Wednesday, August 31, 2011

Patios and Hardscaping Fire Pit | Kutah Yaburo Memursen

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.

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

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Hurricane Irene shuts down elevator with me in it (ContributorNetwork)

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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Real Estate Marketing Online

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.

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

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Automotive Blog? Blog Archive ? Everything Auto Insurance

August 28th, 2011 Admin

This beam to all vehicle word will yield we with all a elementary report we need to get vehicle word in any incident as well as most specialized areas of a vehicle word industry.

Get Instant Car Insurance

Modern multitude in a US is so focused upon a impulse which in most places we can get anything we need in an instant. Why not present vehicle insurance? With a assistance of a good crony a internet, immediate benefit is probable even for this. The following stairs will outline how to get present vehicle word online.

DUI Auto Insurance

DUI Auto Insurance can be a formidable thing to acquire generally if we have some-more than a single upon your record. The good thing is which there have been still a little word companies which will protection you. DUI vehicle word can be some-more costly than differently so a following stairs will assistance to fix up a word association as well as get a most appropriate understanding possible.

Classic Car Insurance Quote Online

Classic vehicle word is opposite than unchanging coverage, though we can really get a preference of removing your classical vehicle word allude to online. It is intensely critical to have certain which we have correct coverage prior to we take a aged lady out for a expostulate to a march or vehicle show. The following essay will item a intricacies of obtaining classical vehicle word online.


Compare Automobile Insurance Quotes

There have been so most intricacies of vehicle word quotes which it can be formidable to review them. It can be generally formidable when we have been removing to quotes over a internet since there have been so most companies as well as we can get so most quotes in a really reduced volume of time. The following stairs will assistance we to assimilate a assorted elements of a vehicle word quotes in sequence to contrariety them as well as select a most appropriate choice for you.


Free Auto Insurance Quotes

There have been so most ways to get giveaway vehicle word quotes which we wish to have certain we have been removing profitable information. Some companies have been quoting we a single thing, where others will allude to something utterly opposite in sequence to try to get your business. Follow these elementary discipline as well as we will find we giveaway vehicle word quotes with no complaint whatsoever.

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

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

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Tuesday, August 30, 2011

Internet Business Outsourcing ? The Right Ways to Manage Your ...

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

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Deus Ex Eyeborg Documentary Shows Today's Cyborgs

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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Monday, August 29, 2011

Police: 2 killed in Baghdad blasts (AP)

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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The Advantages Of Pay day loan Online debt consolidation ...

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.

Cash advance loan debt consolidation loan lets the patron in order to swelling his or her personal loans along with a much reduced rate of interest. Thus, these types of specific continue to be able to make attainable repayments to the entire debt total, nevertheless, this tremendous high interest rates prevent gathering. For many individuals, this can be a only way to start rooting themselves out of your fiscal whole until this finance alternative may make.

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.

The for a longer time that the specific waits to take selling point of payday cash advance debt consolidation loan, nevertheless, the greater attention which will make. Choice . payday cash advance debt consolidation loan alternative that is certainly decided on, was designed to aid minimize the strain associated with will certainly pay off this coppied sums, there can be very little aid if the total is permitted to grow astronomically. On a daily basis often times will be brand new expenses in addition to brand new fines intended for past due payday advances personal loans.

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.

Other articles you might like;

Source: http://bestmortgageratetips.info/blog/2011/08/29/the-advantages-of-pay-day-loan-online-debt-consolidation/

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Fedora Fashion Face-Off: John vs. Johnny!


Note to John Mayer: get your own look!

The irritating artist was spotted out this week in an ensemble that eerily resembles the typical fashion choices of Johnny Depp: facial hair in specific spots, a fedora, a shirt.

Depp, whose latest movie trailer has been released, is yet to comment. But we'd like to hear from THG readers. What do you think of this blatant ganking? And who wears this fashion statement the best?

Source: http://www.thehollywoodgossip.com/2011/08/fedora-fashion-face-off-john-vs-johnny/

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Know-how Sites For Newest Personal computer and Tech News ...

[unable to retrieve full-text content]Know-how Sites For Newest Personal computer and Tech News | News. August 28, 2011 | Filed under: News | Posted by: digitfreak. tech news by TechCocktail. Can Apple hold up versus the Android onslaught? Apple announced new ...

Source: http://www.digitfreak.com/news/11676/know-how-sites-for-newest-personal-computer-and-tech-news-news.html

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Sunday, August 28, 2011

Libs, honestly do you think cost of living will go down under the ...

Neocons Can't Think:

No, the cost of living goes up every year, I don?t expect that to change

*Ouch, some people aren?t fans of the reality that Mercer, Charlie, and I just stated? more of that liberal truth getting in the way of your talking points eh?*

Source: http://webtradecenter-legal-forms.com/13762/libs-honestly-do-you-think-cost-of-living-will-go-down-under-the-obama-administration/

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Libya plans to ship crude from Tobruk by end of September (Reuters)

BENGHAZI, Libya (Reuters) ? Libya plans to restart production at two eastern oil fields in mid-September and resume shipping oil from Tobruk by the end of the same month, offering relief to European countries reliant on its imports.

Oil production in the OPEC country has been at a virtual stand-still for months as clashes between rebels and troops loyal to Muammar Gaddafi have damaged infrastructure and caused foreign workers to flee.

This has forced global economies to pay more than $100 a barrel for Brent crude since the civil war began in February and driven up import costs for major buyers like Italy, Germany and France.

"Operations will start on September 15 and by the end of the month we will have the capability to export from Tobruk," Abdeljalil Mayuf, spokesman for Arabian Gulf Oil Company (AGOCO) told Reuters, referring to the Sarir and Mesla fields deep in the Libyan desert.

He said technical teams would be sent out to the fields after the Muslim holy month of Ramadan ends, in the first week of September.

Initial production will be at around 60,000-100,000 barrels per day and any further increase would depend on the condition of underground wells, he said. Some of this oil will be used to feed AGOCO refineries in east Libya once they restart, he said.

DAMAGE

The oilfields in eastern Libya were damaged by troops loyal to Gaddafi during the country's civil war, killing 14 oil workers.

The damage has now been repaired, AGOCO said, while rebel officials say they have set up a special security force to protect oil infrastructure from saboteurs.

Around 80 percent of Libyan oil fields are in the east of the country around the Sirte basin, with rebel fighters now in control of the key oil ports of Brega and Ras Lanuf.

AGOCO has a total production capacity of around 420,000 barrels per day, or around a quarter of the country's total output before the war began.

Mayuf did not say if former supply contracts negotiated before the war would be respected.

"This will be arranged with the marketing department. There are many clients to choose from."

(Reporting by Emma Farge; Writing by Emma Farge and Christian Lowe; Editing by Karolina Tagaris)

Source: http://us.rd.yahoo.com/dailynews/rss/energy/*http%3A//news.yahoo.com/s/nm/20110828/wl_nm/us_libya_oil_exports

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A Support- Debt Consolidation Loan - business, finance, legal

Majority of people find themselves in debt nowadays, since they do not have a sound financial arrangement or plan to support. One of the most excellent debt management strategies is to merge your entire amount outstanding into one low interest charging account, either in the course of a personal loan, mortgage refinancing, having a loan against the equity of your home or reassigning your credit card balances to a card along with minor interest charges, in favor of transfer balances.

A Debt Consolidation Loan can let you combine diverse high-interest rate unsecured debts into one monthly bill; the disbursement on this one bill can be extensively inferior to the entire of the payments formerly made on all the individual loans.

By means of a debt consolidation loan, you might end up with a minor monthly reimbursement and a longer reimbursement period. This arrangement can facilitate several people, to handle their finances more efficiently.

Debt consolidation usually unites existing credit card and personal loan debts at an inferior rate of interest, which allows you to save money. It is usually feasible to make payments weekly, fortnightly or monthly. The time-span of this loan is set for a plan, which meets your requirements. You can opt between 12 months and 7 years, conditional on the purpose and the sum of your consolidation loan.

This leaves you with a large amount of money in your pocket at the end of each month. This money can either be put towards further lessening your debt by making added payments or can help you shell out cash for things that you would have paid for with credit, formerly. It is essential to note that you do not have to be the owner of property to acquire help of these low interest programs.

Practiced Debt Consolidation Lenders can recommend you some guidance on selecting the accurate debt consolidation loan which will help you in lowering your repayments on your existing outstanding balance.

Even if you have bad credit, some associations can help out in clearing your bad credit record and grant you, a new sense of financial independence.

Source: http://edari2009.com/a-support-debt-consolidation-loan.html

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'HTC Bliss' software screenshots emerge

HTC Bliss HTC Bliss

We've seen a couple of rumors surfacing over the past month or so surrounding the HTC Bliss, an upcoming Android smartphone said to be geared towards women. Now the first purported screenshots of the phone's software have emerged on Chinese site xda.cn, showing what seems to be a UI based on Sense 3.0, but with a few tweaks here and there. These include new widgets, a slightly different app drawer and a redesigned dock along the bottom of the home screen.

Many sites, including the source, are identifying this as HTC Sense 3.5, however there's no evidence provided to support this. Our money is on HTC continuing to use the tried and true Sense layout in most future phones. If anything, we'd say the Bliss software is more likely a fork (offshoot) of Sense 3.0, similar to what we've seen on the T-Mobile's MyTouch 4G Slide. Let us know what you think, though -- there are more shots over at the source link to help you make up your mind.

Source: xda.cn


Source: http://feedproxy.google.com/~r/androidcentral/~3/bb__XTeIj6I/htc-bliss-software-screenshots-emerge

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Saturday, August 27, 2011

RI `Survivor' winner won't get free lawyer (AP)

PROVIDENCE, R.I. ? A Rhode Island judge is refusing to grant free legal counsel to help the winner of the first season of the CBS reality show "Survivor" appeal a nine-month prison sentence.

Judge William Smith on Thursday rejected 50-year-old Richard Hatch's request for a court-appointed attorney to help him fight the sentence handed down in March for violating the terms of his supervised release by failing to settle his tax bill.

Hatch, of Newport, spent more than three years in prison for not paying taxes on his $1 million "Survivor" winnings. He was released in 2009 and ordered to refile his 2000 and 2001 taxes and pay what he owed. Smith ruled he never did and returned him to prison.

Hatch, who claims he is "destitute," is scheduled to be released in December.

Source: http://us.rd.yahoo.com/dailynews/rss/tv/*http%3A//news.yahoo.com/s/ap/20110825/ap_en_tv/us_people_richard_hatch

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CAPTAINS CREEK Homes For Sale | Treasure Coast Real Estate ...

by starfish on August 27, 2011

Find CAPTAINS CREEK Homes For Sale and CAPTAINS CREEK Home Values. We also have information on mortgages, insurance, movers and other Treasure Coast Real Estate Services for anyone looking to sell or buy a home in beautiful Martin COUNTY Florida.

Paul Kitchen and Starfish Team provide clients, family and close friends with professional, honest and dependable service. A resident of Treasure Coast, Paul is extremely familiar with the local neighborhoods including CAPTAINS CREEK, school districts and the Treasure Coast Real Estate market in this beautiful Florida town.

Paul Kitchen
Broker-Owner
Starfish Real Estate
416 SE Cortez Ave. Stuart, Florida 34994
(561) 935-941
(800) 793-7304 toll free
Treasure Coast Real Estate
Treasure Coast Real Estate Blog

Starfish Real Estate

Source: http://www.treasure-coast-living.com/2011/08/27/captains-creek-homes-for-sale-treasure-coast-real-estate/

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Colorado Springs Real Estate ? Common Buyer Mistakes ...

Shopping for Colorado Springs real estate can be an exciting adventure.? From picking out the perfect neighborhood to finding the kitchen of your dreams, buyers have a lot on their minds.? And with so much to keep track of, many buyers can skip over some very important components to the purchasing process.? Here are a few buyer mistakes that commonly keep a buyer from finding their dream home.

Many buyers neglect to speak with a mortgage lender first.? While speaking with a lender certainly isn?t as fun as looking at Colorado Springs real estate, this is a vital step in the home buying process.? Without speaking to a lender, buyers are left guessing at how much money the can spend on a home, or using inaccurate online loan calculators.? And there is nothing worse than finding the perfect home, only to learn that you cannot qualify for the loan.? So, buyers would be wise to take thirty minutes and sit down with a lender to discuss loan options.? And once this process is over, buyers will be much more confident in searching for Colorado Springs real estate, knowing that they really can afford every home they look at.

The next mistake involves Colorado Springs real estate neighborhood research.? Many buyers begin their search looking at homes that meet certain criteria such as number of bedrooms, and bathrooms.? While these are important components to a home, finding the right neighborhood is probably a better place to start.? After all, it is much easier to change the design of a home than it is to change a neighborhood.? Buyers should begin their search identifying desired commute times, schools, shopping areas, crime rates etc.? These elements will help buyers narrow down their search to specific Colorado Springs real estate neighborhoods.? Living in the right neighborhood can also mean that the buyer will stay in the home much longer, which ultimately helps the buyer build significant equity in the home and gain appreciation.? And this will ensure buyers truly love where they live, including their home.

And lastly, many buyers start their Colorado Springs real estate search without a real estate agent.? Many feel that because they are just starting their search an agent isn?t necessary.? This couldn?t be more wrong though.? An agent will help guide the home search ensuring little time is wasted looking at homes that aren?t a match.? The real estate agent also has the ability to schedule numerous showings in one afternoon so that buyers can see a wide range of Colorado Springs real estate options in a short amount of time.? Without an agent, buyers would have to schedule separate showings over multiple days.? This method is both time consuming and exhausting.? Once a home is found, the real estate agent will then be able to advise the buyer on home values, offer pricing, and negotiation strategies.? Without an agent, buyers are at the mercy of the listing agent, seller, and most likely outdated market information posted on various websites.

Keeping these things in mind, buyers should have a great Colorado Springs real estate purchasing experience.? By setting a home buying budget, finding the perfect neighborhood, and using a knowledgeable real estate agent, buyers surely have fun finding their next home.

Related posts:

  1. Buyer Tips for Colorado Springs Houses

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

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Friday, August 26, 2011

Community Debt Services | websarf.com

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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Budget deficit slips to $1.28T; red ink continues (AP)

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 - North Bay News ...

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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Thursday, August 25, 2011

Tennessee's Summitt has early onset dementia (AP)

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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Basketball helped Lithuanians survive Soviet gulag (Reuters)

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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Video: ?I hope my kids appreciate the choices I?ve made?

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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

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

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

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

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 iPadMany 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 iPadThis 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 YahooMarketDash 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 iPadThis 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 CalculatorThe 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 PlannerSmartMoney?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.

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Source: http://www.wealthbuildingcourse.com/10-ipad-iphone-apps-retirement-planing.html

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