Wednesday, February 29, 2012

Rio De Janeiro Real Estate Investment And Day Trading With ...

Among the fastest growing business establishments right now are those that stay hidden from the naked eyes of the general public but earn the biggest quantity of capital over a short period of time; Proprietary trading firms and real estate investing in Rio de Janeiro apartments is what they are known as. They include on line day trading, forex trading, stock trading and Rio de Janeiro real-estate for sale. Ever since proprietary trading became one of the biggest and fastest earning varieties of enterprises, a great deal of men and women became interested in finding a formal or adequate education regarding it. They would like to fully realize what the enterprise is about and just how it works.

A number of years back, trading firms and Rio de Janeiro penthouses real estate property speculators were about the trading business itself. They get apartments for sale and stocks and trade them. They either did it on-line or at a trading venue where everybody else already knew the industry. However today, prop trading firms aren?t just all about the business itself. It could also be an educational firm, a support for all those who are seeking to have the education they require in order for them to learn on-line day trading, real estate investing, stock trading and all else they should know concerning the business.

Besides doing the specific trading, trading firms also give classes that train future investors concerning the diverse trading techniques and the way to use them that for success. The courses are typically made convenient for all those who have other careers and would just like fit trading education into their hectic agenda. The proprietary trading and Rio de Janeiro penthouses for sale real-estate seminars starts from the most simple lectures on what the market is all about and how it works up to ways to become a profitable investor.

If aspiring investors are interested in carrying out an independent on-line day trading business at home, prop trading firms give valuable computer software which are programmed using the very best trading strategies. But for all those who want to be a component from the firm that they?ve trained with and would like to pursue profitable trading careers, most firms would typically just absorb them and let them share in their earnings.

Trading firms also offer you online classes for those who have other careers and have little time they can afford for another understanding method. Some present weekend classes if the you do not like the concept of a self guided on-line study course. Some future investors would also just wait for in person classes being performed every once in awhile by most trading firms to accommodate those who can only get few days off from their current jobs. The seminars are generally conducted by the top traders who?ve the best experiences to share.

Boost up your chances for financial success with rio de janeiro houses for sale professional aid. Moreover, there are classes on the market for the trading education market.

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Source: http://www.tampabaytimes.co/rio-de-janeiro-real-estate-investment-and-day-trading-with-proprietary-trading-firms/?utm_source=rss&utm_medium=rss&utm_campaign=rio-de-janeiro-real-estate-investment-and-day-trading-with-proprietary-trading-firms

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Tuesday, February 28, 2012

Higher death risk with sleeping pills

ScienceDaily (Feb. 27, 2012) ? People are relying on sleeping pills more than ever to get a good night's rest, but a new study by Scripps Clinic researchers links the medications to a 4.6 times higher risk of death and a significant increase in cancer cases among regular pill users.

The results, published?February 27 by the open-access online journal BMJ Open, cast a shadow over a growing segment of the pharmaceutical industry that expanded by 23 percent in the United States from 2006 to 2010 and generated about $2 billion in annual sales.

The possible health hazards

"What our study shows is that sleeping pills are hazardous to your health and might cause death by contributing to the occurrence of cancer, heart disease and other ailments," said author Daniel F. Kripke, MD, of the Viterbi Family Sleep Center at Scripps Health in San Diego.

The research is the first to show that eight of the most commonly used hypnotic drugs were associated with increased hazards of mortality and cancer, including the popularly prescribed medications zolpidem (known by the brand name Ambien) and temazepam (also known as Restoril), Dr. Kripke said. Those drugs had been thought to be safer than older hypnotics because of their shorter duration of action.

Study participants who took sleeping pills were matched with control patients of similar ages, gender and health who received no hypnotics in order to eliminate the possibility that other factors led to the results.

"We tried every practical strategy to make these associations go away, thinking that they could be due to use by people with more health problems, but no matter what we did the associations with higher mortality held," said co-author Robert D. Langer, MD, MPH, of the Jackson Hole Center for Preventive Medicine in Jackson, Wyoming.

Even among patients who were prescribed 1 to 18 sleeping pills per year, the risk of death was 3.6 times higher than among similar participants who did not take the medica-tions. The study looked at patients aged 18 years and older, and found the increased risk in all age groups.

Sleeping pills and cancer

Rates of new cancers were 35 percent higher among patients who were prescribed at least 132 hypnotic doses a year as compared with those who did not take the drugs.

Using data stored in an electronic medical record that has been in place for more than a decade, the researchers obtained information on almost 40,000 patients cared for by a large integrated health system in the northeastern United States.

The study included 10,531 sleeping pill users who were prescribed the medications for an average of 2.5 years and 23,674 control participants who were not prescribed the drugs. Information came from outpatient clinic visits conducted between Jan. 1, 2002, and Sept. 30, 2006.

"It is important to note that our results are based on observational data, so even though we did everything we could to ensure their validity, it's still possible that other factors explain the associations," said co-author Lawrence E. Kline, DO, who is medical director of the Viterbi Family Sleep Center. "We hope our work will spur additional research in this area using information from other populations."

Funding for the study came from the Scripps Health Foundation and other philanthropic sources.

Alternatives to medication

The BMJ Open report should prompt physicians to consider alternatives to hypnotic medications, Dr. Kline said.

Clinicians at the Viterbi Family Sleep Center focus on cognitive therapy that teaches patients to better understand the nature of sleep. For example, some people suffering from insomnia might require less than the eight hours of sleep commonly recommended for each night.

Patients also can benefit from practicing good sleeping habits and relaxation, as well as taking advantage of the body's natural clock, which is driven by the rising and setting of the sun, Dr. Kline said. "Understanding how to use the circadian rhythm is a very powerful tool that doesn't require a prescription," he said.

When insomnia results from emotional problems such as depression, doctors should treat the psychological disorder rather than prescribe sleeping pills that could prove to be harmful, Dr. Kripke said.

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Story Source:

The above story is reprinted from materials provided by Scripps Health.

Note: Materials may be edited for content and length. For further information, please contact the source cited above.


Journal Reference:

  1. Kripke DF, Langer RD, Kline LE. Hypnotics? association with mortality or cancer: a matched cohort study. BMJ Open, 2012;2:e000850 DOI: 10.1136/bmjopen-2012-000850

Note: If no author is given, the source is cited instead.

Disclaimer: This article is not intended to provide medical advice, diagnosis or treatment. Views expressed here do not necessarily reflect those of ScienceDaily or its staff.

Source: http://feeds.sciencedaily.com/~r/sciencedaily/~3/rtVoKezUdcg/120227204830.htm

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mBlox Launches New Cloud-Based Mobile Marketing Platform: Engage

Screen shot 2012-02-27 at 7.24.04 AMYou rarely ever hear someone say, "boy, I sure did enjoy that mobile ad." In fact, it's rare to hear someone say they enjoyed any ad unless it's around Super Bowl time. But I hold firmly to the belief that the only reason we don't really enjoy ads is because, most of the time, they aren't under our control. Relevancy and context are the most important factors when it comes to delivering an ad, and mBlox is aware of this. So in an effort to help brands solidify their relationships to consumers, mBlox has launched a cloud-based system called Engage, which offers real-time location-based analytics and reporting.

Source: http://feedproxy.google.com/~r/Techcrunch/~3/Yw6YPgIXqgE/

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Monday, February 27, 2012

Get the most out of your celebrity obsessions with these iPhone gossip apps (Appolicious)

The Oscars may be just around the corner, but celebrity gossip doesn?t start and stop with award shows. As the E! Network knows, gossip is a 24/7/365 sort of industry. If you feel like you?ve fallen out of touch with your favorite fame-hounds, check out these celeb-friendly apps.

If you?re tired of trolling dozens of gossip websites and blogs just to figure out what your favorite celebrity looks like when they first wake up, Gossip Junkie has the medicine you need. The app aggregates numerous celeb-first sites like Celebuzz, But You?re Like Really Pretty, Perez Hilton, E! Online and more. Gossip Junkie even supports push notifications so you won?t even have to check the app to know something crazy just happened to the rich person with whom you?re obsessed.

TMZ (Free)

Celebrity news is best digested when it?s being delivered by a camera hastily put into a famous person?s face, and that?s why we have the TMZ app. TMZ offers a mix of articles and videos to keep you up-to-date on the latest in famous people. Not only can you watch TMZ TV clips, but you can read recaps of all the relevant award shows, even the upcoming Oscars.

Wonderwall works like a smorgasbord of the best features of celebrity-focused apps. There is, of course, the requisite celebrity news and gossip in the app. You can also check out photo galleries of your favorite celebs doing their celebrity thing. But Wonderwall also works outside the box to provide celebrity love advice, features on celebrity fashion, and original interviews with famous folks. Whatever your focus, it?s likely contained in Wonderwall.

I probably utter, ?Wait, [that celebrity] is still alive? Are you sure?? at least once a week. If you?re like me you might also enjoy the Celebrity Dead or Alive app. It?s a simple quiz that lets you test whether you?re aware of the health of thousands of celebrities in five, 10, 15, or 20 question increments. If you demand more, you can try out the marathon mode where questions never stop. The app also contains a party mode where you can pass your iPhone around to see who knows the most about dead celebrities.

If you prefer to be quizzed on more than whether a celebrity is still alive or not, Celebrity Quiz is the app you?re looking for. Celebrity Quiz features questions like ?Who was the first actress to appear on the cover of Life magazine?? The app also keeps a high score list so you can

Source: http://us.rd.yahoo.com/dailynews/rss/applecomputer/*http%3A//us.rd.yahoo.com/dailynews/external/appolicious_rss/rss_appolicious_tc/http___www_appolicious_com_articles11145_get_the_most_out_of_your_celebrity_obsessions_with_these_iphone_gossip_apps/44650413/SIG=13r4sca7d/*http%3A//www.appolicious.com/omg/articles/11145-get-the-most-out-of-your-celebrity-obsessions-with-these-iphone-gossip-apps

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Sunday, February 26, 2012

Review 1: Reference PTCEDH_12_01 ? ptcedh

General comments

The submitted article provides an account of the difficult times education in Tanzania is going through. In particular, it describes the decline in academic performance, with and emphasis on secondary school students. Although this is a topic which is recurrently addressed in the literature, it is always of interest given the importance for all countries of improving the opportunities to access to education, as well as improving qualitatively and quantitatively the educational quality of a country?s educational system.
Yet, the presentation and discussion of results presented in the aricle is too superficial. The fact that a study is defined as descriptive does not imply that it is simply sufficient to transfer numeric data in tables to written language in the body of the text. It is necessary to give substance to the descriptive analysis through the use of conceptual and theoretical elements that need to be previously worked out in the paper. It is essential to remember that theoretical elements should be considered tools for the interpretation of the data extracted from the social world.

Suggestions

The suggestions outlined below focus on the following issues: 1) context of the study 2) theoretical aspects, 3) methodological decisions and 4) presentation of results and conclusions.

1) At the level of context: The information that is presented should be elaborated and this would contribute to make the text much more comprehensible. For example, more should be said about the distinction between the types of secondary schools that is mention in the paper or about the teacher development programs to which are discussed.

(2) At a conceptual theoretical level: I think it is important to developing some concepts, especially those referred to the quality of the educational system and the opportunity structure present in society. This should be done paying particular attention to access to formal education, since these are the concepts that would develop the analysis of the data provided.

(3) At a methodological level: There are some deficiencies that can be solved by paying more attention to aspects of internal coherence of the research design. A first issue is related to sampling procedures, not explicit criteria is presented to definition of the study population or the sample size and the paper only presents the mechanisms used to select samples. As regards the type of study that is presented in the paper, the author argues that it is a study with a descriptive aim, however, the results that are presented are oriented towards ?factors which lead, to a greater or lesser extent, to the decrease in academic performance of the students?, thus in effect a causal logic prevails.

(4) At the level of the presentation and discussion of results and the conclusions of the study: Despite the descriptive goal of the paper, all effort is (discursively) aimed at proposing the existence of factors which explain the decline in the academic performance of students in recent years. From my perspective, the information on which the conclusions draw does not do allow to do this; in other words, conclusions and presented results do arise directly from the data that was collected. This question of internal coherence should be reviewed.

Final assessment

Although the main topic of the article is of permanent interest, it is also very important to address the aspects outlined above. In the current version I would not recommended the publication of the article. I would suggest a substantial revision which paid special attention to the conceptual and theoretical aspects and the issues internal coherence of the study presented above (approach goals, conceptual aspects, methodology, results, conclusions).

?

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Source: http://ptcedh.wordpress.com/2012/02/24/review1_ref_ptcedh12_01/

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Saturday, February 25, 2012

Police investigate Best Buy TV porn

22 hrs.

Police are now investigating how porn infiltrated one Best Buy store's Wi-Fi network, forcing the store to issue an apology to shocked customers.

The last thing a family browsing in the TV section at its local Best Buy in Greenville, S.C., expected to see is 55-inches of pornographic images, but that's what happened earlier this week to a woman in the store shopping with her son and grandchildren. She filed a complaint with the Greenville Police Department.

And that's not the only time it happened, as the store's manager admitted it had happened the night before the woman reported her incident. An image was apparently uploaded through the Wi-Fi network and uploaded to a smart TV.


NBC affiliate WECT reported on the apology issued by the chain's corporate office:

"Two individuals accessed our store's wireless signal to broadcast inappropriate content on a smart television display. In both cases, we worked immediately to disable the inappropriate content. We greatly apologize for this unfortunate incident and we are working to ensure that it does not happen again."

UPDATE (9:37 a.m.) -- We reached out to the Greenville Police Department, and Officer Alia Urps told us that they're going through footage from in-store cameras to see who was there those evenings. Police suspect someone using a tablet or other mobile device streamed the image to the smart TV. But because there is no hard drive on the TV, it didn't ?save the offending material.
Officer Urps said that even if they were to find the culprit, "It would be difficult to prove the person sent that particular image." The charge would be disseminating obscene material.

"This is something we?ve not seen before," Urps said. "It'll be good for us to figure out what to do with this one. It'll serve as a foundation for further incidents."

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

Source: http://www.technolog.msnbc.msn.com/technology/technolog/police-investigate-porn-infiltration-best-buy-tv-screens-190267

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Friday, February 24, 2012

Camera Focus, Invalid Password [From the Forums]

Android Central

This is it, folks! The countdown for Mobile World Congress kick-off has begun and you're gonna want to keep it locked to Android Central for all the latest news coming from Barcelona. We've got plenty of people on hand to take it all in and bring it all back to us when things get rolling but in the meantime, check out the Android Central forums for a lot more discussion.

If you're not already a member of the Android Central forums, you can register your account today.



Source: http://feedproxy.google.com/~r/androidcentral/~3/yBZfum2C84g/story01.htm

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Researchers Spot New Gene Mutation Linked to Breast Cancer ...

WEDNESDAY Feb. 22, 2012 -- Scientists have identified a new gene mutation linked to breast cancer.

The mutation is in the Abraxas gene, which interacts with the well-known breast cancer gene BRCA1. Abraxas organizes a large BRCA1 protein-containing complex that is needed to repair DNA damage.

The mutation affects the ability of the Abraxas protein to enter the nucleus and bind to sites adjacent to damaged DNA. This leads to genetic alterations that increase breast cancer risk, Roger Greenberg, an associate professor of cancer biology at the Perelman School of Medicine at the University of Pennsylvania, said in a university news release.

Greenberg and his colleagues screened the members of 125 families in Finland with a history of breast cancer, and found women with both the Abraxas mutation and breast cancer in four families.

The findings, published Feb. 22 in the journal Science Translational Medicine, appears to establish Abraxas as a breast cancer-susceptibility gene, according to the researchers.

It has been known that BRCA genes do not act alone in causing breast cancer, but it has proven difficult for scientists to identify other culprits. In time, this Abraxas mutation may be added to the list of 14 mutations for which women in families with a history of breast cancer can be tested, the researchers said.

More information

The U.S. National Cancer Institute has more about breast-cancer risk.

Posted: February 2012


Source: http://www.drugs.com/news/researchers-spot-new-gene-mutation-linked-breast-cancer-36606.html

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Thursday, February 23, 2012

Sociable Labs? EverShare Adds FB Auto-Sharing And Pinterest Boards To Any Site

Sociable Labs PinbookReferral traffic is spilling out of both Pinterest and Facebook's Open Graph frictionless sharing. With Sociable Lab's licensable EverShare you can snatch their functionality without any serious development work and soak up some page views. EverShare lets you?host your own Pinterest-style product or content boards to give your users their social curation fix. It also?instantly roots your site into Facebook's confusing APIs so purchases, comments, reviews, and pins are automatically blasted at friends of your visitors. Great websites steal, they don't borrow.

Source: http://feedproxy.google.com/~r/Techcrunch/~3/ZRC_U2_KwxY/

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?Do Women Know What They Want?? Relationship Film by Michael ...

Wow! A lot of discussion about what we already know. Sex starts long before the bedroom. If he can satisfy intelligence before you move to the other room, then it will be all night long, kissing, holding, hugging, touching, and again and again. Women know exactly what they want and if the man is really confused, he wasnt listening. So Micheal what is there to figure out? ? were you listening?

Source: http://rosencone.com/archives/5302

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Wednesday, February 22, 2012

Muay Thai Boxing the sport of Champions ? Artikel-Schrijven.com

The origins of Muay Thai are not clear. Muay Thai evolved from Muay Boran, an ancient form of boxing used by soldiers in conjunction with the use of weapons. Muay Thai continued to be a form of combat used in warfare, but developed in to a form of competition used for entertainment for celebrations for kings and religious events. Muay became a means of social advancement, where the nobility would take in skilled Muay fighters as teachers for members of their palaces.

Muay has continued to develop through present day. In the mid 1990s, Thailand renamed Southeast Asian Kickboxing to Muay Thai. Other Southeast Asian countries did not want to follow suit, and their forms of boxing are often called SEA Boxing. Muay Thai has become the stand up combat form of choice for mixed martial arts competitors. Because of this, Kick Boxing has evolved even further to encompass some of the striking techniques used in boxing. Almost all techniques in MTB use the rotation of the entire body when kicking or punching. With this constant rotation of the bodys core, emphasis in training should be on developing core muscle (abdominal muscle) strength.

Striking techniques have evolved in Muay Thai from the use of simple crosses and long circular blows to techniques that incorporate more traditional forms of boxing strikes. Jabs, crosses, upper cuts, and hooks are not part of the Muay Thai repertoire. The elbow can be used as an effective striking weapon in many ways. One of the most common ways to use the elbow is to strike the opponent on the eyebrow, where the skin is close to the bone. The skin can split open, causing your opponent to bleed. The blood flow can impair your opponents vision and it can also cause your opponent to lose focus and to think about being hurt, or the potential of being hurt more. Single elbow moves are common, but a follow up elbow can be used as well. Elbows are very effective means of blocking strikes by an opponent.

There are two favorite kicks in Muay Thai, the Teh and the teep. The teep is a foot jab. The Teh is an angle kick, a rotational move using the whole body. This kick gets its power from the rotation of the body and often a counter rotation of the arms and upper body is used to increase the impact of the kick. Knees and feet are also used in Muay Thai. Learning Muay Thai and developing core muscle strength are essential parts of mixed martial arts training. Learn these techniques safely from a qualified mixed martial arts instructor in a qualified training school.

The main constituents of muay thai body conditioning activities are as follows -

Stretching ?- There will be around 20-30 minutes of stretching exercises everyday. That will make your body highly receptive to the other exercises and training activities. Stretching exercises are crucial before activities that entail controlled muscular strength and flexibility. Other benefits of stretching exercises include muscular elasticity enhancement.

Shadow boxing ? You have to practice shadow boxing most likely in front of a mirror. That will help you to observe and perfect your technique and aim the punches, elbows, knees, and kick at your own figure. Shadow boxing is extremely helpful in preparing your muscles before stronger physical activities.

Bag work ? You will have to practice kicks on a heavy bag for around 60 minutes per day. This will help you a lot to develop conditioning and muscle memory (the bodys ability to memorize or perform automatically a well rehearsed motion). Another great benefit of bag work is the development of shins.

Practicing with Thai pad ? Thai pad practicing is the central point of Muay Thai training. It will help you to practice punches, kicks, knees and elbow strikes.

Rope jumping/skipping ? On one hand it warms up your body. On the other hand it helps you develop your stamina and co-ordination.

Medicine ball (a.k.a. exercise ball, med ball, fitness ball) ? The medicine ball will help you enhance the strength of your abdominal muscles.

Speed ball/bag ? It will help you to intensify your punching skills, including hand-eye coordination, rhythm and timing.

Double end bag (a.k.a floor-ceiling bag, crazy bag, reflex bag) ? The double end bag ? hooked up by two thin elastic ropes to the ceiling and floor ? is used as a good equipment for target practice and timing equipment.

Weight training ? The weight training exercises aim at developing the strength and size of your skeletal muscles. It will actually have a positive effect for your overall health.

Body weight resistance exercises ? It will include push-ups, squats, squat thrusts, pull-ups, dips, etc. They will result in developing your athleticism (balance, body control, co-ordination).

Weight loss ? a main benefit of the body conditioning activities

One of the main benefits of the body conditioning activities will be a huge weight loss. The tough physical exercises will help you to shed every bit of extra weight.

The other benefits of the Muay Thai training as a whole -

The other benefits of the Muay Thai training as a whole include the followings

Diet regime ? You have to follow a strict diet regime while you learn Muay Thai kickboxing. And naturally it will have various positive results. For example, it will also help you a lot in shedding your weight. Moreover, a healthy diet is also helpful for other health matters like cholesterol factors, etc.

De-addiction ? While you learn how to Muay Thai kickboxing, you will have to stay away from all sorts of addictions like alcohol, smoking, etc. This will effectively help you to de-addict all sorts of addictions you have, if any.

Self-defense skills ? The Muay Thai training will teach you some great self-defense skills. These skills will be a great asset for you, even if you never compete in any Muay Thai fight.

Sound physique ? A significant outcome of the training will be a great and enviable physique. That is undoubtedly an asset irrespective of your profession, lifestyle, etc.

An extreme self-confidence ? Mastering the tough Muay Thai techniques will elevate your self-confidence to an extreme height. You will discover your hidden power, and will recognize the real potential and talent that you stand for.

So you can see how beneficial it is for you to learn Muay Thai kickboxing. It not only trains you in a great martial art, but also presents you with various other positive sides. It helps you to discover your real talent and power.

It helps you to develop highly beneficial habits (like an effective diet) while cutting down harmful habits like smoking, alcohol, etc.

In a nutshell, it gives you a new, dazzling personality ensuring a new life. From a so-called ordinary person, you turn into an outstanding and attractive personality.

So do not waste your time anymore. Enroll yourself with a good Muay Thai training school, and start learning this great invention of mankind.

Formerly a regular participant of the Muay Thai events, Shin Chang is presently associated with training and instructing the Muay Thai aspirants. He always encourages youths to [http://www.muaythai.cc/Muay-thai-kickboxing-lessons.php] learn Muay Thai kickboxing by writing articles in print media, TV talk, etc.

Article Source: http://EzineArticles.com/623458

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Source: http://artikel-schrijven.com/artikelen-buitenland/recreation-and-sports/muay-thai-boxing-the-sport-of-champions

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Tuesday, February 21, 2012

15,000 die each year crossing rail tracks in India (AP)

[unable to retrieve full-text content]AP - About 15,000 people die every year trying to cross the tracks of India's mammoth rail network, a "massacre" that a government committee said was being ignored by railway authorities.

Source: http://us.rd.yahoo.com/dailynews/rss/asia/*http%3A//news.yahoo.com/s/ap/20120221/ap_on_re_as/as_india_railway_deaths

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Exotic Pet With An Exotic Pet Insurance Policy | Exotic Pets

The man, an insurance policy for all aspects of their life in which their lives and in their medical costs. If you have an exotic pet, then you might want to consider insurance for exotic pets.

Pet insurance can cover the death of your pet

You should consider how much you paid for your pet. To purchase, as a rule, the less likely the animal is the most expensive animals, and to pay when you have hundreds of pounds for your pet insurance can be worth the cost lower. If your pet were to die after an accident or illness, you could lose a lot of money, not to mention your pet. With insurance exotic pet that you would be able to refund the financial compensation after the death claim.

Animals lost or stolen

Theft or loss of your pet can be heartbreaking, but there may be a chance to recover your pet if you advertise or take over the theft or loss. However, much advertising money as we can enjoy a reward for the return of your exotic pet. If you have an insurance provider would pay the costs of advertising and even put money for a reward.

Vet bills can be quickly

Who ever has a pet to the vet for treatment know that vet bills can multiply quickly. Even a visit to the vet can be expensive, so it?s not the cost of emergency treatment, tests, x-rays, medication and treatment suites. In the end, you could think of a bill of several hundred pounds. If you have an insurance exotic pet insurance pays so much to the cost of vocational education bill. Be there is a limit, and this is set when you take out your insurance so always check the maximum the insurer will pay for these costs.

Looking for an inexpensive cover

It is important to examine and compare the cost of pet insurance for your exotic pet before taking cover. The premium for the exotic animals vary between providers and it is really can pay, shop around. The same goes for what you get for your money. Some insurers may offer more aware than others of the same charges, so that in the comparison.

On insurance for exotic pets are some exclusions and limitations. Exceptions are that which can not be asserted. For example, if your pet has a current illness, would you not be able, for each treatment in connection with this disease. In general, policy is not payment in the event of illness or treatment that is related to pregnancy and childbirth. These are just some of the things you need to check whether the search coverage. If you compare insurance exotic pet make sure you know how much the provider is expected to pay a claim. The excess can vary with suppliers and this money must be found in the pocket.

Source: http://www.dailazoo.net/exotic-pet-with-an-exotic-pet-insurance-policy

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Afternoon Open Thread (Balloon Juice)

Share With Friends: Share on FacebookTweet ThisPost to Google-BuzzSend on GmailPost to Linked-InSubscribe to This Feed | Rss To Twitter | Politics - Top Stories Stories, News Feeds and News via Feedzilla.

Source: http://news.feedzilla.com/en_us/stories/politics/top-stories/201968307?client_source=feed&format=rss

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Monday, February 20, 2012

Learn Why Internet Marketing Could Increase Business and Boost ...

Taking the time to do thorough study on carpet cleaners melbourne before you decide to attempt doing it is definitely a wise move. If you?re interested to understand one area exactly where millions of internet businesses drop the golf ball, we are guessing, it has to do with possessing reliable information on their target audience. Knowing your market is perhaps probably the most important duties you have towards your business. Knowing how to reach out in the most powerful way to your market is one thing that many businesses do not perform well. You will never be able to fully implement the principles associated with copywriting without understanding the individuals who will read it and placing that understanding into the words. That common understanding may be the basis for your articles being accepted by them and reliable.

The rapid growth of internet marketing offers meant extreme changes in the way the world does business. One thing that?s changed is that people are no longer scared to do business on the internet. As more companies realize that the web allows them to market on a worldwide scale, internet marketing grows ever faster. Because online shopping becomes as popular as offline, the is forecasted to reach the billion dollar degree quite soon. As big as the internet is, the chances are the best is yet to come, which means that there is no better time to start an internet business. Online marketing has already created many millionaires, many of whom are in possession of businesses that practically run themselves. Starting an internet business is difficult or a way of preventing working; nevertheless, once you have it going, it may be amazingly lucrative. It?s very easy to have your company take off in order to great levels once you learn the ropes. It is definitely possible to begin with scratch and, within several years, become an online millionaire. The web is one of the few media exactly where this kind of thing is possible. In the event that internet marketing is a business you believe you?d like to try, there?s no much better time to get started. Contrary to a few false gossips, this is not a method to get rich without working, but a legitimate business design. In this article all of us shall be looking into a few benefits that come with Internet marketing.

Whenever a business is planned or discussed, certainly the most diligently talked about topic is actually what ought to be the profit border. It?s pretty obvious that certain of your objectives is to increase the profit border of whatever you?re promoting. One of the is attractive of online marketing is that it offers a profit border that is exceptionally high. Because the costs included are reduced, you are able to keep most of the money you make from your online product sales.

The everyday expenses associated with running a business all cut to your bottom line; with internet marketing, this really is greatly reduced. For example, if you?re promoting a digital product such as a software program or an ebook, you?ll be keeping hundred percent from the profit, minus the marketing costs if any kind of. You can happily forget about spending for things like shipping, product packaging, storage and inventory costs. This means that you are able to scale your business more rapidly; you can spend a person time much more productively and creatively. Of course we all know carpet cleaner brisbane has existed for quite some time, and contains an impressive record for getting additional revenue. There are so many different types of landmines on the web, and lack of important details concerning any one method is one of them. Those people who are newer in order to business on the internet would not always consider the need or need for things like a solid foundation, for example. You can always discover much more about the marketing related topics below discussion in any article including ours. The articles normally present a small amount of related factors to a main topic, but we will never start to give you everything is available upon any one particular topic or subject.

Keeping up up to now and understanding the whole Internet marketing game shouldn?t be difficult with so many free and cheap resources available on the web. Many news letters and online zines give out free info on internet marketing; these aren?t hard to find if you search for conditions related to what you would like to know. Or you can just go ahead and buy ebooks, reviews on how you should build your internet business. It?s not necessary, although, to spend profit the learning process with all the totally free material that is out there. Online forums associated with internet marketing are another great spot to learn; you are able to follow conversations and if you?ve questions, there are many knowledgeable individuals around who are able to answer them.

In conclusion, you have the advantage of having the ability to build a lifestyle, an income along with a business that could create a totally new level of security for you.

There are lots of Internet marketers who began their businesses from scratch only to build them up to lucrative enterprises that run virtually automatically while they enjoy the life these people always imagined.

Can you use whatever positive programs in your current marketing? We all know that the internet is simply too huge if you wanted to reach everyone in your target market, and that is why different methods can work very well for any business. A lot of people can occasionally slip back into a lazier method of their companies if they are producing solid profits and maybe begin outsourcing function, etc. We have read and heard about a lot of things over the years, and all the unfortunate things that happen to people are often partly self-inflicted in some way. It?s tempting in order to fall into everything about an autopilot income and business using carpet cleaners adelaide or some other approach, but beware because that may be dangerous. Your competition is always trying to grab your own market share, and also you never know when or if your own one trick marketing horse could turn out to be obsolete the following day.

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Source: http://kavanaughcouncil.org/learn-why-internet-marketing-could-increase-business-and-boost-profits/1300/

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Sunday, February 19, 2012

Newspaper study: Oscar voters mainly white, male (AP)

[unable to retrieve full-text content]AP - A study of Academy Awards voters has found that it's not a very diverse group that hands out Hollywood's highest honors.

Source: http://us.rd.yahoo.com/dailynews/rss/entertainment/*http%3A//news.yahoo.com/s/ap/20120219/ap_en_ot/us_oscars_demographics

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Autism Diagnosis ? What's Autism Specifically?

Published by Sherry | February 17, 2012 | | 53

Autism could be a kind of developmental incapacity that classically seems among the primary 3 years of a kid?s life. People with autism expertise the planet differently from others. Children and adults with autism find it challenging to talk with others or categorical themselves with words so they have special facilitate to communicate. Reactions to normal sounds of daily life might be upsetting. Easy connections sort of a smile with happiness could be troublesome for a child with autism to identify. Words and meanings are challenging. Most folks don?t like a modification in routine and appreciate a schedule. The most important hassle for individuals with autism is creating sense of the world. Everyday brain activities like deciphering sights, sounds and smells are challenging.
Autism affects about 1 in each 150 youngsters with no known cause or cure. The human brain is difficult so problem exists in determining an precise cause though some scientists believe that autism or similar disorders run in the family. The brain holds over one hundred billion neurons that when operating along enable connections to be made. When discourse or the neurons don?t develop properly or are damaged, problem arises for that individual to be told these connections.
Racial, ethnic, lifestyle, instructional levels, or social boundaries do not bind autism. This disorder affects any family plus any child. The cases of kids with autism are steady throughout the globe and autism is found to be a lot of rampant in boys than in girls.
No cure for autism exists, but by operating with a team of doctors, therapists and special teachers children with autism have a fighting chance to regulate or overcome the various difficulties before them. Autism is called a spectrum disorder so many totally different levels of would like exist and each case and kid desires to be individually addressed. Since autism could be a spectrum disorder folks who have similar diagnosis can act in an exceedingly completely different manner from one another. For that reason establishing a diagnosis is crucial. Knowing the signs early will help benefit the kid with an intervention program. Every person is a private and folks with autism aren?t any different.
Many misconceptions and myths regarding autism are out there. Contrary to several beliefs, youngsters with autism are able to form eye contact and can develop practical language and many youngsters have some type of communication skills. Another myth is that since sensory stimulation is completely different in kids with autism, that they are not in a position to point out affection, this is not the case, several can and do offer affection. Autism is not a condition that a child will out grow but in some cases symptoms lessened as the child received treatment and developed.

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Source: http://www.1directory.net/health-fitness/autism-diagnosis-whats-autism-specifically-5387.html

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Saturday, February 18, 2012

Why Internet Marketing Can Boost Business and Increase Profits ...

If you want to use melbourne carpet cleaning and build a business online from the ground-up, then you simply have to accept the fact that daily decision making is part of the game. Those who are more experienced may have passed many trials through fire in that way.

You will not usually know where to begin, what to do or who you may even trust. It doesn?t really matter if you feel overcome, in some situations, because you can employ certain methods to relieve that feeling. If you never make any mistakes at all, then we tend to believe you aren?t doing sufficient to stretch and grow. The difference is with more experience the mistakes are fewer. Often times all you need to do is take enough motion with any new method, or group of them, that you employ in your company.

Since the internet arrived, marketing has never been the same.

The traditional ways of promoting goods are not at all the same as the way they are promoted online. The web has made it feasible for individuals and companies to do business within entirely new ways, and it has become an indispensable way to marketplace. We see some of the largest companies now placing their efforts into internet marketing. Internet marketing isn?t complicated; it?s just reaching out to online users to sell your products.

The internet provides a very interactive type of environment, which is a primary reason that internet marketing works very well. It is possible to get exponentially greater profits through marketing online compared to any other type of marketing. People have become incredibly rich from internet advertising, but only those who have really recognized how it works. The possibility amount of money one can earn online, if they utilize methods which have proven to be successful, is really unlimited. So when you hear someone turning into an ?Internet Millionaire,? then it?s a well known fact.

This article will discuss some of the advantages of online marketing and why it?s a great company to get involved with.

Anytime you are finding a marketing or advertising method for the first time, it will always be helpful to withhold judgment about it. How do you feel about testing marketing methods that you didn?t know about or considered screening before? One thing we know is the fact that some we know were skeptical about carpet cleaning brisbane till they significantly tested this and noticed the results. It is almost always the beginners who can occasionally easily be deceived, and so if you?re new to this then look around and do some additional studying.

You probably are well aware of the dangers of omitting checking things out. Only one great danger for those who think too quickly is they usually end up moving in one method to the next. Online marketers who?re impatient or simply do not know are in the greatest risk. It can be frustrating for everybody, however for different factors, because there are different situations the ones can grumble about a strategy that is really good. It is similar to locking your car every time you park this, maybe it?ll never prevent something only one day many years from now it could. Whenever a business is planned or discussed, one the most diligently discussed topic happens to be what should be the profit margin. Whatever it is that you are advertising, you are usually trying to lift up your profit border. There are few company models that provide as higher a profit border as internet marketing. A much lower cost of doing company means that you get to keep a lot of money you eat.

The daily expenses of running a business just about all cut into your bottom line; along with internet marketing, this really is greatly reduced. For instance, if you?re promoting a digital product such as a software or an ebook, you?ll be maintaining hundred percent of the profit, without the marketing expenses if any. The crucial point is you can completely avoid the need for product packaging, mailing, storage space and all the other costs associated with conventional products. This particular frees up your time and effort and budget to think about much more productive things, giving you the ability to grow your company faster.

Internet marketing has few operating expenses apart from what we have mentioned already. Once you get started doing your online business, you are able to grow this a budget of less than a $100 each month. There are a few, small monthly costs you?ll have; these types of will probably include a merchant account, an autoresponder to help you create an email list, and, most likely, web hosting. It will, actually, take more time to produce a profitable company if you don?t have money to invest in this. Yet you need to do at least have this option, which is not there when it comes to offline businesses. Most of the times you must have a lot of cash to get going or you simply can?t.

These are some of the reasons why internet marketing can be the perfect business. It offers the most efficient and profitable design for quickly setting up a company where you can market products, your own or those created by others. There are so many options that your fingers would be complete.

Internet marketing is perfect for anyone who hopes for a business that can be run on auto-pilot everywhere in the world.

Despite the fact that we know these types of ideas and approaches have great profit potential, we do not determine if they are ideal for your design. But always remember that practically every business on the web can typically soak up more advertising diversity. People who lose which fire within the belly are often the ones who get caught flat-footed when something main happens. We?ve read and heard about so many things over the years, and all the actual unfortunate things that happen to individuals are often partly self-inflicted in some way. Lots of people can take adelaide carpet cleaning and use it to make money, but only those people who want to truly be successful will not be content with one or two methods of promotion. If you wish to build a long-term company on the web, then you have to be the business person and maintain your commitment while you still prosper.

Source: http://narrowcampus.com/why-internet-marketing-can-boost-business-and-increase-profits/

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PFT: Peyton and Irsay aren't negotiating

Super Bowl XLVIGetty Images

Though recent comments from Commissioner Roger Goodell to ESPN 1000 in New York regarding the league?s lack of an intention to expand its number of teams have gotten the most attention, it?s important to point out what Goodell said ? and didn?t say ? about the still-looming possibility of expanding the regular season.

?People want more football,? Goodell said, via SportsRadioInterviews.com.? ?I think they want less preseason and more regular season and that?s the concept we are talking about here.?

Actually, the more accurate statement seems to be that the fans want less preseason and the same regular season.? Only season-ticket holders endorse the prospect of fewer fake games and more real ones, for obvious reasons.

?We wouldn?t add an extra two games without reducing the preseason and we are not going to do it without the players support, so we did that in the Collective Bargaining Agreement instead of having the unilateral right, which we had,? Goodell said.? ?We determined that we were going to do this together.? We are going to make changes in the offseason and during the preseason and during the regular season to make the game safer.? If we can accomplish that we?ll look at the idea of restructuring the season and taking two preseason games away and the potential of adding regular season games, but I don?t think that will happen until at least 2013 or 14.?

Well, obviously, it won?t happen in 2012.? If the season were going to expand, plans already would have to be made for finding a way to wedge two regular-season games into a schedule that has 17 weekends of the regular season (with one bye per team) and one dormant weekend between the conference title games and the Super Bowl.? (Unless, of course, the league would be interested in starting the regular season before the weekend after Labor Day.)? And if it?s going to happen in 2013, the NFL will have to work around the February 2, 2014 date for Super Bowl XLVIII in New York/New Jersey.

Regardless, the 18-game concept remains on the table.? And even though the league no longer has the unilateral right to expand the regular season, the current CBA gives the league the unilateral right to cut the preseason in half.

As we?ve previously explained, that?s how the players would eventually be squeezed into agreeing to expand the regular season.? The league would tell the players that two preseason games are going to be dumped due to the poor quality of play and the unacceptable risk of injury in games that don?t count.? Given the current revenue-sharing model, the players then would realize that they?d be losing a ton of money if the preseason gets chopped in half ? and they?d also know (thanks to the league?s detailed studies on the matter) the extra revenue that would be generated by the addition of two regular-season games.

And so the players eventually would choose to add two regular-season games to replace the two preseason games.

Whether it happens in 2013, 2014, 2015, or beyond, the league most likely will exercise the right to dump two weeks of the preseason, and then the players will have a big decision to make.

Source: http://profootballtalk.nbcsports.com/2012/02/17/source-peyton-irsay-arent-negotiating/related/

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Friday, February 17, 2012

Rez Life: An Indian?s Journey Through Reservation Life

There are 310 or so Indian reservations in the United States. Some are rich, many are poor, but all are vibrant communities with a long, complex history. In his new book Rez Life, David Treuer, an Ojibwe Indian who grew up on the Leech Lake Reservation in northern Minnesota, looks at the history of reservations from the inside out. The discussion ranges from common misconceptions about reservation life, to the origin of Indians? right to hunt and fish, and how tribes decide if someone is an Indian. It lasts around 27 minutes.

Source: http://feeds.slate.com/click.phdo?i=fd881a4c116776486e529b8f306bc85f

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PFT: Peyton had 4th neck surgery; more coming?

Randy-Moss-1Getty Images

Three days after discovering ?Moss TV,? the question remains whether I?ll lose interest in watching it before unretired receiver Randy Moss loses interest in doing it.

After last night?s one-hour-or-so excursion, I?m getting close to losing interest in whether he loses interest.

The novelty quickly is wearing off, even as Moss tries to change things up by using a piranha tank as his background or introducing new Klump-style characters, starting with his ?brother? Jacob, who was Moss wearing Coke-bottle lenses and talking in a deeper voice.

Things could get a little more interesting (or a little less uninteresting) with Moss promising to do his next show from the Bahamas, where he?ll be vacationing with the ?Wilforks? and the ?Faulks? (presumably, former teammates Vince and Kevin and their spouses).? And maybe Vince will be a guest on the show.? And maybe it really will be Vince, and not Randy with a pillow under his shirt.

Anyway, here are a few of the very few noteworthy things Moss said last night.

1.? He says he has ?no clue? where he?ll play in 2012.? ?Let?s just keep our fingers crossed and wherever they fall, let ?em fall,? Moss said.? He later added that he?s ?looking for a team that?s gonna want me to come in and do some damage.?

2.? Moss said he thinks Bill Belichick is ?the greatest coach in NFL history.?

3.? Moss said he won?t be doing a made-for-TV workout, like T.O. did last season.

4.? Moss said he ?thinks? he ran a 4.3-second 40-yard dash on Wednesday, and that a ?buddy? clocked him.

5.? His fondest memory of Pats owner Robert Kraft is playing $1 liars poker in the locker room with him.

6.? On the topic of Lions defensive tackle Ndamukong Suh, Moss said that Suh needs to be in better control of his emotions, but Moss acknowledged that emotions sometimes get the better of a player.? ?I?ve squirted a damn referee before,? Moss said, referring to an incident from the 1999 playoffs against the Rams, when he squeezed the contents of a water bottle in the direction of an official.

7.? Moss said that Darrelle Revis is the cornerback who gave Moss the most problems.? And Revis apparently is the only one.? ?No one else gave me a problem in my NFL career,? Moss said.

8.? Moss essentially promised double-digit scores in 2012.? ?I?m not coming to give you no seven, eight, nine touchdowns,? Moss said.? ?I?m coming to rock.?

Source: http://profootballtalk.nbcsports.com/2012/02/15/manning-underwent-unknown-surgery-last-year/related/

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Wednesday, February 15, 2012

Homosexual priests in long-term committed relationships

Here are two who were ?close friends? in the Roman Catholic Church. Their relationship was long term, but the commitment was sufficiently loose to allow them to haunt ?places frequented by gays? where one of them acquired AIDS and syphilis.

The pair decided to jump off a cliff together but, lacking the nerve, decided, after planning a list of hymns for their funerals, to hire hit men to finish them off instead.

This amalgam of comic pantomime and maudlin tragedy is brought to you courtesy of a church ? the Roman Catholic Church this time ? which turns a blind ? or winking ? eye to what used to be called sin.

Two gay Roman Catholic priests hired hitmen to kill themselves after one of them discovered he had Aids.

Rafael Reatiga, 35, and Richard Piffano, 37, who had been close friends since training, were discovered shot dead in a car in Southern Bogota, Colombia, in January last year.

Authorities initially suspected robbery but this week prosecutor Ana Patricia Larrota said investigators had determined that it was a case of suicide by hitmen.

Source: http://www.anglicansamizdat.net/wordpress/homosexual-priests/homosexual-priests-in-long-term-committed-relationships/

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'The Artist' dog honored at Golden Collar Awards (omg!)

Uggie, from the film "The Artist", arrives at the first annual Golden Collar Awards in Los Angeles, Monday, Feb. 13, 2012. The Golden Collar awards recognize the work of dogs in film and television. (AP Photo/Matt Sayles)

LOS ANGELES (AP) ? Even dog actors can get awards in Tinseltown, and six pooches collected prizes at the inaugural Golden Collar Awards.

The ceremony Monday at the Hyatt Regency Century Plaza Hotel proceeded like a traditional Hollywood-style awards show, with actors including "NCIS" star Pauley Perrette and "Hot in Cleveland" star Wendie Malick presenting trophies for the best dog performances on the big and small screens.

Uggie, the four-legged star of "The Artist," was named top dog in a movie. His owner-trainer, Omar Von Muller, was on hand to accept the award.

Von Muller said the Jack Russell terrier, who stole hearts in the silent film that's up for 10 Academy Awards, is a "great performer, but he's also a great family member."

"He sleeps with us," Von Muller said.

The Golden Collar Awards, dreamed up by Alan Siskind of the website dognewsdaily.com, drew other stars of "The Artist," including James Cromwell and Missi Pyle, as well as studio representatives and media outlets from around the world.

"I'm delighted to be here because I owe my career to a pig," said Cromwell, who played the farmer in "Babe."

The ceremony walked a fine line between being a farce of an awards show and a meaningful recognition of dog and trainer achievements. Proceedings were broadcast online by the Hollywood Reporter, and Siskind said he expects the ceremony to be televised next year.

Martin Scorsese, who wrote an editorial in the Los Angeles Times that inspired a write-in campaign for the Doberman in his Oscar-nominated movie "Hugo," appeared at the ceremony by video. His star dog, Blackie, lost out to Uggie, who was nominated twice in his category (for both "The Artist" and "Water for Elephants.")

Other winners included French bulldog Brigitte, who plays Stella on TV's "Modern Family," and Hercules of "Pit Boss," who tied with Giggy of "Real Housewives of Beverly Hills" for best dog in a reality television series.

Their respective owners accepted the awards. Shorty Rossi, star of "Pit Boss," noted, "This is the first time a pit bull's been nominated for anything."

Elizabeth Snead, an entertainment journalist who served as a Golden Collar judge, said the dog-awards show is more exciting than the Oscars.

"Everybody identifies with the dogs," she said, holding her Maltese, Posey. "And it makes it more accessible for humans who don't really care about awards season."

___

Follow AP Entertainment Writer Sandy Cohen on Twitter: www.twitter.com/APSandy .

___

Online:

www.dognewsdaily.com

Shorty Rossi, left, and Hercules, from the television show "Pit Boss", accept the award for Best Dog in a Reality Television Series at the first annual Golden Collar Awards in Los Angeles, Monday, Feb. 13, 2012. The Golden Collar awards recognize the work of dogs in film and television. (AP Photo/Matt Sayles)

Source: http://us.rd.yahoo.com/dailynews/rss/entertainment/*http%3A//us.rd.yahoo.com/dailynews/external/omg_rss/rss_omg_en/news_artist_dog_honored_golden_collar_awards051931867/44522122/*http%3A//omg.yahoo.com/news/artist-dog-honored-golden-collar-awards-051931867.html

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Monday, February 13, 2012

Child abuse shrinks key brain memory centre

Maltreatment of children may stunt growth of the hippocampus, a brain region vital for memory. That's the conclusion of a study of 193 outwardly healthy adults aged 18 to 25 from the Boston area.

The stunted hippocampi could help explain how childhood stress raises the risk of psychiatric disorders in adulthood, ranging from depression, schizophrenia and post-traumatic stress disorder to personality disorders, drug addiction and even suicide.

Martin Teicher of McLean Hospital in Belmont, Massachusetts, and colleagues used standard questionnaires to reveal which volunteers had suffered abuse as children, and found size differences in regions of the hippocampus through detailed MRI brain scans.

Big differences were seen in people who said that as children they had experienced verbal, physical or sexual abuse, physical or emotional neglect, bereavement, parental separation or parental discord. Three sub-regions of the hippocampus were between 5.8 and 6.5 per cent smaller in such volunteers, compared with those who reported no maltreatment.

Stress strike

The three sub-regions ? the dentate gyrus, the cornu ammonis and the subiculum ? are all known to be vulnerable to the effects of stress hormones, which probably interfere with the formation of cells and new tissue as the immature brain develops.

"These findings support the hypothesis that exposure to early stress in humans, as in other animals, affects hippocampal development," concludes Teicher's team. They say that the study is the largest and most detailed yet to examine the phenomenon in people, and the results echo those seen in the hippocampi of rats and monkeys subjected to stress as infants.

Child abuse or poverty can also alter which genes are active in the developing brain through a process called epigenesis. These changes can lead to diseases such as schizophrenia and bipolar disorder.

"Childhood maltreatment is like a surgical strike on the brain," says Carmine Pariante, who studies the effects of stress on child development at the Institute of Psychiatry, Kings College London. "This explains why these individuals are at risk of developing a host of stress-related disorders later in life ? because they have an impaired ability to cope with stress."

"Findings like this indicate that maltreatment can leave damage hidden deep inside the body that persists for many years," says Terrie Moffitt of Duke University in Durham, North Carolina. "Once we appreciate that child maltreatment brings hidden damage that can resurface years later as memory problems, preventing child abuse seems like a very good deal."

Journal reference: Proceedings of the National Academy of Sciences, DOI: 10.1073/pnas.1115396109

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Source: http://feeds.newscientist.com/c/749/f/10897/s/1c9e5e83/l/0L0Snewscientist0N0Carticle0Cdn214690Echild0Eabuse0Eshrinks0Ekey0Ebrain0Ememory0Ecentre0Bhtml0DDCMP0FOTC0Erss0Gnsref0Fonline0Enews/story01.htm

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At least your money can live like a millionaire's (AP)

WASHINGTON ? Movie super spies James Bond and Jason Bourne use them. So do real-life presidential candidate Mitt Romney, who says he pays his taxes, and untold numbers of Americans who don't. Swiss banks and their secretive counterparts around the globe may sound like the exclusive province of the wealthy, the mysterious or the shady, but anybody can legally open an offshore account.

Wouldn't it be swell to have a cool million stashed away on a sunny Caribbean island?

Here's how to do it:

Step 1: Get a million dollars.

How? There are essentially two ways ? legally or illegally. For those with dirty cash to launder ? drug traffickers, mobsters, smugglers, swindlers and such ? offshore accounts hidden from the law are the obvious choice (skip to Step 4).

For honest money, there's more to consider.

Step 2: Decide whether to tell the IRS.

U.S. citizens are supposed to pay taxes no matter where their money is. But the IRS can't tax what it doesn't know about, and the odds of getting caught offshore have been slim. But beware ? that's changing.

The government has landed some big fish ? notably the largest Swiss bank, UBS AG ? and tax cheats are getting scooped up in the net.

In an unprecedented break from Swiss legal tradition, UBS turned over the names of more than 4,000 suspected U.S. tax evaders in 2010 as part of a deal to settle conspiracy charges. Since then, the United States has been going after those people, charging more Swiss bankers with conspiracy, and leaning on Switzerland to name more names.

Other names came from a bank employee-turned-informant at the LGT Bank in Liechtenstein. And the IRS has been tracking down holders of credit cards issued from Caribbean hideaways, because the cards are a popular way to tap secret funds.

"The noose is tightening on those who want to hide money overseas," said J. Richard Harvey, a former senior adviser to the IRS commissioner.

Pressure to report Americans' holdings will increase substantially next year under a new U.S. law that imposes financial penalties on foreign banks and investment funds that don't comply. Some tax haven banks may skirt it completely, however. If they don't make any U.S. investments they can avoid the penalties.

When the IRS offered amnesty in 2009 and 2011, more than 33,000 tax dodgers came in from the cold, yielding $4.4 billion. A new round in the program opened in January.

Step 3: Look for legal ways to pare taxes.

Here it gets complicated.

For corporations, foundations, pension funds and others, controversial offshore maneuvers can help defer or avoid some taxes. For example, a corporation transfers a lucrative chunk of its business to a foreign subsidiary in a low-tax country. Or a nonprofit group puts otherwise taxable investments offshore.

"There's a thin line between tax avoidance and evasion," said Rebecca Wilkins, a senior counsel at Citizens for Tax Justice, which opposes corporate loopholes. "A lot of these transactions might not stand up in court if the IRS had the resources to pursue them."

Private equity and hedge funds flock to the Cayman Islands, which offer tax advantages for fund managers and some of their foreign and nonprofit investors. Setting up shop ? usually nothing more than a mail drop ? in these freewheeling environs also allows them to escape the tighter financial regulations of the U.S. and other nations. Some critics say that contributed to the global financial crisis.

Romney, the multimillionaire front-runner for the Republican presidential nomination, has disclosed numerous offshore investments.

His financial filings included at least six Cayman-based funds, worth between $7 million and $32 million, run by Bain Capital, the private equity powerhouse he once led. More than a dozen other funds based in the Caymans and Bermuda showed up on his 2010 federal tax returns. His campaign says he pays the same taxes he would if they were based in the United States.

Romney also had a UBS bank account in Switzerland, but it was closed in 2010 as he prepared to run for president.

Step 4: Consider other motives.

Some people want to hide wealth from spouses or business partners; doctors worry about malpractice suits; others think creditors or the government might try to seize their assets.

Wealthy residents of oppressive countries may feel safer with their savings elsewhere. Dictators, fearing revolt, often do, too.

Step 5: Choose a country.

Switzerland's famous "numbered accounts" aren't as clandestine as they're portrayed in spy movies but do cater to the rich and ensure only a few bank executives know a client's name. Hong Kong has its own version ? "chop accounts," identified by a symbol. Congressional investigators counted 50 places that can be considered tax havens or financial hideaways.

Tax havens usually boast:

_Little or no income tax;

_Laws that make it a crime for banks to reveal account holders' names;

_A history of failing to cooperate with other nations' tax collectors.

Step 6: Open an account.

Law-abiding customers who can't travel to an offshore bank can usually set up an account by mail with little or no minimum deposit.

For tax evaders and those playing the angles, a network of accountants, lawyers and bankers is ready to set up shell companies and phony trusts to hide behind.

They can get creative. Former UBS banker Bradley Birkenfeld told investigators he helped a billionaire client withdraw his funds in the form of diamonds. Birkenfeld flew to America with the diamonds hidden in his luggage, inside a tube of toothpaste.

Source: http://us.rd.yahoo.com/dailynews/rss/gop/*http%3A//news.yahoo.com/s/ap/20120213/ap_on_el_pr/us_going_offshore

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