are those that have the highest return on investment. In fact, not all home improvement projects are equal. Do some research and find out which projects are the best for your money.
When you undertake any home improvement project, don?t destroy things too quickly. Always check structural integrity behind walls, cabinets and other places well before you tear them down. If you mess up any electrical components, you will have to pay dearly to fix the damage.
Hopefully the tips in this article above have helped you see that making your home improvement ideas a reality are quite easy. These tips will get you started on improving your home the right way.
My genuine curiosity is in preserving the environment and exactly how various factors can affect this especially energy saving light bulbs. These lights and also the LED bulb specifically can produce a great effect. My work at present is on articles in this field.
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Sunday, June 3, 2012
Defense: George Zimmerman in police custody
After his bond was revoked, George Zimmerman, right, returns to the John E. Polk Correctional Facility in Sanford, Fla., Sunday, June 3, 2012. Zimmerman is charged with second-degree murder in the shooting of Trayvon Martin.(AP Photo/Orlando Sentinel, Joshua C. Cruey, Pool)
After his bond was revoked, George Zimmerman, right, returns to the John E. Polk Correctional Facility in Sanford, Fla., Sunday, June 3, 2012. Zimmerman is charged with second-degree murder in the shooting of Trayvon Martin.(AP Photo/Orlando Sentinel, Joshua C. Cruey, Pool)
After his bond was revoked, George Zimmerman, right, returns to the John E. Polk Correctional Facility in Sanford, Fla., Sunday, June 3, 2012. Zimmerman is charged with second-degree murder in the shooting of Trayvon Martin. (AP Photo/Orlando Sentinel, Joshua C. Cruey, Pool)
Mark O'Mara, attorney for George Zimmerman, makes comments after Zimmerman returned to the John E. Polk Correctional Facility, Sunday, June 3, 2012, in Sanford, Fla. Zimmerman is charged with second-degree murder in the shooting of Trayvon Martin. (AP Photo/John Raoux)
After his bond was revoked, George Zimmerma, right, returns to the John E. Polk Correctional Facility in Sanford, Fla., Sunday, June 3, 2012. Zimmerman is charged with second-degree murder in the shooting of Trayvon Martin. (AP Photo/Orlando Sentinel, Joshua C. Cruey, Pool)
MIAMI (AP) ? George Zimmerman, the neighborhood watch volunteer charged with murder in the killing of Trayvon Martin, surrendered to police Sunday and was booked into jail after having his bail revoked two days earlier.
Zimmerman's legal team said in a tweet that he was in police custody. Zimmerman's bail was revoked because the judge said he and his wife lied to the court about their finances so he could obtain a lower bond.
On Sunday afternoon, about 40 minutes before the 2:30 p.m. deadline to surrender, Zimmerman was listed as an inmate on the jail website. He was listed as being held without bail and having $500 in his jail account.
Seminole County Sheriff Donald Eslinger said Zimmerman turned himself in to two sheriff's office employees around 1:25 p.m. near the jail, and was then driven to the jail. Zimmerman arrived in a white minivan and did not respond to questions from reporters as he walked inside, handcuffed and wearing blue jeans, sneakers and a button-down shirt.
"He is quiet and cooperative," Eslinger said at a news conference after Zimmerman's surrender.
The Seminole County Sheriff's Office said Zimmerman would be in a cell by himself, separated from the general population, because the case is so high-profile. The 67-square-foot cell is equipped with a toilet, two beds, a mattress, pillow, blanket and bed sheets. Zimmerman will not have access to a TV.
Prosecutors had said Zimmerman and his wife told the judge at a bond hearing in April that they had limited money, even though he had raised about $135,000 through a website. Defense attorneys said the matter was a misunderstanding.
Attorney Mark O'Mara announced earlier Sunday on his website that Zimmerman had arrived in Florida late Saturday evening ahead of his surrender. Zimmerman, who is charged with second-degree murder in the fatal shooting of the 17-year-old Martin, was ordered by a judge Friday to return to jail.
During a bond hearing in April, the couple had indicated they had limited funds. But prosecutors say Zimmerman had raised thousands through a website he had set up for his legal defense.
Zimmerman's legal team said Sunday that they will ask for a new bond hearing to address those concerns, and that they hope Zimmerman's voluntary surrender will show he is not a flight risk. Furthermore, the money Zimmerman has raised is in an independent trust and cannot be directly accessed by Zimmerman or his attorneys, according to the press release.
Zimmerman has pleaded not guilty to the second-degree murder charge. He maintains he shot Martin in self-defense under Florida's so-called "stand your ground" law because the teen, who was unarmed, was beating him up after confronting Zimmerman about following him in a gated community outside Orlando.
Zimmerman's credibility could become an issue at trial, legal experts said, noting the case hinges on jurors believing Zimmerman's account of what happened the night in February that Martin was killed.
Zimmerman wasn't charged in the case until more than a month after the shooting. Protests were held across the nation, and the case spurred debate about whether race was a factor in Zimmerman's actions and in the initial police handling of the case. Martin was black; Zimmerman's father is white and his mother is from Peru.
Police in Sanford did not immediately arrest Zimmerman, citing the Florida law that gives wide latitude to use deadly force rather than retreat in a fight if people believe they are in danger of being killed or seriously injured.
Zimmerman was arrested 44 days after the killing.
Prosecutors pointed out in their motion that Zimmerman had $135,000 available when the bond hearing was held in April. It had been raised from donations through a website he had set up. They suggested more has been collected since and deposited in a bank account.
Shellie Zimmerman was asked about the website at the hearing, but she said she didn't know how much money had been raised. Circuit Judge Kenneth Lester set bail at $150,000. The 28-year-old was freed a few days later after posting $15,000 in cash ? which is typical.
Prosecutor Bernie De la Rionda complained Friday, "This court was led to believe they didn't have a single penny. It was misleading and I don't know what words to use other than it was a blatant lie." The judge agreed and ordered Zimmerman returned to jail by Sunday afternoon.
The defense countered that Zimmerman and his wife never used the money for anything, which indicated "there was no deceit."
The judge said he would schedule a hearing after Zimmerman is back in custody so he could explain himself.
Benjamin Crump, an attorney for Trayvon Martin's parents, Tracy Martin and Sybrina Fulton, said his clients have always said Zimmerman should remain in jail until trial.
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Free Legal Question: Intellectual Property | Georgia | Does it violate ...
6/02/12, 12:48 pm
Legal Question
Does it violate copyright to use an ice or candy mold to make a clay necklace for sale?
Legal Answer
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Today's Tip: DIY Closet Pole
Want an awesome closet pole that allows hangers to slide easily, won?t sag, and is easy to install? Make it
Use gas pipe and flange for DIY closet pole.
yourself using black gas pipe, flanges, and drywall screws. Cut (or have cut) a 3/4 inch diameter pipe to length. Insert it into two 1 inch flanges. Note: Wash the pipe and flange before installing it with a household detergent that cuts grease like Pine Sol or Simple Green.
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Saturday, June 2, 2012
Students in Nigeria clash with police
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Analysis: Nasdaq plays tough with clients angry over Facebook
NEW YORK (Reuters) - It's crisis communications 101 for Corporate America: when a company bungles an event as big as the Facebook IPO, alienates customers, and spawns lawsuits and regulatory inquiries, the CEO apologizes and agrees to provide compensation to make things right. Everyone can then move on.
Not so at Nasdaq OMX Group, where technology glitches and a communications breakdown marred Facebook's $16 billion initial public offering on May 18.
Since then, the exchange has done little to conciliate market making clients - a number of which lost tens of millions of dollars each due to the trading problems. There has been no outright apology. And as angry as some customers may be, experts say they have little alternative but to keep trading on the exchange.
And they have. Nasdaq's trading volume this week is above the monthly average, and its share price is nearly unchanged two weeks after the trading glitch.
Nasdaq, one of only two U.S. exchanges on which companies can list their shares, is home to a raft of heavily traded household technology names such as Apple and Google, and has challenged the New York Stock Exchange for marquee listings. The Facebook IPO was seen as a major coup.
With so few options for traders, Nasdaq's strong position is giving confidence to investors and analysts.
"We expect this to blow over with time," said Chris Allen, an analyst at Evercore Partners, in a note to clients.
Many of Nasdaq's customers sing a different tune, however. During the first day of Facebook trading, technical glitches left the market makers - who facilitate trades for brokers and are crucial to the smooth operation of stock trading - in the dark for hours as to which trades had gone through.
The result was up to $115 million in losses for the Nasdaq's top four market makers alone. Two senior executives in the financial industry have said they expect Nasdaq member claims to total $150 million to $200 million.
Nasdaq's response amounted to a members-only call with one of its executive vice presidents, a statement that the exchange would set aside a pool of $13.7 million to accommodate losses, and a brief mention of Facebook during the company's shareholders meeting. Greifeld also hosted Nasdaq's party at a technology conference this week in California.
A source close to the exchange said it is reaching out to affected clients. Yet some big clients are still unhappy.
"Communication has been about as good as it was on the day of the IPO - minimal," said Mark Turner, head of trading at New York-based market maker Instinet.
Turner declined to say how much his firm lost but said it paled in comparison with losses suffered by larger counterparts like UBS, Citigroup, Knight Capital, and Citadel Securities, which lost between $20 million and $35 million.
THROWING OUT THE CRISIS PR PLAYBOOK
In most corners of Corporate America, such a situation would have driven executives into crisis communications overload.
Regular communication, not necessarily more, is the best way to handle a crisis situation, said John McInerney, a global vice president at public relations firm Makovsky and Co.
"Just saying 'we are going to talk to you at 4:00 or at a certain point and we are going to tell you where things are right now,' I think people can live with that kind of uncertainty as long as they know they are going to hear something," he said. "And that didn't happen."
On a call with select reporters the Sunday after the Facebook IPO, Greifeld said Nasdaq was "humbly embarrassed" over the trading glitch, but he stopped short of a public apology.
"They have failed in executing a comprehensive or cohesive communications strategy," said Michael Robinson, a former U.S. Securities and Exchange Commission public affairs and policy chief who also spent three years in media relations at Nasdaq.
"Here we are a couple of weeks later and I'm still not entirely sure what it is they said went wrong," said Robinson, who is now an executive vice president at Levick Strategic Communications.
It's a sharp contrast to the way rival exchange BATS Global Markets handled a major crisis - the withdrawal of its own IPO on its own exchange in March after a technological glitch disrupted trading. Joe Ratterman, chief executive of BATS, was on television the next day taking the blame and explaining why the company pulled the plug.
The incident was an embarrassment at the time, but now market participants say BATS' swift response looks like a brilliant move compared with Nasdaq's inaction.
"Although they were highly criticized, guess what, no one lost any money, other than maybe the BATS guys. But ... investors didn't lose," said a financial industry executive who declined to be named because of the sensitivity of the issue.
"MODUS OPERANDI"
A lack of public communication is partly protective - lawsuits against Nasdaq by disgruntled investors are stacking up. But many people who deal with Nasdaq regularly, or are familiar with how it has handled its customer relationships, say even if there were no legal issues, the silence and lack of contrition expressed to market makers is par for the course.
"This is their modus operandi," said independent trading and market structure consultant William Karsh, a former chief operating officer of rival electronic exchange Direct Edge. "They screw the wholesalers because they can. At the end of the day, the wholesalers have no choice but to use them - they are still a huge liquidity pool."
Nasdaq declined to comment for this article.
Nasdaq's liabilities for a trading glitch are limited through regulation and a contract with its customers to $3 million per month. The exchange has applied to the SEC to increase the amount to $13.7 million to include a gain of $10.7 million it made from the Facebook IPO through the sale of shares it was left holding due to the technology glitches.
"They are certainly facing the specter of some significant lawsuits if this pool is not enough," said an attorney who is familiar with the situation.
The customers are arguing that the limit on liabilities should not apply because the Facebook problems were the result of gross negligence.
While its trading customers have little option but to stick with Nasdaq to do their business, the longer-term risk for the exchange is not landing the next Facebook.
"The Nasdaq has just handed the New York Stock Exchange the best marketing bonanza they could ever hope for," said Robinson.
(Reporting By John McCrank; editing by Jennifer Merritt and Edward Tobin, Martin Howell)
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