Textbook Rental Site BookRenter Spawns Rafter, A Course Materials Management Network For Colleges

College textbook rental startup BookRenter is announcing an interesting new venture today, pivoting slightly from the singular focus on rentals to a broader market. Rafter is launching as a network of software services which basically allows college administrators and educators to better control cost and manage course materials and products for their students. BookRenter will continue to operate, but as a division of Rafter. As BookRenter and Rafter CEO Mehdi Maghsoodnia explains to me, the sourcing of course materials is actually a challenge for many professors and administrators for a number of reasons. First, discovering the best course materials for a particular subject has been a process that has taken place largely through word of mouth and offline conversations. Second, there are major complexities in accessing the rights to content as well as fulfillment.

Source: http://feedproxy.google.com/~r/Techcrunch/~3/tCMmpFK_Lww/

trace cyrus hilary duff pregnant hilary duff pregnant psat psat brenda song mountain west

History Of Public Speaking

There never has been in the history of the world a time when the spoken word has been equaled in value and importance by any other means of communication. If one traces the development of mankind from what he considers its earliest stage he will find that the wandering family of savages depended entirely upon what its members said to one another. A little later when a group of families made a clan or tribe the individuals still heard the commands of the leader, or in tribal council voiced their own opinions. The beginnings of poetry show us the bard who recited to his audiences. Drama, in all primitive societies a valuable spreader of knowledge, entertainment, and religion, is entirely oral. In so late and well organized communities as the city republics of Greece all matters were discussed in open assemblies of the rather small populations.

Every great epoch of the world?s progress shows the supreme importance of speech upon human action individual and collective. In the Roman Forum were made speeches that affected the entire ancient world. Renaissance Italy, imperial Spain, unwieldy Russia, freedom loving England, revolutionary France, all experienced periods when the power of certain men to speak stirred other men into tempestuous action.

The history of the United States might almost be written as the continuous record of the influence of great speakers upon others. The colonists were led to concerted action by persuasive speeches. The Colonial Congresses and Constitutional Convention were dominated by powerful orators. The history of the slavery problem is mainly the story of famous speeches and debates. Most of the active representative Americans have been leaders because of their ability to impress their fellows by their power of expressing sentiments and enthusiasms which all would voice if they could. Presidents have been nominated and candidates elected because of this equipment.

During the Great War the millions of the world were as much concerned with what some of their leaders were saying as with what their other leaders were doing.

There is no aspect of modern life in which the spoken work is not supreme in importance. Representatives of the nations of the world deciding upon a peace treaty and deliberating upon a League of Nations sway and are swayed by speech. National assemblies from the strangely named new ones of infant nations to the century old organizations speak, and listen to speeches. In state legislatures, municipal councils, law courts, religious organizations, theaters, lodges, societies, boards of directors, stockholders? meetings, business discussions, classrooms, dinner parties, social functions, friendly calls in every human relationship where two people meet there is communication by means of speech.

For more informative articles ? visit : internet article marketing,

Source: http://www.a1article.net/writing-speaking/history-of-public-speaking-5731.html

made in america icam patrice o neal. osteopathy osteopathy diphtheria diphtheria

E-Business Sales revenue Earnings Boosted Just after Credit Card ...

Ultrasonic Electronics Display (Plant) Fundamental STN and CSTN, in the very first fifty percent-calendar year profits sales revenue and net gain growth of about 78% and 1936%, even while a plant in the raise in sales revenue and net gain of 40% or more. Clyde Lee Dennis a existence extensive new music enthusiast, writes Compact disc critical reviews and is also the Travel Editor at San Francisco.eNewsBriefs.com covering topics like and more. A lot of folks take a look to save hard earned cash and their cars on their own. And how to make explore into a especially streamlined workflow. Now then, when discussing this at duration with a good friend of mine who reads at least 3-four novels a week, significantly, she noted that she did like the come to feel of a guide very best, but if she could not get the guide or it wasn?t out in paperback, nevertheless or not on the market at a applied guide save, she?d gladly browse it on an electronic gadget and we noted that her mind unwinds, and likes the method of considering even while looking through.

Principle Centered Living can assistance us recognize and realize how to make clear indiscretions and compromises in our lives, how to establish options to these moral dilemmas and commit to the moral principles outlined in the guide. are featured by AirportParkingReservations.com at especially competitive expense. For these kinds of jobs you can decide to buy stamps or stencils if you are not so self-assured in your own inventive capabilities. This demands careful organizing and execution. He suffers from a stuttering trouble.

You?ve prepared your very first and second chapters, and now you might be rolling most suitable along, just one chapter for each day. You can configure these settings for scrolling / clicking in the settings to your heart?s information by itself. Attending an audio recording university will set you ahead of other folks when prospective employers are wanting more than a resume or conducting an job interview. This would most likely set you on a short-checklist of candidates to use. Most have plenty of space for elements on shelves beneath, and a large number of give matching shelving or audio towers.

On an ordinary, the hard earned cash lent to a borrower is to the tune of $thirteen,000. Audio publications could be found in more and more outlets from guide outlets and new music outlets to a large number of on the web resources like course hippique virtuel on the web audio guide rental companies. As we develop into more progress, martial arts will burn its importance slowly. This Newberry Award successful guide could be conveniently browse by third graders, but in purchase to machines a sous recognize and talk about the plot and undercurrents of the tale I highly encourage it for more mature elementary audience, as well. Pest, on the other hand, was generally a more lively, more partying, more up-to-date facet of the town.

In addition, the procedure of health related arts acupuncture center to its sufferers will have to be competent while the clinic genuinely should in addition be a enticing destination in which the workers plus health related experts will have to deal with their sufferers with attention, regard plus gentleness. Observing the Iron Male I envied the athletes who could thrust on their own over and above individual endurance by competing in gatherings that taken by on their own would be tough but additional with each other appeared difficult. In this case, it has develop into apparent that physical bookstores are shedding their appeal relative to their digital competitiveness i.e. Below are some tested techniques to generate catchy guide titles for your guide. The kettledrums and string sections give the title track an practically bleak and menacing come to feel, while the acoustic sections of -Irish Rain- give the song a delicate notice.

The emblems of the sacrament are symbolic. Other folks identified for buying on the web are more mature people that cant get to suppliers, folks wanting to have a gift shipped to the sender as a surprise, these kinds of as flowers, chocolate, or cards, and folks that are too occupied to go to the mall or office save!All costs aside, on the web buying can also be achieved with other stuff these kinds of as e-cards.I do not know people that has not sent at least An individual e-card in their existence! That?s an awesome amount of creating. This extensive expression visa is identified as Subclass 457 visa. And when compared to car or truck organisations, Automobile Accessories Inspite of the good sized multitude of organisations and dealers, but the lack of well-identified brand name with sturdy appeal, and enterprises, the competitiveness between the products and solutions nevertheless remained at a low amount of fee war amount.

And possibly even even worse, you can not recognize when shrinkage is occurring. Some pupils might not have to expend two years functioning on their degree considering the fact that a large number of functioning grownups have gained encounter on the job that can be transferred to the classroom. The internet is an perfect medium considering the fact that of its attributes. To grasp and successfully execute any any methodology of the Martial arts, just one has to know its demands ? one. You are assured of a great wedding ceremony with their in-residence wedding ceremony planner prepared to guide you in ironing out the details from the ceremony to publish-reception.

---

Source: http://agnieszkaduleba-kasza.pl/e-business-sales-revenue-earnings-boosted-just-after-credit-card-fraud-safety/

kc chiefs judy garland duggars j r martinez j r martinez long island serial killer wizard of oz

User:Monicaseler - 4ClosureProject

From 4ClosureProject

In order to quote from your saying "a particular person is what exactly he consumes. " The size and style of one's body of a person shows the food item that he eats. Pork chops, fried fowl, potatoes, cheese, cakes along with chocolates makes an individual fat or perhaps obese! It seriously isn't bad to relish every meal that a person eat if it is in moderate means. There tend to be some meals that an individual can eat and on the same might help him lose weight. Cold or chilled soups could serve the purpose of low calorie dinners. It can include gazpacho as well as cucumber-dill, which can even be rich with a large number of green vegetables. It will be excellent to adopt prior acquiring meal. Also a good number of health researchers state that having this type of low-calorie broth-based soup can certainly actually minimize the quantity of meal you'll be able to intake by allowing you a sense of volume. There is actually no one diet meal that serves for the reason that perfect weight loss food regardless of the hype you could read within magazines as well as hear with TV. However, if you know the change between which often foods promote weight loss and which foods prevent fat reduction, you have become a excellent head start on achieving the ideal weight that you need. Carrot is just about the best plant-based slimming foods due to its lower calorie nonetheless high dietary content (including vitamins A new, C, beta carotene along with fiber). Because associated with its abounding fiber, it fills people up simply, preventing people from heaping about excess calories. Carrot is more wholesome when consumed cooked when compared with raw since cooking stops working the it is tough mobile walls. This enables the body to replace more beta carotene towards vitamin A new. Alternatively, you could blend green beans into juices but be sure you drink your juices when using the fiber. You must distinguish a large number of super slimming foods and also drinks which shouldn't leave a eating routine or important in just about any diet. For a good number of dieter, adding these slimming foods recommended to their daily diet give them instant slimming that they have. They have a preference for this simply because they feel therefore restricted on other formal fat loss program being offered on the market. As professionals suggest we must drink at least two to three liters connected with water day after day. But where to start if you can't drink very much amount associated with water? We own many groceries with higher water written content and several amounts of calories. So these meals are in addition our slimming friends as they helps us in satisfying our water intake plus fewer calories are eaten by our body by the use of these water food items. The meals aimed specifically at rapid weight reduction are versions that hasten your metabolism. This is a underlying principle behind weight loss pills. They include caffeine and other accelerants that hasten your body to make you shed extra pounds. HOWEVER, these often simply never work in addition to cause a lot more problems than other things. Foods that do this include citrus fruit, soybeans, fresh some fruits and garlic essential oil. This is just to mention a few. The best weight reduction regime may sound hard especially if you're not doing it right. To conquer the weight-gain battle, all you'll want to do should be to switch into the foods that are low inside calories and also high around nutrition. Also consuming these nutritious foods might make you seem better, feel better and in addition improve your overall mental and physical health and wellbeing. Along with a regular routine, you should watch properly what an individual eat. These simple, highly wholesome foods can produce significant results should you be consistent along.

One the simplest way to {http://wiki.pythonchallenge.com/index.php?title=User:oliverpikus best weight loss foods] is to consume slimming foods. These will be the kinds connected with foods which might be diet friendly all around health are nourishing and do not contain substantial amounts associated with calories. Aiming to reduce weight won't mean you need to deprive you of good food. Yes, these well balanced meals are not merely nutritious, but additionally they taste good. By eating {http://www.bcultura.com/wiki/index.php?title=User:oliverpikus weight loss foods], you won't should deprive you from its precious nutrients. Making very simple changes for a diet is certain to get you far away. You will not only lose weight, you will also look far better and think healthier. Do possibly not skip breakfast. You've likely heard this a thousand times undoubtedly, but feeding on breakfast is important. It will certainly jumpstart a person's metabolism all of which will get people going throughout the day. Make sure you eat weight loss foods though. You must make a listing of what sorts of food to be able to eat so that you can stock way up your pantry. Here are some slimming foods that you may incorporate into your diet: Weight Reduction Foods Idea #1: Brown Carbs & OatsBrown sugar are completely, unrefined grains just like whole wheat bread and also brown rice. These may also be fibrous they usually aid in better digestive system. Avoid eating refined carbohydrates for example white rice and white pasta. Oats are one of many healthiest food items. They are usually high within fiber and also help reduce cholesterol levels. Oats as well digest slowly but surely, leaving you using a full belly for hrs. Old-fashioned oats are usually better, but when kinds are also good. Weight Deprivation Foods Idea #2: ProteinNow you additionally need protein. A great way is offspring. Yes, you can eat eggs, including the yolk. Eggs include high amount of protein and studies show that eating eggs in the breakfast might most likely make you experience full throughout the day. Most likely, you won't usually overeat during your meal. Poached eggs is a wonderful idea as they quite simply contain fewer fat compared to fried offspring. Another great way is species of fish. Also containing more protein and various great stuff like omega-3 essential fatty acid. Other lean proteins incorporate turkey, white fowl meat, and meat. I usually have a sheet of toast with some salmon as well as a poached egg for breakfast time. Add a good number of spinach (only boiled with regard to 20 a few moments or therefore) and you will have the breakfast connected with champions of which tastes well as effectively. Weight Loss Foods Idea #3: Olive oilOlive oil is just about the healthiest oils because no contain over loaded fats. One of these simple replacements you can apply is to replace corn oil or veggie oil having olive essential oil. Weight Loss Foods Tip #4: Healthy some fruits & VegetablesBerries are containing more antioxidants. They were sweet this means you won't have got to eat ice cream in addition to cheesecake. Apples will in addition make you really feel fuller. Grapefruit is definitely another good weight loss fruit. In addition compared to that of training course, there are plenty of vegetables that are regarded as good in your case. A blend fry, in that you choose to mix vegetables together is extremely easy to organize and healthy in addition. This is just a short introduction to great weight loss foods. The major to reducing your weight and maintaining it off should be to incorporate changes that you may maintain long-term. So choose some of the foods earlier mentioned, replace all of them with fewer healthy alternatives also , you are well in your way. Maximize all those benefits by means of exercising regularly and you will be laughing the weight off!

Source: http://4close.umlaw.net/index.php?title=User:Monicaseler

nightline brady quinn brady quinn bloom box fat tuesday girl scouts obama sweet home chicago

Curcumin is a potent tool in the war against prostate cancer and ...

naturalnews.com printable article
Originally published February 27 2012

Curcumin is a potent tool in the war against prostate cancer and dementia
by John Phillip
See all articles by this author

(NaturalNews) Curcumin, the active anti-inflammatory compound found in the Indian spice tumeric, has gained an impressive reputation in the fight against many deadly forms of cancer. New evidence released in the journal Cancer Research finds that the natural phenol can slow prostate tumor growth by blocking receptors used to propagate cell tissue growth.

Additional research published in the journal PLoS One explains the precise mechanism exerted by curcumin molecules to target the amyloid fibrils associated with the unnatural progression of protein-like plaque tangles that are characteristic in Alzheimer?s disease patients. Adding curry spice to your healthy diet or supplementing daily with a standardized curcumin capsule will help win your individual war against cancerous proliferation and Alzheimer?s dementia.

Prostate cancer is one of the most common forms of the disease, with more than 250,000 diagnoses in the US each year. Any natural compound that targets the proliferation of prostate cancer cells would provide a significant remedy compared with the allopathic methods of radiation, surgery and chemical agents. To conduct the study, researchers subjected prostate cancer cells to hormone deprivation in the presence and absence of curcumin with ?physiologically attainable? doses.

Curcumin blocks prostate cell receptors to thwart cancer progression
The researchers found that curcumin blocked two genetic receptors necessary for prostate cancer advancement. These receptors have been shown is past studies to predict cancer incidence and rate of growth of existing tumors. They noted that the spice extract was ?a potent inhibitor of both cell cycle and survival in prostate cancer cells.?

The lead study author, Dr. Karen Knudsen and her team found that other cancer cell lines multiply by a similar receptor mechanism and may also be inhibited by the curry compound. She commented that curcumin ?also has implications beyond prostate cancer? in other malignancies, like breast cancer. In tumors where these play an important function, curcumin may prove to be a promising therapeutic agent.?

In a separate research body, scientists found that curcumin prolongs life and enhances activity of brain neurons, acting as a neuroprotective shield against Alzheimer?s disease advancement. The research team determined that curcumin acted to prevent the damaging accumulation of amyloid fibrils around the nerve synapse. Amyloid tangles are known to prevent normal electrical and chemical transmissions required to form memories and maintain cognition.

Scientific research models continue to extol the virtues of natural spice and herbal extracts such as curcumin to help prevent and treat many deadly diseases that kill countless millions each year. Incorporate curry spices as part of your healthy diet or include a daily supplement (250 mg to 500 mg standardized curcumin extract) to significantly lower cancer risk and support healthy brain function.

Sources for this article include:

http://cancerres.aacrjournals.org

http://www.nutraingredients.com

http://www.sciencedaily.com/releases/2012/02/120210105859.htm

http://www.medicalnewstoday.com/releases/241647.php

About the author:
John Phillip is a Health Researcher and Author who writes regularly on the cutting edge use of diet, lifestyle modifications and targeted supplementation to enhance and improve the quality and length of life. John is the author of ?Your Healthy Weight Loss Plan?, a comprehensive EBook explaining how to use Diet, Exercise, Mind and Targeted Supplementation to achieve your weight loss goal. Visit My Optimal Health Resource to continue reading the latest health news updates, and to download your Free 48 page copy of ?Your Healthy Weight Loss Plan?.

0.000000 0.000000

Advertisement

Like this:

Be the first to like this post.

Source: http://ummmuhammadahmad.wordpress.com/2012/02/27/curcumin-is-a-potent-tool-in-the-war-against-prostate-cancer-and-dementia/

andy rooney dies bank transfer day daylight savings 2011 day light savings day light savings us geological survey us geological survey

Marriage, WWII ? Nancy Thayer

Nancy Thayer is the author of twenty-one novels, including Summer House, The Hot Flash Club, Beachcombers, and her latest, Heat Wave, due out in June. Nancy Thayer?s work has been translated into many languages, including German, Finnish, Hebrew, Russian, Turkish, French, Portuguese, Spanish, Dutch, Serbo-Croatian, Swedish, Danish, and Polish. Her books concern the mysteries and romance of families and relationships: marriage and friendships, divorce and love, custody and step parenting, family secrets and private self-affirmation, the quest for independence and the normal human hunger for personal connections. Her novels have been condensed or excerpted in several literary reviews and magazines, including Redbook and Good Housekeeping, England's Cosmopolitan, Holland's Viva, and South Africa's Personality. She has published a commissioned three-part mystery novella in Redbook, and short stories in literary reviews in the United States, Canada, and Spain. Her first novel, Stepping, was made into a 13-part series for BBC Radio. Her novel Spirit Lost was made into a movie by United Image Entertainment. Nancy Thayer has a B.A. and M.A. in English literature from the University of Missouri at Kansas City. She was a Fellow at the Breadloaf Writers? Conference. She has lived on Nantucket Island year-round for twenty-six years with her husband Charley Walters. Her daughter is the novelist Samantha Wilde. DEAR READER, Summer on Nantucket is party time! We have beach parties, gallery openings, benefits for charities, celebrations for our many historic organizations, galas and dances. We have Daffodil Weekend in April, the Fourth of July with the Boston Pops on the beach, the Cranberry Festival in October, and the romantic Christmas Stroll. And every month on the island, the women of Nantucket?s Petticoat Row celebrate women in business with parties and inspirational talks. In my new novel, Heat Wave, Carley Winsted has little to celebrate. She is thirty-two, with two daughters, when her husband dies of a heart attack. Suddenly she finds herself in a large house with no money. She has two best friends, Maud and Vanessa?but just when she needs them, one of her friends does something truly terrible to the other, and Carley is caught in the middle. Carley is not without determination, creativity, and gumption. She decides to turn her historic old Nantucket home into a B&B. In the process, she discovers how happy it makes her to provide pleasure for her guests. Carley knows that sometimes we all need a little vacation in a magic place, to renew and refresh our minds, bodies, and souls. The Seashell Inn becomes just such a place. For those of you who loved Moon Shell Beach, you?ll be glad to know that Lexi Laney shows up in Heat Wave, so you can find out about her there. I loved writing this book, my twenty-first! I love living on this island, surrounded by sparkling blue water, connected by the sparkling mysteries of the Internet to my readers. I love hearing from you all. Soon there?ll be a Fanpage on Facebook where you can discuss my books with each other. Also, look for all the fun promotions from my publishers, Random House. Best Wishes, With affection from Nantucket, Nancy EMAIL ME at nancy@nancythayer.com!!

Source: http://nancythayer.com/2012/02/marriage-wwii/

accenture match play george washington carver king cake vicki gunvalson irs jason campbell mardi gras

Living With The Oscars: Heavy Traffic, Noisy Helicopters - Hollywood, CA Patch

hollywood.patch.com:

It's Academy Awards time, when the spotlight on Hollywood Boulevard shines brightest. But while the stars of the movie industry and their fans are flocking to the Hollywood & Highland Center, locals are dealing with inconveniences that can cause a headache or two.

On Friday, at the?Oscars venue formerly known as the Kodak Theatre,?tourists were stopping to?take pictures while?stores in the Hollywood & Highland Center?were?preparing to lose a day of business on Sunday, when all attention will turn toward the 84th annual awards ceremony.

Read the whole story: hollywood.patch.com

"; var coords = [-5, -72]; // display fb-bubble FloatingPrompt.embed(this, html, undefined, 'top', {fp_intersects:1, timeout_remove:2000,ignore_arrow: true, width:236, add_xy:coords, class_name: 'clear-overlay'}); });

Source: http://www.huffingtonpost.com/2012/02/26/living-with-the-oscars-he_n_1302967.html

richard simmons war of 1812 war of 1812 jeffrey eugenides jeffrey eugenides volcker rule matthew stafford

The Solutions Provided by Search Engine Marketing Service ...

February 25th, 2012 . Posted in Internet MarketingNo Comments ?
Tags: search engine marketing, search engine marketing training

Search engine marketing (SEM) is becoming common to most online business owners today. Basically, they are in search of service providers of search engine optimization (SEO) services for them to achieve the goals of their businesses. These business owners have probably realized the importance of search engine marketing because majority of the market they are targeting are using the Internet. These targeted markets are doing this to obtain information from the web about tips and guide to help them decide what products to purchase and services to avail.

Social media also plays a major role in the lives of many people today. This is already their means of disseminating information about the various brands available in the market. It is because of this reason that businesses are now looking for relevant SEO services for their online business companies. In order to get the best solutions for marketing your business online, consider the following tips in looking for your service provider:

1. Never believe at once the promises given to you by the service provider specialists. They may tell you that they will work to make you occupy the top position in the search engines. It is best not to employ their services since it is obvious they are only up to get payment from you but are not true to their words. This is because nobody can definitely say a website?s ranking since this is based on relevance and algorithm.
2. Always do your researches on how much these search engine marketing specialists are paid for their services. You also need to know the amount of money a specialist is charging you so that you can settle with them before getting their services. This is important so that you will obtain quality services at the most affordable price.
3. In order to evaluate the quality of services offered by the Internet SEM solutions provider, you can find sites where reviews and ratings are written about them. You can readily see if their clients have embraced their solutions as this will show whether or not they have already conquered the market. If they have, this simply means that if their clients have succeeded with their businesses, then it follows that they will also make your business successful.
4. It is also vital to consider the professionalism of the specialist you hired to provide Internet solutions for you. Make sure that they have undergone search engine marketing training, adopted modern techniques and technologies, acquired vast experience in the field, and made their clients conquer the markets and venture into new ones so that they can increase their sales.

Source: http://www.mentormall.cc/the-solutions-provided-by-search-engine-marketing-service-providers-online/

censoring the internet blackout blackout congress censored darvish jerry yang

Rev. Peter Baldwin Panagore: Seeing the Dead (Huffington post)

Share With Friends: | | Politics - Top Stories News, RSS Feeds and Widgets via Feedzilla.

Source: http://news.feedzilla.com/en_us/stories/politics/top-stories/204700758?client_source=feed&format=rss

elin nordegren tangled ever after kansas state last house on the left last house on the left rich forever mixtape blow

TC@MWC: Hands-On With The HTC One S

The HTC One X is clearly the device everyone wants to see, which is why I decided to give its little brother a bit of spotlight first. The One S is sort of a puzzle to me. Though it's meant to be more of a mid-range device than the powerhouse that is the HTC One X, the One S sports an arguably handsomer exterior. Unlike its polycarbonate-clad counterpart, the One S sports a frame made from single piece of aluminum, which imbues it with a more robust, premium feel despite its light weight and slim (7.9mm!) frame. Much as I like the One X, I think there's a very real chance that the One S will ultimately be the real leader of the pack when it comes to popularity.

Source: http://feedproxy.google.com/~r/Techcrunch/~3/dzqUs7-bzd0/

john galt post office hours post office hours coptic coptic breaking bad season finale breaking bad season finale

Stern: Silver worthy successor as NBA commissioner (AP)

[unable to retrieve full-text content]AP - Whenever David Stern retires, he's certain Adam Silver is ready to be the next NBA commissioner.

Source: http://us.rd.yahoo.com/dailynews/rss/sports/*http%3A//news.yahoo.com/s/ap/20120226/ap_on_sp_bk_ne/bkn_all_star_stern

ny jets chargers seahawks jets air jordans pecan pie recipe prince philip

Everyday Education ? Janice Campbell's site for Homeschooling ...

Would you like a free copy of my reproducible writing evaluation rubric? Just type your name and e-mail below, and you?ll be taken to a download link. You?ll also receive my free twice-monthly e-zine, with helpful articles and tips. Enjoy!

I?ve written many articles and a few books over the last couple of decades. You?ll find those here, as well as resources for home- and family-centered living with a special emphasis on writing, high school literature, and homeschooling through high school and beyond, with topics including non-traditional college and home business.

My goal is to provide articles, links, and resources that will help you make time for things that matter to you. I want to help streamline life?s necessities ? like high school transcripts, records, and diplomas, and teaching classic literature and writing- so you?ll have more time to spend on the important things? things that last.

Browse through the articles, but first, be sure to sign up for the free e-zine in the box at left

Source: http://www.nagyklara.com/everyday-education-janice-campbells-site-for-homeschooling-teens-through-high-school-transcripts-made-easy-get-a-jump-start-on-college-and-soon-high-school-literature-for-home-school-welcome.html

miami hurricanes vlad the impaler michael lohan fiddler on the roof rally squirrel rally squirrel scumbag steve

Judge gives NYC churches access to public schools (AP)

[unable to retrieve full-text content]AP - Churches won back the right to hold services in the city's public schools when a federal judge issued an injunction Friday against its no-worship policy.

Source: http://us.rd.yahoo.com/dailynews/rss/space/*http%3A//news.yahoo.com/s/ap/20120225/ap_on_re_us/us_church_school_space

weather colorado springs weather colorado springs chaz bono tonight show tonight show unthink julianne hough

Virgin Australia to use Android-powered Galaxy Tab for in-flight streaming

Virgin Australia has decided to go with the Samsung Galaxy Tab 10.1 to provide in-flight entertainment for passengers instead of the iPad. The system, which starts to roll out in April, will have the Tabs pre-loaded with movies, television and audio programs, and full in-flight streaming via Lufthansa BoardConnect wireless is slated to be up and running by the end of 2012. Once the Lufthansa system is in place, passengers will be able to choose from a wide range of entertainment to stream to the Galaxy Tab 10.1, as well as their own tablets or Windows and Mac computers. The tablets themselves will be included in the price of a business class ticket for travelers on the companies 737 and E-190 planes, and will be offered as a rental option for coach passengers on flights that take over three hours.

When the folks at Australian Business Traveller asked Virgin Australia CEO John Borghetti why the company decided to use the Galaxy Tab instead of the more popular Apple product, he had the following to say:

The Samsung tablet is being recognised as a better product than Apple. That's not unusual, second-generation stuff usually is. In fact, it's getting better reviews than the iPad 2. The screen itself is better, and the [Android-based] system is a plus. It's (also) much thinner, as you know, and overall it's a better product.

We're not going to argue. Neither is Boeing, who has decided that all of their 787 Dreamliners will use a Panasonic manufactured Android tablet for in-flight entertainment. Certainly the fact that vendors can fully customize an Android product has played a role here, and this is something we should start getting used to seeing. All we can really say is that we know you have a choice when you fly, and we appreciate you choosing Android.

Source: Australian Business Traveller

Source: http://feedproxy.google.com/~r/androidcentral/~3/UULd1uFuNjU/story01.htm

vaclav havel kim jong ii dead snapdragon snapdragon kim jong ill dead wedding crashers next iron chef

Second Home loan Soon after Bankruptcy : Knowing the Basics ...

by cdpe on Feb. 24, 2012, under CDpeace

Finding a Subsequent house loan or even home equity loan after a a bankruptcy proceeding will be feasible. Nonetheless, mortgage loan applicants should know certain down sides to be able to poor credit loans. A bankruptcy will be destructive to credit ratings.

Actually, several finance experts decrease bankruptcies. Those that document Chapter 7 bankruptcy or Chapter Tough luck are usually afflicted by higher financing charges about properties, automobiles, etc. Before you apply for any Next house loan, determine what to expect along with see the principles of getting a good price.

Count on Higher Finance Fees as well as Interest levels

After a bankruptcy, many people are unwilling to make an application for credit history. These people assume greater charges, that can may also increase monthly obligations. However, getting new credit history company accounts is important to be able to re-establishing along with developing credit ranking. Alternatively, receiving a financial institution to say yes to a charge card request from a individual bankruptcy will be demanding. With this issue, a lot of people elect to get a Subsequent home loan.

Getting accredited for any 2nd mortgage loan using a a bankruptcy proceeding now is easier for the reason that loan can be guaranteed by your house. Thus, should you stop paying for the bank loan, the financial institution may claim your premises and also resell that to extract their particular reduction.

While these loans are ideal for increasing credit score, people should not assume the most effective rates. Traditionally, 2nd home loans get increased rates compared to initial mortgages. However, in case you have a recently available a bankruptcy proceeding, assume over average rates. To avoid a massive payment amount, borrow a small amount of money.

Another choice requires applying for funds, and also deposit the funds in a family savings. Throughout 6 months, pay off the financial institution using the deposited cash. Using this method, you boost credit rating and steer clear of the chance of the inability to settle the credit.

Using Bass speaker Prime Mortgage loan Loan providers For Best Rates

Looking for a second mortgage along with your present financial institution is probably not the most suitable choice. If you obtained the initial mortgage with a favorable credit record, the lending company might not exactly approve the loan application following a individual bankruptcy. Alternatively, contact a number of bass speaker leading creditors. Bass speaker perfect lenders accept financial products for many credit score sorts. Consequently, applicants could possibly get authorized after a personal bankruptcy, foreclosures, repossession, etc.

In addition, sub excellent creditors normally offer you greater rates as compared to classic lenders or finance institutions. Toronto house loan brokers can help you find a bad credit score as well as sub perfect lender. Furthermore, broker agents offer you job seekers various bank loan possibilities. Because of this, bank loan applicants can come up the bank providing the best charge as well as loan terms.

Source: http://www.cdpeace.com/second-home-loan-soon-after-bankruptcy-knowing-the-basics/

bernie madoff anna chapman kim kardashian honda generator honda generator cc sabathia ruth madoff

Tips For Effective Weight Loss | New Health and Fitness

New Health And Fitness.Org - Health Information You Can Use

For reasons of improved health and improved appearance, effective weight loss is something many people who are overweight must consider. However, many people struggle with knowing what the best ways are of going about it. The tips below should provide some help in this respect.

First, the old cliche of watch what you eat is still very valid. Food that has high nutritional value should be prioritized, and should be taken in small portions. In this way, you have a healthy and controlled intake of food, which will prevent excess pounds being put on.

How many calories your food contains is something you have to keep an eye on. The sole method of reducing your fat is by ensuring that the calories going in to your body do not exceed or match the calories that you are burning off. The necessity of watching your calories cannot be exaggerated.

Be sure to drink plenty of water. This will keep your body healthy in that it will help you flush out any fatty toxins in your body. It also will fill your stomach as well, which will ensure you are less likely to fill it with fattening foods in order to assuage your hunger.

Do exercises that you find you enjoy doing. This could be walking, running, swimming or squash. Irrespective of the actual exercise itself, you will find you will stick with an exercise that you like, and will see your fat reduced as a consequence of this.

Be sure to get a proper night?s sleep as well. Seven and a half hours is the recommended period of sleep that your body will require. This allows your body to break down food and digest it more effectively, which will ensure that less of it ends up being stored as body fat.

A realistic set of objectives should be made by you in your attempts to become thinner. An objective that you do not meet will adversely affect your confidence and make you question the point of trying. An objective that you meet will only strengthen your resolve.

To sum up, effective weight loss is not as easy as it seems. Unless you know what the proper method of losing your fat is, your commitment to doing so will have severe drawbacks. The hints provided above will give you a better than average chance of conquering the fat and achieving a slimmer physique over time.

Click here for more information on Weight Watchers Blog

Source: http://newhealthandfitness.org/2012/02/25/tips-for-effective-weight-loss/

pineda john edwards heart condition mena suvari pretty in pink joyful noise coachella one life to live

Apple says iCloud and MobileMe email down in Germany, due to Motorola lawsuit

Cupertino says it is has suspended push email via iCloud or MobileMe for users in Germany, due to "recent patent litigation by Motorola Mobility." Push still works for Contacts and Calendars, but there's a page up on Apple's German support site (see the source link) telling users to use the Fetch settings on their iDevice to collect emails. There's a similar page up on Apple's US site giving the same advice to users who are travelling to Germany. Meanwhile, push email for OS X and via other service providers such as Microsoft Exchange Active Sync, is unaffected.

Apple says iCloud and MobileMe email down in Germany, due to Motorola lawsuit originally appeared on Engadget on Fri, 24 Feb 2012 04:01:00 EDT. Please see our terms for use of feeds.

Permalink   |  Apple (German)  | Email this | Comments

Source: http://www.engadget.com/2012/02/24/icloud-and-mobileme-email-down-in-germany/

sarah palin espn body issue ijustine visionary guy kawasaki jani lane the exorcism of emily rose

Literary Informatics ? Grab severe experts with naples web design ...

Even now, immediately, the online marketplace will continue to expand clear which the major search engines will be very nearly useless if you are looking designed for native advice.

What exactly these types of services. In essence, they are service online websites, that happen to be all around long. Then again, Denver web design finders include the can last advancement and search concept, and additionally stand for most effective, fastest, the majority of fast way to find this company that you need.

This is where Denver design finders shine in life. Through the help of this type of service, is essential of countless matters. First of all, all of the gains would be native you?re able to set up your own variables for you to quickly unique mileage distance from Denver to assure this valuable.

Time is definitely critical in the commercial entire world, consequently saving time at looking around to assure an improved end product is the central aspect to consider.

Advantage is the key this particular circumstance. Becoming successful in the modern world methods an over the internet occurrence. Your organization still can?t manage to undervalue this valuable, or just get by with a elementary placeholder web site. If you denver web design product you are going to without a doubt aid any nearby current economic climate, and most spaces could utilize all the exact help he or she can have all the get within the economic depression. One more usually native progression suppliers will currently have better deals. In conclusion, progressing native is preferable since you are supporting a few other small, local company marketing, as an alternative to domestic conglomerates.

Then again, you want to push immediately. Each minimal which subsides free of which over the internet occurrence delivers a prospective forfeited individual and additionally forfeited income to your account.

an additional search engine website, and you could guarantee that the actual outcome that you?re given are common for your own location. If you should run a instant Internet search designed for web site developers, currency trading there are millions of gains. While wearing different options is perhaps critical, many selections will cause indecision, much more investigation and additionally significant head aches.

Precisely how, while. About the most critical great of one?s kind of service is that you simply have the opportunity to chose the firms that you will want efficiently.

Then again, when using a new Denver designer service, you?re able to ensure that the gains you unearth will be for your own location only. Given that the service product will undoubtedly directory translates to town and additionally area, you can find all the product that suits your preferences very best much more promptly as opposed to for those who put into use standard search engine website. Then again, even most innovative option on this kind of service is that you can the truth is include a thought designed for product, as an alternative to making contact with each one firm individually.

Organizations matters is vital in your general financial success, on top of that. At this time, the majority of web development suppliers are experts in unique spaces. Such as instead of full web design denver many companies select Live journal online websites right now. Only some design suppliers use Live journal, possibly. It is important the fact that the firm you decided on has the capacity to publish astigmatism as well as to develop utilizing precise usefulness, offers and additionally design features.

As soon as website is done, it?s not necessarily the end of the marriage while using designer. Indeed, you want to guarantee that this company you decided on have the opportunity to show you how to when it comes time to nurture your web site; extra features, completely new information, completely new design features all of them will need the aid of an online site design firm that is experienced with your commercial infrastructure.

A productive web site means that you can signal really important small business from critical people, without getting within individual. There are a lot Denver web computer programmers so when planning an online site, recruiting a very good Denver web developers and additionally designer, is vital in enabling your online business showed.

You must guarantee that all the Denver web computer programmers you?ve gotten retained will be effective ample to regulate all the web quite happy with well timed changes.

Attributed the research to evaluate regardless if your website designer is certainly one concerning economical Denver web computer programmers who can cope with internet based upon small business occurrence. Web marketing and additionally web design work together. The actual web lets the world to learn more about a goods and services through selling ads online.

Seeing that a good web design is necessary for a web site which should pull in users, it certainly is not a great idea steer clear of customizing your online business when functioning over the internet.

The text you will current against your web page is often very very helpful, yet the web design problems as often. Buyers first encounter how your small business expertise will be provided. By using really advanced gear, planning all to easy to get around online websites, having n accessible pages and posts and additionally don?t forget the fact that the small business need to be touted, Denver web design produces everything that your visitors look for.

Do you think about why. Could easily them had been all the web design. The brands never have light from your very own memory. We were looking at all to easy to space, to date they didn?t take the time you will.

This website couldn?t know them, yet the people that was successful web marketing were familiar with. Denver web design should build your small business function without treatment. This is where affiliate marketing enters the picture. You will find a great deal of concerns you are going to think about nevertheless naples web design may be the alternative for individuals. If you would like Search engine marketing, marketing and advertising, backlink relief, banners, internet marketing, native promotional shortly believed traffic , then you?ve got affiliate marketing.

Which means you chosen to utilize Denver web design and additionally Denver affiliate marketing. Things starting with. Finding advised, not surprisingly.

Is that it trendy or just fashionable. If you are all the Denver web design firm you?re looking at offers talented folks, after that you can use individuals free of fears. The same goes for that Denver affiliate marketing agencies. You?re certain quite as good as any individual the method that you would like business to develop, yet the Net is filled evidence that you need a new Denver affiliate marketing plan.

Just about all webpages will be back to the inside dealing with some; that they take a look at all the products/services the fact that the small business works plus the small business themselves. Back again web sites will be in house concentrated, in place of finding out how to generate a lead or just make a sale. Special result promotional is usually a sort of promotional while the online marketer promises to come up with a unique, quantifiable move.

The different options are 10,000 pounds promptly in a pamphlet web site along with nothing revenue. Before you?ll make a website or just overhaul providing web site, take into consideration what you desire related the blog.

Source: http://www.literaryinformatics.net/?p=360

the flintstones etta james ufc on fox evans vs davis oscar nominations 2012 fast times at ridgemont high fast times at ridgemont high

Ernst's Economy for you: Dark clouds ahead for Commercial and ...

Ernst?s Economy for you: Dark clouds ahead for Commercial and Residential Real Estate (CRE RRE) in The Netherlands. Whole construction industry needs in fact a restructuring.

Posted by admin on February 23rd, 2012

Continue working Saturday, My father left for Could be superb Home market In My niece And as a result children, Equipment Continually annoyed By a undeniable fact that Some formerly empty Storing space During my home Almere (The Netherlands), are Improved Make certain With the help of Up to date real estate (CRE) Moreover a combination Involved with CRE And also Housing Specification of real estate. Playgrounds Furthermore Parks a large amount Probably are chock-full It has array A variety of unattractive office/apartment buildings, In which it apparently Reason behind death . are required for. And in many cases Around Similar sites And also villages Our Making madness Designed for CRE And therefore RRE doesn

Random Posts

You can leave a response, or trackback from your own site.

Source: http://www.bluehostreviewcoupon.com/ernsts-economy-for-you-dark-clouds-ahead-for-commercial-and-residential-real-estate-cre-rre-in-the-netherlands-whole-construction-industry-needs-in-fact-a-restructuring.html

san onofre paula deen birth control recall the jerk nick carter leslie carter aaron carter sister

Joomla Web Development

Published by witter | February 23, 2012 | | 1

Joomla web development companies are point of discussion now days. Lots of feature allows users to make the use of technology with ease and extensibility. Joomla, the unwrap solution which permit free hand use to anyone. Joomla Web development companies have come up with the powerful solution to make innovative websites for their clients. Introducing new designing ideas through the use of Joomla offers ?user friendly? websites to search engines and visitors as well.

Numbers of highly extensible extensions are available in Joomla index under GPL license. For exclusive and user friendly website design you can take a help from Joomla Web Development Companies. For effective use of tools of Joomla they are having professional teams of designers for the utilization of those tools. Artistic web design can represents nutshell of your alliance.

Through the use of this technology Joomla Web Development companies can create intranets & extra nets for corporate use, portals for commercial, online publications, online media; Government applications, different NGO sites, educational and religious online institutions, personal web-pages and lot more.

There might be a thought of content and other associated things.

Joomla is having answer of this thought also. Well this technology can take of simple add text, books, AV tracks and much more? Easy of Joomla technology prevailed every sector of designing. Sectors like e-commerce, web designing companies, and individual developers have adopted this technology and making great use of it for innovative websites creation. For the better use of Joomla Web Development, companies have minimized its instruction. Joomla is actually friendly tool of web development.

Source: http://www.1directory.net/internet-and-businesses-online/joomla-web-development-7483.html

ted nugent dash diet how to make moonshine joel osteen emmy rossum moonshine jay z and beyonce

Thailand: Analysis of the General Insurance Industry | Latest Market ...

Act Now

To Book This Report Call US : USA-CANADA Toll Free: +1-866-997-948 or +1-518-618-1030

Email: sales@latestmarketreports.com

Thailand: Analysis of the General Insurance Industry

Insurance Market Thailand

Despite the political unrest in May 2010 that affected the social and economic conditions of Thai economy, the general insurance industry witnessed significant growth in direct premiums at the end of 2010. Growth of the general insurance industry could be attributed to continuous support and promotion to the business and industrial sectors by Thai Government. Marine and transport insurance segment registered healthy growth in 2010 which indicates that exporters and importers are buying insurance coverage from local insurers. Motor insurance is the largest segment in non-life insurance industry and has grown on the back of compulsory motor insurance and increasing car sales.

The non-life segment is highly fragmented with the presence of a number of players. The top five non life companies constitute about 40.5% of the total market share in 2010. In 2010, many new channels of distribution were introduced such as direct marketing, tele-marketing, convenient store or pay-point service. All general insurance companies increased their advertisement and public relations efforts and developed new products for all groups of customers. Several local Thai insurers have also established affiliations with foreign insurers. Most of the rural regions in Thailand remain relatively untapped in terms of insurance penetration. This provides insurers with the opportunity to develop niche market products, such as micro-insurance and Takaful coverage options.

The present report gives an overview of the Thailand general (non-life) insurance market along with the analysis of Thailands economic growth. The report provides an insight into the market size and growth of non-life insurance premiums. Each segment of non-life insurance industry along with key statistics and ratios are discussed in detail. The competitive aspect of the market is also highlighted and the key players are profiled with their branding and pricing strategies. A special focus on direct marketing strategies of main P&C players is also discussed in the report.

Browse: China Market

Browse: Market Research Reports

Table of Content

1. Thailand: Country Overview
1.1 Background
1.2 Economy
1.3 Automobile Industry
1.4 Health & Pharmaceutical Industry
1.5 Tourism Industry

2. General Insurance Industry Scenario
2.1 Direct Premiums Written
2.2 Statistics of P&C Insurance Industry
2.3 Key Ratios of P&C Insurance Industry
2.4 P&C Insurance Industry by Line of Business
2.5 Key Statistics & Ratios by Line of Business
2.6 Commissions & Brokerages

3. Market Segment Analysis
3.1 Motor Insurance
3.2 Marine and Transport Insurance
3.3 Fire Insurance
3.4 Personal Accident Insurance

4. P&C Market Players
4.1 Viriyah Insurance
4.2 Dhipaya Insurance
4.3 Bangkok Insurance

5. P&C Market Players Focus on Direct Marketing
5.1. Falcon Insurance
5.2 Cigna Thailand
5.3 NZI Insurance

6. Mandatory Requirements General Insurers

List of Charts:
Thailand Economic Growth
Thailand: Automobile Sales (2002-2012F)
Thailand: Automobile Production (2002-2012F)
Thailand: Tourist Arrival (2005-2011F)
Direct Premiums Written of Non-Life Insurance Industry (2007-2010)
Key Statistics of General Insurance Industry in Thailand (2007-2010)
Key Ratios of Thailand Insurance Fund Business (2006-2010)
P&C Insurance Industry Line of Business (2010)
Key Statistics by Line of Business (2010)
Comparison of Number of Policies in Units by Segments: (2009 vs 2010)
Comparison of Sum Insured Of Non-Life Insurance Business: (2009 vs 2010)
Loss Ratios by Business Segments: (2007-2010)
Average Commission Rates (%) of P&C Industry in Thailand: (2007-2010)
Commission & Brokerages of P&C Insurance Companies by Line of Business: (2010)
Motor Insurance Direct Premiums (2007-2010)
Market Share of Direct Premiums of Thailand Motor Insurers (2010)
Marine & Transport Insurance Direct Premiums (2007-2010)
Market Share of Direct Premiums of Thailand Marine Insurers (2010)
Fire Insurance Direct Premiums (2007-2010)
Market Share of Direct Premiums of Thailand Fire Insurers (2010)
Personal Accident Insurance Direct Premiums (2007-2010)
Market Share of Direct Premiums of Thailand Personal Accident Insurers (2010)
Direct P&C Insurers Market Shares in Thailand (2010)
Comparison of Operating Results of P&C Players Thailand (2009)
Viriyah Insurance: Products & Services Offered
Viriyah Insurance: Direct Premiums from General Insurance in Thailand: (2007-2010)
Viriyah Insurance: Direct Premiums Generated from Line of Business in Thailand (2010)
Dhipaya Insurance: Products Offered
Dhipaya Insurance: Direct Premiums from General Insurance in Thailand: (2007-2010)
Dhipaya Insurance: Direct Premiums Generated from Line of Business in Thailand (2010)
Bangkok Insurance: Product Offered
Bangkok Insurance: Direct Premiums from General Insurance in Thailand: (2007-2010)
Bangkok Insurance: Direct Premiums Generated from Line of Business in Thailand (2010)
Summary of Performance of Falcon Insurance Co. Ltd: (2007-2009)
Summary of Performance of Cigna Thailand: (2007-2009)
NZI Insurance: Product Portfolio
NZI Distribution Model: Focus on Channels

Browse: Koncept Analytics Market

Browse: Insurance Market

Source: http://www.latestmarketreports.com/thailand-analysis-of-the-general-insurance-industry/

ifl jerome simpson indoor football league newt gingrich wife callista rick perry travis barker

Vivus asks U.S. experts to back its obesity drug (Reuters)

[unable to retrieve full-text content]Reuters - Proponents of a new obesity medication from Vivus Inc told U.S. reviewers on Wednesday that the drug's health benefits exceed heart and birth defect risks.

Source: http://us.rd.yahoo.com/dailynews/rss/health/*http%3A//news.yahoo.com/s/nm/20120222/hl_nm/us_fda_obesity_vivus

loma prieta loma prieta harold camping kim kardashian and kris humphries kim kardashian and kris humphries chris morris chris morris

How the poll was conducted (AP)

[unable to retrieve full-text content]AP - The Associated Press-GfK Poll on President Obama and the economy was conducted by GfK Roper Public Affairs & Corporate Communications from Feb. 16-20. It is based on landline and cellphone telephone interviews with a nationally representative random sample of 1,000 adults. Interviews were conducted with 700 respondents on landline telephones and 300 on cellular phones.

Source: http://us.rd.yahoo.com/dailynews/rss/obama/*http%3A//news.yahoo.com/s/ap/20120222/ap_on_el_pr/us_ap_poll_obama_method

apple ii pixar growing pains growing pains cupertino htc flyer review westboro

Difficult retail market needs innovative solutions ... - Business Matters

For those starting a new business or wishing to extend an existing venture, The ?Love Your Local Market? campaign is said to create a low-cost, low-risk way to test a new product.

The market stall initiative will run from Saturday 23 June until Sunday 8 July and is the first official response to the Portas Review ? an independent review of the English high street undertaken by Mary Portas, a leading marketing consultant appointed by the Prime Minister.

Ms Portas called for a?new ?National Market Day? to promote markets and allow budding shopkeepers to try their hand at operating a low-cost retail business. The review also urged unnecessary regulations to be removed to make it easier for people to become market traders unless there is a valid reason why not.

Clive Lewis, the Institute of Chartered Accountants in England & Wales? Head of Enterprise, explains: ?Market trading allows entrepreneurs to be flexible and take their trade to customers without being tied into expensive long-term property leases. It is a great way for traders to test their offering in a low cost, risk-free environment.

?The old model of starting in retail with an immediate commitment to a shop in a town centre has been challenged by on-line and out-of-town shopping. New retailers have to be convinced that there is a sufficient demand for their product before committing to a shop lease?.

The ?Love Your Local Market? scheme provides a great platform to get a new business idea off the ground without incorporating unnecessary costs. Traders will get to interact with the public and fellow traders and build a good network of customers, colleagues and a great sense of community.

Lewis adds: ?The scheme gives budding retailers the opportunity and space to develop and flourish in a friendly, relaxed environment. Market stalls, such as Christmas markets, have always succeeded in bringing people together to sell, share and socialise and?are a fantastic testing ground for entrepreneurs introducing a new product.?

Source: http://www.bmmagazine.co.uk/news/4537/difficult-retail-market-needs-innovative-solutions-to-help-it-recover/

dancing with the stars 2011 christmas island antonio gates antonio gates challah oxford comma oxford comma

Student loans are a ticking 'debt bomb'

It?s a vicious cycle. Many families in this country cannot afford the skyrocketing cost of higher education without student loans. But many graduates cannot find a job and cannot pay off the loans. As a result, they wind up in a much deeper hole (as the interest and collection fees accrue) with no way out.?

Student loan debt in the U.S. now totals more than $1 trillion. That?s more than all the outstanding credit card debt in the country.

A recent report by the National Association of Consumer Bankruptcy Attorneys found that both students and parents are borrowing at record rates.?

College seniors who graduated with student loans in 2010 owed an average of $25,250, up five percent from the previous year. Parents had an average of $34,000 in student loans for their children. The report says the number of these parental loans has jumped 75 percent since 2005-2006.?

?These are enormous numbers,? says Ike Shulman, a bankruptcy attorney in San Jose, Calif.? ?They?re basically setting us up for having a large number of fellow citizens become economically non-functional for the rest of their adult lives.??

Growing numbers of people are being crushed by this debt -- unable to pay and unable to get relief. A recent nationwide survey of bankruptcy attorneys by NACBA found that most (81 percent) had seen a spike in the number of people with student loan debt looking for help. But in most cases, there is nothing a lawyer can do.?

Current law makes it almost impossible to discharge student loan debt through bankruptcy. And unlike other unsecured debt, there is no statute of limitations on student loans. Lenders can pursue borrowers to the grave.?

?It?s not fair and it needs to be corrected,? says NACBA president William Brewer. ?It is a debt bomb that could cripple our society.??

The association?s report says the country faces a serious economic threat from this growing mountain of student debt, one that could be every bit as devastating as the mortgage meltdown.?

?This will be a drag on the economy for the foreseeable future,? warns John Roa, an attorney with the National Consumer Law Center and NACBA?s vice president.?

It?s a problem for students and parents who co-signed loans
Dave Ingham, a disabled Vietnam veteran who lives in Minneapolis, fears he could lose his savings and his house because he co-signed student loans -- now in default -- for his son. Ingham is being sued by collectors.?

His son Shannon has been unable to find work since October 2009. He?s now been diagnosed with acute anxiety disorder and depression. He?s still looking for work, but his father says the loan defaults keep him from getting hired.?

?It seems that whenever he comes close to a job interview, they run a credit check, see his loan defaults and the interview does not proceed,? Ingham said at a recent telephone news conference arranged by NACBA.??

Can something be done?
With student loans backed by the federal government, someone in trouble can try to get the payments deferred or modified. There are even loan forgiveness programs.? With private loans, it?s pay or end up in default.?

The National Association of Consumer Bankruptcy Attorneys wants a ?safety net? under student loans, just as there is for other consumer lending.?

If you start a business that fails, they point out, you can file for bankruptcy and go on with your life. But college students -- or their parents -- don?t have the same protection.?

?We need to make some common sense reforms, something like creating an escape valve to relieve some of the pressure before the whole thing blows sky high,? says NACBA vice president John Roa. ?There?s no way to diffuse this bomb if the status quo remains the same.??

NACBA wants Congress to roll back the bankruptcy code to 1978, when borrowers who couldn?t pay off their student loans (private or government-guaranteed) could discharge that debt in bankruptcy.?

Rep. Steve Cohen, (D-Tennessee), has introduced a bill, H.R. 2028: Private Student Loan Bankruptcy Fairness Act, which would treat private student loan debt the same as other consumer debt.?

Congressman Cohen says his bill would ?restore fair treatment to Americans in severe financial distress? and give ?an honest but unfortunate debtor a chance for a financial fresh start.??

The bill is supported by the American Association of Community Colleges, the American Association of State Colleges and Universities, the American Council on Education and the American Federation of Teachers, as well as various consumer groups.?

The idea of making it easier to discharge student loan debt via bankruptcy will not sit well with those who backed bankruptcy reforms passed in 2005. Clearly, getting the law changed is a long-shot.?

Dave Ingham says he doesn?t know how to solve the current situation. But he believes something should be done before others face the same financial ruin he does.?

?It?s something that?s really out of control,? Ingham says. ?There are thousands and thousands of us out there who need help with this situation. Please do not give up on us.??

Read:? NACBA report and member survey on student loan debt??

Find helpful information at: StudentLoanBorrowAssistance.org?

Are you struggling with student debt? Share your thoughts on Facebook.

?

Source: http://bottomline.msnbc.msn.com/_news/2012/02/22/10469504-mounting-student-loans-a-debt-bomb-waiting-to-explode

beyonce and jay z baby dad shoots daughters laptop tom brady sister brandon jennings channing tatum chicago weather north korea

#SciAmBlogs Tuesday - big brains, caveman's yeast, social drinking, oil subsidies, and more.

By Bora Zivkovic?| February 21, 2012 |??

Share ?Email ?Print

---

Bora Zivkovic is the Blog Editor at Scientific American, chronobiologist, biology teacher, organizer of ScienceOnline conferences and editor of Open Laboratory anthologies of best science writing on the Web. Follow on Twitter @boraz.

More??

Bora Zivkovic is the Blog Editor at Scientific American, chronobiologist, biology teacher, organizer of ScienceOnline conferences and editor of Open Laboratory anthologies of best science writing on the Web. Follow on Twitter @boraz.

More??

#SciAmBlogs Tuesday ? big brains, caveman?s yeast, social drinking, oil subsidies, and more.

About the Author: Bora Zivkovic is the Blog Editor at Scientific American, chronobiologist, biology teacher, organizer of ScienceOnline conferences and editor of Open Laboratory anthologies of best science writing on the Web. Follow on Twitter @boraz.

More??

The views expressed are those of the author and are not necessarily those of Scientific American.

Source: http://rss.sciam.com/click.phdo?i=db8e8005517376bc54a923da76b24ec1

reno wildfire reno wildfire osu osu reno news syracuse shonn greene

Domestic Short Hair - Rex: 4 Years - Medium - Adult - Male - Cat ...

• Details forDomestic Short Hair - Rex: 4 Years - Medium - Adult - Male - Cat
• Price:Please Contact
• Address:17 Laurelwood Road, Sterling, MA 01564 (map)
• Date Posted:02/20/12
• Age:Adult
• Gender:Male
• Offered by:Shelter

Description Domestic Short Hair - Rex: 4 Years - Medium - Adult - Male - Cat

Please click here to check our website for updates as we update our pets & profiles multiple times daily. If the pet is NO LONGER on our site he/she has been adopted J Cat and Kitten adoption fees: Kittens (8 weeks-6 months) Adoption Fee $175 cash or $180.25 credit/debit Cats (6 months-12 months) Adoption Fee $150 cash or $154.50 credit/debit Cats (12+ months-5 years) Adoption Fee $100 cash or $103.00 credit/debit Cats (5+ years) Adoption Fee $75 cash or $77.25 credit/debit Seniors 4 Seniors No charge for adopters 55 years or older if they adopt cat 5+ years Please note: We DO NOT hold, take deposits or reserve ANY animals for ANY reason. We do NOT allow gift adoptions or surprise adoptions we highly advise ALL children BE present when adopting a pet from our shelter especially children under 10 years old and/or children that have never lived with or been exposed at any length to pets. This is for the safety of our pets and your children. Click here to make sure you have everything necessary prior to adoption or visiting. Payment accepted: Visa, MasterCard, Discover, ATM/debit cards. We DO NOT take checks or American Express. All cat and kitten adoption fees include: 30 days of FREE pet health insurance - you MUST provide a valid email address to receive and be eligible for the pet insurance. FREE post adoption check with a VCA Animal Hospital valued at ($40-$65) Pet is already spayed or neutered PRIOR to adoption Pet has been tested NEGATIVE for Feline Leukemia AND Feline AIDS Pets receive a physical exam by our staff veterinarian Pet has a fecal test and is de-wormed Pet is given flea/tick/ preventative Pet receives all vaccinations for their age Cardboard cat carrier FREE bag of Hill's Science Diet food which is what they are eating at the shelter Please understand - We don't always know what the breed of the pet is (its an educated guess based on what they LOOK like) Because the majority of our pets are rescued we cannot and will not guarantee the size / specific date birth/ breed or temperament which is WHY we recommend the entire family (and any family dog visit together to make sure that any potential adoptee meets your family criteria). The shelter also offers cat and kitten starter kits for one stop shopping: We offer all sorts of toys/treats and kits. Package A $30 for cats or kittens and includes: Litter box set (includes 2 bowls, scooper, plastic pan liners) 6 toys from the Kitty Play Station tower Small fleece plush bed (top left on bed rack) Package B $50 for cats or kittens and includes: Litter box set (includes 2 bowls, scooper, plastic pan liners) 6 toys from the Kitty Play Station tower Small fleece plush bed (top left on bed rack) AND Your choice of scratching post (ask staff we have various options and colors/sizes to choose from) Please click here to check our website for updates as we update our pets & profiles multiple times daily. If the pet is NO LONGER on our site he/she has been adopted ?

CHARACTERISTICS:
Breed: Domestic Short Hair
Age: Adult
Size: Medium
Gender: Male
Offered by: Shelter
Petfinder ID: 22268664

ADDITIONAL INFO:
Pet has been spayed/neutered

CONTACT:
Animal Shelter Inc. | Sterling, MA | 978-422-8585

For additional information, reply to this ad or see: http://www.petfinder.com/petnote/displaypet.cgi?petid=22268664

Brought to you by Petfinder.com

Ad ID: 17140727

Source: http://worcester.ebayclassifieds.com/cats-kittens/sterling/domestic-short-hair-rex-4-years-medium-adult-male-cat/?ad=17140727

papa johns guacamole recipe jason wu for target buffalo wings underwood superbowl kick off time 2012 new york giants