Wednesday, August 31, 2011

Everyone Needs Life Insurance?

Having Life Insurance is one way you can provide money for your loved ones even after you are pronounced dead.

No one even likes to give a second thought about the consequences of their demise. But, it is no secret that people die every single day - yes, even on Christmas! If you have a family that totally depend on you to bring home the bacon, the important question that you will need to ask yourself is "If I am no longer around to provide for my family, what will happen to them?" It is also important that you answer the question before you die. Of course, you cannot obtain a life insurance plan on your death bed!

Having a life insurance plan can offer protection for your family in a variety of ways such as:

* Provide Medical Care And Education For Your Child Or Children
If you have children with special needs, this means that you will be paying for special child care and tutoring.

After your untimely demise, these expenses will continue and your spouse might find it very difficult to cope. Life insurance will help to pay for your children's special needs. The financial assistance will continue for a quite a period of time.

A college education does not come cheap. Your investments and savings could help pay for the cost of providing your children with a college education.

* Pay off Debts:
A lot of families live in house with a large mortgage. Everyone knows that the mortgage represents one's biggest debt. Your income is most likely what provides the funds to pay the mortgage.

If your income is lost, the money from life insurance can be used in order to pay off the mortgage debt.

It is also not a big secret that millions of families have a sizeable credit card debt. Life insurance can also be used to pay off credit card debt.

* Provide Needed Finances for your Spouse before He or She can Make up for Your Lost Income
The surviving spouse may or simply may not be capable of making up for your lost income. Life insurance can assist your spouse to make the change from the period of your demise to the period of a new income source.

You will need to put into consideration how large an income stream your spouse may need and for how long prior to a successful transition to another income source.

It is not exactly fun to think of dying and the effect that your death would have on your family. But, it makes more sense to prepare for any future eventuality.

The internet is the easiest place to search for life insurance. You get to sit in the comfort of your home or office and search for the right insurance plan that will suit your needs without being pressured by an insurance who is just trying to make a sale. You can also get Life Insurance Quotes from various insurance companies and make comparisons with other quotes from several other online insurance firms and choose the one with the best rates.

Source: http://business.ezinemark.com/everyone-needs-life-insurance-7d302d4419a1.html

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Gouty Arthritis Treatment ? 8 Steps For Acute Gout Administration

7:32 am Health and Fitness

Many people suffer from arthritis, and they differ in size, form, age, and severity. This is additionally true of the?rheumatoid arthritis causes countless arthritis ache aid products available. These variances could make choosing the very best ache reduction product a daunting and frustrating task. If the pain is gentle, and intermittent, one could discover the proper arthritis reduction product a lot simpler than if the ache is reasonable or severe. Severe pain from arthritis can render an individual dysfunctional or unable to perform many easy each day tasks. Trying to treat this stage of ache with over-the-counter drugs together with?rheumatoid arthritis symptoms a recommendation from the pharmacist may work for some, and not for others.Consulting a physician, one preferably who makes a speciality of illnesses of the bones and joints, is at all times sound advice.? Your doctor has access to more information, and is licensed to prescribe medicines which are more potent, and in lots of circumstances, more effective.? She or he also can assist you systematically strive completely different arthritis relief merchandise till you discover the one greatest fitted to you.? As with most ache reduction products, what works effectively for one individual??s ache, might have little or no affect on another.In addition to our commonest and accepted strategies to alleviate arthritis pain, increasingly more people need to alternative medicine.? These methods also differ in effectiveness, in line with the patient and the? rheumatoid arthritis severity of pain.? Vitamins and herbal dietary supplements have proven helpful to many.? These supplements contain the main components of most arthritis ache relief products, with out the chemical additives which may be harmful to other components of our bodies.

Source: http://www.somervillefoodscene.com/health-and-fitness/gouty-arthritis-treatment-8-steps-for-acute-gout-administration/

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Affordable and Professional Business Promotion with Presentation ...

This article has been viewed 2 times.

Whether at work, in school, or in your own small business, you would have to make a presentation one time or another. As much as possible, you would want the presentation to be a success. You would want to capture the attention and interest of the attendees to say that your presentation was a success. A successful presentation though means making a good first impression. However, achieving this can be hard sometimes. You would have to be willing to move mountains if you want to get a good impression. You don?t only need to look good, but your presentation has to be well prepared as well. So, how do achieve such kind of presentation without breaking the bank?

A good answer to that is through presentation folder printing. You might have already seen other people and businesses using this kind of folder. To some people, this is simply a flashy marketing tool that keeps their marketing materials organized. But the truth is presentation folders are more than that. They are practical business application that will help you promote yourself and your business in the most effective, professional, and impressive way.

When designed simply, these folders can look the same as other folders that are used to keep documents and files intact. But if they are designed creatively, they become visual tools that help convince people that you are better than other people. As a whole, presentation folders are business tools that will help you in making business presentations.

The design of your folder will basically depend on the find of business you have and image you want to project. You can design it simply or create an up scale look that will give you a good visual appeal. There are different designs you can use depending on your need. In fact, there are presentation folder templates available which you can use to make the design process much easier. You simply have to pick the best template which fit your business. Some templates can even be customized to let you create a unique design for your folder.

It?s vital that you use a sturdy and hard-wearing material in your folders to make them look credible and tough. You can use plastic or paper depending on what you want. UV coating will make sure that your materials are water resistant and don?t get torn easily.

Of course, it is still important that you create an attractive design. As much as possible, you need to create a pleasing design that won?t look dull on a plain folder. You can also add embellishments that will help give a pleasant touch to your folder. Make sure that the design fits the purpose of your folder. You also have to pick the right size to make sure that your documents and file will fit effectively in the folder. There?s no point in investing your money on a design and size that won?t present your business in the best possible way.

Whatever design and size of presentation folder you create this material will surely be a great step in making the best impression for your business. Keep in mind that you only have one chance to make a good impression so be sure to do it well. Why not do it in style with your folders?

Michelle Abreu has been writing articles online for about 2 years now in a trusted printing company. You can visit this website for more ideas on how to create online presentation folder printing, and get your free presentation folder templates carefully crafted and designed for your convenience.

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Source: http://www.articlecrush.com/business/advertising-business/affordable-and-professional-business-promotion-with-presentation-folders/?utm_source=rss&utm_medium=rss&utm_campaign=affordable-and-professional-business-promotion-with-presentation-folders

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Tuesday, August 30, 2011

Allergies and diseases ? is the air in your house is to blame?

Central air conditioning has provided us with wonderful year-round temperature control and internal control are available. Programmable thermostats can set the temperature of the air inside the house and regularly throughout the day, and thermostats are manually to provide easy adjustment of temperature with the slide of a lever adapted. Although the air temperature may feel good, you have ever thought about what you breatheheated or cooled?

Many homeowners know how to change the air filter every few months or more often if needed. While this is a good precaution, sometimes sensitive airways, particularly in the development, aging, or must provide added extra care on an air filter. Air cleaners are an extremely effective way to remove the air in your home exfoliation and almost all diseases and harmful allergens can swimthrough the air. Why do we keep the windows closed in our houses in order to maintain the temperature to a state, these tiny particles can be trapped, they can live on many surfaces in our home and travel all over the house because of your work center air duct. Air filter or cleaning work, so that the air through filters designed to trap harmful particles pass through, trapping them inside the filter, where they remain. Technologyhas air purifiers can remove almost 100% of allergens and harmful particles transmitted diseases, which means that you can breathe easy knowing your family is breathing clean air means today.

Today's air filters are designed for superior performance and industry-specific legislation is needed to test high. If you are concerned that the air quality company in your house, save you a test kit of air from your local hardware store ? what are you maybe surprised. MoldSpores, influenza viruses, dust, pollen and microscopic particles, the perpetrators behind the annoying cold you can not shake off, or be responsible for headaches. Can become with a wide range of styles, levels of filtering and you want to evaluate the cost of your air and your needs as a homeowner before purchasing the perfect air filter. Take the time to do your research and discussion to do with the experts your local to help his hardware store in the location, but will your business in the District HVACmay have special knowledge that comes with experience.

While you are on your central air conditioning and fresh air are thinking, check the documentation to see when, or if your air ducts have never been cleaned. They would by the amount of dust and particles that can be used in an air duct old are caught by surprise. If you think your air ducts should be clean, talk to your HVAC business, most to you free of charge to homeFee and an assessment of performance.

We all know that our homes is an important investment, but so is our health. Clean Air minimizes respiratory diseases and relieve the symptoms of a disease or respiratory diseases. With clean air, you will save money on travel costs and medical prescription, but you have the peace of mind knowing your family is breathing the air can be improved.

Source: http://home-improvement-heating-and-air-conditioning.chailit.com/allergies-and-diseases-is-the-air-in-your-house-is-to-blame.html

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Monday, August 29, 2011

'The Help' Wins Stormy Box Office Weekend

FROM MTV MOVIES: "The Help" managed to fend off competition from a new action movie, a horror flick and a comedy as the overall box-office suffered from stormy weather on the East Coast. The adaptation of the popular novel took in another $14.3 million over the weekend to remain at number one with a $96.6 [...]

Source: http://moviesblog.mtv.com/2011/08/29/the-help-wins-stormy-box-office-weekend/

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Pines help endangered trees survive long distance relationships

Most of us will never see the vibrant Gomortega keule?an endangered flowering tree that produces sweet, lemon-colored fruits. the narrow slice of Chilean forest where G. keule abides is being cleared for farms and industrial pine plantations, and even if the remaining trees survive, G. keule faces many obstacles on the road to recovery. Seed germination has a low success rate, vegetative propagation is difficult, and planted trees grow slowly.

You would think that protecting native forest from timber plantations would be a top priority, as would habitat restoration near remaining G. keule stands. but these aren?t the options discussed in a recent paper by Oxford University plant biologist David Boshier and his colleague Tonya Lander, of the National Institute of Agronomic Research in France.

In a paper published by Current Biology, the researchers make a counter-intuitive case for pine plantations. if it weren?t for these non-native industrial forests, G. keule populations might not be as fragmented and reliant upon long-distance pollination. yet when comparing clear cuts, small farms, and pine plantations, the latter may offer an unexpected ecological function?according to the findings, pine plantations increase the likelihood of G. keule pollination simply because pollinators pass through them quickly.

?we found that pollinators travelled with the highest probability through plantation, the lowest through clearfell, and with moderate [probability] through agriculture and native forest,? says Lander.

The findings are based on a survey of a ten-by-eight kilometer area in central Chile. the researchers collected over 1,000 seeds from 144 G. keule trees and then used DNA microsatellites to determine paternity.

Microsatellites contain a repeating DNA sequence (like CACACA), and the number of repeats often varies within a population. an individual might inherit three repeats from their mother and six on the homologous chromosome from their father. A different individual might inherit four and seven repeats, respectively. this is why microsatellites can be used to trace lineage.

The researchers collected seeds from the mother trees, and after microsatellite techniques identified the most likely fathers, a line was drawn on a map between the parent trees, representing the shortest distance the pollinator could have traveled. the proportion of the line that crossed over pine plantation as opposed to agriculture and clear cuts was then calculated. it turns out that G. keule trees separated by pine plantations are 26.8 times more likely to be pollinated than those separated by clear cuts. They are 1.4 times more likely to be pollinated than trees sandwiching farmland.

Lander and Boshier devised what they call the ?Circe Principle? as an explanation for these unexpected results. It?s not surprising that pollinators avoid clear cuts, but why do they travel through pine forest as opposed to flower-filled farms?

Much like Odysseus was lured away from his epic journey by the enchanting food at Circe?s table, the researchers speculate that farms distract insects. after the pollinators fly in, they may never want to leave. Pine forests, in contrast, contain fewer stopping points, facilitating long-distance pollination?a potential boost for a fragmented species like G. keule.

?if there are not enough individuals in a given population to breed effectively, then long distance pollination between populations may be beneficial,? says Lander.

As to improving G. keule?s status, Lander and her colleagues suggest reducing the size of clear cuts. They also propose converting clear cuts to agriculture?a strategy with a controversial precedent. While agroforestry techniques might incorporate G. keule, a few native trees in a shelterbelt or home garden can?t replace fully functional forestland. And as logging in the US has demonstrated, the farms and vineyards planted in clear cuts can pave the way for housing within a few generations?all sources of revenue for logging companies that over-harvest terrain.

Instead of clear cutting, it might be more sustainable to selectively harvest. the authors don?t consider this option in their paper, but Lander says, ?it makes sense that pollinators might use areas of a selectively harvested plantation in the same way that they use a plantation, so they would be more likely to travel through it than through clearfells.?

As to which management practice would bear the most fruit, reducing the fragmentation of native G. keule forests through restoration and conservation could minimize the need for long-distance pollination. this could also benefit pollinators, which prefer to forage and nest in a central place, and might be taxed by a trek through pine forest. the researchers don?t say how much G. keule pollination is carried out by each species, and pine plantations may not be permeable to all pollinators alike. In this light, the findings might be species specific?at least when it comes to the connectivity created by pine forests.

Depending on the preferences of different pollinators, it may be that corridors of intact native habitat offer a comparative advantage. the authors suggest pollinators travel with a lower probability through native forest, but this relates to a different question: do successful fertilizations occur when the beginning and ending legs of the journey?which take place in native forest?are shorter or longer? In either case, the pollinator must fly between two disconnected G. keule populations. the researchers did not survey continuous, un-fragmented native habitat, but this type of landscape may support more robust populations of G. keule and its pollinators.

Despite these uncertainties, the findings shed new light on the corridor design process. many studies classify land as habitat or non-habitat. For example, when a city encroaches on a mountainside, the habitat up top contrasts with the pavement below. this can isolate populations that once interbred, and bridging these islands is a driving motivation for urban green corridors.

Yet Lander?s findings show that not all landscapes can be classified as habitat or non-habitat, and some of the grey areas may perform specific functions. the trick is anticipating the unique services offered by a patch of open space. For example, when trying to bring pollinators to fragmented G. keule stands, a pine plantation would be more beneficial than a clear cut. if the goal is to create foraging habitat for declining pollinators, corridors might be more successful if they include farms.

While the study does not show that farms and plantations have an advantage over corridors of intact native forest, the findings support the need for a broader vision of connectivity?one that considers the role of diverse landscapes along with the continuity of open space.

Current Biology, 2011. DOI: 10.1016/j.cub.2011.06.045 ?(About DOIs).

Photograph by Tonya Lander.

Tags: Oxford University, timber plantations, United States, David Boshier

Source: http://chatterbridge.info/long-distance/pines-help-endangered-trees-survive-long-distance-relationships/

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Sunday, August 28, 2011

Internet Marketing And Seo | Technetto - Business Marketing Services


Internet Marketing And Seo | Technetto

While I?m not breaking any new ground here, I?ve tried to summarize some of the most important techniques.

Search Engine Strategies

Perhaps the most important ? and inexpensive ? strategy is to rank high for your preferred keywords on the main search engines in ?organic? or ?natural? searches (as opposed to paid ads). Search engines send robot ?spiders? to index the content of your webpage, so let?s begin with steps to prepare your webpages for optimal indexing. The idea here is not to trick the search engines, but to leave them abundant clues as to what your webpage is about. This approach is called ?search engine optimization,? abbreviated as SEO.

1. Write a Keyword-Rich Page Title. Write a descriptive title for each page ? rich in keywords you want people to find you with ? using 5 to 8 words. Remove as many ?filler? words from the title (such as ?the,? ?and,? etc.) as possible, while still making it readable. This page title will appear hyperlinked on the search engines when your page is found. Entice searchers to click on the title by making it a bit provocative. Place this at the top of the webpage between the tags, in this format:?Web Marketing Checklist ? 37? Ways to Promote Your Website. (It also shows on the blue bar at the top of your web browser.)

Plan to use some descriptive keywords along with your business name on your home page. If you specialize in silver bullets and that?s what people will be searching for, don?t just use your company name ?Acme Ammunition, Inc.,? use ?Silver and Platinum Bullets ? Acme Ammunition, Inc.? The words people are most likely to search on should appear first in the title (called ?keyword prominence?). Remember, this title is your identity on the search engines. The more people see that interests them in the blue hyperlinked words on the search engine, the more likely they are to click on the link.

2. Write a Description META Tag. Some search engines include this description below your hyperlinked title in the search results. The description should be a sentence or two describing the content of the webpage, using the main keywords and keyphrases on this page. Don?t include keywords that don?t appear on the webpage. Place the Description META Tag at the top of the webpage, between the?tags, in this format:?

The maximum number of characters should be about 255; just be aware that only the first 60 or so are visible on Google, though more may be indexed.

When I prepare a webpage, I write the article first, then develop a keyword-rich title (#1 above). Then I write a description of the content in that article in a sentence or two, using each of the important keywords and keyphrases included in the article. This goes into the description META tag.

Next, I strip out the common words, leaving just the meaty keywords and phrases and insert those into the keywords META tag. It?s no longer used much for ranking, but I?m leaving it in anyway. I think it may have some minor value. So to summarize so far, every webpage in your site should have a distinct title and META description tag. If you implement these two points, you?re well on your way to better search engine ranking. But there?s more that will help your ranking?.

3. Include Your Keywords in Headers (H1, H2, H3). Search engines consider keywords that appear in the page headline and sub heads to be important to the page, so make sure your desired keywords and phrases appear in one or two header tags. Don?t expect the search engine to parse your Cascading Style Sheet (CSS) to figure out which are the headlines ? it won?t. Instead, use keywords in the H1, H2, and H3 tags to provide clues to the search engine. (Note: Some designers no longer use the H1, H2 tags. That?s a big mistake. Make sure your designer defines these tags in the CSS rather than creating headline tags with other names.)

4. Position Your Keywords in the First Paragraph of Your Body Text. Search engines expect that your first paragraph will contain the important keywords for the document ? where most people write an introduction to the content of the page. You don?t want to just artificially stuff keywords here, however. More is not better. Google might expect a keyword density in the entire body text area of maybe 1.5% to 2% for a word that should rank high, so don?t overdo it.

5. Include Descriptive Keywords in the ALT Attribute of Image Tags. This helps your site be more?accessible to site-impaired visitors(www.w3.org/WAI/WCAG20/glance/) and gives additional clues to the search engines. The ALT attributes?do help get your images ranked higher for image search (see #12 below).

6. Use Keywords in Hyperlinks. Search engines are looking for clues to the focus of your webpage. When they see words hyperlinked in your body text, they consider these potentially important, so hyperlink your important keywords and keyphrases. To emphasize it even more, the webpage you are linking to could have a page name with the keyword or keyphrase, such as?blue-widget.htm ? another clue for the search engine.

7. Make Your Navigation System Search Engine Friendly. You want search engine robots to find all the pages in your site. JavaScript and Flash navigation menus that appear when you hover are great for humans, but search engines don?t read JavaScript and Flash very well. Therefore, supplement JavaScript and Flash menus with regular HTML links at the bottom of the page, ensuring that a chain of hyperlinks exists that take a search engine spider from your home page to every page in your site. Don?t set up your navigation system using HTML frames (an old, out-dated approach); they can cause severe indexing problems.?

Some content management systems and e-commerce catalogs produce dynamic, made-on-the-fly webpages, often recognizable by question marks in the URLs followed by long strings of numbers or letters. Overworked search engines sometimes have trouble parsing long URLs and may stop at the question mark, refusing to go farther. If you find the search engines aren?t indexing your interior pages, you might consider URL rewriting, a site map, or commercial solutions.

8. Create a Site Map. A site map page with links to all your pages can help search engines (and visitors) find all your pages, particularly if you have a larger site. You can use a free tools,?XML-Sitemaps.com(www.wilsonweb.com/afd/xml-sitemaps.htm) to create XML sitemaps that are used by the major search engines to index your webpages accurately. Upload your sitemap to your website. Then submit your XML sitemap to Google, Yahoo!, and Bing (formerly MSN), following instructions on their sites. By the way,??Google Webmaster Central(www.google.com/webmasters/) has lots of tools to help you get ranked higher. Be sure to set up a free account and explore what they have to offer.

9. Develop Webpages Focused on Each Your Target Keywords. SEO specialists no longer recommend using external doorway or gateway pages, since nearly duplicate webpages might get you penalized. Rather, develop several webpages on your site, each of which is focused on a target keyword or keyphrase for which you would like a high ranking. Let?s say you sell teddy bears. Use?Google Insights for Search (www.google.com/insights/search/) or the free keyword suggestion tool on?Wordtracker(www.wilsonweb.com/afd/wordtracker.htm) to find the related keywords people search on. In this case: write a separate webpage featuring the keyword ?teddy bear,? ?teddy bears,? ?vermont teddy bears,? ?vermont bears,? ?the teddy bears,? teddy bears picnic,? ?teddy bears pictures,? etc. You?ll write a completely different article on each topic. You can?t fully optimize all the webpages in your site, but for each of these focused-content webpages, spend lots of time tweaking to improve its ranking, as described in point #10.

10. Fine-tune with Careful Search Engine Optimization. Now fine-tune your focused-content pages and perhaps your home page, by making a series of minor adjustments to help them rank higher. Software such as?WebPosition(www.wilsonweb.com/afd/webposition.htm) allows you to check your current ranking and compare your webpages against your top keyword competitors. I use it regularly. WebPosition?s Page Critic tool provides analysis of a search engine?s preferred statistics for each part of your webpage, with specific recommendations of what minor changes to make. The best set of SEO tools is?Bruce Clay?s SEOToolSet(www.wilsonweb.com/afd/clay_seotoolset.htm). If you want more detailed information, consider purchasing my inexpensive book?Guide to Search Engine Optimization (www.wilsonweb.com/ebooks/seo.htm). You can find links to many?SEO articles (www.wilsonweb.com/seo/) on my site and even more in our?Research Room(www.wilsonweb.com/search/cat.php?querytype=category&subcat=mp_Search).

Frankly, this kind of SEO fine-tuning is time-consuming, painstaking work that takes a lot of specialized knowledge. For this reason, many small and large businesses outsource search engine optimization. If you?ll explain your needs to me on my online form, I can refer you to appropriate?SEO firms that I know and trust(www.wilsonweb.com/recommendations/seo-services.htm).

11. Promote Your Local Business on the Internet. These days many people search for local businesses on the Internet. To make sure they find you, include on every page of your website the street address, zip code, phone number,?and the five or 10 other local community place names your business serves. If you can, include place names in the title tag, too. When you seek links to your site (see #15 below), you should request links from local businesses with place names in the communities you serve?and complementary businesses in your industry nationwide.

Also create a free listing for your local business on?Google Maps Local Business Center (www.google.com/local/add) and?Yahoo! Local(listings.local.yahoo.com). That way your business can show up on a map when people do a local search. For more information, see my book?How to Promote Your Local Business on the Internet(www.wilsonweb.com/ebooks/local.htm) as well as?articles on local marketing (www.wilsonweb.com/local/) on my site and on?local business promotion in the Research Room (www.wilsonweb.com/search/cat.php?querytype=category&subcat=mm_Local).

12. Promote Your Video, Images, and Audio Content. Google?s ?universal search? displays not only webpage content, but also often displays near the top of the page relevant listings for images, videos, local businesses (see #11 above), and audio clips.? Therefore, consider creating such content appropriate to your business and then optimizing it so it can be ranked high enough to help you. For example, if you were to get a top-ranking, informative video onYouTube (www.youtube.com) that mentions your site, it could drive a lot of traffic to your site. For more information, search on ?optimizing images? or ?optimizing videos.?

Links to your site from other sites drive additional traffic. But since Google and other major search engines consider the number of incoming links to your website (?link popularity?) as an important indicator of relevance, more links will help you rank higher in the search engines. Google has a measure called PageRank that reflects the quantity and quality of incoming links. All links aren?t all equal. Links from trusted, popular sites help your site rank higher than links from lower traffic sites. You?ll find?articles on linking strategies(www.wilsonweb.com/linking/) on our site and in our?Research Room(www.wilsonweb.com/search/cat.php?querytype=category&subcat=mp_Linking).

13. Submit Your Site to Key Directories, since a link from a directory will help your ranking ? and get you traffic. A directory is not a search engine. Rather, it is a hierarchical listing of sites sorted according to category and subcategory. Be sure to list your site in the free?Open Directory Project (www.dmoz.com), overseen by overworked volunteer editors. But if you don?t get listed right away, don?t be impatient and resubmit, or you?ll go to the end of the queue. A link in this directory will help you a lot.

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Yahoo! Directory (dir.yahoo.com) is another important directory. Real humans read submission, so be careful to follow the instruction given. Hint: Use somewhat less than the maximum number of characters allowable, so you don?t have wordy text that will tempt the Yahoo! editor to begin chopping.?Yahoo! Directory Submit(ecom.yahoo.com/dir/submit/intro/) requires a 9 annual recurring fee to have your site considered for inclusion within seven business days.?Other paid business directories that might help are?About.comand?Business.com.

14. Submit Your Site to Trade Organization Sites and Specialized Directories. Some directories focused on particular industries, such as education or finance. You probably belong to various trade associations that feature member directories. Ask for a link. Even if you have to pay something for a link from the organization, it may help boost your PageRank.

Marginal directories, however, come and go very quickly, making it hard to keep up, so don?t try to be exhaustive here. Beware of directories that solicit you for ?upgraded listings.? Unless a directory is widely used in your field, a premium ad is a waste of money ? but the (free) link itself will help boost your PageRank and hence your search engine ranking.

SubmitWolf (www.wilsonweb.com/afd/submitwolf.htm) is a directory submission tool I?ve used with good success . You complete a listing form in the software interface. Then they submit your listing to all the appropriate directories they know of, plus links to sites that require manual submission. It?s a timesaver and works well. Just be careful to submit only to actual directories, not ?linking sites.?

15. Request Reciprocal Links. Find websites in your general niche and request a reciprocal link to your site (especially to your free service, if you offer one, see #24 below). Develop an out-of-the way page where you put links to other sites ? so you don?t send people out the back door as fast as you bring them in the front door. Your best results will be from sites that generate a similar amount of traffic as your own site. High-traffic site webmasters are too busy to answer your requests for a link and don?t have anything to gain. Look for smaller sites that may have linking pages.

Check out Ken Evoy?s free?SiteSell Value Exchange(sales.sitesell.com/value-exchange/). It (1) registers your site as willing to exchange links with other sites that have a similar theme/topic content and (2) searches for sites with similar topical content. Additionally, two automated link building software programs stand out ??Zeus (www.wilsonweb.com/afd/zeus.htm) and?IBP Link Builder(www.wilsonweb.com/afd/arelis.htm). Both of these search the web for complementary sites, help you maintain a link directory, and manage reciprocal links. However, use these programs to identify the complementary sites,?not to send impersonal automated e-mail spam to site owners.

When you locate sites, send a personal e-mail using the contact e-mail on the site or to the administrative contact listed in a?Whois Directory(www.networksolutions.com/whois/). If e-mail doesn?t get a response, try a phone call. Warning: Only link to complementary sites, no matter how often you are bombarded with requests to exchange links with a mortgage site that has nothing to do with your teddy bear store. One way Google determines what your site is about is who you link to and who links to you. It?s not just links, but quality links you seek. Reciprocal linking as hard, tedious work, but it doesn?t cost you a dime out of pocket! Keep working at this continuously, a little bit at a time. Patience and persistence will get you some good links, so keep at it.

16. Write Articles for Others to Use in Websites and Newsletters. You can dramatically increase your visibility when you write articles in your area of expertise and distribute them to editors as free content for their e-mail newsletters or their websites. Just ask that a link to your website and a one-line description of what you offer be included with the article. This is an effective ?viral? approach that can produce hundreds of links to your site over time. You?ll find lots of information on how to do this from the most popular article marketing site,EzineArticles.com. When you create a free membership account, they begin sending you instructions and ideas each week.

17. Issue News Releases. Find newsworthy events and send news releases to print and Web periodicals in your industry. The links to your site in online news databases may remain for several months and will temporarily improve traffic to your site and increase link popularity. Use a online news release service such as?PR Web(www.wilsonweb.com/afd/prweb.htm). Placing your website URL in online copies of your press release may increase link popularity temporarily. More?information on public relations strategies is available in our Research Room (www.wilsonweb.com/search/cat.php?querytype=category&subcat=mp_PR).

Two additional linking strategies, discussed below, are to ask visitors to bookmark your webpage (#20) and to develop a free service (#23), which will greatly stimulate links to your site.

Social Media

Our next type of website promotion comes from the mushrooming field of social media, in which people are encouraged to interact with each other, and respond to each other?s blog postings and comments. You should be aware of four types of social media: (1) blogs, (2) social networking sites, (3) social bookmarking sites, and (4) forums. Don?t be upset if the distinctions between types of social media tend to blur. Social media help promote your site by sending direct traffic, producing links to your site, and generating awareness. The subject is too diverse to go into detail here. You can learn more in our?social media articles (www.wilsonweb.com/newmedia/) and in the?Social Networking section of the Research Room (www.wilsonweb.com/search/cat.php?querytype=category&subcat=mm_SocialNetwork).

18. Begin a Business Blog. Want links to your site? Begin a business blog on your website, hosted on your own domain. If you offer excellent content and regular industry comment, people are likely to link to it, increasing your site?s PageRank. Consistency and having something to say are key. Learn more in the?business blogs section of our Research Room (www.wilsonweb.com/search/cat.php?querytype=category&subcat=ms_Blogs). If you have a blog on a third-party blog site, occasionally find reasons to talk about and link to your own domain.

19. Become Part of a Social Media Community. Some of the best online communities for business include?Facebook(www.facebook.com),?LinkedIn (www.linkedin.com), and?Twitter(www.twitter.com). In addition, you may want to participate in a social bookmarking community in which members share with each other information about websites, articles, or news items that they like (or don?t like). These include?Digg (www.digg.com),?Delicious(www.delicious.com),?StumbleUpon (www.stumbleupon.com), andGoogle Bookmarks (www.google.com/bookmarks/). Search engine spiders troll these sites looking for links to something new and relevant. You can usually place a link to your website in your profile, but the biggest gain comes when other people mention you (which generates traffic to your site), link to you (which increases your PageRank and brings traffic), or bookmark you (which increases your PageRank and brings traffic, see #21 below).

One important reminder, don?t join a community to spam them or talk incessantly about your business. Like any community you must listen, comment, and make a genuine contribution for the good of others. Don?t hog the conversation. Otherwise, your self-serving links and comments will hurt your reputation. By the way, to get started, why don?t you visit my social media pages and become a?Facebook fan(www.facebook.com/pages/Web-Marketing-Today/85187746383) or aTwitter follower (www.twitter.com/ralphwilson) ? please! Thank you!

20. Promote Your Site in Online Forums and Discussion Lists ? ?old school? social media.The Internet offers thousands of very targeted e-mail based discussion lists, online forums, and groups made up of people with very specialized interests. Use?Google Groups(groups.google.com) to find appropriate groups. Search online for blogs or other forums.

Don?t bother with groups consisting of pure spam. Instead, find groups where a serious dialog is taking place. Don?t use aggressive marketing and overtly plug your product or service. Rather, add to the discussion in a helpful way and let the ?signature? at the end of your e-mail message do your marketing for you. People will gradually get to know and trust you, visit your site, and do business with you.

21. Ask Visitors to Bookmark Your Site. It seems simple, but ask visitors to bookmark?your site or save it in their Favorites list. I use a widget called?AddThis (www.addthis.com). When you put the AddThis JavaScript on your webpage, it automatically determines the title and URL of that page. When visitors click the button on your page, they are automatically taken to a page that allows them to choose which bookmarking service they prefer, and then pre-populates the appropriate form with the title and URL of your webpage. I use AddThis throughout my website, as well as in my newsletters. If you have good content that people want to bookmark, this can generate hundreds of links to your site and significantly raise your rankings.

While you?re at it, would you be so kind as to?bookmark this pageusing the button below? Thank you!

Traditional Strategies

Just because ?old media? strategies aren?t on the Internet doesn?t mean they aren?t effective. A mixed media approach can be very effective.

22. Include Your URL on Stationery, Cards, and Literature. Make sure that all business cards, stationery, brochures, and literature contain your company?s URL. And see that your printer gets the URL syntax correct. In print, I recommend leaving off the http:// part and including only the www.domain.com portion.

23. Promote using traditional media. Don?t discontinue print advertising that you?ve found effective. But be sure to include your URL in any display or classified ads you purchase in trade journals, newspapers, yellow pages, etc. View your website as an information adjunct to the ad. Use a two-step approach: (1) capture readers? attention with the ad, (2) then refer them to a URL where they can obtain more information and perhaps place an order. Look carefully at small display or classified ads in the back of narrowly-targeted magazines or trade periodicals. Sometimes these ads are more targeted, more effective, and less expensive than online advertising. Consider other traditional media to drive people to your site, such as direct mail, classifieds, post cards, etc. TV can be used to promote websites, especially in a local market.

24. Develop a Free Service. It?s boring to invite people, ?Come to our site and learn about our business.? It?s quite another to say ?Use the free kitchen remodeling calculator available exclusively on our site.? Make no mistake, it?s expensive in time and energy to develop free resources, such as our?Research Room (www.wilsonweb.com/research/), but it is very rewarding in increased traffic to your site ? and a motivation to link to the site! Make sure that your free service is closely related to what you are selling so the visitors you attract will be good prospects for your business. Give visitors multiple opportunities and links to cross over to the sales portion of your site.

E-Mail Strategies

Don?t neglect e-mail as an important way to bring people to your website. Just don?t spam, that is, don?t send bulk unsolicited e-mails without permission to people with whom you have no relationship. Many countries have anti-spam laws.

You can find lots of details and tips on e-mail marketing in my book?The E-Mail Marketing Handbook(www.wilsonweb.com/ebooks/handbook.htm). I?ll mention just a few important elements here. You can learn more from our?articles on e-mail marketing (www.wilsonweb.com/email/) as well as the?e-mail section of the Research Room (www.wilsonweb.com/search/cat.php?querytype=category&subcat=me_Email-Gen).

25. Install a ?Signature? in your E-Mail Program to help potential customers get in touch with you.Most e-mail programs allow you to designate a ?signature? to appear at the end of each message you send. Limit it to 6 to 8 lines: Company name, address, phone number, URL, e-mail address, and a one-phrase description of your unique business offering. Look for examples on e-mail messages sent to you.

26. Publish an E-Mail Newsletter. While it requires a commitment of time, creating a monthly e-mail publication is one of the most important promotion techniques. It could be a newsletter (?ezine?), list of tips, industry updates, or new product information ? whatever you believe your customers will appreciate. This is a great way to keep in touch with your prospects, generate trust, develop brand awareness, and build future business. It also helps you collect e-mail addresses from those who visit your site, but aren?t yet ready to make a purchase. You distribute your newsletter inexpensively using e-mail marketing services such as:?iContact (www.wilsonweb.com/afd/icontact.htm),Constant Contact (www.wilsonweb.com/afd/constantcontact.htm), and?AWeber (www.wilsonweb.com/afd/aweber.htm). If you have a very small list, some of these services let you use their services free until you grow larger. Blogs are very popular, but don?t really replace e-mail newsletters. You have to go to a blog to read it, while an e-mail newsletter appears in your inbox asking to be read.

I27. Aggressively Ask for E-Mail Sign-ups. If you want to get subscribers to your e-mail newsletter, you?ll need to work hard at it. Include a subscription form on every page of your website. Promote sign-ups through free whitepapers, e-books, or other products. If you have a local business, ask customers to sign up for your e-mail list to get ?special Internet only offers.? Also ask other businesspeople when they give you a business card if you can send them your e-mail newsletter. While only the e-mail address itself is necessary, I always ask for a first name also, so I can personalize the newsletter and the e-mail subject line with the recipient?s name.

28. Send Transactional and Reminder E-Mails. A transactional e-mail is sent to an existing customer to initiate, remind, confirm, or thank the person. Be creative. If you keep careful records, you can send e-mails to customers on their birthday to remind them to return to your site. Subscription confirmation e-mails can also mention several popular products. You might remind customers that it has been three months since their last order and ask if it?s time for a refill. Thank you for your purchase e-mails can offer a coupon to bring your customer back for a future sale. Use your imagination, but don?t pester your customers. You?re there to serve them, not the other way around.

29. Send Offers to Your Visitors and Customers. Your own list of customers and site visitors who have given you permission to contact them will be your most productive list. Send special offers, coupon specials, product updates, etc. They often initiate another visit to your site. If you have a regular newsletter, you can include many of these in your regular e-mailing.

30. Exchange E-Mail Mentions with Complementary Businesses. You might consider exchanging e-mail newsletter mentions with complementary businesses to reach new audiences.Just be sure that your partners are careful where they get their mailing list so you don?t get in trouble with the anti-spam laws in your country.

I?ll mention renting e-mail lists in #37 below under Paid Advertising approaches.

Miscellaneous Strategies

Here are a couple of strategies that don?t fit elsewhere.

31. Announce a Contest. People like getting something free. If you publicize a contest or drawing available on your site, you?ll generate more traffic than normal. Make sure your sweepstakes rules are legal in all states and countries you are targeting. Prizes should be designed to attract individuals who fit a demographic profile describing your best customers. See?articles on contests and incentives in our Research Room (www.wilsonweb.com/search/cat.php?querytype=category&subcat=ma_Incentives).

32. Devise Viral Marketing Promotion Techniques. So-called viral marketing uses existing communication networks to spread the word exponentially. Word-of-mouth, PR, creating ?buzz,? and network marketing are offline models. Promotion strategy #16 above, ?Write Articles for Others to Use for Website and Newsletter Content,? is a kind of viral approach.

The key to the best viral marketing, however, is create something that generates buzz and is so cute / fascinating / fun / bizarre that it gets passed by viewers to their friends via e-mail and social networks ? thousands of times ? so that it propels more and more people to your website, and, hopefully, helps enhance your brand, produce sales, and ultimately boost profits. Internet marketers often seek to launch viral campaigns on?Digg (www.digg.com) or?YouTube (www.youtube.com). Digg is a social bookmarking site with such power, that if enough people ?Digg? you, you appear on the Digg front page and receive a huge number of visitors in a few hours. If your video goes viral on YouTube, you could get tens of thousands of visits to the site you promote in the video. However, viral marketing is difficult to do well. If you want to pursue this, I suggest you read?MarketingSherpa?s?How to Viral Market toolkit (www.wilsonweb.com/afd/sherpa_viral.htm). You can find?articles on viral marketing in the Research Room (www.wilsonweb.com/search/cat.php?querytype=category&subcat=mm_Viral).

Paid Advertising Strategies

None of the approaches described above is ?free,? since each takes time and energy. But if you want to grow your business more rapidly, there comes a point when you need to pay for increased traffic. Advertising is sold in one of three ways: (1) traditional CPM (cost per thousand views), (2) pay per click (PPC), and (3) pay per action (PPA) or cost per action (CPA) approaches. Examples of the latter are affiliate program and lead generation programs. Banner ads get such a low click-through rate (0.2%) that I don?t recommend paying much for them. Banner ads typically cost about 50? to per thousand page views, except on targeted sites.? Do some small tests first to determine response. Then calculate your return on investment (ROI) before spending large amounts. Here are some methods to explore:

33. Advertise in an E-Mail Newsletter. Some of the best buys are small text ads in e-mail newsletters targeted at audiences likely to be interested in your products or services. Many small publishers aren?t sophisticated about advertising and offer very attractive rates.

More effective (and more expensive) is to send out an appropriate solo e-mail to the targeted list?s subscribers. These often get a good response.

34. Begin an Affiliate Program. Essentially, a retailer?s affiliate program is a CPA program that pays a commission to other site owners whose links to the retailer?s products result in an actual sale. The goal is to build a network of affiliates who have a financial stake in promoting your site. If you?re a merchant, you need to (1) determine the commission you are willing to pay (consider it your advertising cost), (2) select a company to set up the technical details of your program, and (3) promote your program to get the right kind of affiliates who will link to your site. Software and service companies are available to facilitate the process. The problem is getting enough affiliates who will actually work hard to promote your products or services. These ?super affiliates? will probably consist of only 1% to 3% of your total number of affiliates. You can learn more by reading?articles about affiliate program marketing in the Research Room (www.wilsonweb.com/search/cat.php?querytype=category&subcat=em_Associate).

35. Purchase Pay Per Click (PPC) ads with?Google AdWords(adwords.google.com/select/),?Yahoo! Search Marketing(www.wilsonweb.com/afd/overture.htm), or?Microsoft AdCenter(adcenter.microsoft.com). This strategy is way down the list, but it is vitally important. Most Internet businesses will want to explore using Google AdWords to drive targeted traffic to their websites.

These PPC ads appear on the search engine results page, typically both above and to the right of the organic or natural search engine results. Since they are keyword-driven, they can be quite relevant to what a searcher is trying to find. Your ranking in this list of paid text ads is determined by (1) how much you have bid for a particular search word compared to other businesses, (2) the click-through rate on your ad, and (3) your Quality Score, which reflects the relevancy and quality of your ad and the landing page it points to.

PPC ads can be a cost-effective way to get targeted traffic, since you only pay when someone actually clicks on the link. But I strongly recommend that you study this carefully and expect a learning curve before you invest large sums of money in PPC advertising. Read Andrew Goodman?s book?Winning Results with Google AdWords(Second Edition, McGraw-Hill, Dec 2008, ISBN 0071496564). You can find?articles on Paid Search on our site (www.wilsonweb.com/paid-search/) and in the?PPC advertising section of the Research Room (www.wilsonweb.com/search/cat.php?querytype=category&subcat=mp_PPC).

36. List Your Products with Shopping Comparison Bots and Auction Sites. If you?re an online merchant, you?ll want to consider this. Shopping bots compare your products and prices to others. Some work on a PPC (Pay Per Click) basis, others on a CPA (Cost Per Action) basis, perhaps with a listing fee. Bots to consider include?mySimon(www.mysimon.com),?BizRate (www.bizrate.com/),?PriceGrabber(www.pricegrabber.com/), and?Shopping.com (www.shopping.com). Shopping sites that include comparison features include:?eBay(www.ebay.com),?Yahoo! Shopping (shopping.yahoo.com), andAmazon Marketplace(www.amazon.com/gp/help/customer/display.html?nodeId=1161232). You pay to acquire first-time customers, but hopefully you can sell to them a second, third, and fourth time, later on.

37. Rent targeted, commercial e-mail lists. The last website promotion technique I?ll mention is renting targeted e-mail lists. We abhor ?spam,? bulk untargeted, unsolicited e-mail, and you?ll pay a very stiff price in a ruined reputation and cancelled services if you yield to temptation here. But the direct marketing industry has developed targeted e-mail lists you can rent ? lists consisting of people who have agreed to receive commercial e-mail messages. These lists cost to 0 per thousand or 4? to 40? per name. Do a smaller test first to determine the quality of the list. Your best bet is to?find an e-mail list broker (www.google.com/search?&q=e-mail+list+broker) to help you with this project. You?ll save money and get experienced help for no additional cost. Realize, however, that due to the high cost of renting lists, many businesses won?t generate enough businesses to justify the cost. Run the numbers before you invest.

Whew! That?s it. We certainly haven?t exhausted ways to promote your site, but these will get you started. To effectively market your site, you need to spend time adapting these strategies to your own market and capacity. Right now, why don?t you make an appointment to go over this checklist with someone in your organization? Make this Checklist jump-start for your new Internet marketing strategy.

Source: http://eportalsite.com/internet-marketing-and-seo-technetto/

Degrading proteins to divide cells

Friday, August 26, 2011

From bacteria to humans, all forms of life are based on the capacity of one cell to divide into two or more identical daughter cells. In doing so, cells have to produce a copy of their genetic material (DNA) and separate it into two identical sets, one for each daughter cell. Immediately after duplication and before its segregation, DNA is packed in chromosomes that consist of two identical strands joined at a point along their length, called centromeres. Centromeres ensure accurate separation of the chromosomes between daughter cells by directing the assembly of the molecular scaffolding that helps separate cells. The group of scientists led by the IBMB-CSIC Professor and IRB Barcelona researcher Ferran Azor?n has identified the main instrument that Drosophila cells use to control the levels of the CenH3 protein, a key element for defining the identity and function of the centromere in the fruit fly.

CenH3 is a unique variant of conventional histones ?proteins responsible for DNA packaging? found exclusively in the centromeres of all eukaryotes studied to date. "The presence of CenH3 in chromosome regions other than the centromere is sufficient to cause defects in chromosome separation in Drosophila and in budding yeast", explains Azor?n. In yeast and Drosophila, the controlled degradation of CenH3 is known to be one of the mechanisms that regulate its location in the centromere. How this mechanism works, however, has been a mystery until now. The study, led by Azor?n and published online on August 25 in Current Biology, shows that CenH3 interacts specifically with the protein partner of pair (Ppa), involved in directing proteins toward degradation. "We have demonstrated that degradation of CenH3 is essential for limiting its presence at the centromeres and that this degradation is mediated by the protein Ppa, which targets CenH3 to one of the cell's degradation mechanisms, the proteasome", explains Azor?n. The proteasome is a barrel-shape protein structure that breaks down and disposes of unfunctional or unnecessary proteins in the cell. When a protein has to be degraded it needs to be somehow 'tagged' for degradation so it can be detected efficiently and directed to the proteasome. Ppa is part of a 'degradation labelling complex' that marks proteins such as CenH3 with a molecule called ubiquitin for destruction in the proteasome.

"The split between insects and humans during evolution must have occurred about 5 hundred millions years ago. However, most of the molecular components of the centromere have remained practically unchanged in all eukaryotic organisms: CenH3, for example is found in all eukaryotic centromeres", says Azor?n. In Drosophila and also in humans impairment of chromosome segregation during cell division may contribute to disease and birth defects. Thus, errors in centromere function can lead to chromosome instability and aberrant cell division, both of which are often observed in cancer cells. Given the essential roles of the centromeric CenH3 during cell division and the similarities in centromeric structure and function observed among all eukaryotes, the insights into Drosophila centromere stability provided by Azor?n's group may contribute to our understanding of the genetic basis of cancer.

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Institute for Research in Biomedicine (IRB Barcelona): http://www.irbbarcelona.org

Thanks to Institute for Research in Biomedicine (IRB Barcelona) 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 51 time(s).

Source: http://www.labspaces.net/112844/Degrading_proteins_to_divide_cells

Saturday, August 27, 2011

In Sweden, no 'he' or 'she,' just 'friend'

In an effort to combat gender stereotypes, a government-funded preschool in Stockholm has eliminated the use of gendered pronouns.

Stockholm, Sweden

? A local, slice-of-life story from a Monitor correspondent.

Skip to next paragraph

Here in Stockholm ? at the taxpayer-funded preschool Egalia ? girls are encouraged to play with trucks, boys with toy kitchens. And while many progressive preschools make moves in that direction, Egalia steps it up. Referring to someone as ?he? or ?she? is not allowed. Only ?friend? will do.

Alexander S?derqvist, a teacher at the school, says he believes in helping the youngest members of society avoid gender-based stereotypes. ?It?s fun to be part of something different,? he says, adding that there is a waiting list for entry to the school.

Others note that Sweden has long been a leader in promoting gender equality (j?mstalldhet). A study published last year by the World Economic Forum ? ?The Global Gender Gap Report 2010? ? ranked Sweden fourth worldwide (behind Iceland, Norway, and Finland).

But some critics of Egalia, where teachers and staff select books and activities aimed at discouraging rigid, gender-specific play among the 1-to-6-year-olds, say the Swedes may have gone too far.

Jeanne Sager wrote recently on the parenting website CafeMom that ?inside the walls of Egalia, gender doesn?t exist. But outside of Egalia, gender does exist. ... I want my daughter to be equal to boys, but that doesn?t mean that she should ignore her femininity...?

Source: http://rss.csmonitor.com/~r/csmonitor/globalnews/~3/a3tvIykGPw0/In-Sweden-no-he-or-she-just-friend

How a Robotic Telescope Just Found the Youngest Supernova Yet [Space]

See that little, growing white dot? That's the youngest supernova ever discovered and the closest to Earth in a generation. More »


Source: http://feeds.gawker.com/~r/gizmodo/full/~3/plaxb4gmx4Y/how-a-robotic-telescope-just-found-the-worlds-youngest-supernova

Friday, August 26, 2011

How an Australian Charity's Swag Is Fighting Homelessness Across Oz [Video]

As many as 15,000 people sleep on Australia's streets each night, subjected to violence, harassment, and the elements. That's 15,000 too many for Tony Clark's tastes. So his charity, Swags for Homeless, hands out these ingeniously integrated tent-mattresses called the Backpack Bed. More »


Source: http://feeds.gawker.com/~r/gizmodo/full/~3/ShaNadg8lOg/how-an-australian-charitys-swag-is-fighting-homelessness-across-oz

Thursday, August 25, 2011

1 out of 3 sales a foreclosure in Colorado | Inside Real Estate News

Foreclosures in Colorado accounted for 35.9 percent of all sales in the second quarter, compared with 31.3 percent for all sales nationally, according to a report released today by RealtyTrac.

The report by the Irvine, Calif.-based company also showed that some parts of Colorado showed gigantic year-over-year percentage increases in foreclosure, although the numbers are extremely small.

Durango, for example, showed a 500 percent increase in foreclosures in the second quarter from the same period in 2010, yet only had 24 foreclosure sales between April and June of this year.

Grand Junction?s 134 foreclosures were 306 percent higher than a year earlier and foreclosures were up 220 percent in Fort Morgan, where a mere 32 sales were tracked by RealtyTrac in the second quarter.

Of 14 metropolitan statistical areas broken out by RealtyTrac in Colorado, there were 4,272 foreclosure sales. The Denver Aurora area accounted for 60 percent of those, with 2,573 foreclosure sales. In the Denver-Aurora MSA, foreclosure sales were down 4.8 percent on a year-over-year basis, compared to a 10.2 percent drop for the entire nation.

Boulder, with 73 foreclosures, showed the biggest percentage drop, falling 48.6 percent from the second quarter of 2010.

Silverthorne, with only nine foreclosures, had the highest average price of a foreclosed sale at $445,916. The national average was $164,217. In the Denver-Aurora MSA, the average foreclosure price was almost identical to the national average at $164,030 in the second quarter, RealtyTrac reported. The average price in Edwards, in Eagle County, was $368,436 for its 20 foreclosure sales, while it was $230,702 in Boulder.

Statewide the average sales price of all foreclosures in Colorado was $170,317 in the second quarter.

U.S. Snapshot

Nationally, foreclosure sales are down from almost 36 percent of all sales in the first quarter, but are up from 24 percent in the second quarter of 2010.

Despite the increase in share of total sales from a year ago, sales of real estate in some stage of foreclosure or bank-owned (REO) properties decreased from a year ago in terms of raw numbers. Third parties purchased a total of 265,087 homes in foreclosure or bank owned nationwide in the second quarter, up 6 percent from a revised first quarter total but still down 11 percent from the second quarter of 2010.

Nationally, the average price of a home in foreclosure or bank-owned was down less than 1 percent the first quarter and down nearly 5 percent from the second quarter of 2010.

?With average prices on distressed real estate trending down and average discounts trending up, this report is clearly good news for well-positioned buyers and investors looking for bargain real estate that will build them wealth in the long term and often cash flow as rental real estate in the short term,? said James Saccacio chief executive officer of RealtyTrac. ?Maybe less evident, however, is the good news in this report for distressed homeowners looking to sell, and even lenders saddled with large portfolios of delinquent loans.

?The jump in pre-foreclosure sales volume coupled with bigger discounts on pre-foreclosures and a shorter average time to sell pre-foreclosures all point to a housing market that is starting to focus on more efficiently clearing distressed inventory through more streamlined short sales ? at least in some areas,? Saccacio continued. ?This gives distressed homeowners who do not qualify for loan modification or refinancing ? or who are not interested in those options and want to sell ? a better chance of completing a short sale to avoid foreclosure. Streamlined short sales also give lenders the opportunity to more pre-emptively purge non-performing loans from their portfolios and avoid the long, costly and increasingly messy process of foreclosure and the subsequent sale of an REO ? which may end up selling for a lower price than it would have as a pre-foreclosure short sale?and in the meantime further stresses already overloaded REO departments.?

Contact John Rebchook at JRCHOOK@gmail.com

Related Posts:

Source: http://insiderealestatenews.com/2011/08/foreclosures-36-of-colorado-sales/

Key Mistakes To Avoid When Starting A Home Based Business ? Home ...

Article by Khemal Dole

Are you thinking about starting a home based business? Read this before you do anything else. Starting a home based business can be overwhelming and baffling for the inexperienced. The fact that there are a lot of ?business opportunities? on the internet does not make it any easier for those wanting to choose the right home based business. You can easily succeed with your home based business if you just avoid some common mistakes which people make.

1. Not having any plan. A lot of people start their business with no plans, and this is a huge mistake. It is essential to take the necessary time and effort to plan the business and clearly state the objectives you intend to achieve. Some people start their home based business like a hobby and treat it like one. Do not expect to make millions with your online home based business if you treat it like a hobby.

2. Thinking that you can make money overnight. This is a common misconception which people have, which is also the reason why many people fail and give up easily. Your online home based business is like any other business ? you will need to apply the necessary effort and dedication to make it work.

3. Trying to reinvent the wheel. Some people starting a home based business make their learning curves very hard and long. The internet is full of proven money making business models. You can succeed easily by identifying the business type that you would like to have your home based business focused on, try to find someone who has succeeded with that business and learn from them, and duplicate what they have done to succeed. It is also important to have the necessary support network, which can be a relevant forum where you can learn more about running your home based business successfully.

4. No market study before creating a product or starting the business. Yet another very common mistake. For your home based business to succeed, you will need to have a market for whatever you will be offering. Demand for your products is the most important factor that determines the success of your home based business. A market study on the current market size and future potential of the product or service is therefore very important.

5. Thinking that your online home based business doesn?t need any capital. This is another very common misconception. If you think you can start and develop a home based business without spending a dime, you are misleading yourself. Be prepared to spend some money to get all the resources you will need to develop your business. Although it varies with the type of the home based business you want to set up, you would need some initial resources that you have to invest in the business. This can be for setting up your website, just as an example. You may also need to buy some resources to make your online home based business fully set up.

6. Lacking commitment. Your online business will need a lot of effort for it to succeed, especially during the first two years. You must therefore be prepared to give your business your total commitment.

If you want to succeed with your home based business, simply avoid the mistakes outlined above.



About the Author

Khemal Dole owns and operateshttp://www.PaychecksDirect.com, a completely FREEservice which helps many first-timers and evenexperts find their perfect Work At Home job. Visit www.paychecksdirect.com right now and see foryourself why so many are flocking to his site.

Source: http://homebusinessplannews.com/articles/key-mistakes-to-avoid-when-starting-a-home-based-business%C2%A0%C2%A0/

Wednesday, August 24, 2011

What Is Home-Equity Loan? ? Finance Broker :: Financial Brokers

For a lot of you who would like to know what home-equity loan is, it is also the second mortgage. This allows homeowners to borrow money by matching the equity in their homes. It started to become popular in 1996 because it gave consumers the chance to adjust to any tax changes.? Homeowners may loan up to $100,000 and can still deduct the interest the moment they file their tax returns.

8 24 2011 12 29 57 PM What Is Home Equity Loan?There are actually two types of home-equity loans, the Fixed Rate Loans and The Home-Equity Lines of Credit, although both these types have terms that range from 5 up to 15 years. And the moment that their home is sold, the loans must be fully repaid.

The difference of the two types are:

  • With fixed-rate loans, the borrowers have a single and lump-sum payment that also has a scheduled time frame and fixed interest rate. This remains the same as long as the loan exists.
  • With Home-Equity Loans, or home-equity line of credit, is similar to the credit card.? It has a variable-rate and the monthly payments vary based on the borrowed amount and the present interest rate.

This type of loan, however, is beneficial for responsible borrowers.? If you are the borrower who has a stable and steady income, then the tax deductibility of the paid interest can benefit you the most.? The fixed-rate home-equity can work for you since this system helps you to cover a single large purchase and still be able to answer to an unexpected medical bill or college tuition.

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Source: http://www.financebroker.com/loans-2/what-is-home-equity-loan/

Why Paul Ryan isn't running for president: 5 theories (The Week)

New York ? The House GOP's budget guru won't seek the White House in 2012, despite the Republican establishment all but begging him to join the fray

First Mitch Daniels and now this. On Monday, Rep. Paul Ryan (R-Wis.)?dashed "the conservative intelligentsia's last best hope to get one of their own in the race" for president. The chairman of the House budget committee?announced (again) that he would not seek the GOP presidential nomination. Why is the budget wonk ignoring the pleas of The Weekly Standard, Jeb Bush, and other members of the Republican elite who desperately want him to run? Here, five theories:

1. It's too late
If Ryan had decided to run, he "would have had to start from scratch," and "he did not want to play catch up," says Robert Costa in the National Review. While the Wisconsin conservative does have a political action committee of his own, it's not nearly big enough to compete nationally, and he would have been stuck fielding a campaign team while also juggling a packed schedule of debates and fundraising events ? with the first-in-the-nation Iowa caucuses quickly approaching early next year. "It really was late to begin a run from scratch," says Jonathan Bernstein at A plain blog about politics.

2. He didn't really want it
"For Ryan, being president has never been a lifelong ambition," says Stephen F. Hayes at The Weekly Standard. "His consideration of a presidential bid came not because of any desire to be president and, in many respects, came in spite of his inclinations against one." He always wanted to be a wonky Jack Kemp, not a presidential Ronald Reagan.

3. Ryan might be viewed as a one-trick pony
Candidate Ryan "would clearly be an expert on fiscal issues,"?says Matt Lewis at?The Daily Caller. But "what if foreign policy experience suddenly became important? What if Russia invades Georgia?" Ryan "lacks executive experience," and fair or not, he would likely have been perceived as a youthful lightweight on non-fiscal issues.

4. Democrats would have pilloried his Medicare plan
The 41-year-old Wisconsin conservative has "some radical ideas, such as turning Medicare into a voucher system," says Jonathan Capehart at The Washington Post. That plan may play well with conservatives, but turning Ryan's proposal into a campaign issue in the general election had "Democrats swooning over the electoral possibilities." Indeed, says Lewis. The bold plan "would be easily demagogued" by "Mediscare"-trumpeting Democrats.

5. Losing would have damaged his budgetary cause
"One of Ryan?s chief concerns all along was whether an unsuccessful presidential campaign would undermine the GOP's fiscal hawks," says Costa. While he could have recovered from a unsuccessful run, "he worried that his fiscal agenda might end up politically discredited" by "an inglorious end in the snows of New Hampshire or the hills of South Carolina."?Perhaps the best role for the fiscally-minded Ryan "is to continue to lead in the House, shaking up the chamber's spending ways and nudging the presidential field in the right direction."

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Source: http://us.rd.yahoo.com/dailynews/rss/politicsopinion/*http%3A//news.yahoo.com/s/theweek/20110823/cm_theweek/218490

Tuesday, August 23, 2011

Do You Suffer From Acid Reflux and Heartburn ? ? Health & Fitness

Does that cup of morning coffee cause you pain and suffering? Are you frustrated when an evening dinner out with friends ends in discomfort instead of relaxed conversation? Do you carry and take antacids every day?

Heartburn is a lot more than a mere nuisance. It can detract from enjoying a good meal and force you to change your routine. It dictates your every decision ? what you can eat, what you can drink, when you need to lay down.

What is this vexing problem and how can you find relief?

WHAT CAUSES HEARTBURN?

Heartburn occurs when stomach acid makes its way back into the esophagus. A burning sensation and bitter taste are commonly experienced by heartburn sufferers.

If you are suffering more than a couple of times each week you may have the more serious problem of acid reflux disease ? also known as GERD (gastroesophageal reflux disease).

Not all heartburn is caused by GERD. Occasional heartburn can be caused by many different factors. However, if you have regular episodes there are a number of things you can do to help.

WHAT SHOULD YOU DO?

If you have regular heartburn, the first thing you should do is stop regularly using antacids. Antacids can alleviate the pain of occasional heartburn, but because they are designed to neutralize the acids in your stomach they can cause the stomach to create even MORE acid ? a vicious cycle called ?acid rebound?. Also, some antacids cause diarrhea or constipation.

Avoid heartburn-triggering foods such as caffeine, chocolate, alcohol, citrus, spicy or tomato-based foods as well as fatty or fried foods, onions or garlic.

Smoking or being overweight also increases the risk of GERD. Lifestyle changes may help to control the symptoms.

Activities such as lying down after a meal, bending forward, lifting heavy items or eating large meals can cause the onset of acid reflux. Avoiding these activities after a meal and eating smaller portions may help.

A few natural products such as extract of orange peel are being researched for their abilities to curb heartburn.

WHO IS AT RISK FOR GERD?

Anyone. But it should be noted that pregnant women, the overweight and smokers are all good candidates.

Additionally, young babies have immature digestive systems, so they may be prone to GERD. Precautions like frequent burping and keeping the infant upright for 30 minutes after eating can minimize the occurrence.

Older children may have to take precautions in diet and activity just as adults do. You should always consult your physician when you suspect GERD, just to avoid future complications.

If you suspect GERD, contact your doctor right away. There can be harmful side effects of persistent heartburn including scarring of the esophagus, erosion of the teeth and even an increased risk of esophageal cancer. Frequent, persistent heartburn can also be a symptom of other serious conditions and should be checked on by a physician.

If you want more information on Heartburn, don?t read just rehashed articles online to avoid getting ripped off. Go here: Heartburn

Source: http://health.blogmeout.net/2011/08/do-you-suffer-from-acid-reflux-and-heartburn/

Monday, August 22, 2011

Dallas Commercial Property Listings | Commercial Real Estate ...

[unable to retrieve full-text content]Please find a select group of our client's commercial properties listings. Dallas Commercial Real Estate is growing, while commercial markets outside of Texas are stagnant. Search the Commercial Real Estate Dallas on ...

Source: http://www.rednews.com/index.php/2011/08/dallas-commercial-property-listings/

MLM Business Plan ? Developing A Lead Capture Page | Articles N Tips

Do you would like to know ways to set up an exclusive lead capture in five minutes or much less? Many individuals within the Residence based business organization can?t think of an outstanding productive lead capture page to begin with there MLM business plan to create leads or a marketing and advertising list to their business site. They fall short for the reason that they haven?t been taught to develop an valuable lead capture page for their organization. On the other hand, do not ever copy a different person?s also. It is not a fantastic method to go by means of with it online. You desire to stand out from the crowd and offer you a remedy to clear up other people?s problems. That is why it is vital to use a lead capture page in mlm marketing.

If you are not familiar what a lead capture page is, it is an attention headlines on top, a relevant picture or video of which kind of business you are going to begin out with on on line. Additionally, there is an opt-in box intended to record the person?s name and email of the prospects which come by way of your web page.

Studying to setup a distinctive lead capture page is not too difficult to setup and numerous people are frustrating themselves to make one as there own, even so it is going to take a whilst at very first. Once you get the hang of it,it?s going to quickly turn into normal and able to create a lead capture page in five minutes of less.

So, before you start your MLM business plan and advertising techniques, you need to set up a lead capture page, so you must make an account with one of those autoresponders. I highly suggest acquiring Aweber or Get Response. I personally function with Aweber, but they?re both wonderful autoresponders for mlm marketers.

The email autoresponder do is that it directs emails to your leads that have been generated on autopilot to the individuals opt-in your lead capture page that insert their name and e-mail within the opt-in box. Therefore, make your commitment to go with an auto responder that you?re most confident with to ensure that you will not have any genuinely difficult experience whenever you are using the email autoresponder.

When you get utilised to your selected email autoresponder, soon after finding expertise as an online marketer you surely acknowledge you wouldn?t able to business on the net without it. A lead capture page isn?t about your Network marketing and advertising corporation, compensation plan or goods. It truly is put into use to develop your leads that is being given to your email autoresponder together with your MLM business plan. Consequently, you don?t want to leave cash on the table. It?s just many of my solutions as a brand new internet mlm marketer. This is normally a quite simple critical factor that you should master in order to flourish as a business owner inside the Home based business organization.

Find out extra secrets for Free of charge with these MLM Business Plan Marketing Strategies TODAY! It is a Have to if you want to be in the top 3% of Network Marketers to prosper in MLM and having your prospects chasing or calling you about your business opportunity!

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Source: http://www.articlesntips.com/internet-and-businesses-online/internet-marketing/mlm-business-plan-developing-a-lead-capture-page.html

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