Tuesday, July 31, 2012

Evening Star Throws Down for 15th Birthday, 8/4 | DC Beer ...

Published: July 31, 2012Posted in: Beer Events, Beers, Featured

In my experience, 15th birthday parties are all about paper hats and Fudgie the Whale cakes, but it looks like Evening Star Cafe has something a bit more lively in store for its quincea?era.

On Saturday, August 4 from noon to 5, they?re throwing a massive Del Ray block party, where you can listen to live music while chomping on barbeque ribs, half smokes, and other BBQ classics from Executive Chef Jim Jeffords.

And then there?s the beer.? Local brews from the likes of DC Brau, Lost Rhino, and Bluejacket/Devils Backbone will grace the taps. You?ll also get to sip on Port City?s Derecho Common, the power outage-induced steam beer that debuted last week.

There is no admission and food and drink tickets will be sold separately.

Tags: beer launch, evening star cafe, Port City Brewing

Source: http://dcbeer.com/2012/07/31/port-city-derecho-common-launches-at-evening-stars-15th-birthday/

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Source: http://www.supportgroups.com/sgv/secured-personal-loans-can-arrange-desired-finance-for-yourself

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Student in Twitter threat ordered to avoid Kent St

William Koberna is seen in an undated booking photo provided by the Kent State University Police. Authorities say a Koberna, 19, a Kent State University student, is due in court to be arraigned Monday, July 30, 2012 after allegedly posting a message on Twitter saying he planned to "shoot up" the northeastern Ohio campus. Koberna was arrested at his parents' home in the Cleveland suburb of Brunswick Sunday afternoon. The sophomore has been charged with inducing panic, a felony, and aggravated menacing. (AP Photo/Kent State University Police )

William Koberna is seen in an undated booking photo provided by the Kent State University Police. Authorities say a Koberna, 19, a Kent State University student, is due in court to be arraigned Monday, July 30, 2012 after allegedly posting a message on Twitter saying he planned to "shoot up" the northeastern Ohio campus. Koberna was arrested at his parents' home in the Cleveland suburb of Brunswick Sunday afternoon. The sophomore has been charged with inducing panic, a felony, and aggravated menacing. (AP Photo/Kent State University Police )

COLUMBUS, Ohio (AP) ? A Kent State University student accused of posting a message on Twitter saying he would be "shooting up" the northeastern Ohio campus was instructed Monday to stay away from the school and its president.

William Koberna, a 19-year-old sophomore, was set to be released Monday after posting part of a $50,000 bond set at Portage County Municipal Court in Ravenna, about 20 miles east of Akron. He appeared via video from the Portage County Jail.

Conditions of his bond require Koberna to wear a GPS tracking device and to stay away from university President Lester Lefton and the school.

University officials say an employee was monitoring social media mentions of the school when a profanity laced tweet posted July 25 was discovered. The public tweet mentioned Kent State University, identified the university president by name and included a threat that he planned to be "shooting up" the school. The tweet ended with "ASAP." It is no longer available.

Koberna was arrested Sunday afternoon at his parents' home in the Cleveland suburb of Brunswick after university officials contacted police about the tweet. Officials say he was taken into custody without incident.

"Our primary concern is keeping the school safe," said university spokesman Eric Mansfield. "We took this tweet very, very seriously, which is why we contacted police so quickly."

Koberna has been charged with inducing panic, a felony, and aggravated menacing, a misdemeanor. A preliminary hearing is scheduled Friday at the Kent branch of Portage County Municipal Court. Court records do not list an attorney for the teen. Public records also do not list a phone number for him.

Mansfield said university officials are meeting Monday to discuss what disciplinary actions will be taken against Koberna. He could face possible suspension or expulsion.

"Any threat to our campus community is taken seriously and immediately investigated," said Lefton in a statement on the university's website posted to students and staff. "Our students, employees, and all those who come to campus should know that their safety is our top priority."

Mansfield said officials do not ignore any threat to the school, especially after a recent shooting at a movie theater in Aurora, Colo., left 12 dead and 58 injured during a midnight showing of the new Batman movie.

"In light of what took place in Aurora, Colo., and with Columbine and Virginia Tech and even Chardon, we can't take any chances," he said.

Chardon is a city in northeast Ohio where three students were killed and three others were injured February. A teen has pleaded not guilty to charges in the shooting rampage at Chardon High School, east of Cleveland.

"We're not playing games," Mansfield said. "When someone posts something like this, we're going to respond immediately to make sure our campus is safe."

Koberna, a computer science major, is studying at the school's College of Arts and Sciences. He was living off campus and wasn't taking any summer classes.

Kent State was the scene of deadly gunfire in May 1970, when Ohio National Guardsmen opened fire during an anti-war protest. Four students were killed and nine others were wounded.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/495d344a0d10421e9baa8ee77029cfbd/Article_2012-07-30-Kent%20State-Threat/id-a3c0ea9397cc49de9ee8c1711034a9c9

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Monday, July 30, 2012

Comparing Auto Insurance Quotes And Getting The Best Car ?


Oh the joys of the open road! by brizzle born and bredYou don?t need to pay a lot to get the best car auto insurance out there. Shopping smart guarantees that not only do you get the best out of your way, but only actually what you need. Some insurance deals overwhelm the buyer by offering all sorts of plans that don?t really make sense to his or her situation. Novice car owners often fall into this trap and end up buying a package that contains services they never get to use.
Source: typepad.com

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Video: HOW TO FIND CHEAP CAR INSURANCE (AUTO INSURANCE)

With These Great Florida Car Insurance Tips, Anyone Can Save

A great way for one to cut costs in your Florida auto insurance is to discover an all-in-one insurance carrier. This is really because every time you file a claim there is a chance that your rates goes up. You should make sure your current policy matches your situation because whether it does not, you could possibly be paying more when you are doing not need to. If you only drive several miles each day to obtain to work, or if you are taking public transportation, you will likely qualify to get a low mileage discount on your policy. If there are not any companies that specialize in high-risk drivers covers you, research insurance coverage through the high-risk insurance pool made available from your state.
Source: elsa22.com

Compare Your Car Insurance Before Deciding

However, making a car insurance comparison study of offers from different companies doesn?t guarantee the best coverage at the lowest price. You need to act smart for buying a policy that best suits you. You may succeed in getting a cheaper one, but what?s the guarantee that the company will offer reliable services. So, it?s your job to look for a reliable supplier from that crowd of companies. Ultimately, you save money only if you succeed there. You may get robbed by entering into a deal with a deceitful insurer. This could prove to be starting point of your financial disaster, if unfortunately you happen to have an accident!
Source: apssci.org

What To Ask Your Car Insurance Agent

When speaking with a car insurance agent, people need to ask them about the parts that will be used to fix their vehicles. If the car needs to be repaired, some car insurance companies choose to use generic parts or aftermarket parts because they are cheaper. What people will want to clarify is that their car insurance companies will use original equipment manufacturer (OEM) parts that are parts made specifically for their own cars. Some companies do allow for the use of OEM parts but others categorically refuse. Ask the agent to find out if OEM parts are a possibility or not.
Source: modestmoney.com

Wherever to Get Cheap Auto Insurance Quotes

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Source: zxyzxy.net

When You Need To Find Auto Insurance

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Source: cheapcarinsuranceforyoungdrivers2u.com

Proven Tips For Buying Insurance For Your Vehicle

Keep your driving record clean. A car accident can bump up your rates faster than anything else. Take into account any limitations you have that can adversely affect your ability to drive safely, such as the need to wear corrective lenses. In addition, try to steer clear of risky situations that can result in an accident. Keep off the roads in the evening, if your night vision is poor.
Source: cheapcarinsuranceplanet.com

Help With Finding Affordable, Quality Auto Insurance

Every year when your automotive insurance is up for renewal, shop around to check that the premium being paid is still market competitive. There are an abundance of internet facilities available where you can enter the vehicle details online and immediately receive insurance quotes from various companies. This will confirm or deny that your current premium is realistic.
Source: soask.me

Insurance Tips When Selling Your Car

One of the areas that is affected is the buying and selling of cars. The tightening of finances has resulted in the number of used car deals rising significantly. If you are planning to sell your car because you are buying a new one or for any other reason, then there are crucial insurance related tips that you need to consider.
Source: co.za

Get a Cheap Auto Insurance Quote

The raise level of traffic jam and possibility to experience accidents or stolen become bigger, so that important if you have a car insurance as a protection. There are several things to consider when you decide to purchase insurance. Get a cheap auto insurance quote based on your region so that you can choose the best one that fit to your need and budget. This provider focuses on auto insurance and offers the best rates. Insurance has many benefits to minimize the losses resulting from small accidents or total damage. You can get auto insurance discounts such as discount for Safety Devices, discount for Drivers with driving record, discount for Low Mileage records, etc. Even if you choose to paying premiums in full or purchasing more than one policy, you can get more discounts.
Source: flexfuelmyride.com

Have On the net Insurance quotes To get Vehicle insurance

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Source: blogspot.com

?WAL? Popular Niche News: How to buy car insurance online (VIDEO)

Insurance premiums are rising by an average of 44p per day so it?s advisable to buy your new policy straight away. However, if you decide not to, we?ll save your quotes, which is why when you give us your email address we also ask you to set up a password. This enables you to log into your moneysupermarket account and retrieve your quotes ? all the information you give to us is totally safe and kept in a secure environment.
Source: world-and-local-news.com

Laughing Your Way To The Bank With These Auto Insurance Methods

A great tip for getting affordable auto insurance is to see if you are eligible for any group or organization discounts if you are a member of any groups or certain organizations. If you are, you could potentially save a lot of money on your auto insurance. However, you need to know if you have to purchase through them in order to receive this discount.
Source: backlinkarticles.com

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  5. Comparing Auto Insurance Quotes from Online Sources

Tags: car insurance comparison, florida auto insurance, high risk insurance

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Source: http://getcarinsuranceco.com/comparing-auto-insurance-quotes-and-getting-the-best-car/

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Easy Ways to Weight Loss | Weight Loss Treatment.

?

Anyone who needs to go on a diet to lose weight wants to do it fast. People always ask the question, How To Lose Weight fast? It is possible to lose weight fast, depending on your age and general health, but is it really the best solution? Very low calorie (VLC) diets can help you lose weight as quickly as is possible for your body type, but they are usually unhealthy and can cause damage if they are followed for more than three to seven days.

If you are planning to go on a VLC diet, consult your doctor first and make sure you do not have any reason not to do it. If it is all right, you need to follow some simple advice for this type of diet, so you do not make yourself worse than simply overweight. Crash diets can cause gallstones. There is medicine to prevent this, which is one reason to talk to your doctor first. Also, VLC diets are usually focused on one low calorie food so you do not get a balanced nutrition. This is How To Lose Weight fast, but you need to be ready to slow down and start eating again.

The way you will lose weight is to burn more calories that you eat. Usually, this means you need to do more exercise than you normally do. If you are on a VLC diet, it is not advisable to exert yourself. It will be too stressful on your muscles because they are not getting any nutrition to burn, and it will exhaust you. Save your exercise for when you start a more balanced diet, after you have finished the starvation regimen. Now that you know How To Lose Weight fast, you can be sensible how you do it.

One suggestion that will help you understand how to lose weight fast is to drink water. You may get a craving for ice cream or a cheeseburger and you are trying to convince yourself not to give in. If you drink a glass of plain water it will fill you up for a few minutes and help you get past your cravings. By the time the full feeling is gone you will have gotten control of your desire and have will power to continue. You could also suck ice chips to give your mouth something to chew on.

When you ask the question, how to lose weight fast, remember, you need to do this alone or with someone losing weight as well. It will help you to change your eating habits temporarily. After all, this VLC diet will only be for a few days, so plan those days as quiet ones, not during the Christmas party season or Thanksgiving with your family. Once the diet is finished and you have lost some weight, regard it as a head start to a longer race. Now is the time you need to try to lose weight with a carefully balanced diet, albeit low calorie, and some exercise.

Find More How To Lose Weight Fast Diet And exercise Plan Articles


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Source: http://howcanyouloseweighttoday.com/2012/07/29/how-to-lose-weight-fast-easy-ways-to-weight-loss-weight-loss-treatment/

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Sunday, July 29, 2012

Yahoo! Sports Marc J. Spears reports: Free Agent Josh Howard courted by five teams. The Jazz are one of them. Barf.

I just don't know what to say . . . there is so much cognitive dissonance being exhibited by our brain trust when it comes to some sacred cows on our team.

It makes me want to punch baby animals. Did we not go on an amazing win streak when we replaced his butt with a benchwarmer in the starting lineup? Was I the only one who saw that? He was so bad and selfish on the court that he was actually making us lose games? On offense, Josh Howard's win shares were -0.2. Only Blake Ahearn was worse, and he played 30 minutes all season. Josh played 991 minutes (aka: more than Alec Burks).

Did Kevin O'Connor just draft Kevin Murphy because he lost a bar bet? Doesn't he also play SG/SF but actually not suck? What about USA Select roster team member Gordon Hayward? He's good enough for the nation, but not enough for us at the three? Marvin Williams? Remember this guy? We traded a starter away for him. I'd rather play Paul Millsap's grandmother at the three (in my mind she's also 6'8 and 250 pounds) than Josh Howard.

I cannot be more clear about this.

Source: http://www.slcdunk.com/2012/7/29/3200821/yahoo-sports-marc-j-spears-reports-free-agent-josh-howard-courted-by

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Visual Graphic Arts: Ellen Smith PDK 829M

Some of the best known Independents were staunch AEC operators whilst others favoured Leyland. This 1974 Ellen Smith Duple Dominant bodied Leopard PDK829M was drying off at the firms premises at Wardleworth as the sun came out between the showers in 1980.

Source: http://14karatblonde.blogspot.com/2012/07/ellen-smith-pdk-829m.html

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Car Insurance Rates Can You Lower Them? | ApostolicCM.com ...

Auto insurance rates are prohibitive these days. Many families genuinely struggle to spend the vehicle insurance bill each month. And vehicle insurance rates vary all the time. So if car insurance coverage cost is an concern for you, what can you do about it?

The auto insurance coverage industry is a massive business. It is also a highly competitive one particular, and auto insurance coverage rates vary over time as car insurance coverage companies compete for business. Vehicle insurance coverage rates are often extremely fluid.

It is entirely attainable to lower the cost of your auto insurance coverage rates by altering your behaviour, and you can do this by getting a much better understanding of how the rates are assessed.

Auto insurance rates are based on an assessment of threat. Whilst insurance coverage companies vary their rates to compete with other insurance organizations, they also vary their rates based on their assessment of the threat posed by a specific driver driving a distinct automobile. They do this since there is no point in acquiring business with low vehicle insurance coverage rates and then insuring high danger drivers at these rates. This is a recipe for losing funds.

So, if you lower your risk, you lower your car insurance coverage. How do you

lower your threat? Well theres a quantity of techniques that your personal driving and auto behaviour can impact your automobile insurance coverage rates.

Have an appear at the automobile you drive. Is it suitable for your current requirements? If not then would it be worthwhile to take into account a change?

Different vehicles attract distinct auto insurance coverage rates. Sports vehicles, high powered automobiles and cars at greater threat of theft attract higher rates. How lengthy have you had your auto and would it be wise to believe about an additional a single that would be more affordable to insure and much more beneficial to you?

Are you a safe driver? Do you stick to the speed limit? Are you at risk of other driving offences? Several men and women do not think about some of the consequences of speeding tickets and driving offences till immediately after they have noticed their subsequent car insurance bill.

Your threat profile is a direct result of your driving record. A clean driving record and you will be rewarded by less expensive rates. A poor driving record and you will be penalised, typically for fairly an even though.

Are you prepared to attend driver instruction courses? Several auto insurance coverage firms offer particular discounts for drivers who have attended a course. Why? Lower threat.

Are you prepared to drive much less? Could you car pool or use public transport to get to perform? Vehicle insurance coverage companies appear at the quantity of driving their clients do when assessing their vehicle insurance rates. Why? Lower threat. Much less miles driven equals much less danger. And youll save on other automobile expenses also.

So if auto insurance coverage fees are an problem for you and your family members there are factors you can do. These are just a couple of of those items, there are numerous far more. Automobile insurance rates are not set in stone.

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Source: http://answers.apostoliccm.com/2012/07/car-insurance-rates-can-you-lower-them/

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Saturday, July 28, 2012

BMW and Porsche , the network chubby favorite German dual horse

Cute chubby network , today came SOHU to participate in activities by curiosity , I ran to understand his current situation , from the conversation ,hermes sac, I found the chubby and we ordinary people , cheerful,sac hermes, very simple when the chair people have asked for and what car he likes ,hermes, he said that like BMW and Porsche , the two brands are manipulated with the BMW is the favorite of the young talent ,Louboutin, but also the content and a symbol of taste , Porsche is a German-style speed and passion synonymous ,sacs hermes, it is always the myth of the hearts of passionate fans , it seems cute chubby or know how to pick the car .
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Source: http://yenikelma.com/soru-cevap/?p=10426

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Eat, Plate, Love! 10 Must-Haves to Make Kids? Meals a Breeze

Lucky for you, we've rounded up high chairs little ones will actually sit in, sippy cups that give tots a better grip, gadgets that whip up kids' favorite dishes in a flash, and more (maybe you'll even have time to grab a bite, too!).

Source: http://feeds.celebritybabies.com/~r/celebrity-babies/~3/H7h1D71V8Hk/

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Home Based Businesses Are Offering Great Opportunities For Making

Most of the people want to earn money through internet or other modes. In such a way they did not go anywhere for the job. Now a days you can observe that most of the students doing home based jobs and businesses. Due to the high technology earning through internet is possible, now you can work for any firm virtually. However most of the students studied to do jobs at their homes and most of them are earning much from their home based businesses. You can create any social website and can earn through it.

There are many online stores that are running and earning lots of money so you can open an online store. Besides the students, women are also interested in doing home based businesses as they are alone at home and they just have to do house hold work. However the women can manage their time beside the household work, as there are many article writing and magazines writing jobs. Online jobs and businesses are much more popular all over the world as you can work for the company which is not present in your country.

There are many benefits of doing home based business as it allows you to take rest at your home and you can work whenever you want. However it also saves your time and the expenses of conveyance. For women it is much good because if they want to job in any firm then they have to keep their children at any day care center, but due to online businesses that problem is solved. There is also an amazing benefit of tax relaxation as in the home based business job you did not have to bear heavy taxes. The taxation system depend upon the state to state and if you are working for any firm which is outside the country then you did not have to pay tax.

Now you must be thinking that from where you can get an online jobs or the information to start an online business. I must tell you that there are many websites which are offering information and jobs for such purpose. However you can also figured out the virtual jobs through search engine. The online jobs are also beneficial for those people who are retired from their jobs and have no work to do. The easy job for the virtual employ is the data entry job.

About the Author

Muhammad Waqas has been blogging for more than 2 years. Come visit my latest website over at Entrepreneurial Ideas which helps people find the best Good Business Ideas and information they are looking for.

Source: http://www.ablekain.com/archives/380

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Friday, July 27, 2012

Tips For Online Business And Internet Marketing

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Do you have a great idea? When your bulb starts blinking, make sure that you?re ready to get your business efforts up and running. Use the Internet marketing advice provided below so you?re able to figure out how to proceed.

On great way to encourage sales is to offer a special incentive at the start. That could be free shipping for the first hundred people who place an order or free gift wrapping for customers who order before a certain time. Make sure that you highlight the end date of the offer to create a feeling of urgency.

TIP! If you really want to develop a niche of satisfied customers, you should try offering prizes and rewards to people who are loyal to you. Building customer loyalty and interest is helped by showing customers that you appreciate them.

Consider marketing your website as a forum or social gathering spot instead of just another business website. Your site will see lots of returning traffic when people come back to converse with other site visitors and customers. This is an excellent way to keep people thinking about your website. Give people graphics they can use on their websites to advertise their memberships; it?s free advertising.

Ensure your website has relevant information your customers desire. Just providing a one page website that gives your hours and address is not going to attract customers. Review, articles and relevant content will show your customers how knowledgeable you are.

Load your site with information that is full and new. You will attract search engines better by packing your site with loads of rich content. You not only have better results with the search sites, but your audience will be more satisfied with what they find when they visit your site.

TIP! Use banners on your site that are not just typical banners. Give them the impression that they are links to more content.

To improve site traffic and thus increase sales utilize SEO content and offer unique, original content. Unique content will set you apart from your competitors. When you are writing your own descriptions, focused on search engine optimization, you can outpace your competitors.

Offer proof that any claims you make about a product you are selling are true. If you are not truthful in your content, your customers will detect some fishy business; back up your claims. This is an excellent example of why selling products you have, in fact, used is always a good idea.

For any business website that sells products in any volume at all, third-party transaction security is vital. There are many third-party companies available including VeriSign and McAffee. Companies such as McAffee and VeriSign can protect the financial transactions on your site. Although they can add to your marketing budget, they are well worth the cost in the long run.

TIP! Back up your claims. People are justifiably skeptical of what they read on the Internet.

There is no single formula that will make your Internet marketing strategy successful. You?ll need to be both creative and professional. Be analytical of relevant data while expressing your creative side through the aesthetics and theme of your site.

If you regularly email possible customers and regular customers, try rotating links in the emails. If you information is redundant you will likely bore your customers instead of encouraging them to purchase products. Even something a little bit different in your emails will make your recipient want to read it.

One unique approach to internet marketing is through image searches. Your website?s content will benefit from the addition of relevant images, because searches will lead to both your text and photos. People searching for photos may end up staying on your site and looking through all that is there. You will build familiarity with the brand you are selling, and raising the chance that these people will come back often.

TIP! Be sure your Internet marketing plan has a guarantee to return money invested if a person is not satisfied. Your customers will feel safer and you will be more reputable.

Placing yourself in a good position with marketing will help maximize your profits. Plan your marketing strategy carefully using the ideas presented here, and make sure you adopt an approach that is well-adapted to your audience. When you play close attention and try hard, you?ll have more customers quickly

Bob Spiro

GBG 4 Wealth Team Founder network marketing ideas

Phone-508 488 9404

http://ForMLMPros.com

http://EmpowerNetwork.com

Chat: Skype: gojikingbob

Contact Me: Youtube Faebook Twitter

Whitinsville, MA 01588

Source: http://formlmpros.com/blog/tips-for-online-business-and-internet-marketing/

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5 Ways to Play the Housing Recovery | iShares Blog

Looking at the iShares app on my iPad this weekend, I was surprised to discover that the iShares Dow Jones US Home Construction ETF (ITB) has been a top performing fund year-to-date.? While past performance is certainly not indicative of future returns, I thought it might be a good time to take the temperature of the US housing recovery and review options for accessing real estate as an investment.

First, is a housing recovery imminent?? The short answer is maybe.? A recent BlackRock Investment Institute paper asserts that finally, after national housing prices slid 36% from their peak, we?re at or near the bottom. ?In addition, with the Fed injecting liquidity into the bond market, mortgage rates have fallen to all-time lows.? These lower borrowing rates have caused a 30% increase in existing home sales and housing starts since their trough in the summer of 2010.? While credit availability is restricted and remains accessible primarily for high quality borrowers, the mortgage affordability index indicates it?s actually a good time to buy a house.? Commercial real estate prices in major markets are also up 41% since the trough, according to the Moody?s/RCA Commercial Property Price indices.

Investors looking to play this space using ETFs have several unique choices, each with a varying level of risk (see chart below). Different stocks, bonds and REITs allow investors to tailor their exposure to certain types of real estate investments.? ?Starting with the less risky end of the spectrum, let?s review some of the options.

  • Agency mortgage backed securities (MBS) ? These are bonds that get their cash flow from loans on homes.? Most funds that offer access to MBS hold mortgage pass-through securities, which simply means that payments made by individual homeowners are passed to the holder of the mortgage-backed security.? Adding an additional level of safety, the timely payment of principal and interest for MBS is guaranteed by US government agencies such as Fannie Mae, Freddie Mac and Ginnie Mae.? The underlying homeowners have the right to prepay their mortgages early resulting in prepayment risk and less certainty around the timing of cash flows relative to other bonds.

Potential iShares solutions:
iShares Barclays MBS Bond ETF (
MBB)
iShares Barclays GNMA Bond ETF (
GNMA)

  • Commercial Mortgage Backed Securities (CMBS) ? The underlying cash flow from CMBS comes from loans on office buildings, apartments, retail stores and industrial properties. Unlike residential MBS, these contain more credit risk since there is not a government guarantee.? Note that all of the bonds in the iShares Barclays CMBS ETF (CMBS) must be investment grade in order to be eligible for the underlying index.

Potential iShares solution:
iShares Barclays CMBS Bond Fund (
CMBS)

  • Mortgage REITs ? These real estate investment trusts lend money directly to real estate owners or buy mortgage backed securities.? Often mortgage REITs are using leverage to increase the income derived from their loans or portfolio of securities. To maintain their status as a REIT, they must pass along 90% of annual income to shareholders.? Yields on mortgage REITs are currently just under 12%.

Potential iShares solution:
iShares FTSE NAREIT Mortgage Plus Capped Fund (
REM)

  • Equity REITs ? Equity REITs own and operate income-producing properties and also pass along 90% of annual income to shareholders.? They can be sub-divided into different property types: Residential (REITs that are invested in apartments, manufactured homes, healthcare facilities and storage facilities), Industrial (REITs that are invested in industrial properties, office buildings and mixed use facilities), Retail (REITs that are invested in shopping centers, regional malls and free standing stores) , and Hybrids (a mix of equity and mortgage REITs).

Potential iShares solutions:
iShares FTSE NAREIT Residential Plus Capped ?Fund (
REZ)
iShares FTSE NAREIT Industrial/Office Capped Fund (
FNIO)
iShares FTSE NAREIT Retail Capped Fund (
RTL)
iShares Cohen & Steers Realty Majors (
ICF)
iShares Dow Jones U.S. Real Estate (
IYR)
iShares FTSE NAREIT Real Estate 50 Fund (
FTY)

  • Equity of home construction companies ? This sector contains the common stock of companies that develop residential and commercial real estate, such as DR Horton and Toll Brothers.? It also includes home improvement suppliers such as Home Depot and Lowe?s, and home furnishing companies.

Potential iShares solution:
iShares Dow Jones U.S. Home Construction Index Fund (ITB)

?

Source: Bloomberg

Karen Schenone, CFA, is a fixed income strategist within BlackRock?s Portfolio Solutions group with a focus on the iShares suite of exchange-traded funds. She works directly with the iShares sales force to serve clients and assists in the product development process for new fixed income ETFs.

Prior to joining BlackRock, she was an investment research analyst at Laird Norton Tyee, providing investment solutions for high net worth clients through asset allocation and security selection decisions. Mrs. Schenone began her career as a portfolio analyst and trader in the treasury department of Washington Mutual Bank.

Ms. Schenone earned a Bachelors of Business Administration in finance from The University of Texas at Austin and is a CFA Charterholder.


In addition to the normal risks associated with investing, narrowly focused investments typically exhibit higher volatility.
The home construction industry may be significantly affected by general factors affecting the real estate market such as zoning, interest rates, taxation and real estate values. Industry segments may be affected by natural disasters and environmental clean-up costs.
Bonds and bond funds generally decrease in value as interest rates rise.
Mortgage-backed securities (?MBS?) represent interests in ?pools? of mortgages and are subject to credit, prepayment and extension risk, and therefore react differently to changes in interest rates than other bonds. Small movements in interest rates may quickly and significantly reduce the value of certain MBS.
Commercial mortgage-backed securities (?CMBS?) represent interests in ?pools? of commercial mortgages and are subject to credit, prepayment and extension risk, and therefore react differently to changes in interest rates than other bonds. Small movements in interest rates may quickly and significantly reduce the value of CMBS.
Real estate investment trusts (?REITs?) are subject to changes in economic conditions, credit risk and interest rate fluctuations.

Source: http://isharesblog.com/blog/2012/07/27/5-ways-to-play-the-housing-recovery/

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You?ve Got (New) Mail! AOL Finally Rolls Out Its New-Look Web Mail To Its 24M Users

AOLMail_inbox_NEWDuring AOL's Q2 earnings conference call yesterday, CEO Tim Armstrong emphasized several times how the company was moving to a more technology-focused approach in its lines of business. His emphasis was on advertising, but the change in climate is happening in other places, too, it seems: today the company is rolling out an update to AOL Mail, the first overhaul the webmail service has had in five years. The new version will see a new user interface, better integration with other services like messaging -- and a new format for ads on the site. David Temkin, the SVP of mobile and mail at AOL, tells me the rollout has been a long time in coming, and that since December selected groups of users have actually already been getting the new interface. From today, however, it will go out to all 24 million people using AOL Mail -- with no option to switch back if you happened to prefer the older version.

Source: http://feedproxy.google.com/~r/Techcrunch/~3/S9S3PLaC8j0/

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Thursday, July 26, 2012

The right place for technology in language learning | Word of the day.

Sorry, Readability was unable to parse this page for content.

Source: http://blog.ultralingua.com/2012/07/the-right-place-for-technology-in.html

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How to Use Feng Shui without Making Your Space Look Like a ...

feng shui, home decor, de-clutter

I?m sure you?ve seen it.

You show up at your friend?s house one day and notice she?s been toying with feng shui.

You can?t help but notice.

There are wind chimes hanging in corners where the wind will never blow.

There are certain stones in specific numbers laid out in obscure places.

These, you?re told, are her lucky number combinations.

And, you might even notice little Chinese deities ?guarding? certain zones of her home.

While any effort to increase the serenity of one?s home should be applauded, some people miss the point when it comes to feng shui.

Feng shui should never be obvious.

In fact, you should see no evidence of it.

Feng shui is subtle.

It works with the specific energies of the location and the occupants in a space.

It?s how a space feels, not how it?s adorned.

It?s kind of like meeting someone for the first time.

No matter how many sparkles they?re wearing ? name brand clothing, jewels, perfume ? you can still feel their true essence.

If they?re not great people to begin with, the number of sparkles they have on won?t matter.

They still are who they are.

That?s how spaces are too.

The only way to improve the feng shui of your home is through clarity.

That means the work is as much on yourself as it is on the space you want to enhance.

Anything else is a quick fix that just won?t last.

Let me explain it this way.

When you are really clear about what it is you want to manifest in your life, the way you enhance your home becomes a natural reflection of that.

For example, if you want more abundance in your life, you won?t need to ?borrow? things that represent abundance in another culture (like placing 4 rocks in your wealth corner).

It?s much more effective, and more meaningful to you, if you place things around you that reflect your own true source of abundance.

That might be photos of you during high points of your life.

Or objects that remind you of your goals, or whatever you are trying to achieve.

I have a friend who wants to lose weight and improve her eating habits.

She placed bowls of fruit around her kitchen. She replaced the ?It?s Time for Chocolate Bliss? painting hanging in her kitchen, with photos of fresh vegetables.

These reminders of what she is trying to achieve with her health are much more effective than hanging wind chimes over her stove.

I just cringe when I see red lanterns hanging from someone?s front porch, unless of course, that person is actually from a culture that uses red lanterns at the entrance of a home.

The point is to be real.

Be true to yourself.

Take the time to discover what is meaningful to you.

The way to do that is by gaining clarity about what you really want in life.

When you have clarity about yourself, the feng shui of your spaces will reflect that.

Have you ever tried some feng shui quick fixes? Let me know in the comments below.

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Source: http://sipandom.com/how-to-use-feng-shui-without-making-your-space-look-like-a-chinese-restaurant/

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Newfound gene may help bacteria survive in extreme environments: Resulting microbial lipids may also signify oxygen dips in Earth's history

ScienceDaily (July 25, 2012) ? In the days following the 2010 Deepwater Horizon oil spill, methane-eating bacteria bloomed in the Gulf of Mexico, feasting on the methane that gushed, along with oil, from the damaged well. The sudden influx of microbes was a scientific curiosity: Prior to the oil spill, scientists had observed relatively few signs of methane-eating microbes in the area.

Now researchers at MIT have discovered a bacterial gene that may explain this sudden influx of methane-eating bacteria. This gene enables bacteria to survive in extreme, oxygen-depleted environments, lying dormant until food -- such as methane from an oil spill, and the oxygen needed to metabolize it -- become available. The gene codes for a protein, named HpnR, that is responsible for producing bacterial lipids known as 3-methylhopanoids. The researchers say producing these lipids may better prepare nutrient-starved microbes to make a sudden appearance in nature when conditions are favorable, such as after the Deepwater Horizon accident.

The lipid produced by the HpnR protein may also be used as a biomarker, or a signature in rock layers, to identify dramatic changes in oxygen levels over the course of geologic history.

"The thing that interests us is that this could be a window into the geologic past," says MIT postdoc Paula Welander, who led the research. "In the geologic record, many millions of years ago, we see a number of mass extinction events where there is also evidence of oxygen depletion in the ocean. It's at these key events, and immediately afterward, where we also see increases in all these biomarkers as well as indicators of climate disturbance. It seems to be part of a syndrome of warming, ocean deoxygenation and biotic extinction. The ultimate causes are unknown."

Welander and Roger Summons, a professor of Earth, atmospheric and planetary sciences, have published their results this week in the Proceedings of the National Academy of Sciences.

A sign in the rocks

Earth's rocky layers hold remnants of life's evolution, from the very ancient traces of single-celled organisms to the recent fossils of vertebrates. One of the key biomarkers geologists have used to identify the earliest forms of life is a class of lipids called hopanoids, whose sturdy molecular structure has preserved them in sediment for billions of years. Hopanoids have also been identified in modern bacteria, and geologists studying the lipids in ancient rocks have used them as signs of the presence of similar bacteria billions of years ago.

But Welander says hopanoids may be used to identify more than early life forms: The molecular fossils may be biomarkers for environmental phenomena -- such as, for instance, periods of very low oxygen.

To test her theory, Welander examined a modern strain of bacteria called Methylococcus capsulatus, a widely studied organism first isolated from an ancient Roman bathhouse in Bath, England. The organism, which also lives in oxygen-poor environments such as deep-sea vents and mud volcanoes, has been of interest to scientists for its ability to efficiently consume large quantities of methane -- which could make it helpful in bioremediation and biofuel development.

For Welander and Summons, M. capsulatus is especially interesting for its structure: The organism contains a type of hopanoid with a five-ring molecular structure that contains a C-3 methylation. Geologists have found that such methylations in the ring structure are particularly well-preserved in ancient rocks, even when the rest of the organism has since disappeared.

Welander pored over the bacteria's genome and identified hpnR, the gene that codes for the protein HpnR, which is specifically associated with C-3 methylation. She devised a method to delete the gene, creating a mutant strain. Welander and Summons then grew cultures of this mutant strain, as well as cultures of wild, unaltered bacteria. The team exposed both strains to low levels of oxygen and high levels of methane over a two-week period to simulate an oxygen-poor environment.

During the first week, there was little difference between the two groups, both of which consumed methane and grew at about the same rate. However, on day 14, the researchers observed the wild strain begin to outgrow the mutant bacteria. When Welander added the hpnR gene back into the mutant bacteria, she found they eventually bounced back to levels that matched the wild strain.

Just getting by to survive

What might explain the dramatic contrast in survival rates? To answer this, the team used electron microscopy to examine the cellular structures in both mutant and wild bacteria. They discovered a stark difference: While the wild type was filled with normal membranes and vacuoles, the mutant strain had none.

The missing membranes, Welander says, are a clue to the lipid's function. She and Summons posit that the hpnR gene may preserve bacteria's cell membranes, which may reinforce the microbe in times of depleted nutrients.

"You have these communities kind of just getting by, surviving on what they can," Welander says. "Then when they get a blast of oxygen or methane, they can pick up very quickly. They're really poised to take advantage of something like this."

The results, Welander says, are especially exciting from a geological perspective. If 3-methylhopanoids do indeed allow bacteria to survive in times of low oxygen, then a spike of the related lipid in the rock record could indicate a dramatic decrease in oxygen in Earth's history, enabling geologists to better understand periods of mass extinctions or large ocean die-offs.

"The original goal was [to] make this a better biomarker for geologists," Welander says. "It's very meticulous [work], but in the end we also want to make a broader impact, such as learning how microorganisms deal with hydrocarbons in the environment."

This research was supported by NASA and the National Science Foundation.

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Story Source:

The above story is reprinted from materials provided by Massachusetts Institute of Technology, via EurekAlert!, a service of AAAS. The original article was written by Jennifer Chu.

Note: Materials may be edited for content and length. For further information, please contact the source cited above.


Journal Reference:

  1. P. V. Welander, R. E. Summons. Discovery, taxonomic distribution, and phenotypic characterization of a gene required for 3-methylhopanoid production. Proceedings of the National Academy of Sciences, 2012; DOI: 10.1073/pnas.1208255109

Note: If no author is given, the source is cited instead.

Disclaimer: Views expressed in this article do not necessarily reflect those of ScienceDaily or its staff.

Source: http://www.sciencedaily.com/releases/2012/07/120725105309.htm

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PPC Course ? Understand How To Obtain A ... - Web Doctor 2.0




Posted on July 24th, 2012 Web Doctor

Affiliate marketing is really a powerful solution that makes unlimited opportunities for businesses. Online and non-online businesses significantly depend on internet marketing solutions in order to be visible in everyone marketplace. Advertising a business is one way to make it prosper. Presently, business owners ought to learn how to make their businesses loom. Discovering valuable marketing strategies is essential to the business. If you really want to succeed, then you?ve to do something that can make your business enterprise generate more money. Venturing online is quite challenging for business owners. There are risks that you need to be aware of in order to avoid making mistakes. When you start managing an online business, you have to be designed with useful marketing tools in order for your business to take leads. Keep in mind that you?re in a very tough challenge. Expect a difficult competition since there are countless competitors within the internet. You need to have a good business plan including effective advertising management. If you would like to create an online identity in the online global screen, then you?ve to learn essential marketing techniques and make sure you are able to put it into practice specifically to your business. One of the most popular web advertising methods today may be the PPC (Pay per Click). Businessmen can use this method in order to succeed in their marketing task. However, it requires skills and knowledge to ensure the success of the business promotion; therefore, trying out a PPC course is a must.

PPC advertisements are guaranteed to be a profitable online campaign. You can easily generate leads, income and much more potential customers. Most people think that dominating the web is an impossible task to accomplish. Apparently, not every internet marketers succeed in marketing a business. If you would like to secure a thriving enterprise, learning the tips and tricks regarding pay per click is the very first thing that you ought to do before you plan to manage PPC advertisements. Entrepreneurs, marketers and business owners might take up PPC course over the web. There are online guides or tutorials that they?ll take advantage of in order to have an edge over their competitors. The proper way of carrying out pay per click marketing campaigns give you the guarantee of utilizing a profitable business and a high position in the ad pages of search engines.

Receiving a good pay per click traffic is possible if you are equipped with expertise and in-depth understanding of pay per click management. The secret of a fast business development is making use of essential and powerful marketing techniques. PPC is simply one of the efficient internet marketing strategies that you could use if you want to make some fast progress in your business online

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Source: http://doctorweb20.com/ppc-course-understand-how-to-obtain-a-financially-satisfying-marketing/

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Surepath Academy: Year One: Dorms

Surepath Academy: Year One

Myths stopped becoming stories. They became a way of life.

Owner:

Game Masters:

This topic is an Out Of Character part of the roleplay, ?Surepath Academy: Year One?. Anything posted here will also show up there.

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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.

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