Tuesday, July 31, 2012

Learning How To Save On Auto Insurance With A Few Quick Tips ...

Finding cheaper auto insurance is as easy as requesting insurance quotes. Requesting just one quote may not do the trick, but if you request several quotes online, you will probably find a substantial variance in the rates quoted by different providers. Even with exactly the same information about you and your driving history, every insurer looks at you a little differently. Certain insurers place more weight on factors such as your age or the car you drive. You could be just a few quotes away from saving a lot of money on your car insurance.

Keep your insurance updated with who is actually driving your car. A lot of parents forget to take their children off of their insurance even after they have moved out and gotten coverage of their own. The more drivers on your policy the more you are paying so make sure and keep it up to date.

Look for group discount rates on your auto insurance. If you belong to any kind of trade organization, or have eligibility for group rates through any kind of group, such as your employer, you may be able to get a good discount on your rates. You may need to purchase your insurance through the organization to get the discount, so ask up front.

Do not settle for the first auto insurance company that you find. You may be missing out on special discounts or rewards. For instance, some insurance companies offer discounted premiums for accident-free drivers, or for people of certain professions. Some even give discounts to college students who maintain good grades.

The type of car that you drive can have a dramatic impact on your auto insurance rate. Sports cars, high performance vehicles and autos frequently targeted by thieves, all result in high rates for the driver. If you are considering purchasing one of these vehicles, make sure you can afford the higher insurance rates as well as your loan payments.

If you have a car that is considered to be a classic or special model, you may want to consider joining an auto club that is related to your vehicle. Many auto clubs offer insurance discounts that could end up saving you thousands of dollars a year, while also having reliable and trustworthy car insurance.

To save money on your insurance, consider what making a claim will cost you before reporting it. Asking the company to make a $600 repair when you have a $500 deductible is only going to net you $100 but may cause your premiums to go up more than that, for the next three years

If you are just beginning to drive, make sure you are on a policy with an older, more experienced driver. Many automobile insurance companies offer a lower rate if a young driver is paired up on the same policy as an older one. If possible, this is a great tactic for reducing your family?s car insurance rate.

With these helpful tips hopefully, you can have a better idea about the decision you want to make about your auto insurance. These tips are there to help you when you are searching for the right coverage for you, so make sure you remember the main points from these tips, so that you can make the right decision.

To find the top auto body repair springfield mo make sure you take your time and choose the best company for you.

Source: http://blog.1stfind.com/?p=319822&utm_source=rss&utm_medium=rss&utm_campaign=learning-how-to-save-on-auto-insurance-with-a-few-quick-tips

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Flood Insurance Program Extended for Five Years - Matawan ...

President Obama signed into law on June 30?the Flood Insurance Reform and Modernization Act of 2012. Many of us in the insurance industry had been lobbying Washington DC to give us the much-needed reforms and permanency for our flood insurance markets.

Since 2008, the US Congress has let the National Flood Insurance Program (NFIP) expire 17 times and some of those expirations have impaired a wide variety of real estate transactions. With the passage of this new reform law the NFIP will remain in place for five years without any interruption.

There will be several changes to the flood insurance program; mostly provisions that will make the flood insurance program self-sustaining without the need for an infusion of money to keep the program afloat. Certain properties that are too close to tidal waters will see a phase-out of subsidies. The flood insurance program in the past had maximum annual increases of 10% these will now be increased to 20%.

Other noteworthy provisions of the new law:

  • Requires the NFIP Administrator to develop a plan for repaying the debt incurred from Hurricane Katrina
  • Mandates that rates for secondary homes, properties with repetitive flood claims and commercial properties will go up 20% over the next five years.
  • Policyholders will be allowed to pay in installments instead of one lump sum.

Many of the details of the law will be subject to regulatory interpretation and implementation over the next 2 to 3 years in a serious effort to make the federal program self-sustaining.

What we as consumers can look forward to is a federal program that will have insurance rates much higher than what we have seen in the past and a larger emphasis on encouraging greater private sector participation in providing flood insurance coverage.

Source: http://matawan-aberdeen.patch.com/blog_posts/flood-insurance-program-extended-for-five-years

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UN appoints experts to guide development

The U.N. chief has appointed British Prime Minister David Cameron, Indonesian President Susilo Bambang Yudhoyono and Liberian President Ellen Johnson Sirleaf to head a panel of experts advising on ways to promote future global development.

They will head a group of 26 international advisers to recommend plans for global growth and development beyond the 2015 Millennium Development Goals, which are aimed at wiping out extreme poverty and hunger, achieving universal primary education, promoting women's rights, lowering child mortality, combating disease and protecting the environment.

"I look forward to the panel's recommendations on a global post-2015 agenda with shared responsibilities for all countries and with the fight against poverty and sustainable development at its core," Secretary-General Ban Ki-moon said Tuesday.

Among the panel are:

-- John Podesta, co-chair of President Barack Obama's transition team, and chairman of the Center for American Progress. He was White House chief of staff to President Bill Clinton.

-- Sung-Hwan Kim, South Korea's minister of Foreign Affairs and Trade.

-- Graca Machel, wife of South Africa's former president Nelson Mandela and with him a member of The Elders, global leaders working on peace and human rights issues.

-- Maria Angela Holguin, Colombia's foreign minister.

-- Horst Kohler, former president of Germany.

-- Naoto Kan, former prime minister of Japan.

-- Jordan's Queen Rania.

-- Patricia Espinosa, Mexico's secretary of Foreign Affairs.

-- Ngozi Okonjo-Iweala, Nigeria's minister of Finance.

The panel will meet in New York at the end of September on the sidelines of the annual U.N. General Assembly debate, and is expected to send preliminary recommendations to the U.N. chief by mid-2013.

All 193 member-states and 23 international organizations agreed at a U.N. summit in 2000 to promote the Millennium Development Goals for the year 2015. The adoption of the agenda gave all the parties targets to aim at, though progress on many of the issues has been hampered by global economic recessions.

"Official development assistance fell last year for the first time in more than a decade," Ban said. "We must not allow fiscal austerity to undermine support for poverty reduction and development."

---

On the Web:

http://www.un.org/millenniumgoals/beyond2015.shtml

Source: http://news.yahoo.com/un-appoints-experts-guide-development-203127950.html

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Monday, July 30, 2012

NBA Luxury Tax

Here is?a good overview piece of the NBA luxury tax.

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In the new CBA, the luxury tax steps up dramatically in terms of penalties in the next few years.

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That was one of the key points in the new CBA.

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I seriously doubt that the Washington Wizards would ever go into the luxury tax in the out-years.

This entry was posted in Basketball, General Interests and tagged Luxury Tax, NBA, Ted Leonsis, Ted's Take, Wizards by Ted. Bookmark the permalink.

Source: http://www.tedstake.com/2012/07/29/nba-luxury-tax/

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Rumor: Apple to announce next iPhone and smaller iPad on Sept. 12

2 hrs.

Circle Sept.?12 on your calendar, Apple fanboys and fangirls. Because rumor is that the next generation iPhone will be announced on that day?? along with an "iPad Mini."

This little morsel of gossip comes to us via iMore's Rene Ritchie, who?says he heard about it "from sources who have proven accurate in the past." While this sort of cagey sourcing is typically?easy to dismiss, it is worth noting that Ritchie nailed the announcement date for the third-generation iPad a month ahead of time?? thanks to similarly mysterious sources. (Perhaps even the same ones?)

Ritchie writes that while both the next-generation iPhone as well as a long-rumored "iPad Mini" will be announced on Sept. 12, only the iPhone will start shipping nine days later, on Sept. 21. There's no word on an expected release date for the other device, though presumably it would be soon after, if not at the same time.

The dates suggested in Ritchie's report do line up with what we've been hearing for a while?? that the next-generation iPhone will hit shelves in the fall and that the smaller iPad should be available in time for the holidays.

What else do we know about this next bunch of Apple gadgets?

Well, we?suspect that the next-generation iPhone will be pretty darn similar to the iPhone 4S, but with a slightly thinner and larger screen?and 4G LTE?connectivity (like on the newest iPad).?It will likely use a smaller 19-pin port rather than the wider 30-in port found on current iPhones, iPads and iPods. (Say goodbye to your old chargers?? or hello to some awkward adapter???if that turns out to be the case.)

Judging by photos at?9to5 Mac?? showing what is?supposedly?the equivalent of a fully-assembled next-generation iPhone???those guesses might be right on the money.

As far as the "iPad Mini" goes, we don't know too much.?Based on the most reliable reports, it should be close to eight inches diagonally, offer a plain (non-Retina) display, and be priced in the $250 range (to compete with Google's Nexus 7).

We've reached out to the folks at?Apple and asked them if they're feeling crazy enough to confirm the rumored announcement date or chit-chat about their upcoming products. Since it's their policy not to address such things, we'll just continue daydreaming about shiny gadgets of the future.

Want more tech news?or interesting?links? You'll get plenty of both if you keep up with Rosa Golijan, the writer of this post, by following her on?Twitter, subscribing to her?Facebook?posts,?or circling her?on?Google+.

Source: http://www.technolog.msnbc.msn.com/technology/technolog/rumor-apple-announce-next-iphone-smaller-ipad-sept-12-916194

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Family of Origin Influences | Tammie Day Relationship Counselling

Initially, we start developing our patterns from our family of origin, biological or otherwise (?family of imposition? as some refer to it). It helps if you can identify how your past experiences and learnt behaviours may be affecting your current relationship. This often becomes evident in the similarities between your close relationships and your parents? relationship. Or perhaps by your attempts to be nothing like them.

For example, if you had a parent who was very self-centred, you may have grown up focusing exclusively on other people?s needs and in your attempt to be selfless, you stopped prioritising your own needs. Let?s start by uncovering the similarities and differences between you and your parents; we will then generalise this to the relationship you now have between yourself and your partner .

Imago Work-up Exercise

1. Recall from your childhood the characteristics of those caregivers who were most responsible for your upbringing, i.e., parents, grandparents, extended family, foster parents, etc. Respond as you would as a little child, not as you would as an adult, and recall your caregivers as they were then, not as they may have become in the present.

a. List the negative traits of your childhood caregivers:

Male:

Female:

b. List the positive traits of your childhood caregivers:

Male:

Female:

2. Was there something you needed and wanted most as a child but did not get? What was it?

3. List the FEELING responses you had when you recall positive childhood memories.

4. Briefly describe what you DID when you felt frustrated as a child.

Partner Profile

1. List your partner?s positive traits, including the traits that first attracted you to your partner. Circle the traits that seem to affect you the most.

2. List your partner?s negative traits. Circle the traits that seem to affect you the most.

3. Compare the traits of your childhood caregivers to those of your partner. Write down which ones are similar.

4. List the traits that cause you frustration.

5. Briefly describe how you responded then and how you respond now.

What has this led you to believe about what you need from yourself and your partner?

Next week we?ll uncover some?of the patterns that may have been created as a result of past family and other?historical influences.?

Source: http://www.thecouplerelationship.com/web/?p=2065

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Sunday, July 29, 2012

Romanians vote on whether to impeach president

BUCHAREST, Romania (AP) ? Romania is holding a referendum on impeaching President Traian Basescu, part of a political battle that has raised questions about the rule of law in the fledgling EU member.

Basescu's rivals are seeking to impeach him for the second time in five years. They claim the 60-year-old populist violated the constitution by meddling in government business, coddling cronies and using the secret services against enemies.

Basescu says the impeachment process is a political vendetta carried out by opponents plotting to seize control of EU funds and the justice system. He has urged supporters to boycott Sunday's vote in order to nullify it by a low turnout.

The political turmoil has dented Romania's credibility, with the U.S. and the EU expressing doubts about the left-leaning government's respect for the judiciary's independence.

Source: http://news.yahoo.com/romanians-vote-whether-impeach-president-063156741.html

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Funerals held for 3 Colorado shooting victims

Marshall Gorby / Springfield News-Sun via AP

Samantha Yowler, second from right, is comforted at the casket of Matt McQuinn on Saturday at the Maiden Lane Church of God in Springfield, Ohio.

By NBC News and news services

Funerals were held Saturday for three of the Colorado shooting victims -- Matt McQuinn, who shielded his girlfriend,?aspiring sportscaster Jessica Ghawi and Navy Intelligence Officer John Larimer.?

Mourners packed a church in McQuinn's hometown of Springfield, Ohio, the same morning that others came together in San Antonio to remember Ghawi. Other victims' funerals were held earlier this week, and more are set for next week.

When gunfire broke out in the Aurora, Colo., theater, McQuinn, 27, dove in front of his girlfriend, Samantha Yowler, and was shot three times.

Yowler, who was shot in the knee and survived, arrived at McQuinn's funeral on crutches and wept quietly with his parents and other family during the funeral. Neither she nor his parents addressed Maiden Lane Church of God.


Pastor Herb Shaffer, who is also McQuinn's uncle, said his nephew had been a gift to his family since he was born and that his actions in Colorado were just one example of his selflessness.

He spoke of how McQuinn called his mother three times the day before she had surgery because he was upset that he couldn't be there in person and wanted to make sure she was OK.

Then he talked about McQuinn's greatest sacrifice of all, saving Yowler, whom Shaffer described as his nephew's best friend and the love of his life.

"In moments of crisis, true character comes out," he said. "His immediate response was to protect the woman he loved."

The Springfield News-Sun reported Shaffer at one point noted that, as a young man, his nephew sometimes dressed in a way that "made you want to cross to the other side of the street. But then he opened up his mouth, and he couldn?t betray who he was."

There was "never any malice," he added, only "a contagious enjoyment of life".?

Mourners at Ghawi's funeral also touched briefly on the massacre.

"If this coward could have done this with this much hate, imagine what we can do with this much love," her brother told mourners.

But most of the service focused on the life and energy of the aspiring sports journalist.

"What we will not do today is focus on how she left us," said Peter Burns, a friend from Colorado, reading a statement from Ghawi's mother, Sandy. "Jess was a force to be reckoned with. She was a jolt of lightning. A whirlwind. A Labrador puppy running clumsily with innocent joy."

NBC News' Kate Snow profiles Jessica Ghawi.

Ghawi's boyfriend, Jay Meloff, note that others described her as "a tough, redheaded spitfire," and she was, but that he also saw "a beautiful, warm-hearted and passionate woman with a capacity for love. ... She was as mushy as they come."

Large screens in the church played a video that has gone viral in the past week showing Ghawi repeatedly falling down as she walked onto an ice rink wearing high heels to interview a hockey player as an intern for San Antonio sportsradio station KTKR.

Formal charges are expected to be filed in court on Monday against alleged Colorado movie theater shooter James Holmes.

Ghawi, 24, had survived a June 2 shooting at a Toronto mall that left two dead and several wounded. She blogged about the experience, writing that it reminded her "how fragile life was."

A private funeral was held for Larimer, 27, whose body returned home from Colorado Thursday. Members of the Illinois Old Guard, the Warriors' Watch Riders and the Illinois Patriot Guard escorted hearses from O'Hare International Airport to Davenport Family Funeral Home. On Saturday flags lined the funeral home's sidewalks and entrance where friends and family hugged each other and wiped away tears, the Chicago Sun-Times reported.

The Crystal Lake South High School alum joined the Navy eight years after high school graduation and was stationed in Colorado.

Larimer was at the Century 16 movie theater in Aurora Friday with his shipmates and girlfriend, Algonquin native Julia Vojtsek.

James Holmes, a 24-year-old former doctoral student studying neuroscience, is accused of opening fire on the theater, killing McQuinn, Ghawi and 10 others, and wounding 58. He is due to be formally charged Monday in Colorado.?

The Associated Press and Reuters contributed to this report.

Source: http://usnews.nbcnews.com/_news/2012/07/28/13010406-funerals-held-for-3-colorado-shooting-victims?lite

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Hundreds celebrate rare white bison at Conn. farm

GOSHEN, Conn. (AP) ? Dozens of Native Americans wore the traditional garb of their ancestors, sang songs and beat drums on a western Connecticut farm Saturday in celebration of the birth of one of the world's rarest animals ? a white bison.

The miracle calf was officially named Yellow Medicine Dancing Boy at the elaborate ceremony at the Mohawk Bison farm in Goshen in the state's northwestern hills. It was born June 16 at the farm of fourth-generation farmer Peter Fay.

Many Native Americans consider white bison a symbol of hope and unity; some consider their births sacred events. Experts say white bison are as rare as one in 10 million.

Yellow Medicine Dancing Boy is not an albino, and Fay said DNA testing confirmed the animal's bloodlines are pure and there was no intermingling with cattle.

Lakota tribe members from South Dakota were among the hundreds of people who gathered at the celebration. Other tribal elders from the Mohawk, Seneca and Cayuga tribes participated.

Crowds patiently waited by the roadside before slowly marching into the pasture and lining up alongside a fence as the ceremony began. Children squeezed up against their parents and peered through the fence.

Some women were dressed in colorful tunics and other items indigenous to Native American culture, including bracelets, feathers and boots. Men also wore traditional costumes. Those leading the ceremony wore plain and small headdresses.

Fay, 53, runs the farm below Mohawk Mountain and invited Native Americans to the event, which also included a feast and talks by tribe elders.

"I'm almost like the calf to them because I'm the caregiver. They've been here almost every day, teaching me," said Fay, who has a herd of bison tattooed on his right shoulder.

Fay attended a sweat lodge ceremony with the elders on Friday night in Cornwall. The nearly two-hour ceremony was a way to repair damage done to their spirits, minds and bodies. It acted as a prayer for a name for the calf to come to them through the spirits.

Saturday's ceremony was held under an arbor next to a large fire, amid thunder and large dark rain clouds. Marian and Chubb White Mouse, members of the Oglala Lakota tribe in South Dakota, traveled to Goshen from Wanblee, S.D., to lead the ceremony.

Marian White Mouse told the crowd the birth of a white bison is a sign from a prophet, the White Buffalo Calf Woman, who helped them endure times of strife and famine.

"We come with one prayer, one heart and one mind," she said tearfully. "This is truly a miracle. I hope that this one prayer will keep my people together, keep all of us together."

Barbara Threecrow, an elder from the Naticoke tribe who lives in Hudson Valley, N.Y., sat holding a sacred Canupa of beaver skin containing a pipe.

"I believe this is an awakening," Threecrow said. "This is a way of telling people to remember the sacredness of all of life."

Source: http://news.yahoo.com/hundreds-celebrate-rare-white-bison-conn-farm-225923311.html

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Saturday, July 28, 2012

Health and fitness wellness fitness Health net well being Middle The ...

Wellness clinic a United states of america residence wellbeing good care Some helpful alternative precisely what truly it is in reality well being

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Repeated some type of United states of america Residence medical care versions aim interior of supplying the superb probable proper care So that you can mature citizens together with people working as well as In addition to troubles. substantially, This sort of Good care arrives on in-house to those inside requirement; Consequently, only one doesnt need to be required concerning the emotional disorder folks are Truly location via when theyre pressured to enable you to depart some houses. these kind of suppliers comprehend that The elderly require being taken care of in addition to proper care and likewise compassion; and Additionally it is exactly what Some well-trained specialists have become regarded as being responsible for. almost any caregivers might Be sure an individual or maybe your individual dear varieties relish a good with residing theyve wore as much as currently inside the cosiness of These features.

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Source: http://www.health-care-health.co.cc/health-and-fitness-wellness-fitness-health-net-well-being-middle-the-usa-residence/

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Check Out Many Of These Great Sportfishing Recommendations ...

Sport fishing is definitely a great way to supply a family group or even to appreciate getting outside. It could be a way to learn about science and biology. Whatever your reason for sportfishing, the following will greatly improve your encounter therefore making you a better fisherman when you go fishing.

Upon having connected a species of fish and it also begins receiving closer to your fishing boat, fall your rod and reel. It should be at waistline level. If your fish swims below your motorboat, place the suggestion of your own rod in the water and adhere to the fish. Observe the species of fish when you can and hold back until it gets tired. When it is tired it can roll to its part.

Sea food are always going to be around regardless of the time of day it can be, but you can find a couple of times through the day that they are much more lively. Early each morning and in the middle of the evening hours are the best instances to trap fish since these are their finest feeding instances.

Decide which kind of species of fish you need to get, and complement your devices to this dimensions and type of fish. For example, your hook dimension must be able to accommodate the average size of your ?focus on? seafood, your lure needs to be the sort of lure that normally attracts this type of sea food, and wights and bobbers must be ideal for the actual size of the species of fish and also the level in which it typically swims.

Tidy up all your wreck while you are completed sportfishing. Tend not to depart wads of sportfishing collection laying around for creatures to acquire tangled in or swallow. Get all outdated hooks and dispose of any equipment that pauses and do not leave it if you keep. Obviously, generally get any rubbish while you are accomplished.

Speak with the residents. In case you are fishing in the new place, talk to the neighborhood anglers, in the hope that they will talk about information and facts along with you. Yet another excellent destination to get advice about where you can find by far the most species of fish reaches a lure and tackle go shopping ? make absolutely certain to acquire plenty of products prior to looking for recommendations!

When searching for sportfishing hooks, remember that the size of the catch receives smaller since the catch number gets larger sized. By way of example, hooks size 10 to 14 would be the littlest ones, and really should be employed to capture crappies, perch and sunfish. Hooks scaled 6 or 8 are somewhat larger sized, and are used for capturing catfish, bass sounds and walleyes.

As was explained before, angling is a great way to reduce stress. There are few issues a lot more comforting when compared to a calm day at the lake. Expertise is key to getting an excellent fisherman. By making the most of the info you study from this short article then using it, you can come to be great at fishing.

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Source: http://getarticles.web-how-to.com/check-out-many-of-these-great-sportfishing-recommendations-2/

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Qualities of a Good Realtor: Tips for Buying and/or Selling Property in

A lot of people who experienced buying and/or selling real estate property in Oshawa that the whole process becomes a lot easier when they hire a real estate agent. Real estate agents are also known as real estate sales people, real estate brokers, or simply, realtors. They make home buyers and home sellers achieve what they aim for, and make the complicated process of buying and selling real estate a lot less complicated ? but that is if you will be able to find yourself a good one.

Works Full Time

A good realtor is committed to his job, thus making it his full time work. A lot of part-time realtors, as the name suggests, are not completely focused in the real estate industry or market. Full time real estate agents are more knowledgeable with the current trends in the real estate market and will be able to give you a more stringent detail on things that you need to know whether you are buying or selling real estate property.

Professional

Another sign of a good real estate agent is that he represents his client?s best interest professionally. He discloses in writing whom he is representing as an agent and thoroughly makes it known to all parties involved all the pertinent and essential details of the transaction. This keeps everybody in the loop, and makes way for everyone to use their right to choose and decide at their will.

Skilled and Experienced

You can trust a real estate agent when he does his best to engage you with his knowledge about the market and the community. When dealing with a buyer; a good real estate agent discusses the details of a particular community where the house is. He will point out the good and the bad in a house because his goal is not just to sell but to make sure that the buyer will have an informed decision that he or she will not regret long after the house is already sold. When dealing with a seller, he will be on top of his game when making negotiations. He manages to be fair about pricing and he makes it a point that the seller is satisfied for the worth that the house will be sold, considering the factors that determines the price of the property.

Continuously Educates Himself

A realtor that has an initiative to update him about the real estate market and educates himself continuously often brings the best deals both for home buyers and home sellers that are his clients. To know the current neighborhood trends, current market pricing, or real estate housing conditions, it takes a regular deal of study and analysis for a responsible real estate agent.

Has Access to a Multiple Listing Service or MLS

MLS is simply a bible of current properties for sale that a real estate agent can offer home buyers to conveniently look at. Basically done online, it saves time for home buyers, and opens more opportunities for offers to home sellers.

In conclusion, a good realtor makes home buying and home selling process a lot easy and less stressful for people who aim to buy or sell properties.

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Source: http://www.oshawahomesforsale.com/qualities-of-a-good-realtor-tips-for-buying-andor-selling-property-in-oshawa

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Friday, July 27, 2012

MU receives $13.3 million grant to provide better health care at a lower cost

MU receives $13.3 million grant to provide better health care at a lower cost [ Back to EurekAlert! ] Public release date: 26-Jul-2012
[ | E-mail | Share Share ]

Contact: Michael Muin
muinm@health.missouri.edu
573-884-7541
University of Missouri School of Medicine

High-tech, high-touch care model combines technology with education for patients and providers

An innovative way to deliver better patient care at a lower cost will be developed at the University of Missouri with support from a $13.3 million grant. MU will use the new federal funding to combine advanced technology with education for patients and providers in an effort to transform the nation's health care system.

From approximately 3,000 applications for federal Health Care Innovation Award funding, 107 programs were selected to receive grants. MU received $13.3 million to create a program called LIGHT2: Leveraging Information Technology to Guide High Tech, High Touch Care.

"The high-tech component will give patients and providers new information technology for improving the health of individuals as well as entire populations, such as groups of patients with chronic illnesses," said Jerry Parker, PhD, director of LIGHT2 and associate dean for research at the MU School of Medicine. "The high-touch component will teach patients and providers to use this new technology to create a health care system that is more comprehensive, better coordinated, and empowers patients to take control of their own health status."

The high-tech component of LIGHT2 leverages MU's partnership with Cerner Corporation, the world's leading supplier of health information technology. MU and Cerner formed the Tiger Institute for Health Innovation in 2009 to innovate health care, connect Missouri and empower wellness. Since then, University of Missouri Health Care has been designated as one of the nation's "Most Wired" hospital systems, and one of the institute's projects for managing chronic disease was recognized nationally by the College of Healthcare Information Management Executives.

As LIGHT2 partners, MU and the Tiger Institute will create a comprehensive technology suite that empowers patients with information to proactively manage their care and enables providers to continuously improve their care delivery. More advanced electronic health records will make it easier for providers to monitor the status of individual patients as well as groups of patients. At the same time, patients will be able to access their own records and receive information to help them engage in their own health care. For example, patients will receive reminders about preventive screenings and medication adherence, and they will use online education modules to better manage their individual health conditions.

"Through the Tiger Institute, Cerner is excited to collaborate with the University of Missouri to create the enhanced heath care technology needed to bring this project to life," said Joanne Burns, executive director of the Tiger Institute and chief information officer for MU Health Care. "Its impressive when you realize that this award now allows for faster delivery of a new and innovative health care model."

The high-touch component of LIGHT2 will develop a specialized workforce that will be deployed in the primary care setting. This new workforce is made up of health care coordinators and health information analysts (HIA). The HIA role is a new and innovative type of health care worker who will focus directly on the health status and care needs of a specific patient population. HIAs will be able to use LIGHT2 to mine data that can elucidate the health care needs of their assigned patient population, which would otherwise remain obscure to providers.

LIGHT2 will initially serve nearly 10,000 Medicare and Medicaid beneficiaries who receive primary care at MU. Through support for disease self-management, improved delivery system design, focus on preventive care, and better decision-making tools, LIGHT2 is expected to save $17 million in health care costs over the next three years.

LIGHT2 also will train an estimated 420 workers and create approximately 30 jobs.

"Our efforts will result in healthier and more satisfied patients, as well as reduced health care costs," said Robert Churchill, MD, Hugh E. and Sarah D. Stephenson Dean of the MU School of Medicine. "MU's medical school is proud to receive this impressive federal grant, which will help us continue to lead improvements in health, education, research and the economy."

In addition to Burns and Parker, who also serves as co-director of the MU Institute for Clinical and Translational Science, other LIGHT2 leaders include Karl Kochendorfer, MD, director of clinical informatics for MU's family and community medicine department; Lori Popejoy, PhD, assistant professor and ?John A. Hartford Foundation Claire M. Fagin Fellow at MU's Sinclair School of Nursing; and Eduardo Simoes, PhD, chair of MU's Department of Health Management and Informatics.

"A strong factor in our winning this competitive award was the University of Missouri Health System's strengths as an academic medical center. These strengths include multidisciplinary teams of clinicians and researchers from MU Health Care and MU's schools of medicine, nursing and health professions, plus our strong public-private partnership with the Cerner Corporation through the Tiger Institute for Health Innovation," said Hal Williamson, MD, vice chancellor for the University of Missouri Health System. "Together, we'll use this new federal grant to achieve better health outcomes for patients at a lower cost, and potentially create a new model for health care in our nation."

###

The project described was supported by Funding Opportunity Number CMS-1C1-12-0001 from Centers for Medicare and Medicaid Services, Center for Medicare and Medicaid Innovation.


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MU receives $13.3 million grant to provide better health care at a lower cost [ Back to EurekAlert! ] Public release date: 26-Jul-2012
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Contact: Michael Muin
muinm@health.missouri.edu
573-884-7541
University of Missouri School of Medicine

High-tech, high-touch care model combines technology with education for patients and providers

An innovative way to deliver better patient care at a lower cost will be developed at the University of Missouri with support from a $13.3 million grant. MU will use the new federal funding to combine advanced technology with education for patients and providers in an effort to transform the nation's health care system.

From approximately 3,000 applications for federal Health Care Innovation Award funding, 107 programs were selected to receive grants. MU received $13.3 million to create a program called LIGHT2: Leveraging Information Technology to Guide High Tech, High Touch Care.

"The high-tech component will give patients and providers new information technology for improving the health of individuals as well as entire populations, such as groups of patients with chronic illnesses," said Jerry Parker, PhD, director of LIGHT2 and associate dean for research at the MU School of Medicine. "The high-touch component will teach patients and providers to use this new technology to create a health care system that is more comprehensive, better coordinated, and empowers patients to take control of their own health status."

The high-tech component of LIGHT2 leverages MU's partnership with Cerner Corporation, the world's leading supplier of health information technology. MU and Cerner formed the Tiger Institute for Health Innovation in 2009 to innovate health care, connect Missouri and empower wellness. Since then, University of Missouri Health Care has been designated as one of the nation's "Most Wired" hospital systems, and one of the institute's projects for managing chronic disease was recognized nationally by the College of Healthcare Information Management Executives.

As LIGHT2 partners, MU and the Tiger Institute will create a comprehensive technology suite that empowers patients with information to proactively manage their care and enables providers to continuously improve their care delivery. More advanced electronic health records will make it easier for providers to monitor the status of individual patients as well as groups of patients. At the same time, patients will be able to access their own records and receive information to help them engage in their own health care. For example, patients will receive reminders about preventive screenings and medication adherence, and they will use online education modules to better manage their individual health conditions.

"Through the Tiger Institute, Cerner is excited to collaborate with the University of Missouri to create the enhanced heath care technology needed to bring this project to life," said Joanne Burns, executive director of the Tiger Institute and chief information officer for MU Health Care. "Its impressive when you realize that this award now allows for faster delivery of a new and innovative health care model."

The high-touch component of LIGHT2 will develop a specialized workforce that will be deployed in the primary care setting. This new workforce is made up of health care coordinators and health information analysts (HIA). The HIA role is a new and innovative type of health care worker who will focus directly on the health status and care needs of a specific patient population. HIAs will be able to use LIGHT2 to mine data that can elucidate the health care needs of their assigned patient population, which would otherwise remain obscure to providers.

LIGHT2 will initially serve nearly 10,000 Medicare and Medicaid beneficiaries who receive primary care at MU. Through support for disease self-management, improved delivery system design, focus on preventive care, and better decision-making tools, LIGHT2 is expected to save $17 million in health care costs over the next three years.

LIGHT2 also will train an estimated 420 workers and create approximately 30 jobs.

"Our efforts will result in healthier and more satisfied patients, as well as reduced health care costs," said Robert Churchill, MD, Hugh E. and Sarah D. Stephenson Dean of the MU School of Medicine. "MU's medical school is proud to receive this impressive federal grant, which will help us continue to lead improvements in health, education, research and the economy."

In addition to Burns and Parker, who also serves as co-director of the MU Institute for Clinical and Translational Science, other LIGHT2 leaders include Karl Kochendorfer, MD, director of clinical informatics for MU's family and community medicine department; Lori Popejoy, PhD, assistant professor and ?John A. Hartford Foundation Claire M. Fagin Fellow at MU's Sinclair School of Nursing; and Eduardo Simoes, PhD, chair of MU's Department of Health Management and Informatics.

"A strong factor in our winning this competitive award was the University of Missouri Health System's strengths as an academic medical center. These strengths include multidisciplinary teams of clinicians and researchers from MU Health Care and MU's schools of medicine, nursing and health professions, plus our strong public-private partnership with the Cerner Corporation through the Tiger Institute for Health Innovation," said Hal Williamson, MD, vice chancellor for the University of Missouri Health System. "Together, we'll use this new federal grant to achieve better health outcomes for patients at a lower cost, and potentially create a new model for health care in our nation."

###

The project described was supported by Funding Opportunity Number CMS-1C1-12-0001 from Centers for Medicare and Medicaid Services, Center for Medicare and Medicaid Innovation.


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AAAS and EurekAlert! are not responsible for the accuracy of news releases posted to EurekAlert! by contributing institutions or for the use of any information through the EurekAlert! system.


Source: http://www.eurekalert.org/pub_releases/2012-07/uoms-mr072612.php

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Video: Pending Home Sales Slips 1.4%

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Source: http://video.msnbc.msn.com/cnbc/48336964/

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New biomarker for common lung cancer predicts responses to chemotherapy

New biomarker for common lung cancer predicts responses to chemotherapy [ Back to EurekAlert! ] Public release date: 26-Jul-2012
[ | E-mail | Share Share ]

Contact: Lisa Lyons
elyons@cell.com
617-386-2121
Cell Press

Patients with the most common type of lung cancer are notoriously insensitive to chemotherapy drugs, including cisplatin. New findings related to the cellular pathways that regulate responses to cisplatin have now been published by Cell Press on July 26th in the journal Cell Reports. The findings reveal a potential biomarker that can be used to predict how these patients will respond to chemotherapy, as well as the patients' overall prognosis, paving the way for personalized treatment strategies.

Non-small cell lung cancer (NSCLC) is one of the leading causes of cancer-related death in men, and it is frequently treated with cisplatin. However, responses are often brief and ineffective because cancer cells become resistant to cisplatin-induced cell death. "We were interested in finding new genes, proteins, and pathways that would govern the response to cisplatin and might explain cisplatin resistance," says senior study author Guido Kroemer of INSERMthe French National Institute of Health and Medical Research.

To identify factors that affect whether cells die in response to cisplatin, Kroemer and his team performed a genome-wide screen in which they interfered with the expression of tens of thousands of genes in cells from patients with NSCLC. They identified 85 factors that modify drug responses, including pyridoxal kinase (PDXK), an enzyme that converts vitamin B6 precursors into their active form.

Treatment with a vitamin B6 precursor enhanced the anti-tumor effects of cisplatin in mouse models of lung cancer and promoted cisplatin-induced death in a variety of cancer cell lines, but only when PDXK was present. Moreover, NSCLC patients with high expression levels of PDXK had higher survival rates than those with low levels of the enzyme, regardless of whether they were being treated with cisplatin.

Together, the findings point to PDXK as an easy-to-monitor potential biomarker for predicting both the responses of NSCLC patients to cisplatin and their general outcomes. "Patients who have high levels of PDXK might benefit from combination therapies of cisplatin and vitamin B6," Kroemer says. "However, for those patients whose tumors express low levels of PDXK, new strategies of cancer treatment have to be developed."

###

Galluzzi et al.: "Prognostic Impact of Vitamin B6 Metabolism in Lung Cancer."



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AAAS and EurekAlert! are not responsible for the accuracy of news releases posted to EurekAlert! by contributing institutions or for the use of any information through the EurekAlert! system.


New biomarker for common lung cancer predicts responses to chemotherapy [ Back to EurekAlert! ] Public release date: 26-Jul-2012
[ | E-mail | Share Share ]

Contact: Lisa Lyons
elyons@cell.com
617-386-2121
Cell Press

Patients with the most common type of lung cancer are notoriously insensitive to chemotherapy drugs, including cisplatin. New findings related to the cellular pathways that regulate responses to cisplatin have now been published by Cell Press on July 26th in the journal Cell Reports. The findings reveal a potential biomarker that can be used to predict how these patients will respond to chemotherapy, as well as the patients' overall prognosis, paving the way for personalized treatment strategies.

Non-small cell lung cancer (NSCLC) is one of the leading causes of cancer-related death in men, and it is frequently treated with cisplatin. However, responses are often brief and ineffective because cancer cells become resistant to cisplatin-induced cell death. "We were interested in finding new genes, proteins, and pathways that would govern the response to cisplatin and might explain cisplatin resistance," says senior study author Guido Kroemer of INSERMthe French National Institute of Health and Medical Research.

To identify factors that affect whether cells die in response to cisplatin, Kroemer and his team performed a genome-wide screen in which they interfered with the expression of tens of thousands of genes in cells from patients with NSCLC. They identified 85 factors that modify drug responses, including pyridoxal kinase (PDXK), an enzyme that converts vitamin B6 precursors into their active form.

Treatment with a vitamin B6 precursor enhanced the anti-tumor effects of cisplatin in mouse models of lung cancer and promoted cisplatin-induced death in a variety of cancer cell lines, but only when PDXK was present. Moreover, NSCLC patients with high expression levels of PDXK had higher survival rates than those with low levels of the enzyme, regardless of whether they were being treated with cisplatin.

Together, the findings point to PDXK as an easy-to-monitor potential biomarker for predicting both the responses of NSCLC patients to cisplatin and their general outcomes. "Patients who have high levels of PDXK might benefit from combination therapies of cisplatin and vitamin B6," Kroemer says. "However, for those patients whose tumors express low levels of PDXK, new strategies of cancer treatment have to be developed."

###

Galluzzi et al.: "Prognostic Impact of Vitamin B6 Metabolism in Lung Cancer."



[ Back to EurekAlert! ] [ | E-mail | Share Share ]

?


AAAS and EurekAlert! are not responsible for the accuracy of news releases posted to EurekAlert! by contributing institutions or for the use of any information through the EurekAlert! system.


Source: http://www.eurekalert.org/pub_releases/2012-07/cp-nbf072612.php

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Thursday, July 26, 2012

$425000 :: 1903 Egan WAY, Lake Oswego OR, 97034 ? Lake ...

Property Photo

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2 beds, 2 full, 1 part baths
Home size: 2,280 sq ft
Lot Size: 16,988 sq ft
Property Type: DETACHD
MLS Number: 12070902

Gracious ranch in coveted Uplands area. Very near OLCC golf course.3rd BR has been converted to a den. Walk-in wet bar. Small add?l office. Huge lot w/fruit trees. Quiet dead-end street. Lake/boat easement.

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The content relating to real estate for sale on this web site comes in part from the IDX program of the RMLS? of Portland, Oregon. All real estate listings are marked with the RMLS? logo, and detailed information about these properties includes the names of the listing brokers. Listing content is ? 2009 RMLS?, Portland, Oregon.


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Source: http://www.97034realestate.com/blog/425000-1903-egan-way-lake-oswego-or-97034-lake-oswego-homes-for-sale-lake-oswego-real-estate-97034-lake-oswego-real-estate-agent/

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Breakaway Alawite state may be Assad's last resort

FILE - In this July 10, 2011 file photo released by the Syrian official news agency SANA and according to them, thousands of supporters of Syrian President Bashar Assad, carry a gigantic 17,500 yards (16,000 meters) Syrian flag during a pro-Assad demonstration, in the Mediterranean city of Latakia, northwest of Damascus, Syria. In the recent sectarian violence in Syria, some observers see a grim pattern: Alawite fighters from President Bashar Assad's minority sect trying to carve out a breakaway region for themselves by driving out local Sunnis, killing entire families and threatening anybody who stays behind. If the regime falls, the Alawite heartland on Syria?s mountainous coast could become a refuge for the community and even Assad himself to fight for survival against the Sunni majority. (AP Photo/SANA, File) EDITORIAL USE ONLY

FILE - In this July 10, 2011 file photo released by the Syrian official news agency SANA and according to them, thousands of supporters of Syrian President Bashar Assad, carry a gigantic 17,500 yards (16,000 meters) Syrian flag during a pro-Assad demonstration, in the Mediterranean city of Latakia, northwest of Damascus, Syria. In the recent sectarian violence in Syria, some observers see a grim pattern: Alawite fighters from President Bashar Assad's minority sect trying to carve out a breakaway region for themselves by driving out local Sunnis, killing entire families and threatening anybody who stays behind. If the regime falls, the Alawite heartland on Syria?s mountainous coast could become a refuge for the community and even Assad himself to fight for survival against the Sunni majority. (AP Photo/SANA, File) EDITORIAL USE ONLY

FILE- In this file photo released by the Syrian official news agency SANA on July 15, 2011, Syrian soldiers carry the coffin of a killed comrade who was reportedly killed in recent violence in the country, outside a hospital in the western province of Tartous, Syria. In the recent sectarian violence in Syria, some observers see a grim pattern: Alawite fighters from President Bashar Assad's minority sect trying to carve out a breakaway region for themselves by driving out local Sunnis, killing entire families and threatening anybody who stays behind. If the regime falls, the Alawite heartland on Syria?s mountainous coast could become a refuge for the community and even Assad himself to fight for survival against the Sunni majority. (AP Photo/SANA, File) EDITORIAL USE ONLY

FILE - In this file this frame grab made from an amateur video provided by Syrian activists on May 28, 2012, purports to show the massacre in Houla on May 25 that killed more than 100 people, many of them children. The amateur footage shows people running along a street, purportedly just after the attack on Houla started. In the recent sectarian violence in Syria, some observers see a grim pattern: Alawite fighters from President Bashar Assad's minority sect trying to carve out a breakaway region for themselves by driving out local Sunnis, killing entire families and threatening anybody who stays behind. If the regime falls, the Alawite heartland on Syria?s mountainous coast could become a refuge for the community and even Assad himself to fight for survival against the Sunni majority.(AP Photo/Amateur Video via AP video, File) THE ASSOCIATED PRESS IS UNABLE TO INDEPENDENTLY VERIFY THE AUTHENTICITY, CONTENT, LOCATION OR DATE OF THIS CITIZEN JOURNALISM IMAGE

FILE - In this file photo released by the Syrian official news agency SANA on July 19, 2012, Syrian President Bashar Assad, left, meets with Fahd Jassem al-Freij, Syria's new Defense Minister, in Damascus, Syria. In the recent sectarian violence in Syria, some observers see a grim pattern: Alawite fighters from President Bashar Assad's minority sect trying to carve out a breakaway region for themselves by driving out local Sunnis, killing entire families and threatening anybody who stays behind. If the regime falls, the Alawite heartland on Syria?s mountainous coast could become a refuge for the community and even Assad himself to fight for survival against the Sunni majority. (AP Photo/SANA, File)

(AP) ? In the recent sectarian violence in Syria, some observers see a grim pattern: Alawite fighters from President Bashar Assad's minority sect, they say, are trying to carve out a breakaway enclave for themselves by driving out local Sunnis, killing entire families and threatening anybody who stays behind.

The Alawite sect that makes up the backbone of Assad's regime has historically been centered in towns and villages of Syria's mountainous Mediterranean coast. If the regime falls, that heartland could become a refuge for the community ? and even for Assad himself ? from which to fight for survival against a Sunni majority that has long resented their domination.

That would mean a bloody Balkanization of Syria's 17-month-old conflict, an ominous scenario for a country that sits along the Middle East's most turbulent fault lines. Any attempt to create a breakaway state could trigger a wave of sectarian killings and have dangerous repercussions in a region where many religious, ethnic and tribal communities have separatist aspirations.

Already, there has been a degree of demographic shift: Sunnis and Alawites both have for months been fleeing the worst hit areas of the country for safety, mainly with their communities. The past week, as Assad's firm grip on the key cities of Damascus and Aleppo ? two longtime bastions of support ? appeared to be wobbling, there were reports of Alawites streaming from hotspots into the area along the Mediterranean coast in the north of the country.

But activists and opposition groups believe Assad and members of his power base are going further and are preparing an Alawite stronghold. Recent killings in overwhelmingly Sunni villages close to Alawite communities, they say, are meant to lay the groundwork.

"The idea for Assad to hold all of Syria as we know it, has become very difficult now," said Elias Hanna, a Beirut-based strategic analyst. "Falling back on an Alawite state is his plan B."

An offshoot of Shiite Islam, the Alawite sect represents little more than 10 percent of the population in Syria. Prior to their ascent in the mid-20th century, the Alawites were impoverished and marginalized, largely confined to the mountains of the province of Latakia on the Mediterranean coast. Most of those who left the area did so only to work at menial jobs such as housekeepers and gardeners for well-off Sunni patrons.

Under French mandate, the Alawites were granted an autonomous territory stretching in a band along the coast from the Lebanese border to the Turkish border. It lasted a few years until 1937, when their state was incorporated into modern-day Syria.

After the 1963 coup that brought the Baath Party to power, Alawites began consolidating their presence in the government and armed forces. When Hafez Assad took power in a 1970 coup, he stacked key military posts with Alawites, ensuring army loyalty.

His son Bashar, who succeeded him in 2000, continued the policy. A U.N. report estimated last year that Alawites make up the majority of the officer corps of the armed forces, the Republican Guard and the feared 4th Division, commanded by Assad's brother Maher.

The Assad dynasty has long tried to push a secular identity in Syria, and Bashar's wife, Asma, is a Sunni from Homs. But he has relied heavily on Alawites in the military and security forces to try to crush the uprising that began against his rule in March 2011. Pro-regime vigilante groups, known as Shabiha and largely made up of Alawites, have carried out killings of Sunnis and opposition activists.

This disproportionate power has bred resentment among Sunnis, who make up most of Syria's 22 million people and are the base of the opposition. Some Alawites have joined the revolt against Assad. But like other Syrian minorities, they have stood largely by him for fear of what might befall them in case a hardline Sunni regime takes over.

Observers say thousands of Alawites have left their homes in war-shattered cities such as Homs, for the relative safety of the overwhelmingly Alawite provinces of Tartous and Latakia. The beach resorts in the port city of Tartous in particular, about an hour and a half drive west of Homs, have become a refuge for Alawites seeking to escape the violence ? as well as for some Sunnis, a sign the sectarian split is not completely clear-cut.

"I feel safer here," said a 27-year-old Alawite banker who left Homs to settle for now in Tartous.

"I'm not a fan of Bashar, but I'm really worried about what will happen if he goes," he said, speaking on condition of anonymity out of fear for his safety.

He left his home during the height of a government siege of opposition neighborhoods of Homs earlier this year. The city has also been the scene of tit-for-tat killings between Sunnis and Alawites.

"In Homs, those who call themselves the Free Syrian Army are terrorizing people," the banker said, referring to rebels. "My friend was kidnapped in May and to this day we don't know anything about him."

The U.S. security think tank, Stratfor, said "signs are now emerging that the regime's minority Alawite constituency has lost faith in the sustainability of the Assads" and are making preparations just in case.

The Texas-based intelligence analysis firm said that amid the heavy fighting in Damascus and Aleppo the past week, hundreds of Alawites fled to the Syrian coast, going through neighboring Lebanon to avoid the direct road to the coast, which cuts through Homs.

Mass killings in the villages of Houla in May and Qubeir in June fueled speculation that the regime is preparing to carve out an Alawite enclave in its heartland. The two Sunni villages, each surrounded by Alawite towns, lie near main routes into the sect's coastal strip.

Dozens were killed in to attacks in the two villages, which followed a similarly gruesome pattern of fierce government shelling and in some cases Shabiha forces going house to house and killing civilians.

Details of what exactly unfolded in Houla and Qubeir are unclear to this day. The areas were blocked to U.N. observers for days, and journalists are faced severe restrictions in Syria. The government blames gunmen driven by a foreign agenda of the killings, but there have been reports by the U.N. and other witnesses confirming that at least some of killings were carried out by pro-regime Alawite gunmen.

Hanna said such violence aimed to force out Sunnis and create a buffer. "They are securing the line of logistics to regime forces to protect coastal areas in the next phase."

Mohammad Saleh, a centrist Alawite who is with the opposition in Homs, said any attempt to physically carve out enclaves would be difficult.

"Yes, there are people working on dividing Syria. Yes, there may be factions within the regime dreaming of an Alawite state, but the majority in Syria from all sects are dead against it," he said in a telephone interview.

"The existing demographic overlap makes it extremely difficult to implement," he added.

Analysts say Assad may be thinking of retreating to the coastal mountains of Latakia, much like Libyan leader Moammar Gadhafi retreated to his hometown of Sirte for his final stand before he was killed in October.

But if Sunni rebels take Damascus, resistance in an Alawite enclave could not hold out, wrote University of Oklahoma professor Joshua Landis, who runs a popular blog on Syria.

"Assad has done nothing to lay the groundwork for an Alawite state," he said. "There is no national infrastructure in the coastal region to sustain a state: no international airport, no electric power plans, no industry of importance, and nothing on which to build a national economy."

"Whoever owns Damascus and the central state will own the rest of Syria in short order."

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/cae69a7523db45408eeb2b3a98c0c9c5/Article_2012-07-25-Syria-Alawite%20State/id-bb2607add5a7489789aa31ad8add16fd

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Stop Foreclosure After A Failed Negotiation With Your Creditors

3:00 AM By Article Directory

'; div.innerHTML = summary; } //]]> Stop Foreclosure After A Failed Negotiation With Your Creditors Stop Foreclosure After A Failed Negotiation With Your Creditors If you find yourself in a state of foreclosure, you should know your options. Like many Americans today, you might have lost employment or become tied to a variable rate mortgage that simply rose to a price from your reach. If this sounds like the situation, you may be along the way of foreclosure. Although there really are a multitude of options, talking with the mortgage holder is among the steps to consider.

However, if that doesn't work there are other ways to stop foreclosure after a failed negotiation with your creditors. The best option is to attempt the borrowed funds modification process. This method could be complicated and requires advanced knowledge of how to work with the bank or mortgage holder. There are a number of companies that offer services and solutions in this way. These businesses will work with you and also the current mortgage server to find the best options available for you. A powerful level of diplomatic skills are required and these companies will help with their best effort to acquire a mortgage loan modification.

Once successful, you can receive a new mortgage that is fixed and secure and usually lasts for 3 decades. The most important factor in choosing one of these companies to locate one that's up to the challenge and it has experience handling this matter.

You will find choices to stop foreclosure following a failed negotiation with your creditors. You just need to get in contact with the right persons, those that have a lot of experience in the loan modification or mortgage refinance field. There are lots of companies that provide stop foreclosure assistance- getting assist with mortgage loan modification papers. Beware, there are also many scams out there which will take your hard earned money and be of no help whatsoever. More often than not you can ask your lender to assist by utilizing some kind of mortgage loan modification. This really is indeed the easiest way to obtain stop foreclosure assistance.

NOTE: By researching and comparing the home mortgage loan modification companies in the market, you will determine the one that meets your very specific financial situation.

You are very welcome to visit the Stop Foreclosure Loans website - where you can review the best resources to stop foreclosure.

Source: http://business-negotiation.blogspot.com/2012/07/stop-foreclosure-after-failed.html

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Approaches For Working With Virtual Assistants To Maximise Your ...

While a good qualified virtual assistant in London can assist a home business entrepreneur within a myriad of different areas, perhaps the place where they can absolutely come alive is inside the arena involving internet marketing. There?s a lot of different strategies in the field of online promotion and it might indeed be described as a challenging environment for someone that wants, all things considered, to concentrate on daily small business operations. A business person who really hasn?t got any time to explore the intricacies within the online world may think that this style of marketing is all about attempting to persuade Google to recognise your site as a niche market leader. However although SEO in this way is still an essential part of Internet promotion, it really is far from the only avenue in town. Of course, on account of recent significant and somewhat frequent changes in the principles that Google makes use of to determine exactly who ranks where and when, many online promotion authorities are strongly suggesting that search engine optimisation is regarded as only a portion of your online marketing endeavours.

Needless to say probably the most important component of your own strategy really needs to be the principle website and/or a blog. That?s the place where many individuals elect to begin and first contact a good virtual assistant as they develop their particular presence. Do not forget that you ought to do a great deal of research before you even register a domain name, as you have to settle on the appropriate keyword selection by means of adequate market analysis before you begin to trying to secure your niche. Your VA may well suggest you focus on your domestic sector or perhaps might point to endeavours to work in much wider markets subject to your overall goal in business. Tech concerns like this can certainly make a sizeable difference with regards to business success on the Net.

After you have identified your general marketing approach and also have created a blog and website presence it?s essential to allocate resources along with your virtual assistant to make certain good quality content is generated regularly and that the site is kept up to date frequently. Educational and informative content pieces linked to your niche, when released and distributed successfully online, can certainly serve to identify you as an expert within your specific domain. Furthermore, talk together with your personal qualified virtual assistant in the UK on the subject of crafting and posting press releases that publicise to the world what you are doing in addition to what you?re really bringing into the market in the form of a very good product or solution. PR announcements have grown to be an increasingly important component of a general online marketing approach, while e-mail advertising and marketing utilising an autoresponder programme is another good means of diversifying your portfolio.

Presently, so long as you might prefer to see a bit more on the subject of virtual assistance, please make sure to start looking to receive new information => More Info

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Source: http://www.egysweet.com/approaches-for-working-with-virtual-assistants-to-maximise-your-online-promotion-programme/

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