Wednesday, June 29, 2011

Who to talk to about legal issue WRT ventilation - ALS/MND Support ...

Old Yesterday, 12:49 PM ? #1 (permalink)

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Hello-
I live in New York state. I have questions regarding the legality of withdrawing someone from a ventilator.

My father-in-law has rapidly progressing PBP. He is starting to have breathing issues. He is trying to decide if he wants a ventilator. I want him to be able to make his decision with all the facts and all the options that are available to him.

Specifically, I want to know if he were to opt for a ventilator, become dependent on it and then change his mind, would he, legally, be allowed to be removed from the ventilator?

I just don't know who to ask...a lawyer, a doctor, someone else?


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Source: http://www.alsforums.com/forum/general-discussion-about-als-mnd/16070-who-talk-about-legal-issue-wrt-ventilation.html

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Camelot plans lottery expansion

Camelot has proposed installing 8,000 additional lottery terminals in return for an extended licence to run the National Lottery.

This article is from the BBC News website. ? British Broadcasting Corporation, The BBC is not responsible for the content of external internet sites.

Source: http://www.bbc.co.uk/go/rss/int/news/-/news/uk-13955739

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The Convenience of Hiring an Online Math Tutor | iphoneandipad.info

If your child is struggling in math class and changing into annoyed, he/she wants a little tender loving care and personalized education with online math tutoring. What better method to get up to hurry in arithmetic than a little one-on-one math assistance. But, some people should not be providing online math tutoring. Automated sites don?t count, when you have a son/daughter who needs to through within the towel, when it comes to studying math. Your kid deserves a high quality distance math education.A Free Trial Period A quality distance math education does not mean on-line math tutoring designed to empty your wallet, just because someone is profiting from your child?s need for math support. Quite the contrary. In fact, you should find a provider that?s so certain you may be happy with your son/daughter?s math progress; he/she is willing to supply a free trial period.

In this scene, how the kid will perform in faculty, specifically on his math subject lies on the effectiveness of the tutor. Thus, the math tutor should be very resourceful to make every tutoring session as effective as he can. You see, teaching math subjects do not have to be boring at all h2 maths tuition. As a matter of fact, mathematics is among the subject that can be taught using totally different materials and teaching styles. It?s up for the tutor to be artistic and resourceful.

There are many benefits for on-line tutoring. This can greatly help a child who is concerning to require major examinations. The student receives special attention from the web teacher and focus on the weak points of the child.

This may greatly help the child to perceive the subject much better and at his own pace since there are not any time constraints in contrast to in a classroom.

Lots of students feel scared of mathematics because of a weak foundation. Such students would like tutors who are really patient with them. It is not continuously fruitful to have long sessions of tutoring rather emphasis should be given on short sessions and then time should be given to watch their reaction. Tutors should emphasize on finding the reason why students struggle to unravel certain problems and trace their root causes.

Another method could be to go through the scholars notes to find out the line of thinking used by student.A good math tutor should be curious about sorting out which procedure is good for the coed and which is not poa tuition. For instance, there may be many ways in which of finding factors for a trinomial but student needs to master solely one, with which he/she is comfortable. The tutor should be flexible enough to allow and assist the scholar in obtaining good with the means and technique the student chooses even if it is a bit slower.

The online private instructor can also use various methods for teaching such as presenting slide shows, multimedia shows, diagrams, and live videos in order to elucidate various ideas to make it easier for the child to understand. The student will conjointly record the tutoring session in case he needs to review the lessons taught during a particular tutoring session teaching jobs in singapore. This is often very convenient especially for students who would really like to possess a reference to be used while they are reviewing on their own.

Source: http://iphoneandipad.info/index.php/2011/06/the-convenience-of-hiring-an-online-math-tutor-3/

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Wrestling Advocate Wants Students to Speak Out on Athletic Fees ...

In Mike Moyer?s crusade to bring back the hundreds of collegiate wrestling teams that have been eliminated over the past three decades, a new battlefront has emerged. Call it the war over student fees.

At many Division I athletic programs, student fees provide the lion?s share of revenues?sometimes covering as much as two-thirds of all expenses. For that reason, Moyer, the executive director of the National Wrestling Coaches Association, thinks students should be more involved in major decisions in athletics. Say, for instance, a decision to eliminate a wrestling team.

?Most of their athletic department money doesn?t belong to the school, and it doesn?t belong to the state. It belongs to the students,? Moyer says. ?It?s their money. They need to have more say in how it gets allocated.?

In recent months, Moyer has met with student-government representatives at a handful of universities to encourage them to pay attention to the way their student fees are spent.? California is a specific target: Several of the state?s collegiate wrestling programs have been discontinued in recent years, and only four NCAA programs remain. He?s also trying to reach out to coaches and athletes in other Olympic sports to discuss the financial model that supports them?and that also makes them vulnerable.

The University of California at Davis is one place Moyer has been focusing his efforts. Last summer, UC-Davis dropped four of its 27 sports?women?s rowing, and men?s swimming, indoor track and field, and wrestling?as the athletic department absorbed more than $2-million in budget cuts. Over all, the university slashed more than $36-million from its budget in response to a rollback in state support.

Moyer?s message to the students was this: It?s your money. Speak up.

?The intercollegiate athletic business model is terribly broken, and everybody knows it. However, administrations continue to field it even though they know it?s not sustainable. And that?s the travesty,? Moyer says. ?It?s becoming a question of how much more carnage of Olympic sports is going to have to occur before [administrators develop] a better business model.?

For now, though, student fees continue to prop up many Division I athletic departments that lack the diverse revenue streams of big-time programs. And as state lawmakers continue to wrestle with soaring deficits and flagging revenues, there?s no clear solution in sight.

Still, Moyer is optimistic that by appealing directly to students, he can persuade athletic officials to preserve programs. ?We talk so much about why athletics is important in our society,? he says. ??If every time money gets tight we?re going to kick sports out to the curb, eventually you run out of sports.?

?

Source: http://chronicle.com/blogs/players/wrestling-advocate-wants-students-to-speak-out-on-athletic-fees/28796

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Tuesday, June 28, 2011

Worst drought in 60 years hitting Horn of Africa: U.N. (Reuters)

GENEVA (Reuters) ? The worst drought in 60 years in the Horn of Africa has sparked a severe food crisis and high malnutrition rates, with parts of Kenya and Somalia experiencing pre-famine conditions, the United Nations said on Tuesday.

More than 10 million people are now affected in drought-stricken areas of Djibouti, Ethiopia, Kenya, Somalia and Uganda and the situation is deteriorating, it said.

"Two consecutive poor rainy seasons have resulted in one of the driest years since 1950/51 in many pastoral zones," Elisabeth Byrs, spokeswoman of the U.N. Office for the Coordination of Humanitarian Affairs, told a media briefing.

"There is no likelihood of improvement (in the situation)until 2012," she said.

Food prices have risen substantially in the region, pushing many moderately poor households over the edge, she said.

A U.N. map of food security in the eastern Horn of Africa shows large swathes of central Kenya and Somalia in the "emergency" category, one phase before what the U.N. classifies as catastrophe/famine -- the fifth and worst category.

Child malnutrition rates in the worst affected areas are more than double the emergency threshold of 15 percent and are expected to rise further, Byrs said.

High mortality rates among children are reported, but she had no figures for the toll.

Drought and fighting are driving ever greater numbers of Somalis from their homeland, with more than 20,000 arriving in Kenya in just the past two weeks, the U.N. refuge agency UNHCR said on Friday. It voiced alarm at the dramatic rise, noting the average monthly outflow had been about 10,000 so far this year.

Almost half the Somali children arriving in refugee camps in Ethiopia are malnourished, and those arriving in Kenya are little better, Byrs said.

U.N. humanitarian appeals for Somalia and Kenya, each about $525 million, are barely 50 percent funded, while a $30 million appeal for Djibouti is just 30 percent funded, she said.

(Reporting by Stephanie Nebehay; Editing by Louise Ireland)

Source: http://us.rd.yahoo.com/dailynews/rss/un/*http%3A//news.yahoo.com/s/nm/20110628/wl_nm/us_africa_drought

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Is Tava Tea Safe? | Easy Healthy Food Guide

The Chinese must have identified one thing in tea that makes it their official drink. Packed with plenty of advantages, the different potentials that tea presents have prompted scientists to tap on this plant for its hundreds of utilizes. Pharmaceutical corporations have come out with food supplements wherein tea is utilized for detoxification. On one hand, food and beverage firms have came up with their very own tea-flavored items that can appeal to the health conscious buyers. Recently, the hype on tea as an effective weight reduction drink has also gotten the complete globe by storm. Therefore, you are going to come across them pretty much everywhere, from on the net stores to supermarkets as well as in nearby food stalls. On the other hand, none can equal what Tava Tea has to offer you. Red far more and you?ll find out that there is more to this tea blend that refreshes the body and calms the soul.

Tea, regardless of kind, can do plenty of positive aspects to the body. Just how much much more if there are three of them combined in just one drink? Which is one question that Tava Tea Slimming wants to give everyone having a solid answer. Combining, Puert, Sencha and Wuyi Cliff Oolong, this versatile product has the top of everything. Thus, it will not come as a surprise when this product has been selling like hotcakes.

Accurate to its promise of helping you obtain a sexier body, Tava Tea Slimming goes beyond than helping you shed those extra pounds. Instead, it truly is loaded with advantages which can be much more than what you have paid for. Rather, it helps increase your immune method and relaxes you physically like no other tea drinks do. As a weight reduction blend, metabolism is hastened and fat absorption is decreased significantly. To a dieter who is also concerned of his looks, this unique tea can aid reverse the different signs of aging. As such, you get more than what you?ve basically paid for.

The popularity of Tava Weight Loss Tea has created it everybody?s option of a brand in as far as tea is concerned. In spite of that, the company behind it has by no means failed to deliver its valued buyers not just with a lot of rewards but bigger savings too. Come to think of it, for a box of 30 bags, you get 60 pots. How far can you get with other goods?

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Source: http://www.easyhealthyfoodguide.com/2011/06/is-tava-tea-safe/

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Monday, June 27, 2011

CMA Communications Renews Multi-Year Service Contract with IBBS to ...

CMA Communications Renews Multi-Year Service Contract with IBBS to Support Data, Voice and Commercial Services











Via a comprehensive suite of services, IBBS enables broadband providers to better deliver voice, data and commercial services to their subscribers.

Dallas and Atlanta (PRWEB) June 20, 2011

IBBS, the leading provider of voice and data services for Tier 2 and 3 broadband providers, today announced that Dallas-based CMA Communications has renewed its relationship with IBBS in a multi-year contract for voice, data and commercial support services.

For more than 20 years, CMA Communications has been a leading provider of cable services to rural communities in Texas, Louisiana, Mississippi and Nevada. The company serves more than 45,000 subscribers. Since 2008, CMA Communications has benefitted from a suite of IBBS Service Activation and Service Assurance services for critical back-office support. The company leverages IBBS? provisioning services and network diagnostics tools to serve data customers as well as a suite of voice services to power its residential phone offering. Most recently, CMA Communications tapped IBBS to launch commercial voice and data to serve businesses throughout its network footprint.

?IBBS? robust platforms, systems architecture and support structure make our partnership an ideal long-term choice for CMA Communications in providing superior services to our customers,? said Steve Sizemore, director of operations at CMA Communications. ?We continue to provide new and exciting services to our residential customers and we?ve made a successful foray into commercial services. IBBS has been our partner every step of the way helping us to maximize revenue while advancing our competitive position.?

In addition to CMA Communications? cutting-edge services strategy, the company maintains a local flair in its operations and customer service strategy. The company maintains local payment offices in most communities and employs local and regional technical service staff. The company sees IBBS as an extension of this local provider strategy.

?The IBBS team works with broadband providers to support operations as if they were our own. We?re deeply vested in our customers? success in driving both profitability and customer acquisition,? said Dave Keil, chief executive officer at IBBS. ?We?re especially pleased to partner with CMA as they?re continuously seeking opportunities to innovate and advance their standard of service. Our partnership serves as a model for service delivery in the Tier 2 cable marketplace.?

Terms of the contract are not being disclosed. To learn more about CMA visit http://cmaaccess.com/home. To learn more about IBBS services including IBBS Service Activation, Service Assurance and Commercial services, visit http://www.ibbs.com/services.

About IBBS

IBBS provides fully-integrated data, voice and technical support services to broadband providers to simplify their delivery of advanced communications into the residential and commercial marketplaces. The company?s technology and expert approach to service provide an unmatched customer experience and measurable ROI for the providers it serves. IBBS customers leverage the award-winning proprietary BBX operational support system to launch services and seize marketplace opportunities while relying on the company?s NOC, engineering team and world-class Technical Support Center to drive profitability and delight its end users. For its business vision and market success, IBBS was named a Top 50 American Telecommunications Firm by Inc. Magazine in 2008. In 2010, IBBS was named one of Georgia?s ?Fast 40? Growing Companies and included in Inc. 5000 list of America?s fastest-growing private companies. IBBS is headquartered outside Atlanta with regional offices in Vancouver, Canada; Lexington and Louisville, Ky.; and Cartersville, Ga. Learn more about IBBS and its service portfolio at http://www.IBBS.com.

About CMA

For more than 20 years, CMA Communications has been a leading provider of cable television service to rural communities in Texas, Louisiana, Mississippi and Nevada. Today, CMA offers a broad variety of digital cable television, high-speed Internet and telephone service to homes and businesses throughout its service area. In today?s increasingly competitive marketplace, CMA Communications continues to provide a ?local? flavor to its business. The company maintains local payment offices in most communities and employs local and regional technical and service staffs. At the same time, CMA strives to provide cutting edge products to its communities. Among small cable operators, the company has been a leader in high-speed Internet and digital telephone technology. CMA Communications is an independent company focused on its customers, employees and communities. Headquartered in Dallas, Texas, CMA Communications is a division of ETAN Industries. More at http://cmaaccess.com

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from your own site.

Source: http://www.sniusa.com/cma-communications-renews-multi-year-service-contract-with-ibbs-to-support-data-voice-and-commercial-services.asp

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Banner Advertising - advertising internet

Banner Advertising ? Secrets to Knowing If You Can Get Visitors to Your Site Using This Strategy

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Source: http://advertising-internet.info/2011/06/banner-advertising-secrets-to-knowing-if-you-can-get-visitors-to-your-site-using-this-strategy/

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Moonlight Book Reviews: Amalie Howard (Tens List) (Tour Stop)

Amalie Howard author of Bloodspell is here to talk about her top ten high school moments! If you want to see the review go to the review archive and look it up! I found this fascinating and know you will too!

Top 10 High School Moments

So here?s the thing, my high-school experience is a little bit different from the norm. First of all, I went to high school in the Caribbean, which means that we followed the British education system. Under that system, the first level is primary (or elementary) school, for ages five to eleven. Then comes the next level of education we?re talking about ? secondary school or high school, for ages eleven to eighteen. Think along the lines of Harry Potter if you?re floundering. We also call them ?forms? not grades. So in high school, you?d have Form 1 through to Form 6 (which was split into two years, Lower Sixth and Upper Sixth).

The other thing you should know is that I went to an all girls high school, and we all had to wear a lovely navy blue plaid uniform. My high school was called St. Augustine Girls? High School. Like the Harry Potter books, we were all sorted into five Houses upon entry, like Gryffindor and whatnot, only ours were called Beattie (yellow belts), Mahase (white belts), Wagar (red belts), Lahourie (dark blue belts), and Guisseppi (light blue belts). We didn?t have a sorting hat ? House selection was all more random actually. I was in Beattie, and we were known for our athletic capabilities. Like Hogwarts, we received order marks (demerits) for bad behavior and earned points for school and/or sporting events. At the end of the year, one House would be the winning House based on the tallied number of points.

That said, here are my top 10 High-School Moments (note: they?re not all good).

10) Winning the House Cup four years in a row in the seven years I was there.
9) Not having to shave my legs for weeks because it was an all girls? school.
8) Going to the ?disco? for the first time at the ?May Fiesta? high school fair (think warm school auditorium, windows lined with black garbage bags, boys, and a whole lot of the forbidden dance).
7) Placing second in a high school fashion show in third form (I won a Sony Walkman!)
6) Winning the ?Survival-of-the-Fittest? athletic contest (think Survivor in high school) in second form. I was tiny but I was tough!
5) Playing the steel-pan with the school band in a National Music Competition in fourth form.
4) Admitting to drinking during a school seminar on drugs and alcohol in fifth form. A French professor at the time, my mother made me write out the meaning of the word ?drunk? 100 times for publicly embarrassing her. Note to self: never embellish the truth on alcohol consumption.
3) Being the mascot for my House?s marching band during Sports Day ? I was the cutest cartwheeling banana ever!
2) Being named ?Most All-Round Student? in sixth form.
1) PROM. Come on! This is the same for any high school, anywhere, only ours was called a ?graduation ball.? I didn?t have a boyfriend, so my prom date was an older boy whose parents were friends of my parents. He was cute and sophisticated, which was awesome until I found out he had a girlfriend. Sigh.

Source: http://www.moonlightbookreviews.com/2011/06/amalie-howard-tens-list-tour-stop.html

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Health and Fitness ? Fables and Facts Revealed | welcome to ...

Imagine the frustration of discovering that you?ve been performing the same exercise wrong for years. Think about the person who gets injured because of incorrect form and information. These are very real considerations and they happen to people all the time. You need to be sure you?re getting your information from experts and credible sources for this reason. Your health and soundness of body depends on it because the world is rampant with bad information in so many areas. The following is some solid information on health and fitness.

You can find several yoga and back pain products online. Typically, the marketing says that doing yoga can help with back pain. There is truth as well as possible assumptions that can be misleading and dangerous. Doing yoga can be helpful if your back pain is caused by muscle problems. Yoga can help you stretch and strengthen the muscles in your back. Once you can do that, then your back pain will get better. However, if your back pain is related to bones and related tissue, such as a spinal disc problem, then yoga is not the ticket for you. In fact, doing yoga with a spinal column issue can cause serious complications.

We have all heard that exercise will help you have more energy. This benefit of regular exercise is true. Exercising in the morning leaves many people feeling energized all day. One of the many reasons for this is increased blood circulation. When your circulation is improved, then your cells are receiving a higher amount of oxygen. Related to that is your strength and stamina will improve with working out. Improved stamina will naturally help you feel more energetic.

When you engage in a quality fitness program you will experience an all-round higher level of physical and mental performance. Indeed, the benefits of greater strength and stamina will help your physical performance. Plus the greater degree of clarity will obviously help you with mental performance. The good habits of regular exercise often get carried over into a person?s diet and nutrition.

If you are totally new to working out, then health and fitness truths and falsehoods are more important than ever. This is important because you are still forming your fitness habits. If you cultivate the wrong habits now, you?re setting yourself up for a painful process of re-education later. Proper habits are crucial to your personal success plus whether or not you continue on with your fitness program.

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Source: http://www.russellhuie.com/health-and-fitness-fables-and-facts-revealed/

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Sunday, June 26, 2011

Who Is Your Emergency Plumber

Water is an amazing thing, isn?t it? ?All of life requires it to survive and on the surface of things, it appears to be fairly harmless. It feels good to soak in, provides hours of entertainment for play, and is useful for many different tasks. ?However, we are all well aware of the destructive power of water, as well. ?Nobody with access to the media can claim they are unaware of the devastating nature of tsunamis, flooding and hurricanes, to name a few.

Home-owners, too, are aware of the potentially devastating consequences of water damage. ?Water can cause thousands of dollars of damage in a very short period of time. ?That is why, when faced with burst pipes, leaking water heaters or other such difficulties, the first thing they do is call an emergency plumber. ?If the sump pump has backed up or the water heater is flooding, they know that the best way to avoid even more expense is to get the plumbing issue fixed as fast as possible. ?It?s bad enough to have to pay an emergency plumber; nobody wants to have to pay to replace expensive flooring, cabinetry or walls.

Sometimes, the urgent nature of a plumbing problem doesn?t become apparent until damage has already occurred. ?In these instances, the need for an expert is even greater as care must be taken not to further damage the surrounding property while fixing or replacing plumbing. ?Water?s corrosive powers are well documented and understood and as such, routine maintenance is the wise home-owners best defence against plumbing emergencies. ?Regularly check for leaks, sweating pipes and rust damage. ?Regular inspections of the accessible plumbing can be done yourself, preferably once a year. ?Internal inspections of the plumbing lines can be done by your plumber. ?Your plumber can inspect both the gas lines and the water lines in your home to be sure there are no leaks. ?The use of a CCTV inspection is a great advantage, also, because it allows you and your plumber to catch problems long before they become a serious problem.

The bottom line is that any leaks must be treated promptly in order to prevent thousands of dollars of water damage. Drain Master Plumbing, for example, charges a flat rate for jobs, so you don?t even have to worry about unexpected expense. Make sure you select a business that guarantees their labour and has a reputation for excellence and swift response time.?

Source: http://lifestyle.ezinemark.com/who-is-your-emergency-plumber-7d2f264c12a9.html

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Watch Reds vs Orioles Live Stream MLB Baseball Game Online 25-June ...

Watch Reds vs Orioles Live Streaming Online PC TV, MLB Baseball Live Online HD TV, Reds vs Orioles live online Instant streaming Internet Tv On Air, Reds vs Orioles live stream broadcast Online Today.

Watch Reds vs Orioles live Stream online PC TV Soapcast and Video Highlights of MLB Baseball live Game. Get the live Instant streaming Internet TV Links Here. This game will be played on the Major League Baseball Championship Most Enjoyable on Saturday, 25-06-2011. MLB lovers must watch this match. Reds vs Orioles Live exciting Baseball match Streaming at 07:05 PM,ET. Get Instant Access here to watch live Reds vs Orioles live broadcast Online HDTV.

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Watch live MLB Baseball on satellite TV, cable TV and watch pay per view online live and in HD on the PC over the Internet. we offer a number of useful links here. Everyone watch Major League Baseball live matches and other sporting events has never been so easy. Get instant access to the widest possible coverage of MLB Baseball matches on the web directly to your desktop from anywhere.

Where to watch Reds vs Orioles live MLB Baseball match? you get links from this site. MLB fans, do not miss it, if you can not follow the Reds vs Orioles game live on your TV, do not worry, you can still watch the MLB Baseball game online from your PC TV. Well sports fans, Look at the link below and you are entitled to access to this great Baseball match. watch and enjoy Reds vs Orioles game live on your PC.

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  3. Watch Cincinnati Reds vs Baltimore Orioles Live Stream MLB Baseball Game Online 25-June-2011
  4. Watch Reds vs Orioles Live Streaming Online PC TV 24-June-2011 | MLB Baseball
  5. Watch Reds vs Orioles Live Streaming Online PC TV 25-June-2011 | MLB Baseball

Source: http://www.6articles.com/recreation-sports/10597-watch-reds-vs-orioles-live-stream-mlb-baseball-game-online-25-june-2011/

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Wealth and prosperity ? Talk Yourself Into It

The careful selection of the things you say to yourself on a regular basis is a simple way to attract wealth and prosperity into your life. The power of self-control speech is ignored by most people. Guess what will happen to your life if you tell yourself that you hold broke, you do not have enough money, and that nothing is right for you. Things will be catastrophic.

To put it simply, our beliefs about self-fulfilling prophecies. If you say it, believe me, will be so careful with your words, because those beliefs define the reality that we are in, even if what you say is live only in a joking way, even if it is derogatory, then it is a part of your system beliefs. Negative beliefs prevent you from winning and creating good things in your life.

Pay attention to your thoughts

From Protect Your thoughts and words carefully, and I want to change things, to win big> Wealth and prosperity in your life. Aware of the things that you experience, and just talk instead of talking about negative things and belittlement.

Instead of complaining how hard times are or how difficult your life is turn around and say that you have a large person, the ability to create their own reality and live the life of his dreams. Faith and assert that a person who is always possible, their goals and aspirations are to achieve in life. ThisYou raise your vibration, the higher your vibration, the stronger pull of the good things in your life.

Affirmations

Let me give you some of my favorite affirmations, I like to say to me:

? I have an abundant supply of money.
? I have more than enough of what I really need it and I'm going to share with others.
? I am a great person.
? I love and am loved.
? Money is no problem
? I am a lightHope for others.

You see, that can really powerful. The thoughts, words equally successful expansion, which is the law of attraction. You say to yourself and convince yourself that you for every experience that you will meet. There are experiences you gain in your reality.

What do you mean your thoughts and feelings in order to win

At some point, we thought of things and feel things that made the universe to give things up for youon the same frequency that you thought and what I felt. So, if most of the time, you bad, you get the bad things, and if most of the time it feels good and think good things, good things happen to bring into your life.

Speak for themselves in a life of wealth and prosperity, and you will see great results and great changes in your life.

Source: http://self-improvement-abundance-prosperity.chailit.com/wealth-and-prosperity-talk-yourself-into-it.html

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Personal Finance Blog: Unsecured Small Business Loans

When seeking unsecured loans for a small startup or pre existing business, sometimes the loan application process can be the most grueling part. Lenders make small business funding difficult due to the multi-dynamic risk small businesses pose. To ensure minimal risk to the lender, a number of requirements are incorporated into the lending procedure. Filling out an online application for a unsecured small business loan is easier today than ever before, especially through an online lender.

The unsecured small business loan application process can also be made difficult by the imposition of restrictions on how the loan proceeds can be used. This takes away the borrower?s freedom to use the funds as he or she may have seen fit. You can escape these hassles by using an online application for a unsecured small business loan.

Source: http://americafunding.blogspot.com/2011/06/unsecured-small-business-loans.html

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Saturday, June 25, 2011

Obama administration eyes ways to aid rental housing (Reuters)

WASHINGTON (Reuters) ? The Obama administration is exploring ways to support lending for rental housing as the troubled U.S. real estate sector has kept potential buyers on the sidelines, a top Treasury official said on Friday.

"We support a housing finance market that provides liquidity and capital to support affordable rental options and help alleviate the burdens that many low-income households face," Treasury Under Secretary Jeffrey Goldstein told a housing conference.

"We are also exploring how private channels can finance affordable multi-family housing, perhaps with limited, targeted governmental support," he said.

Goldstein said the administration's range of options to expand support for lending for multifamily rental properties includes reforms such as risk-sharing with private institutions.

He said private credit markets have generally underserved the multifamily segment that caters to low-income households, preferring instead to invest in high-end developments, Only 32 out of every 100 low-income families have access to adequate rental options, he added.

Goldstein defended efforts by regulators to ensure mortgage lenders retain some of the risk on loans they originate as part of the overall focus to strengthen the U.S. housing finance system. He said the effort needs to be balanced so it does not choke off credit.

"Better underwriting practices for mortgages are good for consumers, good for the financial industry, and good for the economy," he said.

The Treasury is involved with six federal regulators in implementing requirements from the Dodd-Frank Wall Street reform bill to curb risk-taking at financial firms. The legislation called on regulators to establish new guidelines for lenders and originators of securitized loans, the types of instruments that fueled the 2007-2009 financial crisis.

The proposed rules are intended to reduce risk-taking by forcing lenders to hold onto a 5 percent stake in any loan bundled for investors in the secondary market.

The law created an exemption for mortgages deemed to be safe enough, but left regulators to define the threshold. Regulators have proposed exempting mortgages when borrowers make down payments of 20 percent.

Shelia Bair, the outgoing chairman of the Federal Deposit Insurance Corporation, said extra costs that some borrowers might incur as a result of the new risk-retention rules will help prevent a repeat of the financial crisis.

In a speech at the National Press Club, she acknowledged pushback from the industry over the proposal from regulators on which loans might be exempt from the requirements.

"Given the controversy that has surrounded this rule, I have to say I regret that Congress carved out an exemption for ultra-safe mortgages as defined by the regulatory agencies," Bair said.

Critics have argued the rules would keep potential first-time buyers out of the housing market and drive up borrowing costs because lenders would charge higher rates for loans that do not qualify for the exemption. A comment period on the proposed rule expires on August 1.

An unlikely alliance of mortgage and consumer groups -- including the American Bankers Association, the Center for Responsible Lending and the National Community Reinvestment Coalition -- have petitioned for regulators to make changes to the rule, and say it could make it more difficult for borrowers to find affordable home loans.

(Additional reporting by Rachelle Younglai; Editing by Ramya Venugopal; Editing by Andrew Hay and Leslie Adler)

Source: http://us.rd.yahoo.com/dailynews/rss/obama/*http%3A//news.yahoo.com/s/nm/20110624/pl_nm/us_usa_housing_treasury

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Thursday, June 2, 2011

Doubts Rise Over Virus As Cause Of Chronic Fatigue Syndrome

XMRV, a mouse virus, may be an artifact of laboratory experiments rather than the cause of chronic fatigue syndrome.
Whittemore Peterson Institute

XMRV, a mouse virus, may be an artifact of laboratory experiments rather than the cause of chronic fatigue syndrome.

Two new studies may not be the final nails in the coffin of the hypothesis that a mouse retrovirus called XMRV causes chronic fatigue syndrome. But the hammering is certainly getting louder.

The latest studies, using very different approaches, present new evidence that XMRV was inadvertently created in a laboratory five years ago, and then found its way as a contaminant into a series of experiments.

As a result, some scientists, the skeptics say, were fooled into thinking they had discovered an exotic new virus that often seemed to show up in the blood of patients suffering from chronic fatigue.

The new studies "essentially close the door on XMRV as a cause of human disease," says John Coffin of Tufts University, an expert on retroviruses and coauthor of one of the new papers. No fewer than 11 studies have now failed to support the 2009 claim that XMRV is a probable cause of CFS.

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But Judy Mikovits of the Whittemore Peterson Institute in Nevada, the leading proponent of XMRV as the cause of chronic fatigue, insists the issue isn't settled.

Mikovits has refused to withdraw her 2009 paper at the request of the editors of Science, which published it, saying that would be premature in light of a planned National Institutes of Health study on XMRV. So the journal has published an "expression of concern" cautioning scientists that the initial paper is under a cloud.

Meanwhile, the hypothesis has had real-world consequences. Because of the fear that a new virus might be circulating, people with a history of chronic fatigue have been barred from giving blood in the United States, Canada and other countries. The U.S. government has embarked on an effort to determine if XMRV is a threat to the safety of the blood supply.

And some doctors have reportedly begun prescribing antiretroviral drugs to CFS patients in the hope that will cure the debilitating ailment, which is thought to affect at least a million Americans.

The new papers, published online by Science, undermine the XMRV claim in various ways.

A team led by scientists at the National Cancer Institute did some detective work on how XMRV arose in the first place. That happened back in 1996, when researchers injected cells from human prostate cancer tumors into mice ? a common way of growing more cells for study.

When those researchers discovered a virus in human prostate tumors, they thought it had come from the cancer cells. But now, NCI-led researchers report that XMRV was not in the original cancer cells. It popped up when two proto-viruses that were present in the laboratory mice genetically combined to create XMRV, infecting the human cancer cells.

The chance that this genetic event could have occurred independently ? outside the lab mice ? is about one in a trillion, the NCI scientists say.

So how did XMRV get into other studies, years later, involving blood samples from chronic fatigue patients?

That's not entirely clear, but the NCI researchers and others at the University of California, San Francisco are convinced it was by contamination ? either of laboratory equipment or of reagents, chemicals used to detect the presence of the virus. The UCSF group found mouse DNA similar to those in XMRV in 9 out of 17 reagents it tested.

Most important, the UCSF researchers obtained fresh blood samples from 61 chronic fatigue patients who had been treated by Nevada chronic fatigue specialist Dan Peterson ? the same patients studied in the 2009 paper that found a strong association between the virus and the disease.

Forty-three of the 61 patients had previously tested positive for XMRV. But when the UCSF group retested them, looking for the virus, pieces of the virus or antibodies to the virus ? the results were all negative.

Moreover, the UCSF group found that XMRV and similar viruses "are fully or partially inactivated" by humans' immune systems, "suggesting that these viruses could not readily establish a human infection."

The San Francisco researchers left the door open to the possibility that a virus or other infectious agent could lie behind chronic fatigue, since some studies have found CFS patients have activated immune systems.

In fact, last August scientists at the NIH, the FDA and Harvard detected another virus, PMLV, in the blood of patients with chronic fatigue. But it's not clear where that claim now stands, since the new NCI paper found no evidence of the virus type that PMLV belongs to.

The new papers are a disappointment to the sizable community of chronic fatigue sufferers, who were ecstatic over the possibility that scientists seemed to have discovered a cause for their mysterious malady. That engendered hope that treatments might follow.

The CFIDS Association has issued a statement about the new studies that has a resigned tone. "The results of NIH-supported research into XMRV will provide answers about whether XMRV is a route to better care," the association says. "We will support the outcome of those studies, whichever way they lead."

Source: http://www.npr.org/blogs/health/2011/05/31/136828197/doubts-rise-over-virus-as-cause-of-chronic-fatigue-syndrome?ft=1&f=1007

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Differences between Realtors, real estate brokers and real estate ...

Differences between Realtors, real estate brokers and real estate agents

Nowadays when people decide that they want to buy or sell a house, residence, condominium, vacant land or a building they say say that they need a Realtor. They say this because most people believe that anyone who is licensed or authorized to handle the sale or purchase of real property is a Realtor. That belief, however, is incorrect. Realtor, real estate broker and real estate agent all have different meanings. Note: This article does not include Real estate attorneys. They are grist for another article.

Realtors: People ?who are involved in residential and commercial real estate as any of the following, brokers, salespeople, property managers, appraisers, counselors and others engaged in all aspects of the real estate industry? (a quote from the NAR website) and are members of the National Association Of Realtors. The National Association Of Realtors is a professional trade association and does not license people or businesses to represent buyers or sellers in real estate transactions. The NAR has trademarked the words Realtor and realtor and only members are allowed to call themselves Realtors.

Real Estate Broker: A person who is licensed to negotiate or participate in the sale, purchase, exchange or in some cases the rental of real property for a fee or commission, to operate a real estate firm and to supervise real estate salespeople. Different states have different requirements for obtaining a real estate brokers license. A person holding such a license may also work for other real estate brokers. If the real estate broker joins the NAR then that person can also use the term Realtor.

Real Estate Agent or Salesperson: A real estate agent or salesperson is also licensed to negotiate or participate in the sale, purchase, exchange or in some cases the rental of real property for a fee or commission but is not licensed to operate a real estate firm or to supervise other real estate salespeople. A Broker can work as an agent or salesperson but an agent or salesperson can not operate as a broker. A salesperson must work under the supervision of a licensed real estate broker. The licensing requirements for a salesperson?s license are much less rigid than the requirements for a brokers license. If the real estate salesperson joins the NAR then that person can also use the term Realtor.

Note: This article is only a basic outline of the above terms and is not meant to be relied on literally as various states have different rules and regulations.

By: Tina Westmont
For Find Realtors, a directory of realtors, real estate brokers, agents and sales people.

Source: http://modificationonmortgage.mmfdreamworksllc.com/?p=2137

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