Thursday, May 31, 2012

Facebook stock climbs, still down from IPO

(AP) ? Facebook's stock is getting some relief, inching higher following a steep decline in the wake of its initial public offering.

Shares of Facebook Inc. are up 43 cents to $29.27 in morning trading on Wednesday. That's still down about 23 percent from its IPO price of $38. Facebook began trading on the Nasdaq Stock Market on May 18. The day started with a delay due to trading market glitches and didn't get much better from there.

Still, the IPO raised $16 billion for Facebook and early investors, making it one of the largest IPOs ever. But many investors were expecting the stock to go higher on the first day. Instead, it went up less than 1 percent to $38.23 that day, before falling since then.

Associated Press

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Mike Mann's DomainMarket.com Becomes 1st To Use Facebook ...

According to a press release out this morning Mike Mann?s Domainmarket.com has ?started aFacebook? Timeline to promote the online domain marketplace and provide information about domain names, Internet technology and online marketing.?

?Facebook is one of the best ways for us to connect with our customers and hear their opinions because people are utilizing Facebook business pages more than ever before to access information,? said Mike Mann, founder of DomainMarket.com.

?DomainMarket.com buys and sells domain names that are ready to be developed into larger brands. The company also offers thousands of domains that could help existing companies improve their marketing efforts. The inventory includes names related to art, food, music, realty, travel, business, pets, social media and more.?

?Having the right domain name is key to building a brand?s online identity,? Mann said. ?And a strong domain name also helps improve search engine results.?

?According to Jason Exline, a social media consultant for DomainMarket.com, ?Facebook really is the spot where people go to get updated information on a particular business or topic.?

?Facebook is an effective platform for strengthening a brand online. Experts estimate that Facebook?s roughly 845 million users are each on the site for an average of 20 minutes per day. During that time they share more than 1 million links and tag about 1.3 million photographs.?

?And Facebook users spend part of their time interacting with brands like DomainMarket.com, Mann explained.?

?Mann added that he hopes the new Facebook Timeline helps boost DomainMarket.com?s image, positioning the online marketplace as a leader in the thriving domain industry.

?Our photographs, along with the new Facebook features, will help customers recognize DomainMarket.com as the best place to begin their search for the perfect online identity,? he said.

?Those searching for domain names may find it easier to submit questions to DomainMarket.com via Facebook than calling a sales representative.?

?Mann said DomainMarket.com officials saw the new Facebook page as a way to enhance customer service.?

?Those who ?like? the page will see posts with expert domaining tips, analysis of the latest Internet trends and the hottest news scoops in the technology industry.?

?This platform will help both amateur and professional domainers learn and succeed,? Mann said.

?Visit the new DomainMarket.com Facebook page by clicking here?

While a lot of domainer use Facebook and Twitter to some extent to promote and sell domain names,? DomainMarket.com, sounds like the 1st of the major companies to take social networking to a new level in the marketing and selling of its domains and its marketplace while at combining it with what sounds like information usually found in blog.

Congrats to Mike and his team.

?

?

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Wednesday, May 30, 2012

Employers Find Recruiting and Retaining the Best People Remains ...

In a business, or any endeavor for that matter, people are first and foremost your most valuable resource. And if you want to find and retain good people, you first have to understand that key concept?that they are indeed to be valued above all else. As the saying goes: ?Love ?em or lose ?em.?

These days, however, even with high unemployment rates, business are discovering that finding and keeping talented people can be more difficult than expected. As a result, some are turning to a specialist in human resources outsourcing. These professionals are trained to help businesses recruit and retain the right people with the right stuff, and to provide complete management of compensation through programs such as payroll outsourcing and benefits outsourcing. More employers enjoy these specialized services, claiming that the lifted burden frees them up to concentrate and excel at what they do best.

Another tool that some businesses are finding as an effective solution to retaining valuable employees is to ?go with what you know.?? In other words, looking at those people who have stayed the course within the organization and promoting from within seems most effective for some. A policy of consistently identifying those staff members who have leadership potential, special skills, and who are willing and able to take on new responsibility is crucial for this approach. These employees have a track record with the company and they know the ropes, so retraining, promoting and repositioning seems the most logical approach? especially if the employers can sweeten the deal with increased compensation and benefits. Again, employers are finding it profitable (and, relieving) to rely on a human resource outsourcing company to professionally manage these internal tracking, payroll, and benefits programs for them.

With today?s new normal of a seemingly transient work force, the businesses that are contracting a strategic partner in human resource management find the benefits invaluable in helping them reach their efficiency and profitability goals

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Osirion System Technologies Offers South African Web Hosting ...


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Businesses catering to South African customers can maximize their site?s performance

Pretoria, South Africa ? Osirion offers edge over foreign web hosts.

South Africa?s continued modernization in information technology and telecommunications means that for South African businesses, a modern web presence is more important than ever, given that improvements in South Africa?s broadband Internet infrastructures have brought more South African homes and businesses online than ever before.

However, some businesses make the mistake of hosting their sites ? which target South African consumers ? abroad. ?There are plenty of places abroad that will host South African websites for relatively low costs, but South African webmasters should beware? explains Stan Wolford, founder of Osirion System Technologies. ?Hosting a site abroad often results in undesirable latency, and inconveniences users. Plus,web hostingcompanies abroad rarely keep support staff around during South African working hours ? it can be a real mess.?

Osirion System Technologies offers web hosting local to South Africa ? guaranteeing fast website speeds.http://www.osirion.co.za/is a one-stop shop for web needs ? it provides in house domain hosting, web design, andweb developmentservices, allowing local businesses to get the web site they need to succeed in a short period of time, with superior levels of service.

About Osirion System Technologies:

Osirion System Technologies was formed in 2002 by IT professional Stan Wolford in order to consolidate ongoing freelance work and provide potential customers a website where they could go and get a list of services and prices. Since then, it has grown immensely, becoming involved in several different internet marketing areas including SEO, web design, and internet access. Osirion?s goals for 2012 are to increase total sales by 15% while while maintaining current costs, and to expand the company?s web hosting options.

Steve Brown
press@maxnetmedia.com
(508)-901-9941

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Tuesday, May 29, 2012

Branding Your Business | FNBR Marketing Blog

The process of branding your business should be considered an extremely important part of your marketing plan. The branding of your company should be a two part process. You need to establish both a visual brand and a conceptual brand for your company.

Branding Your Business by FNBR Inc.Visually, your branding should revolve around your logo. Your logo is the one constant people will see in both your online and off-line advertising.

Having a professionally designed logo is an investment well made. A professional image goes a long way towards instilling a perceived value in your company. When a prospective client sees your image for the first time, a professionally designed logo will promote the image of an established company that will be there for their client?s needs. In addition to the logo, you may want to include a tagline. The tagline should be a short promotional statement promoting the product or service your company provides.

Producing your conceptual brand is equally as important as the visual brand. When you conceptually brand your company, you want to promote the concept that your company?s products and services are superior to those of your competitors. Think about what sets your company apart from your competition (your Unique Selling Proposition) and promote it. For example, FNBR has been family owned and operated for 35 years. When we brand that information, we are letting our clients and prospects know that we are an established company, that we are experienced at what we do and that we will be there for them in the future.

Unlike your logo, which is usually a constant, your conceptual branding can and should be tweaked over time. Your goal is to let the public know that your company has the expertise and ability to solve their particular problem or need.

Continue the Conversation:?Need help branding your business? ?Contact FNBR via email at info@fnbr.com or Toll Free at 1-888-988-8148.

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WSU steeplechasers reach NCAA semis

AUSTIN, Texas -- A pair of Weber State steeplechase runners overcame injuries and barriers on Friday evening in Austin, Texas, in the quarterfinal round of the 2012 NCAA Outdoor Track and Field Championship, and both runners now advance to the semifinals next month in Des Moines, Iowa.

In the men's 3,000 meter steeplechase, sophomore Mike Hardy hit the last barrier and stumbled, but picked himself up and sprinted to the finish line with a career best time of 8:51.66.

Hardy finished 12th overall which had 47 runners in three heats. The top 12 times advance to the semifinals.

"Mike hit the barrier pretty hard," said WSU distance coach Paul Pilkington. "He was battling with a runner from Boise State but had a tremendous surge in the final 100 meters to hold him off. He showed some grit and determination."

In the women's 3,000 meter steeplechase, junior Amber Henry went into the quarterfinal with the fourth best time in the nation (9:53.94). However, she came into Friday's race with a broke clavicle and a torn meniscus in her right knee.

The clavicle injury came in the finals of the 1,500 meter run at the Big Sky Conference championships. She fell at the finish line after surging from behind to beat Renisha Robinson from Sacramento State. The knee injury happened in practice on Tuesday.

"We didn't know how Amber was going to hold up," said Pilkington. "Dr. Neal Callister, who was at the meet watching his daughter Sarah run last night, checked her knee and said she would probably be able to go. Then she goes out and wins her heat. She's one of the toughest runners, physically and emotionally, I've ever been around. It was quite a performance."

Henry's performance was even more impressive because she fought off Rebeka Stowe of Kansas to win the heat. Stowe came into the meet with the third best time in the country this season at 9:52.08.

The top three times from each of the three heats, plus the next three best times, advance to the semifinals next month in Des Moines. Teammate Laken Hintze finished seventh in the same heat with Henry, posting a time of 10:30 but did not qualify.

Also on Friday, senior Tyler McBee finished fifth in his heat in the 110-meter hurdles in a time of 14.45 but failed to qualify. On Thursday in the 400-meter intermediate hurdles, McBee was cruising along and it appeared he might have a chance to qualify, but he hit the ninth of 10 hurdles and fell to the track. He picked himself and finished in a time of 57.39.

McBee won the 2012 Big Sky men's 400 meter hurdle title.

On Thursday, three WSU runners were part of a 48-person field in the lone heat of the women's 10,000 meters. Three-time defending Big Sky champion Sarah Callister was part of a strong field which included 10 of top 12 best times in the country this season. Callister battled hard down the stretch and posted a time of 34:27.30, putting her in 13th place. The top 12 advance to the semifinals.

"Sarah ran a great race, but the field in the West first round was much stronger than the East first round," said Pilkington. "It was a bit warmer and definitely much more humid than she had been accustomed to running in, It probably affected her a bit, especially in the final 600 meters."

Taylor Thornley and Kayla Blackford were also in the field. Thornley posted a time of 35:40.62 and Blackford, 37:34.42.

Senior Zach Parry competed in the men's hammer throw. Parry fouled on his first two attempts before throwing 183-06.00 on this third attempt. Parry was 41st in the field of 48 throwers and did not qualify for the semifinals.

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The Twilight of Protest | John Michael Greer - World News Trust

oil-well 250x188May 16, 2012 (Archdruid Report) -- Over the last four months or so, as this blog has sketched out the trajectory of empires in general, and then traced the intricate history of America?s empire in particular, I?ve been avoiding a specific issue.

That avoidance hasn?t come from any lack of awareness on my part, and if it had been, comments and emails from readers asking when I was going to get around to discussing the issue would have taken care of that in short order. No, it?s simply a natural reluctance to bring up a subject that has to be discussed sooner or later, but is guaranteed to generate far more heat than light.

The subject? The role of protest movements in the decline and fall of the American empire.

That?s an issue sufficiently burdened with tangled emotions and unstated agendas that even finding a good starting place for the discussion is a challenge. Fortunately I have some assistance, courtesy of Owen Lloyd, who is involved with an organization called Deep Green Resistance and recently wrote a review of my book The Blood of the Earth.

It?s by no means a bad review. Quite the contrary, Lloyd made a serious effort to grapple with the issues that book tried to raise, and by and large succeeded; where he failed, the misunderstandings were all but inevitable, given the differences between his views and mine. Thus it?s all the more striking that his review points up so precisely the reasons why protest movements have by and large been spinning their wheels in empty air for 30 years, and will almost certainly continue to do so while America?s empire crashes and burns around them.

The point that matters here is the review?s denunciation of one of the central points of the book, which is that those who want to change the world need to start by changing their own lives. According to Lloyd, we don?t have time for that, since the biosphere is in dire peril; what?s needed instead are the standard tools of contemporary activism -- "direct action, community building, and outreach," in his convenient summary. His reasoning is logical enough, as far as it goes; if your house is on fire, after all, it?s a little late to install sprinklers and smoke alarms. If the situation is as urgent as Lloyd claims, all other considerations have to take a back seat to an all-out effort to deal with the immediate crisis with the most effective means available.

It?s a common enough claim in the contemporary activist community; Derrick Jensen had an article in Orion Magazine a few years back making essentially the same argument. Still, there?s a problem with that argument, because the responses Lloyd, Jensen, and other activists are promoting here have been standard across the spectrum of activist groups for more than three decades now, and that?s more than enough time to see how well they work. The answer? Well, let?s be charitable and say "not very well."

For years now, leading environmentalists have been bemoaning how much ground is being lost year after year, and how little the environmental movement has been able to do even to slow that down. They are quite correct in that assessment, of course. It?s standard these days to insist that this simply shows the power differential between the corporate interests that profit from environmental destruction and the citizen groups that are trying to fight them. That argument seems convincing, too, so long as you do what most people these days are taught to do, and ignore the lessons of history.

Glance back to a slightly earlier period and at least one of those lessons stands out in bold relief. In the 1970s, environmental activists facing equally powerful and well-funded corporate interests built a mass movement and forced through landmark legislation. In the United States, the Clean Air Act, the Endangered Species Act, and a bevy of less famous but equally important environmental bills crashed through a wall of corporate opposition and became the law of the land.

That sort of success is something that today?s environmental activists can only daydream about, and it was accomplished using the same tools that activists use today -- with one important addition: the environmental activists of that time recognized that the most effective way to advocate any given change was to make that change in their own lives first. That awareness was not limited to the environmental movement; it was pioneered by the feminists of the 1960s and 1970s, in fact, who turned it into a core principle of their movement -- "the personal is political" -- and leveraged it efficiently to bring about dramatic if still incomplete gains in women?s rights. They recognized, as did many other activists in those years, that if your lifestyle supports a system, and depends on that system, any efforts you may think you?re making to force significant change on that system will be wasted breath.

It will be wasted breath because most people, reasonably enough, want to see that there?s a life worth living on the other side of the changes your activist movement wants to make, and the best way to give them a glimpse of that life is to enact it yourself. It will also be wasted breath because most people have a tolerably good nose for hypocrisy, and are highly familiar with the kind of demagogy that calls on everybody else to make sacrifices and get by with less so the demagogue doesn?t have to do so.

Talk to Americans who didn?t support either the climate change movement or its corporate opposition, and you?ll find that for a good many of them, it was when word of Al Gore?s air-conditioned mansion and frequent-flyer miles got around that they decided that global warming was yet another manufactured threat, meant to stampede people into acquiescing with somebody?s political agenda.

Finally, it will be wasted breath because if the system you think you want to change is also the system that supplies you with a comfortable middle class lifestyle, with all the comforts and conveniences that such a lifestyle supplies, the changes you will push the system to make will pretty reliably be limited to those that will not affect your continued access to the lifestyle, comforts and conveniences in question. The Breton peak oil blogger Damien Perrotin has commented amusingly on the influence of what, in France, are called bobos -- that is, bourgeois bohemians (the acronym works equally well in both languages), members of the liberal upper middle classes. Bobos are terribly eager to see themselves as the saviors of the world -- that?s the bohemian side -- and will do absolutely anything to fulfill this role, so long as it doesn?t require them to give up any of the benefits of their privileged status -- that?s the bourgeois side.

I hope the term catches on in this country, because we have a lot of bobos over here, too. Last week?s discussion of captive constituencies has a special relevance in any discussion of the species Bobo americanus, because being active in the captive constituency of some otherwise mainstream political faction is a very popular way to play the role of saving the world without risking disruption to the system that gives bobos their privileged status. There are also substantial personal rewards available for those who take leadership positions in captive constituencies, and help keep them captive. It?s a role bobos are well qualified to fill, especially those who come from the upper end of the class hierarchy and so have the connections and skills for the job. That?s where you get the executives of mainstream environmental groups who draw six-figure salaries, maintain cordial relationships with corporate sponsors, and show an obvious willingness to settle for whatever scraps may fall from the tables of wealth and power onto their corner of America?s unwashed kitchen floor.

Still, the bobo-ization of American radicalism is not limited to such obvious cases. When you hear activists loudly insisting that it?s possible to save the world without being an ascetic -- and I?m sorry to say that, yes, that well-worn trope turned up in the Owen Lloyd book review cited above -- you?re hearing the echoes of bobo influence, in the form of the popular but profoundly wrong notion that it must somehow be possible to maintain today?s unsustainable lifestyles on a sustainable basis. That?s not going to happen, for reasons that reach right down into the laws of thermodynamics; no amount of handwaving is going to make it happen; and the sooner we get used to living with a lot less, the less damage we will do to ourselves, each other, and the Earth as the industrial economy sputters to a halt.

Now of course that suggestion is anathema to the existing order of things, in America and elsewhere. It?s usually anathema in a declining imperial society. James Francis? useful study Subversive Virtue: Asceticism and Authority in the Second-Century Pagan World chronicles how the imperial Roman government came to treat the asceticism of Stoic and Neoplatonic philosophers as an unendurable threat to its authority. They were quite correct to do so; a system that maintains itself in power by bribing the lower classes with panem et circenses and the middle and upper classes with the more lavish entertainments chronicled in Petronius? Satyricon has no convenient lever with which to control those who have no interest in these things.

Thus it?s probably safe to assume that there will be no effective opposition to the status quo in this country until some movement arises that in practice -- not just in theory -- embraces an essentially ascetic approach. My guess, for what it?s worth, is that the first movement to do so will be a revived Marxism. I?m no fan of Karl Marx, and even less a fan of the various ideologues who filled out the framework of his system, but Marxism has features that will give it powerful appeal in the decades ahead.

It gives the poor someone to blame for their misfortunes, and does so in a far more detailed manner than (say) the vague rhetoric of the Occupy movement; it is among the few ideologies that manage to fuse a rigorous intellectual tradition with a utopian future vision of religious intensity; and it has a strong ascetic element -- the figure of the Marxist revolutionary, lean, passionate, doctrinaire, and contemptuous of material goods except insofar as they might help further the cause, was a common social type in Europe for close to a century.

Marxism also has an advantage just now that no amount of money could buy it: the extraordinary campaign of unintended propaganda that the Republican party is currently carrying out on its behalf.? Right now, even the most moderate and revenue-neutral attempts to use the powers of government for the benefit of American citizens are being lambasted by the GOP as communism. It?s an embarrassing admission of intellectual poverty -- one gathers that the American right spent so long belaboring the Red Peril that it really has no idea what to say now that communism isn?t around any more -- but it also guarantees a familiar kind of backlash. Fundamentalist churches that spend too much time denouncing Satanism, complete with lurid descriptions of Satanic living replete with wild parties and orgiastic sex, get that kind of backlash; that?s why they so often find that they?ve merely succeeded in making devil worship popular among local teens.

In the same way, if the Republicans succeed in rebranding, say, public assistance and food safety laws as Marxist, the most likely result of that campaign will be to convince a great many Americans of otherwise moderate political views that Marx might have had something going for him after all. As suggested above, I don?t consider this a good thing; in theory, Marxist revolution leads to the glorious worker?s paradise of the future via the inevitable workings of the historical dialectic, but in practice the dictatorship of the proletariat reliably turns into just another dictatorship, with the usual quota of gulags and unmarked mass graves. Still, in a country where most people are frighteningly ignorant of history, and are being driven to the wall by a corrupt and spectacularly mismanaged imperial economy in headlong decline, it?s unpleasantly unlikely that this point will be remembered.

Still, other forces are pushing American society toward a crisis that its existing political and economic arrangements are unlikely to survive, and the rehabilitation of Marxism is unlikely to proceed fast enough to reach any sort of critical mass before that crisis hits in earnest. It?s probably a safe bet that the more mainstream groups will increasingly side with the established order of things -- I?ve long suspected that before all this is over with, the Sierra Club will come out in favor of strip mining the national park system so long as it?s done in, ahem, an environmentally sensitive way.

Outside the bobosphere, things are much less clear, for the twilight years of a disintegrating political system tolerably often create a fiercely Darwinian environment for ideologies and political movements, in which the only thing that matters is which set of beliefs and personalities can build the strongest coalition at the right time, absorb or marginalize the largest fraction of opposing groups, and make the most successful bid for power. As that bubbling cauldron of competing belief systems boils over in violence and systemic disruption, it?s anyone?s guess who or what will come out on top.

Whoever ends up more or less in charge of what?s left of the United States of America when the flames die down and the rubble stops bouncing, though, will have to face a predicament far more difficult than the ones encountered by the winners in 1932, or 1860, or for that matter 1776. All three of these past crises happened when the United States was still a rising power, with vast and largely untapped natural resources, and social and economic systems not yet burdened with the aftermath of a failed empire; the winning side could safely assume that once the immediate crisis was resolved, the nation would return to relative prosperity, pay off its debts, and proceed from there.

That won?t be happening this time around. When the crisis is over, whatever form it takes, the United States -- or whatever assortment of successor nations end up dividing its territory between them -- will be a shattered, bankrupt, resource-poor Third World failed state (or collection of failed states) that will likely have to struggle hard even to regain basic levels of political and economic stability. That struggle will be pursued in a world in which energy and other resources are getting scarcer each year, energy- and resource-intensive technologies are being abandoned by all but a very few rich and powerful nations, and unpredictable swings in temperature, rainfall, and other climatic and ecological factors make life a good deal more difficult for everyone.?In that not-so-far-future America, the comforts and conveniences most of us now take for granted will be available only to the rich and powerful, if they can be had by anyone at all.

That?s the world our choices over the last three decades or so have been preparing for us, and for our grandchildren?s grandchildren. In such a world, the people who will have the most to offer their communities, their societies, and the biosphere that supports all our lives will be those who have the courage, now, to walk away from the consumer economy and its smorgasbord of dubious pleasures, and learn, now, how to get by with less, use their own capacities of body and mind, and work with the patterns and processes of nature.

For the time being -- specifically, until we get close enough to the crisis period that even the most nonviolent challenge to the existing order calls down massive violence in response -- protest can still accomplish goals worth pursuing, especially if activists wake up once again to the power of personal example; over the longer run, though, it?s the change on the individual, family, and community level that so many of today?s activists reject as pointless that have the most to offer the world.

***

End of the World of the Week #22

Comets are fascinating things, and they have an ancient reputation as omens of trouble. Still, you might expect the industrial world in 1973 to have responded with a little less frenzy to the appearance of the much-ballyhooed Comet Kohoutek. It was discovered by Czech astronomer Lubo? Kohoutek on Mar. 7 of that year, while it was still a very long way from the sun, and back-of-the-envelope calculations suggested that it might put on a spectacular show. The mass media proceeded to lose the word "might" and fill headlines with claims that Kohoutek would be "the comet of the century."

That was all it took to catch the attention of the apocalyptically minded. David Berg aka Moses David, leader of the Children of God sect, did the most to publicize a Kohoutek apocalypse; his proclamation? that the comet would destroy the world in January of 1974, printed on bright orange flyers, was handed out by his followers to people all over North America. (I think I may still have one in a file box in the basement.) All through the last months of 1973, the comet had something of the same cachet that the supposed end of the Mayan calendar has today.

As it turned out, though, the prophets were wrong, and so was the media. Far from being "the comet of the century," Comet Kohoutek turned out to be a very modest spectacle indeed, barely visible in the night sky above my backyard -- I think we were too close to the streetlights or something. Fans of apocalyptic prophecies quickly found some new prediction of doom to discuss, and the phrase "Comet Kohoutek" had a brief moment of fame as a synonym for "dud."

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Why Lenders Are Ready To Offer Personal Loans With Bad Credit ...

Personal loans with bad credit have proved to be quite helpful in satisfying the financial needs of those who are in need of hard cash but hold credit rating which is not enough to please the lenders.

It is an undeniable fact that personal loans with bad credit options are a handy financial support for the people who are not preferred by the lenders to deal with due to their lower credit ratings. But, the current market situation indicates something else. Looking around into the market, you will discover endless numbers of lenders that are offering loans to such persons. Now, the question emerges, why is it so? Why these lenders are being so much kind to such people? Are they doing this with the intensions of social service? Well, absolutely not! There are some factors which have made lenders think beyond the traditional guidelines of approving the loans.

Level Of Risk Is Reduced

The major issue that makes lender think twice about a loan application of a person with bad credit is the level of risk. Not even a single business organization wishes to invest in an event that is full of risk. The same was applicable for financial institutions. But now the trend has changed and that?s why they have started mortgaging the property of borrowers? in case the clause bad credit is associated. This collateral assures them for the return of their amount and in case the borrower fails to repay them off, they can obtain their money by means of foreclosure of the property. Now, you must be wondering about unsecured loans where the person is not required to mortgage property. Well, first of all, bear in mind that such loans are limited to a certain limit of amount. In addition, the interest rates payable in these loans is higher than the secured loans, which obviously provides lenders their principle investment in first few installments.

Higher Profitability

Every business organization, whether it is a small or a huge one, runs with the intensions of gaining profits. And in present competitive scenario, while it?s getting harder to survive, no one wishes to miss the single opportunity. The same stands for money lenders. The personal loans, that they provide to you ensures them higher interest rates than the regular loans. They know the fact that no one will agree to deal with a person whose credit sheet comprises negative ratings, and therefore they can earn maximum profit from such a person.

Although financial institutions wish to make the most out of your drawback, you can also cash the tough competition among them. All you need to do is use a cautious approach while applying for personal loans with bad credit.

About the Author

Do you know about the most realistic approach to apply for Personal Loans With Bad Credit? If your answer is no, visit the website at http://www.personal-loans-for-people-with-bad-credit-info.com and get known to it.

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Les Arcs Chalet Ermine Offers The Skiing Blog

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NBA fines Spoelstra $25,000 for comments

The NBA fined Miami coach Erik Spoelstra $25,000 on Friday for "critical public comments" about officiating in the Eastern Conference series with Indiana.

Spoelstra made the comments before Miami's shootaround Thursday in Indianapolis, hours before the Heat beat the Pacers in Game 6 to win the series. Spoelstra was quoted by several media outlets saying the NBA "does not have a problem" with Indiana committing hard fouls on Heat stars LeBron James and Dwyane Wade.

Spoelstra told reporters he counted more than 12 instances where Heat players were struck in the face by the Pacers this season.

Miami had two players suspended for Game 6 for flagrant fouls. Indiana's Tyler Hansbrough was not suspended for a flagrant he committed against Wade, opening a cut over the Miami guard's right eye.

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Monday, May 28, 2012

Lessons from the Rock for Europe's banks

LONDON (Reuters) - In November 2010, rumors swirled through financial markets that Spanish bank BBVA was suffering a run on its deposits. The share price fell before excitable traders realized they had made a mistake.

In fact the bank was holding a "fun run" in Madrid and customers had lined up outside its branches to get their T-shirts. In a jittery market, talk spread quickly and few things worry bank investors and customers more than talk of a run.

Nervous times have returned to the euro zone, and customers are worrying again about whether their savings are safe.

Banks, regulators and policymakers in Greece, Spain and across Europe are back on high alert to avoid a repeat of the most catastrophic risk for a bank -- a loss of confidence among savers, or a run on the bank.

A run may start irrationally, but once it takes hold the panic can be entirely rational. No-one wants to be last in line if everyone else is pulling out their cash.

A run on Britain's Northern Rock in September 2007 was one of the most sudden and shocking events of the financial crisis.

It was the first run on a British bank for more than 100 years and critics said it made the country look like a banana republic. Yet it is providing lessons on how to limit the damage in future.

"The key thing to learn is that runs can happen out of nowhere and once they start they are incredibly difficult to stop. And to stop them you have to do far more than you expect, and to do it far more quickly than you expect," said Alistair Darling, Britain's finance minister at the time.

"With what's going on at the moment, it's clear that many Greeks have taken their money out. If you're not careful, a trickle can become a flow and it can then become an absolute torrent," Darling told Reuters in an interview.

The dynamics have shifted, but there is now a greater risk that panic will spread to more than one bank.

"Northern Rock was a question about the soundness of the bank. Now the question is about the soundness of the government," said Nicolas Veron at Brussels think-tank Bruegel.

"Then there is a related question - for countries that are at risk of leaving the EU, it could make sense to withdraw the deposits. It becomes a currency risk," he said.

If Greeks fear their country could leave the euro, they may not want to keep their money in a local bank and risk seeing it devalued.

As a result, deposit insurance schemes can offer only limited support.

A guarantee helps, but not if there are doubts that the government can pay, and it doesn't protect against currency redenomination, as in Argentina in 2001, when the value of deposits fell 20 percent.

Reassuring customers they will not lose money and strengthening the deposit guarantee scheme is nonetheless the biggest lesson learned from Northern Rock.

"It came as a bolt from the blue and people weren't sure of their protection, and then there was some spectacular and sensational media coverage. It was difficult to control," said a person involved with events at that time.

RUN ON THE ROCK

Northern Rock was caught on the back foot when news of its problems were reported by the BBC late one Thursday night.

The bank, which had grown rapidly to become Britain's fifth biggest mortgage lender, had needed emergency funding from the Bank of England a few days before, having been frozen out of wholesale funding markets due to a reckless business model.

The BBC report caused panic among savers, which got worse when policymakers were slow to reassure them.

Thousands queued outside Northern Rock's branches from early that Friday, over the weekend, and on the Monday. When Darling stood up to tell people their savings would be 100 percent guaranteed, the queues quickly disappeared.

Reassurance came too slowly and ministers were criticized for not doing enough to calm savers.

"Our lesson from Northern Rock is we let it run for three or four days, which was far, far too long," Darling said.

"The problem was the government did not appear to be in control of events, and it wasn't. It wasn't until the Monday evening when I announced the formal guarantees that we were able to stop money leaving," he said.

Although that slowed the visible run, deposits continued to be pulled from Northern Rock by online, postal and telephone customers in a so-called silent run.

About half of Northern Rock's 24 billion pounds ($38 billion) of retail deposits were estimated to have been withdrawn.

Other banks also suffered silent runs during the crisis, including Belgium's Fortis and U.S. lender Wachovia, and in the modern era that is seen as the biggest risk for banks.

It may lack the drama of a High Street panic, but big amounts can move quickly and easily at the click of a mouse.

Britain and other countries have made the rules on compensation less complex and more generous, and banks now regularly communicate that. Four years ago, only the first 2,000 pounds ($3,000) was fully guaranteed, and then 90 percent of the next 33,000 pounds ($52,000). Now it is 100 percent of 85,000 pounds ($133,000), and other European countries guarantee a similar amount.

Consumers are more financially aware. During Northern Rock's crisis, a branch manager was barricaded in her office after refusing to allow one couple to withdraw 1 million pounds. Deposits are now typically distributed across more banks.

As well as being attacked for a poor communications strategy, British authorities were criticized for a lack of contingency planning, weak coordination between the Treasury, the central bank and the regulator, and lax supervision.

Risks at Northern Rock had been identified in "war games" held in 2005, but steps to address weaknesses were not taken.

But Darling said the Northern Rock crisis did mean the government acted sooner and more decisively a year later when Royal Bank of Scotland was on the brink of collapse.

"We were determined that we would not let it happen again, and this time we were dealing with big global players ... we had no hesitation in taking the action we needed to do," he said.

SLOW RUN

Other banks have suffered runs before and since Northern Rock, and more will in future.

"If people think that their money might be at risk, it's entirely rational for them to take it out," Darling said.

In 1933, President Franklin Roosevelt took drastic action to halt a series of runs on U.S. banks, successfully calming savers with an effective 100 percent deposit insurance.

Greeks were last week rattled after the country's president said savers had withdrawn 700 million euros ($875 million) in one day. That prompted a similar amount to be withdrawn the next day.

The exodus slowed, and there has been no sign of panic or queues at branches in Athens. But there had already been a slow run on Greek deposits -- about 72 billion euros ($90 billion), or 30 percent, has been taken out since the start of 2010.

A bigger worry is that Madrid's banking crisis or a Greek euro zone exit could prompt an exodus from Spanish banks.

Shares in Bankia plunged last week after a report that 1 billion euros ($1.25 billion) had been pulled out by customers, forcing the government to deny the claim.

There has been no sign of panic in Spain, and the latest deposits data from its central bank showed a slight increase in March, although about 55 billion euros ($69 billion) has been withdrawn in the year to March, or 4.6 percent.

But Santander's British arm did see 200 million pounds ($300 million) withdrawn last Friday after it was included in a Moody's credit rating downgrade of Spanish banks.

Several local governments withdrew funds from Santander UK due to worries about its parent, Spain, or the euro zone, even though it is an autonomous subsidiary and is self-sufficient in capital and funding, showing the risk of a run is not just about retail customers.

Britain's local authorities are risk-averse after many lost millions of pounds held in Icelandic banks.

Plymouth City Council told Reuters it removed funds from Santander UK on Friday, while Kent, Oxford and Waltham Forest said they had taken out deposits and were reviewing the situation. John Simmonds of Kent County Council said he was reassured that capital could not be drained by its Spanish parent, but he was now "waiting for the fog to clear a little".

At least five more councils, including Westminster and Middlesbrough, told Reuters they had stopped depositing cash with Santander UK in the last two years, due to Spain and the euro zone concerns.

Unlike four years ago, there was a swift reaction to quell any panic, and the Financial Services Authority confirmed no money could be sent to bail out the parent. Santander UK said activity returned to normal the day after Friday's withdrawals.

With the euro zone crisis likely to drag on, there have been calls for a pan-European deposit scheme to reassure savers in countries like Greece. But that would fail to protect against currency risk and would probably face opposition in Germany, which does not want to pay for more problems elsewhere.

(Additional reporting by Jesus Algado in Madrid and Edward Taylor in Frankfurt; Editing by Giles Elgood)

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Preserve Your Free 25GB Microsoft SkyDrive Account before it Becomes 7GB

Microsoft's SkyDrive service has offered everyone a free 25GB hard disk in the cloud. This lets you store your files, backups, and even?share files with others. It's an amazing free offer that we've mentioned in the past.

Unfortunately, Microsoft has just reduced the free amount to 7 GB. That's still generous, is more than Apple's iCloud,?and is what's offered to new customers. For a limited time, any registered SkyDrive user *who has uploaded files to SkyDrive* as of April 22nd can opt in to keep 25GB of free storage while still getting all of the benefits of the new service

So, if you already have a SkyDrive account, they are letting you keep your 25GB disk but you need to claim it. Simply log into your SkyDrive account at skydrive.com?with your Microsoft's Windows Live credentials. On the bottom left of your account page, and click on the "Manage Storage" link.?You'll see a listing of storage plans, and under "SkyDrive Free" a button that says "Free upgrade!"

Just click it and you should see this:?

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Big 12 football notebook: Baylor breaks 'Big Four' record

With Baylor's 11-2 win over Kansas State on Friday, the Bears broke the NCAA record for most combined wins by one school's football, men's basketball, women's basketball and baseball teams in one academic year.

The win was Baylor's 124th, passing Texas of 2003-04.

The Bear's football team won 10, men's basketball 30, women's basketball 40 and Friday's win was the baseball team's 44th.

?I've been around long enough to remember the Jim Trabers of the world and the (Jim) Romes of the world questioning Baylor's existence in the Big 12,? Baylor coach Steve Smith said. ?I remember when Art (Briles) got hired, the question from the media to him was, ?Are you convinced Baylor is ready to make the commitment?' I'm sitting there thinking what kind of commitment do we have to make? We've been losing $10 million a year for a number of years. There hasn't been a problem with commitment, there's been a problem with performance.

?It's pretty special to see what's happening right now.?

SOONERS SUN AND FUN FRIDAY

With a day off from the tournament, Oklahoma used the opportunity to show up and back the OU softball team in Norman.

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Sunday, May 27, 2012

Everything Practical ? International Travel Insurance Attributes

Since nicely as sufficient travel and also health care insurance, make sure that your prepare includes include things like for setting ambulance and also medical repatriation. This really is vital. But it?s not only healthcare bills that a person might have to satisfy. Travel insurance provides protection for cancellation therefore, if someone will be medically unsuitable to travel, they can state for their travel and accommodation fees. If someone cancels their particular trip, some insurance company will, ought to be course, attain medical studies and check if the claimant experienced any medical conditions at the time of taking out the insurance that could have had a direct or even indirect impact on the declare. If so, and when the condition(azines) hadn?t also been declared and accepted for cover by the insurer, the actual claim could possibly be declined.

Travel insurance is also very helpful with regard to trip safeguard. Trip security can handle anywhere from 100% to 150% of one?s total getaway cost based on what prepare you decide to sign up to. This kind of international health insurance may also cover you for journey cancellation, trip interruption, hold off and will also deal with you in the event that there are protection alerts because of to safety issues along with your traveling. Possessing this type of insurance is extremely important for the peace of mind as well as your spending department.Remember, it really is better to be secure than i am sorry. There is no motive to plan a trip and have this canceled a final minute inside them for hours to be out money when you are traveling insurance to foreign international locations will help compensate you between 100% to 150% of what ended up being spent.

Always check the insurance deductibles! A deductible, generally known as excess, is what the insurance corporation deducts before pay out on states. When when you put in a travel professional medical claim involving the insurance deductible. Engaging in dangerous or risky behaviour, for instance jumping away your motel balcony (drunk or not) could of course imply you are setting yourself up for hefty costs to pay for almost any consequences.

Some may take this attitude that there is no point possessing international health insurance if it will not cover them for any eventuality ? whether intoxicated or not. It is simple to say this specific ? until something happens and you are confronted by astronomical expenses to pay along with nowhere to convert for help. In order for a activities travel insurance company to serve you better, it needs to be able to supply you with a good insurance. Among the things which should be covered in the plan are skiing pass and winter sports devices, medical disaster and repatriation, compromised, lost or perhaps damaged objects, cancellation, curtailment as well as interruption regarding trip, increase and landslide, no cost coverage for youngsters and Round the clock emergency help phone service. After all of these are covered in your insurance policy, then you?ll definitely definitely feel comfy during your travel. This will make your trip more enjoyable.

Travel insurance, like several other kind of international travel health insurance, is organised and charged after the underwriter of the coverage has gone by using a risk evaluation of what they think able to include and not. Insurance companies will want to provide a policy that may be useful, handle what?s commonly expected to possibly be covered, complement or much better what the competitors are spanning, at a realistic price and also which will make a diploma of revenue.

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Iran: Enriched uranium traces a 'technical issue'

World powers negotiators arrive at the Baghdad International Airport in Iraq, Wednesday, May 23, 2012. Negotiators from the U.S. and five other world powers sat down Wednesday with a team of Iranian diplomats to try to hammer out specific goals in the years-long impasse over Tehran's nuclear program.(AP Photo/Mohammed Ameen, Pool)

World powers negotiators arrive at the Baghdad International Airport in Iraq, Wednesday, May 23, 2012. Negotiators from the U.S. and five other world powers sat down Wednesday with a team of Iranian diplomats to try to hammer out specific goals in the years-long impasse over Tehran's nuclear program.(AP Photo/Mohammed Ameen, Pool)

EU Foreign Policy Chief Catherine Ashton, left, poses for a photo with Iran's Chief Nuclear Negotiator Saeed Jalili in Baghdad, Iraq, Wednesday, May 23, 2012. Negotiators from the U.S. and five other world powers sat down Wednesday with a team of Iranian diplomats to try to hammer out specific goals in the yearslong impasse over Tehran's nuclear program. (AP Photo/Hadi Mizban)

(AP) ? A top Iranian nuclear negotiator said traces of enriched uranium discovered at an underground bunker came from a "routine technical issue," the country's official IRNA news agency reported on Saturday.

Ali Asghar Soltanieh, Tehran's envoy to the U.N.'s International Atomic Energy Agency, was responding to a report by the nuclear watchdog in which it said it had found radioactive traces at an Iranian site.

The uranium found was at level that is slightly closer to the threshold needed to arm nuclear missiles than Iran's previous highest-known enrichment grade.

The IAEA said Friday in the report that it was asking Tehran for a full explanation about the traces. But the report was careful to avoid any suggestion that Iran was intentionally increasing the level of its uranium enrichment.

Iran said the find was a technical glitch, according to the report. Analysts and diplomats said Iran's version sounded plausible.

Soltanieh said the issue was blown out of proportion for political reasons.

"This issue shows that some intend to damage the existing constructive cooperation between Tehran and the International Atomic Energy Agency," he was quoted as saying.

The West suspects Iran is pursuing a weapons program. Tehran denies the charge, saying its nuclear program is aimed at peaceful purposes like power generation and cancer treatment.

Associated Press

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Saturday, May 26, 2012

Getting Home Equity Loans With Bad Credit

Saturday, May 26th, 2012 at 11:25 am ?

Article by Clemente Oliver

Having bad credit is not the end of the line ? especially if you have a home that has some equity in it. There still are lenders who will be glad to talk to you. In fact, they know that this kind of loan may be just what you need to help you consolidate your debt and get off to a better start. Your equity is valuable to you and can enable you to get the cash you need. Here is what you need to know.

It is important that you understand that a home equity loan is a loan against your home. This means that should you default on your payments, you could lose the house ? plain and simple. So, before you decide to proceed with applying for a home equity loan, it is important that you make sure your own present financial situation can adequately handle it. Sit down and calculate how much you can afford and how much you need.

Bad credit will limit your loan, so you may want to take the needed time to repair your credit rating. Having better credit will allow you to get a larger loan, have lower interest rates, and more time to repay the loan. So, if your loan can wait until then, it would be a good idea in order to get more desirable terms.

A home equity loan can be either fixed rate or adjustable rate, enabling you to make a choice here according to your needs and the economy. Keeping an eye on the market rates will enable you to know when you should get your loan.

You will be able to get a home equity loan as either a cash out mortgage, or as a typical second mortgage. A cash out mortgage means refinancing your first mortgage and taking out the equity you need. The more equity you have in the home means the more that will be available to you ? as long as your current finances are able to handle the loan. Getting a new first mortgage can help you get better terms if the interest rates are lower and if you have been working on your credit score.

When you get a home equity loan as a second mortgage, you finance less, and it will add a second payment each month. The terms generally go up to 15 years.

If you choose to use the money as a means to consolidate some debts ? it is an excellent way to do it. The interest rates will be high, but probably not as high as a credit card, or other personal loan. If you also look at the home equity loan as a means to restore your credit rating, it can become a good tool to do so. Making payments on time each month will eventually bring your credit score up to where you want it to be, and then, if you want, you could refinance for a better deal.

While you are looking to get your home equity loan and find the best terms available for your situation, you want to be sure to get several quotes. There is competition between lenders ? even for people with bad credit. By shopping around, you will soon have a loan suitable for your needs. Take your time, and learn about mortgages first, and keep a sharp eye out for the best deals.

About the Author

For tips on podocarpus bonsai, preserving jalapenos and other information, visit the Gardening Central website.

Use and distribution of this article is subject to our Publisher Guidelines
whereby the original author?s information and copyright must be included.

Tagged with: credit ? equity ? Getting ? home ? Loans

Filed under: Home Equity Line Of Credit Calculator

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4 Rules To Transform A Long Distance Love On The Internet Into A ...

Let?s suppose that you are meeting someone online and that person seem to be the match of your life, but is living far away from you. Does it worth to spend your time in a long distance? relationship with this person?

What if this person is really your soul mate?

You may be surprised how much a relationship can grow if you work at it. If you know and apply some simple rules, your relationship can turn out to be one of the most successful and happy relationships that ever existed.

Distance, combined with phone calls and writing, electronically or through regular mail, can foster an enviable intimacy which results from learning about another?s qualities, values and ways of thinking, sensitivities, dreams, and aspirations. This type of intimacy can make your coming together much more special.

And, as if relationships weren?t complicated enough, having them across a long distance is extremely challenging. Just read the following rules and try to keep them in mind and apply them:

1. The quality of a relationship is more likely to increase if both people develop the ability to share feelings openly with each other. Do not be afraid to tell your partner what you really need and want from him or her, he or she deserves to know the truth and judge whether they can give it to you.

2. Make the relationship a high priority. Avoid canceling reunions or putting off a phone call.

3. Keep in touch daily. If large phone bills are a concern, send e-mail, letters, cards and even faxes. And when you do make contact, don?t just stick to love talk, but keep each other informed on the day-to-day aspects of your lives. This way each of you is aware of how the other is thinking, feeling and developing.? Late-night talks and thoughtful letters can convey a lot of what is most important in the long-term: your goals, values and dreams.

4. Be prepared to be flexible. Tell your partner of how much you think about and love him or her and you will score some important points. Making them miss you more and you?ll fill them with the constant urge to see you. But don?t be possessive.? Being paranoid and accusing will only grow doubts, insecurity and tension between you and none of those will help the relationship develop successfully.

If your partner truly wants to be with you, then they would not want to wait forever to have you next to her or him. As long as you both trust each other, inform one another of your personal lives, keep in touch, your relationship can turn out into a happy normal relationship.

Ultimately, a fabulous relationship is your goal ? right?

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latest business news: kleon levon: Sports, Fitness and Recreation ...

Sports attire registers a large list of product sales in last decades. It is likely one of the sharpest elevating industries because of the rising variety of rugby fans and soccer fanciers. Various parts are responsible for such developed gross sales of sports apparel. One foremost ingredient is the getting requirement of games apparelapparel by faculty and sports activities enthusiasts. In this writing we'll take a look at some of the radical and great facets of the growing sports attire manufacture. 1) TV carries comparable as

Sports Fitness and Recreation

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Friday, May 25, 2012

Rental Car Insurance: To Buy or Not to Buy? | Mays - Tucker Insurance

Rental Car Insurance: To Buy or Not to Buy?
As the holiday season approaches, millions of Americans will take to the roads to visit family and friends. Since many will make the trip in a rented car, it?s an appropriate time to discuss one of the most frequently asked questions of agents and brokers all over the country: ?Should I buy the insurance from the rental car company??

Following are a few considerations when mulling this important decision:

DAMAGE WAIVER & YOUR PERSONAL AUTO POLICY
First, the good news: In many cases, a personal auto insurance policy will cover damage to a rented vehicle. That said?don?t get too comfortable! There are other costs associated with damage to a rented vehicle that the policy will not cover. For this reason, careful consideration should be given to purchasing the damage waiver offered by the rental car company.

On your personal auto policy, ?Collision? insurance covers your vehicle for damage resulting from a collision with another object. ?Comprehensive? (sometimes called ?Other Than Collision?) covers your vehicle for theft, vandalism, falling objects and other causes not resulting from a collision. If you have a car loan, your lender will require you to purchase both. If you pay the loan off, the choice to purchase collision or comprehensive?and both or neither?is up to you.

Your personal auto policy will only cover damage to the rental car if you have the appropriate coverage type on at least one vehicle you own. For example, if you damage the rental car in a collision, you must have ?collision? coverage on at least one vehicle covered by your personal auto policy. But if the rental car is stolen, vandalized, or damaged in any way not resulting from a collision, you must have ?comprehensive? coverage on at least one vehicle covered by your personal auto policy. The key point: If your personal auto policy excludes the coverage type that damages the rental car?and you reject or violate the damage waiver?you will become personally responsible for paying all costs related to the damaged rental car out of your own pocket!
In contrast, the damage waiver usually offered at the rental counter will cover the damaged rental car regardless of what?s covered by your personal auto policy.

LIMITATIONS IN YOUR PERSONAL AUTO POLICY
What else could you possibly owe the rental company following an event or crash? These include administrative fees and the depreciated value of the vehicle after repairs?neither expense is covered by your personal auto policy. In addition, most personal auto policies only pay up to the actual cash value (ACV) of the damaged vehicle. If the contract requires the damaged rental?s replacement, the ACV payout may not be sufficient to cover the entire expense.

Again, in contrast, the damage waiver will cover all such expenses.

Also, the rental contract likely will require you to pay the rental company?s ?loss of use.? These are expenses they incur resulting from the inability to earn income from the damaged rental. This cost could be hundreds of dollars or more. Some personal auto policies will pay a limited amount for this expense (such as $20 per day or $600 total). Others will not cover it at all.

In contrast, the damage waiver will pay the full cost of the rental company?s loss of use.

NO CLAIM NECESSARY
If something happens to the rental car, purchasing the damage waiver gives the rental agency management of the process. This will allow you to avoid filing a claim and possibly help keep the cost of your insurance from going up. It also will keep your deductible in your pocket.

LIMITATIONS IN THE DAMAGE WAIVER
Don?t forget that the rental car company?s damage waiver is a contract. It will include a list of restrictions that, if violated, may terminate the waiver and leave you personally responsible for paying the costs associated with the damaged rental car. Examples of such restrictions may include:

? Damage to rental while driven by someone not specifically named on the contract.
? Damage to rental while driven on unpaved roads.
? Damage to rental while it?s being occupied by more passengers than available seatbelts.
? Damage that occurs while pushing or towing.

This list is only a sample; the typical damage waiver may include additional restrictions.

Moreover, the car rental company?s loss damage waiver covers ?diminished value,? the economic reduction in value of a repaired auto due to it having been damaged. Almost all auto policies and many credit card coverages exclude diminished value. What?s the impact to you? If you don?t take the damage waiver, you could get hit with a diminished value claim of $1,500 or more, depending on your type of damaged rental car.

DAMAGE WAIVER COVERS VEHICLE DAMAGE ONLY
Perhaps the most important fact to remember is that the damage waiver only applies to damage to the rented vehicle. It is not a substitute for liability, medical payments, uninsured motorist, personal injury protection, and any other personal auto insurance coverage.

OTHER PRODUCTS OFFERED BY RENTAL COMPANY
In addition to the damage waiver, most rental car companies offer a few optional insurance-type products. For example, some may offer a liability enhancement that gives you the option to increase the liability limits you already carry on your personal auto insurance policy. Depending on your available auto liability insurance, this option may be worth consideration.

Others may offer options such as accidental death, trip cancellation, or damaged luggage insurance during the rental period. Such options vary by company and may provide insurance dollars you cannot get elsewhere. However, they should not be purchased without first reviewing your current home, health and auto insurance policies as there may be duplication.

CONCLUSION
In light of the information above, you should seriously consider?and probably buy?the damage waiver from the rental car company. Deciding whether to purchase other products from the rental firm, however, depends largely on the insurance already available to you from other sources. For assistance in determining coverage you already have and comparing it to the rental company?s options, call your Trusted Choice? independent insurance agent today.

Business Travel Note: When you rent a car on a business trip, that?s an entirely different set of decisions, so again please talk with your Trusted Choice? independent insurance agent.

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CWRU class earns Science magazine prize for innovation

CWRU class earns Science magazine prize for innovation [ Back to EurekAlert! ] Public release date: 24-May-2012
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Contact: Kevin Mayhood
kevin.mayhood@case.edu
216-368-4442
Case Western Reserve University

Science magazine has awarded a prize for Inquiry-Based Instruction to a Case Western Reserve University class that melds biology, computer modeling, mathematical analysis and writing.

"Dynamics of Biological Systems," taught by Biology Professor Hillel Chiel and three graduate assistants, abandons traditional lectures altogether in favor of learning by doing. The teachers call the class an example of the use of the continual improvement model in education.

In it, Chiel pairs biology majors with engineering, physics or math majors, and has them concentrate on building academic and collaborative skills as they apply math to biological questions. Teachers provide guidance, not answers, often working one-on-one through class time.

Chiel, and doctoral students Jeffery P. Gill, Jeffrey M. McManus and Kendrick M. Shaw, describe "Dynamics" and the philosophy behind the course in this week's issue of Science. The story is embargoed until 2 p.m. U.S. Eastern Time Thursday, May 24.

The Science Prize for Inquiry-Based Instruction was established to encourage innovation and excellence in education by recognizing outstanding, inquiry-based science and design-based engineering education. Winners are selected by the editors of Science with the assistance of a judging panel composed of teachers and researchers in relevant science and engineering fields.

Each month, Science publishes an essay by a recipient of the award, which explains the winning project. Only 20 percent of submitted entries go on to become winners.

"The vast majority of biologists hate math and usually don't like programming," Chiel said. "Many engineers have been forced to take biology and hate it because of the memorization." The prevalence of these attitudes is reflected in questionnaires the students complete at the beginning of the semester.

This class, however, puts the two disciplines firmly in students' hands, to explore and build proficiency, and, eventually, to replicate and build on recent math models used in the biological sciences. The course is cross-listed as both a biology and biomedical engineering class.

"I've previously taken regular calculus classes with engineers and wondered what would the classes ever be useful for," said Kate Coyle, a biology major who completed the Dynamics class and graduated this semester. "Labs I've had in biology and physics show you the protocol and the expected result.

"This is not the same, at all. We were solving real problems every day."

Students work through problems using an online interactive textbook, Dynamics of Biological Systems: A Modeling Manual Chiel wrote and the computer programming language Mathematica, which scientists worldwide rely on to build mathematical models of complex systems. Chiel's book is available free to students as well as teachers who may want to use it as is or as a model for their own classes.

When teams become stuck on a problem, ,Chiel or a teaching assistant makes suggestions, gives clues and tries to coax out the answer. After success, teachers quiz individuals about how they found the solution and what they'd learned.

The class of 30 is spread out among hexagonal tables. Teams power up their laptops and go to work. Each day the teachers rotate to a different group of students, and after each class they compare notes on who has mastered the skills and who needs extra help, Gill said.

When the second half of the semester begins, teams choose a mathematical model that was recently published in a scientific journal, begin reconstructing and analyzing it and then writing in detail what they learn. The students then extend the model to answer new questions that they ask themselves, and write up results as if they were writing for a scientific journal.

Coyle and her teammates Valencia Williams and Joshua DeRivera focused on a paper that used math models to describe HIV's effects on the body, based on T-cell and free virus populations in the blood. Coyle, Williams and DeRivera found the model worked well in early stages of the disease, but was not as accurate for the late stages.

The team varied one parameter over time to simulate an exponential increase in the replication rate of the virus as it mutates from a slow-growing to a fast-growing strain, Coyle explained. This allowed them to preserve the original model's accuracy during early behavior and also reach a realistic end-stage value.

Chiel has developed the class over a decade, based on feedback from students and evidence that individuals learned and retained skills and understood concepts of biology, math and programming better under this process.

"What I find so cool is that by the last few weeks of the module, we're having really professional discussions with students," Chiel said.

By the end of the course, biology majors feel more competent in computer programming and the engineers more competent in biology and programming, according to end-of-semester questionnaires.

Since abandoning lectures for hands-on, continual development and reinforcement, overall class scores are higher on the final, conceptual exam and final grades, on average, have increased by slightly more than one letter grade.

It is much more challenging to teach the class in this way, Chiel concludes, but on the whole much more fun and effective for both students and teachers.

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CWRU class earns Science magazine prize for innovation [ Back to EurekAlert! ] Public release date: 24-May-2012
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Contact: Kevin Mayhood
kevin.mayhood@case.edu
216-368-4442
Case Western Reserve University

Science magazine has awarded a prize for Inquiry-Based Instruction to a Case Western Reserve University class that melds biology, computer modeling, mathematical analysis and writing.

"Dynamics of Biological Systems," taught by Biology Professor Hillel Chiel and three graduate assistants, abandons traditional lectures altogether in favor of learning by doing. The teachers call the class an example of the use of the continual improvement model in education.

In it, Chiel pairs biology majors with engineering, physics or math majors, and has them concentrate on building academic and collaborative skills as they apply math to biological questions. Teachers provide guidance, not answers, often working one-on-one through class time.

Chiel, and doctoral students Jeffery P. Gill, Jeffrey M. McManus and Kendrick M. Shaw, describe "Dynamics" and the philosophy behind the course in this week's issue of Science. The story is embargoed until 2 p.m. U.S. Eastern Time Thursday, May 24.

The Science Prize for Inquiry-Based Instruction was established to encourage innovation and excellence in education by recognizing outstanding, inquiry-based science and design-based engineering education. Winners are selected by the editors of Science with the assistance of a judging panel composed of teachers and researchers in relevant science and engineering fields.

Each month, Science publishes an essay by a recipient of the award, which explains the winning project. Only 20 percent of submitted entries go on to become winners.

"The vast majority of biologists hate math and usually don't like programming," Chiel said. "Many engineers have been forced to take biology and hate it because of the memorization." The prevalence of these attitudes is reflected in questionnaires the students complete at the beginning of the semester.

This class, however, puts the two disciplines firmly in students' hands, to explore and build proficiency, and, eventually, to replicate and build on recent math models used in the biological sciences. The course is cross-listed as both a biology and biomedical engineering class.

"I've previously taken regular calculus classes with engineers and wondered what would the classes ever be useful for," said Kate Coyle, a biology major who completed the Dynamics class and graduated this semester. "Labs I've had in biology and physics show you the protocol and the expected result.

"This is not the same, at all. We were solving real problems every day."

Students work through problems using an online interactive textbook, Dynamics of Biological Systems: A Modeling Manual Chiel wrote and the computer programming language Mathematica, which scientists worldwide rely on to build mathematical models of complex systems. Chiel's book is available free to students as well as teachers who may want to use it as is or as a model for their own classes.

When teams become stuck on a problem, ,Chiel or a teaching assistant makes suggestions, gives clues and tries to coax out the answer. After success, teachers quiz individuals about how they found the solution and what they'd learned.

The class of 30 is spread out among hexagonal tables. Teams power up their laptops and go to work. Each day the teachers rotate to a different group of students, and after each class they compare notes on who has mastered the skills and who needs extra help, Gill said.

When the second half of the semester begins, teams choose a mathematical model that was recently published in a scientific journal, begin reconstructing and analyzing it and then writing in detail what they learn. The students then extend the model to answer new questions that they ask themselves, and write up results as if they were writing for a scientific journal.

Coyle and her teammates Valencia Williams and Joshua DeRivera focused on a paper that used math models to describe HIV's effects on the body, based on T-cell and free virus populations in the blood. Coyle, Williams and DeRivera found the model worked well in early stages of the disease, but was not as accurate for the late stages.

The team varied one parameter over time to simulate an exponential increase in the replication rate of the virus as it mutates from a slow-growing to a fast-growing strain, Coyle explained. This allowed them to preserve the original model's accuracy during early behavior and also reach a realistic end-stage value.

Chiel has developed the class over a decade, based on feedback from students and evidence that individuals learned and retained skills and understood concepts of biology, math and programming better under this process.

"What I find so cool is that by the last few weeks of the module, we're having really professional discussions with students," Chiel said.

By the end of the course, biology majors feel more competent in computer programming and the engineers more competent in biology and programming, according to end-of-semester questionnaires.

Since abandoning lectures for hands-on, continual development and reinforcement, overall class scores are higher on the final, conceptual exam and final grades, on average, have increased by slightly more than one letter grade.

It is much more challenging to teach the class in this way, Chiel concludes, but on the whole much more fun and effective for both students and teachers.

###



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

?


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


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