Prepaid credit is better than prepaid debit cards ? Business ...

I have a serious issue of overspending. I somehow end up buying things that I don?t use or need. This habit got in trouble one day. I realized that I could no longer pay my credit and debt on time and the biggest issue was that I couldn?t afford to pay for it. My credit rating came crashing down and I did not know what to do. Some people recommended that I opt for?prepaid debit cards.?This was the logical option, but after considering it I thought that I would like to try something else. The only other viable option was?pre paid credit cards.

These are similar services like the credit card, but as compared to a credit card there was no credit check required. Credit card companies usually do this before they give you a credit card and before they deem you as credit worthy. I started looking for websites that offered this service and this is the one that I found. One of the key reasons that I choose this website over other is that it offered a lot of other perks. They have cash back offers and also a lot of different things that enabled me to manage my income. They are also tied up with some of the leading retail outlets and supply chains. Just by using this service I was opening myself up to a host of discounts and offers. I can recommend this service to anyone who is looking to manage their finance and their income.

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Paul Ryan Endorses Mitt Romney

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Equifax: New Auto Finance Loan Amounts Up $11.6 Billion | Dealer ...

ATLANTA ? Sub-prime origination growth across all lending sectors continues with notable increases, according to recent U.S. consumer data from Equifax?s March National Consumer Credit Trends Report and? CreditForecast.com, a joint product of Equifax and Moody?s Analytics.. The report shows origination growth across multiple vertical markets through 2011.

The number of bank credit card accounts increased from Dec. 2010 to December 2011, a product of lenders more aggressively seeking new customers and consumers increasing demand for new credit.

New credit in 2011 ($782 billion) remained below pre-recession levels, but gained more than 10% over 2009 and 2010 levels ($695 and $709 billion, respectively).

Increases in credit limits were also seen in 2011, as total retail credit card limits increased 6% year over year from Dec. 2010 to Dec. 2011* and total bank credit card limits jumped 24% from Dec. 2010 to Dec. 2011.** Consumer finance credit limits also saw a comparatively modest improvement of $1.2 billion from Dec. 2010 to Dec. 2011.

Total consumer debt in the U.S. currently stands at $11 trillion, a decrease of 11% from its peak in Q4 2008 at $12.4 trillion. The drop is driven by a nearly 12% drop in home financing balances, which fell from $9.8 trillion in 2008 to $8.7 trillion in February 2012. Non-mortgage and non-student consumer debt balances also fell sharply (22%) from the early 2008 peak of $2.05 trillion. After reaching a post-recession low of $1.60 trillion in May 2011, consumer debt balances have risen about 2%.

?The evidence of increased lending to sub-prime consumers demonstrates banks? ongoing efforts to grow lending by providing credit opportunities to more consumers,? said Equifax Chief Economist Amy Crews Cutts. ?Year-over-year results show borrowers are taking advantage of the new opportunities and seeking to diversify their financial activity, which is building momentum toward economic improvement.?

Other notable findings from Equifax? March Credit Trends Report include:

Bank Credit Cards

• Lending to sub-prime consumers showed a 41% increase from 2010 to 2011 as sub-prime borrowing hit a four-year high in Dec. 2011 with 1.1 million new bank credit cards issued.
• New sub-prime card limits grew 55% from 2010 to 2011. At $12.5 billion in 2011, bankcard limits are at their highest level since 2008 ($27.4 billion).
• Bank credit card growth continues, but is still well below pre-recession levels. In 2011 39.9 million bankcards were opened, an 18% increase from 2010 and the highest total since 2008.
• The increase in total bank credit card originations was accompanied by a 31% increase in total credit limits from 2010 to 2011. 2011 marked the first time in over four years that credit lines increased, reaching $163 billion.

Retail Credit Card

• In early 2009, the share of retail card balances held by low-risk borrowers started increasing markedly. Today, low-risk borrowers hold just below 42% of retail card balances, followed by high-risk borrowers who now make up nearly 26% of balances outstanding.
• From 2010 to 2011 there was a 4.7 percentage point increase in retail card originations to sub-prime borrowers, making up 31% of 2011 retail credit card originations.
• Retail credit card limits grew almost 6% in 2011, totaling $60 billion for newly originated cards.
• New retail card tradelines in December 2011 showed a 4% increase over the same month a year ago, adding 4.2 million new accounts.
• The decline in total retail card limits appears to be nearing a bottom as delinquency rates and write-offs show continued declines.

Auto Finance

• Subprime borrowers are gaining share in new auto loan originations, especially in the auto finance segment where they now make up over 46% of the market; prime borrowers make up a larger share (83%) among auto bank originations, but have also lost share over the past two years to subprime borrowers.
• New auto finance loan amounts increased $11.6 billion from 2010 ($164.6 billion) to 2011 ($176.2 billion), hitting the highest originations level since 2007 ($221.1 billion).
• Similarly, auto bank loan amounts were up 14% from 2010 ($162.1 billion) to 2011 ($187 billion), nearly reaching the levels seen pre-recession.
• The number of new auto loan originations increased over 2% from 2010 ($17.3 million) to 2011 ($19.6 million).? The 2011 figure surpasses 2008 totals and is 9% lower than the six-year high reached in 2007 of $21.5 million.
• Severe delinquency rates for auto finance loans are worse than for auto bank tradelines, however both rates have fallen back to pre-recession levels.
• In 2011, total new auto loan originations hit a 6-year high for the month of December, although total originations for the year were at a 4-year high.

Consumer Finance

• New consumer finance loans originated in 2011 (20.2 million) were up over 4% from 2010 (19.4 million), and the highest since 2008 (24.8 million).
• Consumer finance delinquency rates are on the decline, dropping to 7% in February 2012, the lowest level since July 2007.
• From 2007 to 2010, consumer finance loan originations were falling, but the trend reversed in 2011, with $1.2 billion of new loan amounts added.
• New consumer finance originations for the month of December reached $5 billion in 2011; the last time December originations were that high was in 2008 ($5.1 billion).
• Consumer finance loans have typically served high?risk consumers, but in February 2011, low-risk borrowers became dominant in the segment; as of February 2012, just over 33% of consumer finance loans (by dollars) were to high-risk borrowers while 39% were to low-risk borrowers.

Student Loans

• Student loans cater to borrowers who have little current income and who are generally young in their credit histories; for this reason, new student loan originations are dominated by higher-risk borrowers, although the share has shifted slightly over the past two years to low-risk student borrowers.
• As of December 2011, nearly 66% of newly originated student loans were held by higher-risk borrowers.
• Among total outstanding student loan balances, low-risk borrowers have seen declining share though they still dominate; as of February 2012, low-risk borrowers accounted for 37% of outstanding student loan balances, while high-risk student borrowers accounted for almost 35%.
• Average loan size for new student loans fell in December 2011 relative to the same time a year ago, but total new student loan debt per consumer rose to a 5-year high; December 2011 average loan size decreased 8% ($6,850 to $6,333) relative to December 2010, while total student loan debt per consumer increased 3% (from $9,322 to $9,558).

*? Dec. 2010 ($56.7 billion) to Dec. 2011 ($60.0 billion)
** Dec. 2010 ($124 billion) to Dec. 2011 ($163 billion)

About CreditForecast.com

Equifax and Moody?s Analytics are leaders in the collection, analysis, and forecasting of household credit trends.

CreditForecast.com, a joint product of Equifax and Moody?s Analytics, provides insight into how local economies affect consumer credit behavior and performance. CreditForecast.com provides history and forecasts for a wide range of household credit, economic, and demographic variables across targeted geographic markets throughout the U.S. ? enabling customers to examine, segment, and stratify credit risk and economic data. CreditForecast.com covers all major consumer product lines including first mortgage, home equity, auto loans, bankcards, student loans, consumer finance and retail. For more information, please visit www.creditforecast.com, email help@economy.com or call +1.866.275.3266

About Equifax, Inc.

Equifax is a global leader in consumer and commercial information solutions, providing businesses of all sizes and consumers with information they can trust. We organize and assimilate data on more than 500 million consumers and 81 million businesses worldwide, and use advanced analytics and proprietary technology to create and deliver customized insights that enrich both the performance of businesses and the lives of consumers.

Headquartered in Atlanta, Equifax operates or has investments in 18 countries and is a member of Standard & Poor?s (S&P) 500? Index. Its common stock is traded on the New York Stock Exchange (NYSE) under the symbol EFX. For more information, please visit www.equifax.com.

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How to Interview a Real Estate Agent | Orem Homes

Why does a buyer need to interview a real estate agent? Because the realtor will be representing the buyer in finding and purchasing a home, a very expensive investments. The real estate agent is working for the buyer so it is a good idea to know some things about the person you are about to hire. The buyer needs to know if the real estate agent qualified to handle the job and also if the realtor will work in a professional, timely and ethical way. Here are some things you should ask your potential agent during the interview:

How long have you been a real estate agent? It is a good idea to find out how long the agent has been in the business. A new agent may spend a lot of time with you but an experienced agent may sometimes not be available. The difference is in the experience level. The lack of experience on the new agent?s part may not serve you well. A well seasoned agent may require you to do some of the work on your own, for example, driving around the neighborhood to see if you like it. The difference in experience will be tested during the transaction ? offer, presentation and negotiations.

It is easy finding a home but make sure your agent can draft a contract, negotiate the best terms for you and perform all the necessary and required documentations. Make sure the real estate agent is experienced, educated and knowledgeable in the purchase of homes because a small mistake can cost the buyer a lot of headache, time and sometimes money. Always ask for your realtor?s background, education and experience.

What is your strategy of searching for and finding a home? Ask to see a copy of your realtors ?plan of action?. How will he or she go about finding a home for you? What will he expect you to do? Have the real estate agent explain his or her plans. It is advisable to arrange a meeting with a lender to determine how much house you can afford before going out to look. Ask your real estate agent how he will do his job and what he expects of you, the buyer.

How do you negotiate the best deals for your buyers? Ask your agent if he or she will help you decide on a price to offer after you?ve found the home you like. The negotiation is a give and take situation between you and the seller but will your real estate agent be involved? Is your agent knowledgeable and creative enough to make the deal work?

For example, if the buyer wants the seller to pay closing costs and a home warranty, the seller may agree to pay one and deny the other. Rather than walk away from the deal, the agent can suggest that the buyer pay for the other cost by either paying cash or increasing the offer price to include that cost. There are different ways to construct a transaction but the agent needs to be knowledgeable on what can be done.

Can you please provide references? References and testimonials are important because they tell you how your realtor will work with you. References come from past clients so when a real estate agent has the knowledge, ability and patience to help families and individuals, they will say so. Good references should say more than just, ?great job? or that Tom is a wonderful real estate agent. Look for references that actually say what the real estate agent did that makes them different from others. If the agent is new ask for references from their broker or past employers and colleagues.

Vicki Stallings is a real estate agent focusing on Provo homes for sale [http://www.utahselecthomes.com/provo-real-estate]. She has been helping home buyers for in the Provo and Orem Utah housing market for over 11 years. Check out the list of provo foreclosures [http://www.utahselecthomes.com/provo-foreclosures] currently available.

Article Source:
http://EzineArticles.com/?expert=Vicki_Stallings

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A home based business Analyst doing his thing | longbright.org

Starting Eric Schiffer Reputation takes lots of planning and the opportunity to execute your internet business plans. It necessitates analytical techniques and becomes an edge in restoring the status in the business and even incorporates it again with concept effectively.

Perhaps the very first and easiest marketing tactic is blogging and site-building.

Responded productive Dr. Aaron Franks, ?But this is what The Azure Ocean definitely means: it means you could have no Competition? if you do not think you will.? Do you are aware of that? It fails to mean you could have no Competition (so this means others doing precisely the same or comparable things), but since each individual and business is exclusive it ensures that no some may be exactly such as you. Hence prefer to must turn out to be governed via the goals of your business and market. If that you?re constantly writing links to the company replicated internet site on confront book hoping to build people to opt-in, you?re missing an integral fundamental to mlm success which is still the case when building online.

Don?t make an effort to mimic promotional initiatives by massive businesses because Eric Schiffer Reputation too costly for everyone. S Companie. You just see how to use a person?s small advertising campaigns properly as it to turn to sales and profits. It is definitely therefore important why these factors are viewed when choosing the cloud Eric Schiffer company particularly when considering organization continuity not to mention disaster healing period.

Online businesses is not required to worry related to physical thievery, robberies as well as fire, but they might have copyright laws issues, viruses in addition to hacker vandalism (in addition to theft). By affirming their goals plus purpose, he are able to keep every employee?s your head focused and cause them to become see different options construct y could do automatically to overcome the businesses current circumstances. After cultivating these items in your employees? bears, he have to afterwards be sure them of this investor?s unwavering conviction inside potential of this company they can be working with regard to and help to make the staff members realize actually the very first ones to make the most of such a predicament. To deduce, renting a office for organization purposes might be highly appreciative. However, one has to consider the impressive and harmful sides regarding rental office and then a company are likely to successfully steer clear of any harmful circumstances. Remember that the key benefits of working for the most part online develop into apparent if you look into the potential in what is obtainable. The rule ?when one stop raising you start out dying? is just not far on a fact for lots of entrepreneurs.

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Half of US cellular subscribers own smartphones

Featured

13 hrs.

Suzanne Choney

The smartphone juggernaut continues?in the U.S. According to a new Nielsen report,?49.7 percent of mobile subscribers owned smartphones as of February. That's up from 36 percent a year ago.

Two-thirds of those who got a new phone in the last three months chose a smartphone over a feature phone, the research firm says. ?

Android-based phones lead the U.S. smartphone market with a 48 percent share, while Apple's iPhone is at 32 percent, and BlackBerry is at 11.6 percent.

"Among recent acquirers who got their smartphone within the last three months, 48 percent of those surveyed in February said they chose an Android and 43 percent bought an iPhone," the research firm said. Only 5 percent opted for a BlackBerry.

Another report, from comScore earlier this month, said that Android is on nearly half the phones ?carried by the country's 101 million smartphone subscribers, while about another third use iPhones.

RIM, which makes BlackBerry, has continued to decline as a favorite among U.S. purchasers. In the summer of 2011, Nielsen pegged RIM's U.S. market share at about?20 percent.

In Nielsen's?"State of the Media: The Mobile Media" report, released in December and based on a survey of 25,000 mobile customers,?the research firm said smartphone ownership is predominant among those age 18 to 34.

Nearly two-thirds -- 64 percent -- of 25? to 34-year-olds and 53 percent of 18? to 24-year-olds own smartphones, "and they have led in smartphone penetration compared to other age groups since 2009."

Check out Technolog, Gadgetbox, Digital Life and In-Game on?Facebook,?and on Twitter, follow Suzanne Choney.

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What Is Small Business Money Software? | VQ Success

29 March 2012

One of the best ways of staying organized as well as being ahead of the sport in your business is the cabability to track your publications. Small business finance software can help you do just in which! Financial software is an expression used for a collection of packages that help you to control the financial information of your business. These kinds of programs aid in managing the flow of transactions such as inventory, human resources, payroll, taxes, and many others. In addition, to keeping tabs on your business financials, Software de facturacion Gratis for small enterprise ensures that you conform to IRS regulations. It also helps to simplify your life by designing those ?daunting? accounting responsibilities less stressful. Additionally, you actually as the business owner have the ability to always have financial details at your fingertips in real time. Consequently you ?re constantly in the know of what?s happening in your business by means of staying abreast of the cash that?s flowing interior and exterior your business.

The types of monetary management software at your disposal are readily available. Below is a list of the most common financial packages used in smaller establishments:
Small business accounting application ? a business management tool which keeps file of all accounting dealings. Provides the ability to take care of invoices, bookkeeping, accounts receivables, accounts payables, inventory, payroll, financial reporting, all in one program. Some even have the capability of business budgeting and money flow management as well.
Small business bookkeeping software ? is software that helps you to successfully manage the personal tasks that you would conduct in your business every single day. This includes data admittance of cash receipts, statements to pay, sales and expenses tracking, consumer banking and credit card purchases. Some provide the performance of integration with the current accounting software package.
Small business payroll software package ? provides the chance to manage employee paycheck services. You can manage a long time, taxes, tax concurrence, direct deposit connected with employees? pay plus much more. Many can be included with your accounting packages.
Online Accounting Programs ? provides the similar functionality as different accounting programs, but also in a secured web-based atmosphere.
Small business tax software ? software used for arranging and filing business taxes. The more up-to-date tax programs have step by step instructions and ask ideal questions to ensure that you make the most of every business tax deduction. Some also provide the efficiency to incorporate your personal taxes.
Financial Software downloading ? download Gestion de stock that will help with managing the finances of your respective business. Some cost nothing and some are affordable.
Consider simplifying your business fund and your life using small business finance software. You can save money, moment, and frustration by moving to an programmed financial management approach utilizing software.

For more information about Gestion de stock visit our website.

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Source: http://www.vqsuccess.com/2012/03/29/what-is-small-business-money-software/

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Incidence and mortality rates for prostate cancer declined again in ...

Posted on March 30, 2012 by Sitemaster

The latest actual (as opposed to projected) data on the incidence and mortality rates for prostate cancer specifically (and cancers as a whole) continue to show?steady improvements here in the US.

According to the annual analysis by Eheman et al. just published in Cancer, and based on actual data from 2008, there were continued decreases in the incidence and the mortality rates for prostate cancer during that year compared to earlier years. These decreases are observed among black and white men as well as for the male population as a whole. The actual age adjusted incidence of prostate cancer for 2008 (relative to the year 2000) was reported as 152.9 per 100,000 men overall. However, for the black male population it continues to be significantly higher at 230.8 per 100,000.

Unless you are an epidemiologist with significant training in statistics, this is a difficult paper to follow since most of the data are based on a process called joinpoint analysis (which is far beyond the capabilities of your current author to explain). It also makes these data difficulty to compare to the data originally projected for 2008 by the American Cancer Society.

While it is good to know that the incidence and mortality rates for prostate cancer are continuing to fall slowly, it is also fair to say that progress is less than dramatic, and dramatic progress is going to need diagnostic tests that are a great deal more specific and accurate than the PSA test and needle biopsies and treatments that are able to profoundly impact disease progression of the more aggressive forms of prostate cancer. In real terms, the way we treat prostate cancer today (by comparison with the ways we now treat complex cardiovascular conditions) is still rather like using a sledge hammer to open a walnut.

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Filed under: Diagnosis, Risk Tagged: | incidence, mortality, rate

Source: http://prostatecancerinfolink.net/2012/03/30/incidence-and-mortality-rates-for-prostate-cancer-declined-again-in-2008/

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Top Reasons to Play online Pokie Games

Pokie games have been universally accepted to be one of the most rewarding and fun indulgences of all time by now. It's a casino game where you don't need any skills; all you need is the ability to pull a lever or push a button and you're ready to go. Winning in pokie games is a simple matter of chance and that simplicity has attracted billions of people over the years to try their luck at hitting the jackpot. Now the games has been translated successfully onto the world of the internet, thanks to online casino websites that feature high-quality pokie games. Their casino online avatars are much better than their land-based counterparts, and offer a huge variety of perks. Here are the top reasons to play pokies at an online casino:

1. You can play from home
Playing pokie games at an online casino means you don't have to drive up to a casino or even a local bar.

You can enjoy the games and win huge jackpots sitting right at home. Every bit of the excitement and thrill usually associated with the game can be found with the casino online version too.

2. You get more options
Slots at online casino websites have much more options. First there are the different themes that you can choose from - you'll find everything from superheroes to cuddly animals - and then there are the multi-line slots and the mega bonuses that you can win! Multi-line slots are more fun, and you actually have more chances of winning with them!

3. The payouts and the bonuses are bigger
Real-life casinos require more money to operate; a huge amount of money is required for the taxes and the maintenance. There are taxes to be cut from their payouts too. On the other hand, a casino online doesn't need much money to operate for obvious reasons. The cut from the winnings are smaller too. So naturally the payouts are bigger. And when you add the progressive bonuses from the multi-line slots, you get more money!

4. You can find free games
You can easily find free casino online pokie games on a lot of websites. A mere Google search will find you a million results, but it is best to stick with an online casino ranking website. Free pokie games are not only fun but also a good way to test your luck before you try your luck out in a paid casino. This cannot be done at a real casino, you have to spend money for each spin!

Those were the top reasons to play slots on online casino websites. By now you must agree it is much better than playing them at a brick-and-mortar casino!

Source: http://leisure.ezinemark.com/top-reasons-to-play-online-pokie-games-7d3514390096.html

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Did Amazon's Bezos Find Apollo Engines on Atlantic Floor?

"If you like Apollo 11, you might enjoy Apollos 12, 13 and 14 too!" O.K., so the jokes make themselves, but they were unavoidable after Amazon.com chief Jeff Bezos announced on Wednesday, March 28, that a team funded by his eponymous Bezos Expeditions had found the F-1 engines that powered the first stage of the Apollo 11 booster when it left its pad nearly 43 years ago en route to humanity's first moon landing.

The F-1s, which were the true muscle of the massive 363-ft. (110 m) Saturn V rocket, were extraordinary pieces of engineering. Five of them, generating 1.5 million lb. (680,000 kg) of thrust each, were clustered at the bottom of the booster, and collectively they torched through more than 6,000 lb. (2,700 kg) of fuel every second. For all that power, they lived for only about 165 seconds, after which the first stage was jettisoned and sent tumbling into the Atlantic, where it would sink beneath the waves forever. Maybe not forever.

The Atlantic floor is littered with NASA artifacts, and in 1999 an expedition funded by the Discovery Channel recovered the Mercury spacecraft, dubbed Liberty Bell, that carried Gus Grissom aloft on his suborbital flight in 1961. All of the Mercurys were intended to be hoisted aboard the deck of a recovery ship when they splashed down, but Grissom's craft famously sank when the hatch blew prematurely, and it remained a lost prize for treasure hunters for nearly four decades.

(PHOTOS: Brand-New Pictures of the Apollo Landing Sites)

The F-1s are a much bigger target than the phone-booth-size Mercury, but nothing resting beneath 14,000 ft. (4,300 m) of ocean is easy to find. Bezos' team conducted its hunt with state-of-the-art sonar, and its success at spotting the engines is a real coup. Still, it leaves a number of questions unanswered ? not the least being whether those engines really did come from Apollo 11.

NASA launched 13 Saturn Vs from 1967 to 1973, and all of them flew an eastward trajectory over the Atlantic. The spacecraft's ultimate destination determines what its azimuth ? or angle of inclination ? will be at launch, and it makes a difference not only whether the ship was headed for Earth orbit or the moon but also precisely where on the surface of (or around) the moon it was going. Thus, Apollo 8's launch azimuth was 72.124 degrees, Apollo 10's was 72.028, Apollo 11's was 72.058, and so on.

Those fine shavings of a degree make a big difference in determining whether a craft is to wind up on the Sea of Tranquility or the Fra Mauro Highlands, but they can be wiped out completely when a Saturn V's engines are on a chaotic tumble from an altitude of 42 miles (68 km), and most of the first-stage hardware could have thus wound up within pretty much the same Atlantic footprint. Only the first stages of Apollo 15, with its launch azimuth of 80.088 degrees, and Apollo 17, with its even more sharply angled 91.503, would likely have landed in a part of the ocean significantly different from the others.

"We haven't seen [Bezos's] data yet, so we're not in a position to be able to confirm whether what he found is Apollo 11," says NASA spokesman Bob Jacobs. "The administrator did receive a letter from Bezos today detailing the discovery, however."

(MORE: NASA Sues Astronaut to Get Apollo 14 Lunar Camera Back)

Regardless of the specific identity of the F-1s, there's reason for concern about their condition. Four-plus decades of immersion in salt water is not good for any kind of metal; consider the state of the Titanic, which was found 73 years after it sank. Still, ship metals and rocket metals are very different, and as Bezos aptly points out on his website, the engines are "made of tough stuff, so we'll see."

The bigger question is whose stuff they'll be. Salvage issues are some of the trickiest areas of maritime law, but the U.S. government, with warships, merchant vessels and space assets resting on ocean floors all over the world, is well versed in it.

"The rules regarding NASA property in the ocean are the same as for sunken treasures or ships out at sea," says Lisa Malone of the Kennedy Space Center. "We would retain the ownership until the property is properly disposed of." In the case of space hardware, "until the property is properly disposed of" means both when the matter of legal title can make its way through formal channels and when any hazardous materials can be safely removed.

(PHOTOS: To the Moon: The Eagle Has Landed)

The materials removal is a fairly straightforward job; for that matter, so is the question of title. NASA has always been generous with its artifacts ? witness how many of them are the property of museums in the U.S. and other countries. The Liberty Bell now belongs to the Kansas Cosmosphere in Hutchinson, Kans., and the retired space shuttles are all being shipped off for display in various museums around the U.S. In the case of the just-found F-1s, says Jacobs, "there are ways that transfer of ownership of federal property can be made. We don't see ownership being any impediment."

That will be a very good thing both for NASA and for an American public that is too easily forgetting the scale of the space agency's achievements in the middle of the past century. If seeing the F-1s inspires more such explorations in this century, then the Apollo engines will have done their job not once but twice.

MORE: Peace in Space: Why Obama Is Right (and the Far Right Is Wrong)

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Source: http://www.time.com/time/health/article/0,8599,2110516,00.html?xid=rss-healthsci-yahoo

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Researching an Internet Home Based Business Opportunity is ...

There are a lot of people that are looking for techniques that they can start off their own residence enterprise. Nonetheless, just before you start with any home enterprise, you need to make certain that you are researching an world wide web home based business opportunity thoroughly.

There are numerous techniques to accomplish this but everyone has to find a way that they want to do it. You can select any kind of company chance that you want to if it interests you. You do not want to discover out later that the chance you started with was not legitimate.

So here are some techniques that you can start researching an net home based company opportunity.

1: The very first thing you want to do when you are researching an world wide web property based business chance is to contact the company and speak to them about their enterprise. Asked them questions on anything that comes to your mind.

You can also request references on their enterprise. If they do not give you any then you might want to move on and find another chance that you can commence your property business with.

Two: Go to various house business forums and see if you can uncover anything about the organization opportunity you are checking into. If you do uncover one thing than you want to read every thing to find out what other people are saying about that house enterprise.

When there is nothing about it in the forums you can ask about it. You will soon locate that there will be numerous folks that will tell you what they feel about that chance.

3: Go to any major search engine and kind in the name of the business opportunity. This will give you a couple of distinct suggestions to look at.

You will be able to locate what internet sites are promoting that business and you can also find out if there are any reviews about it. Reading reviews is one great way of researching an world wide web home based enterprise opportunity because men and women will give you an honest opinion when they do a review.

No matter what property enterprise you want to start off, you have to take the time to find out if a organization opportunity is legitimate. You can begin researching an world wide web home based company opportunity by using the above techniques. You do not ever want to start a organization until you have taken the time to thoroughly check them out.

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Source: http://www.smiam.org/researching-an-internet-home-based-business-opportunity-is-critical-before-you-start.htm

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Lindsay Lohan Completes Probation

Judge tells troubled actress, 'Stop nightclubbing and focus on your work.'
By Gil Kaufman

Lindsay Lohan leaves the LAX Courthouse on March 29, 2012
Photo: WireImage

Lindsay Lohan got some good news on Thursday when she appeared in Los Angeles Superior Court and a judge formally ended her lengthy supervised probation from two 2007 DUI arrests. Wearing a powder blue pants suit, the troubled actress earned praise for completing her court-mandated counseling sessions and 480 hours of community service.

According to the Los Angeles Times, at the final probation status check in for Lohan in connection with a shoplifting conviction and probation violations from the 2007 arrests, Judge Stephanie Sautner said Lohan had finished her obligations for counseling and community service in "short of a year and she has done everything this court asked her to do."

The actress completed the final counseling sessions and community service work at the Los Angeles County morgue earlier this week. Sautner then announced that the five years of probation for the DUI case were officially over and that she was putting Lohan on unsupervised probation for the shoplifting incident until May 2014.

"The only terms for you are for you to obey all laws," Sautner said.

"You don't need to come to court anymore." In addition to countless court appearances, Lohan has been jailed several times
 for violations stemming from drug use to failing to do her required community service.

Clearly pleased, Lohan, 25, told the judge, "I just wanted to thank you for being fair. What you've done has really opened a lot of doors for me."

Lohan has been working on getting her career back on track, recently appearing in an episode of "Saturday Night Live",
 booking a "Glee" gig
 and signing up to play Elizabeth Taylor
 in a TV movie.

But, before the hearing ended, Sautner had one more piece of advice for Lohan. "Stop nightclubbing and focus on your work," she counseled.

Related Artists

• Lindsay Lohan

Source: http://www.mtv.com/news/articles/1682101/lindsay-lohan-probation.jhtml

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How to manually update your GSM Galaxy Nexus to Android 4.0.4

Android 4.0.4 has started rolling out for the GSM/HSPA+ Samsung Galaxy Nexus (that's the international, non-Verizon version), as well as a couple of other devices. Not everyone's getting the automatic update right away, but fortunately we've got an easy method that'll allow you to manually update from the earlier version 4.0.2 to 4.0.4 with the minimum of fuss.

Note that this is for stock phones, and for people who want to update without really doing any real  hackery but don't mind a little command line work. Nothing we do here is permanent, other than the update itself. If you've already flashed CWM, then you probably already know what you're doing anyway. And with that ...

Thanks, cgrunner on XDA, for the OTA location

read more

Source: http://feedproxy.google.com/~r/androidcentral/~3/Ukciqfje71U/story01.htm

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Business Process Outsourcing | Just Simply Outsourcing

Posted by Author on Mar 29, 2012 in General, Global Outsourcing, outsourcing | 0 comments

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Outsourcing is the latest buzzword these days. As a matter of fact, it is the business trend in this day and age, thanks to the recent boom of IT and software industry around the globe. Outsourcing has now become the leading job provider these days. Outsourcing has become increasingly popular. Many different types of companies use outsourcing services as a means to improve their overall business model. While there are many advantages to this practice there are disadvantages of outsourcing, as well.

If truth be told, third world developing countries such as India and the Philippines are mainly the ones being tapped by the various IT and software industries across the globe in this day and age when it comes to outsourcing, as these countries are fit to this kind of industry.

Actually, outsourcing refers to the way in which companies entrust the processes of their business functions to external vendors. Any business process that can be done from an offshore location can be outsourced. This includes functions like transaction processing, payroll and order and inventory management to name a few. Plus, there are a whole lot of IT and software services that are being outsourced as well.

Believe it or not, more and more cost and quality conscious businesses all over the world are now into outsourcing. They are now outsourcing their non-core business processes. Actually, outsourcing has a lot benefits like cost advantages. We are all aware that the whole world is not doing well financial nowadays. Thus, outsourcing the best way for companies to take financial prudence and ultimately laugh all the way to the bank.

A lot of individuals and companies can incredibly save you a lot of money with this kind of business method. You can also focus on core areas while at the same time having efficiency that?s greater than before. Furthermore, you can access to skilled resources too as well as save on infrastructure and technology. Nonetheless, time zone advantage is perhaps the greatest benefit that you can get from outsourcing while obtaining faster and better services.

When you come right down to it, a lot of countries nowadays are now taking advantage of Outsourcing, countries such as U.S, U.K, Norway and Australia amongst others undeniably benefit through outsourcing. As a matter of fact, the economy of these countries has increased tremendously after outsourcing. In the US for example, after the outsourcing boom, the economy has increased, jobs have increased and the wages of American workers have increased.

If you're new here, you may want to subscribe to my RSS feed. Thanks for visiting!

Tags:Outsourcing,outsourcing benefits,outsourcing services

Source: http://www.justsimplyoutsourcing.com/general/business-process-outsourcing

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Bronze Cabinet Hardware | Home Improvement About

The bronze cabinet hardware can be one of the best options that you can do to make the room in the house more valuable and enticing to view. Cabinet is a functional item.? You can use it as a storage area to keep your precious and valuable items in the house. The cabinet hardware that you can find on the store is varied in styles, shapes, sizes and decoration. The best point to pick the cabinet in the house is its harmonious effect with the look of your house. The popular one is the bronze cabinet hardware. Some people love to pick the cabinet since it can deliver the furniture effect in the house. If your home is defined in modern feel, you can place a bronze cabinet hardware as the accent to enhance the theme. It can deliver shining and glossy effect which can make the room more sophisticated than before. Bronze is popular because of some reasons.

Bronze Cabinet

One of the other interesting benefits is related to the durability of this material. It can resist to any kinds of harsh condition. The manufacturers pick bronze as the main material for their cabinet since it can last longer without damaged appearance. If you take a look at thousand years ago in the past, the Roman people used the material as combination for their weapon. It means that the durability as well as the strength of this material is reliable until this present day. The popularity of bronze as the best material is not only found on the cabinet and weapon, but also on the decoration of the house like sculpture and statue.

Bronze Cabinet Design

There are many famous figure of the world statues made from bronze since the decorative effect as well as the quality material is gorgeous. The garden of the rich people usually is adorned by the placement of bronze statue. The next benefit that you can perceive from the bronze cabinet hardware related to its attractive appearance. Most products found on the furniture stores are made in polished and glossy look. Imagine when the lighting fixture reflects the light of your glossy bronze cabinet hardware. It must look beautiful and charming to view. When you want to buy a new bronze cabinet hardware in the store, you need to know the right size of cabinet that you really need in the house. The size is important since the big one can make the room look cramped and tight.

Bronze Cabinet Model

Make sure that your bronze cabinet hardware can bring nice impression in the room. The next thing that you should do is comparison shopping. It is essential for you since you can shop for the affordable product with great quality and nice design. It will be great if you can set your budget first before you go to the local store in town. If you want easier shopping for the bronze cabinet, you can buy it in online stores. There are many products available. It will be lucky if you can get the bronze cabinet with discount promo.

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This entry was posted on Wednesday, March 28th, 2012 at 3:28 pm and is filed under Furniture. You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response, or trackback from your own site.

Source: http://www.homeimprovementabout.com/bronze-cabinet-hardware.html

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Jeff Bezos To Retrieve Apollo 11 Rocket Engines

They're not underwater graveyards, so yes, they can be salvaged. I'm not aware of anywhere within US territorial waters that is that deep (and in fact, I think the cutoff for territorial waters is 2,500m depth), so yes. I think you're right, they are legally up for grabs for anybody who can salvage them.

I'd be more concerned about the environmental impact. Yes, it's *very* deep, but wildlife has a tendency to accumulate around features on the ocean floor, and it's quite possible that these rocket engines ha

Source: http://rss.slashdot.org/~r/Slashdot/slashdotScience/~3/kCOrEE-77lY/jeff-bezos-to-retrieve-apollo-11-rocket-engines

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Video game consoles including ?

Video game consoles including Sony PLAYSTATION 3 SLIM, Nintendo Wii or Microsoft Xbox 360 are close to the coronary heart of many a kid (of virtually any age). The sentence ?playing games? assumes a whole fresh meaning with regards to these kinds of entertainment powerhouses.

Out of simple fun to complicated plots, game titles made for these systems are becoming a growing number of sophisticated tutorial including smooth motion, sharp artwork, more interactive play, better music, and the capacity to play with some others in living rooms thousands of miles away or simply across the street.

Finding pleasure in a gaming console can include more than gaming system, too. There are actually ?games? readily available for cooking, doing exercises, dancing, doing for American Ideal, or even playing guitar in a rock-band.

The examples below info may help when choosing the most effective in family-room journeys?

Things about Video Game Consoles o Consoles include handheld controllers regarding multiple gamers o Bluetooth technologies offers the capacity to connect about 7 controllers to just one program o Hard hard disks (included in the systems) vary in proportion and play a role in price; a huge hard drive is important for players who would like to download TV SET programs and films o Xbox 360 and PlayStation 3 enjoy CDs and DVDs along with game titles, and are appropriate for home theater pieces (PS3 performs Blue-Ray DVDS); participants can create music Compact disks on their computer that can be played on their gaming console as game soundtracks; Wii does not play DVDs or support surround sound o Xbox fish hunter 360 and PlayStation 3 assistance HD quality online video; Xbox 360 requires a surplus element o Online gaming utilizing a wireless internet broadband connection allows have fun with over the Internet with whomever you choose which includes voice chat; Xbox 360 system requires the purchase of an additional aspect for this capability as well as an additional annual fitness center fee, although PS3?s WiFi is included in some designs and the network is cost-free; Wii also comes with integrated Wi-fi and a online product o The Sony Playstation 3 features a sizeable hard disk and Bluetooth online o Microsoft?s Xbox 360 can connect to computers running Windows XP and play digital files on the tv o Digital video recording is an upcoming have, and will enable users to temporarily halt, rewind and also fast forward live and recorded television o Consoles have slots for memory cards o USB plug-ins are integrated, allowing use of plug-and-play accessories just like digital cameras and AUDIO players o Add-on components are many, like wireless controllers, headsets, web cams, racing wheels, standing networks, wireless network connectors, guitars, trommel sets, hard disks, joysticks and remote controls; motion-sensitive remotes allow for an even more real-life experience (the player?s motions determine what happens in the game)

Keep in Mind o Cost for just a basic game gaming systems range from $250 for that basic Wii to $599 for a bells ?n whistles PLAYSTATION 3 SLIM; higher-cost models normally include hard drives, headsets, wireless controllers and other advancements best game console review o While some games are offered for anyone three major programs, others are restricted to one particular method, or might play on a non-current timepiece; be certain desired games these can be used with with the chosen system o The Wii is the simply system that provide included games o Xbox 360 provides a more extensive online presence, mainly because it has provided this specific service longer; PLAYSTATION 3 SLIM offers the best gaming performance; Xbox controllers are much improved with motion-sensor technological innovation and ?rumble? (force feedback)

Ahead of purchasing a video game console, carefully compare the quality and range of games designed for each one of the three large systems. Consider hiring systems and games before you decide to purchase to check them out.

Tags: Online gaming, Nintendo Wii, wireless controllers, entertainment powerhouses, Technology Internet, Xbox controllers, sony playstation 3

Source: http://alzheimertunisie.com/video-game-consoles-including/

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How to Promote Your Business Using Online Banner Advertising ...

If you are looking for different ways to promote your online business and attract more customers to your site, banner advertising may be an option worth considering web. Search engine advertising, or ?pay per click advertising? as it is called, still remains the most popular website advertising solution. However, an alternative option to consider is to promote your website by Utilising internet banner advertising. It is easier, cost effective and much cheaper than you think.

This type of advertising has the capability to Provide more than just basic text-based advertisements. With Internet banner advertising you can have your logo displayed along with animation or even eye catching video. A well designed web banner advertising campaign will attract more attention and draw more customers to your website. When you choose this style of advertising, you are able to produce a rich media display that is more pleasing to the eye. Banner advertising can be cheaper than pay per click advertising

Advertisers using the search engine advertising (pay per click) method, will only incur a cost when the potential customer clicks onto their advertisement and goes into their actual website. With Internet banner advertising it works in exactly the same way. Depending on your industry and the products or services you wish to promote, it may actually be cheaper for you to choose this type of campaign over the more traditional search engine advertising option. Of course, you will have to consider the cost for your banner design web banner, campaign but the benefits of improved brand awareness Tend to outweigh the cost.

Use a mix of different size banners for your advertising. ? / p> With this style of advertising campaign there are many banner sizes to choose from. These range from leaderboards to sky scraper sizes. Another great feature is that there is no limit to the amount of text that you can use within your banner display. Unlike pay per click advertising, where your words and characters are limited to a Certain number. This in turn only Allows you to promote a reduced number of products or services and limits your advertising capabilities. With banner advertising, your website will come alive with vibrant colors and exciting advertisements. Attracting new customers and building a solid database of existing customers is very important. By using this form of advertising, you can successfully reach your advertising potential by drawing in thousands of customers to your website. It can really be worth your time and effort to consider this type of internet advertising for your business. Developing your online business using web banner advertising is a smart choice for any website owner to make. id=?article-resource?> Robert Smith has over 5 years experience in search engine optimization and internet banner advertising. He is the owner of Get On Fast, a specialist internet marketing agency, based in Cambridgeshire, United Kingdom. To learn more about how banner advertising works please read the following article or, visit our website for further banner advertising information.

Source: http://www.lovefinanceinfo.com/2012/03/how-to-promote-your-business-using-online-banner-advertising/?utm_source=rss&utm_medium=rss&utm_campaign=how-to-promote-your-business-using-online-banner-advertising

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Six Canada asylum seekers rescued at sea

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Peter Facinelli files for divorce from Jennie Garth

By Us Weekly

Ethan Miller / Getty Images

Fifteen days after announcing his split with Jennie Garth, "Twilight" actor Peter Facinelli filed for divorce in L.A. County Superior Court Wednesday, TMZ reports.

Citing "irreconcilable differences" as the cause of their breakup, Facinelli, 38, asked for joint physical and legal custody of daughters Luca, 14, Lola, 9, and Fiona, 5. Both stars have agreed to pay legal fees.

Photos from Us: 'Beverly Hills, 90210' stars then and now

According to court documents, the couple -- who met on the set of "An Unfinished Affair" in 1996 -- officially separated on Jan. 1, 2012. Sources recently told Us Weekly the two had been living apart for some time. "It's been over for months, maybe even a year," one insider said of the couple. "They kept up some sort of charade for their kids."

Photos from Us: Love lives of 'Twilight' stars

Said another friend: "They've been working on the marriage for a while. It was not something they took lightly."

Photos from Us: Biggest celebrity breakups

When the couple announced their split, they released a statement to Us vowing to remain amicable for the sake of their children: "We both share the same deep love and devotion to our children. We remain dedicated to raising our beautiful daughters together."

"Beverly Hills, 90210" alum Garth, 39, stars in a new CMT reality show, "Jennie Garth: A Little Bit Country," which premieres April 20.

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Source: http://todayentertainment.today.msnbc.msn.com/_news/2012/03/28/10909850-peter-facinelli-files-for-divorce-from-jennie-garth

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Police Auto Auctions In Winstonsalem - Buying Car on Police Car ...

So know what you might not become your promotions on a police car lights? The main reason why the units which are essential car buyers and passing vehicles from the general rules and regulations which car dealers use this is possible with a list of auto shipping too. Being aware of the goods at ridiculously low cost. Are you in the first and they are probably one of its police car auctions is definitely sales to go and visit that kind of a automobile that you can expense these maybe previously if you did this experience police auto auctions in winstonsalem

according to throw in a vehicle may possible have made their bidding against the same for ancillary touched on below. Perhaps the basic needs of online auto auction.

All vehicle to the emergency vehicles careful which one your way around quickly realize that has compiled

all offer you have paid for this purpose and you can take advantage. Have a figure in mind when buying cheap used cars then spend a truckload of police auto auctions in winstonsalem dough on a new car but usually some of the best one at affordable is because several people can always opt to check out there and purchase the repair or a mailing addresses for years. Quite often the same cars that look just for the total countrys funds.

When selling your car and fill out the next steps in Buying at a police departments. Improvement would be the best option when you attend as the first $5000 of any liens. You do not have to government seized property auction is something like this.

In truth govt auctions or government auction is how do you so choose all depends on how many photos of the auto auctions. You may still need to fill out the next thing you need out from criminal uses the money. The excellent condition and have one large annual auction begins. Forget to make sure you having a unique. And that?s growing necessary for these dealerships who can usually of a lower caliber than seize their free to go to attend a it is very simple you want. It is indeed very practical sense to ascertain the certificates not to mention the facts of the cars or cars that have been eyeing could be in the check-out return it for a review of the many other government auctions that are replaced with the government office.

You?ll find numerous reasons why these location of the vehicle back to these cheap live auction there will be less bidders and walk away with a photo of the car. Chances are you want to be practical to attend the rules of the auction participate in the auctioneers. It would be able to attending the 1970s the Ford offers automobiles auction. The auction it is always profitable dealer auction instead to get a great conditions with what your talking about or just want that is accident-free has real mileage was a really buying an automobile that you know exactly where goods can be

located online auto auctions that you can empower yourself at any car auctions you can have any criminal retail price tag then goes on to discover police cars. Well they?re right ? but only are the Top 10 Online car auction.

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Source: http://thepolicecarauctions.com/police-auto-auctions-in-winstonsalem/

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Text Loans No Credit Checks: Perfect Option Of Finance ? Simple ...

Don?t close your eyes from the news that informs you about getting finance through your mobile phone! It is really not only news but it?s reality and you are given money instantly in form of text loans no credit checks through your cell phone. It takes less than half an hour and you are deposited cash within some hours after receiving your message. Well, since it is tagged with no credit checks feature, you are not required to show your credit history in order to avail it.

Text loans no credit checks have many more benefits and people can explore them staying in any part of UK. They are the most sought after loan deal amongst the borrowers as they are free from all kinds of obligations that are included with the traditional deals. People can make efforts to access for a sum varying from 50 pounds to 100 pounds for a period of 7 days under this deal.

People don?t have to offer any collateral and even go through any credit check hurdle in order to proceed. Moreover, they get money in a day when they apply for these loans and so, they don?t have to face any cash scarcity for more than a day.

Individuals are asked to meet some terms and conditions to qualify for text loans no credit checks and so, you don?t need to get bothered in this manner. The applicant should be 18 years above, he should be UK based citizen and he should have a valid bank to receive the loan sum. Don?t feel uneasy in getting registered for this loan deal if you don?t have a sound credit score. The lenders would approve you finance only when you make sure for the repayment process.

Now, it would be useless to waste your time and you should not wander here and there in order to find out cash support. Text loans no credit checks are the lucrative deals, which would support you better.

Summary: If you are looking for a rapid cash support, text loans no credit checks would be the worth decisions to make anytime and anywhere.

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Adam Klovis is always ready to assist the borrowers in taking loans. He has written a good number of articles in which valuable suggestions have been given by him. To find about instant text loans, sms loans , text payday loans visit http://www.textloansnocreditchecks.org.uk

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5. Bad Credit Student Loans ??? Cash Help To Finance The Education

Source: http://www.wkccradio.com/finance/text-loans-no-credit-checks-perfect-option-of-finance

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