Friday, August 31, 2012

Pentagon may take legal action against SEAL author

FILE - This book cover image released by Dutton shows "No Easy Day: The Firsthand Account of the Mission that Killed Osama Bin Laden," by Mark Owen with Kevin Maurer. The Pentagon's top lawyer has informed the former Navy SEAL who authored the forthcoming book describing details of the raid that killed Osama bin Laden that he violated agreements to not divulge military secrets and that as a result the Pentagon is considering taking legal action against him. The general counsel of the Defense Department, Jeh Johnson, wrote in a letter transmitted to the author on Thursday, Aug. 30, 2012, that he had signed two nondisclosure agreements with the Navy in 2007 that obliged him to "never divulge" classified information. Johnson said that after reviewing a copy of the book, "No Easy Day," the Pentagon concluded that the author is in "material breach and violation" of the agreements. (AP Photo/Dutton, File)

FILE - This book cover image released by Dutton shows "No Easy Day: The Firsthand Account of the Mission that Killed Osama Bin Laden," by Mark Owen with Kevin Maurer. The Pentagon's top lawyer has informed the former Navy SEAL who authored the forthcoming book describing details of the raid that killed Osama bin Laden that he violated agreements to not divulge military secrets and that as a result the Pentagon is considering taking legal action against him. The general counsel of the Defense Department, Jeh Johnson, wrote in a letter transmitted to the author on Thursday, Aug. 30, 2012, that he had signed two nondisclosure agreements with the Navy in 2007 that obliged him to "never divulge" classified information. Johnson said that after reviewing a copy of the book, "No Easy Day," the Pentagon concluded that the author is in "material breach and violation" of the agreements. (AP Photo/Dutton, File)

(AP) ? The Pentagon's top lawyer on Thursday informed the former Navy SEAL who wrote a forthcoming book describing details of the raid that killed Osama bin Laden that he violated agreements to not divulge military secrets and that as a result the Pentagon is considering taking legal action against him.

The general counsel of the Defense Department, Jeh Johnson, wrote in a letter transmitted to the author that he had signed two nondisclosure agreements with the Navy in 2007 that obliged him to "never divulge" classified information.

"This commitment remains in force even after you left the active duty Navy," Johnson wrote. He said the author, Matt Bissonnette, left active duty "on or about April 20, 2012," which was nearly one year after the May 2011 raid.

By signing the agreements, Bissonnette acknowledged his awareness, Johnson wrote, that "disclosure of classified information constitutes a violation of federal criminal law." He said it also obliged the author to submit his manuscript for a security review by the government before it was published. The Pentagon has said the manuscript was not submitted for review, although it obtained a copy last week.

Johnson said that after reviewing a copy of the book, "No Easy Day," the Pentagon concluded that the author is in "material breach and violation" of the agreements.

The book is to be published next week by Penguin Group (USA)'s Dutton imprint. The Associated Press purchased a copy Tuesday.

Johnson addressed his letter to Mr. "Mark Owen," using quotation marks to signify that that this is the author's pseudonym. His real name is Matt Bissonnette.

Bissonnette referred requests for comment about the letter to his publisher, which was not immediately available.

"I write to formally advise you of your material breach and violation of your agreements, and to inform you that the department is considering pursuing against you, and all those acting in concert with you, all remedies legally available to us in light of this situation," Johnson wrote.

The Pentagon has not revealed how it got a copy of the book.

Johnson noted that "copies of the book have apparently already been released." He added, "further public dissemination of your book will aggravate your breach and violation of your agreements."

The Pentagon did not release copies of the nondisclosure agreements that it said Bissonnette had signed in 2007. A spokesman, Army Col. Steve Warren, said they were being withheld because they include the author's real name and his signature.

In his book, Bissonnette wrote that the SEALs spotted bin Laden at the top of a darkened hallway and shot him in the head even though they could not tell whether he was armed. Administration officials have described the SEALs shooting bin Laden only after he ducked back into a bedroom because they assumed he might be reaching for a weapon.

Military experts said Wednesday that if Bissonnette's recollection is accurate, the SEALS made the right call to open fire on the terrorist mastermind, who had plenty of time to reach for a weapon or explosives as they made their way up to the third level of the house where he hid.

___

AP Intelligence Writer Kimberly Dozier contributed to this report.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/386c25518f464186bf7a2ac026580ce7/Article_2012-08-30-Bin%20Laden%20Book-Pentagon/id-ddcd6907d0e24068b360fd07a3c7077b

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How Do I Short Sale My Home ? Rocklin Short Sale | Allan Sanchez ...

How Do I Short Sale My Home ? Rocklin Short Sale How Do I Short Sale My Home - Rocklin Short Sale

How exactly do I short sale my Rocklin home?? It?s a question I hear regularly.? You know that a short sale can relieve you of a home that is underwater but getting started on a Rocklin short sale is another story!? Here?s how to initiate a short sale for your Rocklin home:

Go ahead and give your bank a call.? Don?t go into too much detail but tell them you have a hardship and need to short sale your home.? Some banks, like Bank of America, will give you short sale tips and paperwork to get the ball rolling.? They will also tell you to pick an experienced short sale agent in your area to represent you.? Other banks are more difficult for the seller to communicate with.? If your?re not getting anywhere with your bank, go ahead and speak with a local short sale agent.? An agent knowledgeable with your bank already has the know-how to get short sale started, knows what to submit to the bank, and how to best negotiate on your behalf.

Once you choose a Rocklin short sale agent, they will guide you through the process.?? The short sale process will include putting your home on the market, choosing a well qualified buyer, submitting appropriate paperwork to the bank, obtaining a short sale approval, and closing the short sale much like a regular sale.? Short sales are not too difficult as long as you choose a qualified short sale agent who you feel comfortable working with.

There are a lot of questions that come up when considering a short sale.? I?m here to help and happy to answer your questions. See if you qualify to sell your Rocklin home as a short sale.

How Do I Short Sale My Home ? Rocklin Short Sale

Source: http://www.allanshomes.com/how-do-i-short-sale-my-home-rocklin-short-sale/

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Presidential Proclamation -- National Ovarian Cancer Awareness ...

The White House

Office of the Press Secretary

For Immediate Release

August 31, 2012

?

NATIONAL OVARIAN CANCER AWARENESS MONTH, 2012

?

BY THE PRESIDENT OF THE UNITED STATES OF AMERICA

?

A PROCLAMATION

?

This year, thousands of American women will lose their lives to ovarian cancer. ?They are mothers and daughters, sisters and grandmothers, community members and cherished friends -- and the absence they leave in our hearts will be deeply felt forever. ?During National Ovarian Cancer Awareness Month, we honor those we have lost, show our support for women who bravely carry on the fight, and take action to lessen the tragic toll ovarian cancer takes on families across our Nation.

?

Sadly, women are all too often diagnosed with this disease when it has already reached an advanced stage. ?Because early detection is the best defense against ovarian cancer, it is essential that women know the risk factors associated with the disease. ?Women who are middle-aged or older, who have a family history of ovarian or breast cancer, or who have had certain cancers in the past are at increased risk of developing ovarian cancer. ?Any woman who thinks she is at risk of ovarian cancer ? ?or who experiences symptoms, including abdominal pain, pressure, or swelling -- should talk with her health care provider. ?To learn more, visit www.Cancer.gov.

?

Ongoing progress in science and medicine is moving us forward in the battle against ovarian cancer, and my Administration remains committed to improving outcomes for women suffering from this devastating illness. ?Through agencies across the Federal Government, we are continuing to invest in research that paves the way for a new generation of tests and treatments. ?Through the Centers for Disease Control's Inside Knowledge campaign, we are working to raise awareness about the signs and symptoms of ovarian cancer. ?The Affordable Care Act already bans insurance companies from dropping a woman's coverage because she has ovarian cancer, and from placing lifetime or restrictive annual dollar limits on her coverage. ?Beginning in 2014, the law will also prohibit insurers from denying coverage or charging higher premiums because a woman has ovarian cancer -- or any other pre-existing condition.

?

Ovarian cancer affects the lives of far too many women every year, and the tragedy it leaves in its wake reverberates in communities across our country. ?This month, we stand with all those who have known the pain of ovarian cancer, and we rededicate ourselves to the pursuit of new and better ways to prevent, detect, and treat this devastating disease.

?

NOW, THEREFORE, I, BARACK OBAMA, President of the United States of America, by virtue of the authority vested in me by the Constitution and the laws of the United States, do hereby proclaim September 2012 as National Ovarian Cancer Awareness Month. ?I call upon citizens, government agencies, organizations, health care providers, and research institutions to raise ovarian cancer awareness and continue helping Americans live longer, healthier lives. ?I also urge women across our country to talk to their health care providers and learn more about this disease.

?

IN WITNESS WHEREOF, I have hereunto set my hand this thirty first day of August, in the year of our Lord two thousand twelve, and of the Independence of the United States of America the two hundred and thirty-seventh.

?

BARACK OBAMA

Source: http://www.whitehouse.gov/the-press-office/2012/08/31/presidential-proclamation-national-ovarian-cancer-awareness-month-2012

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Thursday, August 30, 2012

PHOTOS: Cypress Hill and Sublime with Rome high in heaven

Source: http://feeds.clatl.com/~r/clatl/music/~3/JIXGCEBX9hc/photos-cypress-hill-and-sublime-with-rome-high-in-heaven

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Advice On Increasing The Traffic To Your Website - Empower Network

Internet marketing involves the selling of goods or services over the Internet. It can be complicated if you are new to Internet marketing, but luckily for you there is a whole of host valuable information to help you get started in your Internet marketing venture.

Make sure that you implement all sorts of different software to make your Internet marketing strategy as successful as possible. If you fall behind the technology, your clients may doubt your abilities. Show your customers that you are on the ?up and up? and are familiar with new ideas so that you can retain their respect.

TIP! A lot of readers will approach any claims you make with a healthy grain of salt. That is because they are used to a lifetime of misleading advertising.

Your website should be of clear and simple content, and the links very noticeable. When people open your web site, they want to be able to efficiently find any information they are looking for. Most people will not spend extra time hunting for information.

A FAQ (frequently asked questions) page is an essential tool for keeping your website?s visitors happy and well-informed. Instant gratification will be received by the customer, their problem is fixed and they will continue to be happy clients. WIth more information, your visitors are more likely to become customers.

You should approach banner advertising differently, and go for a unique approach when designing one for your website. So try and make your banner ads stand out to have more people click on it.

TIP! While internet marketing has some commonality with other strategies, it differs in some substantial ways. For example, search engines might decide to stop taking the title tag into consideration.

If you do not redesign your website very often, at least include a blog that you update frequently. Search engines like fresh information, and if your site does not have it, they will move you down in rankings. A blog allows you to create fresh content consistently.

Run creative competitions and offer prizes. You could do word scrambles, using terms relevant to what you?re selling, and give prizes for the right answers. If they are able to find them you can offer a discount that will encourage people to make a purchase. Making the site interactive and fun will personally involve them with your business, create goodwill and trust. They will be more likely to buy.

Consider creating polls and placing them beside different content on your webpage. This will enable you to understand what your viewers think of your site. This is a great way to keep appealing content on your website, and keep your users feeling involved.

TIP! Give people a limited time offer. These incentives can help build a good rapport between you and your customers and should be considered a marketing expense.

Putting free samples and coupons inside the boxes when you ship customers orders that are related to the product is a great idea. Many customers will look at the coupon as an added incentive for returning to the website for more purchases.

Try and make your marketing campaign personal. You can put a photo of yourself online and refer to yourself by name in advertisements. It might be a good idea to have some sort of handwritten statement that welcomes your visitors to your site.

Contrary to its name, you don?t need to technically market on the internet in order for it to be called internet marketing. Reach out to people who have blogs on a regular basis and have them go to conferences you might have. This nurtures a feeling of community between your business and the bloggers, and it makes the bloggers more likely to continue writing about your brand and products.

TIP! If you really want to increase the traffic to your site, make sure that you?re advertising your site on other popular websites. This type of advertising will help more people become aware of your site and help your business grow.

If you intend for it to be a marketing tool, your website has to meet your customers? needs. If you only have a simple website that has your business address and working hours, you will not have much success online. Websites that bring in repeated business are engaging. Interesting websites include photos, updated information about products or services, answers to common questions and more.

Now that you?ve come to the end of this article, you are ready to get started. You can reach anyone via the internet. Apply what you?ve just read and you are sure to create a successful business.

Source: http://www.empowernetwork.com/contino/blog/advice-on-increasing-the-traffic-to-your-website/

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ALOE DISTANS - AuctionBidz-Online Web Auctions,Shopping Site ...

The Seller of this item, cactusoz, assumes all responsibility for this listing!

FOR SALE

IS THE VARIETY IN PICTURE

IT IS IN A 70 MM POT

IN GOOD HEALTH

WILL RECEIVE SIMILAR SIZE OR LARGER

(SMALLER PLANTS WILL NOT BE SENT)

I COMBINED POSTAGE ON MULTIPLE ITEMS

ITEMS ARE POSTED ON MONDAY TO WEDNESDAY

FOLLOWING PAYMENT

THANK YOU FOR LOOKING

Source: http://www.auctionbidz.com.au/auctiondetails.php?id=625272

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Wednesday, August 29, 2012

[WATCH]: Cardio Workout for all the enitre world ... - Health & Fitness

Rating: 4

Here you go You Tube World!) Barry Lovelace from www.exercise4everybody.com with another great workout for you to do right in your living room, hotel room or you baasemanet! This workout is designed to work your entire body especially your Endurance System! Have fun and mix this workout in with my other workouts during your week. Have Fun! Find me at http www.barrylovelace.com

Source: http://aerobic-fitness.vrg-healthfitness.com/2012/08/29/watch-cardio-workout-for-all-the-enitre-world-join-in-the-fun-2/

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Recovery and Continuity The Difference | Szczecin miasto z ...

Recovery and Continuity: The Difference

March 10th, 2012

In the past couple of years there have been a big number of natural disasters causing untold amounts of harm, setting a lot of businesses back years if not decades. There is not a lot we can do to avoid these disasters, but we can be ready for them. Is your business ready?

Most companies have at least fundamental protection from emergencies and disasters in place. The most typical forms of protection are insurance, server and personal computer backup, and fundamental preparations as needed by law. Whilst these protective measures are deemed sufficient for most companies, there is nonetheless a likelihood a disaster will strike, leaving your company in the lurch.

In the current months and years an increasing number of occurrences, such as the earthquake in Japan and flooding in Thailand, have brought on widespread disruption to corporations. To counter this, two organization initiatives have risen to the forefront: Disaster Recovery (DR) and Business Continuity Preparing (BCP). In fact, these two terms have turn into common buzzwords, a fast net search returns over 53 million hits on business continuity alone. The dilemma is that numerous specialists are unclear on what each and every actually is. It is crucial to be clear on every topic and the fundamental steps to take to be prepared for any disaster.

What is a Company Continuity Strategy (BCP)? BCP, 1st observed in the course of the Y2K scare of the late 90s, is a plan that covers the way an organization prepares for and maintains all crucial business functions. BC arranging is comprised of actions that make certain upkeep, stability, and recoverability of service just before, in the course of, and immediately after a disaster. The plan is usually set up on a day-to-day basis, and covers the complete organization.

It is essential to have a BCP for your organization because if a thing happens and you cannot deliver to your customers, they will go to yet another business.

What is Disaster Recovery? Disaster Recovery is deemed a component of the overall continuity program that focuses on the technical side of the company, such as elements such as information backup and recovery. Assume of BCP as an umbrella and DR is under the umbrella if you do not have a disaster recovery program, the overall umbrella is more or much less useless.

What Should be in Your DR and BCP Plans? These plans each share a quantity of similarities, generally following the identical steps involving the very same components. Both plans should incorporate:

An operational plan for a number of disasters that could occur in your geographical area. The plans must cover occurrences as small as computer hardware errors and as large as massive natural disasters.
A succession strategy for you or your best management.
Instruction for substitute workers on crucial tasks.
Cross education of your personnel on the basics of different roles so they will be in a position to take over if want be.
A communication strategy focused on various crises, like techniques of communicating if networks are down.
Off-website meeting areas for staff and managers.
A concentrate on safety. Foster partnerships and communication with local and emergency response services: Fire, Police, National Guard, Search and Rescue. Ideally, all employees must at least know basic 1st help. If you have employees who are volunteer members of local Emergency Response Services, ask them to be responsible for teams.
Day-to-day plans to backup your Enterprise systems, along with training and testing of recovery of systems.
Coaching and testing of all employees to practice recovery actions in conditions as realistic as feasible.

It is critical that you conduct regular tests of your systems and processes, and make alterations as required. Be conscious that your company is always changing and so ought to your Company Continuity and Disaster Recover Plans. With a very carefully ready and practiced plan, your company ought to be prepared to face a variety of disasters with minimal downtime. If you would like to know far more about Company Continuity and Disaster Recovery please make contact with us at www.lgnetworksinc.com.

This is an example resource box. Where you can find more information about www.lgnetworksinc.com

Source: http://szczecin.ancients.pl/recovery-and-continuity-the-difference/

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Credit Analyst, Commercial Real Estate Lending Baltimore, MD

Baltimore ?(Baltimore, MD)

Permanent

Banking/Financial Services/Non-Profit

Added on 08/28/2012

About the company
Our client is a national innovator in capitalizing distressed communities and stimulating economic growth for low- and moderate-income families.

Job description
The Credit Analyst's primary responsibilities are to assist lenders by providing thorough analysis of borrowers' financial information; spread and analyze organizational and personal financial statements; study and evaluate the information; prepare appropriate analyses on real estate deals; and prepare written reports for the lenders. It is critical that, besides possessing excellent technical skills, the individual in this role understands the value of customer relationships, and, therefore, operates with professional respect for the customer as the Credit Analyst will have frequent direct contact with customers. In addition it is important for the individual to demonstrate great flexibility and openness to change as lending finds new and improved methods of operating, marketing, and selling our services. This position offers the opportunity to work across all lines of lending products.

??Performs research through available sources to complete credit analysis or to assist lending officers in credit decision process.
??Obtains all available and necessary financial data from client and other sources to ensure thorough analysis and obtains up to date financial statements when due on an account.
??Performs financial statement spreading and analysis on all assigned credits. This includes new loans and annual reviews for existing loans. Real estate analyses will include multi- year operating projections, development of cash flows, budgets, and analysis of local real estate markets.
??Analyzes and reviews market studies, appraisals, business plans, and any related and valuable real estate data - can draw sound conclusions based upon relevant data.
??Performs specialized reviews of collateral or loan exposures to customers as requested by lenders.
??Provides critical assessment of the financial position, management team, and program of potential borrowers and assembles questions pertaining to an organization's financial and programmatic capacity.
??Prepares credi

Who we are looking for
??Bachelor's Degree required.
??Finance and/or accounting study a plus.
??Advanced course work a plus and at least two years' relevant experience working in financial analysis, lending support, or similar bank function.
??Experience with Small Business lending a plus.
??Ability to prepare and analyze multi-year operating projections, real estate development budgets and cashflows
??Ability to read, analyze, and spread financial statements and tax returns for both businesses and individuals
??Possess sound credit skills necessary to evaluate loan requests and make sound recommendations to loan officers

What's on offer
Competitive base salary + 100% paid benefits

Michael Page Contact
For further info, apply or phone on +1 215-861-7050.
Your application will be sent to Adam Bell with the reference 1243410.
Reference : U5AE1243410

By submitting your resume you indicate your consent for Michael Page International to process your personal details in relation to potential job vacancies. Your details will be processed in accordance with the Privacy Policy . Michael Page International terms and conditions apply.

Source: https://www.michaelpage.com/job-advert/1243410-credit-analyst-commercial-real-estate-lending.html?src=RS&utm_medium=RSS&utm_campaign=MichaelPageTools&utm_source=MichaelPageWebsite

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Tuesday, August 28, 2012

Trivializing Spousal Abuse? ?We Were Just Having Fun? ? Nigerian ...

Posted on Tuesday, August 28th, 2012 at 12:22 AM

By BellaNaija.com

In June 2012, Kikelomo Oyeniyi, wife of Nigerian musician K-Solo (Solomon Oyeniyi) granted Nigerian weekly tabloid City People an exclusive interview. In the interview, she revealed intimate details about her relationship with her husband including how they met (on Facebook), how he reportedly scammed another woman online, how she paid for their wedding, how he stole from her and finally how he incessantly physically assaulted her in public (According to Kike, K-Solo beat her up at Shoprite after an?argument?over wine glasses) and at home (he reportedly threw a washing?machine?at her). The assault resulted in a miscarriage and according to Kike?s account, K-Solo prevented her from obtaining medical assistance. Click HERE to read the interview via LIB.

She also released photographs of her battered face and confirmed that the case had been reported to the Police authorities.

K-Solo responded by releasing a statement

Over the past three days, I have been inundated with phone calls, text messages and emails from fans, friends, family members and well wishers from all over Nigeria and abroad over allegations of wife battery, assault and thievery by my wife, Mrs. Kikelomo Oyeniyi, as contained in an interview she granted City People Magazine.
I make bold to say that as much as no union is without its own trials and tribulations, I have never laid hands on my wife and will never because have got sisters and a mother.

I am a hardworking young man that has been in the music industry for over a decade and do not need any woman?s wealth to live. This is our own trying time and we would surmount it one way or the other.

Mistakes have been made and they would be redressed, God willing. Let no man be the judge of another man?s deeds or misdeeds, let God and law take their courses. I hereby implore everybody to please appreciate and understand that this is a very difficult moment for me and my immediate family and would not wish to comment on this issue any further.

***
Fast forward a few months, now the couple seems to have reconciled and as illustrated by this Channels TV interview, they have reconciled and all is forgotten. In Kikelomo?s words, ?We Were Just Having Fun?

We are talking about this because spousal abuse/domestic violence is a big issue in Nigeria. We hope cases such as this do not undermine or trivialize the struggles that real victims face.

Tags: K-Solo

Related Posts

Source: http://www.bellanaija.com/2012/08/28/trivializing-spousal-abuse-we-were-just-having-fun-nigerian-musician-k-solo-his-wife-kikelomo-retract-wife-beating-allegations/

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Driving Pet Peeves National Survey

Majority of Ontario drivers speed over the limit and they are most annoyed by drivers who text/talk and tailgate, according to National survey.

InsuranceHotline.com surveyed Canadians on their top driving ?pet peeve? as well as their own bad habits behind the wheel.

TORONTO, August 28, 2012 ? With Canadians returning from vacation and children going back to school, roads will again become busier giving further rise to driving annoyances and unsafe practices. A survey conducted by Vision Critical Media for InsuranceHotline.com showed some interesting findings around these behaviours pointing to clear differences between gender, region, age, education level and socio-economic status.

?While we see many notable differences between the sorts of driving behaviors that bother other drivers, there are a few universal pet peeves regardless of driver profile, such as texting while driving,? said Tammy Ezer, Director of InsuranceHotline.com. ?What?s encouraging is that almost 90 per cent of drivers in Canada say they have not practiced this very dangerous behaviour within the past three months.?

According to the survey results, other dangerous driving practices such as speeding or entering an intersection on a yellow/red traffic light, are commonplace amongst Ontario drivers ? but these bad habits don?t seem to annoy drivers, as they?re not one of the top pet peeves. The top pet peeves were texting while driving and tailgating.

Other interesting observations include:

  • On average, according to self-reported data, Ontarians speed more than Canadians (64% versus 56%), and they are the least offended by other speeders;
  • Texting while driving is the #1 pet peeve in Ontario with almost 50% of respondents indicating that this is among their greatest annoyances while driving. Interestingly, 16% of Ontarians admitted to texting while driving;
  • Educated and higher income drivers are more annoyed with slow drivers over drivers who use their phones;
  • Young drivers (age 18-34) and males were more likely to have more bad driving habits ? they?re almost twice as likely to talk on their phone or text while driving and are least offended by other drivers doing these activities;
  • Women and young drivers are doing more self-grooming while driving;
  • 25% of women claim they have not done any of these bad driving behaviours in the past three months, as opposed to 14% of men who claim to be innocent of all dozen bad habits in the survey.

?Our survey shows that speeding is the most commonly admitted activity. Interestingly, though not at all surprising and supportive of car insurance rates for the most part, is that Ontarians, men, younger drivers and those with higher income are the most likely to speed,? commented Tammy Ezer.

About the survey

From July 30 to 31, 2012, Vision Critical Media conducted an online survey among 1,377 randomly selected Canadian adults who are Angus Reid Forum panelists. The margin of error?which measures sampling variability?is +/- 2.5%, 19 times out of 20. The results have been statistically weighted according to the most current education, age, gender and region Census data to ensure a sample representative of the entire adult population of Canada. Discrepancies in or between totals are due to rounding.

About Insurancehotline.com

InsuranceHotline.com is a free online insurance rate comparison service that directs consumers to a wide variety of insurance companies and professionals to assist consumers in getting lower rates on car insurance, as well as home insurance, motorcycle insurance and life insurance. InsuranceHotline.com is a partnership between Toronto Star Newspapers Limited and Metroland Media Group Ltd., which are both subsidiaries of Torstar Corporation.

Source: http://www.insurancehotline.com/driving-pet-peeves-national-survey/

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Bring Value To Your Home Based Business

You see the offers and you wonder about the home based business opportunities. are the promises real? Did these people really make so much money so quickly, and without having to do any work? can I make a living working from home?well, reality check time; yes you can make a living getting into a network marketing program and starting a home based business. the reality is that statistically you won?t. you see, over 95 percent of the people that join a MLM program fail at it. they either never make any money or they quit. the question you need to ask is why?the idea or concept of making a living working from your house is incredibly attractive, especially today. so many people are either unemployed or underemployed, working part time not making enough money to pay the monthly bills. so many other people are working in a job where they are miserable every day. Their hearts drop each morning when the alarm clock rings and they are reminded that they have yet another day working at a job they hate. Do you know that feeling?

So the idea of starting a home based business is very attractive and a fantasy of millions of people around the world. and joining a network marketing program is an easy way to enter the world of working from home. you can start part time and depending on your commitment and schedule put in as many hours per week as you want. and there is the promise of financial freedom.the idea that you could be living the internet lifestyle you see advertised, with a big house and a cool car, traveling the world on exotic vacations is so very enticing. Like the way our minds start working when the lotto jackpot goes over $100 million. We can imagine the life we could lead if our number came up.someone wins that lotto eventually, and there are people living the internet lifestyle from the money they earned in one or more of these MLM programs. so why can?t it be you? well it can be you. but as I said, statistically it probably won?t.but that reality shouldn?t stop you from pursuing your dream of running a successful ?home based business?. as I?ve said before in earlier blogs, success depends on dedication and belief, and I stand by that statement. I?ve also said that you must develop an entrepreneurial mindset in order to be successful in a home based business. this is also true.

Bring value in your home based business

Another principle that you must understand is that you need to provide value to your customers or prospects in order to achieve success in a home based business. and one way to provide value is to provide information that is of use to others. so it is imperative that you are educated about what you are offering in your business.if your home based business is offering accounting services, you obviously need to have knowledge about accounting. if you are an internet marketer, than you need to know about internet marketing. Your value to others may depend on their perception of you as an expert in your field. if you are promoting a network marketing opportunity, people are not only buying the system that you are promoting, they are buying the value that you offer to them as the provider.Success in network marketing depends on having a system that you can duplicate. when you join, you are depending on the expertise of the person you are buying from to provide you with a system that will bring you success as well. once you are in a MLM program, you are promoting a system that can be duplicated by others so that they believe that they can be successful in the program.In reality, your success in a network marketing home based business very much depends on the perception that you have value. that value depends on the knowledge you have acquired either before or while in the program. People buy people, not products. the best way to add value to yourself is to be perceived as an expert in your field. the best way to be perceived as an expert is to be educated in your field.if you want to be successful in internet marketing, you need to be an expert in internet marketing. you become an expert by studying everything that you can about the subject. you apply the things that you learn and you become better. you continue to learn and your value increases.People perceive your value; you develop a confidence in yourself. you have belief and dedication and you develop an entrepreneurial mindset. Now you have the tools necessary to be successful. Now you can be in the 5 percent who do succeed at a home based business.Are you going to be in the 5 percent who are successful in their home based business?

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Bring Value To Your Home Based Business

Source: http://mynetworkmarketingadventure.com/bring-value-to-your-home-based-business/

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Monday, August 27, 2012

3 Ways to Amplify Small-Business Marketing with Crowdsourcing ...

3 Ways to Amplify Small-Business Marketing with Crowdsourcing

Don?t have time or money to do all of the marketing you?d like? Why not get your customers, consultants, freelancers, experts, writers, and more to help you? That?s what crowdsourcing is, and it?s a great way to enhance small business marketing efforts. By tapping into the ?crowd? (particularly the massive online crowd), you can jumpstart your social media and content marketing efforts, extend your brand reach, and amplify your messages through word-of-mouth marketing.

Crowdsourcing initiatives for marketing can be grouped into three distinct categories, which are described below along with easy ways to get the crowd involved so your messages spread wider and your brand and business grow faster.

1. Crowdsourcing for content marketing

One of the easiest and most effective ways to leverage the reach of the crowd is through content marketing. Brands like The Huffington Post and American Express OPEN Forum grew exponentially thanks to crowdsourcing. Both tapped into the crowd of industry experts and invited them to write free content for the websites. In exchange, writers received free links back to their own sites and an opportunity to get in front of larger audiences than they could reach on their own.

You can do the same thing by inviting customers, authors, business partners, and anyone else who could benefit from free cross-promotion or simply would enjoy having a place to publish their opinions online to write content for your business blog. You?d be surprised how many online media organizations and large businesses use crowdsourcing for content publishing.

Keep in mind, content can come in many forms, including reviews, comments, images, video, and more. For example, Skechers launched a crowdsourcing marketing initiative that tied into its rewards programs. Members of the Skechers rewards program earn points not just from purchases but also from content they publish on the Skechers website such as product reviews and answers to questions from other customers. Crowdsourcing for content marketing can tie in seamlessly with small business loyalty programs, too.

2. Crowdsourcing for social media marketing

To leverage crowdsourcing for social media marketing, invite customers to pin content to your pinboards on Pinterest or share pictures and videos on your Facebook Page. For example, encourage people to share pictures of themselves using your products! If you prefer Twitter, set up a public Twitter account using a tool like GroupTweet, which enables 100,000 people to tweet to the same account, and invite people to publish tweets related to your business, products, industry, and so on to that account.

You can even turn the process of sharing content into a contest where the person who publishes the winning photo or video or publishes the most content gets a prize. Big brands do this very successfully all the time. For example, Heineken used fan-generated content as part of a campaign related to its 2012 Olympic Games sponsorship for a Facebook promotion. It?s easy, affordable, and very effective for small businesses, too!

3. Crowdsourcing for design

Need a new logo or another type of marketing design? Use a site like Crowdspring or 99 designs to get design submissions from a crowd of individuals with varying levels of expertise and an endless amount of creativity. Need a picture that you can use on your blog, website, or marketing materials legally but can?t find the right one without paying more than you can afford? Post your request on Koi.io (formerly FotoKoi) and let the crowd of photographers help you. You can even tap into the crowd for a new slogan using Slogan Slingers where founder Rich Davis explains, ?Most slogan projects cost between $50 and $900.?

Believe it or not, crowdsourcing for logo design and other marketing design projects is very common. From the local pizza business in Pennsylvania that used Slogan Slingers for a new slogan tailored to the shop to the U.S. Department of the Interior which used crowdsourcing for a new logo design via Crowdspring, the practice of turning marketing needs over to the crowd is becoming more and more popular.

Bottom-line, there are many ways to leverage the crowd to assist you with directly and indirectly promoting your business. Don?t be afraid to get creative and always encourage your audience to engage with you and join the conversation. Don?t ask them to promote your business. Instead, ask them to share brand stories and experiences. The power of the crowd comes from allowing them to take control of the conversation and the brand experience. Let them make your brand their own so they become loyal and vocal brand advocates that extend beyond a single crowdsourcing initiative.

Read the original post: here

The truth is when it?s diagrammed out for you in steps so easy a child could follow. There is really no need to worry about the intricate details of internet and affiliate marketing. You just need to find the right system to simply plug into.

Plugging into proven marketing systems, that by the way pay 100% commissions. Is as good as having a paved road and a map to get you there. Watch this video and see how you can start laying the foundation to a new road to success?click here

The simple solution to small business marketing

The simplest way to master small business marketing is to copy people that are already successful. Watch David Wood describe in detail how easy it is? Watch Now.

Source: http://www.empowernetwork.com/kjbiz/blog/3-ways-to-amplify-small-business-marketing-with-crowdsourcing/

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Self Improvement: Information On Transforming Into A Greater You ...

Operating at self improvement can be a way to develop being a individual and become the absolute finest you could be. This short article contains numerous very beneficial recommendations that may help you as you may traveling on the personal development quest and attempt to much better oneself.

Enhancing your personal-understanding can help you in your self improvement journey. Knowing what you will be performing and why will enable you to cease undertaking issues which may be harmful to you. It will also help anyone to deal with other individuals in your life much better, and make stronger connections. Improve your income at home using self improvement training systems.

To improve your health and nicely-becoming, it is wise to take care of on health care examine-ups and preventive tests. You can?t exist towards the fullest in the event you aren?t healthier. Most insurance coverage strategies deal with physicals and analysis exams, like mammograms and regimen bloodstream operate. These steps helps keep the mind comfortable and thwart any concerns that need to have coping with.

An excellent suggestion that will help you along with your personal development desired goals is always to write down your targets and your reasons for carrying out them. Having this information and facts published lower will help remind you of what you want when you begin to get rid of inspiration. It is actually a great type of ideas.

A lot of major tasks are unmanageable. They paralyze you with their dimension and scope to the point that you simply can?t even fathom how to begin. When you find a job similar to this, it?s crucial that you deconstruct the job into smaller, controllable versions which will lead you to the supreme goal. Training this capacity everyday, will provide you with an effective device to your personal development.

Avoid judgments and putting blame if you are trying to take care of any sort of turmoil. Even should it be apparent that anything is unquestionably someone?s problem, stay away from indicating that in the quality time. Always keep that opinion to yourself to steer clear of starting much more conditions that need to have solved in your daily life.

Finding out how to meditate will manage to benefit your own advancement. An excellent meditating program enables you to discover ways to crystal clear your thoughts from extra be concerned. As you may training deep breathing, you will start to see much more obviously those ideas in your daily life which are significant and individual them from your trivial.

Spend some time to cook a great dish. When you are loading you entire body with quick bites to consume in the junk food diner or convenience store, you happen to be certainly not receiving the nutrients that your system needs to carry out to the possible and that can leave you feeling stressed and angry.

For those who have equally a doctor plus a therapist, ensure that they may be on a single site. Your doctor and your specialist do not necessarily have to communicate with one another. You could nonetheless, desire to always keep a single abreast of what the other is performing with you. It could stay away from later on confusion and complication.

As was stated in the beginning on this report, self improvement is focused on improving your self and developing like a individual. Applying the advice from this short article will assist you to attain all of your current self improvement targets and enable you to feel happier about your self than you ever have well before you started.

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Source: http://www.heshoucha.com/52-self-improvement-information-on-transforming-into-a-greater-you

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Important Dental Tips for Children | ArticlePDQ.com

It is always very much important to take proper care of your children?s body. There are lots of people who keep their children healthy but they do not pay proper attention to their dental health and this is the reason why many children?s face numerous problems regarding their teeth. It is vital to have good oral health to maintain good general health. Caring for the teeth is a habit that should be come from infancy and you are the one who is solely responsible for your children?s dental health.

From the early stages teach them the importance and benefits of brushing to make it as a habit. Ask them to brush their teeth twice a day and also make him understand that he needs to brush for at least 2 minutes and pay attention to all the teeth. Flossing is as important as brushing. It is important to floss their teeth every day It helps to removes the plaque which builds up between teeth and at the gum line and prevents them from problems like cavity. It is always imperative to teach your kids to consume a well-balanced diet to maintain a better oral health since diet plays an important role in dental health. Try to minimize and avoid food items that contains sugars and carbohydrates in their diet.

You must control the amount of sugary drinks and foods that they intake. Give your children plenty health foods such as fresh fruits and vegetables and calcium-rich foods, such as low-fat milk, yogurt and cheese rather than ice creams, chocolates.Even after you take good care of your child?s dental hygiene, and still the child have some problems, they should be immediately taken to a dentist for consultation. You can also take some suggestion from your dentist, to avoid those problems in the future.

Though the above tips can help your children have good dental health, regular dental checkups are always important to keep your child?s dental health in good condition. Regular checkups will help your children?s to stay away from all the problems. They are also very useful when educating your children about oral hygiene and care. Work with your children and make the above simple yet effective things a habit for them to keep your children healthy and smiling.

To discover more about Dr. Emil Hawary please visit our website

Source: http://articlepdq.com/health-fitness/important-dental-tips-for-children/

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Sunday, August 26, 2012

Notre Dame suspends starting RB Cierre Wood

SOUTH BEND, Ind. (AP) ? Notre Dame suspended starting tailback Cierre Wood two games for violating team rules, leaving the Fighting Irish without their 1,000-yard rusher against Navy and Purdue.

Wood led the Irish in rushing last year with 1,102 yards and scored nine rushing touchdowns while averaging 5.1 yards per carry. Wood, a senior, played in all 13 games in 2011 with nine starts. Theo Riddick and George Atkinson III will likely be the Irish's top two ball carriers now that Wood is out.

Coach Brian Kelly also announced Sunday that junior defensive end Justin Utupo was suspended for the games against Navy in Dublin, Ireland on Sept. 1 and the home opener the following Saturday against Purdue.

"Our players are aware of the standards I set for our program and that failure to meet my expectations will result in consequences," Kelly said in a release. "Justin and Cierre violated our team rules so I've suspended them for the first two games of the season."

Utupo played in 12 games in 2011, primarily on special teams, and was a reserve defensive end on the most recent Notre Dame depth chart.

Earlier, Kelly suspended quarterback Tommy Rees and linebacker Carlo Calabrese for the season opener for their roles in a skirmish with police following an off-campus party in May.

The Irish have also lost starting cornerback Lo Wood for the season with a ruptured Achilles tendon. He underwent surgery on Wednesday.

Source: http://news.yahoo.com/notre-dame-suspends-starting-rb-cierre-wood-184501033--spt.html

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Snooki of ?Jersey Shore? delivers baby boy

Snooki is a proud new mama! The 24-year-old "Jersey Shore" star and fiance Jionni LaValle welcomed their first child together, son Lorenzo Dominic LaValle, early Sunday morning in Livingston, New Jersey.

Photos from Us: Snooki's wild pregnancy style

"I am so in love with my son Lorenzo Dominic!" the new mom tweeted Sunday. "I had my little man last night, healthy at 6lbs! He's my world!"?

She later added, "Being a mom is an amazing feeling! I love my little man to death! Jionni is such a cute dad."

Photos from Us: Mommy and me

And LaValle, whom Snooki met at Seaside Heights hotspot Karma in 2010, is a proud new father as well. He tweeted Sunday, "I'll never forget old high school memories or the vacations I've been on with my boys, I will also never forget 8/26/12 the day my son was born!"

Cast memberPaul "Pauly D" DelVecchio, 32, is also thrilled to be a new "uncle." He told Us Weekly on Sunday, "So happy for Snooks and Jionni. Can't wait to meet the newest addition to our Show family baby Lorenzo! Uncle Pauly is ready to teach the lil dude how to DJ!"?

Photos from Us: Hollywood's trendiest kids

Snooki's rep confirmed the news of Lorenzo's birth to Us on Sunday. "The world just got another Guido!" her rep shared with Us. "Lorenzo Dominic LaValle has entered the world weighing 6lbs, 5oz. Nicole, Jionni and Enzo are doing great!"

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Copyright 2012 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.

Source: http://today.msnbc.msn.com/id/48793847/ns/today-entertainment/

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Saturday, August 25, 2012

Wall St Week Ahead: S&P to rise after wild ride to Jackson Hole

NEW YORK (Reuters) - The streak is over, but is the trend intact?

A six-week string of gains in the S&P 500 ended on Friday amid shifting expectations for central bank stimulus. Next week could bring clarity on that issue, and that could determine whether the recent rally that took the index to four-year highs will persist.

"The streak is broken, but the trend isn't, and I think the next major move on the S&P will push us up towards 1,450 or 1,500," said Mark Arbeter, chief technical strategist for Standard & Poor's in New York. "Small- and mid-cap stocks are near their all-time highs, and if they break those highs, I think that will prompt the market to really rip higher."

Still, the market could be in for a bumpy ride next week ahead of Friday's meeting of central bankers in Jackson Hole, Wyoming. Investors are looking for clues on whether Federal Reserve Chairman Ben Bernanke will announce a third round of quantitative easing.

Bets on aggressive action to increase growth have spurred most of the market's recent gains, meaning any disappointment could stop the rally in its tracks. The CBOE Volatility index or VIX, a measure of investor anxiety, jumped almost 13 percent this week.

While many analysts expect QE3 - and Bernanke wrote a letter to a congressional panel that the Fed has room to deliver it - the odds seemed to decline following comments on Thursday from James Bullard, a non-voting member of the Federal Open Market Committee. He said the latest Fed minutes, which indicated the central bank might be ready for more stimulus, were "stale.

"Rhetoric is going back and forth about what we can expect, and we could see some big gyrations going into the meeting, depending on the latest rumor," said Michael Matousek, senior trader at U.S. Global Investors Inc. in San Antonio.

IS QE3 BAKED INTO THE CAKE?

In the recent six-week winning streak, the S&P's longest since January 2011, the index climbed 4.7 percent. That could indicate QE3 has already been priced into shares.

"I think we're priced so that we won't see a major move if something is announced," Matousek said. "But if the status quo persists, which is what I'm expecting, that could be a big disappointment."

Daily trading volume, which has been among the lowest of the year recently, is expected to remain muted ahead of the meeting. Low volume could amplify stock swings in both directions, and there is little other news to otherwise drive trading.

Following the Jackson Hole meeting, there will be a market holiday on September 3 for Labor Day. Trading is expected to pick up after that, with a major catalyst seen on September 6, when the European Central Bank has its next meeting.

The ECB recently pledged to "do whatever it takes" to address the euro zone's debt crisis, comments that contributed to recent positive sentiment.

Earnings season is winding down, with only five S&P 500 components scheduled to report next week, including Tiffany & Co , Joy Global Inc and H.J. Heinz .

With 98 percent of S&P 500 companies having reported results, 67 percent have topped expectations by an average surprise factor of 4.3 percent, according to Thomson Reuters data. The 67 percent beat rate is higher than the long-term average of 62 percent. However, there have been some notable disappointments lately, including Hewlett-Packard Co .

Economic indicators includes August reads on consumer confidence and sentiment, the latest read on Chicago PMI and July pending home sales. The Fed's Beige Book, a collection of anecdotal information on current economic conditions, will also be released.

"The market is torn between macroeconomic concerns on one hand, and relatively good earnings and business trends on the other," said John Carey, who helps oversee $260 billion as a portfolio manager at Pioneer Investment Management in Boston.

"I'm encouraged by the fundamentals out there, but unquestionably, the economy has slowed."

The S&P 500 fell 0.5 percent this week, a relatively mild decline after six weeks of gains. On Tuesday, it surged to its highest level since June 2008 before pulling back. The Dow Jones industrial average slid 0.9 percent for the week, while the Nasdaq slipped 0.2 percent.

"The market has been so strong lately that there's the idea Bernanke could pull back from QE3 as a result of that," said Randy Frederick, managing director of active trading at Charles Schwab in Austin, Texas. "But then, all that really means is that the market is able to stand on its own two feet."

(Wall St Week Ahead runs every Friday. Questions or comments on this column can be emailed to: ryan.vlastelica(at0thomsonreuters.com)

(Editing by Jan Paschal)

Source: http://news.yahoo.com/wall-st-week-ahead-p-rise-wild-ride-004152779--finance.html

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Most Most Dogs Is Not Going To Pick Up The Latest Demand With ...

Training 14 is a lot easier if the animal can be neutered and also spayed. Pretend to set off , yet continue to be out of doors home tuition till the too much barking commences. Persistence and kindness are usually important aspects in a very prominent innovator.

This can be prevalent behaviour around dogs while confronting this Alpha dog while in the load up. Instead, amply encouragement the pup when he goes into the cage on his own. As he tires out of perform he can of course gravitate to your cage due to the fact to take action will not separate your pet on your part. You needn't be surprised as long as they make a decision they want to slumber in the base as well as sit in the reclining chair. Some sort of puppy's ingesting is a sure way which he looks at the environment all over him. Watch your demeanor when you find yourself teaching your dog. Start compact including A few moments at any given time plus slowly but surely move up the occasions. When you've got got a new pet dog or perhaps dog , you need to work on education calender 2012 all of them instantly. Most dogs are seeking the human experts to get the pack boss.

Just add them towards you with the dog crate while using the tip keeping inside of. Be sure to use your ordinary words even though dog training. Usually do not ask, plead or shout.

Pet dogs desire a well fitted receiver collar and cause should they be to get a master. This should help you plus your puppy employ a life-long romance. Not only will the following control halt him or her out of performing a little something harmful such as having the highway, it may possibly tranquil them decrease inside of a bizarre put.

The easiest way to educate your puppy for being practical close to additional pets or persons would be to bring in these to numerous persons as well as other pet dogs typically as you possibly can, usually prior in their lives. The particular pup really should be devote that at night and in between times during scam report discussion together with his owner. As soon as teaching your dog, you have to increase engage in on the services.

House breaking a puppy generally is a lot quicker and more successful by using a pet crate. Work with good strengthening by using praise plus treats so that you can prize your puppy every time he or she listens. A stroll along with your doggy might be the two pleasurable and an opportunity to master.

Comparable to people, a dog becomes their particular fuel from the things they take in everyday. Occurs dog's label often. When your puppy is all of the sudden presenting unwelcome conducts, probably a little something has evolved that day: Has got he / she had time to go on a stroll or even possesses he / she recently been alone?

Source: http://goldenretrieverstreet.typepad.com/blog/2012/08/most-most-dogs-is-not-going-to-pick-up-the-latest-demand-with-only-one-or-two-attempts.html

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National association of mental health - HEALTH, BEAUTY & FITNESS

national association of mental healthOne spoonful from the concentrated mixture is equivalent to almost twenty- five spoonfuls of porridge, based on scientists. It? s also a heart- friendly snack because daily use of less than 100gm of national yogurt helps in of reducing Cholestrerol levels and growing the great High- density lipoprotein cholesterol. Research shows that meals wealthy in calcium inversely affect body body fat. When the guy has approached any STDs, Aids or any other sex- related illnesses there? s a reasonable possibility of association passing the disorder in the guy to his partner. Your deductible is what you should pay prior to the insurance starts to cover anything. In Florida, customers need to comprehend these changes to make certain they could create a learned decision health to purchase medical health insurance. All that you should do would be to know which may be the right things you can do to help keep healthy. Dosage: E Vitamin is dosed at 100 IU iowa per 10 pounds of bodyweight. These credits mental will raise the amount a company covers your insurance, thus lowering your area of the premium. A digital health record ( ehr) is really a procedure for maintaining the individual records digitally or perhaps in an electronic format. When they got sick these were left to heal by themselves. A pre- tax medical health insurance plan, also known as a ? cafeteria plan,? enables the worker to choose to pay his share national association of mental health from the benefit cost in pre- tax ( before tax) dollars. Including being identified with system diabetes . A Few Things I search for while evaluating comments are recommendation from those who have used the merchandise. You will find many methods for getting an insurance policy but searching on the internet is the greatest way. Throughout history individuals have used cleansing in an effort to get harmful toxins from their systems and promote their wellness for that long- term. Probably the most national association of mental health common remedies these experts are utilizing is spine adjustment, which could easily identify the aching area of the body. Find complementary and alternative health medicine details about common health problems, including natural treatments, holistic health care, healing meals, in addition to healthy solutions and practical methods for self- care and prevention. This damage continues inside a squence of events, and entire cells soon become broken and die. This low- body fat, low- calorie jobs vegetable is recognized among the best you are able to eat health to depend yourself against cancer. Furthermore, it? iowa health system jobs s safeguards the intestinal mucosa and barrier wall from damages or irritations. We? re improving healthcare facilities which is becoming possible because of good contribution of medical companies. You will find various reasons that allure expats all corners around the globe and something among them may be the positioning of Australia in the thirteenth position within the listing of world? s biggest financial systems. He eats packed meals like Fried potatoes, chips, cokes, pasta, and cold cuts. 7.

Related Post National association of mental health

Once Obamacare is overturned, the relaxation of the nation is going to be fine but we in Massachusetts women s health center grand rapids Health care reform health is easily the most apparent of individuals political minefields. They? re not going to provide any unwanted effects. How To If males be mindful regarding their mens health diet health they ought to refuse such items as canned meat, sausage, sausages, smoked seafood, drinks Additionally they mention a spouse that ? drives you crazy.? ( I? ll straighten this out in a moment.) ppo However Dr. Most types health Eating a well- balanced weight loss program is truly the easiest method to make sure that you have a healthy health informatics articles

Source: http://curryrecipe-jp.net/health-2/national-association-of-mental-health/

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Friday, August 24, 2012

Swinton Estate Planning & Elder Law Firm: Legal DIY Web Sites Are ...

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After road testing three leading Web sites that help you create your own will, power of attorney, and other important legal documents, Consumer Reports has concluded that none of the will-writing products is likely to entirely meet your needs unless those needs are extremely simple.

The independent non-profit testing agency evaluated three online services: LegalZoom, Nolo, and Rocket Lawyer. Using online worksheets or downloads, researchers created a will, a car bill of sale for a seller, a home lease for a small landlord, and a promissory note. They then asked three law professors -- including Gerry W. Beyer of Texas Tech University School of Law, who specializes in estates and trusts -- to review in a blind test the processes and resulting documents.

In his evaluation of the will-making programs, Prof. Beyer said that two of them could create good simple wills but he found deficiencies in all three, including features that could lead a user to add clauses that contradict other parts of the will.

Consumer Reports' verdict?? ??Using any of the three services is generally better than drafting the documents yourself without legal training or not having them at all. But unless your needs are simple?say, you want to leave your entire estate to your spouse?none of the will-writing products is likely to entirely meet your needs. And in some cases, the other documents aren?t specific enough or contain language that could lead to 'an unintended result,' in [a professor's] words,"

An article on the study, titled ?Legal DIY websites are no match for a pro,? appears in the September 2012 issue issue of Consumer Reports. ?To read it, click here.

Consumer Reports? findings accord with ElderLawAnswers? own evaluation of online estate planning programs.? For our White Paper on these programs,?click here.

Reprinted with the permission of ElderlawAnswers.

Source: http://swintonlaw.blogspot.com/2012/08/legal-diy-web-sites-are-no-match-for.html

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MobileSpaces Picks Up $3M From Accel To Let Workers Use Enterprise Apps On Their Own Phones

Screen Shot 2012-08-23 at 5.46.57 AMWith Apple's iPhone and other Android devices quickly permeating the workforces of the country's biggest companies, corporations are wrestling with how to let employees work from their own personal smartphones. MobileSpaces is attacking this problem with a fresh $3 million in funding from Accel Partners. It creates a workspace or container app that employees can download from a store like Google Play, where they can securely access all of their companies' data. "How can an enterprise allow work applications to co-exist on an Android or iOS device and be able to govern their company's information while respecting the employee's privacy?" said David Goldschlag, who used to be the vice president of mobile at security giant McAfee.

Source: http://feedproxy.google.com/~r/Techcrunch/~3/-D6SYEhYdIk/

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Isaac to hit Haiti overnight; Florida residents told to prepare now ...

By NBC News and wire reports

Updated at 5 p.m. ET: Tropical Storm Isaac built up strength Friday as it headed towards landfall in Haiti overnight, while a tropical storm watch was issued for the Florida Keys and other parts of southern Florida.

With sustained winds now at 65 mph, up from 50 mph Friday morning, Isaac could pass near Florida's Gulf Coast early Monday just as the Republican National Convention is scheduled to start in Tampa.?

Winds at tropical storm strength extend 185 miles out from Isaac's center, the U.S. National Hurricane Center said in an afternoon advisory, making it a very wide storm.

On exiting Haiti, Isaac's center should cross Cuba on Saturday, and then pass south of the Florida Keys before making landfall as a Category 1 hurricane overnight Tuesday somewhere between New Orleans and Tallahassee, NBC meteorologist Al Roker said Friday on TODAY. Warm waters in the Gulf of Mexico will be "energy for the storm" as it makes its way across the gulf, he added.


In related developments Friday:

  • The U.S. embassy in Haiti sent an e-mail to American citizens in the country warning that flights into and out of Port-au-Prince have been suspended due to Isaac.
  • Oil and gas producers in the Gulf of Mexico started preparing as Isaac's track looked to skirt the heart of the U.S. offshore energy producing zone. BP?said it would shut down its giant Thunder Horse platform, the world's largest. Royal Dutch Shell and Apache Corp. said they would evacuate some workers from their Gulf platforms with no production impacts. Other offshore drillers were likely to shut production in coming days as the storm approaches.
  • The U.S. military moved 22 F-16s from?Homestead Air Reserve Base in Florida to Fort Worth, Texas. Three F-15s from the base are on alert to move to Jacksonville if necessary.

Florida has not been hit by a major hurricane since 2005 and officials are concerned that residents there have become complacent.

"I think it's a challenge of getting people to understand their risk and make sure they?ve got a plan," said Craig Fugate, administrator of the Federal Emergency Management Agency.

With more than 19 million people living across the Sunshine State, Fugate wants every Florida resident to have enough supplies to last 72 hours and to know when to evacuate.

Click this image to get to our Atlantic storm tracker.

"I think the most dangerous thing is when people keep waiting to see what the next forecast is even if they?re in an evacuation zone. They say, 'Oh, it?s just a Category 1 storm or a minimum hurricane.' We?ve seen significant impacts from tropical storm force winds and rain," Fugate added.

In the Florida Keys, where there are few routes available for evacuation -- U.S. 1, Key West International Airport, and the Florida Keys Marathon Airport -- Mayor Craig Cates said his biggest concern was the storm's timing. Cates said he would need at least 36 hours to begin evacuations of tourists and residents.

"If it (Isaac) comes straight on to Key West, we?re worried about the damage that could happen in Key West. If it goes further up the Keys, it could damage power lines and we could get affected," Cates said. "Even if it hits further up the state, we have got to be prepared with our generators and our supplies. Being on an island, we understand that."

Tampa officials have not ruled out the possibility of postponing the GOP Convention if the storm poses a public safety risk. NBC's Kerry Sanders reports.

Forecasters with The Weather Channel think the evacuation decisions could come quickly. It is anticipated that watches will be issued for South Florida and the Keys by Friday night. In the event of an evacuation, Cates told The Weather Channel that tourists would leave first, followed by special needs citizens.?

Live updates and analysis from weather.com
Transcript of weather.com experts answering Isaac questions?

Florida Gov. Rick Scott said?state officials are working with convention organizers, who will ultimately make the call on a delay or cancellation of the event.

State officials?announced Thursday that they will wait to make decisions about moving supplies until after Isaac passes Cuba. FEMA has already placed food and generators in Jacksonville. ?

Isaac is forecast to remain a tropical storm after crossing the Dominican Republic and Haiti and then passing over Cuba into the Florida Straits.

The National Hurricane Center?warned it was "important not to focus on the exact track because of forecast uncertainties and the fact that Isaac has a large area of tropical storm force winds."

Follow Isaac's path with our storm tracker

Isaac was expected to dump between 8 and 12 inches of rain over parts of Haiti and the Dominican Republic, and up to 20 inches in a few areas. That poses a significant threat to Haiti, which is highly prone to flooding and mudslides because of its near-total deforestation.

Haiti, the poorest country in the Americas, still has about 350,000 people living in tents or makeshift shelters more than 2-1/2 years after a devastating earthquake that took more than a quarter of a million lives.

With nearly 400,000 people still living in evacuation tents, a hurricane or even a tropical storm could lead to deaths and more damage to the already fragile country. NBC's Mark Potter reports.

Red Cross workers toured crowded tent camps of Haitians left homeless by the 2010 quake to warn about Isaac.

Authorities in the Dominican Republic evacuated people living on the banks of rivers, streams and areas vulnerable to landslides in preparation for the approach of Isaac, whose effects were beginning to be felt with showers in the south of the country.

Weather.com and Reuters contributed to this report.

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Source: http://usnews.nbcnews.com/_news/2012/08/24/13450772-isaac-to-hit-haiti-overnight-florida-residents-told-to-prepare-now?chromedomain=worldnews

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