Wednesday, 22 August 2012

Presentation: What Happens to Small Businesses When Walmart ...

Featured Article, Resource filed under Broadband | Written by Lisa Gonzalez | | Updated on Jun 19, 2012 The content that follows was originally published on the Institute for Local Self-Reliance website at http://www.ilsr.org/podcast-series-community-broadband-networks/

MuniNetworks.org just launched its new podcast series ? Community Broadband Bits. Listeners can use smartphones, iPods, computers, the web, etc. to hear the recurring audio program. Each podcast will be 10-15 minute interviews with people doing interesting things to encourage community broadband networks. To subscribe with iTunes, click here. If you simply want the audio? Continue?reading

Source: http://www.ilsr.org/what-happen/

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Paltrow, Roberts, Swift set for cancer telethon

LOS ANGELES (AP) ? An A-list cast of celebrities is joining a telethon to raise money and awareness to fight cancer.

Gwyneth Paltrow, Julia Roberts, Matt Damon, Samuel L. Jackson and Emma Stone are among the stars participating in the third Stand Up to Cancer telethon, the organization announced Wednesday.

Paltrow also is an executive producer for the fundraiser that will be carried commercial-free from 8-9 p.m. EDT Sept. 7 on the four major broadcast networks, ABC, CBS, Fox and NBC, and more than a dozen cable channels.

Musical performances by Taylor Swift, Coldplay, Alicia Keys and Tim McGraw are planned, and more than 25 movie, TV and sports stars will be on hand to take phone pledges, said executive producer Joel Gallen.

Laura Ziskin, founder of Stand Up to Cancer and producer of its first two telethons in 2008 and 2010, lost her seven-year fight against breast cancer last year. The "Spider-Man" movie producer was 61.

Ziskin represents "tremendous shoes to fill," Gallen said. "I can't really replace Laura, but I'm coming from a different point of view, from a respectful point of view, and continuing the mission she was on."

Hope is the theme for this year's telethon, Gallen said. It will include information on how to prevent cancer and on the treatment research funded by Stand Up to Cancer, also known as SU2C.

The experiences of several patients who are part of Stand Up to Cancer trials will be explored in mini-documentaries that show the progress made in just a few years of effort, Gallen said.

The organization said it has awarded about $120 million in grant commitments to multidisciplinary research "Dream Teams" and to scientists seeking innovative approaches to end cancer's role as the world's leading cause of death.

Of the $180 million-plus that has been pledged, some larger donations are being made over a period of several years, a spokeswoman said.

Katie Couric, who joined with Ziskin and other women in the entertainment industry to found Stand Up to Cancer, will appear in the telethon. Others taking part include Jessica Biel, Jeremy Renner, Seth Rogan, Masi Oka, Simon Baker and Rashida Jones.

Couric lost her husband to colon cancer, while Paltrow's late father, director Bruce Paltrow, had oral cancer. Some participants, such as Michael Douglas, have fought the disease themselves.

Cable channels carrying the telethon are BIO, Encore, HBO, Showtime, HBO Latino, ION Television, LMN, Logo, MLB Network, mun2, Palladia, Starz, TBS, Smithsonian and VH1.

Stand Up To Cancer, which also receives corporate donations, is a program of the Entertainment Industry Foundation, a philanthropic arm of the TV and movie industries.

The American Association for Cancer Research is the scientific partner of Stand Up To Cancer and conducts scientific oversight of its research projects in conjunction with the SU2C advisory committee.

Source: http://news.yahoo.com/paltrow-roberts-swift-set-cancer-telethon-095516453.html

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Stone Paving For a Remarkable-Looking Home - IdeaMarketers.com











The rough and earthy appeal of stone paving is very charming, which accounts for its popularity among homeowners and designers of commercial buildings. Whether stone paving is done for patios, driveways and walkways, it transforms an environment giving it not only beauty but also a lot of warmth and character.

What Are The Materials Used For Stone Paving?

Are up for a do-it-yourself stone paving at home? Before you begin, consider the following materials: sandstone, slate and bluestone. These are some of the most commonly used materials for stone paving each with their own strengths and weaknesses.

Sandstone for example is durable and tough against harsh environments but it is not exactly the most water-resistant material. Good and occassional sealing of the stone paving is necessary. Slate meanwhile is a great building material but it is rather costly. Bluestone is very hardwearing but unfortunately it is also porous. This type of stone also requires sealing.

Do plenty of research about all your options for stone paving materials before making a decision and making that bulk purchase from trusted natural stone supplier.

Can You Do Stone Paving Yourself?

Are you excited about beginning your home improvement project and considering doing it yourself? Be warned though that while DYI is possible, it is a tremendous challenge. You might be going over online instructions and DYI videos thinking that the task seems quite simple enough but the truth is Stone Paving requires imagination, meticulousness and a lot of hard manual labor.

Creativity and imagination are important. Stone paving can be beautifully designed with a mix of materials but it is also easy to go wrong. So many homeowners have dabbled with designing mosaic-like stone paving only to find that it doesn't quite look how they imagined it.

Meticulousness is also integral to the Natural stone paving task. The area should be properly measured, marked and leveled. The edges should be neatly done with the rest of the tiles correctly centered. Those with professional experience and a lot of practice make home improvement projects like this seem easy but the truth is laying the tiles on sand is very tiring and requires a great deal of care.

Do- it yourself stone paving is not impossible but getting professional help from a contractor or hardscaping expert is still best.

Stone paving, how ever you choose to do it, boast of many advantages though. Stone is durable, great for the outdoors and --if done right--very beautiful.

Stone Seller offers massive savings on a wide range of top brands of garden landscaping products , including Garden Paving , Stone Pavers , Natural Stone Paving , Paving Block , Stone Pavers , Concrete Paving , Paving Slabs and other associated landscaping materials that we can deliver direct to your door www.stoneseller.co.uk

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Source: http://www.ideamarketers.com/?articleid=3494706

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Tuesday, 21 August 2012

Are We Going to Lease Everything by 2020? | Wall Street Oasis

Today you woke up in your rented apartment and got to work in your rental car (hopefully provided by your company). You probably entered a rented office where "rented" part-time contractors welcomed you. If you go on holidays the plane you're flying in is probably a rental too because airlines don't bother with owning their own aircrafts any more.

You can rent anything, a TV, a computer, you name it. But can we go even further? Think about renting those 4 things:

  • Your Dog: Yes the dog. Why not? Let's say your daughter desperately wants one but you know you'll end up taking care of the dog. Well you just have to rent a dog for 6 months with a buy option. And if one day you are tired of it you don't have to pretend that you sent him out in the country side, you just brought him back to the shop.
  • Your Diploma: This one I've not figured out yet. But I think there's a market for people who want to try a field for one year or two and can't be bothered to get a full diploma for that. Can you just study some of the modules that give you access to the renting with a full support staff helping you on a daily basis? I don't know but if you have a business plan let's launch a start-up
  • Your CFO: This one already exists for small companies. Instead of paying for a full time rubbish CFO, you "rent" a top of the range CFO for 8 hours a week. It's probably a better option for a start-up and it's definitely going to get bigger in the next few years

So what do you think guys? Are we going to rent friends soon?

  • Founder of Finance Resume
  • Associate Editor at Mergers & Inquisitions
  • @AusartThomas

Source: http://www.wallstreetoasis.com/blog/are-we-going-to-lease-everything-by-2020

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Monday, 20 August 2012

Walmart brings layaway back early, tweaks fees

(Reuters) - Walmart is bringing back layaway a month early, giving U.S. shoppers under economic pressure more time to pay for holiday gifts, and will refund related fees with gift cards once payments are completed.

Layaway, which allows a customer to keep a product on hold at the store and pay for it over time, helped boost holiday sales for Walmart when it brought the service back in 2011 after a five-year hiatus.

Offering layaway helps retailers such as Wal-Mart Stores Inc win over shoppers without access to credit. Walmart U.S., Wal-Mart's largest unit, also offers check cashing and other services as it tries to appeal to shoppers without bank accounts.

Walmart's holiday layaway service will begin on September 16, it said on Monday. Last year it began on October 17.

"The customer was saying if they had two more pay cycles that really would be helpful for them," said Walmart U.S. Chief Merchandising and Marketing Officer Duncan Mac Naughton.

The longer layaway plan comes after Wal-Mart said it saw more incidents of consumers living paycheck-to-paycheck during the latest quarter.

Extending the program could drive traffic and sales, if shoppers who come back to make payments more frequently buy other items during those visits.

In the past, Walmart has said about 85 percent of transactions in its stores are paid for with cash. Earlier this year it began allowing shoppers to place orders online and pay for them in a store with cash.

For now, layaway will remain an in-store service only and will be offered only for the holiday season, Mac Naughton said.

Still, the company is making a limited social media push. Customers who "like" their local Walmart store on Facebook can use layaway two days early, on Friday, September 14.

Under this year's plan, customers must pay a $15 fee to open a layaway account, and will receive a $15 Walmart gift card if they complete their payments by December 14.

Last year, customers had to pay a $5 fee, there was a $10 cancellation fee, and those who paid in full did not receive any gift card refund. This year's plan has no cancellation fee.

The downpayment of 10 percent or $10, whichever is greater, stays the same. Customers must still spend at least $50 to sign up for layaway, and each item must be priced at $15 or more.

Millions of customers used the service last year and "a distinct majority" of those made their full payments, Mac Naughton said, without disclosing specific figures.

Walmart said it would try to make the process easier for customers this year. After signing up at the service desk, customers at some of the 3,678 stores offering layaway can make payments at cash registers rather than having to go back to the service desk. Walmart will also try to coordinate with shoppers through email or phone calls to set up times to pick up merchandise.

Walmart expanded the variety of products available for layaway, adding small appliances and certain sporting goods to the lineup of toys, electronics and jewelry. Walmart continues to have layaway for jewelry year-round.

Other chains that offer layaway include Sears Holding Corp's Kmart and Toys R Us.

Wal-Mart shares were up 0.4 percent at $72.29 on Monday morning on the New York Stock Exchange.

(Reporting by Jessica Wohl in Chicago; editing by John Wallace and Matthew Lewis)

Source: http://news.yahoo.com/walmart-brings-layaway-back-early-tweaks-fees-adds-124602757--finance.html

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ICC rejects Gbagbo jurisdiction challenge

THE HAGUE, Netherlands (AP) ? International Criminal Court judges have rejected arguments by former Ivory Coast President Laurent Gbagbo that they lack the jurisdiction to try him on charges of crimes against humanity.

The charges against Gbagbo stem in part from murder and rape allegedly committed by his supporters in 2010 as he tried to cling to power following disputed elections. Gbagbo insists he is innocent.

He argued that the court has no jurisdiction because he was mistreated during months of detention in Ivory Coast.

He also insisted that letters by his successor, Alassane Ouattara, recognizing the court's jurisdiction had no legal value.

Judges rejected his claims last Wednesday and the decision was publicized Monday by the Coalition for the International Criminal Court that supports the tribunal's work.

Gbagbo was extradited to the court in November. A hearing that could determine if the case merits trial was postponed earlier this month because Gbagbo was ill.

Source: http://news.yahoo.com/icc-rejects-gbagbo-jurisdiction-challenge-164207956.html

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Book Review: Toy Soldiers (Jamaica)

SYNOPSIS:
Stephen Thompson's brave story centres on the plight of Gabriel Powers, a man who finds himself in a hostel for addicts after the most frightening flight from Hackney and the world of crime he grew up in. For Gabriel to come to terms with his addiction, he must first confront his demons, and although his hostel worker and lover Marcia is there to help him, the journey to back to the wastelands of West London is harrowingly and brilliantly recreated. Painful, acutely honest and based on the author's own experiences, Toy Soldiers is a fine and brave debut by a brilliant new voice.

REVIEWS:

?Accessibly psychological, gripping and just on the right side of confrontational? i-D

?Beautifully written, painfully honest and deeply affecting? Hanif Kureishi

?Sensitive, subtle and fascinating? The Times

?A compelling urban tale, gritty yet filled with inspired prose and characters you can reach out and touch? Courttia Newland

?A gem of a book that all too many can relate to? Pride

AUTHOR BIOGRAPHY:
Stephen Thompson was born in London but grew up in Jamaica. He now divides his time between Paris and London. As well novels, he also writes screenplays and stage plays and is a literary critic and magazine editor.

BUY THE BOOK:
Buy Toy Soldiers on Amazon.com
?

Source: http://www.jamaicans.com/articles/bookreviews/bookreviewtoysoldiers.shtml

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Sunday, 19 August 2012

Personal Training Course | The Fitness Academy

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Start a new and exciting career with Patrick O Hanlon and?The Fitness Academy. Become a Internationally Qualified?Personal Trainer?with our?Advanced Personal Training course starting 22nd September. The Fitness Industry is still booming in Ireland and across the world, so why not get a piece of the action and start your new career today. The?personal training?course is run over?1 weekend a month for 5 months. Get the best tuition and practical demonstrations from Patrick O Hanlon and his highly skilled and qualified staff at The Fitness Academy.Contact us today?for more information.

Click here to learn more about the?personal trainer?course

I am a health and fitness professional with over 15 years experience of designing and delivering International Health & Fitness education programs. This entry was posted in Fitness. Bookmark the permalink.

Source: http://thefitnessacademy.wordpress.com/2012/08/19/personal-training-course/

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Back to the Future (1985) BRRip Android Phones 480x320-StoneBoyTony


Back to the Future (1985) BRRip Android Phones 480x320-StoneBoyTony Back to the Future (1985) BRRip Android Phones 480x320-StoneBoyTony [CENTER] Back to the Future (1985) BRRip Android Phones 480x320-StoneBoyTony IMDB info Language: English 116 Min | 480 x 272 | x264 - 1 789 Kbps | 23.976fps | ACC - 44.1KHz | 705 MB Genre: Adventure | Comedy | Sci-Fi In 1985, Doc Brown invents time travel; in 1955, Marty McFly accidentally prevents his parents from meeting, putting his own existence at stake.

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Source: http://www.rolclub.com/moviez/3465389-back-to-the-future-1985-brrip-android-phones-480x320-stoneboytony-new-post.html

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Saturday, 18 August 2012

Twins Talk: Blackburn is the worst starter in baseball

Baseball Primer Newsblog
??The Best News Links from the Baseball Newsstand

Twins Talk: Blackburn is the worst starter in baseball

The Blackburn riot of 2012 has started! More here.

I take no joy in saying this, but Blackburn is the worst starting pitcher in baseball. He entered Friday with a 7.33 ERA. In 93.1 innings, he?d allowed 132 hits and struck out only 41. The league is batting .334 against him.

Normally a guy who gives up more than seven runs every nine innings isn?t given more than five or six chances to start, but Blackie was making his 19th start Friday, and his struggles are a continuation from last year.

Obviously the Twins keep sending Blackburn out there because they?re paying him a lot of money (they signed him to a multi-year contract following the 2009 season after he?d allowed a league-high 240 hits while striking out only 98 batters in 206 innings).

But it?s time to end this. Blackburn will never be a useful starting pitcher again. If the Twins don?t want to cut him and eat his contract, then stick him in the back of the bullpen and hope he might be a halfway decent mop-up man.

And don?t ever again give a multi-year contract to one of the most hittable pitchers in the game.

Repoz Posted: August 18, 2012 at 07:48 AM | 0 comment(s) Login to Bookmark
??Tags: twins

Source: http://www.baseballthinkfactory.org/newsstand/discussion/twins_talk_blackburn_is_the_worst_starter_in_baseball

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Stocks up slightly on strong retail results

by Joshua Freed - Dec. 31, 1969 05:00 PM
Associated Press

NEW YORK - Some positive news from retailers boosted stocks just a little.

The Dow Jones industrial average rose 25.09 points, or 0.2 percent, to 13,275.20. The Standard & Poor's 500 index rose 2.65, or 0.2 percent, to 1,418.16. The Nasdaq rose 14.20 points, or 0.5 percent, to 3,076.59.

Investors liked what they heard from retailers, who reported strong second-quarter earnings - and positive outlooks. Retail stocks rose on positive earnings and outlooks from Gap Inc. and Ann Inc., the parent of retailer Ann Taylor.

Apple hit a new high, rising almost 2 percent to $648.11.

However, declines continued for Facebook and Groupon, the online coupon company.

Facebook hit $19, half the value of its initial public offering. It closed at $19.07. And Groupon, the online coupon company, lost another 5 percent to close at $4.75.

The biggest decliner was health care, down 0.7 percent as pharmaceutical companies declined. Pfizer fell 1 percent, and Merck dropped 1.7 percent.

Computer chip maker Marvell Technology Group Ltd. saw its stock drop 16 percent after a revenue decline sliced its quarterly net income by more than half. Its CEO cited a slowing economy for the trouble.

Global markets edged higher after German Chancellor Angela Merkel gave a new pledge of support for the euro. On Thursday she said that "we feel committed to do everything we can to maintain the common currency." Germany is Europe's economic powerhouse, so its support is critical to the euro's survival.

Source: http://www.azcentral.com/business/articles/2012/08/17/20120817stocks-up-slightly-strong-retail-results.html

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Overview Of Insurance : Travel Health Insurance | Insurance Center

8:11 am in Banking insurance by The Broker


Travel health insurance is great to have for a number of different situations. Find out about travel health insurance with help from an insurance professional in this free video clip. Expert: Carmen Lynch Contact: www.carmenlynch.com Bio: Carmen Lynch has worked in the insurance business for more than five years. She has also worked in both English and Spanish departments of investment banks. Filmmaker: Victor Varnado Series Description: Whether you?re looking for personal insurance, business insurance, health insurance or one of the many other types available, it is only natural to have a few questions with the process. Get answers to your insurance questions and learn a few new tips and tricks with help from an insurance professional in this free video series.

Source: http://www.insurance-center.org/business-insurance/banking-insurance/overview-of-insurance-travel-health-insurance/

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Friday, 17 August 2012

Clean Energy Stocks -News and Commentary in Cleantech - blog*spot

New York, New York - August 17, 2012 (Investorideas.com newswire, www.water-stocks.com)
Investorideas.com staff: Investorideas.com, an investor research portal
specializing in sector for independent investors reports on water
stocks trading for August 17th.
A report from the Civil Society Institute (http://www.CivilSocietyInstitute.org) just released found that ?concerns about drought go hand in hand with worries about water shortages and also how to avoid making them worse. Three out of four Americans ? including 61 percent of Republicans, 84 percent of Democrats and 80 percent of Independents -- think that "with all the current concern about severe drought and the risk of water shortages, America needs to start focusing more on alternative energy sources, such as wind and solar, that require less water." This view is shared consistently across nearly all drought-stricken states surveyed.?
As concerns mount several of the stocks are trading near or at 52 week highs.
Aqua America Inc. (NYSE:WTR) is trading up at $25.31, up 0.10 or 0.40% as of 11:39AM EDT on over 190,000 shares. The 52 week range for the stock is $20.16 - 26.93.
Mueller Water Products, Inc. (NYSE:MWA) is up 5.01%, trading at $4.19, gaining 0.20 as of 11:43AM EDT on 688,000 shares. The stock broke through its 52 week high today in trading.
Investorideas.com Newswire Water ETF PowerShares Water Resources (NYSEArca PHO) is trading up at 19.22, gaining 0.02 or 0.11% as of 11:26AM EDT. The 52 week range is 14.01 - 19.59.
Research water stocks with the water stocks directory at Investorideas.com
http://www.investorideas.com/Water-Stocks/Stock_List.asp
About InvestorIdeas.com:
InvestorIdeas.com is a leader in investor stock research by sector, featuring stock news, commentary and trading alerts in leading sectors including biotech, tech, mining, energy, water, renewable energy, beverage stocks and more .
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Full report on water shortages survey - http://www.investorideas.com/news/2012/water/08162.asp
Disclaimer/ Disclosure : The Investorideas.com is a third party publisher of news and research Our sites do not make recommendations, but offer information portals to research news, articles, stock lists and recent research. Nothing on our sites should be construed as an offer or solicitation to buy or sell products or securities. This site is currently compensated by featured companies, news submissions and online advertising.
BC Residents and Investor Disclaimer: Effective September 15 2008 - all BC investors should review all OTC and Pink sheet listed companies for adherence in new disclosure filings and filing appropriate documents with Sedar. Read for more info: http://www.bcsc.bc.ca/release.aspx?id=6894
800-665-0411 - Source - www.Investorideas.com

Source: http://cleanenergynews.blogspot.com/2012/08/water-stocks-sector-snapshot-mwa-pho-wtr.html

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2012 conventions embrace social media openness

CHARLOTTE, N.C. (AP) ? Democrats and Republicans are using social media to turn their national conventions away from the smoke-filled rooms of yore and into meetings where anyone who wants to get involved is just a click away, no matter where they are.

Both parties' ambitious plans reflect the maturation of social media sites that played a much smaller role in the conventions four years ago. The Republicans call theirs a "convention without walls," while the Democrats say their gathering will be "the most open and accessible in history."

Democrats will not just show prime-time speeches live on the Internet, but will also stream caucus meetings and the council discussions of the party's platform and ideals over the Web. Republicans have hired a full-time blogger and a full-time digital communications manager to do nothing but engage people online.

The conventions' Facebook and Twitter sites are already stoking interest in the events, with photos of the Republican stage under construction in Tampa or profiles of Democratic volunteers and delegates. Users can interact with a mouse click, such as one who urged friends to help the GOP convention Twitter feed muster more followers than its counterpart. Both had more than 10,000 followers Friday.

Social media was still in its infancy four years ago. The number of items posted on Twitter on Election Day 2008 is equal to about six minutes worth of tweets today, the social media company recently wrote on its blog.

The dramatic changes in social media have required both parties to almost start from scratch in developing strategies for incorporating Facebook, Twitter, YouTube, Instagram and Flickr into their conventions.

In 2008, Republicans hired a web vendor to handle all things Internet for their convention. Now, there's a dedicated social media team with its own "Social Media War Room" in the Tampa Convention Center. The party's biggest push through the Internet will come through videos on YouTube, Republican National Convention spokesman James Davis said.

"Our goal is to leverage these technologies, to reach every American, whether they are in Toledo, Ohio, the convention floor in Tampa or a forward operating base in Afghanistan," he said.

Democrats will have a similar setup at their convention Sept. 4-6 in Charlotte. (Republicans meet a week earlier in Tampa.)

"We're able to expand it even further and invite the whole country to participate in a more interactive way then you might traditionally experience by tuning into a television," said Nikki Sutton, director of digital media for the 2012 Democratic Convention.

And those planning protests are using the Internet to get organized, too. The March on Wall Street South, which plans to bring thousands to Charlotte to rally against big business and economic inequality, has a website, Facebook page and Twitter account.

Organizers hope to use the Web to direct people to sites in more than a dozen states where they can take buses to Charlotte to join in the various protests during the week.

Social media is allowing modern-day campaigns and political parties to get their messages out unfiltered. That's especially useful as broadcasters and newspapers have drastically reduced the amount of air time and space they devote to conventions.

Convention organizers will use social media to emphasize themes that might get lost in the traditional media's limited coverage, said David Kreiss, an assistant professor at the University of North Carolina at Chapel Hill journalism school who authored a book about the use of new media from former presidential candidate Howard Dean to President Barack Obama.

"There's just not a lot of convention coverage that is going to be offered by the major networks, and this becomes a way that individual figures' speeches get publicity," Kreiss said.

Social media is increasingly allowing parties to control their message ? and spreading those key messages through an online network of "friends" may allow them to create a sense of credibility, Kreiss said. It will be "viewed as more credible and more authentic" than less-personal media coverage.

The candidates' overall campaigns are also ratcheting up efforts to reach voters online. A report released Wednesday by the Pew Research Center found that President Barack Obama's campaign was more active than Republican Mitt Romney's on the digital front.

The group's Project for Excellent in Journalism analyzed both campaigns' efforts between June 4-17 and found Obama's team posted almost four times as much content during the period and maintained an active presence on almost twice as many platforms. But Romney's campaign said his Facebook page has more people who share or comment on his posts.

Of course, the only metric that matters will be votes in November, and both campaigns and their parties think social media will be critical to get their voters excited enough to go to the polls.

Democrats have already released a smartphone app that provides one place for videos, blog posts and photos. The app also includes an interactive map to help visitors to Charlotte find convention locations or restaurants.

Their convention Facebook site has been running posts spotlighting different delegates and volunteers from across the country for months. Its Flickr page included more than 150 photos from people who printed out a special "I'm There" logo and had their pictures made with it, promising to either be in Charlotte or to follow the convention online. One person holding up his sign on the site is Vice President Joe Biden.

On the GOP convention's Facebook page, a posting showed a picture of lighting rigs inside the Tampa Bay Times Forum and said: "The lights are on and we only have 17 more days to go! Are you ready to nominate the next President of the United States?? The entry had more than 360 "likes" and 400 comments on Wednesday afternoon.

The Democrats used Twitter to invite more than a dozen followers on a tour in July. They got to see Time-Warner Arena, where most of the convention is taking place the first week in September, and the city's football stadium, where Obama will give his acceptance speech.

For Rashon Carraway, the tour was a dream come true. He sells men's clothes online, but the political science major in college hasn't forgotten his first love.

"This was a great opportunity for me to get an up close and personal look at something I am passionate about, and I have always wanted to do," said Carraway.

He plans to attend as many convention events as he can ? using his cellphone to make online posts.

And it's just not the parties and protesters who have an interactive strategy.

Donna Chen, the director of marketing and communications for the Tampa Downtown Partnership said more than 15 tourism and convention groups are setting up their own "Social Media Command Center" for the convention.

Tampa Bay and Co., the area's tourism and marketing agency, is coordinating the effort. They'll use the hashtag "TampaBay" to curate the posts.

Chen said about 50 local experts will monitor and interact with people online. They will staff the center and answer questions about the area from people in town for the convention ? for instance, "where's a good Italian restaurant?" or "What's the closest beach to downtown Tampa?"

___

Follow Lush at http://twitter.com/tamaralush and Collins at http://twitter.com/JSCollinsAP

Source: http://news.yahoo.com/2012-conventions-embrace-social-media-openness-150152866.html

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Undoing Obama Medicare cuts may backfire on Romney

Secret Service agents stand guard as Republican presidential candidate, former Massachusetts Gov. Mitt Romney gets into his vehicle upon his arrival in Charlotte, N.C., Wednesday, Aug. 15, 2012. (AP Photo/Mary Altaffer)

Secret Service agents stand guard as Republican presidential candidate, former Massachusetts Gov. Mitt Romney gets into his vehicle upon his arrival in Charlotte, N.C., Wednesday, Aug. 15, 2012. (AP Photo/Mary Altaffer)

(AP) ? GOP presidential candidate Mitt Romney's new promise to restore the Medicare cuts made by President Barack Obama's health care overhaul law could backfire if he's elected.

The reason: Obama's cuts also extended the life of Medicare's giant trust fund, and by repealing them Romney would move the insolvency date of the program closer, toward the end of what would be his first term in office.

Instead of running out of money in 2024, Medicare says its trust fund for inpatient care would go broke in 2016 without the cuts. That could leave a President Romney little political breathing room to finalize his own Medicare plan.

The Romney campaign says there's no problem with the candidate's pledge.

"The idea that restoring funding to Medicare could somehow hasten its bankruptcy is on its face absurd," said spokeswoman Andrea Saul.

Campaign officials say arcane federal accounting rules create a false sense of security about Medicare. They allow savings like Obama's cuts to also count toward funding other programs or reducing the overall deficit.

"Gov. Romney's plan is to repeal Obamacare and replace it with patient-centered reforms that control cost throughout the health care system and extend the solvency of Medicare," Saul said. "He will then implement real entitlement reform that places Medicare on a sustainable long-term footing so that future generations of Americans will not have to worry whether the program will be there for them."

But Obama's cuts were not directly aimed at Medicare's 48 million beneficiaries; instead they affect hospitals, insurers, nursing homes, drug companies and other service providers. Simply undoing the cuts would restore higher payments to those service providers. And that would cause Medicare to spend money faster.

"The fact of the matter is, what Romney is proposing now is to roll all that back, which would mean that Medicare would reach insolvency eight years earlier, which would mean that seniors would lose benefits," David Axelrod, a senior political adviser to Obama, said Thursday on MSNBC's "Morning Joe."

Romney's running mate, Wisconsin Rep. Paul Ryan, kept the Obama cuts in his budget, which envisions greater savings by shifting future retirees into private insurance plans with a fixed payment from the government to help cover their premiums.

"If you are going to restore (Obama's cuts), then what it's going to do is complicate the financial condition of Medicare," said former U.S. Comptroller General David Walker, a fiscal conservative who says government health care programs are too costly.

"It's going to affect your long-term plan to reform Medicare and reduce the deficit and mounting debt burdens," said Walker, now heading the Comeback America Initiative, which promotes deficit reduction.

"If you are going to put that back, then how are you going to pay for it?" he asked.

Romney would "have to find other ways to get the cost down in the future," said economist Marilyn Moon, a former trustee overseeing Social Security and Medicare finances.

"These (Obama cuts) were all on service providers," said Moon, now director of the health program at the nonpartisan American Institutes for Research. Romney "would have three options: either cut it out of providers in a different way, ask beneficiaries to pay higher premiums in various ways, or raise taxes in order to pay for it."

Romney made his promise to restore the cuts on Tuesday at a campaign stop in Beallsville, Ohio.

Obama "has taken $716 billion out of the Medicare trust fund," Romney told supporters. "He's raided that trust fund.

"And you know what he did with it? He used it to pay for Obamacare, a risky, unproven, federal takeover of health care," Romney continued. "And if I'm president of the United States, we're putting the $716 billion back."

That figure reflects the latest estimates of Obama's health care law by the Congressional Budget Office, covering a 10-year period from 2013-2022. It's a relatively modest share of total Medicare spending, currently about a $600 billion-a-year program.

"People need to look at what these spending reductions are before they conclude that they are really eager to undo them," said Paul Van de Water, a senior budget analyst with the liberal Center on Budget and Policy Priorities. "Why should Medicare beneficiaries want to pay more to providers to provide the same benefits?"

Despite its long-term financial problems, Medicare has been fairly stable since the passage of Obama's health care law. Premiums have remained about the same, reflecting a national slowdown in medical inflation. However, the brunt of the spending cuts has yet to be felt. Medicare's own economic forecasters have warned the cuts may prove politically unsustainable.

Romney has not spelled out full details of his Medicare plan. But if it is based upon Ryan's, the budget office says it would rein in Medicare spending more forcefully than Obama has.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/89ae8247abe8493fae24405546e9a1aa/Article_2012-08-16-Romney-Medicare/id-d185ac88091348f3919393b50f75f567

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Thursday, 16 August 2012

Ryan denied stimulus while quietly seeking it

Republican vice presidential candidate, Rep. Paul Ryan, R-Wis. gestures during a campaign stop at Walsh University in North Canton, Ohio, Thursday, Aug. 16, 2012. (AP Photo/Tribune Review, Justin Merriman ) PITTSBURGH OUT

Republican vice presidential candidate, Rep. Paul Ryan, R-Wis. gestures during a campaign stop at Walsh University in North Canton, Ohio, Thursday, Aug. 16, 2012. (AP Photo/Tribune Review, Justin Merriman ) PITTSBURGH OUT

WASHINGTON (AP) ? Republican vice presidential candidate Paul Ryan on Thursday denied for a second time that he ever lobbied the government for stimulus money, even though he sent letters ?with his signature ? to the Energy Department and Labor Department asking for millions of the program's dollars on behalf of two companies in Wisconsin.

Ryan's new denial in an interview with Cincinnati's WCPO-TV contradicts letters that Ryan wrote in 2009 to Energy Secretary Steven Chu and Labor Secretary Hilda Solis seeking stimulus grant money for two Wisconsin energy conservation companies. One of them, the nonprofit Wisconsin Energy Conservation Corp., later received $20.3 million from the Energy Department to help homes and businesses improve energy efficiency, according to federal records.

The congressman's denial comes as new audio surfaced of Ryan telling Boston's WBZ Radio two years ago that he "did not ask for stimulus money," in response to a caller's question about the recovery program. "I'm not one who votes for something and then writes to the government to ask them to send us money," Ryan said. The exchange was first reported Thursday by The Boston Globe.

But a year earlier, Ryan asked Chu to set aside funds for the Wisconsin Energy Conservation Corp. Ryan said the stimulus cash would help his state create thousands of new jobs, save energy and reduce greenhouse gas emissions.

The apparent contradiction underscores Ryan's conflicts with his larger federal budget proposal as the House Budget Committee chairman. That plan would slash Energy Department programs aimed at creating green jobs and calls for "getting Washington out of the business of picking winners and losers in the economy ? and that includes our energy sector."

Ryan's actions in Congress have been drawing fresh scrutiny since he was named last weekend as Republican presidential candidate Mitt Romney's running mate.

Ryan's campaign spokesman, Brendan Buck, told The Associated Press earlier this week that the congressman's lobbying for the stimulus funds was part of a "a legitimate constituent service." But he did not immediately respond to questions seeking comment on either Ryan's denial Thursday or on the newly surfaced audio.

The vice presidential contender is not alone among Republicans who criticized the stimulus plan only to seek money later. Georgia's Republican senators, Saxby Chambliss and Johnny Isakson, for example, blasted the bill as a bloated government giveaway yet asked Defense Secretary Robert Gates to steer $50 million in stimulus money to a constituent's bio-energy project.

Ryan's views are also consistent with his running mate's long-held position that the stimulus was a flawed idea that did not create private sector jobs.

"That stimulus didn't work," Romney said at an Ohio speech in June. "That stimulus didn't put more private-sector people to work."

Yet in Ryan's letter to the Labor Department in October 2009, he backed the Energy Center of Wisconsin's grant application for stimulus money "to develop an industry-driven training and placement agenda that intends to place 1,000 workers in green jobs." The company did not win the Labor Department grant, federal records show.

___

Follow Jack Gillum on Twitter at http://twitter.com/jackgillum

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/89ae8247abe8493fae24405546e9a1aa/Article_2012-08-16-Ryan-Stimulus%20Spending/id-a4502d79138b49fe8c0b4587f2fb1244

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Rdio Amps Up To 18M Tracks With New CD Baby And TuneCore Deals. More Tracks Than Spotify?

rdioIf part of the game in streaming music is to have the biggest catalog of tracks, then today Rdio made a significant move to turn its volume up to Spotify levels, and gain some street cred with indie fans in the process: it announced two key deals with CD Baby and TuneCore, both independent music aggregators, that ramps up its total track number to 18 million songs, and adds some 250,000 new musicians into the catalog. The deal also will mean a much bigger route to getting music on to Rdio for unsigned artists, which will now be able to offer their tracks via Rdio in the U.S., Canada, Brazil, Germany, Australia, New Zealand, Spain, Portugal, Denmark, Great Britain, France, Sweden and Finland.

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

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What Everyone Investing In Stocks And Shares Should Know ?

Are you currently continuously planning on results in your assets but by no means see any? Everyone wants to buy the industry, nevertheless few know how to genuinely achieve success. Read through this article so you can collect recommendations on making the most money possible.
Do not allow your investing cause you to be way too emotional, or enable you to turn out to be obsessed. You must protect against oneself from looking at falling stock, wishing on a regular basis it would go up back. In no way place cash in to a dropping carry even though the prices are very low, its tendency demonstrates that it will most likely only reduce more. Keep the mind in the activity plus your heart again in the home.
Getting a break from shares and the marketplace is okay at times. Daily life could possibly get hard, or finances tight, and spending time off is alright in individuals circumstances. When you find yourself sick of the stock market, the chances which you is likely to make emotional, improperly-believed-out investments are much greater. Getting a bust may help safeguard your investments. When you?re ready to start once again, stocks and shares will probably be expecting you.
At times you have to supply the marketplace a relax. If other daily life activities are eating your concentration, getting a crack from investing could be the smartest action to take. Accomplishing this can keep you from generating emotionally charged trades, and yes it might just save a little money. The stock market is usually will be there, and when you find yourself able to leap in sentimentally, you can.
Lots of people neglect that too very much greed functions in opposition to them facing stock trading purchases. Many people lose cash whenever they get also greedy. Alternatively, as soon as you?ve produced a great deal of earnings, offer your shares and take the money you received.
Should you be in the beginning stages in stocks and shares, it is best to start out with an income accounts, and preserve the marginal make up once you have gained some expertise. You get significantly less risk through a money profile, because it is simpler to handle your loss and understand the approach steadily.
While in stressed economic occasions, lots of people purchase well-established organizations from stable areas to try and shield themselves from loss. But, it is prudent to look at up and coming market sectors and firms that are involved with progressive systems and merchandise. A properly-circular portfolio needs to include a number of stocks and shares for companies in promising marketplaces.
When trading stocks, think of them as your individual companies instead of just worthless symbols. Consequently you are going to really want to be knowledgeable about any investment you?re creating. Learn a whole lot regarding the company and its different strengths. Learn about in which you?re weak. This will give you the opportunity to make a decision regardless of whether you need to personal distinct shares.
Will not be frustrated if one makes several burning off ventures in the beginning. Most newcomers to buying stock expertise some downturns and much less than breathtaking outcomes. It requires a good price of practice, research, experience and data to expertly invest, so keep in mind that prior to phoning it quits.
When you have witnessed, purchasing stocks and shares can get you lots of money. As soon as you what to do, you will end up amazed at your revenue potential. Utilize the recommendations you have discovered in this article today to provide you with an advantage in every market place scenario.

There is more content available about debt management look at Fidelia F. Hernton?s site there is loads of information not detailed on this page, take a look at Author?s web blog to uncover more.

Source: http://all-articles-directory.com/what-everyone-investing-in-stocks-and-shares-should-know-2/

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Wednesday, 15 August 2012

Collect Information Ahead of Marketing Your Real-estate ?

If you are a house operator, it will be representative of quite a bit of your fiscal well worth. If you would like offer your own home, it is vital to obtain the most revenue possible out from the transaction. Check out this write-up to make oneself efficiently then sell your home in the prosperous way.

Several property owners wind up getting overwhelmed through the straightforward elements of upkeep, including backyard operate, plumbing related improvements, and artwork, among others. Even so, overlooking the constant maintenance of your residence can lead to setbacks in shutting down over a home?s transaction in case a buyer insists that particular tasks be carried out just before closing, and it will also negatively effect the deal value a purchaser will pay for your home due to the fact buyers will likely be calculating how much they will have to invest on artwork or restoring leaky faucets.

The roof of your property is absolutely important when marketing, so make sure that the rooftop is strong, clear of leaks and clear of rot. A roof structure that?s looking for repair will deter lots of people and may even make sure they are think there are many difficulties they can?t see. Take into account providing potential customers a price reduction on your wanting to know value if you do not mean to resolve your home?s roof structure ahead of promoting it.

Stay away from controversy when deciding which items to stage your house with. Items of a governmental or controversial nature, for example a book in simple perspective for the coffee kitchen table with regards to gay rights, could offend potential buyers. You need to generate an setting that anybody can feel at ease in. Have your own home seem to be appealing to the mass of visitors, don?t concentrate on any segment in the people (for example on your own!)

Create a webpage on Facebook or myspace to your agency and up-date the public on Flickr also. Once you do that, it is possible to tweet or publish any new house that comes up in the region, in addition to any deals that you have to offer you.

Speak about your marketing selling price along with the regards to the sale with your real estate property representative ahead of writing an agreement. If possible, introducing incentives, like house kitchen appliances, may increase the likelihood of marketing your house quicker. Make sure you make identified the home appliances as well as other products that you are not such as in the cost of your home. Be explicit in listing these conditions so you can find no misconceptions.

The info presented on this page should end up being valuable in your upcoming sales purchases. Take the insights that affect you and placed those to very good use. Though there is a huge add up to mull around when placing property up available, some time expended gaining understanding of the key information will certainly be an advantage!

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Source: http://all-articles-directory.com/collect-information-ahead-of-marketing-your-real-estate-2/

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Internet and Online Business ? How to Start an Online Business | A ...

Autoresponders are a very important device every world wide web and on the web business, and data supplier should have.? They are typically used to enhance subscribers to newsletters, get leads and follow up with potential consumers.? This is very easily accomplished by great autoresponders who have reliable control panels at their disposal.

A great deal of issues can be completed to boost and make sure results for your various electronic mail campaigns.? Manually doing it, even so, will get you nowhere and is just an inefficient way to use your time.? Autorespose is a process that if you do the incorrect way can get you genuinely bad and harmful results.? To do it the correct way on the other hand, can deliver you hundreds of results and the great quantities of funds that arrive with them.? Understanding the positive aspects of autoresponders will set you in the correct state of mind that will make you place a acutely aware work to do it effectively.

It is your intention to have people cease and acquire recognize of your world wide web and on the web business.? To obtain this, you need to be ready to distinguish your web site from every person else?s.? Brand building to give your merchandise a exclusive identity is a very important element of a very good advertising approach.? Your manufacturer turns into recognizable through the regular autoresponder emails your subscribers obtain.? This comes in time and will happen after your audience begins to see you as an authority they can always turn to for dependable data.? You can then contain item offers in the e-mail.

A single of the largest positive aspects of having autoresponders is that they can give a lot needed automation for your site.? For a single, they have the capacity to create sequential e-mails.? You really do not have to log in frequently just to resend e-mail, hence conserving you time and energy.? This will permit you to concentrate more on other places exactly where your website might require improvements.

Get observe of the electronic mail campaigns you did that give the finest final results and replicate them.? You can get information on this through the autoresponder?s inherent monitoring instruments.? You will be ready to identify which email messages get the greatest responses.? Use the identical models as blueprints to produce new subscriber listings.

Autoresponders offer you the versatility and comfort in speaking with a developing subscriber foundation.? It also helps you develop a unique and distinctive graphic for your brand name that will improve the possibilities for results of your web and on the web organization.

In no time, you will be able to see a significant boost in your internet site visitors.

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Source: http://asolutiongroup.com/internet-and-online-business-how-to-start-an-online-business-2/

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Fisker lands former GM exec and Chevy Volt guru Tony Posawatz as CEO

New Fisker CEO Tony Posawatz

Fisker hasn't had what you'd call the best year so far, but it may have found the ticket to turning its hybrid vehicle business around. Meet Tony Posawatz, Fisker's new CEO -- and, until just weeks ago, GM's Vehicle Line Director. Despite being the second new chief executive at Fisker since Tom LaSorda arrived in February, Posawatz needs little explanation for his sudden rise to power. He's an original member of the Chevy Volt leadership structure and could very well know a thing or two about developing a hybrid car from start to finish. His influence might only be keenly felt when the Atlantic wheels its way towards driveways in 2014, but there's no doubt he's onboard to right the good ship Karma and improve Fisker's reputation in the short term. We wouldn't want to be in GM's shoes as it watches one of its EV-friendly veterans so publicly jump ship, however.

Continue reading Fisker lands former GM exec and Chevy Volt guru Tony Posawatz as CEO

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last post - Talk About Marriage

I know how you feel, im in a similar situation...wife is divorcing me, denied there was anyone else..but i found out there is....and i have since met some one else...i knew her already, we worked together for 3 years, were just friends, after my separation we started seeing each other...

She is sooo much better for me than my stbx and she was a great support in the aftermath, even trying to help me get back with my wife for the sake of the kids...but its been hard to forget about my wife, even though i ended up taking her to court to get access to kids, she has lied about everything and tried to take everything...it still hurt though when i found out to think that she was apparently happy with someone else after all of our years together (i found out this week)..i dont think i love her anymore ..its more the disappointment of being treated this way by someone i loved and trusted, and being the one left wondering why it all happened..it has helped me detach by the way she has behaved, and we dont see each other or talk but i am still dreading seeing her with another man...anyway, i know how you feel..confused and not sure if the new woman in your life is the right one, and why the thought of your ex with another man should bother you if you have now found the right person.....i think its only natural to feel this way after you were married to someone, theres still some feelings however much we want to think they have gone (and probably for her to)..i decided to go with the flow and see how it worked out..i figured it should improve over time if it was meant to be, and it has..i still have days when i question where i am now..no longer living with my kids, they living with their mother and likely soon another man, me in a rented house, our house that we worked towards all those years sold, the money all frittered away, most of my personal belongings gone, the heartache and the humiliation she put me through..how did it all happen and why...but these are less now and more and more i am so thankful to have my new partner and i look forward to building a new life with her and the kids..

I dont think mine is a rebound relationship, although it started when i was still mourning the death of my marriage and really not ready for another relationship..my advice would be to try and see beyond your marriage and give it some time if you think she may be right for you..what helps me is to think 'would i have been interested in a relationship with my new partner if i had met her instead of my wife all of those years ago'

good luck with your decision

Source: http://talkaboutmarriage.com/going-through-divorce-separation/53461-ummm-just-some-advice-words.html

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Tuesday, 14 August 2012

India July inflation near three-year low

India's inflation rate hit a near three-year low in July, data showed Tuesday, but analysts said the drop may not be enough to prompt the hawkish central bank to cut interest rates.

The 6.87 percent annual inflation reading in July was down from June's 7.25 percent level and significantly undershot market forecasts as food and fuel prices eased.

"The inflation reading was a positive surprise but it is premature to claim the inflation beast has been tamed. It may be more accurate to say it has been slightly sedated -- but only temporarily," said HSBC economist Leif Eskesen.

While the headline inflation figure had fallen, core inflation -- which strips out price-volatile food items -- rose quite sharply to 5.4 percent from 4.9 percent in June, economists said.

Weak monsoon rains could push food prices back up, they also warned.

"Inflation pressures will continue to remain elevated in the near-term, reducing space for further policy rate cuts," said Goldman Sachs economist Tushar Poddar.

India's Congress-led government, which has its eyes on the 2014 general elections, and business groups have been pressing hard for the central bank to cut interest rates to spur the country's sharply slowing economy.

The economy grew by just 5.3 percent between January and March -- its slowest annual quarterly expansion in nine years.

Many analysts forecast full-year growth of five to six percent, far below the near double-digit expansion the economy notched up during much of the last decade.

While that projected growth remains enviable by Western standards it is too slow to fulfil government pledges of significant poverty reduction in the country of 1.2 billion.

But the central bank, which targets inflation of around five percent, has been more worried by rising prices than slumping expansion, unlike its global counterparts which have been easing rates.

"The year-on-year headline inflation figure is quite comforting," Dariusz Kowalczyk, senior economist at Credit Agricole, told AFP.

"But what clearly will not be comforting to the central bank is the breakdown of figures which underline that price pressures are still there."

The timing of the next rate cut may depend on whether new finance minister P. Chidambaram starts to push through key economic reforms.

The bank has been insisting the government contain a ballooning fiscal deficit and take "policy actions to encourage investment" which would include removing constraints on foreign direct investment.

"As far as the timing of rate easing, my sense we need is we need action from the government," Yes Bank chief economist Shubhada Rao told AFP.

Source: http://news.yahoo.com/india-july-inflation-falls-unexpectedly-6-87-071920056--finance.html

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Monday, 13 August 2012

Q: Gold and silver have become great investments this past decade ...

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Source: http://www.goldsenze.com/q-gold-and-silver-have-become-great-investments-this-past-decade-have-you-invested-in-any/

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6 Apps That Can Help Small Businesses Compete Against the Big ...

August 13, 2012 - Posted by Amanda Norris

Guest post by Jim Belosic, CEO of ShortStack

One of the most awesome things about being a small business owner today is the number of apps that are available to help make running a business so much easier than it was just a few years ago. It used to be really difficult for many small businesses to compete, especially in the online space. Back in the day, circa 2008 or so, if you wanted a cool website, you?d have to shell out thousands of dollars to hire a designer/programmer. An e-commerce site could cost six figures! Then you?d need a bookkeeper, a point-of-sale provider, an attorney, and the list goes on.

Not any more.

Today you can build a website for free using WordPress, you can get an LLC set up for a couple hundred bucks with LegalZoom and you can use QuickBooks for bookkeeping. If you have a good idea, and use the right tools, your chances of success are so much greater.

My philosophy is that if someone has built an app that is going to make it easier for me to run my business, I?m going to use theirs rather than build my own. I don?t host my own website because there are companies that can do it better than I can. Our programmers didn?t create an email newsletter app because there is a company that does only that, and they do it really well.

ShortStack is a platform that my co-founder and I created to make it easy for businesses of any size to host Facebook contests (and, starting this month, embed contests and other apps directly onto their websites). There have always been companies that could fork over $20K or $50K to run a contest on Facebook or on a website, but that option was out of reach for most businesses.

Anyway, the bottom line: why reinvent the wheel?? There are so many great apps and platforms out there and chances are very good that some of them will make it easier for you to run your business so you can focus on whatever it is that you do best.

Here are some of my favorites:

1.?ShortStack ? for Facebook contests, promotions and custom forms

Why I like it: Well, I?m biased, but I believe that our platform is the best in this space because it allows businesses, agencies, and individuals to make the most of their Facebook presence and engage with fans in fun and unique ways.? At my previous company we had clients who would pay us $20K to create an app for a single contest. But instead of searching for new clients with big budgets, and catering to 5 or 10 of them at a time, I realized that I?d be better off having thousands of clients paying between $15 and $300 dollars a month for as many apps as they want. (And when clients follow our recommendations, they have virtually no contest fraud, which is a huge problem for contest hosts.) We followed the WordPress model: Let?s create something that almost anyone can use.? We have apps that allow businesses to collect data, put information behind ?fan gates,? create forms, and so on. There is an amazing amount of customization ShortStack customers can implement without having mad programming skills or having to hire a programmer.

2.?MailChimp ? for DIY email-newsletter marketing

Why I like it: It?s really easy to use and the app has great templates and? features like auto-responders. The folks behind MailChimp are also forward thinking when it comes to responsive design and, most important these days: mobile viewing. People read more email on mobile devices than on their desktops or laptops so mobile functionality is essential. We use MailChimp to send out newsletters and to send ?welcome? and ?getting started? information automatically to every new subscriber. The interface is also really fun and makes you want to use it.? Bonus: it?s free for up to 2,000 subscribers and 12,000 emails (per month).

3.?Square? for accepting payment for goods and services ? via credit or debit card ? on your mobile device

Why I like it: In a word: convenience. When I used this app for the first time as a consumer, I was blown away by how easy it was. I was at a triathlon and I wanted to buy a wetsuit that a vendor had on display in a tent. He pulled out his phone, swiped my credit card, that was it. No complicated cash register to hook up. I didn?t have to write a check or pay with cash. The shop owner was able to do all this away from his store, without electricity. For people who own food trucks, or sell jewelry at craft fairs, or even for consultants who provide onsite business services, it allows a business to be truly mobile. The device that you attach to your phone or tablet is free and the company charges 2.75 percent per swipe.? Payments are deposited into a checking or savings account that you link to the Square app.

4. Wufoo ? for building custom forms online

Why I like it: It allows you to create online forms that then organize the data you collect into one place. Creating and coding a customized form to drop into your blog or onto your website is complex. With each field you want users to complete, it gets even more complex. Wufoo is a tool that takes all the complexity out of it. You can either link to it from your own site, or keep it on your site. It reminds me of the ShortStack and WordPress solutions: ?Let?s make it possible for everyone to do this, easily.? Wufoo has a free plan for people who only need to use a couple of simple forms a month.

5. SurveyMonkey ? for creating surveys and analyzing results

Why I like it: Hmmm. I just? love primates! (See MailChimp, above.). This is my superfavorite app. It allows me to create surveys but more important, it allows me to to see who our users are, how they use our products, and to look at data in a way that I haven?t found elsewhere. It?s really useful for gauging user interest in new ShortStack features. Sometimes we get really excited about a new feature but when we use SurveyMonkey and ask our users what they think about the features, we see that we were wrong. Sometimes the data we see reminds us that it?s not always good to run a business on gut instinct alone. You can try it for free.

6. EventBrite ? for online event registration

Why I like it: It makes it easy to register people to attend a live event or a webinar. It?s sort of like TicketMaster but for all sorts of events, even free ones. If you?re charging for your event, EventBrite handles all the payment issues. If the event is free, but you have a limited number of spots, the app closes registration when the limit is reached. The app also has all sorts of add-ons, like promotion tools, and check-in lists.

I have a few more, but these are the ones that I use the most, or recently discovered but will definitely use in the future. Do you have any favorite apps that you think I should check out? Please let me know @ShortStackJim.

Jim Belosic is the CEO and co-founder of ShortStack, a self-service web application design tool that allows individuals and businesses to create custom Facebook apps for their Facebook Pages that maximize their social media presence and potential.

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Source: http://www.marketingzen.com/6-apps-that-can-help-small-businesses-compete-against-the-bigger-guys/

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