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Wednesday, February 29, 2012
Greece to vote on tough salary, pension cuts (AP)
[unable to retrieve full-text content]AP - Greek lawmakers are to vote on a package of tough salary and pension cuts Tuesday as part of measures needed to secure the payout of the debt-ridden country's second international package of bailout loans.
How does Filing Bankruptcy Impact Your Home finance loan?
When an individual activities monetary crisis like job loss or company failure, it gets rather tough for him to repay the present loans/debts. Though submitting bankruptcy might appear to be a viable alternative to be able to remove the multiple debts, nonetheless it could come to be difficult to qualify for a different home finance loan. You ought to also realize that your active house loan will get influenced when you file bankruptcy.
What transpires towards your existing home finance loan following bankruptcy submitting?
When you want to declare bankruptcy, you should file either chapter 7 bankruptcy or chapter 13. However, the consequences of filing chapter 7 are distinctive from that of chapter 13. The consequences on your current home loan just after filing bankruptcy are discussed under.
Outcomes of submitting Chapter thirteen:
You?ll be able to safeguard your house from a foreclosure by submitting chapter 13 bankruptcy; even so, it can be a good idea which you request enable from a skilled bankruptcy lawyer. By filing chapter 13 bankruptcy, you could function on a structured credit card debt reimbursement approach, which often can also take care within your month to month costs. Typically, you have to repay your financial loan within just 3-5 several years. Chapter 13 may also provide you automatic keep safety, which often can prevent your lenders from suing you. It is additionally helpful to stop collection efforts throughout the repayment tenure.
Implications of filing Chapter 7:
In some cases filing chapter 13 can be definitely high-priced for the property owners. In that situation, submitting chapter 7 bankruptcy is favorable for them. It could free of charge you from your personalized liabilities to spend back the existing debts. Having said that, property owners might however be unable to preserve their house after the discharge of bankruptcy.
Reaffirming mortgage loan financial debt:
If you?d like to avoid wasting your own home even right after submitting chapter seven bankruptcy, then you definitely ought to file a reaffirmation arrangement. At the time you file the paperwork, the property finance loan corporation may well agree to work with you as well as approve your approach so that you can crystal clear the delinquent account within just a particular period of time. It means that you?re agreeing to pay back the financial debt volume, which you owe on your lenders.
Paying out for deficiency following foreclosure:
When your bank forecloses your home but can?t recuperate the unpaid debt, then you definately might have to pay for the deficiency.
How would you qualify for a new home finance loan after bankruptcy?
Undergo the next points to be familiar with how you can qualify for a property finance loan even soon after submitting bankruptcy.
one. Seek to rebuild your credit ? In case you have some debts that you?ve got not integrated although submitting bankruptcy, then try to repay them in time. It will aid rebuild your credit so that you can apply for new loans in 2 several years of time.
2. Program a finances and abide by it ? Examine your economical position and get ready a funds. Try to observe it so that you can protect oneself from any far more debt challenges in future.
3. Attempt for FHA or VA house loan financial loans ? It can be somewhat much easier to qualify for an FHA or simply a VA home loan loan than that of regular home finance loan financial loans.
4. Get ready for creating a down cost ? You could possibly not qualify for a zero down payment home finance loan. As a result, it?s possible you?ll really need to make a down fee in an effort to qualify for the mortgage loan.
5. Look at your credit reviews frequently ? It truly is really significant to examine your credit score reviews often. If there are faults, then repair them promptly.
It?s rather significant to find out out of your past problems. Therefore, you shouldn?t make any far more mistakes which can compel you to file an additional bankruptcy in upcoming. Whenever you are using out any loan/debt, it is best to very carefully review your economical scenario in an effort to assure that you will find a way to produce the demanded regular payments on time.
Learn more about How to file bankruptcy. Stop by Rockisto Moresa?s site where you can find out all about Bankruptcy Attorney and what it can do for you.
Tags: bankruptcy, Bankruptcy lawyers, bankruptcy medical, bankruptcy tips advice, bankrupty personal, Budgeting, commercial loans, credit, currency trading, finance, loans, taxes, uncategorized, Unsecured Loans
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Choose Joomla CMS for an economical At theBusiness enterprise ...
Home ? Uncategorized ? Choose Joomla CMS for an economical At theBusiness enterprise Option
A receptive source cms just like Joomla cms may be the best and the majority charge effective device for the elizabeth business enterprise solution. It is just a major cms current today and not WordPress rival the pliability electrical power Joomla cms. Almost no specialized skill is needed to cope with and make Joomla cms website. Auction web sites extension cables, free ingredients, a webbased area, modules put ins, it can be most widely used among website creative designers. You can run a the online business website how much more it can be at no cost. However anyone can Joomla cms as well as free establish a website simply because just about every business enterprise have their own particular person wants, it is significant to formulate a niche site that is certainly intuitive fulfills your business enterprise specifications thats appropriate assessment is necessary in advance of setting up a personalized Joomla cms power website. Use Joomla cms builders India to formulate a cost effective elizabeth commerce website to obtain maximum revenue most competitive expenses. Content management system specialists have an understanding of just about every process required to flip common website right personalized website and produce more user friendly and also as every the google search tips. apply appropriate indicate information, individual keywords intuitive articles and produce your website your internet method of obtaining achievement. Moreover, a well recognized Joomla cms Progress Business has the benefit of the information proficiency make a website a number of campaign tactics raises the self confidence of the guests to turn into a customer.
Maths popularly known as Numbers can be a subject experiments methods quantity, space or room, construction, and alter. In learning subject, people today can also be coached tips on how to review styles, probabilities. It is just a extremely important area examine that almost all of that concept is often implemented everyday life. But many people very difficult to find out hard to understand. Because of these reasons, many individuals don seem like researching Currently, there is a thrilling strategy to find out helpful subject neat arithmetic game titles. flash games are meant to Numbers mastering practice to be entertaining and reduce people today concern fear finding it challenging. The simple truth is any time folk have to check as a result of formulations volumes, people mastering practice to be challenging. Most people give up in advance of they start to find out it merely since they difficult formulations and lots of volumes about the textbooks. That is why game titles are created in a number of ways to permit mastering subject in a entertaining These kinds of game titles can be obtained online unrestricted possibilities. solution that is certainly being utilized is different traditional mastering practice. In lieu of providing people with complicated formulations to be realized, solution providing people with opportunities not directly mastering understanding the formulations as a result of types of game titles change about the difficulties along with the kind. There are various benefits because of this solution initial, game titles guide individuals have an understanding of Numbers concept through an amusing game titles chores in order that they don increase their
Property business enterprise marketing and advertising isnt easy, however it is of great benefit Numerous web marketers work websites. A lot of them have no ambitions. handle online businesses being a hobby. Other folks get from a single business enterprise to a different one, by no means supplying prospect the necessary quantity of motivation. time and energy to put an end to insanity To reach your goals within your on the internet property based mostly business enterprise, it is advisable to apply a number of marketing techniques. Property business enterprise marketing and advertising achievement calls for motivation. It makes good business enterprise top home based business opportunity to participate in an opportunity extensive phrase likely, demanding extensive phrase ambitions. Getting visitors or traffic your site is required to extensive phrase achievement of your on the internet property business enterprise. Below are a few established strategies for getting good website or blog targeted visitors Seo Web optimization This is usually a extensive phrase, online marketing strategy. It is crucial that your web site web sites entirely, search engineoptimized because of this online marketing strategy to get free search results targeted traffic to work. This will result in free, specific, website targeted visitors the various search engines. Building Back Links This is usually a extensive phrase system. Having inward bound backlinks is essential on your marketing and advertising achievement on the internet. Search engines like google status your blog bigger in line with the amount of inward bound backlinks pointing with it. Processes for building inward bound backlinks consist of content, taking part community forums, directory website submitting. Paid Advertising Marketing and advertising Pay per click This plan deliver speedy and requirements a financial purchase. Even if you ought to learn each of the on the internet business enterprise marketing and advertising techniques
Source: http://auroralockandsafe.com/choose-joomla-cms-for-an-economical-at-thebusiness-enterprise-option
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Matthias Botthof | Bodybuilding, Supplements, Diets, Workouts ...
Matthias Botthof is a heavyweight bodybuilder. At 6?1? Matthias is also a policeman and operates his own gym in Gudensberg, Germany. He?s also an accomplished martial artist and kickboxer. At his gym he gives lessons in fitness and kickboxing, even to young kids! Can you imagine being seven years old and facing Matthias in a kickboxing training match?
Matthias has been in multiple bodybuilding contests and the web is full of photos of him so there are two galleries of his pictures below. His website has lots more photos too. But it is all in German so it can be hard to navigate for non-German speakers. I have German speakers made by Bose the stereo company. They sound great!
Matthias Botthof also participated in the 2011 IFBB Arnold Amateur and placed 1st place. Will the results be the same for the 2012 IFBB Arnold Classics? Only time will tell.
Source: http://stek.org/professionals/matthias-botthof/
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Tuesday, February 28, 2012
Weird 'dog-headed pig monster' terrorizes Africa
Residents in northern Namibia, on the southwest coast of Africa, have reported being terrorized by a bizarre dog-pig hybrid creature. The animal is said to be mostly white and unlike anything the villagers have ever seen, with a doglike head and the broad, round, nearly hairless back and shoulders of a giant pig. The beast was spotted chasing and attacking dogs, goats and other domestic animals in this arid region not far from the Kalahari desert.
As often happens when rumors of monsters spread in rural areas around the world, some locals have taken extra safety precautions, such as traveling in groups and arming themselves with weapons. In 1995 and 1996, some Puerto Ricans armed themselves against the vampire beast el chupacabra; last year, Malaysian residents patrolled the streets searching for the mysterious orang minyak, or "oily man" creature that had recently terrorized them.
What could this monster be? One Namibian official, regional councilor Andreas Mundjindi, was quoted in Informante newspaper as saying, "This is an alien animal that the people have not seen before. We don't have a forest here, only bushes. So, this must be black magic at play."
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Science editor Alan Boyle's blog: Using a remote-controlled camera on the end of a robotic arm, investigators have found what could be the earliest evidence of Christian iconography in Jerusalem, inside a nearly intact 1st-century tomb.
- You live in a cave? Look out for bat flu then
- Weird 'dog-headed pig monster' terrorizes Africa
- Spain fends off claims to shipwreck's treasure
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Discovery may resurrect 'Jesus Tomb' debate
Some people in the area trace the beast to one old man rumored to be a warlock or witch doctor, suggesting it's his pet (or, what witch-hunters hundreds of years ago would have called a "familiar").
The assumption that the beast has magical origins is not surprising. A 2010 Gallup poll found belief in magic widespread throughout sub-Saharan Africa, with more than half of respondents saying they personally believe in witchcraft and sorcery.
This is not the first time that unusual animals have been spotted in rural areas of Namibia; several other monsters have been reported over the years, including in July 2009, when unknown creatures reportedly sucked the blood out of livestock, including nearly two dozen goats. Though no one saw the monsters, they were said to have left footprints similar to those of a dog, but much larger. Police followed the footprints, but they mysteriously stopped in an open field, as if the creature suddenly took flight or vanished. At that time, locals were also convinced that the strange beast was the product of black magic ? going so far as to accuse an old man and his sister of conjuring the creature.
It's not clear whether locals believe that the current dog-headed, pig-bodied animal is the same mystery creature that terrorized the region three years ago. Whether the reports are real or rumor, hopefully belief in these creatures won't be used as an excuse for mob attacks on elderly men and women suspected of witchcraft.
Follow Life's Little Mysteries on Twitter @ llmysteries, then join us on Facebook.
Benjamin Radford is deputy editor of Skeptical Inquirer science magazine and author of "Scientific Paranormal Investigation: How to Solve Unexplained Mysteries." His website is www.BenjaminRadford.com.
? 2012 LifesLittleMysteries.com. All rights reserved. More from LifesLittleMysteries.com.
Source: http://www.msnbc.msn.com/id/46548769/ns/technology_and_science-science/
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Scholarships For Women Over Thirty | Articles Beloved
If you are a woman in her thirties and looking to go back to college, you should know that there are many scholarship and grant opportunities available for you. Women over 30 simply have greater chances of getting these types of scholarships; you just have to know where to look.
Taking into consideration the dwindling economic circumstances, it may seem like finding financial aid would be a difficult and timely task. Though, the economic conditions are feeble, by just being a woman over thirty you increase your chances of getting a scholarship or grant so you can go back to college. For those women who thought their chances were limited, this information should help.
The places where you can start looking that will award you a scholarship or grant are non profit private companies. They are willing to assist people like you for your financial needs. Single mothers definitely qualify for scholarships; so this isn?t a hamper on your efforts. And remember, your age doesn?t take away your chances either.
There are requirements that you must be aware of such as maintaining a minimum GPA of 3.0 to get some scholarships. Also, each year the amount given out in the form of scholarships varies. There are many different types of qualifications for scholarships. The good news is that you financial aid adviser will be able to help you find this information.
There is ample amount of information available that you can take advantage of start your journey towards getting a college degree, and that too without financial worries. This means getting your college paid for without the worry of getting and staying in debt to get an education.
If you need more info scholarhips these scholarhipslink can help
Source: http://articlesbeloved.com/reference-education/scholarships-for-women-over-thirty
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Monday, February 27, 2012
PPC campaign management for businesses
PPC is an abbreviation for pay per click. PPC is an internet advising model which is employed to draw in clicks (or traffic) to a bound website. The owner of the web site is paid by advertisers when PPC Campaign Management a poster is clicked on that website. PPC advertisements can be mostly found on search engines and different similar web pages such as advertising network pages. This is profitable net promoting where payment is created on an agreed rate as earlier determined. Anyone can start a PPC campaign. Some easy steps as to how to start a campaign are: ? Create an account for yourself and credit funds in them. ? Wait for the confirmation and build positive your account is activated. ? Opt for your keywords. ? Observe the traffic returning to your webpage to investigate your alternative of words. ? Adjust your bids accordingly. You are allowable in most cases to bid for your place. For instance, one will easily bid for the number one position in the sponsored listings. Several individuals PPC Services would bid for his or her positions hence making it very competitive. It has been observed that once a visitor purchases on a specific web site, they?re possibly to become a daily customer hence justifying the high acquisition cost. Bidding method will be completely different for every vendors. It is suggested that a business should choose additional than one PPC promotion vendors. There are three major vendors within the market right now including Google with AdWords, Yahoo with Search Promoting and MSN with AdCentre. All these vendors have their own prices for every click and a separating bidding procedure. For example, Google focuses a lot of on the quality factor in the bidding process rather than click through rate. PPC is very important and smart for businesses as they assist you build an action arrange for increasing your come back on investment. There are various firms who sell PPC traffic. The most common ones embody: ? Google ? Enhance ? Overture ? FindWhat ? Kanoodle ? Look Sensible ? Search 123 The largest vendors are Google, Yahoo and Bing. A PPC campaign has many advantages. One in all them is that it will increase your return on investment. Another one is that it helps you figure out who visits your website. PPC promotion is based on keyword selection. The entire internet advertising revolves around choosing the most correct and most appropriate keywords. It is very important to note that quality is more necessary than quality during a PPC advertising campaign. This statement implies that the visitors are wanting for what exactly you?re advertising, coming into the site and wanting around, finishing a transaction, and come to your site again. This will not be doable while not quality. Quality will earn you more and create you additional successful. A PPC campaign would provide higher results as compared to the SEO. PPC permits businesses to compete comparatively rapidly as compared to the SEO. PPC can produce traffic instantly. But, the more competitive the campaign is, the additional expensive it may be. PPC will facilitate a lot of companies to prosper and become successful. However, it has to be restricted and managed with expertise. It is primarily all regarding the keywords and terms used. If you can very kill competition by using higher keywords and applicable words, you will be additional successful. Wanting at the darker side currently PPC Experts it might be noted that a PPC promotion model will be open to abuse like click fraud. Google and alternative vendors have implemented automated systems to keep away from any kind of fraud.
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Keystone Pipeline: Construction To Begin On Southern Leg Of Controversial Pipeline, Reports Claim
WASHINGTON/CALGARY, Alberta, Feb 27 (Reuters) - TransCanada Corp is expected to announce on Monday that it will start to build the southern leg of its controversial Keystone XL oil pipeline between Canada and the United States, three political news organizations reported.
TransCanada will begin building the portion of the line that runs from Cushing, Oklahoma south to Texas refineries, reported The Hill, National Journal and Politico.
A company spokesman could not be reached immediately for comment.
After President Barack Obama rejected Keystone XL in January, saying it needed further environmental reviews, TransCanada Chief Executive Russ Girling raised the possibility of building the controversial project in segments, starting with the southern portion.
The Gulf Coast portion, which would help alleviate a glut of oil supply at the Cushing Oklahoma storage hub that has pressured prices, has been valued at $2 billion.
Also on HuffPost:
"; 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/2012/02/27/keystone-pipeline-construction-to-begin_n_1304074.html
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Sunday, February 26, 2012
2 Cats Die in Margate House Fire | Pet Pro Plus
Two cats died in a house fire in Margate Saturday, a fire
official said.
Two adults were home when the fire broke out late Saturday
morning at the house at 6487 Margate Blvd., and a man suffered
minor injuries after trying to put it out from the backyard, said
Battalion Chief Jeff Gary of the Margate/Coconut Creek Fire
Department.
The man was treated at the scene.
But ?two cats did perish in the fire,? Gary said.
Two dogs got out OK. The cause is being investigated. Department
spokesman Dan Booker said the fire appeared to have been sparked
in the garage.
Gary said one side of the house is ?pretty much a total loss.?
The Red Cross is going to help with lodging for the couple who
lived there, he said.
They declined to comment.
?Live power lines fell in the backyard, so that?s why we always
advise people never to fight it on their own,? Gary said.
?Contact 911, get out of the residence, and let the fire
department handle the situation.?
Source: http://www.petproplus.com/2012/02/25/2-cats-die-in-margate-house-fire/
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Saturday, February 25, 2012
The Many Moods of Titan
ScienceDaily (Feb. 24, 2012) ? A set of recent papers, many of which draw on data from NASA's Cassini spacecraft, reveal new details in the emerging picture of how Saturn's moon Titan shifts with the seasons and even throughout the day. The papers, published in the journal Planetary and Space Science in a special issue titled "Titan through Time," show how this largest moon of Saturn is a cousin -- though a very peculiar cousin -- of Earth.
"As a whole, these papers give us some new pieces in the jigsaw puzzle that is Titan," said Conor Nixon, a Cassini team scientist at the NASA Goddard Space Flight Center, Greenbelt, Md., who co-edited the special issue with Ralph Lorenz, a Cassini team scientist based at the Johns Hopkins University Applied Physics Laboratory, Laurel, Md. "They show us in detail how Titan's atmosphere and surface behave like Earth's -- with clouds, rainfall, river valleys and lakes. They show us that the seasons change, too, on Titan, although in unexpected ways."
A paper led by Stephane Le Mouelic, a Cassini team associate at the French National Center for Scientific Research (CNRS) at the University of Nantes, highlights the kind of seasonal changes that occur at Titan with a set of the best looks yet at the vast north polar cloud.
A newly published selection of images -- made from data collected by Cassini's visual and infrared mapping spectrometer over five years -- shows how the cloud thinned out and retreated as winter turned to spring in the northern hemisphere.
Cassini first detected the cloud, which scientists think is composed of ethane, shortly after its arrival in the Saturn system in 2004. The first really good opportunity for the spectrometer to observe the half-lit north pole occurred on December 2006. At that time, the cloud appeared to cover the north pole completely down to about 55 degrees north latitude. But in the 2009 images, the cloud cover had so many gaps it unveiled to Cassini's view the hydrocarbon sea known as Kraken Mare and surrounding lakes.
"Snapshot by snapshot, these images give Cassini scientists concrete evidence that Titan's atmosphere changes with the seasons," said Le Mouelic. "We can't wait to see more of the surface, in particular in the northern land of lakes and seas."
In data gathered by Cassini's composite infrared mapping spectrometer to analyze temperatures on Titan's surface, not only did scientists see seasonal change on Titan, but they also saw day-to-night surface temperature changes for the first time. The paper, led by Valeria Cottini, a Cassini associate based at Goddard, used data collected at a wavelength that penetrated through Titan's thick haze to see the moon's surface. Like Earth, the surface temperature of Titan, which is usually in the chilly mid-90 kelvins (around minus 288 degrees Fahrenheit), was significantly warmer in the late afternoon than around dawn.
"While the temperature difference -- 1.5 kelvins -- is smaller than what we're used to on Earth, the finding still shows that Titan's surface behaves in ways familiar to us earthlings," Cottini said. "We now see how the long Titan day (about 16 Earth days) reveals itself through the clouds."
A third paper by Dominic Fortes, an outside researcher based at University College London, England, addresses the long-standing mystery of the structure of Titan's interior and its relationship to the strikingly Earth-like range of geologic features seen on the surface. Fortes constructed an array of models of Titan's interior and compared these with newly acquired data from Cassini's radio science experiment.
The work shows the moon's interior is partly or possibly even fully differentiated. This means that the core is denser than outer parts of the moon, although less dense than expected. This may be because the core still contains a large amount of ice or because the rocks have reacted with water to form low-density minerals.
Earth and other terrestrial planets are fully differentiated and have a dense iron core. Fortes' model, however, rules out a metallic core inside Titan and agrees with Cassini magnetometer data that suggests a relatively cool and wet rocky interior. The new model also highlights the difficulty in explaining the presence of important gases in Titan's atmosphere, such as methane and argon-40, since they do not appear to be able to escape from the core.
The Cassini-Huygens mission is a cooperative project of NASA, the European Space Agency and the Italian Space Agency. NASA's Jet Propulsion Laboratory manages the mission for NASA's Science Mission Directorate, Washington, D.C. The visual and infrared mapping spectrometer team is based at the University of Arizona, Tucson. The composite infrared spectrometer team is based at NASA's Goddard Space Flight Center in Greenbelt, Md., where the instrument was built. The radio science subsystem has been jointly developed by NASA and the Italian Space Agency.
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The above story is reprinted from materials provided by NASA/Jet Propulsion Laboratory.
Note: Materials may be edited for content and length. For further information, please contact the source cited above.
Journal Reference:
- Conor A. Nixon, Ralph D. Lorenz. Titan through time: Formation, evolution and fate. Planetary and Space Science, 2012; 60 (1): 1 DOI: 10.1016/j.pss.2011.12.012
Note: If no author is given, the source is cited instead.
Disclaimer: Views expressed in this article do not necessarily reflect those of ScienceDaily or its staff.
Source: http://feeds.sciencedaily.com/~r/sciencedaily/~3/pmE5DTLcJMM/120224151341.htm
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jepaco: Gingrich Endangers US troops by Slamming Obama for Apology over Qur?an Burning http://t.co/Fk4fMZEB
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Is it Better to Invest in Silver Or Gold in This Economy? | Gold ...
What is the better investment in today?s economy, gold or silver?
Most people would probably answer gold, but the precious metal with the greatest upside may be silver. Silver is more volatile than gold is, and with expected inflation and increase in demand, Silver has a potential to increase in value more than Gold.
Now the purpose of this article isn?t to talk you out of investing in gold as it is a solid investment. Rather, the goal is to educate you on the history of silver, what influences it?s price, and what it?s future looks like so you can decide if investing in silver is better for your portfolio.
Before I attempt to predict the future, let me first discuss the past performance of silver compared to that of gold.
In 1970, the price of gold averaged $35.94/oz. By the end of the decade, its average was $306/oz, or an increase of about 1000%! Not a bad return. In 1970, the price of silver was only $1.63 per ounce. By the end of the decade, it had risen to almost $22 per ounce! This was an increase of around 1400%.
Would you rather invest a smaller amount and receive a higher return? These past results make the future of silver attractive.
Right now, silver prices are hovering in the range of $17 per ounce. Just imagine, silver prices skyrocketing to around $225 per ounce in the next year.
Why use examples from the 1970?s in regards to gold and silver? Many people, including former Fed Chairman Paul Voelker, admit that the current economy is acting like it did in the 1970s, with higher food and energy prices, instability in the stock market, higher unemployment, and a lower performing dollar. Also Voelker, according to Forbes Magazine, recently told the Joint Economic Committee that while the economy obviously does not have the full-blown, double-digit inflation crisis that finally appeared in the 70s, ?there is an underlying tendency to inflation.? Given the similarities between now and the 1970?s, the price of silver may be ready for a sharp increase again.
The second reason why silver may be a better investment than gold in this economy is that silver has many more industrial applications than in the past. And, like gold, silver is in a limited supply. So as demand increases and supply does not, the price of silver will go up!
What are some of the products that use silver? Batteries, flexible and solid plastics, and electronics are traditional uses for silver that keep demand alive for it. But the following are some newer uses for silver that will keep increasing demand:
? Mirrors & Coatings ? Silver can be polished to 95% reflectivity. While mirrors have been around for centuries, silver is being incorporated in different coatings to reduce sun exposure to the eyes with an eyeglass application. This usage is also being applied to glass buildings in order to help keep buildings cool in summertime and thus reduce energy dependence.
? Medical ? It has only recently been discovered as to how silver?s anti-bacterial abilities work. One area of development includes using Nano-silver particles as a delivery mechanism for silver ions, which are being incorporated into many new antibacterial products. For example, silver ions are being incorporated into paints and coatings to inhibit surface germs and fungus.
? Water Purification -Silver ions are now being used in all sorts of water purification processes. Example customers are hospitals, community water systems, pools, and spas.
? Solar Energy ? Silver paste not only increases the efficiency of solar energy collection as electricity, it can also be used in solar farms that use the collection of the sun?s rays as heat to produce steam powered generators.
Finally, collecting silver coins is collecting massive popularity as well. The U.S. Mint sold more Silver Eagle Coins in March and in the first quarter of 2010 than ever before. A total of 9,023,500 American Silver Eagles were purchased in the first quarter of 2010, the highest amount since the coin made its debut in 1986! Many investors are starting to awaken to the benefits of investing in silver.
According to the London Bullion Market Association?s Forecast 2008 report, the silver market looks bullish over the next couple of years. Silver?s price gains can be attributed to solid demand-side investment, and that appetite looks set to continue in the future as the race between the old world and the emerging economies to corner the world?s natural resources intensifies? be it a mine or simply physical metal. Given the economic factors, the historical surge due to these factors, the increase in industrial demand, and the increased popularity in coin collection, silver may be a safe investment for investors to bully their portfolio than other types of assets and investments.
Tom Bukacek is a successful real estate investor and gold & silver coin collector located in Austin, TX. For more investment articles written by Tom, please visit http://www.tomsgoldenrules.com.
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Friday, February 24, 2012
Do you think you\'re Losing Clientele in Your Personal Training ...
The particular health and fitness marketplace is currently entering it really is most frantic season. The principle issue is likely to that will fitness coaches concentrate consequently seriously in attaining clients, they are able to forget their particular active versions. Retention can be a subject seldom mentioned like a online marketing strategy but it is important to the good results associated with a personal training business. How to get personal training clients
I recieve the sense in the fitness planet that there are practically any ?it doesn?t matter since we can often acquire more clients? approach through a number of businesses and health and fitness trainers. While the particular growing unhealthy weight rates are an issue and gives personal trainers a lot more potential clients in case we can not find benefits with the present your, will it issue?
Storage for private conditioning teachers is approximately extra price, persistence and services information along with standards. It is common pertaining to standards to slide in any personal training enterprise in the event the fitness instructor becomes comfy. Little such things as arranging times as well as calibrating advancement are a few of items that get overlooked.
I have a number of rapid ideas that will help much maintenance, reduce costs is usually to you should always be continually learning and creating. Session organizing is the vital thing to the, one of the primary factors men and women end exercising is they become bored speedily, I wouldn?t recommend performing complicated workouts with regard to the idea but make sure you remain on the actual leading edge to keep clients motivated along with pleased.
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Source: http://abilityshots.com/?p=4872
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'Yes, we need retirement villages'
Few housing options for the old in S'pore, says senior-living consultant
By Radha Basu, The Straits Times, 22 Feb 2012
LAST Friday's Budget bestowed a hamper full of goodies on older Singaporeans.
Families caring for the frail elderly are in for a windfall, with more state subsidies for care in community hospitals, nursing homes and even at home. For the first time, even the richest can get state subsidies for stays in community hospitals.
In this 'season of plenty', it may seem politically incorrect to talk about some seniors who feel short-changed about retirement options.
But international senior-living consultant Tan Kee Hian, 57, believes this is as good a time as any to discuss the relative shortage of living choices for Singapore's growing group of more affluent, older folk.
He says many seniors in the top fifth to 20th percentile of the income scale would gladly part with their savings to live in retirement villages (RVs) which offer professional care and support services such as an on-site round-the-clock emergency response system.
While such communities are common in most developed countries, there are none in space-starved Singapore. Both the public and policymakers seem to prefer 'ageing in place' - where people live out their last years in the community rather than in institutions.
But Mr Tan says that while boosting community resources to enable the majority to age in place is a 'basic necessity' here, no one solution can fit the needs of all seniors.
'Ageing in place assumes that everyone has similar needs - and that's a very big assumption. Given the diversity of our First World society, we deserve more choices.'
The veteran management consultant is convinced there is a need and even a demand for Western-style retirement villages, and hopes to develop Singapore's first such project.
He says those who argue that there is absolutely no demand for retirement villages here are divorced from reality.
'If you repeat a myth often enough, it gets mistaken for a fact.'
Over the past two years, he has rigorously researched and written a proposal for a $70 million to $80 million retirement living project in Jalan Jurong Kechil, a site the Government has earmarked for the purpose.
All he needs is an investor who is willing to put in up to $25 million. The rest will be made up by bank loans and he is willing to put his cost calculations up for thorough scrutiny.
The Harvard Business School-trained expert says he has done his homework and pulls out a consultant's most handy tool: statistics.
Significantly, that is far higher than the 12 per cent of older folk who actually live in such communities in countries like the United States.
There are nearly a million baby boomers here, born between 1947 and 1964. The first cohort turns 65 this year, which Mr Tan sees as an 'inflection point' in this nation's history.
Singapore's population of those aged 65 and above is set to double to 600,000 over the next decade and triple to nearly one million by 2030 - that's a faster rate of ageing than in virtually every other nation in the world.
He says some demographic micro-trends have reinforced the need for RVs.
The number of older folk here who live alone or with their elderly spouse doubled to nearly 100,000 between 2000 and 2010.
The number of those who have mobility problems and are 'semi-ambulant' has also doubled to around 36,000.
The exploding numbers of these two groups - which have traditionally formed the core client base of retirement communities overseas - have far outstripped the overall growth in the senior population, which increased by around 50 per cent to 344,000 over the past decade.
The exploding numbers of semi-ambulant seniors are a particular concern for Mr Tan, who is a baby boomer himself.
Although they are in relatively good health, they may end up living in expensive nursing homes simply because they are immobile.
'Most such patients overseas would be living in retirement communities, saving their health-care institutions taxpayer dollars.'
Mr Tan, who returned to Asia in 2006 to be near his ageing parents after 35 years in Europe and the US, points out that he is often asked why he wants to 'break up families and hurt inter-generational ties' by advocating RVs.
'Just look at the statistics,' he says. 'The number of older folks who want to live by themselves may well explode. And as things stand now, many may not be getting the services they need.'
Indeed, growing groups of seniors either do not have children or do not want to depend on them as they age. Many - like Mr Tan himself - have children who live and work overseas.
Small wonder then that, according to the baby boomers survey, nearly 75 per cent of all respondents - and 85 per cent of university graduates - said they wanted to live on their own during their golden years.
About a third of those aged 65 and above already do so now.
But even if the demand is there, will older people have enough savings to pay for such resources?
Mr Tan reckons they will. Singapore, after all, has the highest proportion of millionaires in the world, with one in six households on that rich list. The number of those who earn above $10,000 a month has increased by nearly three-fold to 140,000 in a decade.
According to the MCYS survey, 12 per cent of baby boomers - or potentially 120,000 people - have gross monthly incomes of $7,500 and above.
Interestingly, the father of two acknowledges that it is not the Government but the private investors who should test the market by setting up Singapore's first retirement village.
To be fair, the Government has already taken the initiative to inject some variety in elder-living options, particularly those that cater to middle- to lower-income Singaporeans.
On Sunday, it launched Singapore's first group home for low-income elderly, where small groups of older folk who have little or no family support can share rental flats.
The Housing Board (HDB) has ramped up the supply of studio apartments for the elderly - and latest take-up rates are above 90 per cent.
Meanwhile, MCYS recently piloted 'seniors service centres' for residents in these apartments, providing information and referral services, organising social services and responding to emergencies.
But what these facilities do not cater to yet is more 'sophisticated needs', says the professional, who would love to live in such a facility one day.
For instance, there are no provisions for on-site nursing care.
There are older folk, for example, who may want care facilities within their condominiums - rather than in the neighbourhood. Some might not want to - or be able to - walk even 400m to the nearest polyclinic.
'A retirement village combines elder-friendly housing with care and community engagement services, together with professional management,' says Mr Tan. 'And no facility in Singapore currently provides all three.'
While senior activity centres might provide referral services, they certainly don't have a 'village manager' whose primary duty is to ensure the well-being of seniors living in his village.
So given that there seems to be a market demand, why has no developer bitten the bullet so far?
Mr Tan believes there is a 'fundamental mismatch' between what property developers traditionally do and what seniors want.
Developers want to sell houses, but seniors want to buy care; developers want to build, sell and move on; seniors want a provider who will stay and ensure a specified quality of care and services for the rest of their years - for many, many years.
'Developers love more of the same, but a retirement community is really a new market space,' says Mr Tan. 'We need a new breed of champion investors - and I hope we find them fast.'
Senior-living specialist
MR TAN Kee Hian, 57, is a senior-living consultant who has worked on retirement and community living projects in Singapore, Malaysia and China.
In Singapore, he has been adviser to a proposed state- sponsored communal living project, to be run by a voluntary welfare organisation. He has drawn up detailed plans for what could be the island's first retirement village and is looking for private investors.
Mr Tan is also on the advisory committee of the non-profit group RSVP Singapore (The Organisation of Senior Volunteers).
Before moving to Singapore in 2006, he spent three decades as a management consultant working out of London and Boston in senior positions in companies like Gemini Consulting (Cap Gemini), A.T. Kearney and Shell International Group. He was the global leader for Gemini's health-care and life sciences practice. Since 1996, he has headed his own consulting firm, KHT and Co, which has had 40 clients in 15 countries.
The Malaysia-born Singapore permanent resident was an Asean scholar at National Junior College and went on to study engineering at Imperial College, London. Later, he received an MBA from Harvard Business School, where he was in the top 5 per cent of his cohort.
Mr Tan is married to Madam Chia Swee Tuen, 55, a Singaporean piano teacher. They have two grown-up children.
Q&A: What baby boomers want
People have been talking about retirement communities here for 20 years. So why has nothing materialised yet?
A: Twenty years ago, the retirement community idea was clearly ahead of its time. The generation that grew old then had very different cultural values, needs and preferences. Older folk were less-educated, less-travelled, had limited means, and were quite happy sitting at home, chatting occasionally with or tending to grandchildren and family members.
Today's and future generations of seniors - the baby boomers - are very different. They are better-educated, are used to more sophisticated lifestyles, and have worked hard to squirrel away nest eggs. They have seen the kind of services seniors enjoy overseas and want such professional care services in Singapore. They don't want to depend on their children. They have hobbies, they want social engagement. Just interacting with - or depending on - family is not enough for them. So, yes, their needs and expectations have changed - and become more Western, if you will.
What would you say to potential investors who argue that there is no money to be made in retirement villages (RV)?
A: Whether you make money or not will depend on what you offer. Like any value-added product or service, people are willing to pay to get what they need and want. A cursory look at the success of HDB's studio apartments will confirm that customers will pay a premium for the right solution in the senior-living market in Singapore.
I believe that unlike younger home buyers, baby-boomer seniors who buy a unit in a retirement village are not as interested in the size of their home or in its investment value. They want the convenience of having services on-site - be it a shared nurse or a domestic helper or a manager who ensures your day-to-day well-being, a wide range of social activities and a vibrant community of like-minded people.
At the same time, there are frills that seniors don't want or care for, such as marble tiles, grand water features or large, expensively fitted kitchens.
According to my analysis and calculation, with the right business model based on a deep understanding of the baby-boomer seniors, an RV can deliver up to 20 per cent more profit than conventional condos in the Upper Bukit Timah area. Of course, this is not a one-off project, as success will provide a strong credibility to expand and gain a disproportionate share of the potential market, which I estimate to be well in excess of 10,000 by 2030.
Are retirement villages necessary in an urban setting where access to community medical and social services is just a stone's throw away?
A: To answer this, we must go back to how seniors define their needs and preferences. Experiences from more advanced countries show a strong preference for on-site provision of care services and convenience, even in urban settings such as London and New York.
For the record, being land-starved has nothing to do with the viability of a retirement village. Everyone has to live somewhere, whether it's in a traditional home like an HDB flat or condominium or an RV apartment. Who says RVs have to be sprawling complexes spread over 200 acres (80ha) like in Australia or rural USA?
Vertical retirement villages - which are basically elder-friendly condominiums with comprehensive on-site services - are also a viable option and there are many such complexes in both Europe and the US.
Source: http://ifonlysingaporeans.blogspot.com/2012/02/yes-we-need-retirement-villages.html
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Thursday, February 23, 2012
How To Treat TMJ Pain And Aches | New Health and Fitness
New Health And Fitness.Org - Health Information You Can Use
Costly. This certainly is the more common remark from men and women who wish to acquire TMJ pain therapy. It is far from surprising simply because both males and females with TMJ pain visit a oral surgeon first before taking medical-related recommendations from medical experts. Commonly, TMJ treatment solution is non-invasive using alternative ways to treat TMJ disorder. However, not all remedies for TMJ are successful. Moreover, it will last months and in most cases years until the very best result from natural TMJ treatment is possible. Just what exactly are our possible choices if you?re considering TMD pain remedy?
Take into account that TMJ is not a health problem. It is a joint that joins your jaw to your head. You can find these attachments just adjacent to your ears. Once you understand this, selecting the most effective TMJ treatment will likely be a lot easier. Most sufferers of this issue have realized a cause of their problems from a dental angle. When dental occlusion assessments make sure that your pain arises from teeth misalignment, you will have numerous treatment plans. Naturally, any TMJ treatment side effects will almost always be present. Yet the great news is, almost all dental treatment programs for jaw discomfort involve non-invasive methods. A single non-invasive and non-surgical remedy for TMJ is to apply a splint. This really is a teeth product that you can use for several months or more. Your dentist will look at your TMJ X-ray and make a custom fit dental guard (dental gadget) to suit your needs. This TMJ treatment solution is also good for young adults and kids due to the fact splints are generally used anytime of the day.
At the same time, you can actually achieve instant relief from licensed chiropractic doctor massages and treatments. However, the pain relief may possibly last for a few sessions. Still, they?re less expensive options if you don?t have chronic TMJ disorder. TMJ treatment methods jaw exercises are additionally efficient ways to eliminate pain. All these exercises are ideal if you have occasional jaw pain. For persistent and severe situations, exercises for the jaw may just magnify the disorder. You must do exercises with great care and with gentle motions.
How about the so named TMJ treatment health care doctors in the US? What are their recommendations? Most of these doctors will make use of muscle-skeletal remedy, TMJ disorder surgical treatment or Botox treatment for TMJ. Essentially, surgery solution for TMJ syndrome is intrusive and is typically permanent. This procedure also requires a large sum of professional and medical fees.
Summing up, some of the finest TMJ treatment results originate natural therapies while others testify in support of surgical and dental procedures. The more crucial thing is you know your alternatives that can help you decide on your best treatment.
Additional TMJ Treatment tips are available in our pages. Solve your TMJ Pain today.
Source: http://newhealthandfitness.org/2012/02/23/how-to-treat-tmj-pain-and-aches/
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Researchers Spot New Gene Mutation Linked to Breast Cancer (HealthDay)
[unable to retrieve full-text content]HealthDay - WEDNESDAY, Feb. 22 (HealthDay News) -- Scientists have identified
a new gene mutation linked to breast cancer.
a new gene mutation linked to breast cancer.
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Summer season undomesticated: ?soil? for you to drink up wine ...
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Wednesday, February 22, 2012
Importance of MMA Shorts | Articles Beloved
Mixed Martial Arts (MMA) is a form of fighting sport that involves grappling and striking methods while standing, boxing, wrestling, Muay Thai, Brazilian jiu-jitsu, taekwondo, judo, kickboxing and many more types of fighting. Its origin lies way back at the time of traditional Olympic in the guise of fighting sport of Pankration.
In early 1900s assorted mixed fashions of competitions happened in varied states like Europe, Japan, Pacific Rim. In 1920, Vale Tudo a kind of combat sport which was developed in Brazil and in 1993 it was brought to United States by the Gracie family with Ultimate Fighting Championship (UFC). In 1939 professional MMA events took place in Japan by Shooto. In 1995, Mr. Rick Blume, president and CEO of Battlecade popularised the name Mixed Martial Art. Thereafter, this sport became popular and now it is one of the most well-liked sports globally.
Various heavy amendments and changes had been carried over the years in the guidelines of mixed martial-arts. As the fighting techniques data spread among the wrestlers and spectators, it became more notable and clear to perform amendments in the original rules. The most vital modification in the guidelines was about securing the safety and health of the fighter. The perception of barbarism and lawlessness needed to be completely banned so it can be recognized as a legitimate sport. The latest rules have introduced weight classes.
There are 9 weight classes which include flyweight, bantam weight, featherweight, lightweight, welterweight, middleweight, light heavy weight, heavy weight and super heavy weight. Together with these rules, assorted get ups were made compulsory like open-fingered gloves and Muay Thai Shorts, MMA Shorts. Even the time limits were set in order to avoid fighters expressing their strengths. In the majority of the fights time limit of 3 5 minute rounds is set.
Male fighters were meant to wear groin protectors beneath their trunks while female fighters were supposed to wear MMA Shorts and Muay Thai Shorts and sports bras or other similar snug-fitting tops. Masculine and feminine fighters are also needed to wear a mouth piece. The right way to purchase your martial-arts garments is to use online webshops as they're cheap and run different discounted offers which save you far more.
Breezy from Thailand is a leading company in the manufacture of top quality boxing gloves, Muay Thai Shorts, Shin Pads, MMA Shorts, and T-Shirts.
Source: http://articlesbeloved.com/recreation-sports/importance-of-mma-shorts
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Rihanna And Chris Brown's 'Birthday Cake' Remix: Fans React
'People have to get past that 'incident' in '09,' one fan tweeted.
By Jocelyn Vena
Rihanna
Photo: FilmMagic
On Monday night, Chris Brown and Rihanna dropped the long-prognosticated remix to Ri's "Birthday Cake," from her Talk That Talk album. The duo also dropped a remix of Brown's Fortune track "Turn Up the Remix," all on Rihanna's 24th birthday.
The producers behind the "Cake" track, Da Internz, promised that the remix would "shock," and they didn't lie. Considering that it was just three years ago that Brown assaulted Rihanna over Grammy weekend, the two coming together for the sexy duet marks a new chapter for the singers, one that has been met with varied reactions from fans.
On one side of the argument are fans who appreciate the song regardless of the singers' past. Speedy12 wrote, "First of all Rihanna has to live her life ... people have to get past that 'incident' in '09. You guys are forgetting he has never hit Rihanna b4 that time ... THEY HAD A FIGHT!! Like most of us do ... they have grown up and moved past that time. Role model or not ... RIHANNA CAN'T LIVE FOR HER FANS ... SHE LIVES FOR HER!! And the sooner you delusional ignorant idiots realize that, the quicker they, along with everyone else who's quick to judge, can move on. LEAVE THEM ALONE!!!"
Sandra D. had a similar reaction, writing, "I realllyyyyy loved BOTH Cake and the Turn Up The Music remix. They took a bold decision, but I believe it will show the world that it is finally time to move on and get back to making great music! LOVE Chris' music video to Turn Up The Music too!"
KringleChick wrote, "Loving both of these songs. Glad they were able to put the music first and let everything else stay behind. Both are great artists and these songs rock. Their voices are amazing together!" For other fans, however, their past is hard to ignore, and many readers met the release with disbelief and anger, citing the 2009 assault. "Why, Rihanna? Why?" LP54 wrote. "I know for lots of people it's just a song, but for others it's their role model saying it's okay.
Whether Rihanna likes it or not she is a role model. Her making this song is telling those girls that you can go back to him even if he has abused you. Chris has nothing to lose from this but she has sponsors, fans, and support from the media. With two songs, Riri could lose a lot."
What do you think of Chris Brown and Rihanna working together in light of their history? Sound off in the comments.
Related ArtistsSource: http://www.mtv.com/news/articles/1679566/rihanna-chris-brown-birthday-cake-fans.jhtml
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Wall St loses steam after Dow crosses 13,000 (Reuters)
[unable to retrieve full-text content]
Reuters - Stocks ended little changed on Tuesday, paring gains after the Dow topped 13,000 for the first time since May 2008, and as higher oil prices damped prospects for the economy.
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Do I need a worker's compensation Insurance for my deli? ? Poly ...
I?m planning to start a deli.Me,my wife and a part time employee will be working there. I?m not planning to put either me or my wife on payroll. So the only person on the payroll will the part time employee.
Now i?m shopping around for liability insurance. Some of the agents says I have to have worker?s compensation insurance as well. Do I really need that? I live in NJ
Some questionable advice, above, so pretend you did not read any of it, and follow along.
You are required to carry WC if you have 1 or more employees. The definition of employee is anyone who is the "servant" in a master servant relationship. The hours they work have nothing to do with it, nor does the amount or type of payment.
Evidently, you are operating as either a partnership or a sole proprietorship. You as owner are automatically EXCLUDED from coverage, but may optionally elect to be covered. If you want coverage for yourself, then you will be assigned a payroll for rating purposes, regardless of what you actually make. As of year end, 2011, you will be charged based on actual earnings subject to a minimum of $29,640 and a maximum of $118,040.
Same deal with partners, and members of an LLC.
If you are a corporation, however, then executive officers are automatically INCLUDED, but may elect to be EXCLUDED. Same minimum and maximum payroll assignments as above.
Be aware that your "remuneration," typically means "payroll," but includes many other forms of consideration, as well ? not just the paycheck.
Your best bet is a consult with an accountant and/or attorney who is familiar with business law and can help you establish a business format appropriate to your needs.
I?ve given you some links to get you started. Remember, as with everything, "Certain restrictions apply, see store for details."
If your business is a corporation, you cannot "elect" to keep you and your wife off of the payroll, in NJ.If you?re a sole proprietorship, you still need to carry workers comp for your part time employee, in NJ.
There?s no "only full time employees have to be covered" law ANYWHERE.
Also, NJ is a mandatory disability state ? you must carry short term disability insurance coverage on EVERY employee, part time or full time.
I?m a bit surprised the agents you?ve been talking to, haven?t mentioned that.
Yes.If you have any employee, then you need worker?s comp insurance.Whether the worker is full time or part time, if the person works for you, then you really need worker?s comp.
yes
Source: http://polyno1.com/do-i-need-a-workers-compensation-insurance-for-my-deli/
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Are commodity merchants "swap dealers" by any other name? (Reuters)
[unable to retrieve full-text content]Reuters - Big energy companies like Royal Dutch Shell (RDSa.L) and commodity merchants like Cargill have a simple argument in pushing back against looming new swap market rules: We're not a bank, so don't regulate us like one.
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