Source: http://news.feedzilla.com/en_us/stories/politics/top-stories/323788048?client_source=feed&format=rss
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The truth is there is no problem with obtaining loan acceptance with no down transaction. Actually, there is no situation where a one time is required, and most traders have hidden purposes when telling clients that a down transaction is needed. This is the trick that so many people are taken in by, and one that can see them 100's of dollars more than they have to.
There are some simple points that should be known before accepting a car loan. This way, the individual is in a stronger position to settle the best possible conditions. Here are just 3 pointers.
Car Funding Is For Mark-Up
Car traders are symbolic of double dealing, and cheap shots, and their reputation is well earned. When clients are looking for car loans with poor credit score, the supplier will contact the fund organization on their behalf and apply for the fund cope. And, they will secure the lowest possible interest amount.
That seems fine but if the fund organization offers fund at a amount of 9.5%, then the traders will increase that to 11.5%, pocketing the difference with each transaction.
What is more, traders tell their clients that acceptance with no down transaction is difficult because of their poor credit score status. Usually, they explain that the down transaction reduces the car loan sum and, therefore, the repayments. This is not real at all, with down expenses usually placed in the banking account of the supplier, and the financing cope set at 9.5% to make it seem as though a discount is properly secured.
Down Payment is Not Obligatory
A typical declare is that down expenses are essential, in the same way that mortgage provider usually only allow a maximum 90% financing cope. This is basically not real for car financing, and a 100% car loan with poor credit score is perfectly acceptable.
In reality, it is not even necessary to get financing through the car traders, and instead a loan can be properly secured from a financial institution or other loan organization.
So, instead of the 11.5% the traders declare must be paid, a more competitive 10% might be charged, even with poor credit score. Getting the car loan is essential for many of us looking for a new car, but the right conditions are important too.
Pre-Approved Loans
The best strategy to obtaining a car loan with poor credit score is to be pre-approved by a financial institution or online lender before going to the car supplier. This then gives the customer the power in discussions. They do not need to work out financing conditions with the traders but can basically tell the supplier what car they want and at what price.
Source: http://tvmaha.blogspot.com/2013/08/obtaining-car-loans-with-bad-credit.html
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PREGNANT THEY ARE BEING CARED FOR IN FOSTER HOMES. THE CLOCK IS TICKING YOU HAVE GOT JUST TONIGHT AND TOMORROW LEFT TO TAKE ADVANTAGE OF FLORIDA'S BACK-TO-SCHOOL SALES TAX HOLIDAY. TENS OF THOUSAND OF FAMILIES WERE OUT SHOPPING TODAY AND AT LEAST ONE LOCAL MAL WAS HANDING OUT DOOR TRY AND UNTIES SHOPPERS TO COME TO ITS STORES. BUSINESS WAS BRISK SATURDAY AT MANY CENTRAL FLORIDA MALLS AS FAMILY HIT THE STORES FOR THIS WEEKEND OPPORTUNITIES TO BUY TAX-FREE CLOTHES SHOES AND BACK TO SCHOOL SUPPLIES. AND ANGIE WOLFE OFMAN AND HER 7TH9TH GRADE SON WERE ON HUNTS FOR NEW SHOES AND BELTS FOR THE BOYS. EVERY LITTLE BIT HELPS. AND NO TAXES IS A GOOD THING. THROUGH MIDNIGHT SUNDAY NOW THROER SALES TAX BEING COLLECTED ON CLOSING COSTS $75 OR LESS AND SCHOOL SUPPLIES THAT COST UP TO $15. ALSO, NEW THIS YEAR IS A TAX BREAK ON COMPUTERS, AND OTHER ELECTRONICS ITEMS. THAT COST $750 OR LESS. RETAILERS HOPE THIS WEEKEND EVENT WILL LEAD BIG SALES. AT THE FASHION SQUARE MAL MANAGEMENT OFFERING AN EXTRA ENTICEMENT. FOREVER HUNDRED YOU SPEND ON TAX-FREE ITEMS WE WILL GIVE YOU BACK 20. WE WILL GIVE EACH SHOPPER BACK 20 UP TO $100 MAXIMUM. MALL PROMOTION WILL END WHEN THEY ARE SPWEUFEN ATOTAL $20,000 OR WHETHER MAL CLOSES AT 6:00 SUNDAY NIGHT. WHICHEVER COMES FIRST. ERIC HAS FOUR KIDS RANGING FROM PRESCHOOL TO 7TH GRADE THAT SHE NEED TO SHOP FOR. SHE WASH DETERMINED TO GET THE MAX $100 BACKS. I THINK IT IS REALLY IMPORTANT BECAUSE ANY PENNY WE CAN SAVE HELPS A LOT ESPECIALLY WITH A LARGE FAMILY. IT IS ESTIMATED AVERAGE FAMILY WILL SPEND OFFER $600 ON BACK TO SCHOOL SHOPPING THIS YEAR.
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BY ROBERT DICKS
Lucile Packard Children's HospitalLeukemia survivor Grace Chen helped establish a nonprofit association that raises money for leukemia research through golf-related activities.
"It's a relief that I can do what other kids do."
Grace Chen, 12, of Sunnyvale, Calif., was discussing how, since recovering from childhood leukemia, she can go to school, hang out with friends, watch TV ? basically have a normal life. Well, mostly normal. There aren't many other girls her age who can hit a golf ball 230 yards.
With 25 trophies scattered around her house, it's obvious that Grace has the whole golf thing down. It's been that way since she was 6 and in recovery from years of treatment for acute lymphocytic leukemia, or ALL, at the Bass Center for Cancer and Childhood Blood Diseases at Lucile Packard Children's Hospital.
"My wife, Ni, and I wanted her to start doing something that would help her physically and mentally," said Grace's father, Weixing Chen. "Team sports weren't best because of the requirements for physical activity and the possibility of germs spreading between kids. So we figured golf ? with open, fresh air and beautiful settings ? would be right for her, and she could do it at her own pace and get good exercise."
Golf quickly became something more than just exercise. When Grace was just 7, she won five medals in five categories in a national competition. Recently, she made her fifth annual trip to the U.S. Kids Golf World Championship at Pinehurst, N.C. Gary Dahl, MD, a physician at Packard Children's, is not surprised.
"Grace represents a very important trend in leukemia treatments," said Dahl, who also is a professor of pediatric hematology and oncology at the School of Medicine. "In the early 1960s, before chemotherapy was used, only about 3 percent of patients like Grace were long-term survivors. But in the late '60s and through the '70s, we made major inroads in treatment. ALL now has a cure rate of around 90 percent, and other types, such as acute myeloid leukemia, have improved to rates of 65 percent."
Grace's Birdie for ALL team, a group of junior Bay Area golfers, is part of her Gracious Life Foundation, a nonprofit organization established in 2009 to raise awareness of childhood leukemia diseases and research. Birdie for ALL has supporters throughout the Bay Area who donate money for every birdie or better made by Grace and other team members. The group also hosts fundraising activities and holds golf-related events at Packard Children's, Ronald McDonald House at Stanford and Camp Okizu, a camp for children with cancer.
To date, Birdie for ALL has donated more than $6,000 to fund leukemia research and treatment at Stanford. In recognition of her efforts, Grace was named recipient of 2012 Peggy Kirk Bell award at last year's U.S. Kids Golf World Championship. Named after the women's golf pioneer, the award is given to a young golfer who is making a difference in his or her community.
Leukemia, a cancer of the blood that starts in the bone marrow, is the most common childhood cancer. It hit Grace hard at age 2. She was temporarily living in China with her grandparents while her parents, who were working in the Bay Area, flew back and forth. Her symptoms, including joint pain, fever and anemia, were classic. With a confirmed diagnosis, she flew to the Bay Area for treatment and came straight to Packard Children's from the airport.
"Grace couldn't speak English, and she was very frightened," Weixing said. "Once Dr. Dahl laid out the plan, she started receiving chemotherapy and dealing with all the side effects."
For Grace, the treatments and diagnostics could be unpleasant, especially the painful bone marrow aspirations to check the status of her blood cells. "I can't remember too much," said Grace, "but I remember the therapy, including the shots and then the ice cream afterward. I'm just really thankful to now be healthy."
With personal heroes like gold stars Yani Tseng and Phil Mickelson, is Grace envisioning a pro career? "I hope to play in high school, and my college dream is to go to Stanford, Princeton, Harvard or UCLA," Grace said. "For now, I think I want to wait and see how things go, but I do know one thing. I feel like golf has played a large role in helping me recover."
For more information about Grace Chen and the Gracious Life Foundation, visit http://www.birdieforall.org.
Robert Dicks is the senior media relations director for Lucile Packard Children's Hospital at Stanford.
Source: http://feedproxy.google.com/~r/NewsFromStanfordsSchoolOfMedicine/~3/6xoHmhekFc8/golf-0805.html
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Sat Aug 3, 2013 11:22pm BST
By Diane Bartz and Ayesha Rascoe
WASHINGTON Aug 3 (Reuters) - The Obama administration has overturned a U.S. trade panel's ban on the sale of some older iPhones and iPads, reversing a ruling that had favored Samsung Electronics Co Ltd over Apple Inc in their long-running patent battles.
The U.S. International Trade Commission in June banned the import or sale of the iPhone 4, iPhone 3GS, iPad 3G and iPad 2 3G distributed by AT&T Inc, saying the devices infringed a patent owned by the South Korean electronics giant.
U.S. Trade Representative Michael Froman on Saturday vetoed the ban, saying his decision was in part based on its "effect on competitive conditions in the U.S. economy and the effect on U.S. consumers." He said Samsung could continue to pursue its case through the courts.
Samsung said it was "disappointed" at the lifting of the ban. "The ITC's decision correctly recognized that Samsung has been negotiating in good faith and that Apple remains unwilling to take a license," it said in a statement.
Apple welcomed the news and applauded the administration "for standing up for innovation." It added, "Samsung was wrong to abuse the patent system in this way."
The Apple products targeted by the ITC ban are more than a year old, though some models such as the iPhone 4 remain solid sellers. Apple sells more than 100 million iPhones annually, but it does not break down sales by models.
Apple and Samsung have been waging a global patent war since 2010, filing multiple lawsuits against each other over the design and functionality of their devices.
This ITC ban is specific to a Samsung patent on technology that allows devices to transmit multiple services simultaneously and correctly through 3G wireless technology.
Such patents are called "standard essential patents" and they cover technology that must be used to comply with standards set by industry organizations.
The Obama administration has been pressing for most infringements of standard essential patents to be punished by monetary fines instead of sales injunctions.
Froman on Saturday said the ITC should thoroughly examine the public interest ramifications of its rulings in disputes over standard essential patents.
Designed to be a trade panel, the ITC has become a popular venue for patent lawsuits because it acts relatively quickly and can order import bans, which are more difficult to get from district courts.
While the ITC was created to ensure that U.S. companies can compete fairly against imports, a number of foreign companies with U.S. manufacturing plants have filed patent complaints with the agency. Samsung has a plant in Austin, Texas.
ITC cases can be appealed to the U.S. Court of Appeals for the Federal Circuit, and from there to the Supreme Court.
Apple has a parallel complaint filed against Samsung at the ITC, accusing the South Korean company of copying the iPhone and iPad. An ITC judge in that case found that Samsung had violated one patent but not a second one. A final decision is due in August.
Samsung makes phones that run on Google Inc's Android operating software, the market leader. Apple has also sued other Android phone makers including HTC Corp for patent infringement.
The case at the International Trade Commission was No. 337-794.
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Leading Coconut Water brand, ZICO, is launching ZICO Chocolate ? a delicious new variety that will be available to independent retailers from 1st July.
ZICO Chocolate, which is hugely popular in the USA, combines all of the natural replenishing benefits of ZICO Coconut Water, but with a delicious, natural chocolate flavour.? It?s also low calories at just 20 calories per 100ml, is gluten free and provides a source of magnesium and other electrolytes including potassium.
Available in 400ml resealable bottles, ZICO Chocolate will retail at an RSP of ?1.79 and boasts eye catching recyclable packaging. The July 1st launch will be supported in store, with further marketing activity to follow for the wider distribution roll out.
In addition to the new flavor launch, ZICO Coconut Water is further expanding it?s offering by adding original flavor 900ml pack formats to the range.? This sku will move ZICO from an on the go product to also being a fridge staple, with the multi-serve pack increasing ZICO?s presence in the coconut water category and providing the consumer with more occasions to consume ZICO.
To raise awareness for the ZICO brand and the new products entering the market, a high profile marketing initiative, #TheEverydayActive, is being launched.? The campaign, which will be fronted by British singer-songwriter, Jessie Ware, will aim to inspire the nation to carry out every day healthy activities, such as walking to work, to improve their overall health and fitness.
Jessie Ware will launch the campaign with an exclusive live VIP gig on 17th June, at the top of The Gherkin in central London.? This will be supported with a high reach promotion on Kiss FM, where consumers will be offered tickets to the event.? Tickets to the gig will also be offered via a promotion on the brand?s Facebook page, and this competition will be publicised through an ad in the Metro.
#TheEverydayActive will also be supported by an exciting social media campaign.? Activity will celebrate people?s achievements by offering expert tips, rewards, competitions and events through Twitter and a bespoke Facebook application.
ZICO launched its Coconut Water in the UK in 2011 and it is currently the fastest growing coconut water brand (Nielsen May 2013).? Made from fresh young coconuts, hand harvested in Thailand and Indonesia, ZICO contains essential electrolytes including potassium.? This makes it the ideal drink to replenish and refresh ? whether it?s after a big sporting event or a short cycle to work.
Your working day is a workout.? ZICO Coconut Water celebrates the active in your everyday.? You may not run a marathon every weekend but you definitely tackle daily challenges.? Whether you raced the bus and won or beat the lift with the stairs, celebrate those little victories by renewing yourself with ZICO.
?
-ends-
For further press information, please contact Lisa Lambert on 07739 134 913 or email:
lisa@alittle-bird.com
?
For further information on #TheEverydayActive active follow @zico_london on Twitter, ZICO UK on Facebook or visit http://uk.zico.com/
?
Launched in the US in 2004, ZICO Coconut Water was conceived by Mark Rampolla who fell in love with coconut water while working as a Peace Corps volunteer in Central America.? Arriving in the UK in 2010, ZICO is available in 400ml re-sealable bottles in both original and mango variants. Stockists include Tesco, Waitrose, Sainsbury?s as well as Independent stores and gyms across England.? Made from fresh young coconuts, ZICO is low in calories, contains no fat, no added sugar and is high in potassium.? ZICO is part of the Coco-Cola beverage company.
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Source: entertainment.msn.com --- Thursday, August 01, 2013
NASCAR sells remaining 3 Cup races, 1st half of Nationwide schedule to Fox Sports ...
Source: http://entertainment.msn.com/tv/article.aspx?news=821060
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LOS ANGELES (AP) ? Three million Time Warner Cable customers in New York, Los Angeles, Dallas and elsewhere lost access to CBS programming on multiple channels Friday as the cable provider dropped the network in a dispute over fees.
The nation's second largest cable operator said that CBS refused to have productive discussions despite a monthlong extension of talks since a previous deal expired at the end of June.
CBS said it regrets Time Warner Cable's decision, which it called "ill-advised."
As of about 2:15 p.m. Pacific time, multiple stations that carry CBS programming in New York and Los Angeles were replaced with a message from Time Warner Cable, saying that CBS had "demanded an outrageous increase" in the fees it demands to carry the signal of its TV stations.
Time Warner Cable subscribers in other markets were also affected.
In all, the stations affected are WCBS and WLNY in New York; KCBS and KCAL in Los Angeles; KTVT and KTXA in Dallas; WBZ and WSBK in Boston; KDKA, WPCW-CW in Pittsburgh; KCNC in Denver; WKBD-CW in Detroit and WBBM in Chicago.
Time Warner Cable customers who subscribe to Showtime, TMC, FLIX and Smithsonian channels were also to lose programming.
In its message to subscribers, Time Warner Cable said it would replace the lost programming with shows from Starz Kids and Family temporarily.
Source: http://news.yahoo.com/time-warner-cable-drops-cbs-ny-la-dallas-212652573.html
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