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Source: http://www.facebook.com/TenSports/posts/10151368128685491
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Monday, December 31, 2012
How much is an iphone 4s with insurance?
About iPhone 4s
The iPhone 4S was revealed on October 4, 2011 and went on sale October 14, 2011 for all three major US carriers. It's priced at $199, $299, and $399 on a 2-year contract for 16GB, 32GB, or 64GB respectively.
More about iPhone 4s ?
Source: http://www.chacha.com/question/how-much-is-an-iphone-4s-with-insurance
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A traveling pastor brings together the Columbia Chinese Christian Church. http:/...
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Source: http://www.facebook.com/ColumbiaMissourian/posts/316636331780741
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Sunday, December 30, 2012
Former President Bush moved out of intensive care
FILE - In this Sept. 21, 2006 file photo, former President George H.W. Bush delivers the keynote speech before receiving an honorary Doctor of Public Administration degree at Suffolk University in Boston. A spokesman says Bush's condition continues to improve and that he was moved Saturday, Dec. 29, 2012, out of intensive care and into a regular hospital room. (AP Photo/Elise Amendola, Pool, File)
FILE - In this Sept. 21, 2006 file photo, former President George H.W. Bush delivers the keynote speech before receiving an honorary Doctor of Public Administration degree at Suffolk University in Boston. A spokesman says Bush's condition continues to improve and that he was moved Saturday, Dec. 29, 2012, out of intensive care and into a regular hospital room. (AP Photo/Elise Amendola, Pool, File)
HOUSTON (AP) ? Former President George H.W. Bush's condition continued to improve Saturday, prompting doctors to move him out of intensive care, a spokesman said.
"President Bush's condition has improved, so he has been moved today from the intensive care unit to a regular patient room at The Methodist Hospital to continue his recovery," family spokesman Jim McGrath said Saturday. "The Bushes thank everyone for their prayers and good wishes."
Bush was hospitalized Nov. 23 for treatment of a bronchitis-related cough. He was moved to intensive care at the Houston hospital on Dec. 23 after he developed a fever.
On Friday, McGrath said Bush had improved since arriving in the ICU. He said he was alert and in good spirits and was even doing some singing.
McGrath said Saturday morning that future updates on Bush's condition would be made as warranted.
Bush, the 41st president, is the country's oldest living former president by a few months.
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NBA - Miami s'incline chez les Bucks, Atlanta se rapproche
Le champion en titre Miami a encha?n? une deuxi?me d?faite samedi ? Milwaukee (104-85), alors que les Atlanta Hawks, face ? Indiana, ont remport? leur quatri?me succ?s de suite (109-100).
Le Miami Heat, qui enregistrait le retour de Dwyane Wade apr?s sa suspension d'un match, occupe toujours la premi?re place de la Conf?rence Est, mais voit Atlanta revenir.
Wade et LeBron James, auteurs de 24 et 26 points, n'ont rien pu faire samedi face aux 25 points de Brandon Jennings, aux 19 du S?n?galais Luc Mbah a Moute, et aux 18 de Mike Dunleavy.
De leur c?t?, les Hawks ont r?ussi la passe de quatre, aux d?pens des Pacers et reviennent ? une victoire de Miami.
Les Bulls n'ont pas eu ? forcer leur talent avec la r?ception ? Chicago de la plus mauvaise ?quipe de la NBA, Washington (87-77). Les Wizzards ont ainsi perdu leur neuvi?me match sur leurs dix derni?res sorties.
Toronto a r?alis? le carton de la soir?e face ? Orlando (123-88). Apr?s un d?but de saison calamiteux, les Raptors, 11e de l'Est, sont en forme avec cette septi?me victoire sur les huit derniers matches.
A l'Ouest, Portland est repass? en positif (15 victoires-14 d?faites) gr?ce ? un tr?s bon Nicolas Batum. Le Fran?ais a pass? 22 points (7 rebonds, 8 passes), meilleur marqueur de son ?quipe, pour mener les Trailblazers au succ?s face ? Philadelphie (89-85).
Oklahoma City, 2e de la Conf?rence Ouest, et Memphis, 4e, ont r?ussi leur soir?e. Le premier, finaliste de la saison derni?re, s'est impos? facilement ? Houston (124-94), emmen? par un duo Kevin Durant (26 pts)-Russell Westbrook (28 pts) ?lectrique. James Harden, pourtant auteur de 25 points, n'a rien pu faire face ? son ancienne ?quipe.
Les Grizzlies de Memphis, eux, ont battu les Nuggets de Denver (81-72), pour mettre fin ? une s?rie de deux d?faites cons?cutives.
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Source: http://quebec.huffingtonpost.ca/2012/12/30/nba---miami-sincline-che_n_2383550.html
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Saturday, December 29, 2012
To regift or not to regift: Is it ever OK?
PhotoAlto/Michele Constantini | PhotoAlto Agency RF Collections | Getty Images
Sometimes you just don't want it.
By Herb Weisbaum, TODAY contributor
OK, I?ve done it. And quite frankly, I always feel guilty about regifting.
It?s not that I don?t appreciate the present. But sometimes you get something that you really don?t like or can?t use, and there?s no way to take it back to the store. You don?t want to offend the person who gave it to you and you don?t want to throw it away. So you pass it along to someone else who might appreciate it more.
Is this a resourceful way of dealing with an unwanted gift? Or is this rude and distasteful behavior?
The Wall Street Journal recently reported that regifting, ?once a social taboo, is gradually gaining in acceptance.? The Journal points to a nationwide consumer spending survey done by American Express last year. More than half the respondents (58 percent) said it was OK to regift sometimes and 79 percent believed regifting during the holidays is acceptable. Of the 2,000 people questioned, nearly a quarter admitted to regifting at least one present the previous holiday season.
But there?s more. A new paper, ?The Gift We Keep on Giving,? published by Psychological Science,?concludes that regifting is not as offensive to the original givers as regifters assume.
Researchers from Stanford, Harvard and the London Business School conducted five studies that examined both hypothetical scenarios and actual regifting among friends.
They found that gift recipients believed regifting was as bad as throwing the present in the garbage. Gift givers, on the other hand, were significantly more offended by trashing their presents. They?d be much happier if that gift were given to someone else.
What causes this split perception? ?
It appears to be linked to different views about entitlement. The authors concluded: ?Givers believed that the act of gift giving passed title to the gift on to receivers, so that receivers were free to decide what to do with the gift; in contrast, receivers believed that givers retained some say in how their gifts were used.?
Source: http://lifeinc.today.com/_news/2012/12/28/16193574-to-regift-or-not-to-regift-is-it-ever-ok?lite
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BetterWorldBooks Makes Donating Old Books to Charity So Easy You Don?t Have to Leave the House
BetterWorldBooks isn't a new service by any means, but if you're doing a little decluttering for the new year, the service can help you donate old books and textbooks easily. They even send you a free shipping label to send them away to be resold on their site, where the proceeds go to schools, libraries, and literacy programs.
Donating books isn't difficult, but if you have a ton of them, even libraries may turn you away and ask for only a few at a time. If you'd rather let the donation box come to you, BetterWorldBooks makes it easy to donate your books?just tell them what you have to offer, and the service will pay for you to ship the books to them. If you'd rather get some money back for your books, the service will buy your textbooks from you, too.
The books the site collects go up for sale on their site, and the money goes to fund school libraries, community libraries, and literacy programs around the world. Any books that aren't or can't be sold are donated or recycled. If decluttering is on your agenda and you have a lot of books, donating them doesn't get easier than this. If you'd rather make some money off of your books, we have a guide for that, too.
BetterWorldBooks | via Simply Stated
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Xbox Live outage temporarily disconnecting cloud storage for some users
Microsoft added a cloud storage feature to the Xbox 360 in its fall 2011 dashboard update, but today an outage has taken it offline for the last several hours and counting. As noted by Joystiq, trying to access your cloud saves is resulting in a 0x807b0198 error for many, although other parts of XBL like streaming video services and multiplayer gaming profiles are unaffected. For the moment, we were able to copy/move some of our saves from the cloud cache on our hard drive (Settings --> storage --> cloud storage) to the normal hard drive section, and access them from there. Your mileage may vary, but otherwise you'll just need to keep an eye out the XBL dashboard status page to see when things are back to normal. There's no word yet on when it will be fully restored, but a message there says engineers are working on a fix. We're not missing the old "gamertag recovery" feature the cloud system replaced and upgraded, but any significant outage is certainly enough to make us think about keeping our saves backed up on a memory card in a safe place -- just in case.
Filed under: Gaming
Via: Joystiq
Source: Xbox Live status
Source: http://www.engadget.com/2012/12/28/xbox-live-outage-temporarily-disconnecting-cloud-storage-for-som/
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Friday, December 28, 2012
Antivirus Comparisons ? The Way To Pick Out the Finest Antivirus ...
Posted on December 28, 2012 by dufttuey508 in Technology
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Obama ?optimistic? Senate leaders will reach ?fiscal cliff? deal this weekend
(Reuters/Jonathan Ernst)
Following talks with congressional leaders that yielded no news of ?a "fiscal cliff" agreement, President Barack Obama on Friday evening pressured lawmakers to reach a deal this weekend as the public's patience wears thin.
"America wonders why it is that in this town for some reason they can't get stuff done in an organized timetable, why everything always has to wait for the last minute," Obama said during a statement delivered in the White House briefing room. "The American people are not going to have any patience for a politically self-inflicted wound to our economy, not right now."
The president confirmed that following his Friday afternoon meeting with congressional leaders, Senate Majority Leader Harry Reid and?Senate Minority Leader Mitch McConnell have been tasked to reach an agreement to reduce the deficit and avoid the "fiscal cliff"?automatic spending cuts and tax increases set to go into effect Jan. 1.
But in the absence of a deal, Obama said he will "urge" Reid to "bring to the floor a basic package for an up-or-down vote" that would increase taxes on households earning more than $250,000, extend unemployment insurance and disarm a sequestration?provisions the president has supported.
But Republicans have been rejecting any tax increases, even for the wealthiest earners.
"If members of the House or Senate want to vote 'no,' they can," Obama said of his plan. "But we should let everybody vote. That's the way this is supposed to work."
The president referred to Friday's meeting, which also included House Speaker John Boehner, House Minority Leader Nancy Pelosi, Vice President Joe Biden and Treasury Secretary Tim Geithner, as "good and constructive" and said he remained "modestly optimistic" about Congress' ability to reach a deal.
But he blamed Congress for the 11th-hour holdup.
"The economy is growing, but sustaining that trend is going to require elected officials to do their jobs," Obama said.
No details on the proposals offered Friday were released by the White House or the lawmakers present.
According to a readout from the speaker's office, Boehner began the meeting by reminding those gathered "that the House has already acted to avert the entire fiscal cliff and is awaiting Senate action." Plan options were discussed and the speaker said the House will consider Senate-amended, House-passed legislation.
Following the meeting, McConnell said on the Senate floor that he was "hopeful and optimistic" about a deal.
"We had a good meeting down at the White House. We are engaged in discussions?the majority leader and myself and the White House?in the hopes that we can come forward as early as Sunday and have a recommendation that I can make to my conference and the majority leader can make to his conference," McConnell said. "And so we?ll be working hard to try to see if we can get there in the next 24 hours."
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3 comments - Omona They Didn't - LiveJournal
By Kim Young-Jin
Kim Jung-in (an alias), a public relations officer, knew it would be difficult to raise her one-month-old daughter alone. But determined to try, she ignored family members who pressured her to opt for adoption, just as they had told her to have an abortion.
?I was confident I could get a job and take care of her on my own,? recalled Kim, 36, of the turbulent period four years ago. ?But I needed time to find work and persuade my parents I could do that.?
Time and understanding, she would find, were not on her side.
Kim met her boyfriend while working abroad for a Korean firm. They wanted to marry but her family would not give their blessing without meeting the prospective groom first. After they learned she was pregnant, the man convinced her to quit her job, saying he could support her.
But the man?s business fell through, and with scant resources, he convinced Kim to return to Korea unmarried. Despite promises to follow her, he vanished.
She ended up in Busan with her parents, who shunned her for giving birth out of wedlock ? a common response in Korean society. ?My mother cooked meals for me, but not for my baby,? she recalled. ?My father did not accept me as part of the family. I ran out of places to turn to.?
Choi Hyeong-sook, an unwed mother and activist, plays with her son at a
park in central Seoul, Sunday. / Korea Times photo by Kim Young-jin
Kim may have been alone, but her story is not uncommon in a country where stigmatization and a lack of social services force many women to choose between abortion and adoption. While single mothers have raised their profile in recent years, groups supporting them say that the government must provide them with a safety net and begin to set straight a painful history.
The issue may be set to go under the spotlight as Korea prepares for its first female president, Park Geun-hye, who has promised to improve conditions for women. Support groups say whether Park pays attention to single mothers will be a bellwether of how thoroughly she plans to follow through on this pledge.
As yet, the President-elect?s team has not made specific policies for single mothers and they are not mentioned in its policy book of over 300 pages.
?Right now, they are included in the policies for single parents,? said an official from the policy committee of Park's Saenuri Party, requesting anonymity. ?Once the transition committee is launched, it is possible that the issues of unmarried mothers can be discussed there.?
Entrenched attitudes
Choi Hyeong-sook, an unwed mother and activist, plays with her son at a
park in central Seoul, Sunday.
The path for Kim to keep her child was precarious. In need of work, she jumped when she heard of a job in Seoul. But with her family refusing to babysit, she made what she felt was a necessary gamble, leaving the child in the care of an adoption agency, with the promise that if potential adoptive parents were interested, she would be called.
She soon received a text message from a social worker informing her that an adoption had been finalized. ?I cried a lot that I wanted my baby, but I was told it was impossible. After fighting for three months I got her back.?
According to Statistics Korea, some 2.1 percent of babies were born outside of marriage last year, the lowest rate among member nations of the Organization for Economic Cooperation and Development (OECD) and well below the OECD average of 36.3 percent.
Some 90 percent of Korean babies adopted internationally are from single mothers, seen as representative of the social pressures facing unmarried, pregnant women.
Han Seo Seung-hee, who works with the Korean Unwed Mothers Support Network (KUMSN), believes the attitude stems from deeply ingrained Confucian mores. ?Society thinks they are immoral,? she said. The attitude prevails in spite of concerns over the nation?s aging population. Moreover, social stigma against mothers who have children out of wedlock is underpinned by the specific expression in the Korean language referring to them, ?Mi-hon-mo?, often used a pejorative term.
Lee Jung-hee, a 31-year-old teacher in Gyeonggi Province, said people treated her differently when she decided after breaking up with her boyfriend, the father.
?You can?t tell people at work, or you have to lie to them. It?s like you are a criminal,? she said.
Even at the hospital, where she received care under her insurance program, the doctor ?suddenly turned really cold? when Lee said the father might not be present at birth. Other hospital officials asked why she did not go to a care center for single mothers.
?That?s when I realized, if you become a single mother in this country, it doesn?t matter if you have a family, if you have a good job or education, or who you are. You just become the bottom of society. People treat you like crap,? she said.
Han said on the national census, if a woman reports being unmarried, it neglects to ask whether she has children. Others point out that existing cash support reinforces the separation of families and institutional help rather than empowering women to raise their children alone.
According to numbers compiled by Truth and Reconciliation for the Adoption Community of Korea (TRACK), the government provides around 1 million won for each child in a family group home facility or an orphanage; and 250,000 won for every child in foster care. Korean families who adopt are supported with a 100,000 stipend. But single parents, including unwed and divorced parent receive 50,000 per month.
Lee, the teacher, didn?t want to be institutionalized in a group home.
?If you stay in such a place for a year, or two, or three, how do you ever start over again? Someone like me ? a professional ? if I get a little support from the government, I can get back on my feet and I am willing to work,? she said.
The monthly support for single parents falls well short of considering unexpected circumstances, Lee learned. Soon after birth, her son was diagnosed with Hirschsprung's disease, a disorder of the abdomen that required surgery.
Through support from KUMSN, she has been able to hire a babysitter, but her son?s frequent illness poses a problem for her work schedule.
Kim Jung-in, the public relations worker, said stigmatization does not stop with the mother. ?Most families don?t want to have get-togethers with single mothers and their children,? she said.
Reconciling the past, looking ahead
Jane Jeong Trenka, head of TRACK, said the high percentage of international adoptees that comes from unwed mothers binds the two groups together.
International adoptions from Korea picked up pace during the country?s rapid industrialization under the military dictatorship of Park Chung-hee, the late father of President-elect Park. Many such adoptees return to Korea to learn about the country or search for their birth parents.
Some scholars suggest that like other exports of human resources during that era, babies, especially those born out of wedlock, may have been seen as a tidy source of profit.
?The unwed mothers and their children are woven inextricably into the history of Korea's development,? said Trenka, an adoptee.
She said the stories of the families of adoptees reveal a ?complete lack of a social safety net and of course patriarchal practices which include intense discrimination by the society and the government against single mothers and their children.?
In recent years, grassroots awareness campaigns have helped bring the issue to light. Last year, the National Assembly passed an amendment to the Single Parent Law that by 2015 will ban adoption agencies from owning facilities for unwed mothers, which activists say will reduce the influence of the agencies in the women?s decision-making process.
Groups such as KUMSN say now is the time for the government to devise policies to shore up services.
The advocates say efforts must go beyond Park?s promise to increase cash support from 50,000 won to 150,000 won and bolster housing for single parents.
Activist Han said the government can start by collecting accurate statistics on unwed mothers, because it is believed many women do not report their status. KUMSN urges the incoming administration to consider diversifying housing options, tightening regulations over adoption practices, and providing better education for pregnant, unwed women on their options.
The government should mobilize a public awareness campaign to educate society on unwed women, the group says.
Lee, the mother, says the reasons women like her and their children should be treated as normal members of society are simple.
?I pay taxes, first of all. And then every child has the right to be happy,? she said.
?I gave birth to a kid, and he is going to grow up and work for this country. We can raise these kids and make them happy. People need to be open minded, not just for me, but for the children.?
Source: The Korea Times
Interesting read. ?
Source: http://omonatheydidnt.livejournal.com/10329433.html
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Thursday, December 27, 2012
Residents return home after NY fatal shooting
WEBSTER, N.Y. (AP) ? Residents of a suburban Rochester, N.Y., neighborhood gutted by a fire set by a man who gunned down four volunteer firefighters have been allowed to return to their homes.
Local media outlets report that authorities began letting homeowners return to their properties in Webster on Tuesday, a day after 62-year-old William Spengler shot four firefighters, killing two, after setting the pre-dawn blaze that destroyed seven homes along Lake Ontario and damaged two others.
Some of Spengler's neighbors described how they were awoken early Monday morning by gunfire nearby, followed by the arrival of police SWAT team members who used an armored vehicle to evacuate more than 30 residents.
Police say Spengler's body later was found near his home. Authorities say the ex-convict died of a self-inflicted gunshot wound.
Source: http://news.yahoo.com/residents-return-home-ny-fatal-shooting-114832484.html
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Video: Chairs: Squawk Takes a Stand
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Source: http://video.msnbc.msn.com/cnbc/50302833/
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Mysterious ASUS P1801-T visits the FCC, might be the finished Transformer AiO
The FCC sometimes gets a peek at hardware and reveals nothing but a model number to hint at what's passed through its labyrinth. The latest filing leaving us scratching our heads is for the ASUS P1801-T, a "tablet" which could be the final version of the Transformer AiO prototype we saw back at Computex. How did we arrive at the AiO? Well, the model number is a possible clue -- ASUS' Eee Slate B121 has a 12.1-inch panel, so P1801-T may point to this device having 18 inches of screen. As ASUS' dual-OS prototype all-in-one is the only (sort of) tablet we've seen with roughly that many inches, we assume the company is getting paperwork done before a proper launch at CES 2013. A "P1801" running Android 4.1.1 has also popped up at GLBenchmark, with Tegra 3 graphics and thus a Cortex-A9 CPU inside by default. If ASUS is keeping two OS's as per the AiO prototype, that processor caters for only one Microsoft product -- Windows RT. We'll just be kept wondering until we hear something official, but at least for us, an 18-inch Android / RT super-tablet and part-time desktop sounds like it could be a hard sell.
Filed under: Desktops, Tablets, ASUS
Source: FCC, GLBenchmark
Source: http://feeds.engadget.com/~r/weblogsinc/engadget/~3/m9Uv3xFtB5c/
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Wednesday, December 26, 2012
DC hotels less busy for Obama's 2nd inauguration (The Arizona Republic)
There Are Now 1,000 Members Listing Their Homes Through ?Unhotel? Service Onefinestay
If you owned a swanky apartment or house, would you really want to rent it out to strangers? Well, startup onefinestay seems to have found an audience for its upscale twist of the Airbnb model, which it describes as running an "unhotel." The company says there are now more than 1,000 members in London and New York listing their homes exclusively through its service. The service launched in London, but onefinestay says it's growing quickly in New York, where there are now 150 members. The total has apparently quadrupled in the past 12 months ? and back in July, when it raised a $12 million Series B, the company said it had crossed 500 homes.Source: http://feedproxy.google.com/~r/Techcrunch/~3/ZUnXqG1emJQ/
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Tuesday, December 25, 2012
Parents Entertain With Face Painting Long Island Kids Enjoy | The ...
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When searching for people that will be used for face painting Long Island parents will only consider people that get along well with children. Most artists can paint images on canvas but the individuals that parents hope to find must have a true talent for applying art on children. These artful images are applied by professional face painters and the quality of the art work makes it eligible for placement in a New York art gallery.
Children are able to select images from photo books or come up with a design idea of their very own. This form of art is an opportunity for the child to express the type of art work that they like. The location can be the prime target for art work created in school, or a cartoon image that the child has seen only in comic books.
These lavish events will have many forms of amusement for the children to enjoy including houses that bounce, and vendors that dispense food and drinks. Both parents and children can enjoy attending these festive events because of the large number of entertainers that will be present throughout the day.
These events promote family togetherness but also allow children to romp and play for hours with many friends that they have made in the local community. When a professional painting artist is on hand, children can be entertained by the type of art a friend selects, and choose to mimic that art on their own bodies or choose a design that is more descriptive of their inner self.
Parents use agencies to supply the type of entertainment needed for special events. The directories are filled with a large number of actors and artists that perform stunts and provide party goers with other forms of amusement. A search can be conducted by a parent that will identify artists that reside locally.
The parents will hire professional event planners to ensure that the celebration is extra special for the people who are special in their life. Some professionals are needed for parties that will start in a couple of days, and these agencies will have records that will identify entertainers that live locally. Parents can hire an artist that can paint images directly on the skin surface. Some artisans are only able to apply colors to images transferred to the skin using a template or stencil.
Many people that apply body paint to children at these events are willing to provide an extra level of service at times. Extra flourishes of color or art impressions can be added to any portion of the design work. Some children enjoy wearing body paints that cover every exposed piece of skin in that region.
When searching for an artist that excels at face painting Long Island couples are likely to hire artists that live in the local area. Keeping boys and girls entertained throughout the day will require a person that enjoys the work that they do. These artists are willing to place any type of art image on the face of a child and parents can be assured that the image will be tasteful.
Visit www.fun4ufaces.com to find the services for face painting Long Island residents are raving about. For detailed information on our balloon twisting services and our party packages, click the links at http://www.fun4ufaces.com now.
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Deconstructing the JV on a Real Estate Project | Pasha's San Diego ...
The?term Joint Venture (JV) has certain legal implications when used. In reality, when entering into a so called JV, one should replace this with the term ?general partnership? due to its legal treatment. The technical description of a JV is?an undertaking by two or more persons, without a corporate or partnership designation, formed for the purpose of carrying out a single business enterprise for profit.
A JV is a Partnership
Since a JV is treated like a partnership, it is given the same type of liability and tax considerations. Most joint ventures are run through separate entities instead of individuals to limit liability and certain tax consequences, i.e. instead of two individuals entering into a joint venture, two LLC?s would be the parties to the JV.
There are Three Major Characteristics of a JV
The line between a partnership and a JV is narrowly drawn, but simplistically, a JV is a temporary or short-term project where a?partnership?is an on-going business. A JV has similar characteristics to a partnership that a party to a JV should be acutely aware:
- Common interest in a business venture
- Equal right to govern the conduct of the venture
- Sharing of profit and losses
A Writing Is More Important Than You Think
Absent a formal detailed written agreement, the Uniform Partnership Act (UPA) is what governs the terms between the parties?which means that were a court finds a JV exists between the parties, the court will fill in missing terms that the parties have yet to agree. This can be chaotic for the parties if they failed to contemplate some of the basic terms and are not familiar with the UPA. Relying to heavily on the UPA?s default terms takes away some of the advantages of entering in to a JV, such as the flexibility of the structure.
JV?s Do Have Advantages If Done Properly
JV?s are easy to create and can be very flexible for each transaction. In fact, the JV is so easy to create, a mere verbal agreement to the characteristics described above is enough to create a JV because the UPA will usually fill in the rest of the terms. In fact, if done correctly, JV?s can be an effective and still risk conservative tool to manage investments with a short life span as in many real estate investments.
Important Terms in a JV
Here are some common and important terms that should be discussed fully before entering into a JV.
Structure and Parties
As discussed above, JV?s are legally referred to two or more parties (individuals or entities) coming together for a common interest in a business venture; however, it may be that two individuals or entities come together to form an LLC which they may also?colloquially?call a?joint venture. ?A JV agreement should spell out specifically who are the parties and whether you entering into a JV or some other entity with shared ownership.
Purpose or Scope
Probably the most important step in assessing risk is defining and limiting the scope to the JV. The scope o
f the JV will determine the capacity of decision making by the respective parties. If one of the parties has full management control, this scope would limit his or her authority. Furthermore, if the parties have other dealings, the JV should be specific in its scope in order to limit the terms of the agreement to this transaction only unless desired otherwise.
Contribution and Schedule
Contribution can be defined with more than just money contribution but also labor, skill, or other property. This is?especially?applicable with real estate transactions, e.g.a hard money investor and and a contractor going into a project to flip a home. The schedule will also specify when and in what conditions these contributions are to be made. Sometimes there is an initial contribution with additional contribution specified upon certain events or contingencies.
This additional contribution is especially important as this will help contemplate unintended?occurrences?where additional capital, service, or property is needed to make the JV successful. For example, if a rehab has a specific budget but suddenly there is a?catastrophic?repair that is required that was not?contemplated? that additional capital will be needed. Do the parties have to contribute? If they do, do they obtain additional profit?
Effect of Contribution Failure
Contemplating default of a party for failing to contribute is paramount in legal risk management of a JV. This is often overlooked and is the cause of disputes when contributions fail to meet expectations. The failure to provide ?additional? contribution versus ?initial? contribution should likely have different consequences as the latter is likely to have additional risk.
Management and Control
In any project of any sort, deciding who makes decisions and how they are made is essential in avoiding dispute. Usually, each party of a JV has equal management and control, but this is a?recipe?for?disaster. Where there is an odd number of parties with similar levels of expertise and contribution, a voting system usually manages well; but, a single fair and experienced manager comes with the least conflict and risk. Management can also be formalized as in a corporation with equivalent functions to a CEO, CFO, etc.
Even where a system is in place, it may need a variance where certain major decisions are ?made, such as when there is a need for another capital call or the JV needs to be terminated early, etc.
Other Duties and Rights
JV?s allow quite a bit of creativity. In doing so, you will see sections that focus on other specific rights or duties of the respective parties. These may include confidentiality, intellectual property, and other?contingencies?that may be specific to the particular deal, e.g. the parties may choose to set a criteria on approving rehab expenditures above certain budget limits.
Indemnification
Indemnification is another good tool to protect individual parties of the JV who have less control. The party who is in a poor position to prevent certain harms should be indemnified by those that are in the position to prevent harms. Indemnification provides one party to reimburse the other for certain liabilities. Indemnification is generally not granted in situations of gross?negligence, willful or intentional misconduct, criminal misconduct, breach of fiduciary duty, or?fraud. The JV will specify whether indemnification of ordinary negligence?will be permitted.
Apportionment of Profit and Loss
These are terms that are rarely not discussed but can sometimes be oversimplified. For example, parties may decide on percentages but not on how profit is actually calculated or adjusted depending on varying?contingencies.
Legal Title
In a real estate transaction, ?it should be specified who or how the legal title should be distributed. Transferring legal title to a party as trustee for the joint venture is usually most appropriate.
Insurance Requirements
A quick and dirty way to avoid the unlimited liability of ?a JV is to insure the JV and its members are protected under an adequate policy.
Buy-Sell, Dissolution, and Termination
Because JV?s are quick and short term transactions, many times the same kind of thought process of ?what-if?s? are not properly considered. What happens if one of the parties is incapacitated or breaches his or her duty is usually not?contemplated?and is left to the courts to fill in the blank?Again, there is quite a bit of certainty on how a court handles such situations, but the point of a contract is to come to terms before a dispute, not after. Another example is dealing with a party who would like to withdraw or another one that wants to be admitted into the JV.
Records and Accounting
Specifying how records are held helps bringing clarity to the parties to be able to cooperate in the management of the JV, especially when one party is running the venture.
Dispute Resolution
With JV?s put together quickly, sometimes even with proper legal counsel it can be difficult to contemplate upcoming issues and disputes. Additionally, some things may be out of the party?s control. Parties may specify where and how disputes are handled including requiring mediation and/or arbitration instead of leaving it to a court.
?
Source: http://www.pashalaw.com/daily-business-legal-tip/deconstructing-jv-real-estate-project
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Yes, we can fix Social Security (but it won't be pretty)
By Allison Linn, TODAY
The fiscal cliff negotiations are reviving the debate about that other financial elephant in the room: Social Security.
Under current government estimates, Social Security could face funding shortfalls in about two decades if nothing changes. That?s because the U.S. population is aging -- and generally living longer.
That sounds like a disheartening scenario for workers who are currently paying into Social Security and worry that they won?t get as much out of it once they retire. ?About half of the Americans polled by Pew Research Center earlier this year believe it?s not likely there will be enough money in Social Security and Medicare to maintain current benefit levels into the future.
But experts say there are ways to fix Social Security. Politicians just may not like trying to sell those changes to the American people.
It has happened before, though. In the mid-1980s, none other than President Ronald Reagan, working with Democrats in Congress, oversaw a major overhaul of the nation?s retirement safety net.
That?s something many say seems less likely these days.
?There are politicians ? and especially in the Senate but also in the House as well ? who could work together and come to an agreement,? said Alan Auerbach, a professor of law and economics at the University of California, Berkeley. ?But they?re not the majority of Congress.?
Experts say there are two ways to fix Social Security, and neither of them are pretty: reduce benefits or increase revenue.
Reduce benefits
One of the few parts of the fiscal cliff negotiations that President Barack Obama and House Speaker John Boehner seem willing to compromise on involves a change in the way Social Security increases are calculated going forward.?
The proposed switch to calculating cost of living increases using the chained Consumer Price Index instead of the current method would result in smaller annual Social Security raises. That?s because that method assumes that people change their spending habits when prices go up.
Proponents say the switch could save billions and is a more realistic method of how Americans really adjust to rising prices.
But opponents say the chained Consumer Price Index isn?t a good way to measure the needs of older and disabled Americans, because their expenditures are disproportionately focused on things like health care. A family of four may choose to eat more chicken if beef prices go up, but an elderly person can?t easily choose to spend less on heart medicine, they argue.
??It?s the biggest hit on the people that couldn?t take it,? said Dean Baker, an economist with the liberal-leaning Center for Economic and Policy Research who is opposed to the measure.
One of the longer-term options for reducing benefits is to simply tell people they have to wait longer to get their full benefits. By extending the age at which you can get full benefits, proponents argue that Social Security would be keeping up with trends toward longer life expectancies.
But opponents, including CEPR?s Dean Baker, say that a closer look at the data shows that the bulk of improvements in life expectancies have come from wealthier Americans. They say a broad-based increase in the age at which people can get benefits would punish less wealthy Americans, who haven?t seen such big life expectancy gains.
Andrew Biggs, resident scholar with the conservative-leaning American Enterprise Institute, argues that another option would be to dial down benefits for middle- and high-income people while maintaining the current system for the poorest Americans.
Biggs argues that if wealthy people are told to expect less Social Security, they have more leeway to prepare for it than poor people.
?If you cut my Social Security benefits I?m going to react by saving money and working longer,? he said. ?That?s good for the economy.?
Another option would be to reduce the Social Security benefits available to spouses. Some critics argue that?s growing outdated now that more women work and earn their own Social Security payments.
?It?s kind of a relic from a different era,? Baker said.
Increase revenue
Under the current rules, the maximum taxable earnings for Social Security in 2012 is about $110,000. Some argue that an easy fix would be to simply raise the cap on Social Security taxes to include higher wages.?
Baker, of CEPR, proposes raising the cap to around $190,000, reflecting the growing wealth at the top of the income scale. Raise it higher than that, he said, and wealthy earners will just start finding ways to dodge it.
But others say that it?s unlikely politicians will propose raising taxes on high earners?now, when many expect those taxpayers to already see increases as part of the fiscal cliff negotiations.
?The timing of it just seems kind of awkward,? Auerbach said.
Another option would be to add an across-the-board increase in payroll taxes that go toward Social Security. Although that would help solve the system?s future funding woes, experts say it?s also likely to be a hard sell in these tough times.
For one thing, Americans may?already be facing higher payroll taxes?in 2012. For the past two years, Americans have enjoyed a payroll tax holiday that reduced the amount of money they paid toward Social Security, but that could end in the coming year.
?I suspect that?s going to be a not very attractive option right now,? Auerbach said.
Politicians may be nervous about proposing any reform to Social Security that costs more or results in fewer benefits, but Americans seem to accept that some changes are needed.
About 66 percent of those polled by Pew Research Center said they would support raising payroll taxes on high-income earners, while 55 percent said they would support reducing benefits for high-income seniors.
Just 38 percent said they?d support raising the eligibility age.
How confident are you that you'll get Social Security benefits when you retire?
?
?
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Yeehaa, you're a member! - Society for News Design Scandinavia
The editors? column from SNDS Magazine issue 4, 2012.
If you read this, chances are that you are a member of SNDS ? Society for News Design Scandinavia.*
Receiving this magazine four times a year is part of what you get for your membership fee. Another thing is the book with all the winners in the Best of Scandinavian News Design competition ? which, if you didn?t pick it up at the Space seminar in 
Copenhagen, should have been sent to you by now.
But these are just the physical objects ? there are several other valuable advantages to being a member.
The annual seminar is your chance to meet colleagues, get introductions to new clients or find the consultant you just need to finish your project ? or to get inspiration from great speakers from the news design business.
And with SNDS being part of the much larger SND membership actually gives you access to a truely global network, with easy access to contacts in Europe, Saudi-Arabia, the United States, Russia, China, and many more!
The election of members of the SNDS board takes place at the General Assembly at the annual seminar. As a member you are invited to the General Assembly, and if you are a paying par?ticipant at the seminar, you are a member! Now, that?s really smart. Unfortunately not many people actually show up at the general assemblies.
What we?re trying to say is ? the SNDS board members are here for you, just waiting to hear what you expect from the society and what you would like the society to do for you. Would you like to see more events, organized by SNDS? Should we initiate quick courses in Photoshop, or short visits to media houses in your local area? Or something else? You tell us.
Another possibility for you is to show off a bit ? or at least show your work to the world. SNDS Magazine would love to see more contributions from members ? articles, photo reportages, graphic tips and tricks ? anything, really, as long as it?s related to news design or visual journalism. So don?t hesitate to send a quick email if you have stuff you want to share in glossy print ? and/or on the SNDS website.
In this issue
This issue reflects the global view on working with news media. We are very proud to have Petri Salm?n?s tale of his two months of working in the German magazine Stern ? a long way from his usual work at Helsingin Sanomat, both in terms of kilometres and in the working routines of the publication. Read his report on page 16-19.
The Swedish former SND and SNDS President Sven?ke Bostr?m has looked into the recently published results of Poynter Institute?s iPad eyetrack research (p. 20-21); another former SNDS President Ole Munk (DK) reviews the recently redesigned iconographic USA Today ? which has a new look in both print and online (p. 26-28).
Our present President Anders Tapola wonders (in his column on the back page) how news companies will manage to get paid for their journalism in the future ? and we look at the different kinds of paywalls that the newspapers are building for their online content at the moment (p. 4).
The rest of the mag is more or less devoted to winners and workshops. There is exciting news about the rules of the Scandinavian competition (p. 8-9); we have a Norwegian local newspaper, Bygdanytt, which is now the best in Europe (p. 6); and we have been to both Cleveland (p. 22-25) and Copenhagen (p. 10-15) to attend the workshops of SND and SNDS ? and bring you a few photos from the events.
Next year?s SNDS seminar and workshop will again be in Copenhagen, in October. If you have any ideas or suggestions to the program, please send an email to Kristoffer Nilsen, who is the chairman of the program committee. His email is kristoffer@saftogvann.com
We hope you will enjoy this magazine, have a wonderful Christmas and a Happy New Year. See you in 2013!
Lisbeth Tolstrup
& Lars Pryds
Editors, SNDS Magazine
* If you?re not a member of SNDS, contact Lone J?rgensen to sign up! Lone?s contact info is on page 2 ? or on snds.org/member
See also ? full magazine: SNDS Magazine 4, 2012
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Monday, December 24, 2012
LSE trims LCH.Clearnet offer amid capital changes
LONDON (AP) ? London Stock Exchange PLC has reduced the value of its bid to buy up to 60 percent of European clearing house LCH.Clearnet to take into account new capital requirements being imposed by regulators.
The Exchange said Monday that its offer values LCH.Clearnet at a provisional ?15 ($19.83) a share, down from the March offer of around ?20 a share. The overall value of the deal was not disclosed.
It said the reduction was based on the assumption that LCH.Clearnet will have to raise ?300 million in new capital. LCH.Clearnet is currently in discussions with regulators about how much It needs to raise to shore up its capital base.
The offer for LCH.Clearnet, which clears trading deals, including risky derivatives, has been extended to the end of January.
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Sunday, December 23, 2012
Commercial Property: Tricks Of The Trade - Maynas Eric
As a matter of fact, commercial real estate frequently offers more lucrative opportunities than residential real estate. Although, finding a good opportunity can be a bit tricky. Use the following tips to better understand the market so you can find the right investment for you.
You need to be able to spot good deals to be able to make them advantageous to you. Experienced real estate professionals can spot a good deal from a mile away. Similarly, professionals learn how to avoid bad deals and are willing to walk away from a deal when it no longer seems like a good deal. This secret helps them recognize damage that needs repair, they understand how risks are calculated and they are able to use a calculator in order to ensure that their needs are financially met with a particular property.
Be mindful of the fact that all pieces of property have specific lifetimes. A lot of people will completely ignore the fact that they may have to spend big money in maintaining the property. Make sure that you don?t fall into this trap. It may need a more updated electrical system, or a new roof. All buildings go through these kinds of phases; some more than others. Make certain that you have a definite long-term idea of how you will handle these necessities.
TIP! Bugs and rodents are always looking to ruin your property, so factor pest control into your business strategy when renting commercial property. If you are renting a space that has known vermin problems, be sure to find out exactly who is responsible for pest control.
You should always remember that, when dealing with a new lease, one of the things that will effect the success of your investments the most are your rent rates and general strategies. Don?t enter into discussion with a possible renter without knowing your rental rate. In this way, you will be able to attain the targets and the benchmarks you have set for yourself based upon the performance of your investment.
Be aware that not all commercial brokers are alike. Choose the real estate broker who will best help you meet your needs. For example, some brokers represent landlords as well as tenants, while others only work with tenants. You may benefit from using a broker who works exclusively with tenants, due to the singular focus.
Be sure to consider any kinds of environmental problems. For example, if the property you are considering has any hazardous waste material on it, or has in the past, that can cause problems. You are responsible for these problems if they occur on your property, even if you are not directly responsible.
TIP! It is necessary that you have financial statements for yourself and for your business handy if you want to finance a commercial real estate property. The lending institution will think you are not very responsible with your money and they may not lend it to you.
It is important to have a good understanding of your business? requirements prior to searching for a commercial property. Determine what sort of office you will need to run your business. If you want to grow your company, buy a larger space than you think you need. This can save money later.
Property Type
If you are just getting started investing, focus on just one category of investments. Choose one property type you would like to start with and give it your undivided attention. You want to be an ace investor in one property type rather than just OK at many different types.
TIP! Look for people who are eager to make sales. You want to make sure you find the ones that are highly motivated, especially any who are very eager to make money by selling below market value.
If you own commercial properties for rent, you should always attempt to keep them filled. Remember that if you have empty units, you have to take care of them. Maintenance costs on empty units can add up. If you have lost several tenants or can?t seem to attract them in the first place, there must be a reason. It is your job to figure out the problem and correct it.
Advertise commercial property both to local and distant buyers. Many people think that investors who don?t live in their city will have no interest in their property, but this is untrue. There are many investors who are interested in financing properties which are outside their area as long as they are a great deal.
Prior to investing massive sums of money in a property, take a hard look at community income averages, as well as employment rates, and how much hiring and firing nearby businesses are doing. Properties centrally located near universities and hospitals will have a consistently higher value, and it will sell more quickly.
TIP! A good starting point for people looking to purchase real estate is to go online and scour the treasure trove of beneficial information that can help new investors, as well as seasoned professionals. Learning is an ongoing process, and you can never know enough.
If your real estate deal includes inspections (and it always should), make sure to ask to see the credentials of all of the inspectors. Always check the credentials of workers in insect and pest control as many of them aren?t licensed. You want to avoid a future liability that can come after the sale, if the inspection was not correct.
Make sure that you know and understand what ?NOI? (Net Operating Income) is. To succeed, have positive numbers.
Focus on a single commercial property at one time. You should focus on one kind of investment, be it offices, apartments, retail, land or something else. Each kind of investment will requires a full time commitment. You are better off becoming a master of one arena than mediocre with many.
TIP! Before you purchase a property, talk to a tax advisor. A tax adviser will be able to tell you how much the buildings are going to cost you and how much of your income is going to be taxable.
You might need to reconfigure the interior of your property before you can use it properly. It may simply be cosmetic issues that need addressing, such as a fresh coat of paint or some furniture rearrangement. The change could be significant like moving an entire wall to work with a new floor plan. Decide in advice who will be responsible for these things and try to get landlords or previous owners to pay for some of it.
Calm and patience are both sound practices when you are searching for commercial property. Do not rush into investments, or make decisions impulsively. Going too fast could result in a loss that you could have seen coming had you stopped, researched, analyzed, evaluated, and cross-checked the potential with your desired goals. It could take as long as a year to find the right investment in your market.
Commercial Real Estate
TIP! The borrower of a commercial loan is the one that orders the appraisal. The bank won?t accept it as valid.
After reading the article above, you should have a better grasp of the basics of investing in commercial real estate. Remain flexible and alert as you peruse commercial real estate opportunities. You should be able to recognize some golden opportunities that others don?t spot, and make some profitable deals.
Source: http://www.maynaseric.com/commercial-property-tricks-of-the-trade-2
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10 last minute (and free) gift ideas for your dogs and cats | Animals ...
Need a last minute gift for your dog or cat? Sometimes the best gifts don?t need wrapping. Here are a few free things your pets will love for the holidays.
What dogs really want
1. Unwrap a belly rub and watch your dog smile. In fact, see if you can get a ?leg? going. Could become your dog?s most memorable holiday ever.
2. Take them for a holiday walk. They need it. They love it. And they will love you for it. Besides, great smells are in the air (and maybe even on the sidewalk) this time of year.
3. Bake some holiday pet treats. Here are some fun recipes for your dog that can be made from ingredients already in your pantry.
4. Make time for play time. You have been busy wrapping gifts so take a few minutes to give your dog the gift of attention. Run around the yard, throw the ball ? anything to get them (and you) moving and smiling. Watch them play bow.
5. Brush them. Going to the groomers is not the same as being brushed and loved by your favorite person. When everyone is focused on their new techno-gadgets, get on the floor and brush your dog. Guaranteed to make them rollover.
What cats really want
1. Scratch your cat?s head. Cats love to be scratched behind the ears, along the sides of their face, and under their chin. See if you can get a ?purr? going.
2. Scratch your cat on the top of the body, right at the spot where it meets the tail. It often makes a sitting feline stand up and ?take notice.?
3. Give them crumpled gift wrap to bat around. Recycle gift wrap into smooshed balls no bigger than a tennis ball. These impromptu toys can keep felines entertained for seconds ? sometimes minutes if you?re lucky.
4. Leave a large, empty paper bag on the floor. When they crawl inside, gently tap your fingers on the bag. They will engage in an imaginary hunt for the creature outside the bag. It?s awesome holiday fun for your cat.
5. Give them a lap to sleep on. Sit down, but act like you really have something else to do because cats are not generally drawn to people just hanging out. They are drawn to busy people and so will determine how much you love them by how long you let them snooze in your lap.
Simply put, you can?t go wrong with giving your pet love and attention. It?s what every dog and cat really wants this holiday season.
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Finding Mesothelioma cancer Attorneys on the Internet | Traffic Secrets
As more and more people pass away each year from diseases related to exposure to asbestos it becomes necessary for all of them and their family members to find trustworthy lawyers that can help them to make a declare for payment. The most severe instances of asbestos harming will frequently create mesothelioma, a most cancers that impacts the lungs, the abdominal cavity and even the area around the heart. The most cancers can end up being exceptionally difficult to detect by the time it?s spotted, the patient may not have access to long to live. This is why it is essential to find good mesothelioma cancer attorneys when a diagnosis is confirmed.
Before the hazards of asbestos were recognized, lots of people in the construction industry were involved in dealing with, reducing as well as setting up these components. Numerous of all of them were working for companies to the US government, while others were working for personal companies, not one of who recognized how deadly the asbestos could be. Following years of exposure to the silicates that make upward asbestos fibers, the patients experienced started to develop serious lung damage; and those who have caused asbestos and today offers severe damage should consider contacting mesothelioma lawyers prior to the cancer is actually diagnosed.
Possibly one of the hardest groups of individuals for mesothelioma attorneys to speak to are the ones who have become sick due to their own participation with the 9/11 disaster. Approximately 100s, otherwise 1000?s of the people who worked the Twin Systems website in the consequences of the enemy assault were exposed to high amounts of asbestos, as well as other dust which can lead to bronchi damage. Mesothelioma cancer lawyers can wish to try and manage the situation and provide the victims along with compensation while they?re nevertheless alive to make make use of of this.
For those who have been exposed to the poisonous asbestos dust, their lives tend to be in a balance, also it can be a horrible state to end up being in. Mesothelioma cancer attorneys can look for insurance even before the most cancers is identified and can handle the lawsuit with the level of sensitivity that this condition demands. Not everyone that has bronchi conditions associated with asbestos will proceed on to develop mesothelioma, but it?s estimated there are more compared to 3,500 instances of this particular most cancers handled each year. Along with the 9/11 patients additionally beginning to develop the most cancers that can distribute quickly with such devastation, the dpi can just rise. Mesothelioma cancer lawyers look for to ensure that everyone who is struggling from asbestos-related most cancers as well as life-changing ailments can get the compensation they should have.
For more info, check out mesothelioma attorneys and attorneys mesothelioma
Source: http://traffic-secrets.org/finding-mesothelioma-cancer-attorneys-on-the-internet
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