Tuesday, August 30, 2011

Don't quit your day job

Don?t quit your day job just yet. If you are a baby boomer looking to start a home business, there are 5 essentials things you must do first before starting your home business.

Leaving the security of a job with established 401(k) plans, health insurance or other benefits can create a real tug of war for baby boomers who want to pursue their dreams of owning their own business.

Analyze Your Exit Strategy

At the time of this writing, the youngest of the baby boomers are turning 42 and the oldest are turning 60. No matter where you fall into this group, analyzing and preparing your exit strategy from your job will be crucial to your long-term success as a home business entrepreneur.

Create a Financial Plan

How much is your salary now? What are your fixed, variable and frivilous expenses? Creating a solid plan so that you and your family will know exactly what the financial picture will be until your business gets off the ground.

Choosing a Business Model and Legal Entity

There are several business models to choose from; home party plans, consulting, and affiliate marketing to name a few. Choosing a legal entity for your business should be discussed with a tax accountant or your attorney.

Set Business Benchmarks

You wouldn?t travel across the country without a road map, your business is the same. Setting benchmarks will help you to create a focused plan that will help you to reach your success.

Get a Physical

What does getting a physical have to do with your business? Once you leave your job, most likely your health insurance will change. While pursuing your dreams of a home business is something you are probably very passionate about, it you do not have good health to enjoy the rewards of your efforts, then not much else is important.

The baby boomer generation is like no other before it or after it. Technically, we are considered middle-aged, but we are anything but middle-aged in mind, body and spirit. We know there is more meaning to life than a commute to an unrewarding 9-5 job, but there are also important steps we must take first.

To learn more, have a look at youth ministry and youth ministry games.

Source: http://www.articleinsta.com/dont-quit-your-day-job-2.php?utm_source=rss&utm_medium=rss&utm_campaign=dont-quit-your-day-job-2

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Monday, August 29, 2011

neualtenburg.info ? Business Code of Ethics

[unable to retrieve full-text content]In the konferencje zakopane motion picture 'Billy Madison', the antagonist Eric is ironically asked a question on ' Business Ethics' in the contest to decide the successor for the business empire. As he jeopardizes to reply it ...

Source: http://neualtenburg.info/?p=469

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Chicago Real Estate Investment | Equifax Personal Finance Blog ...

If you?re an investor in the Chicago real estate market, you probably remember the days when you could buy a home, fix it up a little, and flip it for a nice profit. This ?strategy? was used by many investors and homes were selling like hotcakes. Of course, before the market collapse, demand was high and loans were plentiful. Part of that demand was created by people transitioning from renting to owning.

Anyone reading real estate headlines today knows that this scenario doesn?t really hold true today. On the Equifax Personal Finance Blog, real estate investor and RealtyJoin.com co-founder Andy Heller discusses the need for today?s investors to change tactics. His article, ?Prepare Your Real Estate Strategy Before You Buy,? examines how the market has changed and how to be successful even in today?s economy.

According to Heller, more people are looking to rent than own. In fact, he reports seeing projections of up to 5 million new renters within five years. Because of this shift, Heller suggests that investors become landlords. If the thought of dealing with tenants sounds like a persistent headache, lease options may be the way to go. With lease options, there are several advantages, including the potential for the renter to buy the home after a set time period.

Because these types of agreements put the responsibilities of upkeep and repairs on the renter, playing landlord may not be as bad as you think. Plus, the potential for homeownership means your renters may take those responsibilities more seriously.

To read more of Heller?s thoughts on real estate investment, visit the Equifax Personal Finance Blog.

Source: http://www.chicagolandrealestateforum.com/2011/08/28/chicago-real-estate-investors-changing-strategies/

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Sunday, August 28, 2011

Stanford researchers invent sutureless method for joining blood vessels

Stanford researchers invent sutureless method for joining blood vessels [ Back to EurekAlert! ] Public release date: 28-Aug-2011
[ | E-mail | Share Share ]

Contact: John Sanford
jsanford@stanfordmed.org
650-723-8309
Stanford University Medical Center

STANFORD, Calif. Reconnecting severed blood vessels is mostly done the same way today with sutures as it was 100 years ago, when the French surgeon Alexis Carrel won a Nobel Prize for advancing the technique. Now, a team of researchers at the Stanford University School of Medicine has developed a sutureless method that appears to be a faster, safer and easier alternative.

In animal studies, a team led by Stanford microsurgeon Geoffrey Gurtner, MD, used a poloxamer gel and bioadhesive rather than a needle and thread to join together blood vessels, a procedure called vascular anastomosis. Results of the research will be published online Aug. 28 in Nature Medicine. Lead authors of the study were Stanford postdoctoral scholar Edward Chang, MD, and surgery resident Michael Galvez, MD.

The big drawback of sutures is that they are difficult to use on blood vessels less than 1 millimeter wide. Gurtner began thinking about alternatives to sutures about a decade ago. "Back in 2002, I was chief of microsurgery at Bellevue in New York City, and we had an infant 10 to 12 months old who had a finger amputated by the spinning wheel of an indoor exercise bike," said Gurtner, senior author of the study and professor of surgery. "We struggled with reattaching the digit because the blood vessels were so small maybe half a millimeter. The surgery took more than five hours, and at the end we were only able to get in three sutures.

"Everything turned out OK in that case," he continued. "But what struck me was how the whole paradigm of sewing with a needle and thread kind of falls apart at that level of smallness."

Sutures are troublesome in other ways, too. They can lead to complications, such as intimal hyperplasia, in which cells respond to the trauma of the needle and thread by proliferating on the inside wall of the blood vessel, causing it to narrow at that point. This increases the risk of a blood clot getting stuck and obstructing blood flow. In addition, sutures may trigger an immune response, leading to inflamed tissue that also increases the risk of a blockage.

The new method could sidestep these problems. "Ultimately, this has the potential to improve patient care by decreasing amputations, strokes and heart attacks while reducing health-care costs," the authors write in the study.

Earlier in his career, as Gurtner contemplated a better way of joining together blood vessels, he considered whether ice could be used to fill the lumen, the inner space of the blood vessel, to keep both ends open to their full diameter long enough to glue them together. Not feasible, he concluded. "Water turns to ice quite slowly and you would have to drop the temperature of the surgical site a lot from 98.6 degrees to 32 degrees Fahrenheit," he said.

Shortly after arriving at Stanford in 2005, Gurtner approached fellow faculty member Gerald Fuller, PhD, professor of chemical engineering and the Fletcher Jones II Professor in the School of Engineering, about whether he knew of a substance that could be turned easily from a liquid to a solid and back to a liquid again, and that would also be safe to use in vascular surgery. Fuller immediately suggested a Food and Drug Administration-approved thermoreversible poloxamer called Poloxamer 407. It is constructed of polymer blocks whose properties can be reversed by heating.

Fuller teamed up with Jayakumar Rajadas, PhD, director of the Stanford Biomaterials and Advanced Drug Delivery Laboratory, to modify the poloxamer so that it would become solid and elastic when heated above body temperature but dissolve harmlessly into the bloodstream when cooled. The poloxamer then was used to distend both openings of a severed blood vessel, allowing researchers to glue them together precisely.

The researchers used a simple halogen lamp to heat the gel. In tests on animals, the technique was found to be five times faster than the traditional hand-sewn method, according to the study. It also resulted in considerably less inflammation and scarring after two years. The method even worked on extremely slim blood vessels those only 0.2 mm wide which would have been too tiny and delicate for sutures. "That's where it really shines," Gurtner said.

Dermabond, a surgical sealant, was used to attach the ends of the blood vessels together.

Poloxamers have been used before as a vehicle for delivering drugs, including chemotherapeutics, vaccines and anti-viral therapies. Researchers have used Poloxamer 407 to occlude blood vessels in experimental animals for the purpose of evaluating the gel's safety and efficacy in so-called "beating heart surgery," in which certain vessels need to be temporarily blocked to improve visibility for the surgeons performing a coronary artery bypass.

Although other sutureless methods have been developed, they generally have not produced better outcomes, the authors said. "Often, the use of microclips, staples or magnets is itself traumatic to blood vessels leading to failure rates comparable to or higher than sutured anastomoses," they wrote.

"This is a novel approach to anastomosis that could play a valuable role in microvascular surgery," said Frank Sellke, MD, chief of cardiothoracic surgery at Brown University Medical Center and associate editor of the Journal of Thoracic and Cardiovascular Surgery, who was not involved in the study. "But it really needs to show that it holds up in clinical trials."

The authors say further testing on large animals is needed before human trials can begin, but they note that all of the components used in the technique are already approved by the FDA. "This technology has the potential to progress rapidly from the 'bench to bedside,'" they write.

Gurtner said he believes the new technique could satisfy a huge unmet need and prove especially useful in minimally invasive surgeries, in which manipulating sutures takes on a whole new level of difficulty.

Michael Longaker, MD, the Deane P. and Louise Mitchell Professor in the School of Medicine and a co-author of the study, called the technique a "potential game-changer."

"When you're bringing together hollow tubes, whether they're large structures, like the colon or the aorta, or a small structure, like a vein in the finger of a child, you're always worried about lining them up directly and effectively sealing them," Longaker said. "The technique that Dr. Gurtner has pioneered could allow surgeons to perform anastomosis more quickly and with improved precision."

He continued: "Coming up with this solution was the result of the classic Stanford model of bringing together researchers from a variety of disciplines."

###

Other Stanford co-authors of the study were postdoctoral scholars Jason Glotzbach, MD, Kristin-Maria Sommer, PhD, Oscar Abilez, MD, PhD, and Cynthia Hamou, MD; medical student Samyra El-ftesi; and technician Travis Rappleye.

The work was supported by a Stanford Bio-X Interdisciplinary Initiatives Research Award and the Oak Foundation. Stanford University has patented the technology.

Gurtner and Longaker are also members of the Stanford Cancer Institute.

Information about the Department of Surgery, which also supported the research, is available at http://surgery.stanford.edu.

The Stanford University School of Medicine consistently ranks among the nation's top medical schools, integrating research, medical education, patient care and community service. For more news about the school, please visit http://mednews.stanford.edu. The medical school is part of Stanford Medicine, which includes Stanford Hospital & Clinics and Lucile Packard Children's Hospital. For information about all three, please visit http://stanfordmedicine.org/about/news.html.

PRINT MEDIA CONTACT: John Sanford at (650) 723-8309 (jsanford@stanfordmed.org)
BROADCAST MEDIA CONTACT: M.A. Malone at (650) 723-6912 (mamalone@stanford.edu)


[ Back to EurekAlert! ] [ | E-mail | Share 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.


Stanford researchers invent sutureless method for joining blood vessels [ Back to EurekAlert! ] Public release date: 28-Aug-2011
[ | E-mail | Share Share ]

Contact: John Sanford
jsanford@stanfordmed.org
650-723-8309
Stanford University Medical Center

STANFORD, Calif. Reconnecting severed blood vessels is mostly done the same way today with sutures as it was 100 years ago, when the French surgeon Alexis Carrel won a Nobel Prize for advancing the technique. Now, a team of researchers at the Stanford University School of Medicine has developed a sutureless method that appears to be a faster, safer and easier alternative.

In animal studies, a team led by Stanford microsurgeon Geoffrey Gurtner, MD, used a poloxamer gel and bioadhesive rather than a needle and thread to join together blood vessels, a procedure called vascular anastomosis. Results of the research will be published online Aug. 28 in Nature Medicine. Lead authors of the study were Stanford postdoctoral scholar Edward Chang, MD, and surgery resident Michael Galvez, MD.

The big drawback of sutures is that they are difficult to use on blood vessels less than 1 millimeter wide. Gurtner began thinking about alternatives to sutures about a decade ago. "Back in 2002, I was chief of microsurgery at Bellevue in New York City, and we had an infant 10 to 12 months old who had a finger amputated by the spinning wheel of an indoor exercise bike," said Gurtner, senior author of the study and professor of surgery. "We struggled with reattaching the digit because the blood vessels were so small maybe half a millimeter. The surgery took more than five hours, and at the end we were only able to get in three sutures.

"Everything turned out OK in that case," he continued. "But what struck me was how the whole paradigm of sewing with a needle and thread kind of falls apart at that level of smallness."

Sutures are troublesome in other ways, too. They can lead to complications, such as intimal hyperplasia, in which cells respond to the trauma of the needle and thread by proliferating on the inside wall of the blood vessel, causing it to narrow at that point. This increases the risk of a blood clot getting stuck and obstructing blood flow. In addition, sutures may trigger an immune response, leading to inflamed tissue that also increases the risk of a blockage.

The new method could sidestep these problems. "Ultimately, this has the potential to improve patient care by decreasing amputations, strokes and heart attacks while reducing health-care costs," the authors write in the study.

Earlier in his career, as Gurtner contemplated a better way of joining together blood vessels, he considered whether ice could be used to fill the lumen, the inner space of the blood vessel, to keep both ends open to their full diameter long enough to glue them together. Not feasible, he concluded. "Water turns to ice quite slowly and you would have to drop the temperature of the surgical site a lot from 98.6 degrees to 32 degrees Fahrenheit," he said.

Shortly after arriving at Stanford in 2005, Gurtner approached fellow faculty member Gerald Fuller, PhD, professor of chemical engineering and the Fletcher Jones II Professor in the School of Engineering, about whether he knew of a substance that could be turned easily from a liquid to a solid and back to a liquid again, and that would also be safe to use in vascular surgery. Fuller immediately suggested a Food and Drug Administration-approved thermoreversible poloxamer called Poloxamer 407. It is constructed of polymer blocks whose properties can be reversed by heating.

Fuller teamed up with Jayakumar Rajadas, PhD, director of the Stanford Biomaterials and Advanced Drug Delivery Laboratory, to modify the poloxamer so that it would become solid and elastic when heated above body temperature but dissolve harmlessly into the bloodstream when cooled. The poloxamer then was used to distend both openings of a severed blood vessel, allowing researchers to glue them together precisely.

The researchers used a simple halogen lamp to heat the gel. In tests on animals, the technique was found to be five times faster than the traditional hand-sewn method, according to the study. It also resulted in considerably less inflammation and scarring after two years. The method even worked on extremely slim blood vessels those only 0.2 mm wide which would have been too tiny and delicate for sutures. "That's where it really shines," Gurtner said.

Dermabond, a surgical sealant, was used to attach the ends of the blood vessels together.

Poloxamers have been used before as a vehicle for delivering drugs, including chemotherapeutics, vaccines and anti-viral therapies. Researchers have used Poloxamer 407 to occlude blood vessels in experimental animals for the purpose of evaluating the gel's safety and efficacy in so-called "beating heart surgery," in which certain vessels need to be temporarily blocked to improve visibility for the surgeons performing a coronary artery bypass.

Although other sutureless methods have been developed, they generally have not produced better outcomes, the authors said. "Often, the use of microclips, staples or magnets is itself traumatic to blood vessels leading to failure rates comparable to or higher than sutured anastomoses," they wrote.

"This is a novel approach to anastomosis that could play a valuable role in microvascular surgery," said Frank Sellke, MD, chief of cardiothoracic surgery at Brown University Medical Center and associate editor of the Journal of Thoracic and Cardiovascular Surgery, who was not involved in the study. "But it really needs to show that it holds up in clinical trials."

The authors say further testing on large animals is needed before human trials can begin, but they note that all of the components used in the technique are already approved by the FDA. "This technology has the potential to progress rapidly from the 'bench to bedside,'" they write.

Gurtner said he believes the new technique could satisfy a huge unmet need and prove especially useful in minimally invasive surgeries, in which manipulating sutures takes on a whole new level of difficulty.

Michael Longaker, MD, the Deane P. and Louise Mitchell Professor in the School of Medicine and a co-author of the study, called the technique a "potential game-changer."

"When you're bringing together hollow tubes, whether they're large structures, like the colon or the aorta, or a small structure, like a vein in the finger of a child, you're always worried about lining them up directly and effectively sealing them," Longaker said. "The technique that Dr. Gurtner has pioneered could allow surgeons to perform anastomosis more quickly and with improved precision."

He continued: "Coming up with this solution was the result of the classic Stanford model of bringing together researchers from a variety of disciplines."

###

Other Stanford co-authors of the study were postdoctoral scholars Jason Glotzbach, MD, Kristin-Maria Sommer, PhD, Oscar Abilez, MD, PhD, and Cynthia Hamou, MD; medical student Samyra El-ftesi; and technician Travis Rappleye.

The work was supported by a Stanford Bio-X Interdisciplinary Initiatives Research Award and the Oak Foundation. Stanford University has patented the technology.

Gurtner and Longaker are also members of the Stanford Cancer Institute.

Information about the Department of Surgery, which also supported the research, is available at http://surgery.stanford.edu.

The Stanford University School of Medicine consistently ranks among the nation's top medical schools, integrating research, medical education, patient care and community service. For more news about the school, please visit http://mednews.stanford.edu. The medical school is part of Stanford Medicine, which includes Stanford Hospital & Clinics and Lucile Packard Children's Hospital. For information about all three, please visit http://stanfordmedicine.org/about/news.html.

PRINT MEDIA CONTACT: John Sanford at (650) 723-8309 (jsanford@stanfordmed.org)
BROADCAST MEDIA CONTACT: M.A. Malone at (650) 723-6912 (mamalone@stanford.edu)


[ Back to EurekAlert! ] [ | E-mail | Share 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/2011-08/sumc-sr082611.php

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How do I begin an international teaching ... - Education Reference

Question by the_omz: How do I begin an international teaching career?
How do I go about becoming a teacher at an international school? I?m not talking about teaching English temporary. I?m talking about a permanent job, teaching at an international school in Asia.

Right now, I plan on going to grad. school for Education in August ?08.
After that, I?m clueless on how to go about doing this. Any suggestions?
THANKS!

Best answer:

Answer by sydneygal
these jobs are constantly advertised on pursue.com, try approaching consequentlyme of the agencies that deal with these positions for tips

Give your answer to this question below!

Source: http://www.qiyic.com/archives/2901

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Saturday, August 27, 2011

Couples tells Woods he's on Presidents Cup team (AP)

SNOQUALMIE, Wash. ? Fred Couples has told Tiger Woods that he decided to add him to the 12-member Presidents Cup team.

Couples took the drama out of the debate over whether Woods would be on the team, saying Thursday it's already a done deal.

"I've told him that he's going to be on the team," Couples said just before a practice round preparing for the Boeing Classic at TPC Snoqualmie Ridge. "There is no reason for me to wait till Sept. 26 to pick Tiger. He's the best player in the world forever."

Ten players automatically qualify for the team based on points accumulated over the past two years. Couples is then given two captain's picks to round out his squad, which will compete against a team of non-European International players at Royal Melbourne in Australia on Nov. 14-20.

Woods, who is 28th on the Presidents Cup list, had a long summer layoff because of soreness in his left knee and left Achilles' tendon. He played in two recent tournaments, finishing 37th in the Bridgestone Invitational in early August then missing the cut the following week at the PGA Championship.

Woods wrote on his website earlier this week that he had conversations with Couples about playing on the team and that "of course, I want to be on the team" that competes in Australia.

"Is he playing well right now? No. (But) he almost won (The Masters) four months ago so you don't do that by playing poor golf," Couples said. "In my opinion, when you're the best player in the world for 12 straight years and you're not on a team, there's something wrong.

"Everyone else can have their opinion, but as far as I know Jay Haas and myself are the captains and we want him on this team."

Haas is Couples' assistant captain for these matches.

Couples, initially unaware the Woods had not qualified for this week's FedEx Cup, told him by text message to find another tournament to play. Woods' next scheduled appearance is not until the Australian Open, the week before the Cup, although he said he might add a PGA Tour event to his schedule.

"He has responded to that. I'm pretty sure you'll see him one more time," Couples said. "That's enough for me. I know the last thing he wants to do is embarrass himself. I think he'll be ready to play. Does that mean he's going to go out and win every point? No, I don't expect that. But I expect him to be sharp and ready to play. I would be shocked if he's not."

Couples has requested that all his team members play in the Australian Open to sharpen their games before the Presidents Cup. The Australian Open is Nov. 10-13 at The Lakes near Sydney.

One of the players on the edge of the Presidents Cup standings is Bill Haas, son of Jay Haas. He is ranked 10th with a month to go before the Sept. 26 selection date. Jim Furyk and Rickie Fowler are 11th and 12th.

"I don't know how you can criticize someone for choosing Tiger Woods. If he goes there and doesn't play well I would be shocked. I have a pairing for him. He deserves to be on the team," Couples said. "There are guys who are 11, 12, 13 who are having phenomenal years. But you know they're picks. I could take the easy way out and just pick 1 through 12. I don't think if that works either. I think that's the easy way out."

Source: http://us.rd.yahoo.com/dailynews/rss/sports/*http%3A//news.yahoo.com/s/ap/20110825/ap_on_sp_go_ne/glf_presidents_cup_woods

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Evil Fiziks Lair update (Unqualified Offerings)

Share With Friends: Share on FacebookTweet ThisPost to Google-BuzzSend on GmailPost to Linked-InSubscribe to This Feed | Rss To Twitter | Politics - Top Stories Stories, RSS and RSS Feed via Feedzilla.

Source: http://news.feedzilla.com/en_us/stories/politics/top-stories/127458645?client_source=feed&format=rss

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Friday, August 26, 2011

Jaime Pressly pleads no contest to drunken driving (AP)

LOS ANGELES ? Actress Jaime Pressly has been sentenced to three years of informal probation after pleading no contest to drunken driving. Santa Monica Deputy City Attorney Melanie Skehar says Pressly's attorney entered the plea Thursday for the former star of "My Name is Earl."

Pressly was also ordered to attend a six-month alcohol education class. Skehar says the Department of Motor Vehicles is also requiring an ignition locking device be installed on her car.

Pressly was arrested Jan. 5 after police say she was stopped for a traffic violation and charged with driving while having a blood alcohol content of more than .20. The legal limit is .08.

Her attorney, Richard Hutton, did not immediately return a phone message seeking comment.

Source: http://us.rd.yahoo.com/dailynews/rss/celebrity/*http%3A//news.yahoo.com/s/ap/20110825/ap_on_en_tv/us_people_jaime_pressly

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Thursday, August 25, 2011

Will Libya help Obama in 2012? (The Week)

New York ? With rebels on the brink of ousting Libya's longtime despot, the war that dogged Obama for months might actually turn into a plus come election time

President Obama faced a lot of criticism, from both the Left and Right, over his decision?this spring to help spearhead NATO's military campaign in Libya. Now that the NATO-backed rebel army appears on the cusp of ending the 42-year reign of Moammar Gadhafi, critics are struggling to applaud the outcome without cheering the president or his strategy of "leading from behind." Will this?foreign policy victory help Obama convince voters that he deserves a second term?

Yes. Obama wins and his GOP rivals lose: Defeating a U.S. enemy who "outlasted Reagan and both Bushes," and with zero U.S. casualties, is not just a boost for Obama, says Tom Levenson at?Balloon Juice. It's also an embarrassment for his 2012 GOP rivals. After their incoherent and incorrect criticisms of Obama's strategy, it's clear that if you care about "a robust and effective foreign policy, there is not a single clown seeking your vote on the GOP side who would seem to merit your trust."
"Send in the clowns"

Voters care about their jobs, not Gadhafi's: Americans tell pollsters that their overwhelming concern is the economy, while the fighting in Libya barely registers, says Alan Silverleib at?CNN. "Translation: Who's up or who's down in Tripoli may not matter to someone who can't find a job in Dayton, Ohio." And while Obama may get a temporary boost ? just like he did after the killing of Osama bin Laden ? the president will also likely take a hit in the polls if things fall apart in post-Gadhafi Libya.
"Libya: Is Gadhafi's loss Obama's gain?"

But Libya is an economic win for Obama, too: If voters ignore the "constitutional gymnastics" Obama used to avoid a congressional vote on the war, says Dan Schnur at?Politico, ousting Gadhafi will be "a tremendous military and political victory." Voters don't care much about Libya, but they will care that the rebels' victory is bringing down oil prices. And "lower costs at the pump next spring and summer can't help but to help an incumbent president who could use some positive economic news."
"President Obama vindicated on Libya?"

View this article on TheWeek.com
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Source: http://us.rd.yahoo.com/dailynews/rss/oped/*http%3A//news.yahoo.com/s/theweek/20110823/cm_theweek/218474

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Legal Steps To Stop Paying Taxes | Operating and Financial Review

E??r wondered ?f th?r? ?? a way t? pay zero property tax? It ?? sometimes a pain ?n th? ??rt ?f real property owners t? pay h?g? sum f?r th??r property investments. B?t, ?? a law abiding citizen, ??? ?r? obliged t? follow. Anyway, taxes ?r? used b? th? government t? fund ?ll existing projects ?nd finance ?ll related operations. If ??? ?wn a property, ?t ?? ???r obligation t? pay taxes. Th??? taxes ?r? apart fr?m school ?r village taxes. Property taxes ??n b? called ?? land taxes. If ??? want t? f?r ???r properties, th?r? ?r? ??m? options ??? ??n consider.

Th? first option ?? t? sell ???r home. Absurd b?t literally speaking, wh? n?t sell ???r home ?f ??? don?t want t? pay taxes f?r ?t? Once ???r property ?? sold, th? n?w owner w?ll assume ?ll responsibilities regarding paying taxes. If ??? h??? a digit ?f properties, ??? ??n list th? ones ??? want t? sell th?n hire a ????ll?nt real estate agent. Once th??? properties ?r? sold, ??? ?r? freed fr?m continuous paying ?f taxes. Now, ?ll ??? h??? t? d? ?? maintain ?nl? properties th?t ??? ?r? m??t interested ?nd pay f?r th??r taxes. B? selling ??m? ?f ???r properties, ??? ??t down tax cost ?r ?f ??? sell ?ll ???r properties, ??? don?t need t? pay f?r property tax anymore.

Th? next step t? ?? t? rent t? ?wn th? property t? a tenant. Th?? way, ??? ??n keep ownership ?f th? property wh?l? th? tenant becomes responsible f?r paying ?ll taxes due ?n th? property. Th? tenant ?l?? assumes ?ll dependability f?r keeping homeowners indemnity ?f th? property. Once th? tenant fail t? m?k? payments ?r leaves th? property, ??? still keep th? ownership. Th?? now stops th? owners t? pay property taxes ?n vacant properties.

If ??? want t? b? sure ?b??t ???r action t? ?t ?? wise th?t ??? consult w?th th? local department ?f human services. Th?? w?ll provide ??? more information ?b??t tax exemptions ?nd th?? w?ll give ??? comprehensive data ?b??t h?w t? pay zero tax ?n properties. Th?? w?ll h?l? ??? ?n ???r inquiry. In order t? g?t sound information, b? sure t? ?l?r?f? th?m ???r w?nt? ?nd q???t??n f?r h?l? regarding paying real property taxes. Th? department w?ll give ??? information ?n farm exemptions, religious exemptions, ?nd ?th?r exemptions th?t m?? qualify.

Other articles you might like;

Source: http://ofrconsultants.com/legal-steps-to-stop-paying-taxes.html

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Wednesday, August 24, 2011

Cadillac aims high with flashy concept car

The sky?s the limit with the new Cadillac Ciel concept car ? or so it might seem with the striking convertible that hints at the future flagship model under development at the General Motors luxury brand.

It?s been a tough few years for Cadillac, but the once-dominant car brand is intent on regaining the momentum it seemed to have a decade ago. That's when it first introduced the edgy, ?Art & Science? design theme meant to differentiate the brand from other luxury nameplates that often have had a tendency to look a bit too much alike.

While the Ciel ? which means ?sky? in French ? has not yet received formal approval, company insiders like GM global design director Ed Welburn are pushing for the prototype, which would position Caddy head-to-head against the best cars offered by luxury segment leaders Lexus, BMW and Mercedes-Benz.

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Meanwhile, GM management has already given the go-ahead to a variety of other new Cadillac models that they hope will broaden the brand?s appeal.

?You need a flagship in your portfolio to be successful in the luxury market today,? said Clay Dean, Cadillac?s lead designer.

The Ciel is a hint of what such a car might be. Nearly as long as the big Escalade sport-utility vehicle, the prototype shown in convertible form at last week?s Pebble Beach Concours d?Elegance would likely undergo a number of changes before hitting showrooms. It may first launch in sedan form.

Although the concept offers what Welburn called ?a hint of a fin,? Dean?s goal was not to go retro but take the edgy Art & Science theme even more into the future.

The original CTS sedan introduced the styling concept and delivered the first significant bump in demand for the brand in decades. But subsequent products ? such as the bigger STS sedan and XLR roadster, which was Caddy?s answer to the classic Mercedes-Benz SL ? landed with a thud, leading many to question whether the CTS was a one-shot wonder.

The latest version of that midsize model has again generated good reviews and buyer enthusiasm, and so has a more stylish remake of the SRX crossover. But two strong products can?t carry a brand in today?s luxury market, analysts caution, especially since Cadillac?s lead rivals are undergoing massive product proliferation.

Consider Mercedes. Two decades ago the automaker debated whether to add the small C-Class to its line-up, which then consisted of the mid-luxury E-Class, the big S-Class and the SL roadster. Today, the automaker?s line-up includes the even smaller A- and B-Class offerings, the GLK, the G- and M-Class crossovers, the V-Class van and a long list of sedans and coupes.

?I think they?ve acknowledged they?ve fallen behind,? said Dave Sullivan, an automotive analyst at AutoPacific, referring to Cadillac. ?They?re no longer the ?standard of the world,? as they?ve long liked to proclaim.?

It?s not that the Detroit brand doesn?t want to regain that image, and new products will be critical to reclaiming the high ground. Alongside the second-generation CTS sedan, Cadillac has added a striking new coupe version, a station wagon and super-high-performance V-Series versions.

Story: Toyota unveils first Camry redesign in 5 years

Other new vehicles are in the works. Last week, GM officials confirmed they had reversed a previous decision and will now bring the well-reviewed Converj concept to market. The production version of the plug-in hybrid ? which will share a powertrain with the mainstream Chevrolet Volt ? will be dubbed the ELR.

GM will also add a new small car, tentatively called the ATS, and a replacement for the much-maligned STS that is expected to be marketed as the XTS.

The next CTS, meanwhile, will become slightly larger and more luxurious, taking on products like the BMW 5-Series and Mercedes.

A decision on whether to add Ciel is likely by year?s end, according to Cadillac sources. It would likely take another three years to bring to market what is being referred to internally as the ?Omega? vehicle. Few expect to see the over-the-top design of the Ciel ? which would be the first production four-door convertible in half a century ? but the styling theme, with its signature Cadillac grille, would clearly influence the final product.

Significantly, several company officials stressed that the Omega project is being heavily influenced by potential demand in emerging markets, particularly China, where luxury cars are in high demand. Indeed, that has helped usher in an unlikely turnaround for Caddy?s sibling brand, Buick, which is one of the best-sellers in the booming Asian nation.

Chinese buyers have proved surprisingly picky, in part because many luxury car owners prefer to be chauffeured, so they want plenty of rear seat room and amenities. The CTS was upgraded for Chinese dealers ? much as the latest Buick flagship, the Lacrosse, was largely developed to meet the more expansive demands of China?s buyers.

Cadillac has struggled to get into foreign markets in recent decades, particularly Europe, so analyst Sullivan warns ?it won?t be easy? to break out of North America in the future. But with a broader array of products, Cadillac officials are hoping they will be better positioned to stand up to the rivals wherever they compete, whether in the home U.S. market, Europe or the new markets that are rapidly becoming the place to be for luxury brands.

? 2011 msnbc.com.? Reprints

Source: http://www.msnbc.msn.com/id/44243125/ns/business-autos/

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Marriage Counseling - When to Save Your Relationship? - Articles 20VN

Successful marriages are a product of a mix of various components. Two of the most important ones are happiness and fulfillment. If these are not present, this, together with other factors, can eventually cause marriage disaster.

While not every marriage can be saved, and some are doomed regardless, marriage counseling works for many. Teaching the basic principles that are taught in counseling sessions can help save a marriage from destruction and help couples back onto the path of a fulfilling marriage. The willingness of both parties in the marriage to work to restore the relationship is really the ultimate factor that drives success in marriage counseling. We'll discuss later some of the reasons and factors for success or failure of the relationship.

There is no end to the ways that couples can create conflict in their relationships. And there are many reasons why couples seek marriage counseling. All marriages are beset with difficulties at some point in the relationship. Sadly, many do not survive them, and become numbered in the divorce statistics.

Marriage counseling is most often sought when couples reach a point of frustration, much sadness and severe hurt in the relationship. Yet, these troubles have not arisen from nowhere, and may have been brewing for many years. Yet usually the only time people seek out marriage counseling is when the relationship is already nearly broken down. If couples would seek counseling back when their difficulties begin, before they add the layers of hurt and misunderstanding, the success rate of counseling would be greatly improved.

Everyone wants to strive for happiness, but our often fantasized ideal of happiness is seldom experienced in the real world. A marriage relationship is hard work. It requires each partner to often suspend their ego, not fixate on who is right and who is wrong, but to try to find compromise, to get around the issues that divide them. Accepting the reality of a more achievable happiness requires a sensible and realistic approach, and learning to drop that insistence on being "right" is a good first step, both in a marriage and in entering marriage counseling. Without this, all may be in vain.

As may be seen in this article, working to save a marriage is the central discussion. But, what of the couples that insist on divorce? Sometimes, even couples who have reached this point in their marriage can be helped to retrieve it through counseling. But even if the marriage cannot be saved, using counseling to help couples divorce amicably, even transform into friends, lean how to be willing co-parents to their children, etc., can lessen the pain and help people achieve a more constructive process. During the stages of dissolving the marriage, extreme emotions are likely to be felt.

The physical and emotional separation may aggravate feeling of pain, loss, mourning and distress. Marriage counseling can often be of great help during this period as it can help couples express emotions that have not been fully expressed, and clear the air for a new beginning as divorced people.

Once you begin to see the signs of distress in the marriage is the time to seek marriage counseling. It's best not to wait until the layers of hurt and anger have created pain that may never be healed. Seeking counseling at the earliest possible time gives the very best chance of saving the relationship and renewing it. Waiting too long too often means waiting until it is too late to save the marriage.

Source: http://www.20vn.com/marriage/marriage-counseling-when-to-save-your-relationship-576.htm

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Tuesday, August 23, 2011

How to Have Good Call Control As A Customer Service | Economy ...

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Posted in Customer Service

Source: http://businesstipsplan.com/customer-service/how-to-have-good-call-control-as-a-customer-service.html

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Monday, August 22, 2011

Utah researcher helps artist make bulletproof skin

This undated high-speed camera image provided by Jalila Essaidi shows a .22 caliber bullet hitting but not breaking the ?bulletproof? skin created by Dutch artist Jalila Essaidi with the help of Utah State research Randy Lewis. Lewis supplied the silk threads from a genetically engineered silk worm that Essaidi weaved into a lattice of human skin cells to create a layer that was capable of repelling a bullet. Lewis believes his genetically engineered spider silk from worms and goats can be used to help surgeons heal large wounds and create artificial tendons and ligaments.(AP Photo/Jalila Essaida)

This undated high-speed camera image provided by Jalila Essaidi shows a .22 caliber bullet hitting but not breaking the ?bulletproof? skin created by Dutch artist Jalila Essaidi with the help of Utah State research Randy Lewis. Lewis supplied the silk threads from a genetically engineered silk worm that Essaidi weaved into a lattice of human skin cells to create a layer that was capable of repelling a bullet. Lewis believes his genetically engineered spider silk from worms and goats can be used to help surgeons heal large wounds and create artificial tendons and ligaments.(AP Photo/Jalila Essaida)

This undated image provided by Jalila Essaidi shows Essaidi pointing a gun at a target at an undisclosed location. Utah State research Randy Lewis and Essaidi have constructed a "bulletproof skin" with Lewis supplying the silk threads from a genetically engineered silk worm that Essaidi weaved into a lattice of human skin cells to create a layer that was capable of repelling a bullet. Lewis believes his genetically engineered spider silk from worms and goats can be used to help surgeons heal large wounds and create artificial tendons and ligaments. (AP Photo/Courtesy Jalila Essaida)

(AP) ? A bio-art project to create bulletproof skin has given a Utah State researcher even more hope his genetically engineered spider silk can be used to help surgeons heal large wounds and create artificial tendons and ligaments.

Researcher Randy Lewis and his collaborators gained worldwide attention recently when they found a commercially viable way to manufacture silk fibers using goats and silkworms that had spider genes inserted into their makeup.

Spider silk is one of the strongest fibers known and five times stronger than steel. Lewis' fibers are not that strong but much stronger than silk spun by ordinary worms.

With Lewis' help, Dutch artist Jalila Essaidi conducted an experiment weaving a lattice of human skin cells and silk that was capable of stopping bullets fired at reduced speeds.

"Randy and I were moved by the same drive I think, curiosity about the outcome of the project," Essaidi said in an email interview. "Both the artist and scientist are inherently curious beings."

Lewis thought the project was a bit off the wall at first, Essaidi acknowledged.

"But in the end, what curious person can say no to a project like this?" she said.

Essaidi, who used a European genetics-in-art grant to fund her project at the Designers & Artists 4 Genomics Awards, initially wanted to use Lewis' spider silk from goats to capitalize on the "grotesque factor" of the mammal-spider combination.

But Lewis didn't yet have enough of the spider goat silk to send hundreds of yards to Essaidi. So he sent her spools of silk from silkworms he had genetically engineered in a fashion similar to the goats.

Essaidi initially intended to fire .22 caliber bullets at the "skin" stretched in a frame. But she decided to place the "skin" on a special gelatin block used at the Netherlands Forensic Institute.

Using a high-speed camera, she showed a bullet fired at a reduced speed piercing the skin woven with an ordinary worm's silk But when tested with Lewis' genetically engineered worm's silk grafted between the epidermis and dermis, the skin didn't break. Neither was able to repel a bullet fired at normal speed from a .22 caliber rifle.

"We were more than a little surprised that the final skin kept the bullet from going in there," Lewis said of the tests at reduced speed. "It still ended up 2 inches into the torso, so it would not have saved your life. But without a doubt the most exciting part for us is the fact that they were able to recreate the skin on top of our fibers. It's something we haven't done. Nobody has worked in that area."

Essaidi was intrigued by the concept of spider silk as armor, and wanted to show that safety in its broadest sense is a relative concept, hence bulletproof.

"If human skin would be able to produce this thread, would we be protected from bullets?" she wondered on her blog. "I want to explore the social, political, ethical and cultural issues surrounding safety in a world with access to new biotechnologies."

She said it is legend that Achilles was invulnerable in all of his body except for his heel.

"Will we in the near future due to biotechnology no longer need to descend from a godly bloodline in order to have traits like invulnerability?" she asked.

Lewis downplayed the potential bulletproof applications of his research.

"I certainly would not discount that, but I don't see that as a tremendous application at the moment," he said.

He said bulletproof vests already exist. But being able to grow cells and use the material to replace large amounts of human skin could be significant for surgeons trying to cover large wounds, or treat people with severe burns.

He said the material's strength and elasticity would enable doctors to cover large areas without worrying about it ripping out ? a big advantage over small skin grafts.

Lewis couldn't give a time frame for such a use because it would require FDA approval. But he hoped to do some animal testing within two years, and noted spider silk already has proven very compatible with the human body.

The next step is to generate more material to test what cells will grow on it ? made easier with the "transgenic" silk worms and milk from goat spiders.

The real stuff is still the holy grail for fibers and textiles but not the easiest to come by as evidenced by an 11-by-4 foot tapestry unveiled two years ago at the New York Museum of Natural History that took millions of spiders to complete.

"We know some skin cells will grow (on our fibers), but can we get cells that make ligaments and tendons grow," Lewis said.

He said it may be easier to use the genetically engineered silk to make materials better than actual ligaments or tendons.

Essaidi, meanwhile, said she has plenty of wild ideas but wants to transplant the bulletproof skin.

She said Geert Verbeke, director of Verbeke Foundation in Belgium, the biggest Eco/BioArt museum, wants to wear the skin "as an ode to BioArt."

Back at Utah State's bio-manufacturing facility in Logan, Utah, Lewis just started breeding for the next round of milking in January. He has about three dozen of the genetically engineered goats. He extracts proteins from the special milk then spins them in a way that replicates the spider's method, resulting in a strong, light-weight fiber.

"Nothing is as strong as the natural fiber, yet," Lewis said of spider silk. "But we are working on solving that problem."

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/386c25518f464186bf7a2ac026580ce7/Article_2011-08-21-US-Bulletproof-Skin/id-49717b4ad25642e5859e8e1a6213342e

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The Reasons You Need A Dynamic Self-Improvement Plan For Small ...

Your day-to-day business activities include problem solving. But when you have done all you can and still do not quite understand what is wrong, then it may be time to look at your self.

There isn?t a person alive who doesn?t have some area of their life that needs improvement. Be that as it may, only those who are enterprising and unafraid have the will to tackle self-improvement. The first thing, which isn?t easy, is to recognize that you have behaviors that could be changed for the better, or areas that you are deficient in, or even faults. Be that as it may, your goal for business success includes doing whatever actions it takes ? morally and ethically ? to turn your obstacles into goals and manifest your dreams.

Have you ever noticed if things must be perfect whenever you work on them? There is a lot of stress and anxious feelings in the person who goes through life trying to make everything perfect. This form of behavior in online business really interferes because it can get in the way of decision making. Frequently, events in online marketing dictate producing a site based on many smaller decisions and getting to it right away. If you are frequently under tight schedules and deadlines, then once again there could be costly delays. This particular habit is usually not seen as an impediment by many people, even though there are often negative reasons for its existence. For those of us who hire freelancers, there are often issues that relate to being able to put our trust in that person. But what if you are really trying to use leverage by outsourcing and it is driving you crazy? What about non-work related areas, are those same anxieties present there? That means this is something that interferes with your growth and success in many areas of life. As always, try moving into it just a little at a time. Maybe instead of avoiding it, try hiring a freelancer for very small jobs to see how you handle it. This is all about solving issues, and that is what we as business people do all the time.

The whole world is full of negative energy in just about every manifestation you can imagine. Newspaper and television producers know that bad news sells, so this is what they feature the most. Along with this, you may hear more negative opinions and comments from the people you know. These kinds of comments, whatever they are, most often will be expressing a limit, or restriction, to something. As an example, you are surely familiar with the person who always says something can?t be done without even trying. These negative people are all around us. It?s better to eliminate these kinds of people from your life and don?t watch the news shows on TV. This is a positive step in the right direction for your mental health and the success of your business.

It?s better to eliminate these kinds of people from your life and don?t watch the news shows on TV. This is a positive step in the right direction for your mental health and the success of your business. Very many have the potential to impact your business either positively or negatively. You owe it to yourself, and your life, to maintain a positive outlook towards everything you do.

One way to quickly improve your self image and lower stress would be to make sure you wear fashionable garments. Whenever you dress properly, individuals will respond to you better, and this can dramatically enhance your lifestyle. Why don?t you get some good stylish clothing right now?

To determine the reason why Hugo Boss Orange is definitely the most well liked factor going these days, have a look at the astounding Hugo Boss Orange web site quickly.

Source: http://articlesentertainment.com/self-improvement/the-reasons-you-need-a-dynamic-self-improvement-plan-for-small-business-success

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Sunday, August 21, 2011

Pakistani man tied to Times Square bomber pleads guilty (Reuters)

NEW YORK (Reuters) ? A Pakistani immigrant pleaded guilty on Thursday in federal court to running an illegal money-transfer business that provided $7,000 to the man who tried to bomb New York's Times Square.

Mohammad Younis, 45, was charged in September, five months after Faisal Shahzad was arrested for parking a crude car bomb in the crowded Times Square on May 1, 2010. A bomb squad ultimately defused the device.

Federal prosecutors in Manhattan said in the indictment that Younis met with Shahzad on April 10 last year and gave him the money sent by people in Pakistan as part of an informal "hawala" money transaction common in Islamic societies.

On Thursday, Younis pleaded guilty in Manhattan federal court to one count of conducting an unlicensed money transfer business. But Shahzad's name was not mentioned in court.

Younis told U.S. District Judge John Keenan that he did not know who he gave the money to or what the money was intended for. Prosecutors have not charged Younis with participating in or having any knowledge of Shahzad's planned attack.

"Specifically, I transferred $5,000 to one individual and $7,000 to the other individual," Younis said in court.

Federal prosecutors have not said who the recipient of the $5,000 payment was.

Younis, a Pakistani citizen, is slated to be sentenced on November 30 and will likely face deportation after sentence. His recommended sentence spelled out in a plea agreement with prosecutors is for up to six months in prison.

Shahzad was sentenced to life in prison in October over the failed bombing.

(Reporting by Basil Katz; editing by Cynthia Johnston)

Source: http://us.rd.yahoo.com/dailynews/rss/us/*http%3A//news.yahoo.com/s/nm/20110818/us_nm/us_usa_security

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NewsDaily: Germany rebuffs renewed euro bond debate

Germany rebuffs renewed euro bond debate


Posted 2011/08/20 at 12:28 pm EDT

BERLIN, Aug. 20, 2011 (Reuters) ? Germany on Saturday rebuffed renewed calls that euro zone countries should issue joint euro-denominated bonds and have a joint finance minister, arguing that would only be possible if fiscal policy were collective already.

"As long as we don't collectivise financial policy we also cannot have a uniform interest rate level. The different rate levels are the incentive to run a solid economy or the punishment if you are not running it properly," Finance Minister Wolfgang Schaeuble, speaking at his ministry's open day.

"So the question is, how do we manage to promote political integration step by step. We cannot collectivise interest rates," Schaeuble said, referring to proposals that the euro currency bloc should issue common euro bonds.

Germany has led resistance to calls that the euro currency bloc should issue common euro bonds and expand its bailout fund to calm repeated market selloffs of government bonds and bank shares of vulnerable debtor countries.

Der Spiegel magazine reported finance ministry calculations that showed issuing joint euro bonds would cost Germany billions of euros each year.

However, Martin Blessing, Chief Executive of Germany's second-largest lender Commerzbank said a European finance minister with sway over member states' taxes and budget was needed to lead the euro zone out of its debt crisis.

Berlin is also facing criticism over its own proposals to solve the euro zone crisis, which include a financial transaction tax that Chancellor Angela Merkel and French President Nicolas Sarkozy said this week they would propose to other euro zone members.

Schaeuble is to meet his French counterpart Francois Baroin in Paris on Tuesday to discuss the health of Europe's finances including remedies such as the tax.

Andreas Schmitz, the head of the association of German banks (BdB), whose clients would be directly affected by the tax, said the tax would be inefficient and would not prevent financial crises as professional traders did not care where they traded and would simply avoid Europe.

"The big tax income will fail to appear," he told Bild am Sonntag newspaper. Proponents of the tax expect it could raise 30 to 50 billion euros a year.

(Reporting by Annika Breidthardt; editing by James Jukwey)

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Saturday, August 20, 2011

Higher prices: the big trend for back-to-school

In this product photo provided by Lands' End, a pair of pink, pencil cord pants is displayed. Lands End, facing soaring cost increases, redesigned its basic corduroy pants for girls to create a trendier look to justify a $7 price increase to $34.50. (AP Photo/Lands' End)

In this product photo provided by Lands' End, a pair of pink, pencil cord pants is displayed. Lands End, facing soaring cost increases, redesigned its basic corduroy pants for girls to create a trendier look to justify a $7 price increase to $34.50. (AP Photo/Lands' End)

Shoppers pass Macy's department store, Thursday, Aug. 4, 2011 in New York. The back-to-school season got off to a strong start as discounts and sweltering heat in July drove shoppers to air-conditioned malls. But retailers worry that momentum won't continue through the remainder of the second-biggest shopping period of the year. (AP Photo/Frank Franklin II)

(AP) ? Stores are trying everything they can think of to disguise the fact that you're going to pay more for clothes this fall.

Some are using less fabric and calling it the new look. Others are adding cheap stitching and trumpeting it as a redesign. And the buttons on that blouse? Chances are you're not going to think it's worth paying several dollars more for the shirt just to have them.

Retailers are raising prices on merchandise an average of 10 percent across-the-board this fall in an effort to offset their rising costs for materials and labor. But merchants are worried that cash-strapped customers who are weighed down by economic woes will balk at price hikes. So, retailers are trying to raise prices without tipping off unsuspecting customers.

"Let the consumer trickery begin," said Brian Sozzi, Wall Street Strategies retail analyst

Retailers have long tried to mask price hikes ? for instance, jacking them up more than needed so that they can offer a "sale" on the higher price. But the new strategies come as merchants' production and labor costs are expected to rise 10 percent to 20 percent in the second half of the year after having remained low during most of the past two decades. Costs can quickly add up: Raw materials account for 25 percent to 50 percent of the cost of producing a garment, while labor ranges from 20 percent to 40 percent, analysts estimate.

Stores already have passed along their rising costs to customers by raising prices on select items. The core Consumer Price Index, which includes spending on everything except food and energy, rose 0.2 percent in July, the Labor Department said Thursday. But now that production costs are going up even higher, merchants are increasing prices on a broader range of merchandise. Because of their concern that shoppers will retreat, though, retailers are treading the line between style, quality and price.

Some merchants are making inexpensive tweaks __ additional stitching, fake button holes, fancy tags __ to justify price increases. Those embellishments can add pennies to $1 to the cost of a garment, but retailers can charge $10 more for them, said Marshal Cohen, chief industry analyst with market research firm The NPD Group.

"We're not seeing deflation or inflation; we're seeing con-flation," he said. "Stores are making consumers believe their getting more for their money."

After the price of the fabric for its girl's corduroy pants almost doubled, catalog retailer Lands' End, based in Dodgeville, Wis., raised the price of the pants by $7 to $34.50. The company, a unit of Sears Holdings Corp., also added buttons and stitching on the pockets to dress them up.

"Consumers are going to notice the price differences," said Michele Casper, a Lands' End spokeswoman. "But they are also going to get a lot of added benefits so they know they're not getting short-changed."

Others are taking away things, but marketing it to customers as the latest trend.

Spencer Elmen, owner of Cupid's Lingerie, which operates five stores in Arkansas, said he is seeing more items in his store that are even skimpier than usual, from underwear to mini dresses. He says that's because designers are finding clever ways to conceal the fact that they're clothes have less fabric.

Elmen said $39.99 teddies, which are $5 more than that they were last year, feature a studded heart that gathers up the material to disguise the fact that less fabric is being used. He also noted that the corsets with fishnet patterns are priced about 5 percent more at about $49, even though they also have less material.

"They're just being more creative with less fabric," Elmen said.

Teen retailer Abercrombie & Fitch is advertising "Redesigned 2012" jean collection in its stores and on its website, touting that the jeans are "softer, with the perfect amount of stretch." They're also mostly priced between $78 and $88, about $10 more than last year, according to Jennifer Black, who heads up research firm Jennifer Black & Associates.

Sozzi, the Wall Street Strategies retail analyst, examined the jeans and believes they are "thinner" and of "cheaper quality." That extra stretch, he says, simply could mean the retailer is saving costs by using less denim.

Eric Cerny, an Abercrombie & Fitch spokesman, declined to comment. But Cerny reiterated what executives told investors in recent months: the bulk of increases on items will start to happen in September and the chain will not sacrifice quality to achieve cost reductions.

Bill Melnick, director of strategic planning at SAI Marketing, which studies consumer behavior at major consumer brands, said most shoppers may not notice retailers' tactics to disguise prices. But he says shoppers won't buy if they can't afford it.

"Shoppers are being pragmatic," he says, nothing that they think "'If it fits into my budget, then it's a sale.'"

Rhonda Sayen, a Stephens City, Va., resident, said she checked out prices on new fall items and noticed jeans that were about $40 a year ago are now closer to $60. She also said she's spotted lower quality T-shirts at some of the stores.

"I know prices have changed," said Sayen, who added that she and her husband are sticking to a $400 budget for clothing and supplies for her four children ages 3 to 18. "You ain't fooling me."

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/386c25518f464186bf7a2ac026580ce7/Article_2011-08-19-Back-to-School-Prices/id-45d0a14275824c78a20e828a76ee216f

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Friday, August 19, 2011

Positive Options of Payday Loans and Cash Advances

[unable to retrieve full-text content]Positive options of instant payday loans and cash advances. Personal finance management and coordination.

Source: http://www.paydayloancredit.com/blog/positive-of-payday-loans-cash-advances.html

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Thursday, August 18, 2011

How to make a cross class/cultural relationship work?

I'd like to hear some experiences regarding cross cultural and/or "class" relationships. If your partner has a different cultural background and/or comes from another social class, how have you made it work or has it worked at all?

I'm a biracial bisexual woman who comes from a rich family, had two new cars before i had my drivers license and have gone to private school since i was a toddler- yes i was enrolled in a toddler computer course. I'm going to school to get my degree in law. The love of my life is 11 years my senior, white, straight, and grew up on welfare, spent most of his life homeless hitchhiking through Europe in the punk rock scene and lives on SSI disability income. The biggest problem isn't with us it's with other people. His family always expects me to support him and mine thinks hes beneath me, and it makes things so hard. he cannot spend any time with my family without being insulted and I sometimes feel uncomfortable with his friends and family because before him I didn't know what food stamps or welfare even was. I think it can work you just have to set ahead of time what you want your life together to be like. Like I feel that I constantly have to pull him up but theres a standard of living that I want and you have to let him know either you meet this or a I can't do this. Love him in spite of it but don't let him bring you down.

Hmmy, tricky. Depends on what cultural background you are from. try to keep in mind what brought the two of you together in the first place and focus on that. Compromise is key of course. If you are from two very Strong Cultures and have traditional conflicts in your beliefs you will have to look past them.

Cross Class/ Cultural Reships RARELY, IF EVER work??too many probs like bringing up the the Children, Holiday Celebrations, etc, etc?. just like Long Distances Rel'ships!
NO INSULT Intended but, I was brought up to, "Stick to your OWN Kind"??makes life a heck of a lot easier!

Tags: traditional conflicts, SSI disability income, bisexual woman, drivers license
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How to Write a Sales Slide Presentation | Economy,Finance and ...

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