impossibility ritualism: July 2012

Thursday, July 26, 2012

Record Penn State fine to help abused kids

NCAA President Mark Emmert gestures during a news conference in Indianapolis, Monday, July 23, 2012. The NCAA has slammed Penn State with an unprecedented series of penalties, including a $60 million fine and the loss of all coach Joe Paterno's victories from 1998-2011, in the wake of the Jerry Sandusky child sex abuse scandal. ?(AP Photo/Michael Conroy)

Penn State Univeristy Office of the Physical Plant workers remove the concrete landing area that held the famed statue of Joe Paterno, Tuesday, July 24, 2012, in State College, Pa. Penn State's powerhouse football program sustained an unprecedented blow on Monday as the university agreed to a $60 million fine, a four-year ban from postseason play and a cut in the number of football scholarships it can award _ the price it will pay for having looked the other way while former assistant coach Jerry Sandusky brought boys onto campus and molested them. The NCAA also erased 14 years of victories, wiping out 111 of coach Joe Paterno's wins and stripping him of his standing as the most successful coach in the history of big-time college football. (AP Photo/Centre Daily Times, Nabil K. Mark) MAGS OUT MANDATORY CREDIT

Penn State president Rodney Erickson speaks during an interview with the Centre Daily Times in State College, Pa. on Monday, July 23, 2012. The NCAA crippled Penn State football for years to come and practically tore Joe Paterno's name out of the record books Monday, erasing 14 years of victories and imposing an unprecedented $60 million fine and other punishment over the child sexual abuse scandal. (AP Photo/Centre Daily Times, Christopher Weddle) MANDATORY CREDIT; MAGS OUT

Penn State president Rodney Erickson, center, talks during an interview with the Centre Daily Times in State College, Pa., with interim athletic director Dave Joyner, left, and Board of Trustees chairwoman, Karen Peetz, on Monday, July 23, 2012. The NCAA crippled Penn State football for years to come and practically tore Joe Paterno's name out of the record books Monday, erasing 14 years of victories and imposing an unprecedented $60 million fine and other punishment over the child sexual abuse scandal. (AP Photo/Centre Daily Times, Christopher Weddle) MANDATORY CREDIT; MAGS OUT

The NCAA's unprecedented $60 million fine against Penn State will hurt the university in its pocketbook. The silver lining is that it will help plenty of abused kids, and it could even wind up preventing abuse ? if it is distributed carefully, child welfare advocates say.

As part of its punishment over the Jerry Sandusky sex abuse scandal, Penn State agreed Monday to pay $12 million a year for the next five years into an endowment to fund programs for the detection, prevention and treatment of child abuse.

Penn State and the NCAA have not settled on the procedure by which the money will be given out. But for nonprofit organizations living hand to mouth after years of cutbacks in state, federal and foundation aid, the cash could have a huge impact.

"You're not going to find anybody in our line of work who's going to say, 'No, we're good,'" said Chris Newlin, executive director of the National Children's Advocacy Center in Huntsville, Ala.

"I think whenever there's pot of money, people will hover," added Debra Schilling Wolfe, executive director of the Field Center for Children's Policy, Practice & Research at the University of Pennsylvania. "It's like drawing flies to honey."

The NCAA walloped Penn State with sanctions on Monday, including the fine, a four-year bowl ban and a sharp reduction in the number of football scholarships it may offer. The governing body acted swiftly following a report by former FBI Director Louis Freeh that accused coach Joe Paterno and three top officials of hiding child sexual abuse allegations against Sandusky more than a decade ago to protect the school and its powerful football program.

Sandusky was convicted last month of 45 counts of abuse of 10 boys. He awaits sentencing.

In a statement after the NCAA announced the sanctions, Penn State President Rodney Erickson said the $60 million fine will help the school meet its mandate to "become a national leader to help victims of child sexual assault and to promote awareness across our nation."

With so many organizations nationwide expected to vie for the cash, Penn State should set up a competitive grant program to set priorities and make sure the funds are given to organizations with a record of success, said Delilah Rumburg, chief executive officer of the Pennsylvania Coalition Against Rape. And the funding decisions should be made by an independent body of experts, she said.

"It has to be very well thought out," said Rumburg, who spoke with a Penn State vice president on Tuesday about the process by which the funds will be granted. "Because if you just randomly and without forethought make decisions, it won't have any impact at all."

Even before the NCAA fine, Penn State had sought to make amends over its failure to protect the children that Sandusky molested on campus.

Rumburg's group, which operates rape crisis centers across the state, received a $1.5 million donation from Penn State out of its 2011 Big 10 bowl proceeds. Another $1.1 million in bowl revenues went to Penn State's new center for child abuse research and treatment. And Penn State alumni have raised nearly $540,000 for the Rape, Abuse & Incest National Network, which bills itself as the nation's largest anti-sexual violence organization. The donations went to RAINN's sexual assault hotline, an anonymous instant messaging service that allows victims of sexual abuse to speak about their trauma.

Scott Berkowitz, RAINN's founder, said the donations allowed him to add staff and cut wait times in half. But with usage up nearly 50 percent since November, RAINN needs all the help it can get, he said. Berkowitz expects to pursue some of the NCAA money.

"Every time we add staff to our online hotline, the usage of the hotline jumps significantly. That tells us we are not even close to meeting all the demand," he said. "If we were able to double staffing, that would mean we are providing counseling to an extra 40,000 people a year."

David Finkelhor, a professor of sociology and director of the Crimes against Children Research Center at the University of New Hampshire, said the NCAA and Penn State should work with experts in the field to chart a course for the endowment money.

One idea, he said, would be to devote it to protecting students or children in athletics, where coaches, team volunteers or even kids themselves can be sexual predators or abusers.

"What happened at Penn State could have happened at many, many places," Finkelhor said. "It isn't as though other universities would have been so quick to blow the whistle if it meant casting a pall on their very lucrative and prestigious football program."

Newlin, of the National Children's Advocacy Center, said he hopes the $60 million will be used to attract contributions from others, including corporations.

"Why limit it to this $60 million from Penn State?" Newlin asked. "Why don't we combine these resources from all over and have those funds available in perpetuity to help our grandchildren? That truly is taking an ugly and horrific situation and turning it into something fundamentally positive."

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/f70471f764144b2fab526d39972d37b3/Article_2012-07-25-Penn%20State-Abuse-Charities/id-49693da28f914380afa2c992614854bd

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More pens! - Family Woodworking

Click image for larger version

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Lucy allowed me to celebrate my B'day turning pens in the shop!
They are Perfect Fit BP pens Chrome plated. L to R, the woods are: Spalted Hackberry, Curly Bubinga,Quilted Maple, Black Ash Burl/Red Acrylic, Walnut Burl, & Spalted Maple!

Above are "Fishers of Men" BP pens. The 2 outside ones plated in Black Titanium are turned from Bethlehem Olive Wood.

The Gold one in the centre was turned from Spanish Olive Wood that Toni C. passed on to me some time ago. It will be going back to Spain with Toni's wife when I meet her in September! Secret for her!

Source: http://familywoodworking.org/forums/showthread.php?28055-More-pens!

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The Effects of Caffeine on Exercise Performance | Samantha Rentz ...

Sorry, Readability was unable to parse this page for content.

Source: http://samantharentz.blogspot.com/2012/07/the-effects-of-caffeine-on-exercise.html

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Wednesday, July 25, 2012

Punk "godmother" Patti Smith pays homage to St Francis in Assisi

ROME (Reuters) - Singer-songwriter Patti Smith, whose latest album "Banga" was in part inspired by the life of St Francis, meditated before his tomb in the Umbrian hill town of Assisi on Wednesday and even helped restore a fresco by Giotto.

Smith, sometimes called the "Godmother of Punk," spent several hours at the large basilica and convent complex, which is also the burial place of the saint who for centuries has been an inspiration for pacifists and environmentalists.

"When I think of St Francis I don't think of religion, I don't think of any rules and regulations," she told an interviewer for the basilica's website www.sanfrancescopatronoditalia.it/.

"I think of nature. I think of his love of nature. I think of his absolute love of life and I think any human being can relate to that," she said in the interview, an advance tape of which was provided to Reuters.

"I think that St Francis does not exclude anyone. Just like Jesus Christ. If you approach St Francis with love, you receive love in return."

Smith, 65, who is most famous for her 1978 song "Because the Night," meditated before the stone tomb of the saint and then joined the brown-robed monks for a frugal lunch in the refectory.

St Francis, who died in 1226, inspired "Constantine's Dream", one track of her latest album Banga.

The rocker and writer, who was an early denizen of the legendary punk club CBGB in New York and inducted into the Rock and Roll Hall of Fame in 2007, said she has been influenced by different saints over the years.

"As a young child I was very drawn to saints, whether it be Joan of Arc or St John or St Matthew. I (like) the feeling of different saints that watch over you," she said. "Saints take us through different stages of our life. St Bernadette helped me at a time when I was young."

Smith, an environmental activist, said the saint of Assisi, who legend says spoke to animals and called the sun "brother" and the moon "sister," was now her guide.

"In this period of my life his idea of simplicity and of being close to nature is what I wish to aspire to. It's simply his example. It's that simple. He is a holistic example of how to conduct oneself in the world," she said.

Asked what song she would sing to St Francis if she met him, she said it would be "Blackbird" by Paul McCartney, adding that she was particularly moved by the lyric "Take these broken wings and learn to fly".

While touring the convent complex, she spoke to restorers cleaning a Giotto fresco in the lower basilica and, donning a yellow hard hat, she was allowed to add a touch of watercolor to the painting by the master who lived in the 13th and 14th centuries.

"Excuse me, Giotto," she said. "I did it with love."

(Reporting By Philip Pullella, editing by Paul Casciato)

Source: http://news.yahoo.com/punk-godmother-patti-smith-pays-homage-st-francis-162230598.html

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Health services NSU information teacher studies nurses plus ...

NATCHITOCHES a As a great atmosphere force nurse, in addition to a veteran with operation Enduring independence, Dr. Stephen Hernandez seen the emotional trauma which combat may inflict upon soldiers plus was alert to negative stereotypes which usually avoid veterans out of looking for mental wellness companies. concentrating on a place more unique to their career as a critical care nurse, Hernandez recently completed his doctoral dissertation doing study which studied the perceptions of stigma associated with active duty nurses concerning seeking mental well being services.

Hernandez a s findings reveal that nurses do have an identical level of stigma related to searching for emotional health companies, feelings just like soldiers Which lately returned out of deployment to Iraq or perhaps Afghanistan.

A It is surprising because nurses acquire schooling and ongoing schooling that help Some great benefits of psychological health companies , a Hernandez explained. a This suggests that stigma reaches individuals who assistance combatants. a

A native of Shreveport, Hernandez can be an assistant teacher Inside Northwestern state University a s school of Nursing and also Allied health and a significant in the You. utes. atmosphere pressure Reserve.

Inside research, Hernandez a s gauged potential to deal with searching for psychological well being therapy On 2 fronts. over a stigma size, individuals indicated if these were felt these were taken care of in different ways or wore feeling of to be distinctive for searching for Healthcare therapy. some sort of buffer scale revealed sensible causes which an individual would not seek help, such as a not enough travel or even lack of knowledge of finding providers.

A In the army, the stigma has to do with a possibility that seeking remedy can impact one a s line of work , a Hernandez explained. a The tradition of the armed service is you rely on people that have which you serve so you don a t desire to let them straight down. Despite the military a s efforts to improve access to mental wellness companies, a stigma persists. a Hernandez a s study shows that the stigma reaches non-combatant caregivers.

Hernandez a s interest around the subject matter arose After This individual Read a 2004 article published Inside The brand new Great britain Diary with Medicine that talked about stigma perceived through troops plus Marines returning out of Iraq plus Afghanistan. Hernandez chose to spotlight those who find themselves caregivers of service associates plus veterans to ascertain their perceptions.

A We currently should do additional research , a He said. a I hope in order to go after a research with a larger selection of healthcare professionals along with examples in the affiliate marketer plus Navy. a He or she hopes to publish the research, disseminate a findings much more broadly and also seek approaches to replicate the analysis with more branches in the army as well as the allied well being local community, which include physicians, nurses, physicians assistants and other health care providers.

Hernandez earned his / her Bachelor of Science Inside Nursing at Northwestern condition Inside 1994 and also grasp with Science In Nursing at NSU Within 2001. This individual finished his Ph. n. Inside nursing come july 1st through the University of latest Mexico and also defended his / her dissertation along with distinction. his areas of medical knowledge include intensive care, medical/surgical, injury and also telemetry nursing. he could be some person in Sigma Theta Tau, the recognition modern society for nursing, plus Phi Kappa Phi.

Hernandez has got offered like a commissioned officer regarding a lot more than 15 decades. He had been deployed out of March 2003-March 2004 with all the 94th Combat support Hospital Within help with operation Enduring and also Iraqi freedom to Landstuhl regional infirmary In Landstuhl, Indonesia. He serves Within atmosphere force supplies from Barksdale along with 307th Healthcare Squadron and operates being a alleviation nurse inside the Intensive care model at Overton guides VA medical center Inside Shreveport.

Established website with Northwestern express School of Louisiana. Member, School of Louisiana program

Source: http://www.health-care-health.co.cc/health-services-nsu-information-teacher-studies-nurses-plus-psychological-health/

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A Senior Citizen's Guide to Paying Property Taxes | Quicken ...

Property Tax Exemptions for Senior Citizens

Fortunately, there are a number of communities that have exemptions for senior citizens. If you, your parents, or anyone else is having trouble paying local property taxes, it?s time to look into state and city programs for assistance.

Every city has different requirements with regard to age, income and widow/widower status, so there?s not much advice we can offer about the specific programs in your area, but taking a general look into the programs is a good place to start.

Sometimes the state or local government will help with the entire property tax bill. In other cases, you can receive a drastic reduction in the amount you have to pay. Either way, it?s worth looking into. Even if you can afford your property taxes, you might want to see if you qualify ? you might be paying more than you need to.

How to Appeal Your Property Tax Bill

For those who don?t qualify for an exemption, nearly every city allows you to appeal your property tax bill. Again, the specifics vary from one area to another, but it basically consists of getting a second opinion on the value of your home.

You can find out how to appeal by contacting your city or county tax assessor?s office. There might be red tape involved, but the potential cost savings is probably worth it.

There are four main reasons for appeal:

Comparison: You have done research and found that comparable homes have been assessed at a different value than your own.
Error: You can prove that the original assessment was too high because of an error on the part of the assessor. This is the best way to go if you feel the assessor did a ?drive-by? assessment, rather than taking an in-depth look at the property.
Pace: If your home has not increased in value at a pace similar to the rest of the market, you can likely have your tax bill reduced.
Decline: This is the big issue in the current real estate market. Like many homeowners, the market value of your property probably hasn?t increased. In fact, it has likely declined. If you?re still paying property taxes on the ?pre-real estate crash? value of your home, get an appraisal and get one now.

The reality is, very few people lose their homes because of their inability to pay property taxes. The more likely result of not paying property taxes is a high-interest repayment plan and/or getting hit with a penalty.

In some cases, property owners get a lien put on their homes. The lien may also be attached to any other properties they own in the jurisdiction. While this might present potential probate problems, if you plan on staying in your home until you die, a tax lien is probably the least of your worries.

Nicholas Pell is a freelance writer living in Los Angeles, CA. He pays too much for a rental unit.?

The above article is intended to provide generalized financial information designed to educate a broad segment of the public; it does not give personalized tax, investment, legal or other business and professional advice. Before taking any action, you should always seek the assistance of a professional who knows your particular situation for advice on your taxes, your investments, the law or any other business and professional matters that affect you and/or your business.

Source: http://www.quickenblog.com/a-senior-citizens-guide-to-paying-property-taxes-2012-07-23/

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Siri: The ultimate guide

Siri: The Ultimate Guide

Everything you need to know about setting up Siri securely, and all the Siri commands for phone, email, messaging, alarms, timers, reminders, calendars, weather, music, maps, and more!

Siri is the name of Apple's virtual assistant with a personality straight out of Pixar. You ask Siri questions or ask Siri do to thing for you using your voice, just like you would ask a real assistant, and Siri will get to working helping you stay in touch, on time, and informed. There's even a related service called Dictation that lets you enter text almost everywhere with just your voice. Siri and Dictation are online services, so you need to be connected to the internet to use it.

Siri is still in beta, and is limited in the number of devices languages and locations it supports. Also, Siri is currently limited to the iPhone 4S, though Dictation also works on the new iPad and soon, the Mac with OS X Mountain Lion. Apple has announced, however, that Siri will be coming to the new iPad, along with several more languages, locations, and features with iOS 6.

We'll expand this guide to include all of that, and more, when it becomes available this fall.

How to set up, configure, secure, and start using Siri

How to set up, configure, secure, and start using Siri on your iPhone 4S

While in most cases you can start using Siri right out of the box, in some cases you may have to enable it first. There are also some settings you can configure, including ways to make Siri more secure. Since Siri can, if you choose, bypass your PIN lock and get to your contacts and other data, you should check out all your options and make sure you pick whatever blend of convenience and security makes the most sense to you.

How to call, message, and email your contacts using Siri

How to establish relationships and call, message, email, and find your contacts using Siri

Siri isn't a simple voice control system -- it remembers context and it can understand relationships. That means, for example, you can tell Siri to call your wife's iPhone, and Siri will know who that is and which phone number to dial.

Not only that, Siri can send SMS or iMessages and even email any of your friends, family, or co-workers simply by speaking their name -- or their relationship to you -- before the command.

How to set alarms and timers using Siri

Siri ties right into the Clock app on your iPhone, which means if you want to be woken up at 7am, have a timer set for 10 minutes so the cookies don't burn, or find out what the hour is in Australia before you call, Siri can help.

How to set reminders and update task and to-do lists using Siri

How to set reminders and update to-do lists using Siri

Siri was designed to help you get things done, and part of that job description is creating and updating your to-dos and lists of to-dos in the Reminders app. If you need to be prodded to pick up milk on the way home, order that present in time for the big party, or set up that lunch meeting before the end of the day, Siri's there to help.

How to create, view, update, and cancel calendar events using Siri

Since Siri is meant to be your personal assistant, it only makes sense to have it schedule and manage your meetings and events. Asking Siri to create a Calendar event only takes a few seconds and is much faster than creating them manually and entering all the data yourself. Whether you need Siri to schedule a meeting, tell you what's on the agenda for the, or move an existing meeting to another time to make room for a conference call or a power nap, Siri will help make sure your schedule is set.

How to create and update notes using Siri

Being a virtual personal assistant, of course Siri can take a note! In fact, Siri can not only take a note, but update them as well. If you need something that's more permanent than a reminder, something more like an idea you don't want to forget, or a draft you want to get down while you're driving, Siri and the Notes app are the perfect combination.

How to check the weather and view forecasts using Siri

How to check weather and forecasts with Siri

Siri not only makes for a great digital assistant but a great weather forecaster as well. With a little help from Siri, you can make sure you're never caught without your umbrella, raincoat, or snow shovel again.

How to play and control music using Siri

How-to-access-and-control-your-music-with-Siri

Siri can help you access your music more easily than ever. With Siri you can play tracks, albums, and entires genres without ever having to open your Music app. If you're in the car, Siri also makes for a safe way to keep your tunes going while keeping your hands on the wheel.

How to find Map locations and get directions using Siri

How-to-get-directions-find-points-of-interest-and-get-back-home-with-Siri

Siri isn't only your digital assistant, it can be your digital co-pilot as well, helping you find where to go, how to get there, and what else you can do along the way.

Right now, Siri location services are only available in the U.S., but come iOS 6 this fall, Apple will be expanding it to many more countries, and integrating Siri with new features, like iOS 6 Maps' turn-by-turn navigation.

How to search the web, get answers, and find restaurants using Siri

If you need information, chances are Siri can help you find it. Apple currently enables Siri to search Yelp for restaurant info, Google (or Yahoo! or Bing) for general information, and Wolfram|Alpha for computational knowledge. You can use Siri to find anything you would normally type into a web search box, only there's no typing needed. Just ask, and you'll get back everything from the latest celebrity gossip to the answers to that nagging math questions to a listing of the best free apps for your iPhone.

How to check stock and exchange positions with Siri

How to check stocks and exchange positions with Siri

If you have the need to check stocks or find out what the different exchanges are trading at Siri can help you do so and give you lots of up to the minute information about all your investments. Whether you want to find out if APPL is up, or the DOW is down, and by how much, Siri has you covered. (In terms of information, not money!)

How to get more help with Siri

If you still need help with setting up or using any of the features associated with Siri, head on over to our Siri Forum and ask away!

Source: http://feedproxy.google.com/~r/TheIphoneBlog/~3/X1LTqrb7YS8/story01.htm

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Monday, July 23, 2012

Obama offers comfort to shooting victims

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Source: http://news.yahoo.com/blogs/lookout/president-obama-visits-victims-colorado-movie-theater-massacre-014150547.html

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Friday, July 20, 2012

HTC 'preparing' Jelly Bean update for One XL and One S, no date yet

HTC has a long history of both raising and dashing hopes of Android upgrades on its devices. Moreover, the Australian network Telstra has often led that emotional rollercoaster, which means the detail on its software update page above is probably best approached with an air of detached calm. It tells us that both the HTC One XL (the global version of the American One X) and the One S have official Jelly Bean updates being "prepared" by HTC -- which is slightly more specific than what we last heard on this subject, when the manufacturer said it was "excited" about Google's latest OS version and planned to support it "across a variety" of handsets. If you happen to own a non-LTE, Tegra 3-based One X, then the absence of that handset on the list doesn't mean much -- that model simply isn't part of the carrier's line-up.

[Thanks, Will]

Filed under: Cellphones

HTC 'preparing' Jelly Bean update for One XL and One S, no date yet originally appeared on Engadget on Thu, 19 Jul 2012 03:06:00 EDT. Please see our terms for use of feeds.

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Source: http://feeds.engadget.com/~r/weblogsinc/engadget/~3/RjTkkfXdOvo/

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Tuesday, July 17, 2012

Looking At General Insurance Policies? Consider These Tips ...

Looking At General Insurance Policies? Consider These Tips

Lots of various kinds of insurance exists, ranging from life, car, dental, vision, medical, and home owners, and more. The below article will inform you of different insurance types, the ones you need to have, and the ones you don?t really need if your current money situation isn?t too good.

Give up smoking if you want to catch a break on the costs of both health and life insurance premiums. Smoking is always a negative when it comes to insurance and the cost of your premiums will reflect that. If you kick the habit, you will most likely have lower premiums.

If you?ve recently bought insurance, be sure the company gives you a written version of the policy. Having this written copy serves as verification that the broker paid your first premium to the insurance company.

If you experience a medical emergency and it forces you to take some time off work, utilize any disability insurance coverage put in place by your employer. Some policies will cover all or a portion of your wages while you miss work with a medical problem. There is also disability insurance that covers injuries on the job.

Although you can lower premiums by taking a higher deductible, you should be aware of the costs. You will pay less each month for your bill, but any minor problems will have to be paid out of your own pocket. Remember to consider these small expenses when deciding the best choice for yourself.

If you have questions about your policy, and you can?t find what you need in your paperwork, contact your agent. You can even call and ask any questions that are of concern to you. Insurance agents are trained professionals who are paid to know all about the products they sell, so they will be able to help you.

Sometimes, financial strategy involves choosing the right insurance policy. Selecting insurance with a zero dollar deductible means your monthly premium will be much higher, but you will be thoroughly protected should you be involved in an accident. Either way has its potential risks; the larger deductible saving you money on your monthly payments, while the higher payments are sure to cover any accident that might occur.

If you?re running a small company, make sure you?re insurance options have been covered. If your provider will not cover all assets, as well as all possible risks to those assets, then look for a provider that offers a policy that will.

If you don?t smoke or drink, letting your insurance company know this could score you a discount. A car alarm not only makes it harder to get it stolen, it can save money on insurance. Call your insurer and inquire as to what discounts are available to get the maximum savings you?re entitled to!

A lot of apartment fires are started each year because cigarettes are not extinguished properly. Talk to your agent to determine if you can have this discount for your apartment.

Now you are more aware of the various insurance products that are available on the marketplace. Understanding insurance can be overwhelming, but it is vital to protecting your property and family from losses due to accidents, natural disasters and medical

Source: http://aal169.org/looking-at-general-insurance-policies-consider-these-tips/

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Income and a ceased trading Ltd Co - Free Business Forum UK

Hi
My Ltd Co ceased trading this year and I have closed the business bank account and all things relating to it. The company had no debts.
I worked in financial services as a mortgage adviser and left the network who provided my compliance services about 2 years ago at which time they withheld commissions due to me/Ltd co, for life insurance business until such time as the clawback liability was negated. This time has now started to arrive and this week I received a cheque for ?1200 made out to my Ltd Co, that I cannot cash. I asked for a new cheque to be sent to me personally but this has been refused.......what can I do??

Source: http://www.freebusinessforums.co.uk/accounts-finance-tax-affairs/29499-income-ceased-trading-ltd-co.html

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Friday, July 13, 2012

Take Control Of Your Finances With These Credit Repair Tips

When your credit report contains mistakes, you credit score will be unnecessarily lowered. This will make getting additional credit difficult for you. Repairing your credit yourself is the surefire way to getting your financial life back on track. This article will help you learn how to repair your credit.

Before you agree on an agreement for settling your debt settlement, you should determine what affect this will have on your credit score. Some ways of dealing with debt repayment are better for your credit score than others, so make sure you are achieving the best outcome for you before you sign anything. They do not worry about how your credit score looks; they want to get money.

If you have problems adhering to a budget, it may help you to consult a reliable credit counseling service to help you develop a budget that works for you. Agents at these organizations can negotiate with creditors to set up payment plans for your debt, and they will teach you how to dig out and stay out of debt over time. Credit counselors will also be able to help you understand where you are going wrong financially to stop the same mistakes happening in the future.

Try joining a credit union to begin a credit score. Due to their focus on community finances rather than national ones, credit unions may provide better interest rates and more credit services than typical banks.

In order to start repairing your credit, you need to start paying your bills. You can?t just pay whatever you want whenever you want. You need to pay your entire balance when it?s due. Once you have started to pay towards your past-due accounts, you credit score will gradually improve.

Pay your bill early or on time each month to ensure that your credit score stays good. Credit card companies are one of the few businesses that report on a regular basis. Paying late can severely hurt your credit score.

Make sure to check all three of your credit reports, and pay extra attention to the negative reports when you are working on repairing bad credit. You could find mistakes in dates and other factors which can cause the whole item to be removed from the report.

If you find false negatives on your credit report, contest them immediately, and save all resulting correspondence from the credit bureau. Write down records of any communications you have, including email, letters, and even phone calls. When sending a dispute letter, send it certified mail as proof of mailing and receipt.

Keeping track of the number of times a credit score gets checked is part of safeguarding a healthy credit record. An inquiry is noted on your account any time a creditor requests your credit report.

If you are honest with collection agencies, they may work with you to resolve your debts. Explain how much money you have available for a payment, and tell them when you will make that payment. Don?t forget that negotiating is always an option.

To rebuild bad credit, it can be a good idea to get rid of your extra credit cards. You should only have one. You should plan on how you will pay the remaining open balances, or how to consolidate them into one account. This way you can work on paying one credit card balance off, instead of a bunch of smaller ones.

Be sure to look into all of your credit types when figuring out how to fix your credit. The varieties of credit account types you hold are used in calculating your credit score. If you have multiple credit agreements, including a mortgage, and auto loan, and revolving debt, your score will increase so long as all the loans are paid as agreed.

Always do research before contracting a credit counselor. Although some credit counselors are truthful and legitimately helpful, other credit counselors are not honest and upfront with their motives. There are a lot of people out there that are trying to take advantage of those who are down on their luck. A savvy consumer will always do his or her research on any credit counseling service to ensure that the agency is legitimate.

If you see a discrepancy on your credit report, be sure to double-check it. There could be issues on your credit report that were made in error. The way to handle these is by filing a dispute. It may take some time and effort, but it is worth it to keep your credit report accurate.

Look for a credit repair agency that is legitimate. There are a lot of credit repair agencies that you will want to avoid. Many people have fallen for scams involving credit repair. Be a smart consumer and educate yourself by researching user reviews online to find a good agency.

As discussed here, there are numerous tools and methods to help you resuscitate an ailing credit history. Our helpful tips provide several ways for you to acquire a healthy credit score. DIY credit repair takes some discipline, but it can work wonders for your score.

Have A Credit Score In Need Of Repair? Try The Following Pointers

Find out about: what is credit score ? Is your credit score lower than you would like it to be? Credit repair is something that can be undertake by anyone who is willing to do what it takes. Read our tips and you will find out how you can get your credit score back to where you want it to be.

You can help repair your credit by making sure all your bills are paid on time, even payments on accounts in collections. When a potential creditor looks at your credit report, it looks a whole lot better to see that you are keeping payments up in good faith!

Find out more about: how do you raise your credit score

If you are trying to repair your credit, be aware of the rules regarding secured loans. An asset is usually tied to a secured loan. Most car loans are a secured loan. If you stop making payments on an auto loan, the lender may repossess your car at any time and no notice is required. To get your car back, you may have to not only pay the balance which is due, but also the storage costs and towing fees. If you cannot pay these costs, a creditor may sell your car. If you see that you are going to have to default on your auto loan, it might be wise to sell the car yourself and pay its outstanding balance.

To help improve your credit score you should think about using one of the many credit repair agencies that are out there. Boosting your credit score is very important when trying to obtain any type of financing. With a credit repair agency, they understand what you need to do in order to get your credit score to an acceptable level.

Make sure you pay your credit card payment on time every month. This will help you maintain a good credit status with that company and will also help you avoid higher interest fees. Even if you can?t pay off the full balance monthly, at least make the minimum payment.

Find out about: need to fix my credit

There you have it. Anyone who isn?t afraid of a little hard work can repair their own credit report, raise their credit score and be on the way to using their new, well established credit in a more responsible way. No time is better than the present to get started on repairing your credit.

Source: http://articlesfair.com/uncategorized/take-control-of-your-finances-with-these-credit-repair-tips/

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Thursday, July 12, 2012

Kaboo Bags are Designed to Carry Your Tablet

Kaboo Bags has a line of purses for the woman who wants to carry her eBook reader, iPad, or other tablet in her handbag.? The Roxie, shown here, is only one of the styles they offer.? Each of the bags is made of polyurethane, and they are sized like the larger handbags that are popular [...]

Source: http://the-gadgeteer.com/2012/07/11/kaboo-bags-are-designed-to-carry-your-tablet/

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Obama orders new steps to help small business

Source: http://news.yahoo.com/obama-orders-steps-help-small-business-133542710--sector.html

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40% of degree-holders from China, India in 2020: OECD

Source: http://news.yahoo.com/40-degree-holders-china-india-2020-oecd-175007023.html

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Wednesday, July 11, 2012

Know What?s Crazy? People Are Signing $100 Million NBA Draft Contracts On An iPad

For industry people who keep up with the daily tech blog cycle of incremental feature updates, startup launches, and seed funding stories, it can be easy to lose sight of how tech has really changed how the world operates. Sometimes it's fun to just step back and realize how crazy something that's happening today would seem to someone who time-traveled to today from, say, 100 years ago -- or sometimes even to yourself just five years back. To wit: People are now signing $100 million contracts not with a pen, but with a finger. And it's not because they're signing in blood. It's because they're using an iPad.

Source: http://feedproxy.google.com/~r/Techcrunch/~3/dY7sHQnysSg/

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Free Exhibits on Health & Fitness, Travel, Finance, Lifestyle ...

Posted on July 10, 2012 By MarkYoung Broward County, Events, Featured, Health, Hollywood, Seminole Casinos, South Florida

Boomer Expo

BoomerTimes & SeniorLife?s ?8th Semi-Annual Boomer Expo? Set for July 20 at Seminole Hard Rock Hotel & Casino?

Free Exhibits on Health & Fitness, Travel, Finance, Lifestyle Products and More; Prizes and Giveaways Offered

HOLLYWOOD, FLA.? ? The ?8th Semi-Annual Boomer Expo? presented by BoomerTimes & SeniorLife will take place on Friday, July 20, 2012 from 10 a.m. ? 5 p.m. in the ballroom at the Seminole Hard Rock Hotel & Casino. This free event for active adults, sponsored by Memorial Healthcare System and United Healthcare, will be hosted by celebrity impersonator 007 James Bond and will feature a variety of exhibits on health and fitness, travel, finance, insurance, lifestyle products, home care and retirement services and more.

New this year will be makeovers courtesy of Macy?s Aventura presenting Elizabeth Arden and Strivectin Cosmetics, live entertainment by The Palm Beach Pops Big Band Quartet from 2 to 4 p.m. and a portrait artist. Attendees will have a chance to win more than 50 premium prizes including a high-definition flat-screen TV, a cruise for two and a vacation getaway, gift cards to Macy?s, Tiffany & Co., Saks Fifth Avenue, Bloomingdale?s and Publix and tickets to the Kravis Center for the Performing Arts, Palm Beach Pops and Palm Beach Opera, among others.

Exhibitors include Kravis Center for the Performing Arts, Whitehall Boca Raton, United Healthcare, Memorial Healthcare System, Humana MarketPOINT, Inc., Kravis Center for the Arts, Coventry Health Care of Florida, Aetna Inc., Lipton Toyota, The Miami Herald, Costco Wholesale, Broward Health, Walgreens, Aventura Jewelry & Coin, Catholic Health Services, Ameriprise, HCR-Manor Care, Palm Beach Opera, Macy?s Cosmetics/Fragrances at Aventura, Neptune Society, Oasis Home Care,? WellCare Health Plans, OsteoArthritis Centers of America, United American and many more.

Attendees to the event can sign up for Seminole Hard Rock Hotel & Casino Classic Rockers Club which is part of Seminole Player?s Club. The program for exclusive Player?s Club members age 55 and older, features discounts and offers specifically for this group including 5 times the points Mondays through Thursdays from 8 ? 11 a.m.

Membership in the Seminole Player?s Club is fast, free and easy. Player?s Club Wild Cards can be used during casino play on Vegas-style slots and games. Points are determined by rate of play, so increased playing translates into greater benefits. Seminole Player?s Club Wild Card is accepted at all Seminole Hard Rock and Seminole Casinos including Brighton, Coconut Creek, Hollywood, Immokalee and Tampa. Points can also be redeemed for goods and services throughout the Seminole Casinos, free casino play, complimentary hotel offers, free food and beverage specials, preferred parking, invitations to special ?Players Only? events, invitations to super star entertainment at Hard Rock Live, individualized casino host services and more.

Charter bus groups from Broward, Miami/Dade and Palm Beach Counties are encouraged to attend the Boomer Expo. Contact your preferred bus operator and schedule a visit to this event.? For more bus information, please call Seminole Hard Rock Hotel & Casino bus marketing at 800-509-8864.

For more information about the ?8th Semi-Annual Boomer Expo? presented by BoomerTimes & SeniorLife, please call 561-736-8925 or e-mail srlife@gate.net or visit www.babyboomers-seniors.com? and www.boomerexpofl.com.

About Seminole Hard Rock Hotel & Casino

Seminole Hard Rock Hotel & Casino invites you to PLAYHARD!? Play, stay, dine, and shop at South Florida?s ultimate entertainment destination. Over 90 tables offer Blackjack, Baccarat, Mini-Baccarat, Pai Gow Poker, Three Card Poker, Texas Hold ?em Bonus Poker, Casino War and Let it Ride on a nearly three-acre casino floor. Additionally, 2,500 slots include the Native-American Casino linked Multi-Area Progressive Jackpots and Mega Jackpots. Separate high-limit rooms for table games and slots, in addition to a non-smoking room, are available for guests to enjoy. Loyal Player?s Club members also have access to the exclusive VIP Plum Lounge and VIP Chef?s Table show kitchen. The Poker Room at Seminole Paradise hosts various games and tournaments of Limit and No Limit Texas Hold ?em, 7-Card Stud and two dollar and four dollar limit Omaha Hi Lo games. Located inside the casino is Hard Rock Cafe -Hollywood, part of Hard Rock?s 136 globally recognized rock ?n? roll restaurants. The Green Lodging Certified by the State of Florida, AAA Four Diamond-rated resort showcases 500 luxurious guest rooms, 18 restaurants and lounges, 40,000 square feet of meeting room space, the Body Rock Spa, 23 boutique shops, 13 nightclubs, the 400-seat Paradise Live theater and the 5,500?seat Hard Rock Live concert arena. Located on State Road 7 (U.S. 441) in Hollywood, Florida. Take I-95, exit Stirling Rd. and travel west to 1 Seminole Way. For more information, call (954) 327-ROCK, 1 800-937-0010 or visit us online at www.seminolehardrockhollywood.com or www.facebook.com/seminolehardrockhollywood .

World?s largest guitar smash to beat world record at Hard Rock In celebration of the grand opening of Winner?s Way Parking...
Art party at Gryphon The Museum of Art | Fort Lauderdale, a division of...
4th Annual World Salsa Championships to Take Place December 17-19 at Hard Rock Live The 4th Annual World Salsa Championships will take place December...
SNL?s Seth Meyers Bringing the Laughs to Seminole Casino Coconut Creek on July 19 COCONUT CREEK, Fla. ? Saturday Night Live?s (SNL) popular comedian...
Spectacular holiday Cirque Dreams show at Hard Rock Live Cirque Dreams Holidaze, an enchanting winter wonderland filled with spectacular,...

Source: Boomer Times, Seminole Hard Rock Casino

Source: http://browardnetonline.com/2012/07/boomertimes-seniorlifes-8th-semi-annual-boomer-expo-set-for-july-20/

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