Wednesday, February 29, 2012

Home Remodeling Projects to Consider | PR ?l?nky

There are tons of different sorts of home remodeling schemes that you can take into consideration. Although, unless you are deciding to remodel your entire home, you will need to ascertain the way in which you want to go about it. You should first concentrate on the required repairs and then proceed to the projects that will make your home more relaxing and beautiful. The following are some useful home remodeling suggestions you may want to implement.

You often need a permit to do any significant work on your home. This varies from place to place, so it is important that you check into this before beginning any home improvement projects. Or else you increase your probability of getting fined from your city or town when someone finds out. A simple call to your local government offices is usually all it takes to find out what you need. If you are paying for a licensed contractor, he will typically be the one to handle these matters, yet if you are hiring a simple laborer or handyman then it is your responsibility to handle the matters. Getting a permit is not usually an obstacle, but it is something you do not want to overlook if you want to avoid problems in the future.

While some home improvements are costly, in many cases there are ways to be economical about it. Naturally, if you have to replace your roof or install a new kitchen or bathroom, it?s going to cost you some money, but you can make many changes using cheap or used materials. Be on the lookout for used or even antique items that can be either practical or decorative, such as interesting pieces of furniture, carpets or maybe a lighting fixture.

You never know what might make a difference in a room -perhaps an antique mirror, a landscape painting or a set of chairs you got a good deal on at a local auction. Nor should you overlook the millions of possibilities you can find online every day. Go on auction sites like eBay and seek out interesting but not super popular or high priced items.

You can?t trust everyone who claims to be a contractor. In general, beware of people who turn up out of the blue and offer to fix something, usually at a bargain price.

You?re likely to end up with a half-completed job (at best) and out several hundred or thousands of dollars. If your area has been hit by any kind of catastrophe you have to be especially wary of this type of predator, as they have no qualms about profiting from other people?s misery. So if a stranger contacts you about home improvement, it?s best to say you?re not interested.

Home remodeling can be painless and even fun, provided that you?re practical and organized about it. It?s fine to do remodeling to make your home more beautiful or comfortable, but make sure you first take care of any structural issues. When it comes to home remodeling, the more thought you put into it, the better you can expect the results to be. So take inventory and figure out what needs changing around your home!

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Dying is Easy, Living is Tough?. | The Daily Retort

Image courtesy of Creative Commons

Life is hard.? Life is loss.? Life wears you down, yet despite those challenges most of us still prefer living to dying.

But that?s not always the case.

For instance, statistics show that many surviving spouses die within two years of their predeceased spouse.

An abstract on that very subject published in the American Journal of Public Health produced some interesting findings after studying more than 150,000 cases involving the deaths of one spouse after the other ? the abstract defines such follow-on deaths as ?excess mortality:?

  • Excess mortality among the bereaved was high from accidental, violent, and alcohol-related causes;
  • Excess mortality was greater at short durations of bereavement ( < 6 months) rather than long durations of bereavement;
  • Excess mortality had a higher incidence among younger rather than older bereaved individuals;
  • Excess mortality was more common among men than women.

In a nutshell, most deaths by surviving spouses are violent, accidental or involve alcohol; they usually occur within six months of the passing of the predeceased; and occur more frequently if the survivor is younger and/or happens to be a man.

The study investigators theorized the following reasons for these trends: ?The results are consistent with the hypothesis that excess mortality after the death of a spouse is partly caused by stress. The loss of social support or the inability to cope with stress may explain why men suffer from bereavement more than do women.?

Those findings are understandable, but what?s interesting is the role played by stress and lack of a social support network ? which are fixable or addressable conditions that don?t necessarily result in death.

Many of us have stress or lack a social support network, yet we don?t die from either.

I would propose that these ?excess mortalities? suggest a type of resignation or ?giving up? of sorts ? specifically, giving up on the will to live.

A similar phenomenon occurred during and after the Holocaust amongst Jews who had lost their entire families and experienced ?survivors? guilt? which eroded their own will to live. Many who experience survivor?s guilt ultimate die from it or end up committing suicide.

TIME magazine reported in the first week of January 2009 that billionaire industrialist and mogul Adolph Merckle ? the founder of Merck pharmaceutical company ? jumped to his death in front of a speeding metro train near his home in Germany.

Police knew it wasn?t an accident because Merckle left a suicide note for his family. The TIME article further states that his intentional death was blamed on failed financial investments and losses amounting to hundreds of millions of dollars. Merckle was not the first, nor the last self-inflicted, economically-derived death.

Many of us boggle at these types of celebrity self-killings; however it?s clear that dying at one?s own hand clearly suggests a lack of ?will to live.?

Ultimately, every one of us in life will experience hardship, heartache, pain, trials, tribulations and loss in some manner or form. The challenge is that when you?re faced with the inescapable reality and magnitude of those types of losses, many people fail to see beyond those immediate circumstances ? ultimately giving up and losing their will to live.

That death dichotomy is echoed in the ancient proverb, which reads:
?The strong spirit of a person sustains them in bodily pain or trouble, but a weak or broken spirit ? who can raise it up?? Proverbs 18:14.

Strengthening a weak or broken spirit, that?s where faith is critically important.

One of the greatest definitions of that word ?faith? that I?ve ever read states that, ?Faith is the evidence, the conviction, the assurance of things hoped for yet unseen.?

In other words, faith is not merely wishing or positive affirmations ? it is an inner reserve of strength that allows you to see beyond the ?here and now,? to a future that?s on the other side of the immediate and real loss from which you see no current hope or escape.

Believe it or not, a faith-filled vision that focuses on the other side of the dire circumstances ? can help pull you through what you couldn?t endure without it and helps sustain that critical element of life ? a will to live. Consider the following faith-filled beliefs:

  • ?I?m ready for anything and equal to anything through Him who infuses me with strength in my inner being.? Philippians 4:13
  • ?In the day when I called, you answered me and you strengthened me with strength, might and inflexibility in my inner self.? Psalms 138:3

More and more it seems that faith is becoming less and less important in our post-modern life.

I would counter that growing sentiment, citing the previous hopeless examples above as evidence that faith is critically important ? especially regarding the will to live.

Question: What maintains your will to live? How do you deal with stress and a lack of a social support network?


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Tuesday, February 28, 2012

Scales tipped against Daphne on 'Loser'

Daphne Dortch, the latest contestant eliminated from NBC?s ?The Biggest Loser,? says she?s happy to leave the drama of the show and return home to family. On Tuesday, she talked about her elimination last week with TODAY's Natalie Morales and Al Roker.

Related content:


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The best franchises for the money

Not getting paid what you?re worth (or not getting paid at all) and want to start your own gig? For those who don?t have the patience, capital or guts to generate sales from scratch, franchising can make a lot of sense ? though not all brands deliver the same return on investment.

With the help of Robert Bond, chief executive of the World Franchising Network (a franchise database) and publisher of Bond?s Franchise Guide, we waded through data on 110 of the most established names to find 20 that competent operators should consider.

The methodology is based on five variables: average initial investment (franchise fees plus equipment costs); total locations (the more the better); closure rate (the number of closings in the last three reported fiscal years divided by the total number of existing locations); growth in the number of U.S. outlets in the last three years; and the number of training hours as a percentage of startup cost (the more support from the home office, the better). Overall footprint and survival rates carried the most weight. We did not include royalties paid to franchisors because they ranged in a tight band and thus barely affected the overall rankings.

All of this information can be found in each company?s 400-page franchise disclosure document ? required reading before any new franchisee takes the plunge.

Here are the top 10. Here is the full list of Top 20 Franchises for the Money.

1. Snap-on, Kenosha, Wis.

These stores-on-wheels sell tools to professional mechanics. Each Snap-on truck comes equipped with a computer, wireless Internet access and a DVD player for product demonstrations.

Average initial investment: $135,390
U.S. locations as of Jan. 1, 2011: 3,392
Closures: 0
Hours of training offered: 191 Why Best Buy is going out of business ? gradually

2. 7-Eleven, Dallas

The 24-hour home of the Slurpee is the largest franchisor (by outlets) in the world. U.S. military veterans get a 10 percent discount on the initial franchise fee.

Average initial investment: $393,800
U.S. locations as of Dec. 31, 2010: 6,142
Closures: 90
Hours of training offered: 304

3. Aaron?s, Atlanta

Opened in 1955, this chain sells and leases furniture, televisions and household appliances. It offers a $450,000 line of credit to buy inventory ? more if business is brisk.

Average initial investment: $420,725
U.S. locations as of Dec. 31, 2010: 1,749
Closures: 12
Hours of training offered: 701

4. Panera Bread, St. Louis

This fast-casual chain sells homemade bread and made-to-order sandwiches and salads. Three Panera Cares cafes function as charities, accepting donations and offering free food to hungry patrons.

Average initial investment: $1,447,770
U.S. locations as of Dec. 28, 2010: 1,379
Closures: 6
Hours of training offered: 1,129 Why J.C. Penney will be the most interesting retailer of 2012

5. Servpro, Gallatin, Tenn.

Started in 1967 and now in 48 states, this chain cleans buildings and homes after fires, floods or other natural disasters hit, including the September 11 terrorist attacks and Hurricane Katrina. It marshals ?elite large-loss specialists? to handle universities, municipalities and the Pentagon.

Average initial investment: $156,250
U.S. locations as of Dec. 31, 2010: 1,571
Closures: 22
Hours of training offered: 226

6. McDonald?s, Oak Brook, Ill.

After recent makeovers, most locations now boast Wi-Fi access, hanging lights and contemporary art. The chain is one of 11 companies with exclusive marketing rights in its category during the 2012 Olympics.

Average initial investment: $1,480,625
U.S. locations as of Dec. 31, 2010: 14,016
Closures: 367
Hours of training offered: 840

7. Liberty Tax Service, Virginia Beach, Va.

The tax-prep chain takes to the streets with employees who dress up like the Statue of Liberty and wave logoed signs. Each year, for a week in January, Liberty offers free nationwide classes on tax preparation.

Average initial investment: $63,350
U.S. locations as of April 30, 2011: 3,592
Closures: 337
Hours of training offered: 31 Wal-Mart?s wrong-headed reorganization

8. Merry Maids, Memphis, Tenn.

This unit of ServiceMaster provides home and window-cleaning services (and a wealth of free cleaning tips on its website). It runs a closed intranet where franchisees can share experiences and get advice.

Average initial investment: $66,600
U.S. locations as of Dec. 31, 2010: 943
Closures: 17
Hours of training offered: 58.5

9. The Maids International, Omaha, Neb.

This home cleaner is in every state except Pennsylvania. The average revenue for franchisees in business at least four years is $959,000; each location starts with at least six employees, plus the owner.

Average initial investment: $106,420
U.S. locations as of Sept. 30, 2010: 1,053
Closures: 38
Hours of training offered: 210

10. Jimmy John?s, Champaign, Ill.

Jimmy John Liautaud founded this dine-in sandwich shop in 1983 at age 19. New franchisees don?t have access to financing, but they do get help setting up their operations. The final step, warns the company website: ?Work harder than you ever have in your life.?

Average initial investment: $395,500
U.S. locations as of Dec. 31, 2010: 1,130
Closures: 23
Hours of training offered: 172 slideshow: Top 20 franchises to own Where you might not shop in 2012?? Sears is closing stores, what retailer will be next?

? 2012


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Monday, February 27, 2012

Scott leads Miami past No. 15 Florida State 78-62

Miami basketball player Reggie Johnson, center, sits on the bench talking to teammates DeQuan Jones, right, and Erik Swoope during the first half of an NCAA college basketball game against Florida State in Coral Gables, Fla., Sunday, Feb. 26, 2012. Miami ruled Johnson ineligible to play. (AP Photo/J Pat Carter)

Miami basketball player Reggie Johnson, center, sits on the bench talking to teammates DeQuan Jones, right, and Erik Swoope during the first half of an NCAA college basketball game against Florida State in Coral Gables, Fla., Sunday, Feb. 26, 2012. Miami ruled Johnson ineligible to play. (AP Photo/J Pat Carter)

Miami's coach Jim Larranaga appeals a foul call by an official during the first half of an NCAA college basketball game against Florida State in Coral Gables, Fla., Sunday, Feb. 26, 2012. (AP Photo/J Pat Carter)

The Florida State bench watches as Miami scores two points during the second half of an NCAA college basketball game in Coral Gables, Fla., Sunday, Feb. 26, 2012. Miami defeated Florida State 78-62. (AP Photo/J Pat Carter)

Florida State's Bernard James (5) blocks a shot by Miami's Durand Scott (1) during the first half of an NCAA college basketball game in Coral Gables, Fla., Sunday, Feb. 26, 2012. (AP Photo/J Pat Carter)

Florida State's Luke Loucks, center, reacts as Miami's Kenny Kadji (35) and Rion Brown (15) block him during the first half of an NCAA college basketball game in Coral Gables, Fla., Sunday, Feb. 26, 2012. (AP Photo/J Pat Carter)

(AP) ? Miami overcame the loss of a top player and enhanced its NCAA tournament resume.

Durand Scott scored 17 points and the Hurricanes beat No. 15 Florida State 78-62 on Sunday night, snapping a six-game losing streak to the rival Seminoles.

Miami had lost 11 of 12 against Florida State, which made this victory particularly sweet.

"It's our rivalry game," Scott said. "To get a quality win like that, it's great. And I'm sure the rest of the team feels the same way."

Kenny Kadji added 15 points for the short-handed Hurricanes (17-10, 8-6 Atlantic Coast Conference), who pulled into a tie with Virginia for fourth place in the conference standings.

Miami played without starting center Reggie Johnson, declared ineligible by the school an hour before the game after an investigation revealed members of his family had received benefits not allowed under NCAA rules. According to a statement released by the university, "Johnson was unaware of the benefits and his family was told they were permissible by a member of the former basketball coaching staff."

Miami is seeking a quick resolution from the NCAA in an attempt to reinstate Johnson, who is averaging 10.6 points per game.

"It's my understanding that Reggie and his family didn't know of any impermissible benefit," coach Jim Larranaga said. "It was somebody else."

The Hurricanes used Johnson's absence as motivation.

"Just because one person goes down, you just can't quit," Scott said. "I'm pretty sure he wanted us to step up and do the things necessary that Coach wants us to win basketball games."

Michael Snaer scored 20 points to lead third-place Florida State (19-9, 10-4).

The Seminoles rallied from a 59-42 deficit with 5:07 remaining and got within 65-58 on Snaer's two free throws with 2:39 left.

"We just tried to put everything on the line and try to claw our way back," Snaer said. "They knew we were going to come back with that type of firepower and aggressiveness on defense."

Scott, Kadji and Shane Larkin each hit two free throws in the next 58 seconds as Miami increased the lead to 71-58. Larkin finished with 13 points.

The Hurricanes expanded a four-point halftime lead and outscored the Seminoles 14-8 in the first 5:15 of the second half. Rion Brown hit the fourth 3-pointer in Miami's early second-half spurt to increase the lead to 38-28.

"We really finished the half strong," Larranaga said.

Snaer's three-point play with 10:48 left cut it to 44-35 before the Hurricanes responded with consecutive 3-pointers from Trey McKinney Jones and Malcolm Grant.

Miami shot 7 of 13 from beyond the arc in the second half.

"I thought in the second half, they got their momentum going with their 3s," Florida State coach Leonard Hamilton said. "That kind of gave them confidence and we couldn't get anything going offensively."

The Hurricanes rallied from an eight-point deficit and took the lead for good with a 13-2 run in the final 4:34 of the first half. Scott scored seven points during the surge and his layup with 22 seconds remaining gave the Hurricanes a 24-20 lead at halftime.

Okaro White scored four points during an 8-0 run for the Seminoles midway through the first half. White's basket with 5:37 remaining capped the spurt and gave Florida State an 18-11 lead.

Miami was held scoreless for a 7:03 stretch until Scott made the second of two free throw attempts with 4:34 left to cut the Seminoles' lead to 18-12.

Associated Press


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Sunday, February 26, 2012

$100 Visa Giftcard Contest! Do You Have The Luck Of The Irish?

We just finished with two very successful contests – the Apple TV and Cannon Camera giveaway and the $50 giftcard contest. So it is that time – time for another great contest. I know people are tight on money these days, who has $100 to spend on a night out with friends? Well, you can! We are giving away a $100 visa gift card just in time for St. Patrick’s day. See i you have the luck of the Irish and enter! Please check out our contest section here for all current contests. We run several a month, so check back often! We also have fun interactive contests as well! Who knows, we may do a random giveaway just for your participation. Stranger things have happened;) We want to make this site not only fun to read, but also offer you a few incentives for being loyal readers! Just our way of saying “Thank you for your readership.” Readers, please join in on the fun and help us spread the word! In order for us to give away more giftcards each month, we need you to share with your friends so we can up the anti! Right Celebrity wants to [...]


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Saturday, February 25, 2012

Enneagram II: Spirituality and Integration (?Now that I have my number, what do I do with it??) - All Souls Unitarian Universalist Church of Shreveport, Louisiana ? Announcements

In learning to observe ourselves, we create the opportunity of consciously choosing our behavior and thereby living more effectively. ?The Enneagram can be extremely valuable in learning how not to identify with our personality. ?By naming and releasing the contrary forces of our personality, we are able to see ourselves and let go of what is enticing us away from a fuller, more authentic life. ?Understanding the levels of Integration and Disintegration for our particular personality type is a valuable tool for growth. ?They show us what we will encounter on the way to either health and wholeness or neurosis.

Friday (9 March 2012) ? 6:45 PM to 9:15 PM (Registration begins at 6:30 PM)

Saturday (10 March 2012) ? 9:00 AM to 4:30 PM

Spirituality and Integration Enneagram workshop includes:

  • Appropriate and Inappropriate Uses of Energy Centers
  • Paths of Disintegration (Destructive Ways) and Integration (Wholeness)
  • Overcoming Compulsions
  • Traps and Holy Ideas
  • Conversion for Each Enneagram Number

Prerequisite is attendance at a Basic Enneagram Workshop or a fairly good grasp of Enneagram theory from reading and a pretty good idea of what your Enneagram number might be.

About the Presenters

The presenters have many years of experience conducting workshops and seminars.

  • Mickie Cowan, studied at Jung Institute in Switzerland and is Chaplain at Live Oak Retirement Community in Shreveport LA.
  • Maria O?Brien, Jungian-based psychotherapist, certified spiritual director and co-author of Beyond the Castles Doors-A Soul Quest for the Holy Grail in Fredericksburg TX.
  • Matt Woollett, is an Episcopal Priest, Retreat Leader for Men?s Matters and is Chaplain at Hospice Compassus in Alexandria LA.
  • Peggy Hamiter has received training at Enneagram Institute and is Administrator for Enneagram For Life (LLC).

Registration fee is $85.00 per person. The fee includes all workshop materials, refreshments, and lunch on Saturday. To register, send your name, address, email and phone number, along with a check made out to Enneagram for Life, to the following address:

Enneagram for Life, (LLC), Attn: Peggy Hamiter
3427 Beverly Place
Shreveport, LA 71105.

You may also pre-register by phone with a VISA or Mastercard by calling Susan Caldwell at the church office at (318) 868-3313.

Check-in will begin on Friday evening (9 March 2012) at 6:30 PM.

This entry was posted in Religious Education. Bookmark the permalink.


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Shit girls say to girls with breast cancer - Boing Boing

[Video Link]

I have heard many of these lines, myself. Jenny Salda?a (Facebook | Web | Twitter) is a Dominican actor/writer/producer/speaker who is surviving breast cancer with a fierce sense of humor intact. In the video above, she re-enacts some of the many unfortunate things that presumably well-meaning women have said to her, during her experience with the disease. There's a cool interview with here here, from a few years back. Her new project is here. Jenny, you're awesome.

(via @gillyarcht, who is also a survivor, and also awesome)

Where not otherwise specified, this work is licensed under a Creative Commons License permitting non-commercial sharing with attribution. Boing Boing is a trademark of Happy Mutants LLC in the United States and other countries.


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Friday, February 24, 2012

A message to Mickey Kaus (Powerlineblog)

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Tumblr's 'Babies with iPads' eye-catching

One of many babies from "Babies with iPads"

By Athima Chansanchai

For some of my friends, the iPad is a must-have distraction (and educational tool) for their kids, who embraced it from the get-go. Now, a popular Tumblr blog has harnessed the unbearable cuteness of being that defines this youngest generation's?instant comfort with the?tablet.

"Babies with iPads" is a standout on Tumblr, which is saying something. After five years of existence,?Tumblr?has captivated 120 million users through?15 billion unique monthly page views.

Jeff Luppino-Esposito and Stelios Phili are the proud papas to the blog, which takes Tumblr's typical minimalist approach to curating, by inviting readers to send photos, which then gives them free rein to for use. They post the pictures with whip-smart captions using the babies' names. For the image above, for instance, they wrote: "Bennett gets his Yo Gabba Gabba fix on Spotify, but he still remembers the first Raffi track he bootlegged off Kazaa."

There are numerous other examples; but we won't deprive you of that fun. Just watch your sugar intake: it might go sky high with all the sweetness you're about to see.

But now we're wondering if "Babies with Kindle Fires" or "Babies with Nook Tablets" will be next, or if those tabs will catch on as quickly as the iPad has with that particular set. One thing we know for sure, tablets are the preferred medium for some babies, especially this one who thinks a magazine is a broken iPad:


?? via Mashable

More stories:

On Twitter, follow?Athima Chansanchai, who is also trying to keep her head above water in the?Google+?stream.


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Thursday, February 23, 2012

Obama Sings Again: 'Sweet Home Chicago' With B.B. King (ABC News)

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How to Avoid Falling into the Friend Zone | GA Solar ? Your Solar ...

Turn On Your Flirt Quotient: This comes easily to most guys but the key is to time your actions perfectly and keep it brief. A friend will hold or hug much longer (and perhaps more sincerely) than a flirt! Remember that your intention is not to be insensitive but bring in that ?distance? or ?line of control?, so that she gets the hint that you?re not comfortable with all the touchy-feely unless you?re in a relationship that warrants that! Take advantage of lonely times with her and drop the subtle clues without getting too physical. Try to work up just enough chemistry to leave her thinking about what just happened.

Ensure you Have a Chance: If the woman is already attracted to another guy and heading towards a serious relationship with him, don?t slide yourself in between them. If eventually they?re not meant for each other and you?re willing to wait, you may be blowing your own chances by being a jerk.

Don?t be a Doormat: This is true for any relationship, but more relevant if you?re looking for a romantic future with a person. Don?t be too available for running errands, helping out or as a shoulder to cry on. Use your discretion because this is different for every relationship. You don?t want to come across as a callous dork but you also have ?other engagements? that you cannot just drop and rush to be with her at all times. Be there for her at times and at other times, not so much.

Don?t be an Agony Aunt: Is she sharing her every emotional struggle with you, especially concerning guys? Don?t counsel her to the point that she sees you as her father figure to turn to in case of failed love affairs or guys being mean to her. Be supportive and protective, but don?t offer too much advice, and state your views in a matter-of-fact manner. You may use this opportunity to convey subtly that you?re not all that comfortable discussing her other love liaisons.

Man Up a Bit: Don?t switch off your chivalrous instincts, instead grow one if you don?t already have it. Even in this day and age of active feminism and gender equality, women are invariably turned on by reasonable acts of chivalry that are not over the top. So don?t give a lot of thought and be self-judgmental about say, giving her a ride to the airport or being present in a time of severe personal loss. However, be careful not to become her regular ?on-call? chauffeur or a regular babysitter to her sister?s kids. Quit walking her dog every evening.

Date Other Women: Unless you?re almost sure she?s attracted to you and you?re close to making her your girlfriend soon, be normal around other women. Look around, date other women like you would do normally. Not to sound like scorning your lady love, but you can watch her reactions and look for that streak of jealousy just to reassure yourself that she is at least a slight bit interested. Everything is fair in love including using her jealousy to your advantage. Again, don?t overdo this or you?ll scare her away for good.

Pop the Question: The above techniques are for consciously avoiding the friend zone. But sooner or later you have to quit trying and face up to the results of your strategic tactics. Yes, find the right moment and let her know your true feelings. Do this as soon as you know she also may have the same feelings. If you?re not sure after all that while, well, there?s only one way to find out. You may be potentially throwing away a friendship, but then that?s not what you were looking for anyway, right?


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Wednesday, February 22, 2012

Video: Afghans protest alleged Quran burning

Thousands of Afghans rallied outside a U.S. military base over a report that foreign troops had improperly disposed of copies of the Quran, including some being burned. NBC?s Natalie Morales reports.

>> angry afghans took to the streets of kabul this morning after hearing reports that korans and other islamic texts were improperly disposed of at bagram airfield . the commander of international troops ordered an investigation into the incident he called unintentional in which about 30 korans belonging to former detainees of the base were burned or thrown in the trash.


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Conserve Several Cash Using These Useful Residence Improvement

Home betterment is considered the most cost-effective technique to get a new home in this market. Inside a buyer?s industry, it?s far too difficult to find an individual to buy the house for the value it?s valued. As an alternative of dealing with the real-estate hassle, why not develop the home you already have? This article has tips about how you can make your present home feel new.

Air Conditioner

If you?re looking to set up skylights or have them in your house, it can be considered a costly product through summertime. From the summer time months, the sun is shining overhead emitting quite a lot of heat. The heat will need you to run your air conditioner in a larger amount. Even so, lately, there has been superior excellent glazes formulated that support your windows in blocking out too much heat and preserving it in through winter months months. Talk with your neighborhood window vendor in regards to the great things about paying for glazed windows.

Think about employing white or light coloured tiles in case you are changing your roof. The lighter in weight tiles will reduce the heat that your attic absorbs, preserving your home cooler and cutting down the want for you personally to run central air conditioning. Running your air conditioner a lot less will conserve you capital on your electric invoice.

Swap your thermostat into a programmable type for a straightforward update that could conserve you capital on your strength bills. These thermostats is often set to automatically regulate the temperature according to the time of day, so your furnace or air conditioner will run a lot less often if you are at perform or university or when you will be sleeping.

If you don?t have some, install some ceiling lovers in all your rooms. You can utilize these to chill rooms and circulate the air, cutting down the need to use your air conditioning unit. This in turn will conserve you capital on your electric invoice and many probably raise the daily life expectancy of your respective air conditioner.

If you?re looking to improve the house, often check out the filters with your air conditioners. When you have a dirty and clogged filter, your air conditioner can have to perform a lot more difficult to chill the house. Whenever your air conditioner functions more difficult, you may be employing additional strength to chill your home. This will outcome in a very larger strength invoice.

Here is a good home improvement plan! Ensure that your total method (furnace, heat pump, home air conditioner) is strength reliable. Leaky ducts can reduce the overall strength efficiency of your respective heating and cooling method by around 20 percent. Duct sealing grows efficiency and lowers your utility bills.

When controlling the house during the summer time months, make full use of as a lot of lovers as you can. Ceiling lovers primarily enable continue to keep the air in a very bedroom circulating and thus enable continue to keep the bedroom cooler. Working with bedroom and ceiling lovers can help reduce the level of strength you employ running an air conditioner, reducing your electric invoice.

The concepts in this short article will help you find out how you can alter your present home in to the property of your respective dreams with easy renovations. Property improvement is easier and a lot less complicated than you could possibly consider, which is value reliable if you will be able to do some in the renovations oneself.


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U.S. mortgage applications sagged last week: MBA (Reuters)

[unable to retrieve full-text content]Reuters - Applications for U.S. home mortgages tumbled last week as demand for loan refinancing sagged, an industry group said on Wednesday.


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Importance Of Personal Finance Management | Personal Finance

In today?s world, money is an essential part of our life. In a way, we can say that money is the life blood that lets us live a comfortable life. True, money can?t buy us happiness, but it certainly gives us the assurance of a secured future and freedom to purchase things which make us and our loved ones happy.

But despite all this, most people are either too careless about managing their personal finances or just don?t know how to do it efficiently. As a result, most people start caring about their money only when they have left with very less of it. In the 21st century world, it has almost become a norm.

The so-called double income families love to a life of every luxury possible in the world and they don?t even think twice before digging into their savings or taking loans to get it. As a result, 8 out of 10 people have at least some loans on their head.

Until two years ago, the effects of bad personal finance management was only seen on a small level. But the current recession has turned the demon of badly managed personal finance into a national calamity. The failing banks, closing businesses and cost cuttings left a large number of people without a job.


But the unemployment was just a push to create a whole domino effect on the economy. Devoid of any personal savings and buried under loans, people started losing their homes, cars and even health insurance. So many people defaulted on their insurance payment that many insurance companies declared bankruptcy and many others were on the brink of going out of business.

We can blame so many factors for this ? the government, the corporates and most of all the banks who gave easy loans to people who could never afford them. But the truth is that it?s the job of banks to encourage us to take loans. That?s how their business. It?s only up to us to make complete sense of the situation.

Your banker would love to get you the huge loan for your second luxury car or a holiday home because he will benefit from it. He will even convince you that you are making the wisest decision by making a bigger purchase than you could ever afford to.

But you must understand that managing personal finances is extremely important. Make sure that you don?t make any purchase that?s out of your reach. We are not suggesting that you don?t take loan, but take it only when and only as much as essential. Try to create a savings account and keep an equivalent of three months of expenses in it, at all times.

In the end, I would say that bad times come in everybody?s life. We all have to go through our shares of difficulties whether its unemployment, sickness, or injury. All we can do is to make sure that we are prepared for it (at least financially).

Now, just Jet, Set and Go! Zoom up your earnings with these available opportunities of getting personal finance advice in home-based businesses. To get some in-depth help on home business set-ups go to


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Corboy & Demetrio Lawyer Named Board President of Center for ...

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Matthew T. Jenkins, a Chicago personal injury lawyer at Corboy & Demetrio, has become the President of the Board of Directors of the Center for Disability & Elder Law.

February 20, 2012 /24-7PressRelease/ ? Corboy & Demetrio attorney Matthew T. Jenkins has become President of the Board of Directors of the Center for Disability & Elder Law (CDEL), which provides legal services to elderly and low-income residents in Chicago and outlying Cook County, Illinois.

?I?m excited to take this leadership position with CDEL in its effort to help low-income residents get legal services they desperately need and deserve in these dire economic times.? Matthew T. Jenkins said.

At age 29, Jenkins becomes the youngest board president the Chicago-based non-profit agency has had. Jenkins, named a Super Lawyers Rising Star in both 2011 and 2012 because of his accomplishments as a personal injury lawyer, brings a tremendous amount of energy to CDEL.

CDEL?s mission is to provide free legal services to Cook County low-income seniors and disabled persons and to foster a pro bono culture within the Cook County legal community. It relies largely on volunteer attorneys to represent eligible clients in a broad range of civil legal matters, including landlord-tenant, consumer fraud and bankruptcy.

Jenkins, a trial lawyer at the Chicago personal injury law firm of Corboy & Demetrio since 2008, practices in the areas of medical malpractice and personal injury law, including cases arising from automobile collisions, construction negligence, premises liability and product liability. A graduate of the University of Pennsylvania, Jenkins received his Juris Doctorate degree in 2007 from IIT Chicago-Kent College of Law, where he was recognized for both his academic achievements and his commitment to public service. In 2005, the law school honored Matt?s personal dedication to public service by naming him a Public Interest Law Initiative Scholar.

Matt is an active member of the Illinois Trial Lawyers Association, where he currently serves as Co-Chairman of its Civil Rights and Criminal Law Committee and the Illinois State Bar Association where he is a member of the Judicial Evaluation Committee. Jenkins started and heads the Young Alumni Committee of the Alumni Board at IIT Chicago-Kent College of Law. Jenkins sits on the Executive Committee of the Chicago Bar Association?s Young Lawyer Section. In 2010, Jenkins was selected as the Illinois Pro Bono Attorney of the Month by Illinois Legal Aid Online (ILAO) for the volunteer legal work he has done.

About Corboy & Demetrio

Corboy & Demetrio is one of the nation?s premier law firms. It represents individuals and their families in serious personal injury and wrongful death cases and is renowned for its achievements in the courtroom and for its contributions to the community. The rights and concerns of its clients are at the core of Corboy & Demetrio?s practice. That commitment, dedication, compassion and relentless drive has resulted in exceptional service and exceptional results for its clients. The firm has acquired more than $3 billion in settlements and verdicts and has attained almost 600 settlements and verdicts in excess of $1 million. To speak with Matt Jenkins or any Chicago personal injury lawyer at Corboy & Demetrio, call 312-346-3191.

Helen Lucaitis

Corboy & Demetrio



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Tuesday, February 21, 2012

Pets: Ways to Just take Care of one&#39;s Dog | The Miami Wine Lover

The Bond that may come concerning someone and a pet dog may be exceptionally powerful, especially if that bond were strengthened dwelling with one another for many years, I?ve personally cried after loosing our friends and family puppy that were just like a greatest close friend to me from my birth until I as 15 decades old, when he was hit by a vehicle one early morning.

Canines serve quite a few diverse demands for dog snuggie men and women. Some people have a canine since they are lonely and want a loyal close friend or because they want a canine to guard the house. A puppy that is taken fantastic care of and supplied focus to regularly will give his living that can help protect his dwelling and his operator. For your blind a canine could be a pair of eyes to assist them get all-around and to the police a pet is usually an essential tool along with a faithful associate, that has a nose that next to nothing can conquer.

The first factor you should know about taking care of a pet dog is dogs need tons of workout. This is the same for big dogs and compact dogs. All puppies have to be let out at least at the time each individual eight several hours and ought to given at least a 20 moment walk to give the canine some clean air, workout plus a opportunity to alleviate their selves.

It?s also vital that you perform with all the dog snuggie regularly. This could imply heading for the park on a weekend or day off and possessing a excellent video game of fetch, tossing the ball all around inside your back garden or simply wrestling around the ground while using puppy, just make sure if you are ruff housing by using a tiny pet dog you really don?t accidentally hurt the pet dog. Participating in together with the dog for a half hour per day, is just not only excellent to the dogs bodily well being but a dig that may be played with often is mentally much healthier and significantly less possible to be a depressed canine, what?s more, it lowers your blood pressure as well and it will sort an unbreakable bond between both you and your pooch, that may extend to the family for those who must start having one just after possessing the dog snuggie.

Whatever you feed your pet is really vital that you the dogs ongoing very good overall health. The higher pet meals will likely be marked for what are groups the foodstuff is proper for. Younger pet dogs will need specific minerals and vitamins in more substantial quantities then an adult dog, plus the same goes for an elderly pet dog they have to have much more calcium inside their foodstuff that can help guard their bones and joints. Feeding your puppy the wrong foodstuff can stunt the dog?s development and opens the pet dog to some much larger possibility of surgery treatment once they are mature.

Much like anyone a canine really should be taken for the veterinarian?s place of work each and every 6 months, and need to get their shots each year. Typical checkups and vaccinations will also help assure that your pet dog grows to get an previous content canine.

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Tips On Dealing With Back Pain Houston | New Health and Fitness

New Health And Fitness.Org - Health Information You Can Use

The number of people suffering from back pain Houston is now very high and the causes are varied. These days there are many different types of treatment available both from medical professionals and ones that may be self performed. How you treat it will be determined by a number of factors.

For the most part the cause of the problem can be traced to muscle strain or some type of diagnosable condition. Lumbar herniated disks and degenerative disk disease are just two of the more common spinal issues which can be easily diagnosed by a medical professional. These are usually effectively treated using various methods.

In cases of more basic problems such as muscle strain it is possible to deal with it through home treatment. This will involve some resting for a little while and then some gentle exercises to re-strengthen the muscles. Exercises can include things like taking gentle walks or swimming. It all depends on the severity of the problem and a doctor will be able to make accurate recommendations.

In some cases simply resting and then exercising will not be effective enough and there are other options to consider. These include things like hot or cold therapies which will require a certain amount of testing to find which type works best. Cold therapy is generally used to help reduce inflammation and swelling and the hot is effective at improving blood flow.

Braces are also commonly used these days and are an effective way to support the muscles and offer protection from any further damage. The more severe cases can benefit from this greatly and the aid from the brace will far outweigh the discomfort which can be felt when wearing it.

When suffering from back pain Houston the first thing to do is consult a medical professional. They can then assess and recommend the best way to deal with the problem effectively.

Find out more about back pain Houston at our website

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How to Promote Your Business with an Online Contest | Website ...

So you have a website up and running. But you won?t be selling anything if the crowds don?t come. How do you get the crowds to come by your website without paid advertising?

Try running a contest!

Besides helping you promote your business, running a contest enables you to collect details about your prospects! After all, those who participate in the contest must somehow be interested in your prizes, right?

Organising a contest is an indirect way to get more information about your prospects. Once you have their emails in hand, you can contact them when you have promotions, discounts, giveaways, freebies and goodies directly.

Yes, running a contest is one of the many ways you can draw the crowd, especially if you offer your products as contest prizes.But what if you don?t have any products to offer as prizes? No problem! If you run a consultancy, offer your services as the prize. Yet, if you feel that you need to offer something tangible, you could try partnering with other businesses to offer prizes related to your business.

To run a successful contest, here are five important things to remember.

1. What?s In It For Me?

Those who join your online contest are in it for one thing: self-interest. What benefit will they derive from joining your contest? Give them a can?t-say-no reason. This means offering them a contest prize that they simply cannot refuse. The key thing is: never give them a product that is mediocre or worthless. People are not stupid so do not take them for a ride by offering something that you, yourself would not use or buy. Think like your customer: does this prize get me excited if I win? If you can?t even get yourself hyped up about the prize, it?s time to re-think.

2. How Long Does It Run?

Next, determine the duration of the contest. Some run for a month, some run for three. The disadvantages of running a contest longer than a month is that participants? attention will falter and soon, your contest may be forgotten. A shorter duration may be a good bet sometimes. Again, this depends on how confident you are of your prize and how much attention you?ll expect it?ll garner.

3. Brainstorm For Ideas

Now that you have the prize and duration settled, think about how to present your contest. What type are you looking at? Now?s a good time to brainstorm and decide how simple or complicated you want it to be. Do

you want your participants to write a slogan? Do you want your participants to hunt for some information on your website? Again, as the organiser, it?s your call. Based on our experience, give something in between ? not too complex to stump them and drive them off, nor something too easy that insults their intelligence.

4. Design The Contest

Finally, it is time to put the contest to work by designing the necessary web pages and forms (if applicable). How do you want the participants to send their entries in? By email? Or do you need them to fill up a form on your website? Before your contest goes live online, get family members or friends to test out the contest and weed out problems, if any.

Another important tip is to also include a page which sets out the rules and regulations of the contest (you don?t want disgruntled participants, do you?). Be sure you tell them when the contest results will be posted online at your website. Most contest organisers will post contest results on their website as well as send an email to the winners, informing them.

5. Promote It Everywhere

Once the contest is ready, it is time to promote the contest to everyone you know. Naturally, the first place to do so would be on your website. Next, promote it on other websites, on newsgroups, wherever you can stick the contest announcement.

Don?t think only in terms of online promotion. You?d be surprised that offline promotion works too.

At the same time, don?t leave out your existing customers either. Send them an email announcing the contest. Tell them to send or refer the contest to friends and families, especially since you know they?ve bought from you and they know your products well (that is, if you are offering your own product).

The key to any successful online contest is to keep promoting it, even until the deadline itself.

Now that you know how to run a contest, go on, get one organised! It takes some work and needs some creative thinking but it?s fun and helps you promote your business in the most innovative way!

Nic Sim is the owner and founder of ? a web design firm dedicated to helping solo professionals and small businesses go online affordably and successfully with its easy to use, no-fuss Redbox DIY Website. Read his business blog for tips and lots more. Go to for more details.

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Monday, February 20, 2012

Greek to declare bankruptcy as eurozone finance ministers split on ...

Posted on 19 February 2012 with 2 comments from readers

The meeting of eurozone finance ministers rescheduled for Monday is split over agreeing terms for a second Greek bailout and it seems unlikely that ministers will be able to agree the final settlement that markets are expecting.

Has the Greek can now been kicked so far down the road that it has reached the end? Any debtor will eventually throw in the towel if repayment is impossible and debts are spiralling higher.

No dice

A so-called ?secret? report from the European Commission, ECB and IMF has concluded that even if Greece makes good on its promises, and it has never done so to date, it will be impossible to bring total debt down to 120 per cent of GDP by 2020.

Officials are arguing that in these circumstances it makes sense for Greece to declare a national bankruptcy and begin negotiations for even bigger losses for its creditors. However, that is not usually how bankruptcy works: creditors normally lose everything or get minimal payouts after debts are wound up.

Could there be a Chapter 11 process for Greece? For a country that seems unable to agree or deliver on anything related to its finances this seems impractical to put it mildly.

The German cabinet is apparently split on Greece with the financial ministry not in favour of another bailout, and Austria and Finland are said to be implacably opposed. Monday really is the deadline as it will take at least a month to organize the deal in time to cover a bond payment on March 20th.

March 20th

If ever a credit event was more flagged in advance it is March 20th. Wall Street banks are known to be preparing for a credit event on that day.

What is becoming readily apparent to insiders is that Greece is a lose-lose situation. If a deal is done it is not only costly but doomed to failure and markets need to recalibrate for a future failure. If a deal is not done then financial markets face a very rough time.

In short the Greek crisis contagion cannot be avoided whatever the politicians decide and however much taxpayers money they decide to waste propping up Greece and the financial markets again. But agreement looks elusive and avoiding blame is more the aim of this game.


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Sunday, February 19, 2012

Video: Romney faces home state challenge

CNBC's John Harwood says Rick Santorum may clinch the nomination if Mitt Romney loses the Michigan primary.

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What are some creative ways to travel jewelry? | Business Travel ...

What are some creative ways to travel jewelry?


by href = ?>

Question by Maggie : What are some creative ways to travel jewelry
I leave the rest for two days and I do not have the time to buy a roll or a jewelry box jewelry travel. Any ideas to create one of the things around the house? I have some craft skills, but not a sewing machine or anything like that. I need a room for a couple of necklaces, bracelets and earrings, and a few to avoid tangling. Best Answer:
Answer by

I use my ring necklace adjustable wrench, it puts the hanger.

What do you think? Answer it!

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Saturday, February 18, 2012

The Ticking Time Bomb-Student Loans That Can Not Be Repaid ...

FRESNO, Calif. (KFSN) ? Student debt could become the next big bubble to burst. That?s according to a new report by the National Association of Consumer Bankruptcy Attorneys.

When Angel Rodriquez signed up for student loans to finance his education at UCLA, he expected to graduate with a degree from a prestigious university, live on his own and land a great job with a great salary. He said, ?I expected to find an occupation in geographic information systems which would have been a nice state cushy job.?

Instead, he?s under-employed, living with his parents and struggling to pay off more than $100 thousand in debt.

If this were a plot to rob these future professionals with lifetime enslavement to debt it almost worked. The only problem is there is no jobs for them upon graduation. Many are taking jobs to survive but those jobs do not pay enough to make payments on $100,000+ in debt. These students can do math, they have graduated college, yet our lawmakers are tabling and losing in committee limbo any legislation that would provide sensible relief.

If these loans go the default route the hit to the financial sector will further weaken our economy. There is a solution that would benefit everyone. Discharge the debts on grounds that those with these debts work in the public sector. We need educated police officers for example. We need to develop alternate energy platforms. Educators, doctors, nurses? all fields in need of a boost and increase in available staff.

For those counting this will be my 300th post using the OWS tag.

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Can I Use An FHA Loan To Buy A Conventional House? | Rock-n ...


Q: Can I use an FHA loan to buy a conventional sale house?
? cdubz, Grand Rapids, MI

A: Yes you can?
Lee Dworshak is a Realtor? with Keller Williams LA Harbor Realty in Rancho Palos Verdes, CA.

A: Yes, you can if the home meets FHA qualifications and you qualify as well.
Adam Aguilar is a Realtor? with Reliantra in West Toluca Lake, CA.

A: You can use an FHA loan to purchase any home that is FHA approved. It does not have to be a bankowned foreclosure. There are some condominium complexes in California that are not approved for FHA financing but I do not think that single family houses apply. Good luck!
Dominic Naidoo is a Realtor? with Westside Properties in Pacific Palisades, CA.

A:A: Absolutely. Your second best friend in a real estate transaction (second to your agent who will be #1) will be a GREAT lender. Since loans and locations and constantly changing regulations effect each transaction, I strongly urge you to ask for recommendations until you find THE lender who will take care of YOU, and get specifics on all your options.
Ginny Ollis is a Realtor? with Coldwell Banker Residential Brokerage ? San Diego Mission Hills in San Diego, CA.

Are you interested in having a qualified REALTOR answer your questions? Click through to Ask a REALTOR? now.

Are you a REALTOR who would like to answer consumer questions? Click through to become an Ask a REALTOR? participant.


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Friday, February 17, 2012

Calming Dietary supplements Regarding Horses ? Treating the ...

Strain will be the human body?s method of demonstrating uneasiness due to specific incidents. Mounts have become sensitive it yourself fence Relaxing nutritional supplements pertaining to race horses are available to handle this kind of psychological issue. Mounts are inclined to anxiety and nerve-racking activities will never be lacking as not mindful on them. A straightforward alter of dwelling may anxiety the moose. Unfamiliarity dog breeds fear within equines. Maybe race horses have evolved from getting combat robust for you to getting more than sensitive even going to adjustments to surroundings.

By far the most appropriate example would be to mention the particular likeness between youngsters and race horses in this connection. How do you like to be a school trainer the afternoon after Halloween night? Precisely what the majority of moose entrepreneurs don?t realize is that they are generally adding to the situation through giving processed, sugars and straightforward carbs rss feeds. This combined with deficiency of ?work? leaves the particular horse?s system frustrated.

One more anxiety elements occurs when the moose becomes famished. Typical giving moment ought to be noticed. Not enough nourishment will certainly anxiety the moose. Throughout initial experience relating to the coach and also the moose exactly where connection remains to be lacking, race horses are generally stressed. Mounts are generally highly distrustful pets. Unaccustomed pets are generally susceptible to anxiety and also the same thing goes for untrained race horses. Their particular inability to answer specific instructions is often a reason for anxiety. There are lots of some other reasons the reason why race horses feel stressed. It?s our business because moose entrepreneurs, coaches and moose jockeys to understand this stuff and also to stop these kinds of through taking place.

Medicines and medicines are intended for the particular race horses to set all of them in their proper mind-set whenever demonstrating overly stressed actions. But sedative drugs and anti- depressants at some point carry out more damage than good. And which is not organic medications and drugs may over time build a threshold inside the moose and also the performance from the treatment should come for you to simply no naught. Organic mount nutritional supplements would be a better option. These types of nutritional supplements will work on the cells and restore their sea salt stage to generate a more balanced emotional mindset. Homeopathic remedies, soothing herbal products, whichever remedy in store may possibly succeed when the source from the anxiety will be completely rooted out and about. Toxic compounds within foodstuff and dependable sharing could also lead to moose anxiety.

Never uproot the moose looking at the normal environ without organizing all of them properly. Give food to the particular moose frequently without don?t have any appropriate nourishment. Give the moose satisfactory range moment. Provide vitamins and minerals along with a balanced diet plan. The exact quantity of elements ought to be viewed. A lot more seafood supper or even peanut elements will not be good want . large protein diet plan may not established nicely with all the moose. I have listed basic summations. Your veterinarian could have more to express with this. Talk about concerning soothing nutritional supplements pertaining to race horses.


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Prostacet Evaluation Could it be a great Prostate gland Nutritional ...

By Kitty on February 16th, 2012.
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