Wednesday, February 29, 2012

Webster seeks new vendor for students to receive aid and loans ...

After a student applies for financial aid, they receive a letter in the mail regarding their different options for disbursement of Pell grants and student loans. This letter explains three options: a paper check, an Automated Clearing House (ACH) deposit into a preferred bank account or the Webster University credit/debit card. However, the letter isn?t sent from Webster ? it is mailed from Higher One.

Higher One is a third party company employed by Webster as a financial aid and student loan disbursement mechanism. According to Greg Gunderson, vice president and chief financial officer, Higher One was the first company to provide this service for Webster. The university has used the company for at least three years, but is now considering hiring a new vendor.

The contract between Higher One and Webster expires this year, and the finance department will begin their request for proposal (RFP) to search for a new provider.? The RFP is an invitation sent to different vendors for them to begin the bidding process. This process includes sending proposal of services. The RFP ends in 12 months, so companies could begin the bidding process soon. Gunderson said that although Webster is pleased with the services of Higher One, they want a vendor less concerned with ACH and debit/credit card accounts. Instead, Gunderson and the finance department are more interested in a financial institution and not just a disbursement service.

?I like the fact that banks bring a broader perspective,? Gunderson said.

Gunderson said he?s not sure if a new provider will increase the speed at which funds are available to students, but that banks are able to provide all three disbursement options Higher One currently offers.

If the university decides to employ a financial institution to handle financial aid and loan disbursement, students will not be significantly affected. According to Gunderson, the university is interested in doing a full conversion with a new vendor. This means that both current and new students will be converted to new accounts with a new vendor. If this happens, a letter will be sent to current students asking if they would like to continue with their current preference (ACH, check or card).

Once that is done, the new vendor and finance department will take that preference and switch it to the student?s new account. Students with a Webster debit card will be sent a new Visa or Mastercard, depending on which the new vendor provides. The new debit card will look like a student ID card with a photo on one side and an account number on the other. Students will have the option of turning the debit/credit card on or off.

Gunderson said students shouldn?t have any issues with the process of switching to a new vendor.

?Whatever we do, we want for students to ultimately think we have made the better decision, if not the best decision,? Gunderson said.

The finance department is interested in providing students with a customer service experience that Higher One couldn?t offer. Banks are interested in this decision because they want to form a relationship with students in hopes of making them lifetime customers.

The university paid Higher One for completing students? paperwork and sending out checks. Under the original contract, Webster receives a rebate based on students? volume of usage, but Gunderson said the rebate doesn?t come close to the amount the institution pays. Last year the university received under $14,000 from Higher One. No special payments are made to Higher ?? ?One based upon the student?s usage.

After a student has been awarded financial aid, Higher One contacts the student via email then mails them a letter with details of the three refund preferences. Due to the university objective, as well as Higher One, funds are disbursed faster than the federal law requires. Students can have funds available to them within 5-7 business days by paper check or within 2-3 business days if they decide to have an ACH transfer to another bank account.

To have refunds available on the same day Webster releases them, students can register for the Easy Refund, which puts the money on their Webster debit card. Student loans may take longer for the student to receive because they are third party loans from banks, not the federal government. Paper checks take longer to process because they must have signatures from both the university and the student. The funds are then deposited into the school?s bank account and, after they are cleared, deposited in the student?s Higher One account.

Students are not contacted by financial advisors with any information on the disbursement options. Amanda Swearingen, freshman acting major, decided to use the Webster debit card because she didn?t have any other credit or debit cards. Although she hasn?t spoken with a financial advisor, she said she felt the fees were carefully explained in the pamphlet the card was sent with.

Clare Bowen, freshman sociology and women?s studies major, received her card but isn?t sure if it?s active. Bowen said she hasn?t done anything with her refund and hasn?t spoken with any financial advisors about her disbursement process or options.

Although Webster financial advisors may not be active in explaining disbursement options, the new vendor will offer many different outlets and customer services. Most banks are interested in opening a branch on campus or sending representatives to the university so students can speak with a person face-to-face to inquire about their account. Some banks also? have mobile apps available on Android and iPhones for students to access their account information on the go.

A new vendor could also allow students to transfer funds to and from any other account, whereas Higher One only allows this transaction to be made with other Higher One accounts.
Gunderson is unsure when the university will switch to a new vendor. He said if the RFP is sent now, it could possibly take a year.

The estimated time frame includes sufficient time to choose the best vendor and train all representatives.

Related posts:

  1. Webster University seeks to help students? transportation woes
  2. Graduate student loans now unsubsidized
  3. Webster students overworked

Source: http://websterjournal.com/2012/02/29/webster-seeks-new-vendor-for-students-to-receive-aid-and-loans/

slither whitney houston funeral live stream kevin costner whitney houston whitney houston funeral live chris christie naacp nick cannon

International Well being Insurance policies for Abroad Travel ...

Traveling overseas is appreciated by plenty of people today nowadays as a result of the numerous selections when it comes to intercontinental travel. It is possible to travel through air, by land, or sea. All of it relies upon on where you program to travel. This will be one purpose why plenty of people today desire to get intercontinental well being insurance policies.

For most years now, international health and fitness insurance policy has started to become a lot more and even more preferred. By owning this sort of insurance method, you could count on that your health care wants are coated even when you are in a very distant position. Injuries and diseases can materialize anytime throughout your family vacation and it?ll be considered a fantastic factor in case you are insured.

Overall health associated problems can take place even though you happen to be away from residence and considering that you?re not a neighborhood resident in the area that you are browsing, you aren?t qualified to receive well being treatment positive aspects presented with the neighborhood federal government. Should you frequently travel overseas for trip or for small business, you?ll want to under no circumstances be caught without the need of an worldwide travel insurance over 65 policy.

The two strategies made available as essential international well being insurance coverage are journey and tigara electronica insurance. Both programs offer accident and illness protection nevertheless the coverage may possibly differ depending over the variety of days stay abroad.

Travel health and fitness or health care insurance policies is much more well known compared to the expatriate because vacationers believe that this is a a great deal superior possibility especially for individuals that travel for only a couple of times, weeks, or months. This type of plan consists of a $1,000,000 protection on normal emergency health care, excursion interruption, and residence protection.

Should you have programs to remain overseas for fairly a while, you have to get expatriate overall health insurance policies. Be certain that you?re lined during the international state and when you might be with your friends and family, they have to be covered too. This sort of blog posts strategy is often renewed as well as the coverage quantity can reach as significant as $5,000,000.

Insurance policies requires vary from one personal to another. It truly is as a result really essential to determine all your insurance coverage requirements first previously shopping for international overall health insurance policies. You have to also know the way long you are going to stay abroad ? with regard to times, week, months, or a long time. Getting international overall health insurance coverage is actually a clever move if you want to protect oneself, and also your family.

Touring abroad will not be an easy decision. You see, you must have the proper resources and dollars in an effort to finance your way from your residence place. You?d probably require extra cash for a few petty bills, you must pack your factors, and most especially, you?ll want to buy international wellbeing insurance. In case you put each one of these items jointly, it may indicate major funds.

Should you prefer to journey without any sort of insurance in any respect, you might surely regret it after you meet a clinical crisis overseas since it can eat-up all of your price savings and go away you bankrupt. What is worse is if you?re out of the country and you also really don?t have close buddies and kin to assist you out. So don?t make this mistake and protected your journey overseas.

Get the suitable international wellbeing insurance policy that can meet up with all of your requires when you journey abroad and one that could suit right into your economic affliction at current. Opt for respectable and well-established insurance policies providers from the industry. Look at when they offer specialized worldwide health insurance policies.

Source: http://mcdonaldscentralcoast.com/?p=2078

9 9 9 plan hoppin john dan wheldon weldon weldon david garrard indy car

Tuesday, February 28, 2012

HTC One S Specs

HTC One S

  • Dimensions: 130.9 x 65 x 7.8mm
  • Weight: 119.5g
  • 4.3-inch Super AMOLED capacitive display (540 x 960)
  • HTC Sense v4.0
  • Android 4.0 (Ice Cream Sandwich)
  • 1GB RAM
  • 16GB built-in storage
  • Dual-core 1.5GHz Snapdragon processor
  • GPU: Adreno 225
  • Bluetooth v4.0 w/ A2DP
  • MicroUSB
  • 8MP (rear) camera w/ AF and LED flash
  • 1.3MP (front) camera
  • 3.5mm headphone jack
  • Beats audio


Source: http://feedproxy.google.com/~r/androidcentral/~3/KvWSjpYY5SY/story01.htm

xbox update xbox update nba schedule nhl realignment nhl realignment kristin chenoweth country music awards

Defense rests at Texas financier Stanford's trial (AP)

[unable to retrieve full-text content]AP - Attorneys for Texas tycoon R. Allen Stanford have rested their case without having the once high-flying businessman testify at his fraud trial.

Source: http://us.rd.yahoo.com/dailynews/rss/crime/*http%3A//news.yahoo.com/s/ap/20120227/ap_on_re_us/us_stanford_trial

whitney houston has died blue ivy carter whitney houston death the vow the voice season 2 ron paul maine obscura

Monday, February 27, 2012

Personal Finance Ideas To Help You Save A king's Ransom ...

Which means you continuously remodel your web page and accomplish each of the little things on your own site that ought to help search engine ranking positions, nevertheless lo and observe your website just isn?t leaping in the search results rates. Precisely why? Your current benefits could be deficient since just about the most substantial Search engine optimization ( S.Elizabeth.O ) tactics, organic and natural link building, is a lot more regarding other internet sites than your individual and it is similarly imperative that you finishing 1st place inside the research site result ethnic background. Whenever a web | Net | internet site obtains site visitors from your hyperlink published in yet another web site, this is whats called a healthy inward bound hyperlink. Setting up a web of internet sites that spot one of the links from your internet site on their own the actual site visitors amount generated out of this community is recognized as organic and natural link building. if you aren?t spending money on advertising and marketing on the internet or another search engines like Google, your best photo to realize very good search results presence is to roll up your own flashlight sleeves and invest time in organic and natural back-link building and enhancing web page. When more visitors just isn?t reason enough to invest serious amounts of actually financing, organic and natural link building is changing right into a preferred approach inside gauging an internet site Net site?s Net directory, and this can be search results power search positions made a decision through dominant Google. Decide on Reliable Building links Options Whenever commencing a healthy link building community, it is vital to end up being frugal in picking online site?s to put your own hyperlinks in. Engines like Google consider an online site?s credibility and simplicity equally as much with the ethics and popularity from the second-party sites demonstrating the link because owner?s web site by itself. Search engines Plugin, an online browser add-on, demonstrates the actual list of the given Web site this sort of interested in learning the actual ethics of a web site prior to posting one of the links into it.

Since the industrial downturn features arrived at more folk the actual motion of financial obligation can be capturing across the country. Educating individual financing and boosting income smart little ones has become more essential than previously. As it is possible to clearly notice out of this tiny info already with all this article is within some type or even method associated with capital mortgage. It?s not just linked but sometimes also be very valuable when searching for specifics of water bores fargo auto capital, car loan employed, secretary of state for financing preparing and financial improvement, little cooper dealer. Reading financing mags is an excellent supply of private financing suggestions. You?ll find so many income mags offering facts about anything from the best way to conserve more income to how you can scale back on bills. Along with standard publication subscriptions, there also are electronic digital mag subscriptions. Money arithmetic can be a main side branch regarding applied math concepts engaged with all the income areas. Income math concepts may be the examine regarding financing info with all the methods regarding math concepts, primarily record files. These kinds of info might be movements regarding shares stocks and bonds and so on. Many men and women trying to find specifics of capital mortgage additionally looked on-line for poor credit capital, property capital, as well as international centre for education inside financing. It is not hard to have individual financing suggestions, nevertheless implementing these people is the one other account. There is a considerable volume of advice about the best way to put them in to motion additionally. Watching suggestions through dependable resources allows for practically anyone to have the money well being they want to gain. It?ll take the time to absorb every one of the financing details and means identified nevertheless all this discovered details will play an essential component inside reaping helpful benefits everybody and firms in all elements of financing. Want to know more about this? Go to finance right now!

A lot of rental organizations also have limitations about the forms of equipment they are able to financing. For example, some lessors don?t lease high-risk equipment similar to eating place equipment, Cash machine avenues, junk food models, and so on. Which means you need to very first uncover if the renting firm you have selected has the capacity to supply you capital for that equipment you require. Another important thing that should be taken into consideration may be the conclusion expression. You need to very carefully investigate exact day and mother nature from the conclusion of the lease.When scouting for the device lease capital choice, it?s very important to choose an application that?s suited to your needs. Lease plans vary with respect to the firm supplying them. Furthermore, there isn?t any standard lease software that may go well with every type of businesses. You must think about variety of items before choosing a tool lease software. For example, the size and financial well being of the firm are necessary. Important info regarding lease plans available from a particular clients are on its site. You should always go with a firm which has a well- maintained site where you will quickly realize crystal clear software and make contact with details. Better recognized organizations will also have an easier lease method that is a lot more feasible and hassle-free.Products lease capital is becoming well-accepted after a occasion when business owners do not want to type in the problems regarding business financing loans which include fiscal reports, expert forms, investor business plans, tax returns, and so on. Firms choose to use a professional equipment bank using who they could openly focus on their own business?s particulars using well-informed experts and find out about equipment lease capital.

Similar Posts:


Categorised as: Uncategorized


Source: http://www.echangesaugmentes.com/personal-finance-ideas-to-help-you-save-a-kings-ransom/

voting sharon bialek call of duty elite dragonfly courtney stodden drake take care herman cain accuser

American Samoa Real Estate Property Available For Sale

American Samoa Property is really a wonderful area to be, while it is not simple to acquire property here as in contrast to the remainder of the global real-estate. The prices here are secure and are also on the rise once again simply because recession in the US is on a downward direction.

The Usa contains governmental control across the American Samoa. This specific tropical island is situated even more away than the Hawaiian group of islands while still draws lots of wealthy as well as the famous. All the same there are actually restrictions within the American Samoa real-estate as most of the property is actually considered public terrain. Only about 10% of the American Samoa real estate property intended for purchase is actually offered and may be bought and also offered. Regulation for the American Samoa real estate forbids the particular transfer of ownership unless of course one is not less than half American Samoan. Individuals interested in the American Samoa property homes for sale might lease the communal land that is available; but the rental time period is for 55 years only.

This is the reason the American Samoan real estate do not transfer title as frequently as the rest of the international real estate market. American Samoa is really a group of small islands and the main island is termed Tutuila, which is also where most people reside. The capital is called Pago Pago. Ninety percent of the terrain in American Samoa is communally managed by a number of groups or many families. All of the real estate in American Samoa is typically regarded as resource by these clans and it is passed on down from one generation to a new generation.

The vast majority of real estate property in American Samoa available for purchase is close to the capital Pago Pago. Completely new construction for the American Samoa real estate property is definitely quite a few and additionally there?s a good deal of traditional properties that are offered for sale and purchase. Although American Samoa is far away from the US mainland, inhabitants can enjoy all amenities available to the citizens within the mainland and additionally this comprises postal services, telecoms, US banks, dining establishments in addition to shopping. Even McDonalds and Pizza Hut deliveries happen to be available.

Currently the price tag for oceanfront houses in Pago Pago cost around $400,000 for any 1600 square meter property. The costs for American Samoa real-estate available for sale are usually flexible. There?s very few rental properties which are on the market today and the details for American Samoa rentals is not available at this time.

Taylor White is an international real estate investor and leading the charge at International Real Estate Listings the worldwide leader in American Samoa real estate and American Samoa real estate listings. American Samoa real estate owners, agents, and developers are encouraged to create an account, upload an unlimited number of listings, write as much creative property details, include a You Tube property video, and it will be activated as a basic listing for 6 months, free.

Source: http://yptuscaloosa.com/?p=38645

steve jobs aapl stock aapl stock apple ii pixar growing pains growing pains

Sunday, February 26, 2012

AP investigation of US drone strikes in Pakistan (AP)

[unable to retrieve full-text content]AP - The Associated Press conducted a rare, on-the-ground investigation of casualties from U.S. drone missile strikes in Pakistan, interviewing around 80 villagers at the sites of 10 of the deadliest attacks over the past 18 months in North Waziristan, the main sanctuary for militants in the rugged tribal region along the Afghan border. Details from those accounts are included below:

Source: http://us.rd.yahoo.com/dailynews/rss/asia/*http%3A//news.yahoo.com/s/ap/20120226/ap_on_re_as/as_pakistan_drones__human_cost_glance

dan marino passing record ipad 2 cases movie times serene branson matthew mcconaughey to catch a predator davenport

Dazzling Comet Garradd Has Close Encounter with Star Cluster (SPACE.com)

[unable to retrieve full-text content]SPACE.com - A comet and a sparkly star cluster shined bright together this month in a space rendezvous captured by an astronomer in California.

Source: http://us.rd.yahoo.com/dailynews/rss/space/*http%3A//news.yahoo.com/s/space/20120225/sc_space/dazzlingcometgarraddhascloseencounterwithstarcluster

teresa giudice red ribbon week much ado about nothing sean hayes caroline manzo caroline manzo the haunting in connecticut

Relocating With The Help Of Movers | Real Estate Experts

What Else Can You Find Here??

Not only will you find home buying tips, home selling tips and real estate agent tools, you will also find everything else about real estate. Other related article topics that may be of interest, such as home and garden, interior design, finance, home improvement, and home accessories are included.

?

Source: http://www.realestatelocalexperts.com/relocating-with-the-help-of-movers/

ashton kutcher twitter sandusky barbados raiders chargers latin grammys latin grammys ogopogo

Saturday, February 25, 2012

production technology: Creativity Helpful For You | Self Improvement ...

Do you inform yourself that you are not a inventive individual as a result of you can?t draw or play an instrument or write poetry? I typically hear many of my clients bemoan, ?I am not artistic!?
This isn?t true! We all have the ability to be creative ? it is a God-given reward ? however you won?t be noticing or having fun with your specific form of creativity. It?s vital that you simply become conscious of which forms of creativity are fun and fulfilling for you, because expressing your creativity is a strong method of feeling filled up and joyful within.

Creativity naturally pours out of my three-yr previous grandson, as it does out of all little youngsters who?re given the opportunity to specific it. When I was spending time with him recently, he was enjoying with a youngsters?s microscope that has little slides with numerous bugs and other little creatures that he can slide in. He slid in just a little shrimp and then beginning operating across the room saying, ?Grandma, the shrimp is within the heater! Get it out!? Once I coaxed out the little shrimp, it now magically appeared underneath the desk, or within the lamp, or back in the heater! He delighted in operating around pretending this little shrimp was in every single place and engaging me in his magical recreation, laughing as he thought up new place for the shrimp to hide! I could see the pure joy he experiences in expressing his creativity.

How will you express your creativity in on a regular basis methods?

Maybe you really love scrapbooking or making picture albums, creating ways of having fun with memories. Do you enjoy setting a beautiful desk, or creating a beautiful flower arrangement from flowers that you grow? Do you love creating an exquisite?ashford Coupons garden? How about making a bulletin board in your home or office for others to get pleasure from? Maybe you just take pleasure in placing on music and permitting your physique to bop around the room. Do you like being in your workshop, making issues out of wooden for yourself and others? One man I know determined to precise his creativity by carving a totem pole, though it was something he had by no means done and had no thought the way to do it!

Possibly choosing out materials and making clothes or blankets is enjoyable for you, or knitting or crocheting for yourself, household and friends. Do you may have fun making cards with stamps? Perhaps you enjoy making collages with photos from magazines.

You is perhaps a person who expresses your creativity through your kindness or by your humor. Perhaps volunteering is a form of creativity for you. Perhaps you have got learned to express your creativity in saying something sort to every person with whom you?re in touch throughout a day.

The purpose is, all of us have some ways during which we will specific our creativity, and expressing it?s important to our wellbeing. It is a great type of play. In case you spend your whole time simply getting issues finished and don?t allow time for your on a regular basis creativity, you?ll not feel alive and content within. The old saying, ?All work and no play makes Jack a uninteresting boy? applies to all of us. We feel boring inside once we do not allow time for play, for creativity, for kindness to ourselves and others.

Leon Edward helps people in Personal and Career Growth, leadership Development, Goal Setting, Success, Motivation, Self-Improvement, Happiness, Memory Improvement, Stress Reduction and more through his articles, blog posts and special reports . Join Leon Edwards Awesome Success Free, Get his personal success, development and growth weekly newsletter as well as success classics and tips on attracting success and wealth. Visit his Success-Leadership Library, Articles at http://www.AwesomeSuccess.org Leon Edward also helps people improve IQ, focus, memory, concentration, creativity, speed reading, public speaking , time management and reducing stress. Download his IQ Mind Brain Memory Self-Help library at his website http://www.IQMindBrainLibrary.comLeon Edward helps people improve in Leadership Development, Goal Setting, Success, Motivation, Self-Improvement, Happiness, Memory Improvement, Stress Reduction and more through his articles, blog posts and special reports . Join Leon Edwards Awesome Success Free, Get his personal development training, success and growth weekly newsletter as well as success classics and tips on attracting success and wealth. Visit his Success-Leadership Library, Articles at http://www.AwesomeSuccess.org

You may also be interested in guide to affiliate marketing | Internet Based Business
Wholesale Products To Sell | Products To Sell Online | Products To Sell On eBay | Mind Movies | Brain Games For Seniors

Personal Development Training | ?Leon Edward | ?Entrainment CDs | ?Start Online Business | ?Products To Sell Online&nbsp

Comments

Source: http://awesomesuccess.org/self-improvement-blogs/self-improvement/creativity/creativity-helpful-for-you/

2012 westminster dog show abe lincoln vampire hunter detroit red wings red wings jeremy lin xi jinping matt bomer

Source: http://production-technology.blogspot.com/2012/02/creativity-helpful-for-you-self.html

lettuce recall zanesville ohio zanesville ohio light field camera world series game 1 exotic animals exotic animals

Significance about Your pet dog Spend Removing Program ...

Posted by admin on February 24th, 2012

Significance about Your pet dog

Youngsters are usually content inside having fun with their particular animals specifically puppies. With all the puppy inside pull they could wander inside the playground and also over the path part. In the home having fun with the particular puppies could be the lawn or perhaps garden will be a type of workout that may relax the lack of feeling and also de-stressing oneself.

Just like human beings, your pet dog does not have any normal time in spend removal. When puppies wish to be able to emit, they are going to merely set off their particular spend. Seeking the youngsters to completely clean the chaos at times brings about modest uncertainty one of them. In order to avoid these kinds of scenarios, we?d like the particular companies of your puppy spend removing program in which bargains inside poo scooper perform. You will be confident regarding successful and also trustworthy puppy spend removing method your dwelling and also clearing up regarding family pet spend stop inside rentals. Unsanitary puppy spend produces bad scents which can be uncomfortable and also at times explanation for the next door neighbor?s irritated disposition.

Stinking and also dirty puppy spend may also result in growth regarding bloodsuckers and also bacterias which is damaging, not merely to be able to animals but in addition to be able to human beings and will bring about diverse conditions. Deodorizing and also sanitizing the location together with disinfectant can eliminate the damaging small creatures in which grows right after tidy up. Puppy spend removing program also can offer companies for the local community simply by on a regular basis building a program assessment regarding pathways. Clear area can gain not merely the particular property owners nevertheless the complete local community. Your pet dog spend tidy up program manages the dog?s spend and also permit the area be described as a pleasurable destination for a are now living in.

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

Source: http://www.bolpromer.com/significance-about-your-pet-dog-spend-removing-program/

ibogaine weather houston weather houston small business saturday small business saturday hank baskett beyonce dance for you

Friday, February 24, 2012

TCF Financial (TCB): Credit, Fee Issues Remain A Challenge ...

TCF Financial Corp. (NYSE:TCB) saw steady improvement in problem asset levels in 2011 versus 2010 with classified assets falling 33.5 percent and is expected to witness the same in 2012 as the economic condition improves.

In 2011, 60+ day delinquent and accruing assets fell 10.1 percent and total non-accruals dropped 13.6 percent. However, the company continues to see growth in accruing troubled debt restructurings (TDR) balances. Specifically, accruing TDR balances grew 37.8 percent in 2011 to $532.3 million.

"While this level of growth is concerning, we continue to believe that the loss content in the restructured credits is manageable and note that the company carries a 13.5% reserve on the consumer TDR balances," RBC Capital Markets analyst Jon Arfstrom wrote in a note to clients.

TCF itself admitted that credit quality remains a challenge in the current environment and is delaying TCF's return to more normal levels of provision.

Meanwhile, checking account attrition continues to offset solid new account openings. TCF opened 431,677 checking accounts in 2011 and 418,670 accounts in 2010. However, account attrition continues to limit growth in the overall account base as total checking accounts has remained rather steady at 1.3 million.

"Our sense is that management is balancing the ability to have greater account growth with less?attrition against the potential for loss in fee income. The key will be to maintain the current account base, potentially generate a lower fee per account average, but to grow the overall number of accounts," Arfstrom said.

In TCF's 10K, the company outlines their current federal home loan bank (FHLB) borrowings at $3.9 billion, carrying a weighted average cost of 4.02 percent. Though it is unrealistic for the company to prepay and refinance all of their FHLB borrowings given prepayment penalties, TCF has the opportunity to reduce some of these borrowing costs which could help support net interest income. "We expect continued slow and steady improvement in problem asset levels in 2012 as the economic environment improves," the analyst said.

Source: http://www.istockanalyst.com/finance/story/5687141/tcf-financial-tcb-credit-fee-issues-remain-a-challenge

pie crust pie crust stuffing recipe happy thanksgiving dwts jfk assassination kennedy assassination

Astronomers Confirm a Hot and Steamy Exoplanet

Come on girl, yeah..it?s me Jackie Moon.
Don?t gimme that look, that?s right, let?s get sweaty, let?s get real sweaty
I?m talkin? rainforest sweaty, I?m talkin? swamp sweaty.
Let?s fill the bathtub full of sweatalright.

Baby who wants to love me sexy uh?
Baby are you ready to lick me sexy uh uh?
Take off your shoes and suck me sexy
Baby we?re naked and we?re humpin? sexy

I wanna do a little thing wit choo
I wanna do a little thing wit choo

Source: http://rss.slashdot.org/~r/Slashdot/slashdotScience/~3/hvngoyEMI_c/astronomers-confirm-a-hot-and-steamy-exoplanet

josef stalin kourtney and kim take new york anne hathaway nathan hale kohls coupons joe kapp joe kapp

Tibetans mark new year under shadow of immolations (Reuters)

[unable to retrieve full-text content]Reuters - Tibetans in northwest China marked a tense traditional new year with prayer, the sounding of a gong and subdued defiance on Wednesday, in the wake of a string of self-immolations and protests against Chinese control.

Source: http://us.rd.yahoo.com/dailynews/rss/religion/*http%3A//news.yahoo.com/s/nm/20120222/wl_nm/us_china_tibet

ashram merce cunningham tim hightower tim hightower waldorf school waldorf school world series game 4

Thursday, February 23, 2012

Verizon customers experience another 4G LTE outage (Digital Trends)

[unable to retrieve full-text content]Digital Trends - As confirmed on the official Verizon Twitter account this morning, the cellular service provider noted a problem with the 4G LTE network. However, the spokesperson noted that the ???3G data, voice and text services are operating reliably.??? Unhappy customers in Detroit, Phoenix, Arizona, Columbus, Chicago, Indianapolis, Milwaukee and Philadelphia posted complaints on the Verizon discussion forums throughout the morning. Some of the customers also stated that 3G service was unavailable at the same time. According to Verizon Wireless spokesman Tom Pica, Verizon Wireless started receiving customers calls about the outages around 6:30 A.M. Eastern time. 

Source: http://us.rd.yahoo.com/dailynews/rss/tech/*http%3A//news.yahoo.com/s/digitaltrends/20120223/tc_digitaltrends/verizoncustomersexperienceanother4glteoutage

hook troy miracle andy whitfield kennedy demi moore roy oswalt

Wednesday, February 22, 2012

Many Advantages From Participating In Respiratory Therapist ...

[unable to retrieve full-text content]This is the big reason behind the sudden explosion in the number of higher education degrees available in the health sector. Respiratory therapist programs, just ... How to be a magician (1). Reference and Education (1286) ...

Source: http://1aboutpsychology.com/2012/reference-and-education/many-advantages-from-participating-in-respiratory-therapist-programs/

russell pearce emergency alert system 2011 election results 11/11/11 11 11 11 activision blizzard acrylamide

500 payday loans- 500 payday loans for financial freedom

Waiting for the next payday is a cumbersome process whenever you are in need of cash aid to support your monetary urgencies. Are you one among such a person in need of funds to come out of your financial distress before your next payday? If yes, we at 500 Payday Loans are here to readily assist you in arranging a loan option that matches your needs. Through our 500 payday loans, borrowers like you can come out of financial crisis before the next payday that might be far away.

In order to gain approval of our 500 payday loans, loan applicants like you have to meet certain minimum conditions of eligibility. You should be:

? A citizen of the UK

? Aged more than 18 years

? Employed at present

? Holding a running checking account accepting direct deposit

With us at 500 Payday Loans, we offer our short duration cash aid under 500 cash loans option. This needs an approval for releasing cash up to a maximum amount of ?500. Through our payday loan service, we will assist you to fill up the financial gap that crop up prior to your next payday. We will not ask you to submit any guarantee or fax us any unwanted documents for gaining sanction of the loan.

We also offer our 500 loans today option. Here you will be able to raise an amount up to a maximum of ?500 after approval. You are at your own free will to utilize this borrowed cash for any personal needs. There is no need for you to undergo any credit checking procedures as well.

Our other loan services offered to loan aspirants like you include:

? 500 Loans No Credit Check

? Payday loans

All that you have to do now is to complete our easy application form made available to you online. Fill it with your requirements and submit. Wait for us to process your application in the shortest possible time. You can with 500 Loans No Credit Check and get cash soon.

Robert Decostra is a finance advisor and has been dealing with assorted finance programs. If you have any quarries related to 500 loans no credit check, 500 cash loans, payday loans, 500 loans today visit http://www.500paydayloans.co.uk

VN:F [1.9.13_1145]

Rating: 0.0/10 (0 votes cast)

Tags: 500 cash loans, 500 loans no credit check, 500 Loans Today, Payday Loans

Source: http://www.toparticlesworld.com/500-payday-loans-500-payday-loans-for-financial-freedom/

ncaa football brian van gorder blazing saddles lsu alabama national championship beezow doo doo zopittybop bop bop cordova

Strauss-Kahn questioned in prostitution case (AP)

[unable to retrieve full-text content]

EDS NOTE ALTERNATE CROP OF SPIN101 Former International Monetary Fund leader, Dominique Strauss-Kahn, arrives at a police station in Lille, northern France, Tuesday, Feb. 21, 2012. Prosecutors in the northern city of Lille are investigating a suspected prostitution ring in France and neighboring Belgium. The former IMF chief wants to be questioned by police so that he can debunk claims that he was linked to a suspected hotel prostitution ring. (AP Photo/Michel Spingler)AP - Former International Monetary Fund chief Dominique Strauss-Kahn was being held for questioning Tuesday by French police investigating a suspected hotel prostitution ring.


Source: http://us.rd.yahoo.com/dailynews/rss/europe/*http%3A//news.yahoo.com/s/ap/20120221/ap_on_re_eu/eu_france_strauss_kahn

gas prices knicks the voice george washington carver taylor swift and zac efron mike wallace mike wallace

Obama corporate tax plan to be unveiled Wednesday | G7Finance ...

Tue Feb 21, 2012 6:34pm EST

(Reuters) ? The Treasury Department will roll out President Barack Obama?s corporate tax reform plan on Wednesday, administration officials said on Tuesday.

The plan will follow such principles as ?fairness? that Obama laid out in his State of the Union address to Congress last month, the officials said.

A package had been expected by the end of February, though most analysts highly doubt that substantive legislation to overhaul the convoluted U.S. tax code could win approval in a deeply divided Congress in an election year.

After the presidential and congressional contests are decided in November, a number of major tax and budget issues will converge on Washington and new momentum for comprehensive tax reform may follow, according to some analysts.

Treasury Secretary Timothy Geithner told a Senate committee last week that ?dozens and dozens? of tax loopholes were being targeted for closure, but that some tax incentives would be kept for ?creating and building stuff in the United States.?

Potomac Research analyst Greg Valliere said: ?Even if Geithner floats something and members of both parties say they?re interested, I simply cannot see a reform bill passing before the election, close to a zero percent chance.?

He added: ?I suppose anything would be possible in a lame-duck session in December, but something this huge and complex will require a thorough vetting, and that could take a year ? or much longer.?

The last major rewrite of the tax code came in 1986 under Republican President Ronald Reagan, who raised corporate taxes.

Republican presidential candidate Mitt Romney on Tuesday called for a flatter, fairer and simpler tax code. He is scheduled to make a major economic speech on Friday in Detroit.

Corporations are clamoring for a cut in corporate taxes from the top rate of 35 percent. That level is one of the world?s highest, though few U.S. corporations actually pay it due to assorted loopholes that make their effective tax rates lower.

Obama last week unveiled a $3.8 billion budget-and-tax proposal that called for aggressive government spending to boost the economy and higher taxes on the rich.

Republican Representative Dave Camp, chairman of the U.S. House of Representatives tax-law writing Ways and Means Committee, wants to slash the top corporate rate to 25 percent.

On Friday, Congress approved extending a payroll tax cut through the end of 2012. Its expiration will coincide with several other fiscal earthquakes: the expirations of individual tax cuts enacted under President George W. Bush, and $1.2 trillion in automatic budget cuts across all government programs imposed as part of last year?s deal to raise the debt ceiling.

(Reporting by Jeff Mason, Kim Dixon, Kevin Drawbaugh, Patrick Temple-West; Editing by Eric Beech, Howard Goller)

Source: http://g7finance.com/global-news/obama-corporate-tax-plan-to-be-unveiled-wednesday/

nlcs nlcs josh beckett 999 plan the village detroit weather detroit weather

How To Make a Small Room Look Bigger | Home Improvement On ...

If you have a house with small rooms, then you will think back to add furniture, home decor, or do anything else, because it is very difficult for small spaces plus furniture. But do not worry, because home improvement have a way to make a small room look bigger. That way, the room will be more fun, and functional.

The first thing is to change the wall color. This is the most simple and inexpensive. You can make small rooms look great. You can use blue or green, this will make the room brighter and bigger. Use a light painting trim pieces to enhance your home decor.

Next, you need to simplify the furniture in the room. With this step you can maximize what you do. Try to remove the largest furniture, because they can make the room smaller than you imagine. Try to use a multifunctional furniture. Then, arrange the furniture in such a way that you can see the floor. Do not put a big rug. That way you will be decorating a small room look nicer.

Make a Small Room Look Bigger  Tips Make a Small Room Look Bigger

You have to reduce the chaos in the small space. For example, you must reduce the knick knacks, picture frames, and more. This can reduce clutter in the room. To make small rooms look great, then you can create a focal point to set everyone?s eyes focused on something. This will prevent people to see the existing mess.

Use of natural light. This is the best idea for small spaces. You can use a thin window treatment to hide the window, but you have to choose window treatments that can be closed and opened. Ceiling lights is a good idea because it can cause the illusion of a good height and will enhance your home decor.


Original Post In >> HomeImprovementBiz.com >> Tips Make a Small Room Look Bigger

Related Post:

Source: http://homeimprovementbiz.com/home-decor/tips-make-a-small-room-look-bigger.html

payroll tax aisha khan alanis morissette vanessa bryant vanessa bryant nfl mock draft 2012 adam lambert

Tuesday, February 21, 2012

Obama peddles modest American dream

President Barack Obama speaks at a production facility of a Boeing plant in Everett, Wash., Friday, Feb. 17, 2012. (AP Photo/Susan Walsh)

President Barack Obama speaks at a production facility of a Boeing plant in Everett, Wash., Friday, Feb. 17, 2012. (AP Photo/Susan Walsh)

(AP) ? This time around, President Barack Obama's message can sound decidedly down-to-earth.

Four years after winning the White House, Obama is dealing with a different economic and political reality as he seeks re-election. He's focused less on a lofty vision for overcoming divisions and remaking Washington, and more on the most basic building blocks of middle-class economic security: a job, a house, a college education for the kids, health care, money for retirement.

What Obama describes as the American Dream can seem a spare, fundamental aspiration, tailored for a campaign that looks to be fought over who is best equipped to safeguard the interests of middle-class Americans.

The question is whether it will convince, even as Mitt Romney and the other GOP presidential hopefuls mount a counter-argument that the president has made the American Dream harder, not easier, to achieve. And Obama must overcome the grinding realities many voters confront daily, even with the economy showing signs of life: no jobs, mortgages they can't pay, dwindling retirement funds and college savings.

The president is betting that if he shows voters he understands their yearning for economic stability and security, they'll reward him over Republicans he's casting as just watching out for the rich ? even though he hasn't succeeded in fully reviving the economy so far.

"If you're willing to put in the work, the idea is that you should be able to raise a family and own a home; not go bankrupt because you got sick, because you've got some health insurance that helps you deal with those difficult times; that you can send your kids to college; that you can put some money away for retirement," Obama said recently in Cedar Rapids, Iowa.

"That's all most people want," he said. "Folks don't have unrealistic ambitions. They do believe that if they work hard they should be able to achieve that small measure of an American Dream."

The goals can seem almost humdrum in comparison with some of the rhetoric from Obama's 2008 White House campaign. But the message sounds made for the times, with the country emerging haltingly from recession, the income gap widening and unemployment stuck above 8 percent.

"He can't run on change because he's the incumbent, and he can't paint too rosy a scenario because things aren't that rosy," said John Geer, professor of political science at Vanderbilt University. "He's got to come up with a theme that appeals to voters, especially middle-class voters, alleviates their fears and gives them reason to believe the future will be better."

The message also creates an implicit contrast with the portrait Democrats are trying to create of front-runner Romney as preoccupied with the concerns of the rich. But Romney is answering Obama's message head-on, seeking a careful balance between sounding optimistic about the nation's future and accusing Obama of destroying the American Dream.

"I've met Hispanic entrepreneurs who thought they had achieved the American Dream and are now seeing it disappear," Romney said after his recent victory in Florida's GOP primary. "We want to restore America to the founding principles that made this country great."

GOP candidates Rick Santorum and Newt Gingrich also have accused Obama of tarnishing American opportunity, as Republicans make clear that no matter their nominee, Obama's claim to be the one to restore the American Dream is sure to be challenged.

The candidates' focus on the American Dream is in itself a sign of the times, said Michael Ford, founding director of the Center for the Study of the American Dream at Xavier University. The phrase was coined during the Great Depression and since then has tended to become a central theme during economic downturns, Ford said.

He said rhetoric about the American Dream has been featured during this election cycle more than in decades, which he attributed to the tough times the nation has been suffering.

"It's pretty basic stuff (Obama) talks about and I think as it turns out that's pretty much where the dream is right now," Ford said. "We can say the dream might have been lowered a little bit in terms of its aspiration but the aspiration is still there, and it's always there."

Some polling suggests that, despite voters' continued unhappiness with the economy and Obama's handling of it, the president may be convincing Americans he's on their side. A recent CBS/New York Times poll shows people view Obama as the candidate who best understands the needs and problems of "people like you," and see his policies as more apt than those of the GOP candidates to favor the middle class or the poor.

Obama campaign adviser David Axelrod said "the viability of the middle class is the central economic challenge of our time, so I think that this is very essential in terms of this election."

"He's been talking about this for years, that there are certain things that are pillars of a middle-class life, and he's been very focused on those things and addressing them as president," Axelrod said.

___

AP Deputy Director of Polling Jennifer Agiesta contributed to this report.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/386c25518f464186bf7a2ac026580ce7/Article_2012-02-21-Obama-American%20Dream/id-342f67f6cc024cabb71783c8a20e662e

phoebe prince jose reyes college football bowl schedule college football bowl schedule double mastectomy 2011 bowl schedule bcs games

Home Security ? Swimming Pools - Kusiquyllur Home Improvement ...

2925052896 3f33f6d5c4 m Home Security   Swimming Pools

Is your swimming pool safe? Here are some facts to consider:

? A person can drown in a few inches of water within a few seconds.
? Most child drowning accidents (and deaths) occur while the victim is being supervised.
? In most instances the child was out of sight for less than 5 minutes.
? Most drowning victims are under the age of 5.
? More than 300 children, under 5 years of age, drown in swimming pools, in the U.S. each year.

A drowning typically happens very quickly and without warning. When the safety of loved ones is left solely to the watchful eyes of humans, the chances of an incident are far greater. Implementing mechanical swimming pool security precautions can?t completely guarantee against accidental drowning, but it certainly can minimize the risk. Security fencing and a wide variety of alarms are readily available to assist with swimming pool security.

Perhaps the most simplistic and most commonly overlooked security feature is fencing.

Fencing can be permanent or removable. In its simplest version, one can purchase mesh nylon fencing that can easily be attached to existing columns or attached to decorative posts that are placed around the perimeter of the pool. Prefabricated metal panels are also an attractive and affordable option.

Assuming you have fencing in place, gate alarms are a very effective safety feature. The alarm is mounted directly on your pool?s gate. They are battery powered and emit a loud alarm when the gate is opened and the magnetic field is broken. The alarm can be temporarily disabled by when an adult presses an override button. Installation is simple. One minor drawback would be the need to constantly monitor the battery strength to ensure the alarm is functional.

When the pool is accessed by a door leading from the house, an audible door alarm is a valuable security item.

As the door opens a loud beep or chime is heard. Door alarms can be powered by batteries or the home?s electrical current. Sometimes these alarms become a nuisance due to the fact that they?re activated every time the door opens. This can be annoying when adults or older children create the primary flow of traffic. Consequently, if the alarm is disengaged to avoid the annoying sound, you?re left with an unsecured entry point for your pool. Window alarms operate in similar fashion and might be of use if the pool could be accessed by opening a window.

Perimeter alarms use laser (infra red) light to create an invisible beam of light around the pool. When the beam is broken, by someone (or something) walking through it, it will cause the alarm to sound. The installation is very flexible but appropriate measures should be taken into account. It should be mounted low enough that a crawling child would activate it. However, be mindful that if a large pet has access to this area, it will constantly trip the warning device. Perimeter alarms can be rather expensive.

Wrist alarms are a relatively new product. These alarms are placed on the child?s wrist and locked into place. The wrist alarm communicates with a base station. The alarm on the base station is activated when the wrist alarm becomes submerged in water. A single base unit can support several compatible wrist alarms, making them reasonably inexpensive. Be warned, however, that these units are not operable in salt water.

Certainly any one of these security measures will help to create a safe swimming environment. However, it might be wise to consider a combination of these safety measures. Losing a child to a drowning accident is a horrible tragedy, but the odds can be greatly reduced by utilizing some of these options.

Source: http://www.kusiquyllur.org/2012/02/home-security-swimming-pools/

lego man cheryl hines john lackey john lackey ed lee ed lee garmin nuvi 1450

Monday, February 20, 2012

Standards For Systems Of Criminal Law Attorneys | Scripts ...

A synopsis concerning international criminal law and criminal defense attorneys is offered in this posting. So far as the law is concerned, all information written throughout this post is undoubtedly imprecise wherein visitors will be reminded that this is not a legitimate legal doc. It is preferable that you talk professionally with your criminal attorney to solve your legal troubles if you would like legitimate help and advice.

Criminal Law Tips

Criminal law is a type of law that handles the connection of the nation along with the individuals inside it. A crime therefore is really a breach of the rules produced by the sovereign government. Felony law codes or penal codes are collection of policies made by the us senate as well as the congress in order to rule the actions of it?s constituents. Felony law codes or penal codes are legal guidelines being totally enforced all over the world.

Defending the actual legal rights of suspected felons will be the specialty area of the criminal law firm. Felony Defense law firms always have the mission to prove their valued clientele are blameless. Diminished illegal allegations or dismissed criminal accusations have become the usual final results coming from gifted lawyers. The profession of shielding felons sometimes innocent or not is among the most most tricky divisions for being a lawyer as you have to safeguard an individual who may perhaps be accountable for a criminal offense.

Criminal Attorney Tips

People have the authority to connect with a Texas criminal law attorney no matter what component we are taking part in in the court of law, and it is as fundamental as searching with an on-line lawyer directory. Never tell all the details to the police directly. Lawyers have a wide array of specialization but in the presence of the court they are only seen as the criminal Defense and the prosecutor lawyer. Without exception decide on the law firm who is an expert in your predicament because they definitely will function as a major element in determining if justice that?s being done or not.

Know a little about your civic liberties. Dont let other people manipulate you just because you are the suspect. Innocence of every suspect is always presumed not unless hearing under the court of law has occurred. Always call Defense lawyers immediately if such needs arise.

Trimming down so as removing completely criminal charges against a person is the specialization of Illinois criminal law attorney. They meet and address questions to anyone that may be related to your case including the police and other witnesses. They persuade witnesses and other persons to witness on behalf of the suspects side. Justice and equality of rights such as the right to fair trial are the principles that these lawyers are fighting for. As part of the overall package of consulting a Defense lawyer, is being able to prepare for the possible difficulties that may arise in court.

Criminal Law Attorneys operating in Your State

An instance of a violation of international code is when a person does tremendous harm to other countries just like what Adolf Hitler, Osama bin Laden and other international criminals. All forms of terrorism that may enlarge to a war is the main objective to be prevented by international law codes. Among the special agreements being done within intercontinental law are the safety of offshore personnel coming from one country to another along with the reduction of some other infractions regarding intercontinental law.

Source: http://scriptspharmacyonline.com/standards-for-systems-of-criminal-law-attorneys/

ipad 2 cases movie times serene branson matthew mcconaughey to catch a predator davenport chris hansen

Sunday, February 19, 2012

Credit Counseling Agencies for Consumers | Fair Loan Rate ...

Posted on 17 February 2012

Consumer Credit Counseling Agencies help people to overcome financial crisis which they face. Living a financially independent life is not a challenging task, but continuing to do so successfully is quite difficult. It is a common trend in society to purchase goods on Credit Card. It enables the consumer to purchase goods quickly without the need of carrying cash everywhere. However, it does not take much time for this habit to become a big liability.

Consumer Credit Counseling Agencies ? Debt Fix


Creditors do everything under their authority to press the in debtor in repaying the debt. They usually call at home landline or cell phone which is very terrifying and stressful for most consumers. Consumer Credit Counseling Agencies help to raise the Credit Scores of consumers and provide precious information regarding financial procedures. At the end of the month, consumers find themselves unable to repay their installments regularly.

What Credit Counseling Agencies Do?

When a Consumer Credit Counseling Agency starts to work for a consumer, they usually contact the lender. After contact with the lender, these agencies, by law are not allowed to contact the debtor. It then becomes the responsibility of the lender to contact the debtor and inform regarding all progress and relief that is to be provided.

Debt Management Companies ? Lower Debt

Debt Management companies help consumers by lowering the entire amount of debt. They do so by reducing the interest rate and monthly repayment amount.

On the other hand, Finance Management companies contact lenders and manage the monthly repayments. For all the debt/loans, consumers only need to pay one installment.

Budget for Consumers ? Manage Expenses

Many companies help consumers by providing them with the much required guidance. A consumer may even work with the Credit Counseling Agency to prepare a monthly budget. These budgets may help the consumer to limit their spending and save money for other expenses.

Professional Advise ? Manage Your Debt

Credit Counseling Agencies not only help to create the budget but also help differentiate between the necessities and luxuries of life. Some simple and small measures can help the consumer greatly. When a consumer works with experts, he/she can expect to make quick progress and come out of financial distress quickly. Without professional financial guidance, it can be a very difficult task for consumers to regain financial stability.

Related Articles

Categorized | Credit Counseling

Tags: budgets, Consumer, consumer credit counseling, consumer credit counseling agency, Credit counseling, credit counseling agency, Credit Score, credit scores, creditors, debt loans, debt management, debt management companies, debtor, finance management, financial crisis, habit, independent, independent life, installments, interest rate, landline or cell, landline or cell phone, lender, liability, manage your debt, Management, Money, monthly budget, monthly repayment, Professional, repaying the debt, repayments, responsibility, save money, stress

Source: http://www.fairloanrate.com/2012/02/17/credit-counseling-agencies-for-consumers/

statue of liberty gold rush alaska gold rush alaska the addams family blue bloods temple grandin texas rangers

Source: http://naociusaf.posterous.com/credit-counseling-agencies-for-consumers-fair

sopa and pipa bills censoring the internet blackout blackout congress censored darvish

President's released budget would spell higher taxes for middle and ...

The president?s proposed budget would assume the 2001/2003 Bush era tax cuts would expire next year, and qualfied dividneds and capital gains would once again be taxed at ordinary income rates,? This will have a significant effect on the invvestment markets as well as investors, especially those in the middle class who would see an almost instant deprciation of their equity assets, while imposing a significant tax increase, making saving for retirement that much more difficult,? an income tax software?like TaxMode income tax calculator is only effective at projcting current income tax exposure.?? ExecPlan Express personal financial planning software, unlike simple retirement planning software, will allow you to look at long temr net worth projections assuming either the continuation of the current tax law, or the proposed ending of the Bush era tax cuts.

Source: http://www.execplanexpress.com/blog/index.php/financial-planning/presidents-released-budget-spell-higher-taxes-middle-upper-income-investors/

the vow review luol deng culkin wooly mammoth no child left behind no child left behind neurofibromatosis

Saturday, February 18, 2012

China detaining Tibetans returning from India: group (Reuters)

[unable to retrieve full-text content]Reuters - The Chinese government has detained several hundred Tibetans who returned from India after attending teaching sessions overseen by the Dalai Lama, and is forcing them to undergo political re-education, a human rights group said.

Source: http://us.rd.yahoo.com/dailynews/rss/china/*http%3A//news.yahoo.com/s/nm/20120217/wl_nm/us_china_tibet

9 9 9 delmon young sprint chris tucker phoenix jones danielle chiesi walter payton

Townhomes vs. Condos ? How do you know the difference ...

There are both townhomes and condominiums in and around the Houston area.? You will need to know the difference if you are interested in purchasing either homes.? A townhouse is considered a single family residence and the paper work for the Realtor and Lender is the same as a free standing home purchase.? If you are purchasing a condominium, there is additional and different paperwork for the Realtor and Lender to prepare and strict guidelines for financing.

How?do you know the difference between a?townhouse?and a condominium?? One way is to look at the legal description- in most cases, a townhome has a lot/block legal description and a condo will show ?unit __? of ?Building ___? or on tax records it will show style as being a condo.??If it is still unclear after looking at the tax records, the?next step would be to have a title company pull the title information on the property to see how it was legally recorded.

If you are purchasing a condominium, you need to understand that they are considered high risk properties.? The condition and value depend on the neighbors as much as the owners, so owner occupancy is very important.? If too many owners are using the condo as an investment property or second home, then it could limit the type of loan you can get on your condo.? If you are getting a conventional loan on your condominium you have to put down atleast 20% so there?will be no mortgage insurance required.? If you do a conventional loan with?less than 20% down, then you will be required to get mortgage insurance and the owner occupancy rate?must be atleast 75%.? So if the majority of the condos are used as?rental units or second homes and you don?t have 20% to put down, you will not be able to get a conventional loan.???For an FHA or VA Loan, the government rules state that the condo association must be on the approved list for either FHA or VA before you can do a loan through them.? The approved lists are available online.? If the property is not on the approved list, then you do have the option to submit to FHA or VA for approval, but this is a long process.??For the property to get approved for an FHA or VA Loan they will require that it has an owner occupancy of atleast 50%, there cannot be any lawsuits going on with the property, past dues cannot be more than 15%, and any other requirements they want to add.

It is definitely easier?and less risky to?purcahse a townhome, but?many condominiums are popular around the city and qualify for both?VA and FHA Loans.? Check with a Realtor at Register Real Estate Advisors to learn more about the?townhomes and condos in the area where you want to?relocate to.??Our agents can help you move into any home you choose!? Call us today to get started.

Liked this post? Share it!

Source: http://rrea.com/blog/townhomes-vs-condos-how-do-you-know-the-difference/

nick swisher pirates of silicon valley htc flyer tablet htc flyer tablet hank williams bruins steve jobs stanford commencement speech

Friday, February 17, 2012

Swiss Building A 'Janitor' Satellite For Space Junk

Robert Siegel speaks with Dr. Anton Ivanov, a scientist with the Swiss Space Center, about the CleanSpace One project. A team of scientists, including Ivanov, is developing a "janitor" satellite, which will remove debris now orbiting in space.

Copyright ? 2012 National Public Radio?. For personal, noncommercial use only. See Terms of Use. For other uses, prior permission required.

ROBERT SIEGEL, HOST:

Thousands of objects hurtle around the Earth in space at high speed: bits of defunct satellites and the rockets that launched them into orbit. In short: space junk. Well, now from Switzerland comes a solution to the problem of orbiting debris. The Swiss Space Center is working on a janitor satellite.

Back in 2009, Switzerland launched its own Cube satellite. That's a very small satellite. And now, some might say with characteristically Swiss attention to neatness, the Swiss intend to clean up after themselves.

Dr. Anton Ivanov is a scientist at the Swiss Space Center, and he joins us now from Lausanne.

Dr. Ivanov, welcome to the program.

DR. ANTON IVANOV: Hello.

SIEGEL: And I want you to describe for us what the janitor satellite, as it's been called, will actually do.

IVANOV: Well, first, after launch, we will have to target very precisely orbit of either Swiss Cube or CSat(ph), then we would approach the satellite using a propulsion system. And then there will be a proximity operation where we will have to actually rendezvous with that satellite, grab it, and then de-orbit it to burn in the atmosphere.

SIEGEL: Now, the Swiss Cube satellite, when I said it's small, it's really - it's just a 4-inch square essentially.

IVANOV: Exactly. It's a 4-inch square satellite. It follows what's known as a CubeSat standard, which was developed by Stanford University and Cal Poly University.

SIEGEL: If this janitor satellite is going to be worth the effort, shouldn't it collect more than one 10-centimeter squared satellite?

IVANOV: Yes, absolutely. This particular mission that we're proposing is going to be a technology demonstration. And at the same time, it will achieve a certain mission to remove our own satellite. Besides, we can only go after two satellites that are there in orbit from Switzerland.

SIEGEL: Because that's it for the Swiss satellite program, you said.

IVANOV: For the moment, yes. For the moment, yes. Then definitely, you are thinking about systems that will be able to collect more than one satellite and especially go after smaller debris and larger debris that are in orbit.

SIEGEL: Now, there have been, I gather, just a couple of junk collisions in space that have been noteworthy. And there are, I gather, over 15,000 things up there orbiting. At what point does it become so crowded up there with junk that collisions really would be a danger to be avoided on a routine basis?

IVANOV: Well, this is known as a Kessler effect. And once you're getting more and more junk and random collisions in space, they will start to multiply exponentially. And at some point, all orbits will be so littered with junk that collisions will be almost permanent, and we will not be able to fly operational satellites in low Earth orbits.

SIEGEL: When somebody launches a satellite, do they have any obligation under the law or under treaties as they exist now to, at some point, clean up after themselves and figure out how the satellite is supposed to go away?

IVANOV: I know on the side of the European Space Agency that now they are adopting policies that all of the satellites are supposed to be removed after 25 years. Now, for example, if we fly our Swiss Cube with an altitude of approximately 700 kilometers, it will take it more than 50 years to slow down significantly to re-enter the atmosphere. And this is unacceptable by today's standards that are required by the European Space Agency.

SIEGEL: Hence, the janitor.

IVANOV: Exactly.

SIEGEL: Well, Dr. Ivanov, thank you very much for talking with us.

IVANOV: Thank you very much.

SIEGEL: That's Anton Ivanov, who's a scientist at the Swiss Space Center. And he spoke to us from Lausanne, Switzerland.

Copyright ? 2012 National Public Radio?. All rights reserved. No quotes from the materials contained herein may be used in any media without attribution to National Public Radio. This transcript is provided for personal, noncommercial use only, pursuant to our Terms of Use. Any other use requires NPR's prior permission. Visit our permissions page for further information.

NPR transcripts are created on a rush deadline by a contractor for NPR, and accuracy and availability may vary. This text may not be in its final form and may be updated or revised in the future. Please be aware that the authoritative record of NPR's programming is the audio.

Source: http://www.npr.org/2012/02/16/147002694/swiss-building-a-janitor-satellite-for-space-junk?ft=1&f=1007

pawpaw pawpaw cantaloupe cantaloupe credit union greys anatomy greys anatomy

Sudbury, MA Chiropractors Offer Natural Pain Relief Without Using ...

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

Pills cannot provide needed relief for every type of ache or pain that can torment the human body. While you might be able to use an antacid for a stomach problem or cough medication to help with a cold, some aches and pains go far beyond the reach of these types of help for the relief. In many of these situations, a Sudbury chiropractor offers effective pain relief.

Back pain does not always respond to medication, even the medication that can only be provided by a doctor. However, many pain sufferers feel that there is hope and help for their pain. Chiropractic care offers a natural method of relieving one?s pain.

Natural methods offered by chiropractors are non-invasive yet remain effective. These natural methods can help offer pain relief without the side effects caused by many medications. Chiropractic care provides a proven method of gentle and safe relief in many cases.

Some people see chiropractors as bone crackers, but this could not be further from the truth. Chiropractors use gentle methods that ensure natural healing of one?s body and to reduce pain. The doctor may make use of a chiropractic adjustment that can restore the alignment of the spine and restore balance to the body. Many patients experience healing after the adjustment.

Other types of therapy may also be used by chiropractors to provide pain relief to their patients. This therapy can be used in conjunction with the spinal adjustment or can be used on their own. Common kinds of therapy used in chiropractic clinics include electronic stimulation (TENS units), ultrasound, acupuncture, physical therapy, and yoga.

Therapy by a Sudbury chiropractor offers an effective method of pain relief. This gentle and non-invasive method of dealing with pain relief can help injuries to heal so that they do not experience the pain associated with injuries and do not have the side effects that are often associated with pain medication.

Chiropractic care alleviates pain quickly and naturally. You will get more information about a respected Sudbury chiropractor at http://www.jenniferlees.com right now.

Related Posts Plugin for WordPress, Blogger...

Source: http://newhealthandfitness.org/2012/02/15/sudbury-ma-chiropractors-offer-natural-pain-relief-without-using-medication/

tim lincecum miramonte elementary school karl rove mark jenkins susan powell stacy keibler stacy keibler