Read - Refinance

I am looking to refinance my home with a 15 year mort. The online lenders appear to have a better rate. Does it really matter if the lender is online or a local bank What has been your experienceThanks.

Basic things about Should i refinance with a local lender or an lender i find on the interment does it really matter

Refinancing
Borrowers with this type of refinancing typically pay few if any upfront fees to get the new mortgage loan. This type of refinance can be beneficial provided the.

Loan
A loan is a type of debt. Like all debt instruments, a loan entails the redistribution of financial assets over time, between the lender and the borrower. In a loan.

Mortgage loan
In most jurisdictions, a lender may foreclose the mortgaged property if certain conditions ? principally, non-payment of the mortgage loan ? occur. Subject to local legal.

Title insurance
? is meant to protect an owner?s or a lender?s. on this matter reflects in most local real estate contracts. One should. or if the mortgage being insured is a refinance.

Yield spread premium
In many local markets, the consumers may be repulsed by a 1.5% origination fee. Shortly after closing the loan, the borrower would refinance the loan at a lower interest.

Rate is just one thing you need to consider. There are going to be refinance charges with this loan and typically this is where internet lenders rake you over the coals. There are other things like prepayment penalty points and such you need to consider. Internet lenders will bait you with a good interest rate then stuff you with the rest of the package. I have not found one internet lender that could beat a local lender package.

See todays rates at Watch all my videos at The government HARP refinance program is in full swing but not all lenders are doing these. Watch today to find out why and what you can do no matter how far upside down you are.

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Me and my husband got a house last year for 69900. My mother in law pushed us into the house insisted that we go through a bank with a variable rate. Now with all the forclosures I am freaking out. I want to refinance with a 30 yr fixed rate but she says I shouldnt do that. Can someone please tell me is she right or am I.

Of course you can and you should. Most lenders want to see 6 months of seasoning on the previous mortgage before you can refinance. Find a local lender who can walk you through the process. Interest rates are great right now I dont know if they will go any lower.

Do you think the rates have hit bottomWe like to use a local mortgage broker but the last time they did not over us the lowest rate out there. We knew the lowest rate from so we got it. No longer lists the lowest rates in the US. Need another source.

Its not just the rates you want to compare look at the total loan package. I just had a client go to an internet lender for a quote and the GFE was 5000 more than the local lender and if the refinanced in less than 5 years there was a big penalty.

I am trying to refinance during this volatile time in the mortgage industry. Would it be prudent to have a lawyer involved even if my only intent would be to roll over into a new mortgage.

There are several things to would be what are the common practives for closing a real estate loan in your state I was a mortgage banker for many years and it was not necessary for any of my customers to have an attorney involved when refinancing their mortgage loans. The bank I worked for used a title company to close all of our mortgage loans. However if you do not have face to face contact with your mortgage lender you might want to consider having someone look over the papers and an attorney could do that for you.

Also remember that YOU are the one responsible for what you sign. Read the Good Faith Estimate up front ask questions about anyall of the Now is a great time to refinance rates are very low again.

I?m looking to refinance my current mortgage, which is with BofA. I?m looking?

Im looking to refinance my current mortgage which is with BofA. Im looking for the best 15yrfixed rates with a reputable lender. Credit scores 800 very low loanmortgage ratio loan is aboutReference There are several good local lenders with competitive rates. Try .

Reference There are several good local lenders with competitive rates. Try locally they have very low fees. Else find the best lender nationwide at Tony .

Home Buying: Why do realtors want me to apply to their mortgage company instead?

Why do realtors want me to apply to their mortgage company instead of my own chosen lenderif they have spoken to a lender. I recommend that they talk to a couple of different lendersbe theirs. Frankie I believe in most cases an agent referrs a mortgage lender because they know .

If they have spoken to a lender. I recommend that they talk to a couple of different lenders be theirs. Frankie I believe in most cases an agent referrs a mortgage lender because they know they will get the job done for them. .

Why can?t I get approved for refinance?

That I just settled last month. Why cant I get approved to refinance I really need to lower my and a local CU. Help Starting Score 539 EQ 1112011Current Score 622 EQ 650 TU EX FAKO 653premier that I just settled last month. Why cant I get approved to refinance I really need to lower .

Premier that I just settled last month. Why cant I get approved to refinance I really need to lower with them and a local CU. Help Quote I bought a new car in March 2011. My credit score was 539 so to refinance I really .

I have 3 rental SFH in Phoenix, AZ all R rented. Each values less then 50?

But I want to refinance and get cash out. Can anyone do itYes and you have to talk to a refinance expert you need at least 2 years history of renting outbut its worth 1622 now. Can anyone help me with the loss Yes we can . I have a lender for you so if you .

Yes and you have to talk to a refinance expert you need at least 2 years history of renting out but its worth 1622 now. Can anyone help me with the loss Yes we can . I have a lender for you so if you know if youd like my help. .

Need advice ? Investment Property ? Refinance or not??

For the loan to get approved.My question is should I go through with the refinance knowing I will mostwith the refinance the property will have good cash flow in the future. Right now it is rentingdecide to refinance. In general you may deduct anything thats paid out of escrow and normally .

With the refinance the property will have good cash flow in the future. Right now it is renting decide to refinance. In general you may deduct anything thats paid out of escrow and normally unless your lender neglected to .

When is a good time to refinance?

Across some attractive online offers from banks that are not localto our area. Are there anypitfalls to considering one of those options asopposed to working with a local bank such as Wells Fargothat recommended against a refinance if youreunable to reduce the rate by 2 right now wed get .

That recommended against a refinance if youreunable to reduce the rate by 2 right now wed get lending institution local or not but especially nonlocal researchthe company and its reputation with local? .

Just got my auto loan refinanced with a CU!

Thanks everyone who suggested I should refinance my current CapitalOne Auto Loan of I wentto my local FCU and got approved with a Its official local CUs are THE BEST happy dancepullCurrent Scores 60712 TU 713 EQ 628 EX 663 All lender pullsEQ Fico jumped 48 points .

PullCurrent Scores 60712 TU 713 EQ 628 EX 663 All lender pullsEQ Fico jumped 48 points .

Intrawest selling assets to pay off debt?.

Operator Intrawest ULC is eyeing the sale of assets as it negotiates with lenders to refinance and paylocal frustration from Whistler as the parties involved continue to push for an auction to occur whileVancouvers Intrawest eyes asset sale to pay down debt report TORONTO Canadian ski resort operator Intrawest ULC is .

local frustration from Whistler as the parties involved continue to push for an auction to occur while .

DOES ANYONE KNOW OF A MORTGAGE CO/BROKER NAME/# TH?

Ethical lenders in this end of the pool. Verify everything and only look at well established localin Mass and these loans are seen as highrisk. Many regulators would say the lender should not have madeChapter 13 Chapter 11 or Chapter 7 And by right after . . . days months a yearUnless there were SIGNIFICANT .

Dear Newbie If you are considering a loan from them may I suggest instead considering going directly to a bank. My experience was that a wellestablished financially sound bank is a great source directly for a mortgage. For myself it saved quite ? .

The Official Mortgage Rates Thread ? Page 1119

Will not realize it that it is now impossible to refinance you home if you have less than 80 equitya lender from day one that will give you their best rates on renewal and not play games. Yup. Although.But what most people will not realize it that it is now impossible to refinance you home if you .

But what most people will not realize it that it is now impossible to refinance you home if you its important to pick a lender from day one that will give you their best rates on renewal can. If you were approved a month ago and now .

Yield spread premium

Purchase money versus a cash-out refinance, or a streamline refinance discount fee to cover the loss to the lender when the mortgage is sold .

Title insurance

It is meant to protect an owner?s or a lender?s financial interest issued or if the mortgage being insured is a refinance of an earlier mortgage. .

FHA insured loan

Mortgage insurance backed mortgage loan which is provided by a FHA-approved lender. consumers to purchase or refinance their home at a .

Home Affordable Modification Program

Built as collaboration with lenders, investors, securities, mortgage Similar incentives will be paid for Hope for Homeowner refinances. .

Mortgage modification

Outside the original terms of the contract agreed to by the lender and borrower (i.e. incentives will be paid for Hope for Homeowner refinances .

Loan modification in the United States

Loans but cannot refinance or afford the higher payments after reset. Payments to servicers, lenders, and responsible borrowers .

Reverse mortgage

Monthly amortized payment to the lender ; after each payment the the estate will have an option to refinance the home and keep it, sell the .

Mortgage discrimination

Mortgage discrimination or mortgage lending discrimination is the practice of banks when a lender blatantly discriminates on a prohibited .

Alternative financial services in the United States

Namely sub-prime lending (that is lending to people with relatively poor credit) lenders in poorer communities will often be the only local .

Shared appreciation mortgage

A shared appreciation mortgage or SAM is a mortgage in which the lender agrees as the home (or, in some cases, refinance the first mortgage). .

Source: http://www.lintasbusiness.com/should-i-refinance-with-a-local-lender-or-an-lender-i-find-on-the-interment-does-it-really-matter/

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CareCrunch Answers ? Answers Archive ? Outsourcing Accounting ...

Efficient bookkeeping could be the backbone in the firm?s achievement, and miscalculations can certainly tax your business. It is necessary that the bookkeeping is productive and chronological, to prevent pricey blunders and issues. To stop utilizing an expert accountant could be dangerous. To carry out this, in addition with other administrative or sales? tasks, is fraught with danger ? info entry errors, oversights, and also the wrong stroke of the essential could be pricey. Sustain obvious and nicely outlined accounts, to make certain that each one information are up-to-date, correct and obtainable every time you request for this.

Commencing an efficient consumer are difficult. Entrepreneurs must concentrate to their market supplying, their aggressive positioning, and customer support and furthermore maintain monitor from the (potentially less fascinating) administrative tasks. Integrated in these are bookkeeping ? an area that serves to maintain up problems if it really is not dynamically addressed as transactions circulation.

Whenever you delegate bookkeeping, you?ll be able to concentrate on your marketing and purchaser?s techniques and concentrate on your core company wants without employing other staff. With reduced workers at perform, company proprietors can reduce costs and drop the need to offer much more worker?s benefits, such as, bonus, insurance, general insurance policy and a lot more which would must get delivers from towards the accounting and bookkeeping staff, if hired in any other case. With outsourcing bookkeeping, you?ll be able to deft divide the earnings in addition to other finances to create certain business? expansions while all accounting is through the use of an authority online outsourcing supplier.

This only works whenever you are aware that the accounts and bookkeeping happen to be in trustworthy and expert fingers. A further benefit may be the fact that by possessing an outsourcing accountant you are able to be assured the team of experienced bookkeepers and an accounting organization will work to make positive that your monetary details is present and complete whenever needed. Your publications will be reconciled month to month using the lender statements, generating particular productiveness and performance.

Small organization proprietors might also conserve cash around the cost of computer maintenance, stationary and training fees because they?re members of the benefits provided by nominal rates by on the internet bookkeeping outsourcing. Aside from typical and exact bookkeeping information, you can relaxation assured that accounts will be shipped anytime necessary. Outsourcing businesses possess a customer helpful consumer treatment staff to create sure that each one demands are met promptly.

If you?ll find any mistakes or discrepancies, you?ll be able to depend that bound within our bookkeepers brings these for your interest for correction as necessary. Allow us to say your pc crashes? Our outsourcing bookkeepers preserve a backup, as a result in case of technical issues with the enterprise owner?s end beside a paper path will swiftly be tracked, keeping your company acting to the monitor. Outsourcing bookkeeping is always that the most effective solution. Quick use of any or all accounts, correct bookkeeping at low prices guarantees that you just operate your business definitely.

Costs of outsourcing bookkeepers have a tendency to be lower, making use of the benefit and self-confidence in the identical diploma of expertise and qualifications once you are acquainted with. This, obviously, all leads to? A lot more earnings!

If you?re looking for vedenie ??tovn?ctva we?re your number one source!Don?t forget to check out for ??tovn?k today itself.

Source: http://answers.carecrunch.com/?p=52441&utm_source=rss&utm_medium=rss&utm_campaign=outsourcing-accounting-and-bookkeeping-essential-benefits

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Congress approves transportation, student loans bill (reuters)

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Small business happy with health care?ruling

By John W. Schoen

Tammy Krings doesn?t understand what the fuss is all about.

The small business owner from New Albany, Ohio thinks the Affordable Care Act the U.S. Supreme Court upheld Thursday will help lower the cost of providing health care to the 160 employees at her corporate travel agency, TS24.

?I was very happy about it,? Krings?said after the court's decision. ?It will be positive for our organization.?

That puts her in stark contrast to small business advocacy groups, which argue that?it will raise costs, add uncertainty to their businesses and put a damper on job creation.

Not so, says?Krings. She said?her company?s health insurance premiums will rise much more slowly than the 30 percent a year increases she?s been paying in recent years. By prodding younger, healthier workers to sign up for coverage, she said, the law will help offset the cost of covering older workers who consume more care.

?We don?t have the balance of healthy people on our program,? she said. ?Our little business is, I think, a very micro example of what the country faces at large.?

Business groups reacted viscerally to the news that the high court upheld the law.

?Small-business owners are going to face an onslaught of taxes and mandates, resulting in job loss and closed businesses,? according to Dan Danner, President and CEO of the National Federation of Independent Business, one of the plaintiffs in the suit, which sought to strike down the law. ??

?Left unchanged, (the law) will cost many Americans their employer-based health insurance, undermine job creation, and raise health care costs for all," said U.S. Chamber of Commerce President and CEO Thomas J. Donohue.

?This law will have a dramatic, negative impact on every employer and employee in the United States and further constrain job creation and economic growth,? according to Matthew Shay, CEO of the?National Retail Federation.

With Thursday?s ruling, the 2010 health care law will continue to be phased in over the next five years. When fully implemented, it?s expected to provide health coverage to about 30 million currently uninsured people, extending coverage to more than 9 in 10 eligible Americans.

Click here to read the full ruling.

Some provisions are already in effect. Young adults can stay on their parents' insurance up to age 26. Insurers can't limit how much a policy pays to each person over a lifetime. Co-payments for preventive care have been eliminated.

For months, small business groups have complained that uncertainty about the health care law had produced a chilling effect on job growth, as employers postponed hiring decisions until the law?s legal foundation was settled.

To be sure, some uncertainty remains. Various specific regulations, for example, have yet to be written by the Department of Health and Human Services.

GOP vows to press for repeal
Republicans have vowed to continue to press for the law?s repeal, a prospect that will depend heavily on the outcome of the November election. Even if they fail in that effort, the sweeping scope of the law makes it likely that Congress will make changes in the next few years as its wider impact is felt.

"There have to be some tweaks,? said Mike McAllister, CEO of Humana, one of the country?s largest health insurers. ?This is a big bill and in these cases there are things that have to be done in the next handful of years to make it better.?

One of those ?tweaks? will likely center on the tax breaks the bill provides for the smallest businesses, who have complained loudly about the $2,000 per worker penalty that the law imposes on companies that?don?t provide health coverage. That fee is partially offset by a tax credit for companies with 25 or fewer workers.

Some opponents of the bill have argued the tax credit provision could prompt very small companies to stop hiring once they reach 25 employees, or even fire workers to take advantage of the credit.

Under the health car law, all businesses with 50 or more employees must provide health care benefits to those employees by 2014. MSNBC"s JJ Ramberg joins NewsNation to discuss.

?

Krings said that argument doesn?t make much sense. ?Maybe I?m just not as smart as these other guys,? she said. ?But the fact is when I need people I hire them regardless of a tax credit or a tax break. A tax itself does not dictate how I manage my business.?

Newly created insurance markets are expected to make it easier for individuals and small businesses to buy affordable coverage.

The law also includes provisions to shift some of the cost of health care from employers to their employees, who will spend more of their own money when they seek medical care. The goal is to prompt patients to shop around for care rather than consume health products and services without regard for cost.

?People will have cost sharing, which they will manage out-of-pocket,? said Robert Kocher, a guest scholar at the Brookings Institution. ?That?s going to lead to market-based competition and tools coming on the market that show you the price that you'll pay for different providers. Those will vary by as much as 300 to 400 percent. That allows consumers to move towards the lower-priced, better-quality providers.?

Krings said she expects that cost sharing will help contain the overall cost of care and save money for companies like hers.

?Once ?you create that kind of transparency, that?s going to cause the consumer to take pause and? say 'Wow: why is this so expensive?'? she said. ?That?s part of what is broken. There hasn?t been this transparency. There hasn?t been the personal responsibility to care so much about it."

More money and business news:

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"We need to move beyond politics and get on with trying to make the health care system work and make it cost-competitive," says Bill George, former Medtronic chairman & CEO, weighing in on the high court's health care ruling and what companies must do ...

Source: http://bottomline.msnbc.msn.com/_news/2012/06/28/12461371-small-business-sees-advantages-in-health-care-ruling?lite

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Parallels Plesk Panel 11 Adds Improved Performance and Security ...

Web Host Web.com Signs 10-Year Sponsorship with the PGA

June 27, 2012 - 8:03 pm

Tags: business, communication, domains, marketing-and-promotions, microsoft, networking, pga, security, sponsored-links, storage, web-com, windows
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June 27, 2012 ? Web hosting and web design provider Web.com announced on Wednesday it has signed a 10-year agreement with the PGA to become the umbrella sponsor of the newly named Web.com Tour.

CloudLinux Adds Features to Define Resource Limits for Shared Hosting Plans

June 27, 2012 - 7:04 pm

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June 27, 2012 ? Web hosting software developer CloudLinux announced on Tuesday it has updated the Lightweight Virtual Environment technology to define resource limits for specific web hosting services.

PEER 1 ?Team 2012? to Prepare Customers for Olympic-sized Traffic Spikes

June 27, 2012 - 6:07 pm

Tags: cloud, communication, domains, government, hosting, london, math-random, microsoft, networking, new-products, olympics, summer, windows
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June 27, 2012 ? Web hosting provider PEER 1 Hosting announced on Wednesday that it will help keep businesses online during the Olympics in London this summer.

Red Hat to Add Paid Tier to Platform as a Service OpenShift

June 27, 2012 ? Open source software provider Red Hat announced on Tuesday the business model and pricing plans for its OpenShift platform as a service.

Stream Data Centers Begins Construction on Houston Data Center

June 27, 2012 - 3:55 pm

Tags: business, communication, data-center, denver, government, hosting, houston, news, stream, video, whir, whir-to-go
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June 27, 2012 ? Data center operator Stream Data Centers announced on Tuesday it has started construction of a fully-commissioned private data center development in The Woodlands, Texas, a suburb located 35 miles north of downtown Houston.

Feds Arrest 24 Alleged Hackers in Online Credit Card Fraud Crack Down

June 27, 2012 ? US authorities arrested 24 alleged hackers on Tuesday in connection to a string of online credit card fraud. Eleven people were arrested in the US, and thirteen were arrested in seven other countries including Bosnia, Bulgaria, Norway, Germany and Japan.

New BackupAgent Version Simplifies Channel Delivery of Cloud Backup Solution

June 26, 2012 - 8:54 pm

Tags: backup, business, cloud, communication, government, hosting, math-random, new-products, news, partnerships, security, software and tools, whir-to-go
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June 26, 2012 ? Cloud backup software provider BackupAgent announced on Tuesday that it has added unlimited distribution tiers to its platform. Included in version 4.2, the feature allows service providers to create unlimited layers of tenants in their BackupAgent Cloud Backup Platform.

Go Daddy Founder Bob Parsons Donates $1M to Alma Mater University of Baltimore

June 26, 2012 - 7:45 pm

Tags: baltimore, bob-parsons, daddy, digital, government, hosting, microsoft, university-of-baltimore, whir, windows
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June 26, 2012 ? Go Daddy founder Bob Parsons has donated $1 million to his alma mater University of Baltimore to establish a new professorship specializing in digital communication. According to Monday?s announcement, Parsons will also share his expertise on online marketing and entrepreneurship through on-campus or virtual lectures.

NYI Network Administrator Launches New Version of Network Analysis Tool Net Sensor

June 26, 2012 - 5:53 pm

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June 26, 2012 ? A network administrator at colocation provider New York Internet has launched the latest version of his network analysis suite Net Sensor.

Cloud Host FireHost Launches Referral Partner Program with Scalable Commissions

June 26, 2012 - 3:43 pm

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June 26, 2012 ? Cloud hosting provider FireHost announced on Tuesday it has launched its simplified referral partner program, which includes a range of new benefits.

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Leave a comment - Entertainment Blog

First off, I would like to say that I did finish this project? and it was delicious.

Tuesday was a long, exhausting day, and I desperately wanted a home cooked meal. However, I live in an apartment and have to fend for myself. So, I decided to find my dinner on Pinterest. I mean where else would I go?

My mouth watering, I scrolled through Pinterest Food & Drinks. I clicked some links, but nothing looked perfect. Then I found Penne Rosa with Shrimp, it said it only took 15 minutes. PERFECT!

This Penne Rosa would be my first home cooked meal in my apartment, and I decided to invite over some friends, A.K.A. guinea pigs, for dinner.

Like most of these expeditions, aside from the t-shirt rug disaster, I started at the store. This project was more pricey than usual because of the shrimp and healthy over-priced ingredients.

There are two things wrong with this photo. Can you figure it out?

Give up?

1) I didn?t include the marinara sauce and 2) I used Baby Bella mushrooms instead of Button mushrooms

Before I started cooking, I decided to time myself. While the recipe was delicious, 15 minutes was a gross understatement; let?s try 2 hours.

Like most of these projects, it started off simple. Boiling pasta: idiot proof.

The pasta is whole wheat for all you people whom the coloring confuses. I like whole-wheat pasta and the recipe called for it. Double win.

When I went searching through the silverware drawer, I realized we only had serrated edge knives, which wouldn?t be a problem for the mushrooms, but we had tomatoes and garlic. Things were about to get messy up in my tiny kitchen.

Another issue arose because I had to cut things. I?m not particularly graceful, and sharp objects have a tendency to cause injuries in case you were wondering

That knife looks pretty ominous to me?

Luckily, while I was mincing garlic at a snail pace, one of my dinner guests decided to help.

This is what we have friends for: to take the risk for us.

The chopping took forever? or it felt like forever because I was starving. I went to soften the garlic after years of watching my friend chop, but I realized my roommate and I didn?t have a large saucepan.

Fail. The things you probably check: the pans. To save the day, I called my two friends, who I knew had a saucepan, and invited them over for dinner. Evil? Maybe, but hey it worked.

I got my pan and soften the garlic with the red flakes, the seasoning pizza parlors use as pepper. Then literally dumped a liquid mess of tomatoes and mushrooms. The instructions for this part say: ?cook for 5 minutes, or until mushrooms release their water.?

Instructions say what? I didn?t even know mushrooms had water that would release. I spent about 10 minutes staring into the pot, impatiently waiting on my mushrooms to release their water.

The sauce looked tasty already, but the mushrooms? They were being stubborn.

The mushrooms refused to release their water. So, I threw my arms in the air and said screw it. Then dumped some shrimp in the pot.

Yes, the shrimp looks gross. It was raw in this photo.

Now that the meat was involved, my guests decided it was time to make their expert chef opinions known. The instructions had a stupid simple explanation of cooked shrimp: ?cook until the shrimp are pink and opaque.? I thought that was pretty clear, but my guests hovered.

Finally, my shrimp cooked, but I had to taste the shrimp to reassure my guests. I also added in the spinach, which happens to be my favorite veggie in case anyone was interested in that captivating fact.

Although the sauce looks done, it is a trick. We haven?t even added the Greek yogurt and marinara!

I dumped the pasta in and then tried to eyeball the marinara and Greek yogurt because we don?t have cup measurers, and I couldn?t think of any other friends to invite over with cup measurers.

It looks a little funky in the pot, but I blame the lighting.

Finito! After two hours my pasta dish was done, and my guests were passed out from starvation.

It was delicious, and no one died from undercooked shrimp.

My first home ? well, apartment ? cooked meal was a success, but I did realize some things about cooking real meals.

? Healthy ingredients are really expensive? I can?t foot that kind of bill every night. I am obviously not Warren Buffet (a link for people who don?t know what Warren Buffet looks like).

? Check the pots and silverware. I would rather not have to wait for cooking utensils; I?m far too impatient.

? Be open to criticism. If I wasn?t open to my friends criticism, I might have slapped someone in my kitchen.

? Be flexible. Cooking is not like baking because you have more wiggle room. If something doesn?t taste right, add something to fix it up.

? Food brings people together. I realize that is obvious, but its fun to look back and think about a meal with six friends that I made with love and some frustration.

_____
Marylee Williams
Contributing Writer

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Grandmother continues in ongoing child custody battle | Florida ...

A 52-year-old grandmother is hoping to adopt her two young grandchildren and is engaged in an ongoing battle with adoption services and state courts to do so. Her case will finally be heard by the Court of Appeals in the state where the children are currently living, and will determine whether or not the children can be adopted by their grandmother or by their current foster parents.

The grandmother has three sons and eight other grandchildren who live in a close-knit neighborhood together. She has been working to adopt since she discovered that the first child was born in 2009 to her son and his girlfriend who struggled with drug addiction.

The baby was born with cocaine in her system and was immediately placed with a foster family. The girlfriend told the girl's father that the baby went to live with her sister instead of into foster care. No paternal family search was conducted despite the requirement in state law to do so within 30 days.

When the grandmother finally discovered the whereabouts of the baby, along with the discovery of another one on the way, she immediately expressed interest in gaining child custody of both children.

She began the adoption process, which at first seemed promising. However her home state was not cooperating with the adoption state, neither of which is in Florida. The adoption state became frustrated at the lack of communication and asked the foster parents to adopt the girls. The foster parents filed for adoption and gained a favorable ruling last September, primarily because of their strong attachment with the children as the only parents the children have ever known.

The case will hinge on the question of which situation is in the best interests of the children. Would a cross-country move to be with their biological family be more beneficial in the long run than the early struggle of relocating young children?

This ongoing child custody case should be resolved quickly for all those who have been a party to this painful process. Healing will be needed whether or not a move is determined to be the right transition.

Source: Star Tribune, "Rosenblum; Loving families pitted against each other in adoption case" Gail Rosenblum, June 23, 2012

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Video: Flying robot swarm wows at Cannes

20 hrs.

John Roach

The performance of a flying robot swarm at a creativity festival in France has echoes of the highly-coordinated human theatrics that kicked off the summer Olympics four years ago in Beijing.?

The difference here, of course, is that real-life robots, not humans, are the performers.

The robots are quadrotors ? helicopters with four rotors. Their coordinated performance, which gets increasingly complex and mesmerizing as the show goes on, was choreographed by KMel Robotics and Marshmallow Laser Feast.

The most recent performance was the opening ceremony for the Saatchi & Saatchi New Directors? Showcase at the Cannes Lions International Festival of Creativity.KMel Robotics was founded in late 2011 by Alex Kushleyev and Daniel Mellinger, recent graduates of the University of Pennsylvania?s GRASP Lab.?

The duo is also responsible for this video showing nine quadrotors playing the James Bond theme.?

While KMel Robotics promises more information on this project soon, we can surmise a bit more on how they pulled off the performance with a look back at the James Bond playing stunt. Innovation Daily reported:?

The secrets to their smooth, graceful movement are their small size, four rotors and smart on-board processor. By moving each rotor at different speeds, the bots can tilt and turn. Their processors decide the swiftest, smoothest path from Point A to Point B, then send out commands to the rotors 600 times a second.

In a swarm, the robots can also monitor where they are compared to their neighbors. It's important that each robot does this by itself, as it would be too difficult to have one central computer controlling each robot as it flies.

When not showing off their artsy side, the machines could find work scoping out dangerous settings such as buildings after an earthquake or a radiation leak.?

We?ve also seen a quadrotor that keep people motivated on their daily runs. Maybe there?s an idea in there for the opening ceremony for the summer Olympics this July in London??

--Via IEEE?

John Roach is a contributing writer for msnbc.com. To learn more about him, check out his website and follow him on Twitter. For more of our Future of Technology series, watch the featured video below.

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New position statement identifies the hot research topics in Central and Eastern Europe

Public release date: 26-Jun-2012
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Contact: Emma Knott
Emma.knott@kaizo.net
44-207-317-64715
European Science Foundation

European Science Foundation calls for support of social science research in Central and Eastern Europe

Strasbourg, 26 June 2012 - A new forward looking report, 'Central and Eastern Europe Beyond Transition: Convergence and Divergence in Europe', has been published today by the European Science Foundation. The report aims to identify new themes for social science research in and on CEE, which can be promoted and endorsed by national and European funding institutions.

In this forward looking exercise, three interdisciplinary thematic clusters have been identified: Populations in change; New Geographies of Europe; and Social Cohesion. Populations in change aims at looking into how out/in migration, regional population change, ethnic minorities and integration all affect the basic structure of CEE populations. New Geographies of Europe focuses on the 'return to Europe', overcoming the West-East divide, on the influence of cohesion funds on local governance and on the expanding borders of Europe eastwards. Social Cohesion focuses on the degree of socio-economic transformation that post-communist Europe has undergone over the last 20 years, especially in terms of social mobility and social trust.

Peter Weiss, ambassador of the Slovak Republic in Hungary commented: "Rethinking of social science research in and on Central and Eastern Europe, setting new frontiers in social sciences and identifying main research challenges and subjects of cooperation between academics from Western and Eastern European countries is, without a discussion, one of the basic preconditions for overcoming the recent crisis in the EU".

The last 25 years have witnessed some of the most profound political, social and economic changes in Europe's history. The fall of communism at the end of the 1980s not only reshaped relationships within the continent, but also provided fascinating insights into the potential for, and limitations of, the large-scale reshaping of society.

"Social sciences in Central and Eastern Europe were seriously distorted during the communist period." explained Professor Daniel David, vice president of the Romanian Research Council (CNCS). "This Report could help us for integrating social sciences research from Central and Eastern Europe in the international area".

The report also outlines eight structural recommendations for social science research in and on CEE. These underline the need to ensure a stronger presence of CEE scholars and CEE social research issues in international level research projects. They also highlight real needs in terms of the development of research infrastructure and human capital and call for the implementation of good practices in terms of governance, scientific excellence and independence.

"The Forward Look provides a well-elaborated insight and recommendations on the place of Social Sciences and Humanities in Central and Eastern Europe and how these could and should interface with the international research project level" Robert Burmanjer, Head of Social Sciences and Humanities Unit at the European Commission commented.

The report was also praised by Karin Liebhart, president of the Central European Political Science Association: "I'd like to congratulate the entire team that worked on the report at hand. It is an excellent base for further discussion and contains a lot of detailed information and valuable insights."

###

The ESF Forward Look 'Central and Eastern Europe Beyond Transition: Convergence and Divergence in Europe' is available online at www.esf.org/cee

Notes to editors

For more information, please contact
Emma Knott, Kaizo
+44 (0) 207 3176 4715
Emma.knott@kaizo.net

About The European Science Foundation

The European Science Foundation coordinates collaboration in research, networking, and funding of international research programmes, as well as carrying out strategic and science policy activities at a European level. Its members are 78 national research funding and performing agencies, learned societies and academies in 30 countries. www.esf.org

---

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?

AAAS and EurekAlert! are not responsible for the accuracy of news releases posted to EurekAlert! by contributing institutions or for the use of any information through the EurekAlert! system.

Public release date: 26-Jun-2012
[ | E-mail | Share ]

Contact: Emma Knott
Emma.knott@kaizo.net
44-207-317-64715
European Science Foundation

European Science Foundation calls for support of social science research in Central and Eastern Europe

Strasbourg, 26 June 2012 - A new forward looking report, 'Central and Eastern Europe Beyond Transition: Convergence and Divergence in Europe', has been published today by the European Science Foundation. The report aims to identify new themes for social science research in and on CEE, which can be promoted and endorsed by national and European funding institutions.

In this forward looking exercise, three interdisciplinary thematic clusters have been identified: Populations in change; New Geographies of Europe; and Social Cohesion. Populations in change aims at looking into how out/in migration, regional population change, ethnic minorities and integration all affect the basic structure of CEE populations. New Geographies of Europe focuses on the 'return to Europe', overcoming the West-East divide, on the influence of cohesion funds on local governance and on the expanding borders of Europe eastwards. Social Cohesion focuses on the degree of socio-economic transformation that post-communist Europe has undergone over the last 20 years, especially in terms of social mobility and social trust.

Peter Weiss, ambassador of the Slovak Republic in Hungary commented: "Rethinking of social science research in and on Central and Eastern Europe, setting new frontiers in social sciences and identifying main research challenges and subjects of cooperation between academics from Western and Eastern European countries is, without a discussion, one of the basic preconditions for overcoming the recent crisis in the EU".

The last 25 years have witnessed some of the most profound political, social and economic changes in Europe's history. The fall of communism at the end of the 1980s not only reshaped relationships within the continent, but also provided fascinating insights into the potential for, and limitations of, the large-scale reshaping of society.

"Social sciences in Central and Eastern Europe were seriously distorted during the communist period." explained Professor Daniel David, vice president of the Romanian Research Council (CNCS). "This Report could help us for integrating social sciences research from Central and Eastern Europe in the international area".

The report also outlines eight structural recommendations for social science research in and on CEE. These underline the need to ensure a stronger presence of CEE scholars and CEE social research issues in international level research projects. They also highlight real needs in terms of the development of research infrastructure and human capital and call for the implementation of good practices in terms of governance, scientific excellence and independence.

"The Forward Look provides a well-elaborated insight and recommendations on the place of Social Sciences and Humanities in Central and Eastern Europe and how these could and should interface with the international research project level" Robert Burmanjer, Head of Social Sciences and Humanities Unit at the European Commission commented.

The report was also praised by Karin Liebhart, president of the Central European Political Science Association: "I'd like to congratulate the entire team that worked on the report at hand. It is an excellent base for further discussion and contains a lot of detailed information and valuable insights."

###

The ESF Forward Look 'Central and Eastern Europe Beyond Transition: Convergence and Divergence in Europe' is available online at www.esf.org/cee

Notes to editors

For more information, please contact
Emma Knott, Kaizo
+44 (0) 207 3176 4715
Emma.knott@kaizo.net

About The European Science Foundation

The European Science Foundation coordinates collaboration in research, networking, and funding of international research programmes, as well as carrying out strategic and science policy activities at a European level. Its members are 78 national research funding and performing agencies, learned societies and academies in 30 countries. www.esf.org

---

[ | E-mail | Share ]

?

AAAS and EurekAlert! are not responsible for the accuracy of news releases posted to EurekAlert! by contributing institutions or for the use of any information through the EurekAlert! system.

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7 Building Blocks of a Successful Small Business | Noobpreneur ...

Starting a new business is always a very exciting time for any new company. It officially marks their presence in the business world and in the process makes them competitors in the eyes of other companies involved in the same industry. Ask any entrepreneur and they will tell you that starting a new business is hard. However that?s just the beginning. Keeping it successful is ten times harder. It requires a lot of hard work, dedication and focus. BUT, it?s achievable. By focus, I mean paying attention to key elements related to your industry that can make or break a company. This will be the topic of discussion today as we highlight 7 important building blocks of a successful small business.

1. Targeting of the Target Audience

A company who has not done extensive research on its target audience is setting itself up for failure from the start. This should be done before the company even opens its doors for business. A successful company should have four very important strategies already in place when it comes to their potential clients and customers.

• Who They Are?
• How to Reach Them?
• How to Get Their Business?
• How to Retain them?

If your message is going to the wrong people or to those who have no interest in what you have to offer to begin with, you are going to end up wasting valuable resources and income. Do your homework. Do you research! Know who your target audience is and how to reach them.

2. Good Marketing Plan

This is another aspect of your business model that should be carefully researched, debated and planned before your company makes its debut. You have a good product. You know you can give better service. You know your pricing is competitive. But how do you inform your audience? For that, a successful company should have an in-depth marketing plan in place. How will they reach their customers and target competitor?s customers? How can they be informed of new items, sales and rebates? Depending on the nature of your business, the answers can vary. Some companies are keen on an extensive email marketing campaign. Others can spend money on advertising in the media. Almost all of them utilize social media to their advantage reaching out to their customers on FaceBook and Twitter and giving them an opportunity to interact with the company.

3. Keeping an Eye On Competitors

Contrary to what many believe, competitors are just as valuable to a new start up as customers. A new start up can learn from the experience of their rivals. They can use it as a reference manual to incorporate the same things in their business model that they are doing. Now obviously no company openly outlines their business model to the world but just by doing research on the company itself (which is free and easy to do via the internet), new businesses can gain very valuable insight on how their competitors are making money, reaching their customers and more importantly, what are some of the things they are doing to keep them loyal and committed. This first-hand knowledge is pure gold for new start ups. It goes without saying an in-depth competitor analysis is an absolute must for new businesses.

4. Have a Good Product or Service

Whether your business revolves around selling various products or services, you will have to make sure it can stand out from the crowd. The main question to ask is how can I give my product or service that one edge that will put it on top or set it apart from the rest of the competition. Be it the price, the quality, the added features, a successful new business should put emphasis on being unique because that?s what?s going to make that compelling impression on the customers.

5. Predict The Future, Today

In my opinion, this is huge. Getting this right can not only have an enormous impact on your company?s revenues, it will also give you a huge boost in the ?trustworthy? rankings. A successful company keeps a sharp eye on the industry as well as the ever changing needs of their customers. They conduct surveys, get clients to participate in questionnaires and organize open sessions to get an idea about what they want. They also watch similar events unfold worldwide with great interest to foresee and predict any change or shift in the industry, or consumer needs. Having such invaluable knowledge beforehand and a competent backup strategy in place in case changes do occur, will make your company look well prepared and trustworthy, the two most essential elements every potential customer or client looks for when doing business.

6. Promotions, Sales, Celebrations

A good product or competent service will only go so far. Companies should also take steps to interact with their customers on a personal level and keep them happy. A great way of doing that is celebrating special occasions and conducting huge sales. For example having a Veteran?s day sale on Veteran?s day or an Independence Day event, gives the impression that your business is patriotic and also celebrating this occasion with millions of American around the country. The same goes for religious occasions such as Christmas and Thanksgiving.

7. Exploring New Opportunities

In my opinion, this should be done around the clock, 24 hours a day, all year long. Successful companies never stop at one point or settle down. They keep on looking for new avenues to explore, new alliances to forge, new opportunities to grab and new markets to penetrate and establish themselves in. If they won?t do it, their competitors will.

These are the 7 essential building blocks of a good, successfully and well prepared business. I stress importance on well prepared because that in my opinion is the only practice that can help keep a business afloat in today?s market. The competition is too fierce and the opportunities are tremendous. Be sure to implement the above points into your business model. They will be instrumental in putting your business on the road to success.

About the Author: Jennifer Mathews is a creative logo design consultant for LogoSnap.com, helping small businesses create a brand image and grow their online presence. She likes to stay ahead of trends, explore new mediums and blog about her experiences.

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News Corp. considers split in 2, stock jumps

FILE- This combination of Associated Press file photos show a Fox Sports logo, left, and a person holding a copy of a Wall Street Journal, right. Under pressure to limit contagion from the British phone hacking scandal, Rupert Murdoch's News Corp. confirmed Tuesday, June 26, 2012, that it is considering splitting into two publicly traded companies. The Wall Street Journal, News Corp.'s flagship newspaper, reported late Monday that the company is considering the separation of the newspaper and book publishing businesses from the entertainment arm, which includes Fox News Channel, broadcast TV network and 20th Century Fox movie studio. The media conglomerate did not specify Tuesday which businesses each company would contain. (AP Photo/Ross D. Franklin, Matt Dunham, File)

FILE- This combination of Associated Press file photos show a Fox Sports logo, left, and a person holding a copy of a Wall Street Journal, right. Under pressure to limit contagion from the British phone hacking scandal, Rupert Murdoch's News Corp. confirmed Tuesday, June 26, 2012, that it is considering splitting into two publicly traded companies. The Wall Street Journal, News Corp.'s flagship newspaper, reported late Monday that the company is considering the separation of the newspaper and book publishing businesses from the entertainment arm, which includes Fox News Channel, broadcast TV network and 20th Century Fox movie studio. The media conglomerate did not specify Tuesday which businesses each company would contain. (AP Photo/Ross D. Franklin, Matt Dunham, File)

FILE- This Monday, Feb. 1, 2010, file photo, shows News Corp.'s headquarters in New York. Under pressure to limit contagion from the British phone hacking scandal, Rupert Murdoch's News Corp. confirmed Tuesday, June 26, 2012, that it is considering splitting into two publicly traded companies. The Wall Street Journal, News Corp.'s flagship newspaper, reported late Monday that the company is considering the separation of the newspaper and book publishing businesses from the entertainment arm, which includes Fox News Channel, broadcast TV network and 20th Century Fox movie studio. The media conglomerate did not specify Tuesday which businesses each company would contain. (AP Photo/Mark Lennihan, File)

LOS ANGELES (AP) ? Under pressure to limit contagion from the British phone-hacking scandal, Rupert Murdoch's News Corp. said Tuesday that it is considering splitting into two publicly traded companies.

The move comes as Britain's communications regulator, Ofcom, enters the final stages of its review of whether satellite TV firm British Sky Broadcasting ? of which News Corp. holds a 39 percent stake ? is "fit and proper" to hold a broadcast license.

The separation of News Corp.'s tainted newspaper division from the lucrative TV and movie assets might appease regulators, analysts said.

"I'm not saying it completely ameliorates Ofcom's concerns. But I think it helps," said Canaccord Genuity analyst Tom Eagan.

British investigators have been probing allegations that News Corp.'s U.K. newspaper journalists hacked into phones and bribed public officials in the hunt for scoops. The probe has caused the company to abandon its bid for full control of British Sky Broadcasting. A split could help the company avoid being forced to sell off its remaining stake, worth some $6.9 billion.

The media conglomerate did not specify Tuesday which businesses each company would contain.

The Wall Street Journal, News Corp.'s flagship newspaper, reported late Monday that the company is considering separating the newspaper and book publishing businesses from the entertainment arm, which includes Fox News Channel, its broadcast TV network and the 20th Century Fox movie studio.

The entertainment arm is far more profitable. It accounted for about 75 percent of the company's revenue and nearly all of the operating profit in the first nine months of the fiscal year, which ends this coming Saturday.

Bernstein analyst Todd Juenger said in a research note that the split would allow the company to invest more in the growing entertainment field "without the baggage of publishing."

Investors welcomed the news. News Corp.'s stock rose $1.72, or 8.5 percent, to $21.80 in mid-afternoon trading. During the day, shares reached as high as $21.89, the highest level since hitting $21.90 on Oct. 25, 2007.

A former News Corp. executive familiar with internal company deliberations says such a split has been talked about for years, although discussions gained new momentum in the wake of the phone-hacking scandal, which erupted last July.

The split would allow Murdoch to keep control of his prized publishing operations through his voting shares while pleasing investors who have viewed the newspapers as a drag on shareholder value.

The 81-year-old billionaire built the company from a single Australian newspaper he inherited from his father. The Murdoch family controls about 40 percent of News Corp.'s voting shares.

The former executive, who spoke on condition of anonymity in order to speak candidly about internal company deliberations, said no final decision has been made.

Evercore Partners analyst Alan Gould said the publishing assets, which include Dow Jones & Co. and newspapers such as The Times of London, could be worth about $5 billion. Without them, he estimated revenue growth of the bigger TV and movie entity would nearly double to about 7 percent a year.

It is unclear if the spun-off publishing unit would also bear the legal costs of the U.K. probe. In the first nine months of the fiscal year, probe costs have totaled $167 million.

The point of a split is not to create a smaller company "that would just wither and die," Eagan said. It would have to contain enough profitable businesses to attract investors.

Eagan pointed to the successful spin-off of cable TV giant Time Warner Cable Inc. from the entertainment company Time Warner Inc. in March 2009. Because the cable division was more willing to pay out dividends and buy back shares, its stock price has more than tripled since then. Meanwhile, Time Warner Inc.'s stock price has doubled.

Time Warner shareholders were granted stakes in both separated companies, but "overall you are better off" with the split, Eagan said.

The problem for News Corp. isn't just that newspapers and books make less money than television and film. It's also that investors value the earnings from each differently. They are willing to pay less for a single dollar of earnings from the former than they are for a single dollar of earnings from the latter.

On Monday, investors buying News Corp. stock were paying the equivalent of $5.80 for every $1 of operating earnings that the combined company is expected to generate this year, according to Gould. That is 20 percent lower, or $1.50 less, than investors are paying for more pure play TV and film companies like CBS Corp. and Viacom Inc.

Do the math on News Corp.'s expected $6.6 billion in operating earnings this year, and that means the company is being valued $10 billion less than its TV and film rivals. Gould says the idea behind the split is to capture some of that $10 billion. He believes the company could do it and is recommending that his investing clients buy the stock.

___

Associated Press writer Raphael Satter in London and Business Writer Bernard Condon in New York contributed to this report.

Associated Press

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Increase The Worth Of Your Living Space With ... - Energy Efficiency

A fun project to take on is creating a bar in your basement. Homeowners will derive pleasure from designing the bar, as well as actually watching the project unfold before their eyes. No matter how you decide to do it, adding a bar to your home can enhance its value.

Do not sink a whole lot of money into new hardwood flooring, unless you have already consulted with a professional about the condition of existing flooring in your home. You may already have wooden floors that are hidden by old carpet or vinyl flooring that are waiting to be uncovered and refurbished. This can result in you spending less money to wind up with beautiful, high quality floors.

If your home has a deck, there are several things to watch out for that may alert you to needed repairs. Seek for uneven boards in the cracks in the wood. Also, look for dry rot in the deck and do not forget to look for uneven screws and nails.

Try painting stripes on the walls prior to panel installation. Even the most meticulously installed paneling tends to show small areas of the old wall beneath. In order to lessen this showing, measure the meeting point of the panels. Use a color that will match the paneling and paint the areas where the paneling will meet.

Hire a chimney sweep to regularly clean and inspect your chimney. Any fireplace that is used on a regular basis needs an inspection from time to time to make sure the chimney is clean and the airways vent properly. Neglecting this important maintenance can lead to a build-up of unhealthy gases in your home or even a disastrous fire in your chimney itself.

Add motion-detecting lights to your home?s exterior to save money and increase security. Motion sensing lights stay off until they detect motion in their path, and then they turn on automatically. Also, intruders are more wary of lights that turn on because of their movements.

Add newness to any room by adding accessories. A few new pillows or a new wall decoration can create a huge difference in a room. New drapes can also add a little something extra.

If you want to change the design of your kitchen, try out new handles and knobs on your cabinetry. You?ll find it easy to install cabinets, and they can really spice up the way your home looks. If you do add in new knobs, make sure you clean your cabinets so that everything looks better in the end. Simply screw the new knobs on and presto, you?re done!

If you are doing home renovations with the plumbing or near plumbing, turn off the main water supply. Prior to working on any plumbing, make sure you locate and turn off your home?s water source.

Use this tip if you are having problems with hard water. Use a water softener to filter your water. These devices separate the source of the hardness, magnesium and calcium deposits, from the water. You can try different types, such as liquid or tablets. Shop around and find the softener that fits your needs.

If you want to get rid of popcorn ceiling, be sure it?s first tested for asbestos. Asbestos is a dangerous building material that was used in the past and requires removal by only licensed contractors. Because of this, you might need to consider hiring a professional to come in with specialized equipment to handle asbestos removal, if your popcorn ceiling contains any.

You should now have a better idea of what is required to become proficient in home improvement. There are lots of information out there and you must know how to use it. Doing so can give you the home you have always dreamed of.

Richie Vee, the site?s editor, is the Chief Engineer of one of the largest Platinum LEED buildings in NYC. His extensive engineering experience helps guide consumers through home improvement projects for the average homeowner. Using home solar energy and roofing repair ideas to save them money.

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Follow These Suggestions To Health And Fitness |

Exercise can be defined as an equilibrium of both mental and physical health. When people get in shape, they are healthful and happy. Should you be able to take measures in the direction of stepping into condition, this information has assistance to help you enhance your exercise and boost your daily life.

A fantastic physical fitness suggestion for everyone is usually to incorporate a well-balanced diet program to complement your exercises. Whether you?re delighted at your existing bodyweight or would like to slim down a bit, a diet plan loaded with vitamins and minerals is extremely important to looking after your well being. Everyone should always consume a healthier and wholesome healthy diet.

Take smashes throughout the day if you wish to protect against serious vein thrombosis. Require a brief move about every single 20 minutes. Extend your arms and legs to get the bloodstream going around once more. A few small workouts during the day can create a significant difference to your health and fitness.

Attempt these tips which were provided by football person on the way to exercise your forearms. Distributed a big section of newspapers more than a kitchen table or similar flat surface. Using your dominant fingers, crumple the full paper for 30 moments. In case you have done this twice, change hands and wrists, get it done another time, then move back to your superior hands.

Including a well-balanced diet program with the work out is really an exercise tip. Eating a balanced diet is crucial if you are attempting to lose weight or are in an ideal weight. You might be perfectly satisfied with your body?s look, but appropriate nutrients remains crucial.

m. workout routine. Have got a pre-exercise regimen where you awaken a short while early to obtain in some gentle aerobic and stretching out which means your body is warmed up. You can use this to assist you create very good habits that may be included in with time. It may also help commence you time in the correct feet.

When sprinting up a mountain, make your go raised along with your eye qualified at the hill?s precipice. This may cause working less difficult, because it starts the breathing passages generating inhaling and exhaling easier than when the brain had been dealing with toward the ground.

Once you get the opportunity, participate in fitness plans at the university. This will assist show to your kid that physical fitness is important for you and this it should be equally important directly to them. This can get them to be concerned far more.

Smoking will mess up your physical fitness program. If you cigarette smoke, quit. This will help to become wholesome and remain in existence much longer. Remember that there exists constantly sufficient time remaining in your daily life to benefit you from stop smoking. You reduce the danger of heart attacks and you also often improve your life expectancy, too. Perform proper thing on your own and stop today.

Cardiovascular exercises are the key to rock and roll-hard abdominal muscles. Make an effort to do strength training two or three times per week and aerobic for around 30 or 45 minutes or so thrice each week. Do a full body workout and work on your ab muscles every other day.

It is essential to exercise muscle groups that you previously practiced the prior time. A simple way to brighten the workouts are to go through exactly the same exercise routines using a lot less effort and finishing much less reps.

Just like an equipment, your system needs the essential elements like carbs, healthy proteins, as well as body fat, to back up overall fitness. The proper rate is 20% fat, 35% carbs, and 45Percent proteins. You must make an effort to try to eat healthy proteins in the course of every meal, as it is essential for developing wholesome muscles.

To stop an accident from receiving you out of shape, proceed doing exercises the arms and legs which are uninjured. This physical exercise has two positive aspects. First, it really helps to keep up with the power you might have developed within the uninjured arm or lower body. Second, physical exercise in one left arm or leg is believed to induce some of the neural system and muscles inside the other, helping to prevent loss in muscle mass even just in the hurt limb.

Although getting in shape and boosting your well being could be seeking, you?ll find that the method can be extremely enjoyable also. Use some of these health and fitness ideas to include variety for your individual workout routine. Approach getting into design like a method that entails exertion on a regular basis. When you take part in a modest amount of physical exercise frequently, you will see tremendous profits in health.

If you want extra details on work out equipment head over to Joleen Z. Lyles?s site there is plenty of details not covered in this article, take a look at Author?s website to locate added information.

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Researchers Observe Climate Change, First-Hand

Craig Allen, research ecologist, United States Geological Survey
George Divoky, director, Friends of Cooper Island (Alaska)
Richard Harris, science correspondent, NPR

As the climate changes, scientists are documenting measurable shifts in the natural world ? from a tremendous loss in Arctic sea ice and an increase in extreme weather like drought, floods and heatwaves, to the migration of plants and animals to new latitudes.

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Artifactors

Mirror Mirror on the wall, where the heck did I fall?

Owner:

Game Masters:

This topic is an Out Of Character part of the roleplay, ?The Shattered Mirror?. Anything posted here will also show up there.

Topic Tags:

Forum for completely Out of Character (OOC) discussion, based around whatever is happening In Character (IC). Discuss plans, storylines, and events; Recruit for your roleplaying game, or find a GM for your playergroup.
Because they are probably one of the more complicated classes I have decided to make a thread devoted to them. This is where you can post some questions about this class and how they work.

Lets go over the basics shall we?

Q: What makes an artifactor different then other magic users?
A: Good question computer. Artifactors are first off, are not connected to the magic realm.

Q: What does that mean? How can they use magic then?
A: Another good question compie. While they themselves are not magical, they can tap into magic of the item. The magic of the item only exists in the item.

Q: What makes an Artifact an Artifact
A: Another fine question my good computer. An artifact is an item that has somehow gained its own magical properties. It is a rare item, or made of rare materials. It usually has some importance to the wielder.

Q: How does an item become and Artifact?
A: You have a lot of questions computer. An item comes an artifact through a few ways. Two of the most common ways are
1. A great event has happened, one that has/can change the path of history. Such as a lute belonging to a king that conquered that brought peace.
2. The item has been left over a long time in a place with residual magic. This takes thousands of years. Example. Ted's Rock.

Q: Who is Ted and how did he get his rock?
A: I will tell the story when I explain how Artifactors find their items compie. Calm yourself.

Q: Can Artifactors use magic without their artifact?
A: No. They can not. That is because they cannot connect to the magic realm.

Q: Can Artifactors use more then one elemental type?
A: Yes. The reason is actually because they aren't exactly using magic from the magic realm. But the draw back to this is that their magic isn't as strong as a mages would be. However, this isn't such a bad thing, the more experienced ones can switch mid battle and attack with an opposing element. They can heal minor wounds but not major ones.

Q: What happens if an artifactors artifact breaks?
A: Then my good computer, they can no longer use their magic, and if they ever want to use magic again they better find a new artifact.

Q: How do artifactors find their artifact?
A: You just want to hear the story of Ted and his rock compie. Fine. Artifactors, for a lack of a better explanation, hear an artifact that they can wield. But only they can hear it, not anyone else, and not, necessarily, an other artifactor. Here is the story of how the simple shepherd, Ted, found his artifact.
Bob and Ted was just walking around one day, and suddenly Ted turned to Bob, pointed at the rock and said. "This rock is humming!" Bob looked at him and said "The f kind of nonsense are you talking about Ted?"
"Bro I swear to god this thing is f-ing humming"
"Dude maybe you should try and make shite explode with it!"
So Ted picked up the rock, concentrated hard, and pointed at a sheep.
BOOM
"BRO I JUST TOTALLY MADE THAT SHEEP EXPLODE WITH THIS ROCK"
"TOTALLY RAD DUDE YOU'RE AN ARTIFICOR" It turns out the rock was sitting directly ontop a pocket of magic deep underneath the earth and had, over time, gathered its energy. How was the rock important to Ted? Well it was often where he would stop by and he had once used the rock, before it had fully turned into an artifact, to protect his sheep from a lion. Yes, Ted did just make one of his sheep explode, but in his defense it was rather cool. Oh, Bob later became a holy warrior and his sword is an artifact. Ted cannot use it though, because he is more attuned to things that remind him of his sheep and not of swords.

Q: That doesn't sound very much like something a fantasy person would say.
A: And that doesn't sound very much like a question, so shut up compie.

Q: Can an artifactor use another artifactors artifacts?
A: Try saying that ten times fast. The answer is...well yes and no.

Q: What does that mean?
A: Well it means that an artifact also needs to have something/be an item of something they feel close too, such as someone close to music may only be able to use music related but it may only be stringed instruments or something. So if two artifactors have a love of stringed instruments it is possible that the can both use that artifact. But it is a very very rare occurrence because of the other determining factors mentioned above.

That is all for now. Any questions feel free to ask. I will do my best to answer them.

You said you would always be there for me...I guess you lied

"With these hands we will destroy"

Nowfaleena

Member for 1 years

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