Monday, February 27, 2012

Luxury House Decorating Ideas 2012 | Noahs Window

interior designThis a selection ofLuxury House, Interior Decoration and Decor ideas also available on http://www.weplan.com.au
interior
design
Decorating
interior design
interior decorating
before and after
makeover
makeovers
room makeover
home makeover
interior design ideas
Interior Designer
home
decor
room
redecorate
home decor
remodel
remodeling
room design ideas
san diego
bedroom
living room
kitchen
bathroom
furniture
decorating ideas
trends
tips
transformation house
design ideas
room decor
style
transform
Rebecca Robeson
robeson
home improvement
renovate
design team
design firm
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This entry was posted in Interior Design and tagged 2010, bathroom, bedroom, before and after makeover, decor, decorating, designer, environment, HD, home, ideas, IKEA, interior, interior design, interior designs, kitchen, living room, makeovers, modern, redecorate, remodel, remodeling, room, spa by admin. Bookmark the permalink.

Source: http://www.noahswindow.com/interior-design/luxury-house-decorating-ideas-2012

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Sunday, February 26, 2012

Who Needs Elder Care? ? All About Everything

[unable to retrieve full-text content]Family members of senior patients suffering from Alzheimer's and other similar diseases mostly like to have the patient stay in the home environment with the help of elder care services. The elder care service can be accessed ...

Source: http://allbout.info/who-needs-elder-care/

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Saturday, February 25, 2012

Testimony by survivor of Rwanda's genocide resumes (AP)

[unable to retrieve full-text content]AP - A Rwandan woman who survived the 1994 genocide said she never mentioned the name of a New Hampshire woman charged with lying about her role in it during a decade of investigations because no one asked her.

Source: http://us.rd.yahoo.com/dailynews/rss/africa/*http%3A//news.yahoo.com/s/ap/20120224/ap_on_re_us/us_rwanda_genocide_citizenship

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Schumer visits Griffiss, pushing for Military Airport Program funding

Story Created: Feb 24, 2012 at 6:22 PM EST

Story Updated: Feb 24, 2012 at 6:22 PM EST

ROME, N.Y. (WKTV) - U.S. Senator Charles Schumer visited Griffiss International Airport in Rome on Friday, announcing his push to re-secure Military Airport Program (MAP) funding to the airport.

The airport had been receiving $40 million in MAP federal funding from 2004 to 2010 to help it transition from a military airport to civilian use until it lost its slot to a Brunswick, ME airport.

Previously, only one former military-turned-general aviation airport was eligible for the funding, but now through the passing of a recent Federal Aviation Administration (FAA) bill backed by Schumer, three former military airports can receive the funds. Schumer says he is hopeful Griffiss will receive the money, helping the airport continue to expand and create jobs.

"It's really crucial, because this airport is growing," Senator Schumer said. "It actually has more jobs now than it had when Griffiss was an Air Force base."

Schumer says they will move forward by creating many construction jobs and opening up avenues for new business.

"It encourages businesses here, because if a business can be right at an airport and its executives, especially with lots of branches where it's executives can fly in and out quickly and easily, that's a place they want to come," says Schumer.

Griffiss would use the funds to build a new terminal building as well as renovate two former military hangars to help establish the airport as a maintenance hub for the Northeast.

Source: http://www.wktv.com/news/local/Schumer-visits-Griffiss-pushing-for-Military-Airport-Program-funding-140367343.html

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Friday, February 24, 2012

What can animals' survival instincts tell us about understanding human emotion?

Thursday, February 23, 2012

Can animals' survival instincts shed additional light on what we know about human emotion? New York University neuroscientist Joseph LeDoux poses this question in outlining a pioneering theory, drawn from two decades of research, that could lead to a more comprehensive understanding of emotions in both humans and animals.

In his essay, which appears in the journal Neuron, LeDoux proposes shifting scientific focus "from questions about whether emotions that humans consciously feel are also present in other animals and towards questions about the extent to which circuits and corresponding functions that are present in other animals are also present in humans."

The neurological common ground between humans and animals includes brain functions used for survival. It is here, LeDoux contends, that researchers may gain new insights into both humans' and animals' emotions.

"Survival circuit functions are not causally related to emotional feelings, but obviously contribute to these, at least indirectly," he writes. "The survival circuit concept integrates ideas about emotion, motivation, reinforcement, and arousal in the effort to understand how organisms survive and thrive by detecting and responding to challenges and opportunities in daily life. Included are circuits responsible for defense, energy and nutrition management, fluid balance, thermoregulation, and procreation, among others."

LeDoux acknowledges that research on feelings is "complicated because feelings cannot be measured directly. We rely on the outward expression of emotional responses, or on verbal declarations by the person experiencing the feeling, as ways of assessing what that person is feeling. This is true both when scientists do research on emotions and when people judge emotions in their social interactions with one another."

We are even more limited in interpreting animals' emotions.

"When a deer freezes to the sound of a shotgun we say it is afraid, and when a kitten purrs or a dog wags its tail, we say it is happy," writes LeDoux, who is also director of the Emotional Brain Institute, part of the Nathan S. Kline Institute for Psychiatric Research. "We use words that refer to human subjective feelings to describe our interpretation of what is going on in the animal's mind when it acts in way that has some similarity to the way we act when we have those feelings."

But while he concedes that "we will never know what an animal feels," the basis for our interpretations of their emotions could eventually become more informed.

"If we can find neural correlates of conscious feelings in humans?and distinguish them from correlates of unconscious emotional computations in survival circuits?and show that similar correlates exists in homologous brain regions in animals, then some basis for speculating about animal feelings and their nature would exist," LeDoux posits.

LeDoux, a professor in NYU's Center for Neuroscience and Department of Psychology, has worked on emotion and memory in the brain for more than 20 years. His research, mostly on fear, shows how we can respond to danger before we know what we are responding to. It has also shed light on how emotional memories are formed and stored in the brain. Through this research, LeDoux has mapped the neural circuits underlying fear and fear memory through the brain, and has identified cells, synapses, and molecules that make emotional learning and memory possible.

In addition to numerous publications in scholarly journals, LeDoux has published books that present his work to a wider audience, including The Emotional Brain (Simon and Schuster, 1998), which focuses mainly on emotion, and Synaptic Self: How Our Brains Become Who We Are (Viking, 2002), which casts a broader net into the areas of personality and selfhood.

###

New York University: http://www.nyu.edu

Thanks to New York University for this article.

This press release was posted to serve as a topic for discussion. Please comment below. We try our best to only post press releases that are associated with peer reviewed scientific literature. Critical discussions of the research are appreciated. If you need help finding a link to the original article, please contact us on twitter or via e-mail.

This press release has been viewed 10 time(s).

Source: http://www.labspaces.net/117817/What_can_animals__survival_instincts_tell_us_about_understanding_human_emotion_

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Wednesday, February 22, 2012

Online Marketing Using Video | FCYD

Introduction

Be it a small business, Brand and Product promotion or Business listing enhancement, offering custom web videos to customers by adding a video to the respective website, search engines like you tube or social networking sites like Facebook is largely preferred by marketers world wide for it brings out highest viewership among the internet users.

Research conducted by Turnhere and Forrester Research further emphasizes the effectiveness of online marketing through videos. According to a survey conducted by Turnhere a web video solutions company, a majority of brand and agency marketers use video with branded content for their online marketing. A research conducted by Forrester Research using the search engines like Google, MSN, Yahoo and You tube to know the way search engine?s respond to common queries revealed that optimizing video content is the best way to get a first page organic ranking in search engines.

Advantages

Time: Compared to conventional marketing less cycle time is required to design an internet marketing campaign via online videos.

It hardly takes 11/2 hours to shoot a 60 second custom video

Money: It is fairly inexpensive considering online videos remain online forever. The company need not have to shell out a hefty amount on advertisement and market research requirements.

Coverage: Internet has penetrated all corners of the world as businesses and humans from all over the world are benefitted.

More and more internet users are buying products and services online.

Strategies:

Certain strategies have to be kept in mind while making an online video in order to reach the target audience.

Title: Appropriate and relevant keywords in title as title to bring in targeted traffic

Content: Valuable, Attractive and short content. It should educate, answer questions, narrate a compelling story and share some business secrets. Remember one thing useful content always get huge audience even though you do only minimum promotion or marketing, So always give more attention to your content.

URL: Display website address and email id as per your requirements.

Branding: Company?s logo to be displayed prominently.

Campaign: Regular publication of series of content rich videos. It also helps in building your brand awareness as well.

Optimize: Use keywords in video titles, video descriptions and tags

Conclusion:

Online video marketing is an arena growing year by year as internet buyers are growing exponentially. So online video marketing is the future for businesses to stay and flourish through customer acquisition and their retention.

Source: http://fcyd.org/online-marketing-using-video

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Queens Crap: Party's over, pal

From the NY Post:

City zoning can be taxing, and one Bronx pol is about to find that out the hard way.

Democratic State Sen. Jeffrey Klein?s law firm, on a residential street in Morris Park, has run afoul of zoning codes and will now have to pay thousands more in property taxes, the city said.

After a Post inquiry last week, the Finance Department looked into whether Klein?s firm was being taxed at the appropriate level, and found it wasn?t.

So the Finance Department will reclassify the building as a commercial property. Its former residential classification carries a lower tax rate.

Source: http://queenscrap.blogspot.com/2012/02/partys-over-pal.html

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Top U.N. inspectors in Iran talks on atom bomb accusations (Reuters)

[unable to retrieve full-text content]

FILE - In this Tuesday, Feb. 14, 2012 file photo, police officers stand around an Israeli diplomat's car that was damaged in an explosion in New Delhi, India.. In New Delhi, the wife of an Israeli diplomat and three others were injured by attackers using magnetic bombs, the same tactic used to kill a senior nuclear official in Tehran last month in an attack that Iran claims was masterminded by Israel.  (AP Photo/Mustafa Quraishi, File)Reuters - Senior U.N. inspectors arrived in Iran on Monday to push for transparency about its disputed nuclear program and several European states halted purchases of Iranian oil as part of Western moves to pile pressure on a defiant Tehran.


Source: http://us.rd.yahoo.com/dailynews/rss/iran/*http%3A//news.yahoo.com/s/nm/20120220/wl_nm/us_iran_nuclear

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Santorum calls Obama health program bad for marriage (reuters)

Share With Friends: Share on FacebookTweet ThisPost to Google-BuzzSend on GmailPost to Linked-InSubscribe to This Feed | Rss To Twitter | Politics - Top Stories News, News Feeds and News via Feedzilla.

Source: http://news.feedzilla.com/en_us/stories/politics/top-stories/202500670?client_source=feed&format=rss

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Tuesday, February 21, 2012

Tohoku grim reminder of potential for Pacific Northwest megaquake

Tohoku grim reminder of potential for Pacific Northwest megaquake [ Back to EurekAlert! ] Public release date: 21-Feb-2012
[ | E-mail | Share Share ]

Contact: Mike Wolterbeek
mwolterbeek@unr.edu
University of Nevada, Reno

University of Nevada, Reno geophysicist presents study at science conference in Vancouver, B.C.

RENO, Nev. The March 11, 2011 Tohoku earthquake is a grim reminder of the potential for another strong-motion mega-earthquake along the Pacific Northwest coast, geophysicist John Anderson of the University of Nevada, Reno told members of the American Association for the Advancement of Science in a lecture at their annual conference in Vancouver, B.C. Sunday.

"The Cascadia fault line, which runs from southern Canada all the way to Northern California, could have much stronger ground-motions than those observed in Japan," Anderson, a professor of geophysics, said. "The Tohoku earthquake, while only half the length of Cascadia, is an analog for an earthquake that could happen here in the northwestern United States and southwestern British Columbia."

Both Japan and Cascadia sit above subduction zones that dip at a low angle beneath the land. One might consider them roughly mirror images, he said.

"In this mirror image, one can see that if the same earthquake occurred in Cascadia, the fault would rupture to a significant distance inland, since the Cascadia trench sits much closer to the coastline than the trench off the coast of Japan, Anderson said. "Some models predict that a Cascadia earthquake will not rupture so far under the land, but if it does, the data from the Tohoku earthquake predict stronger ground motions along our west coast than those seen in Japan. In any case, the ground motions from Tohoku are critical for understanding the seismic hazard here in Vancouver, and in Seattle, and Portland, and Eureka and all points in between."

In Cascadia, the last great earthquake occurred on January 26, 1700. Based on the size of the tsunami, the magnitude of that earthquake was about magnitude 9.0.

"Although the average interval is apparently larger, earthquakes of this size in the past may have recurred with intervals of as small as about 300 years. So it would not be a scientific surprise if such an event were to occur in the near future," Anderson said. "If you live in the Pacific northwest, look at the videos of Tohoku as a reminder to be prepared for an earthquake and tsunami."

Anderson, who studies strong ground-motions, spent nine months recently as a visiting research professor at the prestigious Tokyo University, home of one of the world's premier seismology programs. Before coming to the Universtiy of Nevada, Reno in 1998, he earned his doctorate in geophysics from Columbia University and has held appointments at the California Institute of Technology, University of Southern California and the University of California at San Diego.

In his presentation at the AAAS conference, about the strong ground motions in the Tohoku earthquake, he discusses the significance of the data, the effects of the source on the nature of the data, the effects of site response, and some discussion of the engineering effects.

"There have of course been other mega-earthquakes, but this is by far the best-recorded," he said. "The Japanese event will undoubtedly stand as the best-recorded megaquake for a long time to come, both because megaquakes are rare and because no place is as well instrumented as the islands of Japan."

For instance, the strong ground motions that could be generated along Cascadia, unfortunately, might not be observed nearly as thoroughly, since the strong motion instrumentation in most of the Cascadia region is sparse compared to Japan.

Anderson said that in spite of the occasional records with high accelerations, damage to structures from the shaking in Tohoku was reduced by high building standards, and because the ground velocities caused by the earthquake were not high enough to cause damage even at sites with peak acceleration over 1g.

###

Nevada's land-grant university founded in 1874, the University of Nevada, Reno has an enrollment of 18,000 students and is ranked in the top tier of the nation's best universities. Part of the Nevada System of Higher Education, the University has the system's largest research program and is home to the state's medical school. With outreach and education programs in all Nevada counties and with one of the nation's largest study-abroad consortiums, the University extends across the state and around the world. For more information, visit www.unr.edu.


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

?


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


Tohoku grim reminder of potential for Pacific Northwest megaquake [ Back to EurekAlert! ] Public release date: 21-Feb-2012
[ | E-mail | Share Share ]

Contact: Mike Wolterbeek
mwolterbeek@unr.edu
University of Nevada, Reno

University of Nevada, Reno geophysicist presents study at science conference in Vancouver, B.C.

RENO, Nev. The March 11, 2011 Tohoku earthquake is a grim reminder of the potential for another strong-motion mega-earthquake along the Pacific Northwest coast, geophysicist John Anderson of the University of Nevada, Reno told members of the American Association for the Advancement of Science in a lecture at their annual conference in Vancouver, B.C. Sunday.

"The Cascadia fault line, which runs from southern Canada all the way to Northern California, could have much stronger ground-motions than those observed in Japan," Anderson, a professor of geophysics, said. "The Tohoku earthquake, while only half the length of Cascadia, is an analog for an earthquake that could happen here in the northwestern United States and southwestern British Columbia."

Both Japan and Cascadia sit above subduction zones that dip at a low angle beneath the land. One might consider them roughly mirror images, he said.

"In this mirror image, one can see that if the same earthquake occurred in Cascadia, the fault would rupture to a significant distance inland, since the Cascadia trench sits much closer to the coastline than the trench off the coast of Japan, Anderson said. "Some models predict that a Cascadia earthquake will not rupture so far under the land, but if it does, the data from the Tohoku earthquake predict stronger ground motions along our west coast than those seen in Japan. In any case, the ground motions from Tohoku are critical for understanding the seismic hazard here in Vancouver, and in Seattle, and Portland, and Eureka and all points in between."

In Cascadia, the last great earthquake occurred on January 26, 1700. Based on the size of the tsunami, the magnitude of that earthquake was about magnitude 9.0.

"Although the average interval is apparently larger, earthquakes of this size in the past may have recurred with intervals of as small as about 300 years. So it would not be a scientific surprise if such an event were to occur in the near future," Anderson said. "If you live in the Pacific northwest, look at the videos of Tohoku as a reminder to be prepared for an earthquake and tsunami."

Anderson, who studies strong ground-motions, spent nine months recently as a visiting research professor at the prestigious Tokyo University, home of one of the world's premier seismology programs. Before coming to the Universtiy of Nevada, Reno in 1998, he earned his doctorate in geophysics from Columbia University and has held appointments at the California Institute of Technology, University of Southern California and the University of California at San Diego.

In his presentation at the AAAS conference, about the strong ground motions in the Tohoku earthquake, he discusses the significance of the data, the effects of the source on the nature of the data, the effects of site response, and some discussion of the engineering effects.

"There have of course been other mega-earthquakes, but this is by far the best-recorded," he said. "The Japanese event will undoubtedly stand as the best-recorded megaquake for a long time to come, both because megaquakes are rare and because no place is as well instrumented as the islands of Japan."

For instance, the strong ground motions that could be generated along Cascadia, unfortunately, might not be observed nearly as thoroughly, since the strong motion instrumentation in most of the Cascadia region is sparse compared to Japan.

Anderson said that in spite of the occasional records with high accelerations, damage to structures from the shaking in Tohoku was reduced by high building standards, and because the ground velocities caused by the earthquake were not high enough to cause damage even at sites with peak acceleration over 1g.

###

Nevada's land-grant university founded in 1874, the University of Nevada, Reno has an enrollment of 18,000 students and is ranked in the top tier of the nation's best universities. Part of the Nevada System of Higher Education, the University has the system's largest research program and is home to the state's medical school. With outreach and education programs in all Nevada counties and with one of the nation's largest study-abroad consortiums, the University extends across the state and around the world. For more information, visit www.unr.edu.


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

?


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


Source: http://www.eurekalert.org/pub_releases/2012-02/uonr-tgr022112.php

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Lower blood pressure with self hypnosis

If you are interested in getting rid of your higher blood pressure then it has been highly recommended that you should be aware of the methods and strategies which can be improvised for this purpose. Higher blood pressure is mostly because of instability of relaxation in your life and there are many other problems as well which are linked with it. You may be going on the wrong side of your life if you don?t have any idea how to lower blood pressure with the power of mind. Human mind is very powerful and it can surely allow an individual to get top notch results as well. If you are going to utilize your mind with excellence then you will be able to observe great benefits in your life.

There are numbers of people all around the world who are going through this particular problem of their life and they have no clue how to reduce higher blood pressure.

Most of the people believe that medication is the best way to do it though this particular conception regarding medication is wrong as there are various side effects which are associated with it. There will be some really higher levels of complications for you in your life with medications and you may be going into deeper problems with it.

?One must never forget that medication is just for those who are going through some really higher level of diseases and their cases are intense as well. It is not for those who are just going through normal issues. If you have high blood pressure problems and this is not of intense level then it can be easily handled. All you have to do is to just improvise self hypnosis so that you will be able diminish higher blood pressure.

There are many unique and simple mind states in which one can surely attain top notch benefits with ease. One of the best among these states is the Alpha Brainwave state. This particular state can surely allow you to improvise a very well balanced life and there will be no issues for you with respect to stress and anxiety.

?There are numbers of people all around the world who are getting superb benefits from this special state of mind in which you can also get proper relaxation with ease. Proper relaxation will surely allow you to get rid of higher blood pressure and bring it back to the normal level with ease. You can easily enter in the Alpha Brainwave state with various easy methods and techniques and they are not time consuming as well. All you have to do is to just make sure that you are going to give some time of your daily routine life to this particular state of mind and there will be no issues for you to lower blood pressure with self hypnosis in this particular state of your mind.

Source: http://health.ezinemark.com/lower-blood-pressure-with-self-hypnosis-7d341a090666.html

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How to choose Sociable Search engine optimization Computer ...

Choosing the perfect cultural : search engine optimisation building links computer software : The need of Search engine marketing Software program

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Unfortunately, traffic generation in the huge google, Yahoo along with Live messenger might be one of the greatest frustrations most web online marketers face. It's something such as a dog wanting to follow his or her own end, you are going rounded along with rounded along with rounded but sooner or later find themselves in the same location you began!

Yahoo and google, Yahoo, Live messenger and enquire of.net get a very important factor in common. They have a formula to rate your pages/websites. The truth is, no search results shows their particular criteria. And so the Search engine marketing experts continually measure the webpages in addition to their ranking online. In comparison to the subsidized results a gamers want to gain access to the genuine details supplying internet sites. This is just organic search powerplant targeted traffic. This particular visitors are very helpful to the enterprise. As the targeted traffic via organic search powerplant may be the best one for the enterprise, each and every online business internet marketer is a bit more considering getting organic search powerplant targeted traffic as opposed to subsidized targeted traffic.

Although many companies choose to use your services of a skilled search engine optimisation building links computer software, others decide to dive right in along with control their particular online campaign requirements in-house with Search engine marketing equipment. Pertaining to hiring a skilled SEO company, the cost may be the major restriction. You need to energy at the very least 500 USD each month. And the total technique of Search Engine Optimization (Search engine marketing) will need a minimum A few months to obtain benefits. Moreover the cost may differ in respect to the competition of the keywords and phrases chosen. To put it differently, a solid copy regarding fund is required regarding Search engine marketing which can not be provided by the brand-new internet marketer.

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Assesses backlinks on the internet, Yahoo, AlltheWeb, Live messenger, Altavista.

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Figures the amount of PR0-10 websites connecting to your site

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Whether the internet site influences Yahoo Listing along with DMOZ.org,

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Informs along with keeps a every day, once a week, along with regular monthly adjust file of in which your internet site is rated for almost any key word

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So regarding successful search engine marketing, there's a demand for excellent search engine optimisation computer software. This may be necessary to the two novices as well as the seasoned guys. Along with good quality computer software, you'll be able to promote your items off to the right people more effectively. So a good Search engine marketing computer software targets on the top quality targeted traffic, along with internet sites being used in the very best position offers you the greatest Company.

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Source: http://www.howwouldyouspendit.com/how-to-choose-sociable-search-engine-optimization-computer-software-seo-link-building-computer-software/

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High-Deductible Health Insurance Pinches Workers From Both Sides

Like many Americans, Debbie Bass' health insurance policy is utterly confounding: It's more expensive than it used to be, but the coverage is worse and the rules just seem to get more arcane.

Last year, her health plan paid for surgery, chemotherapy and radiation to treat her colorectal cancer. This year, her employer switched to a new plan, which won't even pay for a $39 box of ostomy bags.

Bass, a 57-year-old school bus driver from Hazlehurst, Ga., is among a rising number of Americans with shrinking health benefits and expanding deductibles. Bass said her new plan costs $333 per month to cover her and her husband, up from $210. The plan also comes with a staggering $3,000 deductible. Though her employer put $1,000 into an account to help pay for medical bills, Bass has already spent half of it on prescription drugs and other expenses. She'll soon need to find an extra $2,000 before her insurance kicks in.

Easier said than done. Bass takes home $395 a month. Her husband's disability benefits bring in another $1,285. "We are completely broke," she said. Her oncologist ordered a PET scan to check whether the cancer has stayed away, but she doesn't know how much it costs or whether her plan will cover it. She's going in for the test anyway.

High-deductible health insurance is becoming more common, according to survey data reported by the Employee Benefit Research Institute last December. In 2011, 27.7 million working-age people were enrolled in a health plan with a deductible of at least $1,000 for individuals and $2,000 for families. The proportion of insured Americans who have this type of coverage has more than doubled since 2005, the report says.

A trip to the local drugstore to pick up ostomy supplies led to a rude awakening: The debit card for Bass' medical expense account was rejected. She was told she couldn't use those funds for the supplies, but has not been able to get a clear explanation from her insurer as to why. "They keep giving me different excuses," she said. "They make things so complicated." She has applied for financial aid from the Virginia-based Patient Advocate Foundation to help pay for the supplies.

Employers opt for high-deductible health insurance for a simple reason: cost. The average annual cost of employer-sponsored health benefits has more than doubled since 2001, reaching $15,073 for the company and employee combined last year, according to a survey by the Henry J. Kaiser Family Foundation and the American Hospital Association's Health Research and Educational Trust. By contrast, family coverage through a high-deductible plan with a health savings account costs an average of $13,704. The shift mirrors the move away from pension benefits to 401(k) plans, which also allow employers to limit costs.

The trend is likely to continue, said Paul Fronstin, the director of the Health Research and Education Program at the Employee Benefit Research Institute. Fronstin likened the current evolution of the health insurance market to the sea change that brought HMOs to dominance in the 1980s and 1990s. "There's no reason not to expect that to happen here," he said.

High-deductible health insurance plans will be eligible to be sold starting in 2014 on the insurance "exchanges" created by the health reform law that passed in 2010. With their lower monthly price tags, these plans could prove popular, especially among younger and healthier people betting they won?t have to go to the doctor or the hospital or need costly prescription drugs.

The upside is that these plans provide coverage against catastrophic medical expenses for lower monthly premiums. Individuals and their employers can put money into tax-free health savings accounts that accumulate over time. It's a great deal for high-income earners who have the cash to spare and can maximize the tax benefits.

People with this type of insurance should set aside enough money, in a health savings account or otherwise, to cover their deductibles, said Jody Dietel, the chief compliance officer for WageWorks, a California company that administers employee benefits. The insurance is there to "protect you from catastrophic financial ruin," not to pay all medical bills, she said. Coverage for preventive services like flu shots and cholesterol screenings often isn't subject to the deductible.

Studies suggest that people put off care because they cannot afford it. Patients with chronic conditions who had high-deductible insurance were three to four times more likely to say they delayed or went without medical care because of cost, according to the findings of a Harvard University-Children's Hospital Boston survey published in the Journal of General Internal Medicine last month. Lower-income respondents were even more likely to go without, the study says.

Employers could do more to help workers adjust during the transition from a managed care plan with simple co-payments for doctor visits and prescription drugs to a new model requiring financial planning and comparison shopping, Fronstin said.

Health insurance companies provide a variety of tools on their websites and through call centers that are designed to help by offering up information on the prices for medical services and prescription drugs and on medical providers' quality ratings.

Bass' employer brought workers together for a meeting last year in which a representative explained how the new health benefits worked. "When she got through," Bass said, "I still didn't understand."

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Source: http://www.huffingtonpost.com/2012/02/20/high-deductible-health-insurance_n_1284866.html

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Monday, February 20, 2012

Copy Xbox 360 Console Online games Without Modchip ...

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Source: http://articlegoes.com/copy-xbox-360-console-online-games-without-modchip-4.html

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Tax Services And Letting The Third Party In | Articles @ Redbright

Outsourced tax services meant for corporate business have enabled businesses to streamline their operations. It?s more than just a trend. It?s more appropriately referred to as the unconventional business strategy. A certain company can take advantage of the skills and technologies utilised to deliver its demanding requirements for the reason that the selected outsourced services provider puts such resources in place in order to provide quality to its valued clients.

Typically, outsourcing tax services to a third party requires the client to provide the pertinent documents for examination, interpretation and classification by the former. In addition to the usual assistance in terms of tax compliance, the client can likewise expect to receive guidance from an outsourced services provider?s pool of experts specially in understanding the complexities of tax-related matters. The professionals can even give their recommendations on the specific tax strategies which the client can use to its advantage.

At the onset, you should clarify the expectations you aim to satisfy in the long run. Doing so will give the services provider a better idea of how it can effectively address your needs. Cooperation and communication will foster a good working relationship between both parties. As a result, the customer and the outsourced services provider can take comfort in knowing that they?re doing their part in order to accomplish the common goal.

As the ready resource, the outsourced services provider seeks to extend expert assistance to enable the clients to focus on income generating core business functions, streamline its present operations and eventually improve its organisational efficiency by making use of what it has at the moment. This means that there?s no need to invest in added human resource or physical infrastructure in order to attain the said goals. The services providers exist to prove that success is possible by utilising existing resources and in knowing where and when to ask for help.

Striking the just the right with regards to outsourced services and in-house work will allow the business to protect its best interests even when it needs to bring in a third party to do some work in its behalf. With the wide range of options, the decision lies on the level of confidence the company has on its prospective outsourced services providers.

Tax Services And The Other Benefits You Need To Know

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Tax Services And Determining Potential Benefits

Tax Services And Securing Your Benefits

Tax Services: From Compliance To Privileges

Tax Services: Prepare To Reap The Benefits

Tax Services And Their Positive Returns

Categories: Finance, Business And Finance, Finance:Taxes

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Source: http://art.redbright.co.za/tax-services-and-letting-the-third-party-in/

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[OOC] Credential City Needs Heros!

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Forum for completely Out of Character (OOC) discussion, based around whatever is happening In Character (IC). Discuss plans, storylines, and events; Recruit for your roleplaying game, or find a GM for your playergroup.
So, you want to become a superhero, eh? Good for you! You can find character sheets here, and RSVP I... guess? -is hopelessly new-

You can be as detailed as you want when you make your character sheet, but the more detailed, the better, right?

Hero/Villain:

Superhero name:

Alias:

Appearence:

Background:

Powers:

Weaknesses:

Other info:

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Seriously... Don't do it
I will rip your finger off if you touch me
Don't to it!

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Sunday, February 19, 2012

Just over time Work with regard to Moms | Knowledge Of Business

.

Kaplan, utes. (2006) Be the actual Elephant. Ny, NEW YORK: Workman Posting Organization.

Source:

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Source: http://www.jmdvlp.com/business-careers/just-over-time-work-with-regard-to-moms-2569.html

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Saturday, February 18, 2012

Global bank hub ready to implement Iran sanctions

(AP) ? An international banking clearinghouse crucial to Iran's oil sales said Friday that it is prepared to discontinue services to Iranian financial institutions targeted by EU and U.S. sanctions.

The statement by the Society for Worldwide Interbank Financial Telecommunication, known as SWIFT, comes as the Obama administration is pushing for Iran to be evicted from the Brussels-based hub.

The clearinghouse said it stands ready to stop services to sanctioned Iranian financial institutions once it has clarity on what will be required by laws. It added that the decision "reflects the extraordinary and highly exceptional circumstances of significant multi-lateral international support for the intensification of sanctions against Iran."

Getting Iran ousted from SWIFT would leapfrog the current slow-pressure campaign of sanctions aimed at persuading Iran to drop what the U.S. and its allies contend is a drive toward developing and building nuclear weapons. It also perhaps would buy time for the U.S. to persuade Israel not to launch a pre-emptive military strike on Iran this spring.

But such a penalty could send oil prices soaring when many of the world's economies are still frail. It also could hurt ordinary Iranians and undercut the reputation of SWIFT.

SWIFT said Friday that U.S. and EU efforts to ramp up the pressure on Iran could affect its ability to provide services to Iranian clients.

Although SWIFT, a Brussels-based hub used by virtually every nation in the world, said it "understand(s) that the European Union is now drafting new international sanctions regulations which directly affect" its ability to provide services to Iranian financial institutions, an EU official said the bloc was not preparing new sanctions on Iran.

"What we're working on is implementing the measures we adopted last month," said the official who could not be identified under standing rules.

SWIFT, which is used by virtually every nation in the world, noted that it also is following the progress of a bill passed by the U.S. Senate Banking Committee regarding Iran which has similar intention of curbing institutions such as itself to provide services to Iranian financial organizations.

More than 40 Iranian banks and institutions use SWIFT to process financial transactions, and losing access to that flow of international funds could badly damage the Islamic republic's economy. It would also probably hurt average Iranians more than the welter of existing banking sanctions already in place since prices for household goods would rise while the value of Iranian currency would drop.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/3d281c11a96b4ad082fe88aa0db04305/Article_2012-02-17-EU-Iran-Sanctions/id-bdc4673ffb3a47d385c3ae1054267d38

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Friday, February 17, 2012

House speaker says payroll tax bill won't add jobs

House Speaker John Boehner of Ohio talks about an accord on the payroll tax cut negotiations, Wednesday, Feb. 15, 2012, during a news conference on Capitol Hill in Washington. (AP Photo/J. Scott Applewhite)

House Speaker John Boehner of Ohio talks about an accord on the payroll tax cut negotiations, Wednesday, Feb. 15, 2012, during a news conference on Capitol Hill in Washington. (AP Photo/J. Scott Applewhite)

The U.S. Capitol is seen, Wednesday, Feb. 15, 2012, in Washington. Calling quits to a bruising election-year fight, negotiators on Capitol Hill worked into Wednesday night, ironing out final details of an agreement to extend a cut in the payroll taxes paid by most Americans. The legislation also would renew jobless benefits for millions more. (AP Photo/Haraz N. Ghanbari)

House Majority Leader Eric Cantor of Va., accompanied by fellow GOP leaders, gestures during a news conference on Capitol Hill in Washington, Wednesday, Feb. 15, 2012 to discuss the payroll tax cut negotiations. From left are, House Speaker John Boehner of Ohio, Rep. Cathy McMorris Rodgers, R-Wash., Cantor, and House Majority Whip Kevin McCarthy, R-Calif. (AP Photo/J. Scott Applewhite)

(AP) ? A compromise bill extending a payroll tax cut and jobless benefits for the long-term unemployed should be enacted, but it's not going to help the economy very much, House Speaker John Boehner said Thursday.

Boehner, R-Ohio, made the remarks hours after bipartisan congressional bargainers announced agreement on legislation extending those provisions through 2012 and heading off a steep cut in reimbursements for physicians who treat Medicare patients. The bill would assure a continued tax cut for 160 million workers and jobless benefits for several million others, delivering top election-year priorities to President Barack Obama and edging a white-hot political battle a big step closer to resolution.

Boehner told reporters the accord is "a fair agreement and one that I support."

Bargainers completed the bill's final details Thursday afternoon, resolving technical questions about savings the bill would pluck from federal workers' pensions and government sales of portions of the broadcast spectrum.

One top negotiator, Sen. Max Baucus, D-Mont., said leaders were anticipating pushing the legislation through Congress on Friday.

In a jab at Obama, Boehner minimized the impact the measure would have. Last fall, Obama proposed extending the payroll tax cut and added jobless benefits through this year as major pillars of his program for creating jobs.

"Let's face it, this is an economic relief package, not a bill that is going to grow the economy and create jobs," Boehner said.

Boehner's comment underscored the GOP's desire to limit Obama's ability to declare victory over the legislation. The fight over the payroll tax cut and jobless benefits has been waged since late last year and has taken a political toll on Republicans.

Both proposals initially ran into GOP resistance, some of which lingers. But Republicans have largely concluded it would be damaging to oppose the package, particularly in this presidential and congressional election year.

That contrasted with their attitude in December, when House Republicans refused to back a bipartisan Senate bill providing a two-month extension of the tax cuts and jobless benefits while bargainers completed a yearlong deal. Within days, they retreated under barrages of criticism from Republicans and conservatives around the country.

Illustrating their reluctance to be seen as blocking a middle-class tax cut, House Republicans removed the major hurdle to the legislation earlier this week when they agreed that the payroll tax cut ? comprising about two-thirds of the measure's cost ? would not have to be paid for with spending cuts.

The House's top Democrat, Rep. Nancy Pelosi, said Democrats are mostly satisfied with the compromise and said it should be pushed through Congress quickly.

"I don't think the American people can wait another day," Pelosi, D-Calif., told reporters.

Pelosi said that while Democrats were hoping parts of the roughly $150 billion measure could be paid for with savings from winding down wars in Iraq and Afghanistan, "I don't see a scenario where our members would vote against it."

The two lead negotiators, Rep. David Camp, R-Mich., and Sen. Max Baucus, D-Mont., said shortly after midnight that they had reached agreement and that only technical issues and the drafting of legislative language remained.

The bargainers spent Wednesday trying to extinguish last-minute brushfires.

Chief among the late disputes was a proposal to save around $15 billion ? about half the $30 billion cost of the bill's extended jobless benefits ? by requiring federal workers to contribute an additional 1.5 percent of their pay to their pensions.

Democrats, including Sen. Ben Cardin and others from Maryland, home to many government employees, resisted that plan, holding up a final handshake among congressional bargainers. The provision was ultimately changed to target the boost only at newly hired federal workers, requiring them to contribute 2.3 percent of their salaries toward defined benefit pensions.

There was little controversy over the main thrust of the bill.

A 2-percentage-point cut in the 6.2 percent Social Security payroll tax, which is deducted from workers' paychecks, would run through 2012. For a family earning $50,000 a year, the cut saves $1,000 annually.

Extra unemployment benefits for people out of work the longest would be extended for the same period, and a 27 percent slash in federal reimbursements for physicians who treat Medicare patients would be averted.

Unless Congress acts, the tax cut and added jobless benefits would expire, and doctors' Medicare payments would be reduced, all on March 1.

In a GOP win, the bill would phase down the current maximum 99 weeks of jobless coverage to 73 weeks in the hardest-hit states by autumn, though in most states, people would get no more than 63 weeks.

Besides increasing new federal workers' pension contributions, more savings were supposed to come from government sales of parts of the broadcast spectrum to wireless companies. The spectrum auction was supposed to raise about $15 billion ? even after $7 billion would be spent for a new communications network for emergency workers.

The government's main welfare program would be continued through this year. Republicans won a provision barring welfare recipients from using their electronic cards to withdraw cash from teller machines in liquor stores, strip clubs and casinos.

The $20 billion price tag for preventing the cut in doctors' Medicare reimbursements would be covered partly by trimming a fund Obama's health care overhaul created to help prevent obesity and smoking. There would also be reductions in Medicaid payments to hospitals that treat high numbers of uninsured patients.

Dropped from the final compromise were proposals to renew expiring business tax cuts; a GOP plan to require unemployment recipients to work toward high school equivalency diplomas; and another Republican provision, aimed at illegal immigrants, requiring low-income people to have Social Security numbers before they can get checks from the Internal Revenue Service for the children's tax credit.

___

Associated Press writer Andrew Taylor contributed to this report.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/89ae8247abe8493fae24405546e9a1aa/Article_2012-02-16-Payroll%20Tax/id-bac5c3b9f9aa4ba6bf8f217e1931072d

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