Wednesday, May 30, 2012

Veterans Opt out of Corporate America and Into the ATM Franchise ...

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They are among the nation?s elite when it comes to leadership, teamwork and getting the job done, so how do they work all of those skills into a stable, long-term career ?

Charlotte, NC ? Of the approximately. 80 million small businesses in the U.S., four million are owned by US Veterans and 400,000 small businesses are owned by service-disabled veterans.

In the meantime, those veterans looking to get their feet into a small business are still having difficulty during this recession, as millions of Americans are.

Veterans are frequently overqualified for most entry-level jobs in terms of the technical expertise they have gained on the battlefield, yet they may not be quite experienced enough for mid-level jobs. They are among the nation?s elite when it comes to leadership, teamwork and getting the job done, so how do they work all of those skills into a stable, long-term career?

ACFN. a California based ATM Franchise Business is offering returning veterans the opportunity to start their own business, and fast.

Brian G, a veteran of the US Marines, is one of the many veterans who found his future with ACFN. After considering a transition into the corporate world, Brian instead opted to take a chance on business ownership. Now he operates a number of ATMs in his home state.

Brian?s main objective in owning his own business was the possibility of rapid expansion. He mentions, ?I wanted to grow my business as fast as possible to produce an annual income large enough to sustain myself and my family. ACFN offered that without any major challenges.?

President of ACFN Jeff Kerr built his business with those goals in mind. He intended to create a business that was extremely flexible and allowed franchisees to dictate the size of their business without any drawbacks. He comments, ?An ACFN business is very flexible and in most cases can be molded and scaled to fit a franchise owner?s specific set of circumstances.

?By allowing franchisees to retain their jobs and other business activities they have the benefit of rolling their ACFN profits directly back into their business to grow their business at a faster pace.?

VP of Sales Robert Harris, adds ?Many of our franchisees have enough profitable locations to support themselves and so they choose to use their extra income exclusively for business growth. It?s a proven system and continues to make many of our owners very happy.? Over ten percent of ACFN Franchisees are Veterans.

The Veterans Administration is collaborating with the Small Business Administration and the General Services Administration to certify Veteran owned small businesses and service disabled Veteran owned small businesses for listing on the Federal Supply Register, which enhances their visibility and competitiveness, creating jobs for Veterans.

The SBA also partners with micro-lenders and other financial institutions providing small loans of up to $35,000. The Military Reservist Economic Injury Disaster Loan exists in case the vet?s business suffers economic damage after he or she is activated for duty. Another program, the Patriot Express Loan, is available to veterans, disabled vets, Reserve and National Guard members and spouses.

About American Consumer Financial Network (?ACFN?)

ACFN is ranked the 37th Fastest Growing Private Company in Silicon Valley by the Silicon Valley Business Journal for 2009 and the 64th Fastest Growing Private Company on the Inc. Magazine listing of Top 100 Business Products & Services for 2009 and recognized by Entrepreneur Magazine as one of the ?Fast 50? franchise companies?.

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Reports: 5 dead in Italy's latest 5.8 earthquake

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A Look at All Those Over-the-Top Interfaces in The Avengers [Design]

Besides all of the obvious visual effects like flying aircraft carriers and giant green rage monsters, there's a lot of post-production work in a blockbuster movie like The Avengers that you might not notice. Even though it's splashed across computer screens and heads-up displays throughout the film. More »


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Tuesday, May 29, 2012

Timeline : Egypt since revolt against Hosni Mubarak

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Essential Pointers in Home Remodeling | Home Improvement Ideas

The really feel of the new home is exhilarating. However it isn?t each day which you get to buy a brand new home. So, the one choice which you need to give your home this kind of a type of really feel is by remodeling it. But, you do not just transform easily, there are some issues which are essential for you personally to help keep in thoughts prior to, throughout and following the home remodeling job.

Prior to

Prior to you begin, it usually pays off in the event you can strategy elaborately that which you wish to occur for your home. Do not believe that preparing will only be time-consuming as within the finish, you?ll be in a position to save lots of effort and time when you?ve got prepared early on.

Studying will help give depth towards the ideas which you will probably be generating. You are able to do your analysis online, in design publications or in publications. You don?t just duplicate that which you see within the photos however you also ought to attempt to know the link in between the various components of design to be able to produce extraordinary home design ideas.

Following preparing, the following factor which you have to do would be to buy the supplies which you will require. Probably the most typical, even though that which you personally require will rely in your home, are paints, equipment, and cleansing products.

Throughout

The creating phase entails all of the labor and guide labor. If you would like, you are able to employ an inside designer to do that job for you personally. But when you need to get it done by yourself, issues may be produced simpler by performing it systematically.

Start using the floors, the partitions or even the ceilings. Then, you are able to move forward towards the furniture along with other home fixtures. You are able to depart the additional space equipment because the final job which you will probably be performing. You are able to do the remodeling one by one, one furniture or home facility at a time. But, this will not permit you to see the alter which you wish to discover inside your home. This is actually the cause why most do their home remodeling inside a time that?s as brief as you possibly can.

Really feel free to deviate out of your strategy whenever you believe the new concept that you?ve will probably be much better. Occasionally, you cannot truly create a great choice when it comes to the design unless of course you?ve noticed it. Combine and match colours when you see them match. Attempt out various mixture till you arrive up with what appears to become the very best one.

Following

As soon as you?ve carried out all of the ideas in remodeling the home, the following care will entail, obviously, tidying and maintaining the supplies which were utilized. As early as you possibly can, eliminate marks of renovations like paint splatter, furniture drag marks, and so on. Apart from that, it?s also essential to consider great care from the ?new house?. Home cleansing ought to be carried out frequently. It ought to be stored thoroughly clean, and its present appear ought to be taken care of. Consider notice which you can maintain the appear from the home so long as you want. But, remodeling it once more within the close to long term might also be regarded as.

Related posts:

  1. Essential Home Remodeling Tips
  2. Home Remodeling Tips ? Obtaining Began
  3. Home Remodeling Elevating the worth of one?s Home
  4. Home Remodeling Developments ? Stainless-steel Cupboard Handles
  5. Home Remodeling Ideas for the Home Enhancement

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Serena Williams Explains Giving Up On Men, ?The last relationship ...

After several (that may be an over-exaggeration, but who knows) failed relationships, tennis star Serena Williams has officially given up on love for the next 10 years and commits herself to her number one love: tennis. Williams is known for her public relationships with rappers Drake and Common, along with actor Jackie Long. In an interview with Celebuzz Williams explains:

?I have given up on dating, it just hasn?t worked out well for me. I?m a really emotional person. I give my all and everything. I do make mistakes ? like every human does ? but the last relationship just was too much of a heartbreak for me. I just can?t go through that anymore. It was hard.?

When asked about her current status she shared:

?I?ve just had bad luck in love. If it doesn?t work, just leave it alone, right? I think in general I have much better commitment to tennis now. I really feel 100 per cent. I love being on the court ? I love every moment. This is what I live for.?

What do you think of Serena?s perspective on love? Should she take a break and focus on her career, or should she stop dating men in the entertainment industry?

[SOHH, Zimbio]

-India Renee

Related posts:

  1. Venus Williams' Vajazzled Tennis Outfit + Plus She Explains Why She Rocked It
  2. Serena Williams Shares She Never Liked Sports, ?I mean I don?t love tennis today, but??
  3. Because She F*cking Can?.Serena Williams Rocks a Laytex Suit on the Tennis Court
  4. Serena Williams? Stalker Caught + Serena Be Booty Poppin?
  5. The Look Of Intensity : Serena Williams Spotted on the Tennis Court

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Monday, May 28, 2012

James and Durant headline All-NBA selections


(Reuters) - Most Valuable Player LeBron James of the Miami Heat and top scorer Kevin Durant of the Oklahoma City Thunder headlined the list of players selected for the All-NBA team, the league said on Thursday.

Dwight Howard of the Orlando Magic, Kobe Bryant of the Los Angeles Lakers and Chris Paul of the Los Angeles Clippers joined James and Durant on the first team.

James, who has won three of the last four league MVP awards, earned first team honors for a fifth consecutive season and sixth overall since entering the National Basketball Association (NBA) in 2003.
The eight-time All-Star ranked third in the NBA in scoring, averaging 27.1 per game in the 2011-12 season, and paced the Heat in assists, with an average of 6.2 per game.

Durant gained All-NBA first team selection for a third time after leading the league in scoring (28 points per game) for a third straight year. He scored at least 40 points four times, including a career-high 51 against the Denver Nuggets.

Magic center Howard, who led the league in rebounding with a career-high average of 14.5 per game and also in field goal percentage (.573), won All-NBA first team honors for a fifth consecutive season.

Bryant was chosen for the seventh consecutive season and 10th time in his career while fellow guard Paul, who paced the league in steals with an average of 2.53 per game, gained the honor for a second time.

The second team consisted of San Antonio's Tony Parker, Oklahoma's Russell Westbrook, Blake Griffin of the Los Angeles Clippers, Minnesota's Kevin Love and Andrew Bynum of the Los Angeles Lakers.

Third team members were Miami's Dwyane Wade, Boston's Rajon Rondo, Carmelo Anthony and Tyson Chandler of the New York Knicks, and Dallas Mavericks forward Dirk Nowitzki.

The teams were selected by a panel of 120 journalists in the United States and Canada.

(Reporting by Mark Lamport-Stokes in Los Angeles; Editing by Frank Pingue)

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tikimedia: Tool Helps Strengthen The Cell Phone Signal

Communications at this time is something very important for all people in the world. In ancient times ancient people communicate through graffiti or painting that is in the cave. Just imagine if there is no communication in the era of globalization, a country might not be aware of what happens in other countries. Communications at this time was very advanced. One of the many products that are needed for mobile communication. Development of mobile phones from time to time is very fast. Its scope was just more and more widespread. These features are also stuffed more and more, not only to call it, even separate features that should be only in one hand like a camera, internet connection, GPS, music player and so on.

Surely you will experience problems if your phone signal is problematic, because you will not be able to call and conduct communication with your mobile phone. if you are in your cell phone would work often did not get a signal. Because sometimes when you are in an area full of high rise building, then the signal you receive is not very good. These buildings can block the signal distribution. Therefore, in order to get a good signal you can use Wilson Electronics 841262 DB Pro 65 dB Adjustable Gain 800/1900MHz In-building Wireless Smart Technology IITM Signal Booster Kit with Omni-Directional and Panel Antenna for Home or Office, this will help you to get a good cell phone signal.

Strong signal was also dependent of cell phone range with the transmitter signal is transmitted and received are also not very good. Average transmitter coverage area of about 1 or 2 km. if you are in the suburbs to rural areas will usually be difficult to get the signal, therefore the use of Wilson Electronics 841262 DB Pro 65 dB Adjustable Gain 800/1900MHz In-building Wireless Smart Technology IITM Signal Booster Kit with Omni-Directional and Panel Antenna for Home or Office is in need. If you want to have it we have provided Wilson Electronics 841262 DB Pro 65 dB Adjustable Gain 800/1900MHz In-building Wireless Smart Technology IITM Signal Booster Kit with Omni-Directional and Panel Antenna for Home or Office for you. This means you can be at an affordable price.

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Carlisle Ford Nationals To Giveaway 2013 Mustang Presented by Gumout

The Gumout Performance Products annual Carlisle Ford Nationals is known for celebrating the blue oval with thousands of Fords showing up to the fairgrounds each year. However, this year may be a little different considering a brand new Mustang will be up for grabs to one very lucky winner. The beauty up for grabs is a brand new 2013 Mustang V6 auto Coupe. While most people hate on a V6, some of the V8s around still aren?t packing the horses this thing is tucking under the hood and they sure as hell don?t get the gas mileage, either!

The annual Ford Nationals will kick off the Summer of Muscle at Carlisle in style from June 1-3. Last year, a Pinto took center stage, but this time it?s a horse of a different color. So if you?re interested and are attending the Carlisle Nationals, you can go to www.CarlisleEvents.com/giveaway while registering online and through kiosks located on site at the new guest services building west of the main grandstand.

The color of the Mustang hasn?t been determined yet, but the winner gets $10k toward a lease on the brand new ride. That number is based off of the MSRP of the vehicle being $24,485 and has been calculated based on the standard 21k mile, 2-year red carpet lease. Of course the winner will still be responsible for taxes, fees, titling, registration, insurance costs, and all of that fun stuff. The money will be paid to the dealership selling the ?Stang and the leases are subject to Ford Credit approval.

?We are very pleased to be able to offer a lease giveaway for a 2013 Mustang at this year?s Ford Nationals,? said event manager Rick Markko. ?Our thanks to Ford for producing the Mustang and helping us get a good deal so we can offer this hot little ride to our Blue Oval fans. One lucky fan will strap on the spurs, jump in the saddle and fire up this proud pony and ride off into the sunset.? Markko added that ?we?ll be smiling as much as the winner so be sure to sign up now!?

That?s not all, though. The event already gives away an engine courtesy of Ford Racing. Besides the prizes, there will be awesome displays as well as family activities. If you?re not interested in that, you got to see the burnout competition, beauty contest, drag racing at Quarter Aces Drag-O-Way, downtown parade, industry guests among other things. The 2012 Ford Nationals seems like it?s not an event to miss so plan to attend and sign up to win a two year lease on a brand new ?Stang. Who wouldn?t want to go to an event with Fords as far as the eye can see?

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Jessica Sanchez an inspiration to Samale?os -- mayor

Wednesday, May 23, 2012

SAMAL, Bataan -- ?She has become the inspiration for us to move on ? the spirit that has strengthened unity among the people of Samal as we move on and in getting where we ought to be. She is the pride of not only this town but the whole country as well.?

So shared Samal Mayor Generosa M. Dela Fuente of 16-year-old American Idol wonder Jessica Sanchez, as the Filipina-Mexican-American will get on the stage today in the finals with Phillip Phillips in a historic moment in the competition?s history.

Have something to report? Tell us in text, photos or videos.

Sanchez has roots in this rising town, where her mother Editha grew up in the ancestral house in Barangay San Juan. The village is home to her kin from the Bugay clan.

?Kakaiba talaga siya. She is something else in that siya ang tulay ng tunay na pagkakaisa. Her rise to the top is timely and phenomenal and has become a symbol of hope for all, especially Samale?os,? Dela Fuente told Sun.Star Pampanga.

As part of the whole-day jubilation in this town -- win or lose ? Dela Fuente said the Municipal Government and the church will celebrate an early morning Holy Mass, have raffles and prizes for Samale?os, street dancing, shows with local and national talents and a grand motorcade.

?As part of our tribute to Jessica, hopefully when she finds time for a homecoming here, the Municipal Council will pass a resolution of support and recognition. Also, I have requested the Bataan Mayor?s League to generate more support for her. Already, streamers and banners about her are all over Samal and Bataan. This early, we are congratulating Jessica already for making it to the finals of American Idol. We are truly proud of her,? concluded Dela Fuente.

Published in the Sun.Star Pampanga newspaper on May 23, 2012.

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Sunday, May 27, 2012

What exactly are Residing Trust Frauds

As you realize, a residing have confidence in is actually an authorized arrangement where an individual, named the ?grantor,? locations his assets right into a have confidence in for the duration of his life time. The have faith in is run by a ?trustee? for the advantage in the trust?s beneficiaries. The grantor could become a trustee plus a beneficiary in the rely on. Residing trusts really are an extensively recognized and legitimate estate organizing device. Since property transferred to the have confidence in are no more time owned from the grantor, in the grantor?s dying, the property will not be element of the grantor?s estate and don?t have to be probated. Accordingly, a living believe in can stay away from what may be a costly, lengthy procedure. Regardless of whether or not this really is a major advantage may differ by the size from the estate and by state and locality; for small estates, quite a few states have an off-the-cuff probate course of action that minimizes expense and delay. No matter if a residing have confidence in is definitely an appropriate estate organizing instrument relies upon on an individual?s situations and targets, and state laws.

B. Ripoffs Involving Living Trusts

Misinformation and misunderstanding about probate and estate taxes provide a ripe atmosphere for fraud artists to prey on older consumers? fears that their estates might be eaten up by charges, and that distribution of their belongings to family members might be lengthy delayed. Some unscrupulous firms advertise seminars on living trusts or ship postcards inviting shoppers to contact for in-home appointments, ostensibly to find out no matter whether a living rely on is ideal for them. A popular practice is to tremendously exaggerate the advantages of living trusts and falsely claim that locally-licensed attorneys will prepare the files. In some instances, consumers deliver revenue for residing believe in kits but obtain nothing at all. In other people, the supply of estate organizing services is merely a ruse to gain access to consumers? financial info and also to market them other financial items, which include insurance coverage annuities. These practices might violate federal securities laws, as well as other legal guidelines.

Lots of state Lawyers General and other authorities, such as disciplinary or grievance committees of state or town bar associations, have taken enforcement actions against living believe in scam artists. Some instances have already been introduced under state Unfair and Deceptive Functions and Practices legal guidelines. Others have already been prosecuted as the unauthorized apply of law because the salespeople were not lawyers. Even in instances exactly where there might be some attorney assessment, it may possibly be inadequate to render the activity authorized. The U.S. Securities and Trade Commission also has prosecuted firms purporting to give estate planning services, including residing trusts, for violating the securities laws via fraudulent financial commitment schemes concentrating on senior citizens.

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Saturday, May 26, 2012

Herbert Hoover's bad rap

Though Roosevelt gets credit for saving the nation, Hoover was far from a 'do-nothing president.'

By John P. Cochran,?Guest blogger / May 25, 2012

In this photo taken June 17, 1931, President Herbert Hoover is seen during a visit to Springfield, Ill., to rededicate Lincoln's Tomb.

The State-Journal Register/AP/File

Enlarge

Peter Boettke has an excellent commentary over at Coordination Problem, ?Is This How the Myth of the Laissez Faire Herbert Hoover Was Invented??. He concludes, ?Herbert Hoover was as much of a laissez faire president as Barack Obama has been or the leaders in Europe have been. From a free market perspective, the steps taken since 2007 have turned a market correction into an economy wide crisis and then a global crisis. Those steps were anything but ?do nothing,? and they were taken first by a Republican President and then pursued further by a Democratic President. We have never given ?nothing? a chance. But mythologies need to be created in order to tell neat historical tales. Laissez faire Hoover is replaced by activist FDR and the nation is saved.?

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This is the institutional blog of the Ludwig von Mises Institute and many of its affiliated writers and scholars commenting on economic affairs of the day.

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Pierre Lemieux in Somebody in Charge: A Solution to Recessions? provides a detailed and enlightening discussion of how the issues Peter raises in his post played out in the recent crisis. Policy failure, not market failure generated the malinvestments and crisis. The rush to do something slowed recovery.

From my review essay (pdf available on request), in The Independent Review ?A Crisis of Authority: Pierre Lemieux?s Somebody in Charge: A Solution to Recessions?, the SUMMARY?

?The roots of the recent financial crisis, according to economist Pierre Lemieux, lay not in greed and self-interest running amuck in unhampered markets, but in the policy and regulatory structure that created and enabled excessive leverage and risk taking. If Lemieux?s latest book were widely read, more people would believe that financial regulators and central banks are not needed to avoid financial crises and economic recessions.

And the conclusion:

?Lemieux?s conclusion that ?The causes and legacy of the economic crisis of 2007-2009 reveal a deeper underlying crisis, which is a crisis of authority? (p. 162). If this book was widely read and widely used in classrooms, it could be very useful in awaking more of the public that we do not need somebody in charge. What we need is ?Wicksteed?s car of collectivism? to ?be stored on a sidetrack? (p. 163).?

The Christian Science Monitor has assembled a diverse group of the best economy-related bloggers out there. Our guest bloggers are not employed or directed by the Monitor and the views expressed are the bloggers' own, as is responsibility for the content of their blogs. To contact us about a blogger, click here. To add or view a comment on a guest blog, please go to the blogger's own site by clicking on blog.mises.org.

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Who deserves some early awards?

Atlanta's Beachy a Cy Young contender, while Wright's bat carrying Mets

Image: WrightGetty Images

Mets slugger David Wright is flirting with .400 during the first third of the season.

ANALYSIS

By Tony DeMarco

NBCSports.com contributor

updated 11:59 p.m. ET May 24, 2012

Tony DeMarco

Memorial Day weekend means the season's rapidly rolling along ? the one-third mark rapidly is approaching. In other words, general managers have had enough time to know what they have on their rosters, and more importantly, what they still need in what surely will be wide-open playoff chases.

And, we've had enough time to make the following observations that have gone beyond the it's-still-early category:

AWARD LEADERS

AL MVP: When you're a couple of batting average points from having a Triple Crown winner, this one is obvious. Josh Hamilton is the best player on what clearly has been baseball's best team. Not to ignore the great starts for Paul Konerko and Adam Jones, though. Konerko actually led Hamilton in batting average and on-base percentage through Wednesday.

NL MVP: It was unanimously Matt Kemp in April. Then he slumped, went on the disabled list and the Dodgers won six in a row without him. So at this point, we'll go with David Wright, who through Thursday had the remarkable slash line of .405/.500/.628 in leading the surprising Mets.

AL Cy Young: Nothing mysterious here ? Justin Verlander is first or second in the AL in innings, strikeouts, ERA, WHIP and wins. Much more surprising are the great first two months of Jake Peavy, Derek Lowe, Brandon Morrow and Chris Sale.

NL Cy Young: The statistical difference between favorite Clayton Kershaw and still-unknown Atlanta pitcher Brandon Beachy boils down to Kershaw's better strikeout-walk ratio (4-1 to 3-1). Which makes Beachy's story all the better: Undrafted free agent out of Indiana Wesleyan University, signed for $20,000, started his minor-league career in the bullpen, and four years later, a Cy Young-caliber starter.

AL Manager of the Year: It can only be Buck Showalter, as the Orioles were a near-unanimous spring choice for another last-place finish in the AL East. Nobody knows how long they can hang around, but there are enough positive signs throughout the organization for legitimate optimism. This also could be the year Manny Acta gets his due, while Joe Maddon remains the most interesting manager in the world.

NL Manager of the Year: Nobody was paying attention when the Dodgers turned the corner last August and went 34-20 down the stretch. But everybody is aware of Don Mattingly's team now, as it sat 30 games over .500 at 64-34 in its last 98 games through Wednesday.

It's who Mattingly is winning with that makes his case. Kemp, Mark Ellis, Juan Rivera, Juan Uribe, Jerry Hairston Jr. currently are on the disabled list, Dee Gordon was benched then dropped to eighth in the order, and James Loney's power struggles continue. Yet the wins keep mounting with lineups including Jerry Sands, Justin Sellers, Elian Herrara, Scott Van Slyke and Ivan DeJesus.

AL Rookie of the Year: He's no rookie, of course -- not when it took over $100 million to get him out of Japan. But Yu Darvish is eligible for the award and gets it at this point. But Mike Trout is making it interesting, isn't he?

NL Rookie of the Year: We know where this likely is leading as the season unfolds -- Bryce Harper. Especially when this isn't a particularly strong year for NL rookies. Wade Miley, Yonder Alonso, Zack Cozart and Kirk Nieuwenhuis are off to nice starts.

Best surprise team: Given what's written above in the NL Manager of Year category, the Dodgers shouldn't be a huge surprise. But they have built a solid lead in both the division and wild-card races, and new ownership will add at the trade deadline.

Also, the Nationals have risen to the top of the NL East behind great starting pitching ? and without Michael Morse (expected back in June), Drew Storen (expected back in July) and Brad Lidge (expected back in June).

Most disappointing team: Tie: Angels and Tigers. Albert Pujols has been far from alone, as Erick Aybar, Ervin Santana, Dan Haren and Peter Bourjos also have underachieved. Injuries/losses of Chris Iannetta, Torii Hunter, Vernon Wells have been costly. The bullpen had to undergo a reconstruction and appears to be settling. The infusion of Mike Trout and Mark Trumbo in the every-day lineup has lit some recent offensive sparks.

As it's turning out in Detroit, Miguel Cabrera playing third base has been less of an issue than Prince Fielder playing first base. The offense's problems lie with the supporting cast ? with the obvious exception of Austin Jackson. The bullpen could be bolstered by the trade deadline, but there is hope for the rotation with Doug Fister's return and the expectation that Max Scherzer and Rick Porcello will lower current 5-plus ERAs.

The two-month All-Stars
AL?
1B: Paul Konerko, 2B: Robinson Cano, SS: Derek Jeter, 3B: Adrian Beltre, OF: Josh Hamilton, Austin Jackson, Adam Jones, C: Joe Mauer, SP: Justin Verlander, Closer: Jim Johnson.

NL ? C: Carlos Ruiz, 1B: Brian LaHair, 2B: Omar Infante, SS: Rafael Furcal, 3B: David Wright, OF: Matt Kemp, Melky Cabrera, Ryan Braun; SP: Clayton Kershaw, Closer: Jonathan Papelbon.

Biggest disappointments: 1B: Albert Pujols; 2B: Rickie Weeks; SS: Erick Aybar; 3B: Pedro Alvarez; OF: Jeff Francouer, Logan Morrison, Peter Bourjos; C: Nick Hundley; SP: Tim Lincecum, Clay Buchholz, Francisco Liriano; RP: Carlos Marmol, Francisco Cordero.

By the numbers: How much better are the Rangers than the rest of the AL?: Through Wednesday, they led the majors with a +79 run differential. The next-highest AL team was Toronto at +35, and no other team was better than +17.

How much worse are the Twins than the rest of the AL? Through Wednesday, they sported a -69 run differential. Next worse in the AL were the Royals at -22.

Which surprise team is least likely to sustain its current winning percentage? Taking nothing away from the job Terry Collins has done in a very tough situation, the Mets had a 24-20 record despite a -29 run differential through Wednesday.

With the exact same run differential, the Brewers were 18-26. And the Rockies were 16-27 with a -27 run differential. How have the Mets gotten there? They're 9-5 in one-run games, but have lost by scores of 8-2, 14-6, 9-3, 6-1, 7-2, 18-9, 8-1, 8-0 and 14-5.

? 2012 NBC Sports.com? Reprints

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Who deserves some early awards?

DeMarco: David Wright's hot bat ? he's hitting .405 ? makes him the pick for NL MVP thus far. But that's just for starters in our feature.

Pirates blank Cubs for 10th straight loss

PITTSBURGH (AP) - A.J. Burnett and four relievers worked out of trouble all game and the Pittsburgh Pirates sent the Chicago Cubs to their 10th straight loss with a 1-0 victory on Friday night.

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Friday, May 25, 2012

The Compact Bluetooth iOS Remote That Apple Won't Give Us [Remote Controls]

Apple's wireless Bluetooth keyboard plays wonderfully with all of the company's hardware, from laptops to iOS devices. But for whatever reason, Apple has limited its lovely aluminum remote to IR, so it won't work with your iPhone or iPad. So Satechi has stepped in to save the lazy day. More »


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AUTO INSURANCE: Insuring a new vehicle

So you've bought yourself a new car? Congratulations! That's certainly a purchase that matters a lot to most car owners. Whether it's your very first car or just another vehicle to add to your garage, buying a new car is always exciting. Each car certainly feels different on the road and you will always try to find the model that will make you feel comfortable both as a driver and as a passenger. But with a new car comes new responsibility, which always takes the form of insurance. And it's this small bit of responsibility that can sometimes spoil all the fun about buying a new car since it can be really expensive. So let's try to learn how to optimize insurance costs and not spoil the excitement of owning a new vehicle.

First of all it really matters how did you finance your purchase. The most common option in our country is using auto loans since you can always get good rates and buy a car that you otherwise would have to save a lot of money for. But there's a downside to using auto loans from the insurance perspective since you will be obliged to purchase additional types of coverage with your policy in order to get the loan. Most lending companies require collision and comprehensive coverage to be purchased with the insurance policy and that can considerably increase auto insurance quotes for your car. So make sure to consider this effect when financing your car through a loan. If that's the only option you have then try to avoid the most common mistakes people do when buying cars this way. First of all, don't get the policy offer at the dealer's office or by the lending company. They usually have exclusive contracts with specific companies and offer higher rates than you would get from a third party provider. You're obliged to purchase additional coverage but they can't make you buy it from a particular insurer. So when you get your loan take the time to get auto insurance quotes from as many companies as possible in order to get the most competitive offer possible. You will be surprised to see that you can actually find affordable policies even with collision and comprehensive coverage included. That's the whole purpose of comparison shopping.Now, if you're financing your car out of own pocket there are two main options to consider. First, you can get the most stripped down policy carrying only third party liability that will automatically offer low auto insurance quotes right from the start. Of course, this means that the situations when your policy will apply will be quite limited. But instead you can save a lot of money on auto insurance. Yet, assuming that you can afford to buy a car without using credits, loans or any other forms of financing it's logic that you actually have enough money to buy decent coverage for your auto as well. And you would certainly like to buy more coverage options in order to protect your car adequately. After all, things like comprehensive coverage or uninsured motorist coverage really come in handy in a range of situations where a basic policy would simply make you pay out of own pocket. So make sure to think about that after celebrating the purchase of your new ride.

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Thursday, May 24, 2012

Facebook shares stabilizing, but probes mount

NEW YORK (AP) ? Facebook's initial public offering is the subject of two congressional inquiries and mounting lawsuits as the social network enters its fifth day of public trading.

The shares regained some ground Wednesday, rising $1, or 3.2 percent, to close at $32. They were up another 50 cents, or 1.6 percent, to $32.50 in early premarket trading Thursday. But they are still more than 14 percent below their $38 per share IPO price last week.

The stock's rocky inaugural trading day last Friday was followed by a two-day decline.

The launch was held up by a half-hour delay, caused by glitches on the Nasdaq Stock Market. It was marred further this week as investors began accusing the banks that arranged the IPO of sharing important information about Facebook's business prospects with some clients and not others.

Several shareholders who bought stock in the IPO have filed lawsuits against Facebook, its executives and Morgan Stanley, the IPO's lead underwriter. At question is whether analysts at the big underwriter investment banks cut their second-quarter and full-year forecasts for Facebook just before the IPO, and told only a handful of clients about it.

One lawsuit, filed in U.S. District Court in New York, claims Facebook's IPO documents contained untrue statements and omitted important facts, such as a "severe reduction in revenue growth" that Facebook was experiencing at the time of the offering. The suit's three plaintiffs, who bought Facebook stock on its first day of trading May 18, claim they were damaged in the process.

Morgan Stanley declined to comment. Facebook said the lawsuit is without merit.

Another lawsuit, filed in San Mateo County Superior Court in California, claims Facebook and underwriters misled investors in Facebook's IPO documents. Both lawsuits seek class action status on behalf of investors who bought Facebook stock and lost money on Friday.

"No one gets it perfect, as far as saying what the financial results are," said Anthony Michael Sabino, professor at St. John's University's Peter J. Tobin College of Business. The bottom line, he added, is whether Facebook or the underwriter had material information about Facebook's finances that was not disclosed publicly.

"At this moment, it's still too early to say," Sabino said. "We don't know enough, but this could turn out to be an issue."

What is known is that, in March, Facebook began meeting with analysts at the underwriting firms. The gatherings are a customary part of the IPO process and are designed to help analysts understand the company's business so they can make accurate financial projections.

On May 9, the third day of Facebook's pre-IPO roadshow to meet with prospective investors, the company filed an amended IPO document that said its number of mobile users was growing faster than its revenue.

According to a person familiar with the matter, Facebook then had another meeting with analysts and told them that based on the new information in the filings, the analysts' forecasts should be at the low end of the range that the company gave them in April. The person spoke on the condition of anonymity because they were not publicly authorized to discuss the matter.

Adding to Wednesday's events, Facebook was in talks with the New York Stock Exchange to move its stock from the Nasdaq Stock Market after the botched offering, according to a person familiar with the matter.

The person spoke on the condition of anonymity because they were not authorized to speak publicly. The news of the talks was first reported by Reuters.

NYSE spokesman Rich Adamonis said: "There have been no discussions with Facebook regarding switching their listing in light of the events of the last week, nor do we think a discussion along those lines would be appropriate at this time."

A Nasdaq spokesman declined to comment.

Sen. Tim Johnson, D-S.D., chairman of the Senate Banking Committee, said late Wednesday that his panel wants to learn more about the social network's initial offering. The committee seeks briefings with Facebook representatives, regulatory agencies and others.

After the briefings, Johnson said, he will determine whether a hearing should be held.

Also gathering information about Facebook's IPO is the House Financial Services Committee. An aide to that panel said its staff is getting briefings.

The subject is likely to be raised in hearings by the committee in the coming weeks, even though no hearings are planned specifically on the Facebook IPO, the aide said. The aide spoke on condition of anonymity because the House committee's planned inquiry hasn't been publicly announced.

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Mobile Marketing Influencing Real Estate Buying - TopAgent Blog ...

We?re seeing another shift in buying habits and it?s affecting everything from store coupons to selecting hotels to buying real estate. Yes, we?re talking about mobile marketing.

Mobile Marketing Virtual Tour

Ellis Team Virtual Tour on Smartphone

Years ago the Internet came along and everybody said newspapers and TV stations would no longer be needed. We found this wasn?t true; however the delivery methods have changed a bit since the advent of the Internet.

Ironically now some are saying the Internet isn?t needed because everything is going mobile. I?ve seen reports that there is now more traffic to websites via smart phones than computers. While it is a fact more people have the power of information literally in their hand wherever they go, there is no substitute for wasting time at work on a big screen surfing the Internet, at least for now.

Market Share by Platform

Smartphone Market Share

The iPhone was a big player in bringing the mobile world to the consumer, but many would be surprised to know that Android is actually the bigger player today. Android just crossed over the 50% mark in January of this year and market share is still growing. The only thing constant is change. Years ago Netscape was The browser in the industry. Microsoft managed to knock off Netscape with Internet Explorer. Now Google Chrome is making inroads along with Mozilla, Firefox, etc.

Remember when Yahoo was the thing in search engines? Today it?s Google with Microsoft fighting for relevance with Bing. We don?t know what tomorrow will bring, however we do know what works today.

If you?re in real estate, you?d better design your website to work on a mobile phone. If you visit our website Topagent.com from a mobile device it recognizes the mobile device and gives you the option to view on a mobile optimized website. We?ve included a photo example of one of our virtual tours. All our virtual tours are optimized to play on any smart phone or phone capable of viewing the Internet. Of course we still have our full blown feature rich tours available for those old fashioned people viewing tours at work or home on a laptop. That sounds kind of weird talking about people on the Internet as old fashioned, but kind of fun I guess too. My how times are changing!

The point is, if you want to be successful in business, you?ve got to be where the customers are. If a business employs old technologies, they?ll get diminished results and wonder why their leads are falling off. They?ll blame it on the Internet and say things like the Internet just doesn?t work anymore. We heard that about newspapers, yellow pages, and radio advertising in the past. They all still work, but customers buying habits are evolving, and if you want to maximize your success, it pays to find out what the consumers are doing and provide solutions.

We have several websites. Even though Android is now king of the mobile market, we can tell you that the iPad is 74.76% of our mobile users on our Topagent.com site. These numbers change on various sites. As more tablets are released this year featuring Android, perhaps those numbers will change. The key is you have to know your market, design your marketing to work on the various technologies, and be available to answer customers in the fashion they like.

If a customer calls you speaking English, they generally would like to speak to someone in English. If a customer calls speaking German, chances are German is their preferred language and they?d like to speak with someone that speaks German.

The same is true with technology. Many people will contact you from their Smart phone. It doesn?t mean they?re ready to talk to you yet. If they ask you to email or send a text of a home, you?ll probably lose that buyer if you fax it to them because that?s more comfortable to you.

If you want to pick up more German buyers, it might help to learn the German language. If you wish to pickup more buyers today, it might help to learn to speak their tech language. If a customer texts you, I?d respond with a text. If you?re not willing to learn the technologies customers want, the real estate industry will pass you by. But then again, so will most industries.

If you don?t know what a QR code is, how to text, Twitter, Facebook, LinkedIn, Pinterest, provide virtual tours, syndicate your listings, do videos on the market, etc. you might be well served to visit Best Buy and look around at how they market with Bar scans, and what devices will read them. Watch customers compare prices the store is offering versus the Internet, and listen to how these devices are shaping buyers decisions. If you can see all this in half an hour at the electronics store, just imagine what is happening on the street in front of the home.

RE/MAX has launched a mobile app that allows you to search all the homes on a map directly from your mobile phone. You can see what homes sold for, what people are asking, and photos of the home you?re in front of. Talk about changing the dynamic of house shopping. Customers can text, call, or email an agent directly from the street for more information. If you?d like this cool new free mobile app send us your email address and we?ll send you the link. Brett@topagent.com

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Is Chris Jericho more dangerous than ever before?

All WWE programming, talent names, images, likenesses, slogans, wrestling moves, trademarks, logos and copyrights are the exclusive property of WWE, Inc. and its subsidiaries. All other trademarks, logos and copyrights are the property of their respective owners. ? 2012 WWE, Inc. All Rights Reserved. This website is based in the United States. By submitting personal information to this website you consent to your information being maintained in the U.S., subject to applicable U.S. laws. U.S. law may be different than the law of your home country. WrestleMania XXIX (NY/NJ) logo TM & ? 2012 WWE. All Rights Reserved. The Empire State Building design is a registered trademark and used with permission by ESBC.

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Three Home Roofing Tips You Must Know | Kitchen

Having a roof above your head isn?t enough; you need a sturdy good roof to protect your house and family. Ignoring a damaged roofing could spell unpleasant consequences for just about any homeowner, as it may lead to safety and health hazards, in addition to structure deterioration that happen to be expensive to restore or fix. ?

If you?re looking to have your roof fixed, listed here are 3 valuable tips you have to know prior to making any move: ?? ??1.????Choose high-quality shingles. The type of product you select for your roof matters greatly, as shingle quality is essential in a very sturdy roof. Whether you like asphalt, wood or metal, it?s critical that the material is of standard or high quality. Never choose cheap products that obviously have a brief shelf life. Sure, you could possibly save on costs right now, but most likely, the roof won?t last for very long and you?d have to replace it in just a short span of time. ?This means extra costs, almost triple the cost, if you have had chosen high-quality, albeit pricier, shingles.?2.????Go for professional roofers. Never commit the big mistake of performing the roofing yourself, or contracting Joe your neighbor to do it for you. For the shingles to be properly installed, make sure they are handled by expert and experienced hands. It?s important to select a roofing contractor with a credible reputation. Start researching concerning the work history of ?roofing contractors that you?ve heard of or researched, and create a short list of the best three most reputable roofers. This would narrow your choices and make it easier to decide which company to hire.3.????Roofing maintenance matters. ?Good quality shingles have a shelf life of about 25 years, provided that they receive enough attention from the homeowner. Routine inspection and cleaning of the roof is a necessary chore to make certain that your roof would last well beyond its shelf life. Maintenance is important, and that means you must keep this in mind before shopping for a new batch of shingles. Select a product that spells easy maintenance, but if you must choose shingles that need extra attention, make certain you do include the chore of roof inspection and roof cleaning in your weekly task list. ?
Why Not DIY
The excitement of Do-it-Yourself (DIY) shows has helped homeowners literally take matters into their own hands. While it?s true that DIY projects in home improvement could seriously help homeowners save on costs, not every home project could possibly be handled with a mere DIY approach. This really is especially true in getting good home roofing. ?There are a few cases wherein roofers have come across homeowners committing expensive mistakes in carrying out work themselves. An example is of a roofer who discovered that one homeowner installed the shingles upside down, and they needed to be removed and re-installed once again. This means additional time, extra effort, extra costs; really a costly lesson to pay for. Homeowners like you must avoid such a mistake and consider hiring licensed roofers. Sure, it?s admirable to dare being an independent DIY person, but this sort of approach could never work for every single home project. ?It?s far better to let the experts (see here) do the job, especially with such a significant project as a roofing repair or replacement.?

This entry was posted in Home Products & Services. Bookmark the permalink.

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VIDEO: Mobile Marketing for Real Estate and Mortgage: Free Report

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Wednesday, May 23, 2012

THE RACE: Obama walking fine line in Bain critique

Republican presidential candidate, former Massachusetts Gov. Mitt Romney gestures while speaking at the Latino Coalition annual economic summit, Wednesday, May 23, 2012, at the U.S. Chamber of Commerce in Washington. (AP Photo/Evan Vucci)

Republican presidential candidate, former Massachusetts Gov. Mitt Romney gestures while speaking at the Latino Coalition annual economic summit, Wednesday, May 23, 2012, at the U.S. Chamber of Commerce in Washington. (AP Photo/Evan Vucci)

President Barack Obama delivers the commencement address at the U.S. Air Force Academy, Wednesday, May 23, 2012, in Colorado Springs, Colo.(AP Photo/Pablo Martinez Monsivais)

FILE - In this Jan. 26, 2012 file photo, Republican presidential candidates, former House Speaker Newt Gingrich and former Massachusetts Gov. Mitt Romney talk during a commercial break at the Republican presidential candidates debate in Jacksonville, Fla. Remember Gingrich calling Romney a liar? Michele Bachmann saying Romney's unelectable? Rick Santorum calling Romney "the worst Republican in the country" to run against Obama? They're hoping you don't. And acting like it never happened _ even though most of their words are just clicks away online. (AP Photo/Matt Rourke, File)

President Barack Obama has to tread carefully in targeting Republican rival Mitt Romney's business resume.

He risks reinforcing criticism that he's anti-business. He doesn't want to look like he's assailing free enterprise.

Obama's campaign has put out a biting TV ad featuring laid-off workers from a now-bankrupt steel company that was bought by Romney's Bain Capital. The ad suggests Romney was a "vampire" capitalist.

Obama tried to soften the edges when he told reporters he wasn't questioning private equity firms but Romney's claim that his business experience burnished his presidential credentials. At Bain, Romney worked to "maximize profit" for investors," not to benefit society, Obama suggested.

Even so, some prominent Democrats have questioned the strategy.

Romney responded by telling Time Magazine that "someone who spent their career in the economy is more suited to help fix the economy than someone who spent his life in politics and as a community organizer."

Vice President Joe Biden threw fuel on the fire when he told a New Hampshire campaign event that private-equity experience "no more qualifies you to be president than being a plumber."

That annoyed at least one plumber. "I definitely have a problem with it," said Samuel Wurzelbacher, dubbed "Joe the Plumber" by 2008 Republican presidential nominee John McCain and now seeking to unseat Rep. Marcy Kaptur, D-Ohio.

Former House Speaker Newt Gingrich, who waged a withering primary attack on Romney's tenure at Bain, offered his own take on why Obama should focus his attacks elsewhere.

"We found out when we got in a fight with Mitt Romney over this that it didn't work," he told CNN's Piers Morgan.

Romney spoke Wednesday at the U.S. Chamber of Commerce, where he suggested that many Democrats "love the economy, they just don't like business."

Obama addressed graduates at the U.S. Air Force Academy in Colorado Springs, Colo.

__

Follow Tom Raum on Twitter: http://www.twitter.com/tomraum. For more AP political coverage, look for the 2012 Presidential Race in AP Mobile's Big Stories section. Also follow https://twitter.com/APCampaign and AP journalists covering the campaign: https://twitter.com/AP/ap-campaign-2012.

Associated Press

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Sales for 'Fifty Shades' trilogy top 10 million

FILE- This file combo made of book cover images provided by Vintage Books shows the "Fifty Shades of Grey" trilogy by best-selling author E L James. The heat is on: Sales for E.L. James' "Fifty Shades" trilogy are at 10 million and counting, making it among the fastest-selling series of all time. The explicit sensation has topped charts practically from the moment Vintage Books released it in early April. Reprints have exceeded 900,000 copies in a single day, the publisher announced Tuesday. Totals sales include paperbacks, e-books and audio books. Vintage is a paperback imprint of Random House Inc. (AP Photo/Vintage Books, File)

FILE- This file combo made of book cover images provided by Vintage Books shows the "Fifty Shades of Grey" trilogy by best-selling author E L James. The heat is on: Sales for E.L. James' "Fifty Shades" trilogy are at 10 million and counting, making it among the fastest-selling series of all time. The explicit sensation has topped charts practically from the moment Vintage Books released it in early April. Reprints have exceeded 900,000 copies in a single day, the publisher announced Tuesday. Totals sales include paperbacks, e-books and audio books. Vintage is a paperback imprint of Random House Inc. (AP Photo/Vintage Books, File)

(AP) ? The heat is on: Sales for E.L. James' "Fifty Shades" trilogy are at 10 million and counting, making it among the fastest-selling series of all time.

The explicit sensation has topped charts practically from the moment Vintage Books released it in early April. Reprints have exceeded 900,000 copies in a single day, the publisher announced Tuesday. Totals sales include paperbacks, e-books and audio books. Vintage is a paperback imprint of Random House Inc.

The "Fifty Shades" books began as fan fiction, inspired by the "Twilight" series, and were a word-of-mouth hit after first being distributed in 2011 by the Australia-based Writer's Coffee Shop Publishing House. Film rights have been acquired by Universal Pictures and Focus Features.

Associated Press

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South Carolina AFL-CIO Leader Bashes Nikki Haley Pinata

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