শুক্রবার, ৩০ নভেম্বর, ২০১২

Adapting fish defenses to block human infections: Antimicrobial peptide of fish gills inspire clean surfaces

ScienceDaily (Nov. 29, 2012) ? An undergraduate research team analyzes peptides from fish gills to engineer antimicrobial surfaces for food preparation and medical devices.

Living in an environment teaming with bacteria and fungi, fish have evolved powerful defenses against waterborne pathogens, including antimicrobial peptides located in their gills. Undergraduate researchers at Worcester Polytechnic Institute (WPI) are studying the biology and the mechanics of one of those peptides with the hope they can use that knowledge to create engineered surfaces that kill bacteria responsible for foodborne illnesses and hospital-acquired infections.

The research team, led by Terri Camesano, professor of chemical engineering, reports its latest findings in the paper "Creating Antibacterial Surfaces with the Peptide Chrysophsin-1," published online in October by the journal ACS Applied Materials & Interfaces.

"Fish have a wonderful solution for blocking bacterial and fungal infections," Camesano said. "In this study, we are working to better understand the biochemical mechanics of that process."

As fish filter water through their gills to extract oxygen, antimicrobial peptides (AMPs), including Chrysosphin-1, trap and kill pathogens before they can invade the fish's bloodstream. Scientists in many laboratories around the world are actively exploring the potential use of these molecules to prevent human infections. In the current study, the WPI team attached AMPs to silicon and gold surfaces using two different approaches and measured the bound peptides' ability to kill the bacterial pathogen E. coli.

In the first method, the AMPs were absorbed directly onto gold and silicon crystals, forming a single layer of molecules with the AMPs lying flat on the surface. In the second method, the tips of the AMPs were attached to the surfaces with a glue-like substance so that the peptides rose vertically, like blades of grass extending up from the ground. Surfaces with both AMP configurations were cultured with E. coli cells. The results showed that when the AMPs were lying flat they killed 34 percent of the bacteria in the culture, but when they were standing up vertically they killed 82 percent.

"The hypothesis is that when peptides are attached vertically to the surfaces, they are better able to move and bend so they take on a shape that is more effective in binding to and disrupting the E.coli cells," Camesano said.

In addition to gathering data about the antibacterial efficacy of the attached AMPs, the WPI research team developed a technique for monitoring, in real time, the attachment of AMPs to surfaces. Using quartz crystal microbalance with dissipation monitoring (QCM-D), the team measured the quantity of AMPs that successfully attached to the surfaces in the horizontal and vertical orientations and the density of the AMP layers, along with other properties.

"This was a powerful process, to be able to essentially watch the binding process as it happened," Camesano said. "It is a technique that we will continue to apply in further studies."

Camesano said gold and silicon surfaces were selected for the current study because their chemical properties are well-suited for AMP binding. In ongoing work, Camesano's laboratory will continue to characterize the mechanics of AMP binding for optimal antimicrobial activity and test other materials, including titanium, stainless steel, and plastics, that would have greater utility in food preparation and healthcare.

"What is also notable about this study is that it is the work of undergraduates," Camesano said. "They've done excellent work here that will inform future graduate studies in our lab."

The WPI undergraduates who co-authored the AMP paper are Ivan Ivanov '12 (chemical engineering), Alec Morrison '12 (biochemistry), and Jesse Cobb '12 (chemical engineering). Co-author Catherine Fahey, a student at George Washington University, worked on the study during at a summer project at WPI. Their work was sponsored in large part by a grant from the National Science Foundation's Research Experiences for Undergraduates (REU) program.

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Story Source:

The above story is reprinted from materials provided by Worcester Polytechnic Institute.

Note: Materials may be edited for content and length. For further information, please contact the source cited above.


Journal Reference:

  1. Ivan E. Ivanov, Alec E. Morrison, Jesse E. Cobb, Catherine A. Fahey, Terri A. Camesano. Creating Antibacterial Surfaces with the Peptide Chrysophsin-1. ACS Applied Materials & Interfaces, 2012; 4 (11): 5891 DOI: 10.1021/am301530a

Note: If no author is given, the source is cited instead.

Disclaimer: This article is not intended to provide medical advice, diagnosis or treatment. Views expressed here do not necessarily reflect those of ScienceDaily or its staff.

Source: http://feeds.sciencedaily.com/~r/sciencedaily/top_news/top_environment/~3/ITvzRKpKZoc/121129143502.htm

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Internet service goes out across Syria

BEIRUT (AP) ? Internet service went down Thursday across Syria and international flights were canceled at the Damascus airport when a road near the facility was closed by heavy fighting in the country's civil war.

Activists said President Bashar Assad's regime pulled the plug on the Internet, perhaps in preparation for a major offensive. Cellphone service also went out in Damascus and parts of central Syria, they said. The government blamed rebel fighters for the outages.

With pressure building against the regime on several fronts and government forces on their heels in the battle for the northern commercial hub of Aleppo, rebels have recently begun pushing back into Damascus after largely being driven out of the capital following a July offensive. One Damascus resident reported seeing rebel forces near a suburb of the city previously deemed to be safe from fighting.

The Internet outage, confirmed by two U.S.-based companies that monitor online connectivity, is unprecedented in Syria's 20-month-old uprising against Assad, which activists say has killed more than 40,000 people.

Regime forces suffered a string of tactical defeats in recent weeks, losing air bases and other strategic facilities. The government may be trying to blunt additional rebel offensives by hampering communications.

U.S. State Department spokeswoman Victoria Nuland condemned what she called the regime's "assault" on Syrians' ability to communicate with each other and express themselves. She said the move spoke to a desperate attempt by Assad to cling to power.

Syrian authorities often cut phone and Internet service in select areas to disrupt rebel communications when regime forces are conducting major operations.

The government sent mixed signals about the Internet outage but denied it was nationwide. The pro-regime TV station Al-Ikhbariya quoted Information Minister Omran al-Zoubi as saying that "terrorists" have targeted Internet cables, interrupting service in several cities.

Separately, state-run TV said the outage was due to a technical failure that affected some provinces, adding that technicians were trying to fix it.

Activists in Syria, reached by satellite telephones unaffected by the outage, confirmed the communications problems.

A young Syrian businessman who lives in an upscale neighborhood of Damascus, which some refer to as part of "the green zone" because it has remained relatively safe, sent a text message to an Associated Press reporter Thursday that said the Internet had been cut in his area and that mobile phone service was cutting out.

He said he was driving Wednesday through the Damascus suburb of Aqraba, near the airport, and saw dozens of rebel fighters for the first time in the area, riding in pickup trucks and motorcycles, and wielding AK-47s.

Their presence so close to the "green zone" may have led to the Internet being cut, said the resident, who spoke on condition of anonymity because he feared government reprisal. He said the military was positioned a few hundred meters away from the rebel fighters and had built large speed bumps to enclose the area.

The opposition said the Internet blackout was an ominous sign that the regime was preparing a major offensive.

"I fear that cutting the Internet may be a prelude to a massacre in Damascus," said Adib Shishakly, a Syrian opposition figure from Cairo, Egypt. "The regime feels it is being choked off by rebels who are closing in on the capital from its suburbs. It's a desperate move; they are trying to sever communications between activists."

Renesys, a U.S.-based network security firm that studies Internet disruption, said in a statement that Syria effectively disappeared from the Internet at 12:26 p.m. local time.

"In the global routing table, all 84 of Syria's IP address blocks have become unreachable, effectively removing the country from the Internet," Renesys said. It added that the main autonomous system responsible for Internet in the country is the Syrian Telecommunications Establishment, and that "all of their customer networks are currently unreachable."

Akamai Technologies Inc., another U.S.-based company that distributes content on the Internet, also confirmed the complete outage.

Jim Cowie, the chief technology officer at Renesys, said the abruptness of the outage suggested it wasn't due to a severed cable. Syria has several cables that connect it to the outside world, and all of them would have had to be cut at once for a complete outage. A power outage or an intentional shutdown at central Syrian telecommunications facilities is a more likely cause, he said.

"We saw everything go in three to four minutes, which looks like a light switch," Cowie said.

He said the profile of the outage was similar to what the Egyptian government did in January 2011 during the Arab Spring uprising that toppled longtime leader Hosni Mubarak. Egypt switched off the Internet for five days, halting businesses, banking and ? at the height of the demonstrations ? the ability of protest leaders to organize and communicate with each other.

Bahrain's Sunni rulers also jammed cellphones during the military offensive on the protesters' encampment in the capital of Manama in March 2011. Internet service remained at a crawl when the Bahrain's military stormed the city's Pearl Square ? the headquarters of the revolt ? after weeks of street protests.

Ann Harrison, deputy program director for the Middle East and North Africa at Amnesty International, said in a statement that the group worried the communications were cut in Syria "to shield the truth of what is happening in the country from the outside world."

The shadowy group of hacker-activists known as Anonymous sent out a tweet Thursday saying that as of 9 p.m. (0200 GMT Friday) it would "begin removing from the Internet all web assets belonging to the Assad regime that are NOT hosted in Syria. We will begin with the websites and servers belonging to ALL Syrian Embassies abroad, which we will begin systematically removing from the Internet tonight." It said the first target was the website of the Syrian Embassy in China.

"By turning off the Internet in Syria, the butcher Assad has shown that the time has come for Anonymous to remove the last vestiges of his evil government from the Internet," Anonymous said in its statement.

Thursday's violence appeared to be focused on southern suburbs near the Damascus international airport, forcing the military to shut the road to the facility. The surrounding districts have been strongholds of rebel support since the uprising began.

At the United Nations, the secretary-general's office said at least four soldiers assigned to the U.N. Disengagement Observer Force in the Golan Heights were injured in the crossfire on the airport road as their unit was heading out for a routine rotation of forces.

Rami Abdul-Rahman, head of the Britain-based Syrian Observatory for Human Rights, said the regime has started a major offensive around the airport where rebels have been particularly active in recent weeks.

Abdul-Rahman, who relies on a network of activists in Syria, said large convoys of government reinforcements were seen heading south toward the airport, which is 25 kilometers (15 miles) southeast of Damascus. The fighting was concentrated in and around the suburbs of Aqraba and Beit Saham, he said.

The Syrian Information Ministry later said the airport road was secure after attacks by "terrorist groups" on motorists, according to state TV. It was not immediately clear whether the road had been reopened.

The fighting prompted both Emirates airline and EgyptAir to cancel flights to Damascus.

Despite months of sporadic fighting and deteriorating security in Damascus, the airport has remained open.

But EgyptAir said in a statement that the airline will halt all flights to Damascus and Aleppo starting Friday, until further notice. EgyptAir head Rushdi Zakaria said the decision was due to deteriorating security conditions in Syria.

Syrian TV also said government forces were chasing "al-Qaida elements" around Damascus, mostly in the eastern suburbs of Douma and the southern suburb of Daraya.

The Observatory said the regime used warplanes to hit districts including Daraya, where fighting has raged for days.

The operation around Damascus comes days after rebels made significant advances in the area. Last week, they captured a major helicopter base just outside the capital.

In the southern city of Daraa, where the uprising began, rebels detonated a car bomb near the house of a senior member of the country's ruling Baath Party, killing him and his three bodyguards, activists said. Rebels frequently target regime figures and military commanders.

___

Associated Press writers Barbara Surk in Beirut, Matthew Lee in Washington, Peter Svensson in New York, Peter James Spielmann at the United Nations, Robert H. Reid in Berlin and Aya Batrawi in Cairo contributed to this report.

Source: http://news.yahoo.com/internet-goes-across-syria-213845781--finance.html

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বৃহস্পতিবার, ২৯ নভেম্বর, ২০১২

Kelly Warter to Lead Umpqua Bank's New Homebuilder Finance ...

Umpqua Bank?continues the expansion of its commercial real estate presence in the Pacific Northwest with the addition of a new homebuilder finance group. The new group will provide Oregon- and Washington-based residential regional homebuilders and developers with access to construction and development loans.

To lead the venture, Umpqua has hired Kelly Warter as senior vice president and homebuilder finance manager. Based in Seattle, Warter will oversee the bank?s homebuilder finance operations, including the expansion of products and portfolios. Warter brings more than 30 years of homebuilder finance and commercial real estate lending experience and will report to John Swanson, senior vice president and head of Umpqua Bank?s commercial real estate division.

?We are very pleased to welcome Kelly to the Umpqua Bank team,? said John Swanson. ?Her extensive experience in construction and residential development lending make Kelly a tremendous asset as we expand our commercial real estate offerings throughout the Pacific Northwest.?

Also joining Umpqua?s homebuilder finance division are Lisa Woodruff, senior assistant relationship manager, and Sheneil Kliewer, senior loan administrator. Collectively, the team has more than 50 years of experience in homebuilder and developer financing.

For more information about Umpqua Bank, its homebuilder and commercial real estate offerings, visit umpquabank.com.

About Umpqua Bank

Umpqua Bank, headquartered in Roseburg, Ore., is a subsidiary of Umpqua Holdings Corporation with locations between San Francisco and Seattle, along the Oregon and Northern California Coast, and in Central Oregon and Northern Nevada. Umpqua Bank has been recognized for its innovative customer experience and banking strategy by national publications including The Wall Street Journal, The New York Times, BusinessWeek, Fast Company and CNBC. The company has been recognized for the past six years in a row on FORTUNE magazine?s list of the country?s ?100 Best Companies to Work For.? Umpqua Holdings also owns a retail brokerage subsidiary, Umpqua Investments, Inc., which offers services through Umpqua Bank stores and in dedicated offices throughout Oregon. Umpqua?s Wealth Management Division serves high net worth individuals and nonprofits by providing customized financial solutions and offerings. Umpqua Holdings Corporation is headquartered in Portland, Ore. For more information, visit http://www.umpquabank.com.

Source: http://bellevuebusinessjournal.com/2012/11/29/kelly-warter-lead-umpqua-banks-homebuilder-finance-group/

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Apple's ultra-thin iMac to become available on Nov. 30

12 hrs.

Apple announced an upcoming?update to its popular iMac desktop computer line in October, but on Tuesday the Cupertino-based company finally confirmed that the 21.5-inch version of the?new, ultra-thin desktop will be available on Nov. 30.?

"Isn't it amazing how something new makes the previous generation instantly look old?" asked?Apple's senior vice president of worldwide marketing, Phil Schiller, when he first?unveiled what a press release calls "the most advanced desktop Apple has ever made."?The new iMac looks quite similar to the previous generation from the front, but from the side, it is incredibly clear that the desktop has undergone a significant redesign: It has an edge that's a mere 5 millimeters thin.?There is, of course, a bit of a bulge in the middle of the computer's back, for the sake of some internal components, but it still has about 40 percent less internal volume than its older siblings and weighs about eight pounds less, as NBC News' contributor Joel Johnson pointed out when we first heard about the new iMac.

The new iMac is offered in 21.5-inch and 27-inch versions, which start at $1,300 and $1,800, respectively. The new desktops have displays with 75 percent less reflection than the prior generation and a Fusion Drive option (which combines a standard hard drive and a flash-based one to offer up to 60 percent faster performance).

While the 21.5-inch version of the new iMac will begin arriving in customers' homes on Nov. 30, its?27-inch counterpart won't begin shipping until December, according to a press release issued by Apple.

Want more tech news?or interesting?links? You'll get plenty of both if you keep up with Rosa Golijan, the writer of this post, by following her on?Twitter, subscribing to her?Facebook?posts,?or circling her?on?Google+.

Source: http://www.nbcnews.com/technology/gadgetbox/apples-ultra-thin-imac-become-available-nov-30-1C7275554

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PFT: Bowman, 49ers reach 6-year extension

Jed Collins, NaVorro BowmanAP

At a time when few young players are signing long-term deals, 49ers linebacker NaVorro Bowman has decided to take the money and run ? before he can?t run anymore.

Per a league source, the deal that Bowman accepted includes less than $8 million in fully-guaranteed money, via a $7.5 million signing bonus and the balance of his $540,000 base salary for 2012.? But the deal contains millions more in salary guaranteed for injury only, for now.

In 2013, a $4 million option bonus is due to Bowman; it?s fully guaranteed for now.? Ditto for Bowman?s $630,000 base salary in 2013.? The salary becomes fully guaranteed at the start of the 2013 league year.

In 2014, Bowman has a $4 million base salary, which is guaranted for injury, for now.? It becomes fully guaranteed at the start of the 2014 league year.? He also can earn per-game active roster bonuses that total, if all earned, $750,000.

In 2015, Bowman?s base salary is $4.7 million.? Again, it?s guaranteed for now for injury only.? It becomes fully guaranteed at the start of the 2015 league year.? Bowman also has the per-game roster bonuses that total $750,000.

In 2016, the base salary is $5.85 million.? $4.17 million of it is guaranteed for injury only for now; it becomes fully guaranteed at the start of the 2016 league year.? Bowman once again has the per-game roster bonuses that total $750,000.

In 2017, Bowman?s base salary is $6.75 million, non-guaranteed, with the per-game roster bonuses that total $750,000.

In 2018, the salary pushes to $8.7 million, with the per-game roster bonuses that total $750,000.

Given the free-agent market for linebackers (it?s nearly as soft as the veteran running back market) and the ever-present injury risk for a young player making minimum salaries, it makes sense for Bowman to take an offer that, in reality, he couldn?t have refused.

Source: http://profootballtalk.nbcsports.com/2012/11/27/navorro-bowman-expected-to-sign-with-49ers-through-2018/related/

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Workers raise 1st section of new Chernobyl shelter

Construction workers assist in the assembly of a gigantic steel-arch to cover the remnants of the exploded reactor at the Chernobyl nuclear power plant in Chernobyl, Ukraine, Tuesday, Nov. 27, 2012. The new safe confinement, a structure that is being built over reactor 4 damaged in 1986 as a result of the world's worst nuclear accident, will cover a hastily built sarcophagus, which was erected shortly after the explosion. (AP Photo/ Efrem Lukatsky)

Construction workers assist in the assembly of a gigantic steel-arch to cover the remnants of the exploded reactor at the Chernobyl nuclear power plant in Chernobyl, Ukraine, Tuesday, Nov. 27, 2012. The new safe confinement, a structure that is being built over reactor 4 damaged in 1986 as a result of the world's worst nuclear accident, will cover a hastily built sarcophagus, which was erected shortly after the explosion. (AP Photo/ Efrem Lukatsky)

Construction workers assist in the assembly of a gigantic steel-arch to cover the remnants of the exploded reactor at the Chernobyl nuclear power plant in Chernobyl, Ukraine, Tuesday, Nov. 27, 2012. The new safe confinement, a structure that is being built over reactor 4 damaged in 1986 as a result of the world's worst nuclear accident, will cover a hastily built sarcophagus, which was erected shortly after the explosion. (AP Photo/ Efrem Lukatsky)

Construction workers assist in the assembly of a gigantic steel-arch to cover the remnants of the exploded reactor at the Chernobyl nuclear power plant in Chernobyl, Ukraine, Tuesday, Nov. 27, 2012. The new safe confinement, a structure that is being built over reactor 4 damaged in 1986 as a result of the world's worst nuclear accident, will cover a hastily built sarcophagus, which was erected shortly after the explosion. (AP Photo/ Efrem Lukatsky)

Construction workers assist in the assembly of a gigantic steel-arch to cover the remnants of the exploded reactor at the Chernobyl nuclear power plant in Chernobyl, Ukraine, Tuesday, Nov. 27, 2012. The new safe confinement, a structure that is being built over reactor 4 damaged in 1986 as a result of the world's worst nuclear accident, will cover a hastily built sarcophagus, which was erected shortly after the explosion. (AP Photo/ Efrem Lukatsky)

Construction workers assist in the assembly of a gigantic steel-arch to cover the remnants of the exploded reactor at the Chernobyl nuclear power plant in Chernobyl, Ukraine, Tuesday, Nov. 27, 2012. The new safe confinement, a structure that is being built over reactor 4 damaged in 1986 as a result of the world's worst nuclear accident, will cover a hastily built sarcophagus, which was erected shortly after the explosion. (AP Photo/ Efrem Lukatsky)

CHERNOBYL NUCLEAR POWER STATION, Ukraine (AP) ? Workers have raised the first section of a colossal arch-shaped structure that eventually will cover the exploded nuclear reactor at the Chernobyl power station.

Project officials on Tuesday hailed the raising as a significant step in a complex effort to clean up the consequences of the 1986 explosion, the world's worst nuclear accident. Upon completion, the shelter will be moved on tracks over the building containing the destroyed reactor, allowing work to begin on dismantling the reactor and disposing of radioactive waste.

Suma Chakrabati, president of the European Bank for Reconstruction and Development, which is leading the project, called Tuesday "a very significant milestone, which is a tribute to the ongoing commitment of the international donor community, and an important step towards overcoming the legacy of the accident."

The shelter, shaped like a gargantuan Quonset hut, will be 257 meters by 150 meters (843 feet by 492 feet) when completed and at its apex will be higher than the Statue of Liberty.

The April 26, 1986, accident in the then-Soviet republic of Ukraine sent a cloud of radioactive fallout over much of Europe and forced the evacuation of about 115,000 people from the plant's vicinity. A 30-kilometer (19-mile) area directly around the plant remains largely off-limits and the town of Pripyat, where the plant's workers once lived, today is a ghostly ruin of deteriorating apartment towers.

At least 28 people have died of acute radiation sickness from close exposure to the shattered reactor and more than 6,000 cases of thyroid cancer have been detected in people who, as children or adolescents, were exposed to high levels of fallout after the blast.

Officials who showed reporters around the construction site Tuesday were clearly delighted at the colossus taking shape before them, but concerned about the challenges ahead. The shelter is to be moved over the reactor building by the end of 2015 ? a deadline that no one wants to miss given that the so-called sarcophagus hastily built over the reactor building after the 1986 explosion has an estimated service life of about 30 years.

The arch now under construction is only one of two segments that will eventually form the shelter, and so far it's only been raised to a height of 22 meters (72 feet). More structural elements have to be added before it reaches its full height of 108 meters (354 feet), and the work so far has taken seven months.

"There's no room for error ... the schedule is very tight," said Vince Novak, director of the EBRD's nuclear safety department, who added that staying within budget is also a concern.

The overall shelter project is budgeted at ?1.54 billion ($2 billion) ? ?1 billion ($1.3 billion) of that for the structure itself ? and much uncertainty lies ahead. One particular concern is dismantling the plant's chimney, which must be taken down before the shelter is put in place. The chimney is lined with radioactive residue that could break up and enter the atmosphere as it is taken apart. Laurin Dodd, managing director of the shelter project management group, said some sort of fixative will have to be applied to the chimney's interior.

"This is one of the most challenging parts, because it's an unknown," he said.

Other possible delays could come if excavations for the shelter's foundation uncover radioactive waste or even buried machinery. Dodd said other excavations unearthed several bulldozers and cranes that had to be decontaminated.

Even when the shelter is in place, the area around the reactor building will remain hazardous. The shelter is aimed only at blocking radioactive material from escaping when the reactor is being dismantled; it won't block radiation itself.

But when the dismantling and cleanup work is complete, the radiation danger will decline. How long that would take is unclear, but officials on Tuesday allowed themselves to envision a happier Chernobyl a century from now, with the plant's director speculating that the huge shelter may even become a tourist attraction.

Plant director Igor Gramotkin drew a parallel between the shelter and the Eiffel Tower.

"Originally, that was intended to be destroyed. But I think this (shelter) will be so impressive that even in 100 years people will come to look at it," he said.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/cae69a7523db45408eeb2b3a98c0c9c5/Article_2012-11-27-Ukraine-Chernobyl/id-424b1de917794570852aa66b180e1f08

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David Cantone: Emprendedor Online, Internet Marketing & Business ...

| This entry was posted in art movies and tagged Blogger, BloggerCast, Blogging, Business, Cantone, David, Emprendedor, Internet, Marketing, Negocios, Online, Podcast, Productividad, Strategist. Bookmark the permalink. Follow any comments here with the RSS feed for this post. or leave a trackback.

Source: http://www.allmovies-online.com/david-cantone-emprendedor-online-internet-marketing-business-strategist-blogger-bloggercast-podcast-negocios-online-blogging-internet-marketing-productividad/

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Factbox: Japan ruling party's policy platform for December poll

(Reuters) - Japan's ruling Democratic Party (DPJ), unveiled its election manifesto on Tuesday, vowing to defend the nation's interests with "cool-headed" and "practical" diplomacy to contrast with the hawkish rhetoric of its main opposition rivals.

Following are key points from the DPJ's campaign platform:

FOREIGN POLICY AND SECURITY

- Promote "cool-headed" and "practical" foreign diplomacy and defense, and deepen an alliance between Japan and the United States.

- Do utmost to protect Japanese territory by expanding and strengthening guarding and surveillance carried out mainly by Japan's Coast Guard.

- Strengthen relationships with countries of the Asia-Pacific region such as China, Korea, ASEAN nations, India, Australia and Russia.

ECONOMY

- Compile a large-scale extra budget at the beginning of 2013 for seamless economic policy to beat deflation and boost the economy.

- Aim to achieve average annual nominal economic growth of about 3 percent and real growth of 2 percent by the fiscal year 2020/21 by focusing on green energy, healthcare and agriculture areas, and speeding up trade partnerships to tap growing overseas markets.

- Continue regulatory and institutional reforms in areas such as energy, healthcare and farming.

- Set up an environment where corporations including small-and-medium-sized firms can develop business by reviewing tax system, regulations and support for locating.

- Do the utmost to beat deflation in cooperation with the Bank of Japan based on the joint statement issued in October 2012. Aim to beat deflation by the fiscal year 2014/15.

- Take decisive steps against excessive yen's strength and rapid currency moves reflecting the view sharp yen rises are harmful to the economy.

- Speed up reconstruction in the areas hit by the 2011 earthquake, tsunami and nuclear crisis by strengthening the reconstruction agency, special economic zones and through subsidies.

- Allocate all the revenue from sales tax increases to financing of the social security while adopting measures to ease the burden imposed on low-income earners.

- Halve Japan's primary budget deficits by the fiscal 2015/16 and achieve primary a budget surplus by fiscal 2020/21.

SPENDING CUTS AND SAVINGS

- Introduce a law that will require ministries and government agencies to carry out annual reviews of public projects with the view of cutting wasteful spending.

- Reduce the number of parliamentary seats by cutting 75 of 480 lower house seats and 40 in the 242-member upper house during the next ordinary parliamentary session.

TRADE

- Pursue the U.S.-led free trade pact, the Trans-Pacific Partnership (TPP), in parallel with free trade among Japan, Korea and China, and the Regional Comprehensive Economic Partnership.

- In doing so, protect Japan's agriculture, food safety and universal health-care system based on a premise to protect national interests.

ENERGY POLICY

- Employ all the policy resources available to make it possible to put an end to nuclear power generation by the 2030s.

- Deregulate the utility sector including possibly "unbundling" regional utilities' control of power generation and transmission of electricity.

- Compile a plan within 2012 to secure safe decommissioning of nuclear reactors damaged by the natural disaster and thorough safety checks of nuclear reactors which Japan restarted after the disaster.

(Reporting by Kaori Kaneko; Editing by Raju Gopalakrishnan)

Source: http://news.yahoo.com/factbox-japan-ruling-partys-policy-platform-december-poll-090444078--business.html

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Rachel Uchitel-Tiger Woods Affair: Happy Three-Year Anniversary!

Source: http://www.thehollywoodgossip.com/2012/11/rachel-uchitel-tiger-woods-affair-happy-three-year-anniversary/

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US twin astronaut, Russian to spend year in orbit

CAPE CANAVERAL, Fla. (AP) ? A former space shuttle commander whose twin brother is married to former Rep. Gabrielle Giffords will attempt the longest spaceflight ever by an American.

NASA astronaut Scott Kelly and Russian cosmonaut Mikhail Kornienko will spend an entire year aboard the International Space Station beginning in 2015.

Both countries' space agencies announced the names of the two veteran spacefliers on Monday. The extended mission was approved almost two months ago to provide a medical foundation for future missions around the moon, as well as far-flung trips to asteroids and Mars.

Both men already have lived aboard the space station for six months. NASA wanted experienced space station astronauts to streamline the amount of training necessary for a one-year stint. Officials had said the list of candidates was very short. They will begin training next year.

"Their skills and previous experience aboard the space station align with the mission's requirements," Bill Gerstenmaier, head of human exploration for NASA, said in a statement. "The one-year increment will expand the bounds of how we live and work in space and will increase our knowledge regarding the effects of microgravity on humans as we prepare for future missions beyond low-Earth orbit."

Kelly's identical twin brother, Mark Kelly, retired from the astronaut corps last year and moved to Tucson, Ariz., his wife's hometown. The former congresswoman was critically wounded in an assassination attempt in January 2011, while Scott Kelly was living aboard the space station.

Astronauts normally spend about four to six months aboard the space station. The longest an American lived there was seven months, several years back.

Russia, though, will continue to hold the world space endurance record.

Three cosmonauts spent at least a year aboard the old Mir space station. A Russian physician, Valery Polyakov, logged nearly 15 continuous months there in the mid-1990s.

Boris Morukov, head of the Moscow-based Institute for Medical and Biological Problems, Russia's main space medicine research center, told the Interfax news agency that communications and food rations for Kelly and Kornienko may be limited during their yearlong mission to better simulate interplanetary travel.

Kelly and Kornienko will launch aboard a Russian rocket from Kazakhstan. Americans must buy seats on Russian spacecraft now that NASA's shuttles have retired to museums, until private U.S. companies have vessels capable of carrying human passengers. That's still four or five years off.

Kelly is a 48-year-old, divorced Navy captain with two daughters. Kornienko, 52, a rocket engineer, is married with a daughter.

"We have chosen the most responsible, skilled and enthusiastic crew members to expand space exploration, and we have full confidence in them," Russian Space Agency chief Vladimir Popovkin said in the announcement.

___

AP writer Vladimir Isachenkov in Moscow contributed to this report.

___

Online:

NASA: http://www.nasa.gov/mission_pages/station/main/index.html

Source: http://news.yahoo.com/us-twin-astronaut-russian-spend-orbit-171859046.html

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Ayala Land Real Estate Philippines ? ALVEO's ? FERNDALE ...

An Intimate Campus Living in the Heart of Quezon City

Alveo Land?s first and newest residential development in Quezon City, Ferndale Villas will let you relive the experience of a distinct campus life you hold close to your heart.

Set against a backdrop of natural landscapes, open spaces and canopied walkways.

Enjoy living where your children are free to learn, live and love?..

Ferndale Villas ? Amenities and Facilities

The Central Park is divided into several areas, offering distinct activities and experiences for the whole family.

Ferndale Villas Open Lawn

Ferndale Villas Pool

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  • Terraced Seating
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ALVEO?s ? FERNDALE VILLAS in Quezon City Availability Maps (as of November 26, 2012)

Ferndale Villas Availability November 26, 2012

For Inquiries, Please Call JP, Tony or Vicky Reyes at 930-7635, 211-1970, 453-8373, 425-2979 or 09178653689 or 09173138271 or 09173138273 or 09173138278 | APReyes Realty Investment | Feel free to ask us questions about Townhouses for sale in Ferndale Villas in Quezon City, we will be happy to answer them for you. Please contact only the undersigned for viewing appointments or site tripping. Or INQUIRE NOW by CLICKING HERE.

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Source: http://www.ayalalandrealestate.com/alveos-ferndale-villas-in-quezon-city-for-sale-as-of-november-26-2012/

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Heavy Equipment & Tools, Home Improvement: Skid & the Too Tiny

Skid & the Too Tiny Tunnel (Hardcover)
By Jeffery Stoddard

Review & Description

Skid, the littlest yellow tractor in the equipment yard, wants to be mighty like the giant bulldozers, tall cranes, and massive diggers who tower over him. But all the big machines tell him he is just a dinky tractor with a putt-putt engine. While they are busy building a new road through the mountain, Skid is left behind to take out the garbage.

When disaster strikes and a tunnel the machines are digging collapses, Pillar, the biggest bulldozer, is left trapped in the rubble. Only a small opening is left at the tunnel entrance and the only one who can fit through the opening is Skid who is afraid of the dark.

Now it's up to the tiniest tractor to save the day. Can Skid find the courage to do what he was made to do and prove that he doesn't have to be big to be mighty? Be strong and courageous. Do not be afraid or terrified because of them, for the LORD your God goes with you; he will never leave you nor forsake you. Deuteronomy 31:6 NIV

Read more

Find out More for the best price at Amazon

Source: http://heavy-equipment-tools-home.blogspot.com/2012/11/skid-too-tiny-tunnel-hardcover.html

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Source: http://ramgopall987456.blogspot.com/2012/11/heavy-equipment-tools-home-improvement.html

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Learn Some Tips For Stock Market Investing Right Here | Deluxe ...

Stock market investing is not for the faint of heart. You can make money, but also lose a lot in the process. When you implement what you?ve learned from this article, you?ll make smart, profitable decisions.

If you focus your portfolio on the most long range yields, you want to include strong stocks from various industries. While the entire market tends to grow, not every sectors will grow yearly. To improve your portfolio as a whole, you must have stocks from the industries that are growing, and this includes having stocks from different industries. You want to make sure you are constantly re-balancing in order to help decrease your losses in bad profit sectors while still keeping a hand in them for possible future growth cycles.

Don?t let your enthusiasm overwhelm you. It is great to be passionate about investing, however it should not dominate your life. Obsessing over your finances in the market can become an addictive routine, and if you do it too much you could become tired of it and end up making mistakes.

Keep in mind that profits don?t always result from cash. Cash flow is key to your investment portfolio and life. It is a good idea to reinvest your earnings, but make sure you have enough money to pay your bills. Make sure you keep an emergency fund of six months living expenses somewhere liquid and safe.

Make your first investments with the bigger, more familiar companies. If you are a novice trader, begin with a portfolio that consists of large company stocks, as these are normally lower risk. Once your portfolio is established, you can add some diversification with smaller or mid-sized stocks. Smaller companies may have the potential to experience exponential growth quickly but they also come with a greater risk of losing money.

Never permit others to talk you into purchases. While it?s a good idea to take advice from others in certain parts of your life, investing in stocks is not the time to do that. Keep your own counsel when making investment decisions. Your own intuition is what sets you apart from other investors.

The projected return and price to earning relationship are the first things to consider when evaluating a stock you want to acquire for your portfolio. Generally speaking, the PE ratio should show half the projected return. If you want to invest in a stock that has a projected return of 10%, then look for a price to earning ratio of no more than twenty.

Many an investor has found that undue greed worsens their position in the stock market rather then improving it. This is the main reason why people lose everything they invest. Instead, once you?ve earned reasonable profits, sell your stock and take the money.

Stocks are much more than the paper that certifies your shares. While you are a stock owner, you own a part of a company. You are generally entitled to some dividends or claims on assets. In some instances, you may be able to vote on corporate leadership.

Again, there are lots of ways you can protect your money?s safety when investing in stocks. The money you put into the stock market is important; you should safeguard that investment by making use of this article?s advice.

Source: http://www.deluxoland.com/learn-some-tips-for-stock-market-investing-right-here/

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IT BUSINESS SYSTEMS ANALYST III - Job Resources - Careers.org

?

Basic Job Info

?

Location

US-CA-Riverside

?

Experience Required

At least 4 year(s)

?

Employment Type

Full-Time

?

Relocation Covered

False

Job Description

Develop and implement information technology systems solutions to address business needs and other duties as required. There are four levels (I, II, III and Supervising) within the IT Business Systems Analyst class series, each distinguished by its assigned role, skill and experience level and the amount of training and supervision required for successful performance. Level III is a separately allocated class, allocated to those positions that require incumbents to: a) Assign, schedule, review and monitor the work of employees; participate in the employee selection process; train, coach and mentor employees; and/or recommend corrective action OR b) Have responsibility over the most complex application, program, system or project requiring master-level technical and analytical skills on a regular and on-going basis. Advancement to Level III requires selection to an available Level III position through open recruitment.This class is distinguished from Level II in that the latter is the journey level. This class is distinguished from the Supervisory level in that the latter is for positions who exercise the full scope of supervision. Advancement to supervisor requires selection to an available Supervisory level position through open recruitment.?EXAMPLES OF ESSENTIAL DUTIES:? Conduct systems analysis and design of business processes involving evaluation of current/proposed information & business process flow, available/emerging technology (hardware/software) and cost/benefits. ? Develop and document user requirements from end-user input for new and/or existing systems, business processes and applications. ? Select/recommend software &/or hardware based on systems analysis, evaluation of product &/or vendors. ? Create requests for proposal (RFPs) or requirement specifications and evaluate proposal submissions. ? Implement new/modified processes/systems by performing design, application development, installation & testing. ? Modify software; customize business applications/interfaces. ? Coordinate and communicate with end users, management, staff and vendors on project issues and status. ? Develop project work plans/schedules and monitor project resources including staff time, vendor work and finances. ? Prepare project documents, requirements, reports, feasibility studies, cost/benefit analysis and quality assurance/control standards. ? Maintain, support and administer software applications. ? Provide customer support, training and problem analysis for software applications.?RECRUITING GUIDELINES:Education: Completion of 30 semester or 45 quarter units from an accredited college in computer science, computer information systems, data processing, information management or a closely related field. IT job-related experience with Riverside County or its equivalent may substitute for education on a year for year basis. Experience: Minimum of four years of successful journey level IT job-related experience with one of those years including either lead person duties or technically advanced IT job-related work (one year experience as an IT Business Systems Analyst II will satisfy this experience requirement).Knowledge of: The principals, methods and techniques used in the course of work for this IT classification series and the principals and techniques applied to IT devices, applications and systems. Knowledge of the principals of organization and administration and the principals of documentation and recordkeeping, storage and retrieval. Ability to: Gather and analyze data, reason logically, draw valid conclusions and make appropriate recommendations; resolve technical problems and innovate more efficient use of IT resources; perform systems analysis work and problem solving; interpret and follow written and oral instructions; prepare concise reports and documents; establish and maintain effective working relationships with staff, customers, other employees and the public; communicate effectively with people at all organizational levels.IT-Related Skills: Required: Systems analysis theory, processes and techniques; project spec development; application design; writing and modifying technical and user documentation; data modeling techniques; prepare flow process diagrams and other design graphics; application of industry or County standards and conventions for systems analysis and quality assurance; installation, testing and migration process and techniques; quality and version control processes; use of packaged or off-the-shelf and 3rd party application software including office automation tools. Preferred: Internal consulting with clients at various levels of the organization; writing code and scripts; writing process descriptions; work with client server environments. ?Read this posting for special application instructions. Unless otherwise stated, use our resume builder to submit your resume, or select 'Apply' on this page. For specific questions regarding this position, contact [Click Here to Email Your Resum?] at 951-955-0780.All employment offers are contingent upon successful completion of a pre-employment physical exam, including a drug/alcohol test, and a criminal background investigation, including fingerprinting. (A felony or misdemeanor conviction may disqualify the applicant from County employment).Required Probationary Period - As an Approved Local Merit System, the County of Riverside requires all new regular or seasonal employees to serve an initial probationary period, the duration of which is indicated in the applicable Memorandum of Understanding, County Resolution, or Salary Ordinance. Temporary and Per Diem employees serve at the pleasure of the agency/department head.The County of Riverside is an Equal Opportunity Employer. It is the policy of the County of Riverside to provide equal employment opportunity for all qualified persons, regardless of race, religion, sex, national origin, age, sexual orientation, or disability.Women, ethnic and racial minorities and persons with disabilities are encouraged to apply. Applicants will be considered without regard to race, color, religion, sex, national origin, age, disability, sexual orientation, or any other non-job-related factor.DISABILITY ACCOMMODATIONS - Pursuant to the Americans with Disabilities Act of 1990, the ADA Amendments Act, and the Fair Employment & Housing Act, persons with disabilities who believe they need reasonable accommodation, or help in order to apply for a position, may contact the Disability Access Office at (951) 955-5663.Hearing impaired applicants with telephone teletype equipment may leave messages by calling (951) 955-8688. The County will attempt to meet reasonable accommodation requests whenever possible.if (!NREUMQ.f) { NREUMQ.f=function() {NREUMQ.push(['load',new Date().getTime()]);var e=document.createElement('script');e.type='text/javascript';e.async=true;e.src='https://d1ros97qkrwjf5.cloudfront.net/42/eum/rum.js';document.body.appendChild(e);if(NREUMQ.a)NREUMQ.a();};NREUMQ.a=window.onload;window.onload=NREUMQ.f;};NREUMQ.push(['nrf2','beacon-3.newrelic.com','89019a8e50',490821,'NlAGYxEFC0RWBhUIDQ8aN1IREglSQ0oiBw8yUBZBDwER',0,75,new Date().getTime()])

Department: ?Mental Health Department

Salary: ?$29.34 Hourly

Careers.org gives you access to over a million jobs and career opportunities across the US including in Riverside. Find your perfect job and apply directly through a simply online application process

Source: http://jobs.careers.org/job/J3H3HZ718957P5RZYHW/IT-BUSINESS-SYSTEMS-ANALYST-III

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শুক্রবার, ২৩ নভেম্বর, ২০১২

Amazon listing points to unannounced Xbox 360 with Kinect Nike+ bundle (update)

Amazon listing points to unannounced Xbox 360 with Kinect Nike bundle update

Earlier this year, Microsoft announced its Xbox 360 holiday bundles, but 'tis the season of excess! Someone at Amazon appears to have jumped the gun, as a product posting reveals an unannounced Xbox 360 with Kinect Nike+ bundle, which begins shipping on December 4th. Priced at $300, this package includes a 4GB Xbox 360, Kinect sensor, Nike+ Kinect Training game and one month of Xbox Live Gold. Though the Amazon product page is listed as "by Microsoft," we still reached out to the folks from Redmond for confirmation and were completely stonewalled. Of course, if you're looking for an excuse to delay your new post-holiday fitness regimen, you could always take the gamble of waiting for this bundle to become official. Call us bonkers, but we're pretty sure that it's a safe bet.

Update: Microsoft's Larry Hryb (aka Major Nelson) has confirmed Amazon's listing of this bundle via Twitter.

Filed under: , ,

Comments

Via: The Next Web

Source: Amazon, @majornelson (Twitter)

Source: http://www.engadget.com/2012/11/21/amazon-xbox-360-kinect-nike-bundle/

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Weather, airport strikes loom as 43 million hit the road

As more than 43 million Americans gear up this morning for the busiest travel day of the year, inclement weather and airport strikes may put a damper on Thanksgiving travels for some.

Those in the Pacific Northwest will have to brace for a soggy ride, as up to 10 inches of rain fell in parts of Oregon, up to 9 inches in Washington, and 6.5 inches in Northern California. In Oregon, this was in some parts one of the top rainiest storms ever. A third storm system is moving through the West today producing more rain, but it will not be as heavy as Monday's rainfall.

Approximately 39 million of today's travelers are hitting the road by car, and motorists along the East Coast can look forward to a smooth ride, as most of the weather looks calm from New York to Atlanta, with mild with temperatures in the 50s in the Northeast and near 70 in Georgia.

Traffic, unsurprisingly, will not be quite as breezy, with family-filled cars expected to clog roads from coast to coast.

Dense fog that rolled into the Chicago last night, combined with a light wind, clearing skies and a moist air mass is now causing traffic delays across the area.

The top five cities bracing for the worst traffic today are: New York, Washington D.C, Chicago, San Francisco, and the most tangled roads will be in Los Angeles, with holiday road trips predicted to take 33 percent longer than usual.

And that's not the only headache in Los Angeles. Airport union workers are preparing to strike this morning at LAX. The workers, who are angry over terminated union contracts and eliminated health insurance, admit they could not have picked a worse day or a busier airport.

"It's a national day about being with your family and taking care of your family, and these workers are not able to do that," Andrew Gross Gaitan of the Seiu United Service Workers West said.

Job actions are not just in California ? angry workers are picketing coast-to-coast: from Chicago's O'Hare airport... to New York's JFK to Fort Lauderdale, Florida.

For those hitting the highway today, AAA recommends leaving as early as possible, and at the latest 2 .p.m., because by 5 p.m. the roads will be jam packed. Rush hour is expected to peak two hours earlier than normal.

"With today expected to be the busiest day, and many people also working, we're expecting this evening there will be a lot of congestion," AAA spokeswoman Heather Hunter said.

There is, however a silver lining for motorists, as gas prices are down 5 cents in the last two weeks, with the national average for a gallon of regular fuel topping off at $3.41.

ABC News' Max Golembo contributed to this report Also Read

Source: http://gma.yahoo.com/43m-hit-road-thanksgiving-112408592--abc-news-topstories.html

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Video: Average Mitt hits California for vacation

US roads, airports unready for extreme weather

The nation's lifelines ? its roads, airports, railways and transit systems ? are getting hammered by extreme weather beyond what their builders imagined, leaving states and cities searching for ways to brace for more catastrophes like Superstorm Sandy.

Source: http://www.msnbc.msn.com/id/3036697/vp/49923337#49923337

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Regret cheating on my wife, she wants divorce


General Relationship Discussion Although anyone can post anywhere on Talk About Marriage, this section is for people interested in general relationship and marriage advice.


Old Today, 02:23 AM ? #1 (permalink)

Registered User

?

Join Date: Nov 2012

Posts: 9


Previously, I have posted several topics about me cheating on my wife.

My wife actually employed a private investigator to follow me and discovered my affair with my 6months mistress.

Initially, my wife still wants to give me chance, but I chose to move out with mistress for 2weeks. Wife discovered from private investigator with photo and video evidence.

Now wife wants divorce, she is very firm with it.. Her heart has hardened.. That's when I totally wake up... I want my wife back... I stayed home and we are still sleeping on the same bed and still in talking terms.

Wife wishes me all the best with my mistress, but now... I actually badly want my wife back and totally no intention to stick with my mistress.

I actually beg my wife to give me a second chance.. But she said no.. She has given up hope on me.

The divorce letter is going to be out in 2days time, she expects me to sign without drama, she is not going to claim alimony and only expect me to pay our daughter her monthly living expense which I am okay with it...

Now the thing is... I really want my wife back... I did some soul searching.. Deep in me, I love my wife a lot a lot... I am prepared to give up my mistress (which is maybe too late now)...

I am in a desperate situation and I can't eat sleep well for the past 4days... Non stop thinking about my wife..

Is there any idea to get my wife back?? She is not seeing anyone now..

Or shall I give up?? And start a new life with mistress??

**I know I deserve all these sh!t.. I am the one causing all this and karma has already got back to me..***
I really want to change my ways and be a good dad and husband.. I swear!!
Posted via Mobile Device

djvelvet is online now ? Reply With Quote
Old Today, 06:06 AM ? #10 (permalink)

Member

?

Join Date: Apr 2012

Location: The Most DANGEROUS City in America!

Posts: 1,180


MOVE ON.

Of course she still weeps; she's crying for the life she THOUGHT she was going to have with you, the future she THOUGHT you were going to have together, the family she THOUGHT you were building with your little girl. It's all gone now!

And for what? For a different piece of azz! Some woman telling you how smart and funny you are. Meanwhile, the woman who has stuck with you for 5+ years is treated like trash; the child YOU CREATED TOGETHER has just had her life turned upside-down...and for what? A different piece of azz and some woman telling you how smart and funny you are!

Move on. Learn the lesson. Become the man your daughter deserves as a father - faithful, honest, reliable, upright, strong, respectful of others and worthy of HER respect. YOU WILL BE TEACHING YOUR DAUGHTER how a "man" acts. START doing it right!

SlowlyGettingWiser is offline ? Reply With Quote
Old Today, 06:18 AM ? #12 (permalink)

Member

?

Join Date: Sep 2012

Posts: 40


Quote:

Initially, my wife still wants to give me chance, but I chose to move out with mistress for 2weeks.

It seems that she was willing to give you a chance before, but you didn't take it and now that you realize how firm that she is you want it back.

I've heard that even thought some women forgive their men, there's always something lingering, some hurt and resentment, as well as inability to trust anymore, that would end up destroying the relationship anyways. In other words, the issue will always be there, it will never be forgotten.
Maybe for some women they would still take the chance, if they really love their men, but it's big suffering for them. It might or might not work in the end.

lilith23 is online now ? Reply With Quote

Find a Therapist:





Source: http://talkaboutmarriage.com/general-relationship-discussion/61241-regret-cheating-my-wife-she-wants-divorce.html

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Seeking Solid E-mail Marketing Tips? Check The ... - Businesses

Trying to find your way to business success on the Internet can really only be achieved if you find a good way to talk with customers. An excellent way to achieve this is through email marketing. This article is filled with helpful tips about sending out good emails.

Make confirmation on the email opt-in portion of your website. Make it simple for people to change their minds about joining your list. This may appear counter-productive, but this can ensure your business will avoid any misuse reports.

Keep in mind that you are developing a reputation as you utilize email promoting. Avoid cutting corners, targeting the wrong audience, or using any other strategies that will lower the success of your e-mail marketing campaign. It?s your reputation at stake, and you must remember that at all times.

TIP! Use a call to action in your emails. You should explain to the recipient of the emails what it is that needs to be done.

Your email promoting campaign must prove to be attention getting. Getting it to that point might require a bit of trial and error. You should always experiment to find the things that work best for you. Even if your plan is working, continue searching for new strategies online and from other sources.

Have a field in your opt-in registration where subscribers can leave at a minimum their first name, if not first and last. By having the recipients name, you can customize a message that is more personal in its tone. This will help your emails stand out from those that seem anonymous and cold.

Ask your customers for feedback. Sending out lots of emails is pointless if your customers don?t respond to them, after all. Ask them what they like about your emails and what they would change. Gain your customers? loyalty by paying attention to their comments.

TIP! When people sign up for your newsletter, you probably want them to double-confirm their email address. Many people will write their email address wrong the first time it is typed, such as by entering @htomail.

Email messages offer a fast medium in which to deliver personalized messages to your clientele. Keep your email messages short and sweet as well as appropriate to your industry. It is unlikely that most people will be interested in a lengthy treatise about light fixtures or cardboard boxes. Use links to your website so that your customers will be able to obtain the pertinent details.

A sound marketing strategy is key to business success. Email promoting is a key component of modern marketing. These tips will help you reach your business goals by developing a great email promoting program.

TIP! Before emailing someone, get permission. Nobody wants to have emails that are cluttering their email inbox that they did not expect.

Other articles you might like;

Source: http://elektrotehnickifakultet.com/seeking-solid-e-mail-marketing-tips-check-the-article-below.html

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How To Avoid Inheritance Taxes On Home? | Bankrate.com

taxes

Don TaylorDear Dr. Don,
I recently inherited my mother's house when she died this year. I'd lived in it my entire life, though I was still responsible for paying inheritance taxes.

I want the house to go to my nephew when I die. What is the best way to do that to help him financially? Can I sell it to him for a small amount, or can I list him as co-owner?

Thank you,
-- Peg Pecuniary

Dear Peg,

I'm sorry for your loss. The fact that you lived in the house all your life doesn't automatically make it yours when your mother passed. Typically your mother's estate would be responsible for paying any estate taxes, but I'll trust that you know what you paid in taxes when you inherited the house.

If you sell your house to your nephew below its fair market value or change the deed to reflect co-ownership, you will have given him a gift. You'll be responsible for any gift taxes. That gift tax exposure can be managed using the federal lifetime gift tax exemptions.

The best action to take depends on your goals. Are you looking to live in the house until you die? Do you want to minimize the gift or estate taxes you pay or the taxes your nephew pays when he sells the home? It's likely the best approach for both you and your nephew is to have your nephew inherit the home when you die.

I'd suggest working with an attorney who specializes in estate planning. There's a lot of uncertainty over how estate and gift taxation may change for 2013. Current law is scheduled to sunset Dec. 31, 2012. If the government doesn't take action, then estate and gift tax exemptions go back to the 2001 limits. The attorney can consider your goals and work to find the estate planning solution that best meets those goals.

Get more news, money-saving tips and expert advice by signing up for a free Bankrate newsletter.

To ask a question of Dr. Don, go to the "Ask the Experts" page and select one of these topics: "Financing a home," "Saving & Investing" or "Money." Read more Dr. Don columns for additional personal finance advice.

Bankrate's content, including the guidance of its advice-and-expert columns and this website, is intended only to assist you with financial decisions. The content is broad in scope and does not consider your personal financial situation. Bankrate recommends that you seek the advice of advisers who are fully aware of your individual circumstances before making any final decisions or implementing any financial strategy. Please remember that your use of this website is governed by Bankrate's Terms of Use.

Source: http://www.bankrate.com/finance/taxes/avoid-inheritance-taxes-on-home.aspx

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Wantster, Canada's Answer To Fancy, Picks Up $4M From Radio ...

Wantster, a site founded earlier this year in Canada that lets users collect images of things they want from around the web and pin them on a central page ? a kind of Canadian?Fancy?? has announced a round of funding: $4 million from Evanov Communications, a Canadian radio broadcasting company.

The Pinterestification of the web ? that is, the influence of visually-led Pinterest on how others are organizing their content online ? plays a strong role in Wanster?s aesthetic. In that, it?s a perfect complement to Evanov?s business, since radio is the opposite of being visually-led. In a news release announcing the funding, Wantster says that, in fact, highlights how it has used radio to promote and raise awareness of its service. ?Founders Ky Joseph and Chris Edelman credit their site?s extremely high conversion rate of new member sign-ups to radio and the relationship it has with its listeners,? it says.

On the other hand, for a company whose main assets are in a traditional media business, putting funds into the next generation of how people communicate with each other is a smart move.

Rather than being a direct copy of sites like Pinterest and Fancy, Wantster focuses on creating wish lists of products to present to people to buy things for you, and for you to organize what you would like to buy for others. It links up with your social graph ? contacts and calendars for important dates ? to organize the wish lists intelligently.

Wantster says that since launching seven months ago, users have posted 500,000 products on its pages. It has not put out user numbers but claims that in seven months it?s picked up more users than Pinterest did in its first 10. That?s not a very strong claim, though: for starters, the market has become more receptive to sites like Wantster?s because of Pinterest (see: Pinterestification). And also: it?s well known that Pinterest was a late bloomer, with only 10,000 users nine months after launch.

In any case, Wantster is pushing ahead with its expansion, and the framework it has developed for posting items that you want to buy has a lot of legs in the wider area of social commerce, which is still in its early days.

The company has not said specifically what it plans to do with the funding, but one area might be further development in mobile. Mobile, being touch-friendly, has been a key part of Pinterest?s growth story. It was just last week that Wantster launched an iPhone app, so developing for further platforms might be one plan in the cards.

Source: http://techcrunch.com/2012/11/20/wantster-canadas-answer-to-fancy-picks-up-4m-from-radio-station-owners-evanov-communications/

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