Source: http://news.feedzilla.com/en_us/stories/politics/top-stories/205449557?client_source=feed&format=rss
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Wednesday, February 29, 2012
Tuesday, February 28, 2012
A Taste for Mediocrity (Prospect)
Qualcomm's Gobi modem chipsets combine 84Mbps HSPA+, LTE-Advanced
Multiple goodies on a single chipset? Yes, it's Qualcomm again, this time spreading word at MWC of its new Gobi modems. These will be the first to support both HSPA+ Release 10 (84Mbps on dual carriers) and LTE-Advanced, while two of the new Gobis (the MDM9225 and MDM9625) will additionally support true LTE Category 4 with carrier aggregation, for increased bandwidth across multiple radio channels and speeds of up to 150Mbps. The chips also boast lower power consumption thanks to their 28nm fabrication process, and are backwards compatible with older standards like GSM, EV-DO Advanced, TD-SCDMA and both FDD and TDD types of LTE. Hungry for more 3LAs? You'll find plenty in the press release below.Continue reading Qualcomm's Gobi modem chipsets combine 84Mbps HSPA+, LTE-Advanced
Qualcomm's Gobi modem chipsets combine 84Mbps HSPA+, LTE-Advanced originally appeared on Engadget on Mon, 27 Feb 2012 07:37:00 EDT. Please see our terms for use of feeds.
Permalink | | Email this | CommentsSource: http://www.engadget.com/2012/02/27/qualcomm-outs-new-gobi-modem-chipsets/
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New Carrera Subway Size 18 City Bike : North London : £140
Sorry, Readability was unable to parse this page for content.
Source: http://www.gumtree.com/p/for-sale/new-carrera-subway-size-18-city-bike-north-london-140/97187687
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Monday, February 27, 2012
Capacity and It's Impact on Customer Service | SMART Marketing ...
Hairried
My wife has a preferred local hair salon that she visits less frequently than she?d like, mostly due to exorbitant, premium costs. I know how the saying goes, ?You get what you pay for.? Heck, I?ve even heard myself echoing this over the years on occasion. This salon, on the surface, seems to be a good illustration of that saying with several talented employees decked out in New York black, a comfortable luxurious, leather-couched atmosphere including champagne while you wait, and a steady stream of seemingly, well-to-do clients. However, as of recently, a new reason for even less frequent visits from my wife has confusingly emerged?the hair salon either is not interested in her business or they are just ?too busy.? I?ll give them the benefit of the doubt by assuming the latter and try to prove that. Here?s goes?
- Example 1: The past two times my wife has tried to ?book? an appointment to give said-hair-salon her business, they responded saying they were booked solid through the next six (yes, six!) weeks. To make an appointment for a time that was convenient to my wife?s schedule would mean booking two-plus months out. The hair salon, however, was not empathetic yet happy to put her on the wait list for ?cancellations.? If she wanted a real appointment it?d have to wait until May. In layman?s terms that means ?after-season? when business is expectantly slower. Knowing how quickly hair grows and changes, and how important events call for hair-done-right, this seems extraordinary and not acceptable.
- Example 2: After actually making her last appointment which included my wife AND our daughter (side note: the visit would have amounted to over $250 in hair treatment!) which she also had to wait weeks to secure that appointment, the salon had the cahonas to call the day of the appointment and ask to reschedule, for reasons ?unknown.? Really? Wait several weeks to spend over $250 for about 1 hour?s time and then have to reschedule and wait another several weeks?
Both of these examples made it obvious to me that, not only is the salon supposedly ?too busy? but they are not interested in lower priority customers during their peak season. It has left my wife, a potential regular customer?during both peak and off-peak seasons, mind you?despondent and furious. She pays the suggested rate card, tips well, and is a relatively easy, younger head of hair to work on. I mean, how different is a high-priority head, or customer, different from hers?
This hair salon?s poor treatment of, and lack of capacity for, a potential higher-valued customer?
Take a pause to do the math quickly here folks:
+ frequency + retention ? cost to serve customer = + profitability + lifetime value
?led me to think through the concept of capacity and how its impact on customer service may be overlooked by this salon and others, perhaps in advertantly.
Capacity, Further Defined
Capacity, according to dictionary.com can be defined with relevance to our topic as:
- The ability to receive or contain: This hotel has a large capacity.
- The maximum amount or number that can be received or contained; cubic contents; volume: The inn is filled to capacity. The gasoline tank has a capacity of 20 gallons.
So, in a service business, capacity would mean the maximum number of person-hours that can be retained to perform specific service tasks and/or projects. This makes sense in the hair salon example mentioned earlier. There are only so many stylists that work for the hair salon, with so many available time slots for appointments within one given day. Once all of those slots are booked, it pushes available time slots further into the future. Premium time slots are more coveted and book easily whereas others, off-peak or off-season, are likely more available and accessible.
Capacity and Its Impact on Service
It?s interesting to note the impact of capacity on customer service. Take a restaurant with a host, five waiters, two chefs and a wine steward, for example. If you walk into that restaurant and as the dinner evening?s first and only customer, it?s likely you will get premium level service from several, if not all, of that staff. The table will be sharply made. Your order will be taken expeditiously. Food will be prepared quickly and served hot. And, it will be a comfortable, high-touch dining experience. Fill that restaurant to capacity and it is likely service levels will change. Now, take that same filled restaurant and subtract three of the wait staff, one chef and the wine steward, and service really starts to diminish. The business and customers suddenly become, at risk for loss (i.e customers leaving, poor referrals, etc.).
At or beyond capacity does not have to necessarily equate to poor customer service. Remember, customers who have an affinity for your brand, product or service also have a threshold for their expectations. Seinfeld?s Soup Nazi was a great example of this. Customers would wait in excessive lines and be treated inconsiderately to experience an extraordinary bowl of soup, taken to go, nonetheless. It created fear and anxiety among many customers. Truth be told, it was the Soup Nazi?s exceptional product, not the wait or poor treatment, that customers desired the most. Had he improved the waiting experience by providing new soup samples, wi-fi for the busy professional, and/or compliments to each customer, it is possible demand and loyalty would have excelled. He might have even been able to charge a higher premium for his soup and generate higher profitability with the same level of personnel and infrastructure; capacity.
The Soup Nazi?s capacity and impact on customer service placed his business at risk. This was further illustrated when Elaine got a hold of his recipes. Had she opened up a soup kitchen down the street promoting the same Soup Nazi product, yet with no wait, kinder service and at better prices, she might have very well stolen some or all of the Soup Nazi?s business. It?s important to constantly remind yourself that:
- Customers have choices.
- Competition is formidable.
- And, most businesses depend on how defendable a product or service you have, for the customer threshold on service, pricing and other factors.
Capacity-Service Tips
Here are a few tips to keep your capacity and its impact on service in check to optimize your business:
- Prioritize Your Customers Yet Treat Them All As VIPs: know the average revenue and/or profitability of each customer and their lifetime value (including referral value), yet treat them all as important VIPs. Low revenue generating customers can become high revenue generating customers and/or the best referrals. Don?t take any customer, and their potential for business, for granted. Take time to recognize customers and their value for your business (without customers there is no business). Be polite and thank them profusely for choosing your business.
- Be Honest and Forthright. Make an Effort by Giving Alternatives to Satisfy Their Buying Need: If you?re at/beyond capacity, be sure to tell your customers, but not at the expense of making them feel unimportant. Something like this, goes a long way, ?Mrs. Customer, I?m sorry to inform that we?re currently at capacity and cannot accept your reservation during the time that you want. Your business is extremely important to us. Here are a few alternatives that may satisfy you.? Offer a discount or other incentive for the inconvenience so not to lose their business. Make the effort to retain your customers as this could be your last chance to do so. And, it costs more, generally, to acquire a customer than it does to retain an existing one.
- Manage Demand, Service Capacity and Resulting Profitability, Carefully and Regularly: If your problem is high demand beyond capacity and you are not interested in increasing capacity (via technology, more employees, etc.) for whatever reason, you may consider raising your rates or not taking on new clients to prevent your business from becoming at risk. Don?t be afraid to drive demand to accommodate capacity with price, service and other functions. Rental properties have peak rates, for example, when demand is most high. This might take some testing but could be well worth it.
To reiterate, your customers have choices. Competition is formidable. And, unless your product or service is 100% defendable, decreasing service because of capacity could put your business at risk. Manage your business? capacity and service levels to help acquire, retain and grow the most profitable customer relationships and, ultimately, achieve business success.
About the Author
Angelo Biasi is General Manager of SMART Marketing Solutions, LLC, a leading full-service integrated marketing company in Florida and New York since 2001. He has helped create and execute marketing plans and integrated marketing solutions for companies such as Playtex, Bic, Rogaine, Tauck, and over 35 colleges and universities, to name a few. Angelo has an MBA in Marketing from the University of Connecticut and teaches Marketing at New York University where he has for over six years. He has been quoted and/or featured in USA Today, Mobile Marketer magazine, Mobile Commerce Daily, Luxury Marketing magazine, BNET TV and Business Currents magazine, to name a few. For more information or to learn more, email him at abiasi
smartmarketingllc
com??(abiasismartmarketingllccom)??, visit www.smartmarketingllc.com, call him at 239.963.9396 and follow him on Twitter @angbiasi.
Source: http://www.smartmarketingllc.com/2012/02/27/capacity-and-its-impact-on-customer-service/
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Starting a Search Engine Marketing Business - Maurer Technology ...
[unable to retrieve full-text content]If you are contemplating on starting your own search engine marketing (SEM) business, there are a few things that you need to learn about search engine marketing. Actually, SEM is a skill that a lot of people want to learn about with each passing day, especially for those who are just starting their internet marketing [...] ... This form of marketing is an advantage to large businesses, since they are assured of acquiring an online presence in order to gain new clients.
Source: http://maurertechnology.com/starting-a-search-engine-marketing-business.htm/
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Sunday, February 26, 2012
BP faces billions in fines as spill trial nears (AP)
[unable to retrieve full-text content]AP - On the cusp of trial over the catastrophic 2010 oil spill in the Gulf of Mexico, phalanxes of lawyers, executives and public officials have spent the waning days in settlement talks. Holed up in small groups inside law offices, war rooms and hotel suites in New Orleans and Washington, they are trying to put a number on what BP and its partners in the doomed Macondo well project should pay to make up for the worst offshore spill in U.S. history.
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Church Too Pricey For Davenport
Church Too Pricey For Davenport ??
?????Saturday 25th February, 2012??Source: The Ledger ??
| The commission, at a recent workshop, learned the church won't come down on its $625,000 price tag, despite the fact that the two buildings on the property -- the church and the fellowship hall -- need repairs costing between $50,000 and $100,000."For $625,000 we could build a fine facility," Vice Mayor H.B. Robinson said.City Manager Amy Arrington... | Breaking News |
|
Source: http://feeds.bignewsnetwork.com/?rid=203772507&cat=11caa946bf11fe44
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Saturday, February 25, 2012
Obama: Every tool eyed to stop slaughter in Syria (AP)
[unable to retrieve full-text content]AP - President Barack Obama on Friday declared the U.S. and its allies would consider "every tool available" to stop the slaughter of innocent people in Syria, using his most forceful words to date in response to an increasingly grim crisis that has gripped the world.
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How to Invest in Gold and Silver: A complete guide from an ...
Rating:?
Price:?$9.99
Want to invest in gold and silver, but aren't sure how? How to Invest in Gold and Silver is a practical guide for investors who are new to the emerging gold and silver markets. Written in clear layman's terms, this forward-thinking book is packed with information to help gold and silver investors navigate an exciting, timely and largely unexplored market.
How to Invest in Gold and Silver includes:
?An overview that explains the wisdom of gold and silver investments in today's economic environment.
?Indispensible information on how to manage the risk of gold and silver assets.
?A step-by-step strategy to investing in bullion and coins.
?Clear explanations on using ETFs (Electronic Trading Funds) and options.
?The pros and cons of investing in major, mid-tier and junior mining companies ? and a how-to methodology for making informed choices for the best gains.
In his pioneering work, author Don Durrett shares the details of his own systematic, successful approach to investing in gold and silver. This easy to follow book shows investors how to take advantage of the rising prices of precious metals using a balanced portfolio of gold and silver assets. Armed with this knowledge you will be able to invest with confidence.
- Format: Kindle Edition
- File Size: 2789 KB
- Publisher: ECKO House Publishing (December 1, 2010)
- Language: English
- ASIN: B004ELAITO
- Text-to-Speech: Enabled
- Lending: Enabled
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Friday, February 24, 2012
Around the Web?
TGIF! Ring in the weekend with these news-worthy finds: “If you love your baby, do not sleep with your baby,” says Milwaukee mayor — Momformation Felicity Huffman: What does being a good mom mean? — iVillage French preschool teaches kids the alphabet through Twitter — The Stir Do you like your baby’s name? More than [...]
Source: http://feeds.celebritybabies.com/~r/celebrity-babies/~3/QyIG5yb6xqg/
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Rico Rodriguez Would Welcome Britney Spears On 'Modern Family' (VIDEO)
Although she might not be sophisticated enough for Manny, Rico Rodriguez seems pretty excited that Britney Spears is a fan of "Modern Family." Back in January, Spears tweeted that she was looking forward to the next episode of "Modern Family" more than the Super Bowl, calling it the "funniest show on TV."
Rodriguez was flattered at Spears' mention, he told "Live! With Kelly" (weekdays, syndicated on ABC). When his followers told him that she had tweeted about the show, he had simple response: "Really? Awesome!" Rodriguez tweeted back at Spears and thanked her for being a fan of the show.
After Spears' tweet, #GetBritneyOnModernFamily started to trend on Twitter, as Spears' fans started a social media campaign to get her a guest spot on the show after successful cameos on "How I Met Your Mother" and "Glee." While she responded that she'd "love to be on it," there's been no word on if the show's producers are actually considering the possibility. Clearly, there's at least one member of the cast who wouldn't mind.
TV Replay scours the vast television landscape to find the most interesting, amusing, and, on a good day, amazing moments, and delivers them right to your browser.
Related on HuffPost:
MONDAY, FEB. 20: "Basketball Wives"
1? of ?20
"Basketball Wives" (8 p.m. EST on VH1) season premiere In season four of "Basketball Wives" the two new ladies alter the ever-changing landscape and dynamic among these women. Newcomer Kesha Nichols survived every girl's worst nightmare, having her engagement broken off by her ball-playing fiance via email shortly before their wedding. Kenya Bell is in the process of finalizing a divorce from a basketball star and is one of the most notorious and controversial wives in the league, whose infamous reputation is well-known by the other wives. Shaunie O'Neal is on the path to establishing herself as a business mogul. Evelyn Lozada and Jennifer Williams' 12-year friendship is in a precarious position; will it recover from last season's fracture? Strong-willed Tami Roman continues to be a force to be reckoned with both socially and now in business. Royce Reed and Suzie Ketcham attempt to navigate uncharted waters as new chapters open in their lives. "Basketball Wives" (8 p.m. EST on VH1) season premiereIn season four of "Basketball Wives" the two new ladies alter the ever-changing landscape and dynamic among these women. Newcomer Kesha Nichols survived every girl's worst nightmare, having her engagement broken off by her ball-playing fiance via email shortly before their wedding. Kenya Bell is in the process of finalizing a divorce from a basketball star and is one of the most notorious and controversial wives in the league, whose infamous reputation is well-known by the other wives. Shaunie O'Neal is on the path to establishing herself as a business mogul. Evelyn Lozada and Jennifer Williams' 12-year friendship is in a precarious position; will it recover from last season's fracture? Strong-willed Tami Roman continues to be a force to be reckoned with both socially and now in business. Royce Reed and Suzie Ketcham attempt to navigate uncharted waters as new chapters open in their lives.
MONDAY, FEB. 20: "Basketball Wives"
"Basketball Wives" (8 p.m. EST on VH1) season premiere In season four of "Basketball Wives" the two new ladies alter the ever-changing landscape and dynamic among these women. Newcomer Kesha Nichols survived every girl's worst nightmare, having her engagement broken off by her ball-playing fiance via email shortly before their wedding. Kenya Bell is in the process of finalizing a divorce from a basketball star and is one of the most notorious and controversial wives in the league, whose infamous reputation is well-known by the other wives. Shaunie O'Neal is on the path to establishing herself as a business mogul. Evelyn Lozada and Jennifer Williams' 12-year friendship is in a precarious position; will it recover from last season's fracture? Strong-willed Tami Roman continues to be a force to be reckoned with both socially and now in business. Royce Reed and Suzie Ketcham attempt to navigate uncharted waters as new chapters open in their lives. "; var coords = [-5, -72]; // display fb-bubble FloatingPrompt.embed(this, html, undefined, 'top', {fp_intersects:1, timeout_remove:2000,ignore_arrow: true, width:236, add_xy:coords, class_name: 'clear-overlay'}); });Source: http://www.huffingtonpost.com/2012/02/23/rico-rodriguez-britney-spears_n_1297880.html
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Thursday, February 23, 2012
Street artists join the war on Manila smog
MANILA?? Their canvas is a stretch of dingy concrete wall along Manila's main highway, where millions of vehicles stream past every day, belching exhaust that helps to create a noxious, unhealthy smog.
But the murals now blooming under the hands of street artists along Epifanio delos Santos Avenue (EDSA) are not only there for art's sake -- they are created with paint that doubles as an air purifier.
A new paint variant created by local paint manufacturer Boysen contains modified titanium dioxides, which are designed to break down toxic fumes into harmless substances.
Though titanium dioxide is commonly used in regular paint, its molecules in the modified version are micronized, a process that compresses them ten-fold to enhance their intrinsic ability to break down toxic substances when activated by light.
"It acts as a photo catalyst and in the presence of sunlight or artificial lighting it brings down noxious gases such as nitrogen dioxides and other VOCs (volatile organic compounds) in the air," said Patrick Negrete, Boysen Project Management Engineer.
Negrete said that tests in Manila and Europe's busiest thoroughfares reported at least an 18 percent reduction of air pollutants.
Now, the Manila city government has partnered with Boysen to add more murals along the heavily polluted EDSA, part of a decades-old drive to combat air pollution there.
The highway has the highest traffic congestion in the Philippines, with over 2.5 million vehicles passing through daily. The World Health Organization has reported that pollution there is four times greater than recommended safe levels.
According to the United Nations, Manila is one of the world's five most polluted cities, with an estimated four percent of the vast metropolis's disease-related deaths linked to air pollution.
Ten local and foreign artists were invited to design murals covering over 8,000 square meters of walls, columns and bridges along EDSA's choke points, or where it narrows.
Fanciful flowers are among the works taking form in the distinctive green paint.
-
Only on msnbc.com
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- Testing for terror: Emergency drill ahead of London Olympics
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Company executives acknowledge that while the air-cleaning paint does help, it is far from a permanent solution.
"The best solution is to reduce the level of pollution to start with, to reduce pollutants coming out of cars," said Johnson Ongking, Boysen Vice President.
But the artists involved in creating the highway masterpieces were enthusiastic.
"I hope there would be many more paintings like these -- not just in Manila, but around the world," said Tapio Snellman, a Finnish artist and film maker who volunteered to design one mural.
"Because there's a huge need of air-cleaning paintings, and there's a huge need of visual stimulation of positive and inspiring artwork."
Copyright 2012 Thomson Reuters. Click for restrictions.
Source: http://www.msnbc.msn.com/id/46480911/ns/us_news-environment/
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Study: No Significant Rise in Seizure Risk From Common Kids' Vaccine (HealthDay)
[unable to retrieve full-text content]HealthDay - TUESDAY, Feb. 21 (HealthDay News) -- Children who receive a
combination vaccine known as DTaP-IPV-Hib have no significant increased
risk of febrile seizure, a convulsion triggered by a fever, during the
week after vaccination, researchers in Denmark report.
combination vaccine known as DTaP-IPV-Hib have no significant increased
risk of febrile seizure, a convulsion triggered by a fever, during the
week after vaccination, researchers in Denmark report.
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Wednesday, February 22, 2012
Regulator outlines new plan for Fannie, Freddie (Reuters)
[unable to retrieve full-text content]
Reuters - The regulator of housing giants Fannie Mae and Freddie Mac on Tuesday outlined a new strategic plan for the two government-controlled firms, stepping into a void left by congressional inaction.
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Silicon Valley: The rise of the adolescent CEOs (Reuters)
[unable to retrieve full-text content]Reuters - Josh Buckley, chief executive of an online gaming start-up, is looking forward to next month's Game Developers Conference in San Francisco, particularly for the parties and the accompanying schmoozing with industry A-listers.
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Tuesday, February 21, 2012
No Upfront Costs Makes The VA Streamline Refinance A Very ...
By Hazel D. Seidman
The Internet, television outlets and radio airwaves are buzzing with advertising about mortgage refinancing. However, veteran homeowners that need reduced interest rates should first consider the perks of a VA streamline refinance. In fact, we?d like to share some key information on the differences between traditional refinancing and the VA streamline refinance.
First and foremost, conventional underwriting guidelines does not take into consideration the needs of veteran borrowers. Loan guidelines are restrictive and may include higher interest rates, lower LTVs, strict credit prequalification, sizeable out-of-pocket costs, and a penalty for prepaying the loan. The bottom line is that conventional loans require much more paperwork only to leave borrowers waiting for an uncertain approval process to run its course.
Conversely, the VA streamline refinance, also referred to as an Interest Rate Reduction Loan (IRRL), is a much friendlier transaction. The first thing to keep in mind is that VA loans are specifically designed to address the needs of veterans. Moreover, veteran, loan eligibility requirements are less stringent, including no appraisal requirements (upside down equity okay!) and no credit or asset scrutiny. Veterans with credit scores below 640 also have an opportunity to apply and receive financing approval! But the perks keep coming. Veteran borrower?s can expect to pay no upfront or out-of-pocket fees, and may have the option to defer up to two mortgage payments while rolling closing costs into the loan transaction. Now these are cost savings conventional mortgages simply fail to beat. Dollar for dollar, mortgages specifically designed for veterans are the best value.
And if you thought these loans were only good for the veterans and their families, think again. Perhaps not surprising, financial institutions have a plenty reasons for writing veteran loans. The Veteran?s Administration Department has been guaranteeing a portion of VA loans since the passage of the Service men?s Readjustment Act more than 60 years ago. As a consequence, the lender experiences less risk and you receive a lower interest rate. Undoubtedly, your VA mortgage rate will be lower than conventional, refinance alternatives.
After reviewing these differences, it?s easy to understand why VA loans are so attractive. If you need to reduce your interest rate, with little or no out-of-pocket costs, while saving more of your hard-earned money, a VA streamline refinance is for you. Contact a VA-approved lender for more information about the perks of VA loans, as well as reviewing the Veteran?s Administration Department website.
Get instant financial relief by lowering your mortgage payments at streamline refinance and you may also check out va hybrid.
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Chronicles of Cancer: Prostate Cancer Update
New on the MedlinePlus Prostate Cancer page:
Men Opting for Costly New Prostate Cancer Treatment, Study Shows
Fri, 17 Feb 2012 13:15:37 -0600
Men diagnosed with localized prostate cancer are more likely to be treated with proton beam therapy, a novel form of radiation therapy, if the technology is available nearby, a new study found.
Source: Reuters Health
Nerve-Sparing Prostate Surgery Helps Men Retain Sexual Function
Thu, 16 Feb 2012 16:00:00 -0600
Most men left with nerves on both sides of the gland can achieve orgasm, study shows
Source: HealthDay
In Prostate Cancer, Other Death Risks May Be Higher
Wed, 15 Feb 2012 11:18:39 -0600
Some men with prostate cancer may have increased risks of dying from causes other than the cancer itself, a new study finds.
Source: Reuters Health
?
This email was sent to idrophits.curecancer@blogger.com.
Follow MedlinePlus on Twitter?? 
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This is a free service provided by MedlinePlus and the U.S. National Library of Medicine, U.S. Department of Health and Human Services, National Institutes of Health.
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Source: http://erasingcancer.blogspot.com/2012/02/prostate-cancer-update_20.html
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John Glenn Orbited the Earth 50 Years Ago Today [Video]
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Monday, February 20, 2012
Personal Finance Tag Game : The Budgeting Babe
Posted on February 18, 2012 1 Comment
I?ve been tagged!
Tag was never my favorite game growing up (Ghost in the Graveyard was), but I?ll give this game a try. After all, I could never let Edward Antrobus down ??he tagged me earlier in the week.
Here are the rules:
- Post these rules
- Answer 11 questions from the person who tagged you
- Create 11 questions for the people you tag
- ?Tag 11 people and link them to your post
- Let them know you tagged them.
Here we go. My 11 questions from Edward were:
- Why did you first start blogging?
- Name one thing you wish you could afford, but can?t.
- What is on your bucket list?
- What is your favorite quote?
- What is your favorite book?
- Could you live on half of your income?
- What would you do for a Klondike bar??
- What is the one food that you absolutely would not, could not, give up?
- How did you earn your first dollar?
- Name a past-time that you should give up, but won?t.
- How much did you spend yesterday?
My answers: ?
- I started in 2004, when I was working at a public relations agency and a senior vice president challenged all junior employees to ?start a blog in an attempt to better understand the changes that were happening in media. I selected my topic based on a subject I knew little to nothing about, because I needed to learn and I thought I could help other women in need of financial education. Luckily, the concept stuck. Most others had stopped blogging within two weeks.
- That?s tough! There aren?t many high-priced items I want that I could never afford. Hmmm? I did see a lovely gray wallet today at Cole Haan that I would like, but would just NEVER pay that much for a material item unless I was totally loaded. It?s nothing that I need or would ever buy unless the price came down from $186 to $30. I would never dedicate that much of my income to something so inconsequential ?so I guess that means I can?t afford it? ?I think you were looking for me to say an airplane or a Ferrari or something more exciting, but there?s not much big-ticket stuff I think about. A boat might be nice, but really, when do I have time to enjoy a boat? ?I maybe need to start dreaming bigger.
- I want to do a multi-day kayak trip in the San Juan Islands.
- I have no idea who said this, but I love ?Shoot for the moon. Even if you miss, you?ll land among the stars.?
- I can never answer this question. A few of my favorites: The Time Traveler?s Wife, Memoirs of a Geisha, The Great Gatsby, Middlesex, Bel Canto. There are too many to choose from.
- Most certainly I could live on half my income. I already put away 10 percent to retirement per month, and save another 20 percent to a money market fund. Truthfully, not much about my life has changed since I was making half my income. I still live in the same apartment, but now I have a car and save more.
- Nothing. I don?t really get Klondike bars. I actually don?t know if I?ve ever had one. This seems like a pricey item that we wouldn?t have had growing up. We just got the generic ice cream sandwiches. Klondike bars are sandwiches, right? (Shrugs shoulders.)
- Probably pizza. (But I?m starting a gluten-free diet this week as an experiment, so unfortunately I might have to revise that!)
- I have no idea. My brother and I used to try to sell our crafts (bracelets, drawings) on the street to little old ladies when we were very young, in hopes of buying candy. But before that I probably did some chores to get money for candy (?much of my youth revolves around me trying to earn money to buy candy). My first unofficial job was as a baby sitter, in junior high, and my first official first part-time job was working at my church rectory as a receptionist when I was 13.
- ?Blogging. It takes so much time and effort!
- Yesterday I spent:
- $91.60 at my physician?s office (I owed $65-ish and the rest was my co-pay)
- Six-ish dollars on lunch after my doctor?s appointment (I usually bring my own but this threw off my day).
- $15 on dinner and beers (we had gift certificates so my meal of mussels, snow crab, and beer was cheap!)
And I?m also going to answer one of EA?s questions from HIS tagger since I accidentally started answering the wrong questions when I started this post.
- Name a charity near and dear to your heart. The charity nearest and dearest to me is probably the Chicago Police Memorial Foundation. Longtime readers know my dad is a retired officer, and so every year for the last five years I?ve run the foundation?s 5K and did fundraising for the race. Last year I raised more than $500 (if I remember correctly). The foundation does wonderful things for families when an officer is killed or catastrophically injured in the line of duty. I remember clearly as a child being woken up in the middle of the night when my dad was injured on the job, working midnights. Thankfully his wounds were not life-threatening, just very painful. But my heart goes out to any family that gets that phone call.
Now it?s my turn to tag some friends. Apologies if you?ve already been tagged or if you don?t want to do it.
- Boston Gal?s Open Wallet
- Make Love, Not Debt
- TeachHer Finance
- See Debt Run
- Udandi
- The Recessionista
- Frugal Beautiful
- Blonde on a Budget
- Savvy Working Gal
- Well Heeled Blog
- And, I know she just did one of these but if she?s up for it? Live Simply, Live Well
Here are your questions! Full disclosure, I?m not creating all original ones?
- Big or small, name one financial mistake you?ve made.
- What is the charity nearest and dearest to your heart?
- What?s the best financial advice you ever got?
- If someone gave you $1,000 today and you had to spend it on something OTHER than paying down debt or investing it, what would you do with it?
- What?s your favorite meal?
- What is the farthest you?ve ever run?
- Where is one place you?d like to visit?
- Name one item on your bucket list.
- Could you live on half your income?
- What did you spend yesterday?
- Are you financially independent?
Tag, gang, you?re it.
Category: Life
Comments
Source: http://thebudgetingbabe.com/2012/02/18/personal-finance-tag-game/
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Atheists raise $40K for student in RI prayer flap (AP)
[unable to retrieve full-text content]AP - A national association that says there's no proof for the existence of God is managing a scholarship fund set up for a teenage atheist at the center of a dispute over a prayer banner at a Rhode Island school.
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Sunday, February 19, 2012
A bunch of products that could launch your online business | Mantis ...
If you want to build a successful website online, there are alot of things to consider. First of all you need to do really indepth research before you even start to build a site. Think about keyword research. You have to find keywords which are easy to rank high for in Google. I tool i discovered to automate this process can be found on http://www.nicheshark.com/
Secondly, you want to find a good domain name for your business. You can go the route of buying a brand new domain, but you can also buy up an old domain in the same niche which allready has relevant traffic. It can give you a nice headstart. A tool that can be used for this job can be found on http://www.domainpeeker.com/
Domains are KEY to giving value to your domain.
Then, you need to promote your website in the searchengines to receive traffic, this can be done by getting high quality one way backlinks. this can be a tendious process if you are outsourcing it or doing it fully by hand. The tool I use to automate this process can be found on http://www.linkaloha.com/
Finally, you want to track if everything is going steady and bringing in the results you are looking for. An awesome tool to track your rankings in google is http://www.serpwiz.com
So, i just showed you a bunch of awesome tools to automate alot of the aspects in internet marketing. They will save you time, and unltimately make your more money, faster.
I hope you enjoyed the read!
Source: http://www.mantis-int.com/?p=9
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Team building Activities Is Essential For Business Success ...
Growing your enterprise can be simply done through team development. You may be thinking why. With activities included in team building, your workers get to know each other more and thus, enhance their ability to work as one team and become more dynamic. Problem solving, communication, trust, and respect among other workers would be the lessons that'll be realized by your workers during team development. From all of these lessons, both the participants and the entire management will be benefited.
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A few examples of advantages included in organizational development
are helping the management to determine the easiest method to manage, communicate and lead with their workers.
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From a basic child?s game to a complicated problem solving obstacles are the preferred activities carried out in team development. It can be day time or during night time, indoor or outdoor, whenever and wherever you prefer as long as the entire team agrees with it.
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The facilitator you'll should be professional for a much better experience of change management. It is because they have the knowledge to properly monitor, evaluate and organize the whole exercise. So, be sure to employ a professional facilitator to ensure an excellent experience during team building.
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At present, the group juggle, improvisation circle and mine field are among the most popular team development to be exercised. These result to improve cooperation, communication skills within team members and a lot more.
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As a result, if you would like to grow your business, setting a team building activity for your worker shall be beneficial. Make this happen at least twice a year.
You can follow any responses to this entry through the RSS 2.0 feed. Responses are currently closed, but you can trackback from your own site.
Source: http://memyselfandkai.com/blogging/team-building-activities-is-essential-for-business-success.html
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Source: http://aypalsoik.posterous.com/team-building-activities-is-essential-for-bus
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Saturday, February 18, 2012
Why the U.S. Must Build More Icebreakers Now
When politicians argue over President Obama?s new 2013 budget proposal, one thing that should escape criticism is the $8 million to be spent on designing a new polar-class icebreaker for the Coast Guard. The hard part will follow: It will cost nearly $1 billion to actually build the ship, and it?s $1 billion that Congress needs to find.
Coast Guard cutters are stationed in the Bering Sea, and C-130s take infrequent flights over American waters beyond the North Slope. However, the United States does not have what you?d call a persistent maritime presence in the Arctic, a region with increasing geopolitical importance. Most of the time, there are no patrol ships or planes up there at all.
China, a country with no Arctic coast, is building icebreakers?and that should get America?s attention. It?s one thing for Russia, with the world?s longest Arctic coastline, to operate a couple dozen of the ships. (Fortunately, they?re available for leasing, at a price.) It?s understandable, maybe, for Finland, Sweden, and Canada to surpass the United States in this area. But why is China constructing an 8000-ton vessel capable of breaking through 4.5 ft of ice at a steady clip, to join the XueLong, its existing ice-class vessel?
The defense budget is shrinking, and previous studies have pegged the price of a high-powered icebreaker at $800 million to $1 billion. However, the Coast Guard?s wish list for icebreakers is a small one, including up to four heavy-duty and two or three medium-duty ships. Even just one additional heavy-duty icebreaker would make a big difference, which is why it?s important for the project envisioned in the White House?s budget proposal to get rolling.
The United States is the world?s colossus when it comes to every other kind of military hardware, yet it has just one functioning icebreaker: the medium-strength USCGC Healy, which is primarily used for research. The ship made headlines recently for breaking open a route to the Alaskan town of Nome to aid in the delivery of much-needed fuel. It was a great mission, but it may have left an overly upbeat impression of American capabilities. The country also owns two heavy-duty icebreakers: One of the aging vessels is being decommissioned, and the other is being refurbished after years of disuse. That?s not good enough. While it?s encouraging to finally see some progress being made in the current budget proposal, the problem is far from solved?and the United States has national interests in icy waters.
Here are three things to know about America?s icebreaking capabilities.
1. America?s huge northern coast is barely patrolled.
Coast Guard cutters are stationed in the Bering Sea, and C-130s take infrequent flights over American waters beyond the North Slope. However, the United States does not have what you?d call a persistent maritime presence in the Arctic, a region with increasing geopolitical importance. Most of the time, there are no patrol ships or planes up there at all.
It?s ironic, but the warming Arctic has actually increased demand for icebreakers. The Coast Guard needs more of the ships to prepare for search-and-rescue missions, oil-spill response (offshore drilling by Shell could commence in the Beaufort and Chukchi Seas this summer), law enforcement, and plain old flag-waving in northern waters.
These ships are also needed for science. The United States is a leader in oceanography, climate investigations, and all kinds of polar studies, thanks partly to the National Science Foundation?s first-rate support of research. (In fact, the NSF has overseen the budget for maintaining icebreakers since 2006; the proposed budget properly puts that responsibility back with the military.)
But with just one or two working icebreakers, there?s no way the NSF and Coast Guard can accomplish all they need to. When the Healy churned its way to Alaska to help deliver fuel, its maintenance schedule was thrown off. As a result, scientific projects may have to be delayed this summer. To deliver supplies to America?s McMurdo Station in Antarctica each year, the NSF has been relying on foreign-flagged vessels. As PM reported last July, Sweden?s move to pull its icebreaker Oden off the McMurdo job put the entire 2011?2012 research season in jeopardy. NSF scrambled and eventually was able to commission a Russian vessel.
This feels a lot like the situation in space: With the retirement of the space shuttle, the United States can?t fly astronauts to the International Space Station without a lift from Russian rockets. Now, it appears, the country can?t supply its main Antarctic base without Russian help, either. Building up America?s fleet of icebreakers will resolve such situations while allowing the Coast Guard to react to a changing world.
2. The U.S. is falling behind.
China, a country with no Arctic coast, is building icebreakers?and that should get America?s attention. It?s one thing for Russia, with the world?s longest Arctic coastline, to operate a couple dozen of the ships. (Fortunately, they?re available for leasing, at a price.) It?s understandable, maybe, for Finland, Sweden, and Canada to surpass the United States in this area. But why is China constructing an 8000-ton vessel capable of breaking through 4.5 ft of ice at a steady clip, to join the XueLong, its existing ice-class vessel?
In fact, China?s interest is unsurprising given its role as a world economic power. Commercial ships are already traversing the Northern Sea Route above Russia, carrying goods between Europe and East Asia. Often, icebreakers go along as insurance against bad conditions. And soon, ships will start carrying liquefied natural gas from Norway along the route.
Traffic through the Northwest Passage above Canada is building more slowly, and talk of the Arctic sea routes competing with the Suez Canal is overblown. Nevertheless, the Bering Strait between Alaska and Russia is already getting crowded. According to Rear Adm. Thomas P. Ostebo, who commands the U.S. Coast Guard in Alaska, about 1000 vessel transits take place in the Strait each summer. That?s America?s backyard.
3. Icebreakers are expensive, but we don?t need a lot of them.
The defense budget is shrinking, and previous studies have pegged the price of a high-powered icebreaker at $800 million to $1 billion. However, the Coast Guard?s wish list for icebreakers is a small one, including up to four heavy-duty and two or three medium-duty ships. Even just one additional heavy-duty icebreaker would make a big difference, which is why it?s important for the project envisioned in the White House?s budget proposal to get rolling.
The Pentagon saved several billion dollars last year by canceling the Marine?s Expeditionary Fighting Vehicle, an amphibious assault technology. Investing a fraction of the savings in an icebreaker program could double or triple U.S. capabilities. Similarly, the Navy plans to build dozens of littoral combat ships for operations relatively close to shore: That?s an important program. But as Lawson Brigham, a University of Alaska professor and former icebreaker captain, has pointed out, sacrificing just one or two of those ships could provide the money to roughly double the Coast Guard?s icebreaking muscle.
The Arctic will become steadily more important politically and economically as the 21st century progresses, and the United States is fortunate to be an Arctic nation. It?s time for the country to rebuild its northern seafaring capabilities.
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Friday, February 17, 2012
Asian-Americans rejoice as Lin smashes stereotypes
Fans hold up New York Knicks' Jeremy Lin photos to distract a Sacramento Kings player during a free throw attempt during the second half of an NBA basketball game on Wednesday, Feb. 15, 2012, in New York. (AP Photo/Frank Franklin II)
Fans hold up New York Knicks' Jeremy Lin photos to distract a Sacramento Kings player during a free throw attempt during the second half of an NBA basketball game on Wednesday, Feb. 15, 2012, in New York. (AP Photo/Frank Franklin II)
New York Knicks' Jeremy Lin (17) drives past Sacramento Kings' DeMarcus Cousins (15) during the second half of an NBA basketball game on Wednesday, Feb. 15, 2012, in New York. Lin had 10 points and 13 assists as the Knicks won the game 100-85. (AP Photo/Frank Franklin II)
New York Knicks' Jeremy Lin, center, talks with teammates Carmelo Anthony, left, and Amare Stoudemire, right, during the second half of an NBA basketball game against the Sacramento Kings, Wednesday, Feb. 15, 2012, in New York. LIn had 10 points and 13 assists as the Knicks won the game 100-85. (AP Photo/Frank Franklin II)
Sacramento Kings' Tyreke Evans (13) passes away from New York Knicks' Tyson Chandler, front left, and Jared Jeffries, right, during the second half of an NBA basketball game as Knicks' Jeremy Lin, background, watches on Wednesday, Feb. 15, 2012, in New York. (AP Photo/Frank Franklin II)
They know what it feels like to be overlooked. People assume they are weak, servile, out of place. So when these Asian-Americans watch Jeremy Lin slash and shoot his way through the NBA's finest, it's almost as if they are on the basketball court with the California-born point guard who has set the zeitgeist on fire.
Asian-Americans have rallied around other athletes ? Michael Chang, Hideo Nomo, Yao Ming, Michelle Wie, Ichiro Suzuki. Tiger Woods was embraced for his Thai side. But Lin has a new and different appeal.
As the child of Taiwanese immigrants, Lin is quintessentially Asian-American. He was ignored instead of hyped. He emerged from the end of the bench to hoist the sinking New York Knicks to win after improbable win. A few hints of racism have scratched the edges of his growing fame, but Lin continues to put up unprecedented numbers and capture the imagination of mainstream America.
In a mere half-dozen games, Lin became that rarest of Asian-Americans: a widely regarded hero.
"There's a certain validation to this," said Phil Yu, founder of the influential blog Angry Asian Man, which tracks and discusses Asian issues.
"Asian-Americans are still seen as foreigners in this country," Yu said. "Seeing Jeremy Lin accepted and celebrated in this American sport, it makes us more American, and it makes other people see us as more American."
The moment that resonates most with Yu is not Lin's game-winning 3-pointer against the Raptors with less than a second to play. It's not Lin's 38 points to beat the Lakers after Kobe Bryant said he didn't know who Lin was. It's not Lin's crossover leading to a soaring dunk against the Wizards, even though the play victimized John Wall, the top draft pick the year Lin went unselected.
Instead, Yu cherishes seeing a picture of two white fans wearing Lin's No. 17 Knicks jersey.
"There is no comparison to anything else I've ever seen," Yu said. "I can't describe how I'm feeling." Watching Lin's highlights, "I got a little bit choked up, honestly."
Ren Hsieh had a different reaction as Lin was torching the Lakers: He shouted loud enough to wake the baby in the other room. "It was the improbability of it all," he said.
"I've never seen it happen ..." NBA analyst Tim Legler said on ESPN. "A guy that had three different teams look at him and not see what we're seeing now?"
The reason is obvious to Hsieh, who played high school basketball in Houston and now runs a league and foundation promoting Asian-American athletics.
"No one would outwardly say (Lin was passed over) because he's Asian, but every Asian-American athlete knows that feeling of being overlooked," he said. "I certainly felt it when I was playing."
"You get a look in people's eyes, they just don't get excited to see you. They don't say, 'Oh man, I gotta have this kid on my team.' Every Asian-American athlete has always had to really bust their butt to get a chance to play at a high level."
Hsieh remembers the skepticism when the China-born Yao entered the NBA. One commentator, retired NBA legend Charles Barkley, promised to kiss his co-host's posterior if Yao scored 19 points in a game.
Yao went on to score 19 or more points 268 times in his eight-year All-Star career, and Barkley kissed a donkey on national television.
Lin was similarly underestimated. He led his high school team to a state championship, but was ignored by every Division I college team except Harvard. He was cut by two NBA teams and could barely get on the floor in practice, until the injury-riddled Knicks handed him the ball almost in desperation. Now Lin owns an NBA record for most points in the first five games as a starter.
So when someone labels Lin "deceptively athletic" even though he has a typical point-guard build, or when his teammate Tyson Chandler says, perhaps jokingly, that he didn't know the 6-foot-3 Lin could dunk, some see stereotypes afoot.
That was a point made by Knicks superfan Spike Lee. Brainstorming a slew of Lin nicknames, he gleefully tweeted, "Jeremy 'Stop Asian Profile' Lin."
"The word athlete is really not associated with people of Asian descent," said Helen Xia, author of "Asian American Dreams: The Emergence of an American People."
Xia said Asians were first viewed in America as "coolies," laboring on railroads, laundry or in restaurants. Then they were a stealthy and diabolical wartime enemy, then rivals stealing American jobs with cheap labor. Today the labor stereotype has transferred to another arena, with Asians viewed as math-and-science robots toiling over books and computer screens.
Xia calls Lin's rise in a game as athletic as basketball "stunning" and "a real turning point."
Nobody deliberately excluded Lin because of his ethnicity, Xia said: "That's not the point. . The pervasive and insidious nature of racism keeps us from seeing what's right in front of us."
Lin has declined to dwell on racial issues, but he did tweet that when he first joined the Knicks, "Every time I try to get into Madison Square Garden, the security guards ask me if I'm a trainer."
There have been countless Asian-based puns, like the New York Post's "Amasian" headline. The Knicks' own TV network showed a graphic with Lin's head popping out of a fortune cookie. Boxing champ Floyd Mayweather tweeted that Lin was getting attention just because he's Asian. And Fox Sports columnist Jason Whitlock tweeted a cruelly racist remark about Lin's manhood. (Whitlock later apologized.)
Whitlock's tweet drew the most outrage. "Asian-American men in particular have faced a direct, in-your-face emasculation," said Helen Gym of Asian Americans United in Philadelphia. Whitlock's remark "has been said a million times. It's a typical saying when you want to take somebody down."
It didn't work with Lin. Women were in the stands this week with "Be My Va-LIN-tine" signs. Websites were matchmaking Lin with women of all ethnicities. A YouTube video shows an Asian girl dumping her white boyfriend for an Asian man after watching Lin on the court.
"He's giving Asian men some swag," said Jeffrey Ng, founder and creative director of the Staple Design clothing and creative agency in New York City.
When Ng started selling hip-hop apparel 15 years ago, there were no Asian-Americans in his business. Meeting with clients, "I always felt this, like, why are you here? No matter how good my clothing was, I had to first answer the question of, why are you in this room?"
"Lin had to work twice as hard to overcome that first question of, 'Why are you on this court?'"
Peter Kim, an actor in Los Angeles, said Lin's success could open up more opportunities in his business, which puts few Asians in leading or romantic roles.
He recalled that when Lin beat the buzzer to give the Knicks the win against the Raptors, the crowd exploded ? and the game was in Toronto, not New York.
"That alone should show how significant Jeremy Lin is to the Asian people," Kim said. "He's not just an athlete playing for a team. He's playing for a whole culture and our representation to the rest of the world."
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Jesse Washington covers race and ethnicity for The Associated Press. He is reachable at http://www.twitter.com/jessewashington or jwashington(at)ap.org.
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Online:
Ren Hsieh's foundation for Asian athletics: http://www.dynastyproject.org
Jason Whitlock's apology: http://on-msn.com/waJonC
Charles Barkley loses the Yao Ming bet: http://bit.ly/wqKsMt
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