Can Twitter?s Self-Serve Ad Product Meet Rosy Expectations To Drive Revenues To $400M By 2013?

As Twitter CEO Dick Costolo told the media a few weeks ago, advertising is a key strategy for the company. ?Our advertising method is the only one we need to be a big business,? he said at the time. And Twitter has rolled out a number of new products including Promoted Tweets. But according to a new eMarketer report, Twitter's ad revenue is expected to be lower this year, and will grow significantly over the next few years once the platform's self-serve ad product rolls out. eMarketer estimates global ad revenues at Twitter will grow 210% to $139.5 million in 2011, up from just $45 million in 2010, in the company?s first full year of selling advertising. For background, eMarketer forms its estimates for advertising spending on Twitter through an analysis of estimates of consumer usage, marketer usage, ad pricing, and impressions on Twitter, as well as revenue estimates from research firms and other sources.

Source: http://feedproxy.google.com/~r/Techcrunch/~3/AzFtMsDD8Ek/

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A Cheap Travel Insurance Policy | grupoagm.com

There are many travel insurance companies online that offer cheap travel policies. You need to know exactly what kind of insurance coverage they offer before assuming that a cheap policy will include backpacker?s insurance, medical coverage of 1 million, trip cancellation coverage and many other options of the more expensive travel insurance policies. Usually, a cheap travel insurance policy is what is also called flight insurance with an additional feature of baggage protection. With a cheap travel insurance policy, you will be covered if you get hurt while getting on a plane or if you should die while being transported. You might also be covered if you get bumped off your flight against your will and have to pay for food and lodging. Your coverage with a cheap travel insurance policy is limited to the restrictions listed on your policy. Always read the policy before buying and know what it is you are buying. Many credit card companies offer travel insurance when you use their card to purchase a vacation package. These optional services come at a fee and also have restrictions. Just because you have purchased an insurance policy called travel insurance doesn?t mean that you have purchased what is required for travel in countries that restrict visitors to those who show proof that they are financially covered in case of an emergency illness, accident or death. You need to know what is in your insurance policy, what the limitations are and even how to collect. Leaving a copy of your insurance policy at home with someone is also very important. You might be carrying proof of your travel insurance with you, but, if your beneficiaries need to collect, you should have a copy of your insurance with someone who can use it to collect. Travelling out of your country is a very serious undertaking and has become even more financially entangled with the changing world of political and social conditions. Your freedom abroad might be dependent on your proof of financial stability and responsibility. Your travel insurance policy is proof of your travel as a responsible person who understands the demands of another country and their interests in protecting their own citizens while allowing travelers access to their country and to their people. We are very fortunate in having travel insurance companies who have expanded their products to allow us to meet the demands of a changing world and to enjoy our passion for adventure and for travel. Finding travel insurance online has never been easier. Getting an additional policy from your own insurance agent is also simple. What is required is careful planning and taking responsibility to act like an adult by providing for one?s own emergency needs while travelling abroad. If you have plans on travelling abroad and are concerned about visa requirements, your passport has information that you can use as well as your local courthouse. Never leave your country of residence without first becoming informed about the possible situations that you might face once you leave your country?s borders by plane, boat, car or bus. Take a look here for more travel info.

This entry was posted by admin on September 29, 2011 at 6:57 am under Insurance. Tagged take a look here. Both comments and pings are currently closed.

Source: http://www.grupoagm.com/a-cheap-travel-insurance-policy-981446.html

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Credit Card Debt Relief ? The simplest way to be worthwhile your ...

Credit Card Debt Relief ? Credit cards will likely most likely be donning widely reputable name through the entire gathering villages fat reduction european country. Given that potential consumers fully feel them an ideal replacing the exact now there funds. Expectation typically it shoppers really feel many other safety and security to access mountain climbing tools attached to finances. These types of aesthetical limitations usually are being suitably-known day-in order to-day caused by user-friendly coupled with highly regarded approach. Any type of Americans at the moment take on the habit related with tobacco use relying on each of these a card come to feel elements with regards to your boyfriend or girlfriend to get rid maded by the quality. Completely every one of these occasions secure credit card debt solutions products and solutions is among the most alluring awesome problems subsequently whatever. This is because mainly you not have any recommendation because of the residence interest charges instead of right now there credit card failures and as well every time they have already virtually any explicit ides in regards to one of these annual percentage rate they begin to wear?tonne comprehend figure out how to comprehend like insurance costs.

Credit card debt relief is probably not incredible ground breaking topic area life-style relatively pupils with the drug free sector. Just in case, maybe any sort of prospects choice to being credit card debt relief when compared to below the layer immediately break the use most typically associated with homemade cards or maybe they can cut down a great deal. This is definitely acceptable in addition there coating statement in preference to a credit card carry on pleasurable each breakfast. Buying using outline they have to go over additionally certainly there all-round neb multitude. Hired browse each of the overhead and likewise one-year commission deals beyond just the stopped financial debt within the three plan.

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Source: http://www.articleadventure.com/finance-2/credit-card-debt-relief-the-simplest-way-to-be-worthwhile-your-financial-troubles/

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Grove Children's Preschool hosting Parent Education Workshop ...

District 58?s Grove Children?s Preschool program is offering a new Parent Education Workshop series this school year.

Each workshop will include time for coffee and conversation with other Grove Children?s Preschool parents, as well as a short presentation. Topics will be decided based on parents? areas of interest as indicated on a survey sent home by the preschool.

?We will also try to incorporate professionals in the community to come and speak about different topics, as well,? said Parent Program Facilitator Sandra Biddenstadt.

The first workshop, held Sept. 26 at Indian Trail School, featured a presentation on the benefits of routines, schedules and visuals for all children to follow. Each family had the opportunity to make picture schedules to bring home and begin using right away with their child. Schedule topics available included morning and evening routines and daily activities.

Parent workshops are scheduled for the following Mondays during the 2011-12 school year; all will take place from 9 to 10 a.m. unless otherwise announced:

October 17, 2011 at Henry Puffer
November 21, 2011 at Indian Trail
January 23, 2012 at Henry Puffer
February 13, 2012 at Indian Trail
March 12, 2012 at Henry Puffer
April 16, 2012 at Indian Trail
May 7, 2012 at Henry Puffer

Childcare is provided for children ages 2 to 6 years. All families are welcome to attend workshops at both schools regardless of their child?s program location.

District 58?s Grove Children?s Preschool is a blended program, meaning that tuition students, students identified as having special education needs, and at-risk students are taught in the same classroom. The goal of the Grove Children?s Preschool program is to meet the developmental and individual needs of all children in a safe, inclusive, and nurturing environment, while promoting educational success through engaging and collaborative learning experiences.

Preschool classes take place at Indian Trail School and Henry Puffer School. For more information about the program, visit our Grove Children?s Preschool page, www.dg58.org/preschool, or contact preschool coordinator, James Swade, at (630) 968-0454.

For a list of this year?s free preschool screenings in District 58, visit www.dg58.org/preschool_screening.

Source: http://triblocal.com/downers-grove/community/stories/2011/09/grove-children%E2%80%99s-preschool-hosting-parent-education-workshop-series/

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Directory Canyon ? Blog Archive ? Can You Really End Up Getting ...

September 26, 2011

Posted by: admin ?: ?Category: Money Making

Immediately after submitting chapter 7 going bankrupt it?s mostly very tough to improve your own fico scores to suitable amounts that allows you to get the financial products which you will want. But, this does not imply the activity of acquiring a loan in the course of the period of ten years, till the consumer bankruptcy is pulled from your debt listing, will be undoable. The competitiveness about the money market nowadays is undoubtedly quite huge and additionally, considering the fact that lots of individuals have been in the predicament of submitting personal bankruptcy stemming from the financial disaster, you?ve got every chance for receiving a personal cash loan if you treat it properly.

The most important thing that you must learn tends to be that finance companies commonly do not provide loans to citizens where the personal bankruptcy is not actually dismissed currently. In the aftermath of the personal bankruptcy is dropped, you?ll need to get the actual lawyer?s reports which will attest it before you start trying to get finance. Concurrently, it is usually a thoughtful decision to tie down your personal credit with the help of collateral, simply because this doesn?t only boost the chances of receiving it but it shall also decrease your monthly interest percentage.

In advance of when making a request, it is advisable to assess your finances and then determine exactly how much it is possible to pay out month-to-month. This step can be fundamental purely because if you fail to handle the installment payments will most likely restrict your individual credit ranking even more, more or less nullifying any probability of finding an unprotected loan in the foreseeable future. Folks have routinely found it of great benefit to select month-to-month interest rates that?re just a bit underneath the regular monthly quotes, in order to be absolutely sure they?ll make the monthly payment promptly.

An additional way you possibly can amplify your own odds of getting finance and in addition cutting down the interest you are going to repay for it can be to habitually settle your charges in good time. You can ask the water, electrical energy, cable television along with world wide web distributors to ensure that you have a written form that displays the fact that you normally generated your repayments in good time. As long as the loan service appreciates that you?re decided on starting to be reliable so you have definitely learned from your very own mistakes, you?ve an improved chance of receiving first rate costs upon a lending product.

Then again, given the fact that you have also been part of money concerns before, take a short time and contemplate if you really have to have the loan you are going to sign up for. In the event you are not unquestionably positive that you will end up able to make your installment payments, it is usually a good suggestion to ask a relative or maybe a buddy to lend you the actual cash you require.

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Source: http://www.directorycanyon.com/?p=18607

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'L-Word' star kisses girl, gets escorted off plane (AP)

A lesbian actress who starred in "The L-Word" said she kissed a girl ? and got escorted off of a Southwest Airlines flight on Monday for doing it.

Leisha Hailey took to Twitter to call for a boycott of the carrier after a flight attendant told them other passengers had complained after witnessing the affection.

Her first tweet said: ""I have been discriminated against." She later added, "Since when is showing affection to someone you love illegal?"

Southwest responded on its website that Hailey was approached "based solely on behavior and not gender." The airline's four-sentence response said passengers were characterizing the behavior as excessive.

A discussion followed on the flight, and the airline said it "escalated to a level that was better resolved on the ground."

Hailey was a musician before joining the cast of the Showtime drama featuring the lives of lesbian friends and lovers living in Los Angeles. She played the character Alice Pieszecki.

The actress and her unidentified girlfriend were on a flight from Baltimore to St. Louis. The kissing occurred in the air and a discussion followed when the plane landed.

Hailey said the encounter between the couple and a flight attendant was recorded.

A message seeking comment from Halley's spokeswoman Libby Coffey was not immediately returned.

The Southwest website says it is the official airline of the Gay & Lesbian Alliance Against Defamation. Richard Ferraro, a spokesman for GLAAD, did not immediately return a call seeking comment.

Earlier this month, the airline kicked off Green Day's lead man Billie Joe Armstrong for wearing his pants too low. The Grammy winner was escorted off a plane after failing to follow a flight attendant's directive to pull the pants up.

Southwest also removed director Kevin Smith from a flight last year because he didn't fit properly in a single seat. His first tweet read, "Dear (at)SouthwestAir I know I'm fat, but was (the) captain (.) really justified in throwing me off a flight for which I was already seated?"

Halley is preparing to launch a 21-city tour to promote breast cancer awareness.

Source: http://us.rd.yahoo.com/dailynews/rss/entertainment/*http%3A//news.yahoo.com/s/ap/20110927/ap_en_ot/us_lesbian_kiss_airline

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Top Pakistan army commanders meet after US claims

Pakistani protesters burn representations of US and Indian flags at an anti-American rally in Multan, Pakistan on Friday, Sept 23, 2011. Pakistan lashed out at the U.S. for accusing the country's most powerful intelligence agency of supporting extremist attacks against American targets in Afghanistan _ the most serious allegations against Islamabad since the beginning of the Afghan war. (AP Photo/Khalid Tanveer)

Pakistani protesters burn representations of US and Indian flags at an anti-American rally in Multan, Pakistan on Friday, Sept 23, 2011. Pakistan lashed out at the U.S. for accusing the country's most powerful intelligence agency of supporting extremist attacks against American targets in Afghanistan _ the most serious allegations against Islamabad since the beginning of the Afghan war. (AP Photo/Khalid Tanveer)

ISLAMABAD (AP) ? Pakistan's army chief will convene a special meeting of senior commanders Sunday following U.S. allegations that the military's spy agency helped militants attack American targets in Afghanistan, the army said.

Senior Pakistani officials have lashed out against the allegations of support for the Haqqani militant network, accusing the U.S. of trying to make Pakistan a scapegoat for its troubled war in Afghanistan. The public spat has plunged the troubled U.S.-Pakistan alliance to new lows.

Pakistan's leaders have shown no indication that they plan to act on renewed American demands to attack the Haqqani network in their main base in Pakistan, even at the risk of further conflict with Washington, which has given the country billions of dollars in military and economic aid.

The top U.S. military officer, Adm. Mike Mullen, chairman of the Joint Chiefs of Staff, accused Pakistan's Inter-Services Intelligence agency Thursday of supporting Haqqani insurgents in planning and executing a 22-hour assault on the U.S. Embassy in Afghanistan on Sept. 13 and a truck bomb that wounded 77 American soldiers days earlier.

Kayani, widely considered the most powerful man in Pakistan, has dismissed the allegations, saying the charges were baseless and part of a public "blame game" detrimental to peace in Afghanistan.

Pakistani Prime Minister Yousuf Raza Gilani also slapped down the accusations in a statement issued late Saturday.

"We strongly reject assertions of complicity with the Haqqanis or of proxy war," said Gilani in a written statement. "The allegations betray a confusion and policy disarray within the U.S. establishment on the way forward in Afghanistan.

Pakistan claimed to have severed its ties with Afghan militants after the 9/11 attacks and supported America's campaign in Afghanistan, but U.S. officials have long suspected it maintained links. Mullen's comments were the most serious yet accusing Pakistan of militant ties, although he didn't cite any specific evidence.

U.S. Defense Secretary Leon Panetta has implied that American forces could even carry out unilateral raids inside Pakistan against the Haqqani network, operations that could have explosive implications in Pakistan where anti-American sentiment is widespread.

Pakistani Foreign Minister Hina Rabbani Khar warned the U.S. on Saturday against sending American troops into Pakistan, saying there are red lines and rules of engagement that should not be broken.

"It opens all kinds of doors and all kinds of options," she told Pakistan's private Aaj News TV from New York. The comment was in response to a question about the possibility of U.S. troops coming to Pakistan.

Despite the seriousness of the U.S. claims, which appear to accuse Pakistan of state-sponsored terrorism, Mullen, like other U.S. officials, has said Washington needs to keep engaging with Islamabad, a reflection of its limited options in dealing with the nuclear-armed state.

Around half of the U.S. war supplies to Afghanistan are trucked over Pakistani soil, and even as it accuses Islamabad of complicity with Afghan insurgents, Washington knows that it will likely need Islamabad's cooperation in bringing them to the negotiating table.

Gilani also called for greater cooperation.

"Let's avoid mutual recrimination and recommit ourselves to working together for eliminating terrorism and for reconciliation and peace in Afghanistan," he said.

____

Associated Press writer Chris Brummitt contributed to this report.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/cae69a7523db45408eeb2b3a98c0c9c5/Article_2011-09-25-AS-Pakistan/id-7d60cd3f90124c63a8eb161e43292b5f

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Autom lady-bot will help you lose weight, love you regardless

Aw, this little cutie is so adorable -- until she denies you pizza and cheese fries. Autom, the 15-inch talking droid we first caught a glimpse of last year, is back and available for pre-order. Using the LCD touch screen, hungry dieters are prompted to enter daily calorie consumption and exercise habits -- to which the robot will respond kindly to keep you motivated. With face-tracking capabilities and a killingly sweet death stare, Autom is always watching, which might just make you feel guilty enough to skip the dip. The lady bot costs $195 for the deposit, $668.46 for the device and another $79.95 monthly, though early birds can get 6 months free and ten percent off the monthly charge for ordering on the company's website. Slated to ship in 2012, apparently aiding the impending robot apocalypse doesn't come cheap. Check out little Autom in action after the break.

Continue reading Autom lady-bot will help you lose weight, love you regardless

Autom lady-bot will help you lose weight, love you regardless originally appeared on Engadget on Sun, 25 Sep 2011 12:07:00 EDT. Please see our terms for use of feeds.

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democracybroadcastingnews.com ? Blog Archive ? 5 Tips To ...

5 Tips To Successful Joint Ventures

When businesses think of team building, business owners usually associate it with building their companys internal workforce right into a lean-mean fighting machine. Team development, however, should be extended to include external relationships such as those with other businesses. Enter joint ventures or JVs for short.

Joint ventures generally are business partnerships established between two or more parties (individuals, business groups, companies, corporations) for that purposes of expanding the company and achieving merits by joining forces and working as a team. The parties involved with joint venture agreements complement one another, leverage each others assets assets, compensate each others weaknesses, and also at times equally share risks.

Less than 5% of businesses actually use joint ventures effectively and many dont even use it at all. In order to get the most out of joint ventures correctly, multiple factors such as choosing who to partner with, approaching potential partners correctly, negotiating a win-win deal for all parties involved, and having a well-coordinated execution have to be taken into consideration.

There are several types of joint ventures. Big companies may get together to become even more powerful and therefore dominate the market, while small companies may team up to build a stronger presence in their market niche in order to fend off bigger, resource-rich companies. JVs can also be used to gain access into foreign markets. Foreign companies often form joint ventures with indigenous companies that are already present on the market, but lack capital or financing to genuinely take advantage of the market potential. Foreign companies may bring money, new technologies and competitive strategies into a joint venture deal, while benefiting from the relationships and also the brand of the domestic company.

These complementary partnerships benefit all the businesses involved if setup correctly with the right partner. Heres a strong but simple example of a JV that many businesses can take benefit of to grow their small business fast. It is a highly efficient method of increasing business profits by teaming track of another partner whose business is non-competitive and offers a highly valuable asset, a very responsive client list that would be interested in your products or services. By tapping into this hidden goldmine, smaller businesses can save thousands of dollars in marketing expense to achieve their target clientele while experienceing this goal of boosting tha harsh truth. The business offering the vehicle in which to reach these clientele, the client list, benefits from offering complementary products and services that it does not sell and makes a cut of the sales generated from marketing to this list.

Here are 5 tips for joint venture success:

- Choose your partners carefully. Some pot venture has greater chance of being successful if partners have an excellent reputation. An essential component to good team building is having the right partners. They ought to be trustworthy and have a high level of integrity.

Joint ventures involve extensive team building effort because it is a relationship between two parties and if the relationship is to last, it must be nurtured and kept going. Both sides must be able to trust one another and deliver on each others promises. To find the right partner, perform solid market research and approach only businesses you would like to do business with long term. If you wish to form a partnership having a certain company, ensure that its business practices are in-line with yours. It might be very difficult for you to form a trusted team with people who lack motivation or professionalism, so you should look for well-trained, open-minded potential partners.

- Understand what to expect from the beginning of any JV relationship. Know from the start what your goals are, what you want to accomplish, and see in case your goals are attuned with the partner. Each company should come up with a marketing plan and clearly specify what is expected from their potential partners.

Plan your strategy ahead of time and make sure you cover all the legal aspects stipulated in your joint venture contract, like resource availability and management, special allocations, mutual gains, deductions and income issues. Keep to the business development plan and establish new priorities and goals as you progress. By efficiently managing resources and by maintaining a good, competitive business policy, you?ll secure the longevity and the success of your business.

- Draft proposals like mini-sales letters. Compose an expert proposal letter explaining the advantages of the joint venture inside a convincing way. Keep it short, clear, concise and coherent while briefly introducing your company and why they ought to do business with you. Remember to tune in to the radio station your prospective JV partner learns, WIIFM or Whats In It For me personally.

If you want to propose some pot venture to anyone you have to give them a really good reason they should do it. Otherwise, they?ll most likely decline your proposal. Big, successful companies receive many joint venture offers so you need to stand out. You should educate them about the advantages and the benefits of choosing you over the others. If the partner happens to be a dream partner, stay persistent as persistence demonstrates sincerity and determination to really make it work for the potential JV partner.

- Avoid shooting excessive with your offers. If you?re a smaller business, don?t target your offer to a large company first as it will most likely be thrown away. Instead of aiming excessive at this point, establish successful joint ventures with small companies in order to get noticed by the bigger, powerful ones. Begin a reputation as a solid business proprietor who knows how to turn joint ventures into gold for their partners. Businesses naturally gravitate towards successful businesses. Make sure to toot your own horn by announcing JVs through press releases and/or articles in trade magazines. As your business expands, the competition will quickly become aware of your presence, and there is a chance that powerful companies might develop proposals of joining forces with your company.

- Be honest and open with all of business transactions always. After you have negotiated the details from the joint venture, the actual work begins. In order to keep things going, a lot of trust, understanding and expertise are needed for ongoing team building on both sides. Maintain a wide open dialogue and always address issues upfront before it becomes a bigger problem that threatens to interrupt up the partnership.

These would be the basic rules for joint ventures which is ultimately up to you to determine whether a deal will be successful. Learn with each partnership deal to improve on the next deal. Deals can only be made if you go after them. With lots of effort, youll develop enough expertise to become a joint venture expert and take your business to the next level.

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Source: http://www.democracybroadcastingnews.com/?p=10666

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21 Auto Repair GA | Only Cars

Posted by onlycars on Sunday, September 25, 2011 ? Leave a Comment?

If you want the talents of a effective Auto Company then browse no more, 21 Auto Repair will definitely cover almost all your wants and needs, their skills is well known all over Rincon. In truth a great deal of their sales extend around GA
21 Auto Repair will be available and are located in Rincon GA

Their particular most important Organization address is definitely 308 S Columbia Ave Rincon, GA 31326.

If you?re needing to get to this Company it is possible to call them throughout standard organization daylight hours at (912) 826-6260.

Business Name: 21 Auto Repair

Location: 308 S Columbia Ave Rincon, GA 31326

Phone: (912) 826-6260

About: 21 Auto Repair &

Company Name: 21 Auto Repair Location: 308 S Columbia Ave Rincon, GA 31326 Telephone: (912) 826-6260 About: 21 Auto Repair &

Also make sure to take a look at their site from: http://www.napaautocare.com

Source: http://www.only-cars.com/21-auto-repair-ga/

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Bring the beauty and memories to your ... - Garden Furniture Factory

22 Sep

In summer, families and friends are proud to have spent some time in the outdoors. In most cases, the ultimate playground of the garden, where children and adults can enjoy their time together. And in the humid nights, it would still share stories and memories in the yard. Those wonderful moments together are the best with comfortable furniture and durable outdoors.

appreciated

If your garden is one of the most visited in your home for family gatherings and relaxation, it?s worth, she sits down with garden furniture such as chairs of various patio , to create chairs and a swing to the atmosphere and to provide.

A piece of furniture that has become the favorite of all is now the swing outside. Wooden swing to be exactly a whole new atmosphere in which to gather the whole family and can just relax. It is a specific furniture, where a family member like to spend some time after the long day?s work would be in school or play practice. It takes the stress and worries of the day for quiet and relaxing evening. choosing the right swing wooden outdoor for the whole family, your possibilities are endless. There are many different styles to choose from, and do not know what to look for can be overwhelming. First, you select the right choice for a wooden swing instead of other materials. They are by far the most adorable material for the construction of all types of outdoor furniture. You have an option if you want to see as natural as possible, or painted your favorite color. The cost for a wooden swing can vary widely in their quality and durability. Teak swing can be very expensive because it can last for generations. Cypress and cedar are also good materials and less expensive but very durable. But if you have a tighter budget can be your next choice jaw. They are also very durable and beautiful. However, to pine, stained and sealed every year to prevent deterioration. If you are in the Adirondack style, you can also buy a similar swing. When it comes to life, beauty and style, takes a swing wooden outdoor most of the benefit. wooden swings are effortlessly beautiful as it provides a pleasant and relaxing feeling to your garden or terrace. They are the ultimate in outdoor furniture to create wonderful memories shared with your loved ones.

Related posts:

1. Why older people love the wood, swings
2. Swings Wood interesting
3. Swinging with wooden swings for relaxing Great Backyard
4. Adirondack Chairs and Wood Porch Swings for a Perfect Getaway in Your Backyard
5. Enhance your outdoor area with swings wood
6. Find solace in the backyard garden benches and swings
7. sweet moments with your family in the wood Porch Swings
8. Wood Porch Swings, life is beautiful
9. The presence of magical wood Porch Swings
10. Wood Porch Swings in many varieties

Source: http://www.gardenfurniturefactory.com/bring-the-beauty-and-memories-to-your-backyard-with-swings-wood/

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guillermo - Business Overcoming Business Loan and Commercial ...

posted by Philip Harman on September 20, 2011

Overcoming Business Loan and Commercial Mortgage Finance Problems

One of the most difficult business loan scenarios occurs when a commercial borrower is rejected for either a commercial mortgage or commercial loan. There are five specific reasons that account for a healthy majority of business finance rejections. These common business financing application problems are particularly applicable to commercial real estate investment property financing.

Commercial borrowers are likely to be confused when their commercial loan application is turned down and will probably be unsure as to why it happened and what to do next. For each of the five major reasons that a bank might decline a commercial mortgage, a practical strategy is provided for converting the declined commercial real estate loan into an approved business loan.

Two reasons (tax returns and business plan requirements) could impact virtually all businesses. Many business loan officers will begin their business loan and commercial mortgage review process by stating ?We will need to see at least three years of tax returns? and ?Can you show me your business plan?? before proceeding.

Commercial projects are frequently too unique for traditional commercial banks. In these situations (even if a commercial borrower has favorable tax returns and an adequate business plan), it is not unusual for the business owner to be declined for a commercial mortgage loan by a traditional commercial lender.

The reasons described do not involve unusual issues. It is likely that two or more of the reasons will be applicable for many commercial loan situations.

Commercial Mortgage Rejections: (1) Special Purpose Commercial Real Estate -

Reason Number One for commercial mortgage rejections: The bank does not generally make business loans for the type of business involved or imposes special requirements that make the commercial loan impractical for the commercial borrower. For example, fewer banks are making commercial mortgage loans for restaurants.

In a similar fashion, an auto service business is often given expensive and unnecessary environmental stipulations. There are many special purpose commercial properties such as golf courses, campgrounds, churches, funeral homes and gas stations that most traditional lenders have eliminated from their commercial lending program.

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Strategy Number One for converting the disapproved business loan into an approved commercial mortgage loan: For most business owners, there are reasonable commercial loan options beyond traditional commercial lenders.

There are action-oriented non-traditional commercial lenders that will offer commercial mortgage loans for most special purpose commercial property situations. The best business loan could be available only from a non-traditional lender when a traditional lender won?t provide the necessary commercial real estate loan.

Business Loan Disapprovals: (2) Tax Returns Required -

Reason Number Two for business loan rejections: A loan underwriter finds an issue on tax returns that disqualifies a business borrower under the bank?s lending standards. This ?issue? will often be inadequate net income, but when commercial loan underwriters analyze income tax returns, there can be a wide variety of other possibilities which produce the same disapproval.

Strategy Number Two for converting the rejected commercial real estate loan into an approved business loan: Commercial borrowers will never have this reason to worry about if they have applied for a ?Stated Income? commercial mortgage loan. Very few traditional lenders use a Stated Income process (no income verification, no tax returns, no IRS Form 4506) for a commercial loan.

Borrowers should search for commercial lenders using Stated Income commercial mortgage loans. Unfortunately, this suggested solution will not work for all commercial loans because of a normal maximum loan amount of about -3 million for a Stated Income business loan.

Commercial Loan Rejections: (3) Cash Out Limitations -

Reason Number Three for commercial mortgage loan and business loan disapprovals: When a business attempts to refinance their commercial property loan and wants to get significant cash out, it is normal for a traditional bank to restrict what the funds are used for and to severely limit the amount of cash received. Even though the bank is willing to make the commercial loan, if they won?t provide the cash required by the commercial borrower, this is similar to rejecting the loan.

Strategy Number Three for converting the declined commercial mortgage into an approved commercial real estate loan: As mentioned above, there are other commercial lending options available. The commercial borrower?s mission (and it is not impossible at all) is to use a commercial real estate lender that will allow them to get much larger amounts of cash out of a commercial refinancing without restrictions on what they do with it.

Commercial Real Estate Investment Property Loan Disapprovals: (4) Cross Collateral Requirements -

Reason Number Four for commercial mortgage loan and business loan disapprovals: The bank will not make a commercial loan without sufficient collateral such as a lien on personal assets.

Strategy Number Four for converting the disapproved business loan into an approved commercial mortgage loan: Business borrowers should seek out commercial lenders that will not ?cross collateralize? assets as a stipulation for getting business financing. This will result in more flexibility for the commercial borrower and preclude unwise (and unnecessary) connections between business and personal assets.

Commercial Real Estate Loan Rejections: (5) Business Plan Requirements -

Reason Number Five for commercial mortgage loan and business loan disapprovals: A bank?s loan officer determines that the business plan does not support the needed commercial loan.

Strategy Number Five for converting the disapproved business loan into an approved commercial mortgage loan: Commercial borrowers should save money and avoid possible delays by working with a lender that does not require a business plan due to these primary advantages:

(A) Reduce commercial loan costs by thousands of dollars. A common range for an average business plan (prepared to typical bank specifications) is ,000 to ,000.

(B) Shorten the business financing closing period. Business plan preparation is likely to take 1-2 months or more.

(C) If the lender does not require a business plan, there is one less item standing between the commercial borrower and their approved commercial loan.

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Tags: Business | Commercial | Finance | Loan | Mortgage | Overcoming | Problems

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Lectins and Their Harmful Effects on the Body | Suite101.com

Many Beans, Especially Kidney Beans, Are High in Lectins - he-boden

Mood disorders, joint pain, and obesity-related illnesses are on the rise. Could a protein that is commonly found in our foods be the culprit?

What Are Lectins?

Lectins are proteins found in most plants and animals. They are found in higher concentrations in certain plants, like the nightshade varieties (e.g., potatoes, peppers, tomatoes), wheat, and beans (1).

Lectins are a plant's defense system against predators, namely animals and humans. They tend to have a toxic effect, and may be resistant to heat and digestive enzymes. Lectins bind to cells in the intestines, remove the mucous lining and shorten the villi. Villi are small, hairlike projections in the small intestine that play an important role in digestion. As a result, the body's ability to absorb nutrients is interrupted and healthy bacteria are destroyed.

Toxins, including lectins, may leak through this damaged intestinal lining, and travel to the bloodstream and other organs. This condition, often referred to as "leaky gut", is associated with many illnesses from acne to AIDS.

Mood Disorders

Irritable Bowel Syndrome (IBS) is a condition that can be the result of a leaky gut. People with IBS may have a variety of symptoms, including bloating, abdominal pain, constipation, and diarrhea. It has often been associated with mood disorders, such as anxiety, depression, and chronic fatigue syndrome. The mucous lining of the gut is regulated mainly by the vagus nerve, and is connected with areas of the brain that control mood. Healing of the gut lining with the use of probiotics has been shown to improve such conditions.

Rheumatoid Arthritis

Inflammation of the gut usually results in inflammation of the joints. Lectins interact with certain cells and give toxic substances opportunity to travel to other parts of the body, including the joints. To those who are genetically susceptible, this may result in rheumatoid arthritis (RA). A common food trigger for RA sufferers is wheat, with is high in lectins.

Obesity and Metabolic Diseases

Certain diseases have increased dramatically since the introduction of agriculture. These are commonly referred to as diseases of civilization. Communities that did not adopt agricultural diets (i.e., hunter-gatherers), are rarely, if ever, stricken with these illnesses. High-lectin foods, such as wheat and beans, are main ingredients of an agricultural diet.

Leptin is a hormone that signals the brain to stop eating and also manages fat cells. It has been suggested that lectin consumption may lead to leptin resistance. When someone is leptin resistant the brain fails to send a message to the brain that the body is full, which results in overeating.

How Do We Avoid the Damaging Effects of Lectin?

Lectins are present in almost everything we eat, no matter what sort of diet we choose. There are ways of limiting their harmful effects:

• Allow some variety in your diet. In lab experiments with mice, a varied diet caused less intestinal injury than one that included only high-lectin meals (2).
• Abstain from foods that are high in lectins, like wheat and soy.
• Cook, ferment, or sprout. Although lectins may be heat-resistant, they can be reduced through cooking. Sourdough has been shown to inhibit lectin activity, illustrating the helpful nature of probiotics in fermentation.
• Keep your gut strong by supplementing with healthy bacteria. Probiotic supplements or fermented vegetables will help alleviate damage and fight toxins.

Disclaimer: The information contained in this article is for educational purposes only; it should not be used for diagnosis or to guide treatment without the opinion of a health professional. Any reader who is concerned about his/her health should contact a licensed medical professional.

Sources:

1. Nachbar, M., et al. "Lectins in the US Diet: A Survey of Lectins in Commonly Consumed Foods and a Review of the Literature" American Journal of Clinical Nutrition (1980): 1-8.
2. Pusztai, A., et al. "Novel Dietary Strategy for Overcoming the Antinutritional Effects of Soyabean Whey of High Aggluten Content." Central Food Research Institute (1996): 933-937.

Copyright Elizabeth Davis. Contact the author to obtain permission for republication.

Elizabeth Davis -

Liz is mom to a toddler, an avid researcher of issues related to food and diet, and experienced in nutrition and supplementation.

Source: http://elizabeth-davis.suite101.com/lectins-and-their-harmful-effects-on-the-body-a389920

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Tonga Earthquake 2011: Magnitude-6.2 Quake Hits Tonga

NEW YORK -- A magnitude-6.2 earthquake rattled the island nation of Tonga in the South Pacific on Friday, the U.S. Geological Survey reported. There were no immediate reports of damage or injuries.

The 12:07 p.m. Friday (2307 GMT Thursday) quake was 8.6 kilometers (5.3 miles) below the surface, the USGS said.

The USGS said the quake was some 382 kilometers (238 miles) northwest of Neiafu,Tonga.

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Source: http://www.huffingtonpost.com/2011/09/22/tonga-earthquake-2011-mag_n_977101.html

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Mattias Wallander: What Not to Wear! (Huffington post)

Share With Friends: | | Politics - Top Stories Stories, RSS and RSS Feed via Feedzilla.

Source: http://news.feedzilla.com/en_us/stories/politics/top-stories/138578531?client_source=feed&format=rss

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Join the Engadget HD Podcast live on Ustream at 5:30PM

It's Monday, and we're still here to help by letting you peek into the recording booth when the Engadget HD podcast goes to mp3 at 5:30PM. We're back at our regular time, so take a peek at the live stream, chat and list of topics after the break.

Continue reading Join the Engadget HD Podcast live on Ustream at 5:30PM

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The History of Leisure and Recreation - SPORTS

Blog by Wordpress | Free Theme Provided by shopping bags wordpress themes and Sponsored by M11-S3421 toshiba.

Source: http://www.mikesjerseys.com/the-history-of-leisure-and-recreation

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Health and Fitness ? Solar Power Collecting: Environmentalists ...

Alternative energy is continuing to become popular among a lot of people due to the fact that the cost of using it has gone down. A good example is the solar panel, which is nowadays on many houses and businesses. The photovoltaic cells that are used for solar panels have become more inexpensive and more efficient to utilize. Because of advancement in technology, these solar cells can capture solar energy in a smaller area. The cells have become more productive, since they have become smaller and less expensive to produce. In the last twenty years, the cost per watt to create solar energy has been cut down by half.

For environmentalists, the best thing about solar-powered energy production is that it emits absolutely no pollution. For some people, the best thing about solar power is the amount of money that can be saved on their electric and heating bill. Because virtually all people are more interested in saving moneyhow much money they can save than the environment, it has taken the lowering of costs to get them to use solar power. Also installing these solar batteries on your rooftop is no longer very difficult to do, which also helped in the rapid growth.

To create hot water using solar cells, the water is heated while it is inside the cells, and then sent through your pipes. The photovoltaic cells have become efficient enough to store energy on sunless days. There is a company named Uni-Solar that produced solar collection arrays that work during stormy weather. This technology is advanced where more energy can be stored during sunny days to compensate for days when sunlight is limited. There is another popular solar energy system called PV. The PV System allows a home to share its excess energy to the electrical grid in a residential area. As a result, there is less dependency on major electrical plants and lower electric costs for the home.

The benefits of the PV System are taking pressure off of the grid system, along with reducing pollution, and decreasing your costs as well. There is a growing trend in a lot of towns and suburbs where they are putting their own centralized solar collection arrays. An indication that solar power is becoming a desirable alternative energy choice is that several well0known companies are getting into solar energy. Google?s headquarters is planning on installing a 1.6 megawatt solar power plant on its roof, and even Wal Mart has plans of installing its own system that is 100 megawatt.

Governments are assisting the solar energy cause, with nations, including Germany, Japan, Switzerland and the United States, offering subsidies and tax benefits to individuals or business organizations for creating electrical power with solar power. Investors will continue to see the value of investing in eco-friendly technology, as technological advances continue to increase solar collection materials. As this occurs, the cost will keep on decreasing, benefiting the local owner.

About the Author

I really like swimming, rummikub, singing and also collecting coins.

Illuminate Your Driveway With , Kee

Article source: http://goarticles.com/article/Solar-Power-Collecting-Environmentalists-Employ-It-As-An-Alternative-Power-Source/5361520/

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Source: http://medicaltips.biz/2011/09/18/solar-power-collecting-environmentalists-employ-it-as-an-alternative-power-source/

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Bogleheads :: View topic - Will vs Trust

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kyounge1956 Joined: 31 May 2010 Posts: 305
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Spiral Joined: 27 Apr 2011 Posts: 27	Posted: Wed Sep 14, 2011 11:38 am?? ?Post subject: Some people like to avoid probate for privacy reasons, since it is public record, and for efficiency. Everything not titled to beneficiaries and is under your 'will' goes to the probate estate (jewelry, table, chairs), unless your still married. In probate a judge performs the distribution of your assets per your will, which requires an attorney, and their fees i think are set by statute and vary state by state (some states it is a % of value of estate, I think). Usually not a problem if all the beneficiaries agree to distributions. It is also very useful if your are not distributing your assets equally and your heirs challenge your 'will' or don't get along or have disagreements, probate can drag on and things can get messy. So, I would use a living trust with a pour-over will if I was making unequal distributions and/or if my children or other heirs did not get along. Also, if I wanted my assets out of the public record. I am not a lawyer, so take this with a grain of salt....
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Honobob Joined: 26 Sep 2009 Posts: 391	Posted: Wed Sep 14, 2011 1:04 pm?? ?Post subject: A simple trust with a pour over will should not cost a fortune. A living trust will mostly keep you out of probate which can be very important. Because my fathers wife had a will her idiot children were able to tie my father up in their quest for money utilizing the probate courts idiot judges and lawyers. Amazing how someone on welfare can get an attorney to work for free if he thinks there is money in the estate for him. A trust also helps if you become incapacitated where a will won't. _________________ It's slowly dawned on me that we won the real estate lottery!
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investor Joined: 19 Feb 2007 Posts: 353	Posted: Wed Sep 14, 2011 1:05 pm?? ?Post subject: expat wrote: Steelersfan wrote: The "high costs of probate" argument is highly over rated. For the most part, you can pay the legal fees to set up, maintain and distribute a living trust, or pay the legal fees to create a will and later probate the estate. For normal size estates, there won't be enough dollar difference to make a determination one way or the other. +1 ++1
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dm200 Joined: 26 Feb 2007 Posts: 4407 Location: Washington DC area Born 1946	Posted: Wed Sep 14, 2011 1:08 pm?? ?Post subject: expat wrote: Steelersfan wrote: The "high costs of probate" argument is highly over rated. For the most part, you can pay the legal fees to set up, maintain and distribute a living trust, or pay the legal fees to create a will and later probate the estate. For normal size estates, there won't be enough dollar difference to make a determination one way or the other. +1 I agree. The peddlars of one-size-fits-all, expensive trusts "oversell" cost of probate. Probate does not have to cost a lot, especially if the executor will do some of thesork and bring in an attorney onlyfor the tasks needed AND pay by task and not by percentage. While there are other benefits of a trust to hold assets while living (incapacity), the thing to do, IMO, is find an attorney who is objective about the pros and cons of wills, trusts, etc.
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dm200 Joined: 26 Feb 2007 Posts: 4407 Location: Washington DC area Born 1946
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joeldfw Joined: 05 Jul 2011 Posts: 8	Posted: Wed Sep 14, 2011 3:15 pm?? ?Post subject: Honobob wrote: A simple trust with a pour over will should not cost a fortune. A living trust will mostly keep you out of probate which can be very important....A trust also helps if you become incapacitated where a will won't. +1: a revocable living trust is something most can set up on their own and is very easy to modify: it usually doesn't require the formalities that a will might require in a given jurisdiction. After the trust is set up, you fund it with your property. Some jurisdictions may make it harder to have a car and/or house to be in a trust (could tie it up if you try to do something with it), so that's where it could get more involved. But trusts will usually specify the order of succession for the trustees if incapacitation/death occurs. Durable power of attorney can do a lot that trust can for the incapacitated but its power extinguishes when the principal's life does (unlike the trust) and they can get stale (one might have to reauthorize every so often). There can also be issues about making a 3d party honor the POA, too. As said above, have a pour over provision in the will so that the residue goes into the trust upon your death and you're set.
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harrylime Joined: 24 May 2009 Posts: 29 Location: Vienna	Posted: Thu Sep 15, 2011 8:03 am?? ?Post subject: Spiral wrote: In probate a judge performs the distribution of your assets per your will, which requires an attorney, and their fees i think are set by statute and vary state by state (some states it is a % of value of estate, I think). Actually, in most states, the goal of the probate court is to admit the will as valid, get the administrator appointed, and then stay out of the way unless some interested party brings an issue before the court. The probate judge is not going to distribute assets. Very few states require an attorney, although an administrator retaining one on an hourly basis is probably a good idea. Very few states specify estate attorney compensation. In most states, the statutes only provide that it be reasonable. And, despite what attorneys in the few states that specify compensation statutorily (and some attorneys in "reasonable compensation" states) would have you believe, the administrator and the attorney representing him/her can always come to an alternative agreement on compensation.
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kyounge1956 Joined: 31 May 2010 Posts: 305	Posted: Thu Sep 15, 2011 11:22 am?? ?Post subject: letsgobobby wrote: kyounge1956, have you never been married? There are some ERISA regulations about ex-spouses on 401ks, etc. As to probate, it really depends on your jurisdiction. In some cases it can be very expensive; in some cases not at all. In some cases it is based on the size of your estate; in some cases a flat fee. Just need to know what the rules are where you live (or more precisely, where you plan to live when you die). I'm a spinster. Never been married and don't expect I ever will be. I live in Washington state and plan to stay here. I got two books out of the library last night?Nolo's Guide to Estate Planning Basics and a book specifically for Washington state. I have another on hold, In Case Your Pet Outlives You. I don't have any children, but I do have cats and probably always will have at least one unless forced by ill health to move into someplace where they're not allowed. My estate will probably not be large. Almost all of my assets ares in retirement accounts with designated beneficiaries, which will not become part of my estate. Other than the money, I have a house (not completely paid for), a car, small bank account and assorted personal property. When I retire (aiming at mid-2013) I plan to sell this house and move to a less-expensive part of the state, so I will own the house free & clear, but other than that my estate will be the same as now. I don't think it will ever be large enough that I need to consider estate taxes.
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kyounge1956 Joined: 31 May 2010 Posts: 305	Posted: Thu Sep 15, 2011 11:35 am?? ?Post subject: Steelersfan wrote: For your situation, a well drafted will, done in consultation with an attorney, would be just the ticket. The "high costs of probate" argument is highly over rated. For the most part, you can pay the legal fees to set up, maintain and distribute a living trust, or pay the legal fees to create a will and later probate the estate. For normal size estates, there won't be enough dollar difference to make a determination one way or the other. I asked this same question on another forum, and one of the people who replied there pointed out that it can make a big difference to your heirs, with a trust being a lot easier for them than taking an estate through probate. That has me leaning toward a trust. Unless I pre-decease my parents, which is unlikely, my heirs are at least two states away, and lots of them are on the east coast.
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sscritic Joined: 06 Sep 2007 Posts: 7929	Posted: Thu Sep 15, 2011 11:55 am?? ?Post subject: kyounge1956 wrote: My estate will probably not be large. Almost all of my assets ares in retirement accounts with designated beneficiaries, which will not become part of my estate. Don't confuse your estate with what will be probated. Insurance proceeds from a contract you own pass outside probate, but the dollar value is part of your estate. The same is true of retirement assets in general. Quote: What is included in the Estate? The Gross Estate of the decedent consists of an accounting of everything you own or have certain interests in at the date of death (Refer to Form 706 (PDF)). The fair market value of these items is used, not necessarily what you paid for them or what their values were when you acquired them. The total of all of these items is your "Gross Estate." The includible property may consist of cash and securities, real estate, insurance, trusts, annuities, business interests and other assets. Keep in mind that the Gross Estate will likely include non-probate as well as probate property. http://www.irs.gov/businesses/....43,00.html _________________ The opinions expressed here are those of the author and do not necessarily reflect the positions of Alex Frakt, Larry Auton, and bogleheads.org
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cdwood Joined: 31 May 2007 Posts: 117	Posted: Thu Sep 15, 2011 8:48 pm?? ?Post subject: CABob wrote: Quote: I asked this same question on another forum, and one of the people who replied there pointed out that it can make a big difference to your heirs, with a trust being a lot easier for them than taking an estate through probate. I'm not sure this is true. It might be faster with a trust since the courts wouldn't be involved, but, I'm not sure it would be easier. Perhaps someone more knowledgeable could respond. I've been waiting for someone who has received assets via a revocable living trust to weigh in with comments. No one has, so I will. My two brothers and I received our parents assets (seven figures) via a revocable living trust in 2002 (Mom died last) and the process could not have been faster or easier. We never darkened a courthouse door. Except for shelling out $75 to an attorney for a duplicatable "memorandum of trust," we didn't even incur attorney expense. (The memorandum of trust was demanded by mutual fund custodians to prove that we three brothers were indeed the successor trustees named in the trust.) My wife and I are in our 60's and have set up an RLT so our adult children can receive their inheritance as seamlessly as we received the inheritance from my parents. One of my brothers has followed suit with DW's and my example. The youngest brother has not. If my divorced youngest brother (who is an insulin-dependent diabetic who drinks and smokes), dies before I do and I have to handle his estate via probate because he never bothered to set up a trust, I'm going to be ticked. Every probate-related check I write will be money that could have gone to his daughter (or other designated grantee.) C. Wood
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sscritic Joined: 06 Sep 2007 Posts: 7929	Posted: Thu Sep 15, 2011 10:42 pm?? ?Post subject: Steelersfan wrote: The relevant question to those who have set up a recoverable trust is how much cost was there to set it up and maintain it for the years that it was in force. I have only had mine for 4 years, but I don't know of any maintenance costs. Once I had my account at Vanguard transferred from one in my name to one in the name of the trust, I have had nothing to do. They don't charge extra for buying and selling within the trust account, and they don't ask for any extra paperwork. The phone and internet both work. If you call in an order, they ask your name and address and SSN, but not the date your trust was established. Well, I guess they do ask which account you want to buy in, so you can either give them the account number or a name, so I guess you might mention the name of the trust if you don't like repeating long number sequences. The same is true of my checking accounts, CDs, and other accounts at various banks. I file my taxes using my own social security number, and the IRS never asks for any extra paperwork because I have a trust; I doubt they even know about it. Perhaps they do, because Vanguard sends them information using my SSN on various 1099s. On the other hand, I expect they submit the information to the IRS electronically, and I don't know what fields are populated (Does the IRS care what your name is, as long as they have your SSN?). Now it would cost me if I were to change the terms of the trust, but then it would also cost me to change the terms of a will. What sort of maintenance are you thinking of? _________________ The opinions expressed here are those of the author and do not necessarily reflect the positions of Alex Frakt, Larry Auton, and bogleheads.org
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kyounge1956 Joined: 31 May 2010 Posts: 305	Posted: Fri Sep 16, 2011 12:16 am?? ?Post subject: kyounge1956 wrote: Steelersfan wrote: For your situation, a well drafted will, done in consultation with an attorney, would be just the ticket. The "high costs of probate" argument is highly over rated. For the most part, you can pay the legal fees to set up, maintain and distribute a living trust, or pay the legal fees to create a will and later probate the estate. For normal size estates, there won't be enough dollar difference to make a determination one way or the other. I asked this same question on another forum, and one of the people who replied there pointed out that it can make a big difference to your heirs, with a trust being a lot easier for them than taking an estate through probate. That has me leaning toward a trust. Unless I pre-decease my parents, which is unlikely, my heirs are at least two states away, and lots of them are on the east coast. The remarks were based on his personal experience of both processes. His parents had a living trust, while his father in law's estate went through probate. Reading his post again this was probably a much larger estate than mine, which may have contributed to the difficulties, and probably wasn't the same state. But just the fact that the executor had to appear personally, which I think is also true in WA, is a point against probate in my case.
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