Thursday, May 31, 2012

Look At These Home-based Business Suggestions Today!

GMT Articles | Look At These Home-based Business Suggestions Today!

Look At These Home-based Business Suggestions Today!

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Often life can chuck you some curve balls. You could find that you may have lost a great task after quite a few years, and you don't know what you can do following. Would you ever imagine having a home business? The advice in this article can be quite a springboard to having you began.

An excellent suggestion that you can do for your residence based company is to see on Search engine optimisation ideas which you can use to further improve your position on the web. This can be important in directing website traffic to your site. There are numerous strategies that will improve your search rankings, so look for what works for you.

Stay in constant contact with your clients to make certain they may have good information. Let your consumers to decide regardless of whether they wish to receive notifications and data relating to your deals and discounts. Nonetheless, tend not to mistreatment their have confidence in by mind-boggling these with a continuing barrage of communications.

Don't acquire fifty percent-procedures in terms of attractive your potential customers. Toss a bit gift item along with their get, or compose a personal give thanks to-you take note to exhibit your respect. 2 things people love have the freedom presents and admiration. They will likely truly feel they are not being utilized.

Make time to pick a good label. Your name needs to be associated with whatever you promote, this is why it is important to use a label that buyers can appreicate. Connect your manufacturer with some thing personalized like a tale. This particular brand is perfect for engaging your consumer using the brand name alone.

You need the have confidence in and assist of your loved ones and family members before you think about starting a home-centered company. Your loved ones needs to understand that your home-based business is going to take up a great deal of your time and effort, and may even increase your pressure level. Without the help of your household and house members, maintaining your home business can be hard.

Your web site ought to include a kind welcoming website visitors to sign up for your subscriber list. A spot for contact details on each site of your internet site is essential for customer maintenance.

Possessing a web site for advertising and promoting your product or service is crucial when you run a home-based business. A web site can be an useful tool for advertising and marketing your small business into a larger variety of men and women and increasing your income. Selecting the expertise of an expert website designer makes sure that your website will be up and running quickly.

When preparing your workplace layout, make it more ergonomic by setting your notebook or monitor on your own workdesk. In the event you aren't comfy considering your pc monitor, not only will it trigger pain, but additionally, it may trigger long term problems. Commit a great amount of cash on your work desk seat when you spend a great deal time of relaxing in it. Purchasing an ergonomically appropriate key pad and mouse will help prevent difficulties with your wrists. A few 100 $ $ $ $ in your finances could suffice.

You should think of whatever you use within your daily life when you choose over a product that your home business will market place and then sell on. Figuring out what buyers need is an essential step in selecting a product or service to market. Should you need particular merchandise, there's a solid likelihood that other individuals can use it as well.

The secret weapon to success in jogging your home business is the capability to know when you ought to make alterations and occasionally take threats. Attempting new concepts can attract new customers to your organization, ultimately leading to better profits. By performing things the same way you typically have, you'll usually wonder if setting up a change could have made you more lucrative.

Seo is really a great tool for residence businesses to improve visibility in online search engine rankings. This is really important for directing online traffic to your site. Gather information on the tactics of search engine marketing from many places to obtain a sense of which could are best for your application, seeing as there are a comprehensive amount of different opinions on the topic.

Although looking at this report, ideally you were inspired to consider your daily life to your individual hands and wrists. You had been provided lots of suggestions about starting up a home company, and now is the time to grab the bull through the horns and do it! You can preserve this article for reference to read anytime you are not confident what the next thing you have to be getting is.

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Article Courtesy of GMT Articles

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Customer Service Tips To Set You Apart As A Real Estate ...

Customer Service Tips To Set You Apart As A Real Estate Professional: BiggerPockets Investors Corner photoquestionsRealtor.com is working with BiggerPockets.com, to bring beginning real estate investors helpful advice and tips for getting started in real estate. Join us here each Wednesday morning for wisdom directly from the BiggerPockets team:

?I don?t do business with you because of your product. I do business with you because of the service you give and the perceived value I get from that. It helps me sleep at night from 1,000 miles away.?

That is an actual quote from a Thank You card we received from an investor that taught me everything I needed to know about succeeding in today?s investment real estate world.? Providing great Customer Service had nothing to do with easy to remember 800 numbers and even less to do with under cutting other investment companies on price points.?What real estate investors really want in today?s investing environment is competence, intelligence, transparency and availability.? They want to do business with people that help them feel comfortable with making investment decisions in such a different real estate environment.?Do you do that?

Customer Service In Real Estate Can Set You Apart

Unfortunately, in most businesses, customers have come to expect poor service and have lowered their expectations.? However, that is a good thing for companies that are pro-active and use their customer service as a tool for attracting and keeping clients. The bar has been set so low that customers are looking for simple steps and basic, almost elementary, actions to determine a real estate company to use for their expertise when investing in real estate.

We were recently told by an over-seas investor that he was so impressed with our company that whether or not we did business, he would telling other investors about our company. I could only shake my head in disbelief as he told me the most impressive thing was that we actually answered his emails and phone calls promptly, kept our appointment time with him without rescheduling due to conflicts in our schedule and everyone smiled and got up from their desk or office to introduce themselves and shake his hand.?This was confirmation of just how low the standard had become for great service.

Here are some tips to implement and remind your company of daily to help concentrate on providing great service.

Friendliness

Many real estate investors are not investing in their own backyards, instead choosing to invest in remote locations.? That means that they are looking for people and companies that they can trust and connect with for their investing needs.?The first attractor for most people in general is do they even ?like? the person on the other end of the line. While marketing materials and websites can absolutely enhance and even promote a likeable image, the real test comes with the first connection.? If you are not coming across as a friendly voice and someone that makes a real estate investor comfortable quickly, the chances of getting to the next level of a business relationship are greatly diminished.

Communication

An absolute killer for many business owners, not just real estate professionals is what we call phone reluctance.?It is a paralyzing fear to pick up the phone and deliver bad news or any piece of information that may conflict with a customers needs, wants or even a piece of information that you have already communicated.? The reality is that the quicker you communicate with a client the better for everyone involved.?The stress of having to make the call is eliminated, a sense of belief that you can be trusted is developed and your ability to build on your actions as a good and trusted partner in their success is started.?Study after study with consumers has shown that simply communicating honestly in a timely manner is a huge reason customers remain loyal to companies.?They know they can trust the company or person they are doing business with to keep the customers best interest first. Often times, simply communicating reduces the sting of bad news.

Listen

Listening is a skill.? Listening is a habit.?The great thing about those two statements is that each defines something that can be taught, practiced and learned.?The biggest mistake that real estate professionals make when it comes to listening is made when it comes to responding.? I have met more than my fair share of real estate pros that have canned answers and talking points that they want to get across regardless of what is being said.?This shows a lack of ability when it comes to listening.? To be a great listener, you have to be willing to shut up (excuse the bluntness) and pay attention to what your customer is saying.?Really pay attention.?Sometimes, a customer does not want a response from you and they certainly do not want an explanation.?What they want is to know that you will be quiet and let them voice their concern or frustration.?They want to know that you understand that they may not always be right, but they are always the customer!? Learning to respond correctly is another learned skill that goes well beyond this article, but with a little empathy and a willingness to let a customer speak fully and completely before trying to solve their problem, will go a long way in learning how to help.

Exceed Expectations

I know I said responding correctly would be a whole separate article, but let me point out one huge piece of advice when it comes to a proper response to a customers needs.?Always exceed expectations!

It takes very little effort to actually do what you say you are going to do.? If you do not mean what you are saying or are not capable of actually complying with the words coming out of your mouth ? DO NOT SAY THEM!?The level of expectation in today?s real estate environment is so low that simply doing what you say you are going to do or following up when you say you will follow up is often all it takes to make a customer happy.?How simple is that??But what if you did a little extra?? What if you sent a thank you card as follow-up, called with an answer tonight instead of tomorrow as you agreed, paid for a bill that should have been the customers.? What if you simply did a little more than the customer expected??How far would that go in helping you make a positive impression?

Smile

You would be surprised at how easy it is to determine your mood over the phone.? A client can hear your smile or your frown or your smirk or general lack of interest or your undeniable enthusiasm.?Your mood and your words should match.?If you want a client or a potential customer to believe in you ? especially from a distance, then you have to earn their trust.? Don?t fake it.? Simply make sure that your excitement and desire to work with that customer is matched by your words and your attitude.?Placing a smile on your face can go a long way to earning the trust of the customer on the other end of the line.

In a customer service video I found on YouTube titled ?Word On The Street?, random people are interviewed on the streets of New York City on what frustrates them about Customer Service and how do they define great service.? If you want additional insight on how important providing great customer service can be, watch that video of random people and pay close attention to what they say about service.? It can be the difference between setting yourself apart from or simply fading into the crowded field of real estate professionals.

This post by Chris Clothier was originally posted on BiggerPockets.com.

Related posts:

  1. ?Customer Service? is Essential for Real Estate Success: BiggerPockets Investor?s Corner
  2. Staying Positive as a Real Estate Investor: BiggerPockets? Investor?s Corner
  3. How To Train A Property Management Company: BiggerPockets Investor?s Corner
  4. Who Should and Should Not Buy Turn-Key Properties: BiggerPockets Investor?s Corner
  5. Pros and Cons of Working with A Turn-Key Company: BiggerPockets Investor?s Corner

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Wednesday, May 30, 2012

Obama honors Dylan, other Medal of Freedom recipients

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Twilight Director to Robert Pattinson: Don't Date Kristen Stewart!


If Catherine Hardwicke had her way, Robert Pattinson and Kristen Stewart might never have gotten together. For real!

While it's nearly impossible now to imagine R. Patt without his K. Stew - just watch this adorable video of Robsten cuddling and kissing! - the Twilight director tells Elle Magazine that she noticed chemistry right away between the potential co-stars... and feared its consequences.

A Robert Pattinson, Kristen Stewart Pic

"Rob and Kristen sat down at the table and did the biology scene," Hardwicke said of Pattinson's audition. "I felt the sparks. I could see the attraction. Kristen was very vocal - she knew she had the strongest connection with Rob. I said, 'Let me have a day to see if it translates to the screen.'"

We all know it did, of course. But Robert was 21 at the time and Kristen only 17, which led Hardwicke to warn her handsome leading man: 'She's underage, don't even think about it! It's a law in our country.'"

Fortunately, Pattinson and Stewart evaded the police until the latter turned 18 and have been happily dating ever since.

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Tuesday, May 29, 2012

?You Have to Pay for That?: California City Bills Obama $35K After Campaign Fundraiser

Newport Beach, California Bills Obama $35,000 For Extra Security During Campaign Stop

With California?s current deficit woes, it has seemingly become difficult to justify the tens of thousands of dollars it can cost the taxpayer in extra security measures for Obama?s campaign stops.

That is why, according to the Los Angeles Times, Newport Beach has billed the president $35,043.04.

The L.A. Times continues:

City Manager Dave Kiff said the invoice was his idea.

?I think it is appropriate to treat it like a private event ? if another private event that large and which required that much police presence occurred, we would bill the event sponsor,? he said in an email. ?If the president was here on presidential business, we likely would not have billed for that.?

[...]

The expenses include costs for a police lieutenant, sergeant, two officers, a reserve officer, a senior dispatch officer, a community service officer plus overtime.

CBS analyzed the bill, and interviewed locals on the matter:

The invoice, which is dated May 10th and is due June 9th, had not been acknowledged or paid as of Thursday, according to the L.A. Times.

?Our country is broke,? a man living in the neighborhood where Obama held his fundraiser said.? ?You have to pay for that.?

What remains to be seen is whether Obama will actually pay off this debt?and with whose money.

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How The Regulation Of Attraction Can Aid With Melancholy And ...

How can an individual make use of the Law of Attraction to assist improve the chances of conquering consuming problems and depressions?

The quantity of girls that are suffering from consuming disorders has dramatically increased in the past couple of many years. Some experts think that there perhaps a link in between bulimia nervous and depression. Consuming disorders usually are related to other extended troubles. Binge consuming by way of example is linked with self worth troubles.

To assist with depression and consuming problems you may make use of the Regulation of Attraction. Figuring out concerning the common Legislation of Attraction has already aided quite a few individuals to increase their existing health conditions.

You may build your existence expertise and help it become what ever you would like it to become. A lot of people that have never ever heard regarding the Law of Attraction assume that they?ve to watch for things to get greater or that they may be at the mercy of an external force or greater energy. Some people even feel that they are worthy of to reside an disappointed and live full of challenges.

Actually the contrary is accurate. We are worthy of to experience life at its extremely greatest. Health and abundance is what all of us may have. We are the creator of our personal daily life knowledge.

The Law of Attraction will usually respond to our feelings and ideas. We are able to opt for the type of thoughts and feelings we desire to have.

When suffering from depression and eating problems it may be extremely challenging to really feel great about your self and other individuals. Here are a number of tools which will help you to modify this and that will enable you to harness the power from the Law of Attraction to conquer your health dilemma:

1. Uncover a superb therapist which will help you and help your attempts in turning into effectively.

2. Begin your own system of meditation periods. If feasible attempt to possess a session everyday. This can be crucial. Meditations assist you to relax your mind and body.

It also will help you to find your internal self. This will start a method of healing from problems that may have contributed for your depressions and eating condition.

3. To assistance your meditation you?ll be able to say affirmations that match your goal of turning into nicely.

These are several equipment that will assist you to use the Law of Attraction. We?re what we assume and thoughts are power. Ideal ideas bring proper outcomes -wrong thoughts deliver wrong outcomes.

What ever we?re encountering in daily life is what we?ve drawn to us knowingly or unknowingly.

Our subconscious mind can override our conscious thoughts! Meditations and affirmations is usually helpful in programming our unconscious mind with good thoughts. The Legislation of Attraction will reply accordingly. So now we are able to make what ever we would like in existence and possess a positive life expertise. This may perhaps sound too basic to become accurate.

There?s having said that some thoughts work concerned to acquire there. You may not get improved in a single day! There?s an approach of alterations that may occur into your lifestyle when using the energy of the Legislation of Attraction but with consistency and perseverance you?ll encounter an improvement in nicely getting.

To assist you to really feel greater and develop into an additional positive individual you can also read up on some exciting data about individuals who have experienced from depression and eating problems and who had been able to overcome this issue. You may find this type of info online and off line.

Make your environment pleasurable and comfortable. Hear instrumental songs, as to prevent listening to undesirable lyrics that may well hinder the procedure of getting far more good believed styles. Spend attention to that which you pay attention to when watching Television, stay clear of watching violent motion pictures, as an alternative choose movies which might be humorous or have content endings. Study good and academic publications. Tread oneself to some cup of espresso and unwind. Make an effort to empty your thoughts when undertaking your meditations and hook up with your inner becoming. You can look forward to these calming periods and you will soon discover your self within a good globe full of like and comprehending.

Don?t skip out on a life full of harmony and joy!

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Dairies pamper cows with massages, waterbeds

Lucky, a 7-year-old dairy cow, had been walking with a limp for several weeks when veterinarian Sara Gilbertson was called. Instead of prescribing painkillers, Gilbertson tried an unusual new therapy ? a chiropractic adjustment that included a full-length spinal massage.

Gilbertson rubbed the Holstein's spine by gently squeezing it from neck to tail, pausing to apply firm pressure to one hip and readjust several vertebrae. The cow stood in calm silence, moving only enough to reach another mouthful of hay. Later, as Lucky reclined on a bed of sand, Gilbertson noted with satisfaction how relaxed and comfortable the animal seemed.

Cow comfort has become a key concern for the nation's farmers, who have known for generations that contented cows give more milk. The traditional techniques for keeping cows happy aren't complicated ? feed them well, keep the temperature comfortable and give them room to move around. But some dairy farmers are turning to a new array of creative options intended to keep cows as mellow ? and productive ? as possible.

Some farmers have installed waterbeds for their cows to rest on, while others play classical music. And some hire animal chiropractors to give older cows a tuneup and correct minor issues in calves, all part of the effort to ensure maximum milk output.

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      Look for more?exciting eats and foodie trends on the Bites blog

Do the methods really work? There's no sound scientific data to back up the claims, but dairy farmers say they can see the difference with their own eyes ? cows are giving more milk, the milk quality is improving and the herds seem to be enjoying the indulgences.

"It's kind of like how an athlete with a sprained ankle isn't as productive," said Larry Meyer, 36, whose parents own the dairy farm in Chilton, Wis., where Lucky and another 115 dairy cows live. "If you can get a cow healthy and back to normal, it makes a difference in their productivity."

Cows can suffer injuries if they slip on a slick spot of concrete or get stepped on by another 1,500-pound bovine, and some calves get their necks kinked during the birthing process. The injuries can cause pain when the animals stand, making them reluctant to jostle for food and leading to compensatory injuries. That, in turn, leads to less milk production.

That's why farmers are willing to spend about $75 per session for a chiropractic adjustment.

"The cows tolerate it incredibly well," said Gilbertson, the veterinarian. "They may be apprehensive at first, until they figure out how good it feels."

Chiropractors for cows
Meyer didn't have specific figures on how much milk Lucky gave following her chiropractic treatments, but because her mother was the most productive cow in the herd, he wanted to make sure Lucky was in good shape.

While chiropractic care is reserved for injured cows, dairy farmers also are investing in healthy cows' happiness.

Richard Conrad installed $70,000 waterbeds on his farm in Grafton, Ohio, about a year ago. It took the 220 dairy cows a few months to adjust to the softer surface but now they seem to enjoy it, he said.

"They were real skeptical at first because it was real jiggly," said Conrad, 53, "but once they adapted they didn't look back. They just jump on and stay there."

The result has been milk with fewer impurities and in greater volume ? cows that used to give about 80 pounds of milk per day now average about 90 pounds, Conrad said. However, he couldn't credit the waterbeds with all the improvement; he also upgraded ventilation in his barns and installed misting technology to keep the herd cool.

Dairy farmers commonly adjust air, temperature and lighting to keep cows happy. Some have also installed large rotating brushes that gently scratch the cows' backs and massage their faces and shoulders, said Marcia Endres, a University of Minnesota Extension dairy scientist.

And some dairy producers have employed even more unusual techniques, even in absence of scientific data that justifies their use. In Germany, for example, the Dortmund Concert Hall plays recordings of different classical pieces for specific cows. The hall then serves milk from the respective cows during live concerts featuring those same pieces.

"Which means you'll now be able to both listen to and taste the musical highlights," the hall says in one advertisement.

Dairy experts agree the concept is entertaining, if a bit of a logical stretch. They also agree that dairy farmers need to be careful about introducing new techniques ? music, waterbeds, chiropractic care ? into a herd that's already relatively comfortable.

"Cows are creatures of habit. They like things to stay the same," Endres said. "So many producers like to not introduce too much change. Cows just don't like a lot of weird things happening to them."

Copyright 2012 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.

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Monday, May 28, 2012

Spanish PM insists banks won't need EU rescue

Brokers talk, while screens display Spain's Prime Minister Mariano Rajoy speech, at the Stock Exchange in Madrid, Monday, May 28, 2012. Shares in Spanish bank Bankia, one of the banks hardest hit by Spain's real estate collapse over the past four years, fell 28 per cent on opening in Madrid on Monday, the bank's first day back on the stock exchange following its announcement Friday that it would need Euro 19 billion ($23.8 billion) bailout to bolster its defenses.(AP Photo/Daniel Ochoa de Olza)

Brokers talk, while screens display Spain's Prime Minister Mariano Rajoy speech, at the Stock Exchange in Madrid, Monday, May 28, 2012. Shares in Spanish bank Bankia, one of the banks hardest hit by Spain's real estate collapse over the past four years, fell 28 per cent on opening in Madrid on Monday, the bank's first day back on the stock exchange following its announcement Friday that it would need Euro 19 billion ($23.8 billion) bailout to bolster its defenses.(AP Photo/Daniel Ochoa de Olza)

FILE - In this Friday, May 18, 2012 file photo a man uses an ATM cash point machine at a branch of the Bankia bank in Madrid. Logo says ' Welcome to Bankia'. Spain's market regulator suspended trading of shares in bailed-out Bankia on Friday May 25, 2012, ahead of a key board meeting at which the lender is expected to decide how much more rescue money it needs from the government. (AP Photo/Daniel Ochoa de Olza, file)

A broker stands near the main display at the Stock Exchange in Madrid, Monday, May 28, 2012. Conservative Spanish Prime Minister Mariano Rajoy was adamant Monday that Spain's bank sector would not need an international rescue as concern over the bailout fund for nationalized lender Bankia sent that bank's stock price plummeting while Spain's borrowing costs soared. (AP Photo/Daniel Ochoa de Olza)

Visitors pose for pictures under the main display at the Stock Exchange in Madrid, Monday, May 28, 2012. Conservative Spanish Prime Minister Mariano Rajoy was adamant Monday that Spain's bank sector would not need an international rescue as concern over the bailout fund for nationalized lender Bankia sent that bank's stock price plummeting while Spain's borrowing costs soared. (AP Photo/Daniel Ochoa de Olza)

FILE - In this Monday May 7, 2012 file photo, the Bankia bank headquarters is seen in Madrid. Spain's market regulator suspended trading of shares in bailed-out Bankia on Friday May 25, 2012, ahead of a key board meeting at which the lender is expected to decide how much more rescue money it needs from the government. (AP Photo/Paul White, file)

(AP) ? Conservative Spanish Prime Minister Mariano Rajoy insisted Monday that the country's banking sector would not need an international rescue as concern over the bailout of nationalized lender Bankia sent its stock price plummeting while Spain's borrowing costs soared.

"There will be no rescue of the Spanish banking sector," Rajoy told a press conference.

However, he added that the government had no choice but to bail out Bankia, which has been crippled by Spain's real estate slump.

"We took the bull by the horns because the alternative was collapse," said Rajoy, stressing that Bankia clients' savings were now safer than ever.

Bankia, Spain's fourth-largest bank, is estimated to have ?32 billion in toxic assets and was effectively nationalized earlier this month when the government converted ?4.5 billion in rescue funds it gave last June into shares.

The lender's shares fell 28 percent on opening in Madrid on Monday ? Bankia's first day back on the stock exchange following its announcement Friday that it would need the ?19 billion ($23.8 billion) in state aid to shore itself up against its bad loans, a far bigger bailout than expected. The shares, which recovered slightly in the afternoon, closed 13.4 percent lower at ?1.36.

Bank of Spain estimates show Spain's lenders are sitting on some ?180 billion ($233 billion) in assets that could cause them losses. The government fears the cost of rescuing the country's vulnerable banks could overwhelm its own finances, which are already strained by a double-dip recession and an unemployment rate of nearly 25 percent, and force it to seek a rescue by the rest of Europe.

Among the chief concerns surrounding Bankia's request for state aid ? the largest in Spanish history ? is just how Spain plans to fund it. The country's borrowing costs have risen sharply over the past few weeks.

On Monday, Spain's interest rate, or yield, for 10-year bonds on the secondary market ? a key indicator of market confidence ? rose 0.16 percentage points to close at 6.45 percent. Rajoy said this had more to do with broader concerns about Europe and Greece and dismissed suggestions it had anything to do with Bankia.

A rate of 7 percent is considered unsustainable over the long term and there is concern that Spain might soon be pushed join the ranks of Greece, Ireland and Portugal and seek an international bailout.

The Prime Minister said that the government had not yet decided how it would proceed in funding the Bankia bailout.

However, the Economy Ministry said earlier Monday that it is considering injecting government debt into Bankia's accounts. The bank could then turn to the European Central Bank and use those bonds as collateral to receive cash for the recapitalization.

Analysts said that such a technique would only prove to investors that the country is having difficulties raising money on the international debt markets and would therefore make them even more reluctant to buy Spanish debt.

"It sends a signal of a lack of confidence," said Mark Miller of Capital Economics in London.

Oscar Moreno of Madrid brokerage Renta4 said the government has little choice: either use this uncommon technique or simply ask the European Union for money to bail out the banking sector ? which Rajoy has vehemently ruled out as unnecessary.

Moreno said Bankia's share price drop ? and the rising bond yield ? showed investors the Spanish banking sector's woes are getting worse. Only last week, for instance, Economy Minister Luis de Guindos said the government would inject about ?9 billion into Bankia.

"Basically, what the investor sees is that, with what has emerged with Bankia, more money is going to be needed than what was originally stated" in two government decrees ordering banks to put aside a total of some ?80 billion in provisions to cushion against losses from real estate, Moreno added.

Spain's rocky financial situation has been made worse due to overspending by its semiautonomous regions. One of the regional governments, Catalonia, called for financial assistance last week, claiming it was running out of options to refinance its debts.

Asked about the fragile state of finances of some of Spain's regions, Rajoy said, "We are not going to let any region or financial entity fall because otherwise the country would fall."

Concern about the health of Europe's banks is a key constituent of the region's financial crisis. While Spanish banks suffer mainly from soured real estate investments, they and their counterparts across Europe also hold massive amounts of shaky government bonds. As the financial crisis worsens, those bonds lose value, hurting the banks.

The big fear is that if Greece eventually leaves the euro, confidence in other financially weak countries like Spain and Italy could fall, causing the value of their bonds to drop. Ultimately, the worry is that could undermine confidence in the system and create bank runs.

To avert such a disastrous scenario, financial experts are increasingly calling for a Europe-wide support system for the banks.

Associated Press

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Social media and relationships - CFCA Connect - Child Family ...

Written by Ken Knight1

Up to 80% of Australian practitioners have counseled clients who have concerns about the impact of digital communications tools on their relationships.

This is one of the results from a survey conducted by Relationships Australia Victoria (RAV) in 2011.

The national survey sought to reveal more about the ways social media and technology are changing people?s relationships with each other. It involved separate surveys of Relationships Australia practitioners and members of the community.

Results from the practitioner survey revealed:

  • 80% of respondents had counselled clients who raised concerns about the impact of Facebook on their relationships;
  • 72% had encountered concerns about email; and
  • 50% had encountered concerns about mobile internet devices, blogs and forums.

The responses indicated that internet pornography, cybersex and online dating and gambling sites continue to cause problems in relationships.

Other commonly cited issues included:

  • partners resorting to the use of secret SIM cards and email addresses to maintain infidelities;
  • online stalking, checking and monitoring of partners? emails and messages;
  • hacking into ex-partners? Facebook accounts;
  • use of the internet and technology to the exclusion of one?s partner; and
  • intimacy problems arising from a partner accessing internet pornography.

Results from the community survey revealed:

  • concern over children?s and teenagers? lack of social skills and neglect of family relationships due to internet use;
  • a dichotomy between social media generating positive feelings of connection, and increasing feelings of loneliness and illusory, false or shallow connections;
  • suspicion over partners? online activities and connections, including fears of online cheating; and
  • concern over personally damaging or detrimental posts made by young people.

The impact of internet use on intimate partner relationships was also explored in an article published in Family Relationships Quarterly, the newsletter of the former Australian Family Relationships Clearinghouse (now part of Child Family Community Australia).

The article focused on internet affairs, and described a 2005 survey of over 1,500 mental health professionals that found that approximately one in five clients in mental health treatment were accessing help due to the damaging influence of internet sexual activities.

The article identified three factors that make internet affairs a growing issue:

  • online relationships can develop more quickly due to lowered inhibitions, absent physical cues, and the ease of exchanging information;
  • although infidelity is hardly new, the internet creates an environment where access to potential partners is unlimited and unconstrained by time; and
  • many people think that internet flirtation and affairs are less deceptive as they do not involve physical contact.

The results of these studies make an important contribution to the planning of services specifically designed to help people navigate our increasingly connected world.

?


1. Ken Knight is the Community Manager of Child Family Community Australia (CFCA).

Relationships Australia Victoria (RAV) Survey Results

Internet affairs: Guidelines for practitioners

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Friday, May 25, 2012

Home inspection in Mississauga











Home inspection in Mississauga is being offered by numerous companies dealing in this very business. Mississauga is a very populous city in Canada and you can easily find out such services over here. There are loads of houses being bought and sold every day over here. And, home inspector services get to be hired often in this very regard.

Home inspection in Mississauga is one such service that has become really essential whether you are going to buy or sell a house. It happens many times that you take a professional expert or a friend of yours in case of buying a car. You feel the need to be assured of the fact that the car you are going to buy is free of all sorts of serious concerns.

This is the same feel that you need to have while going to buy a used house. You need a detailed evaluation, giving you the surety that there are no safety concerns, no pending repairs, no structural hazards in that very house. And, all these features cab not be located by an ordinary eye.

There needs to be a professional one who can deduct the problem under the covers of "all set". This kind of professional help is being offered by the home inspection companies operating in Mississauga.

Home inspection is just not necessary for the used homes only. You need to be sure of all the above mentioned features even if you are going to buy a brand new house. So, the need of home inspection is all important and you cannot ignore it if you are intending to buy even a new house.

You can easily find out such services being offered in your nearby areas. Internet is one such medium that can give you the access to all the required information. You can conduct an online search and can find out numerous such companies.

And, if you can make a list of four to six such companies and then can compare and contrast their services and charges, this can earn you an affordable deal as well. But, be sure of the fact that a company needs to be legal and expert.

Home inspection in Mississauga can be hired even if you intend to sell your house. This is one such service that not only can make you aware of the short comings in a house but can save you from both financial and emotional inconvenience later on.

So, do invest in this service if you are considering buying/selling a house. You will spend a little but will get a big return.

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Join the A DRIBBLE OF INK Diablo III Community!

on May 18th, 2012

Diablo 3 Boxart

To continue with my endless stream of Diablo III-related posts, I thought it would be fun to gather together the community of readers who follow A Dribble of Ink and try to organize together a group of like-minded gamers to tackle the demons and dungeons of Diablo III. I?ll be spending a lot of time playing it this weekend, and in the coming weeks, and there?s a good chance you will be, too!

So, leave your Diablo III BattleTag below. And hollar at me, I?m SpaceDonkeys#1966 on Battle.net. When you add me, let me know that you read A Dribble of Ink!


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Thursday, May 24, 2012

Obama birth certificate OK by Arizona official

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Queen Victoria: 6 stories from her diaries

Having taken the throne, Victoria had to propose marriage to her cousin Prince Albert, not the other way around. She did so on Oct. 15, 1839. "At about ? p.12, I sent for Albert," the queen wrote on the day. "He came to the Closet where I was alone, and after a few minutes I said to him, that I thought he must be aware why I wished them to come here,- and that it would make me too happy if he would consent to what I wished (to marry me); we embraced each other over and over again, and he was so kind, so affectionate... I really felt it was the happiest brightest moment in my life."

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Wednesday, May 23, 2012

Improve The Look Of Your Home With New Sash Windows | Home ...

Improve The Look Of Your Home With New Sash Windows

It is always interesting to see what people do now with the look of their home when the weather begins to warm up. If there is a home remodeling store near your house it is a sure bet that on the weekends this place will be packed with people looking to do some repairs and upgrades to their home. One thing that has been very popular lately for many homeowners is to upgrade or renovate the windows in their home. By upgrading or repairing your old windows you will be able to instantly see results both aesthetically and financially. If you are undecided as to what type of windows to have installed in your home you should check out the energy efficient, high performance sash windows which are very affordable and add great beauty to any home?s exterior as well as interior finishing?s.

It does not matter what time of the year you are thinking about upgrading the windows in your home, there will always be a good deal to be made on installation and products. The key is knowing when and where to look for the windows that you want and not settling for anything else. When you are shopping for sash windows you will find that there are many companies over the internet that will sell you a window product that is inferior to the real wood sash windows that only top companies around the world sell. You want to make sure that you are not pricing one of these cheap imitation style windows because sometimes a company will try to mask the product that you are comparing with them only to tell you later when they are about to install the windows at your home that they are not actually the high quality windows that you thought you were buying but instead something completely different.

The best part about genuine sash windows is that you will instantly begin to see the cost saving benefits, especially if your older windows were not sealed very well. There is no telling how many years you have been throwing your hard earned money right out the window, so to speak, because you have been letting all the air flow in your home escape right out through the spaces in your windows. This means that your home would be harder to keep warm during the winter months and will also be harder to keep cooler during the summer months. By installing new windows at your home you will see your energy bill decline month after month because you will no longer be losing the air flow in your home. You will notice that you home will stay cooler as well during the summer months because most new windows have high proficiency and efficiency glass to them that deflects sunlight and reduces the amount of heat that is transmitted into the home. New windows can also help eliminate unwanted noises from the outside of the home that have been coming. If your old windows were rattling replacing them with new ones will also eliminate that problem as well. If you are looking to improve the look of you home then you should certainly invest in new sash windows today!

Bio: Nirra Poret writes about a variety of different topics including?sash windows. She blogs at Mystery Shopping Teacher when she has the time.

This entry was posted in Windows/Doors and tagged home improvement, home improvement projects, sash windows, windows by home9958. Bookmark the permalink.

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TEXT-S&P summary: Cambridge Industrial Trust

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Tuesday, May 22, 2012

Tips And Tricks For The Home Improvement Lover : Home Security ...

If you are looking to improve your house with new appliances, think of how much you are willing to spend as well as the length of time before you will have to replace them. Refrigerators last up to 20 years, microwaves up to 10 years, stoves up to 15 years and washers/dryers last about 13 years.

Look for the line of nails! If you need to snug up a protruding piece of paneling or drywall you can normally tell where to add a new nail or screw just by closely observing the surface of the panel. It was installed by nailing it to the underlying wall studs and evidence of those studs will likely still be visible.

While attending to home improvement on any property, remember that while personalizing a room to your own individual taste is great, the expense may not necessarily be recouped at the time of resale. Expensive wallpapers or tiles that suit your taste may be viewed for discarding by the next purchaser and therefore the cost will not be recovered.

When it comes to home improvement, have a plan from the start through the finish of your intended improvement. This will ensure that you stay within your budget and that you complete your intended project without the emotional factors being involved. It can be obvious both to a potential buyer and to your pocketbook if a home improvement project is made up as you go.

Replacing your old windows is a great home improvement project, but do not get fooled into thinking that it is going to be a huge energy savings. The cost of replacing your old single hung windows with new energy efficient double pane windows is far greater than any savings on your utility bill could ever bring. So do not use that as a factor when determining if this is a home improvement project that you want to start.

If you are taking on your project alone, consider hiring an interior designer for a consultation. An hour with a professional can help clarify what you want to do and help steer you away from those projects that sound good in your head but would be a nightmare to complete.

If you are trying to remove wallpaper as part of a home improvement project, especially if you are removing wallpaper with paint on top, consider renting a wallpaper steamer. On plaster walls, a wallpaper steamer can greatly speed up the process of wetting and scraping the wallpaper. However, you should take great care when using a wallpaper steamer on drywall, as the drywall is very easily damaged with all the scraping and steam.

When doing home improvement projects around kitchens with gas stoves, gas fire places, or gas water heaters, it is very important to turn off the gas supply line. This will prevent any chances of injury or death caused by gas leaks, which can lead to suffocation or creating deadly gas explosions.

Rather than wait decades to save up the money for a total remodel, why not look for home improvement projects of all sizes and scales? By following the advice in this article, you can discover the joys of making occasional enhancements and upgrades to your home without waiting for a day that may never come.

Evette Ingersoll features a column on the subject of Best Leaning Bookcases

Tags: General

Category: Home Security Information

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Ray J Hospitalized For Exhaustion After Las Vegas Trip

Rep says hospitalization is unrelated to run-in with Whitney Houston's family at the Billboard Music Awards.
By Nadeska Alexis


Ray J
Photo: Getty Images

When Ray J attended the Billboard Music Awards in Las Vegas on Sunday night, he reportedly had a tense run-in with Whitney Houston's family. The following morning, he was hospitalized for exhaustion.

A representative for Ray J told CNN that he was rushed to the hospital Monday to be treated for exhaustion and jet lag after returning from a 32-hour business trip to China, where he performed a show and attended meetings. The singer apparently made a four-hour drive to Las Vegas upon his return to host a party for Prince Reigns Hair Serum, and he was later found in his hotel room "extremely disoriented" and "out of it."

Ray J's rep also made sure to point out that his hospitalization was not related to an incident that took place at the Billboard Music Awards on Sunday night. Ray J, who dated Whitney Houston on and off for several years, was seated in the same section as the late singer's family, which sparked trouble. Whitney's sister-in-law Patricia Houston asked security to forcibly remove Ray J from the section, but he refused. "Pat ruined what was a great opportunity to honor the woman who I loved," Ray J said later.

There's been no word yet on when Ray J will be released from the hospital. Since Whitney Houston's death, he has been outspoken about his grief, admitting, "I really miss my friend, you know, I really do. I'm still hurting." On Sunday night, Houston was honored with Billboard's Millennium Award, which her daughter Bobbi Kristina accepted on her behalf, thanking fans for their support.

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Monday, May 21, 2012

3 Easy Ways to Make Money Online at Home With your Home ...

Just like there are no magic weight loss cures or straightforward ways to make income on the web from house without a great deal of effort, there is no 1 simple solution to guarantee house based world wide web marketing and advertising business success. Even so, the home based world wide web marketing organization is not overly complicated and many organization owners can appreciate at least some degree of residence based net marketing and advertising business success with only limited understanding about the business. This post will discuss some of the simplest &amp very best residence based web advertising enterprise methods business owners can implement to promote their property based net marketing business on the internet. There are numerous straightforward methods to make money online from home.

Nonetheless, I am going to give you fantastic &amp proven success effortless ways to make cash on the web at home. You?ll discover 3 simple approaches to make funds on-line at property with your house based net marketing and advertising business below:

Participation in business related message boards is one of the simple approaches to make cash at residence a enterprise owner can use the Net as a promotional tool. Message boards are web sites which provide a forum for Web users who share a common interest to share info related to this subject or just socialize. Business owners may opt to join message boards which closely relate to their business or the products or services they offer. This is crucial due to the fact doing this gives the company owners access to a group of Internet users who fall into the target audience for his goods or services. It also gives the enterprise owner the actual home based company chance to promote his own internet site. Several message boards permit users to place a link to their own site in their signature. Business owners who do this and also contribute beneficial commentary on the message boards may attract potential buyers via the link they place in their signature.

Moreover, some message boards could even enable users to post links in the body of the message. This gives the enterprise owner the actual house based organization opportunity to offer his link in response to questions and comments when performing so is relevant and provides some thing of value to the on-line conversation. However, care should be taken to carefully review the terms of service and all guidelines on the message board just before posting links to make certain this is not a violation of the policies of the message board. Failure to adhere to message board policies may possibly result in removal from the message board or the posts becoming viewed as spam by other users.

My researches show that social networking or message board internet sites are the most well-liked and fastest growing for internet entrepreneurs. Typically those entrepreneurs use those social networking sites as their alternative simple ways to make cash online.

Yet another basic, but successful, residence based net advertising business strategy is to hire a consulting firm with search engine optimization (Seo) encounter to assist you in achieving high search engine rankings. Whilst the idea of Seo can be rather complex and understanding the most effective strategies and how to properly implement them may possibly take years of encounter as properly as continual education, the capacity to hire a qualified Seo firm is as simple as knowing how to interview candidates and choose the most qualified 1. Handling your own Search engine optimization efforts can be rather challenging but hiring another firm to take care of this for you is not only effortless but it can have a considerable impact on your web site visitors due to the fact high search engine rankings generally translate to improved internet traffic. This is simply because Web users trust search engines to serve the most relevant websites 1st and usually only go to the finest ranking web sites when they search for a certain term.

Personally, developing a top quality internet site with high ranking in search engines is 1 of the most price successful simple ways to make money on the internet. All you have to do with your Seo and web sites is to take your action seriously and time to climb up the ranking in search engine. As soon as your web site is on the leading of search engine?s results, you are in a good position to make cash at house easy.

Similarly an additional easy way to get pleasure from home based net advertising business success is to hire a consulting firm to plan and execute your residence based net marketing organization technique. Just like Seo, house based internet marketing and advertising company is essentially a full time job. Organization owners might have a great deal of difficulty attempting to run their enterprise and organize their residence based world wide web advertising enterprise. Outsourcing this work eases the burden on the business manager and will most likely generate a lot more favorable outcomes.

Final thoughts, participating in message boards and optimizing your web site are the most effective &amp effortless techniques to make income on-line. Those will grow your residence based net marketing enterprise effortlessly. You?ll make income at property effortless if you take the above workable ways into action seriously.

Get Free of charge report now to discover leading inside suggestions, strategies and secrets of how to make income at house simple by way of your on the internet house based internet marketing enterprise. There are numerous simple techniques to make income online there. You?ll discover a lot of easy methods to make income online. Also, you?ll save your time &amp income for your on-line home based world wide web advertising business!

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All about YouTube Marketing | Internet Revenue Articles

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Promoting a business can be extremely taxing, especially when you?re just getting started. If you?re into checking out marketing blogs, you?ve probably come across some information about YouTube marketing. This form of advertising falls under the umbrella of video advertising, which falls under the even larger umbrella of Internet marketing. Take a look at some specifics of this business strategy to deepen your understanding about its importance and utilize it to help popularize your products or services.

Why Online Video Advertising?

Video marketing is one of the leading advertising platforms on the Internet. People of all ages and from different backgrounds are taking advantage of this promotional opportunity in an effort to maximize the visibility of their business. It falls under the concept of showing rather than telling and continues to draw an abundance of viewers if done correctly. There are several types of video marketing. The primary kinds include article video marketing, viral video marketing and social video marketing. Individuals can utilize one or multiple forms according to their specific needs and intentions. If you?re not certain about how to implement videos, it?s a good idea to consult with a professional or consider audio production schools in your area that?ll provide thorough instruction:

Article Video Marketing ? This type of video marketing typically interests those who prefer the less time-consuming practice of watching informational videos rather than reading articles. Video marketing involves businesses or individuals developing numerous short clips that display the contents of articles written beforehand. Most videos are between two and five minutes and cover a wide range of topics. After the videos are created, they?re uploaded onto popular video-sharing websites to target an audience.

Articles can be converted into videos in a number of ways. One of the most popular ways is to turn the written pieces into a PowerPoint presentation or animated slideshow. Pictures and a voiceover narration are usually added to the presentation before it?s recorded via screen capture software and put on the Internet for viewing pleasure. An alternative involves recording an article and saving it as an MP3 file. Afterwards, video layout software is used to change the audio to a video. The finished product is then exported and uploaded to relevant websites for exposure.

Viral Video Marketing ? Another form of online video advertising is viral video marketing which contains humorous events, eyewitness incidents or clips from comedy sketches on television. Many clips are shot by amateurs on mobile devices and edited with the use of economical tools and software before being published on video sharing sites, social networking sites and personal websites.

Most viral videos are created as a dialogue and shared with the intention of entertaining family and friends, although many people use it as a way to engage prospective customers. This option has benefited word-of-mouth marketing and was preceded by email-sharing. These videos continue to increase in popularity in a variety of sectors, including education and music. However, fans of this concept must be careful not to violate copyright laws, as this has been a major downside to viral video-making and has been the result of several problems within the entertainment industry.

Social Video Marketing ? This choice is equally significant. Social video marketing (SVM) is similar to viral video marketing in that it engages a wide audience through the distribution of video. However, the notion of self-expression tends to be more evident. This form of video marketing relies heavily on social theory, consumer culture theory, and economic theory.

SVM also intends to leave a deeper contextual message, rather than simply being a pass-along model between sender and recipient. In other words, a more individualistic approach is taken and the finished product tends to have more depth as it forms solid relationships and builds trust between publishers and viewers.

Introducing YouTube

Despite the kind of video marketing used, many advertisers can attest to the benefits of sharing their clips on YouTube. This video-sharing site attracts millions of visitors on a regular basis and contains a large host of products, including music videos, TV clips, movie clips, video blogs, and original clips. Although mostly individuals upload videos on the site, several major corporations have been known to make contributions as well.

Content is constantly investigated by YouTube?s employees. Explicit or offensive material can only be viewed by registered users. This group also has the privilege of uploading videos, as well as watching them. Unregistered users, on the other hand, solely have the right to view distributed clips.

Besides uploading, YouTube also contains other valuable features. Playback is a major attribute on the site and enables users to view finished products if an Adobe Flash Player plug-in is installed on their computer. Browsers that support specific HTML5 versions, such as advanced video coding and WebM, also afford individuals the opportunity to view videos, although some clips are still inaccessible with this alternative. Additional features include 3D videos, various platforms and a new localization system.

How it All Began

At the beginning of 2005, YouTube was established by three former PayPal employees. The entire concept of the video-sharing website was developed over the course of a few months and started out as a technology start-up company. Its headquarters were initially located in San Mateo, California.

After its inception, the site grew faster than anticipated. By the summer of 2006, it was reported that thousands of videos were being uploaded every day and millions of viewers were watching clips per day. Numbers continued to increase and moved into the billions by 2010. Since then, YouTube has embarked on several new concepts, such as the ability to upload full-length videos and the free streaming of specific content. A new design was also launched to provide additional benefits to users.

Today, YouTube is headquartered in San Bruno, California. After being acquired by Google, the Google+ social networking site was integrated with YouTube which allow the site?s videos to be viewed from Google?s interface. YouTube is a dominant force in the online business market in the United States and it also ranks relatively high in other regions, including the United Kingdom. As of 2012, more than 4 billion videos are streamed per day.

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