Wednesday, February 29, 2012

Internet Dating Tips and Advice | N-S-A

A safe infant boomer dating knowledge is often particularly difficult, even on-line! For countless mature individuals who have skilled a important life occasion or located themselves in the dating pool once they least expected it. Dating for older many people isn?t the same as for younger many people and entering the dating scene requires the individual to possess a clear notion of what they anticipate from their dating knowledge for it to be enjoyable and life fulfilling.

Some individuals begin dating soon after online dating they have skilled a loss since there is a void in their lives that they would like to fill. Others are implemented to getting an individual go with them to events or activities and wish to acquire a companion which will be their activity partner. Deciding on the type of relationship you?d like will aid inside your on-line dating knowledge.

For an older individual, dating isn?t so a lot about obtaining to the ?next base? as it is obtaining the level you?re comfy with and enjoying it. For most of us that implies spending time with an individual with whom you share interests and enjoying companionship for activities.

When many people get older a long term relationship becomes less the concentrate than for the younger generation. A large number of infant boomers have spent their lives caring for others and once they enter the dating scene, they are not looking for a long term relationship. A large number of infant boomers are comfy with all the habits they have formed as well as a seriously superior date ends using a bowl of ice cream and our favored book using a cat in their laps. Staying ?up? will not be on the list of priorities for them.

Thinking that a person you will meet on a safe infant boomer dating internet site is going to be perfect and have no baggage isn?t realistic. Some individuals begin collecting emotional baggage from the time they are particularly young. By the time they reach senior dating, they have adequate baggage to fill a warehouse. Locating the best individual for you personally does not mean that they?ll not have baggage or problems that they are working by means of. When you do meet a mature individual with out baggage, this perhaps a warning!

Meeting prospective dates on on-line is actually a lot a lot more enjoyable and less traumatic when we are enjoying activities using a group. Getting involved with groups that enjoy the same interests and activities is a good approach to make friends and meet dates. A large number of many people acquire that they are in a position to establish some solid dating relationships once they meet many people in this way since there is less pretension and absolutely everyone is in the location since they genuinely enjoy the activity.

There are several website pages that offer services for on-line dating. When picking an internet dating internet site it is important which you follow the same rules which you tell your friends and young children to follow. Check the internet site out completely to generate certain it?s trustworthy; never give private details to strangers. An individual you chat with on-line is actually a stranger; don?t give private details to them. Possibly use an anonymous phone service to chat via your mobile. When you determine to meet an individual from the service, strategy a neutral place for coffee. This can offer you the opportunity to get to understand them and see if you would like to meet at a restaurant for a second date at a later time. Most importantly watch for red flags. If a person is supposed to be wealthy, wise, and terrific looking, they ought to be capable of spend for their own coffee!

To acquire yourself register for a senior dating service, search for a safe infant boomer dating internet site online. There?s joy for all many people meeting new friends and beginning new relationships, so what are you waiting for?

Source: http://www.nsastlouis.org/4066/internet-dating-tips-and-advice/

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Chinese court hears Apple appeal on iPad trademark

A customer tries out Apple's iPad 2 at a retail shop in Chongqing, China, Monday, Feb. 27, 2012. The Taiwan-based maker Proview Electronics said Monday it is now seeking to regain worldwide rights to the iPad name and is suing Apple Inc. for alleged fraud and unfair competition. (AP Photo)

A customer tries out Apple's iPad 2 at a retail shop in Chongqing, China, Monday, Feb. 27, 2012. The Taiwan-based maker Proview Electronics said Monday it is now seeking to regain worldwide rights to the iPad name and is suing Apple Inc. for alleged fraud and unfair competition. (AP Photo)

(AP) ? A Chinese court on Wednesday began hearing Apple's appeal of a ruling against its right to use the iPad trademark in China.

Apple Inc. is in several legal battles with Proview Electronics Co., which the U.S. company says sold it the rights to the iPad trademark in 10 different countries, including China, in 2009. Apple contends that Proview has refused to honor the agreement and has not indicated any willingness to settle with Proview, a maker of computer monitors and LED lights.

Walking into the Guangdong High Court in the southern Chinese city of Guangzhou on Wednesday, lawyers for Proview expressed confidence, but also indicated the company remained open to settling with Apple.

"I don't rule out the possibility," Xie Xianghui, a lawyer representing Shenzhen Proview Technology, the company's main Chinese subsidiary, told reporters.

On Tuesday, Proview announced it was seeking to regain worldwide rights to the iPad name and is suing Apple Inc. in the U.S. for alleged fraud and unfair competition, hoping to have a 2009 sale of the trademark ruled void. Proview was previously only claiming rights to the iPad name in China.

Apart from having the trademark sale voided, it also is seeking unspecified compensation, a share of Apple's profits from alleged "unfair competition" and an order for Apple to stop using the trademarks.

So far, two lower courts in Guangdong have sided with Proview on the issue, while a Hong Kong court ruled in Apple's favor. Last week, Shanghai's High Court rejected Proview's effort to get Apple to stop selling the popular tablet computer under the iPad name.

Proview, once a major computer monitor manufacturer, launched a device it called iPAD, or Internet Personal Access Device, in 2000 but it was not a market hit. Apple launched its popular iPad tablet in 2010.

Proview contends Apple intentionally misled it when it bought iPad trademarks through a special purpose company called IP Application Development Ltd. that concealed it was acting on Apple's behalf.

Experts in the high-tech field say such tactics are common given the secrecy surrounding new product launches, especially Apple's.

___

AP Business Writer Elaine Kurtenbach contributed from Shanghai. Annie Ho contributed to this story.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/495d344a0d10421e9baa8ee77029cfbd/Article_2012-02-29-AS-China-iPad-Dispute/id-84910b8a612849778856eef0141ac1a6

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James Spader quits The Office: Should the show end, too? (The Week)

[unable to retrieve full-text content]The Week - After the NBC sitcom's newest star bails after a single polarizing season, critics argue that the eight-year-old comedy should just give upThere's another empty desk at The Office. After just one season with the long-running NBC sitcom, James Spader announced that he won't be returning next year. The Emmy-winning Boston Legal actor was meant to replace some of the star wattage lost when Steve Carell exited last year. Since Carell left and Spader joined the series, The Office has been on a ratings slide, posting its worst numbers ever. While critics were divided on how well Spader and his enigmatic character fit into the show, they agree that the series will struggle even more next season, its ninth, without a big name on board. Should The Office just give up?

Source: http://us.rd.yahoo.com/dailynews/rss/oped/*http%3A//news.yahoo.com/s/theweek/20120228/cm_theweek/224939

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Clean up TMI on Twitter before marketers access

5 hrs.

In Twitter's quest to make more money, it may have found a gold mine in your old, public tweets, which could bring a pretty penny to not only the micro-blogging site, but also to the market researchers and other firms that will provide others access to those 140-character missives.

The Twitter firehose, a data feed that gives access to real-time tweets, has been available to partners like Twittervision, Zappos, FriendFeed, and Summize since 2008; and to Yahoo, Google and Microsoft since 2009. Other companies also became partners in early 2010.?Now Twitter has opened up that access to others who pay their licensing fees. ?

(Msnbc.com is a joint venture of Microsoft and NBC Universal.)

Those who have the tendency for TMI tweets had best be braced for marketing intrusions, as those who pay can now search tweets from January 2010 and on. The first company to offer the archive to its clients, the BBC reports, is the appropriately named U.K.-based Datasift.

Before now, companies could only access tweets going back 30 days, while regular folk had only seven days worth of tweets available to them.

Companies like Datasift -- which told the BBC it has a waiting list of 1,000 other firms chomping at the bit to access its service -- stand to make a killing from all those juicy details.?

Datasift's marketing manager told the BBC that "the company takes in roughly 250 million tweets every 24 hours, all of which are analyzed for content -- such as whether they were said in a positive or negative tone. The software will also log location data and social media influence based in part on existing influence monitoring service Klout."

Think about all those seemingly innocuous things you write that a marketing company could build a profile upon: tweets about your alma mater, organizations you support, donations you've made, retweets from all over, people you know, activities you like, and most importantly -- where you spend your disposable income.

Private messages and deleted tweets won't be part of this archive, so if you haven't already deleted the tweets that you wouldn't want others to know about, then perhaps it's time to do that.

Consumers have become very aware of how vulnerable they are -- especially in what information they put out on social network sites. Every time you check into Foursquare and post on Twitter where you are, that's up for grabs -- if you've checked the box in your Twitter settings that allow it to add a location to your tweets. (I don't like anyone knowing where I am until after the fact, so I have never checked this particular box.)

Sure, you might want to save all your tweets as some kind of historical record for yourself. But, if you have any doubts about a tweet and the impact it could have later, then delete it.

On Twitter, follow?Athima Chansanchai, who is also trying to keep her head above water in the?Google+?stream.

Source: http://www.technolog.msnbc.msn.com/technology/technolog/tmi-twitter-marketers-searching-through-your-old-tweets-now-236475

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Xanboni: Star Power

My daughter and I went and saw her student skate in an exhibition for the Starlights Synchro team yesterday. On the way we made all the jokes about Synchro--the girls who can't skate, the less-than-svelte body types, the long dresses, the cult-like devotion to matching polar fleece.

But there's something about Synchro.

First of all, the place was packed. When you've got 7 teams of 16 to 24 people, you do the math. Every time you have an exhibition, you're going to have at least 300 people there, between the parents, and the grandparents, and the siblings and the coaches. You never see singles exhibitions with anything like this kind of turnout.

And no one left.

Okay, we left. We had another obligation that we had to get to.

One of the things that really bothers me with some skating exhibitions, is that parents come, watch their kid, and then they're out the door. There's no sense that it's a team, that one skater should support another. By the end of a singles exhibition at a local program, there will be 14 people in the stands. It's just sad.

These people all stayed. They had each team skate twice, so if you wanted to see your skater, you had to stick around. Further, and more importantly, it's really understood that it's a team. You stay and support your teammates.

Even with the inevitable spills and mishaps, everyone came on and off the ice smiling. They looked like they were having a blast. Someone on the Juvenile team made a joke, and they all burst out laughing, and kept that energy throughout the entire adorable number.

In my opinion, synchronized skating is going to save figure skating in this country. It's going to keep kids in the sport who might otherwise leave--the heavy girls, the non-jumpers,? the ones without the financial resources or access to coaches that might get them to the big show in singles, let along pairs or dance. A lot more universities are starting to support Synchro teams, meaning that these kids don't have to give up their lifelong passion when they go to college anymore.

Now if they would just make it an NCAA sport, so that universities would start offering scholarships (no, there are no "skating scholarships" right now, sorry.)
The Startlights are on their way to Nationals.? Watch them and all the teams live on Ice Network this week February 29? through 3.?

Now where's my team scarf....

Source: http://xan-boni.blogspot.com/2012/02/star-power.html

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Tuesday, February 28, 2012

Motorola announce the Motoluxe and Defy Mini for release in Spain

Android Central

Being the host nation for MWC, it seems only fair that Spain should start to see some new devices heading their way. On the first (official) day of MWC, Motorola have announced that the Motoluxe and the Defy Mini will be released into the Spanish market. 

We first saw the lower end Gingerbread devices back at CES in January. Since then we've already had launch details for the UK and for Italy, and now it's the turn of Spain. 

Availability on carriers is still to follow, but Motorola expect the Motoluxe to be available from April. The Defy Mini will then follow along in May. No word as yet on pricing for the devices either. 

Source: Motorola

More: Hands on with the Motoluxe and Defy Mini



Source: http://feedproxy.google.com/~r/androidcentral/~3/ru5zqZdEJBw/story01.htm

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Multi level marketing Education Basics | Maine Poetry

Multi-ply-place marketing and advertising or Network marketing business is a home based business opportunity during which specific users sponsor newbies in the corporation as down-strains. This way, the bring in or up-series is able to earn an income journey marketing and sales endeavours of their total down-strains. Before you could make money in an MLM business, you are going to primary should try to learn how to advertise your enterprise via Network marketing business instruction.

For the duration of Network marketing business instruction, newbies cash advance loan educated how to market their MLM business when you purchase cell phone or subsciber list qualified prospects. These kinds of databases aspect those who are in search of options for owning their own home-based businesses. These qualified prospects are for sale for obtain on-line, together with via huge subsciber list providers like the Primary Advertising and marketing Association. In the event the fellow member has their qualified prospects, they will specifically get in touch with individuals or mail their prospects post cards. MLM business promoters will also be educated different methods of promoting their companies on-line by making use of search engine optimization positioning.

Network marketing business instruction will most likely involve obtaining the new fotograf slubny wroclaw prerecord messages by using an 800 line. It will make them improve the awareness place of those that get in touch with after having gotten a postcard. Additionally, this allows the unknown caller end their identify and number techniques the marketing expert has the ability to get back to the unknown caller at her or his convenience. Network marketing business corporation promoters are viewed to make for every get in touch with frequently by making use of a telephone program which lets them give a highly effective income click is also very easy to learn to advertise your MLM business via internet websites. To start, all that you should do is actually call the Network marketing business Enterprise that you?ve got registered and ask whether present internet websites for users to use. You can even demand them to put together a web site on your behalf that will aspect name, the category of your small business, number and current email address. It is best to on the other hand note that some Network marketing business father or mother businesses will impose a fee for such providers.

Today, compared with while in the Sixties when Network marketing business marketing and advertising applications started out, additional marketing and sales tools are around for new promoters. Not like ahead of when promoters were required to advertise their Network marketing business applications face-to-face, nowadays they will utilize cultural-social networking internet sites. Is actually modern electronic breakthroughs, a host of additional consumers are taking Network marketing business marketing and advertising option to earn a living.

This entry was posted in Uncategorized and tagged online loan, Payday Loan. Bookmark the permalink.

Source: http://www.mainepoetry.com/multi-level-marketing-education-basics/

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Monday, February 27, 2012

Big Brother Apple?

Blogs

I?m just going to come right out and say it: Mac and iPhone users are safer than Windows and Android users. There it is.

I can sense a tsunami of comments flooding in like never before, so allow me to explain what I mean.

There is vastly less malware (viruses, worms, botnets, etc.) on OS X and iOS than there is on Windows and, more recently, Android. We all acknowledge this. But many of you are saying that that doesn?t mean that Apple?s operating systems are more secure than Windows or Android. True. I didn?t say they?re more secure; I said they?re safer.

What else do you have to knock down that statement? Ah, yes, there?s less malware on OS X than on Windows because there are fewer Mac users than Windows users ? the bad guys simply write their heinous ware for the larger market. To which I say: That may be at least partially true in the case of OS X vs. Windows, but it flies in the face of reason when it comes to iOS vs. Android.

So now you?re saying that the Android Markets are ?free? and ?open? vs. Apple?s heavy-handed curation of its App Store. And now we?re getting to an interesting discussion.

Apple users are safer for many reasons. We can talk about size of the Mac population vs. the Windows population, but I firmly believe the answer is far more complex than that (though I have no doubt that population size plays a role).

Apple?s decision to curate the App Store and the Mac App Store suggests to some that the company has become the Big Brother it once mocked . I don?t buy that. To me, it looks like part of a strategy for keeping its users safer. Another element of that strategy became evident with last week?s announcement of the next version of OS X, Mountain Lion and its Gatekeeper feature .

For all intents and purposes, iOS has had a ?Gatekeeper? implicitly in its inner workings since day one. Now, Apple is bringing that to the Mac as well. What is it? It?s a security subsystem that prevents unauthorised applications from being installed without the user?s explicit permission. In Mountain Lion, those applications can come from the Mac App Store or they can be digitally signed by a registered Mac application developer. Other software ? including malware and viruses ? are forbidden from being installed.

I know what a good portion of Computerworld?s readership has to say about that sort of thing, though: I want more freedom as a user; I need to be able to do whatever I want with my computer. But Apple isn?t doing anything to take away such freedom from the population of technically inclined users. You can continue to do as you please, while the masses of less technically accomplished users get a bit of protection from malware. The power to do whatever you want on your computer is something that the vast majority of users wouldn?t want, seek or even know what to do with. And yet it?s exactly the sort of power we?ve been providing them for years and years in the PC industry.

The fact is that most users will make inappropriate choices when given options on what to install all the time. That happens not because they?re idiots, but because they don?t know the facts and their ramifications. They aren?t armed with the same knowledge that the techies have.

So for most users, Apple?s strategy is brilliant. The app stores for iOS and the Mac provide a curated environment to select a vast array of application software. Gatekeeper prevents unauthorised software from being installed.

That strategy has been working pretty well for Apple on iOS. It?s not perfect ? nothing is. We?ve seen examples of the curation process failing. We?ve seen many examples of ?jail breaking? software that can exploit an underlying software weakness and entirely circumvent the curation process.

But, by and large, the curated app stores have been doing a pretty good job at giving users what they really want: power to run what they need to do and peace of mind in being reasonably safe from the malware and vermin that plague the Windows and Android worlds.

I say kudos to Apple for this. I also say that Apple needs to improve its curation processes and procedures, since it now has a whole lot of eggs in one basket. Mistakes in that one key portion of its process can and will have far-reaching ramifications, after all.

?

Source: http://www.macworld.com.au/blogs/big-brother-apple-45228/

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On Oscar weekend, 'Act of Valor' storms box office

(AP) ? On Oscar weekend, the real-life action stars of "Act of Valor" bested Hollywood's pretend heroes.

The Relativity Media action flick, starring real, active-duty U.S. Navy SEALs, topped the weekend box office, earning $24.7 million according to studio estimates Sunday. That was a strong opening for a unique film made in collaboration with the Navy, which sought to demonstrate the skill and bravery of the SEALs without Hollywood imitation.

"How often can you repeat the same heroes that are big stars pretending to be heroes?" said Kyle Davies, president of worldwide distribution for Relativity. "I think moviegoers are ready for a new, fresh experience."

"Act of Valor" led another strong weekend at the box office, as it was up 24.4 percent over the corresponding weekend last year. Attendance this year is up 20.4 percent, a surge that hasn't been driven by Academy Awards contenders but by new films in a traditionally tepid movie-going season.

"The newcomers this year have just been igniting the box office," said Paul Dergarabedian, box office analyst for Hollywood.com. "It's a very competitive marketplace for both the Oscar contenders and the newcomers."

Lionsgate's "Tyler Perry's Good Deeds," a more dramatic offering for the consistently popular Perry, opened with a healthy $16 million. Its audience was resoundingly female (76 percent) and may have been slightly diminished by the appeal of Denzel Washington in the thriller "Safe House." That earned $11.4 million, bringing its cumulative total to $98.1 million.

The weekend's other new releases ? the thriller "Gone" and the comedy "Wanderlust" ? had weaker debuts. The latter, a comedy with Paul Rudd and Jennifer Aniston, earned $6.6 million. "Gone," starring Amanda Seyfried, took in $5 million.

In their third week of release, Sony's romantic drama "The Vow" and Warner Bros.' family film "Journey 2: The Mysterious Island" padded their totals. "Journey" added $13.5 million for a total of $76.7 million, while" The Vow" added $10 million more for a cumulative $103 million.

The success of "Act of Valor" validated an unusual strategy for Relativity, a production company that began distributing movies in 2010.

Relativity purchased the film, independently produced by the Bandito Brothers, for $13 million. It stoked interest through more than 400 advance screenings and a robust TV ad campaign that included Super Bowl commercials. Its marketing budget was reportedly approximately $30 million.

Though the film garnered poor reviews, audiences gave it an "A," according to CinemaScore. It has resonated with males, who made up 71 percent of the audience.

Internationally, the film, which plays much as patriotic propaganda, may face a stiffer challenge. It will open in foreign markets in future weeks, distributed by Film Nation.

Davies said the film was a "question mark" going into the weekend because of a lack of comparative films, but added that he's "optimistic" about its global prospects.

"In the same way we just didn't know what was going to happen domestically, it's still a bit of a mystery," said Davies. "You would think because it's very much an American story, there won't be the same level of interest. But I think at the end of the day, if a movie delivers on an entertainment quotient, then that's the most important factor."

Ahead of Sunday night's Academy Awards, no Oscar-contender finished in the top 10. Most of the favorites have been playing for weeks, if not months.

The Weinstein Co.'s "The Artist," the silent film ode and best picture favorite, is the only top award nominee still expanding its market. The film, which had a very slow rollout, added 158 theaters this weekend.

In its 14th week, it earned $3 million to bring its total to $31.9 million.

"Not a lot of people have seen it, so there's a lot of room left for 'The Artist' to add box office," said Dergarabedian. "'The Artist' has a lot to gain from (Sunday's) telecast."

Fox Searchlight's Oscar-nominated "The Descendants," in its 15th week, took in $2.2 million, raising its total to $78.5 million. Paramount's "Hugo" added $1.6 million to bring its haul to $69.4 million.

Disney's "The Help" remained, by far, the most popular best picture nominee at the box office, with a total of $169.7 million.

But on its biggest night, Hollywood can celebrate its strong theatrical business after a sluggish end to 2011 spurred much hand-wringing about the future of movie-going.

"It's fantastic," said David Spitz, head of worldwide distribution of Lionsgate. "It seems like it's cyclical, where everyone starts saying, 'Well, admissions are down.' Then all of sudden, (they're up). ... It certainly bodes well for this year."

___

Estimated ticket sales for Friday through Sunday at U.S. and Canadian theaters, according to Hollywood.com. Where available, latest international numbers are also included. Final domestic figures will be released Monday.

1. "Act of Valor," $24.7 million.

2. "Tyler Perry's Good Deeds," $16 million.

3. "Journey 2: The Mysterious Island," $13.5 million.

4. "Safe House," $11.4 million.

5. "The Vow," $10 million.

6. "Ghost Rider: Spirit of Vengeance," $8.8 million.

7. "This Means War," $8.5 million.

8. "Wanderlust," $6.6 million.

9. "Gone," $5 million.

10. "The Secret World of Arrietty," $4.5 million.

___

Online:

http://www.hollywood.com

___

Universal and Focus are owned by NBC Universal, a unit of Comcast Corp.; Sony, Columbia, Sony Screen Gems and Sony Pictures Classics are units of Sony Corp.; Paramount is owned by Viacom Inc.; Disney, Pixar and Marvel are owned by The Walt Disney Co.; Miramax is owned by Filmyard Holdings LLC; 20th Century Fox and Fox Searchlight are owned by News Corp.; Warner Bros. and New Line are units of Time Warner Inc.; MGM is owned by a group of former creditors including Highland Capital, Anchorage Advisors and Carl Icahn; Lionsgate is owned by Lions Gate Entertainment Corp.; IFC is owned by AMC Networks Inc.; Rogue is owned by Relativity Media LLC.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/386c25518f464186bf7a2ac026580ce7/Article_2012-02-26-Box%20Office/id-502e29f0f3be4249810e5a5a79e03559

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Report: BP ready for lengthy oil spill trial

BP chief executive Bob Dudley said the company is able to fight a lengthy court battle over the 2010 oil spill in the Gulf of Mexico.

Dudley, who took control of BP in October 2012 after former chief executive Tony Hayward resigned amid criticism over the way he had handled the oil spill, told Sunday Telegraph newspaper that BP can continue to function even if the court case that begins in New Orleans Monday continues for years.

"We have to remember we are a business that invests in decade-long cycles," he said in an interview published Sunday. "For the vast majority of people now at BP, the company is back on its feet and it is starting to move forward," he said.

BP has set aside $40 billion to deal with fines and associated costs of the April 20, 2010, blowout of BP's deepwater Macondo well which killed 11 workers and injured 17. The burning drilling rig Deepwater Horizon toppled and sank to the Gulf floor, where it sits today.

It took engineers 85 days to permanently cap the well. By then, more than 200 million gallons of oil leaked from the well and had covered much of the northern half of the Gulf of Mexico - endangering fisheries, killing marine life and shutting down offshore oil drilling operations.

President Barack Obama called the BP spill "the worst environmental disaster the nation has ever faced."

Dudley said BP had improved safety standards on its rigs, five of which are working again in the Gulf of Mexico, and that the company was still committed to deepwater drilling.

"We had a choice whether or not to back away from the offshore industry and the deep water industry but we have a lot of great strengths in this area and so, rather than move away, we have gone in with even more commitment, more time and more people, more expertise," he said.

Source: http://www.miamiherald.com/2012/02/26/2661865/report-bp-ready-for-lengthy-oil.html

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Commercial loan | SBA Loans | Multifamily Loan - City Capital Finance

Commercial real estate is probably the most significant financial transactions for a small business owner. Purchasing commercial property is usually the most costly ventures a company will embark on.

To purchase a property, there are several things to take into account besides the location.? The commercial property you pick should be fitted for your business long term sustainability and not be a financial burden.? To do that, you can simply calculate your property expense (monthly mortgage payment, tax, insurance and maintenance) and the number should be at lease similar to what you pay for your rent. ?Some may not agree but if you can afford and are comfortable with purchasing a property that is larger than what you need, you should do it.? You can simply rent the space you don?t need and get extra cash to help with mortgage payments. Plus you can use the space later on if you need to expand.? It?s recommended that you use at lease 51% of the property to be qualified as owner user.??

Most business owners cannot purchase a property with cash and even if you have the cash, you should still finance the property as you can use your cash for your business or purchase a bigger/better property.? Besides, with interest rates so low, the loans are practically free considering the tax advantages. However, borrowers that are trying to finance their property purchase, soon experience the headaches that come with obtaining a commercial loan.

On the bright side, owning your real estate property and using your business income to pay for it, exceeds the disadvantages like paying rent and in most cases results in larger return on investment due to appreciation of the property and tax advantages of owning a real estate on your balance sheet. ?For some business owners, the cost of owning their owner user commercial property is less than leasing.?

Objectives of Commercial Real Estate Loans:

First of all, almost all lenders look at your business and use of the property for your business first.? They usually don?t finance businesses that are illegal, immoral or indecent in eyes of general public.? For example, most banks and non bank lenders would not consider liquor stores, gentleman clubs, and adult entertainment and so on.? For these types of businesses, owners should look at un conventional lenders or hard money lenders.

Now this is very important for all borrowers to understand.? Banks and lenders in general are not into real estate business, have no intention of owning your property.? Sure they use your property as collateral but they are only interested in getting their monthly payments on time and they do not want your property should you default on the loan.

However, often times, banks and lenders take over the commercial property through foreclosure process as last option.? When they do, their intention is to get rid of the property as fast and as much as possible.? That?s why, banks are very particular about the types of property they lend against and almost all of them like multi use commercial properties. Special purpose or single use properties like gas stations, self storage or assisted living properties are not the type of properties that can be quickly sold. Furthermore they require ?business operators? to run these types of properties or businesses so when the bank takes over these commercial properties, they usually shut down the business.? On the other hand, office buildings, warehouses and industrial buildings can be easily managed by professional property managers.? The units can be leased to any business and banks can easily sell these properties.? Just keep this in mind when are shopping for commercial loan. The rates for the special purpose loans are higher and usually financed through SBA loans.?

Additionally, business owners using the property for operation of their business will have a better chance of getting financing. They get better rates and terms and can leverage more since the risk is less for the banks.? The underwriter considers the business income and cash flow to qualify borrowers for the loan.

Related Posts:

Source: http://www.citycapitalfinance.com/blog/overview-of-commercial-loan

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Sunday, February 26, 2012

China Travel Guide, China Vacation, China Tour Guide, Attractions ...

Wandering about the City

Macau has earned the title of the Oriental Las Vegas as it is a gamblers' paradise, however, it is also a beautiful city with clear streets, gardens and picturesque hilly landscapes. A wander around the city is a fantastic experience!

The inner city area of Macau is ideally suited for exploration on foot and there is much to discover in the many winding streets to be found close to the main square, Largo do Senado in the downtown or along the waterfront avenues in the southern part of the city near Nam Van or Outer Harbor. We can recommend this and feel confident that no one would be disappointed.These streets close to Largo do Senado, are home to numerous restaurants, bars and cafes and clothing shops. You will find elegant Baroque style buildings from the old days and surprising local delicacies. Walking in a southerly direction along Avenida da Praia Grande will bring the visitor to the area near Nam Van. Alternatively by taking a westerly route the area along the waterfront close to Inner Harbor may be found. The many pedicabs and tricycle rickshaws that are available offer a comfortable way to tour each of these locations. A fare of 150 MOP$ is charged for one hour.On Guia Hill in the eastern part of the Macau Peninsular and the hills of the outlying islands of Taipa and Coloane, there are winding trails with exercise equipment along the roadside for those who like to jog. Hiking among the hills affords panoramic views of the city, harbors and the natural landscape of the surrounding islands. A cable car service is available from 7:30 to 18:30 each day on Guia Hill. The single trip costs three Patacas while a return ticket costs five Patacas for the round trip.Taipa and Coloane are good choices for those who like cycling. Bicycles can be rented on Taipa, from the garage next to the Civic and Municipal Affairs Bureau building (close to the Tin Hau Temple and bus terminal).Another unique way to tour the area is to travel on the nine-seated replica of a 1920's London bus. This splendid vehicle is chauffeur-driven. It follows a scheduled route around the city and a tour lasts approximately two hours. The fare is MOP$300 per person, however special tours may be arranged when the cost will be doubled.Golf
Macau has the most beautiful golf course in Asia. The Macau Golf & Country Club is located on the south side of Coloane Island and near the Western Resort Complex. Here the excellent golfing facilities are complimented by fine views of the landscape over the Pearl River and Hac S? beach.Karting
As a beforehand racing car of F-1, Karting is favored by the many car racing lovers who are fascinated in the Macau Grand Prix, a well-known international formula 3 game held in the city. It is much easier to drive and participants are not necessarily required for licenses.At the southern end of the causeway linking Taipa with Coloane is a karting circuit. The track is wide enough for about 30 cars racing at the same time. The complete facilities of a stand with the capacity of 2,500 people, time equipment, living broadcast screens, show halls, restaurants and special racing courts for children are provided. Foreign karting lovers and locals alike come Getting there: Bus 21, 21A or 25 can take you there.Horse& Greyhound Racings
Horse racing and dog racing are two of the alternatives for those who do not want to go to casinos. The Macau Jockey Club, located in the south-east coastal area of the outlying island of Taipa has a cosmopolitan group of trainers, riders and horses imported from several countries. The racing season is from September to August next year. Public buses to Jockey Club include 11, 15, 22, 28A, 30, 33, 34, 35 & AP1.Dog racing was introduced here in 1960 and has become a firm rival to the horse races. It has been said that bets totaling over 150,000 MOP$ are placed at any one time. The dog track is at the Canidrome located at Avenida General Castelo Branco. There are around 15 races on every racing night starting from 7:30 p.m. Admission is MOP$10 for the public stand. You can take public buses of 1, 1A, 3, 4, 5, 7, 9, 9A, 23, 25, 26, 26A, 32, 33 and 34 to get there. The website of Canidrome (Macau dog racing) is www.macauyydog.com.Enthralling Nightlife
Macau by day gives an impression of a graceful and tranquil city with old Euro-style buildings set against the blue sky, where people wander at leisure along the narrow and winding streets. However, as night falls a new world of enchantment opens up to the sparkling nightlife of the Macanese. The many entertainment venues and restaurants are open until late and welcome all who come to enjoy the festive atmosphere that pervades the night.

Gambling
With casinos to rival both Monte Carlo and Las Vegas, gambling accounts for almost 50% of the government revenue and forms the backbone of the city's tourist economy. Gambling casinos throughout the city are inevitably packed with people from all over the world who come to seek their fortunes.

The numerous Casinos are extravagantly bedecked with dazzling chandeliers, luxurious gaming rooms and first-class hotel facilities add to the glitz of nighttime Macau. Thousands of frenetic gamblers swarm into these venues for 24 hours to seek their fortunes. Most of the best known casinos are housed in top-class hotels in the Macau Peninsular and the island of Taipa. The flagship casinos include Hotel Lisboa Casino, Macau's first Las Vegas-invested casino Sands Macau, Galaxy Waldo Casino and Macau Palace Casino. The tables include roulette, blackjack and poker; of course there are the ever popular slot-machines as well. There are in addition local games such as Chinese fan-tan to give visitors and locals alike sound reasons for visiting in order to experience first hand the height of luxury and excitement.

Hotel Lisboa in a large bird-cage building is the king among these venues. The fa?ade entrance is designed like the big mouth of a tiger and on the lobby dome there is a heart with numerous prickles to symbolize the punishment of gamblers' greed. However, such warnings are formalities and are heeded by many with the same degree of nonchalance as the SMOKING KILLS warning on a packet of cigarettes!

The showy 'Crazy Paris Dancing' performed by charming hostesses in Hotel Lisboa and presented at 20:00 and 21:30 from Monday to Friday is the best choice for those who enjoy watching dancing.Public buses of 3, 3A, 8, 10, 10A, 10B, 12, 22, 23, 25, 28A, 28BX, 28C, 32 reach the casino.All casinos are accessible without charge but smart dress is required. There is a minimum age requirement of 18 for visitors and 21 for locals in all casinos.

The casinos accept only Hong Kong dollars and Macau Patacas and guests can exchange money either at casino counters or the nearby banks.

Casinos in Macau Peninsular
Lisboa Casino
Address: Avenida de Lisboa, No. 2-4, Hotel Lisboa
Galaxy Waldo Casino
Address: Avenida de Amizade, Waldo Hotel
Sands Macau
Address: Avenida de Amizade
Macau Palace Casino
Address: Avenida de Amizade
Mandarin Oriental Casino
Address: Avenida de Amizade, No. 956-1110, Mandarin Oriental Macau
Pharaoh's Palace Casino
Address: Avenida de Amizade, No. 555, 3 andar, The Landmark, Macau
Diamond Casino
Address: Rua de Pequim, No. 82-86, Hotel Holiday Inn Macau
Jai Alai Casino
Address: Est. da Pelota Basca
Kam Pek Casino
Address: Rua de Foshan, Centro Comercial San Kin Yip, 1 andar

Casinos in Taipa

Macau Jockey Club Casino
Address: Estrada Governador Albano de Oliveira, No. 142, Grandview Hotel, Taipa
Mandarin Oriental Casino
Avenida de Amizade, No. 956-1110, Mandarin Oriental Macau, Macau
Marina Casino
Address: Aterro COTAI, Marina de Taipa Sul, Pousada Marina Infante, Taipa

Night Walking
For those who are seeking a money-saving choice of nightly entertainment, a stroll around those parts of the city that are very busy by day can leave you with unique impressions. The popular destinations include the main square, Largo do Senado, Ruins of St. Paul's, Clube Militar de Macau and Macau Houses Museum.

Bars& Discos
Apart from the gambling venues, all sorts of gracefully decorated lounge bars and hotel bars and arrays of sidewalk cafes and bars featuring grazioso Latin and African style music provide more choices for locals. The two famous bar and dining streets in the city are located close to the main square, Largo do Senado in the heart of the city and along Avenida Dr. Sun Yat-sen near the Kun Iam Statue in the south reclaimed-land of Outer Harbor.Bar Street near Avenida Dr. Sun Yat-sen
At the end of Dr.Carlos D'Assumpcao Park in the southern reclaimed-land of Outer Harbor is an avenue called Avenida Dr. Sun Yat-sen. Thanks in part for the waterfront position, this area has become a bustling nighttime entertaining center. Crowds of people go there both for a drink and live performances as well as the charming night scene of outlying islands. All sorts of bars and pubs, cafes, restaurants and food shops line the street sidewalk and music bands and dance groups present live performances for guests.
Getting there: Bus 1A, 8, 12, 17 and 23Fishman's Wharf
A prime amusement attraction in Macau is called Fishman's Wharf. This was initiated by the Macau amusement magnate, Macao Tourism and Amusement Company. It is undergoing its final construction phase and will open to the public in December this year. With an area of over one million square feet, this entertainment complex boasts that it will be a new experience with buildings in a variety of exotic western and oriental architectural styles. It combines entertainment, shopping, restaurants, hotels, docks and convention facilities in one place with driveways and parking for both bus and taxi.

The wharf entertainment area is planned to be built in the waterfront reclaimed area between Sands Macau and Macau Palace, two famous casinos in the city along Avenida de Amizade in the New Reclaimed Area. Buses 1A, 3, 3A, 10, 10A, 10B, 12, 17, 23, 28A, 28B, 28Bx, 28C, 32 and API can take you to Immigration Office of Macau, which opposites the Macau Palace casino.

Bar Street in Downtown
Rua S. Domingos is a street located north to the main square, Largo do Senado in the central downtown. This is the busiest area and is packed with restaurants, local snack shops, clothes shops to name but a few. Various bars and cafes along these streets provide delicious Macau snacks and a pleasant environment.Disco parlors with popular Chinese, Cantonese and Thai music and songs can be found easily in the city. People usually spend the evening at these parlors with friends until late into the night. The reasonably-priced Kara-ok entertainment is very popular with young people.Cinemas & Theaters

Macau is also a venue for both Western and Oriental arts and culture. Cinemas and theaters in the city provide films, operas, musical performances and other entertainments. For those who want to get to know the city in depth, D.Pedro V Theatre located a little southwest of the busiest downtown AV. Almeida Ribeiro and the theatre in Macau Tower Convention& Entertainment Center in the reclaimed area at the very tip of the Macau Peninsular are two good places. Buses 23 and 32 can take you to the tower.

Source: http://travel1680.blogspot.com/2012/02/macau-nightlife.html

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Stern: Silver worthy successor as NBA commissioner (AP)

[unable to retrieve full-text content]AP - David Stern will reveal only two things about his future as NBA commissioner.

Source: http://us.rd.yahoo.com/dailynews/rss/sports/*http%3A//news.yahoo.com/s/ap/20120226/ap_on_sp_bk_ne/bkn_all_star_stern

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How To Deal With Estate Agents Most Effectively | The Peace Pulse

It is the job of the estate agents to help you locate an ideal real estate for your living or business for a nominal commission. To find a genuine real estate agent is a daunting task as all work with the common motive of making most out of each deal. Before you hire estate agents, it is best to do some homework and find out ways of dealing with them:

  1. Search: Look out for the real estate agent by doing some basic research. Check online, yellow pages or local classifieds to find the realtor in the preferred location.
  2. Stick to the budget: A real estate agent will use all his powers to force you to increase your bid. You should stay fixed on your price quote else you may end up paying a few thousand dollars more.
  3. Give him a deadline: When you contact the real estate agent give them a deadline to show you a number of properties. This will make him work harder to close the deal as he may lose a client altogether and thus his commission.
  4. Ask for referrals: It is a great idea to ask for the past client list of the realtors. Try and contact the real estate agents past clients to know more about their past experience. The best way to check the reliability of the agent is to look online for the reviews and testimonials.
  5. Check credentials: It is important to hire licensed realtors to avoid legal mess. The best way is to call their associations and make the check.

With these tips you will surely be able to find the best real estate agents without much of troubles. The real estate agents can only help you shift in your dream home in no time.?

This entry was posted in General and tagged Estate agents by Craig. Bookmark the permalink.

Source: http://www.thepeacepulse.org/2012/02/how-to-deal-with-estate-agents-most-effectively/

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The Story Behind Animal Fox Tattoo | Monster Article

One with the remarkable phenomenons observed in the course of current a long time entails utilization of a tattoo for various reasons. As an example, in case you are enthusiastic about a tattoo on account of spiritual symbolism, it is possible to opt for tattoo crosses. Also, you?ll discover bible tattoo patterns that can have sturdy religious theme. Likewise, usage of animal fox tattoo is looked upon as age-old. There was a reason why increasingly more men and women resorted to having this certain tattoo. It?s widely explained, by etching an image of a particular animal on your epidermis, you?ll be able to enhance probability of acquiring individuals attributes imbibed into your personality. Therefore, it is possible to witness other animal tattoo this kind of as serpents, eagles, lions, tigers, falcons and foxes, and so forth. are in fantastic demand.

Around the world investigation scientists imagine, however a fox isn?t thought to be overtly bodily powerful animal, still this was one in the most sought-after symbols that were in rampant use. Truly, a fox is identified to be a cunning and intelligent animal. History has it, historic guys and tribal males constantly regarded a fox endowed with higher good quality of intelligence.

Amongst popular animal tattoos fox, it will include, Bat tattoos, Bear tattoos, Buffalo Tattoos/Bison tattoos, Elephant tattoos, Horse tattoos, Lion tattoos (contains Puma, Cougar, Mountain Lion), Cat tattoos (domestic), Deer tattoos, Canine tattoos, (domestic), Leopard tattoos (consists of Panther, Cheetah, Jaguar,) Monkey tattoos, Tiger tattoos, Wolf tattoos (contains Coyote, Fox), and many others.

Have you actually offered it a near imagined why advertising and marketing specialists consider help of photos of animal to advertise their merchandise like perfumes, cologne, garments, etc? The logic behind this practice is extremely easy to know. Usage of these images will imply, it might bring out the animal in you! If you delve deeper into background data, you may arrive to find out, use of animal photographs, patterns, stories, and so on. ended up in excellent use. For example, there is certainly reference of Egyptian gods generating use of head of the jackal or body of a lion. Again, you will discover some European tales that chat about werewolves and vampires.

It?s popularly considered, getting animal tattoo models assists in demonstrating our connections to a variety of types of spirits in the good beasts that virtually defines our personalities. This really will help in symbolizing our instincts and innate character.

If you are searching for fox animal tattoos, you should know one exciting fact encompassing it. Inside the medieval interval, it had been considered that these foxes had been a true accomplice with the witches. Which was a purpose why folks would often get busy with fox hunting expeditions by having an intention to eliminate them. This was solely carried out to guard men from evil. Inside a feeling, the aim wasn?t to derive thrill from this searching experience but to produce positive encompassing setting was totally free from evil spirits. This protective stance in early ancient men and women grew to become the genesis of contemporary guys preferring this tattoo.

Get a closer look at our finest Cheetah Print Tattoos and David Henrie Tattoo on our website now.

Source: http://monsterarticle.info/the-story-behind-animal-fox-tattoo.html

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Saturday, February 25, 2012

By partially changing the water you can be able to control the levels ...

Having your own tank set up for tropical fish is a great start for owning your own pets. Fish watching is fun and a very interesting experience so you can share that experience with your guests who?d want to watch them swim around inside the tank. Having your own fish tank and taking care of the fish is a very simple thing to learn and it?s a lot of fun. Money and effort are essential so when you plan on having your own aquarium you must learn how to manage it properly. Setting your own aquarium for tropical fish is not as easy as you may think as the lives of the fish depends on it. Fish will be dumping their waste inside the fish bowl or fish tank. The excretion produced by the fish would be turned into ammonia that is toxic in just a few hours. Ammonia is a toxin to aquarium fishes and this is a well known information to fish owners. Your way to succeed is through the appropriate execution of the nitrogen cycle before you get your own fish to be certain they will do well in the tank. A lot of fish dies when the ammonia level rises as they excrete in the tank. Nitrogen cycle steps done by nature are converting the ammonia naturally into nitrates so the fish thrives well. An aquarium finds an advantage of having nitrites in it and this is the end product of conversion from the toxic ammonia. A test kit for aquarium is the best way to monitor the level of nitrogen as accurately as possible for your aquarium.

An accurate detection of ammonia levels is important therefore buying the right test kits is essential. Water nitrogen levels can be controlled in two ways and that is by changing part of the water with clean water and by nitrogen cycle manipulation. It can be time consuming to control the levels of nitrogen so you need to be patient for this to be effective. Nitrogen cycling to be properly executed can take 2 weeks to even 2 months. A fish tank can start its nitrogen cycle without the use of any kind of fish as this had been proven to be possible. The release of ammonia is a result of decomposition of food that is inside the aquarium. Clean water must be used to replace some amount of the water in the aquarium and nitrate levels should be tested periodically. The good bacteria in the water are killed when chlorinated water is added directly to the freshwater fish tank; it must first be treated before adding. Before adding your tap water to your aquarium, make sure you aerate it first in a bucket for several hours. If you add antibiotics to the water of your fish tank, remember that it also kills the beneficial kinds of bacteria. The best way to treat fishes with infection is to separate them and use the antibiotics there. A good and well taken cared of fish tank will keep your fish alive for its life span. Do not feed your fish too much as this will make the water poisonous. Changing the water in your aquarium is needed when you notice the water is no longer clear but cloudy.

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This entry was posted in Uncategorized and tagged nitrogen cycle. Bookmark the permalink.

Source: http://whoismushthekid.info/?p=3037

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Instant Unsecured Loans For Easy Cash Flow Into Your Business ...

by Alice Eve

Instant Unsecured Loans For Easy Cash Flow Into Your Business

Do you want to make your business secure? Are you looking for any type of collateral? Do you avoid complicated bank procedures? These are few things that concern all businesses, both new and old. For this reason, many entrepreneurs stay away from banks. But, this is not any solution to your problem of how to get instant unsecured loans. These kinds of financing products allow easy cash flow into your business. All these help avert risks associated your venture.

Instant unsecured loans facilitate entrepreneurs in getting quick access to cash whenever required. Since the business environment is very competitive & dynamic, there are times when you have to borrow cash to fulfill the challenges of expansion and sustainability. Enterprises require extra fund to pay taxes & debts and cover cost of operation, current expenditures & short recession periods. They need loan money to respond at unexpected environment situations ably & grab ample opportunities of business.

FundFactor understands these basic environment needs and meets them, providing enterprises amazing unsecured loan programs. These are offered in cash advances form that the borrower is specified depending upon the rating of credit-score. The firm provides signature loans that require no security and no collateral. Options of Merchant Cash Advances and Small Business Funding are further given to boost your dealings.

This involves easy repayment process through installments and no security for firms that are in operation for 1 year. You can get as much as 100 per cent loans if you have a credit score of 640 or above. The packages given are flexible and best suit the urgent needs of a company. Every application of loan is processed efficiently to ensure that the terms and rates do not put the company under pressure. Moreover, these ask for simple paper work.

The main purpose of this typical financial program is to support you in the expansion of your business by providing quick cash, which will further help meet cost of operation & other obligations without any problem. It permits your loan request easily without paperwork. The whole process is 100% unsecured as it involves no collateral or security to meet the criteria of financing plans.

These products are especially designed to easily meet the varied financing requirements of different companies hassle free. All such programs for easy cash flow are made to fuel all obligations related with the growth of one?s organization. At present numerous banks, both private as well as government provide these typical financing products. Such cash advance programs are designed for small as well as medium enterprises so that they can best meet their working capital needs to run smoothly always. These are simple programs for sensible capital fulfillment anytime. FundFactor is always ready to provide personalized as well as customized unsecured mortgage services to the clients whatsoever their conditions may be. These are amazing financing plans that assist in the survival & success of any organization.

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Source: http://loansandcredit4all.info/finance/instant-unsecured-loans-for-easy-cash-flow-into-your-business

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Friday, February 24, 2012

Eye on Britain (2)

Elderly patients being killed by ?chemical cosh? drugs

This is murder

Elderly people in nursing homes with dementia run double the risk of dying from certain ?chemical cosh? drugs, warn researchers.

Alarm bells have been sounded about the dangers of premature death caused by antipsychotic drugs in recent years, but a new study shows some are more risky than others.

It found people over 65 taking haloperidol had double the risk of death compared with those taking a newer drug called risperidone.

Those taking highest doses of antipsychotic drugs ? often known as the ?chemical cosh? because they are wrongly used to sedate elderly patients ? were at greatest risk.

The Harvard Medical School study, the largest ever undertaken among US nursing home residents, looked at 75,445 older nursing home residents between 2001 and 2005.

The drugs investigated in the study are all used in nursing homes and on general hospital wards in the UK.

A Government-commissioned review in 2009 found 180,000 people with dementia were prescribed antipsychotics, of which 144,000 were given them inappropriately. Research suggests this could mean 23,500 people dying prematurely each year.

Haloperidol, which was originally licensed for schizophrenia and other psychiatric conditions, is one of the oldest used, while newer antipsychotics include risperidone and quetiapine.

In the six-month study published in bmj.com ? the online edition of the British Medical Journal ? researchers found 6,598 nursing home residents died, almost nine per cent.

Patients treated with haloperidol had double the risk of death compared with those taking risperidone, the most commonly prescribed drug which was used for comparison with the other five drugs.

The effect of haloperidol was strongest in the first 40 days of treatment, while those taking quetiapine (sold under the brand Seroquel) had a slightly reduced risk of death.

There was no significant effect on death rates from the other drugs, aripiprazole, olanzapine (marketed as Zyprexa) and ziprasidone.

Almost half of deaths were recorded as due to circulatory disorders, 10 per cent due to brain disorders and 15 per cent to respiratory disorders.

The experts concluded ?The data suggest that the risk of mortality with these drugs is generally increased with higher doses and seems to be highest for haloperidol and least for quetiapine.?

The Daily Mail has long called for an improvement in the care of dementia sufferers as part of our Dignity for the Elderly Campaign.

Manchester University academics earlier this week found more than a quarter of elderly patients with dementia were receiving antipsychotics, sometimes for years even though they are supposed to be used for a few weeks at most.

Most antipsychotic drugs are not licensed for treatment of dementia but are frequently prescribed to control agitation and aggressive behaviour, making life easier for carers and nursing home staff.

But Dr Anne Corbett, research manager at the Alzheimer?s Society charity, said the practice must stop. She said ?This research supports existing studies that have shown antipsychotics can raise the risk of death, particularly when used over the longer term.

?As many as 150,000 of the 180,000 people with dementia who are on the drugs in the UK have been prescribed inappropriately. For a minority of people with dementia antipsychotics should be used, but then only for up to twelve weeks, and under the correct circumstances.

?People with dementia are currently having their lives put at risk because of dangerous antipsychotic medication. Too often we hear about an over-reliance on medication as a response to distressed reactions of people with dementia, when a person-centred approach is what is required.

?This needs to stop now. There has been some progress but good care rather than antipsychotics must become the norm. Staff need to be trained and supported to be empowered to provide person-centred care.?

SOURCE

London is no longer an English-speaking city

Australia has been multicultural much longer than England has so I do understand the frustration of the writer below but I also have some news for him: He will get used to it. After about 60 years of frequent dealings with people who have limited English I just accept that as part of life. And in the end it all works somehow. And the better food has certainly been worth it

I can?t boast of being particularly good at languages. But, what with an inordinate amount of to-ing and fro-ing over a lifetime, I manage to get by in most countries when it comes to buying things or ordering a meal.

I even make a point of refusing English-language menus, and, if one is thrust upon me, only ever look at it for amusement value. For example, a Petersburg restaurant once had a mystery item on special, called ?boiled language.? I like mine nice and blue with lots of salt and pepper, I wanted to say, even though I knew that the Russians have the same word for tongue and language (yazyk, if you?re interested).

Anyway, by accident of birth I?m bilingual in English and Russian, so whenever I find myself in Moscow (which is as seldom as I can help it) I can ask anything I want, such as ?I like my food hot, my vodka cold, and not vice versa? or ?Please don?t hurt me.?

Since I?ve been spending much time in France for many years, I can go so far as to exchange off-colour jokes with the ma?tre d? at my favourite Paris restaurant, secure in the knowledge that he is duty-bound to laugh at my one-liners (nowadays professional obligation seems to be a precondition for anyone to appreciate what my wife calls my infantile humour).

Having lived in Italy for a while and travelled extensively through Spain, I can order a fairly sophisticated meal in Rome or Madrid, and the waiters don?t even feel tempted to insult or overcharge me.

The only capital city in which I can?t make myself understood at shops and restaurants is the one where I happen to live: London. And I?d be lying to you if I claimed that my reaction to this linguistic conundrum is invariably good-natured.

This morning I was at a major supermarket where I couldn?t find Polish cucumbers in brine, which normally live in the Foods of the World section. I had to stop several assistants before I found one who could understand the word ?cucumber?. Not a single one knew what brine was. ?Vinegar?? they?d suggest helpfully. ?No, not vinegar! Brine! Salt and water!? ?Vinegar,? they?d say with decisive finality.

On another occasion I was driven to distraction by a shop assistant who kept pointing me towards the butcher?s counter where I could buy ?peeg?, rather than the pickle I had trouble finding. And when buying bread at a French bakery, such as Paul, one had better be able to speak French if wishing to communicate the difference between ?rye bun? and ?rum baba?.

Now I don?t mind speaking French, but there?s a big difference between not minding and having to. In fact, I?m bloody-minded enough to refuse to speak any language other than English in my city. If they take my money in my country, they should damn well speak my language ? just as I try my best to speak theirs in their country.

If this makes me sound as if I were somehow against immigrants working in London, I want to dispel this impression once and for all. I?m not. In fact, I welcome it ? it?s nice to buy real bread from people who know how to make it; I like ordering my pasta from people who don?t pronounce it ?passter?; I?m ecstatic about getting a tapa from a waiter who knows the difference between Serrano and Ib?rica hams. I just don?t want to have language problems in my own city.

Moreover, I?m a firm supporter of free trade, including the import of labour, though I do draw the line on the import of welfare recipients. I just wonder why I?ve never met a Paris waiter who doesn?t speak proper French (and some of them aren?t natives), while these days hardly ever meeting a London one who speaks proper English.

Our economy is in the doldrums, 20 percent of British young people are unemployed (and God only knows how many more on the ?sickie?), and yet catering and retail jobs go to people who don?t understand me even when I speak slowly and loudly. I could suggest why this is happening, and even what needs to be done to change the situation, but I?ll save that for a different article.

For now I?ll just go on saying, ?Well, you better habla, mate. This is England, you know. Inglaterra! Entiende??

SOURCE

The real reason Britain should cut aid to India

When Britain begs India to keep taking handouts, you know aid is more about nourishing soulless Westerners than feeding hungry Southerners.

The debate about whether Britain should continue giving aid to India will surely rank as one of 2012?s most ?Alice in Wonderland? political moments. An outsider to the world of international aid probably imagines that it is cash-strapped countries in the South who do the pleading, sometimes having to humiliate themselves by asking Western nations for financial assistance. Yet in the surreal affray over aid to India, it was the well-off giver ? Britain ? which was on its knees, begging, beseeching the Indians to continue accepting our largesse because if they didn?t, it would cause the Lib-Con government ?great embarrassment?.

This unseemly spat sums up the problem with modern aid: it?s all about Us, not Them. The reason British ministers were prostrating themselves before India, effectively begging the Indians to remain as beggars, is because aid is now more about generating a moral rush in the big heads of politicians and activists over here than it is about filling the tummies of under-privileged people over there. It is designed to flatter and satisfy the giver rather than address the needs of the receiver, which means ?aid to India? is way more important to Britain than it is to India. And for that reason, because aid has been so thoroughly corrupted by the narrow needs of its distributors, it would indeed be a good thing to stop foisting it upon India and other nations.

There was something almost Pythonesque (and I never use that word) in the sight of British politicians saying ?We must continue giving aid to India? while Indian politicians were saying ?We do not require the aid. It is a peanut in our total development spending.? Those were the words of India?s finance minister, Pranab Mukherjee, who told his parliament that the nation should ?voluntarily? give up the ?280million it receives from Britain each year. Cue outraged ? and panicked ? ministers and do-gooders in London kickstarting a PR campaign to show that the Indians are wrong ? they do need British aid, because otherwise, according to Britain?s minister for international development Alan Duncan, in an article illustrated with a photograph of him accepting flowers from grateful little Indians, ?millions could die?.

But it soon became clear that it is Britain, not India, which needs this aid set-up ? existentially speaking. Indeed, during last week?s weird clash, it was revealed that, last year, British ministers sent a private communique to India begging it not to free itself from Britain?s apron strings. According to a leaked memo, the Indian foreign minister, Nirumpama Rao, proposed that India should ?not avail of any further DFID [UK Department for International Development] assistance with effect from 1 April 2011?. Officials at DFID subsequently contacted the Indians and told them that cancelling British aid would cause ?grave political embarrassment? to the British government, not only because Britain had spent ?1 billion of UK taxpayers? money on aid to India over the past five years, but also because it has expended much ?political capital? on ?justifying the aid to their electorate?.

?Political capital? ? that?s the key phrase in this topsy-turvy situation where a relatively well-off Western nation pleads with a developing nation to continue taking alms. Aid is now all about the political capital it provides to the givers, the moral mission it creates for politicians and NGO types who can say ?WE CARE?. Aid is less about feeding the poor than it is about feeding the egos of Western campaigners who, lacking direction in life, leech off Third World unfortunates in an effort to advertise their own moral decency. This outlook, this use of charity to boost the moral fortunes of the givers rather than dramatically improve the lives of the receivers, is beautifully summed up in a promo leaflet currently being distributed by the British charity Plan ? it shows a poor but smiling African girl, wearing rags, alongside the words ?She can change your life forever?. That is, by giving charity to this girl you can turn your empty, consumerist life around by becoming Good!

This is what poor Africans and Indians now represent to many in the aid industry ? symbolically destitute creatures who can help change our lives by allowing themselves to be cooed over and cared for. Forget the days when aid or charity was about trying to change their lives, about improving the lot of the properly downtrodden; now it?s about improving the moral lot of modern-day missionaries in the West. The problem is that, in order to sustain this moral charade of caring Westerners ostentatiously ?saving? smiling African girls and empty-tummied Indians, the receivers of British largesse must dutifully play the role of skinny, bewildered, desperate people, because if they don?t, then the self-serving magic of the aid relationship, its ability to change our lives forever, will be lost. And modern India is simply no longer willing to play that role.

Indeed, Indian officials said the reason they want to reject British aid is not only because it is ?peanuts?, but also because DFID has a tendency to present Indians as financial and moral basket cases who need the help of their now-reformed former rulers. A leaked Indian memo railed against the ?negative publicity of Indian poverty promoted by DFID?, while an Indian journalist said his country is ?increasingly exasperated at being treated as a needy beneficiary?. As well it should be. India has grown exponentially in recent years and there have been corresponding leaps forward in social life ? life expectancy has risen eight years over the past two decades, to a new average high of 66.8 years. Of course, development is uneven in India and there is still much poverty ? but it?s just not on to expect India to play the role of the bowl-waving nation, not only because that?s an inaccurate image but also because it is one cynically drawn up by Western campaigners who need India to stay in that position in order to sustain their own life narratives.

In sending the signal that it no longer wants British aid, India is implicitly rebelling against an aid system that is now more about nourishing the souls of the givers rather than boosting the living conditions of the receivers. Today, it is a lack in the hearts and minds of Western activists, rather than in the stomachs of Southern peoples, which motors the massive aid and NGO industry. At least the old colonial missionaries to the Third World actually had a mission ? one which involved trying to ?improve? dark-skinned people by giving them the Bible and teaching them English and manners. In contrast, today?s mission-less missionaries, from officials like Alan Duncan to the army of do-gooders who staff Plan and Oxfam and other patronising Third World charities, go to the South in search of a mission and they fundamentally need the poor to stay as they are, as symbols of destitution, in order to prop up the billion-pound piece of moral theatre that is modern international aid.

British historian William Hutton once said, ?The charity that hastens to proclaim its good deeds ceases to be charity, and is only pride and ostentation?. That is pretty much all that remains in the world of aid: pride and ostentation. Indeed, it is striking that, in 2010, when DFID announced cuts to spending on the publicity side of ?fighting global poverty?, various NGOs went ballistic, slamming the focus on ?output-based aid? over important things such as ?increas[ing] public understanding of the causes of global poverty? ? that is, who cares about providing on-the-ground stuff, when there?s so much awareness-raising about the wonderfulness of NGOs to be done? Britain?s aid budget should be slashed, not because it costs the taxpayer too much money, as Daily Mail moaners argue, but because it costs too much in terms of the self-respect of nations in the South. Britain should have an emergency aid budget, of course, so that, like all civilised nations, it can assist quickly and generously when people are immediately threatened by starvation or disease, such as after the Haiti earthquake or the Pakistani floods. But the rest of the time, even sometimes struggling peoples don?t need the massive side orders of moralism and fatalism that come with Britain?s ?peanuts?.

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Official Inquiry into misbehaviour by some journalists has created ?chilling atmosphere that threatens free speech in Britain,? says Tory minister Gove

The Leveson inquiry into Press standards has created a ?chilling atmosphere? that threatens free speech in Britain, Michael Gove warned yesterday.

In an outspoken defence of the Press, the Education Secretary cautioned against allowing ?judges, celebrities and the establishment? to set the boundaries of free speech because they had a vested interest in shackling the media.

Mr Gove, one of David Cameron?s closest allies, also appeared to question the Prime Minister?s decision to set up the inquiry last year, warning there was a danger it would produce ?a cure that is worse than the original disease?.

Addressing a Westminster lunch, Mr Gove acknowledged the need to investigate alleged wrongdoing at the News of the World.

But he said there were already laws to prevent reporters ?going rogue?, including specific offences of intercepting voicemail messages and bribing public officials.

Mr Gove, a former senior journalist at The Times, said there was a natural temptation for politicians to ?succumb? to demands for an inquiry by ?establishment? figures in the wake of a major scandal.

But he warned there were ?dangers? in the wide-ranging inquiry chaired by Lord Justice Leveson.

He said: ?There is a danger at the moment that what we may see are judges, celebrities, and the establishment, all of whom have an interest in taking over from the Press as arbiters of what a free Press should be, imposing either soft or hard regulation.

?What we should be encouraging is the maximum amount of freedom of expression and the maximum amount of freedom of speech.?

He added: ?Journalists should be more assertive in making the case for Press freedom, and politicians should recognise that we have nothing to gain and everything to lose from fettering a Press which has helped keep us honest in the past and ensured that the standard of debate in this country is higher than in other jurisdictions.

?The big picture is that there is a chilling atmosphere towards freedom of expression which emanates from the debate around Leveson.

?I think that there are laws already in place that we should respect and principles already in place that we should uphold that are central to ensuring that this country remains free.?

Mr Gove said previous inquiries into national scandals had produced reports that ?give birth to quangos, commissions, and law-making creatures that actually generate over-regulation, over-prescription, and sometimes a cure that is worse than the original disease?.

He said the Food Standards Agency, which was born out of the BSE crisis, had gone from being a ?body that was responsible for governing the safety of our food to one that became yet another meddlesome and nanny organisation that was telling us what we should eat and in what proportion?.

And he said 800 pages of guidance produced in the wake of the deaths of Victoria Climbie and Baby P was ?impenetrable and has still not ensured that our children are safer today than they were two, three or five years ago?.

He acknowledged that he had sometimes been ?irritated? by Press coverage of his own conduct, but insisted that the media had a key role to play in holding politicians to account.

Sources close to the Education Secretary last night said he supported the decision to set up the inquiry but was concerned about the direction it had taken.

Downing Street said the Prime Minister stood by his decision to order the inquiry, but insisted he valued the role played by the media.

His official spokesman said: ?He has made very clear on a number of occasions since how important he thinks it is that we have a free Press and free media that is able to challenge governments and others.?

GOVE?S SPEECH: ?A CHILLING ATMOSPHERE TOWARDS FREEDOM OF EXPRESSION?

?One of the things that struck me over the past few months is that a new set of stereotypes every bit as misleading and caricatured as those about politicians, have grown up around journalists and about the media and the way in which it operates. I am thinking in particular about the Leveson inquiry and the debate that has surrounded it.

?One the things that struck me about politics is that there is a particular tendency to which all politicians are tempted to succumb. In the aftermath of a specific crisis, when an undoubted wrong has been done, there is a desire to find a judge, a civil servant, a representative of the great and the good, inevitably a figure from the establishment, to inquire into what went wrong, and to make recommendations about what might be put right.

?It is a natural thing for politicians to do, but there are dangers associated with it. Sometimes the recommendations of that report may be modest, proportionate and sane. But sometimes they give birth to quangos, commissions, and law-making creatures that actually generate over-regulation, over?prescription, and sometimes a cure that is worse than the original disease.

?If we look back at government?s response to various crises in the past, there have been some profound crises that have affected all of our consciences. And because they have affected our consciences, people have wanted to be seen to act. So for example in the immediate aftermath of BSE and the problems associated with the quality of our food, the Food Standards Agency was quite rightly set up,

?But one of the problems is that the Food Standards Agency morphed over time from being a body that was responsible for governing the safety of our food to one that became yet another meddlesome and nanny organisation that was telling us what we should eat and in what proportion.

?The same thing applied to the vetting and barring scheme and also to the Every Child Matters agenda in the wake of the tragic deaths of Victoria Climbie and subsequently Baby Peter. In both cases the tragic death of two children led to an attempt to ensure that we more effectively policed those that worked with young people but the result of that was a situation where Phillip Pullman had to apply for a Criminal Records Bureau check in order to go into a school to read to children.

?In the same way we developed guidance which is 800 pages long, is impenetrable and has still not ensured that our children are safer today than they were two, three or five years ago.

?I see the same dangers in the Leveson inquiry and in the way in which the debate on press regulation are moving now. It is undoubtedly the case that there were serious crimes which were committed, but we know those crimes were serious because they broke, if the allegations are proven, the already existing criminal law. There are laws against the interception of messages, there are laws against bribery, there are laws that prevent journalists like any other professional, going rogue. Those laws should be vigorously upheld, vigorously policed. However, there is a danger at the moment that what we may see are judges, celebrities, and the establishment, all of whom have an interest in taking over from the press as arbiters of what a free press should be, imposing either soft or hard regulation. What we should be encouraging is the maximum amount of freedom of expression and the maximum amount of freedom of speech.

?The reason why I say there is a particular danger at the moment is that because we all know that newspapers are under threat, under threat from the pressure of advertising migrating online, under threat from a variety of new news sources, that is why whenever anyone sets up a new newspaper, as Rupert Murdoch has done with the Sun on Sunday, they should be applauded and not criticised, and that is why journalists should be more assertive in making the case for press freedom, and politicians should recognise that we have nothing to gain and everything to lose from fettering a press which has helped keep us honest in the past and ensured that the standard of debate in this country is higher than in other jurisdictions.?

?The big picture is that there is a chilling atmosphere towards freedom of expression which emanates from the debate around Leveson. I think that there are laws already in place that we should respect and principles already in place that we should uphold that are central to ensuring that this country remains free.?

SOURCE

Shocking truth about graduate unemployment in Britain: Graduates have the same chance of being out of work as a school leaver with just junior High School attendance

A graduate aged 21 has the same chance of being unemployed as a 16-year-old school leaver with one GCSE, official figures revealed yesterday. Around one in four of both groups is currently without a job.

The shocking statistics highlight the problems facing graduates leaving university at a time of crisis in the jobs market.

Nearly six unemployed people are chasing every vacancy and economists warn that the jobless total, which has hit 2.67million, will climb even higher.

Figures from the Office for National Statistics show that 25.9 per cent of 16-year-olds who left school with as little as one GCSE at grade C or above are currently unemployed.

The situation is almost identical for a 21-year-old graduate. Despite having A-levels and a degree, 24.8 per cent are unemployed.

The figures will fuel concerns among parents and their children about whether a degree is worthwhile at a time when students face the prospect of leaving university with debts of up to ?50,000.

They also raise serious doubts about Labour?s famous pledge to have 50 per cent of school leavers going on to university.

Tanya de Grunwald, founder of the careers website Graduate Fog, said she regularly hears from graduates who are in work but have had to return to their old holiday jobs.

She said: ?They are pulling pints [doing bar work] or doing data entry because they cannot find a graduate job that pays any better.?

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Damn your low fat diet: How a reformed vegan gorges on all the foods his granny enjoyed? and has never felt better

As the kitchen filled with the smell of caramelised meat, my mouth watered in anticipation of the coming feast: a thick cut of tender steak, fried in butter and olive oil. This was not a regular treat. In fact, for the previous 26 years I?d been a vegan, eschewing not just meat but all animal products.

My diet was an extreme version of the NHS Eat Well regime, which recommends lots of starchy foods and smaller quantities of saturated fats, cholesterol, sugar and red meat.

According to government advice, I was doing everything right ? and yet my health had never been worse. My weight had crept up over the years, until in 2008 I was 14? stone [203lb] ? which is a lot of blubber for someone who is 5ft 10in ? and was classified as clinically obese.

I waddled around, sweating and short of breath, battling extremely high cholesterol and suffering from chronic indigestion. I was always tired and needed to take naps every afternoon. I had constant headaches and swallowed paracetamol and sucked Rennies like they were sweets.

Worst of all, I had irritable bowel syndrome (IBS), which left me feeling as if I had lead weights in my gut. My belly was bloated and distended after every meal. I was, to use a technical term, knackered.

But that was about to change. In 2010, I decided to give up my supposedly healthy lifestyle and embrace good old-fashioned meat.

From that day on, I ate red meat four or five days a week. I gobbled the fat on chops, chicken skin and pork crackling. I feasted on everything we?re told to avoid. The effects were instant.

Twenty-four hours after eating meat again, all my IBS symptoms had gone. As the weeks and months passed, every aspect of my health improved dramatically. I became leaner, shedding body fat and becoming stronger and fitter. My headaches went away, never to return. Even my libido increased.

It felt like being young again, like coming back to life. But though I felt energised, I was also furious. Furious with myself for sticking to the ?healthy? eating advice, which was actually far from a sensible diet. But also furious with the so-called experts who have been peddling this low-fat, high-carbohydrate claptrap for so long that no one thinks to question it.

My maternal grandmother would certainly have challenged it. Like my grandfather, she was born into a poor family in East Yorkshire at the turn of the century and their eating regime was simple: meat and at least two vegetables at every meal, lots of butter and full-cream milk (they would have scorned yogurt as little more than ?off? milk), bread, potatoes, cake and puddings.

Nothing would have swayed them from that lifestyle. Had a low-fat diet been suggested by a doctor, Gran would have told him to his face that it was all rubbish and that you needed fat to ?keep the cold out?.

If she could have seen people buying skimmed milk today, she would have thought they had lost their minds. Getting rid of the best bit of milk? Lunacy.

Late in her life, I recall her scorning the advice on limiting the consumption of eggs because of concerns about cholesterol. On one occasion, she watched in astonishment as a celebrity TV chef made an egg-white omelette. ?He?s a bloody fool, that man,? she said.

She was right to be sceptical, it turns out. For years the authorities told us cholesterol-rich foods would kill us ? but we?ve since learned that is utter drivel.

While Ancel Keys, the scientist whose research in the Fifties first raised concerns about cholesterol levels, suggested that heart disease was linked to large amounts of cholesterol in the blood, he never claimed those levels were linked to the amount of cholesterol we eat.

?There?s no connection whatsoever between cholesterol in food and cholesterol in blood,? he said in a magazine article in 1997. ?And we?ve known that all along.?

Since then, the NHS?s paranoia about cholesterol in food has been replaced by concerns about saturated fat ? found in everything from butter, cheese and cream to pies, cakes and biscuits.

They suggest saturated fat increases the risk of heart disease. But this is open to debate. France has the lowest rate of death from coronary heart disease in Europe, yet the country has the highest consumption of saturated fats.

Gran survived into her 80s and Grandad into his 70s, despite labouring down the pit his whole working life. Did they achieve this by gobbling low-fat spreads, soya oil or skimmed milk? No, they lived on old-fashioned foods such as butter, lard and beef fat. Indeed, a growing body of opinion suggests that the factory-made products that have replaced these staples ? vegetable oils, polyunsaturated margarine and spreads ? are the real cause of the degenerative diseases that are so common today.

Findings by the Weston A. Price Foundation, a non-profit-making research organisation in America, show most cases of heart attack in the 20th century were of a hitherto little-known form known as myocardial infarction (MI) ? a huge blood clot leading to the obstruction of a coronary artery.

MI was almost non-existent in the U.S. in 1910 and was causing no more than 3,000 deaths a year by 1930. However, by 1960, there were at least 500,000 MI deaths a year across the country. It surely can?t be a coincidence that this happened as the U.S. embraced a new diet based on increasingly large portions of highly processed foods and vegetable oils?

Similar changes in the national diet took place in Britain during the early years of my life and I can?t help wondering whether my father might still be alive today if it had not been for this shift.

I grew up in the North-East during the Sixties and had no idea about ?healthy eating?. Those few people who did fret about their diet were thought of as fussy.

No one thought food was a problem, unless the chip shop ran out of battered sausage on a Friday. We ate suet puddings every week, our bacon and eggs were fried in lard, milk was full-fat ? I?m not sure skimmed milk even existed in the Sixties ? and we ate eggs every day.

Then, in the Seventies, things changed. We got wealthier and food became cheaper. Mam began buying more cakes and confectionery instead of home-baking. We ate more shop-bought food in general.

She also stopped using lard in the chip pan, opting for Spry Crisp ?n Dry instead. Gran wasn?t pleased. She thought vegetable oil was a new-fangled fad ? it was, and that was precisely why Mam liked it. She saw it as moving on, modern and fashionable.

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British TV channel forced to apologise after reporter calls black sportsmen ?coloured?

The NAACP (National Association for the Advancement of Colored People) must be REALLY offensive!

ITV were forced to apologise today after a reporter covering a Downing Street football racism summit twice referred to black players as ?coloured?.

Following the ITV broadcast, dozens of viewers objected to the uses of the term ?coloured? on Twitter.

An ITV spokeswoman said they were sorry and the recording should never have gone out.

Using the term ?coloured? to refer to black people is considered offensive because it dismisses everyone who is not white as the same. The term was in widespread use in Britain in the 1960s but is now considered racist. The problem is it suggests white people are white and everyone else is ?coloured?. There is no recognition that everyone has their own ethnic origin. [So what race you are is important?? I thought that was "racism"!]

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Some very confused thinking above. Africans must not be confused with Indians? I agree with that but would normally be accused of racial discrimination for saying so. Yet above such distinctions seem to be demanded and regarded as important. But logic doesn?t seem to work on political correctness. It?s all just an emotional kneejerk.

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