Saturday, March 31, 2012

Embattled S.African youth leader slams Zuma 'dictatorship'

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Scientists win $2 million to study new pathway in development and maintenance of lymphoma

Scientists win $2 million to study new pathway in development and maintenance of lymphoma [ Back to EurekAlert! ] Public release date: 30-Mar-2012
[ | E-mail | Share Share ]

Contact: Mika Ono
mikaono@scripps.edu
858-784-2052
Scripps Research Institute

The Scripps Research investigators hope project will reveal suitable drug targets

JUPITER, FL, March 30, 2012 The National Institutes of Health has awarded The Scripps Research Institute $2 million to study the role of a pathway in the development and maintenance of B-cell lymphoma, a type of cancer that begins in immune system and turns normal disease fighting cells into cancers. The disease affects immune cells known as lymphocytes, which are part of our white blood cells.

John Cleveland, PhD, chair of the Department of Cancer Biology on the Scripps Florida campus, will be the principal investigator for the new five-year study.

B-cell lymphomas tend to occur in older patients and in those people whose immune system has been compromised. It is one of the most common blood cancers in the United States and kills about 20,000 Americans each year.

The new project will focus on the role of Myc oncoproteinsthe products of Myc oncogeneswhich are activated in over half of all human tumor types. Myc oncoproteins accelerate the rate of cell growth, which increases the risk of acquiring additional mutations that allow a premalignant cell to develop into a full-blown tumor. In this project, the Cleveland lab will investigate the role of a pathway that controls the destruction of a class of messenger RNAs (mRNAs) that encode proteins that regulate the development and maintenance of tumors.

"This grant allows us to focus on a new pathway that is controlled by Myc that we think is suitable to target for the development of new anti-cancer drugs," said Cleveland, who has led numerous studies shedding light on this oncogene. "We are very hopeful that learning more about this process will open the door for the development of new treatments."

Specifically, the new project aims to define the mechanisms by which Myc controls the expression and function of Tristetraprolin or TTP, a mRNA-binding protein that normally controls the destruction of a subset of important mRNAs. Importantly, Research Associate Robert Rounbehler, PhD, and other colleagues in the Cleveland lab have shown that TTP functions as a tumor suppressor that impairs the development and maintenance of B lymphoma. Their findings indicating that agents that regulate TTP or affect its key mRNA targets hold great promise as anti-cancer agents.

###


[ Back to EurekAlert! ] [ | E-mail | Share 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.


Scientists win $2 million to study new pathway in development and maintenance of lymphoma [ Back to EurekAlert! ] Public release date: 30-Mar-2012
[ | E-mail | Share Share ]

Contact: Mika Ono
mikaono@scripps.edu
858-784-2052
Scripps Research Institute

The Scripps Research investigators hope project will reveal suitable drug targets

JUPITER, FL, March 30, 2012 The National Institutes of Health has awarded The Scripps Research Institute $2 million to study the role of a pathway in the development and maintenance of B-cell lymphoma, a type of cancer that begins in immune system and turns normal disease fighting cells into cancers. The disease affects immune cells known as lymphocytes, which are part of our white blood cells.

John Cleveland, PhD, chair of the Department of Cancer Biology on the Scripps Florida campus, will be the principal investigator for the new five-year study.

B-cell lymphomas tend to occur in older patients and in those people whose immune system has been compromised. It is one of the most common blood cancers in the United States and kills about 20,000 Americans each year.

The new project will focus on the role of Myc oncoproteinsthe products of Myc oncogeneswhich are activated in over half of all human tumor types. Myc oncoproteins accelerate the rate of cell growth, which increases the risk of acquiring additional mutations that allow a premalignant cell to develop into a full-blown tumor. In this project, the Cleveland lab will investigate the role of a pathway that controls the destruction of a class of messenger RNAs (mRNAs) that encode proteins that regulate the development and maintenance of tumors.

"This grant allows us to focus on a new pathway that is controlled by Myc that we think is suitable to target for the development of new anti-cancer drugs," said Cleveland, who has led numerous studies shedding light on this oncogene. "We are very hopeful that learning more about this process will open the door for the development of new treatments."

Specifically, the new project aims to define the mechanisms by which Myc controls the expression and function of Tristetraprolin or TTP, a mRNA-binding protein that normally controls the destruction of a subset of important mRNAs. Importantly, Research Associate Robert Rounbehler, PhD, and other colleagues in the Cleveland lab have shown that TTP functions as a tumor suppressor that impairs the development and maintenance of B lymphoma. Their findings indicating that agents that regulate TTP or affect its key mRNA targets hold great promise as anti-cancer agents.

###


[ Back to EurekAlert! ] [ | E-mail | Share 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.


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Video: RIMM Conference Call Update: Gillis

Colin Gillis, senior technology analyst, BGC Financial, discusses his perspective on the RIMM conference call and looks at the breakup value of the company.

Related Links:

Business & financial news headlines from msnbc.com

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MapMyFITNESS, Inc. Launches MapMyRUN, MapMyRIDE for ...

AUSTIN, Texas?(BUSINESS WIRE)?MapMyFITNESS, the premier provider of Web- and mobile-based training and mapping applications for fitness enthusiasts, has announced the launch of two new applications for Windows Phone.

?Our community has been anxiously awaiting the availability of our Windows Phone apps; we hope to continue supporting and improving the health and wellness of our users by expanding our mobile offerings.?

With the new Windows Phone applications, users can record their daily routes via GPS and store their workouts in an online database via an innovative geo-mapping application. Users also have access to a searchable database of millions of routes across the globe, fitness calculators, event listings, and a dynamic social network of over seven million fitness enthusiasts.

?We?re thrilled to launch our newest smartphone apps,? said Robin Thurston, Co-Founder of MapMyFITNESS. ?Our community has been anxiously awaiting the availability of our Windows Phone apps; we hope to continue supporting and improving the health and wellness of our users by expanding our mobile offerings.?

MapMyRUN and MapMyRIDE for Windows Phone are now available for free download in the Windows Phone market. For more information, visit http://www.mapmyrun.com or http://www.mapmyride.com

About MapMyFITNESS, Inc.

Headquartered in Austin, TX, MapMyFITNESS, Inc. was founded in 2007 and operates a suite of websites and mobile applications, including MapMyRUN, MapMyRIDE, MapMyWALK, MapMyHIKE, MapMyFITNESS, MapMyTRI, MapMyMOUNTAIN and MapMyDOGWALK. The MapMyFITNESS network of websites and mobile applications offer more than seven million fitness enthusiasts the ability to record and store their daily running, cycling, walking or hiking routes in an online database or map out tomorrow?s path. Users get access to a searchable database of millions of routes across the globe, online training tools and fitness calculators, and comprehensive global event listings, along with the ability to easily share their activity with friends. The company?s mobile smartphone apps use built-in GPS technology to enable users to record and chart their daily fitness activities and routes. For more information, please visit http://www.mapmyfitnessinc.com

Continued here:
MapMyFITNESS, Inc. Launches MapMyRUN, MapMyRIDE for Windows Phone

Rev :5

Related posts:

  1. MapMyFITNESS Launches New Social Fitness Apps for Facebook Timeline
  2. Subaru and MapMyFITNESS Launch MapMyDOGWALK Mobile App for iPhone
  3. AppStoreHQ Launches Coverage of Windows Phone Applications
  4. MapMyFITNESS Announces New CEO
  5. Trove Launches App on Windows Phone and Windows 7

Tags: business, education, events, feeds, history, industry, italy, jobs, multimedia, news, windows

Category: Social Media

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What other antivirus programs can save your computer system?

Every computer which is connected to the internet is vulnerable to a lot of viruses, fraud and infiltration. This has pushed computer and online users to engage themselves in the software protection industry and with the development of trusted antivirus distributors, you now have access to legal, professional-quality antivirus software and other protective software, without any cost.

But, apart from downloading and installing a free antivirus downloads, you should also be reminded of simple precautions and actions that can enhance your computer system?s security.

1 - Software should be up-to-date

These days, almost every computer being sold is already equipped with a moderate level of protection, but, virus capabilities are also adjusting and adapting to the changing technology.

Therefore, it is imperative to keep your system up-to-date or else it will be useless. You should seek instructions on how to update Windows or set your system to automatically update. The same goes for the antivirus software. It should also be always be updated along with a full weekly scan of the system.

2 - Having identity online

Passwords are now not only used in social networking sites but are also used for online banking and other financial transactions. Therefore, it is mandatory to have complex passwords. Remember that it is not advisable to use the same password for different log-in sites no matter how complex or difficult it is. Also, frequently changing your password is necessary to prevent hackers from being able to access your profiles and accounts.

3 - Switch off your computer when not in use

Switching your computer off is not just a way to save energy but it also prevents others from using your computer without permission. However, if switching off the system is not possible, then it is necessary to disconnect or disable any possible connection that may allow your computer to connect to the internet.

4 - Do not click on unknown email attachments.

Email is one major source of web crimes. Take care when checking your email. Do not open any unknown email attachments as they can contain viruses. You should also remember to never click on random links. Although, the anti virus software will scan the incoming and outgoing mails, you should also deter yourself from clicking unknown links and attachments in mails as you never know when new versions of viruses have been made.

5 - Only use trusted websites for downloading software

You should not trust the third party for downloading the software. You should look for the company?s website and download it from there.

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Movie Review: Brilliantly Scripted Footnote, Pits Son Against Father ...

Winner of the screenwriting award at Cannes in 2011 and Israel?s official submission to the 84th Academy Awards Best Foreign Film category, Footnote finally gets its local release on March 30, and if it had come out last calendar year, it would have been a contender for one of my favorite films of the year. Building its story around a seemingly obscure subject, the rivalry between Talmudic scholars, Footnote is a wily, emotionally astute, subtly profound, and often hilarious movie about fathers and sons, life?s meaning and individual legacy.

The movie opens as Uriel Shkolnik (Lior Ashkenazi) receives an award for his work from the academic community. Throughout the ceremony, however, writer/director Joseph Cedar keeps Uriel?s father Eliezer Shkolnik (Shlomo Bar-Aba) in the frame. Eliezer seems unaffected both by his son?s accomplishment and his son?s speech, which goes out of its way to bestow honor on the old man. As we go through the subsequent days after the ceremony, we soon discover the source of the tension we saw in the man?s face. Both father and son are experts in the same field, and while the young scholar has enjoyed popular success and acclaim, Eliezer devoted himself to a tertiary topic, only to have fruits of long, focused study snatched away when his pending academic discovery is ?scooped? by a rival scholar. That, in effect, renders Eliezer?s life work mute.

All this has left Eliezer an inverted, closeted, ornery, and suspicious man, his familial and professional relationships affected by a caustic sense of scorn. Everything is thrown in the air, however, when Eliezer receives a call notifying him that he has been chosen, after decades of submissions, to be the recipient ofIsrael?s top honor, the Israel Prize. But wait, there has been an administrative mistake. The committee intended to give the prize to Uriel, not Eliezer, and when the academics on the Israel Prize board call Uriel in to explain the situation, they end up pitting son against father.

Cedar?s direction manages to leverage a range of structural techniques, at times jumping and bouncing through information, bullet-pointed recaps about his characters in almost Guy Richie fashion; other times he allows scenes, such as the heated meeting between Uriel and the Israel Prize committee, to unfold with incredible patience, allowing the tension to build and bubble. What strings it all together is Cedar?s remarkable script, which turns library-bound study into the setting of high tragedy, while maintaining a spunky, almost slapstick sense of humor that is reminiscent of the satiric social-political self-deprecation of Nanni Moretti?s early films. At the heart of Footnote are questions of honor and the meaning of one?s life; at stake is the fear that the effort of one?s existence has been a waste. What holds it all together is a question about the intrinsic integrity of the truth and the nature of white lies.?Shlomo Bar-Aba is wonderful as the old man, turning in a muted, seething, tight-lipped performance that rivals Gary Oldman?s role in Tinker Tailor Soldier Spy for the sheer brilliance of its involving minimalism.

Source: http://frontrow.dmagazine.com/2012/03/movie-review-brilliantly-scripted-footnote-pits-son-against-father/

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Friday, March 30, 2012

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Considerations on Engaging The best quality Place Remodel ...

Lots of people are sick and additionally exhausted by all the unwanted created of your sarasota home? Would you like to improve the plan and additionally themes to be had?

Afterward its possible it?s good to look into taking your family home refurbished. A large number of howowners always work with the best quality place remodel builders to individuals and additionally benefit take advantage of the most suitable type.

There are a few builders, good and additionally untrue your, sprawled on the various many different webpages, for that reason more suitable be thoughtful the moment buying a.

A small number of howowners had been patients about builders so, who will not implement exactly what is developed on the written agreement. There is builders so, who receive without end for producing most of the mission or possibly uglier, a lot of ordinarily are not still eligible to try the work from the licensed contractor. Still after this valuable rule relating to selecting the best place remodel licensed contractor should confirm any selecting the best a and will be needing achievements naturally.

Arrange and additionally Organise

Ideally, arrange regarding span on your expected home improvement 123, when sole confident locations or possibly your entire family home would be refurbished or possibly not likely. Prior to when seeking out builders, watch privided you can implement all the remodel activity your body by making usage of a lot of contacts.

Still, if you happen to intending perform a carry out restoration on the town, delight you should never look into going through all the diy technique, and additionally you will be possess heritage or possibly if you happen to not likely eligible to try all the plan. Many people experience be sorry for doing more of these ever since they do not possess effectiveness just for doing the job suitably. This approach sole leads to having a great deal more glitches and additionally more expensive down the road the moment almost all people experience rented place remodel builders on the intend about cutting down their house for carry out commotion.

All the Factors of the most useful Builders

1. Decide the builders so, who focus of place remodel and not just buying all the builders who are a great deal more concentration on putting together.

some. Locate builders that is absolutely ready to get the price tag in trade from the superior quality service plan.

3. The best quality licensed contractor is normally the one which is the highest possible recognition just for superior quality within the country?s comrades. You?re able to demand the assistance of acquaintances so, who only just previously had their apartment refurbished and additionally conducted just by remarkable builders. The lenders which you?ll find widely recognized for a wonderful service plan command more significant fee when compared to general.

have a look at. Locate place remodel builders by means of laborers by means of completely unique proficiency for specialty family home remodel if you happen to entertaining the idea of for skill point gain up the enchancment much like the installation of top notch cosmetic and additionally sound experience solutions into your refurbished family home. It is recommended to possess a great deal more eligible electricians to try all the difficult activity.

5. Other sorts of speaking to vendors have most of the prospects pay for a few finances like prime assuming they experience polished off all the plan sooner than wanted. It is one additional outlay upon your a part, still, producing all the plan early constitutes a problem in a way that you do not have to have to wait just for a longer time of your respective to measure without any help family home.

Subsequently after entertaining the idea of all of these helpful pointers relating to procuring the top place remodel builders for use on your place restoration, quite often the software simple and easy at this time to take into account a. It is better to have the top service plan builders so that you isn?t going to be sorry for. Naturally, you can see the necessary endeavor and additionally finances seriously worth paid out.

Source: http://www.presidenciamercosur.org/75-considerations-on-engaging-the-best-quality-place-remodel-builders.html

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Gene Marks: 9 Rules For Doing Business With A Jew Like Me

Next week is Passover. You may not know this but for Jews like me it's really not a big deal. The family gets together. We eat. We run through the story of Moses and Pharaoh in about 10 minutes. We eat more. We complain about the high price of everything. We eat more. We talk about how special and amazing our kids are. We eat more. Then we go home and watch TV. Many Jews take this holiday seriously and I respect that. But most of the Jews I know are like me.

Did you know this? If you're going to do business with a Jew like me you might as well. Come to think of it, I bet there are probably a bunch of things you didn't know about doing business with a Jew. And yet you probably have a lot of Jewish customers and vendors. I apologize for not writing about this sooner. Consider this to be my Passover gift to you. Let me share just a few simple rules that might help you profit with my people in the coming year.

Rule Number One: To do business with a Jew, you must realize that being Jewish is a culture, not a religion. In fact, most Jews don't know that much about our religion. Sure, we know about Chanukah because we have to buy gifts for our already-over-indulged children. And we know about Passover and Rosh Hashanah because our wives force us to attend services and suffer through dinners with our extended families. But don't ask us anything else about our religion unless it was covered in a Woody Allen movie. We don't know the details. We are not Jews by choice. We were born into this. Sure, we're proud that Natalie Portman is one of us. But this is a fluke. For every one Natalie Portman there's a hundred Barbara Streisands. See what I mean? And who would actually choose to belong to a group of people that will never play a professional sport or fix a toilet on their own?

Rule Number Two: Don't feel the need to bring up that I'm Jewish. Believe me, I know I'm Jewish. I've got the nose to prove it. My dad was an accountant. I come from a long line of Greenbergs and Markowitz (according to my dad, my last name is Marks because the Cossacks "scared the witz out of us." Har har.) And look, I won't mention the cross hanging on your office wall or that you sign off your emails with a "have a blessed day." Barf. You don't have to commiserate with me or tell me that you have "many Jewish friends." To work with me, you don't have to mention our holidays, Joe Lieberman, Jerry Seinfeld or say things like "hey that Sandy Koufax was one hell of a pitcher, wasn't he?" Not necessary.

Rule Number Three: Forget Kevin Bacon. Amongst Jews, there are no more than three degrees of separation. I live in the Philadelphia, which is one of the biggest cities in the country. I'm not the most social person in the world but trust me when I tell you that whatever Jew you mention I probably have a friend who has a cousin who dated her. Or a guy from my synagogue who had an argument with her father. Jews know each other. And if we don't know each other, we know where to find each other. And being Jewish, we all have opinions about each other. And sometimes they're not so good either. So be careful not to mention other Jews in your business conversations - there's a good chance that same guy's nephew pulled a fast one on my cousin Sidney after the war and our families haven't spoken since.

Rule Number Four:
Sadly, we can be as close-minded as everyone else. Don't believe that we love all people we know. Jews may seem more religious with our numerous holidays and rules. And you would think that, after thousands of years of being ridiculed, expelled, persecuted and mass-murdered we'd be a little more conciliatory to other minorities who suffer the same kind of racism and victimization that we did. But we don't. We can be just as narrow minded and ignorant as the next guy! Want proof? Many of us still think Jackie Mason is funny. And some Jews even believe that Adam Sandler still has a good movie inside of him. So yes, we aren't so perfect. I know Jews who spend an entire Saturday morning in synagogue praying and pontificating about how the world needs to be a better place and then get in a fight that afternoon over a parking space at the local supermarket.

Rule Number Five: It is true that we are mostly liberal-leaning in our politics. To do business with a Jew, try not to talk politics. I guess that's a good rule to follow when doing business with anyone. But in this case, it'll just make you even more frustrated. You'll never understand why that last President who swore vengeance against and sacrificed American lives to defeat Israel's enemies in Iraq and the mountains of Bora Bora is still so hated by most of the Jewish populace. Put it down to centuries of being chased and massacred by very-very right wing, nationalist governments whose leaders came to power by blaming minority groups for all of their country's problems and move on. Oh and for God's sake, don't mention Israel. Or The War. Just keep a copy of the New York Times and Arlen Spector's latest book on your desk and you'll be fine.

Rule Number Six: In business, you'll find that Jews are primarily service providers. The stereotype is mostly true. A great many of us are doctors, lawyers and accountants. That's because when in times past we were given 24 hours to vamoose from a country we wanted to make sure we left little behind. Investments in hard capital like machinery and equipment could be garnished by an unfriendly government. So our fathers instructed us to learn a trade and that's what we did. And not a trade like plumbing or electricity because...c'mon...we're Jews. We're terrible at that stuff. And yes, we would like to be professional basketball players and truck drivers but we're too short and our wives would make us feel guilty for being on the road for so long. That's why we do services. Don't fault us. And don't play softball with us either...you'll never win a close call.

Rule Number Seven: The best topic of conversation with a Jew is food, sports or children. But be forewarned: our food is better than yours and our children are smarter, OK? You don't know the first thing about making a truly great brisket. You probably don't even know the difference between regular lox and nova lox do you? (the nova is unsalted and better). And I'm sure your kids are popular and good students and whatever. But our kids manage to score the better drugs, so who's really smarter? Your best option is to keep the conversation to sports. You can talk about the fun times you had playing for the varsity football team and we can talk about the fun times we had as equipment managers for the varsity football team. See? We really do have something in common!

Rule Number Eight: Just because we're Jewish doesn't mean we spend wisely. Don't be fooled and think you can't trick me into buying your product and service. You can. I have neighbors who drive over-priced Lexuses when a Honda Accord would be just as fine. I know Jews who not only keep their milk and meat separate, but have actually built separate kitchens just to be sure (wow, won't God be impressed by that!). I know Jews who still hold season tickets for the Mets. See? For some reason my people have a reputation for being good with numbers and knowledgeable about business. But that's just not true. Don't be intimidated. When it comes to something we really want, we'll be willing to pay, no matter how ridiculous it may sound.

Rule Number Nine: In the end we only care about two things: marrying our daughters to a nice Jewish boy and where to find a good Chinese restaurant on Christmas Day. If you can help a Jew do either of those then you've made a friend, and a business partner, for life.

Another version of this post appears on The Philly Post.

?

Follow Gene Marks on Twitter: www.twitter.com/genemarks

Source: http://www.huffingtonpost.com/gene-marks/rules-for-doing-business-with-a-jew_b_1384075.html

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Video: Rep. Neugebauer on MF Global Hearing

A new panel of MF Global executives face lawmakers today. Insight with Rep. Randy Neugebauer, (R-TX).

Related Links:

Business & financial news headlines from msnbc.com

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Source: http://video.msnbc.msn.com/cnbc/46880572/

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Thursday, March 29, 2012

Home Build ? The Rock ? Keith and Kinsey's Real Estate Update

Home Build ? The?Rock

In our last home build blog, we talked about signing the building contract, and picking out some more finishes. Since then we?ve lined up insurance, had an appraisal, and finalized the construction loan. Of course, we are still trying to plan out the little details in the house, too.
With everything lined up and ready to go, we can now close on the lot and start building. We?ve got a closing scheduled for this coming Monday, and the builder is just waiting for the go head. There?s even a backhoe sitting on our lot already. The builder tells us he will be scraping dirt on Tuesday, surveying on Wednesday, digging on Thursday, and starting on footings by Friday.

The big talk in the neighborhood has been ?The Rock?. Our lot had a huge rock sitting on it that the developer had just left there years ago. We talked about the possibility of keeping it because it seemed like a fun thing for kids to climb on down the road. Although, this rock took up a good chunk of yard space, and it would be nearly impossible to move out between houses later. The developer planned to get rid of it, so we told him to go head. In any case, we came to find out that the rock was kind of a congregating place for the neighborhood kids. We have several friends that live in the neighborhood and have already met a few neighbors.?It seems like every time we talk to someone in the neighborhood they ask ?what?are you going to do with the rock?? ?We kind of feel bad getting rid of a neighborhood landmark, and wondered if it could be moved to the nearby park. However, it turns out the developer has already started to smash it up in order to move it out. Hopefully the neighborhood kids will forgive us.

We are excited to get this property closed and get the construction started!

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Source: http://keithandkinsey.wordpress.com/2012/03/29/home-build-the-rock/

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422Just what are Low Doctor Home loans and therefore are They're ...

Posted by FlitcroftKaleohano157 on March 29th, 2012

Perth Mortgage Broker Little Accreditation Financial loans (and also Lower Document Financial loans to put it briefly) are specially designed to permit people that is not going to be eligible for a standard mortgage. The applying really has to receive stated in crafting, even so you actually aren?t forced to found just as much details than the typical home mortgage. The lowest file personal cash loan makes use of people presenting precise details about your income level devoid of the enclosed paperwork. Decrease Health practitioner financial loans tend to be obtained by your self-employed, since they most often include several problem articulating resistant a standard earnings ( clear ) payday loans are likewise distributed around those who your below-average credit score heritage.

Why would you Apply For a Low Medical professional Financial loan?

Firstly, when you are self-employed rather than utilize a frequent salary, subsequent lower documentation loan from the bank in many cases are a new good accommodate available for you. Consider in the event you present additional information on the way to financial institution (one example is you could start to any distance learning from the cost per action) the exact terms of the home finance loan as well the interest rate is often more beneficial.

Just the thing Am i allowed to take into account?

Using the probabilities affecting a large number of financial products, every bank will normally require larger sized house mortgage rates. In the event you complement a kind of smaller record unsecured loan referred to as a good thing lend, which normally sometimes calls for without any paperwork in any way, future don?t be surprised to spend bigger prices.

And a factor to be able to topic in connection with is frequently house loan insurance policy, and that is an element that tons of financial institutions forces you to include for your desire for the loan, which additional improves the impose. Much better remains to be usually are normally wanted.

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About FlitcroftKaleohano157

has written 68 articles.

Source: http://newspost.eu/422just-what-are-low-doctor-home-loans-and-therefore-are-theyre-going-to-in-my-situation/

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Myanmar's Suu Kyi: from prisoner to would-be lawmaker

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Source: http://news.yahoo.com/myanmars-suu-kyi-prisoner-lawmaker-091852692.html

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Umbrella Insurance ? Through the Looking Glass

Published by Duff | March 27, 2012 | | 0

How do umbrella insurance policies guard us against the unforeseen events and incidents? The answer to this question is unknown to most of the people. Let?s find out the answer here. Usually, our ordinary insurance policies are enough to secure our lives and assets. However, sometimes they cease to work for our advantage. In such events, the umbrella insurance is going to be handy. It protects us and provides ample compensation against the unseen damages. Generally, umbrella insurance would give you additional protection. It would supplement the action of regular insurance products. Still, ordinary umbrella policy insurance would not cover the personal injuries and financial damages. Here steps in the umbrella policy. Personal umbrella policies carry out the quintessential function of securing you against such personal damages and losses.

For instance, you could be caught up in some accident. This may be unintentional. However, the injured parties would file a case against you. You would have to defend yourself with a good legal assistance. This can be quite expensive. You can seek the help of your umbrella insurance policy. The personal umbrella policy would secure you legally. It would pay and provide for all the necessary legal arrangements. With a personal umbrella policy in your arsenal, you can get the best lawyers to defend your case.

Personal umbrella products are equally valuable in recovering from serious legal damages. Some of these damages can also be financially devastating. Consider this. You happen to own some apartments and you rent them out to guests. It so happens that one of your guests suffers from some sort of unintentional damage or injury. It would not take long for him to sue you. In such a situation, both your legitimacy and business activity are under the threat of being damaged. You would need quite advanced legal assistance. The personal umbrella policy would do so. It would arrange the entire legal assistance. It would also give you sufficient compensation for the economic damages to your business.

Thus, we can see how personal umbrella policies are effective in settling liability claims. Usually, most of the regular insurance policies fall short of covering up all the liability claims. Even the basic variations of the umbrella insurance policy would not provide such a personalized financial and legal security against unforeseen events. Therefore, it would be essential that you buy a personal umbrella insurance policy. It would add to the value of your other insurances. It would also fully protect you, as a personal guardian.

Source: http://www.1directory.net/insurance/umbrella-insurance-through-the-looking-glass-51941.html

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Wednesday, March 28, 2012

Personal Finance Tips: Your Guide To Money Decisions ...

Every facet of your life feels the effect, for good or ill, of your personal finance skills. Make the decision to take control of your finances and start being successful with money. The tips in this article show you how you can effectively manage and be in charge of your personal finances.

Even the small things you pay attention to can aid in building up your financial status. Giving up your morning coffee, daily candy bar or even soda can add up over the year. That will net you a cool 25 dollars if you do it all week. Instead of driving your car to work, which will reduce wear on your car and prices on fuel, take the bus. You may be able to save quite a bit of money with this change. This money will accumulate and you can use it for your retirement fund or for a good investment. In the long run, that will be worth a lot more than your morning cup of coffee.

If you take advantage of online banking and bill paying, see what kinds of alerts you can set up with your bank. You can set your account to notify you automatically, via phone or email, when certain things happen to your account. Withdrawal alerts can protect you from identity fraud and theft and low balance alerts can save you from overdraft fees.

Be sure to carry a small amount of cash or your debit card in the event of needing to make a small purchase. New laws state that you may have to spend a certain amount to be able to pay the bill with your credit card.

Sit down and put your expenses into categories. Write your fixed expenses in a separate column from your variable expenses. This should help you establish a realistic budget. Being keenly aware of what costs what at all times will aid you on the path of success.

It is only a bargain if you buy what you actually need, rather than loading up on something simply because it is on sale. Buying in bulk can be great, so long as you actually use everything you bought. Look for bargains that you can actually use.

Not every debt you have is a bad one. Some debt, like taking out a loan on a home, can be an excellent investment. Homes and commercial real estate can gain value and you can write off as a tax deduction some of the interest paid on the loan you used to finance their purchase. Another good debt is college expenses. Educational loans are generally low interest, and payments can be deferred until after graduation.

Mix your investment portfolio up with some foreign interests. Using a no-load fund that is mutual is a simple international investment which can greatly reduce research need for individual stocks and gives diversification.

The best way to save money is to automatically deduct it from each paycheck. If you have some savings for an emergency you will be protected if you lose your job, get sick, get hurt or face a disaster.

Don?t let your personal finances get to you, clear your head, and realize it is time for you to tackle the issues. The article has provided you with the information you need to get on the right track, so apply this information to your personal finances and you will make a difference.

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Source: http://dominbenito.com/2012/03/27/personal-finance-tips-your-guide-to-money-decisions/

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Women with Moxie Entrepreneurs - 3 International Business Tips Biz ...

Liberian-born Cheryl Isaac reveals how women entrepreneurs can go global + the one thing women entrepreneurs can do each day to boost their business outlook

women with moxie entrepreneurs, moxie women, women entrepreneurs, cheryl isaac photo, international businessCheryl Isaac knows a thing or two about international business. Born in the West African country of Liberia, Cheryl Issac lived through a civil war that rocked the country to its core. Despite scarce resources?and?in the?middle?of political and economic strife, people were starting businesses. The?difficult?circumstances lit the?entrepreneur?spark in Isaac that propels her in business today.

Now a highly sought after business strategist, writer and social media voice, Isaac said, ?Business is all about creating and providing services. I saw people bootstrapping their business with whatever was available.?

The economic lessons she learned ? the idea of taking nothing and making it into something ? continues to?inspire?her long after her move to the U.S. as a teen.

Her Moxie Mix: Favorite Inspirational Quote??

?If your face?is swollen?from the severe beatings of life, smile and pretend to be a fat man.?

? Nigerian proverb

Recently, Time Magazine featured Isaac as one of ?The 140 Best Twitter Feeds of 2012? because she provides the perfect?combination?of business?knowledge?and personal anecdotes. The same holds true for her work as a business strategist and?author. Moxie asked the ?World with a View?? Forbes Woman columnist what three things she thinks American women need to know about?international?business?

1. Women entrepreneurs need to consider international business options.

Isaac cautioned women to let go of?their preconceived notions about starting a?business?overseas.

?It scares people,? she said.??That myth that you have to be a really big company [to go international].?It takes one step at a time.?

She advised women to?begin?with a?culture?that appeals to them and take?tremendous?care to?examine?the country?s way of life, their spending habits and even their?business?etiquette. One of the biggest mistakes U.S. businesses make is not knowing the?customs?of the country.?Other?big?mistakes??Underestimating the people and not getting a local business consultant to help?guide?the paperwork?process?and cultural issues.

Isaac said international entrepreneurs should prepare to be ?on the ground? in the country for at least a month to two months. They should also expect an?intense?paperwork process.

Her Moxie Mix:?Tech/Gadget/App?You?Can?t?Live Without?

Zite?Magazine App.?It personalizes content for your?iPad.

2. Entrepreneurs should study business news from other countries.

Reading more about international businesses is an excellent?opportunity to?improve?a stateside business, Isaac said.

?The more they [women] open their minds, the more they can broaden their views in their own business,? she said. ?Spend 20 minutes out of a day reading about how its [business]?is being done, find ideas, business partners?By keeping our eyes open we only make our business better.?

Her Moxie Mix: What are?you?reading?

I just finished The Memoirs of Cleopatra.

3. Women entrepreneurs should remember they are not alone.

The same barriers to entrepreneurship women in America experience ? access to?capital, training, opportunity, are the same barriers other women experience around the world. Isaac is studying how Chinese culture affects women entrepreneurs and?recent?efforts to remove barriers that affect them. She notes that societal?opposition?to women business owners increase the intensity of the barriers women in those areas must face.

What?s Next?

For Isaac, it is all about continuing to?help?startups thrive, shopping her?memoir?of her childhood experiences in Liberia?to agents?and creating a startup?exchange?for girls in West Africa. Don?t miss her post ?How to Push for Cash When You?re in the Service Business? featured on Women with Moxie Entrepreneurs. Also, stay tuned for a special Moxie sponsored LinkedIn with Cheryl.

For?you, dear Moxie reader -?don?t?you have some research to?do?

Share your story. Have?you?ever thought about taking your business international? What countries interest?you?

Related posts:

  1. How To Push For Cash When You?re In The Service Business
  2. Quick + Easy Tips to Boost Business Sales
  3. RFSQ: Architectural and Engineering Services for Rickenbacker International

Source: http://moxiecolumbus.com/2012/03/three-things-american-women-need-to-know-about-international-business/

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Can Congress require everyone to have health insurance?

Today, the Supreme Court will hear two hours of oral argument on the central issue in the case against the Obama administration?s health law ? whether the federal government has the constitutional authority to make people either purchase health insurance or pay a fine.

It is this question ? corresponding to a provision of the law known as the ?individual mandate? ? that has been the primary focus of intense political opposition and public outcry ever since the law was proposed. It has been the?focus of numerous lower court lawsuits as well.

Of the four appeals court decisions on the constitutionality of the health law, two upheld the mandate, one found it unconstitutional, and one ruled the question could not be decided until the mandate takes effect.?

The challenge to the individual mandate, like the other three issues in the case, stems from two lawsuits filed in Florida and later consolidated by the U.S. Court of Appeals for the 11th Circuit in Atlanta. One was filed by the National Federation of Independent Businesses and four individuals who lacked health insurance. The other was filed by Florida and joined by 25 other states.?

The business group and individual plaintiffs challenged only the individual mandate. The states challenged the mandate and the Medicaid expansion provision, which will be argued tomorrow. The 11th circuit struck down the mandate, but found the Medicaid expansion constitutional.?

The Lawyers
Source: U.S. Supreme Court
What is the individual mandate??

Under the Affordable Care Act, nearly everyone must purchase health insurance or pay a fine starting in 2014. Exceptions are granted for financial hardship, religious objections and incarceration. Undocumented immigrants and members of American Indian tribes are also exempt.?

The law also regulates the insurance industry, requiring carriers to provide reasonably priced insurance for everyone, regardless of health status. As a result of this new requirement, the administration has said the mandate is necessary to ensure that healthy people don?t wait until they get sick or become injured to sign up for insurance. If that were to happen, the insurance pool would likely be too small to keep costs affordable to consumers. The result would be sharp increases in insurance rates for everyone.?

The annual penalty for not having insurance is the greater of a flat dollar amount or a percentage of income. The flat rate starts at $95 in 2014 and gradually increases to $695 in 2016. The percentage of income in excess of the federal tax filing threshold starts at 1 percent in 2014 and rises to 2.5 percent in 2016. For both families and individuals, the penalty could be as high as the price of insurance coverage.?

The Congressional Budget Office (CBO) estimates that 21 million non-elderly people will be uninsured in 2016, but the majority of those will not be subject to the penalty due to financial hardship. About 4 million people will pay the penalty, netting about $4 billion to the U.S. Treasury, the CBO predicts. Currently, more than 50 million Americans are uninsured.?

The arguments?

Arguments on both sides primarily center around the commerce clause in Article 1 of the U.S. Constitution, which gives Congress the authority to regulate commerce within the states if it has a substantial effect on interstate commerce.?

The plaintiffs charge that the commerce clause does not apply to the health law?s individual mandate, because a decision not to buy insurance isn?t a commercial transaction. Instead of regulating commerce, plaintiffs maintain that Congress is requiring people to enter commerce by purchasing health insurance. If the mandate is upheld, they argue the federal government would have unprecedented power over individuals? actions ? and inactions. The federal government, they argue, could require people to purchase all kinds of other things, such as American cars.?

The administration has argued that the decision to buy health insurance is unlike other purchasing decisions, because everyone will use health care services at some point in their lives. It?s just a question of when. Instead of inaction, the administration maintains, not buying health insurance is a decision to self-insure and take a risk on remaining healthy. According to the administration, people who do not purchase health insurance often end up paying less than the full cost of the care they ultimately receive. That results in the costs of their care shifting to people who have insurance, in the form of higher premiums.?

Two other constitutional provisions in Article 1 ? the ?necessary and proper? clause and the ?taxing power??have also been invoked by both parties.?

The necessary and proper clause allows Congress to enact laws needed to execute the federal government?s duties. The administration argues that extending health care to the uninsured, which addresses a pressing national problem, is among those duties. But plaintiffs argue that without the commerce clause, the necessary and proper provision alone cannot validate the individual mandate.?

The administration also says the individual mandate falls within the government's broad taxing powers, in part because it is administered through the tax code. Plaintiffs argue that the mandate is not a tax but a civil penalty. In ruling against the mandate, the 11th Circuit observed that Congress was careful to refer to the sanction for not buying health insurance as a "penalty," while using the word "taxes" in several other provisions of the law.

? Contact Christine Vestal at cvestal@pewtrusts.org

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Source: http://www.stateline.org/live/details/story?contentId=641514

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