Source: http://news.feedzilla.com/en_us/stories/politics/top-stories/236081684?client_source=feed&format=rss
Saturday, June 30, 2012
cancivlib: Celebrate Canada Day with a sweet CCLA t-shirt! If you place your order now, we'll send it to you today! http://t.co/XVkAQUNr
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Source: http://twitter.com/cancivlib/statuses/218767367117864960
Japanese protesters fill streets as nuclear re-start looms
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Source: http://news.yahoo.com/japanese-protesters-fill-streets-nuclear-start-looms-123936885.html
Color and Style - Apple iPad App Promo Codes to Giveaway
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| Posted on 27th Jun 2012 | ||||||||||
| Which colors fit you best is defined by your own color type. Simply say the colors of your hair and eyes, the tone of your skin and you will: ? Know your color type; ? See the palette of matching colors; ? Review the catalogue of the clothing-suits assorted for you only. ... (scroll down to enter giveaway OR read more...). | ||||||||||
| Developer / Publisher: Dmitry Zherdev | ||||||||||
| Category: Lifestyle | ||||||||||
| Platform: iPad | $2.99 Buy now | |||||||||
| Original price of the app at time of giveaway. | ||||||||||
How to enter:Do one of the following or even better all 4 for 'BONUS ENTRIES' then click 'Enter Giveaway' (see below) and feel free to leave a comment too?
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An Urgent Message to all who attend this Church: YOU ARE ENTERING A CRIME SCENE WHERE CHILDREN ARE IN DANGER
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Jun-28-2012 15:10
For the welfare of your children and our future, join us.
(BRUSSELS) - At least one quarter of all Roman Catholic clergy are involved in the abuse, rape or trafficking of children. All the other clergy are obliged to protect them and conceal the crime under the Vatican?s policy known as Crimen Sollicitationis. This is a criminal conspiracy under the law.
Your child and any child may be harmed in this church, and if the abuser is a priest or church official, he will likely go unpunished.
For the safety of the children and to stop colluding in a crime, please do not attend this church, and withhold all your financial support for it until those who perpetrate this reign of terror on the innocent are brought to justice.
We, the members of your local Child Protection Action Group (CPAG), will be publicly naming and shaming known child raping priests and their accomplices. We will also be performing citizens? arrests of these criminals if the local authorities refuse to detain them.
For the welfare of your children and our future, join us.
For information see: www.itccs.org or write to genocidetribunal@yahoo.ca
Local CPAG contact:
CPAG is affiliated with the nine-nation International Tribunal into Crimes of Church and State (itccs.org)
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?2011 Salem-News.com. All opinions expressed in this article are those of the author and do not necessarily reflect those of Salem-News.com.Articles for June 27, 2012 | Articles for June 28, 2012 |
Source: http://salem-news.com/articles/june282012/church-secrecy-ka.php
Bob Mansfield, Apple Exec Who Has Led Hardware Engineering For Mac And iOS Devices, To Retire This Summer
Bob Mansfield, Apple's senior vice president of hardware engineering, will retire this summer after 13 years with the company. The company announced the news in a press release today. It's a major departure, as during his career at Apple Mansfield has led the hardware engineering of devices including the Mac, iPhone, iPod, and the iPad -- some of the most popular and profitable consumer electronic gadgets in modern history. Mansfield has been well compensated for his effortsSource: http://feedproxy.google.com/~r/Techcrunch/~3/gTi7z5WRHlE/
UTC Fined Over Chinese Trade Violation
United Technologies Corporation has agreed to pay $13.8 million to the federal government after Pratt and Whitney Canada, a Canadian subsidiary of the Connecticut-based defense contractor, pleaded guilty to violating the federal Arms Export Control Act.
Pratt and Whitney Canada, based outside Montreal, pleaded guilty to illegal exports to China of U.S.-origin military software used in the development of China?s first modern military attack helicopter, the Z-10 and accepted fines of nearly $7 million.
According to the U.S. Department of Justice, Pratt and Whitney Canada delivered 10 of the development engines to China in 2001 and 2002.
The District of Connecticut, the Justice Department filed a three-count criminal information charging UTC, Pratt and Whitney Canada, and HSC with violating the Arms Export Control Act, to making false statements to the U.S. government in their belated disclosures relating to the illegal exports and with failure to timely inform the U.S. government of exports of defense articles to China, according to the U.S. Attorney?s Office.
Pratt and Whitney Canada pleaded guilty to violating the Arms Export Control Act, to making false statements to the U.S. government, but the Justice Department has recommended that prosecution on violating the Arms Export Control Act charges and failure to timely inform the U.S. government of exports of defense articles to Chinabe deferred for two years, provided the companies abide by the terms of a deferred prosecution agreement with the Justice Department.
As part of the agreement, the companies must pay $75 million and retain an Independent Monitor to monitor and assess their compliance with export laws for the next two years.
In addition, UTC, its U.S.-based subsidiary Hamilton Sundstrand Corporation, and PWC have all agreed to pay more than $75 million as part of a global settlement with the Justice Department and State Department.?
Roughly $20.7 million of this sum is to be paid to the Justice Department, according to the U.S. Department of Justice.
The remaining $55 million is payable to the State Department as part of a separate consent agreement to resolve outstanding export issues, including those related to the Z-10.?
Up to $20 million of this penalty can be suspended if applied by UTC to remedial compliance measures.? As part of the settlement, the companies admitted conduct set forth in a stipulated and publicly filed statement of facts.
Speaking in federal court, Paul Beech of UTC, said that since 2006, the time of the violations, "failures addressed today cannot and will not recur."
Source: http://feeds.nbcconnecticut.com/click.phdo?i=7abb427d89f15f5226b8bdb8f8f75353
ktmcfarland: At Western Conservative Summit speaking Sat @ 11.00 am ET. Watch livestream at @http://www.westernconservativesummit.com/live - Iran&Israel
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Source: http://twitter.com/ktmcfarland/statuses/218834801736687618
Remarks by President Herman Van Rompuy following the European Council
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K.J. Pilcher wrote a new blog post: Team Iowa wins Four State Golf Championship
Team Iowa claimed the team title of the Four State Junior Girls Golf Championship on Thursday at Sedalia (Mo.) Country Club.
The Iowa team entered the second and final round tied with Nebraska, but shot 288 for a total of 588 and a 16-shot victory. Nebraska was second, Missouri was third with 618 and Kansas was fourth.
Former Cedar Rapids Jefferson all-state golfer Megan Furnish shot 76-75-151 over the two days for the third-best Iowa scored and sixth-best in the field of about 20 golfers. Charles City three-time state champion Jessie Sindlinger was first overall, carding 2-under par 68 Thursday for a 5-under 135 total. Sindlinger was the top performer of the tournament and the only golfer to shoot below par.
Dyersville Beckman?s state champion Ellie Ament shot 79-74-153, while South Tama?s Taylor Van Dyk had 78-77-155. Anna Cullinan, of Bettendorf, was 1-over for the second round and finished with 150.
It was the first time since 2004 Iowa has won the event that began in 1969. Sindlinger is the 10th Iowan to earn medalist honors since Patricia Martinson in 1997.
See full results at http://www.ghintpp.com/mowomensgolf/TPPOnlineScoring/ResultsStroke.aspx?ID=8
Source: http://iowaprepsports.com/2012/06/28/team-iowa-wins-four-state-golf-championship/
Djokovic rallies past Stepanek at Wimbledon
Novak Djokovic of Serbia reacts after defeating Radek Stepanek of the Czech Republic in a third round men's singles match at the All England Lawn Tennis Championships at Wimbledon, England, Friday, June 29, 2012. (AP Photo/Alastair Grant)
Novak Djokovic of Serbia reacts after defeating Radek Stepanek of the Czech Republic in a third round men's singles match at the All England Lawn Tennis Championships at Wimbledon, England, Friday, June 29, 2012. (AP Photo/Alastair Grant)
Vera Zvonareva of Russia, right, is examined by a doctor during a third round women's singles match against Kim Clijsters of Belgium at the All England Lawn Tennis Championships at Wimbledon, England, Friday, June 29, 2012. (AP Photo/Anja Niedringhaus)
Maria Sharapova of Russia reacts during a third round women's singles against Su-Wei Hsieh of Taiwan at the All England Lawn Tennis Championships at Wimbledon, England, Friday, June 29, 2012. (AP Photo/Anja Niedringhaus)
Kim Clijsters of Belgium returns a shot to Vera Zvonareva of Russia during a third round women's singles match at the All England Lawn Tennis Championships at Wimbledon, England, Friday, June 29, 2012. (AP Photo/Anja Niedringhaus)
Novak Djokovic of Serbia, right, is congratulated by Radek Stepanek of the Czech Republic in a third round men's singles match at the All England Lawn Tennis Championships at Wimbledon, England, Friday, June 29, 2012. (AP Photo/Alastair Grant)
WIMBLEDON, England (AP) ? Novak Djokovic is tough to beat at Wimbledon, indoors or out.
Playing the day's first Centre Court match Friday under the retractable roof, defending champion Djokovic rallied past Radek Stepanek 4-6, 6-2, 6-2, 6-2.
When a drizzle delayed the start of the third round, tournament officials decided Djokovic's match should be played inside. An odd spectacle ensued: The roof closed as the sun came out and outside court covers came off.
"I was a little bit surprised, when I saw sunshine, that the roof is closed," Djokovic said. "Obviously they're relying on a forecast that I don't think is very reliable here. But OK."
The No. 1-ranked Djokovic missed opportunities to seize an early lead, failing to convert his first five break-point chances before he lost serve at love to drop the opening set. But he dominated from there, breaking in the first game in each of the final three sets.
Also advancing to the second week was top-ranked Maria Sharapova. She rallied from a break down in the second set to beat Hsieh Su-wei 6-1, 6-4.
American Sam Querrey hit the last of his 21 aces on match point and beat No. 21-seeded Milos Raonic, 6-7 (3), 7-6 (7), 7-6 (8), 6-4. That second-round match had been suspended in the third set Thursday because of rain.
Kim Clijsters led 6-3, 4-3 when No. 12 Vera Zvonareva retired struggling with a cough. The unseeded Clijsters, who plans to retire after the U.S. Open, is a four-time Grand Slam seeking her first berth in a Wimbledon final.
"It's a pleasure to be a part of the second week of a Grand Slam, especially at Wimbledon," she said.
Americans Sloane Stephens and Christina McHale were eliminated in the third round. The 19-year-old Sloane Stephens was beaten by Sabine Lisicki 7-6 (5), 1-6, 6-2, and the No. 28-seeded McHale lost to No. 8 Angelique Kerber 6-2, 6-3.
No. 3 Agnieszka Radwanska defeated Britain's Heather Watson under the roof, 6-0, 6-2.
Djokovic has the weekend off and said he might squeeze in a round of golf. His fourth-round opponent will be 34th-ranked Viktor Troicki in an all-Serbian match. Troicki beat No. 15-seeded Juan Monaco 7-5, 7-5, 6-3.
Fans were still buzzing about Rafael Nadal's second-round defeat, which ended under the roof Thursday night, when Djokovic stepped onto the same court. His slow start briefly stirred speculation about another upset.
"I was a set down but managed to make the crucial break in the opening game of the second set," Djokovic said. "And then I thought I played really well."
Stepanek, at 33 the oldest man left in the tournament, repeatedly played serve and volley and had Djokovic on his heels in the early going. Djokovic hit an improbable winner that skipped off the top of the net post and still lost the first set.
Then the match quickly swung his way, and the 28th-seeded Stepanek couldn't compete with Djokovic's mistake-free play. The Serb committed just 13 unforced errors in 221 points.
The match remained entertaining even as it became lopsided. One game in the final set lasted 26 points and had Djokovic smiling at Stepanek's unconventional style, which included a belly flop in pursuit of a shot.
"The fourth set from Novak's side was very impressive," Stepanek said. "I was battling until the end, but the fourth set I felt like no matter what I do on the court, he always answers."
The victory made it two in row under the roof for Djokovic.
"I thought I played great," he said. "But, look, this is an outdoor tournament, so I think everybody wants to play when the roof is open."
Perhaps not Sharapova ? she was outdoors struggling with her serve on windy Court 1 and sent one shot over the net on the bounce for a double-fault.
Has she done that before?
"I'm sure I have," she said. "A lot in practice."
The misfire came on break point and put her behind 2-3 in the second set. She rallied by sweeping the final four games.
Sharapova finished with five double-faults but committed only seven unforced errors on her groundstrokes.
"Considering the conditions, I'm pretty happy with the way I played," she said.
Sharapova won the French Open this month to complete a career Grand Slam title. She won Wimbledon at age 17 in 2004 and has reached the final at three of the past four majors.
The half of the men's draw opposite Djokovic opened up when two-time champion Nadal lost to No. 100-ranked Lukas Rosol of the Czech Republic, 6-7 (9), 6-4, 6-4, 2-6, 6-4.
Nadal had reached the past five Grand Slam finals and won his seventh French Open title this month. He also had reached the final in his past five Wimbledons, winning the title in 2008 and 2010.
His departure creates an opportunity for three-time Wimbledon finalist Andy Roddick and Andy Murray, who seeks to become the tournament's first British champion since 1936. Both are on Nadal's side of the draw.
Associated PressFriday, June 29, 2012
Jelly Bean Ported to the Sprint Galaxy Nexus
It has only been about 24 hours since the first leak of Jelly Bean that was strictly for the GSM Galaxy Nexus, and developers have been on a frenzy. Not only have they ported JB to the Verizon GNex, but the ACS Developers have successfully ported the lovely Android 4.1 to Sprint?s version of the GNex. So now the entire Gnex family gets the chewy treat early, with a pretty stable and mostly everything working ROM. So if you are Sprint and have that pure Google phone, head done to the thread below and get you some of that buttery Jelly Bean. Let us know how it is.
Download Thread
Source: http://feedproxy.google.com/~r/androidspin/feed/~3/nbr75MPuQJo/
reading - Refinance
I am currently in my 2 year soon to be in the 3rd year 5 yr ARM paying on 200000. Question that I have is whether I should refinance that into a 30year fixed mortgage if I end up staying in this house for another 5 years or so.
Basic things about Should i refinance my arm to a fixed rate
Refinancing
To reduce or alter risk (e.g. switching from a variable-rate to a fixed-rate loan) To free up cash (often for a longer term, contingent on interest rate differential and.Adjustable-rate mortgage
A variable-rate mortgage, adjustable-rate mortgage (ARM), or tracker mortgage is a. measure of interest rate certainty to those who gamble with initial fixed rates on ARM.Fixed-rate mortgage
Unlike adjustable rate mortgages (ARM), fixed-rate mortgages are not tied to an index. Instead, the interest rate is set (or ?fixed?) in advance to an advertised rate.Balloon payment mortgage
A balloon payment mortgage may have a fixed or a floating interest rate.. therefore, there is no risk that the lender will refuse to refinance or.Interest-only loan
Combined with little or no down payment, the adjustable rate (ARM. the value of the house, which in turn will make it impossible to refinance the house into a fixed-rate.
I would check with your lender I dont know if there are penalties for changing in between terms. I do know you are better off in a fixed mortgage. Ask around before you do anything.
Since the Small Business Jobs Credit Act was passed a year ago weve been able to finally use SBA 504 loans to refinance commercial property. Fortunately a few hundred business owners have been able to avail themselves of this program to get control over their real estate expenses with the longterm fixedrate financing that a 504 loan provides. But thats about to Another provision in the law mentioned the ability to use SBA 504 Refi proceeds for legitimate business expenses working capital essentially.
This is what some people might call a game changer. Not Chris Hurn the SBA 504 Expert though. He would simply say this is about time. Watch this video to get the full details about these new changes to the SBA 504 Refi Program the one mentioned above isnt the only significant.
.
I would like to know where to find the lowest rates and who tends to be eligible for those lower rates.
Time to RefinanceFixedrate mortgages are at record lows but not everyone qualifies to reap the rewards. By Pat Mertz EssweinJanuary 26 2009Between the housing slump and the credit crunch mortgage lenders last year were as underworked as the Maytag repairman. But now business has picked up nicely thanks to rates that recently dipped to around 5 on a 30year fixedrate mortgage. If you currently have a loan with a rate higher than say 6 or an adjustablerate mortgage ready to reset this could be the time to refinance.
But just before Thanksgiving the Federal Reserve announced that it would purchase 100 billion of mortgages from Fannie Mae Freddie Mac and the Federal Home Loan Banks and 500 billion of mortgagebacked securities backed by Fannie Freddie and Ginnie Mae. That moved the markets to bid up bond prices which lowered mortgage rates dramatically. In mid December the Fed lowered rates again and announced plans to pump money into the system including buying large quantities of mortgagerelated bonds and longerterm Treasury bonds.
No need to rush to your bank or broker. The 30year fixed rate on a conforming loan less than 417000 will run in the low 5s through the first half of 2009 says Keith Gumbinger of financial publisher HSH Associates. A few factors are keeping rates low The economy is still slow inflation is waning and the Feds mortgagebuyback is still getting under way. How long the malaise is in place matters a lot to this forecast he says. Will a refi repayIf you have a fixedrate mortgage and think youll save money by refinancing run the numbers using the calculators at Mortgage Professor.
Closing costs typically run 2 to 4 of the loan amount 4000 to 8000 on a 200000 loan. If you have an ARM about to reset the math is trickier. The indexes that underlie rate resets on ARMs have dropped along with the 30year fixed rate. If you have an ARM tied to the oneyear Treasury index and were due for a rate reset in mid January you could have anticipated a new rate of a oneyear Treasury index value of plus a typical margin of percentage points. The London Interbank Offered Rate LIBOR which rose to record highs this past fall as banks kept a tight rein on lending hasnt been so tame.
Some loans have a downward as well as an upward cap on adjustments. ARMs with an initial fixedrate period of three years that then convert to a oneyear ARM typically have a cap of two percentage points that is each adjustment cant exceed two points. ARMS with rates fixed for the first five seven and ten years typically have a cap of five points on the first adjustment and two points thereafter. Before you shop check your mortgage contract to see what index your ARM is based on and the margin thats added to get your full rate.
If your ARM is tied to a Treasury index you may want to refinance sooner than later. Gumbinger says that Treasury indexes probably wont go much lower than they already have and will probably begin to rise as 2009 rolls along and the financial markets start to return to normal. On the other hand the LIBOR still has some room to decline so you may want to sit tight through this reset. See link for info on qualifications.
I have one loan for about 650k 6 and a second of 160k for 11. I can now refinance with out a penalty. I want to save more money each month so what should I do I do plan to stay with the home for more than 10 years maybe forever. In the next 5 years I plan or want to add a second story to the property. Please Thanks.
You have multiple options available to you just with the different products on the market currently. You can do fully amortized loans interest only 40 and 50 year amortized products and even option arms with minimum payments and negitive amortization. Where I would start if I was your loan officer would be to see exactly what type of payments you currently have including revolving debt car payments student loans personal loans and so on. With this information I would then determine what you mandatory cash out flow would be monthly for the 2 home loans and other debt.
This may included consolidating your existing 1st and 2nd together with or without cash out depending on your current equity maybe paying off your current 2nd only and replacing it with a lower interest The list goes on. For myself I would determine how much equity is in the property by looking at comparible sales in my neighborhood. This would give me an idea of what my home is currently worth. From there I would determine if I have enough equity to consolidate the 1st and 2nd into 1 new loan even at a slightly higher rate your saving money that having 1 loan at a low rate and a 2nd at a high rate.
Not only will I see less money out of pocket per month but there can be tax advantages as well. You mention wanting to add onto the home in 5 or so years. Do you plan on taking funds from the equity in the home at that time If so refinancing into another long term fixed product may not be in your best interest. You may want to look into a 7 year fixed ARM for the lower rate especially if your going to go through all of this again in 5 years. Paying extra for a 30 year fixed which is going to be refied in 5 years does not make sense.
Kevin 8665626838 x 106kruorock.
When should you refinance your home if you have a 5 year arm.
It depends on when your ARMs fixed interest rate period is set to expire. As a mortgage professional I always recommend that my clients refinance out of an ARM after the prepayment penalty period expires if there is one and when the initial low fixed rate period is over. If youre credit is in good shape you may qualify for a similar rate on a 30 year fixed mortgage.
My HARP 2 refinance quote: is it good
Quote from shanhoss HiI got a HARP2 refinance Quote from my lender I am undrwater my loansettlement cost 9k. Currently I have an interest only ARM. My lender quickenloan is sayinngby more than 20 since mine is intrest only now a 30 yr fixed would increase my paymennt. Also do .
Quote from shanhoss HiI got a HARP2 refinance Quote from my lender I am undrwater my loan settlement cost 9k. Currently I have an interest only ARM. My lender quickenloan is sayinng by more than 20 .
National Mortgage Settlement ? My experience
Trying to refinance my loan serviced by Wells fargo with Bank of America as investor. I was toldby Wells fargo that i dont qualify for refinance under the AG settlement. Bank of America says i doyrs to get my ARM loan refinanced to a 30 yr fixed but I cant refinance because I owe 100k ? .
Yrs to get my ARM loan refinanced to a 30 yr fixed but I cant refinance because I owe 100k more current on my mortgage payments but I just want a chance to convert this ARM to a Fixed Rate. Any .
Home Buying: Why do realtors want me to apply to their mortgage company instead?
Why do realtors want me to apply to their mortgage company instead of my own chosen lenderdeal my client laying on the table I go in with my anesthesiologist and my nurse. These are who has been doing mortgages for a little bit into the operating room my team gets a little .
Deal my client laying on the table I go in with my anesthesiologist and my nurse. These are people Tilly who has been doing mortgages for a little bit into the operating room my team gets a little interests of the .
I get to keep my house!
Of more years lol.My lender calls me up and offers to restart my 5 year ARM and with a2 lower on a 30 year fixed ladies and gents ironically my mortgageis that they cant change it to a 30 yearfixed. But hopefully in 5 years my house value will at least .
Lt on a 30 year fixed ladies and gents ironically my mortgage is that they cant change it to a 30 yearfixed. But hopefully in 5 years my house value will at least have on lt .
Not in Trouble Financially, but House?
I eligible I have been blessed not to be suffering with foreclosure and inability to pay my firstrate 2nd mortgage and yet cannot sell our house or refinance due to the high amount left on the 2ndround. Having a fixed ratearm after 5 years I knew my rate would come down on its own. Now .
Round. Having a fixed ratearm after 5 years I knew my rate would come down on its own. Now my first mtg rate is 4 6 mo. LIBOR going to change again and my 2nd is fixed at I also in my .
Mortgage refinancing?
Year arm which expires atthe end of 2012. My current rate is He can put me into a fixed call today from my mortgage broker. I guess his sales aredown. He wants to refinance me out of Chases best deal is a 20 year fixed at 1 point and 4k closingcosts. Maybe my .
TheirChases best deal is a 20 year fixed at 1 point and 4k closingcosts. Maybe my. Youve got some time before that arm I got out of my original 3 year arm with a 15 year was .
Floating Suction For Storage Tank ? Refining, Hydrocarbons, Oil, and Gas
Posted 18 June 2012 0505 AMOne of my clients is asking for floating suction of HFO LDOstorage tank.Type tank Fixed roofTank Effective capacity 1000KL for HFO 500 KL for LDOTank heightPlease note that we are going to proceed with double arm type floating suction.Regards .
Please note that we are going to proceed with double arm type floating suction.Regards that link already. And I understood the type and need of floating suction. Now my main doubt is my .
Refinancing Question
Hi Im considering a refinance but I have a few unusual aspects that most online calculators dontcover so Im curious to get any adviceinfo on what seems like the best course of action. My infoLet me confuse you even moreId probably consider a 71 ARM. I say that because if youre likely .
Let me confuse you even moreId probably consider a 71 ARM. I say that because if youre likely this would make sense. Hmmm interesting. My only worry is that I honestly dont have a set time for leaving my current home I .
Design & Equip Your Own Armed Forces
Craft Utility As power these days comes through money my nation is based on a hypothetical corporate. Im open for suggestions and discussion on all matters and criticism on my list once its postedcutbacks like merging all of my local regiments into one REGIMENT etcetera. Well as I understand .
Craft Utility As power these days comes through money my nation is based on a hypothetical corporate. Im open for suggestions and discussion on all matters and criticism on my list once its posted cutbacks like merging all of .
Refi Madness (Again)
refinance frenzy as homeowners rush to reduce their housingpayments.The average rate for a 30year fixed mortgage dropped to lastweek according to the Mortgage Bankers Association morethat this is a good thing as long as homeowners are getting into fixed rate mortgages that they can afford .
That this is a good thing as long as homeowners are getting into fixed rate mortgages that they can afford probably be chomping at the bit to eitherrefinance or buy a house. Experience however tells me to be and I wonder how much .
Like Gold Refined
An excerpt from Like Gold Refined by Janette Oke published by Bethany House Publishers Her Character Has Been Shaped and Tempered by Both Adversity and Triumph. If Virginia could have chosen to accept or discard all the changes that came her way, she gladly would have let most of them pass right by herself and her family.
But a change that is tearing at her heart is the gradual but steady physical decline in Grandma Marty and Grandpa Clark. She cannot imagine their familiar farm home without their welcoming smiles and their words of wisdom that arise from of decades of life experiences and a solid faith in God. And their lovely daughter Mindy, who has blessed their home ever since her mother left the tiny child with them, has been encouraged and guided to pray for that mother all these years.
Subprime mortgage crisis
Belief they would be able to quickly refinance at more favorable terms. an increase in 1-year and 5-year ARM rates, making ARM interest rate .
Causes of the 2007?2012 global financial crisis
The initial grace period ended would try to refinance their mortgages. (ARM) rates, making ARM interest rate resets more expensive for .
Early life and military career of John McCain
There was a fixed Bachelor of Science curriculum taken by all the ejection fractured McCain?s right arm in three places, his left arm, and .
Federal takeover of Fannie Mae and Freddie Mac
Push-down 45-year mortgage terms and fixed, low interest rates, implementing the Making Home Affordable and the Home Affordable Refinance programs. .
Louisiana Tigers
Educated under influences the most pious and refining, he was Corcoran himself, angrily dispersed the foragers with fixed bayonets or Bowie Knives. .
Horatio Nelson, 1st Viscount Nelson
He was wounded several times in combat, losing one arm and the sight following weeks preparing and refining his tactics for the anticipated .
STS-132
Elbow part of the European Robotic Arm (ERA) and a portable work com/2009/10/sts-132-nasa-refines-processing-targets-for-atlantis-final- .
Starscream
His arm is mounted with launchers (mounted under his wings in jet Vortex the helicopter out of a crashed World War II fixed-wing aircraft). .
Presidency of Jimmy Carter
Which had left fixed investment at its lowest level since the 1970 the shutdown of Amerada Hess refining facilities, led to a lawsuit .
List of United States Marine Corps acronyms and expressions
The battlefield designated for the re-arming and re-fueling of aircraft. fast-mover ? fast-moving fixed-wing aircraft ; term popular .
Source: http://www.lintasbusiness.com/should-i-refinance-my-arm-to-a-fixed-rate/
San Francisco Special Needs Dental Blende Dental Group to host ...
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San Francisco (PRWeb) 13 ??? ????? 2012
San Francisco office of special needs dentistry, our team at Blende Dental hosts a free autism awareness event Wednesday, June 20, 2012 from 5:30 to 7 PM. Autism and the event will include special presentations of oral health San Francisco sedation dentist, Dr. David Blende, and experts from the spectrum disorder communities autisms impact on oral health. RSVP required.
Autism is a disorder that affects a large population, but many people remain unaware of the prevalence and health effects, said Dr. Blende. We hope to help bridge the knowledge gap so that the lives of children and all people involved with autism may be less difficult in the future.
According http://www.AutismSpeaks.org
, the prevalence of autism is increasing and it is estimated that more children will be diagnosed with autism this year than with AIDS, diabetes and cancer together. Autism is the fastest growing serious developmental disability in the United States, by making 1 in 88 children and 1 in 54 boys. Dr. Blenda recognizes this and says that autism has many consequences for the lives of individuals and, ultimately, can impact overall health and wellness.
Many patients are afraid of dental work
autistic because of a lack of understanding about what the dentist actually do for them, said Dr. Blende. This means that usually the time to go without seeing a dentist, and, of course, that exacerbates the existing dental problems. Fortunately, with the intervention as soon as possible, there can be positive.
For some, like Deborah Harris, mother of RJ Harris, a group of dental patients autistic recent The blende, this sounds familiar to us all. Fortunately for the family and others, the Blende Dental team provides a range of services to meet the diverse needs of their patients. These options include dental sedation (IV sedation with an anesthetist at the clinic or hospital), which allows the patient to be completely asleep during the entire process. For the specific needs of patients who are housebound, home visits could be another option. These options reduce barriers to the provision of dental care for people with autism and other disabilities.
My son is autistic, has Down syndrome and seizures and hadnt had dental work in this, more than 20 years, Harris said. We had already been rejected by many other dental services because of the risk, and a conclusion that even if they were put under general anesthesia, can not return. Dr. Blenda denied this and knew the exact balance of sedation required for a successful outcome.
adds, not only was the team technically sound, but also compassion and ability to work with me and my son, as a member of their group, making the process both efficient and satisfactory.
Together
Dr. Blende, autism and oral health cocktail event will include speakers Emmylou Santos, an analyst Ages behavioral learning solutions and dental assistant Victoria Cameron. These professionals will share their ideas to improve the health of dental patients with autism and other developmental disorders. It will cover both the technology to improve daily oral hygiene and a clinical point of view on issues of oral health that arise in this group.
Refreshments will be served during the event, including local wines, summer doeuvres punches, appetizers and desserts, all made by team members Blende Dental community. The event is free and visitors are invited to respond to the community () drblende (dot) com or (415) 563-4261.
For more information about The ability to identify the Blende Dental Teams therapy for their patients to call at (415) 563-4261 or toll free 1-800-575-3375 during normal business hours or call 1 ? 877-07-HOUSE (1-877-468-7307) for dental emergencies 7 days a week, 24 hours a day.
San Francisco Dental Office is located at 390 Laurel Street in Presidio Heights. Visit http://www.blendedentalgroup.com/ make an appointment and see the full range of services. If you are active on social media, do not hesitate to get in touch with educational campaigns and events through Facebook.
About Blende Dental Group
Blende Dental Group is a medical-dental team that focuses on providing dental disabilities in San Francisco and throughout the Bay Area. In particular, the Blende Dental Group provides sedation dentistry San Francisco or in the office or in one of eight hospitals in the Bay Area, which are blende dentists on staff. The Blende Dental Group also serves the Bay Area that surrounds the house calls to people with mobility problems within a radius of 60 miles of San Francisco.
Blende Dental Group is an accredited member of the Better Business Bureau and other recognized groups and has been featured in USA Today Weekend, the San Francisco Chronicle, Exceptional Parent, Alzheimer?s Association newsletter and the magazine capacity, among other publications. There have also been featured in ABC 7 (KGO) Dr. Dean Edell, and in New NBC (KNTV) News San Francisco Bay Area.
clear = ?all?
More autistic href = ?http://www.autism-connection.org/category/autistic-needs?>
Asian markets, euro jump on eurozone deal
[ [ [['Connery is an experienced stuntman', 2]], 'http://yhoo.it/KeQd0p', '[Slideshow: See photos taken on the way down]', ' ', '630', ' ', ' ', ], [ [['Connery is an experienced stuntman', 7]], ' http://yhoo.it/KpUoHO', '[Slideshow: Death-defying daredevils]', ' ', '630', ' ', ' ', ], [ [['know that we have confidence in', 3]], 'http://yhoo.it/LqYjAX ', '[Related: The Secret Service guide to Cartagena]', ' ', '630', ' ', ' ', ], [ [['We picked up this other dog and', 5]], 'http://yhoo.it/JUSxvi', '[Related: 8 common dog fears, how to calm them]', ' ', '630', ' ', ' ', ], [ [['accused of running a fake hepatitis B', 5]], 'http://bit.ly/JnoJYN', '[Related: Did WH share raid details with filmmakers?]', ' ', '630', ' ', ' ', ], [ [['accused of running a fake hepatitis B', 3]], 'http://bit.ly/KoKiqJ', '[Factbox: AQAP, al-Qaeda in Yemen]', ' ', '630', ' ', ' ', ], [ [['have my contacts on or glasses', 3]], 'http://abcn.ws/KTE5AZ', '[Related: Should the murder charge be dropped?]', ' ', '630', ' ', ' ', ], [ [['have made this nation great as Sarah Palin', 5]], 'http://yhoo.it/JD7nlD', '[Related: Bristol Palin reality show debuts June 19]', ' ', '630', ' ', ' ', ], [ [['have made this nation great as Sarah Palin', 1]], 'http://bit.ly/JRPFRO', '[Related: McCain adviser who vetted Palin weighs in on VP race]', ' ', '630', ' ', ' ', ], [ [['A JetBlue flight from New York to Las Vegas', 3]], 'http://yhoo.it/GV9zpj', '[Related: View photos of the JetBlue plane in Amarillo]', ' ', '630', ' ', ' ', ], [ [['the 28-year-old neighborhood watchman who shot and killed', 15]], 'http://news.yahoo.com/photos/white-house-stays-out-of-teen-s-killing-slideshow/', 'Click image to see more photos', 'http://l.yimg.com/cv/ip/ap/default/120411/martinzimmermen.jpg', '630', ' ', 'AP', ], [ [['He was in shock and still strapped to his seat', 6]], 'http://news.yahoo.com/photos/navy-jet-crashes-in-virginia-slideshow/', 'Click image to see more photos', 'http://l.yimg.com/cv/ip/ap/default/120406/jet_ap.jpg', '630', ' ', 'AP', ], [ [['xxxxxxxxxxxx', 11]], 'http://news.yahoo.com/photos/russian-grannies-win-bid-to-sing-at-eurovision-1331223625-slideshow/', 'Click image to see more photos', 'http://l.yimg.com/a/p/us/news/editorial/1/56/156d92f2760dcd3e75bcd649a8b85fcf.jpeg', '500', ' ', 'AP', ] ]
[ [ [['did not go as far his colleague', 8]], '29438204', '0' ], [ [[' the 28-year-old neighborhood watchman who shot and killed', 4]], '28924649', '0' ], [ [['because I know God protects me', 14], ['Brian Snow was at a nearby credit union', 5]], '28811216', '0' ], [ [['The state news agency RIA-Novosti quoted Rosaviatsiya', 6]], '28805461', '0' ], [ [['measure all but certain to fail in the face of bipartisan', 4]], '28771014', '0' ], [ [['matter what you do in this case', 5]], '28759848', '0' ], [ [['presume laws are constitutional', 7]], '28747556', '0' ], [ [['has destroyed 15 to 25 houses', 7]], '28744868', '0' ], [ [['short answer is yes', 7]], '28746030', '0' ], [ [['opportunity to tell the real story', 7]], '28731764', '0' ], [ [['entirely respectable way to put off the searing constitutional controversy', 7]], '28723797', '0' ], [ [['point of my campaign is that big ideas matter', 9]], '28712293', '0' ], [ [['As the standoff dragged into a second day', 7]], '28687424', '0' ], [ [['French police stepped up the search', 17]], '28667224', '0' ], [ [['Seeking to elevate his candidacy back to a general', 8]], '28660934', '0' ], [ [['The tragic story of Trayvon Martin', 4]], '28647343', '0' ], [ [['Karzai will get a chance soon to express', 8]], '28630306', '0' ], [ [['powerful storms stretching', 8]], '28493546', '0' ], [ [['basic norm that death is private', 6]], '28413590', '0' ], [ [['songwriter also saw a surge in sales for her debut album', 6]], '28413590', '1', 'Watch music videos from Whitney Houston ', 'on Yahoo! Music', 'http://music.yahoo.com' ], [ [['keyword', 99999999999999999999999]], 'videoID', '1', 'overwrite-pre-description', 'overwrite-link-string', 'overwrite-link-url' ] ]
Source: http://news.yahoo.com/asian-markets-euro-jump-eurozone-deal-085818420--finance.html
Bob Mansfield, Apple's SVP of Hardware Engineering, is Retiring
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Recent Apple News Entries
2012-06-28 23:01:59 - Bob Mansfield, Apple's SVP of Hardware Engineering, is Retiring
2012-06-28 21:53:00 - All 100 of Atari's Greatest Hits Games Are Free Until Midnight!
2012-06-28 20:56:58 - Watchup Makes It Easy to Watch Video News on Your iPad
2012-06-28 19:42:15 - Google's Chrome Browser is Now Available to Download for iOS
2012-06-28 18:42:59 - Google Chrome Browser Will Launch on iOS Today [Video]
2012-06-28 18:32:11 - Google Releases Google Drive App for iOS
2012-06-28 17:20:41 - Blogsy 4.0 Brings Support for Squarespace, MetaWeblog, Joomla, Instagram
2012-06-28 16:38:36 - Comedian Louis C.K. on the iPhone and iCloud [Video]
2012-06-28 16:24:16 - Gameloft Releases The Amazing Spider-Man Game for iOS
2012-06-28 16:16:51 - Thor Tweak Lets You Specify Applications That Should Use Wi-Fi
[more][rss]
Apple today announced that Bob Mansfield, Apple's senior vice president of Hardware Engineering, will retire and the role will be transitioned to Dan Riccio, Apple's vice president of iPad Hardware Engineering, over several months. The entire hardware engineering team will continue to report to Mansfield until his departure.
"Bob has been an instrumental part of our executive team, leading the hardware engineering organization and overseeing the team that has delivered dozens of breakthrough products over the years," said Tim Cook, Apple's CEO. "We are very sad to have him leave and hope he enjoys every day of his retirement."
"Dan has been one of Bob's key lieutenants for a very long time and is very well respected within Apple and by the industry," added Cook. "Our hardware engineering team is the best engineering team on earth and will not miss a beat during the transition."
As senior vice president of Hardware Engineering, Mansfield has led Mac hardware engineering since 2005, iPhone and iPod hardware engineering since 2010, and iPad hardware engineering since its inception. Mansfield joined Apple in 1999 when Apple acquired Raycer Graphics, where he was vice president of Engineering. Mansfield earned a BSEE degree from the University of Texas at Austin in 1982.
Riccio currently serves as vice president of iPad Hardware Engineering and has been instrumental in all of Apple's iPad products since the first generation iPad. Riccio joined Apple in 1998 as vice president of Product Design and has been a key contributor to most of Apple's hardware over his career. Dan earned a bachelor's degree in Mechanical Engineering from the University of Massachusetts Amherst in 1986.
Recent Apple News Entries
2012-06-28 23:01:59 - Bob Mansfield, Apple's SVP of Hardware Engineering, is Retiring
2012-06-28 21:53:00 - All 100 of Atari's Greatest Hits Games Are Free Until Midnight!
2012-06-28 20:56:58 - Watchup Makes It Easy to Watch Video News on Your iPad
2012-06-28 19:42:15 - Google's Chrome Browser is Now Available to Download for iOS
2012-06-28 18:42:59 - Google Chrome Browser Will Launch on iOS Today [Video]
2012-06-28 18:32:11 - Google Releases Google Drive App for iOS
2012-06-28 17:20:41 - Blogsy 4.0 Brings Support for Squarespace, MetaWeblog, Joomla, Instagram
2012-06-28 16:38:36 - Comedian Louis C.K. on the iPhone and iCloud [Video]
2012-06-28 16:24:16 - Gameloft Releases The Amazing Spider-Man Game for iOS
2012-06-28 16:16:51 - Thor Tweak Lets You Specify Applications That Should Use Wi-Fi
[more][rss]
Follow iClarified
The iClarified Newsletter is sent once a day and includes any news or tutorials posted in the last 24 hours. To signup for the Newsletter click here. Make sure you choose "Yes" to be added to our Mailing List.Source: http://www.iclarified.com/entry/index.php?enid=22900
Man dies after being convicted in Ariz. arson case
PHOENIX (AP) ? A man collapsed in court and died after being convicted Thursday of deliberately burning down his $3.5 million Phoenix mansion.
Maricopa County sheriff's deputies said they were investigating whether Michael Marin put something in his mouth that led to his death after the verdict was read.
"We will have to wait until we get toxicology reports from the medical examiner until we can confirm if he did and what the substance was," sheriff's spokesman Jeff Sprong said in a written statement.
A jury had found Marin, 53, guilty of arson of an occupied structure. When his trial began in May, prosecutors said he faced up to nearly 16 years in prison if convicted.
Video from inside the courtroom showed Marin putting his hands over his eyes after the verdict was read and then covering his mouth with both hands.
As Judge Bruce Cohen and lawyers were discussing aggravating factors and the jury was out of the courtroom, Marin's face suddenly turned red and he began to make throat-clearing noises before he collapsed to the floor.
Marin's attorneys tried to assist him, and paramedics were called. Rescuers performed chest compressions but Marin was pronounced dead at a hospital.
Calls to his lawyer, Lindsay Abramson, and to the county medical examiner's office weren't immediately returned Thursday afternoon.
Prosecutors claimed Marin torched his Biltmore Estates mansion, near the Phoenix-Paradise Valley border, in July 2009 after it didn't sell at a charity auction. He had offered the 10,000-square-foot property to raise money for a Mesa-based child-welfare organization.
Prosecutors said Marin couldn't afford the monthly mortgage of $17,500 and had a balloon payment of $2.3 million coming due.
Authorities said Marin escaped the fire by climbing down a rope ladder while wearing a scuba tank and diving mask to protect him from the smoke.
Phoenix Fire Department investigators noted "four separate areas of origin" ? two upstairs and two downstairs ? and a Phoenix crime lab analysis revealed gasoline in two areas of the mansion.
Marin was a former attorney, banker and art collector who had nearly $900,000 in the bank in 2008 but only $50 at the time of the fire, the Arizona Republic reported.
Associated PressResearchers develop spray-on batteries
A team of researchers from Rice University has found a way to power almost any object by spraying with a paint that has been formulated to function as a battery.
Ceramic tiles coated with battery paints and then heat-sealed powered LEDs spelling out "RICE" for six hours in an experiment at Rice University. The lithium-ion batteries can be painted on virtually any surface.
Jeff Fitlow/Rice University
EnlargeThe rechargeable lithium-ion batteries now found in many mobile phones and laptops may one day be sprayed like paint onto virtually any surface, potentially ushering in a new generation of thin, flexible devices, researchers say.
Skip to next paragraph' +
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Spray-paintable batteries even might become available to the general public someday at hardware stores, the scientists added.
Lithium-ion batteries power most portable electronics nowadays, but their spiral, jelly-roll-like design generally limits them to rectangular or cylindrical shapes.
['Smart Clothing' Could Become New Wearable Gadgets]
Now researchers have succeeded in painting these batteries onto a diverse range of surfaces, including glass slides, stainless steel, flexible plastic sheets, glazed ceramic tiles, and even the curved side of a beer mug.
"We can convert almost any object to a battery," Neelam Singh, a materials scientist at Rice University in Houston, told InnovationNewsDaily.
He and other researchers spent painstaking hours formulating paints that could function as the separate components of a battery. In their search, they looked at materials as diverse as carbon nanotubes and ultrafine graphite powders. They next painted these ingredients in layers in the proper order onto surfaces to create the batteries.
"Spray painting is already an industrial process, so it would be very easy to incorporate this into industry," Singh said.
Batteries that the researchers printed onto nine ceramic bathroom tiles could readily power 40 red LED lights. One of these battery tiles was topped with a solar power cell that helped charge the batteries, suggesting the researchers could give any surface the capability to both harvest and store energy.
The material onto which the batteries were painted apparently had no effect on the performance of the devices. This suggests this technology could find its way into a wide range of construction materials and household objects.
"You could turn your home into a battery," Singh said.
The researchers do caution that fabricating these batteries requires the use of toxic, flammable and potentially corrosive materials in an oxygen-free and moisture-free environment. Employing safer battery materials along with oxygen- and moisture-resistant paints could allow even the general public to spray-paint batteries.
[Transparent Batteries Help Mobile Devices Go See-Through]
"People paint their homes and cars often," Singh said. "I think it will be possible for people to paint batteries themselves."
The scientists have filed for a patent on their work. They detailed their findings online June 28 in the journal Scientific Reports.
Follow InnovationNewsDaily on Twitter @News_Innovation, or on Facebook.
Copyright 2012 InnovationNewsDaily, a TechMediaNetwork company. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.
Source: http://rss.csmonitor.com/~r/feeds/science/~3/c8WC5Zr2Tv0/Researchers-develop-spray-on-batteries
Green Your Practice & Save 10% with NAR's Green Designation ...
NAR PULSE?This innovative three-day program will get you up to speed on the latest advancements in the green industry and homes with green features. Learn how to leverage sustainable practices for your clients and your business by taking the online designation bundle at REALTOR? University. Plus, receive a 10% discount by entering ?GREENNOW? during checkout. [...]
RISMedia ? Real Estate
Palestinian: US supports 'an apartheid system'
BETHLEHEM, WEST BANK ? At the Aida Refugee Camp, a few blocks from Israel?s separation wall, is the Al Rowwad Cultural and Theater Center founded by Dr. Abdelfattah Abusrour in 1998 with the philosophy of ?beautiful resistance? against the Israeli power over their land.
Abusrour is part of the first generation of children born to refugee parents in the Aida Refugee Camp, which was established in 1950 between the towns of Bethlehem and Beit Jala. It is now home to around 5,000 inhabitants all descendants from the 1948 expulsion from Palestine.
Abusrour considers himself ?fortunate? to have gotten a scholarship to study in France, where he stayed for nine years and got his master?s and Ph.D in biological and medical engineering. But his heart was always also with theater, painting and photography. He came home with the dream of working with children to help shape the future of a Palestinian state.
The center started working with children in refugee camps in the area of Bethlehem and Bet-Jala, but then spread all over the West Bank with mobile ?beautiful resistance? programs in theater, dance and music training.
He explained the center?s philosophy: ?Resistance, because we are under occupation still until today and we have this right to resist the occupation; and beautiful, to reflect all this beauty, this humanity, this culture, this heritage, this beautiful heritage of unarmed struggle that the Palestinians have carried over the years even before Gandhi and Martin Luther King.?
?
U.S. is ?supportive of an apartheid system that is suffocating us?
The center takes some of the children to tour and perform internationally.
?We go internationally to give the children the possibility to see real, free and peaceful countries without checkpoints, without tear gas, without occupation soldiers,? said Abusrour.
Children have toured in the United States, among many other countries.?
Abusrour says he was very eager to tour with the children in the U.S. because it is the richest, most powerful democracy in the world. But he also wanted to show them that even in the biggest democracy, injustice can be found.?
NBC News speaks with citizens from around the globe, asking the question, 'What Does America Mean to You?'
?We took our children to poor areas like Afro-American neighborhoods because it was important for me to show them as Palestinians that there are equal injustices in other places of the world,? he said.
While he appreciates the power of the U.S., Abusrour believes that as a country, it is not living up to its ideals. ?
?The United States of America is a country like any other country. It has its beauty and faults," said Abusrour. He added that it is "the land of free and the brave, apparently, and they are violating the values that they pretend defending.?
For many Palestinians, it is hard to ignore the long-term support the U.S. has given and continues to give Israel for its security. ?Many find it hard to understand how a country like the U.S., which plays a leading role in shaping the policies of other countries, can help Israel?s continuous violation of the Palestinian?s rights.
?As a Palestinian I see that [the U.S.] is supportive of an apartheid system that is suffocating us, that is continuing a violation of human rights and human values that we share as Palestinians,? said Abusrour. ?I see the governments of the United States of America, one after the other, supporting this illegal occupation.??
This story is part of a series by msnbc.com and NBC News?"What the World Thinks of US". The series aims to check the pulse on current perceptions of America's global stature during the election year and ahead of our annual Independence Day.
Share your thoughts about this story and our series on Twitter using?#AmericaMeans?
For many Pakistanis, 'USA' means 'drones'?
One man's mission: Promote Chinese patriotism in the face of Western onslaught
In South Africa: 'My head says China is number one, my heart says America'
Not all Thais are Gaga about America
Family moves from the Bronx to Jerusalem, but US remains land of 'liberty and freedom'
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Fabregas delivers again with penalty for Spain
By PAUL LOGOTHETIS
AP Sports Writer
Associated Press Sports
updated 7:54 p.m. ET June 27, 2012
DONETSK, Ukraine (AP) -Four years after delivering the penalty credited with starting Spain's era of dominance, Cesc Fabregas has ensured the country's golden run lives on.
Fabregas scored the decisive spot kick against Portugal on Wednesday to send Spain back to the European Championship final. Spain will play either Germany or Italy in Sunday's final in Kiev, where it can become the first team to win three straight major championships.
"I had this intuition that we could advance if we went to penalties and that's what we did," Fabregas said. "I was going up to take the fifth penalty and I already felt that I would do it. There's a lot of emotions (when stepping up to take a penalty)."
At Euro 2008, it was also Fabregas who converted the winning penalty in a shootout victory over Italy in the quarterfinals, which Spain's players have said put the team on course for trophy success.
Fabregas' penalty against Italy four years ago secured Spain's passage into the semifinals, where it beat Russia before a 1-0 win over Germany in the final for its first title in 44 years. In the 2010 World Cup final, Fabregas delivered the pass for Andres Iniesta to score the extra-time winner to beat the Netherlands and win the tournament in South Africa.
Spain's players have often credited Fabregas' penalty as lifting the fog of underachievement at major tournaments, where it always arrived with talent but never lived up to expectations.
Now, Spain has a chance to become the first team to win three straight major titles.
"I played poorly, but the team worked really hard," said Fabregas, who replaced striker Alvaro Negredo in the 54th minute. "Being in another final is a miracle. It's really incredible."
Coach Vicente del Bosque said Fabregas indicated he wanted to take the decisive spot kick.
"All five of them offered to shoot the penalties," Del Bosque said. "Cesc told me 'I want to do the fifth one, to be the victorious one."'
Left back Jordi Alba gave Fabregas some inspiration before the Barcelona forward stepped up to the penalty spot.
"When Cesc was going to take the fifth penalty, I told him, 'Look, you have another opportunity to do the same thing as in the previous Euro,"' Alba said.
Fabregas, who has scored two goals in the tournament, hoped his deciding shot delivered some joy to Spanish supporters, who numbered a few thousand in the Donbass Arena.
"I hope they will all go to party," said Fabregas, whose penalty just came off the inside the left post and stayed in.
---
Paul Logothetis can be reached at: www.twitter.com/PaulLogoAP
? 2012 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.
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ReutersCairn India down after Cairn Energy sells shares
MUMBAI: Shares of Cairn India dropped more than 6 per cent after two sources familiar with the matter told Reuters its UK parent sold part of its stake to a clutch of institutional investors at a discount.
Cairn sold about 66.8 million shares in the Indian unit, offering the shares at 307.40 to 317.50 rupees according to a term sheet seen by Reuters on Thursday, below its 327.35 rupee closing price that day.
Cairn India shares were last down 6.4 per cent at 306.40 rupees.
Citigroup was the book runner to the transaction, the sources said.
On Thursday, sources have told Reuters that the British oil explorer plans to sell about 3.5 per cent of its holding in the company.
How to Close The Deal With Offline Business ... - Business Negotiation
1:00 PM By Article Directory
'; div.innerHTML = summary; } //]]> How to Close The Deal With Offline Business Owners How to Close The Deal With Offline Business OwnersAs an online marketer approaching an offline business owner, it is crucial to remember that you need to find out as much as possible about their business. Therefore it is wise to make a list of questions that you can use at your initial meeting with the owner. Your questions need to find out how long they have been in business as well as what they have been doing to promote their business.
This asking and listening process builds a rapport with the client and the greater the rapport you build, the easier it will be to build a loyal customer base. The better you understand what has been going on and what the issues are, the better you will be able to create a business plan that will help them grow their business.
One of the key pieces of information you will need to gather is whether or not they have an existing mailing list. The existence of such a list will be a valuable tool in creating a website for them. In talking about the mailing list with the client you will be able to explain to them how important such a list is when they have an online presence and how it can be used to build up a sizable base of subscribers to an online newsletter.
Never assume that every client knows this kind of information. If they did they would probably have had an online presence long before. And so it progresses through other facets of the business that you can also tie in with online techniques that will help them grow their business.
When the time comes to start presenting the client with a business plan that outlines what you can do for them, you need to be careful when you talk about results. For example, if you are talking about how an auto-responder can build up a client list then don't make extravagant claims. Be realistic and err on the side of conservatism. This is very important in the negotiation process.
Pricing what you have to offer is an important and inevitable step in the negotiations. Some business owners will try and drive a really hard bargain. Usually that is because they don't perceive and understand the value in what you are offering. It pays to be very firm and to stress the benefits that will accrue if they adopt your package. It also helps to give some concrete numbers, bearing in mind the point already made earlier about extravagance. For example you might say something like, "With your new website and auto responder we could easily add $ 500 a day in new business, giving an additional weekly profit, after expenses of $ 2000."
What you need to do is paint the picture so they can see clearly the resultant gains will far outweigh the initial and ongoing costs. Explain to them honestly and clearly what your costs are in providing the package. Always balance out explaining your costs with outlining the benefits of having a top-notch website that will help them make more money.
Bottom line for you in the negotiation process is that you should never walk away feeling that you have undercut yourself.
The final step in closing the deal is to have a signed agreement. This agreement needs to clearly outline your obligations to the client as well as any monetary terms associated with the deal. A contract that identifies the responsibilities of both parties provides protection for all concerned. From your point of view it covers the unlikely eventuality that a business owner takes your website package and assumes control of it and leaves you with a loss.
Your contract probably will need to be done on the basis of a deposit upfront with the balance payable on completion. This is very likely to be necessary when you are starting out. However, as your business grows and you have a substantial client base and enhanced reputation, you will be able to command a higher upfront deposit.
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