Tablets 2012: Even with competition, iPad hangs onto crown

12 hrs.

Wilson Rothman , NBC News

Non-iPads from Amazon, Google, Microsoft and others are flooding the market, bringing more diverse experiences, often at better prices than the iPad and its little sibling, the iPad Mini.

Doesn?t matter. Odds are, you?ll still ask Santa for an Apple tablet. And new research suggests Apple iPads large and small will dominate this rapidly growing business, at least through 2013.

OK OK, you're thinking, "Thanks for the newsflash, fanboy." But seriously, in a universe where shoppers operate on cold logic and ever-tightening budgets, the iPad should fall under the wheels of Android any minute now, the same thing that happened with smartphones. So how does Apple maintain its grip?

It's not design or ease of use. Although they surely contribute to customer loyalty, they're not enormous differentiators any more. (Don?t believe me? Ask Apple?s patent lawyers.)

So what?s the answer? Tablets aren?t smartphones and they?re not PCs. While the Android camp waited for a bounce?from the successful phone business, and Microsoft and the computer vendors groped for a bridge between PCs and tablets, Apple made this middle ground the iPad's kingdom.

Heated competition
In the fall of 2011, when Amazon and Barnes & Noble axed their tablet prices down to under $200, Apple held its $499 starting point.

Logic suggested that the iPad would lose its lead, or at least, its majority. The non-Apple upstarts did see spikes in shipments over the 2011 holiday quarter, according to NPD DisplaySearch, a top global research firm. But by mid-2012, Apple was once again shipping over two thirds of the world?s tablets.

This fall, the non-iPads redoubled their attack. Asus and Samsung teamed up with Google to create Nexus-branded 7-inch and 10-inch tablets (respectively). Amazon multiplied its Kindle Fire by three, and dropped the entry-level 7-inch tablet's price down to $159. Barnes & Noble launched a video service and put out a 9-inch tablet at the unheard-of price of $269.

Meanwhile, Microsoft, the sleeping giant, finally addressed the bite iPad is taking out of PC sales by launching its own tablet. Or is it a PC? Whatever it is ? and believe me, the debate still rages ? the $499 Surface RT with its clever keyboard add-on and its full version of Microsoft Office was built to challenge the notion that an iPad can satisfy most computerly needs.

Apple's response to the increased competition made sense ... sort of. It jacked up the specs on its flagship 9.7-inch tablet, and addressed the growing interest in 7-inch tablets by popping out the iPad Mini, a 7.9-inch model. But Apple priced the Mini at $329 ? well above devices from Amazon, Barnes & Noble and Google. And the screen on the Mini doesn't measure up, resolution-wise, to those same cheaper competitors.

Again, doesn?t matter.

Apple ? or at least, the 9.7-inch and 7.9-inch displays unique to Apple ? will account for two thirds of tablets shipped through 2013, according to a forecast from NPD DisplaySearch, which uses research from over 140 display component manufacturers around the globe.

A recent study from Nielsen tells a similar story, at least for kids writing letters to Santa. Nearly half of surveyed U.S. kids between the ages of 6 and 12 want an iPad, and 36 percent want an iPad Mini. Even respondents age 13 and up said the iPad was No. 1. (While a ?Tablet computer other than iPad? also rated relatively highly, the only specific non-iPad to reach double-digit demand in either survey was the Kindle Fire.)

What tablets aren?t
Unlike smartphones, there is no inherent reason to buy a tablet. (Don?t kid yourself.) People must rationalize their $499 iPad purchase, and here's how they do it: "We just need something to use in the family room and kitchen," or "We just need something to take on trips," or "We just need an extra computer for the kids."

Most if not all tablet households already have a PC, so people don't need to use an iPad to set up their routers, archive their photos or whatever else a full-blown PC might be especially good for. What an iPad does is fulfill the needs of a secondary computer, without the hassle.

While tablets can replace PCs, they aren't PCs, and thank God for that.

Even in the business world, this PC replacement is gaining momentum. This past week, Barclays Bank made news by buying 8,500 iPads for use in branches, what is being called the biggest purchase of the tablets by a financial services firm.

"On the business side ??and on the consumer side ? it's about the apps,? says Paul Semenza, senior vice president of?analyst services for NPD?DisplaySearch, whose firm has identified that tablets are eating into PC sales. Enterprise-focused apps by the likes of Salesforce, Cisco and Oracle mean that an iPad can provide a convenient way to do highly specialized work quickly on a touchscreen, "rather than having to crack open the notebook."

In confirming the iPad as ?winner and still champ,? Consumer Reports? Jeffrey Fox also cites apps: "With dozens of Android-based models nipping at its heels, the iPad managed to not only hold its own, but up the ante for performance. When you add to that the breadth and quality of its apps, the iPad is still the tablet to beat."

Apple?s commanding lead in tablet-friendly apps ? over 275,000 built specifically for the iPad?s larger screens, versus the underwhelming handful?of tablet-specific apps?available in the?Google Play store ? helps keep it on top. A key reason for the App Store?s initial success is that Apple has its customers trained to spend money, something Google has never really been able to do. When developers release iPad apps, they expect to get paid by the download; to spend time and money bringing the same app to another platform, they must first calculate the risks and rewards.

This can be a vicious circle: If nobody's paying for Android tablet?apps, new ones won't be quick to show up, and then nobody will buy the tablets ... because of a lack of apps. Google has revamped its Google Play store, combining apps with movies and music, in?the hope that at least some customers would?start paying for some content.

Engage!
But there's more to it than just numbers: There?s increasing evidence that iOS users are far more engaged than Android users. NetMarketShare data reported in Fortune last June say that the share of mobile Internet usage for iOS had reached 62 percent, while the far greater population of Android devices hadn?t quite reached 20 percent.

A fresh study by IBM takes it further: Nearly 10 percent of all online shopping over Black Friday was done on iPads, beating "any other tablet or smartphone," says the tech firm. iPhones made up 8.7 percent, while Android was down at 5.5 percent. The so-called ?iPad Factor? is even more pronounced when compared to other tablets: It represented 88.3 percent of tablet online shopping, followed by the Barnes & Noble Nook at 3.1 percent, Amazon Kindle at 2.4 percent and the Samsung Galaxy at 1.8 percent, says IBM's press release.

And that's why makers of Android tablets should be afraid, because when it comes to tablets, the desire for engagement must precede the tablet purchase.

Amazon and Barnes & Noble have had more luck than other non-Apple tablets in grabbing market share, at least in short bursts, because their tablets come with a built-in sales argument: Buy this to enjoy books and videos to your heart's content.

Amazon has the added advantage of customers who spend so frequently that they keep their credit cards on file, and enough revenues that it can sell tablets at cost, hoping to see profits through media sales.

But while the $70-per-year Amazon Prime video service is nice, its library is not as nice as the omnipresent Netflix's, and the service itself has a large base of customers who signed up for shipping perks, not streaming TV shows.

Most importantly, Amazon makes most of its digital products available on competing iPads, too. The customer's dilemma becomes: "Do I go cheap and get an Amazon-focused experience? Or do I spend more for a broader platform that includes Amazon's services and a lot more?" Apple may push its own services pretty hard, but the flowering of the App Store means that the iPad has become a crossroads of Internet experiences.

All of these factors mean that the iPad,?this expensive-ish not-quite-a-PC that was laughed at when it launched in 2010,?will hold onto its crown for the foreseeable future, as alternatives continue to scramble for relevance. In the smartphone world, someone shopping for an iPhone may well settle for a cheaper Android phone. Yet when it comes to tablets, someone who decides not to buy an iPad may simply choose nothing at all.

Wilson Rothman is the Technology & Science?editor at NBC News Digital. Catch up with him on Twitter at @wjrothman, and join our conversation on Facebook.

Source: http://www.nbcnews.com/technology/gadgetbox/tablets-2012-competition-abounds-ipad-hangs-its-crown-1C7275559

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A/C's ultrasonic waves shoo away mosquitoes

17 hrs.

John Roach , NBC News

Even in the cold darkness of winter, a hot muggy mosquito infested day sounds miserable. Thankfully, there?s now an air conditioner that doubles as a mosquito repellent. The repellent comes in the form of ultrasonic waves, which make a sound that drives away the pesky insects.

The high-tech gizmo from LG Electronics sounds like a must-get for the wealthy Florida retiree on your holiday shopping list, but it?s intended as a potential game-changer for parts of Africa where malaria, a mosquito-transmitted disease, is a major public health threat.

In tests, the unit deterred 64 percent of malaria-transmitting mosquitoes within 24 hours and 82 percent overall.

The company even took Africa?s notoriously unreliable power supplies into consideration as it designed the Anti-Mosquito air conditioner. It is outfitted with technology meant to withstand the electric current fluctuations associated with repeated blackouts and extreme operating conditions.

Yes, air conditioners are a relative luxury, but with research on anti-malaria vaccines stumbling and low-cost mosquito nets becoming less effective, an air conditioning unit that shoos away a good portion of the deadly mosquitoes today is that much cooler.

??via Gizmodo?

John Roach is a contributing writer for NBC News Digital. To learn more about him, check out his website. For more of our Future of Technology series, watch the featured video below.

Source: http://www.nbcnews.com/technology/futureoftech/cs-ultrasonic-waves-shoo-away-mosquitoes-1C7208009

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How much money will energy efficient windows save your home ...

One of the most effective ways to save on your home utility bills and increase energy efficiency is to have the proper windows installed in all the rooms of your house. While this is no small project and can often carry a large bill, experts in window replacement San Diego say the up front cost is lessened with every year that passes as your new windows will save a substantial amount of cash.

But how much can they save exactly? Well, the answer depends mostly on where you live and the tax codes/government subsidies available in your state or region. According to Energy Star, the average homeowner will save between $126-$465 per year if they replace single pane windows with any Energy Star certified replacement.

Savings do vary, but no matter where you live, there are savings to be had from energy efficient window upgrades. Also, it is important to remember that these are yearly savings, so they?ll add up over time, meaning if you plan on staying put for a few years, now is the time to pop out them old rusty window frames and get some shiny, money-saving new ones up.

Finding energy efficient windows that meet or exceed Energy Star standards is no longer difficult. All the top brands offer qualifying windows. Up until the end of 2010, energy efficient window purchases are eligible for up to $1,500 in federal tax credits as well. A homeowner in North Carolina, for example, could stand to save or recoup upwards of $2,000 within a year of installing energy efficient replacement windows. And the savings continue to add up from there.

On the other hand, the up front cost can sometimes leave homeowners wondering if they will ever recover on their investments. Experts on energy efficient San Diego home improvement options, have argued it is sometimes more worthwhile to look at other energy efficiency enhancers in your house such as proper insulation. Some lower cost house have empty walls and this can cost dearly when dealing with heating and cooling bills.

Before changing your windows, it?s often best to review the entire home. Sometimes, a good layer of insulation in the attic will be just for energy efficiency and cost 10 times less than changing the windows.

The cost in removing the old window can also vary to the extent of the damage due to dry rot, so the cost will be based on the labor needed to repair the damage. Another thing that can increase the cost is custom sizes, as it will be as much as 50 to 100 percent more than the original cost of the replacement windows.

Source: http://www.modernfaqs.com/home-improvement/how-much-money-will-energy-efficient-windows-save-your-home-1112-628/

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Why Health Care Is Reshaping Itself - Hospitals & Health Networks

By Joe Flower	November 27, 2012
There's a new math on the balance sheet: Revenue and cost are transforming beyond recognition.

Costs and revenue: This is the oxygen of any business, any organization. What are your revenue streams? How much does it cost you to produce them? Life is not just about breathing, but, if you don't get that in-out equation right, there is nothing else life can be about.

Right now this enormous sector is turning itself inside out. It has turned the "transmogrification" setting to "warp." Why? It's all about the in-out. It's all about increasingly desperate attempts to get that right ? and the clear fact that we cannot know if we are getting it right.

Let's do some school on the two sides of this equation. Let's just go over the new weirdness, and the implications for you and your organization. Revenue first.

Hunting for True Revenue

In traditional health care (the way we did business until about five minutes ago) the revenue side was complicated in detail, but simple in concept: You do various procedures and tests and services, and you bill for them. You bill each item according to a code. You bill different payers; each has its own schedule of payments that you negotiate (or just get handed) every year. There are complications, such as people on Medicare with supplemental insurance, dual eligibles on Medicare and Medicaid, and self-pay patients who may or may not pay.

That's the basic job: aggregating enough services that reimburse more than their real cost so that you can cover the costs of services that don't reimburse well. This is cost-shifted, fee-for-service management. Cut back on those low-reimbursement services; pump up the high-reimbursement ones. Corral the docs you need to provide the services, provide the infrastructure and allocate costs across the system.

The incentives all point in the same direction. The revenue streams are all additive. The more you do of the moneymaking items on the list, the more money you make.

Hybrid revenue streams in the Next Health Care. Fast forward to five minutes in the future, and the picture becomes not only complicated, but complex, in some ways irremediably so. Now you're not just thinking about the revenue structure of a hospital; more often you are thinking about a system, with not just multiple revenue streams but multiple types of revenue streams. You may already have had clinics, labs, ambulance services, imaging services, primary care physician groups ? in fact, a whole array of different businesses. What's different now is how you get paid for things.

You may still mostly be working fee-for-service, but maybe now you have an insurance arm, and maybe some percentage of your patients are capitated through it: You have an incentive to provide excellent care, but any unnecessary emergency department visits or surgeries, any preventable heart attacks or diabetic shock episodes are now simple costs, while before they were revenue opportunities as well.

You may have developed a new set of revenue streams in per-patient, per-month prospective payments for "medical home" services but, the more you do that and the better you are at it, the more you keep people out of your ED and your surgical suites. That's what those payments are for ? to lower the overall costs by taking better care of the patient up front. And the costs you are lowering are your revenues.

Similarly, your primary care arm may have an at-risk contract like the Alternative Quality Contract from Blue Cross Blue Shield of Massachusetts, which literally pays primary care providers to keep patients from needing to use EDs or needing surgery or other high-end services, while holding them to quality standards that assure they are getting excellent care. It's a revenue stream, but it's at the cost of other revenue streams. Or it may not be your revenue stream. It may be an independent primary care physician group in town that has the contract, paid extra to deprive you of fee-for-service patients.

Or you may have dedicated clinics servicing specific groups on a per-patient, per-month basis (like, say, a spine and pain clinic for a company's warehouse workers) in which working efficiently and well cuts into what otherwise may have been fee-for-service operations and imaging services.

Unknown factors. These scenarios lie against a background in which it is likely that actual fee-for-service reimbursement rates from Medicare and private payers will be held tightly in check. The future landscape has a number of new opportunities for revenue streams, but most of them make money by cutting into your (or someone else's) more conventional business. But we cannot know by how much, or how the interaction between different revenue streams will play out over time.

In planning for the new environment, this tells us three things:

• These systemic risks are not quantifiable, and so cannot be hedged. They are risks because we are entering new territory. We simply do not know how these different parts of the market will interact. Revenue estimates for most parts of the business have to be treated as "high-variance" projections, which were much harder to pin down in the past.

• If some types of risk contracts make money by cutting into other types of business, you want to own that contract. If some organization is going to make money by costing you money, you want to be that organization. It may be cutting into your ED, surgery and imaging business, but at least you get the revenue stream for doing that. If you don't, someone else will.

• For any business that includes a hospital, bigger is better. At greater size, you can absorb more high-variance risk from a greater variety of revenue streams, and from different contracts serving different populations. You can spread the revenue base and try more alternatives. You have the space and breadth to try, fail forward quickly and try again.

If the revenue side is so hard to pin down, you need to create some space to try different options. The cost side can give you some of that space.

Getting Our Arms around Cost

Compared with revenue, the cost side of things seems relatively straightforward. So why can't we get our arms around it?

When we are talking about the costs of health care, we are talking about two different types of costs. One is the cost of doing things, such as: How much does it cost to do a complex back fusion operation? Think of these as internal costs. The other is the cost of producing an effect, such as: How much does it cost to reduce back pain? Think of these as system costs.

If you are at risk for a population (as in, perhaps you have a spine and pain center with a per-patient, per-month risk contract), then both kinds of costs are true costs to you. If you can satisfy the patient and end his or her back pain through medical management instead of surgery, you have dropped a bunch of money to your bottom line.

On the other hand, if you are in a fee-for-service environment, the back operation is not just a cost, it's also an income opportunity, and only the internal costs are actual costs to you.

More unknowns. In any environment, then, reducing your internal costs improves your bottom line. The problem here is that we typically do not actually know what our internal costs are, or what we could do to reduce them.

Some things obviously reduce internal costs ? better coordination, reduced duplication, more efficiency in moving the patient through the system (not adding the cost of an extra inpatient day just because someone neglected to sign off on the discharge form, for instance), or fewer mistakes and infections.

But beyond these efforts, to truly reduce costs we need to drive our analysis to the individual patient and case level, differentiating between the general system costs imputed to the case, or the average costs that such cases are thought to generate, or the sunk costs of the facility and equipment, and the actual incremental costs that this case generated: How much did it cost us to replace Mr. Herndon's hip? Much of the costs attributed to particular types of operations are averages, or imputed costs representing the whole organization's overhead. These obscure the costs that are particular to Mr. Herndon's case.

Fine-grained cost analysis. Why do we need such fine-grained cost analysis? Because if the team who handled Mr. Herndon's workup, surgery, post-surgery and rehab did something different that actually cost less and worked better ? a different kind of wound dressing, say, or a more aggressive schedule of getting him up and walking afterward ? more general cost analysis would not let us pick up that difference, track it and replicate it.

Further, we need to track the costs by activity (how much did the post-surgical care actually cost, say) and across the entire care cycle.

Similarly, we need to drive the cost analysis to the team level: If a given hip-replacement team is able to find ways of doing things that are better and cheaper, we need cost analysis that can pick up that difference so we can find out what teams are doing differently, try the improvement with other teams, measure the improvement and propagate it.

Two things make this currently impossible in most of health care: Our cost aggregation software is mostly designed for billing purposes, not for discovering actual costs. It doesn't ask the questions to which we need answers. And typically in health care, we do not work in persistent, dedicated clinical teams. We rotate people through various assignments. When there are no persistent teams, it is not possible to notice which variations of practice actually cost less and get better results. Having no teams obliterates the possibility of learning.

Still, though tracking real costs to the patient, case and team levels is difficult, costs are ultimately more discoverable than future revenue streams. With the right strategies, one can drive down costs much more dependably than one can predict revenue.

Cost and Revenue as Change Drivers

The struggle to get the cost-revenue respiration right is the prime driver of the enormous structural changes that we are seeing in health care. Recently, the head of health care for a major Wall Street bank told me that up to just a few years ago, mergers and acquisitions amounted to 5 percent of his practice. Today it is 67 percent.

Big systems, including for-profit systems, are expanding rapidly, acquiring hospitals and other health care services by the bunch. They see these acquisitions not as "revenue plays" largely, but as "cost plays." The big systems believe they can create value and enhance their survival by mitigating the "high-variance" risks of the new environment through size and diversity, while wringing cost out of the services and hospitals they acquire through tighter coordination and more aggressive management.

These same factors make it increasingly difficult for small and rural hospitals to survive as independents. They need the scale, greater coordination, access to clinical excellence, ability to support experiments in driving cost and quality, and ability to rationalize high-variant risk across a larger system that only a partnership of some kind with larger organizations can provide.

The new era of costs and revenues likely spells the end of any notion of the hospital as a cottage industry. It is on the balance sheet and the cash flow sheet that the idea of "coordination across the full cycle of care" stops being a buzzword and becomes a structural reality.

Joe Flower is a health care futurist and CEO of The Change Project Inc., and its health care education arm, Imagine What If. He is also a regular contributor to H&HN Daily and a member of Speakers Express.

The opinions expressed by authors do not necessarily reflect the policy of Health Forum Inc. or the American Hospital Association.

in general. All comments will be reviewed by a moderator before being posted.

Please note: Your browser cookies must be enabled to leave comments and remember your login information. If you are having trouble posting a comment please enable your browser cookies or email us your comment at hhndaily@healthforum.com.

Source: http://www.hhnmag.com/hhnmag/HHNDaily/HHNDailyDisplay.dhtml?id=7180005042

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Why I Am Attending Traffic & Conversion Summit 2013. (And Can ...

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If I use it in my business I will share it with YOU! Enter your email address below and you will receive my latest web business research and case studies, including powerful business building strategies that will not be posted to this public blog

Source: http://www.webbusinessresearch.com/why-i-am-attending-traffic-conversion-summit-2013-and-can-you-afford-to-miss-this/

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GLHFCasting ? Why Paying For Car Insurance is Worth Every Penny

Homeowners Insurance Quotes With more cars and accidents happening all the time, it is vital to purchase an effective car insurance plan. Auto insurance includes many benefits. Auto insurance will protect your against financial loss, cover damage to or theft of your car, pay for your legal responsibility if you are liable in an accident. Auto insurance coverage can fluctuate from company to company, which can lead to aggravating experience. Why not let us do the work for you and provide you with all your options? Our site is your source to find an assortment of car Tenant Property protection, as well as quotes for home insurance, life insurance, health insurance, and business insurance. Remove the hassle out of buying insurance and get yourself protected now.

Source: http://www.glhfcasting.com/why-paying-for-car-insurance-is-worth-every-penny-28/

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DocScanner S now available on Android

DocScanner, an app that has over 1.5 million downloads on the iOS platform, has just launched onto Android. The basic idea behind these types of apps is simple -- scan pretty much any type of document, business card or receipt and you now have a digital copy of it. Nowadays we don't want to deal with paper more than we have to, and if there's a simple way to manage it electronically we'll take it.

DocScanner S is now available for free in the Google Play Store at the link above. There's also a paid version for $3 if you are so inclined.

Source: DocScanner

Source: http://feedproxy.google.com/~r/androidcentral/~3/AA6nsrEJ73w/story01.htm

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Bernanke: Federal Reserve's Tools Can't Offset Fiscal Tightening ...

With the fiscal cliff (automatic tax hikes and spending cuts) arriving on January 1, 2013, Federal Reserve Chairman Ben Bernanke, in a speech given at the Economic Club of New York on November 20, 2012 (1:12 in the video), wanted to remind everyone that monetary policy can't offset fiscal tightening. He said, "I don't think the Fed has the tools to offset that. And that's why it is important for Congress to address these fiscal issues soon and in a bipartisan way."Source: Bloomberg.com (full speech video here)

Here are quotes from Ben Bernanke's speech transcript:

"Upcoming Fiscal Challenges
What are these looming challenges? First, the Congress and the Administration will need to protect the economy from the full brunt of the severe fiscal tightening at the beginning of next year that is built into current law--the so-called fiscal cliff. The realization of all of the automatic tax increases and spending cuts that make up the fiscal cliff, absent offsetting changes, would pose a substantial threat to the recovery--indeed, by the reckoning of the Congressional Budget Office (CBO) and that of many outside observers, a fiscal shock of that size would send the economy toppling back into recession. Second, early in the new year it will be necessary to approve an increase in the federal debt limit to avoid any possibility of a catastrophic default on the nation's Treasury securities and other obligations. As you will recall, the threat of default in the summer of 2011 fueled economic uncertainty and badly damaged confidence, even though an agreement ultimately was reached. A failure to reach a timely agreement this time around could impose even heavier economic and financial costs.

As fiscal policymakers face these critical decisions, they should keep two objectives in mind. First, as I think is widely appreciated by now, the federal budget is on an unsustainable path. The budget deficit, which peaked at about 10 percent of GDP in 2009 and now stands at about 7 percent of GDP, is expected to narrow further in the coming years as the economy continues to recover. However, the CBO projects that, under a plausible set of policy assumptions, the budget deficit would still be greater than 4 percent of GDP in 2018, assuming the economy has returned to its potential by then. Moreover, under the CBO projection, the deficit and the ratio of federal debt to GDP would subsequently return to an upward trend.9 Of course, we should all understand that long-term projections of ever-increasing deficits will never actually come to pass, because the willingness of lenders to continue to fund the government can only be sustained by responsible fiscal plans and actions. A credible framework to set federal fiscal policy on a stable path--for example, one on which the ratio of federal debt to GDP eventually stabilizes or declines--is thus urgently needed to ensure longer-term economic growth and stability.

Even as fiscal policymakers address the urgent issue of longer-run fiscal sustainability, they should not ignore a second key objective: to avoid unnecessarily adding to the headwinds that are already holding back the economic recovery. Fortunately, the two objectives are fully compatible and mutually reinforcing. Preventing a sudden and severe contraction in fiscal policy early next year will support the transition of the economy back to full employment; a stronger economy will in turn reduce the deficit and contribute to achieving long-term fiscal sustainability. At the same time, a credible plan to put the federal budget on a path that will be sustainable in the long run could help keep longer-term interest rates low and boost household and business confidence, thereby supporting economic growth today.

Coming together to find fiscal solutions will not be easy, but the stakes are high. Uncertainty about how the fiscal cliff, the raising of the debt limit, and the longer-term budget situation will be addressed appears already to be affecting private spending and investment decisions and may be contributing to an increased sense of caution in financial markets, with adverse effects on the economy. Continuing to push off difficult policy choices will only prolong and intensify these uncertainties. Moreover, while the details of whatever agreement is reached to resolve the fiscal cliff are important, the economic confidence of both market participants and the general public likely will also be influenced by the extent to which our political system proves able to deliver a reasonable solution with a minimum of uncertainty and delay. Finding long-term solutions that can win sufficient political support to be enacted may take some time, but meaningful progress toward this end can be achieved now if policymakers are willing to think creatively and work together constructively.

Monetary Policy
Let me now turn briefly to monetary policy.

Monetary policy can do little to reverse the effects that the financial crisis may have had on the economy's productive potential. However, it has been able to provide an important offset to the headwinds that have slowed the cyclical recovery. As you know, the Federal Reserve took strong easing measures during the financial crisis and recession, cutting its target for the federal funds rate--the traditional tool of monetary policy--to nearly zero by the end of 2008. Since that time, we have provided additional accommodation through two nontraditional policy tools aimed at putting downward pressure on longer-term interest rates: asset purchases that reduce the supply of longer-term securities outstanding in the market, and communication about the future path of monetary policy.

Most recently, after the September FOMC meeting, we announced that the Federal Reserve would purchase additional agency mortgage-backed securities (MBS) and continue with the program to extend the maturity of our Treasury holdings.10 These additional asset purchases should put downward pressure on longer-term interest rates and make broader financial conditions more accommodative.11 Moreover, our purchases of MBS, by bringing down mortgage rates, provide support directly to housing and thereby help mitigate some of the headwinds facing that sector. In announcing this decision, we also indicated that we would continue purchasing MBS, undertake additional purchases of longer-term securities, and employ our other policy tools until we judge that the outlook for the labor market has improved substantially in a context of price stability.

Although it is still too early to assess the full effects of our most recent policy actions, yields on corporate bonds and agency MBS have fallen significantly, on balance, since the FOMC's announcement. More generally, research suggests that our previous asset purchases have eased overall financial conditions and provided meaningful support to the economic recovery in recent years.12

In addition to announcing new purchases of MBS, at our September meeting we extended our guidance for how long we expect that exceptionally low levels for the federal funds rate will likely be warranted at least through the middle of 2015. By pushing the expected period of low rates further into the future, we are not saying that we expect the economy to remain weak until mid-2015; rather, we expect--as we indicated in our September statement--that a highly accommodative stance of monetary policy will remain appropriate for a considerable time after the economic recovery strengthens.13 In other words, we will want to be sure that the recovery is established before we begin to normalize policy. We hope that such assurances will reduce uncertainty and increase confidence among households and businesses, thereby providing additional support for economic growth and job creation.

Conclusion
In sum, the U.S. economy continues to be hampered by the lingering effects of the financial crisis on its productive potential and by a number of headwinds that have hindered the normal cyclical adjustment of the economy. The Federal Reserve is doing its part by providing accommodative monetary policy to promote a stronger economic recovery in a context of price stability. As I have said before, however, while monetary policy can help support the economic recovery, it is by no means a panacea for our economic ills. Currently, uncertainties about the situation in Europe and especially about the prospects for federal fiscal policy seem to be weighing on the spending decisions of households and businesses as well as on financial conditions. Such uncertainties will only be increased by discord and delay. In contrast, cooperation and creativity to deliver fiscal clarity--in particular, a plan for resolving the nation's longer-term budgetary issues without harming the recovery--could help make the new year a very good one for the American economy."

Chairman Bernanke also warned about the fiscal cliff at his FOMC press conference on September 13, 2012 (full transcript).

"MICHELLE FLEURY. You said that you can?t cure all ills, that you haven?t got strong enough tools to deal with the unemployment problem. I was curious to know what policy actions you?d like to see outside the Fed to try and address this. And, secondly, also on the ?fiscal cliff,? the expected spending cuts and tax increases, how concerned are you about that? And what ammunition do you have to deal with that, if that becomes a problem?

CHAIRMAN BERNANKE. Well there?s, again, a range of areas where actions could be taken, and I can?t really prescribe all those possible responses. I would focus, I think, on the fiscal side. We currently have the so-called fiscal cliff. If no action is taken, there?s going to be?a very substantial increase in taxes and cut in spending on January 1 of the coming year. The CBO has suggested that if that?s allowed to take place, that it would cause unemployment to begin to rise, and it might throw the economy back into recession. So I think one very basic?thing that could be done to help address the recovery?the weakness of the recovery and the need for more employment?would be to address the fiscal cliff while simultaneously addressing longer-term fiscal sustainability issues which remain, of course, very serious. So that?s one area?where there is a lot of potential benefit. If the fiscal cliff isn?t addressed, as I?ve said, I don?t think our tools are strong enough to offset the effects of a major fiscal shock, so we?d have to think about what to do in that contingency. So I think it?s really important for the fiscal policymakers to, you know, work together and try to find a solution for that."

But, just in case the Fed gets desperate, the FOMC Minutes of the October 23-24 meeting mentioned that QE4 "would likely be appropriate" when the "maturity extension program" (aka Operation Twist) ends at the end of the year.

"Participants also discussed the efficacy and potential costs of the Committee's asset purchases. A number of participants offered the assessment that the Committee's policy actions, to date, had been effective in making financial conditions more accommodative and that lower interest rates were providing support to aggregate spending, most notably in areas such as housing, autos, and other consumer durables. In particular, some pointed out that the favorable developments in mortgage markets over the intermeeting period suggested that the MBS purchases were likely to reinforce the nascent recovery in the housing market. Several added that, based on the experience with earlier asset purchases, the broader effects on economic activity from more-accommodative financial conditions were likely to accrue over time. Looking ahead, a number of participants indicated that additional asset purchases would likely be appropriate next year after the conclusion of the maturity extension program in order to achieve a substantial improvement in the labor market. In that regard, a couple of participants noted the likely usefulness of clarifying the range of indicators that would be evaluated in assessing the outlook for the labor market. Participants generally agreed that in determining the appropriate size, pace, and composition of further purchases, they would need to carefully assess the efficacy of asset purchases in fostering stronger economic activity and consider the potential risks and costs of such purchases. Several participants questioned the effectiveness of the current purchases or whether a continuation of them would be warranted if the recent moderate pace of economic recovery were sustained."

At the moment, some investors (probably those in the highest tax bracket, see Obama's tax plan) are realizing profits before the Bush tax cuts expire. We'll see what kind of deal the Republicans and Democrats make on taxes and spending (if any). And the next debt ceiling debacle should be fun as well.

Source: http://www.distressedvolatility.com/2012/11/bernanke-federal-reserve-tools-fiscal-cliff-debt-ceiling-qe4.html

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GSK to raise stake in India unit in $939 million deal

MUMBAI (Reuters) - GlaxoSmithKline Plc plans to buy up to an additional 31.8 percent stake in its Indian consumer products arm GlaxoSmithKline Consumer Healthcare Ltd for 52.2 billion rupees ($939 million), sending shares of the Indian unit to a record high.

GlaxoSmithKline plans to raise its stake in GSK Consumer Healthcare to 75 percent from 43.2 percent, paying 3,900 rupees per share through an open offer, it said in a statement. The price represents a premium of 28 percent to the stock's Friday close.

The offer period is expected to begin in January 2013.

"This transaction represents a further step in GSK's strategy to invest in the world's fastest growing markets and, we believe, offers a liquidity opportunity at an attractive premium for existing shareholders," said David Redfern, chief strategy officer at GlaxoSmithKline.

Shares in GSK Consumer Healthcare were locked at 3,659.20 rupees, up 20 percent, their maximum daily trading limit, while the Mumbai market was up 0.23 percent, by 10.47 p.m. ET on Sunday.

Securities regulations in India require a minimum public shareholding of 25 percent for a company to maintain a public listing.

($1 = 55.5850 Indian rupees)

(Reporting by Kaustubh Kulkarni and Aradhana Aravindan; Editing by Muralikumar Anantharaman)

Source: http://news.yahoo.com/gsk-raise-stake-india-unit-939-million-deal-045552725--finance.html

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Active lifestyle boosts brain structure and slows Alzheimer?s disease

Public release date: 26-Nov-2012
[ | E-mail | Share ]

Contact: Linda Brooks
lbrooks@rsna.org
630-590-7762
Radiological Society of North America

CHICAGO An active lifestyle helps preserve gray matter in the brains of older adults and could reduce the burden of dementia and Alzheimer's disease (AD), according to a study presented today at the annual meeting of the Radiological Society of North America (RSNA).

Dementia exacts a staggering toll on society. More than 35 million people worldwide are living with the disease, according to the World Health Organization, and the prevalence is expected to double by 2030. AD is the most common cause of dementia and currently has no cure.

Cyrus Raji, M.D., Ph.D., radiology resident at the University of California in Los Angeles, and colleagues recently examined how an active lifestyle can influence brain structure in 876 adults, average age 78 years, drawn from the multisite Cardiovascular Health Study. The patients' condition ranged from normal cognition to Alzheimer's dementia.

"We had 20 years of clinical data on this group, including body mass index and lifestyle habits," Dr. Raji said. "We drew our patients from four sites across the country, and we were able to assess energy output in the form of kilocalories per week."

The lifestyle factors examined included recreational sports, gardening and yard work, bicycling, dancing and riding an exercise cycle.

The researchers used magnetic resonance imaging (MRI) and a technique called voxel-based morphometry to model the relationships between energy output and gray matter volume.

"Voxel-based morphometry is an advanced method that allows a computer to analyze an MR image and build a mathematical model that helps us to understand the relationship between active lifestyle and gray matter volume," Dr. Raji said. "Gray matter volume is a key marker of brain health. Larger gray matter volume means a healthier brain. Shrinking volume is seen in Alzheimer's disease."

After controlling for age, head size, cognitive impairment, gender, body mass index, education, study site location and white matter disease, the researchers found a strong association between energy output and gray matter volumes in areas of the brain crucial for cognitive function. Greater caloric expenditure was related to larger gray matter volumes in the frontal, temporal and parietal lobes, including the hippocampus, posterior cingulate and basal ganglia. There was a strong association between high energy output and greater gray matter volume in patients with mild cognitive impairment and AD.

"Gray matter includes neurons that function in cognition and higher order cognitive processes," Dr. Raji said. "The areas of the brain that benefited from an active lifestyle are the ones that consume the most energy and are very sensitive to damage."

A key aspect of the study was its focus on having variety in lifestyle choices, Dr. Raji noted.

"What struck me most about the study results is that it is not one but a combination of lifestyle choices and activities that benefit the brain," he said.

Dr. Raji said the positive influence of an active lifestyle on the brain was likely due to improved vascular health.

"Virtually all of the physical activities examined in this study are some variation of aerobic physical activity, which we know from other work can improve cerebral blood flow and strengthen neuronal connections," he said.

"Additional work needs to be done," Dr. Raji added. "However, our initial results show that brain aging can be alleviated through an active lifestyle."

###

Coauthors are H. Michael Gach, Ph.D., Owen Carmichael, Ph.D., James T. Becker, Ph.D., Oscar Lopez, M.D., Paul Thompson, Ph.D., William Longstreth, M.D., Lewis Kuller, M.D., and Kirk Ericson, Ph.D.

Note: Copies of RSNA 2012 news releases and electronic images will be available online at RSNA.org/press12 beginning Monday, Nov. 26.

RSNA is an association of more than 50,000 radiologists, radiation oncologists, medical physicists and related scientists, promoting excellence in patient care and health care delivery through education, research and technologic innovation. The Society is based in Oak Brook, Ill.

Editor's note: The data in these releases may differ from those in the published abstract and those actually presented at the meeting, as researchers continue to update their data right up until the meeting. To ensure you are using the most up-to-date information, please call the RSNA Newsroom at 1-312-949-3233.

For patient-friendly information on MRI, visit RadiologyInfo.org.

---

[ | E-mail | Share ]

?

AAAS and EurekAlert! are not responsible for the accuracy of news releases posted to EurekAlert! by contributing institutions or for the use of any information through the EurekAlert! system.

Public release date: 26-Nov-2012
[ | E-mail | Share ]

Contact: Linda Brooks
lbrooks@rsna.org
630-590-7762
Radiological Society of North America

CHICAGO An active lifestyle helps preserve gray matter in the brains of older adults and could reduce the burden of dementia and Alzheimer's disease (AD), according to a study presented today at the annual meeting of the Radiological Society of North America (RSNA).

Dementia exacts a staggering toll on society. More than 35 million people worldwide are living with the disease, according to the World Health Organization, and the prevalence is expected to double by 2030. AD is the most common cause of dementia and currently has no cure.

Cyrus Raji, M.D., Ph.D., radiology resident at the University of California in Los Angeles, and colleagues recently examined how an active lifestyle can influence brain structure in 876 adults, average age 78 years, drawn from the multisite Cardiovascular Health Study. The patients' condition ranged from normal cognition to Alzheimer's dementia.

"We had 20 years of clinical data on this group, including body mass index and lifestyle habits," Dr. Raji said. "We drew our patients from four sites across the country, and we were able to assess energy output in the form of kilocalories per week."

The lifestyle factors examined included recreational sports, gardening and yard work, bicycling, dancing and riding an exercise cycle.

The researchers used magnetic resonance imaging (MRI) and a technique called voxel-based morphometry to model the relationships between energy output and gray matter volume.

"Voxel-based morphometry is an advanced method that allows a computer to analyze an MR image and build a mathematical model that helps us to understand the relationship between active lifestyle and gray matter volume," Dr. Raji said. "Gray matter volume is a key marker of brain health. Larger gray matter volume means a healthier brain. Shrinking volume is seen in Alzheimer's disease."

After controlling for age, head size, cognitive impairment, gender, body mass index, education, study site location and white matter disease, the researchers found a strong association between energy output and gray matter volumes in areas of the brain crucial for cognitive function. Greater caloric expenditure was related to larger gray matter volumes in the frontal, temporal and parietal lobes, including the hippocampus, posterior cingulate and basal ganglia. There was a strong association between high energy output and greater gray matter volume in patients with mild cognitive impairment and AD.

"Gray matter includes neurons that function in cognition and higher order cognitive processes," Dr. Raji said. "The areas of the brain that benefited from an active lifestyle are the ones that consume the most energy and are very sensitive to damage."

A key aspect of the study was its focus on having variety in lifestyle choices, Dr. Raji noted.

"What struck me most about the study results is that it is not one but a combination of lifestyle choices and activities that benefit the brain," he said.

Dr. Raji said the positive influence of an active lifestyle on the brain was likely due to improved vascular health.

"Virtually all of the physical activities examined in this study are some variation of aerobic physical activity, which we know from other work can improve cerebral blood flow and strengthen neuronal connections," he said.

"Additional work needs to be done," Dr. Raji added. "However, our initial results show that brain aging can be alleviated through an active lifestyle."

###

Coauthors are H. Michael Gach, Ph.D., Owen Carmichael, Ph.D., James T. Becker, Ph.D., Oscar Lopez, M.D., Paul Thompson, Ph.D., William Longstreth, M.D., Lewis Kuller, M.D., and Kirk Ericson, Ph.D.

Note: Copies of RSNA 2012 news releases and electronic images will be available online at RSNA.org/press12 beginning Monday, Nov. 26.

RSNA is an association of more than 50,000 radiologists, radiation oncologists, medical physicists and related scientists, promoting excellence in patient care and health care delivery through education, research and technologic innovation. The Society is based in Oak Brook, Ill.

Editor's note: The data in these releases may differ from those in the published abstract and those actually presented at the meeting, as researchers continue to update their data right up until the meeting. To ensure you are using the most up-to-date information, please call the RSNA Newsroom at 1-312-949-3233.

For patient-friendly information on MRI, visit RadiologyInfo.org.

---

[ | E-mail | Share ]

?

AAAS and EurekAlert! are not responsible for the accuracy of news releases posted to EurekAlert! by contributing institutions or for the use of any information through the EurekAlert! system.

Source: http://www.eurekalert.org/pub_releases/2012-11/rson-alb111612.php

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Looking for Home Buying Agent in Seattle area: Commission - Zillow

You come off as intelligent, and I will assume that you have already thought this scenario....

You say, to work with me I want you to take a rebate.

The EXPERIENCED a?through?nd good agents hear. ?I want a discount.
The NEW and UNEXPERIENCED agents hear, low ball the experts and I will work with you.

The Experienced agents move onto what they are doing because they are busy and don't need you.
Then new agent crosses his fingers and cracks his wish bone from Thursdays turkey just hoping that you pick him, because he REALLY needs you.

You go with the experienced agent even though you thought you wanted a deal. ?The agent negotiates a fair deal for you, and even gets the seller to repair a few of the things that come up in the inspection. ?THE SELLER PAYS HIM his $11,550 (thats' right he ended up getting you the house for $385,000 not $400,000), he buys you a nice bottle of wine and a new set of knifes.

You go with the inexperienced agent. ?He tried his hardest to get what you want for a price, but he really doesn't want to lose this sale, so instead he spends more time selling you on why you should except the counter of $395,500 than selling the listing agent on why his home is over priced. ?He almost forgets the inspection, until at the last minute his broker asked "where is the inspection report?" so he scrambles to find an inspector, lucky for you he found one, at the bar he goes to for Thursday trivia, just his luck!!!! ?So inspector bud does his thing and charges you $150 for his service and time. ?GREAT the inspection showed nothing is wrong with the house!!!!! ?This is like a dream! ?The deal closes and he gets his $8,662.50 (way to go, you got him to do this deal for 1.75%! ?He goes on his way and sends you a Thank You note two weeks later. ?About the same time as that thank you note is arriving, the dream ends (for you at least), the duct tape job on that water pipe, sure it held through the close, but it just burst and now you are looking at having to replace your hardwood floor that you loved so much, it is almost solely why you bought the house. ?Sure your insurance covers it, but just then you remember that you are savvy and save money at every cost, so you went (which I actually agree 100% with) with the 1% deductible on your house... That $3000 or so you saved by going to 1.75% just cost you $1000, and that is just for the floor. ?Think about having to get the mildew out of the walls..... ?

That is why you use a professional. ?Professionals are paid what we are for a reason. ?This is a major purchase, with even bigger consequences if you aren't properly represented. ?Why would you consider working with someone that will be so overly eager to get your business? ?Don't you think its fishy that they are so eager to work for half pay? ?You get half the experience and service. ?Just expect that. ?AND don't think that you can say to yourself. ?Karl's wrong, some top Realtor will take me, I know it, they aren't that dumb, I am handing them free money. ?YOU ARE WRONG. ?Top and midlevel agents that are good at what they don't don't have time for working for half pay. ?And if you want a deal now, once the process starts, who is to say you won't want more and more?

Have a great day and good luck in your search!

Source: http://www.zillow.com/advice-thread/Looking-for-Home-Buying-Agent-in-Seattle-area-Commission-rebate-expected/469284/

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'Solicitor Saturday': Law Firm Releases Surreal Personal Injury ...

For those unfamiliar with the show, Sky Sports' 'Soccer Saturday' sees washed-up ex-footballers offer excitable commentary on unfolding events in the Premier League every week. Neither its format nor its content is obviously analogous with personal injury law.

Yet Liverpool-based GT Law obviously sees a link, having commissioned this spoof legal-themed version of the show, which it has dubbed 'Solicitor Saturday'. It stars ex-professional footballers Francis Jeffers and John Aldridge, alongside a Jose Mourinho impersonator and a fake Michael Owen (who at one point provides real-time commentary on an illegal immigrant "doing a runner"). Surreal...

Source: http://www.legalcheek.com/2012/11/solicitor-saturday-law-firm-releases-surreal-personal-injury-themed-sky-sports-spoof/?utm_source=rss&utm_medium=rss&utm_campaign=solicitor-saturday-law-firm-releases-surreal-personal-injury-themed-sky-sports-spoof

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Top 10 Prosperity Tips ? Andrew Grimes's blog ? edrisali19901 ...

Living a prosperous life is about much more than just having enough money. In order to be truly prosperous, you need to change your total mind-set from lack to abundance. You need to make a mental and emotional shift and start living your life on a more abundant level ? in all areas!

Below are my top 10 tips for doing that:

Prosperity Tip #1 ? Do What You Love

When you spend time doing things you really love, you automatically feel happier. When you feel happier, you emit more positive vibrations, and attract the things you want more quickly and easily!? Start spending more time doing the things you really love.? This can include hobbies as well as transitioning to a more fulfilling career.

Prosperity Tip #2 ? Affirm You Always Have More Than Enough

The more you focus on lack, the more lack you will experience in your life. Turn this around by constantly affirming, ?I always have more than enough money for everything I need.? The more strongly you can come to believe this, the more your physical surroundings will shift to match your expectations.

Prosperity Tip #3 ? Take Action

Action isn?t always necessary in order to attract abundance into your life, but it sure doesn?t hurt. Don?t sit around waiting for your circumstances to change ? get out there and change them! Taking even one small step toward what you want can often trigger a flood of opportunities and synchronicities that get everything moving in a more positive direction. At the very least, taking action can boost your confidence and make you feel more in control of your circumstances.

Prosperity Tip #4 ? Gratitude and Appreciation

An appreciative mind-set makes everything seem better. Not only do you feel more abundant, your very focus on the positive aspects of your life will naturally attract more things to be grateful for. Make it a daily habit to appreciate the wonderful things that happen to you ? even the small things. The more you do, the more you?ll find good stuff flowing into your life as if by magic.

Prosperity Tip #5 ? Love, Love, Love

Love is one of the most powerful, transformational forces. It can heal the most painful situations, transform lack into abundance, and inspire positive change in both the giver and receiver. Practice flowing feelings of deep love for everyone and everything in your life. Love your blessings, your friends and family, the difficult people you encounter each day, and even your illnesses and obstacles. When you love them, you heal and transform them into genuine blessings.

Prosperity Tip #6 ? Boost Your Self-Worth

Your beliefs have everything to do with the things you experience on a daily basis. If you don?t believe you deserve abundance, you will continually push it away! Start improving your self-worth and affirm constantly that you deserve to be happy, healthy and wealthy. When someone tries to give you a gift or compliment, accept it with gratitude! The more you do this, the more you will open yourself to the blessings the universe wants to send your way too.

Prosperity Tip #7 ? Make Room for More

If every nook and cranny of your life is crammed with clutter and disharmony, you?ve got no ROOM for prosperity to come in! One of the quickest ways to get abundance flowing more smoothly through your life is to clear a space for it. Get rid of physical clutter and release painful emotional burdens and unresolved issues. Clean up your physical, spiritual, emotional and financial affairs, and watch how easily they are transformed from stagnant to vibrant.

Prosperity Tip #8 ? Change Your Beliefs, Change Your Life

Besides poor self-worth, you may have other limiting beliefs that keep you from experiencing the prosperity you deserve. For example, do you believe you must work hard to receive a lot of money? Do you believe that rich people are rude and insensitive? Do you believe that having a lot of money would be a burden? Learn to examine and question your beliefs about prosperity ? and change the ones that limit you. This is an ongoing process that can change your life in powerful ways.

Prosperity Tip #9 ? Fire Up Your Abundance Radar

You?ve probably heard it said that whatever you focus on expands. Prosperity is no different! Get into the habit of seeking examples of abundance wherever you go. When you?re shopping, pause to notice the abundance overflowing from store shelves. Each one of those products began with a simple idea in someone?s mind and was created in physical form! Take a trip to your local farmer?s market and marvel at the abundance of produce available. Each one of them was started with a tiny seed planted in the ground and nurtured until it grew into a luscious fruit or vegetable. Take time each day to reflect on the abundance you see all around you, and you will attract more of it (in all forms) into your life.
Get the Free eBook ?54 Simple Weight Loss Tips? now : Click Here

Prosperity Tip #10 ? Positively Abundant

Positive thoughts and emotions will automatically attract more positive circumstances into your life, including prosperity !

Negative thinking is nothing more than a habit of looking at the less favorable aspects of every situation. But every negative situation has at least ONE positive benefit.

The more you can train your mind to look for the blessings and remain open to possibility, the more blessings and possibilities you will see! Start a new positive thinking habit today and watch how it transforms you into a magnet for everything good.

There are many more ways to attract greater prosperity into your life, but these tips offer a simple way to get started.

Abraham Lincoln once said, ?Most folks are as happy as they make up their minds to be.? The very same thing could be said about prosperity.

Please share this page with your friends. Use this button :

Make up your mind to be as prosperous as you want to be . . . and your perception of reality will have no choice but to comply with your wishes.

Source: http://andrewgrimesus.typepad.com/blog/2012/11/top-10-prosperity-tips.html

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Source: http://yrobusys.posterous.com/top-10-prosperity-tips-andrew-grimes39s-blog

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Source: http://edrisali19901.blogspot.com/2012/11/top-10-prosperity-tips-andrew-grimes.html

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Source: http://totogadoci.wordpress.com/2012/11/24/top-10-prosperity-tips-andrew-grimess-blog-edrisali19901/

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2 killed, 60 wounded in Afghan suicide attack

KABUL, Afghanistan (AP) ? A suicide attacker detonated a car laden with explosives Friday in eastern Afghanistan, killing two civilians and wounding about 60 others, officials said.

Taliban spokesman Zabiullah Mujahid claimed responsibility for the bombing, saying in a statement that the attack was in response to the recent execution of four Taliban detainees at the Afghan government's main detention center in Kabul.

The men were convicted and sentenced to death in Afghan courts for a variety of crimes, including murder, rape, kidnapping, robbery and cruelty against children. The Taliban condemned the hangings, saying the detainees were prisoners of war who were unjustly jailed.

Shahidullah Shahid, a spokesman for Wardak province, said the blast went off shortly before 7:30 a.m. on a street where international and Afghan security forces have a coordination office. He said at least two people were killed and 60 others were wounded in the explosion.

The Taliban said two suicide bombers were involved in the attack in Maidan Shahr, the capital of Wardak province. The insurgent group claimed the two attackers killed tens of Afghan and international troops, although the Taliban often exaggerate the number of casualties caused in their attacks.

Afghan and international forces have been working to root out insurgents in Wardak province to keep them from moving north into the Afghan capital. The international forces are scheduled to turn over security responsibility to local troops by the end of 2014.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/cae69a7523db45408eeb2b3a98c0c9c5/Article_2012-11-23-Afghanistan/id-5e62850cf36b45d2b446b85b4cbf6876

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Free Online Articles ? Free Articles Directory ? Website Design Web ...

A properly structured content attracts more visitors and hence improves the overall image of your website. Or perhaps he wants to generate a lot of traffic to his web design template website so he can capitalize on monetization techniques like Adsense to bring him revenue. Let us face it; image plays a vital role. Every day several thousand websites are made and later they go online. Web design and development services are not just limited to development; they also extend to its maintenance and continuous upgradation.

Websites are a tremendous boon for small business owners because they significantly reduce start-up costs by reducing the need for extra sales staff, traditional advertising expenses, and even rent for commercial retail space, if it is an online venture. The understanding of color wheel in web design is very important in order to keep the website presentable. Vancouver Web Design companies weave solutions around these concepts during the website design process. Pages is usually a powerful marketing and also have have to be sure that you simply a qualified Web Design provider to progress to you a good world wide web which may help you construct an online business. Getting help from reputable companies will help your website to improvise by using promotional content.

Be sure to take a search around prior to deciding at a Web Design company and assure that your web design company you do choose provides prime quality, custom web design as well as being capable of meeting the entire needs as well as to your independent business. With more than 108 million counterparts in cyberspace today, each representative should be able to bring something unique and functional to the table so that they would be noticed more than their competitor. With several businesses and people declaring to be experts at web design today, it could be rather hard to find a professional web design company that you can trust. You should find out if the services have been explained properly, if the website is organized, if it is user-friendly, and latest web design standards have been implemented. Try to do so without being trendy, because it will soon look outdated and neglected.

With more people relying on the internet to find information on local businesses, there is an important on having a professional web design on the different websites for tradies. This makes the websites feature rich, faster to load and easily accessible, irrespective of the platform one is using. Moreover, there are many web design companies that assure you of delivering high quality web design services but only few of them stand up to their words. Visit your competitors? websites and pay attention to the design, logos and color patterns used. In fact, it is preferable that you build your content around the keywords that your target market uses to search their solution online.

A professional web designer keeps himself updated about all the advancements taking place in the field of web designing to offer his customers website that are built using the latest technology. A Calgary web designer could add engaging visuals for your web site. Finding a good web expert will be easy as there are now lots of companies that offer such services to those who would like to take their try in the online business world. Primary colors are the colors which are unique individually and cannot be created by mixing any other colors. Customized sites are more expensive as compared to general ones.

Therefore, by using white space between columns, lines and paragraphs, one can identify the things that are considered to be most important. So we can expect that as time goes on, these trends to continue and our virtual community will become more mobile. You should not push away different groups of users when youre trying to sell them your products and services. Further to stand out, you have to create classy website design for your business. They are also one of the cheapest service providers in Albuquerque.

Whether you want to re-design the existing logo or design a new one for your website hire a Philadelphia web design firm having skilled professionals. SEO also known as search engine optimization is a tactic wherein informative content is added to a website that includes keyword phrases that relate to the type of products or services that your company offers. In tough online competition, make sure that your products meet the demand of the customers while maintaining the quality. To ensure a nice design, the designer should make sure there is a certain amount of ?negative space? or ?white space? on each web page. Website development is an extremely time consuming task.

Making your website accessible to all the browsers is very important. Designers are using softer colors and pages are taking on a pastel revolution of minimalism.
Web Design Company Toronto

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Source: http://www.28seo.com/website-design-web-design.html

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4 Thanksgiving Stocks for Your Table (and Portfolio) ? Investing Daily

According to the National Turkey Federation, U.S. turkey consumption has more than doubled since 1970; in 2011, the average American put away 16.1 pounds of the bird a year.

Obviously, holidays are a peak time, accounting for 31% of total consumption. But that?s down from 50% in 1970, which means more Americans are eating turkey outside the typical Christmas and Thanksgiving periods.

In 2009 (the last year for which stats are available), processors churned out $16 billion worth of turkey-related products. Last year, 248.5 million turkeys were produced in the U.S.

Here?s a look at four stocks with connections to the quintessential American Thanksgiving meal. Two control the nation?s leading turkey producers, while the others make stuffing and desserts, including pumpkin pie.

1. Seaboard Corporation (AMEX: SEB) owns 50% of Butterball, which processed 1.30 billion pounds of turkey last year. Butterball?s 675,000-square-foot plant in Mt. Olive, North Carolina, is also the world?s largest turkey processing facility.

Seaboard is actually an agricultural conglomerate whose main divisions focus on pork processing, ocean shipping and grain trading. It also operates a number of smaller businesses, including an alternative energy subsidiary that converts pork fat and vegetable oils into biodiesel fuel.

Seaboard has over 90 years of history and has never split its stock, so it isn?t cheap at $2,162 a share. Still, it is up 5.6% in the last six months. The shares also trade at a reasonable 10.9 times the company?s last 12 months of earnings.

2. In second spot is Hormel Foods (NYSE: HRL) which processed 1.29 billion pounds last year through its Jennie-O Turkey Store division. Its other businesses include Grocery Products (including Stagg chili and the SPAM brand), Refrigerated Foods (such as Hormel party trays and meats) and Specialty Foods (which makes private-label products).

Minnesota-based Hormel reported its latest results on Tuesday. In the quarter ended October 28, the company saw sales gains at three of these divisions, with the exception being Refrigerated Foods, which posted a 2.6% decline from a year ago. Turkey products sales were a highlight, with a 5.0% gain, though Grocery Products was the standout, with a 20.6% gain thanks to strong sales of SPAM products and Hormel chili.

As a result, Hormel?s overall sales rose 3%, to $2.17 billion. Per share earnings rose 14%, to $0.49 from $0.43. That fell just short of the consensus forecast of $0.50.

The company also offers a tasty dividend; it announced that it is raising its quarterly payout for the 47^th straight year, from $0.15 to $0.17. The new yearly rate of $0.68 yields 2.27%.

3. What?s turkey without stuffing? Two years ago, Investing Daily?s Jim Fink picked Campbell Soup (NYSE: CPB) as one of his favorite Thanksgiving dinner stocks (Fink also liked Seaboard, above). That?s partly because of his view that the company?s Pepperidge Farm stuffing is tops in the category. Kraft Foods Group?s (NasdaqGS: KRFT) Stove Top stuffing, he wrote, ?is second-rate and pales in comparison.?

As well, Campbell makes broths, stocks and gravies, along with its core soup products, for the U.S. market through its U.S. Simple Meals segment (which supplied 38% of its overall sales in the latest quarter).

Like Hormel, Campbell reported its latest results on Tuesday. In the quarter ended October 28, 2012, its sales rose 8% from a year ago, to $2.34 billion. That mostly reflected its recent purchase of California?s Bolthouse Farms, which produces carrots, salad dressings and juices.

The company earned $245 million, or $0.78 a share, down from $265 million, or $0.82. Without restructuring charges and costs related to the Bolthouse purchase, Campbell?s earnings gained 5%, to $279 million. Per-share profits rose 7%, to $0.88, because it had fewer shares outstanding thanks to its recent buybacks. That was ahead of the consensus estimate of $0.85.

The stock fell slightly in the wake of the earnings report, but it?s still up more than 10% in the past six months. Campbell also trades at a 15.3 times its last 12 months of earnings, roughly in line with the competition. As well, it pays a $0.29-a-share quarterly dividend, for an attractive 3.21% yield.

4. Top off your Thanksgiving feast with Sara Lee pumpkin pie. The iconic dessert brand is now controlled by Hillshire Brands Co. (NYSE: HSH) after Sara Lee spun off D.E. Master Blenders 1753 N.V. (Amsterdam: DE), which sells coffee and tea in Europe, Brazil and Thailand, in June. Sara Lee then took the Hillshire name for its North American business.

Hillshire gets 15% of its sales from desserts and frozen bakery products, though the bulk of its business (85%) is packaged meat. It controls some of the best-known banners in the industry, such as Jimmy Dean, Ballpark and Hillshire Farm.

The company has recently been the focus of takeover rumors, with Hormel named as a potential buyer, along with Tyson Foods (NYSE: TSN).

?Hillshire could be an acquisition target,? Alexia Howard, a Bernstein analyst, told Bloomberg last week. ?It?s high margin. It?s less volatile in terms of profit. The brands bring you more negotiating leverage with retailers.?

As well, there are few other similar acquisition targets in the space. Hillshire?s main competitor, Oscar Meyer, is already owned by Kraft Foods Group.

What do you think of this article? Please post your feedback in the ?comments? section below!

Source: http://www.investingdaily.com/15928/4-thanksgiving-stocks-for-your-table-and-portfolio

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