fallback wastebasket: September 2012

Sunday, September 30, 2012

Car Title Loan for Quick Start of Your Business - Finance Plan ...

Home mortgage loan is more familiar to the laymen as compared to the car title loan. Those who are quite aware of and interested in financial lingo may not find it a Hebrew phrase. However, even for these informed persons, title loan is only a way to be out of financial chaos with some quick cash. They can hardly think about using it as quick take-off for their business effort. But the reality is that with what accrues to you through vehicle title loan is adequate enough to water your wilting business.

Unlike the bank car title loan is highly expensive but can be availed within a few hours. The banks ask for a prolix list of documents to judge the authenticity of your statement in the loan application form. You need to prepare your personal as well as professional details including but not limited to income status, credit background, the purpose of loan taking etc. Furthermore, the bank authority will arrange a meeting with the short-listed borrowers after primary scanning of the applications.

Sacrifice of time and effort yet you don?t know whether loan will be granted or not! Official red tapes extend the time of loan processing and your frustration is quite understandable when you are denied monetary help after weeks? of waiting. From the nature of bank loans as presented in the above paragraphs, you can easily assume that it can never make a choice for immediate money requirement purpose. Search for an alternative ends at the doorstep of cash for title loan industry.

Title loan brings you a fairly good amount. You can invest it for a variety of business needs like buying new equipments, doing some expansion works, procuring raw materials etc. The amount of money you avail through this lending choice depends on the worth of your car?s title. However, the entire sum of a car?s value is not offered rather a part of it is extended to you as cash for your title. A host of factors play crucial role in determining how much you can access against your car title mortgage. Among these factors, the most important are the car model, the date of its manufacture and how much it is worth at the current market price.

The most challenging part of title loan is that you are obliged to make pay-off within 30 days. Collection of a huge sum for payback and that too within such a shorter time limit is nearly impossible. However, playing the wise card is the mantra to make a good use of the loan for your business purpose and make a timely payoff to swat the troubles far away.

Source: http://www.financeplan.info/car-title-loan-for-quick-start-of-your-business/

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Sports Illustrated NFL News: Refs approve deal, scramble for Sunday return

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Germany's Steinbrueck urges SPD unity to oust Merkel

MUENSTER, Germany (Reuters) - Peer Steinbrueck, the man chosen to lead Germany's opposition Social Democrats into an election next year as its candidate for chancellor, called for party unity on Saturday, saying it would otherwise be difficult to unseat Chancellor Angela Merkel.

Steinbrueck, a feisty former finance minister distrusted by Social Democrat (SPD) leftwingers for his centrist economic views, also repeated his opposition to serving under Merkel, a conservative, in a future coalition government.

"This federal election can only be won with the mobilization of our supporters ... Unity is important," Steinbrueck told a party rally in Muenster in the western region of North-Rhine Westphalia, where he once served as state premier.

"An SPD candidate for chancellor must reach 62 million voters," he added, signaling a pitch for the middle ground where he hopes to lure supporters of Merkel's conservatives.

In power since 2005 and buoyed by her calm and resolute handling of the three-year-old euro debt crisis, Merkel enjoys higher approval ratings than Steinbrueck, while opinion polls put her party comfortably ahead of the SPD.

A snap poll conducted by ARD-DeutschlandTrends on Friday showed Merkel had 50 percent personal backing against 36 percent for Steinbrueck. Poll participants considered Merkel more likeable and credible than Steinbrueck and also more likely to overcome the euro crisis.

But 58 percent of respondents also thought that Steinbrueck, who was named as the SPD's "chancellor candidate" on Friday, would be a good candidate for his party and he was considered stronger on the theme of social justice than Merkel.

Despite their lead in the polls, Merkel's conservatives may struggle to form a government if their current coalition ally, the liberal Free Democrats, do badly in the 2013 election. She may then have to consider a coalition with the SPD like the one she led in 2005-09 when Steinbrueck ran the finance ministry.

UNCOMPROMISING

On Saturday, Steinbrueck repeated his preference for a coalition with the Greens and his unwillingness to cut a deal with Merkel.

"I will not be won over to (serve in) a Merkel cabinet ... We want to throw out all three from this government," he said, referring to Merkel's Christian Democrats, their Bavaria-based sister party the Christian Social Union and the FDP.

To loud applause, Steinbrueck reaffirmed his plans for tighter regulation of the financial markets and also called for a legal minimum wage and increased spending on education.

Known for his acerbic wit, Steinbrueck emerged as the SPD's candidate after two other contenders, party chairman Sigmar Gabriel and former foreign minister Frank-Walter Steinmeier, stepped aside.

Saturday's newspapers said the choice of the combative Steinbrueck would make for a much more interesting election.

"On the one side stands the controlled and composed chancellor who seems to get on top of every crisis and is trusted by the Germans," said the best-selling Bild tabloid.

"And on the other is the passionate, rough-edged but also often thin-skinned Steinbrueck ... He will give everything for victory, without any Plan B, without a safety net for himself. If he loses that could be politically the end for him. That deserves respect. This time Germans will have a real choice."

(Writing by Gareth Jones; Editing by Andrew Osborn)

Source: http://news.yahoo.com/germanys-steinbrueck-urges-spd-unity-oust-merkel-143617348.html

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Yemen's president acknowledges approving U.S. drone strikes

Yemen's president said Saturday that he personally approves every U.S. drone strike in his country and described the remotely piloted aircraft as a technical marvel that has helped reverse al-Qaeda's gains.

President Abed Rabbo Mansour Hadi also provided new details about the monitoring of counterterrorism missions from a joint operations center in Yemen that he said is staffed by military and intelligence personnel from the United States, Saudi Arabia and Oman.

Hadi's comments mark the first time he has publicly acknowledged his direct role in a campaign of strikes by U.S. drones and conventional aircraft targeting an al-Qaeda franchise that is seen as the most potent terrorist threat to the United States.

"Every operation, before taking place, they take permission from the president," Hadi said. Praising the accuracy of the remotely operated aircraft, he added, "The drone technologically is more advanced than the human brain."

The U.S. Joint Special Operations Command and the CIA have carried out 33 airstrikes in Yemen this year, compared with 10 in 2011, according to the Long War Journal website, which tracks drone attacks.

Source: http://www.denverpost.com/nationworld/ci_21663087/yemens-president-acknowledges-approving-u-s-drone-strikes?source=rss

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Ron Howard's remarks played at Mayberry Days

RALEIGH, N.C. (AP) ? Andy Griffith led by example on the set of his television show, teaching a 6-year-old boy that true leadership requires not only confidence and hard work but also humility, Academy Award-winning film director Ron Howard said in recorded remarks Sunday.

Howard's remarks were played during a Griffith tribute at the 23rd annual Mayberry Days celebration in Mount Airy. It's the first Mayberry Days held since Griffith, a native of Mount Airy, died July 3 at the age of 86 at his home in Manteo. The three-day event typically attracts 25,000 to 30,000 people.

"Andy's impact on my life and my approach to my work really can't be measured," Howard said. "The balance that he sustained between focused, creative effort and this overt, playful enjoyment that he got out of working hard with people that he liked, doing a show he loved, was something that I hope I'll always remember and emulate."

Howard played Opie Taylor, the red-headed son of Sheriff Andy Taylor, on "The Andy Griffith Show." The CBS TV show aired from 1960 to 1968, starting when Howard was 6 years old and ending when he was 14.

Tanya Jones, executive director of the Surry Arts Council, said Howard reached out to her and told her he wanted to "do something for Andy," adding that he knew Griffith loved his hometown. He emailed Jones after she had reached out to his father, actor Rance Howard, for help with the celebration that's held in the North Carolina town that inspired the fictional town of Mayberry.

Ron Howard hinted that what he learned on "The Andy Griffith Show" helped him with his future career, which includes an Academy Award for directing "A Beautiful Mind." Griffith, he said, established an inclusive set that allowed him, at age 6, "to feel safe, comfortable enough to participate and then to be able to witness and learn so much about the collaborative process ? the value of originality, the discipline of form and the bursts of individual inspiration that good moments and scenes are built on."

Rance Howard sent a statement praising Griffith's character to be read at the tribute.

"Andy was an excellent role model, the guardian of good taste and humor," wrote Rance Howard. "He loved to laugh out loud and long but his motto was, 'I don't want the public to laugh at us, I want them to laugh with us.'"

Griffith was recovering from a heart attack when Rance Howard's wife, Jean, died. Griffith flew with his wife, Cindi, to California so he could speak at the memorial service.

"That's the kind of friend Andy was," Rance Howard wrote. "Yes, he played an enormous role in our lives."

Ron Howard said he learned during the eight seasons "how much care had to go into making a program if it was going to be truly worthy of an audience's time.

"...He helped me to understand that high achievement and leadership require confidence, yes, hard work, absolutely. But it could be gained while still maintaining humility, humanity and a joyous appreciation for those around him. Like so many others, I'm going to miss you, Andy."

With his last words for the crowd, Howard mimicked Griffith, who was famous for telling the audience three words at the end of his shows: "I appreciate it."

___

Martha Waggoner can be reached at http://twitter.com/mjwaggonernc

Source: http://news.yahoo.com/ron-howards-remarks-played-mayberry-days-143047286.html

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Walgreen 4Q profit falls 55 pct, tops forecasts

Walgreen Co.'s fiscal fourth quarter net income tumbled 55 percent compared to a year ago when the drugstore operator recorded a big business sale gain.

Its adjusted earnings still trumped Wall Street expectations. But shares of the nation's largest drugstore chain fell almost 2 percent in premarket trading Friday.

The Deerfield, Ill., company's stock price had climbed more than 17 percent in the quarter.

Walgreen said Friday that it absorbed a bigger inventory-related charge in this year's quarter and another charge due to a multi-billion dollar investment in European health and beauty retailer Alliance Boots. Walgreen also took another sales hit from a split with pharmacy benefits manager Express Scripts Holding Co. that shifted customers away from its stores.

Overall, Walgreen earned $353 million, or 39 per share, in this year's quarter. That compares to $792 million, or 87 cents per share, a year ago.

Excluding one-time items like the charges, Walgreen earned 63 cents per share. That topped analyst expectations of 55 cents per share, according to FactSet.

Revenue fell 5 percent to $17.1 billion from $18 billion a year ago.

Walgreen runs 7,930 drugstores in all 50 states, the District of Columbia, Puerto Rico and Guam, or more than its main competitors CVS Caremark Corp. and Rite Aid Corp.

The company announced in June that it planned to branch out overseas with the Alliance Boots investment. That amounted to $4 billion in cash and more than 83 million shares for a 45 percent ownership stake in the Swiss company, which runs the largest drugstore chain in the United Kingdom. Walgreen took a 9-cents-per-share charge in the quarter from that deal.

The company also recorded a "last-in-first-out" inventory charge of 10 cents per share in this year's quarter compared to 4 cents per share last year.

LIFO is a method of accounting for inventory that assumes a company sells its newest inventory first. The company takes a credit or charge each quarter according to the anticipated inflation rate for the year.

Last year's quarter also included an after-tax gain of 30 cents per share, due to the pharmacy benefits management business sale.

Pharmacy benefits managers, or PBMs, run prescription drug plans for employers, insurers and other clients.

Walgreen and St. Louis-based Express Scripts, the nation's largest PBM, had stopped doing business last year after months of talks failed to produce a new contract, and Walgreen's sales have dropped for several months because of this. The companies have since agreed to a new contract, but it didn't start until Sept. 15, or after the fiscal fourth quarter ended.

Walgreen rivals CVS Caremark and Rite Aid have both claimed new customers due to this stand-off, and Walgreen said it took a hit of about 6 cents per share in the quarter due to the dispute.

For the full fiscal year, Walgreen earned $2.13 billion, or $2.42 per share, on $71.63 billion in revenue.

Walgreen shares fell 72 cents, or 2 percent, to $35.88 in premarket trading.

Source: http://news.yahoo.com/walgreen-4q-profit-falls-55-115956333.html

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Can Mobile Phone Use Lead to Brain Tumors? | Gutierrez Chiropractic

Posted by Gutierrez Chiropractic on Sep 28, 2012 in Blog |

There are currently close to 6 billion mobile phone subscriptions worldwide, and increased usage of cell phones has understandably led to a greater level of interest in how safe they are. The main concern for our health is that mobile phones emit and receive electromagnetic radiation as a result of their need to communicate with relay towers, and some of this radiation is absorbed by the head when the phone is held up to the ear. Whether or not the radiation (both the amount and the frequency) that a typical mobile phone user is likely to receive is potentially damaging to their health has been the subject of debate for some time.

Anecdotal evidence that high mobile phone use can potentially lead to brain tumors is not hard to find. Newspapers and other media sources are only too ready to run such stories. However, given that there are so many people using mobile communication so regularly, the chances are that someone is going to have a brain tumor at some point, whether or not there is any link with the amount of time they spend on their phone. The obvious question is whether or not there is good reason to be concerned over how and how much you use your phone.

The most recent assessment of the scientific evidence of mobile phone safety was carried out by the European Commission Scientific Committee on Emerging and Newly Identified Health Risks (SCENIHR). They concluded that mobile phone usage was unlikely to increase the risk of developing brain tumors.

The most recent results from a long-term study by researchers from the Institute of Cancer Epidemiology at the Danish Cancer Society in Denmark also failed to find any link between mobile phone usage and the development of brain tumors or any other cancers of the nervous system. This study was particularly significant in that it used most of the Danish population to determine if there was any difference in the incidence of brain cancers between mobile phone users and non-mobile phone users. Unsurprisingly, this work has been quoted frequently, especially by cell phone companies, as evidence that their products have now been given a completely clean bill of health.

In contrast to the previous results, the conclusion of a 2010 paper published in the International Journal of Epidemiology on the subject suggested that while no overall link was found between two kinds of brain tumor and mobile phone usage, the data did point to a possible increase in the development of glioma-type tumors in the most intensive users. The authors also pointed out that since the new generations of smart phones are being used for even greater periods of time, especially by younger people, further and ongoing studies in this area are definitely merited.

In 2011, the World Health Organization (WHO) classified mobile phone radiation as ?potentially carcinogenic to humans.? Following from this, many countries have adopted a precautionary approach and suggested moderation in cell phone usage. Using a hands-free kit to avoid holding a phone next to your head has also been advised. While the available evidence suggests that low and normal usage of a mobile phone does not increase your risk of developing a brain tumor, it is probably wise to reduce your exposure to electromagnetic radiation as much as you can, and certainly to avoid spending long periods of the day with a phone next to your ear.

Source: http://www.gutierrezchiropractic.com/can-mobile-phone-use-lead-to-brain-tumors

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Vos Logistics Adds Five LNG Trucks to Its Fleet ... - LNG World News

Vos Logistics Adds Five LNG Trucks to Its Fleet

European logistics service provider Vos Logistics has further greened its transport fleet by taking five new trucks into service that drive on liquefied natural gas (LNG).

In the fourth quarter of the year the company will add another six LNG trucks to its fleet, bringing the total number of Mercedes-Benz Econic LNG trucks to 14. LNG trucks can also be driven on LBG (liquefied biogas) and have a range of about 1,200 kilometres. They are therefore a sustainable alternative for use in national distribution such as deliveries to urban retailers.

Vos Logistics will use the LNG trucks for national distribution in the Netherlands, Belgium and western Germany. Vos Logistics has identified this segment as a strong growth market.

LNG as a sustainable alternative to diesel

Natural gas is the cleanest fossil fuel. Liquefied natural gas (LNG) emits fewer harmful substances such as NOx, SOx, particulates and greenhouse gases. In comparison with diesel, Euro 5 trucks emit 30% less CO2 and as much as 85% fewer particulates. By using LNG trucks, Vos Logistics can operate in full compliance with its customers? sustainability policies.

For Frank Verhoeven, CEO of Vos Logistics, driving on LNG is one of the alternatives available to further reduce the emission of CO2. ?In the first half of the year, we cut our CO2 emissions by a further 3%, thanks in part to the use of LNG trucks. More importantly, our customers are expecting us to deliver sustainability. A good example is floor covering manufacturer Desso. It has adopted the Cradle to Cradle? principle, in which products are made from materials that are safe for human use and can be biologically and technically re-used at the end of their lives.

?At the same time, it uses production processes that guarantee sustainable energy consumption, water savings and eco-effectiveness. The company also works closely with suppliers who respect the same principles. Desso has therefore decided to use LNG trucks to distribute its products because they strengthen its sustainability policy.?

LNG World News Staff, September 28, 2012; Image: VOS

Source: http://www.lngworldnews.com/vos-logistics-adds-five-lng-trucks-to-its-fleet-the-netherlands/

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Saturday, September 29, 2012

Cell Phones Accessories ? Enhances the Efficiency of The Phones ...

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Source: http://www.articlecompilation.com/36516/cell-phones-accessories-enhances-the-efficiency-of-the-phones/

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