Saturday, March 31, 2012

Carnival of Financial Planning - My Personal Finance Journey


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Carnival of Financial Planning - Edition #230 - March 30,?2012

Welcome to the March 30, 2012 Edition #230 of the Carnival of Financial Planning!


The Carnival of Financial Planning takes a long-term view of personal financial planning for individuals and families. The focus is on efficient and sustainable personal financial planning practices that can lead to lifetime financial security.?

This edition is arranged by subject heading, so that you can browse efficiently.

Enjoy!


Budgeting and Economics



Justin presents What Should You Try Before You Take Out a Loan? posted at Budget Snob, saying, There are some situations in which taking out a loan is appropriate, such as buying a house or a car. However, in other situations, loans may not be the best choice. Before you take out a loan, its important to look at your options.

Chris presents The Recession Generation posted at Experiglot, saying, We really are the recession generation.

Tim presents 5 Business Lessons Learned from Monopoly posted at Faith and Finance, saying, Monopoly is good family fun and all, but its also a crash course in business. Here are 5 business takeaways you can learn from the old game Monopoly.

Janet presents Living expense tracking methods posted at Independent Financial Planner , saying, " Many people do not track their living expenses and do not understand the magnitude of their consumption. Failure to monitor your consumption expenditures means that they are flying blindly regarding their future finances. "

Darwin presents The REAL Inflation Rate posted at Darwin's Money , saying, Most Americans feel the government inflation numbers aren't representative of the real inflation they see year to year. Here's your solution.


Financial Planning



Craig Ford presents The Unpopular Truth About the Dangers of a Dave Ramsey Only Approach to Christian Finances posted at Money Help For Christians, saying, "Christians should consider paying attention to other financial authors as well."


Jeffrey presents Can We Stop Gushing Over Our Self-Affirming Financial Bull? posted at Money Spruce, saying, Did the title make you uncomfortable or defensive? Good, it's probably not new news to you that everything likes to read things that simply back up what they already think and do. Finances are no different. We like to have all the answers, and we like to be on the right track. Sure, there are little tweaks here and there but not too much to rock the boat.


Dave presents Passive Investing ? Active Investing ? Alpha Returns posted at Wall Street Nerds , saying, " The Old Testament of indexing is Burton Malkiel?s classic A Random Walk Down Wall Street, first published in 1973 by W.W. Norton and now in its ninth edition. For typical individual investors, without special access to information, it offers what is likely the best financial advice they will ever get: It is hard to consistently beat the market, especially after fees. A passive strategy will do better in the long run. "


Philip Taylor presents We Finally Completed Our Last Will and Testament, Living Will, and Durable Power of Attorney posted at PT Money Personal Finance, saying, Discusses our personal estate planning, as well as our choice to pay a lawyer versus using a website such as Legal Zoom.


Jen presents Make Money While Drinking Beer? posted at Master the Art of Saving, saying, I started thinking about it - can you really make money while drinking beer? Yep, I've decided that it is quite possible for somebody to make money while drinking beer-- though most of these things can also been done by sober people.


Shaun presents What to Do If You are in a Car Accident posted at Smart Family Finance, saying, While being a party to a car accident might be outside your control, knowing what to do after a car accident will help keep you safe and potentially avoid you legal headaches down the road.


TSI presents Where?s Waldo? ? The illusion of superior professional mutual fund manager performance. posted at Skilled Investor Blog , saying, " If investment mutual fund managers were truly skilled at beating the market, then you would expect mutual fund manager performance prowess to persist over time. Unfortunately, the evidence indicates that superior past professional performance among mutual fund managers tends not to persist. Past superior mutual fund performance is simply not a predictor of future superior mutual fund performance. "


Everything Finance presents 7 Fun Ways to Teach Children to Save posted at Everything Finance, saying, Creativity is a child's bread and butter, so why not use that to your advantage to teach them about saving money? These clever tips are ideal for teaching your child how to make smart money decisions.


Kevin presents Would You Destroy An Entire Industry? posted at Thousandaire, saying, If you invented something that would benefit consumers immensely but would destroy an entire industry at the same time, would you release your product?


Eddie presents How Do We Measure Success? posted at Finance Fox, saying, Here's my two cents. Singularly education, money, cars and the circle of friends do not measure ones success. Success is measured with a combo of all the above four.


Income



Corey presents How To Make A Killing As A Bar Server posted at Bar Whiz Blog, saying, Although a tight fitting tank top and a pair of orange short-shorts won't hurt, showing skin is not the only way to make a killing as a server. Following these "tips", anyone can make a surprising long-term income from serving.


John presents Wage Slavery and Money Myths posted at Married with Debt, saying, Wage slavery, for some, is an everyday reality. For others, there's no such thing and work is a pleasure.


MR presents Can A Side Blogging Business Help You At Your Primary Job posted at Money Reasons, saying, Can working at a blogging side business help you at your employed day job? I think so and here is my story.


Daniel presents Salary vs Commission: Which Do You Prefer? posted at Sweating the Big Stuff, saying, Do you like working for commission? Do you prefer a salary? There are several compensation options and each has it's own advantages and disadvantages.


Insurance and Risk



Paul Vachon presents Saving Money on Home Insurance posted at The Frugal Toad, saying, There really are no secrets to saving money on home insurance. The trick is to include evaluating your insurance needs as a part of your yearly financial review. Most individuals don't do this and are losing out on potential savings. Here are some of the best ways to save money on home insurance:


Investing



Kanwal presents The Biggest Investment Mistakes Canadians Are Making posted at Simply Investing, saying, I was recently interviewed for this article by Cindy Waxer she writes for publications including Technology Review, The Economist, TIME, Fortune Small Business, and CNNMoney.com. Have a look. ManyCanadians are falling short of their investing goals.


Boomer presents Pros and Cons of Holding Your Mortgage in Your RRSP posted at Boomer & Echo, saying, One investment that is eligible to be held in your RRSP is your mortgage. You need to have enough cash, or assets that can be converted to cash, and hold your mortgage in a self-directed RRSP. You then make your mortgage payments to the RRSP instead of a financial institution.


Bobby Boughton presents Is it Better to Invest or Pay off Debt? posted at ReadyForZero Blog, saying, Ah the age old question: Is it better to invest or pay off debt? This article goes through a few scenarios and helps you decide which is the better route to go.


Dividend Growth Investor presents Does entry price matter to dividend investors? posted at Dividend Growth Investor, saying, "The reason for the lost decade in stocks is that many otherwise quality companies were overvalued in the early 2000s. For example Johnson & Johnson (JNJ) was trading at 29.30 times earnings in early 2000, whereas McDonald?s (MCD) traded at 26.90 times earnings. Even some of the best dividend stocks are not worth paying more than 20 times forward earnings."


Teacher Man presents ETF Investing Low Maintenance and Stellar Returns posted at My University Money, saying, So the big day is finally here and we are ready to unveil our eBook the world. A huge thanks goes out to all of the great help Ive had building and marketing the eBook! Without further ado.


Mike presents What You Need To Know About ETF Investing posted at The Dividend Guy Blog, saying, Everything you need to know on the topic.


Managing?Debt




Steve presents 10 Things You Can Do to Get Out of Debt Starting Today posted at Money Infant, saying, Are you always wondering why you can't get off the debt treadmill and live a satisfying life without constant money worries? 10 things to help get out of debt


Martin presents Do You Know Who Has Your Credit Card Number? posted at Studenomics, saying, The scary possibility of credit card fraud.


Real Estate



A Blinkin presents Should Homeownership Still Be The American Dream? posted at Funancials, saying, This was initially a guest post I wrote for Sam at Financial Samurai. Let me know what you think. There have been numerous studies performed over the years which clearly outline the social benefits of homeownership. In the mid-2000's it was nearly impossible to argue against the advantages of owning a home.


Little House presents Are Homeowners Really More Credit Worthy than Renters? posted at Little House in the Valley, saying, Aren't I, the renter, the more stable consumer than the homeowner who couldn't afford a home to begin with?! Don't my years of rental payments count for something! Why is it that rental payments?aren't?factored into credit worthiness and therefore counted towards my score?


Glen Craig presents What is Mortgage Amortization and How Does it Work? posted at Free From Broke, saying, People get confused when they hear the term Mortgage Amortization. Don't be. It's not that confusing. See what mortgage amortization is and how it works.


Retirement



FMF presents Determine Your Retirement Number?posted at Free Money Finance, saying, The first step in determining how much money you will need to save for retirement is to answer a few basic questions about your future. If you can answer these six questions accurately then your retirement savings number will also be accurate.

Madison presents Unveiling The Retirement Myth: Book Review posted at My Dollar Plan, saying, There are so many books about saving, investing, and building your portfolio, that it is rare to find a good book about spending down your portfolio, or the distribution stage. The book Unveiling The Retirement Myth by Jim Otar does a great job on explaining the distribution stage, in detail, with actual numbers.


Savings



N.W. Journey presents Start Planning and Saving for the Holidays Now posted at Networth Journey, saying, "Discover why now is the best time to save for the holidays."


Ashley presents Saving For College; How to do it and why you shouldn't feel guilty for not posted at Money Talks Coaching, saying, Saving for college is a huge task. Not only does the cost rise faster than inflation you have a very short time frame in which to save.


Kyle presents How to Save 10 Percent on Your Grocery Bill Without Cutting a Single Coupon posted at The Penny Hoarder, saying, If you're someone who won't use coupons or you're somebody who uses coupons, but wants to save even more, I've got an unconventional way to cut the grocery bill.


Taxes



Cash Flow Mantra presents Update on Income Tax Situation posted at Cash Flow Mantra, saying, For those of you who might be unfamiliar with this part of my financial life, I owe some money to the IRS, and it is not just a little bit. I had to come up with another plan which involved borrowing money from individuals so I could avoid paying more taxes plus a nasty penalty on funds withdrawn from a retirement account. Yes, I am a little like Greece and kicking the can down the road, but I think that things will be getting better.


Money Cone presents Handling Royalty Trusts in Turbo Tax posted at Money Cone, saying, If you own Royalty Trusts in a tax-deferred account, you can skip the tax preparation step and unlike MLPs, owning Royalty Trusts in your 401K or IRAs wont trigger the dreaded UBTI. But if you happen to own them in a taxable account, be prepared to spend some time doing the tax math for each Royalty Trust you own.


Super Saver presents Where's My Refund? posted at My Wealth Builder, saying, "Despite getting a refund this year, I have not filed and therefore know why I haven't received a refund. However, for many that have filed, their refunds have been delayed."

That concludes this edition.?Submit your blog article to the next edition of Carnival of Financial Planning using our carnival submission form. Past posts and future hosts can be found on our blog carnival index page.

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Arizona unemployment rate remains at 8.7 percent

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Friday, March 30, 2012

Video: Hardball - Thursday, March 29

Staff Sgt. Bales' attorney claims 'information blackout'

An attorney for Staff Sgt. Robert Bales, who has been charged with killing 17 Afghan civilians in two villages, said Friday that the defense team is ?facing an almost complete information blackout from the government."

Source: http://www.msnbc.msn.com/id/3036697/vp/46898013#46898013

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Childhood Obesity: A Double Standard for Public Schools and ...

My children, are far from obese. ?I would even venture to say, that my oldest two aren?t even overweight. ?According to Fort Bend ISD in Texas, I am wrong.

Kylie, our 13 year old daughter, asked me last night, if she was overweight. ?I looked at her really funny and told her ?no way!? ?But then, I wanted to know why she felt that way. ?Kylie is very self conscious. ?As a victim of past bullying (unrelated to weight), Kylie has put a lot of time and effort into her appearance and health. ?She has seen how mean kids can be, and she stays active, places concern with portion control, and keeps up with herself so that she doesn?t fall victim again.

Apparently, her gym coaches were doing the Body Mass Index screening, and they told her she was overweight. ?This bothered her so badly, that she pulled me aside, whle in the comfort of her own home, away from her brothers and dad, to ask me if she was overweight.

Isn?t that sad?

Meet Braxton. ?He?s our 7, almost 8 year old kiddo. ?His stature is the smallest of our four kids. ?His school says he?s almost obese.

?

// ]]>

I got a letter from his school yesterday ? 6 months after screening, might I add?

Dear Parent/Guardian,

Your student, (HIS FULL NAME), was measured for height and weight on 9/29/11 as part of the campus regular health screening. ?The height and weight measurements is used to determine a body mass index or BMI. ?BMI is used by doctors and nurses to help identify underweight, normal weight, overweight, and obese children. ?The percents used are below:

  • Underweight BMI less than 5%
  • Within Normal Range BMI 5% to 84%
  • Overweight BMI 85% to 94%
  • Obese BMI greater than or equal to 95%

Your child?s results showed:

  • Height: 50.25
  • Weight: ?67.60
  • BMI-for-age: 93.06%

The letter then goes on to say that there are, in fact, other factors like sports activities and family history, that can increase the BMI for kids, so take them to a health care provider to find out if they are in a healthy range or not, but that?s not my concern.

I?m bothered by this screening, not because I don?t think that childhood?obesity?is a noteworthy cause, but because I don?t believe that a BMI (which as stated is an extremely unreliable measurement of ?a person?s healthy weight status) should define a child, or label them at such an early age.

// ]]>

Suddenly, this study by CCTS means nothing to me:

Currently, 58% of adults and 39% of children are classified as overweight or obese in the Greater Houston community.

If my child is in that classification, then this number is far from off.

I want to know why I am expected to make changes at home, when my child is at school for more waking hours than he is home? ?Really, this isn?t just about me. ?It?s about everyone in America who sends their kids to public schools.

We try to provide healthy, well balanced meals here at home (although Braxton is our pickiest eater!). ?We send our kids to school with a sack lunch every day because the food served in the cafeterias include pink slime, ice cream bars,?Gatorade, cookies, high sodium, pre-packacked foods, and more. ?Not to mention what is being eaten in the classrooms as ?rewards? for doing the right thing (what happened to just DOING the right thing because it?s the right thing?). ?Braxton has come home several times with mini-candy bars or gum for various reasons.

Where is Jamie Oliver?s School Food Revolution when we need him!?

I also got a letter in his backpack, yesterday, that I owe the cafeteria money. ?Apparently, Braxton forgot his lunch one day and had to eat at school. ?The invoice is for $4.00. ?How, in the world, can a child, who does not have a lunch account set up at school, rack up a $4 lunch in on sitting? ?I?ll tell you how. ?Everything he purchased that day were a la carte items which included ice cream and chocolate milk. ?What happened to a PB&J and calling it even?

As far as physical activity goes, let?s not forget what the standard punishment is, for a parent not signing the daily planner, not?completing?homework, or not reading for their allotted minutes the night before. ?In our elementary, it?s?sitting out for a certain amount of time at recess. ?Think about that. ?Not only are kids getting LESS THAN 30 minutes a day, in some cases, for structured physical activity, but their free play is often taken away as punishment for some things that are out of their control.

From American Alliance for Health, Physical Education, Recreation, and Dance:

Texas mandates at least 135 minutes of moderate or vigorous structured physical activity per week in elementary school (grades K-5, or K-6, depending on the district), but it does not required daily recess. Full day kindergarten students, and to the extent practicable, PK students in half day programs, are to participate in moderate or vigorous physical activity for 30 minutes each day. The state also mandates at least 30 minutes per day of structured moderate-to-vigorous structured physical activity in junior high (grades 6-8 or 7-8, depending on the district).

So, Fort Bend ISD, I ask YOU ? What changes are YOU going to make in eating, physical activities, and other areas to help make our children more healthy?

// ]]>

Thursday, March 29, 2012

Trial of militia group may end with deal on minor charges

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Source: http://news.yahoo.com/trial-militia-group-may-end-deal-minor-charges-081834123.html

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FTC, RockYou settle over exposed email passwords

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Source: http://news.yahoo.com/ftc-rockyou-settle-over-exposed-email-passwords-213757103.html

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Home Improvement in room lighting effect | kylebotha.com

Home Improvement in room lighting effect is attempted use of wall art in a room of the house to suit room conditions. With proper lighting and more efficient, the formation of wall art will look more leverage and can also create effects in the room of the house will be different. Indeed, if the proper selection of lighting from high-quality lights that will be felt more comfortable atmosphere and romantic evening. So through the Home Improvement, Business, Tips from kylebotha.com this, keep in mind is to choose high-quality light, temperature regulation and direction of the beam illumination, and it is hoped will result in a more quiet room with a comfortable atmosphere better.
So not only that, the lighting is focused on wall art, will automatically expose objects of art or decoration in the room, thus forming a room that looks pretty even lighting it at night, for the determination of light, spot light or general light it all depends on the object that hit the lights. There?s also been pretty quiet space with color and detail clearly visible. Therefore, without having to use a strobe light wall art can perform and stand out as forming a more beautiful space with proper lighting effects and accurate.

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Wednesday, March 28, 2012

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Mad Maks? Nope, 'DWTS' pro 'knows the score'

Adam Taylor / ABC

"Dancing" pro Maks kept calm as the judges nitpicked his partner Melissa Gilbert's first performance on March 19.

By Ree Hines

As many "Dancing With the Stars" fans -- including yours truly?-- noticed last Monday night, hoofer hopeful Melissa Gilbert endured unusually tough criticism and low scores after putting on a strong first dance of the season. And that hardly seemed like random ballroom happenstance, given that her partner is Maksim Chmerkovskiy -- aka the easy-on-the-eyes pro who's had anything but easy relations with the judges over the past few seasons.

So, if the early bout of nitpicking and questionable scores came across as unfair to some outsiders, then surely the man sometimes referred to as ballroom's bad boy was mad about it. Right?

Wrong.

"He wasn't that angry -- at least not visibly," a show insider revealed to TODAY.com. "(Maks) kept his cool. He just shrugged it off and said, 'It is what it is.' He understands how the judges regard him. He knows the score."

The score, according to the source, is that while the judges consider themselves impartial, Maks, and his partner du jour, might just have a harder time pleasing them than a seemingly preferred pro such as Derek Hough or Kym Johnson. After all, past problems aren't so easy to forget.

"Carrie Ann (Inaba) was genuinely offended by some of his comments -- on and off the show-- last season. But in (Maks') defense, he was offended by her comments (about partner Hope Solo's performances), too. And (Len) Goodman has had his own issues with him," the insider told us.

As for judge Bruno Tonioli, he's said to be a "bit more neutral."

Well, there's that. But what about the powers-that-be-behind the scenes? Do the producers have a problem with the pro?

"No," the insider insisted. "They love what he brings to the show."

Of course, despite Maks' comments last season, in which he declared that it was his show -- not that he meant it that way -- there are others on the dance floor this season -- like the stars. And so far, according to the source, they seem to be a friendly, scandal-free bunch.

"It's a good group of people" the show source told us. "Everyone likes each other. No scandals, no problems.?... I think the press tried to stir up a scandal about Sherri (Shepherd), saying she cheated, but I've seen no signs on anyone actually taking stock in that talk."

Are you looking forward to a drama-free season, or do you think Maks -- or maybe someone else -- will add some unchoreographed excitement to the show? Share your thoughts on our Facebook page.

Do you think the judges are holding grudges against Maks?

?

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Source: http://theclicker.today.msnbc.msn.com/_news/2012/03/22/10817025-mad-maks-no-the-dancing-with-the-stars-pro-knows-the-score

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Sunday, March 25, 2012

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Woman to wed slain French soldier posthumously

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Source: http://news.yahoo.com/woman-wed-slain-french-soldier-posthumously-111946140.html

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BATS Pulls IPO and Dow, S&P Have a Down Week

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Friday, March 23, 2012

Kids - Keeping Them Safe And Happy On The Water | Content for ...

Author: Simon White | Total views: 156 Comments: 0
Word Count: 908 Date:

Taking the kids out on a sailing trip with you is more than just showing them the ropes. You will need to make sure you keep them safe and entertained. Taking the kids out should not be a chore, but a fun, family day out.

The two main goals should obviously be to keep the kids safe, and keep them happy. Anyone who has had children will probably agree that if they are happy, you are happy.

Here are a few ideas which may help when planning a boating holiday with the kids.

Safety

The wearing of life jackets should be mandatory when on deck at any time (even when moored up). If you wear yours with pride, they won't feel different and singled out. It is best if the children have their own life jackets which fit well and that they like wearing.

Life jackets should always be worn when travelling in the tender. Life lines should also be attached if you have toddlers on board who are unsteady.

Netting can be strung round the boat to improve safety but it must not be relied on too heavily.

An extra adult on board is useful to keep and eye on adventurous toddlers especially when mooring up, coming in and out of harbour, or performing a tricky manoeuvre. Teach them simple rules such as - one hand for you and one for the boat - no running or jumping.

Watch the sun and the wind and protect them with hats, strong sun cream and light cover ups.Remember that on the water the effects will be much greater than on land, especially on delicate skin.

Have a good quantity of wet wipes, mosquito spray and antihistamine cream with you especially when you go ashore.

Make sure they have sensible non-slip shoes.

Get them familiar with the boat before you set off, but don't bombard them with science and a list of rules. Introduce them gently in an interesting way.

Do make them aware of any dangers, but beware of practical demonstrations. I had a boom dropped on my head by a well meaning skipper.

Teach them how to behave on a pontoon and in a dinghy, especially getting in and out.

Remind children that the skipper's command must be obeyed immediately, whether they are a parent or not.

A good knowledge of water safety is a useful tool to work on before they start their holiday, as well as an idea of how to behave on a boat.

Remind them that although water is fun, it is also dangerous and usually very cold.

For older children, a sailing course before their holiday could be beneficial. There are courses specifically aimed at children.

Practice "man overboard" drill, so that both the adult crew members and the children are confident that they can be picked up if the worst happens.

Peace of mind

Try to organise the days so that you and your partner or spouse take equal responsibility in the child minding (as much as is possible) so that one person is not "stuck down below" with the kids for the majority of the time.

Often the boats motion is soporific and will encourage young children to sleep. But remember if they sleep a lot during the day, they may be reluctant to settle down at night.

Give them their own bit of space on the boat and take favourite toys, games, colouring books, DVDs, play stations etc. to keep them occupied.

Take plenty of non-spill drinks and snacks with you.

Teach them how to use things properly, such as the toilets. "Don't put anything in the toilet you haven't eaten first".

Give them simple tasks so they feel they are part of the crew.

Don't be too ambitious about passage plans and try to stop at lunchtime to break up the day.

Do plenty of interesting things like swimming, picnics, going ashore.

Let young children pretend to steer the boat, sitting on Mum or Dad's knee, in calm conditions. Older children can be given simple tasks like steering the boat towards a point on the horizon, or staying on a compass setting, spotting buoys, tending the dinghy, making entries in the log, practicing knots.

They could be encouraged to write their own ship's log, not with things like wind speed and compass heading, but including interesting things they have seen or done each day.

Older children will probably be interested in some aspects of how a boat works. Try to find some areas that they are interested in and find the time for explanations and demonstrations.

Alright - I know that a lot of items on this list are common sense, but nevertheless they might be worth thinking about, especially if you are new to boating or haven't taken children with you before. Just remember, the children should be adding to the experience, not getting in the way. So if you find that the latter is the case, maybe you should wait until they are a bit older. Good luck and happy boating!

TheYachtMarket has thousands of boats for sale and charter all over the world. If you're a boat owner and wanting to sell your boat privately you can upload your boat details and place an advert. TheYachtMarket also has trade memberships available for boat and yacht brokers to advertise their boats too.

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1: How Seiko Kinetic Watches Compare With Citizen Eco-Drive For Divers

Both these companies make great products, but they do so utilizing completely different technologies So which is best, and further more which is the better choice when considering purchasing a dive watch

2: The Role of Agility Training for Tennis Players

Agility is such an important component when it comes to an athlete being fast. Tennis requires the athlete to be fast over short distances, in multiple directions and have the ability to develop explo

3: Which Tennis Strings Will Take Your Tennis Game to the Next Level

Strings have been one of the hottest topics of discussion on the pro tour in recent years. Most specifically how the Luxilon strings have become such powerful method of improving player performance.

4: List of Famous Horse Races of All Time

There are many horse races, but there are also horse races that are famous. With the growth of this sport, a lot of horse races will push through. But for now, is the famous horse races.

5: What 2008 Snowboard Binding is Right for You?

It is recommended that you buy boots before purchasing a pair of snowboard bindings. Finding the best-fitted boots makes it easier for you, since you can fit your snowboard bindings snugly without worrying about the shoes being too big or too small.

Source: http://www.content4reprint.com/recreation-and-leisure/sports/kids-keeping-them-safe-and-happy-on-the-water.htm

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Thursday, March 22, 2012

Study Auto Insurance Quotes for Comprehensive Coverage | Online ...

Auto insurance quotes have become prime concern for car owners when they search affordable auto to insure their vehicles or cars. No doubt, studying or comparing auto quotes is an ideal formula to get the right deal. If you are planning to find an auto policy with substantial coverage on lower premiums, then you have to take cautious and prudent steps to get the best and affordable insurance quotes from providers.The most important thing is that a car owner must understand his or her requirements prior to let an insurance company insure his/her car. Subsequently, you can come in touch with companies to know about the latest insurance plans available to them. The study helps you compare several auto quotes and the types of coverage that various plans offer. Today, you can come across innumerable companies offering full coverage on auto plans provided that indemnification of insurance plans can be bestowed to claimants under the terms and conditions drafted by them. This indicates that an auto plan featuring ?full coverage? does not mean that the provider will not take the responsibility to compensate each and every mishap that may face by you or your vehicle.
Looking for the auto policy with constraints and exclusions is hardly possible. The coverage of an auto is fixed by the insurance company after reveiwing the condition of the insured vehicle. In fact, what matters most is the maintenance of the vehicle and any inattentiveness found from part with regard to maintenance may abstain you from getting indemnification. So, it is advised to read the terms and conditions of an auto plan minutely along with emphasizing on its restrictions and exclusions prior to deposit the premium.
It is pertinent to note that the auto policy with full coverage is an indication that the plan includes insurance for guilt, collision, complete coverage, towing, rental compensation, roadside help, coverage for uninsured and under-insured motorist, and coverage for medical payments. In addition, the full coverage auto policy has the leverage to compensate the loss on property damage and bodily injury. With the availability of online auto insurance providers, getting accessibility of auto quotes and compare them to choose the best is hassle-free and comfortable.
A comprehensive study on several insurance quotes and the types of coverage that various auto insurance plans offered helps you get the best plan. As far as the availability of the low cost auto insurance is concerned, the insurance market accommodates hordes of auto insurance policies of lower premiums with maximum coverage.

This entry was posted in Auto Insurance. Bookmark the permalink.

Source: http://online-insurance-auto.com/?p=377

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Top Four Guidelines of Strategic Small business Consulting ? The ...

The key to the results of any business, small or big, is having a strategy. An agenda that states just what a company is working in the direction of and what it must do and keep undertaking to get there. Many organisations cannot conduct your in-depth analysis required to generate this strategy for all features in their business and thus seek strategic small business consulting from folks who can.

Strategic organization consultants thus need to be able to understand and pay attention to a business better than owners themselves. They need to receive a complete grasp of the items the business is. Marketing and advertising Strategic Business Consulting firms way too, require a similar being familiar with and grasp from the company as they are also planning for the future of an organization.

The Principles

The 1st principle thus turns into that when you are planning a method of the company you have to know that company and this business inside and out. You ought to have thorough knowledge of -

? What that firm does,

? Who are individuals that it does it with regard to &

? What is it that makes these individuals different, what is their USP?

The second principle is to know the business sector in which that company works. You will have an acute perspective of history and future movements of that business market. It is only if you know the that you can plan for the longer term.

The third principle is to find the current management trends and without hesitation point out the weaknesses and rectify these. Know -

? Bed mattress the cash flow been able, how should it be handled,

? How are the staff members managed, how once they be managed,

? How can they manage purchaser expectations?

The fourth principle is all about the mindset that a strategic enterprise consultant must have and should be able to instill in the company that takes the session. It is the attitude which will allow for both realistic and daring goals being set and create the particular mindset required to be able to achieve those ambitions.

An attitude of perseverance and integrity is definitely requires for a method to be successfully used. Applying a new approach and making changes will be met with various hurdles. These obstacles need to be crossed regardless of what. It requires a go getter perspective to go through with a strategy and stick to it. To be sure that the attitude will get positive reinforcement established both short term along with long term goals.

Eventually neither the advisor nor the company must be daunted by anything at all. Fearlessly put both her out there in the market and the working environment to meet up with your goals. Pursuing these will mean good results for both business and consultant.

For more information about Strategic Business Consulting visit our website.

Source: http://www.thedailydowner.com/top-four-guidelines-of-strategic-small-business-consulting/

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Wednesday, March 21, 2012

Agricultural Gear Leasing Drives Present day Farm Economics ...

? five Guidelines for Outstanding Pet Health

Farming and Finest Practices in Australia ?

Mar
20

  • Equipment

Source: http://www.fermefestival.org/agricultural-gear-leasing-drives-present-day-farm-economics

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Many companies industry dancing clothes costumes and wool tepid up clothing as professional ballet dancers and students of ballet. Ballet dancers commonly wear either tights or leotards as comfortable body maneuver. The tights worn depend aboard the type of slippers that the dancer wears. They can be footed with one elastic strap by the foot that namely hooked onto the heel. Tights can also be footless ending along the ankle. Ballet tights are made of nylon,air max sale,mini fiber,ferragamo outlet, fishnet and other materials. Tights come in a diversity of colors,air max outlet, with the most new being pink and black Most dancing schools oblige pink,air jordan shoes, footed tights as girls and African tights and pearly socks for boys. Brand labels include Prima Soft,air griffey max, Danskin,louboutin pumps, Capezio and Mondor.
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Source: http://asics.manablog.jp/archives/12097

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Tuesday, March 20, 2012

Fresh Android Apps for Mar. 20: Bobsled Calling for Tablets, Fitbit, Spit?em All

It?s officially spring! Prepare for some serious attitude adjustment by downloading some fresh Android apps. Make voice-over-IP calls using Bobsled Calling for Tablets, get in shape with Fitbit, and let one fly in Spit?em all ? Free.

Need more options for communicating? Bobsled lets you call or text chat with others on Android devices, or using an iPhone, iPod or iPad over Facebook. Better still, the people you reach out to don?t need to have any phone number.

This app comes optimized for big-screen Honeycomb Android tablets. Early reviews say the design works well. It uses your Facebook account to gather a list of your friends and your friends? Facebook walls as the place to post your Bobsled voice messages.

Getting into shape and losing weight requires a plan. It also helps to note down your progress toward your goals. Enter Fitbit. This app aims to track both your food intake and, with the purchase a separate tracker device, your body motion.

Enter the food you eat and the app will count the calories for you, then show you how many remain before you reach your daily goal. Review your day?s meal specifics and view a thermometer of how much water you consumed.

Buy a wireless 3-D Fitbit Tracker and the app will show you how many steps, general movement, and activity level you attain on a daily basis.

If for nothing else, this game gets points for originality. Main character Johnny, a hormonal youth, wakes up in a bad mood and decides to take his angst out on the world below his urban dwelling by spiting out the window.

You slide Johnny back and forth along his windowsill and set the power of each spit so that it lands on cars, buses, taxis, and pedestrians on the street floors below. Make the mistake of spitting on a passing police car and you?ll be ?busted!? with an end of game. Expect cool graphics, easy controls and low-brow humor.

Source: http://www.androidapps.com/tech/articles/11404-fresh-android-apps-for-mar-20-bobsled-calling-for-tablets-fitbit-spitem-all

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Study of 'meth babies' finds behavior problems

(AP) ? The first study to look at methamphetamine's potential lasting effects on children whose mothers used it in pregnancy finds these kids at higher risk for behavior problems than other children.

The behavior differences ? anxiety, depression, moodiness ? weren't huge, but lead researcher Linda LaGasse called them "very worrisome."

Methamphetamine is a stimulant like crack cocaine, and earlier research showed meth babies have similarities to so-called "crack babies" ? smaller in size and prone to drowsiness and stress. Results in long-term studies conflict on whether children of cocaine-using mothers have lasting behavior problems.

Whether problems persist in young children of meth users is unknown. But LaGasse, who does research at Brown University's Center of the Study of Children at Risk, said methamphetamine has stronger effects on the brain so it may be more likely to cause lasting effects in children.

The study was published online Monday in Pediatrics. The National Institutes of Health paid for the research, including a grant from the National Institute on Drug Abuse.

Government data suggest more than 10 million Americans have used meth; fewer than 1 percent of pregnant women are users.

Joseph Frascella, who heads a behavioral division at the National Institute on Drug Abuse, said the research is among "groundbreaking" studies examining effects of substance abuse during pregnancy.

But because the study is a first, the results should be viewed cautiously and need to be repeated, he said.

The study of children tracked from age 3 through 5 builds on earlier research by LaGasse on the same group ? 330 youngsters tracked in the Midwest and West, areas where meth use is most common. Mothers were recruited shortly after giving birth in Des Moines, Iowa; Honolulu, Los Angeles, and Tulsa, Okla. They were asked about prenatal meth use and newborns' stools were tested for evidence of the drug. Effects in children exposed to the drug were compared with those whose mothers didn't use meth. Both groups were high-risk children, with many living in disadvantaged homes.

Mothers or other caregivers completed a widely used checklist asking how often kids showed many kinds of troublesome behavior.

At age 3, scores for anxiety, depression and moodiness were slightly higher in meth-users' children. These differences persisted at age 5. The older children who'd been exposed to meth also had more aggression and attention problems similar to ADHD, attention deficit hyperactivity disorder. Mothers were asked about symptoms, but not if their kids had ever been diagnosed with behavior disorders.

More than half of the mothers who'd used meth during pregnancy also used it afterwards. These women also were more likely to use other drugs during and after pregnancy and to be single mothers. But the researchers said accounting for those differences and others in the two groups' family lives didn't change the results.

___

Online:

American Academy of Pediatrics: http://www.aap.org

NIDA: http://www.drugabuse.gov

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/3d281c11a96b4ad082fe88aa0db04305/Article_2012-03-19-Meth-Pregnancy/id-ae1c47b75c414465966a54ff00a741b9

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