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visacop · August 31st, 2011

August 31st, 2011

Hardscaping: Moving towards Concrete Landscaping. Concrete is not considered a perfect match for finest areas of your home. Unfortunately many homeowner think it as the best material for their driveways and sidewalks. However, concrete does offer attractive and cost effective solutions to a number of other home improvement projects, and concrete landscaping is just one of the many areas where concrete could be the perfect fit for your home improvement needs. Hardscaping Experts: EPHenry.com In landscaping work the concrete is basically used for border building. It looks stunning around your flower or vegetable gardens, lining walkways, or as a way to set off trees and shrubs from the rest of your yard. Patios Furthermore, the manufacture of stone imitation concrete materials means you?ll have a plethora of choices when it comes to style. Whether you?re looking for a smooth, polished look, or desire something closer to rough hewn stone, there?s a concrete border that will fit the bill. Another popular concrete landscaping project is building dividing and retaining walls. So if you are planning to separate your garden from your yard and having little money to get expensive walls material then use concrete as the perfect option for such cases. In fact most people won?t be able to tell the difference between a natural stone wall and one built from imitation concrete blocks. Attractive retaining walls can also be made from concrete ?stones? or blocks, and give you aesthetically pleasing look at the same time they provide an important function in your yard. Concrete pavers are the finest concrete landscaping material. Concrete pavers are stones made to mimic everything from river rock to cobble stone to brick, and make for beautiful walkways. It doesn?t matter if you?re laying a main walkway from the front door to the drive or a humble walking path through your garden. With concrete you can get same attraction and elegance as you get with stone walks within less expensive price range. Concrete landscaping products made to imitate stone are among the more cutting edge alternatives when it comes to concrete choices, however there is also the traditional fare to choose from. Concrete statues, birdbaths, fountains and benches are also favorites of homeowners everywhere. They are tough as nails, weather well, and add those finishing touches to any landscape design. fire pit If you are intending to get involved into concrete landscaping project then talk to a professional to get an idea about its cost and installation process. Stonemasons, landscapers, even some nurseries, will be able to advise you on where to find these products and how much it will cost you for installation. And if you desire, there are concrete companies out there who specialize in landscaping applications, pavers and other decorative work. They are one stop shops when it comes to concrete landscaping, and will be able to counsel you every step of the way, from choosing materials right on down to getting your new concrete border, path, wall, or decoration installed as soon as possible.

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Source: http://www.kutahyaburomemursen.com/kutah-yaburo-memursen/patios-and-hardscaping-fire-pit

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FIRST PERSON | After listening to the on again, off again whipping winds and rain all evening through my slightly open office windows, I decided at about 2 a.m. on Sunday morning to take a break from writing and walk to the river directly adjacent to my building in New York City to see how high the waters had come up and to actually feel the tropical storm force winds.

As a native of the Deep South, I'm a veteran of hurricanes, so on the way down, I told myself, "Don't take the elevator." I took the stairs, and at street level of our partially underground garage, I safely observed a couple of persons who were walking around in the whipping rain. The rain was whipping so much that I could tell it was a stinging rain, and I changed my mind about going out into it, not wanting any part of that. Thanks, but no thanks. I've been in enough hurricanes to know what stinging rain feels like.

I wasn't able to see exactly how high the river had come up, so I decided to go to the top floor of my building to get a better view. I moseyed back into the building and, forgetting for a moment about the situation, stepped into the elevator and pressed number seven.

As the elevator approached the sixth floor, that's when it happened: The elevator jolted a little bit, as the power shut off to it.

"Oh no! This just didn't happen," I laughingly exclaimed to myself. "Stupid, stupid, stupid! I didn't just do this to myself! Why did I just do this to myself?"

After berating myself for a couple of thoughts and laughing in between, my rush of thoughts turned toward my wife, whom I had only told several minutes before I was going out to see how high the river had gotten.

"What would she think," I thought to myself. "How worried she and my daughter may get tomorrow, even tonight, if I'm stuck in here the rest of the night and into the day tomorrow. How stupid of me to worry them and lots of people who may start looking for me, thinking that I may have drowned in the river last night when going out to see it."

As these thoughts partially clouded my brain, I pushed the elevator buttons, knowing full well that pushing them wasn't going to make the elevator respond. Next, I looked at the roof of the elevator to see where I was going to climb out, if beating on the elevator door long enough in the morning didn't work.

I suddenly grasped the handrails: "What if this thing suddenly free-falls six or seven floors to the bottom?"

With one hand now always locked onto the handrail, I bemoaned and laughed about my predicament a little more. Then only a few short minutes later, the elevator was operative again.

Quickly, I pushed number one - "Before the thing shuts off again!" And as number six flashed on the elevator and then number five, I pushed number four, realizing I didn't need to go all the way to the first floor - "Get off this elevator as fast as I can!"

The elevator stopped at the fourth floor, only the doors didn't open. Now I thought, "Oh no! What if even after it makes it to the first floor, I still can't get out?"

As soon, and I do mean as soon, as the door cracked open far enough for me to wedge my elbow between it and the elevator door frame, I did so. The door continued all the way open, but I wanted to make sure that if the door started to close again, I was going to do what I could to get myself out of the elevator that Hurricane Irene shut down with me in it.

Source: http://us.rd.yahoo.com/dailynews/rss/weather/*http%3A//news.yahoo.com/s/ac/20110830/us_ac/9036127_hurricane_irene_shuts_down_elevator_with_me_in_it

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How do you find clients and prospects? Ten different folks offers you twelve totally different answers, and the scary thing is ? they?d be proper!

There are lots of different ways to market your self and your enterprise with a purpose to appeal to clients. For now, let?s discuss some ways that you should use the web to market your self and your business.

Electronic mail Signatures If you first turned a Realtor, I am sure you let all your friends and family ? your sphere of influence ? find out about your decision. Some of them probably contacted you to start a business relationship, but others may need forgotten precisely what their second cousin is doing now.

By using an email signature at the bottom of ALL your e mail (together with personal e mail) you can let everybody that you simply email know that you?re a Realtor. Your signature might be finished in any number of ways-and you can change it as many occasions as you would like!

Hold it easy, and undoubtedly embody how they can contact you. You might choose to make use of your online business card as your signature, or create a particular one only for email.

Website Do you have got a web site but? The overwhelming majority of Real Estate corporations do and you probably have a ?web presence? by means of the company. However do you might have your individual personal web site?

By utilizing your personal private web site, you may showcase your personal listings, enable visitors to search the whole MLS in your space ? and then contact YOU to view the homes.

You too can feature tons of knowledge to your guests to access. By creating this ?one stop store? on your net visitors, you might be in essence turning into THE authority on your area.

Folks who want to know the perfect neighborhoods during which to live in your city might be coming to your web site to search out this information. You may capitalize on these guests by utilizing the following strategy.

Ezine A great way to stay in touch with clients and prospects is doing an electronic mail newsletter. Each one who visits your website has the potential to be a prospect! But, if you have no technique of capturing their data you?ll never be capable to connect with them.

In case you are utilizing an electronic mail checklist service resembling Aweber or iContact, you can easily capture the email addresses of your web site visitors?and they?ll gladly share the knowledge with you!

This is how: the email listing services provide a free snippet of HTML code that you simply or your web designer can insert into your website. The code will ask your guests for no matter information you want. I recommend asking just for a primary identify (to personalize your emails) and for their e mail address.

Advertising and marketing experts agree that folks usually tend to share their e mail handle with you than they?re to share handle and telephone number. Upon getting them on your email list, you can ask them for that information when it turns into clear they?re fascinating in using you as their Realtor. HINT: Make the enroll course of easy with the shape, and irresistible with a free particular report that meets the needs of your preferrred client.

Another great article by Signl Hll_sienna Hll Listing. This article, Real Estate Marketing Online is released under a creative commons attribution license.

Tagged as: business, Finance, home, house, houses, Investing, real estate

Source: http://www.thecentralfloridarealestatesite.com/real-estate-marketing-online/

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August 28th, 2011 Admin

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Tags: automobile, automobile insurance quotes, car insurance quote, classic car insurance, DUI, Everything, free auto insurance, information, Instant, proper coverage

Posted in Auto Insurance | No Comments ?

Source: http://www.jthompsonmechanical.com/2011/08/everything-auto-insurance.html

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This article has been viewed 32 times.

When you outsource tasks and functions for your online business, you will need a way to manage your contractors that does not end up making outsourcing more work for you than it should be. Outsourcing should take a lot of work off your plate and put it on some else?s, so you can have room to do the things you love to do or the things that make you extra money. The way to make certain that you manage your team the finest that you can is to consider either hiring a web business boss, or you may want to buy a project management system (software) or both.

Project Management System

A project management system will help you manage one to an entire team of contractors that you outsource to by arranging activities and tasks in a way that your team can easily understand and that you can keep arranged. There are a few different project management systems that you can use both free and for a price. A two good project management systems are CentralDesktop.com, and Basecamp.com. You may also employ a file sharing system such as Google Docs or Dropbox.com to share safely various files and information between you and your contractors.

Contract with an Online Business Administrator

Another alternative is to contract with a web business administrator. An internet business boss or a project boss is a someone, maybe a firm, that handles all sides of your business on an independent contract basis. Your web business executive, or project boss, will manage your entire team of contractors for you so you only communicate with him and not 10 different individuals. You tell the manager what needs to be done and he will assign the project to the correct team member, keep an eye fixed on your outsourcing budget and ensure everything is done on time to your standards before you accept it. In this case, you will still likely require to have some type of project managing system (software) if your online business administrator doesn?t already have one that?s secure that they can use.

Use A Cloud

Most project management systems or software is ran ?in the cloud? which is very useful for outsourcing since you and your contractors can be at any location with Web access to see the projects, due dates, time kept and so forth. Using one of those systems, whether you hire a web business or project executive will considerably improve your efficiency in your business. The neat thing about the professional paid versions is that your assistants, and contractors can watch the online tutorials and videos to learn how to use the system so that leaves little to no training in your hands aside from to point them to the relevant online information if asked.

By implementing one of these solutions you?ll really gain more control over your business and the profitability of your business because you?ll have everything in place to be able to read all of the metrics, see what must be completed, and have methods to get things done too ? that?s effective time management. You can be a company of one, yet act like a company of 500 with a good project managing system in effect.

Small Business owners don?t have months for a marketing strategy to show some results, so why wait? Get smart marketing solutions you can put to work today and start seeing results.Better yet, sign up to have marketing solutions delivered to you and boost you business now!

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<title>Canary Magazine | Internet Business Outsourcing ? The Right Ways to Manage Your Contractors</title><h3>Internet Business Outsourcing ? The Right Ways to Manage Your Contractors</h3>By: Theresa DelgadoWhen you outsource tasks and functions for your online business, you will need a way to manage your contractors that does not end up making outsourcing more work for you than it should be. Outsourcing should take a lot of work off your plate and put it on some else's, so you can have room to do the things you love to do or the things that make you extra money. The way to make certain that you manage your team the finest that you can is to consider either hiring a web business boss, or you may want to buy a project management system (software) or both.Project Management System A project management system will help you manage one to an entire team of contractors that you outsource to by arranging activities and tasks in a way that your team can easily understand and that you can keep arranged. There are a few different project management systems that you can use both free and for a price. A two good project management systems are CentralDesktop.com, and Basecamp.com. You may also employ a file sharing system such as Google Docs or Dropbox.com to share safely various files and information between you and your contractors.Contract with an Online Business Administrator Another alternative is to contract with a web business administrator. An internet business boss or a project boss is a someone, maybe a firm, that handles all sides of your business on an independent contract basis. Your web business executive, or project boss, will manage your entire team of contractors for you so you only communicate with him and not 10 different individuals. You tell the manager what needs to be done and he will assign the project to the correct team member, keep an eye fixed on your outsourcing budget and ensure everything is done on time to your standards before you accept it. In this case, you will still likely require to have some type of project managing system (software) if your online business administrator doesn't already have one that's secure that they can use.Use A Cloud Most project management systems or software is ran 'in the cloud" which is very useful for outsourcing since you and your contractors can be at any location with Web access to see the projects, due dates, time kept and so forth. Using one of those systems, whether you hire a web business or project executive will considerably improve your efficiency in your business. The neat thing about the professional paid versions is that your assistants, and contractors can watch the online tutorials and videos to learn how to use the system so that leaves little to no training in your hands aside from to point them to the relevant online information if asked. By implementing one of these solutions you'll really gain more control over your business and the profitability of your business because you'll have everything in place to be able to read all of the metrics, see what must be completed, and have methods to get things done too - that's effective time management. You can be a company of one, yet act like a company of 500 with a good project managing system in effect.Small Business owners don't have months for a marketing strategy to show some results, so why wait? Get smart marketing solutions you can put to work today and start seeing results.Better yet, sign up to have marketing solutions delivered to you and boost you business now!Article Courtesy of Canary Magazine

Source: http://canarymagazine.net/business/management/internet-business-outsourcing-the-right-ways-to-manage-your-contractors/

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We all use technology to replace bodily functions. For over twelve thousand years, we have been using cooking technology to replace the work our digestive systems previously had to do. We use clothing technology to replace the work our fur once did. We used art and writing, then the printing press, then the copy machine, and now computers to replace much of the work our brains once did.

Think about how you feel when you step into your car and turn on the ignition -- the car suddenly becomes part of you. If another car collides with yours, you say, "They hit me" and not "They hit my car." And now, with phones connecting to the Internet and identity becoming so important online, I certainly feel like I've lost a part of myself when someone else is playing with my phone, as if they tore out one of my limbs to do a puppet show.

Source: http://rss.slashdot.org/~r/Slashdot/slashdotScience/~3/4p42OT_04JQ/emDeus-Exem-Eyeborg-Documentary-Shows-Todays-Cyborgs

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BAGHDAD ? Police say a pair of bombs has killed two people and wounded five in Shiite Muslim neighborhoods in Iraq's capital.

Iraqi police said the first blast around 8:30 a.m. Sunday was caused by a bomb that was hidden in a car in southwestern Baghdad. Two people were killed and a third was wounded.

Ninety minutes later, a second police official said a roadside bomb wounded four passers-by in eastern Baghdad.

Two medical officials confirmed the casualties. All spoke on condition of anonymity because they were not authorized to release the information.

Violence has dropped dramatically across Iraq from just a few years ago, but deadly attacks still happen nearly every day.

Source: http://us.rd.yahoo.com/dailynews/rss/iraq/*http%3A//news.yahoo.com/s/ap/20110828/ap_on_re_mi_ea/ml_iraq

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Cash advance loans debt consolidation loan is actually a kind of aid that is certainly offered to customers with received in more than their scalp along with online payday loans. Seeing that finance places move, the typical payday cash advance incorporates a very excessive rate of interest which could lead to enduring problems with the buyer. It?s been handed down when the pay back method is in in whatever way mismanaged.

Several customers take out payday loans as a result of terrible fiscal scenarios. For instance, they might get paid their costs in time, yet it?s still left all of them no amounts in order to feast or their loved ones for about a week. Different people implement it because they encounter owning his or her programs stop running appears to be immediate payment isn?t created.

Although hobbies costs are usually excessive, these types of keep an exceptionally workable alternative. This is correct actually for those individuals who get quite poor credit. These are generally methods to obtain immediate finance endorsement, instant cash plus numerous example, immediate fiscal problems. This is when payday cash advance debt consolidation loan selections is usually connected with easily the patron that has far more debt that he or she cannot spend. Because of the high interest rates associated with this form connected with finance, numerous customers see that loan combination is one of the easiest ways to start creating fiscal indemnity.

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Timeliness is an essential component intended for doing well when working with payday cash advance debt consolidation loan. Several customers experience helpless after his or her cost blueprints intended for payday loans get spiraled out of hand. They just field the device telephone calls in addition to undergo this struggles of getting funds subtracted regularly through the consumer banking accounts that they have given as a way to secure the borrowed funds.

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Shoppers will find many payday cash advance debt consolidation loan opportunities by simply searching online. A number of these payday cash advance debt consolidation loan blueprints are usually made in related ways. Some payday cash advance debt consolidation loan firms are able to offer various sources than some others, nevertheless, which makes it necessary to investigate the greatest guidance for you.

Cash advance loan debt consolidation loan offers buyer using more than just a method of getting his or her money back get. It?s also a way to get in touch with many of the informative sources that are necessary for knowing far better paying in addition to saving knowledge. This is the method of getting your money so as at this point and also to have them this way later on.

Related posts:

Buyer Tips for Colorado Springs Houses

Source: http://coloradospringsteam.com/articles/colorado-springs-real-estate-common-buyer-mistakes/

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Nowadays where different communities are helping individual loan seekers in the provision of short term loans, they also have debt management loan centers. These centers are there to guide you in the management and organizing of those taken loan, they assist you in making installment planners in effectively saving you from futuristic debt troubles. Your search for debt help is over, because there are several social organizations who are building a supportive chain in helping people in trouble, due to worsening financial markets and improving debt management among their community members. The problems never come announced; many people go through such deepening debt issues. They provide certain long term programs for such people who can get relieved with the payment plan, also look positive towards their coming future. Many such programs have benefited people in need of debt loans. The role of communities and social organizations is optimum in finding solutions for their fellow members, where other paid loan services fail to assist the sufferers in regaining their confidence back

Source: http://www.websarf.com/business-finance/debt-consolidation/community-debt-services

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WASHINGTON ? After months of unrelieved gloom and discord, Congress and President Barack Obama are starting to make a dent in the federal budget deficit. It's projected to shrink slightly to $1.28 trillion this year, and bigger savings from this month's debt ceiling deal are forecast over the next decade.

No one's celebrating. There will be plenty of red ink for years to come.

The nonpartisan Congressional Budget Office projected Wednesday that annual budget deficits will be reduced by a total of $3.3 trillion over the next decade, largely because of the deficit reduction package passed by Congress earlier this month. The office also forecast persistently high unemployment, a troubling political prospect for President Barack Obama in the crucial months of his campaign to win a second term.

Even with the anticipated big savings, annual budget deficits are expected to total nearly $3.5 trillion over the next decade ? and much more if Bush-era tax cuts scheduled to expire at the end of next year are extended. In all, nearly $8.5 trillion would be added to the national debt over the next 10 years if the tax cuts and certain spending programs are kept in place, the budget office report said.

The national debt now stands at more than $14.6 trillion.

The numbers help illustrate the urgency facing a new joint committee in Congress that is charged with finding $1.2 trillion to $1.5 trillion in budget savings over the next decade. Some lawmakers are calling for an even bigger package, a tall order given the bitter debate that produced this month's debt deal.

"CBO's report is yet more evidence that Congress faces a twin challenge of a sluggish near-term economy and a still very serious long-term debt threat," said Sen. Kent Conrad, D-N.D., chairman of the Senate Budget Committee. "Congress cannot afford to ignore either challenge."

Most of the improvement in this year's deficit picture comes from higher than anticipated tax collections from 2010 returns filed in the spring. Over the longer term, the belt-tightening required in the new deficit reduction law will mean even bigger savings, the report says.

Deficits could end up larger if CBO's economic forecast, which is more optimistic than private projections, proves to be too rosy. The agency doesn't foresee another recession but modest economic growth over the next few years. And it expects the unemployment rate to fall only slightly, to 8.5 percent in the last three months of 2012, and staying above 8 percent through the following year.

"A great deal of the pain of this economic downturn still lies ahead of us," said CBO Director Douglas W. Elmendorf.

Democratic leaders say the report shows the need for programs and policies aimed at creating jobs. Republicans say the report is an indictment of Obama's economic policies.

"A slight decrease in the projected deficit is nothing to celebrate, particularly when it is accompanied by the grim news that CBO expects the national unemployment rate to continue to exceed 8 percent well past next year," said House Speaker John Boehner, R-Ohio. "The president's policies were supposed to keep that from happening."

There is good news for the more than 50 million people who get Social Security benefits. After two years without a cost-of-living adjustment, the agency now projects a 2.8 percent COLA for 2012. That's up from the 1.1 percent increase the agency previously projected. The actual increase for 2012 will be announced in October. It is based on a measure of inflation.

At $1.28 trillion, this year's budget deficit would be the third highest, surpassed only by those of the past two years. The budget year runs through the end of September.

The new deficit projection for this year is $116 billion lower than the one made by CBO in March.

The new deficit reduction law accounts for most of the savings over the next decade: $917 billion in spending cuts already identified in the law, and at least $1.2 trillion in savings to be spelled out by the new joint committee. If the committee of six Republicans and six Democrats fails to agree on a package that is passed by Congress, the law would trigger $1.2 trillion in automatic spending cuts, affecting the Pentagon as well as domestic programs.

The budget office also projects $600 billion in savings over the next decade from lower interest rates.

"This CBO report shows that the budget control act signed by the president earlier this month brought down the deficit significantly, but much more work remains to be done," said Meg Reilly, speaking for the Office of Management and Budget. "We need to get back on a sustainable path and invest in long-term economic growth, which is why the president has called on Congress to take immediate action on pending legislation that will help create jobs."

___

Associated Press writers Jim Abrams, Christopher Rugaber and Julie Pace contributed to this report.

Source: http://us.rd.yahoo.com/dailynews/rss/topstories/*http%3A//news.yahoo.com/s/ap/20110825/ap_on_bi_ge/us_budget_deficit

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PCs and Liberals make promises for post secondary education

By Kate Adams
BayToday.ca
Tuesday, August 23, 2011

Monday Ontario PC Leader Tim Hudak announced that his party will make OSAP funding available to more middle-class Ontario families, meanwhile the Ontario Liberals would offer graduates who take their first job in the not-for-profit sector a one-year grace period for paying back student loans.

Full details in the news releases below.

*********************

Toronto ? Today, Ontario PC Leader Tim Hudak announced that an Ontario PC government will make Ontario Student Assistance Program (OSAP) funding available to more middle-class Ontario families.

Under Dalton McGuinty, many middle class families cannot get fair access to OSAP support. As a result, too many struggling parents cannot afford higher education for their kids. Instead, Dalton McGuinty's priority was to offer $40,000 taxpayer-funded scholarships that, incredibly, are only available to foreign students. Ontario families need not apply.

A Tim Hudak Ontario PC Government will cancel Dalton McGuinty?s $40,000 foreign scholarship giveaway, and will use the money to give more Ontario families badly needed support. We will adopt the same fair standard for OSAP eligibility that the federal government uses to determine how much parents have available to contribute, improving OSAP access for students from middle-class families.

QUOTES:

?Dalton McGuinty?s signature post-secondary education policy is to spend Ontario tax dollars on $40,000 a year scholarships that are only available to foreign students. Ontario families need not apply.?
? Ontario PC Leader Tim Hudak

?Dalton McGuinty believes middle class families are too rich to get fair access to OSAP loans. And for too many families, that puts college or university out of reach. To me it?s simple ? if your kid can get the grades, you should be able to give them the education they deserve.?
? Ontario PC Leader Tim Hudak

?This policy helps middle class families who work hard and play by the rules. Under the current Liberal government, too many middle class families are in an impossible situation. They can?t afford to save enough for the college fund, but they also can't get enough access to student loans because Dalton McGuinty says they are too rich.?
? Nipissing PC Candidate Vic Fedeli

QUICK FACTS:

? Under Dalton McGuinty, students from middle class Ontario families who apply for OSAP support are not treated fairly. By adopting the fairer parental contribution formula that the federal government already uses, a student from a middle class Ontario family earning $65,000 would receive $300 more in OSAP loans. A student from a typical family with one parent earning $39,000 and the other earning $46,000 should get about $2,500 in provincial OSAP assistance, but Dalton McGuinty gives that family no OSAP at all.

? On November 4th, 2010 Dalton McGuinty flew to Hong Kong to announce that he would be handing out $40,000 scholarships to entice foreign students to pursue advanced studies in Ontario. Ontario families who apply for this funding will have their applications rejected.

? An Ontario PC Government will raise the threshold for financial support to make OSAP loans accessible for middle-class families. Specifically, an Ontario PC Government will use the fairer federal parental contribution formula to calculate the level of support that Ontario provides.

*****

Meanwhile

******

The Ontario Liberal government wants to help Ontario graduates who take their first job in the not-for-profit sector by providing a one-year grace period for paying back student loans, Premier Dalton McGuinty said today.

?Ontario students work hard to do well and in Ontario we also strive to do good. We believe it?s important for young people to have an opportunity to help our broader society. Extending the payback period for student loans makes it easier for graduates who take that first job in organizations where they can help,? Premier McGuinty said.
Under the proposed program, graduates who go to work for organizations that are non-profit and non-governmental, such as registered charities, will not be required to begin payments for one year on loans under the Ontario Student Assistance Plan (OSAP).

This is double the current grace period of six month, available to all OSAP recipients and with no interest applying in this period. The purpose of both the current and the new extended not-for-profit grace period is to give students a break after graduation when they are entering the job market. In Ontario, 85 per cent of college grads and 94 per cent of university grads are employed within six months after graduating.

Ontario Liberals will work with Ontarians to move forward together, helping our graduates connect with not-for-profit organizations who do good work.

The opposition has no program for education ? the NDP platform barely talks about post-secondary students and PCs have a $14 billion hole in their platform that could cause them to cut important services.

One million Ontarians are employed in the province?s not-for-profit sector, at some 46,000 organizations, with 800,000 of these Ontarians working full time. Ontario is turning the corner and only Ontario Liberals have the plan for Ontarians to move forward together.

*********************

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Source: http://www.baytoday.ca/content/news/details.asp?c=43482

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KNOXVILLE, Tenn. ? Tennessee's Pat Summitt plans to coach "as long as the good Lord is willing" despite recently being diagnosed with early onset dementia.

In a statement from Summitt released by the university on Tuesday, the Hall of Fame coach said she visited with doctors at the Mayo Clinic in Rochester, Minn., after the end of the 2010-11 basketball season ended and was diagnosed with early onset dementia ? Alzheimer's type ? over the summer.

"I plan to continue to be your coach," Summitt said. "Obviously, I realize I may have some limitations with this condition since there will be some good days and some bad days."

The Knoxville News Sentinel and Washington Post first reported Summitt's condition. The coach did not immediately return messages from The Associated Press seeking comment.

Tennessee athletics director Joan Cronan told the AP that Summitt first thought her symptoms were side effects from medicine she was taking to treat rheumatoid arthritis. She said Summitt appears to be feeling better after beginning to get treatment for the dementia condition and speaking publically about it.

"She's ready to fight this and move on," Cronan said. "She had to come to grips with how she wanted to face it."

Summitt, 59, told the Knoxville paper she plans to rely on medication and mental exercises to manage the progressive condition that destroys cognitive abilities over time.

She said longtime assistants Holly Warlick, Dean Lockwood and Mickie DeMoss will take on more responsibilities with the team going forward.

Summitt met with the Lady Volunteers on Tuesday to discuss her diagnosis with them. Junior guard Taber Spani said the meeting was business-like, with Summitt telling the Lady Vols nothing would get in the way for their quest of a ninth national title this season.

"More than anything she just emphasized that she's our coach and that she wanted us to have complete confidence in her, and we do," Spani told the AP.

Both UT-Knoxville Chancellor Jimmy Cheek and Cronan pledged their support of Summitt's decision to continue coaching.

"Pat Summitt is our head coach and she will continue to be," Cronan said. "She is an icon not only for women's basketball but for all of women's athletics. For Pat to stand-up and share her health news is just a continuing example of her courage. Life is an unknown and none of us have a crystal ball. But I do have a record of knowing what Pat Summitt stands for; excellence, strength, honesty and courage."

As college basketball's winningest coach, Summitt has spent 37 seasons at Tennessee and has 1,071 career victories and eight national championships. The Lady Vols have failed to reach the Final Four since they last won the national championship in 2008.

Summitt said she met with local doctors after becoming concerned about her health, and those physicians recommended she undergo a more extensive evaluation. Summitt told the News Sentinel that her maternal grandmother had suffered from severe dementia.

"Pat came to us with concerns about her health and our preliminary evaluation was suggestive of dementia. Because of her young age, Pat was referred to neurology for formal evaluation," Dr. Amy Bentley, with Knoxville's Internal Medicine Associates, said in a statement. "After extensive testing, a diagnosis of early Alzheimer's was made and appropriate treatment was initiated."

Connecticut coach Geno Auriemma said in a statement he was shocked and saddened to hear the news of Summitt's diagnosis.

"You don't necessarily associate dementia with people our age so this announcement really put things in perspective," Auriemma said. "Pat has great support from her family, friends and staff and I know they will help her immensely. There is no doubt in my mind that Pat will take on this challenge as she has all others during her Hall of Fame career ? head on. I wish her all the best."

Source: http://us.rd.yahoo.com/dailynews/rss/sports/*http%3A//news.yahoo.com/s/ap/20110823/ap_on_sp_co_ne/bkw_tennessee_summitt

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VILNIUS (Reuters) ? Forced labor camps were meant to crush opponents to the regime of Soviet dictator Josef Stalin, but basketball helped them to survive, an exhibition in former Soviet state Lithuania shows.

Around 150,000 Lithuanians were sent to the camps, known as gulags after their Russian acronym, and another 132,000 were deported to live in far-flung parts of the former Soviet empire by 1953. About 50,000 perished due to lack of food, illness, harsh weather and hard labor.

"In a place where everyone was forced to fight for himself, it was necessary to find something that could unite people and preserve their pride. Basketball became such a thing," said Vilma Juozeviciute, the curator of the exhibition.

The show opened Wednesday at the former headquarters of the feared KGB secret police, which is now a museum, in the Lithuanian capital Vilnius.

The exhibition has been timed to coincide with Lithuania's hosting of the European basketball championships, which begin at the end of August.

Pictures displayed on a green wooden wall with a basketball board and a barbed-wire fence on top depict political prisoners and deportees playing basketball or proudly showing their team jerseys with Lithuanian names, such as Zalgiris, now a famous club from Kaunas, Lithuania's second largest city.

Some pictures captured fans absorbed by the game and cheering their side, and who, it seems, had forgotten for a moment about their hardships.

"To be able to play basketball at the gulag allowed us to feel human again, not only like a slave, and to survive the captivity," Juozas Butrimas, 84, told Reuters at the exhibition.

He said he was arrested by the KGB and sent to a forced labor camp in Russia's coal mining region of Vorkuta above the Arctic Circle in 1945 for being a member of an underground anti-Soviet organization.

Butrimas happened to play basketball at a local team in the town of Panevezys before the KGB arrested him and three other teammates. Two of them never returned, while Butrimas came back to Lithuania 21 years later.

Lithuania this year marks the 70th anniversary of the first Soviet deportations after the Baltic state was occupied by former Soviet forces under a secret pact with Nazi Germany.

Basketball became popular in Lithuania after the small Baltic country won the European basketball championships in 1937 and 1939, when it also hosted the championship.

It will again host the European championship on August 31-September 18, a fact which inspired the runners of the KGB museum to make an exhibition of archive pictures and documents on basketball as a means of survival in the Soviet labor camps.

The first basketball teams appeared in the early 1950s, but they sprang up across the labor camps after Soviet dictator Josef Stalin's death in 1953, when restrictions were eased, Juozeviciute said.

Latvians, Estonians, Ukrainians and others also teamed up and played the sport in the camps.

"Basketball means so much to me, and I am so proud that we are having this championship here," said Butrimas.

(Reporting by Nerijus Adomaitis)

Source: http://us.rd.yahoo.com/dailynews/rss/europe/*http%3A//news.yahoo.com/s/nm/20110824/lf_nm_life/us_lithuania_gulag_basketball

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Source: http://www.msnbc.msn.com/id/21134540/vp/44262534#44262534

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The 10 Best iPad & iPhone Apps For Retirement Planing
Retirement options are a concern of many Americans today. Planning for your retirement is one of the most important things that you can do. You need to start planning early to ensure that once you do retire you have enough funds to last you through the rest of your life.

You need to plan for unexpected expenses, any possible illnesses or emergencies that may occur and any changes in the economy.

The ability to manage retirement options while on the go has many iPhone and iPad users wondering, ?Which retirement planning applications are the best?? The author discusses the 10 best applications in brief for the edification of the reader.

1. RetirePlan

Most users report RetirePlan as one of the best applications on the market. The graphs, spreadsheets and email capability increase the usability of the application. The application is free; so, it is also cost effective.

In just a few seconds you can enter your data and assumptions and the graph will update to show you if your plan will work. If you have more time to spend you can enter as much detail as you want to refine your plan.

The sliders give you an easy way to see what different values will do to your plan. Need to enter a value outside the slider range? press the amount and a calculator will pop up to let you enter whatever number you need. The slider range will update automatically.

Pros:
Easy to enter data, results are based on assumptions, sliders help users determine how different values will affect your retirement plan, spreadsheets include details for every year of the plan, email capability, capable of adding a spouse, pension, college, Social Security or inflation, excellent graphics, ability to add different rates of return or retirement assumptions.

Cons:
No Excel spreadsheet capability, no ability to toggle between charts listing current dollar value and how inflation affects retirement savings, no ability to determine how a market crash would affect the retirement value.

2. Retirement Dashboard

This particular application allows users to visualize the ?value of savings against required retirement wealth.? Users may determine the value of their savings in any type of market.

The easy input screen requires no training for you or your family to start to use Retirement Dashboard. And if you have any questions you can always reference the full glossary at a touch of a button. You can save all your scenarios for future reference. All saved reports can be accesses quickly. Retirement Dashboard has a clear report screen that enables you to view all the output of your calculations.

You can also email the report to family, friends or financial advisors at a touch of a button. This innovative application is available for $4.99.

Pros:
Easy input screen, intuitive and user-friendly, glossary for reference, easy-to-read reports for, viewing calculation outputs, excellent graphical charts, savable retirement reports, investment style types options, estimate value of wealth, capable of sending reports through text or email, supports multiple currencies.

Cons:
None

3. Retire Logix

Retire Logix is an innovative and interactive retirement planning application with sliders and charts for convenience. Users may change assumptions easily. Some assumptions include social security contributions, asset values, annual retirement spending, retirement age and inflation.

Retire Logix lets you split your retirement expenses into your Needs and Your Wants. The money you spend on your daily expense like groceries, household expenses, medical bills, insurance, are considered to be Needs. These are basic expenses you have to support in retirement.

Your Wants are anything you would like to plan for in retirement; things like travel expenses, entertainment, and other fun spending.

Pros:
Free, video Help option, data in application may be uploaded to Finance Logix Portal, retirement, time-line charts, easy to use and intuitive.

Cons:
Requires iOS 4.2 or later.

4. Guide to Retirement Planning

This guide helps users start their retirement plan by providing tips from start to fini

sh. The comprehensive guide teaches you how to make the most of your employer?s pre-defined retirement plan and make some adjustments to improve your financial outcome during retirement.

When was the last time you thought about what you would be doing in 10 years, 20 years, even 30 years? Probably not very often, huh? The thought of retirement planning probably isn?t the most fun activity in the world. With the help of this book, You Can Easily Plan For Your Retirement! It contains more than everything you need to know to get started.

The guide is intended for a ?how to? and may be used in conjunction with other applications. The cost is only $0.99.

Pros:
Helps users find free money in retirement plans provided by employers, teaches users how to invest in the stock market to improve retirement savings, teaches clients how to plan your will, instructs clients about health insurance and long-term care,

Cons:
Does not have the advanced features of other financial planning tools, guide is more instructional than calculations-driven.

5. Vanguard for iPad

Vanguard for iPad Many retirement-age people seek a range of investments. Some people planning for retirement enjoy being in control of their investments.

Vanguard provides an application to help clients monitor their investments for retirement savings. Charts track the activity of stocks, Mutual funds, bonds and Exchange Traded Funds (ETFs).

Pros:
Perform mutual fund account transactions on your iPad, analyze the performance of your investments with charts and graphs, research investments online, view instructional videos and podcasts available through the application, share content through email, enables secure transactions.

Cons:
Not specific to retirement planning. Application primarily tracks investments. Does not have an application to factor in inflation or sliders to include different assumptions.

6. Fidelity Investments for iPad

Fidelity Investments for iPad This application allows retirement planners and investors to take charge of their own investment strategy. Fidelity?s application addresses retirement-age people who are aware of the inflation factors and need a supplement to manage their investments. Through this application, clients may monitor market news and research investment opportunities.

You can view your brokerage and workplace savings accounts from virtually anywhere you are, with news, research, online bill pay, remote check deposit and other powerful tools right at your fingertips.

Pros:
Provides real-time market quotes, offers real-time market news, provides a list of the highest gaining stocks and the stock losers, monitors positions, funds transfers, balances and valuations of holdings, integrates with workplace savings information.

Cons:
Not specific to retirement planning. Application primarily tracks investments.

7. Market Dash

MarketDash from Yahoo! Finance provides easy access to your investment portfolios. Users have access to real-time quotes throughout the day. Clients may monitor all market movements by percentage, price or market cap while on-the-go.

Users are no longer confined to their desks.

Pros:
Stock market comparisons that may be viewed at a glance with interactive charts, real-time market information to help make stock picks, Manual refresh button for instant prices and updates, stock quotes may be easily added to watchlist or portfolio, double-click on the chart for a full-screen view.

Cons:
Not specific to retirement planning. Application primarily tracks investments.

8. The Street

The Street for iPad This iPad application helps users analyze stock picks and view comments from investment experts on Wall Street. Technical analysis is instrumental to understanding how a particular stock will perform.

This is necessary for retirement investors that want to play an active role in their investment strategy.

Pros:
Includes numerous technical indicators that will determine ideal entry and exit points for stocks: Standard deviation, stochastic oscillators, RSI, MACD, CCI, Williams %R, Bollinger Bands, trend lines and others. Real-time stock market news, ETF and options experts. Videos include information about stock market data.

Cons:
Not specific to retirement planning. Application primarily tracks investments.

9. Retirement

The Retirement Calculator will help clients determine what they will need to plan a proper retirement for their clients. This application includes tools such as an IRA or Traditional IRA comparison calculator.

The application may also find quotes for all types of insurance that may be needed in retirement years. Annuities are important investment tools that ensure that people obtain an annual salary in their retirement years. Annuity rates are provided through the application.

Pros:
A Roth IRA versus Traditional IRA comparison calculator is included, an annuity planning calculator is included, insurance comparison calculator tools provides annuity quotes for comparison, a retirement planning calculator is included, an insurance comparison calculator can acquire insurance quotes from 10 different lines of insurance: health, renters, life, disability, long term care, cancer, burial, final expense and others.

Cons:
No specific retirement reports, no inflation calculations, reports cannot be saved.

10. Smart Money Retirement Planner

Smart Money Retirement Planner SmartMoney?s Retirement Planner helps clients determine how their savings and spending habits will affect their retirement. Numerous scenarios can be tested. Whether you are concerned about Social Security or taxes SmartMoney?s Retirement Planner can assist.

The application is free and allows the user to plan for him or herself or a spouse. Users will also learn how to optimize their savings for taxes. Tax havens may be found in certain retirement planning savings tools.

Pros:
Good inputs, quick estimating options.

Cons:
Does not remember or save settings, no capability to export or email output reports, data entry option requires too much effort.

Wednesday, August 31, 2011

August 31st, 2011

Tuesday, August 30, 2011

Monday, August 29, 2011

Sunday, August 28, 2011

Saturday, August 27, 2011

Friday, August 26, 2011

Thursday, August 25, 2011

1. RetirePlan

2. Retirement Dashboard

3. Retire Logix

4. Guide to Retirement Planning

5. Vanguard for iPad

6. Fidelity Investments for iPad

7. Market Dash

8. The Street

9. Retirement

10. Smart Money Retirement Planner

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