Tuesday, 31 July 2012

PaidContent Founder Rafat Ali Takes on Travel Business With Skift ...

Is the travel category in need of a digital media disruption? Rafat Ali believes so.

Ali, who in the early 2000s founded PaidContent, has unveiled Skift, a Web property targeted at the travel industry and business travelers. Initially focused on news for folks in the hotel, cruise and tourism businesses, Skift.com aims to revolutionize the travel world with data.

"That is where the real opportunity lies,? said Ali.

According to Ali, there is loads of publicly available data from different sectors of the travel world, such as delay and lost luggage information from the over 600 U.S. airports, or tourism growth stats for each state. But nobody?s taken the initiative to compile it all in a useful way.

"It's comically archaic," he said. "This data is sent around in Excel sheets. There's no value that you can get out of it, especially historically. So we're looking at?building the largest repository of travel industry data and then?building services on top of it."

Ali has shaken up media sectors before. He started PaidContent at a time when blogs were just gaining traction and credibility and aggregation was still viewed as illegitimate by some. But soon the site became a must-read, both for its comprehensive nature and breaking news.

Ali, who left PaidContent after it was sold to The Guardian in 2008, has spend several years prepping Skift (PaidContent is now owned by GigaOm). He sees a sleepy category when it comes to travel trades, one that is ripe for an outsider approach and a blend of consumer and industry content. ?Politico is the closest analogy,? he said.

Skift.com will be ad supported; the plan is to go after industry sponsors as well as brands looking to reach frequent business travelers. The site will eventually offer a slew of subscription-based data products.
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Source: http://www.adweek.com/news/press/paidcontent-founder-takes-travel-biz-142282

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Scranton agrees to pay workers full wages

By Patrick Rizzo, NBC News

The financially-strapped city of Scranton, Pa., has settled with unions representing?its police, firefighters and public works unions in a deal over the mayor's plan to slash?workers' pay to minimum wage.

The Scranton Times reported Monday that under the agreement, Mayor Chris Doherty will pay workers in full by Aug. 17 all the wages they are supposed to get by contract, plus 6 percent interest. In return, the unions have agreed to drop a lawsuit against the mayor that?accused him of civil contempt for defying a judge's order and cutting wages for the city's 398 employees?to $7.25 a hour.

Scranton is among a number of cities struggling to pay their bills amid rising labor costs. Earlier this month, Stockton, Calif., became the largest city in U.S. history to file for bankruptcy protection from creditors.

Scranton's mayor and the city council have been locked in a dispute over how to raise money in a city that has steadily lost population over the past 50 years and?has been hit hard by the real estate slump and the Great Recession that followed. Doherty has argued that the city needs to increase?taxes, but council members want to find other ways to raise money. Doherty is a Democrat as are all the members of the city council.

Related:?Thousands of U.S. towns face budget squeeze

More money and business news:

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Source: http://bottomline.nbcnews.com/_news/2012/07/30/13033548-scranton-agrees-to-pay-workers-full-wages-instead-of-minimum?lite

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Food Review ? Drink Coffee For A Good Cause at Mbuji Cafe : Emm ...

By: stephanie


July 30th, 2012 ? Related ? Filed Under feature photo

Mbuji Cafe is a coffee chain with African theme selling different types of coffee beans from countries over the world and recently opened in Tropicana?City Mall.?It was? at Sunway Giza for quite some years before relocated?in?Subang Carrefour.?Decided to try out this cafe?for its? impressive decor like a? tribal village?(also because Starbucks has? limited choice of food). Find out that part of the money will go back to the Tarzanian Community?after reading their menu.

I was rather disappointed by the food presentation of Bolognese Spaghetti (RM14.90). Served with two slices of garlic bread, but both don?t look very appealing either from its serving and the portion was too small, one is not enough to feed a tiny? hungry me. Moreover, the sauce is ?just enough? for the spaghetti and the? meat chunks can barely count with fingers.

Cheese Mushroom Bruschetta (RM9.90). The baguette bread slices are too thin and the bread tore apart as you lift it up caused by the soggy topping. Overall the taste is quite good except it was overly spicy.

Flat White (RM9.20) and Caf? Latte (RM9.20) is the only satisfying thing of the entire meal. The coffee is not too bad, but Flat White tastes better! Both flat white and caf? latte are said to be almost similar except that both have the different ratio of milk and espresso. Flat white originated in the Australia in the late 1970?s and contains more milk foam than caf? latte, traditionally served in a ceramic cup, if you want to know.

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Assorted pastries (cookies, macaron, brownies, cup cakes etc) are available here. I have not tried their pastries personally but the amount of cream / icing / colouring used for topping? held me back (not sure if it?s? an aging symptom or me being overly health conscious).

Despite the food, I don?t mind to continue my coffee adventure with Mbuji Caf? since they serve nice coffee? and also something ?different?? like Coffee Orange and Coffee Mint. Hope to see?improvement in food?next time I return.

MBuji Caf? Lot G-51, Tropicana City Mall, 3, Jalan SS20/27, 47400 Petaling Jaya. Tel: 03-79317936

Source: http://emm-a-man.com/emmaman/2012/07/30/food-review-drink-coffee-for-a-good-cause-at-mbuji-cafe/

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batholomew jungle: Sports & Recreation: The Fantasy Sports Brain ...

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Source: http://robertsonvance94.typepad.com/blog/2012/07/sports-recreation-the-fantasy-sports-brain-setyafegs-posterous.html

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Risk Of Diabetes In Women Increased By Chemicals In Personal Care

Article Date: 16 Jul 2012 ? 1:00 PDT

A study lead by researchers from Brigham and Women?s Hospital (BWH) shows an association between increased concentrations of phthalates in the body and an increased risk of diabetes in women. Phthalates are endocrine disrupting chemicals that are commonly found in personal care products such as moisturizers, nail polishes, soaps, hair sprays and perfumes. They are also used in adhesives, electronics, toys and a variety of other products. This finding is published online in Environmental Health Perspectives

Researchers, lead by Tamarra James-Todd, PhD, a researcher in the Division of Women?s Health at BWH, analyzed urinary concentrations of phthalates in 2,350 women who participated in the National Health and Nutrition Examination Survey. They found that women with higher levels of phthalates in their urine were more likely to have diabetes. Specifically:

  • Women who had the highest levels of the chemicals mono-benzyl phthalate and mono-isobutyl phthalate had almost twice the risk of diabetes compared to women with the lowest levels of those chemicals.
  • Women with higher than median levels of the chemical mono-(3-carboxypropyl) phthalate had approximately a 60 percent increased risk of diabetes.
  • Women with moderately high levels of the chemicals mono-n-butyl phthalate and di-2-ethylhexyl phthalate had approximately a 70 percent increased risk of diabetes.

The study population consisted of a representative sample of American women and was controlled for socio-demographic, dietary and behavioral factors. However, the women self-reported their diabetes and researchers caution against reading too much into the study due to the possibility of reverse causation.

?This is an important first step in exploring the connection between phthalates and diabetes,? said Dr. James-Todd. ?We know that in addition to being present in personal care products, phthalates also exist in certain types of medical devices and medication that is used to treat diabetes and this could also explain the higher level of phthalates in diabetic women. So overall, more research is needed.?

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source: http://www.medicalnewstoday.com/releases/247852.php

Source: http://zerotoherotv.com/2012/07/risk-of-diabetes-in-women-increased-by-chemicals-in-personal-care-products/

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Australia loses to Brazil at Olympics basketball

An Australian side lacking NBA star centre Andrew Bogut came up short in its Olympic opener, falling to a Brazil team with four NBA standouts 75-71 on Sunday in round-robin Group B play.

Leandrinho Barbosa scored 16 points, Marcelinho Huertas 15 and Anderson Varejao 12 for the South Americans, who needed two free throws from Huertas with five seconds remaining to seal victory.

It was the sort of game where Bogut, a 7-foot-2 big man with the NBA Golden State Warriors, could have made a difference for the Boomers against Varejao and other large NBA rivals.

"He is a difference maker. He is a game changer," Australian coach Brett Brown said.

"You miss a major defensive weapon. He's among the top three to five centres in the world when he's healthy. The players we have are physical and mobile but they are not 7-foot-2."

Bogut suffered a broken left ankle in an NBA game last January and had been bothered by nagging right elbow and hand injuries for years before that.

Bogut did offer some words of encouragement from afar, posting the Twitter message: "Forget the last one, remember the next one."

Brazil played an up-tempo and physical style that tested the Aussies.

"It was a tough game. That's how it's going to be in the Olympics," Varejao said. "You can have a lot of ups and downs like we did. We knew what was going to happen, pushing, provocations. But when the game is like that I like that."

Patrick Mills, a guard who is an NBA teammate of Brazil's Tiago Splitter on the San Antonio Spurs, led the Aussies wth 20 points while Joe Ingles added 15 points and David Andersen contributed 14 for the Boomers, who next face Spain and confident say they can upset an NBA-filled team led by NBA star Pau Gasol.

"No question at all," Mills said. "We take a lot of positives from this game. It was good preparation for Spain. We're disappointed we got the loss but we still believe we can do something special."

Brazil led 36-35 at half-time and opened the third quarter with a 16-4 run, back-to-back driving layups by NBA big man Nene Hilario and Splitter capping the run to give their side a 52-39 edge, their biggest of the game.

But Australia scored the next eight points and battled to the finish in the fourth quarter, an Ingles bank shot with 29 seconds remaining pulling them within 73-71. A Mills foul after a failed steal attempt led to Huertas hitting the deciding free throws.

"Our guys showed great resolve," Brown said. "We didn't quit. We had some runs in us when the game was going the other way on us."

Source: http://news.yahoo.com/australia-loses-brazil-olympics-basketball-141057277.html

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Essential Foods and Tips to Help You Loose Weight | Snapoint

lose weightAs you know, the more calories you eat the more you must burn to loose weight. And as we get older our metabolism slows down, sometimes considerably. A very important step in speeding your metabolism up is eating breakfast. Starving yourself all day is not the way to lose weight. You should eat smaller meals more frequently, drink lots of water, and consider taking B-12 for energy.

Below are a few foods that besides their health benefits help in boosting your metabolism, making you feel full quicker and stay feeling full longer.

1. Green Tea. ?Green Tea has a lot of health benefits. It?s full of antioxidants, and will give your metabolism a slight boost.

2. Mushrooms. ?Research has shown that eating mushroom based entries makes you feel just as full as eating the same dish made with beef. Mushrooms only contain a small percentage of the calories and fat that you would find in beef.

3. Almonds. ?According to a study in the American Journal of Clinical Nutrition, participants were asked to chew a 2 ounce serving of almonds 10, 25, or 40 times. The participants said they felt fuller when chewing 40 times. Chew more to feel fuller. Almonds are rich in fatty acids and protein and help burn fat by boosting your metabolism as well.

4. Beans. ?Beans are a very healthy low calorie food rich in protein. They are low fat and very high in fiber. Because they release protein slowly, you can eat a lot without gaining weight.

If you have to eat between meals try snacking on fruits and vegetables (broccoli and cauliflower?are known to help prevent cancer). Try different dips like ranch dressing, french onion dip, etc. if you are not very fond of fresh vegetables alone. Try eating a salad before dinner. Not only is salad nutritionally good for you, it helps fill you up quicker so you do not eat as much.

Of course loosing weight and keeping it off involves eating right and exercise. If you do not have an exercise routine and are unsure how to begin, keep it simple. Start off by walking in the evening about a half an hour after dinner. There are many benefits to walking in the evening besides decreasing body fat and increasing metabolism. Walking also increases good cholesterol, strength, and your immune system. Walking helps reduce high blood pressure and the risk of type II diabetes as well.

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About Shonda Kellams

I am a freelance writer and I enjoy writing about relationships, family, and online business. I charge $10-$25 an article depending on the length you require. Contact me by using the Contact Us at the top of every page.

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Tags: easy way to lose weight, fitness, foods that help lose weight, healthy eating, lose weight, lose weight easily, speed up your metabolism, weight loss advice, weight loss tips

Source: http://snapoint.org/2012/07/essential-foods-and-tips-to-help-you-loose-weight/

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Today's Birthday: Henry Ford

The Inception of the Ford Motor Company

Ford showed mechanical aptitude at an early age and left (1879) his father's farm to work as an apprentice in a Detroit machine shop. He soon returned to his home, but after considerable experimentation with power-driven vehicles, he went (1890) to Detroit again and worked as a machinist and engineer with the Edison Company. Ford continued working in his spare time as well, and in 1896 he completed his first automobile. Resigning (1899) from the Edison Company he launched the Detroit Automobile Company.

A disagreement with his associates led him to organize (1903), in partnership with James Couzens, the Dodge brothers, and others, the Ford Motor Company. In 1907 he purchased the stock of most of his associates, and thereafter the Ford family remained in control of the company. By cutting the costs of production, by adapting the conveyor belt and assembly line to automobile production, and by featuring an inexpensive, standardized car, Henry Ford was soon able to outdistance all his competitors and become the largest automobile producer in the world. He came to be regarded as the apostle of mass production. In 1908 he designed the Model T; over 15,000,000 cars were sold before the model was discontinued (1928) and a new design?the Model A?was created to meet growing competition. Highly publicized for paying wages considerably above the average, Ford began in 1914?the year he created a sensation by announcing that in future his workers would receive $5 for an 8-hr day?a profit-sharing plan that would distribute up to $30 million annually among his employees.

Later Years

In 1915 in an effort to end World War I, he headed a privately sponsored peace expedition to Europe that failed dismally, but after the American entry into the war he was a leading producer of ambulances, airplanes, munitions, tanks, and submarine chasers. In 1918 he ran unsuccessfully for the U.S. Senate on the Democratic ticket. After weathering a severe financial crisis in 1921, he began producing high-priced motor cars along with other vehicles and founded branch firms in England and in other European countries. Strongly opposed to trade unionism, Ford?who incurred considerable antagonism because of his paternalistic attitude toward his employees and his statements on political and social questions?stubbornly resisted union organization in his factories by the United Automobile Workers until 1941. A staunch isolationist before World War II, Ford again converted his factories to the production of war material after 1941. In 1945 he retired.

Other Accomplishments and Controversies

His numerous philanthropies, in addition to the Ford Foundation, included $7.5 million for the Henry Ford Hospital in Detroit and $5 million for a museum in Dearborn, where in 1933 he established Greenfield Village?a reproduction of an early American village. Ford also wrote, in collaboration with Samuel Crowther, My Life and Work (1923), Today and Tomorrow (1926), Moving Forward (1931), and Edison as I Knew Him (1930).

Ford's international reputation made him a natural target for journalists. His libel suit against the Chicago Tribune in 1919 led to an examination by the Tribune attorney, intended to show Ford's lack of education. Anti-Semitic articles in Ford's Dearborn Independent brought further legal controversy; he was forced to apologize for the articles. In the 1930s, Ford was widely attacked for employing Harry Bennett, a former boxer who established a squad of thugs to spy, beat up, and otherwise intimidate union organizers.

Ford was also a poor manager who failed to capitalize on his company's early success. In the 1920s he failed to respond to consumer tastes by introducing new models and the company fell far behind General Motors. By the time of his retirement, the company's accounting procedures were so primitive that Ford's managers were unable to accurately tell how much it cost to manufacture a car and the company was losing $9.5 million a month.

The Next Generations

His son, Edsel Bryant Ford, 1893?1943, b. Detroit, shared in the control of the vast Ford industrial interests. He was president of the Ford Motor Company from 1919 until his death, when his father once more became (1943) president of the company. The eldest Ford soon retired again when his grandson, Henry Ford II, 1917?87, b. Detroit, succeeded him in 1945. The younger Henry Ford moved quickly to restructure and modernize the company, which had slipped from the world's largest automobile manufacturer in 1920 to number three in the U.S. market in 1945. He removed a number of long-time Ford executives, such as Bennett, and for the first time in company history, recruited outsiders for positions of responsibility. In a remarkable turnaround, the company spent $1 billion between 1945 and 1955 to expand its operations, introduced successful new models, and raised $690 million in capital by offering stock to the public (1956). Although Ford modernized and revitalized the company, his tenure also saw the introduction of the Edsel, which lost the company $250 million, and Ford's autocratic management style forced a number of top executives, such as Lee Iacocca, to quit. In 1960 Ford became chief executive officer and chairman of the corporation, offices he held until retiring as CEO in 1979 and as chairman in 1980. Since then nonfamily members have headed the company but the family retains control of the company.

Bibliography:

See biographies by Allan Nevins and F. E. Hill (3 vol., 1954?62), Booton Herndon (1969), and Robert Lacey (1986); R. M. Wik, Henry Ford and Grass-Roots America (1970); Peter Collier and David Horowitz, The Fords (1987).

Source: http://www.infoplease.com/birthday?month=Jul&day=30

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Monday, 30 July 2012

Big crowd cheers Renton River Days parade; Liberty Park bustles

By Rochelle Adams

For the Renton Reporter

The IKEA Renton River Days parade began Saturday morning with blaring police sirens and flashing lights. Police officers on motorcycles led the procession down Third Avenue as locals lined the street, sitting on blankets and fold out chairs.

A variety of groups followed ranging from fire fighters to veterans and pirates to clowns.

?I love it,? Marcus Lee Jones said of the parade. He attended the event for the first time this year to see his daughter perform during the parade with the Dangerettes Drill Team. ?I love seeing everybody?s community coming together and doing their thing.?

He particularly enjoyed the beginning of the parade with the police.

?I got law enforcement in my family,? Jones said.

Crowd members screamed as the Seafair Pirates ship float let out an explosive crack like a canon and shot smoke into the air.

?Everybody loves the pirates,? said Sean Levias, who has attended Renton River Days every year since 2003. ?That big boom always scares the kids so we have to teach them when to hold their ears and everything, but it?s fun.?

Levias said he was enjoying the drill teams, the clowns and bands, with his favorite being the Seahawks Blue Thunder Drumline.

While the group performed, Levias clapped in time with the drums cheered.

?I?ve been in drill team since I was a kid,? he said. ?I love bands. I used to be a drum major back in the day. It?s something I love and am passionate about.?

River Days continues Sunday at Liberty Park and nearby venues, with the Rubber Ducky Derby at 4:30 p.m. off the? Houser Street bridge over the Cedar River.

The festival portion of the event takes place at Liberty Park with face painting, a petting zoo, live musical performances, a food court and several other activities.

The petting zoo attracted several children and adults who waited to take their turn at feeding and petting the animals.

Eight-year-old ?Cameron Brown asked if he could buy one of the goats as a grey and white goat ate feed from his palm. His mother ?Taryn Lewis ?said no, but bought him more treats to feed the goat with.

?This is what River Days is about,? Brown said.

Lewis and Brown attend the event every year for the zoo as well as the vendors and other activities.

?There are a lot of things for him to do,? she said. ?He just enjoys coming down and doing all this stuff and eating and seeing all the people.?

Peter Goss attended the Renton River Days with his wife and two children. They attended the event last year and decided to come again this year after reading about it in the newspaper.

?We love it,? he said. ?It?s a lot of fun. The kids are old enough now that they really enjoy the kids activities and just hanging out and having fun.?

The Goss family also enjoyed the food court. While the kids went for the corndogs and ice cream, Goss said his favorite was the stir fry.

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Source: http://feeds.soundpublishing.com/~r/rennews/~3/sCNay_4DGwE/164160136.html

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Romney to visit Poland WWII site, meet Lech Walesa (The Arizona Republic)

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WWE Star Has Tumor Removed That Caused His Size

World Wrestling Entertainment star Dalip Singh, better known by his ring name The Great Khali, underwent surgery Wednesday to remove a tumor that caused his huge size.

At 7-foot-1 and weighing 347 pounds, Singh, a former police officer in India's Punjab province, made his WWE debut in 2006, and won the World Heavyweight Championship belt just a year later. But while his dimensions have earned him celebrity status, they are the result of a tumor that likely triggered long-term complications for his health.

The benign tumor developed on Singh's pituitary gland, a tiny gland at the base of the brain that produces growth hormone. The tumor caused excessive secretion of the hormone, leading to a condition known as acromegaly, which causes gigantism if the tumor is active before puberty and can be fatal if left untreated, said Dr. Joshua Cohen, an endocrinologist at George Washington University.

Despite the surgery on Wednesday, Singh, 39, is at greater risk of facing health problems such as diabetes, hypertension, heart disease and even poor vision if the tumor came into contact with the nearby optic nerves, Cohen said. In 1993, star wrestler Andre the Giant, who stood at 7 feet and 5 inches, and weighed 500 pounds, died at age 46 of congestive heart failure caused by acromegaly.

Susan Manko, a spokeswoman for University of Pittsburgh Medical Center, where Singh was operated on, said Singh was "recovering well in the hospital" and is expected to be released by Monday. Singh has declined to speak to reporters until then, Manko said.

The signs of Singh's acromegaly are instantly obvious, said Dr. Glenn Braunstein, an endocrionologist and chair of the medicine department at Cedars-Sinai Medical Center in Los Angeles ? raising the questions, he added, of whether and for how long WWE knew about it, and whether treatment was put off because Singh's surging growth hormone levels were helping him become one of the most formidable wrestlers in the nation.

"The prominent eyebrows, the bulbous nose, the chin protruding, the massive ears ? this is quite typical of patients with acromegaly," said Braunstein, who said he could make a clear diagnosis based on the few seconds it took him to conduct a Google image search.

WWE identified Singh's acromegaly at some time prior to his surgery through its Wellness Program, a WWE official said on condition of anonymity because he was not authorized to speak to the press about Singh.

Singh and Andre the Giant ? whose real name was Andre Roussimoff and who may be best remembered for his acting role as the giant Fezzik in "The Princess Bride" ? are far from the only high-profile wrestlers to have reaped benefits from acromegaly.

Italian boxing and wrestling champion Primo Carrera died in 1967 at age 59 of diabetes, determined years later to be a complication of acromegaly.

Antonio Silva, a Brazilian mixed martial artist and Ultimate Fighting Championship fighter, was suspended from fighting for a year because he tested positive for steroids that his coach said were needed to boost his testosterone levels, abnormally low as a result of his acromegaly.

Source: http://feeds.abcnews.com/click.phdo?i=d6a83fdea54d67d7932d7cf9ab3bc629

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How to speed up slow retail business | Winston Marsh

It?s obvious that some retailers have started to believe the rumour going around that times are tough and customers just aren?t spending any more.

Leastways that?s the impression I gained as I strolled around a heavy density retail area where there were more store staff than potential customers.

And most were doing nothing about their plight. Well, a few were re-arranging stock to attract the attention of the non existent customers.

But most were doing very little? gazing into space praying hopefully for customers, reading a book or on the phone to a friend? anything to wile away the time to closing.

Here are just 5 thoughts on what they could have been doing:

1. Thinking about where their likely customers might be so that they could hand out a ?big offer? flyer.

2. Writing a compelling advert for radio, television, the newspaper or flyer to letterbox drop.

3. Sending an email with a great offer to their database (that?s if they bothered to get contact details from customers).

4. Twittering or FaceBooking something special (running a competition) that might excite interest (or using the events tab of Facebook for just that? to stage an event).

5. Sharing databases with other non- competitive retailers to promote special offers to each other?s customers.

In tough times you?ve just got to get out there and tell your story. As one of my favourite authors (Frank Bettger) says, ?Show me a person who earnestly and enthusiastically tells their story to just four people every day and I?ll show you a very successful person!?

If times are proving a little tough for you, have you told your story, earnestly and enthusiastically, to four people today?

Source: http://www.winstonmarsh.com.au/2012/07/how-to-speed-up-slow-retail-business/

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Bad Credit? Start Fixing It With These Tips | Creative Techniques To ...

Are you struggling with your bad credit? Credit score problems are increasingly common in this bad economy. There are, however, ways to better it, so be sure to read these tips to repair it.

Keep track of all the info on your credit report, so you can file a complaint if the report has errors on it. It is important to keep a record of all correspondence, whether it is via the telephone, regular mail or email. Send your dispute letter as certified mail so you can prove it was received.

Debt Consolidation

Learn the ins and outs of consolidation before you consider it as an option for your own debt situation. For many cases, debt consolidation is the best way to reduce debt, and it can repair your credit quickly. All of your debts are rolled into one payment making it easier to manage. When considering debt consolidation you will need to ensure that you can afford the payment amount.

It?s vital that you actually begin paying the bills that you have if you want to improve your credit. More precisely, you must begin paying your bills fully and on time. Your credit score starts to improve immediately upon paying off some of your past due bills.

TIP! Debt collectors can be like sharks. The consumer can use cease and desist orders, but these only stop harassment.

One way you can fix your credit is by taking small steps to build good credit. Prepaid credit cards offer a risk and worry free opportunity to slowly increase your credit score. Doing this shows lenders that you can be trusted with credit.

There are secured credit cards available if your credit rating is too low to open up a regular credit card account. This card is very easy to get, because you put money into an account ahead of time and then spend from that, so the bank doesn?t have to worry about not getting their money. If you use it correctly, a new card can help you fix your credit.

When trying to improve bad credit, beware of companies who promise that they can erase any negative, but correct items, on your credit report. Bad marks on your report will not go away for seven years. If there is incorrect, negative information, you can get it removed.

Interest Rates

To avoid paying too much, you can refuse to pay off huge interest rates. You may be able to challenge an interest rate that is extremely high. It is important to take into account the fact that you did sign a contract and agreed to pay off the attached interest. If you plan on suing your creditors, you may be capable of having the interest rates viewed as being too high.

Try not to file bankruptcy if at all possible. The fact that you filed for bankruptcy is noted in your credit report and will stay there for 10 years. Though the idea of ridding yourself of debt can sound appealing, the long term consequences just aren?t worth it. Filing bankruptcy makes it difficult if not impossible to get anything involving credit, like credit cards and loans, in the future.

TIP! If you want to get a higher credit score, try taking out some credit and paying it off as quickly as you can. It increases the number of ?paid as agreed? tradelines on your credit report and shows companies that you are turning things around.

You may want to seek out credit consolidation programs if you find improving your credit scores difficult. With one simple debt payment, it will be easier for you to manage your finances and get out of debt. Doing so can help you to pay and improve your credit rating.

If you have a hard time resisting the temptation of credit, then ask your creditors to lower your spending limits. This is only a viable option if you are able to maintain a low balance on what you owe. You won?t want to reduce your available credit to the point that your credit cards are charged up to the maximum limits.

Credit Card

TIP! If you want a higher credit rating, you will need to bring down the balance on any existing accounts. Just lowering your balances can raise your credit score.

Working closely with the credit card companies can ensure proper credit restoration. When you work with company you are not working against anyone, including yourself. This will help prevent furthering yourself into debt. Credit card agents may have the authority to eliminate monthly charges, extend your due date or change your billing cycle.

Use these tips to eliminate your stress regarding your poor credit. By applying these tips, you can improve your credit score

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Source: http://www.corporatefasttrack.com/cftblog/bad-credit-start-fixing-it-with-these-tips

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Sunday, 29 July 2012

They Key To Building These Huge Muscles! ?

Building muscle may be one thing you aren?t informed about, or you might be an authority. Whichever your level of familiarity with body building, you can always discover more information and facts and ways of getting the body you need to see in the mirror. Continue reading for efficient tips on muscle building.

You might want to include expanded crack periods into your long-term strategy for body building. All weight training calls for recovery time periods somewhere between exercises, but you can improve your overall performance by taking the infrequent very long split. Stopping exercise for one 7 days (or even two) gives the body an opportunity to recover totally. Make sure you proceed eating healthy during an expanded crack, however.

If you wish to construct your muscle tissues, it is essential to do is start a rotation. It is far from achievable to operate on the very same muscles daily. The process is really a fast method to wreck your projects as well as burn your self out rapidly at the gym.

Growing the quantity of unhealthy calories that you choose to take in from a remarkable amount for three days and nights can aid you to enhance your muscles quite drastically. Consume 50Percent more calorie consumption than you usually do for 3 time and you will probably be ale to activate the growth from the muscle groups.

Attempt to add a creatine nutritional supplement. Results can differ, but a majority of individuals have discovered that adding 5mg of creatine monohydrate each day will help our bodies train for a longer time as well as at higher intensities ? ultimately causing increased muscle tissue expansion. There has additionally been research that has shown that creatine, when combined with proteins and carbohydrates, can immediately improve muscle mass progress.

Don?t consider to concentrate on equally aerobic and durability concurrently. This is not to say you must not conduct cardiovascular workout routines when you are trying to build muscle mass. The truth is, cardiovascular is an essential part of health and fitness. Nonetheless, you must not heavily coach cardio, such as preparing for a marathon, in case you are attempting to pay attention to building muscle. The two types of exercises can clash, reducing efficiency on both fronts.

Understanding what supplements to take can easily make a massive difference in muscle mass building. A lot of people use vitamin supplements to assist them to develop muscle tissue. Educating yourself on appropriate health supplement ingestion is as crucial as resistance training itself. Therefore it is essential you are aware of what dietary supplements to adopt before you begin an exercise and after having an exercise routine.

Muscle development isn?t so difficult once you have the proper approach. In this post, you?ve acquired the ideal approaches to formulate your body properly and securely. Applying the following tips to the workout routine gives you effects sooner than you might count on, why then hold out? Start working now!

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Source: http://all-articles-directory.com/they-key-to-building-these-huge-muscles/

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ACTIVISTS ARRESTED

A scuffle between cycling activists and police outside the opening ceremony resulted in 182 arrests, officials said.

Four people have been charged with various offenses during Friday night's protest, while the rest were released pending further questioning, Scotland Yard said Sunday.

Police said that they were aware that a monthly protest by cyclists was planned for Friday but ordered the protesters to remain south of the River Thames. That was to keep them from blocking more than 80,000 ticket-holding guests from attending the Olympics opening ceremony. Those arrested tried to breach the Olympic Park's security cordon, officials said.

___

EDITOR'S NOTE ? "Eyes on London" shows you the Olympics through the eyes of Associated Press journalists across the 2012 Olympic city and around the world. Follow them on Twitter where available with the handles listed after each item, and get even more AP updates from the Games here: http://twitter.com/AP_Sports

Source: http://news.yahoo.com/activists-arrested-062638819--oly.html

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Minister of Communication Al Khalfi Dissatisfied with the Quality of TV

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

Source: http://www.moroccoworldnews.com/2012/07/49641/minister-of-communication-el-khalfi-dissatisfied-with-the-quality-of-tv-programs-during-ramadan/

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Houston Site Retail Space | ApostolicCM.com Answers

According to Cresa, Houston?s Site Acquisitions is experiencing high buoyancy ? and this is not just a flash within the pan. Houston practical significant gains in the last quarter of 2011 and is continuing to grow inside the first quarter of 2012. A number of power companies like Greenway, Woodlands and power Corridor signed big leases last year and this have led to a citywide growth inside class ?A? office rental space. The occupancy price has climbed to an impressive 87.7 % inside 2012 which is a growth of over 2.3% over the previous year. more than half a dozen sectors have even reported more growth than the market average by posting 90% occupancy or more. together with an increase inside tenant demand, developers cannot remain immune to the enthusiasm and few new build-to-suit projects has been signed.

High tenant demand and expanding base of vacancy coupled along with limited availability can lead to surefire growth within classified ad leasing rates. inside fact, Houston is all set to go against the national trend of shrinking growth statistics. As long as oil prices remain stable and vacancy prospects follow predicted figures, demand for office space inside Houston will continue to go north. Thus, whole world who is interested inside investing inside classified ad real estate in Houston can expect a positive money flow within the years to approach. That said, a new industry that is looking for office space in Houston might want to lease office space rather than buy one.

While rental rates in Houston have registered a growth (on an average climbing from $28 per square feet to $28.50 per square feet), the cost of owning new ad property inside Houston have climbed even greater. As large companies open shop in Houston, number of of them have plans for expansion within this very healthy business. Add to this the fact that 2012 might witness a couple more of six-digit leases and one could without a doubt surmise that commercial real estate inside Houston is on fire. For a fledgling company, owning ad property in such an industry might not be simple if finances are meager.

According to several agencies, market predictions for office space within Houston also favor the leasing option. Here are a several pointers:

- Competition for prime locations on rent is expected to heat up further.

- more new constructions would be distributed throughout the town. However, highest new building projects will be costlier than at current.

- Concession packages may be accessible inside 2012 too although they might shrink in size and volume.

If you want to hire office space within Houston, there is much to be happy about. hire properties here are rich inside variety, and might vary from modest single occupancy office spaces to good rises that define the skyline of the metropolitan area. However, to get the biggest deal, tenants must get involved quite early along with the business. The fashion have to be proactive together with the ability to build quick decisions within a fast changing market. Once new construction slows down within 2013, option would be far fewer even though hire rates may continue to grow.

Houston Retail Space or the buy of Houston ad Real Estate and don?t leave any money on the table. want Houston Office Space ? We could Help! Free Houston Office Space, Houston Industrial Space, Houston Retail Space, Location Service Offered Citywide. 713-789-8700.

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Source: http://answers.apostoliccm.com/2012/07/houston-site-retail-space/

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Nick Diaz Update: Will Return, Wants Anderson Silva

Like a passing case of the munchies, UFC welterweight contender Nick Diaz's plans to retire seem to have faded, and taking the place of that retirement is a burning desire to face UFC middleweight champ Anderson Silva.? All this is according to his longtime coach, Cesar Gracie, who posted a lengthy statement on the matter over at GracieFighter.

It was only just February when Diaz purportedly turned his back on the sport, a move prompted by his controversial unanimous decision loss to Carlos Condit at UFC 143.??The defeat?came?after a five-round scrap for the UFC Interim Welterweight Championship title, and the bout?saw Condit playing "hit and run" while the Stockton native followed him around and?hurled insults.? Soon after,?it was revealed that?Diaz had tested positive for?marijuana metabolites in a post-fight urinalysis, and the subsequent year-long suspension levied upon him appeared to be the icing on the retirement cake.

Said Gracie:

For the last couple months I've watched Nick begin to frequent the gym more and more.? He's training harder now than he has for many of his fights.? It was obvious that training and fighting is in his DNA.? It is who he is.

This week we had a great talk and he made it clear to me that he is ready to get back in the cage.? Nick Diaz will return.

With interim champ Condit destined to face UFC welterweight champ Georges St. Pierre at UFC 154 in November, who is there for Diaz - an elite,?top-level fighter -?to face that's worthwhile?

As far as future opponents, Nick has stated that he would like to take fights "that matter".? Since GSP will be fighting Condit, he has to look elsewhere.? He will respectfully ask for a fight with Anderson Silva, a fighter he respects and would like to challenge.

Silva's camp has been speaking of a fight with GSP, possibly even at a catchweight.? Nick will take that fight in a minute but has told me that should Silva decide not to drop at all, he will move up to 185lbs to face the Champ.

And there you have it.? Unfortunately, unless Diaz (or, more aptly, his attorneys) can figure out a way around his suspension, ain't nothin' going down 'till February, 2013.? Remember kids, dope is for dopes.? Don't be a dope!

Source: http://sports.yahoo.com/blogs/mma-cagewriter/nick-diaz-return-wants-anderson-silva-000443797--mma.html

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Audyssey Audio Dock


Audyssey's Audio Dock is pretty versatile. It's a Bluetooth speaker system with a docking area for iPhones and iPods, which means just about any modern mobile device can wirelessly stream to it, and several Apple gadgets can play through it directly. At high volumes, the Audio Dock manipulates the frequency response with some signal processing to avoid distortion issues, which will irk many purists, but generally, audio performance is solid. At $399.95 (direct), the speaker system is a bit more affordable than most docks this size that offer wireless playback. The ability to take calls through the speaker system itself is another thoughtful extra, making the Audio Dock, despite some flaws, a wireless option worth considering.

Design
The 9-by-5-by-11-inch (HWD) Audio Dock's overall design is simple and sleek. It's all black plastic and black metallic speaker grille, with a narrow front panel and two deep side panels that house the speakers. Under each grille is a 0.75-inch tweeter and a 4-inch woofer, and all four drivers are individually amplified. An under-lit button on the top panel controls playback?we found it sometimes required repeated taps to do the trick.

On the front panel, a narrow, under-lit vertical sliver displays the Volume level. But the actual Volume controls are cleverly hidden behind the Audyssey logo on the iPhone docking area, near the bottom of the front panel. Pressing the left side of the logo lowers volume, while the right side raises it; press and hold the middle of the logo briefly, and it mutes the audio. A rubber bumper to support the backs of docked iPhones or iPods is also situated on the front panel.

Beneath the volume indicator, there's a microphone for taking calls through the speaker system?you answer using the remote control. The back panel houses another microphone (they work together for better voice processing and clarity), as well as a Bluetooth pairing button, the Power switch, a 3.5mm microphone output (for sending your voice through your computer for VoIP calls), a 3.5mm aux input, and a mini USB port. A USB cable is included, allowing you to sync docked iPhones and iPods with connected computers, and there's an "autosync disable" button on the back panel?when pressed, it defeats the connected USB and stops a docked iPhone from syncing to iTunes. Inline

The Audio dock ships with the aforementioned USB cable, two 3.5mm cables for connecting to the rear ports, and a power cable. Also included is a frustrating remote control. It's actually got a bunch of useful features?standard Volume controls, Play/Pause, Track Skip Forward/Backward, as well as Mic Mute and Audio Mute buttons. The best feature is the Phone button, which allows you to answer calls via the speakers, but the frustration comes from the remote's need for a very precise angle to actually work. If you don't aim at just the right spot on the dock, it simply doesn't register at all. Once you get past that, however, the remote is above average, and the system's inclusion of all the necessary cables is also a nice plus.

The system supports Bluetooth (A2DP) streaming, and a free app is available for adjusting the EQ if you wish, though we recommend skipping this pretty unnecessary feature?the system sounds better without any EQ adjustments.

Performance
The Audyssey Audio Dock offers a powerful audio experience, but as mentioned earlier, it's not for purists or audiophiles. The reason for this is twofold: It employs digital signal processing at top volumes to prevent distortion from deep bass, and its speakers are angled in opposing directions, which certainly fills a room, but also obliterates the stereo balance and the concept of a "sweet spot" for listening.

This isn't entirely without merit: The alternatives to digital signal processing are either to let the speakers distort, which sounds just as bad or worse than the gradual volume lowering of deep frequencies when the system is at top volume, or to build more powerful speakers, which would probably cost substantially more. The Audio Dock isn't alone in its use of DSP?the Bowers & Wilkins MM-1 ($499.95, 4 stars) and the Audyssey Audio Dock Air ($399.99, 3.5 stars), an Apple AirPlay dock from Audyssey, both employ similar processing.

As a result of the DSP, tracks with deep bass, like the Knife's "Silent Shout," don't really distort at top volumes (when both the volume on your streaming phone and the dock itself are maxed out), or if they do, it's only momentarily until the processing fixes things. But as the volume rises, the deep bass presence gets dialed back and the overall response sounds noticeably thinner. Big electronic bass drum hits are reduced more or less to their treble-heavy attack, minus the sub-bass resonance behind them, and stringed instruments lose much of their low-end resonance.

In other words, this system can get loud, but it's probably not the best choice for your party if you want to blast loud electronic music or hip hop?it shouldn't really distort all that much, if at all, but it will not sound terribly balanced and full, either. At slightly less intense volumes, however, the Audio Dock offers plenty of low frequency response?and can still do so at fairly loud volumes, just not as much so at top volumes.

At moderate volumes, everything sounds better?not just "The Knife," but also instrumental music like John Adams' modern classic piece, "The Chairman Dances." On this recording, the Audio Dock showcases a pleasant overall balance, with the lower register strings and percussion neither disappearing into the mix (which is entirely possible with more subtle pieces like this) nor overstepping their place in it. The mids and highs are clear and precise, allowing wood percussion and higher register stringed instruments to shine without ever sounding harsh or overly crisp.

As mentioned earlier though, this is not a system for critical listening?few phone dock systems are, to be fair. It still can sound great, and the Audio Dock fills a room admirably for a system this size. But with the angling of the high frequency drivers upwards and away from each other, as well as the low frequency drivers at near exact opposite angles from each other and differing angles from their corresponding high frequency drivers, there is no hope of finding a "sweet spot" to listen from.

On the plus side, the difference between audio performance when an iPhone is docked and when the same iPhone is streaming the same song via Bluetooth is negligible. The pairing process is simple and quick, but we did have occasional issues with playback?it seemed as if the docked iPhone was being controlled by another nearby remote control, as it would occasionally pause playback without any prompting. The stream was not disrupted, the iPhone simply paused the audio. It's entirely possible that the PCMag Labs was the culprit?there can be a lot going on in here and even on the floor below us, but if you if you live in a large apartment building or in a home with several remotes being used, the same may be true for you.

Overall, the Audio Dock offers a high quality stream, as long as you keep the volume at reasonable levels. If you'd rather have a more traditional stereo image, but still want a wireless Bluetooth system, our current Editors' Choice is the excellent JBL OnBeat Xtreme ($499.95, 4.5 stars). Its offbeat design likely alters the stereo image slightly, too, but everything's generally pointed in the right direction and the speakers are quite powerful. There are some AirPlay docks that are also excellent choices, if you'd rather use Apple's Wi-Fi based streaming audio feature rather than Bluetooth, though they are all more expensive, such as the Klipsch Gallery G-17 Air ($549.99, 4 stars). Audyssey's Audio Dock, however, is slightly less expensive than much of the serious wireless dock competition, and at moderate volumes you get quality output, and some nice extra features.?

More Speaker reviews:
??? Audyssey Audio Dock
??? Iriver Blank Sound Donut
??? Eton Rukus Solar
??? Panasonic SC-BTT195 Home Theater System
??? Jawbone Jambox
?? more

Source: http://feedproxy.google.com/~r/ziffdavis/pcmag/~3/aMsKBbg6W-o/0,2817,2407466,00.asp

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Saturday, 28 July 2012

Produce every documents of the terrors that a enthusiast tends to ...

Furthermore, the credit report may possibly secure the pursuing more knowledge about an individual:
? Personal Figuring out Info: owner?s name, just about any regarded aliases, recent and previous house deals with, ss #, birth date, employment history if essential, the exact same information about your better half.
? Credit Information: accounts using finance institutions, stores, credit card companies, power and call balances and various financial institutions using who you possess consumer credit.
? Information with Criminal record: point out in addition to local details about bankruptcy, every taxation liens and/or financial decision.
? Recent Collector Queries: an index of titles with regards to who have bought reports of one?s financial record within the past 365 days, as well as within Year or so intended for businesses.
It is important to ensure that each of the information and facts covered on your own free credit score report will be correct, simply because problems are very frequent. You?ll probably be your victim of incorrectly recognized id, inaccurate information and other mistakes rather than sometimes understand it, this also can have a primary affect your ability to secure a mortgage or even credit card close to hand the most.
In the event you recognize there?s an miscalculation covered within your credit report, there are actually actions to take so that you can resolve the circumstance plus get back a good credit rating. You need to call this revealing consumer credit business as quickly as possible, then an business results in being to blame for looking into, correction or extracting erroneous info. Keep in mind, this can be a method that might take nearly 45 days to weeks to perform, this means you ought to continue being sufferer.
Once the incorrect info have been taken away or absolved through your credit report, a different duplicate together with the proper information will likely be sent to the actual get-togethers who may have obtained an incorrect backup of your respective review within the past Half a year.
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If you have a record of had missed as well as delayed expenses, it?ll more than likely appear on your credit report. Data on this character could keep you from acquiring a credit-based card, vehicle or maybe home mortgage, life insurance and in many cases, perhaps employment. Thereby by itself, it is essential that anyone being a purchaser find out about the proper rights and so are aware of everything this comes on on the credit report.
Your credit score information, whether it is consistently, continues to be for your credit score to get a quantity of 7 years. If you have ever declared personal bankruptcy and also had a income garnishment, the info is likely to remain dynamic for about Few years.
In america you?ll find several most important credit reporting agencies, Experian, Trans Union in addition to Equifax. That you are permitted get one cost-free credit report coming from just about every firm in just a duration of Twelve months. You can certainly make contact with the professionals via phone or Ough.Ohydrates. Mailbox. You should give particular data such as name, present or preceding deal with, cell phone number, ssn plus birth date you?ll also find to substantiate the details by giving a copy of the Identity minute card, car owners permission or perhaps bank statement.
Perhaps you have requested for a card or perhaps loan, you might have got
ones credit report analyzed with the mortgage lender. Your current credit report includes a large influence on your current monetary upcoming, so it?s worthwhile your time and energy to make sure that you realize precisely what ones credit report suggests about yourself. Even if you are not really considering finding consumer credit, your credit report make a difference other areas of your life. Possibilities recruiters perspective your current credit report to evaluate ones reliability for an employee. Property managers often look into the credit history of the tenants ahead of letting them indication or even restore their book.
Hence whether or not you recognized this or otherwise, your credit report will have a main impact on
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You are able to request duplicates of one?s document through the about three important credit bureaus:
Equifax, Experian, plus TransUnion. An up to date variation towards the federal government Sensible Credit
Confirming Work demands every one of these countrywide consumer-reporting organizations for you to
will give you each year free replicate of one?s credit report about your current ask for.
Simply, your current credit report can be a introduction to the way you repay what you owe; repay
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Your credit report is comprised of quite a few areas. The primary segment has
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The invoice forking over historical past together with finance institutions, retail stores, boat loan companies,
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Google unveils ultrafast Internet/TV in Kansas City

KANSAS CITY, Mo./NEW YORK (Reuters) - Google Inc made its foray into the market for bundled Internet and television services on Thursday, promising access speeds more than 100 times faster than those of traditional U.S. cable and telecommunications companies.

The Web search leader unveiled its ultra-high speed Google Fiber service in Kansas City, Missouri, and could start installations in September, executives said. Google hopes to roll out the service to other cities later.

"Access is the next frontier that needs to be opened," Google Chief Financial Officer Patrick Pichette said. "We're going to do it profitably. That is our plan."

"We are at a crossroad," he added, noting that Internet speeds had leveled out for broadband since around 2000. "We at Google we believe there is no need to wait."

Google Fiber's ultra high-speed connections and television offerings are aimed at surpassing those of current providers, allowing users to search live channels, Netflix, YouTube, recorded shows and tens of thousands of hours of on-demand programming. However, no phone service is available.

"The phone is really a 1940s thing. Why have a landline? It's sitting there, you use it once every two weeks," Pichette said.

Google said it also intends to roll out product packages for businesses, but would not provide details.

Google Fiber includes more than 100 networks and costs $120 a month for a package of TV, 1 gigabit per second Internet speeds and 1 terabyte of cloud storage.

The package includes popular networks owned by major media companies such as Comcast Corp's NBC Universal, Discovery Communications and Viacom Inc. Premium movie networks are available from Liberty Media's Starz for an extra fee.

But it excludes several major TV names, such as News Corp's Fox cable channels; Time Warner networks like CNN, TNT and TBS, as well as Walt Disney Co cable channels like ESPN and Disney children networks.

Google executives said the company is still in negotiations to add more content.

"They need to be able to offer something that is everything people have now and more," said Ben Schachter, an analyst with Macquarie Research.

"People are going to have high expectations for this. The worst thing they can do is come out and disappoint."

Google is also offering an Internet-only package priced at $70 a month. The download speeds would be around 1 gigabyte a second, according to Google executives.

Google is charging a $300 installation fee, saying consumers should treat it as a "home improvement" cost.

The initial service area includes central Kansas City, Missouri and all of the city of neighboring Kansas City, Kansas.

This market is dominated by Time Warner Cable Inc, which charges $99.95 for its fastest Internet-only service there. Google Fiber would be 20 times faster.

Time Warner spokesman Justin Venech said the second largest U.S. cable operator had a "robust and adaptable network" and welcomed the competition.

FEATURES AND FREEBIE

Google Fiber includes such features as the ability to record eight TV shows at a time and store up to 500 hours of high definition programming. Users can choose to use a tablet or smartphone as a voice-activated remote control.

Google is offering its Nexus 7 tablet with the Google TV app to early users of the service.

Google said it is setting up a 6-week "rally" for consumers to vote on where the first fiber communities, or "fiberhoods," should be installed in the Kansas City area.

Consumers must pay $10 to register their household online for service. About 50 "neighbors" will need to register in order for their area to be eligible for installation services, according to Google executives.

Whether or not consumers will embrace the new offerings remains to be seen. But officials said they are confident Kansas City will be a showcase of success for a larger rollout.

"Google is a very different company," said Kevin Lo, general manager of Google Access. "And this is not a short-term project."

(Corrects July 26 story in paragraph 8 to gigabit instead of byte)

(Reporting By Carey Gillam in Kansas City, Missouri, and Yinka Adegoke in New Yorkl additional reporting by Liana B. Baker; editing by Sofina Mirza-Reid and Richard Chang)

Source: http://news.yahoo.com/google-unveils-ultrafast-internet-tv-kansas-city-193514942--sector.html

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Cat Financial Announces Second-Quarter 2012 Results ? World ...

Cat Financial Announces Second-Quarter 2012 Results

The decrease in revenues was principally due to a?$28 million?unfavorable impact from lower rates on new and existing finance receivables and operating leases and?$9 million?lower net gains from returned or repossessed equipment, partially offset by a?$33 million?favorable impact from higher average earning assets (finance receivables and operating leases at constant rates).

Profit before income taxes was?$144 million?for the second quarter of 2012, compared to?$152 million?for the second quarter of 2011. The decrease was principally due to?$9 million?lower net gains from returned or repossessed equipment, a?$5 million?unfavorable impact from currency gains and losses and a?$4 million?increase in general, operating and administrative expense. These decreases were partially offset by a?$13 million?favorable impact from higher average earning assets.

The provision for income taxes in the second quarter of 2012 reflects an estimated annual tax rate of 27 percent compared to 26 percent in the second quarter of 2011.

New retail financing in the second quarter of 2012 was?$3.8 billion, an increase of?$938 million, or 32 percent, from the second quarter of 2011. The increase was a result of growth across all operating segments, primarily in ourAsia/Pacific?and Mining operating segments.

At the end of the second quarter of 2012, past dues were 3.35 percent compared with 3.19 percent at the end of the first quarter of 2012, 2.89 percent at the end of 2011 and 3.73 percent at the end of the second quarter of 2011. Although past dues have improved when compared with the second quarter of 2011, the increase from the end of 2011 and from the first quarter of 2012 reflects higher delinquencies in our European marine and?China?portfolios. Write-offs, net of recoveries, were?$16 million?for the second quarter of 2012, down from?$29 million?in the second quarter of 2011.

As of?June 30, 2012, Cat Financial?s allowance for credit losses totaled?$393 million?or 1.47 percent of net finance receivables, compared with?$369 million?or 1.47 percent of net finance receivables at year-end 2011. The allowance for credit losses as of?June 30, 2011, was?$382 million, which was 1.52 percent of net finance receivables.

?We are very pleased with Cat Financial?s performance in the second quarter,? said?Kent Adams, Cat Financial president and vice president of Caterpillar Inc.? ?Our portfolio continues to perform well, with lower past dues and a significant reduction in write-offs compared to a year ago.? Additionally, our global team continues to focus on our captive finance role to help Caterpillar customers and dealers succeed, resulting in a significant increase in new retail financing during the second quarter.?

For over 30 years, Cat Financial, a wholly-owned subsidiary of Caterpillar Inc., has been providing financial service excellence to Cat customers. The company offers a wide range of financing alternatives to customers and Cat dealers for Cat machinery and engines, Solar? gas turbines and other equipment and marine vessels. Cat Financial has offices and subsidiaries located throughout the Americas,?Asia,?Australia?and?Europe, with headquarters in?Nashville, Tennessee.

STATISTICAL HIGHLIGHTS:
SECOND QUARTER 2012 VS. SECOND QUARTER 2011

(ENDED JUNE 30)

(Millions of dollars)
2012 2011 CHANGE
Revenues $ ? ? 668 $ ? ? 675 (1%)
Profit Before Income Taxes $ ? ? 144 $ ? ? 152 (5%)
Profit After Tax $ ? ? 104 $ ? ? 107 (3%)
New Retail Financing $ ?3,839 $ ?2,901 32%
Total Assets $32,755 $29,937 9%

?

SIX MONTHS 2012 VS. SIX MONTHS 2011

(ENDED JUNE 30)

(Millions of dollars)
2012 2011 CHANGE
Revenues $1,336 $1,315 2%
Profit Before Income Taxes $ ? 314 $ ? 267 18%
Profit After Tax $ ? 224 $ ? 190 18%
New Retail Financing $6,898 $5,668 22%

Source: http://www.worldleasingnews.com/news/cat-financial-announces-second-quarter-2012-results-2/

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