Monday, October 29, 2012

Woman set on fire during C-section loses suit against doctor: report

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STOCKS NEWS SINGAPORE-Index down, weighed by Q3 earnings caution

Singapore shares were lower, with Citigroup saying that

third-quarter corporate earnings will likely leave investors

with weakened expectations as there have been more negative

revisions than positive ones.

The Straits Times Index (STI) was down 0.5 percent

at 3,041.37 points, while MSCI index of Asia-Pacific shares

outside Japan slipped 0.1 percent.

Keppel Corp Ltd was one of the biggest losers on

the index, falling as much as 2.3 percent. The stock had fallen

nearly 5 percent since the world's largest rig builder reported

a 15 percent fall in third-quarter net profit.

"In Singapore, a bottoming of export trends typically leads

stock market and GDP cycles  investors will need to see a

recovery trend in exports to drive the STI higher," Citi said.

It said it prefers stocks such as Hongkong Land Holdings Ltd

, Noble Group Ltd, Neptune Orient Lines Ltd

and Global Logistic Properties Ltd.

Recent earnings trends have been weaker than expected at

firms with higher yields, such as Singapore Press Holdings Ltd

and Hutchison Port Holdings Trust, Citi

said, adding that it remains underweight on banks.

Shares of drinks and property firm Fraser and Neave Ltd

, a takeover target of a company linked to a Thai

billionaire, fell as much as 1.8 percent. There was a married

deal of 688,000 shares at S$9.24 each.

F&N shares continued to trade above TCC Assets Ltd's offer

price of S$8.88 a share in anticipation of a rival bid by

Overseas Union Enterprise Ltd, a company controlled by

Indonesia's Lippo Group.

1405 (0605 GMT)

(Reporting by Eveline Danubrata in Singapore; Editing by

G.Ram Mohan; eveline.danubrata@thomsonreuters.com)

************************************************************

STOCKS NEWS SINGAPORE-Brokers raise NOL target after first

profit in 7 quarters

Several brokers raised their target prices on Neptune Orient

Lines Ltd (NOL) after the container shipping firm

swung to a net profit for its third quarter, breaking six

consecutive quarters of losses.

NOL posted a net profit of $50 million for the three months

ended September, compared to a net loss of $91 million a year

earlier, helped by cost cuts as well as improvements in its

liner and logistics businesses.

NOL shares were down 0.9 percent at S$1.16 on Monday. The

stock has risen 3 percent so far this year, underperforming the

15 percent gain in the broader Straits Times Index.

"We take NOL's first net profit in seven quarters as a firm

sign of a turnaround in the sector. 2014 will provide the plump

rewards for shipping lines able to endure a potentially

challenging 2013 supply situation," Maybank Kim Eng said.

The broker raised its target price to S$1.46 from S$1.35 and

maintained its 'buy' rating.

UOB Kay Hian said carriers are likely to push through

Asia-Europe rate increase of $500 per twenty-foot equivalent

unit (TEU) from Nov. 1. Carriers' capacity discipline remains

intact, which will help sustain the rate hike, UOB said.

NOL has agreed to sell its office building to Fragrance

Group for S$380 million ($311.3 million) and will book a one-off

gain of S$246 million, the broker noted. UOB upgraded NOL to

'buy' from 'hold' and raised its target to S$1.54 from S$1.26.

DBS Vickers increased its target to S$1.26 from S$1.23 and

maintained its 'hold' rating. It warned that NOL's profitability

may not be sustained in the following quarters, citing high fuel

prices and disappointing trade data from Europe.

DBS expects NOL to report a core net loss of $217 million in

2012 fiscal year, while lowering its 2013 net profit estimate by

10 percent to $178 million.

1146 (0346 GMT)

(Reporting by Eveline Danubrata in Singapore; Editing by

Anand Basu; eveline.danubrata@thomsonreuters.com)

************************************************************

10:30 STOCKS NEWS SINGAPORE-Mermaid up on Seadrill deal,

contract win

Shares of Mermaid Maritime Pcl rose as much as 12

percent after the offshore services provider said Seadrill Ltd

plans to acquire its associate and its joint venture

won a $530 million five-year contract.

Mermaid shares leapt as high as S$0.38, the strongest level

since August 2011. Some 3.6 million shares changed hands, 2.4

times the average full-day volume over the past 30 days.

Seadrill bought 12.2 million shares in Mermaid's associate,

Asia Offshore Drilling Ltd (AOD), at $5.00 each on Friday.

Seadrill, which now has 64.23 percent in AOD, will then make a

cash offer for the remaining shares.

Last week, Mermaid said its joint venture had secured a

five-year contract, with an option for another two years, for

offshore inspection, repair and maintenance services.

Mermaid's potential revenue is between 60 and 70 percent of

the contract value, the company said, without disclosing the

name of the client.

1016 (0216 GMT)

Source: http://news.yahoo.com/stocks-news-singapore-index-down-weighed-q3-earnings-061700699--sector.html

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Does Video Game Addiction Fix Itself? | World of Psychology

Does Video Game Addiction Fix Itself?Video game addiction ? also known as problem video gaming ? is an issue the media loves to hype (along with ?Internet addiction?). Such gaming addiction is hard to define, but like pornography, some professionals say they ?know it when they see it.?

One of the possible hypotheses put forth about these kinds of technology addictions back in 1999 was that what we were seeing wasn?t a behavioral addiction at all. Instead, it was suggested we were seeing the predictable adaptive behaviors of humans to unfamiliar stimuli in their lives. In this case, that stimuli was entertainment technology.

Emerging evidence suggests that this may be the case. And the really good news?

Video game addiction may resolve itself on its own ? simply with time.

The new research was a three-stage, longitudinal study designed to measure participants over an 18-month period. A total of 393 participants took part in an online survey advertised on Australian gaming websites. They were then asked to complete followup surveys at 6-month and 18-month intervals, with 117 participants doing so.

The surveys collected demographic information, video game playing behaviors, administered a problematic video game playing test, and depression, anxiety, and stress scales.

So what did the researchers find?

At baseline, there were 37 self-identified problem gamers, and 80 self-identified normal gamers. A criterion validity check found that problem gamers scored significantly higher on a test of problem video gaming symptoms (i.e., PVGT) at baseline than normal gamers. [...]

Both groups experienced a significant decline in problem gaming symptoms over an 18-month period, controlling for age, gaming activity, and psychopathological symptoms.

In other words, the self-identified problem gamers at the beginning of the study significantly reduced their problem gaming behavior 18 months later. So much so, they looked just like the ?normal? gamers at the end of the study ? their video gaming addiction had simply disappeared.

Previous research has found that problem gaming as a teen is the strongest predictor of future problem gaming as an adult. The current study, however, didn?t look at teens ? only adults.

Nonetheless, the researchers have some theories as to why they saw problem video gaming disappear:

An explanation for this general decline in problem gaming symptoms in both groups is not readily apparent based on these data although the concept of maturing out over time is well established in the addiction literature. Inspection of problem gaming trajectories may suggest that a spontaneous recovery effect occurred among all gamers, as has been observed in studies that have monitored problem gamblers not receiving treatment.

It may be that problem gaming symptoms at baseline generally represented the most severe stage of respondents? problem gaming habit, at which point problem symptoms remitted naturally over the course of the study.

The new study suggests that for most adults, video game addiction may very well resolve itself on its own over time.

If you can?t wait (or your relationship or work or studies can?t wait) for this possibility, it never hurts to see a mental health professional for a problem like this. A therapist can still help with problems of this nature, even if it?s not a formal diagnosis.

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Reference

King, D.L., Delfabbro, P.H., & Griffiths, M.D. (2012). Trajectories of Problem Video Gaming Among Adult Regular Gamers: An 18-Month Longitudinal Study. Cyberpsychology, Behavior, and Social Networking. -Not available-, ahead of print. doi:10.1089/cyber.2012.0062.

John Grohol, PsyDDr. John Grohol is the CEO and founder of Psych Central. He is an author, researcher and expert in mental health online, and has been writing about online behavior, mental health and psychology issues -- as well as the intersection of technology and human behavior -- since 1992. Dr. Grohol sits on the editorial board of the journal Cyberpsychology, Behavior and Social Networking and is a founding board member and treasurer of the Society for Participatory Medicine.

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APA Reference
Grohol, J. (2012). Does Video Game Addiction Fix Itself?. Psych Central. Retrieved on October 28, 2012, from http://psychcentral.com/blog/archives/2012/10/27/does-video-game-addiction-fix-itself/

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Source: http://psychcentral.com/blog/archives/2012/10/27/does-video-game-addiction-fix-itself/

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MAN SE to halt truck production for 4 weeks: sources

BERLIN (Reuters) - MAN SE plans to halt production of heavy-duty vehicles for four weeks at two German factories as the economic downturn curbs demand from freight transporters and construction firms, company sources said.

Stoppages at MAN will affect about 15,000 workers and initially be limited to five days starting on Monday, paralyzing headquarters in Munich and another plant in Salzgitter, the two sources said on Saturday on condition they not be identified because the matter is confidential.

Truck production will be suspended again between Dec 24 and Jan 11, the sources said, confirming an article by Sueddeutsche Zeitung which reported the stoppages earlier on Saturday.

A spokesman for MAN only confirmed the steps planned for next week, saying the company may announce more details when it publishes third-quarter earnings next Tuesday. He also confirmed that MAN plans to scale down administrative operations at its main truck and bus division from Monday.

Sources said MAN, which is owned by Volkswagen , may also limit truck production in Munich and Salzgitter to four days per week in November, though a decision hasn't been taken yet. Planned cutbacks have all been coordinated with the company's works council, they said.

MAN has said that its third-quarter group orders were lower than the second-quarter intake as the downturn in business exceeded normal seasonal patterns. MAN also makes diesel engines and turbo machinery.

The truckmaker may report that its third-quarter underlying earnings slumped 38 percent to 199 million euros ($257.34 million), a Reuters poll showed.

Registrations of new heavy trucks weighing 16 metric tons or more tumbled 14.8 percent to 18,529 vehicles across the European Union in September, extending the year-to-date drop to 7.7 percent, the European car makers' lobby (ACEA) said last Friday.

(Reporting By Andreas Cremer; Editing by Helen Massy-Beresford)

Source: http://news.yahoo.com/man-se-halt-truck-production-4-weeks-sources-143407387--finance.html

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Sunday, October 28, 2012

Video: Worse than Irene? Don?t say it



>> there are also evacuations for low-lying areas along the connecticut coast. katie turr is on the beach in fairfield for us tonight. katie, good evening.

>> reporter: and lester, the wind has been picking up pretty steadily off long island sound all evening. no rain as of yet has, expected until tomorrow. people here in fairfield are hearing take heed, they are -- not to mention the hundreds of thousands in this state who are without power for days on end. yes, there are mandatory evacuations here in fairfield and other low lying coastal areas but people said they would have left anyway. they could not stay here any longer. the mayor has mandatory evacuation for fairfield and along the coast. and lester, they are hoping here that they're only having to prepare for the worst not having to repair because of it. the good news is that people are heeding those mandatory evacuation orders.

Source: http://video.msnbc.msn.com/nightly-news/49590375/

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Attractive website types for business promotion | Traffic Secrets

Internet is a giant marine with an infinite degree that caters just about every human perception, details, figures, news as well as predictions. This healthy and humongous water caters all the above mentioned aspects through their various segmentations which we all know as websites, internet sites, portals etc. cms website design is the largest segmentation on the web which engulfs in it a complete global world and it?s a place where you can market your business whether it concerns provision of products or rendering of providers. As there are millions of internet sites that are providing end users with information, website designer services and activity, you need a website of which stands out among them and attracts these people, otherwise your name will likely be lost in this competing market of infinity. If you?re running a concern that provides online services, your current fortunes will mostly depend on the online presence of your website which calls for high user targeted traffic. The need of an attractive and efficient website calls for an effective and reasonably priced web site design services.

An effective SEO does help inside bringing visitors to a website, but it is the website style and design and its quality which helps in retaining these kinds of users. What are the characteristics that constitute this sort of services is a query of fact which can be answered with reference to a website owner?s demands, price range requirement, and dynamics of web companies with special mention of the domain as well as mentality of the potential visitors. Hiring a skilled concern for developing your website is the best way to go. There are a large number of issues which are providing this sort of services but most of them are not competent to cause you to stand out and you could consider looking into various factors before hiring one on your website. affordable web site designs does not in any respect mean low quality companies as you can achieve a beautiful website without spending a lot on it. A reasonable analysis will help you out and about for this purpose as you need to go through the profile of several concerns providing developing services and compare their quantitative and design a web site features such as prices, servicing services, online accessibility, experience, and market repute and so on.

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Source: http://traffic-secrets.org/attractive-website-types-for-business-promotion

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jaquelyn alkali: quasi sukey: Top 7 Tips to Preparing Your Business ...

Preparation when selling your business is hugely vital and should be considered well in advance to placing your business on the market. I have prepared a simple guide with the top 7 tips to aid you get your business ready for sale. I hope you find it helpful.
Tags: | inspiration | alternative medicine | liberal |

Source: http://economicnews.wikiaspace.com/2012/10/24/top-7-tips-to-preparing-your-business-for-sale/

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State and Local Building Codes May NOW Govern Occupancy in ...

I spent the last 3 days at the VAR Property Management Coalition Conference and one of the DISCOURAGING topics that was discussed was by attorney Chip Dicks who is representing 2 property owners who have had fair housing complaints filed against them when they were only following the Keating Memo of the late 90s.

The Keating memo is a HUD document that has been the guideline for occupancy standards where fair housing agencies have gotten occupancy complaints. ?2 persons per bedroom has been the guideline for almost 15 years.

http://www.fairhousingrights.org/Resources/HUD_Guidance/keating_memo.PDF

A VA fair housing agency * HOME * Housing Opportunity Made Equal * has filed complaints based on the # of occupants per bedroom indicating that the Keating memo should be IGNORED and that the VIRGINIA Building Codes should rule and in Virginia, the building code says 1 person per 50 square feet.

Many states have a substantial equivalency requirement in their fair housing efforts meaning that they follow the HUD/Federal guidelines UNLESS they have additional protected classes or regulations governing their state fair housing act.

These 2 fair housing complaints are 1) outside the guidelines of the Keating memo; and 2) could have dire consequences for the state's rental housing industry if these owners are found to be in violation and the housing code guidelines become the NEW guidelines.

?

...so if you don't know your local or state housing code, you might want to double check on their suggestion for the square footage per person and be aware of the potential for this as the basis of a fair housing complaint.

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Wallace S. Gibson, CPM * GIBSON MANAGEMENT GROUP, Ltd.

Central Virginia

View our available Charlottesville, Albemarle and Lake Monticello rental homes online with photos and floor plans


"...to be a Virginian, either by Birth, Marriage, Adoption, or even on one's Mother's side, is an Introduction to any State in the Union, a Passport to any Foreign Country, and a Benediction from the Almighty God...." Anonymous

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Source: http://activerain.com/blogsview/3493763/state-and-local-building-codes-may-now-govern-occupancy-in-rental-properties

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Finnish And then The german language Translation company And ...


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Source: http://www.autoayudablog.com/blog/attraction/finnish-and-then-the-german-language-translation-company-and-normal-companies-important-around-the-world

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Panetta urges Congress to act on sequestration during lame duck ...

Congress should act quickly to avoid sequestration when it returns in November after the election, Secretary of Defense Leon Panetta told reporters yesterday.?

Panetta said ?Congress is on the clock? because there are only 70 days left until sequestration goes into effect on January 2, 2013.? The Secretary and other senior DoD civilian and military leaders have consistently warned of the ?devastating? effects the across-the-board cuts required by sequestration would have on defense capabilities.?

Deputy Secretary Ashton Carter told a congressional committee in August that the more than $50 billion cut required in FY2013 would disrupt DoD?s investment programs, lower flying and steaming hours, reduce readiness levels, and cause a civilian hiring freeze and potential unpaid furloughs.? DoD Comptroller Bob Hale testified last month that the $490 billion cuts required under sequestration over the next nine years would double the reductions required by the Budget Control Act and already included in DOD?s budget plans ($487 billion).?

Most in Congress acknowledge sequestration is a bad idea that needs to be avoided.? There are signs that some are getting serious about acting to avert or at least mitigate sequestration before January 2, 2013.? A bipartisan group of senators has been pressing for a proposal to avoid sequestration.? Other senators and members of Congress have been discussing possible legislative alternatives.? In addition, the business community is becoming more vocal in expressing its concern about the economic effects of sequestration in conjunction with the prospect of the Bush tax cuts expiring at the end of the year (the so-called fiscal cliff).

The possible actions seem to range from delaying the implementation date to allow the new congress time to act to replacing the existing requirement for a spending cut 50-50 (defense-non defense) split in FY2013 with a split that reduces the defense cut.? Others have proposed delaying the January 2 date combined with a ?down payment? cut of less than $109 billion in FY2013 and something other than a 50-50 split.? There is also some talk of trying to resurrect the ?grand bargain? idea that would meet the sequestration reductions with a broad plan that involves revenues, expenditures, and entitlement spending.

Congress has been frustrated by the administration?s seeming reluctance to state exactly how the cuts would be implemented.? When asked if OMB had given DoD a timeline for planning for sequestration, Panetta responded that DOD had not yet gotten such guidance from OMB.? He said he is still hoping that Congress will act and ?sequestration won?t happen.?

Panetta also told reporters he also hoped Congress would act on other high-priority defense issues.? He wants Congress to pass the FY2013 Defense Authorization bill during the lame duck session.? Panetta would like to see Congress also pass the FY2013 DoD Appropriations bill, but said ?in the very least we do need a defense authorization bill so that we can continue to implement our new defense strategy.?

He also urged Congress to pass a cybersecurity bill in the lame duck session.? ?We really do need strong cybersecurity legislation to ensure that we can help defend the nation against a cyber attack,? he stressed.

Finally, the Secretary pressed for Senate confirmation of General John Allen to be Supreme Allied Commander Europe (SACEUR)?and Commander of U.S. Europe Command and General Joseph Dunford to be Commander of the International Security Assistance Force (ISAF) in Afghanistan.? The president sent these nominations to the Hill earlier this month.

Source: http://www.asmconline.org/2012/10/panetta-urges-congress-to-act-on-sequestration-during-lame-duck-session/

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Saturday, October 27, 2012

Live Review: The Sea and Cake | Triangle Arts and Entertainment

The Sea and Cake played at Cat?s Cradle last night to a modest crowd of loyal fans.? The Chicago-based indie-rock group has made ten albums since the mid-1990s and performed with comfortable ease, despite a bassist fill-in for Eric Claridge.? Their 2012 LP Runner evolved from guitarist/vocalist Sam Prekop?s experiments with synthesizer and sequencer sounds.? Eventually the ideas developed into finished songs as the band members collectively rearranged and built upon the electronic foundations.

The electronic influence was evident in the beginning of the set in the starry synth base layer of ?Harps.? ??The combination of Archer Prewitt?s soaring guitar notes, Prekop?s soft vocals, and a mid-tempo beat from John McEntire created a dreamy soundscape.? Melancholy, relaxed vibes ruled much of the night with other new songs from Runner including ?New Patterns? and ?A Mere.?

Picking up the tempo with guitar-driven numbers such as ?Pacific? energized the crowd.? Towards the end of the night, ?Leeora? from their 1995 album The Biz excited the long-time fans.? A short jazzy jam session gave a nod toward their Chicago roots and featured the talented drummer McEntire.

The veteran members of The Sea and Cake brought a variety of some of their best work. Their ability to create both reserved, mellow sounds with almost inaudible lyrics to unsubtle rock with catchy hooks and heartfelt shouts underlined their unique niche in the indie music world.

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Rating: 0.0/5 (0 votes cast)

Source: http://triangleartsandentertainment.org/2012/10/live-review-the-sea-and-cake/

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Video: East Coast residents prep for Sandy?s wrath



>>> tonight, millions of americans are heeding the warnings which are becoming increasingly dire as the storm approaches. long lines at stores up and down the coast, west to ohio. ron allen has that end of the story for us from point pleasant beach, new jersey, tonight. kbeeng to you.

>> reporter: good evening, lester. the ocean is a hundred yards in that direction which is pretty close to the town over here, the businesses, boardwalk and the homes. that's why there will be a mandatory evacuation tomorrow afternoon at 4:00 p.m . today was the day to scramble around to be prepared. there is every indication that further inland most people are heeding the warning that the storm could be something extraordinary. they are used to taking on mother nature along the jersey shore where they rolled out the heavy equipment, trying to protect towns from the sea in what forecasters say could be storm surges up to eight feet high.

>> because it's so unpredictable, i think we don't know what's going to happen. we are just going to prepare for the worst.

>> reporter: the problem is it is just 300 to 400 yards wide at the narrowest point. so they are boarding up and cleaning up everything that's not nailed or tied down.

>> i don't think the house will be washed away. i think the front yard will probably be gone.

>> i don't want to take a chance.

>> reporter: getting prepared from north carolina up to new england for a storm expected to be bigger and last longer than irene which ripped through the same densely populated corridor last year causing billions in damage and leaving millions without power. today it took a long time to get gas in connecticut and find supplies at the supermarket as governors urged residents to take this storm seriously.

>> let me just be real clear on this at the end. we should not under estimate the impact of this storm. we should not assume the predictions will be wrong.

>> folks, this could be bad -- really bad.

>> reporter: at the naval station in norfolk, virginia, it was all hands on deck. for now the ships are staying in port. at this marina in new jersey, started taking boats out of the water at the crack of dawn.

>> just getting as many as we can. don't want to turn any down and leave them in the water.

>> reporter: meanwhile, everyone watch it is forecast. in new york city , as early as tomorrow morning officials will decide whether to shut down the subways, tunnels and bridges. near philadelphia, concern about six oil refineries, 7% of the nation's capacity. in atlantic city , the casinos will be shut down tomorrow and the list of cities and towns calling for evacuations will likely grow. but some still plan to stay.

>> we have been able to get through all of the storms without any problem. we just anticipate that we'll be able to do the same thing now.

>> reporter: to give you an idea of the scale of things, if the storm turns out to be as bad as predicted, the ocean, the water here along this entire beach, mile after mile in each direction and six blocks in that direction will be several feet deep. lester?

>> ron allen on the jersey shore for us this evening.

Source: http://video.msnbc.msn.com/nightly-news/49582119/

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Using a generator for hurricane Sandy? Here are four safety tips.

Generators are flying off the shelves as people prepare for hurricane Sandy. Before you fire up the backup generator, there are a few safety tips to keep in mind.

By David J. Unger,?Contributor / October 27, 2012

Hurricane Sandy is captured by the Suomi NPP satellite on Friday in this detailed infrared image courtesy of NOAA. If you're planning to use a generator in the event you lose power, there are some safety tips to keep in mind.

NOAA Environmental Visualization Laboratory/Reuters/Handout

Enlarge

The anticipation surrounding hurricane Sandy is quickly swelling to proportions on a scale with, well, Frankenstorm.

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As the storm nears, many may consider investing in a backup generator, as weather analysts forecast prolonged, widespread power outages.

The run on backup power sources has already begun.

As of Friday afternoon, generators made up eight of the 10 items in the home and kitchen category of Amazon.com's Movers and Shakers List ? a ranking of the online retailer's best selling items over the past 24 hours. The?DuroMax Elite MX1500 Gas Powered Portable Generator jumped from?13,478 to?78 on the site's overall best selling items, a?17,179 percent increase.?

Innovation in the Midwest ? A Self-Improvement Guide - teaomvig's ...

Member Insights by Cathleen Hare, Plante Moran Partner, Columbus Office

Finding ways to sustain and grow a business is a challenge at the best of times, and it becomes even more challenging during difficult economic times such as the recent downturn. To push an organization beyond a survivor?s mindset to one that promotes growth and change requires innovation. Most importantly, organizations that innovate successfully can reap significant benefits. That?s according to a survey of public and private sector companies in the Midwest including a number of members from our Chamber.

The findings can be found in Plante Moran?s second annual Innovation Quotient (IQ) survey that, with the help of business educators of NewNorth Center, assessed more than 500 innovators from business, non-profit, health care and public sector organizations.

The survey identifies four tiers of innovators ? accidental innovators, disciplined innovators, top innovators and superstar innovators ? and demonstrates how organizations that move up the innovation ladder can improve their financial results. The innovation superstars have innovation in their DNA:? Their organizations look beyond the next horizon and make a deliberate choice to build and nurture innovation.

On average, survey respondents said they generated 16 percent of their revenue from new products or services introduced in the last three years. However the elite tier of superstar innovators was shown to adopt deliberate innovation practices that included budgeting for innovation to meet strat?egy goals and publicly rewarding ideas that emerge. This select group innovates in all methods and was rewarded by products/services introduced in the last three years that accounted for 23.3 percent of their revenue.

Those who achieve superstar status have innovation-hungry cultures we can all learn from, but a strategy is needed that includes the following tactics:

  • Establish clear and measurable expectations
  • Monitor progress on those expectations
  • Alter the plan when necessary
  • Abandon when not generating results

Innovation is a long-term investment and it takes leadership from the top down. A participant from the health care industry put it best when he said ? ?With or without legislation, we should continue to look for innovations and efficiencies in health care because it is the right thing to do.?

To see the complete survey results, click here. Thank you to those members who participated in the survey this year, and we look forward to continuing the innovation conversation with all of you next year.

Source: http://blog.columbus.org/chamber/2012/10/innovation-in-the-midwest-a-self-improvement-guide.html

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Source: http://teaomvig.posterous.com/innovation-in-the-midwest-a-self-improvement

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Friday, October 26, 2012

How To Get A Deal On A Commercial Property | Overseas Property

Commercial real estate investing is quite a bit different than residential or other types of real estate purchases. The article below details some tips you should keep in mind when shopping for commercial real estate.

Prior to selling commercial property, have it inspected first by a professional. Any problems or necessary repair identified by a professional inspector should be addressed and fixed as soon as possible.

Remember that buying a commercial property and everything that goes along with it can take a lot of time. Hunting for the opportune property will take time and effort, and even after you have purchased it, upgrades and reconditioning might be necessary. You should know what to expect and not give up. You will be rewarded later.

Commercial Real Estate

When considering commercial real estate, you should think about the importance of honing relationships with private investors. For example, commercial real estate commonly sells without being listed. However, the larger your network, the greater your savvy, and the more likely you are to be informed about outstanding opportunities.

The location of your commercial property is key to its value and its potential suitability for what you have in mind. Neighborhood is important, even when you are looking at commercial property. Compare this neighborhood to the growth of other similar areas. By calculating growth in similar areas, you will be able to ascertain whether the piece of property you are looking at is going to continue growing.

Dual Agency

Read the disclosures of the real estate agent you are planning to hire. Try to beware of dual agency. In this case, the real estate agency represents both sides of the transaction. In other words, an agency simultaneously provides services to both the landlord and tenant. Dual agency should be disclosed and both parties should agree to it.

Make sure that any property you?re considering purchasing has access to all the utilities you?ll need. Your business may have unique utility needs, but at the very least, you probably require hookups for electric, sewer, water and most likely, gas.

Before you choose your real estate broker, find out how they negotiate. Inquire about their training and experience. Choose a broker who only uses ethical methods and can help you to get only the best deals. Have them provide you with examples of negotiations they?ve engaged in previously, both good and bad.

Real Estate

Hire a qualified commercial real estate attorney to avoid legal problems later. Because real estate investing is full of unexpected pitfalls and setbacks, you need a savvy professional to cover your legal liabilities.

Before purchasing any property, you should investigate its area to determine the average income level, unemployment rate and whether or not that area is growing. Properties near hospitals, universities or other centers of large numbers of employees tend to sell faster and at higher-than-average values.

This is necessary in order to confirm that the terms reflect the rent roll as well as the property?s documentation. If these key terms aren?t reviewed by you, you might identify a term left unconsidered by the rent roll, meaning the pro forma gets changed.

As you are now aware, a number of factors must bear consideration in your commercial property hunt. Hopefully after reading this article, you have learned everything you need to know about commercial real estate.

Source: http://www.davidstanleyredfern.com/early-pension-release/how-to-get-a-deal-on-a-commercial-property

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PFT: Jennings to have surgery; Nelson misses practice

New York Jets v New England PatriotsGetty Images

Jets backup quarterback Tim Tebow sat down for a one-on-one interview with Manish Mehta of the New York Daily News, and one of the first things he mentioned was: ?We?ve had a history here of people talking too much. You just don?t want to do that.?

Mission accomplished.

Tebow largely danced around the notion of his frustration at not playing a bigger role, taking the good teammate role while admitting he?d prefer to do more.

?I don?t know if that?s not being a team guy,? Tebow said. ?I think that I try to be open and honest in talking to the media. Obviously try to be honest. But sometimes you don?t have to talk about everything. We?ve had a history here of people talking too much. You just don?t want to do that. Why make it something if it?s not??

Tebow?s squeaky clean image keeps him from appearing bitter and divisive, while clearly wishing he could do more.

?Obviously, I?m a competitor,? he said. ?And you get frustrated with losing. When we win, I?m excited about winning. That way I get the ups and downs of a football season. But I also know that it?s never as good as it seems, it?s never as bad as seems. You always have to stay focused because you never know for me.

?My role, it could expand. So you just got to always be ready.?

Asked if it was fair to starter Mark Sanchez to have such a popular player as the backup, Tebow replied: ?I feel like one of the reasons they brought me here was to help make him better by being someone that could come in and convert some first downs, make some plays, do different things. So, hopefully our being together will benefit both of us.?

Mehta joked with Tebow about running for public office, and he probably should. Because his ability to take potentially controversial topics and make them innocuous is as impressive as anything he?s done on the field as a Jet.

Source: http://profootballtalk.nbcsports.com/2012/10/25/jennings-having-surgery-nelson-out-with-hamstring-for-packers/related

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Automobile Insurance Rates Can You Lower Them?with me ...

Auto insurance rates are prohibitive today. Several households really struggle to pay the automobile insurance bill each and every month. And auto insurance coverage rates vary all the time. So if automobile insurance coverage price is an concern for you, what can you do about it?

The car insurance market is a massive sector. It is also a extremely competitive 1, and vehicle insurance coverage rates vary over time as car insurance firms compete for organization. Auto insurance rates are frequently very fluid.

It is entirely possible to lower the expense of your auto insurance rates by altering your behaviour, and you can do this by possessing a better understanding of how the rates are assessed.

Vehicle insurance coverage rates are based on an assessment of risk. While insurance companies vary their rates to compete with other insurance coverage organizations, they also differ their rates based on their assessment of the risk posed by a distinct driver driving a particular auto. They do this because there is no point in buying company with low car insurance coverage rates and then insuring high risk drivers at these rates. This is a recipe for losing funds.

So, if you lower your threat, you lower your auto insurance. How do you

lower your threat? Well theres a number of techniques that your own driving and automobile behaviour can impact your automobile insurance rates.
auto insurance quote
Have a appear at the vehicle you drive. Is it suitable for your present needs? If not then would it be worthwhile to think about a change?

Various vehicles attract different auto insurance rates. Sports automobiles, high powered cars and vehicles at better risk of theft attract larger rates. How lengthy have you had your automobile and would it be smart to feel about an additional one that would be less expensive to insure and more useful to you? auto insurance quote

Are you a protected driver? Do you stick to the speed limit? Are you at risk of other driving offences? Many individuals do not feel about some of the consequences of speeding tickets and driving offences till after they have observed their subsequent automobile insurance coverage bill.

Your threat profile is a direct outcome of your driving record. A clean driving record and you will be rewarded by less expensive rates. A poor driving record and you will be penalised, usually for quite a while.

Are you prepared to attend driver coaching courses? A lot of car insurance coverage organizations provide certain discounts for drivers who have attended a program. Why? Lower threat.

Are you prepared to drive less? Could you car pool or use public transport to get to function? Auto insurance firms look at the amount of driving their clients do when assessing their automobile insurance coverage rates. Why? Lower threat. Less miles driven equals much less risk. And youll save on other car charges also.
automobile insurance
So if auto insurance expenses are an issue for you and your loved ones there are issues you can do. These are just a few of those things, there are a lot of more. Vehicle insurance coverage rates are not set in stone.

Source: http://cannabismrsacure.letstalkaboutpot.com/automobile-insurance-rates-can-you-lower-themwith-me/

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Destiny Of Love

Destiny Of Love

Have You ever wounder what it is like to fall in love with a Vampire?

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Game Masters:

This topic is an Out Of Character part of the roleplay, ?Destiny Of Love?. Anything posted here will also show up there.

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Forum for completely Out of Character (OOC) discussion, based around whatever is happening In Character (IC). Discuss plans, storylines, and events; Recruit for your roleplaying game, or find a GM for your playergroup.
This is the auto-generated OOC topic for the roleplay "Destiny Of Love"

You may edit this first post as you see fit.

User avatar
Katheryn_Love
Member for 0 years



Ill gladly take the slayer please

User avatar
ceh12
Member for 0 years


Okay, i will resever The slayer for you. Make him on your own time. No rush.

User avatar
Katheryn_Love
Member for 0 years


Okay Ill probably have him up either today or tommorrow

User avatar
ceh12
Member for 0 years


Okay, i will accept when i see that you have made the charater. :D

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Katheryn_Love
Member for 0 years



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"Rear Window" aiming for Broadway from makers of "Ladder 49"

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Colo. wildfire forces nearly 400 to evacuate

By Miguel Llanos, NBC News

Some 380 evacuated residents of an area west of Pueblo, Colo., were watching fearfully as a wildfire that has already burned at least 12 structures grew quickly overnight.

The fire broke out Tuesday afternoon one mile west of Wetmore, Colo., and by Wednesday morning had burned through more than 1,700 acres.?

Winds Tuesday night topped 50 mph, NBC station KUSA-TV in Denver reported, and the forecast for Wednesday called for continued strong winds.


"It's going to be a really challenging day," Steve Segin of the Rocky Mountain Area Coordination Center told KUSA.

Bryan Kelsen / The Chieftain via AP

Smoke billows from a wildfire near Wetmore, Colo., on Tuesday.

Windy conditions could undermine plans to deploy aircraft to help firefighters on the ground.

On Tuesday, around 100 firefighters were in the area and focused on protecting 25 homes closest to the fire, Pueblo County said in an update.

The residents who fled their homes on Tuesday were either staying with friends or family, or at shelters in nearby Florence and Pueblo.

The fire is zero percent contained, but officials were hoping rain or even snow might move in Wednesday night. The cause of the fire has not been determined.

More content from NBCNews.com:

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Source: http://usnews.nbcnews.com/_news/2012/10/24/14667859-wildfire-forces-380-people-out-of-colorado-town-12-structures-burned?lite

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Thursday, October 11, 2012

UK told electricity reforms must include storage

LONDON (Reuters) - Britain needs to create a market in which electricity storage can make money rather than adding costs to consumers if it is to successfully integrate renewables into the power grid, S&C Electric said on Wednesday.

The call comes after a group of seven multinational companies, including leading wind turbine producers Vestas and Gamesa, told the government on Monday that they could halt their investments in green energy if there was not enough support for renewable energy in the upcoming overhaul of the UK's electricity market.

"There is no recognition of more than one revenue stream - power on/off - at the moment, so there have to be some market changes to accommodate new technologies, such as electricity storage, and offer return of investment," Andrew Jones, Managing Director for Europe, Middle East and Africa of U.S. based S&C Electric told Reuters.

"Storage today isn't recognised as an asset, so there is no return on investment at the moment."

S&C Electrics integrates electricity storage units into the grid for utilities and other large-scale power users.

Renewable power sources such as wind and solar can be intermittent and Jones said electricity storage capacity needs to make up 10 to 15 percent of installed renewable power capacity in order to stabilise the power grid.

The government has launched a wide-reaching Electricity Market Reform Bill (EMR) designed to spur the 110 billion pound investment it says is need to build low-carbon electricity generation like wind farms, to replace aging power plants.

The support is expected to come through so-called contract for differences (CfDs), which amounts to a long-term price contract for the electricity although the government has yet to decide exactly how much these contracts will be worth.

Jones said the company was working with the Department for Energy and Climate Change (DECC) see if CfDs could be used to help pay for its electricity storage solutions.

However, if support is not forthcoming, S&C said it could rethink its UK operations and focus on other emerging markets such as Africa and the Middle East.

"If the UK government gets it wrong there are other markets that will get it right," he said.

(Reporting by Susanna Twidale and Henning Gloystein, editing by William Hardy)

Source: http://news.yahoo.com/uk-told-electricity-reforms-must-storage-111419408--sector.html

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Monday, October 8, 2012

Jos? Antonio Vargas | The Progressive

Jos? Antonio Vargas has had a good couple of months. In June, he helped bring the immigration debate back into the national spotlight with a cover story for Time magazine on the struggles of undocumented youth. Then came the White House?s groundbreaking announcement that deportations of potentially hundreds of thousands of young immigrants would be halted under the ?deferred action? program, which offers many young undocumented immigrants a two-year, renewable authorization to work and study here.

The Filipino-born journalist-turned-activist has now been vaulted to the helm of the immigrant rights movement.

He came to the United States on a tourist visa to see his grandparents in Mountain View, California, when he was twelve and never left. He was unaware of his undocumented status until he tried to get his driver?s license at the local DMV and found out his papers were fake.

He went on to graduate from high school and college, and built an impressive career in journalism, all the while hiding his legal status. He worked at The Washington Post, where he was part of the team that won a Pulitzer Prize in 2008 for its coverage of the Virginia Tech shootings.

?On the surface, I?ve created a good life. I?ve lived the American dream,? he wrote last year in a moving cover article for The New York Times Magazine, where he told his life story and boldly proclaimed he was undocumented.

?Tough as it was, coming out about being gay seemed less daunting than coming out about my legal status,? he wrote in the piece. ?I kept my other secret mostly hidden.?

His journey toward an award-winning career in journalism represents the untapped potential of undocumented youth who are pressing for reforms that would allow them to secure their futures in the country they see as home.

As more stories like Vargas?s come to the surface, other undocumented Americans are increasingly emboldened to speak their own truth. Their collective voice is humanizing the politics of immigration and inspiring a new public conversation on what it means to be American. Vargas is advancing this public debate through his social media campaign, Define American.

Jeff Chang spoke to Vargas at an art exhibit at La Pe?a Cultural Center in Berkeley, California. The event was sponsored by CultureStrike, a grassroots organization of artists, writers, and other creative workers fighting back against anti-immigrant laws and attitudes.

The art exhibit featured the pioneering artist Julio Salgado, one of the many undocumented youth featured in the Time story. Vargas talked about the state of the movement and his personal evolution as an undocumented American. They began the conversation by reflecting on Vargas?s recent appearances on mainstream and rightwing news outlets.

Q: Rightwing pundits try to portray immigrants in two ways: the sympathetic undocumented, and the unsympathetic ?illegal.? How do you deal with that?

Jos? Antonio Vargas: To them, right now, I pass. I?m quote-unquote ?sympathetic.? What would have happened if I were browner? And had an accent? Would I have been able to pass?

Fortunately, we are now, for the first time, in control of the story. The Republicans are losing their minds. They don?t know what to say! They?re passing the thing around like it?s a hot tamale. They don?t know what?s going on.

We?re telling our stories. More and more people are going to be coming out. And more and more people who are supporters are going to be coming out. It?s so important that we?re engaging them in whatever way we can, and insist, by just simply being there, that we are human beings who cannot be denied.

Q: If this is your strategy, how have people been reacting? You?re going into the lions? den every night. Are the lions still peaceful?

Vargas: It?s interesting because in the immigrant rights community, people have said this to me, and have said this to each other: ?What is Jos? Vargas doing? Why is he talking to Lou Dobbs?? I?m talking to Lou Dobbs because Lou Dobbs needs to be talked to. I don?t think he has ever had an undocumented person on for eleven minutes during his show. My strategy was, you get in, and then you figure out how to push. That?s why I?m talking to Lou Dobbs.

I want to try to engage more Republicans. I?ve also been on O?Reilly. Because my target isn?t really Lou Dobbs or Bill O?Reilly, it?s their audiences. Bill O?Reilly reaches four million people a night. That?s more than any other cable show between 7 and 11 o?clock at night. And, he is talking to the people that we usually don?t talk to. They think that all of us crossed the border yesterday and landed outside Home Depot.

We are now at the point in this movement where we have to figure out how to broaden this conversation. How are we sure we?re not just preaching to the choir? How do we make sure that white people and black people feel like this is their issue, too? If we are not doing that, then we are not doing our job.

What?s been fascinating is seeing how the viewers are reacting. I get interesting e-mail. Of course, there?s the crazy ones that just want me to go home, and I?m like, what home? My Mountain View home, or my New York City home?

I got a response from this wonderful man who was like, ?Oh hey, I used to run the Minuteman organization here in Oklahoma City. I never thought about it like that before.? He said, ?Would you want to come to Oklahoma City? Let?s do a town hall meeting. Can you invite all your friends?? So we?ll just do a talk, a Define American talk, on immigration in the middle of Oklahoma City.

There have been people who have been seriously just craving information. That?s why I was so happy about the Time magazine article, because there was an entire section in the article that actually talks about the process of legalizing immigration status.

Q: The media always wants to have a central figure. How do you deal with that, on a personal level: the fact that you see yourself as one person in this large movement, yet you?re the person now who?s going on all these shows.

Vargas: I?m a journalist, so I?m used to being the one interviewing people. I?m not used to being in this role. That?s very new for me, to be the one they want to talk to. In the beginning, it was very uncomfortable, and especially knowing that other people, such as immigrant rights activist Gaby Pacheco, have been doing this for so long. And then I just showed up. All of a sudden, I?m taking more spotlight than they are.

Sometimes when I see them, I actually apologize. I?m just like, ?I?m so sorry.? So that?s why I?m doing as much as I can to stay in my lane, to not claim credit for something I don?t deserve, to make sure that I realize always that I am just one of hundreds of thousands of people.

It is so important that we support each other?even though we don?t agree on our tactics?and realize we are in the same fight. That?s really all I can do.

Q: We just had this executive order, and we?ve got all these grassroots movements happening. Where do we go from here?

Vargas: For me, what?s fascinating is that there?s a new normal in the way we?re talking about immigration in this country. After the Obama Administration?s order to halt deportations of undocumented youth, the following Monday, Bloomberg had a poll: 66 percent of independents agreed with the President?s decision. The Republicans are freaking out. Because they know they can?t just go on television and say, ?That was wrong.? This is why Romney still has not been able to answer the most basic question.

So now I think, how do we keep this pressure on? How do we strategize in terms of making sure we are building the right kind of coalitions? The proudest thing about this is the [headline on the Time magazine cover]: ?We are Americans.? Because we are.

And so for me, as someone who is a storyteller, that?s what I am most interested in for the movement. I?m going to try to do what I can do. You know, we only have one group, Define American. And we?re going to be partnering up with CultureStrike as much as we can to figure out how we can bring artists, pop culture into things.

I?m going to L.A. to do a show-runner panel; it?s when you invite writers from TV shows and movies and producers and screenwriters, and ask them how they can write about immigration on their shows. How do we integrate this? Can you imagine having an undocumented character on Glee? That?s my goal. That, to me, would be a big win.

Q: How have you been dealing with this on a personal level?

Vargas: [The night Obama issued the ?deferred action? order halting deportations], I got a call around midnight, from one of the big advocacy people: ?Jos?, I have good news and bad news, which one do you want first?? And I?m like, ?Good news!? ?Obama has ordered deferred action, for about 800,000 to 1.4 million people. The bad news: You?re too old? [referring to the policy?s arbitrarily set thirty-year age limit?Vargas is thirty-one].

And I?m not going to lie to you, I was really fucking mad. I think I started punching the wall. Do they understand that they?re fucking around with people?s lives? I was really angry with that. And because I was thinking of my grandmother, who, of course, the next day asked, ?Why aren?t you included??

And then I remember, this magazine was already out, and I have a bunch of copies in my apartment. I?m looking at Time, and thirty-two out of the thirty-six [young immigrants featured on the cover] qualify.

There?s Caesar, who graduated magna cum laude from law school.

There?s somebody with chemical engineering.

There?s Julio.

How could you not be happy? America just embraced a million new dreams.

I got so many messages from the Dreamers I know that were like Jos?, dude, don?t worry, we?ll take care of you. That was amazing.

How could I not be happy?

But for me, personally, it?s been nineteen years since I haven?t seen my mom. And when people have been asking me what I am most scared of, I?m probably most scared of that. Because I don?t know what?s going to happen when I see her.

I just want to be able to face her.

I just want to be able to live.

Jeff Chang is an award-winning journalist who lives in Berkeley, California. He is one of the coordinators of CultureStrike, an organization that uses art and culture to advance the movement for immigrants? rights. His next book, ?Who We Be: The Colorization of America,? a look at the controversies of the culture wars of the post-civil rights era, is forthcoming. A version of this interview, edited by Michelle Chen, originally appeared at culturestrike.net/vargas-a-million-new-dreams.

Source: http://www.progressive.org/jose-antonio-vargas-interview

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