AP - A second, euro130 billion ($172 billion) bailout and a deep debt write-off for financially stricken Greece will ward off a financial disaster in Europe.
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Perhaps you have been suffering from chronic back pains for quite a while; you need not worry too much. A large number of people the world over suffer from this ailment throughout the year and seek all sorts of treatments.
Low back pain is broadly categorized by medical professionals, as acute or chronic, based on how long it lasts for. Acute low back pain is that which occurs for a relatively short period of time, while chronic low back pain could go on for weeks.
The symptoms and types of back pain often vary, while its severity ranges from mild discomfort to debilitating pain, where the person concerned is sometimes even unable to stand and walk.
The cause of low back pain is hard to pinpoint, as it can be the result of several factors. Sudden harm such as a car accident, heavy manual labor or a sports injury are some of thecontributing causes of acute back pain, while obesity, poor sleeping position or inappropriate posture can also sometimes result in chronic back pain.Low back pain could also be the result of other serious medical conditions. Arthritis, tumors, a pinched nerve, ruptured discs, sciatica, spinal stenosis, spinal degeneration, osteoporosis, spondylitis, fibromyalgia and skeletal irregularities, all cause back pain and need proper medical attention.
Low back pain occurs more often in the old and in people who are between the ages of 30-50 because with age bone strength, muscle elasticity and tone tend to diminish. However, youngsters too are not exempt from back pain, and here, its primary causes are said to be a inactive life style, too much physical exercise and carrying heavy backpacks/satchels to school.
With the advance in medical science, a assortment of diagnostic tools are available to discover the cause of low back pain. X rays, CT scans, MRI scans, ultrasounds, discography and a variety of electro-diagnostic procedures are now put to use by physicians, in order to find the proper cause of the back pain.
Depending on the contributing factor, numerous treatment choices can now be explored; be it in the form of medication, rest, a change in lifestyle or even surgery. So, if you do experience low back pain, do not suffer in silence; it is always wise to seek medical advice from the inception, to reduce the chances of it becoming worse.
John Minter is an author on Fitness and Body Building. Find out more at Gaming Desk
Source: http://newhealthandfitness.org/2012/02/22/low-back-pain-issues/
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Well, that's one way to get in a nice dig at your siblings.
This very public, passive aggressive airing of family grievances is very sad, but Josie Anello did live to be 94, and if you can get past the tragic aspect of it all, it's hilarious.
Spotted in the Tampa Tribune, this obituary takes obvious shots at two of the deceased's three children. She was also a great great grandmother, which is pretty amazing!
Odds that the author of the obit was A.J.? Fairly high.
Source: http://www.thehollywoodgossip.com/2012/02/passive-aggressive-obituary-takes-shot-at-kids/
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TOLEDO, Ohio (WUPW) - One candidate running for the 9th congressional district seat says he's taking a different approach when it comes to small businesses.
Graham Veysey called Saturday's visit the Main Street Shuffle, greeting owners and employees of small businesses across the new 9th district.
"We started the day in Cleveland we've been working our way a long the new 9th district the north coast and we're finishing in Toledo," said Veysey.
Veysey believes in this election he's David fighting 2 Goliaths.
With Dennis Kucinich getting endorsed by the Cuyahoga Democratic Party, and Marcy Kaptur grabbing the Dems in Lucas County, Veysey still believes he has a shot at winning this race.
"I don't care about the endorsements, what I care about is the endorsement of the voters on March 6th," said the candidate.
The purpose of the Main Street Shuffle, was to get to know his small business constituents.
Owning a small business himself, Veysey says he can relate to some of the issues owners face and he's willing to fight for their rights.
Source: http://www.foxtoledo.com/dpp/news/local/veysey-talking-small-business
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AP - Veterans of NASA's Project Mercury reunited Saturday to celebrate the 50th anniversary of John Glenn's orbital flight, visiting the old launch pad and meeting the famed astronaut himself.
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In this Jan. 19, 2012 photo, Arnie Herdendorf, the projectionist at the Palace Theatre in Lockport, N.Y., stands inside the theatre. With the movie industry's rapid switch to digital technology, Herdendorf worries how long his job will be around. The questions for the historic movie houses are even greater: Can they afford to survive the switch to digital? (AP Photo/Doug Benz)
In this Jan. 19, 2012 photo, Arnie Herdendorf, the projectionist at the Palace Theatre in Lockport, N.Y., stands inside the theatre. With the movie industry's rapid switch to digital technology, Herdendorf worries how long his job will be around. The questions for the historic movie houses are even greater: Can they afford to survive the switch to digital? (AP Photo/Doug Benz)
In this Jan. 19, 2012 photo, Arnie Herdendorf feeds film into the platters in the projection room at the Palace Theatre, in Lockport, N.Y. With the movie industry's rapid switch to digital technology, Herdendorf worries how long his job will be around. The questions for the historic movie houses are even greater: Can they afford to survive the switch to digital? (AP Photo/Doug Benz)
In this Jan. 19, 2012 photo, Arnie Herdendorf feeds the movie into the projector at the Palace Theatre in Lockport, N.Y. With the movie industry's rapid switch to digital technology, Herdendorf worries how long his job will be around. The questions for the historic movie houses are even greater: Can they afford to survive the switch to digital? (AP Photo/Doug Benz)
In this Jan. 19, 2012 photo, Arnie Herdendorf, a projectionist at the Palace Theatre in Lockport, N.Y., splices a movie trailer at the theatre. With the movie industry's rapid switch to digital technology, Herdendorf worries how long his job will be around. The questions for the historic movie houses are even greater: Can they afford to survive the switch to digital? (AP Photo/Doug Benz)
In this Jan. 19, 2012 photo, Arnie Herdendorf, the projectionist at the Palace Theatre in Lockport, N.Y., peeks out of the projection booth. With the movie industry's rapid switch to digital technology, Herdendorf worries how long his job will be around. The questions for the historic movie houses are even greater: Can they afford to survive the switch to digital? (AP Photo/Doug Benz)
BUFFALO, N.Y. (AP) ? The license plate on movie projectionist Arnie Herdendorf's Buick is 35MM MAN, a nod to his work in the booth at the 1925 Palace Theatre, with its velvet-draped stage and chandeliered mezzanine.
When he drove recently to a multiplex to watch as its film projectors were swapped out for new digital ones, the sight of old 35 mm workhorses "stacked up like wounded soldiers" had him wondering how long his title ? or job ? would be around.
The questions are even bigger for historic movie houses themselves.
With the future of motion pictures headed quickly toward an all-digital format played only on pricey new equipment, will the theaters be around? Or will they be done in by the digital revolution that will soon render inadequate the projectors that have flickered and ticked with a little-changed technology for more than 120 years?
"Our guess is by the end of 2013 there won't be any film distributed anymore," said John Fithian, president and chief executive of the National Association of Theater Owners.
The Hollywood studios' industry-wide conversion from 35 mm film to digital satisfies modern-day demands for crisp clarity, cost savings and special effects like 3-D. And for big-budget theaters where new releases occupy multiple screens, installing digital projectors is a no-brainer. Already, about 60 percent have converted in the United States, at a price of $70,000 to $80,000 a screen, Fithian said.
But for the community-owned Palace and other small and historic movie houses, the merging of nostalgia with high-tech is a dauntingly expensive proposition. Yet one, most agree, that is critical if they are to keep attracting audiences to their light bulb-studded marquees. The cost is more than double the price of a top-of-the-line film projector.
"The Riviera Theatre is listed on the historic register, but we are not a museum," Executive Director Frank Cannata said from the 1927 theater north of Buffalo, "so it's important that we stay current ... and staying current isn't always affordable, as we're all finding out."
An estimated 500 to 750 historic theaters currently show movies, according to the Theatre Historical Society of America, though it adds no one has formally researched the number and the estimate is conservative.
"This is another major threat to these theaters which were largely rescued and restored by grass-roots local efforts," said Karen Colizzi Noonan, president of the THS, which records and preserves theaters' architectural and cultural history. "It is so sad that after all that hard work and dedication these groups now face another huge challenge just to survive."
And survival means doing whatever they can to raise the cash to convert.
Supporters of the privately owned Davis Theatre in Higginsville, Mo., are vying for a $50,000 prize in a Reader's Digest contest that would help pay for digital equipment for the 500-seat main auditorium. They were in second place at the start of February, with a month of voting to go.
"It's a long haul but it's encouraging to see a town come together," said Fran Schwarzer, who, with her husband, George, was nearing retirement age and sunk their savings into buying the 1934 theater to keep it from closing in 1998.
The couple added three screens in 2005 so they could show more first-run movies, always viewing the venture as more community service than money-maker in the small town east of Kansas City.
"If we had known then what we know now" about the swift onset of digital, "we would never have gone into debt more to put in three more auditoriums," Schwarzer said.
The Riviera will show movies with its two carbon arc lamphouses and projectors for as long as it can, Cannata said, while exploring funding for the digital replacements. If it can't, it will have to do away with the popular second-run movies offered at discount rates.
While live shows and other programming would keep the Riviera going, other theaters are trying to stave off closing with fundraisers, like the taco supper planned to raise money for the Onarga Theater in eastern Illinois. The 1937 theater that boasts being the first south of Chicago to show movies with sound has invested in its seating, concessions and sound systems in recent years, but can't afford the switch to digital projection.
North of Buffalo, the nonprofit, community-owned Palace is looking into loans and grants for a $75,000 digital set up, but it's also going to have to upgrade its electrical system to accommodate the new equipment, said Phil Czarnecki, vice president of the board. He can't help but think of all the restoration of the building ? a replica of the Paramount Theater in New York City that mixes Art Deco and Italian Renaissance style ? that could be accomplished with such an outlay.
The small theaters already are feeling pressure from the digital conversions taking place all around them. Instead of waiting three weeks for a modern multiplex to make a movie print available, it now often takes six or seven weeks because there are fewer 35 mm copies in circulation. That's more than enough time for the pool of potential ticket-buyers to lose interest or see the movie somewhere else.
It's not just the cost of digital projection that concerns Edward Summer, president of the Buffalo Niagara Film Festival. He worries that once older movie houses make the switch, they'll do away with their 35 mm projectors, something he says would be "a hideous mistake."
Summer sees a potential tourism niche in historic theaters showing classic movies ? and he worries that existing films that won't be digitized will be forever lost to audiences if the equipment isn't there to show them.
"Every motion picture made between 1894 and right this minute is on 35 mm film and those films not only still exist, but those film prints are the only way to see them," Summer said.
"It's not either/or," Summer said of the two projection technologies, "it's both/and."
The Palace's Herdendorf doesn't own a computer and isn't sure if his 17 years of splicing and dicing reels of film and threading them through a platter projection system will translate to the new technology with its pocket-size hard drives. He knows what to do if film breaks, but not if a computer freezes.
The Riviera eventually plans to display one of its 35 mm carbon arc projectors in the lobby, Cannata said, "so people can take a look at how films were shown at one time."
The Davis Theatre's Schwarzer jokes that her place's four projectors will become boat anchors. What's important, she said, is that the theater's doors stay open.
"We have such wonderful memories of this theater as children," she said. "You kind of like to think that kids that come now will have some of those memories, too."
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Those clever people at Plum have just come up with a brand new selection of baby and toddler meals and snacks to add to the existing range. I was impressed to see how many new products they have introduced : for babies aged 0-1 : Plum Stage 1 Mango & Banana pouch, Plum Stage 1 Spinach, sweet potato & apple pouch, Plum Stage 1 Parsnip, pea & pear pouch, Plum Stage 2 Salmon & spinach risotto meal pouch; New Stage 2 Puddings : Plum Stage 2 Bread & Butter pudding pouch, Plum Stage 2 Apricot & Apple rice pudding pouch ; For toddlers aged 1-4, New Cereal Bars: Plum Stage 4 Oaty Chomps Strawberry Cheesecake Bars, Plum Stage 4 Oaty Chomps Pumpkin Pie Bars).
They kindly sent us through some of the pudding pouches and oaty chomps to try out and, as you can see, Pierre couldn't even wait until I'd taken the photo before he wanted to get his mitts on them !
I opened up the Oaty Chomp bars too - one of each variety (the divinely-named Strawberry Cheesecake and Pumpkin Pie) and laid them out for his inquisitive fingers to find. The bars are very moist, gooey and soft which I wasn't expecting as the word "oaty" had me expecting something dry like a flapjack. I was interested to see what Pierre would make of them.
Well, predictably, he absolutely loved the pouches. In these photos, he is guzzling a Mango & Banana pouch, which has just been released in the handy pouch format after being available in pots, which is a stage 1 smooth puree. But he also loved the Stage 2 dessert pouches with their fork-mash texture. He did initially do a double-take, because he obviously wasn't expecting a lumpy texture, but after a quick look at the pouch, he polished off the rest of both flavours (but not both in one sitting, I might add !), Apricot & Apple rice pudding and Bread & Butter Pudding. The pouches are fabulous for snacks on the go, are totally mess free (especially when your toddler wants to feed himself but often misses his mouth!) and are resealable so if it doesn't all get eaten in one go, you can save the rest for later.
Now, on to the Oaty Chomps. Both 2-year-old Pierre and 6-year-old Juliette were keen to have a taste and they enthusiastically took a big bite ... then both said yuck. I took a bite and thought they were delicious, really reminding me of the Nakd raw fruit and nut bars that I reviewed some time ago. (Click on the link to see that review.) When big sister Sophie got home from art club, she had a taste too and declared them delicious, so I'm not sure why they didn't appeal to the littlies ! It may be a texture issue so I'll try chopping them up into bits with some apple wedges or raisins next time.The individually wrapped bars are perfect for snacks on the go though so I'll be keeping a few in my handbag for when we're out and about. I'll eat them if the kids don't want them !!
star rating : 4.5/5
RRP : stage 1 pouch 99p for 100g, stage 2 pouches ?1.19 for 100g, Oaty Chomps ?1.99 for 5 x 20g bars
Other reviews you may be interested in :
Source: http://madhousefamilyreviews.blogspot.com/2012/02/new-plum-toddler-snacks-review.html
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No, Apple hasn't made some crazy, secretive announcement about its next new device, the MacPad Pro is just a concept design by Jules Moretti, which integrates the touchscreen of the iPad into both the main display and the keyboard of this laptop/tablet hybrid.
Moretti sees this kind of device as the next step forward for Apple, allowing you to interact with both screens, hold the laptop up anyway you please and not feel restricted by a standard keyboard.
We're not sure whether Apple will be taking any tips from this interesting prototype at the moment, but it sure is a lovely idea.
[Via Yanko Design]
Source: http://www.popgadget.net/2012/02/is_the_macpad_p.php
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WELLINGTON?New Zealand's High Court ordered the government to reconsider a Chinese company's purchase of farms, highlighting growing concerns over Chinese investment in land in this agriculturally dependent nation.
The ruling was made after a group of farmers and Maori trusts sought to block the sale of 16 dairy and drystock farms to Shanghai Pengxin Group Co.'s Milk New Zealand Holdings Ltd. unit, approved earlier this year by Land Information Minister Maurice Williamson and Associate Finance Minister Jonathan Coleman. Messrs. Williamson and Coleman weren't immediately available for comment.
The plaintiffs are members of a consortium known ...
WELLINGTON?New Zealand's High Court ordered the government to reconsider a Chinese company's purchase of farms, highlighting growing concerns over Chinese investment in land in this agriculturally dependent nation.
The ruling was made after a group of farmers and Maori trusts sought to block the sale of 16 dairy and drystock farms to Shanghai Pengxin Group Co.'s Milk New Zealand Holdings Ltd. unit, approved earlier this year by Land Information Minister Maurice Williamson and Associate Finance Minister Jonathan Coleman. Messrs. Williamson and Coleman weren't immediately available for comment.
The plaintiffs are members of a consortium known ...
Source: http://online.wsj.com/article/SB10001424052970204792404577224423550141302.html?mod=rss_about_china
Anderson Silva is back in real life and in video game form. The UFC's middleweight champ is heavily featured in the ad campaign for UFC Undisputed 3. The THQ game just hit the shelves across the United States yesterday. It coincides with Silva's return to light training in anticipation of a June return to the Octagon.
Silva and his manager Ed Soares didn't pull any punches in talking about Chael Sonnen's verbal reign of terror with the Brazilian sidelined by a shoulder injury.
"He didn't have to do any surgery. The doctor said he could strengthen it with physical therapy and that's what he's been doing for a good four months now," Soares told ESPNRadio1100/98.9 FM.
Silva's not one to fire back aggressively, but he sounded pretty serious when talking about whether Sonnen's crossed the line over the last six months.
"Yeah of course, Chael talks too much. He talked about my family. He's got no respect for my wife. No respect for the people in Brazil. It's a problem," Silva said. "I understand it's a promotion, but this is no promotion. This is bad. I don't like this. The people in Brazil don't like this. It's bad for the sport."
Soares brought it a little stronger.
"He can say whatever he wants to say, but he has to be prepared to face everything that he's saying when he steps inside the ring in June. I think Chael is going to experience something he's never experienced before," Soares said. "[...] He's going to feel such an intense pressure walking into that stadium with probably 55,000 fans ... he's going to feel that."
The UFC is targeting June in Sao Paolo for the matchup of the year.
If you can't wait to see the fight, give UFC Undisputed 3 a try. The attention to detail is amazing. Silva said he alone worked with the game makers over three days so they could nail his character.
Silva joked that he's played the game, but the top video game fighting Silvas are his sons.
"I don't play too much, my sons play more. I have no chance against them. Sometimes I play [against my] sons. My sons win and tell me 'hey Dad give me the money. Go back to real fighting. This is no good for you."
The Silva boys like to use their father in the game along with the Nogueira brothers, Lyoto Machida and Rashad Evans.
More from Yahoo! Sports: Frankie Edgar fooled by fellow UFC fighter
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Are you like me and?your cell phone has become a part of your life? If I leave the house and forget my cell phone I am a mess, I am forced to have to go back to get it. I use my cell phone for everything from an alarm clock to web browsing.
I honestly think my cell phone usage has changed my life for the best. I got my first cell phone when I was 13 years old and have had one ever since. My cell phone is my alarm clock in the morning and as soon as I am up I am seeking emails both? personal and work emails. I get in the shower and once I am? out I take a look at my calendar to see what is in store for me. I would say the best thing about my cell phone is that it?s a smart phone and love all the great apps on it. My two favorite is the google maps and the weather app. Cell phones or better known as start phones are a mini computer, alarm clocks, gaming consoles, calculator, cameras & video cameras, mailing systems, text messengers, personal calendars,and so much more.
I have had the same cell phone number for almost ten years and its great because every so often I will get a call from a old friend. It?s so funny because they will call and ask is this Kettys phone number, then I am like yes its me. Cell phones are great to connect with family and friends. I have family in other countries and all over the US and having a cell phone comes in very handy.Cell phones have made long distance calls easy and affordable.They are serving people from all generations cross cultural and physical borders. Mobile technology, particularly the use of cell phones, has become an internal part of today?s life all around the world, now that?s smart communication.
If you?re looking for an Android-powered smart phone at a great value, be sure to check out U.S. Cellular. They have the highest satisfaction rating of any national carrier and you earn rewards points to use on things like accessories and upgrading your phone sooner. Learn More.
Disclosure:
Compensation was provided by US Cellular via Glam Media.? The opinions expressed herein are those of the author and are not indicative of the opinions or positions of US Cellular.
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Source: http://www.juiciestdeals.com/2012/02/15/smart-communication-with-your-cell-phone/
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Republican presidential candidate Mitt Romney greets a supporter at an election caucus in Portland, Maine, Saturday, Feb. 11, 2012. (AP Photo/Robert F. Bukaty)
Republican presidential candidate Mitt Romney greets a supporter at an election caucus in Portland, Maine, Saturday, Feb. 11, 2012. (AP Photo/Robert F. Bukaty)
WASHINGTON (AP) ? Movie super spies James Bond and Jason Bourne use them. So does real-life U.S. presidential candidate Mitt Romney, who says he pays his taxes, and untold numbers of Americans who don't. Swiss banks and their secretive counterparts around the globe may sound like the exclusive province of the wealthy, the mysterious or the shady, but anybody can legally open an offshore account.
Here's how to do it:
Step 1: Get a million dollars.
How? There are essentially two ways ? legally or illegally. For those with dirty cash to launder ? drug traffickers, mobsters, smugglers, swindlers and such ? offshore accounts hidden from the law are the obvious choice (skip to Step 5).
For honest money, there's more to consider.
Step 2: Decide whether to tell the Internal Revenue Service, the U.S. tax agency.
U.S. citizens are supposed to pay taxes no matter where their money is. But the IRS can't tax what it doesn't know about, and the odds of getting caught offshore have been slim. But beware ? that's changing.
The government has landed some big fish ? notably the largest Swiss bank, UBS AG ? and tax cheats are getting scooped up in the net.
In an unprecedented break from Swiss legal tradition, UBS turned over the names of more than 4,000 suspected U.S. tax evaders in 2010 as part of a deal to settle conspiracy charges. Since then, the United States has been going after those people, charging more Swiss bankers with conspiracy, and leaning on Switzerland to name more names.
Other names came from a bank employee-turned-informant at the LGT Bank in Liechtenstein. And the IRS has been tracking down holders of credit cards issued from Caribbean hideaways, because the cards are a popular way to tap secret funds.
"The noose is tightening on those who want to hide money overseas," said J. Richard Harvey, a former senior adviser to the IRS commissioner.
Pressure to report Americans' holdings will increase substantially next year under a new U.S. law that imposes financial penalties on foreign banks and investment funds that don't comply. Some tax haven banks may skirt it completely, however. If they don't make any U.S. investments they can avoid the penalties.
When the IRS offered amnesty in 2009 and 2011, more than 33,000 tax dodgers came in from the cold, yielding $4.4 billion. A new round in the program opened in January.
Step 3: Look for legal ways to pare taxes.
Here it gets complicated.
For corporations, foundations, pension funds and others, controversial offshore maneuvers can help defer or avoid some taxes. For example, a corporation transfers a lucrative chunk of its business to a foreign subsidiary in a low-tax country. Or a nonprofit group puts otherwise taxable investments offshore.
"There's a thin line between tax avoidance and evasion," said Rebecca Wilkins, a senior counsel at Citizens for Tax Justice, which opposes corporate loopholes. "A lot of these transactions might not stand up in court if the IRS had the resources to pursue them."
Private equity and hedge funds flock to the Cayman Islands, which offer tax advantages for fund managers and some of their foreign and nonprofit investors. Setting up shop ? usually nothing more than a mail drop ? in these freewheeling environs also allows them to escape the tighter financial regulations of the U.S. and other nations. Some critics say that contributed to the global financial crisis.
Romney, the multimillionaire front-runner for the Republican presidential nomination, has disclosed numerous offshore investments.
His financial filings included at least six Cayman-based funds, worth between $7 million and $32 million, run by Bain Capital, the private equity powerhouse he once led. More than a dozen other funds based in the Caymans and Bermuda showed up on his 2010 federal tax returns. His campaign says he pays the same taxes he would if they were based in the United States.
Romney also had a UBS bank account in Switzerland, but it was closed in 2010 as he prepared to run for president.
Step 4: Consider other motives.
Some people want to hide wealth from spouses or business partners; doctors worry about malpractice suits; others think creditors or the government might try to seize their assets.
Wealthy residents of oppressive countries may feel safer with their savings elsewhere. Dictators, fearing revolt, often do, too.
Step 5: Choose a country.
Switzerland's famous "numbered accounts" aren't as clandestine as they're portrayed in spy movies but do cater to the rich and ensure only a few bank executives know a client's name. Hong Kong has its own version ? "chop accounts," identified by a symbol. Congressional investigators counted 50 places that can be considered tax havens or financial hideaways.
Tax havens usually boast:
?Little or no income tax;
?Laws that make it a crime for banks to reveal account holders' names;
?A history of failing to cooperate with other nations' tax collectors.
Step 6: Open an account.
Law-abiding customers who can't travel to an offshore bank can usually set up an account by mail with little or no minimum deposit.
For tax evaders and those playing the angles, a network of accountants, lawyers and bankers is ready to set up shell companies and phony trusts to hide behind.
They can get creative. Former UBS banker Bradley Birkenfeld told investigators he helped a billionaire client withdraw his funds in the form of diamonds. Birkenfeld flew to America with the diamonds hidden in his luggage, inside a tube of toothpaste.
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People in america have get more and more dependent on credit score playing cards and loans to buy goods each big and small. Credit score playing cards and client loans have permitted Us residents to make acquisitions that are well outdoors of their means, that prospects to a vicious cycle as we try to borrow a lot more money to pay our existing money owed. Studies show that almost half of Us residents spend far more money each 12 months than these folks earn, and that the average family bears a number of thousands of bucks in credit credit card consumer debt. It has led personal personal bankruptcy scenarios to double in the last ten years.
Turning credit accounts, such as credit cards, can actually improve your credit score, as prolonged as you can retain the balances low ample to pay off each and every month. Unusually low interest rates possess prompted far more People in america to apply for additional credit score playing cards, nonetheless, which afterwards make a larger level of spending. Add to the entire mix the advent of Internet shopping, that commonly involves the use of a credit card, and we suddenly locate ourselves in trouble with no way out.
The common United states has approximately 3 financial institution credit cards, four list credit playing cards, and one debit credit card in his or her wallet. Alas, we dont see our earnings as a restrict for our investing, due to the fact People normal more than 20 percent in investing for just about every dollar earned. To put it in company terms, we end each and every fiscal 12 months negative, enjoy sometimes referred to as by the people as in the red.
There are ways to counteract these numbers. By taking duty for the acquisitions which we generate, we can begin to lower the amount of customer credit card debt in our own households. It is critical to produce a household budget, and then to stick to it implicitly. If there are large acquisitions which you experience you want make, start a savings accounts so that you can generate these purchases with cash. You should actually sense a feeling of accomplishment once you side over a debit card instead of a credit card, knowing which you possess truly earned the big-screen television or the laptop of your dreams.
If you experience that you are in over your mind with your credit credit card consumer debt, afterwards it is time to make some cell phone calls to your collectors. You can do the job out fee plans to reduce the month-to-month requirements, or you can function with the collectors to get the debts paid sooner. The a lot crucial thing, however, is which you consider the initiative to get your home financial debt underneath control.
Source: http://www.economicsfinance.com/revolving-credit-explained/
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Ecommerce is the short word abbreviation for electronic commerce. With Ecommerce, physical business transactions are replaced with virtual Internet transactions. Ecommerce also facilitates virtual contact between buyers and sellers, and does so at greatly reduced costs. Businesses all over the world are finding out the advantages of employing ecommerce hosting to dramatically change their way of doing business. The Internet is becoming the shopping venue-of-choice for more and more people all the time. Online sales have grossed over a billion dollars, and the statistics are growing daily. For those who are in the market for excellent ecommerce website hosting, Hosting Consumer Report will give them a good start. Some people who start a business online just use their sites as a sort of brochure for advertising purposes. But ecommerce domain hosting websites can also give information about your company and products, be an efficient way of communication with clients and customers or even be the main source of your business revenues. You can use Internet as virtual international marketplace for selling your products and services. Rely on ecommerce web site hosting as it helps you to keep in touch with your clients and run your online business. Ecommerce web site hosting is key to online business success. Ecommerce web hosting allows you to reach around the world and gain more potential customers. Many ecommerce hosting packages come with a shopping cart. The package includes a secure online payment gateway, ensuring secure transactions. Further it will provide web applications, a web hosting shopping cart and a database. There is also easy-to-use software included with each package. Thanks to today?s technology, many companies are successful due to ecommerce web hosting. Entering an E commerce business requires a lot of serious planning and conscious efforts to predict the results and assess future intricacies. Areas that mainly need to be concentrated being the full domain support, registration services, E mail services, fast page loading, 24/7 on line support. Finally the SSL if the job involves trading on line by providing security to the customers. Of course it isn?t necessary to shell out a lot of money for ecommerce hosting solutions, but in general, quality services with better results will cost something. If you pay for a web host, you?ll often find that you gain access to lots of free web tools and the ability to either use pre-made templates or create a unique design completely on your own. Tags: electronic commerce, physical business, ecommerce website
Source: http://mybestwebhosting.net/7145/ecommerce-hosting-for-your-business/
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Two weeks ago, Los Angeles Municipal Art Gallery welcomed a family event that gave everyone an education on the ?Cool School.? The Cool School was a group of Los Angeles artists who lived and worked in LA in the late-fifties, many of them guys who pushed creative expression to new levels. The group included artists like Ed Kienholz, Ed Ruscha, Craig Kauffman, Wallace Berman, Ed Moses, Robert Irwin, and overlapped with that of creatives in the area like John Baldessari and Dennis Hopper. Set in the beautiful Los Angeles Municipal Art Gallery atop of Barnsdall Park in association with their?Civic Virtue?show, the event was a giant celebration of all things Cool School?but, we all missed it. Don?t fret, though: you can have your own Cool School event and still catch the last few weeks of?Civic Virtue?(which closes Feb 12) by picnicking at Barnsdall Park during these beautifully sunny February days.
To have a Cool School picnic at Barnsdall, you don?t need that much: just some food and fun activities based around these prolific Los Angeles artists. Now, you can have it in a more formal fashion or in a more laid back fashion?up to you. But, first, we?ll cover some ideas for a carefully planned picnic.
Now, since you are dedicating some time to this, you should make lots of good food and find items to make art projects. To start, celebrate Robert Irwin with a nice cheese platter of white, disk-like cheeses with salt and pepper water crackers, all from the Silver Lake Cheese Store. If you are especially organized and prepared, you should also pick up a game of Tiddlywinks to play in the park, clear colorful disks that definitely do some Irwin evoking. As Ed Moses? paintings played with colorful thatching and patterns, you should do the same thing through side dishes: get tabbouleh or a nice caprese salad, two foods that have distinctive color and pattern play. For Craig Kauffman, why not make a main course of glass noodles and saut?ed vegetables, which you could even dye if you were in a particularly festive mood. The dish would be perfect for a hot day and can be served hot or cold?up to you. Dessert would definitely be honoring Ed Ruscha, where you could make a Jell-O that shifts in color and place sugar letters on its face (or in whipped cream) to clearly evoke him. Moreover, you could even bring a Polaroid camera and take photos as the sun sets, applying sticker letters on each of them to make little Ruscha paintings. Finally, make (and even leave around) assemblages like Wallace Berman?s, collecting found objects in the park, found photos/magazine clippings, and even paints you got from Blue Rooster on Vermont. Of course, do not make or leave a mess, but creating assemblages in the park could be very, very fun.
For more on Cool Schooling in Barnsdall (and cheaper, on-the-go options), check out Pacific Standard Time?s blog!
Source: http://www.laimyours.com/9647/have-your-own-cool-school-picnic/
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On eCommerce
Simply a few days back I was having a conversation with my friend. He was celebrating his baby?s first birthday and had to run between his native in Kerala and Chennai, his operating place. He and his better [*fr1] traveled between these places at least four times in last one month. Travelling with a 1 year recent is indeed a robust task. But I assumed how a lot of hardships he would need to make had he not booked his e-tickets from his pc! Visiting the reservation counters four individual times and standing behind the long queues! Thank God! Life these days is a heap easier.
My friend?s incident was just an example. Every day, e-commerce is making life easier for thousands of people. Since 1991 when the Internet was opened to industrial use, masses of businesses have taken up residence at internet sites. Unlike the ancient business approach, e-commerce means that to run the business online.
Each attainable business is now offered online. If you would like insurance, you?ll be able to get it over the internet or if you wish any electrical appliance, books or DVDs you?ll get from an on-line store like Amazon. In line with the present market trends, if you operate a business and have not thought of using ecommerce, your competitors can leave you behind for sure.
It appears pretty clear that business is moving ahead fast in this technologically driven world. So as to keep pace with the transformations in the business setting, most businesses currently-a-days flip to ecommerce internet development to unfold their business to the potential customer scattered all across the globe. There are two main sorts of ecommerce. These are B2B which is business to business ecommerce and B2C that is business to client ecommerce. The forerunning web development firms maintain the principles that drive the long run ecommerce and evaluate where a corporation?s business is heading in the future. Most of these ecommerce development professionals supply free consultation to firms going for ecommerce internet sites. It?s, however, essential to develop a dynamic and interactive net website with feature rich design and user friendly applications. The businesses can have additional interactive features therefore that the consumers keep visiting them and interact with them on a regular basis. The contents need to be updated frequently to remain recent with all the connected information therefore that customers can create their buying choices accordingly.
Nowadays most people first do their research on the web to check the price and quality of the product and once completed, they tend to transact over the internet primarily as a result of it is very convenient. But the fast development of the web technology and ecommerce has actually buried the danger factors and excavated new opportunities. It is very vital for an organization to stay the consumer knowledge safe. The danger factors, hence, are being dropped down together with the recent development of secured payment gateways, electronic payment solutions etc. E commerce development companies worldwide have taken up risk management strategies to professional-actively manage risks and insurance related issues. Probabilities of forgery, therefore, are slim and also the safe transaction system encourages a lot of and more folks to buy online. A high converting ecommerce web site creates a profitable stream. It conjointly reduces the cost of the order as ancient paper based mostly orders have a better cost to process. Therefore the sooner a company implements ecommerce in their business the a lot of in a position they can be to reap the rewards.
Writers Cafe has been writing articles online for nearly 2 years now. Not only does this author specialize in Ecommerce, you can also check out his latest website about:
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Source: http://www.ooztech.com/internet/on-ecommerce
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? TIGTA Recommendations For From 1099-R | Main | Son Fails to Probate Will; Loses Mineral Royalties ?
The Estate Planning & Community Property Law Journal at Texas Tech University School of Law will host the Fourth Annual Estate Planning & Community Property Law Journal Seminar on February 24, 2012. Attendees will receive 5.57 CLE or CPE hours and 1 ethics hour. A description of the seminar and a list of the speakers and their topics are below:
Speakers Include:
For a pdf. version of the Seminar's brochure and registration form, click here: Download 2012 Brochure and Form.
February 10, 2012 in Conferences & CLE, Estate Planning - Generally, New Cases, New Legislation | Permalink
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Link Building Strategies ? Part 1 [SEO#007] ? www.bonigala.com :The third episode of ?Ranking on Google? series in which I discuss link building. A brief introduction to the small business owners who want to understand what it takes to get ranked on Google. In this episode I talk about just two of basic strategies of link building. In the next episode I will explore more advanced strategies.
Source: http://www.localwebpro.net/online-video-marketing-web-video-marketing-internet-video-marketing/
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Riot Police push back protestors, one waving the Greek flag, who try to enter at the Parliament building at Athens' main Syntagma square, during a 24-hour strike on Tuesday, Feb. 7, 2012. A general strike against the impending cutbacks stopped train and ferry services nationwide, while many schools and banks were closed and state hospitals worked on skeleton staff. (AP Photo/Petros Giannakouris)
Riot Police push back protestors, one waving the Greek flag, who try to enter at the Parliament building at Athens' main Syntagma square, during a 24-hour strike on Tuesday, Feb. 7, 2012. A general strike against the impending cutbacks stopped train and ferry services nationwide, while many schools and banks were closed and state hospitals worked on skeleton staff. (AP Photo/Petros Giannakouris)
Riot Police stop protestors, one waiving a Greek flag, who try to enter at the Parliament building at Athens' main Syntagma square, during a 24-hour strike on Tuesday, Feb. 7, 2012. A general strike against the impending cutbacks stopped train and ferry services nationwide, while many schools and banks were closed and state hospitals worked on skeleton staff. (AP Photo/Thanassis Stavrakis)
Riot Police push back protestors, some waving the Greek flag, who try to enter at the Parliament building at Athens' main Syntagma square, during a 24-hour strike on Tuesday, Feb. 7, 2012. A general strike against the impending cutbacks stopped train and ferry services nationwide, while many schools and banks were closed and state hospitals worked on skeleton staff. (AP Photo/Thanassis Stavrakis)
Riot Police push back protestors who try to enter at the Parliament building at Athens' main Syntagma square, during a 24-hour strike on Tuesday, Feb. 7, 2012. A general strike against the impending cutbacks stopped train and ferry services nationwide, while many schools and banks were closed and state hospitals worked on skeleton staff. (AP Photo/Thanassis Stavrakis)
Charles Dallara, managing director of the Institute of International Finance, a banking lobby, arrives at Maximou mansion to meet Greek Premier Lucas Papademos in Athens, Tuesday, Feb. 7, 2012. Pressure from home and abroad is intensifying on Greece's political leaders as they prepare to meet Tuesday to decide on harsh cutbacks to secure a euro130 billion ($170 billion) bailout and avoid a potentially disastrous default. (AP Photo/Thanassis Stavrakis)
ATHENS, Greece (AP) ? Greece's private creditors signaled progress late Tuesday on a debt-relief deal but crucial talks between Greek coalition leaders about forcing more austerity upon a hostile public were again postponed.
Anger flared on the streets of Athens as more than 20,000 protesters marched through the Greek capital and unions called a general strike Tuesday against the new cuts in jobs and spending. The strike halted trains and ferries, closed down schools and banks and put state hospitals on short staffing.
Several hundred protesters clashed with riot police outside Parliament and set fire to a German flag ? upset over Germany's role in demanding more austerity from Athens.
"They are committing a crime against the country. They are driving wage-earners into poverty and wiping out pensioners and the unemployed," said Vangelis Moutafis, a senior member of Greece's largest union, the GSEE. "They are selling off state assets for nothing. This cannot continue."
Greek Premier Lucas Papademos delayed a meeting with his coalition parties till Wednesday, staying in talks until late in the night with top bank negotiators as well as with debt inspectors from the European Union and the International Monetary Fund.
Greece is under massive time pressure to secure a new euro130 billion ($170 billion) bailout from its partners in the euro and the IMF without which it will default in March on its massive debts.
Representatives of the Institute of International Finance, which has been leading the talks for private bondholders on forgiving Greece part of its debts, had a "constructive meeting" with Papademos, IIF spokesman Frank Vogl said.
Papademos and Finance Minister Evangelos Venizelos will soon brief the rest of the 17-nation eurozone on the proposed deal, Vogl said ? a sign the bond-swap deal could be close.
The meeting of eurozone finance ministers could happen as soon as Thursday in Brussels, according to officials, although that will depend on finding agreement in Athens on the terms of the second bailout.
Greece has been kept solvent since May 2010 by payments from a euro110 billion ($145 billion) international rescue loan package. When it became clear the money would not be enough, a second bailout was decided last October.
As well as passing new austerity measures, the second bailout depends on Greece's separate talks with banks and other private bondholders to forgive euro100 billion ($132 billion) in Greek debt. The private investors are expected to swap their current bonds for new bonds worth 50 percent less than the original face value, with longer repayment terms and a lower interest rate.
Without the new debt deals, Greece would face a disastrous default in late March.
The intense talks in Athens were supposed to be finished last weekend, but have dragged on over EU-IMF demands for a new round of austerity measures that include civil service job cuts and slashing Greece's minimum wage.
The Greek government has already accepted that it must cut 15,000 state jobs in 2012 to get the new bailout, as well cut 2012 spending by a further euro3.3 billion ($4.3 billion), reduce wage costs in the private sector and recapitalize banks without nationalizing them.
But disagreement remains between Greek lawmakers on the extent of those cuts.
A government official said Papademos' draft agreement on the austerity deal would be sent to Greek party leaders for scrutiny early Wednesday. "It took much longer than expected," the official told the AP, speaking on condition of anonymity due to the sensitivity of the talks.
The government's coalition partners ? the majority Socialists, main rival conservatives and the small right-wing LAOS party ? are also at odds over whether to go ahead with plans for an early election in April.
The Socialists, who handed over power to Papademos in November, want him to stay through parliament's four-year term that ends in late 2013, while conservatives are demanding an April vote.
LAOS leader George Karatazferis also criticized eurozone heavyweights France and Germany on Tuesday, saying they were carrying out an "aggressive humiliation of Greece" with all their demands for new austerity measures.
A disorderly bankruptcy by Greece would likely lead to its exit from the eurozone, a situation that European officials have insisted is impossible because it would hurt other weak countries like Portugal, Ireland and Italy.
But on Tuesday, the Neelie Kroes, one of the EU's 27 commissioners, said Greece's exit wouldn't be a disaster.
"It's always said: if you let one nation go, or ask one to leave, the entire structure will collapse. But that is just not true," Kroes told Dutch newspaper De Volkskrant.
She added that "Greece is not living up to its promises: too few savings, too few reforms ... It's becoming a Greek mantra: 'We cannot. We won't'!"
But EU Commission President Jose Manuel Barroso quickly stepped in to counter her remarks.
"We are in a very decisive moment regarding the future of Greece and the future of the euro. We want Greece in the euro," he said. "The costs of a default by Greece, the costs of a potential exit of Greece from the euro would be a lot higher than the costs of continuing to support Greece."
While Greece remains cut off from international bond markets ? where it would have to pay interest of about 35 percent to sell 10-year issues ? it maintains a market presence through regular short-term debt sales.
On Tuesday, Greek borrowing costs dropped slightly as the country raised euro812 million ($1.06 billion) in an auction of 26-week treasury bills. The interest rate was 4.86 percent, compared to 4.90 percent in a similar auction last month. The auction was 2.72 times oversubscribed.
___
Steinhauser reported from Brussels, Demetris Nellas and Nicholas Paphitis in Athens contributed to this report.
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