Friday 30 November 2012

GOP's Small Business Tax Talking Point

Of all the arguments Republicans offer to maintain Bush tax cuts for the wealthy, one stands out: The tax increase would be a blow to small business owners. This is misleading?but you can't count on media to get this right.

The CBS Evening News had a segment last night (11/29/12) taking a look at the issue. On its face, there's not much support for the Republican position:? About 2.5 percent of small business owners?a somewhat loosely defined group?would see a tax hike on income above $250,000? (Tax Policy Center, 8/5/10).? This is straightforward; so how do you make it less so? CBS did it by leading off with a business owner who claims he's about to get socked. Wyatt Andrews reported:

Kevin Green owns two flower and gift shops in Alexandria, Virginia. He said raising taxes on the wealthy won't just hurt him?it will hurt his workers and the economy?.? Small business owners typically report business income on their personal taxes. In a good year, Green's income will exceed $250,000, making him one of those taxpayers the president says should pay more?in his case, an estimated $8,000 more.

Remember, if this is all true, that means Green is in the tiny minority of business owners affected by the potential tax increase. Remember, these tax increases would apply to only the income above that $250,000 threshold. Green's claim of an $8,000 increase means that he likely makes substantially more than $250,000. (According to this chart, he would seem to be in the above $500,000 income range.)

So how do you make 2.5 percent sound like a lot? You ditch that number in favor of a total number of affected business (precisely what ABC's Jonathan Karl did back in 2010). So viewers saw this:

Andrews notes that the White House argues that this "small business" category includes people like hedge fund owners?a far cry from the mom-and-pop shopkeeper that Republicans like to talk about. But then he pivots to the Republican counter-argument:

But when Republicans argue higher taxes mean slow down growth, they are thinking about businesses like Kevin Green's.

Well, of course they are. Or at least they say that they are. But journalism should scrutinize these arguments, rather than just repeating them.

This is another attempt to muddy the water in a debate that should be fairly straightforward. This kind of story is a chance for media to do some factchecking. Or, alternatively, to help Republicans flesh out their talking points.

?

?

Source: http://www.fair.org/blog/2012/11/30/gops-small-business-tax-talking-point/?utm_source=rss&utm_medium=rss&utm_campaign=gops-small-business-tax-talking-point

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Original Batmobile from TV series to be auctioned

(AP) ? Batman's ride is up for sale ? just the thing for cruising on those Dark Knights.

The original Batmobile from the 1960s TV series will be auctioned on Jan. 19 at the Barrett-Jackson auction house in Scottsdale, Ariz.

The 19-foot-long black, bubble-topped car was used in the TV show that starred Adam West as the Caped Crusader.

The car's owner ? famed auto customizer George Barris, of Los Angeles ? transformed a one-of-a-kind 1955 Lincoln Futura concept car into a sleek crime-fighting machine. On the show, it boasted lasers and a Batphone and could lay down smoke screens and oil slicks.

And just like Batman, the Batmobile has its secrets. The auction house won't say how much it hopes to get for the car.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/4e67281c3f754d0696fbfdee0f3f1469/Article_2012-11-29-Batmobile%20Auction/id-e1c6d7bf375a474fb5445f4e75e8de6d

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Microsoft confirms Surface with Windows 8 Pro pricing: starting at $899 for 64GB version, shipping in January

Microsoft confirms Surface with Windows 8 Pro pricing starting at $899 for 64GB version

Details on the Pro variety of Microsoft's Surface tablet have been hard to come by since the company first announced it back in June, but it's filled in some big ones today. It's confirmed in a blog post that the device will start at $899 for the 64GB model, with the 128GB version setting you back $999. Both of those are what's Microsoft's dubbing the "standalone" model, which means you'll get a Surface pen/stylus, but have to shell out extra for a Touch or Type Cover (each over $100). Both will be available in January, although there's no specific date or word on pre-orders yet.

As you can see, the device looks similar to the Surface RT, including the same "VaporMg" casing and built-in kickstand, and it also boasts a 10.6-inch display with a 16:9 aspect ratio. A key difference with that latter bit, though, is that the screen packs a full 1920 x 1080 resolution as opposed to the 1366 x 768 found on the RT model. You'll also get a third-gen Core i5 processor with Intel HD Graphics 4000 (no more specifics on that just yet), 4GB of RAM, a Mini DisplayPort that can output a 2560 x 1440 resolution, a full-size USB 3.0 port and, of course, Windows 8 Pro with support for all your traditional desktop applications. All that expectedly makes the tablet itself a bit heftier than its RT-based counterpart -- it's just over half-an-inch thick and weighs in at two pounds on the nose.

Update: The spec list confirmed that the Surface Pro will have a 42 W-h battery, but Microsoft has now also expanded on that in a tweet, saying that the device is expected to "have approximately half the battery life of Surface with Windows RT." Based on our testing of the RT version, that should translate to just over four-and-a-half hours.

Filed under: ,

Comments

Source: Official Microsoft Blog, Microsoft

Source: http://www.engadget.com/2012/11/29/microsoft-confirms-surface-with-windows-8-pro-pricing-starting/

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??????? (the Jinger): Overcoming the Fear of Public Speaking

Last Friday, my friend Ivan came to our Lyceum to do a training on public speaking. He's the same trainer who did the public speaking training at the "Traffick Jam" counter human trafficking seminar?in October, I was so impressed with his training that I invited him to come to my school! I organized this training with our school psychologist, Ira Ivanovna. We had a group of 24 participants, ranging from 8th through 11th grade. If you're wondering why we invited children as young as 8th graders, its because they are already participating in school concerts and competitions by that age - so public speaking is useful for all of them! In fact, Ira liked this training so much that she wants to invite Ivan back to our school over winter break, to conduct the same training for our teachers : )
A fear of public speaking is a world wide problem, its common here as well as back at home in America... so I hope that my students gained a little more confidence and?knowledge?about how to present themselves as good public speakers. First, Ivan talked a little about which situations they might have to give presentations in. Then he showed them some exercises they can do to warm themselves up, especially how to get rid of adrenaline and relax your nerves.
?After the students learned the basics, Ivan split them up into groups of 3 and assigned them random topics. Each participant had to improvise for 3 minutes about something easy like snow, chocolate, grass, shops, love, cups, cars, etc. The other members of their group gave them feedback about the pros and cons of their mini presentations, such as recommendations on how they could improve their gestures for emphasis or eye contact. Then they repeated the?improvisation?exercise again, and most of the students said that they felt more confident speaking the second time. Even though our training only lasted 3 hours, that most of the participants felt like it improved their public speaking abilities and all of them loved Ivan's charismatic presentation. This is the last training that Ira and I will?organize?together at my school, so I'm glad that the students had the opportunity to work with Ivan and build their professional skills! If you'd like to learn more about Ivan and his trainings, you can check out his website (in Russian) at http://ivanbudko.com. I can't believe I'm leaving my site next week to head to Kyiv and COS... but don't worry, I've still got a few things planned for a World AIDS Day project/presentation at my school!

Source: http://thejinger.blogspot.com/2012/11/overcoming-fear-of-public-speaking.html

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Internet Marketing Search Engine Optimization SEM SEO service ...

Identify the areas at which you excel, as well as those in which you need the help of an SEO professional. You?ll find the information in this article helpful, as you begin to take advantage of SEO strategies.

If appropriate, employ the services of a quality SEO company to optimize your website. This will help you market your site effectively and increase your search engine rankings substantially. Many different companies offer reasonable prices and promotions on these services.

Design your site map to incorporate your chosen keywords. A site map allows visitors to easily navigate around your web site. This will increase your search engine rankings, because this sort of tool that supports easy access is highly regarded by the search engine algorithms.

Before you start working with SEO, you need to understand web analytics. If you purchase the software ahead of time, you can see which tactics are successful and then alter things if you need to.

Use good, descriptive text for your site?s title tag so search engines can figure out the relevance of your site?s content, and display your site in lots of search results. Bear in mind that most search engines do not process title tag content beyond 60 characters. This also holds true for keywords appearing at the end of longer tags.

Server headers are a vital part of search engine optimization success. Server headers are of no use to your business if they are set up incorrectly. For instance, if you need to redirect traffic to another location, the server headers need to have a status of ?200 Ok? or ?301 moved permanently.?

By including interactive elements on your website, such as surveys and games, you can increase traffic from your target market. People like taking surveys in order to know they type of user they are, so they would know what style best fits them. You should inquire about what they like to do and what their purchasing habits are. You?ll learn more about your audience this way and they will have fun doing the survey.

Joining organizations like the BBB and your city?s Chamber of Commerce can improve your site?s search engine rankings. This will give you a leg up on local searches, as well as having two major websites link to your own. Plus, you get the added benefit of people trusting your company if you have a good rating on the Better Business Bureau website.

Content is a large factor in SEO. In addition to being keyword driven, the content on your pages needs to be original, easy to understand and a reasonable number of words. Never submit an article that has spelling, punctuation or general grammar mistakes. To improve your search engine rankings, be sure that your site has plenty of relevant content.

Make sure you implement the use of social networking sites as a means to improve your SEO. If you join Youtube, you can show videos of your products and perhaps the way you use them. You can talk directly to your visitors with social media sites.

Write meta tags that engage the reader on each website page, this can help you obtain good search engine results. Doing this will help your rank with search engines because they will use the tags to see and show what your website is about. It is important to write meta tags which are short but informative. Descriptive tags will go a long way in bringing visitors to your website. Your descriptions can lure visitors away from higher-ranking pages, so do not skip this important step.

Your website should be easy to read and navigate. You can increase your search engine ranking by concentrating on keeping your site uncluttered and functional. You can also increase your rankings by adding functions for accessibility such as a tool to increase font size. Optimize your site for both readers and search engines.

Make sure that you have a single page that is designated for one keyword phrase. Confusion is the inevitable result when you try to cram a lot of different keywords into a single page. Focusing on a single topic leads you to include better content, which readers will enjoy and come back for frequently. Building a loyal reader base can far outweigh search engine optimization.

Make use of the ?alt? tags for image links when using SEO to boost your rankings. These tags will replace images if there is an error or if images aren?t enabled by the user. The takeaway message from this paragraph is that Google looks for keywords in alt tags, just like any other text content on your page.

Choose an SEO oriented style over an AP style to improve your site?s search engine positioning. This style simply means increasing the number of times your keyword is repeated without disrupting the writing flow. This will help people bring up more links to your site while searching online.

Now that you have higher rankings as a goal, put these suggestions to the test and move forward with your plans. Utilizing good SEO strategies can help your ranking increase rapidly. You can easily gather and apply the information you need to be successful.

Search Engine Optimization, SEO


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Related posts:

  1. Accomplish Competitive Search Engine Optimization Strategies Using These Suggestions
  2. The Smartest Tips In Search Engine Optimization
  3. Thanks To Search Engine Optimization, Your Website Could Rank Higher In Search Results.
  4. The Best Search Engine Optimization Tips For Your Website
  5. Search Engine Optimization Tips For Online Business Owners

Source: http://www.websitehostdirect.com/search-engine-optimization-strategies-you-can-use/

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Google's Ingress is a gold mine for augmented reality

The new game sees players do battle via smartphones as they roam their city?? but it's paving the way for something even more interesting

THERE'S a battle raging on Massachusetts Avenue. I'm hopelessly outnumbered, trying to take control of a patch of land at the edge of the Massachusetts Institute of Technology. My fighter name is Spottiswoode. I try to seize control of the enemy portal, but get knocked back, losing health. They're too strong here.

This isn't real life. Well, not quite. I'm playing a game called Ingress, which sees players fighting for control of real-world landmarks or monuments - dubbed portals - in their cities. It was released as a mysterious, invite-only beta two weeks ago by a Google spin-off called Niantic Labs. It represents a big step towards ubiquitous, accurate augmented reality (AR), in which real-world objects are annotated with a virtual layer of information that is displayed on a smartphone's camera.

Ingress runs as an Android app, tied to the real world through GPS. You and your smartphone need to be within range of a portal to interact with it. "Exotic matter" (XM) is collected as you explore your town and allows you to take control of a portal. You can then link it with two other portals to create a triangle. Your side now "owns" that territory.

Right now, the area around MIT and Harvard University is a sea of green, the colour of the "Enlightened", with small pockets of blue-coloured "Resistance" up towards Medford and to the south near the Boston Red Sox's stadium. This mix of physical and virtual reality, using accurate location data to tie them together, places Ingress somewhere between a map and full-blown AR.

But it feels like more than just a fun new game. There are rumours that Google's much-hyped AR goggles, dubbed Project Glass, may launch in 2013. Vital to its success will be detailed info overlaid on what wearers see as they walk around outside. Even if the goggles don't emerge next year, a detailed record of where all the Ingress players wander - and the establishments they visit en route - is still a data gold mine for Google to use to improve its location-based services.

Players in less well-covered areas can also suggest that landmarks of interest to them should become new game portals by snapping a geotagged photo with their smartphone.

"This is classic Google," says Blair MacIntyre, director of the Augmented Environments Lab at Georgia Tech, Atlanta. "They may get information about new monuments, and that actually helps them generate more interesting search results, because these are the things that local people say are interesting."

Such photos will show buildings from many angles and could be used to create models that would help computer-vision systems recognise them later. This would help solve a major issue with current AR apps. "Accuracy is one of the biggest problems for AR," says Tobias H?llerer at the University of California, Santa Barbara. "The element missing in commercial products is computer vision."

So while Ingress isn't AR in its own right, its features pave the way for it. "It clearly has AR in mind," says H?llerer. "The data will be immensely valuable."

As I cycle home from work, I stop near a location I'd scouted out previously, one with a weak enemy portal. I attack, using built-up XM to destroy the enemy infrastructure before planting my own, surrounding the portal and turning it blue. On Ingress's built-in chat client, a player called Igashu praises my handiwork. "Good job, Spottiswoode," he says. I feel proud and move on, plotting my next assault upon the enemy's portals.

Virtual guide points out the sights

You can't beat having a local show you around their city, one who knows exactly where you are and points out fascinating details about your surroundings. Now a new smartphone app from Google called Field Trip aims to do just that. The app, only available on Android phones in the US for now, uses Wi-Fi or GPS to place you, then feeds you relevant information about your location, alerting you to interesting places as you pass near them.

The user decides how much or how little info they want, and alerts range from historical facts about buildings to reviews of restaurants and local money-off deals. For those behind the wheel, a driving mode announces details aloud.

If you would like to reuse any content from New Scientist, either in print or online, please contact the syndication department first for permission. New Scientist does not own rights to photos, but there are a variety of licensing options available for use of articles and graphics we own the copyright to.

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Thursday 29 November 2012

U.S. agents arrest ex-soldier wanted for war crimes in Bosnia

(Reuters) - A former Bosnian platoon commander accused of war crimes has been arrested by federal agents in New York on an extradition request from his home country, authorities said on Wednesday.

The U.S. Immigration and Customs Enforcement agency, or ICE, said Sulejman Mujagic was arrested on Wednesday in Utica, New York, by federal agents following an extradition request from the government of Bosnia and Herzegovina.

More than 100,000 people were killed and millions more displaced during the violent breakup in the 1990s of multi-ethnic Yugoslavia, of which present-day Bosnia and Herzegovina formed a part.

Mujagic, 50, has been charged there with unlawful killing of the enemy and unlawful wounding and torture of a prisoner of war while he was commanding a platoon in the army of the Autonomous Province of Western Bosnia during the war, ICE said in a news release.

The charges stem from March 1995, when Mujagic was accused of murdering a captured soldier and torturing another captured soldier who were fighting on behalf of the army of Bosnia and Herzegovina.

Mujagic had lived in Utica since July 1997 as a legal permanent resident. His arrest followed a probe by agents with ICE's Homeland Security Investigations agency, or HSI, as well as other federal and local law enforcement agencies.

"United States and Bosnia and Herzegovina authorities have cooperated on numerous war crimes cases in the past and will continue to work closely together in the future to bring alleged perpetrators of war crimes to justice," ICE said in a statement.

"HSI is committed to rooting out alleged human rights violators who seek a safe haven in the United States," it added.

Since 2004, ICE said HSI had deported more than 400 known or suspected human rights violators from the United States. It currently has more than 180 active investigations and is pursuing more than 1,900 leads and removal cases involving suspected human rights violators from nearly 95 countries.

(Reporting by Tim Gaynor; Editing by Peter Cooney)

Source: http://news.yahoo.com/u-agents-arrest-ex-soldier-wanted-war-crimes-032249606.html

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WebOS raised from the dead again, this time as an Android app [video]

Mitt Romney can take some solace in his devastating loss on Nov. 6: at least he won the voters who really count. That's the thesis anyway of top adviser Stuart Stevens, who penned an op-ed in the Washington Post on Wednesday arguing that by winning wealthier and whiter voters, Romney secured the moral victory over Obama. "On Nov. 6, Mitt Romney carried the majority of every economic group except those with less than $50,000 a year in household income," Stevens wrote. "That means he carried the majority of middle-class voters. ...

Source: http://news.yahoo.com/webos-raised-dead-again-time-android-app-video-035619982.html

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Sorry, Readability was unable to parse this page for content.

Source: http://playak.com/news.php?idd=2180320981282

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Mexico sports reports


Mexico seventh grade girls basketball team traveled to Kirksville on Nov. 20 for their season opener.
The final score was 20-33. Even though we lost, we had sparks of energy that will only get better with more games and playing time for each player," stated MMS coach Stephanie Schutte.
The leading scorer was Adria Costley with 14 points.
Next action for MMS will be Nov. 29 at Warren County.

Source: http://www.mexicoledger.com/article/20121123/NEWS/121129551/1020/SPORTS

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Harris (HRS) Receives Falcon Radios Order From NATO Country ...

(By Balaseshan) Harris Corp. (NYSE: HRS), a communications and information technology (IT) company, said it has received an order worth $11 million from the Ministry of Defence of a NATO country for the Falcon III Secure Personal Radio (SPR).

The order is tied to a new framework contract, similar to an IDIQ, with the potential to reach $20 million over the next year.

The armed forces of the NATO country are acquiring the Harris RF-7800S SPR, advanced headsets and other accessories to provide high-performance voice, integrated hearing protection, wideband data and situational awareness capabilities at the team, squad and platoon levels.

Harris said the soldiers will be able to maintain voice communication in rapidly changing environments and situations, while seamlessly sharing data services and tracking the position of each team member.

The SPR, a core component of the Harris FalconFighter Soldier System, is a lightweight, secure soldier radio platform that offers full-duplex voice, multiple talk-group capabilities and data rates up to 256 Kbps.

The SPR allows simultaneous communication for voice, data and even video with unlimited listeners over a range of more than two kilometers, ensuring reliable connectivity between team members and with command-level intelligence.

The SPR provides continuous coverage in the 350 to 450 MHz frequency range, as well as high-speed USB connectivity to other C4 devices and provides real-time situational awareness with integrated GPS.

Harris RF Communications is a global supplier of secure radio communications and embedded high-grade encryption solutions for military, government and commercial organizations. The company's Falcon family of software-defined tactical radio systems encompasses manpack, handheld and vehicular applications.

HRS is trading down 0.21% at $46.55 on Wednesday. The stock has been trading between $33.75 and $52.23 for the past 52 weeks.

Source: http://www.istockanalyst.com/finance/story/6162815/harris-hrs-receives-falcon-radios-order-from-nato-country

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WSJ: Sharp courting US firms for investments, will trade displays for dollars

WSJ: Sharp courting US firms for investments, will trade displays for dollars

Loans, cuts and mortgages -- Sharp is doing everything it can to meet its "profitable by 2014" pledge, and according to the Wall Street Journal, it's looking to US suitors to lend a hand. Sources close to the company say that it's offering a stake in Sharp to companies like Dell, Intel and Qualcomm in exchange for a capital investment. So far, all four companies have declined to comment, but investors would reportedly score easy access to Sharp displays, a deal that could be a boon for Dell's hardware division. No official numbers have been announced, but the WSJ is being told that Sharp is hoping to take in ¥20 billion (about $240 million) from both Dell and Intel, and is negotiating a more meager investment with Qualcomm.

Filed under: , , ,

Comments

Source: Wall Street Journal

Source: http://www.engadget.com/2012/11/29/wsj-sharp-courting-us-firms-for-investments/

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Wednesday 28 November 2012

Argentina debt fight is magnet for top U.S. lawyers

  • Argentina rejects UK complaints on maritime security regarding the Falklands

    Merco Press - Monday 26th November, 2012

    Argentine ambassador Alicia Castro rejected at the International Maritime Organization, IMO, British complaints on maritime security in Argentine waters and navigation obstacles for British and ...

  • Feds $2.6T Payments System Risks Paralysis As Judge Orders Argentina To Pay Defaulted Bonds

    General Sources - Monday 26th November, 2012

    President Cristina Kirchner swears in Finance Minister Lorenzino: they both spoke against Judge Griesa's decision - Image credit: AFP/Getty Images via @daylife The novelesque drama ...

  • UPDATE 1-Argentina bondholders seek fresh halt on court ordered payments

    General Sources - Monday 26th November, 2012

    * Holders of restructured Argentine bonds file emergency motion * With few options left, Argentina turns to appeals court * U.S. court ruling heightens fears of imminent default By Helen ...

  • Argentina To Battle Claims From Hedge Funds In US Court After Legal Setback

    IBTimes - Monday 26th November, 2012

    A messy legal fight over the fallout from a 2002 sovereign debt restructuring came to a head last Wednesday and was expected to enter a critical phase over the next three weeks, with upcoming ...

  • UK appeals to EU WTO and IMO over latest Argentine ?intimidation? round on the Falklands

    Merco Press - Monday 26th November, 2012

    The UK is pursuing actions through the European Union, the World Trade Organization and the International Maritime Organization following the latest intimidation incidents from Argentina against the ...

  • The Chicago Tribune on the bonds dispute ?Cry for yourself Argentina?

    Merco Press - Monday 26th November, 2012

    The Chicago Tribune, one of the leading Midwest US newspapers has been following closely the dispute in New York courts between the Argentine government and investment funds that are demanding full ...

  • CDS Chart Could Portend More Pain For Argentina ETF

    Nasdaq - Monday 26th November, 2012

    ARGT ) were off just about $0.01 on Monday. That is no small feat given that Argentina, South America's third-largest economy, is inching closer to its second sovereign debt default in the ...

  • Argentina organizing major diplomatic Falklands ?anti-referendum? campaign

    Merco Press - Monday 26th November, 2012

    Argentina has began a major diplomatic campaign in an attempt to deny success to the Falkland Islands March referendum on its nationals? political status, fearing the negative international ...

  • Argentina hopes to reverse NY debt ruling

    San Diego Union-Tribune - Monday 26th November, 2012

    BUENOS AIRES, Argentina -; Argentina is refusing to budge in its billion-dollar debt showdown in New York federal court, preparing an appeal Monday that it hopes will stave off another devastating ...

  • Building More Democratic Families in Argentina

    IPS - Monday 26th November, 2012

    ';The changes are pursuing a more democratic family, that in turn will promote a more democratic state,'; lawyer Nelly Minyersky, a professor in the department of family law in the ...

  • Argentine tango hits Manila

    Inquirer Lifestyle - Monday 26th November, 2012

    HALLEY and her partner understand each other's moves even without speaking. In high heels, statuesque businesswoman, Nina Halley pitches her head back. Her eyes are shut in rapture. Her partner ...

  • Argentinas last stand in battle against bondholders

    Christian Science Monitor - Monday 26th November, 2012

    RELATED: Think you know Latin America? Take our geography quiz! 1) The judge said he would not grant a stay because Argentine President Kirchner has made public statements (different from ...

  • Source: http://www.argentinanews.net/index.php/sid/211006169/scat/d9ed072d737073b4

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    Creating Success from the Inside Out - Chuck It Down

    If you were a fly on the wall of my studio of late, you would find a half-crazed woman with glue on her hands, half-buried alive in boxes full of beads with a trail behind her of camera set-ups and half-made jewelry pieces.? Not to mention the pile of items by the computer yet to be described and added to Etsy.? Perhaps you can identify.? Indeed, it is the holiday season in the land of Etsy shop owners everywhere.

    That?s why it?s serendipitous that the next principle in Jack Canfield?s self-improvement book, Success Principles, is Chunk It Down.? As busy Etsy shop owners in the midst of holiday madness, knowing how to take our goals and break them down into manageable tasks could prove helpful.? At the very least, re-reading this chapter may very well have saved my sanity.

    In this chapter, Canfield discusses making overwhelming goals more attainable by breaking them down into a series of tasks from beginning to end.? He suggests a?couple of?different ways to do this.? One way is to work backwards from successful completion and identify each step along the way.? Another way is to create a mind map.? A mind map is pretty much a to-do list that is set up in a visual way.? Start off by writing your goal in the center of a big piece of paper and circling it.? You can also do this on post-it notes on your wall or on a magnetic board.? I prefer post-its because it?s dynamic (and because I?m completely addicted to them).? Divide your goal into major categories of tasks.? Underneath each of these subcategories you can write your spokes or task items.? You can break it down as far as you need to until you get to individual tasks or steps.? I took my insane and unfocused attempt at my goal and turned it into a mind map that has structure to it (see below).? My major goal is to make a certain amount in sales by the end of the year.? That is written on the orange post-it note in the center of the map below.? Next, I identified my sub-categories (in pink).? In this case, I wrote the vehicles for my profits:? repeat customers, local shop sales, Etsy sales, and craft fair sales.? Lastly, I broke down into steps the things I need to do in order to generate more sales within each of these subcategories.? These tasks are written on small blue post-it notes.? I may break this down even further.

    Once you have your mind map, you can use it to create daily to-do lists.? Ideally, you would create your next day?s to-do list the night before so that you are ready to go in the morning.

    How do you chunk it down?? I?m interested in how you all organize your busy lives so that you can be efficient and focused when you do have time to devote to your business and your shop.? How are your holiday preparations going?? Please share!

    Source: http://hvetsyians.blogspot.com/2012/11/creating-success-from-inside-out-chuck.html

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    Beaches back after Grand Canyon floods

    Sandy beaches have reappeared more than 100 miles (160 kilometers) downstream of Glen Canyon Dam, an early measure of success for a massive flood last week designed to rebuild habitat along the Colorado River in the iconic Grand Canyon.

    However, it will be weeks before scientists know whether the six days of high flows realized the Department of the Interior's goals of moving more than 500,000 metric tons of sediment down the canyon.

    "Surely there are new white sandbars in a lot of places, but what we have learned from doing this in the past is that the devil is in the details," said Jack Schmidt, chief of the U.S. Geological Survey's Grand Canyon Monitoring Center. Test floods in 1996, 2004 and 2008 had some unintended consequences, such as increasing the population of predatory non-native trout.

    Initial tests
    The department ordered the flood, released in a gush from the Glen Canyon Dam starting Nov. 19, to help create beaches and back eddies for campers, rafters and native fish. Since the dam was built in 1966, the only sediment sources for the Grand Canyon are the naturally flowing Little Colorado and Paria rivers, which feed into the Colorado River below the dam. A popular tourist destination, the canyon's beaches and wildlife depend on sand and mud carried by the Colorado River.

    USGS researchers spent the Thanksgiving holiday camped along the river monitoring the flood, Schmidt said. Their samples will help determine if the floodwaters actually moved suspended sediment downriver, among other tests, he said.

    A group from the National Park Service and the USGS left Monday to float downriver and download before-and-after images from cameras mounted in the canyon and collect additional samples. A preliminary report on the flood's aftermath will be presented at a stakeholders meeting in January 2013. [Related: The Grand Canyon in Pictures ]

    "Now starts the hard work of figuring out and understanding the nature of the process that went on during the flood and the environmental impact of the flood," Schmidt told OurAmazingPlanet.

    First new beaches
    National Park staff at Phantom Ranch, a Colorado River crossing with cabins and a campground more than 100 miles (160 km) downstream of the dam, reported new sand at two nearby beaches, said Jan Balsom, deputy chief of science and resource management for Grand Canyon National Park. Roy's Beach, on river right just upstream of Phantom Ranch, has sand for the first time in a number of years, she said. Cremation Camp, a rafter camp upstream on river left, also has new beach sand.

    1. Science news from NBCNews.com

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    "We were hoping to see positive results in the first 60 miles (below the dam), and it looks like we're seeing positive results downstream as well," Balsom told OurAmazingPlanet. "Certainly, the initial indications are anecdotal and fairly random, but we're really excited we got the flow off and we're very hopeful we're going to see positive results throughout the system."

    The high-flow release plan was announced in May by Secretary of the Interior Ken Salazar. Developed after more than 16 years of planning and testing, the strategy allows Grand Canyon flood releases on short notice, without extensive environmental review or planning, through 2020. The order calls for flows from 31,500 to 45,000 cubic feet (892 to 1,274 cubic meters) per second for up to 96 hours in March through April and October through November. Floods during the March through April period are delayed until 2015 to reduce the population of the invasive rainbow trout, which spawn in the spring.

    Reach Becky Oskin at boskin@techmedianetwork.com. Follow her on Twitter @beckyoskin. Follow OurAmazingPlanet on Twitter @OAPlanet. We're also on Facebook and Google+.

    ? 2012 OurAmazingPlanet. All rights reserved. More from OurAmazingPlanet.

    Source: http://www.msnbc.msn.com/id/49986237/ns/technology_and_science-science/

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    THE REAL CRASH: Surviving America's Bankruptcy

    Author and business analyst Peter Shiff was one of the few pundits to predict the 2008 financial crisis. His latest book, "The Real Crash: America's Coming Bankruptcy---How to Save Yourself and Your Country", describes the nature of the crisis yet to come.
    The main problem--and where most of the other problems begin--according to Schiff, is the Fed's manipulation of interest rates. By interfering with the free market value of money, and making it cheaper than the market would dictate, the Fed encourages financial bubbles that then necessarily pop. When a bubble pops, the market needs to correct itself; however, over the past 20 years, the Fed has not really allowed this correction to take place, as every time a bubble pops the Fed has lowered the interest rate even further, causing more money to enter the system and a new bubble to form. First it was dot-com stocks, then it was housing, and now it is government spending.

    As a matter of fact, while government spending has reached new and mind-boggling heights in the recent past, it has actually been ballooning in this direction for years, spurred on largely by the low-interest rates that the Fed has provided. The government has used this borrowed money to maintain and extend social programs (such as Social Security and Medicare), and, more recently, bailout packages for failing businesses and entire industries. All the while, the government has been going deeper and deeper into debt. A big part of what has allowed the American government to borrow as much as it has (and to keep on borrowing now) is the fact that the American dollar is the world's reserve currency, which means it is always in demand, and hence people and organizations have been willing to act as creditors in order to get it. For Schiff, though, the sheer size of the debt, and the fact that it is running away faster and faster everyday (and has no realistic chance of ever being repaid) will sooner or later turn investors away from considering the American dollar a valuable reserve--at which point it will lose its status as the world's reserve, and investors will stop investing in it.

    At this point, the American government will have but two options. It can either declare bankruptcy, or it can print the money it needs to pay its debt. In either case, an enormous crash will result, for in the first case, an astronomical sum of money that the economy had assumed existed will suddenly be wiped away, and in the latter case hyperinflation will set in, and the American dollar will be whittled down to worthless.

    ...the country will be forced to start over. For Schiff, this may not be such a bad thing, for, according to him, the nation has simply put itself in an unsustainable position, and the sooner it starts over the better. At that time, Schiff argues, America can finally get back to the small government and free-market forces that the country's founding fathers designed the nation around. While much of the book is focused on how the country can do this now, before the crash hits (in such areas as banking & finance, taxation, healthcare, education, the military, et. al.), Schiff very much believes that nothing can actually prevent the crash from coming, and that therefore, most of the rebuilding will have to be done after The Real Crash.


    As Chris Cox and Bill Archer -- former members of President Clinton's Commission on Entitlement and Tax Reform -- explain in today's Wall Street Journal, the official national debt figure of $16 trillion is woefully understated.

    The real figure is in excess of $87 trillion -- or roughly 550 percent of GDP.

    And what do we hear from Democrats and Repubicans in Washington? Nonsense about taxing the top two percent, which wouldn't amount to one-tenth of one percent of the real debt.

    Source: http://directorblue.blogspot.com/2012/11/the-real-crash-surviving-americas.html

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    It's time to fix the charitable deduction - Fortune Finance: Hedge ...

    By Mina Kimes

    FORTUNE -- As elected officials in Washington struggle to find common ground on the deficit, it seems inevitable that tax breaks -- which, unlike tax rates, have been targeted by both parties -- will be on the chopping block. That includes the charitable deduction, which taxpayers can claim for donations to hospitals, colleges, churches, and other nonprofits. The Joint Committee on Taxation estimated that the tax break will cost the government $246 billion between 2010 and 2014.

    The threat that lawmakers might eliminate -- or even curtail -- the charitable deduction has sent non-profits into a panic. The Charitable Giving Coalition, whose members include the United Way and the American Red Cross, recently announced plans to gather in the nation's capital on December 4th for a campaign called "Protect Giving - DC Days." The Independent Sector, a trade group for nonprofits, set up a website asking people to entreat their representatives to leave the deduction alone.

    "We're seeing talk that we've never seen before, which suggests that we have a real issue here," says Diana Aviv, the head of the Independent Sector. Aviv says the tax break for donors should be protected because of its unique attributes. "The charitable deduction is not the same as other deductions," she says. "It doesn't benefit the individual."

    Aviv is partially correct: the charitable tax break is different from many other tax breaks in so far as it clearly contributes to the public good. But the deduction does benefit individuals -- especially those in the upper class. According to a report by the Congressional Budget Office, taxpayers who make more than $100,000 a year took in 76% of the total charitable tax subsidy in 2006, despite contributing 57% of all donations. When wealthy people give money to charity, they reap outsized rewards.

    Why the current deduction is unfair

    There are several reasons for this discrepancy.?First, the tax break is a deduction, which means it can only be claimed by people who itemize their tax returns. That rules out the 70% of taxpayers who don't itemize. Second, because the expenditure is structured as a deduction, people in higher tax brackets can use it to net greater savings. Say a person in the 35% tax bracket donates $1000. If he or she deducts the contribution, his or her tax bill is reduced by 35% of $1000, or $350. Meanwhile, someone with a tax rate of 20% who donates the same amount of money will only save $200. As a result, it's cheaper for wealthy people to donate money.

    MORE: Wall Street isn't backing Jack Lew for Treasury

    By giving the rich a bigger incentive to donate, the government is effectively granting them greater control over the country's charitable giving. The subsidy is funded by all taxpayers, but the causes favored by the wealthy do not necessarily benefit everyone. PIMCO chief Bill Gross, himself a prominent philanthropist, told the New York Timesin 2007 that he thought wealthy donors were?over-compensated for giving money to "football stadiums and concert halls."?Gross added: "I don't think the public would vote for spending tax dollars on those things."

    While lower-income taxpayers give 10% of their total donations to "basic needs organizations," according to the CBO, millionaires divert just 4% to such groups, preferring to donate to the arts and education sectors.?Some of those donations are used to pay for scholarships and charitable causes that benefit society at large, but other funds go to wealthy schools in high-income areas??In those cases, the government is essentially paying the rich to donate to their own communities.

    Of course, many donations do go to worthy causes, none of which deserve to be starved of funding. But there's reason to believe that the charitable sector may be overstating the threat of a reduced tax break. Take, for example, the Charitable Giving Coalition's recent letter to President Obama, who proposed a couple of years ago that taxpayer deductions be limited to a rate of 28%. The Coalition argued that "any cap or limitation on charitable deductions" would undermine giving, with "long-lasting negative consequences." The Tax Policy Center has estimated that Obama's proposal would reduce private giving by about 2%.

    That figure looks even smaller when you put it in the broader context of charities' revenue. In 2010, the nonprofit sector derived just 13% of its intake from private contributions. If you exclude hospitals and higher education organizations, which make most of their money from private payments and government sources, then the proportion of funding from private contributions increases to 24%.

    Because the deduction has experienced little disruption since it was created in 1917, we cannot be absolutely sure what would happen if it were eliminated or cut. But there's reason to believe the effects would be smaller than previously thought. In recent years, several economists who have studied the price elasticity of giving, which is the percentage by which donations would decrease if the cost of giving were to go up, have found that the ratio is less than -1 -- meaning that, if the price went up by 1%, the level of giving would decline by less than 1%. A 2010 report by the Congressional Research Service points out that, historically, giving has not changed very much in response to changes in tax rates.

    Many wealthy taxpayers say they would continue to donate if the deduction was reduced. In response to a recent survey conducted by the Center on Philanthropy at Indiana University, 50% of high-net-worth households said that they would give the same amount of money if the tax break were completely eliminated. "People tend to forget that some of the most significant giving in the U.S. dates back hundreds of years," says Rob Reich, an associate professor of political science at Stanford. "The Rockefellers and the Carnegies created foundations in the absence of any incentive whatsoever."

    How to fix it: A floor and a credit

    The charitable deduction is inequitable, costly, and inefficient. And yet, it should not be abolished altogether. For one, although economists have attempted to gauge the impact that eliminating the tax break would have on giving, the outcome is still uncertain; no one really knows what would happen (and which charities would suffer the most). Meanwhile, it's possible to reform the tax break and cut the subsidy while minimizing the impact on charitable giving.

    Several politicians and think tanks have suggested that the tax break could be limited through the addition of a cap. An absolute dollar cap on deductions -- an idea promoted by Mitt Romney during his presidential campaign -- has been gaining steam. Such a proposal would effectively wipe out the charitable deduction, though,?because most people who itemize would first claim a deduction for their mortgage, which would consume most, if not all, of the allotted tax break.?President Obama's proposal for a 28% deduction cap -- described earlier -- would improve the structure of the tax break without hurting giving too badly, but it wouldn't raise very much money for the government.

    MORE: Fiscal cliff: A modest proposal

    A floor, which would force people to donate a certain amount of money to claim a tax break (and would exempt the money below the floor from the break, lowering the subsidy), offers a more elegant solution. The only people who would?who would donate less as a result of a floor would be those who contribute small amounts;?for others, there would be no reason to reduce giving at the margin. According to the Tax Policy Center, instituting a floor of 1.7% of adjusted gross income would raise $10-11 billion in annual revenue without affecting contributions at all. The CBO estimates that a floor of 2% of income would raise $15.7 billion while cutting donations by $3 billion.

    The government could save even more money by converting the deduction into a tax credit, which would allow donors to claim a flat percentage of their donations. The CBO found that, if the charitable deduction were changed into a 25% credit with a floor of 2% of income, the government would cut the total subsidy by $11.9 billion a year, while donations would shrink by a mere $1 billion. A 15% credit would raise $24.6 billion, with donations falling by an estimated $10 billion, according to the CBO.

    In the long-term, the savings would be significant. The Committee for a Responsible Federal Budget has estimated that changing the deduction to a 15% credit with a 2% floor would save the government $340 billion over the next decade, reducing the subsidy by 60%. Donations, meanwhile, would only decline by 4.9%. (The Bowles-Simpson commission proposed a similar, if slightly more draconian, 12% credit with a 2% floor.)

    In addition to saving the government money, replacing the deduction with a credit would also make the system more equitable. All people would be equally compensated for giving to charity, regardless of their tax bracket. A credit would also reward the 70% of Americans who don't itemize their taxes, which might spur additional donations.

    MORE: Wells Fargo CEO: Why Americans are saving so much

    Such changes would inevitably change the profile of giving in this country, or at least the composition of donations that are subsidized by the government. People who make under $100,000 a year currently allot 67% of their donations to religious organizations, according to the CBO. Expanding the tax break to lower-income citizens would inevitably skew the subsidy toward churches.

    This is a bad result. Not because it would compel taxpayers to fund widespread religious donations -- though many people would surely oppose such a large subsidy -- but because it would be wasteful. Studies have shown that the price elasticity of giving for religious donations is relatively low, which means that people would be unlikely to cut their gifts in response to a lowered tax break. Indeed, many religious donors do not currently claim a deduction.

    If the government is serious about saving money, then it should consider exempting religious donations from the charitable tax break. Most people give to churches because they want to, not because they get a tax break for their generosity.

    A massive subsidy would be not only controversial, but uneconomical.

    Source: http://finance.fortune.cnn.com/2012/11/27/charitable-deduction-reform/

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    Islamic finance in a - Bank for International Settlements

    The Bank for International Settlements

    Advanced search

    • Overview
    • Central bank websites
    • Central Bank Governance Forum
    • International Journal of Central Banking
    • Regulatory authorities and supervisory agencies

    Related information

    • More speeches by Zeti Akhtar Aziz
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    Source: http://www.bis.org/review/r121127f.pdf

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    Tuesday 27 November 2012

    NM, OR, NC Veteran Teacher Quits, Letter Goes Viral

    See letter covered by The Washington Post [Valerie Straus, The Answer Sheet, with 112 comments] and Diane Ravitch [Diane Ravitch's Blog], and a post covering how he responded to his critics.

    I QUIT

    Kris L. Nielsen Monroe, NC 28110

    Union County Public Schools Human Resources Department 400 North Church Street Monroe, NC 28112

    October 25, 2012

    To All it May Concern:

    I?m doing something I thought I would never do?something that will make me a statistic and a caricature of the times. Some will support me, some will shake their heads and smirk condescendingly?and others will try to convince me that I?m part of the problem. Perhaps they?re right, but I don?t think so. All I know is that I?ve hit a wall, and in order to preserve my sanity, my family, and the forward movement of our lives, I have no other choice.

    Before I go too much into my choice, I must say that I have the advantages and disadvantages of differentiated experience under my belt. I have seen the other side, where the grass was greener, and I unknowingly jumped the fence to where the foliage is either so tangled and dense that I can?t make sense of it, or the grass is wilted and dying (with no true custodian of its health). Are you lost? I?m talking about public K-12 education in North Carolina. I?m talking about my history as a successful teacher and leader in two states before moving here out of desperation.

    In New Mexico, I led a team of underpaid teachers who were passionate about their jobs and who did amazing things. We were happy because our students were well-behaved, our community was supportive, and our jobs afforded us the luxuries of time, respect, and visionary leadership. Our district was huge, but we got things done because we were a team. I moved to Oregon because I was offered a fantastic job with a higher salary, a great math program, and superior benefits for my family. Again, I was given the autonomy I dreamed of, and I used it to find new and risky ways to introduce technology into the math curriculum. My peers looked forward to learning from me, the community gave me a lot of money to get my projects off the ground, and my students were amazing.

    Then, the bottom fell out. I don?t know who to blame for the budget crisis in Oregon, but I know it decimated the educational coffers. I lost my job only due to my lack of seniority. I was devastated. My students and their parents were angry and sad. I told myself I would hang in there, find a temporary job, and wait for the recall. Neither the temporary job nor the recall happened. I tried very hard to keep my family in Oregon?applying for jobs in every district, college, private school, and even Toys R Us. Nothing happened after over 300 applications and 2 interviews.

    The Internet told me that the West Coast was not hiring teachers anymore, but the East Coast was the go-to place. Charlotte, North Carolina couldn?t keep up with the demand! I applied with three schools, got three phone interviews, and was even hired over the phone. My very supportive and adventurous family and I packed quickly and moved across the country, just so I could keep teaching.

    I had come from two very successful and fun teaching jobs to a new state where everything was different. During my orientation, I noticed immediately that these people weren?t happy to see us; they were much more interested in making sure we knew their rules. It was a one-hour lecture about what happens when teachers mess up. I had a bad feeling about teaching here from the start; but, we were here and we had to make the best of it.

    Union County seemed to be the answer to all of my problems. The rumors and the press made it sound like UCPS was the place to be progressive, risky, and happy. So I transferred from CMS to UCPS. They made me feel more welcome, but it was still a mistake to come here.

    Let me cut to the chase: I quit. I am resigning my position as a teacher in the state of North Carolina?permanently. I am quitting without notice (taking advantage of the ?at will? employment policies of this state). I am quitting without remorse and without second thoughts. I quit. I quit. I quit!

    Why?

    Because?

    I refuse to be led by a top-down hierarchy that is completely detached from the classrooms for which it is supposed to be responsible.

    I will not spend another day under the expectations that I prepare every student for the increasing numbers of meaningless tests.

    I refuse to be an unpaid administrator of field tests that take advantage of children for the sake of profit.

    I will not spend another day wishing I had some time to plan my fantastic lessons because administration comes up with new and inventive ways to steal that time, under the guise of PLC meetings or whatever. I?ve seen successful PLC development. It doesn?t look like this.

    I will not spend another day wondering what menial, administrative task I will hear that I forgot to do next. I?m far enough behind in my own work.

    I will not spend another day wondering how I can have classes that are full inclusion, and where 50% of my students have IEPs, yet I?m given no support.

    I will not spend another day in a district where my coworkers are both on autopilot and in survival mode. Misery loves company, but I will not be that company.

    I refuse to subject students to every ridiculous standardized test that the state and/or district thinks is important. I refuse to have my higher-level and deep thinking lessons disrupted by meaningless assessments (like the EXPLORE test) that do little more than increase stress among children and teachers, and attempt to guide young adolescents into narrow choices.

    I totally object and refuse to have my performance as an educator rely on ?Standard 6.? It is unfair, biased, and does not reflect anything about the teaching practices of proven educators.

    I refuse to hear again that it?s more important that I serve as a test administrator than a leader of my peers.

    I refuse to watch my students being treated like prisoners. There are other ways. It?s a shame that we don?t have the vision to seek out those alternatives.

    I refuse to watch my coworkers being treated like untrustworthy slackers through the overbearing policies of this state, although they are the hardest working and most overloaded people I know.

    I refuse to watch my family struggle financially as I work in a job to which I have invested 6 long years of my life in preparation. I have a graduate degree and a track record of strong success, yet I?m paid less than many two-year degree holders. And forget benefits?they are effectively nonexistent for teachers in North Carolina.

    I refuse to watch my district?s leadership tell us about the bad news and horrific changes coming towards us, then watch them shrug incompetently, and then tell us to work harder.

    I refuse to listen to our highly regarded superintendent telling us that the charter school movement is at our doorstep (with a soon-to-be-elected governor in full support) and tell us not to worry about it, because we are applying for a grant from Race to the Top. There is no consistency here; there is no leadership here.

    I refuse to watch my students slouch under the weight of a system that expects them to perform well on EOG tests, which do not measure their abilities other than memorization and application and therefore do not measure their readiness for the next grade level?much less life, career, or college.

    I?m tired of watching my students produce amazing things, which show their true understanding of 21st century skills, only to see their looks of disappointment when they don?t meet the arbitrary expectations of low-level state and district tests that do not assess their skills.

    I refuse to hear any more about how important it is to differentiate our instruction as we prepare our kids for tests that are anything but differentiated. This negates our hard work and makes us look bad.

    I am tired of hearing about the miracles my peers are expected to perform, and watching the districts do next to nothing to support or develop them. I haven?t seen real professional development in either district since I got here. The development sessions I have seen are sloppy, shallow, and have no real means of evaluation or accountability.

    I?m tired of my increasing and troublesome physical symptoms that come from all this frustration, stress, and sadness.

    Finally, I?m tired of watching parents being tricked into believing that their children are being prepared for the complex world ahead, especially since their children?s teachers are being cowed into meeting expectations and standards that are not conducive to their children?s futures.

    I?m truly angry that parents put so much stress, fear, and anticipation into their kids? heads in preparation for the EOG tests and the new MSLs?neither of which are consequential to their future needs. As a parent of a high school student in Union County, I?m dismayed at the education that my child receives, as her teachers frantically prepare her for more tests. My toddler will not attend a North Carolina public school. I will do whatever it takes to keep that from happening.

    I quit because I?m tired being part of the problem. It?s killing me and it?s not doing anyone else any good. Farewell.

    CC: Dr. Mary Ellis

    Dr. June Atkinson

    Source: http://nycityeye.blogspot.com/2012/11/nm-or-nc-veteran-teacher-quits-letter.html

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    Video: PFT Live: Is Adderall masking PED use?

    Sorry, Readability was unable to parse this page for content.

    Source: http://nbcsports.msnbc.com/id/21134540/vp/49981797#49981797

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    Remodel And Repair: Easy Home Improvement Tips

    Ugly driveways and concrete can be repaired without having to spend the time and money to replace them. Concrete refinishing has become a new alternative for that cracked driveway or walkway. They can apply a new topcoat, stains, imprint patterns or other design elements that will give your home a whole new look for less.

    Don?t ignore small rust and mold problems. These are common in many older homes, and can quickly become widespread, large problems. Tackling them when they are small is quick and easy. Waiting until they?re big problems can be costly and time intensive. A little bleach works wonders on small mold problems. Small rust problems can often be sanded away.

    Decorating your walls on a tight budget can be quite simple and requires no painting. Consider buying a large quilt or an interesting piece of tapestry and affixing it to your wall. This can be a nice conversation piece on your wall, and provide you with a nice piece of your personality to look at.

    You should do a simple internet search if you are looking for general contractors in your area. Many contractors are now posting ads online to help boost their business. You can find a contractor that fits your needs and even reads reviews from their previous clients. This is a quick and easy way to find a contractor to do your home improvement job.

    If you are trying to decide what home improvement projects to take on to prepare your home for resale, then remember the old real estate adage, ?Kitchens and bathrooms sell homes.? If you only have funds to improve a couple rooms, then start with your kitchens and bathrooms to see the biggest improvement in your asking price.

    To insure that you always know who is knocking, install wide-angle peepholes on each of your exterior doors. These special lenses allow you to see who is standing on your porch or patio without opening the door or pulling back the drapes. Moreover, they are fairly simple to install.

    If a contractor appears at your door and offers his services to you, be wary. Some companies like roofers or fence builders are known to use this tactic, but you should still do your research before you decide to hire them. Check the BBB, online reviews, and all supplied references.

    The helpful advice in the article above can give you ideas and confidence with regards to your home improvement project. With assiduous application of the advice, your project can be successful. Make your home a beautiful yet functional haven.

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    Source: http://www.teenissuesarticles.com/remodel-and-repair-easy-home-improvement-tips-3/?utm_source=rss&utm_medium=rss&utm_campaign=remodel-and-repair-easy-home-improvement-tips-3

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