Source: http://www.badrelationshipsnetwork.com/2012/online-dating-site-criteria-identify/
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Monday, February 27, 2012
Best Online Dating Site - Bad Relationships Network
[unable to retrieve full-text content]A lot of people worry about finding the very best Internet dating sites, but there really is no one perfect site. It all depends what you are looking for. Here are some best online dating site criteria that you can use to find the best ...
Adam Sandler sets Razzie record for worst movies (Reuters)
[unable to retrieve full-text content]Reuters - Comic actor Adam Sandler may not be in the running for an Oscar this year, but on Saturday he set a new record for another award -- the most Razzie nominations for the worst films and performances of 2011.
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Sunday, February 26, 2012
5 Best Ways To Make Sure Cash On Internet
There are many snel geld verdienen strategies to make money online currently, and lots of people are earning an important income from the comfort of their own homes. How are they being profitable? With a effective Internet business, certainly!
Perhaps you want to earn your part-time income from your home or take up a full-time Internet business. It?s possible you?re a mum who wants to work while earning money. Or, perhaps you?re frustrated with the ?rat race? and would like to settle down with your own home business. Whatever the case, you can find one of the sure-fire strategies for making money online down below to get started.
One particular. Offer Companies That Alternative Web Business Owners Will Need
Many people earn money geld verdienen met internet on-line while offering expert services that various other Web business proprietors need for a continual time frame. These services contain Web hosting, domain address registration, web development, and content writing. Every new website need to have a Web number, domain name, website design company and written content. These services are available everywhere on-line, but the good thing is, there?s always area for a few additional! Online users are starting new Online marketers every day. Hence, the potential for generating income online with these expert services is huge.
You can start from the beginning with these businesses or decide on a company that allows you to trade its products and services. For instance, instead of setting up your very own servers becoming a Web host, it is possible to become a value added reseller of hosting services and write about a part of the gains. With this installation, your primary job is to showcase the assistance. The parent Service provider company will the rest.
Two. Expand Your Business
Should you already own a business, it is possible to expand it by using a internet site. If your corporation has its own internet site, your customers can be online to learn more about you, purchase your products or perhaps ask questions. It is a great way to publicise and build consumer trust. Additionally, you can speak about your website tackle in all your print out, television and radio marketing to maximize success.
3. Commence a ?Niche? Internet Business
Many people start small lenen Online marketers that indicate who they are or perhaps what they get pleasure from. The word ?niche? had taken on a whole new meaning as soon as the Internet has been around since. A niche company can be anything you want it to be : an online online florist, online basic car membership, online journal, online clothing store, internet shopping mall, on-line photo investment agency, on-line candy store, on-line quilt outlet, or an on-line shoe store. Choose one thing you enjoy undertaking and find a method to build a modest Internet business all around that theme. And, never let the word ?small? deceive you. Owning a small business is an excellent way to make money on the Internet!
5. Earn Money On-line Through Auctions
Don?t have time to manage a internet site? Try online auctions. You can sell almost everything at auction web sites and other Net auction sites, although be sure you pick a market that includes a strong demand. Some merchandise sell properly through deals, some do not. Also, make sure you choose a merchandise with a higher profit mark up so you do not lose money every time you list your current items.
Your five. Provide Affiliate marketing Services
Online company owners are normally looking for best ways to promote the websites. As a savvy Web marketer, this business supplies a tremendous money opportunity for anyone. You can earn money online while helping other people increase their gains. Internet marketing currently involves search engine promotion and SEO, Information and optimization for document pages, pay-per-click ads, keyword research, pr campaigns, banner and pop-up advertising, e-zine and mailing lists, and link deals. You can concentrate on one of these locations or give marketing techniques for anyone categories.
These include five verified ways to generate income. Each of these prospects can provide a steady stream of income if you work carefully to promote your small business and expert services and always give excellent customer service. Start using these ideas to start making money currently!
Source: http://www.ekesberget.com/5-best-ways-to-make-sure-cash-on-internet/
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Your House loan, Along With Your Taxes ? Region 4 Product Review
One of the better advantages of getting a residence is the taxation situation it applies you in. After all: when you hire, your dollars would go to your property manager. When you're eliminating your home finance loan, a number of it comes to you!
Here's how it operates: when your home mortgage financial loan is a lot less than thousands of bucks, next the interest on that home mortgage financial loan is quick loans same day allowable.
You ought to the amount of interest you paid? In the same way you have alert at the beginning of all seasons of various other taxation info in the past twelve months, your mortgage lender will point that you simply form you can use in getting ready your own personal income tax or deliver on your accountant. The proper execution is named InchHome loan Awareness DiscountInch (form 1098) and you need to acquire it in January, just in time for taxation preparation.
The mortgage lender will point exactly the same info to the Interest rates, in conjunction with alert from a property or home income tax paid that twelve months through the mortgage company in your property or home.
Therefore, certainly, if prior to now you utilized the 1040EZ form arranging your income tax, those people rozliczanie kierowcow are no longer. However it's worthwhile!
Schedule A of form 1040 would be the file you'll use to make a list of the house and house loan-linked deductions. Note that we now have some wants that the Interest rates can make to ensure that you to definitely acquire these deductions. Not counting the necessity to work with Schedule A, you additionally ought to have the capacity to present that you are legitimately chargeable for the home finance loan (quite simply, you can not enable your folks, your kids, e your Mother Edna utilizing their home loan repayments and then subtract that interest from your taxation responsibility), and you need obtained druk offsetowy the home finance loan on a house (versus other attributes, despite the fact that the definition of InchhouseInch is nearly complete, necessitating will sleeping, food preparation, and lavatory services be present).
When you're interested in taxation 'tokens' for proudly owning, it really is well worth incorporating that it isn't just the house loan that supply you with some taxation aid: building improvements in your house will help, too, if you financing them via a new house loan (re-financing) or via a house equity history of credit. Power productivity has typically been a marked improvement gonna win approval in the Interest rates, and even though the rewards are certainly not as good while they was previously, it really is well worth researching. The Nonbusiness Power Real estate Credit helps you subtract 10 percent of what you paid for a number of unique electrical power-productivity improvements (such as efficiency, windows, some air conditioning programs subtracting the money necessary for setting up).
Regardless how your perception, your taxation situation will improve if you're paying out for your own personal house rather than assisting other people purchase theirs. Another excellent reason to consider proudly owning today!
Source: http://www.region4dod.com/?p=2166
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Saturday, February 25, 2012
Charm Of Golden Triangle Tour
The Indian Golden triangle tour actually covers three most beautiful cities of India like Delhi (the capital of India), Agra (the city of Taj) and Jaipur (the land of Rajputs kings). It is actually presents these three cities of India in the most colorful forms and offers you stunning architectural buildings, forts and palaces with legendry inheritance and a fertile and rich tradition of art and culture. Each city of Golden triangle India has its unique identity made up of combination of different sights, sounds and experiences.
The golden triangle tour starts form Delhi as Delhi tourism offers charismatic charm to the visitors enriches with culture, architecture and human diversity, spreads along the western end of the Gangetic plain. A city deep with history, invaluable monuments and landmarks of love, empires, religion and sacrifices, Delhi has a long and illustrative tale to tell.
The city reflects the past and contemporary in style in a very presentable manner. Delhi tourism offers you to visit places like Qutub Minar, Red fort, Parliament house, Lotus Temple, India gate and many more. To make your vacation all the more exciting goes for shopping to Delhi Haat, Karol Bagh, Connaught place and Chandni Chowk. From Delhi Tour golden triangle takes you to the city of Taj, Agra where Agra tourism offers visit to places like a glorious heritage- Taj, the Agra fort, Chini ka Rauza, Samadhi of Soamiji maharaja, Itimaud-ud- daula?s, Mariyam?s Tomb, Jama Masjid, Buddhmathb temple, Gurudwaras Temple, Jain temples and many more. Agra tourism offers visitors unlimited fun filled activities while exploring the city. In fact there are only few cities in the world that can match the history and heritage of Agra. It is in the top list of althea visitors who intend to visit India. Finally from Agra Indian Golden triangle tour takes you to the pink city of India, Jaipur where Jaipur tourism offers various attractions to see when you visit Jaipur, a number of hill forts and series of palaces are waiting to be explores Jaipur expedition. Jaipur is also famous for its beautiful jewelry, fabrics, and shoes also as mojari, spacious gardens and marvelous monuments.So came and explore Golden triangle India and explore the beautiful cities of India and be a part of its rich culture and heritage of this mesmerizing country and being popular tourist destination, all these cities have good hostels and tourism facilities too.
Source: http://travel.ezinemark.com/charm-of-golden-triangle-tour-7d3441922def.html
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The Sounds of Violence
The scene begins (spoiler alert) with the faint squeak of an elevator door?"a sense of opening into a small and confined world where things are going to change," says supervising sound editor Lon Bender of Soundelux, who stands to win the Oscar with his colleague Victor Ray Ennis. The Ryan Gosling character, known as Driver, steps into this world with Irene (Carey Mulligan), and the elevator car hums and creaks its way down toward the garage. But when Driver sees a gun in the pocket of the elevator's only other passenger, a hit man, the elevator noises disappear. The lights dim as Driver kisses Irene in slow-motion. Then, suddenly, the sound is back and we're in the midst of some raucous violence: a pair of hollow, crashing sounds as Driver smashes the hit man?s head into the elevator walls; then more clunking as he falls to the ground and Driver starts stomping on his head, once, twice, three times, with his boot. The sound of leather on skin shifts as the assault goes on toward a blend of moisture and crunch. At the 12th stomp, it's clear from the audio that bones are breaking, and by the end of the sequence, after 15 seconds and 17 stomps, the dry and featureless thud has been transformed into a deathly squish. The elevator doors slide open again, with the same faint squeak they did before?Bender calls this a "sonic signature"?and Irene flees into the garage.
Source: http://feeds.slate.com/click.phdo?i=8c87e5f29d99fa4d598df61f2cb9c7ef
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Friday, February 24, 2012
The Poop Fairy program expands to Boise - Page 1 - News - Denver ...
Rachel Maddow knows there is no Poop Fairy. In fact, the MSNBC pundit is the reason that a good part of the country has heard of Jefferson County, Colorado, which created a "There Is No Poop Fairy" public-service campaign last summer as a way to remind people who used the county's parks and open spaces to pick up after their dogs.
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Now the city of Boise, Idaho, plans to use the idea as well (it will roll out its version sometime this spring or summer). And although that city is giving props to Jeffco, Maddow wants some credit, too.
On Friday, she brought back her feature on the Poop Fairy campaign, which she had named the "Best New Thing in the World" last June. During that segment, she'd gleefully shared the details of the Poop Fairy push ? which included a Facebook page ? and pointed out that the Jeffco worker responsible for the project had most likely been underutilized before then. (As Off Limits reported back in July, that "worker" was actually a team of employees who scoured the Internet for creative ideas after several people complained about doggie debris piling up in the parks.)
"After getting a lot of publicity," Maddow reported last week, "the campaign ended successfully: mission accomplished; awareness raised; Jefferson County park walkways seemingly cleaner than usual. End of story. Or was it? We have just received word that the simultaneously disillusioning and instructive Don't Believe in the Poop Fairy campaign is expanding, now to Boise, Idaho. We'd like to think the parks and rec people in Boise heard about the Poop Fairy from us."
If they did, the credit shouldn't stop with Maddow, or even Jeffco. At least one other municipality ? Virginia Beach, Virginia ? didn't believe in the Poop Fairy before Colorado borrowed the idea, although the Virginia campaign didn't come with Jefferson County's graphics and backstory that so delighted Maddow.
"Like the Loch Ness Monster or Bigfoot, the fabled Poop Fairy has been the stuff of legend," Jeffco told its citizens. "Flying undetected in parks, neighborhoods and schoolyards, she was said to follow close behind dogs and their owners ? picking up what the dog left behind before flying off to the next canine creation. A widespread belief that she existed seemed to reassure some that cleaning up after one's dog was sort of...optional."
But now you say there's no Poop Fairy? Oh, crap.
Scene and herd: Speaking of cleaning up, Michelle Obama brought the First Daughters to Aspen over Presidents' Day weekend, where they stayed at the home of Paula and Jim Crown, owner of Aspen Ski Corporation. We're guessing that the town was itching to erase the work of one Lee Mulcahy, an artist and former Aspen Ski employee who lives four blocks from the Crowns, and who, along with fellow members of Occupy Aspen, created a sculpture outside of his house ? "public art in a public place," Mulcahy points out ? with "lots of references to the Revolution, both American and French," he reports. "We even made a guillotine and hung a Barbie from the third-floor window." The city sent a note (copied to Aspen Ski Corp.) asking him to remove it; Mulcahy, who'd installed an earlier homage to the Crowns outside of the Aspen Art Museum (which he's now banned from entering), declined.
Source: http://www.westword.com/2012-02-23/news/poop-fairy-idea-expands-idaho/
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Thursday, February 23, 2012
Christie on Buffett: 'Shut up' (Politico)
Chris Christie has heard enough about Warren Buffett, and in typical fashion, the New Jersey governor had a certain blunt way of putting it.
?He should just write a check and shut up,? Christie said Tuesday on CNN?s ?Piers Morgan Tonight.? ?Really, and just contribute. The fact of the matter is that I?m tired of hearing about it. If he wants to give the government more money, he?s got the ability to write a check ? go ahead and write it.?
Continue ReadingChristie: Tired of Warren Buffett
(See also: Chris Christie?s 10 best quotes)
?I?m so tired of talking about Warren Buffett,? Christie said, interrupting Morgan. ?What are you going to bring up next, his secretary? I mean, this is the old song.?
?You haven?t even heard the question,? Morgan exclaimed.
?I know the question,? Christie replied. ?Do you really think Warren Buffett needs as much attention from the government as the most vulnerable ? since I got the question right, I?m not answering the question, how about that. That?s my gift for getting the question right.?
When they returned from a commercial break, Morgan continued to press Christie on the Buffett question.
?First of all, Warren Buffet doesn?t live in New Jersey,? Christie said, before ultimately answering the question. ?Of course, during difficult economic times you?re most concerned about the people who have the potential to suffer the most.?
Christie made his comments in the context of saying that his job as governor is to be responsible for all New Jerseyans.
?I?m not going to get into this class warfare business where certain people are more important than others or deserves more. ? Everyone deserves to have the government responsive to their concerns and needs,? said Christie.
Buffett, an influential billionaire, is the namesake of the ?Buffet Rule,? which suggests that those earning more than $1 million a year pay at least the same rate in taxes as those from middle-class households.
The rule had been a flashpoint in the ongoing national conversation about income inequality in the context of the Occupy Wall Street and 99 Percent movements.
Buffett had claimed that it was an injustice that he, a wealthy investor, essentially paid a lower tax rate than his secretary.
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After bitter debate, Romney and Santorum eye Mich. (AP)
[unable to retrieve full-text content]AP - A bitter and often personal debate behind them, Republicans Rick Santorum and Mitt Romney are shoring up their campaigns in different ways ahead of a series of crucial presidential primaries.
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Wednesday, February 22, 2012
Rio seeks relief from revellers' relieving themselves (Reuters)
[unable to retrieve full-text content]Reuters - An oil-led economic boom, hosting of the 2014 soccer World Cup and the 2016 Olympics, and a plunge in violent crime are making Rio de Janeiro, called Cidade Maravilhosa, feel like the "Marvellous City" for the first time in decades.
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Low Credit Score Car Loan Funding For People With Poor Credit ...
by shagun on Tuesday, February 21st, 2012 | Comments Off If you are at present developing a a bad credit score status or are in business who is credit rating is inadequate, it could be really discouraging to obtain a car loan. One of the main factors behind this can be the world-wide financial system which includes manufactured most finance companies a lot more cautious lending finances. Even those with a good credit score lots are presently discovering it harder to buying a first rate mortgage. While this is the cause for concern, you can find ways you can a low credit score personal car financing. It needs some little commitment out of your stop. A good option to get started on from whilst looking for instant approval payday loans safeguarded the poor credit score capital would be the net. The net is humming with finance companies that are skilled in neuro-scientific motor vehicle lending products for individuals and companies by using a boor credit rating. They?ve ultra aggressive capital plans which might be optimized to meet the needs of countless persons and companies. With your associations, persons and companies can now expect on the way to locking down vehicle lending products while using the greatest reduce.
Beside seeking for a web based organization to offer the money, you can even research prices payday loan online regional finance companies to search for to get a appropriate a bad credit score electric motor mortgage supporter. Because of your a bad credit score size, this quickly making you a prey of large interest lending products. Hence, comparing prices for cheap auto loans is significant to cut back around the added interest fees. When you commence your search for that appropriate supporter, it is actually vital that you do not forget that many of the creditors who offer this kind of lending products mainly check out their entire particular predicament. Your credit rating is essential, but when you have a considerable month-to-month wage, a gradual career history, great employment experience having a minimum of ewidencja czasu pracy weeks and fulfill the funding essential for the downpayments, you then stay a good chance of procuring a low credit score personal car financing.
In the event you satisfy of their needs then, you may even have a motor vehicle mortgage straight away depending on the productivity of your budget giving the capital. Receiving a direct car financing is simply attainable should you have presented the financial lending police officer with the necessary records for fast digesting of the car financing. In most associations, these records include your car owners certificate, documents of evidence of career, interpersonal protection particulars, subsequent of kin, insurance policies needs and mortgage digesting varieties. Additionally you can get safeguarded capital providers from banking companies and finance companies that are skilled on lending finances to the people and companies with below-average credit. While one has to be cautious that the, most of these associations avoid capital affordable automobile auto loans, mainly simply because that, loans lending products seriously don?t make significantly income as capital should be done in volume level so that you can achieve any benefit. The personal institutions and banking companies that offer this kind of lending products on below-average credit records are usually not undesirable an option, however their interest levels are nevertheless more expensive than on the web loan suppliers. Nevertheless, one particular also has to take into consideration the sense of protection they offer.
Source: http://impeachbybee.org/low-credit-score-car-loan-funding-for-people-with-poor-credit
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Tennis Clothing | Man and Van Moving Blog
If you already take part in tennis, then I assume that you already appreciate what tennis players wear, so this piece is aimed at those people who wish for to procure tennis attire for a dear one for a special occasion. After all, it is not as straightforward as it seems to purchase sports wear for the player of a sport you understand nothing about.
There is a certain picture we are inclined to associate with a tennis player: white Polo top with shorts or skirt and matching shoes. They are trendy and stylish, comfortable and characteristic at the same time. Items of tennis clothes often signify a great deal to people who are not just sports fans. If the person you are shopping for is a tennis aficionado, tennis attire becomes a great gift that can also be quite reasonably priced despite the rumors that it costs a great deal.
In case tennis attire is something unfamiliar to you, Google it over the Internet and you will be amazed to see how much information there is on hand. Very many forums will tactfully let you know you about prices and deals going on at an assortment of retail shops and online dealers.
They will also provide you with information as to which marques are considered the best, which are considered the least hard-wearing and reliable, which are affordable and which more than usually dear .
What many tennis outfit wearers recommend is that you procure the type of top or shirt that will make you feel most comfortable and that would permit the very wide angled movements that are specific to the practice of this sport. For instance, the shorter the sleeves of your tennis apparel, the freer the movement during the game. Some procure tennis kit also according to the season in which they intend to play. Still others go for the materials that can be worn in both warm and cold seasons.
They firmly believe that the tennis kit ought to keep them both warm and cool at the same time. As far as the t-shirts for men are concerned, you must know that most players speak of Polo shirts in very high terms, as the collar offers you some neck protection from the sun?s rays.
Guidelines about tennis apparel like that above are available on very many web sites. If you are not quite convinced what to go for when choosing your friend a gift, then you can always inveigle him or her to have a discussion about his or her favourite sport. Using a little delicacy, you will without doubt be able to direct the t?te-?-t?te to a related topic that interests you, i.e. tennis clothes. Making it all look like casual conversation will not make him or her guess what you have in mind for the special occasion.
If you are a beginner tennis player or want to know more about the general psychology of tennis, please go to our website entitled Tennis Tips for Beginners
Source: http://www.123manandvan.com/movingblog/uncategorized/tennis-clothing/
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Facial recognition billboard only shows ads to women (Yahoo! News)
[unable to retrieve full-text content]Yahoo! News - Facial recognition technology is gaining steam on Facebook as a tool to help you tag your photos. Police in Massachusetts are using facial recognition to take a bite out of crime. But does a new billboard in London, capable of determining your ?
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Tuesday, February 21, 2012
Small Business Accounting: How to Choose an Accountant ...
[unable to retrieve full-text content]A small business is an organization that is usually subtle in terms of number of workers and/or sales revenues. A sizable majority of the businesses inside United State are small business. These businesses are generally ...
Source: http://www.swiftdeal.com/2012/02/small-business-accounting-how-to-choose-an-accountant/
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How to Find an Affordable Dentist for Your ... - New Health and Fitness
New Health And Fitness.Org - Health Information You Can Use
On this busy planet, where almost everything arrives for their fee, even your teeth extracted would set you back an unbelievable cost. That?s why, when in financial constraints, dental hygiene is usually one of the numerous allegedly essential items to release. Many people actually believed that developing clear teeth might be sufficient, and do not think about warping enamel as a possible urgent situation, unless it really is irritating by now along with regularly painful.
Cheap services are difficult to find nowadays, specifically if you don?t have the insurance policy for this. That?s why many individuals forgo going to the dental practice till it really is nearly or too late. An affordable dentist won?t automatically add up to terrible services, even though, that?s likely the circumstance. The sole strategy to this is to secure a dental insurance plan to pay for the expenditures, in order that you not need to spend expensively for the care of your enamel.
In a few states, cost-effective dental office services are provided to those who usually do not be eligible for insurance. The particular Gaga Pratt Tooth Center in to the south central Phoenix Arizona really provides dental treatment solutions to be able to bad youngsters ageing fifteen to be able to 20 that do not top quality for just about any dental insurance plan. This particular facility gives complete dental assessments and also treatments like cleanings, sealant, extractions, root pathways, fillings, x-rays, fluoride along with crisis therapies.
A few educational institutions additionally allow their particular second and third calendar year students use a hands-on knowledge along with training in dental hygiene thereby allow them execute mouth evaluation upon sufferers, under the mindful proper accredited dental practitioners. Service fees regarding dentistry under this kind of student-dentist merely expense half the average fee of traversing to a standard dentist.
Obviously, other folks wouldn?t normally care to have confidence in their particular dental treatments in order to mere pupils, hence, they?d rather give up going to a dental office as compared to obtaining time frame payment. There exists an Oral Health Center inside Arizona (as) that happens to be offering inexpensive teeth?s health system for individuals struggling with physical, emotive and also mind ailments. To be able to be eligible, you need to be at the very least twenty one years along with affiliated with identified categories of grownups with handicaps.
Regarding dental services demanding intricate treatments and a highly-skilled beauty dental office for example tooth embed, bleaching, porcelain ceramic veneers, inlays along with on-lays, 1 can?t aspire to acquire these kinds of reasonably, with no support of dental insurance. Low cost dentist solutions do not come across usually of this type of dental work and should be either economically organized ahead of time or perhaps paid by related insurance plan.
Learn more about cheap dentists by visiting www.echeapdentist.com where you can find out all about affordable dentist and what it can do for you.
Source: http://newhealthandfitness.org/2012/02/20/how-to-find-an-affordable-dentist-for-your-needs/
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Monday, February 20, 2012
[OOC] The Vanquishers 2.0
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This forum is for OOC discussion about existing roleplays.
This is the auto-generated OOC topic for the roleplay "The Vanquishers 2.0"
This forum is for OOC discussion about existing roleplays.
Please post all "Players Wanted" threads in the Roleplayers Wanted forum!
This topic is an Out Of Character part of the roleplay, ?The Vanquishers 2.0?. Anything posted here will also show up there.Topic Tags:
Forum for completely Out of Character (OOC) discussion, based around whatever is happening In Character (IC). Discuss plans, storylines, and events; Recruit for your roleplaying game, or find a GM for your playergroup.This is the auto-generated OOC topic for the roleplay "The Vanquishers 2.0"
You may edit this first post as you see fit.
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Sanctimonia - Member for 1 years
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Time to Protect Kid's Privacy Online ? Salem | Internet Privacy And ...
?
Feb-17-2012 15:41
Ralph E. Stone Salem-News.com
Let your members of Congress know how we feel about H.R. 1895, ?The Do Not Track Kids Act.?
(SAN FRANCISCO) ? Privacy has turn a vital emanate in a United States and Congress is profitable attention. H.R. 1895, ?H.R. 1895: Do Not Track Kids Act of 2011?, a bi-partisan check sponsored by U.S. Representatives Ed Markey (D. MA) and Joe Barton (D. TX), is tentative in Congress. H.R. 1895 would rectify a ?Children?s Online Privacy Protection Act? (COPPA) by introducing additional supplies to oversee a collection and use of teens? personal information.
COPPA, effective Apr 21, 2000, was upheld before cookies and other tracking technologies were being used, and doesn?t cover teens, who frequently use amicable networking sites like Facebook and Twitter. COPPA relates to a online collection of personal information from children underneath 13. COPPA spells out what a website user contingency embody in a remoteness policy, when and how to find verifiable agree from a parent, and what responsibilities an user has to strengthen children?s remoteness and reserve online. COPPA is enforced by a Federal Trade Commission. The FTC has promulgated regulations to make COPPA. For some-more information on COPPA, see a FTC?s ?Frequently Asked Questions about a Children?s Online Privacy Protection Rule.
H.R. 1895 takes COPPA even serve by prohibiting Internet companies from collecting personal information from anyone underneath 13 but parental consent, and from teenagers but their consent, and prohibits companies from profiling kids and teenagers for advertising. It also requires websites to have an ?eraser button? to get absolved of information collected about kids and teens.
H.R.
Article source: http://www.salem-news.com/articles/february172012/kids-online-privacy-rs.php
Source: http://internetprivacyanonymitysecurity.com/?p=2315
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Sunday, February 19, 2012
How To Choose A Video Game Console | GameDealFinder.com
Sunday, February 19th, 2012
Price ? Probably the single biggest factor for someone choosing a video game console is the price they have to pay to purchase the system itself. Prices range from $599 for the Playstation 3 down to $129 for the Nintendo DS. And if you really want to save money you can buy past generation consoles like Playstation, Nintendo 64, and Super Nintendo and spend no more than $20 for a used system. The prices for games should also be factored in when making your choice. PS3 and Xbox 360 games are usually $59.99 new, while Nintendo DS games sell for $29.99 new. Games for old systems are hard to find at regular retailers, but they are usually quite a bit cheaper if you buy them online.
Graphics ? The graphics are always improving with the newer video game consoles, so the newer systems will always have the best graphics. The Xbox 360 and PS3 have the best graphics and can display in High Definition if you have a TV that can display it too. The Wii does not have the same graphical
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Source: http://www.gamedealfinder.com/gamecube/how-to-choose-a-video-game-console/
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Loans for Small Business ? Occupy the Fed
A good start perhaps is critical in maintaining and operating a small business unit. Steady requirement of cash flow needs to have funds during the start up of a new business. With the experience of the most unexpected financial crises in the world history, it is quite difficult for someone to get a loan for their small business. For anyone starting up a small business unit, getting a business loan approval could be difficult. This bring a difference in the failure or success of new business.
Many governments backed agencies are providing offers of loans to most of the small businesses. The businesses that are starting up quickly so that could provide the services to the community, products and or events. Governments are happy to offer you loans so that helps you start whereas loans have diverse repayment policies and terms. Instead you also need to pay attention towards the rate of interest within so that you do not end up with debt. The idea of paying the small business loan off once the business has been started earning is a win-win decision.
Thinking about small business loan need you to Plan ahead. Forecasting your cash flows of six months with existing financial records. The financial institutions that issue loans for small businesses will not just oversee the basic financial but might also be interested to know the difference of accounts payable and receivables , statements of profits and loss as well as details of revenues. Keeping the records organized will bring the loan officer get out of the huge undertakings between the approval of the loans.
For the businesses that are already in practice and would like to gain advantage through the loans for small business they should establish a healthy banking relationship. It would be easier to demonstrate that your business can pay back the small business loan to the Lenders you already in relation with. They can look into the number of variables through this existing relationship including risk of loan principle and as if your business is capable of paying the interest. This develops the credit worthiness of your business.
One of an effective step towards the provision of loans for small businesses is The SBA- The Small Business Administration that has received a huge mandate in supporting the small business units, whereas the numbers showing improvement each year. During the fiscal year 2011, SBA on average guaranteed approx $650mm of different loans per week to the small business units. This is higher than that of 2010 Which was $333mm in 2010. It is advised to Go an SBA backed offer first, before going anywhere else, provided the time that you have. Most SBA loans take several weeks or months for the whole process whereas the terms and rates are far often the best out of all the available
Merchant Cash Lenders are the fund providers willing to provide capital to the businesses which require a majority of the revenue through credit card processing but at a very steep cost. The interest rates charged are extremely high with application fees upfront. These are not regulated legally as a loan, as its an ?advance? on credit card receivables of the future.
Credit Unions are the lending institutions similar to local banks. The main purpose of the credit unions is the provision of financial products that are cost effective for the businesses of the members. The members of these credit unions are the basically the ?owners? of the particular institution. Credit unions avoid the risky bad lending decisions due to the current circumstances and financial crisis though they may not interested in offering small business loans whereas it?s a safe bet that should look into. A downside to this option is that one need to be a member to get benefited.
loans for small business, loans for small businesses</a
Source: http://occupyfed.com/?p=12891
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Saturday, February 18, 2012
German reporter recalls abuse in Iranian jail (AP)
[unable to retrieve full-text content]AP - When German reporter Marcus Hellwig was thrown into an Iranian prison on spying allegations, it struck him as odd that the chair in the interrogation cell had no backrest.
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Friday, February 17, 2012
AAAS workshop: Research collaborations with India and Brazil
![[ Back to EurekAlert! ]](http://www.eurekalert.org/images/back2e.gif){kind=small}
Public release date: 16-Feb-2012[ | E-mail |
Share ] Contact: Helen Murphy
hmurphy@aucc.ca
613-608-8749
Association of Universities and Colleges of Canada
Ottawa, February 16, 2012 Emerging economies around the world are transforming themselves through dramatic investments in higher education and research, and Western countries must take action now to not be left behind.
That's the focus of a workshop hosted by the Association of Universities and Colleges of Canada at the AAAS Annual Meeting in Vancouver on Feb. 17. The session, "Establishing research collaborations with emerging economies: Canada's experience in India and Brazil" will look at why and how Canada's universities are establishing and enhancing educational and research partnerships with India and Brazil, the opportunities these collaborations are creating, and lessons that can be learned from the Canadian experience.
"International partnerships in research and innovation are vital to building prosperity in the new knowledge-driven economy," says Paul Davidson, president of AUCC. "And in Canada, building international collaborations is increasingly about reaching out to emerging nations countries that are building prosperity by investing in research and innovation."
Brazil is an excellent example. This dynamic Latin American country is poised to become a top-five economy in the next five years and has set a research expenditure target of 2.5 percent of its GDP by 2022.
India, one of the fastest growing economies, will need 1,400 new universities in the next decade. It is currently sending about 160,000 students abroad annually and is poised to surpass all of the G8 in terms of research output.
The AUCC workshop will look at how Canada is positioning itself as a world leader in research and innovation in part through enhanced partnerships and collaborations with emerging nations and how this strategy fits with the country's ongoing mission of attracting the best and brightest minds from around the world to its universities.
Workshop details:
Date: Friday, February 17, 2012
Time: 1:00 PM to 2:00 PM
Facility: Vancouver Convention Centre (West Building)
Room: 107-108
###
NOTE TO MEDIA: AUCC president Paul Davidson is attending the AAAS Annual Meeting Feb. 16-20 and is available for interviews on this workshop topic and also the importance of hosting the AAAS gathering in Canada for our university research community.
Media Contact:
Helen Murphy
Communications Manager
Association of Universities and Colleges of Canada
hmurphy@aucc.ca
613-563-1236 ext. 238
Cell: 613-608-8749
[ | E-mail | Share ] ?
AAAS and EurekAlert! are not responsible for the accuracy of news releases posted to EurekAlert! by contributing institutions or for the use of any information through the EurekAlert! system.
Public release date: 16-Feb-2012[ | E-mail |
Share ] Contact: Helen Murphy
hmurphy@aucc.ca
613-608-8749
Association of Universities and Colleges of Canada
Ottawa, February 16, 2012 Emerging economies around the world are transforming themselves through dramatic investments in higher education and research, and Western countries must take action now to not be left behind.
That's the focus of a workshop hosted by the Association of Universities and Colleges of Canada at the AAAS Annual Meeting in Vancouver on Feb. 17. The session, "Establishing research collaborations with emerging economies: Canada's experience in India and Brazil" will look at why and how Canada's universities are establishing and enhancing educational and research partnerships with India and Brazil, the opportunities these collaborations are creating, and lessons that can be learned from the Canadian experience.
"International partnerships in research and innovation are vital to building prosperity in the new knowledge-driven economy," says Paul Davidson, president of AUCC. "And in Canada, building international collaborations is increasingly about reaching out to emerging nations countries that are building prosperity by investing in research and innovation."
Brazil is an excellent example. This dynamic Latin American country is poised to become a top-five economy in the next five years and has set a research expenditure target of 2.5 percent of its GDP by 2022.
India, one of the fastest growing economies, will need 1,400 new universities in the next decade. It is currently sending about 160,000 students abroad annually and is poised to surpass all of the G8 in terms of research output.
The AUCC workshop will look at how Canada is positioning itself as a world leader in research and innovation in part through enhanced partnerships and collaborations with emerging nations and how this strategy fits with the country's ongoing mission of attracting the best and brightest minds from around the world to its universities.
Workshop details:
Date: Friday, February 17, 2012
Time: 1:00 PM to 2:00 PM
Facility: Vancouver Convention Centre (West Building)
Room: 107-108
###
NOTE TO MEDIA: AUCC president Paul Davidson is attending the AAAS Annual Meeting Feb. 16-20 and is available for interviews on this workshop topic and also the importance of hosting the AAAS gathering in Canada for our university research community.
Media Contact:
Helen Murphy
Communications Manager
Association of Universities and Colleges of Canada
hmurphy@aucc.ca
613-563-1236 ext. 238
Cell: 613-608-8749
[ | E-mail | Share ] ?
AAAS and EurekAlert! are not responsible for the accuracy of news releases posted to EurekAlert! by contributing institutions or for the use of any information through the EurekAlert! system.
Source: http://www.eurekalert.org/pub_releases/2012-02/aoua-awr021512.php
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Third Peer-Reviewed Study Proves Botanical Formula Fights Prostate
SANTA ROSA, Calif.???Scientists at Indiana University, Methodist Research Institute study a botanical formula that kills aggressive prostate cancer tumors. Their findings, based on experiments in mice using a human prostate cancer tumor model, appear online in?The International Journal of Oncology. This is the third published study from a major university to show significant results of this specific multi-nutrient prostate formula against the invasive behavior of aggressive prostate cancer cells, tumor growth and metastasis.?The formula combines botanical extracts, phytonutrients, botanically-enhanced medicinal mushrooms, and antioxidants. *Learn more about the formula by visiting?www.
Lead researcher, Dr. Daniel Sliva says, ?Multiple studies demonstrate that this prostate formula is a possible treatment for hormone refractory (androgen independent) prostate cancer.?
Suppresses Aggressive Tumor Growth Without Toxicity
Results of the study show this prostate formula significantly suppressed tumor growth in aggressive, hormone refractory (androgen independent) human-prostate cancer cells. This study also analyzed the formula for potential toxicity, demonstrating it to be safe with no signs of toxicity at the highest dosages. *To view the study, visit?www.spandidos-
Researcher and formulator, Dr. Isaac Eliaz says, ?This study is a milestone in the research of this formula, demonstrating its safety and effectiveness in treating human prostate cancer in an animal model. These positive results offer a significant contribution to the field of prostate cancer research, and add to the growing body of published data substantiating the role of natural compounds in the treatment of prostate cancer.?
Results of the study show that the oral administration of the formula produced a statistically significant 27% suppression of tumor growth, compared to controls. The study was performed using a xenograft tumor model of human prostate cancer in mice.
Inhibits Genes Involved in Tumor Growth and Metastasis
Even more important, in addition to significant reduction in tumor volume, results showed inhibition of the expression of several genes involved in cancer proliferation and metastasis. Three prostate cancer-related genes (IGF2, NRNF2 and PLAU/uPA) that were suppressed by this formula not only control aggressive prostate tumor growth, but also relate to the metastatic potential. It is metastasis that makes prostate cancer deadly. The formula also significantly increased the expression of a gene that fights against prostate cancer, CDKN1A, which works by specifically inhibiting other cancer promoting cellular mechanisms.
By suppressing specific genes related to aggressive prostate cancer growth and proliferation, and increasing the expression of cancer-fighting genes, this integrative formula demonstrated multiple anti-cancer mechanisms and genetic targets. This pre-clinical in vivo study confirms previously published in vitro data, which also shows the ability of this formula to decrease the expression of PLAU/uPA genes in aggressive, hormone-independent prostate cancer cells.
Study Further Validates Earlier Results
This formula was previously studied at research laboratories at Columbia University, New York, NY and at the Cancer Research Laboratory, Methodist Research Institute, Indiana University Health, Indianapolis, IN. These published studies showed significant results in this formula?s ability to inhibit prostate cancer growth and proliferation. *To view the research, visit?www.
?In summary, this dietary supplement is a natural compound for the possible therapy of human hormone refractory (independent) prostate cancer,? says Dr. Sliva. Ongoing research on this formula in prostate cancer models continues to show encouraging results, and additional studies are forthcoming.
For more information about this study, call?(707) 583-8622?or visit?http://www.spandidos-
Source:
ProstaCaid? inhibits tumor growth in a xenograft model of human prostate cancer.
www.spandidos-publications.
About Better Health Publishing:
Better Health Publishing (BHP) focuses on the publication of key works promoting health and wellness. BHP believes that education and accessible information are the core components of a healthy and sustainable society.
Contact:
Amy Pellegrini
Communications Specialist
Better Health Publishing
(707) 583-8622
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The Simple Dollar ? Reader Mailbag: Novel Writing Update
What?s inside? Here are the questions answered in today?s reader mailbag, boiled down to five word summaries. Click on the number to jump straight down to the question.
1. Recycling
2. Bankruptcy or not?
3. Downsize or not?
4. Praying for money
5. Figuring out down payment
6. How much for extra payments?
7. Distant family
8. Dream beach house?
9. Combining credit card problems
10. Simple game for couples
A surprising number of you have written to me asking for updates on the novel I?m working on. The first draft of it is about 60% complete. I have a detailed plot outline done and maybe 30% of the writing finished.
Once it?s done, I will let it sit for a few weeks without looking at it, then I?ll edit it myself. After that, I?m going to pass it on to several editors to polish it up.
I?m really happy with it. It?s fairly light reading, I think ? nothing incredibly deep or complex, but lots of fun.
Q1: Recycling
I?ve noticed a few times that you mention ?tossing? items such as unread magazines after you browse through them. Just wondering if you recycle paper or other items ? I think it would be great if you would mention recycling instead of just ?tossing? when you refer to throwing things away.
- Anna
The relatively rural area where we live does not offer any sort of recycling program. In order to recycle materials, we have to take them to a center in another town.
We tend to re-use magazines, though. They become fodder for children?s art projects, wrapping paper, and, since we go camping a lot in the summer, they often become an abundance of firestarters. They get ?tossed? into a magazine box, usually, and are then harvested for these types of uses.
We do save all of our extra boxes, flatten them, and take all of them and any extra magazines over to the recycling center about once every two months or so.
Q2: Bankruptcy or not?
The short version of my story is that I am 26 with about $35K in debt ($18K in student loans, the rest is credit cards, medical bills, and car loans). After being unemployed for almost a year, I got a job a few months ago paying $30K, but living in DC, it?s a miracle I can provide for myself and my child, and there is nothing left over to pay down the debt. I make about $1800/month after taxes: I pay $1000 for my apartment, $300 for groceries, $200 for transportation expenses, $50 for my cell phone, $50 for internet, (both of which I need for work) and $100 towards my student loans. I?m really worried my creditors will come after me now that I am employed again and I won?t be able to make ends meet if I get a judgement against me. I have no assets- no car, no savings, no retirement accounts, and having a small child means I can?t get a second job. My parents gave me money to pay basic expenses while I was unemployed and are willing to lend me the money for a bankruptcy attorney if it will help, but they are unable to help more than that. My question is, should I file bankruptcy to get rid of the non-student loan debt?
- Jolene
The biggest downside to bankruptcy is that it severely hurts your credit for the next seven to ten years.
This can affect everything from your potential job hires to your insurance rates, though your bankruptcy is far from the only factor there. It also severely disrupts your potential to get loans during that period.
If those issues are relatively minor to you, I would consider talking to a bankruptcy lawyer. You have a child, and if you have more bills than you can afford to pay by any reasonable standard, bankruptcy is probably the best route for you.
Q3: Downsize or not?
I?ve reached an impasse as to whether I should sell my house and downsize to a smaller living space. I currently pay $1,300 PITI a monthly with an FHA mortgage of $146,000. My net income is about $3,200/month as a contractor in work I enjoy. I?ll probably be working on this contract into next year. I pay over $600/month for health insurance. I attend grad school part-time and will have about $21,000 in student loans to pay off in 2014. I have about $12,500 in credit card debt and I am working hard to pay it off?paying at least $500/month most months.
So the burning question is: should I sell my house? On the market, it would ultimately sell in the $190s, and I would guess it would take maybe six months to sell. But in order to sell, I estimate that it would take at least $5,000 worth of work (mostly new paint, carpet, and fencing). I like my neighborhood. But I?m a single person (I got the house in a divorce two years ago), and the house is a lot to take care of.
Should I stay and continue to build equity in the house and possibly refinance (which also costs money). Or should I cut my losses and make plans to sell?
- Linda
If you?re struggling to care for the house, then the best solution is to downsize.
You need to also remember that it?s not just the time invested in caring for the house, but you?re also paying property taxes on it and you?re also paying inflated energy bills for it. Those have a significant negative impact on your financial state ? and the time spent caring for the house is a drain, too.
If I were you, I?d invest my extra money into getting the house ready to sell, then put it on the market.
Q4: Praying for money
We are in a world of financial hurt. I don?t want to talk about numbers, but we barely can keep up with our minimum payments. My wife won?t face them with me. Her solution is to pray all the time for money to solve our problems. She goes to church several times a week and prays a few times a day for money. What can I do to get her to address our problems directly?
- Carl
While prayer is a powerful mechanism, particularly for one?s spiritual sense of balance, it?s often not the answer all by itself.
My view on prayer is that it?s often a key for figuring out what you?re supposed to do. Rather than thinking of prayer as a ticket to a gift, look at it as a finger pointing the direction.
In the end, it?s still up to you to take action. Prayer just helps guide you to the right action.
I would approach your situation by asking your wife what her prayer is telling her to do. If she doesn?t know, suggest that she pray not for money to fall on her lap, but pray for some guidance on which path to follow.
Q5: Figuring out down payment
My wife and I are looking to buy a house. The price of homes in our area are around $270,000-$315,000. We are shooting to purchase a home for $285,000 or under. Currently, we have $45,000 in savings and are saving $4,300 a month since we just moved back with my parents at the end of January in order to save more. (My parents are more than happy to keep us here as long as possible so there is really no rush to move out.) I figure that by July we will have the 70,000 necessary for the 20% down payment, closing costs, and reserves. We also have an emergency fund of $5,000.
My question is whether it is smarter to go with an FHA loan and pay down my graduate student loans, which are at a higher interest rate or to save the extra money for putting down 20% of the purchase price to avoid the pmi and to have a lower mortgage for the next 30 years. I am leaning toward the 20% down because of the attractiveness of such a low mortgage payment, but I cant help feeling like doing so would be tossing money in the trash because our graduate loans are at a much higher rate. I am not good with numbers so I cant figure out exactly how much I am costing us by paying down the mortgage debt over the student loan debt.
Here are the numbers I do understand:
The interest rate for purchasing a home right now via FHA are at around 3.75% BUT our mmi on a $285,000 loan is a little over $250 extra a month and we wouldn?t be able to cancel the mmi for at least the first 5 years. (I know the mmi sounds high, but that?s what the bank quoted us.) Our mortgage payment on a FHA loan of $275,000 would be $2,200 a month ((purchase price) 285,000 ? (3.5% down payment) 10,000 = 275,000 (loan amount)).
With a conventional loan of $228,000 and an interest rate at around 3.75% ((purchase price) 285,000 ? (20% down payment) 57,000 = $228,000) our monthly payment would be approx. $1,600. Our graduate student loan debt is $90,000 at 6.55%. We have no other debt.
Long story short, are we losing money putting down 20% on the low interest mortgage and if so, how much?
- Bill
You want to always minimize the interest rates you?re paying. So, what I would do if I were you is get some quotes based on your situation now.
When you get a quote on your mortgage, it will tell you the effective interest rate on your mortgage including the PMI and other factors.
If it?s lower than any of your outstanding debt, then you should pay off that outstanding debt first. That?s the move that will cause you to pay the least amount overall on your debts.
I would not get a mortgage until I had those higher interest debts gone and a 20% down payment, but if I were going to force the issue, I?d make sure I had the debts gone as a higher priority.
Q6: How much for extra payments?
My husband and I are in a somewhat good situation where we have more money coming in these days, yay, but a ton of bills/debt to pay off. The money isn?t always coming in consistently (while we both have base salaries, I am in sales, so commission comes in spurts and he gets a bonus here and there). I need help in learning how to pay down bills, but not too much so that we are left in the hole again for a month/few months. I get so motivated and excited to pay bills/pay off some debt, that I pay too much and then am left stressing again because we don?t have enough to get by for awhile. So how do you balance out paying off bills/debt with saving some when there are so many bills to pay? Is there some ratio, advice for knowing when to stop paying stuff and waiting a little longer.
- Kelly
Make minimum payments for a while. Instead, put every extra dime you have into a savings account.
Whenever that savings account has a balance of over $1,000 in it, put the extra toward your highest interest rate bill.
If you need some extra for an emergency, take the money out of savings, then replenish it when you have more money.
That $1,000 is your emergency fund, and it will protect you from such issues.
Q7: Distant family
I believe you?ve mentioned that your wife?s family is in Seattle. How do you guys deal with that? I?m originally from Portland, Oregon, and my husband and I are currently living in his hometown of Mechanicsburg, Pennsylvania. I love my husband and we?re certainly blessed by his family here, but I miss my family, and the Northwest, very much. We visit once or twice a year, and my parents usually visit us once a year as well. If we moved to Portland ? besides facing the scary risk of giving up two stable jobs for a relatively unstable job market ? I think eventually my husband would begin to miss Pennsylvania just like I miss Oregon. It really saddens me to imagine having kids here, and feeling ?stuck? here, far from my family, for the rest of our lives. It?s hard to talk with my husband about this, 1) because I get pretty emotional when I let myself think too much about the situation, and 2) because he feels pretty helpless about it, and consequently, insufficient and guilty.
How do you and your wife deal with this situation? Does she miss her family? Do her parents get to see your kids very often?
- Charlotte
My wife?s immediate family is split between northwest Washington state and rural Illinois.
For the portion of her family in Illinois, contact is pretty easy. We see them perhaps once a month for some reason or another.
For the portion in northwest Washington, it?s a bit trickier. Over the past several years, Sarah has been to Washington at least three times and our entire family has been out there twice. Since the crowd size in Washington is smaller than that in the Midwest, they tend to travel to the Midwest more often. We try, in the end, to have the total travel cost for all parties balance out. We feel that?s worked pretty well for us.
Communication is the key. Talk about these things.
Q8: Dream beach house?
Since I was 18 years old, I had wanted a beach house. My husband and I have saved for it for years. This year we sold our condo (mostly paid off) and were able to purchase the beach home of our dreams?or so we thought. We used $180K from the sale of our condo plus about $50K in cash on a down payment on the new home. Unfortunately, we took out a loan for about $543K with a 7/1 year ARM at 3.125% or $2325 per month. Now that we are moved in, I feel crushed by the debt I have taken on. All I want to do is sell the home and move into something that is more affordable. Secondly, the new home needs some work and I do not feel up to making the changes. I find the layout very difficult to manage and the house is way too big for our family?s needs. I made a mistake by paying $775K when our budget should have been around $600K max. We currently have no debt outside of our mortgage and are still able to save several thousand a month after mortgage payment?so we technically can afford it, but I am not comfortable with the debt. Lastly, we also realized that we probably overpaid about $75K for the home.
I feel that I made a rash decision on the house (busier beach location rather than a quiet location) and I do not ?love? it like I think I would. Also, I am experiencing health problems (loss of eyesight in one eye from a macular hemorrage) and am considering limiting my hours at work so we can adopt children (work less or part-time) at some point.
My question is? when do you think we should consider selling the property? We are thinking of waiting around 5 years so we can save 100K or more in cash and any possible inheritance money. It would allow us to enjoy the house for a few years and we could downsize at this point?perhaps paying mostly cash for a smaller home further inland. The only problem is that we live in CA and it is difficult to buy anything for less than $500K in a desirable neighborhood or in good condition.
On the other hand, waiting to sell would result in us paying $100K in interest to the bank. We just think it would be rash to sell now because of all of the realtor?s fees, loan fees, and possibly selling the home for less than we bought it. Also, we have not really had the opportunity to really enjoy summers at the beach. Does this plan make sense to you? Or, should we consider selling soon and just accept a loss on the house?but get out of debt. I just feel like my priorities have changed since I was 18?but we would be throwing away the opportunity to live near the beach.
- Claire
Without running the complete numbers, it?s hard to tell whether or not you?d be cash ahead by selling the place now and renting for a while or living in the house for a while (or perhaps renting it). There are a lot of factors to consider in that decision, from commuting costs to property taxes and upkeep.
This type of decision isn?t a purely financial one, though. It sounds like the house isn?t something you?re particularly enjoying and the realization hurts a bit. It just means you?ve grown as a person. Don?t let it get you down.
If you aren?t happy living there, sell, even if the money isn?t perfectly in your favor. There is value in living in a situation you?re happy with.
Q9: Combining credit card problems
Currently my fianc? and I own a home together with a mortgage balance of $91,000 on a home that is worth $134,000. We are in the process of combining our finances and both of us have a ?problem? credit card. My card is at a $4,000 with an APR that would make you fall of your chair, and her card is at about a $5,000 balance with around a 12% APR. We are spinning our wheels on making payments, barely paying more than the interest charge monthly.
She has a very stable job at this point and I?m currently in a temp position while taking classes so my employment is currently not very stable. The reason I bring that up is because I am a little shaky taking unsecured debt and putting it on my home, but the money we would be saving a month is without question. My plan was to obtain a 10,000 Home Equity Line of Credit (currently at about 4.0% in our area) and paying off and closing both credit cards so we could not be enticed to use them again. I know I would take a credit hit since I have had the card for a long time but I already have a home and a car so I don?t think it bothers me that much.
- Alan
That?s probably the best plan overall.
The home equity loan has the risk that you?re using your house as collateral. With the credit card debt, there really is no collateral (other than your credit score), so nothing directly painful can really happen if you default. With a home equity loan, if you default, you might face foreclosure.
If the move significantly trims your monthly payments, it is still probably the right move to make, though, as it secures your month-to-month financial position.
Q10: Simple game for couple
My wife and I often play card games in the evenings, but we really feel like we?ve exhausted most of the good two player card games with a deck of cards. After all, we?ve played a card game or two most nights of our five year marriage!
Do you have some suggestions of really good inexpensive two player games that are easy to learn? Also, we don?t want games that are too long like Monopoly which never seems to end. I know you and your wife play a lot of games so I was hoping for some ideas for something we could play a bunch of times in the evenings.
- Leon
My wife and I play a lot of games and we have our favorites. However, if you?re looking for something straightforward that isn?t too long, I have a few ideas for you.
If you guys like card games, I would suggest Lost Cities. It?s something of a set collection game (vaguely like rummy) with five suits and some really interesting twists.
If you want a game you can play with the two of you, but also play with some others, I would highly suggest either Ticket to Ride or Carcassonne. Both are tons of fun with two players, and work well with any number up to five players.
Got any questions? Email them to me or leave them in the comments and I?ll attempt to answer them in a future mailbag (which, by way of full disclosure, may also get re-posted on other websites that pick up my blog). However, I do receive hundreds of questions per week, so I may not necessarily be able to answer yours.
Source: http://www.thesimpledollar.com/2012/02/16/reader-mailbag-novel-writing-update/
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