Friday, November 30, 2012

Recipe: One Bowl Mung Bean Meal Recipes from The Kitchn | The ...

2012-11-29-mung-bean-salad-final.jpgIt happens every year at this time and you know it. Whatever your normal ? and hopefully healthy ? eating pattern is, you lose it.

Normally I have a very balanced diet, which not only means it's balanced nutritionally, but it's balanced emotionally: I manage to try everything I want while rarely over-indulging. Then the holidays hit and gatherings fill up the calendar. On one hand I can't complain; I've managed to make a career out of encouraging people to cook and eat together, and it doesn't happen more than at the end of each calendar year. However, these gatherings rarely showcase light, healthy foods. Don't get me wrong: I like a good boozy cup of eggnog and a slice of roast beef as much as the next guy, but everybody needs a break.

Take Tuesday night for example: I went into a dinner party situation wanting to eat light and not drink alcohol. Two blinks of the eye later I found a margarita in one hand and a goat cheese-stuffed, bacon-wrapped date in the other. Pretty soon there were pork loin sandwiches and chile rellenos. There was simply no escape.

All you can do is plan to eat differently when possible. This is a time, more than ever, to retreat to the one-bowl vegetarian meal. Lately, that's meant it's all about mung beans at my house. Sometimes the servings are small, just enough to tide me over.

I'm offering this recipe, like I do with many of my recipes, simply to guide you. Of course, if you are missing any of the ingredients like apples or avocados, replace them with something else: some leftover stir-fried greens, a chopped up boiled egg, sky's the limit. This is a good opportunity to clear the decks and the formula couldn't be easier.

In terms of the sprouted mung beans, they are usually easy to find at any large health food store or Whole Foods. I like them because they don't really require much cooking, and they feel so nourishing. If you can only find regular mung beans, don't fret. Simply cook the beans according to the package's instructions then drain and toss with the other salad ingredients.

The point here is to give your system a break and of course there's no one recipe for this practice. Just allow your system to breathe, and take refuge in a bowl of clean food. We have a whole month of holiday eating ahead, so pace yourself. Have a bowl of mung beans, then brace yourself for the next onslaught of holiday cheer.

One Bowl Mung Bean Meal

Serves 4

1 cup sprouted mung beans
3 cups water or broth
4 chopped green onions, white and pale green parts only
2 ribs celery, trimmed and sliced cross-wise into c-shapes
1 apple, diced
1 ripe avocado, sliced
1/3 cup chopped almonds
1/4 cup olive oil
3 tablespoons loosely packed chopped Italian parsley
2 tablespoon lemon juice
sea salt and freshly ground black pepper, to taste

Bring the water to boil in a medium saucepan. Add the mung beans and gently boil for 5 minutes. Remove the pan from the heat. Cover and let stand for at least 4 minutes and up to 8 minutes, depending on the desired texture. Drain.

Mix the mung beans with the green onions, celery, apple, avocado, almonds, olive oil, parsley, lemon juice and salt and pepper. Toss well. Divide between two bowls and serve.

Related: More Uses for Mung Beans

(images: Sara Kate Gillingham-Ryan)

Source: http://www.thekitchn.com/recipe-one-bowl-mung-bean-mealrecipes-from-the-kitchn-180912

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Notre Dame beats eighth-ranked Kentucky 64-50

SOUTH BEND, Ind. (AP) ? Notre Dame's experience and raucous home crowd were too much for eighth-ranked Kentucky and its heralded freshmen.

Junior guards Eric Atkins and Jerian Grant paced the Fighting Irish to a 64-50 victory Thursday night.

Atkins led the Fighting Irish with 16 points, Grant had 13 points and six assists and Jack Cooley added 13 points and 11 rebounds.

"The way our guards were controlling things, I didn't have to do a lot of coaching," Notre Dame coach Mike Brey said.

"Those guys were coaching the team. Eric Atkins running things, calling sets. When you have a veteran backcourt doing that, I just don't want to get in their way too much."

Notre Dame outplayed Kentucky (4-2) inside during the first half and held the Wildcats to a season-low 40 percent shooting for the game.

The Irish shot 48 percent, the best anyone against Kentucky this season.

The senior captains of the top-ranked Notre Dame football team, linebacker Manti Te'o, defensive end Kapron Lewis-Moore, tight end Tyler Eifert and tackle Zack Martin, got a standing ovation when they were introduced at halftime.

Students rushed the floor after the Irish wrapped up their second win over the Wildcats in the past 13 meetings.

Grant was disappointed in the fans' reaction, saying it wasn't like last season when the Irish upset top-ranked Syracuse.

"I'd rather not have them on the court. Last year was kind of a surprise game. This year, going into it, all of us were expecting to win this game," he said.

Kentucky coach John Calipari said his team didn't compete.

"They beat us to balls. They beat us around the basket. We didn't compete. We didn't execute. We didn't play together. There's a lot of things we didn't do," he said.

Julius Mays led Kentucky with 16 points and Nerlens Noel had 10.

"We came out a little shell-shocked and we started playing their game, which is slow down and half court. I think we're more of an up-tempo team," Mays said.

Two of Kentucky's heralded freshmen struggled. Archie Goodwin, who is averaging 19 points, was 1 of 7 shooting and finished with three points and Alex Polythress, who is averaging 18.4 points, had just one basket and was 1 of 3 from the free-throw line.

The Irish outrebounded Kentucky 33-27.

"We just knew that we could attack their bigs," Cooley said. "We watched film on them and knew that they had young bigs, and we could try to outsmart them instead of out-athleticizing them. Not really change how we play but just do what we do."

Brey said his team played with poise whenever Kentucky started rallying.

"When we don't have good offensive stretches, we're still able to concentrate defensively," he said.

Notre Dame led 36-25 at halftime. The lead was around 10 points when Cameron Biedscheid, who had 10 points, hit a 3-pointer to ignite a 10-0 run that included a 3-pointer by Grant and another jumper by Biedscheid and gave Notre Dame a 55-35 lead.

Notre Dame wore black uniforms with stitched green letters and numbers that were hard to see and the crowd wore black in support of the team.

Atkins said the victory should help the Irish during the season.

"It just boosts our confidence that we can do it against an elite team," he said.

Calipari said he hopes his team learned something in the loss.

"What I hope they figure out is you've got to do it together. You have to give Notre Dame credit. What a great crowd, with a great student body. They ground us out. That's how we usually play when we get up," he said.

Source: http://news.yahoo.com/notre-dame-beats-eighth-ranked-kentucky-64-50-021845319--spt.html

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10 Creative Quinoa Recipes for Pinterest - Shape Magazine

I?m an avid Pinterest pinner. And, as a Fit Foodie, you probably know that I love pinning mouthwatering (yet healthy) recipes. But one thing that bothers me is when I go back to my food boards and can?t locate the recipe I?m looking for! That?s why I created this custom pin?to make finding my favorite quinoa recipes a breeze.

Add this pin to your boards and get the complete recipes here. Don?t forget to follow @shapemagazine on Pinterest for more healthy recipe ideas.

As an editor at SHAPE I have the chance to learn about the healthiest ways to cook, eat, and live from all sorts of experts but I?m also a single girl living in NYC with a busy schedule, active social life, and chocolate cravings. I?m here to share what works for me?and where I need a little help from you.

Source: http://www.shape.com/blogs/fit-foodies/quinoa-and-pinterest-yes-please

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Thursday, November 29, 2012

Photos: White House gets dolled up for the holidays

DEAR ABBY: My wife and I have been married for five years. I recently discovered that she made between 10 and 20 porn videos when she was 19. We got married when she was 27. We have four kids from two previous marriages.I am devastated. When I confronted her about it, she cried harder than I had ever seen. She said she was lost, and it's the biggest regret of her entire life.I understand how hard it can be to tell someone you have done something like this. I haven't led a perfect life either, and I have my own skeletons and things that I would never mention. But still, I can't get over this. ...

Source: http://news.yahoo.com/photos/white-house-gets-dolled-up-for-holidays-slideshow/

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Google renews objections to class action lawsuit over scanning non-Gmail subscribers? emails

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Home / Breaches, Business, Court / Google renews objections to class action lawsuit over scanning non-Gmail subscribers? emails

Jonny Bonner reports:

Google has renewed its objections to a class action alleging that it intercepts emails and eavesdrops on online users in violation of California privacy laws.

In a brief filed in San Jose, the tech giant says two lead plaintiffs took ?isolated words out of context? and misapplied state law, which ?does not reach emails and electronic communications.?

Brad Scott and Todd Harrington sued Google in June for violation of the California Invasion of Privacy Act.

They claim that Gmail scans emails for words and content, and intentionally intercepts messages between non-Gmail subscribers and subscribers.

Read more on Courthouse News.

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Source: http://www.pogowasright.org/?p=31696

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Travel Insurance Claims Need Written Proof of Loss | "If You Are ...

This is one of those blog posts I never thought I would have to write. I have a few more written which are currently in ?draft status?. I discussed these with a friend last week and she said:

?I am constantly amazed by the number of people who will not follow simple directions, can?t use common sense or even get written proof of a loss. It?s not like the insurance company is going to take their word for it.?

Here?s the situation:

After flying from the USA, a family arrived at their hotel in South Africa late at night prior to beginning their tour. Their luggage arrived in the airport intact. The luggage was loaded onto the shuttle bus and was delivered to their room shortly after they checked into their room. As it was late, they waited until the morning to inspect their luggage. The damage to one piece of their luggage was discovered the next morning around 6 am. They had to leave right away to catch the tour bus. They did not report the damage to anyone at the hotel or with the tour company.

After arriving back in the USA 2 weeks later they filed a damaged baggage claim and it was denied because there was no Written Proof of Loss.

Their travel insurance plan states (in part):

?Your duties after loss of or damage to property or delay of baggage;
b) promptly notify, in writing, either the police, hotel proprietors, ship lines, airlines, railroad, bus, airport or other station authorities, tour operators or group leaders, or any Common Carrier or bailee who has custody of Your property at the time of loss;?

In case I have anyone reading this who doesn?t understand what is required, here?s an explanation in plainer English: ?If you do not have any written report of loss including the date of the loss, why should the trip insurance company believe that something happened while you were on your trip??

Do you want to hear about another idiotic claim? Even if you said ?no? I?ll tell you anyway. This one holds the title for the stupidest claim we have ever received.

A couple returned to New York from their trip to Europe. They said the luggage area of the terminal was flooded so they couldn?t get their luggage. They called us and we told them they had to file a luggage damage claim with the airline. They refused saying it wasn?t worth their time. Hours later they were able to retrieve their luggage. They went home without filing any damage claim with the airline. Once again they called us on the way home and we told them they had to return to the airport to file a luggage damage claim with the airline. They refused for the same reason. As soon as they got home they said they threw all the contents of their luggage plus the luggage itself into the dumpster.

There was no written proof of loss so the claim was denied.

I have more examples, but I think you get the basic idea. When in doubt, document everything. You can always throw away what you don?t need after the claim is paid.

Too busy planning your trip to research travel insurance?
As you are planning your trip you will realize how much you still have to learn about trip insurance. You are learning useful travel insurance information at TripInsuranceStore.com and are wondering when it will all click. We can help you. Call us at 1-888-407-3854 and we?ll help you, too.


Technorati Tags: travel, travel insurance, trip insurance, cruise, cruises, cruise insurance, trip cancellation

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Source: http://www.tripinsurancestore.com/blog/travel-insurance-claims-need-written-proof-of-loss/

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Celebrity Real Estate - Curbed National

Tuesday, November 27, 2012, by Amy Schellenbaum

williamsQL.jpgBritish pop musician Robbie Williams has listed his Beverly Hills compound, complete with regulation-sized soccer field, for $3.6M, $100K less than he paid in 2005. Williams may be taking a loss, but as The Real Estalker points out, he'll be far from homeless in Tinseltown: Williams also has a $5.45M estate he picked up from country star Clint Black in 2002. [The Real Estalker]

Source: http://curbed.com/archives/2012/11/27/celebrity-real-estate-138.php

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Tuesday, November 27, 2012

Five Ways To Make Use Of Auto Responders For Business

Among the most efficient yet typically unused resources in web based business is the auto-responder. Simply put, an auto-responder is a application that immediately delivers a sequence of email messages to members. These software programs give a huge web host of advantages to organizations; for instance, transmitting emails on a consistent time frame can let consumers know more regarding the company, inevitably improving the company create a firm presence in the attention of the general public. In addition to tougher branding and corporate details, frequent messages also allow firms to develop a relationship with both old and new customers, thus maximizing conversions and profits eventually. And finally, firms can also enjoy all these edges without spending so much effort or even funds.

Even with all these benefits, however, a lot of companies still fail to use auto-responders for online business. This might be due to deficiency of knowledge with the system or lack of creative ideas on how to use them. For people who run businesses battling with the latter concern, here are several ideas on how an auto-responder can be employed for internet business:

To offer a free or paid tutorials - People at the moment often use the Internet for important information - and what else is a better technique to provide information than an automatically sent email message? With an auto-responder, you can turn your own knowledge into a profit-generating venture. All you have to do is compose a series of instruction and send them to viewers via electronic mail. You only have to write the course once and only modify it thereafter - after that, the auto-responder will instantly do the do the job.

To introduce members to past resources - The problem most bloggers and businesses have with new followers is this group can easily miss out on old - but still related or useful - material hidden in the archives. An auto-responder can easily bridge this gap by distributing hyperlinks to old content articles and formerly unveiled items that may be of use to new readers.

To execute affiliate marketing - For bloggers who depend on affiliate marketing to gain revenue, auto-responder software programs are a great way to inform viewers about features from affiliate corporations. This is a fantastic method to promote a certain brand in addition to creating product reviews.

To upsell or downsell - Auto-responder applications can help to verify future transactions with past customers by sending messages about offers associated to a currently purchased product. For example, if buyers bought a digital camera from you, an email can later on make them aware about deals on camera essential accessories or photography courses. You can even send them information about a paid or free of charge course presented through auto-responder software programs!

To provide tips - As said before, people often pay a visit to the Internet for guidance. Giving helpful data affiliated to your location of specialty not only addresses this need, it also assists develop trust among shoppers. The key is to produce handy resources - spamming potential clients will only put them off and cause them to avoid your company in the future.

Source: http://graphics-media.blogspot.com/2012/11/five-ways-to-make-use-of-auto.html

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News Summary: Web access fight brews before summit

Country music titan Dolly Parton is anything but shy.In an exclusive interview with "Nightline," Parton dished about her love life (including those rumors that she is secretly gay), losing a drag queen lookalike contest and building a multimillion-dollar entertainment empire.Watch the full story on "Nightline" tonight at 11:35 p.m. ETIn her long reign as a country music legend, Parton, now 66, has done it all. In her new motivational memoir, "Dream More," which will be released on Nov. 27, Parton talks about growing up dirt poor in Sevierville, Tenn., in a cabin with 11 siblings. ...

Source: http://news.yahoo.com/news-summary-access-fight-brews-summit-210645242--finance.html

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Words With Friends adds SMS game invites and notification improvements

Words With Friends

One of the most popular cross-platform word games in the mobile world, Words With Friends, has received an update tonight with a few good parts to it. First off is an interesting (and we doubt very useful) feature that lets you invite friends to games via SMS messages. Zynga also lists improvements to the notification system -- something that has been pretty hit or miss for many users. Unfortunately the notification sticks with a pretty unsightly gray/white striped background, but that's just how things go. Lastly, the game now automatically adds a homescreen shortcut when it's installed -- a curious addition considering the Play Store lets you choose whether you want this or not as a global setting.

You can grab the game for free at the Google Play Store link above. You might just grow your vocabulary while you're at it.



Source: http://feedproxy.google.com/~r/androidcentral/~3/hiOsw_qgdD4/story01.htm

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Investors Covet Kazuo Okada's Manila Casino License | Gambling ...

Peter Amsel
November 25, 2012
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investors-okada-phlippines-license-taiwan-casino-delayCristino Naguiat Jr., head of the Philippine Amusement and Gaming Corporation (PAGCOR), was in Buenos Aires, Argentina earlier this month to address the Ey!12 gambling conference running alongside the South American Gaming Suppliers Expo (SAGSE). Referring to the Entertainment City resort casino mega-complex currently under construction in Manila Bay, Naguiat claimed it was not intended as a challenge to other regional gaming enclaves like Macau and Singapore. Naguiat told Yogonet the ?huge? Asian market meant the region?s gaming zones ?complement each other? more than they compete for customers. That said, Naguiat said the Philippines had ?much more to offer? than some of the other zones, such as ?historical places, beautiful beaches, a strategic location ? gaming is just a small part? of Entertainment City?s appeal.

Indeed, operators are reportedly already sniffing around Entertainment City in case the ongoing bribery investigation surrounding Kazuo Okada results in the suspension of Universal Entertainment?s gaming license. Amado Bagatsing, the chairman of the House of Representatives Committee on Games and Amusement, told reporters this week that there was a ?long line? of interested investors waiting to see if Universal?s license goes back on the auction block. Bagatsing declined to name names but claims there are at least four foreign firms that have expressed interest in the license. Nonetheless, Bagatsing challenged Okada to ?show your goodwill? by depositing the rest of the money needed to finish the construction of Universal?s Entertainment City project. ?If those were mere allegations, then I think [Okada] should proceed.?

It?s a good thing Taiwan?s Lienchang County government is taking its time developing its Matsu Island casino proposal, because the central government now says it won?t get around to passing the necessary casino legislation until June 2013 at the earliest. After that, Taiwan?s Central News Agency estimated the government could take another full year to consider applications and award a casino contract, then another three years to actually build the thing, meaning we could be well into 2017 by the time cards are in the air.

In the meantime, the anti-gambling forces in the Matsu region still haven?t gotten over losing the casino referendum this summer. They?ve now turned their rage against the region?s ?Matsu Gambling Tourism Year One? campaign, which includes plans to host a major mahjong competition starting in January with a grand prize of NT$1.5m (US $51.5k). Anti-Gambling Alliance members picketed the Lienchang County government?s announcement of the tournament, expressing their belief that since the central government hasn?t yet passed the casino laws, the tournament will be an illegal activity. Focus News Taiwan quoted lead zealot Ho Tsung-hsun saying casinos were ?hazardous to human hearts and destructive to families.? Presumably, Ho believes democracy is equally hazardous, because he clearly hasn?t accepted the fact that this is something the majority of Matsu residents want.

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Views and opinions expressed are those of the Author and do not necessarily reflect those of CalvinAyre.com

Source: http://calvinayre.com/2012/11/25/casino/investors-covet-okada-manila-license-taiwan-casino-delay/

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A garden writer heads to Phoenix, where they really turn up the heat

An Iowa gardener hikes the Phoenix Mountains to enjoy the saguaro cactus plants -- and the winter heat.

By Craig Summers Black / November 26, 2012

Sitting outside at the hotel in Phoenix is relaxing and warm, but that mountain in the background beckons.

Curtesy of Craig Summers Black

Enlarge Photos

Last winter, Zone 5 Iowa, where I? live, became Zone 7 Iowa. Which is to say, for the first time in history the temperature did not go below zero. Kinda nice. Almost toasty.

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Then we had a prolonged heat wave this summer. Not so nice. Drought.

But despite the fact that US. weather researchers say that our temps in the past year were the highest since record-keeping began in 1895, the need still exists here to escape the cold. (OK, so I?m a weather wimp.) And one of the few direct flights from this little burg goes to Phoenix

So inside of three hours or so I was relaxing by the pool at the Arizona Biltmore,? an ersatz Frank Lloyd Wright project designed to look midway between a Mayan temple and a mausoleum. At long last, I am warm again.

Phoenix Mountains

There's another bonus of staying at this architectural icon: quick access to the Phoenix Mountains desert preserve. Only 20 minutes from the pool.

OK, so I wanted to get warm, but this rocky incline was hot. Most sensible hikers were carrying water, but I figured I?d only get sweatier lugging the stuff up the mountainside. Six of one ?

Saguaro cactus

Now this place isn?t exactly gardenesque, but it is dang impressive. I don?t know how even cactus grows here. But all around were those wondrous saguaros, all looking as though they were being held up.

Did you know it takes about 75 years for that cactus to grow its first arm? This is another reason national parks in the West have trouble with a different kind of rustler ? cactus rustlers. Seems some McMansion owners don?t have the patience to wait for their own cacti to reach for the sky.

An hour of stumbling over mountain rubble in the baking sun, and I?d enjoyed about as much as I could stand. So I went back to the pool. Funny. I went to the pool the first day to get warm. But now I?m going there to cool off.

What else I?m into this week: Growing a goatee to keep my moustache warm. It?s Mowvember

-----

Craig Summers Black,The Transplanted Gardener, is an award-winning garden writer and photographer who is among more than a dozen expert gardeners who blog regularly here at Diggin' it. You can read more of what he's written at Diggin' It by clicking here. You may also follow Craig?s further adventures in gardening, music, and rural life on Twitter.

Source: http://rss.csmonitor.com/~r/feeds/csm/~3/1K9oG-mwh00/A-garden-writer-heads-to-Phoenix-where-they-really-turn-up-the-heat

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Monday, November 26, 2012

Bell, Virgin Mobile Canada reportedly start unlocking iPhones, at a steep cost

Bell, Virgin Mobile Canada to start unlocking iPhones, at a steep cost

Canadians have had the option to buy a factory-unlocked iPhone for awhile, but liberating Apple's handset after the sale has been officially limited to Rogers and Fido customers. As long as MobileSyrup's leak is the real deal, though, subscribers to Bell and its Virgin Mobile branch can spring for an unlock as of today. That's good news for many, although the hurdle is once again the carrier's desire to keep customers from jumping ship. Those pursuing an unlock will supposedly need to be out of contract, skip any prepaid plans and pay a $75 fee -- in short, they're more likely to derestrict an old, well-worn iPhone than the iPhone 5 they bought last week. We'll just be happy to have another route to hardware independence, and hope that the mention of widened unlock eligibility in 2013 is more than just a rumor.

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Comments

Source: MobileSyrup

Source: http://www.engadget.com/2012/11/26/bell-virgin-mobile-canada-reportedly-start-unlocking-iphones/

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Great Seeking Casino Houses - Arts and Entertainment Blog ...

Gaming on the web is made to deliver thrill and also entertainment initial for gamers. Money concerns second spot. It is quite amazing to play online, since gamblers have many bonus deals and many special offers available on a regular basis. Among all casinos accessible, no deposit casinos have one of the best offers in the marketplace. There, gamers can pick in order to gamble with gambling establishment bonuses without the need for their own real money. However, players can also opt to play with their very own real money and also double their particular
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Any time gamers have the probability to play on the net, they will have lots of joy. Correct now players online are free to decide how much cash they wanna invest. Naturally, they always have the chance to wager for free. Very best fun can be obtained when video gaming online. Significantly, no need to keep worrying about anything. Together with bonuses, online players actually do not danger everything.

This is the reason so many have selected to wager online. When bonuses tend to be wisely invested they might bring a lot of income to gamers. It is as easy as it sounds to experience online. All people who have your own computer attached to the web may join the great world of on the internet. So long in order to land based casinos today. Free play no deposit casinos are the future.

Source: http://blog-arts-entertainment.mysurechoice.com/3863/great-seeking-casino-houses/

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Source: http://punchndominic56.typepad.com/blog/2012/11/great-seeking-casino-houses-arts-and-entertainment-blog.html

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Source: http://oslundjadrian5.typepad.com/blog/2012/11/great-seeking-casino-houses-arts-and-entertainment-blog.html

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Austin Real Estate Secrets: Tim's Top 10 Rules of Real Estate in 2012

Rule 1.?

Experience is truly measured by the number of closed transactions during the past year--not measured by one's "Years in the business".
A Realtor's experience is only as good as the deals they have done during the past 6-12 months. Just because a Realtor has "been in the business for the past 25 years", does not mean that they have sold more than a few houses a year or that they know and understand this current market.

Rule 2.

You won't get a better deal by going directly to the listing agent.

If you are buying a home and hope that you can negotiate 3% off of the top by going directly to the listing agent--you should understand why this does not work in Texas. The commission for both Realtors has already been written into the listing agreement between the seller and listing agent and if you go into a transaction unprotected without a Buyer's Agent--the listing agent will actually be "paid twice"--their commission will potentially increase as much as double* when there is no other Realtor involved--regardless of how much is negotiated off of the price of the house.? Unfortunately, when you do this, you get ZERO representation and almost no information that you should be getting if you had a Realtor represent you. An experienced buyer is never as experienced as a Realtor who buys and sells houses all day, every day, 25-30 times a year. A good Buyer's Agent can tell you about things about a particular property--things that the listing agent can't tell, because the listing agent is representing the seller--exclusively. The Texas Real Estate Commission is very clear in explaining the roles of the Buyer's Agent and the Seller's Agent. A Realtor either represents the Buyer or the Seller--never both at the same time for the same property. Red Flags that a Buyer's Agent may see in a home, property or locations are often not what shows up on a Seller's Disclosure about the property. Because the Seller's Agent represents the seller, there are some things that he may believe to be true, but just can't tell you, like unverified potential problems with the foundation, roof or other features of the home. And there may be things about the area that the listing agent can't tell you, but you should know. If there is no certified or professional documentation for the potential concern, it is not something that the seller is likely going to disclose and the listing agent can't tell you what he does not know to be true about undisclosed potential issues like an old roof or AC system**. This would not be in his client's best interest. And you are not his client.

?

Rule 3.?

Every Market is different.

Every state, city, community and street are different in the business of Real Estate. Generalizations don't work and what is happening in one city or area has nothing to do with what is happening in another. This is true of appreciation, growth, foreclosures, short sales and virtually every aspect of the real estate process.?

Rule 4.

Living in a community does not make someone the real estate expert.
The "business" of Real Estate is far more than knowing where the community pool is located and which neighbors are the ones that people talk about. Everyone can figure out the community map and local "gossip". Having an expert perspective on a community requires real-time experience and an understanding of the local real estate business.

Rule 5.

Building or buying new requires just as much experience.
New homes are a unique corner of the Real Estate Market and your Realtor should be well versed in all the normal aspects of Real Estate (community, comps, growth, schools, etc), and the Realtor should understand Time to Market appreciation of new communities, Construction, and when a new home builder is most likely to negotiate on a particular house and to what degree. It's a whole different ball game and the strategies are different out of necessity.?

Rule 6.?

Every deal is unique.
Having as much information as possible on the history of a home, the seller and what is going on around a specific property is critical to strategic negotiations. Since Texas is a "Non-Disclosure State", published public information is limited to the guesstimates that the county uses to determine tax value in a zip code, not actual sold sales data from the MLS. The county does not have access to MLS sold data and brokers are prohibited from publishing this data publicly.

Rule 7.?

Buyers determine Market Value for a home--not the Listing Agent. A Realtor that loves your home and is excited about your property will not affect either market value or the appraised value of the home. Buyers and their agents are smart. Pricing a home above market value only prolongs the inevitable re-pricing game.

Rule 8.

The Listing Agent does not sell your home.
A robust listing of a home is a function of Marketing and Online Advertising--not Salesmanship. Listing Agents almost never bring "the buyer" to your home and the Listing Agent and their brokerage will almost never be the one that sells your home--no matter how good they feel they are at "selling". The internet has changed this dimension of the business forever.

Rule 9.

An experienced Realtor should always know more.

More about the history of the house, community and area. More about what has sold during the past 6-12 months. More about what is selling in other areas of town and why. More about financial alternatives, reputable inspectors, the contract documents, title and all aspects of the end-to-end Real Estate contracting process. Your Realtor should be a business person who represents your best interests in a Real Estate transaction. Ask him lots of questions. Lean on him. Find out what he knows that you should know before you buy your next house.

Rule 10.

See Rule Number 9.

Disclaimers:

*I am not a real estate attorney and nothing written here should be construed as legal advise or legal counsel. If you have legal questions about any real estate transaction or property, you should seek the advise of a Texas real estate attorney.

**When speaking of commissions and fees, the actual commission rates that a listing agent has contractually negotiated with a seller to sell his/her property is negotiable at the time of the agreement to list the property for sale. There are no set amounts that sellers and listing agent must adhere to when a property is listed for sale.

Source: http://austinrealestatesecrets.blogspot.com/2012/11/tims-top-10-rules-of-real-estate-in-2012.html

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Sunday, November 25, 2012

Simple Tips On Performing Copywriting | Writing and Speaking ...

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First, you must know that a skilled way to ensure that broadcast really respond to your imitation and take proceedings is to consent to them know that you?ll refund their money by lone estimate. When you have your prospects attention, and they think in this area purchasing your manufactured goods, they can often start following guessing themselves. They are made known of their comfort zone as in fact export the manufactured goods, which earnings your possibility, can back rancid by the continue second.

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Third, if you want to get the professional search engine optimization service copywriting methods, you need to consider finding some SEO companies, such as SEO services Australia, SEO services Melbourne and SEO services Sydney. These companies can offer you high quality copywriting services.

This entry was posted in Uncategorized and tagged seo services australia, seo services melbourne, seo services sydney by roger. Bookmark the permalink.

Source: http://writingandspeaking.rrreading.org/2012/simple-tips-on-performing-copywriting/

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Source: http://adrianabarsry245.typepad.com/blog/2012/11/simple-tips-on-performing-copywriting-writing-and-speaking.html

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401K's and IRA's Being Eyed by Obama Administration | Franklin ...

Obama Begins Push for New National Retirement System

A recent hearing sponsored by the Treasury and Labor Departments marked the beginning of the Obama Administration?s effort to nationalize the nation?s pension system and to eliminate private retirement accounts including IRA?s and 401k plans, NSC is warning.

The hearing, held in the Labor Department?s main auditorium, was monitored by NSC staff and featured a line up of left-wing activists including one representative of the AFL-CIO who advocated for more government regulation over private retirement accounts and even the establishment of government-sponsored annuities that would take the place of 401k plans.

?This hearing was set up to explore why Americans are not saving as much for their retirement as they could,? explains National Seniors Council National Director Robert Crone, ?However, it is clear that this is the first step towards a government takeover. It feels just like the beginning of the debate over health care and we all know how that ended up.?

A representative of the liberal Pension Rights Center, Rebecca Davis, testified that the government needs to get involved because 401k plans and IRAs are unfair to poor people. She demanded the Obama administration set up a ?government-sponsored program administered by the PBGC (the governments? Pension Benefit Guarantee Corporation).? She proclaimed that even ?private annuities are problematic.?

Such ?reforms? would effectively end private retirement accounts in America, Crone warns. ?These people want the government to require that ultimately all Americans buy these government annuities instead of saving or investing on their own. The Government could then take these trillions of dollars and redistribute it through this new national retirement system.?

Deputy Treasury Secretary J. Mark Iwry, who presided over the hearing, is a long-time critic of 401k plans because he believes they benefit the rich. He also appears to be one of the Administration?s point man on this issue.

?This whole issue is moving forward very quickly,? warns Crone. ?Already there is a bill requiring all businesses to automatically enroll their employees in IRA plans in which part of every employee?s paycheck would be automatically deducted and deposited into this account. If this passes, the government will be just one step away from being able to confiscate all these retirement accounts.?

NSC has taken the lead in warning the nation about this new government onslaught and is plotting ways to stop it.

?This effort ultimately is designed to grab the retirement nest eggs of America?s senior citizens. This new government annuity scheme, even if it is at first optional, will turn into a giant effort to redistribute the wealth of America?s older citizens,? explains Crone. ?This scheme mirrors what I expect the President will try to do with Social Security. He wants to turn that program into a welfare program, too.?

NSC will likely unveil a new grassroots campaign effort later this year or early in January to coincide with the seating of the new Congress.

(Originally posted 10/13/10)

Now that Barack Obama has been reelected he?s going to push harder than ever to seize private retirement accounts. To sign NSC?s emergency petition against Obama?s new National Retirement System scheme, just click here.

?

Tags: Communism, Government Abuse of Power, Obama

Source: http://www.franklincountyvapatriots.com/2012/11/24/401ks-and-iras-being-eyed-by-obama-administration/

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Saturday, November 24, 2012

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There is an essential legitimate big difference from the gift and also a loan. A very nice family member as well as pal may offer you $5000 for vehicle repairs, for instance. When there's no hope of payment, the cash can be viewed as a gift. The particular giver couldn't sue with regard to payment later on within a city suit. However, if the credit supplier designates the amount of money just like a loan and also the consumer pays back a dollar, the cash can be viewed as a real bank loan and also the loan company can demand payment anytime. Little statements legal courts spend a lot of time identifying no matter whether a financial transaction which include money will be a gift or perhaps loan. For that reason papers is important when designing private financial loans in order to buddies or loved ones.

The requirements for getting that loan are pretty straight forward. In case you are employed, having a regular monthly earnings regarding $800 or higher, and also have a bank account, you satisfy the basic qualifications. A number of creditors inside our network may have additional needs.

Cash financial loans tend to be unprotected lending products removed upon the following wage. Because they're short-term lending products, they may be little; varying from $100 to $1500 and repayment arrives in the next payday. They may be very useful regarding conquering a brief monetary urgent situation, but really should not be regarded as a long-term financial solution.

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The majority of home loan programs are usually addressed by finance institutions or any other professional loan companies. They may make use of a variety of criteria to find out if your potential consumer is qualified for a financial loan. Past credit score is nearly usually deemed, along with current revenue as well as assets. The objective of the money can be a good issue-a established investment possibility could have a lot more appeal when compared with a good misdirected idea for any new eating place. 1 essential consideration could be the revenue to debt percentage from the client. Can the customer have the ability to pay for the bank loan back again with interest? Skilled loan providers basically 'sell' money, consequently consumers should be aware just how much financing really 'costs' when it comes to real cash.

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Source: http://vikcheroky.livejournal.com/409616.html

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Classification Of Web Hosting Phrases | Healthuse - Health ...

Aggressive internet business business owners go for various domain hosting offers. Many people commence cautiously within their web business whilst many people are in it to create an empire. When you are component on the latter team, acquiring a many different domain net host services provider will help you attain your plan.

Creating an internet site generally is a daunting task ? but only from the beginning. Many on-line businesspeople can attest this is an addicting endeavor to choose. The moment you start a website and it earns like ridiculous, you may actually get hooked into developing considerably more and much more web sites. It?s if you happen to start out imagining about in search of various domain webhosting companies.

Contemplate this ? an internet internet business is much more lucrative simply because it provides an extremely decreased overhead expenses. Evaluating it to the actual physical store, your on line digital store can work by itself even though you don?t explore it almost every working day ? no less than if it is an automated internet site. That provides you way more time and energy to control your other using the web web sites. Also, you don?t must be troubled about electric bills and also other rental obligations. On top of that, even though you happen to be asleep ? men or women can purchase off of your web-based store!

It helps make for your surprisingly rewarding venture with affordable preservation expenditures. Some internet websites have a net money of up to 98%! This really is how everyday people get hooked and start setting up additional and much more online resources!

A second rationale why most people get a wide range of domain hosting services could be to secure domain names. For instance, in case you have verified that dogcaretips.com really is a name that brings inside a great deal of targeted traffic, you may want to personal the.net,.org and.data. Like that, you monopolize the marketplace for your ?dog care tips? key phrase! That may be an individual strategy for investigating it.

Selecting a Various Domain Hosting Package

To individual a few internet sites signify you?ve gotten to avail of the numerous domain internet hosting package deal from your Word wide web Provider Provider or ISP. There may be an alternative to have it hosted by many ISPs but why would you choose that? It receives complicated and you also might have a hard time controlling them.

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Upgrading to an A variety of Domain Web hosting

If you?d like being cautious by obtaining a bring down package, make sure you inquire about upgrades before you seal the offer with your ISP. Check with them in regards to the method. There should not be any increased fees to an update but asking will likely not hurt.

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Source: http://www.healthuse.com/classification-of-web-hosting-phrases-3.html

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Leading OB-GYN group endorses greater contraceptive access

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The nation?s largest organization of women?s health professionals said Tuesday that it now supports allowing over-the-counter sales of all oral contraceptives.

The American College of Obstetricians and Gynecologists (ACOG) said in a policy statement released Tuesday evening that making birth control available for women without a doctor?s prescription would help decrease the rate of unplanned pregnancies in the United States, which has remained stubbornly high in recent decades.

Given the group?s prestige and influence, the statement ? a step beyond ACOG?s recommendation last month to make emergency contraceptives readily available ? is considered a significant boost for reproductive rights advocates in easing rules that require women to obtain doctor?s prescriptions to purchase oral contraceptives.

Critics warn that the ACOG shift raises health and safety issues and could undermine parental oversight and authority.

Post Continues on www.washingtontimes.com


Source: http://bighealthreport.com/5834/leading-ob-gyn-group-endorses-greater-contraceptive-access/

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Video: Checking on Tech on Black Friday

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Source: http://video.msnbc.msn.com/cnbc/49941223/

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Friday, November 23, 2012

Top 10 Reasons Why You Shouldn't Invest In Mining Stocks | The ...

The Daily Gold Newsletter

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In consideration of the once profitable mining sector?here are the top ten reasons why you should avoid mining stocks at all costs?

1. They Go Down ? Owning an investment or asset that goes down in value is not the type of situation we want to find ourselves in, or become accustomed too. For example, if you wake up one morning (or any morning for that matter), you will see that your mining stocks are down 25%?leaving you with only 75% of your asset. That 25% literally, got up and walked away.?However, if you wake up in the morning with a gold coin in your hand, it will be the same size and weight as the night before?not 25% ?lighter? as in the case of mining shares.

2. Nationalization of Mines - Every government in the world today is minutes away from seizing all natural resource assets(whether they know it or not), including the US, Australia, and especially Canada. There are lots of industries that represent safer risks, ones that governments will not negatively interfere with?such as insurance, banking, and the auto sector.

3. It?s Just Paper ? Despite the fact that many individuals and funds claim to be making millions (and sometimes billions) investing in and building public mining companies, it?s all just a paper game. At some point, the entire paper money and global finance system will freeze up, reset, and all paper assets will become worthless. Remember?if it?s not small enough to fit in your hand and hold, you don?t own it (that includes your house).

4. Manipulation ? It?s common knowledge that the US Federal Reserve and Global Central Banks, are actively shorting and suppressing gold and silver mining stocks. It works very simply?your stock broker sends a monthly financial report to the US Fed which details your mining stock holdings, and then they go to work. They short what you own, just long enough to induce you to sell. Once you?ve sold the position, it gets updated in the broker?s system, and the Fed covers its short positions?and in doing so, drives back up the price of the stock. Unbelievable.

5. They Don?t Go Up With Gold ? Anyone who?s invested in mining shares in the last few years knows that they no longer track the price of the metals. If you want proof of this, simply look at a chart of the GDX compared to gold going back to 2008. Up until that time, the miners outperformed the metals?but those times are history, and due to the reasons on this list, they will not return. Many people say they?re undervalued, and will snap up in price?yatta, yatta. This time it?s different.

6. They?re At Historical Lows and Going Lower ? Compared against the metals, mining shares are at their lowest levels in nearly 30 years. A 100 year old man was mumbling recently about this, but again, when we look at the performance of the shares since 2008 (included with the other items mentioned on this list), it?s quite clear the shares are going to go much, much lower.?When an asset is at or near an all-time historical low, that usually means it?s going to go lower. Much lower.

7. The Charts Look Horrible ? When looking at the following chart and applying directional technical analysis, we can see that the overlying trend is pointing down. As all great investors say, ?The trend is your friend??we must respect the trend, and understand (as proven by the arrow) that it?s pointing down.

8. They Have Not Confirmed Themselves - One of the best strategies to keep in mind before we even consider investing in the mining sector (haha, fat chance, I know), is to wait for the shares to move higher and break to new highs to confirm that they?re going to go higher in the future. If they can prove they?re going higher, by first going higher?then we know that they?re?actually?going to go higher. At that point we can go all in?and possibly with a little leverage to sweeten up the deal. After all, the new trend will have proven itself to be in place at that point.

9. George Soros Is Getting Involved - By our higher moral and ethical code, we cannot be involved with any investment that George gets his grubby capitalist hands on. This includes mining shares. He has recently invested hundreds of millions in the GLD and the GDX (a portion of which is in call options), and we simply cannot be aboard any ship he sets his foot on, even if that ship is a luxury yacht. Cork the wine, throw the champagne overboard, the party?s over. George is here. We can either sell him our shares, or even short some, while giving him and the Soros Fund Management team the other side of the positions. Besides, clever old George is only holding paper, and as we all know, it?ll be worthless as soon as the yacht makes it out of port.

10. Societal Collapse ? When society ultimately collapses(due to war, peak oil, hyperinflation, famine, disease, Katy Perry, etc.?there?s too many things [and people] to mention here), the only value mining shares will offer, is in the utility of being taped together into a roll and hung in the bathroom. At that point, items of value will include canned goods, hunting weapons (the outdoors will be a great source of food), a dry place to sleep?and of course, beef jerky.

Reflection

If we allow logic to be our guide in the marketplace at this point in time, it would behoove ourselves to divest of mining shares, and accumulate canned food, bows, arrows, pocket knives, and a high quality beef jerky (Slim-jims will suffice if nothing else). A forest cabin with double-locked doors would also offer utility.

As John Wayne once said, ?Life?s hard. It?s even harder when you?re stupid??so let us not fall prey to the mining share promoters and pranksters, who assure us this is a once in a lifetime opportunity to invest in the precious metals mining sector.

All the best,
Tekoa Da Silva

Source: http://thedailygold.com/top-10-reasons-why-you-shouldnt-invest-in-mining-stocks/

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Boosting your business with Pinterest | Gravitate Design Blog

Pinterest has blown up in the past year. From December 2011 to April 2012, the social sharing site grew from 7 million unique visitors to nearly 20 million, according to web traffic analysis service Compete.com. While growth has tapered since then, daily use of the site is consistent and rivaling that of Facebook and Twitter. So it comes as no surprise that most businesses are wondering ?How do I use Pinterest to market my company??

How Pinterest works

First, in case you?re not familiar with the Pinterest world, let?s review the basics.

Pinterest pinboard guidePinterest?s goal is ?to connect everyone in the world through the ?things? they find interesting.? This is accomplished by allowing users to share, curate, and discover new interests and ideas by posting (or ?pinning?) images or videos to virtual pinboards?their own or others?. A pinboard is a collection of pins, usually organized around a common theme. Users can upload images and videos from their computers or pin things they find on the web using a URL, the Pinterest bookmarklet, or a ?Pin It? button (more on this below). The clincher is that every pin from the web, when clicked, takes interested users back to the original source of the image or video. While these are ?no follow? links, they?re invaluable for driving traffic to increase sales, generate leads, build website trust, and build brands.

Creating an account

Before you can use Pinterest, though, you have to have an account on the site. Create an account with the same email address you use for your business?s Twitter account, or use the ?Sign up through Twitter? option when registering. Stick with Twitter and not Facebook here since Pinterest currently doesn?t offer a connection to Facebook business pages. Some setup tips to help you make the most of your Pinterest account:

    • Under the Settings tab, optimize your profile with a company name, logo, a brief description of the business, and a link to your website.
    • Be sure you keep ?Hide your Pinterest profile from search engines? in the OFF position so your profile can get indexed in search.
    • Add a ?Pin It? button to pages on your website with engaging content, so that visitors can easily share the content on Pinterest. Just like other social media?sharing buttons, the ?Pin It? button will help expose your brand to new audiences.

Pinterest for business profile page

Find creative ways to promote your brand

Pinterest discourages using the service as a shopping cart for your business. While it?s tempting to load up a pinboard with all of your products and services, it?s a better strategy to focus on the lifestyle that surrounds your business. For example, Yasso is a low-cal frozen Greek yogurt business that embraces Pinterest?s philosophy. While the company does have pinboards with recipes that include its yogurt, the majority of its boards focus on the lifestyle they want associated with their brand. On these boards, there?s not a yogurt image to be found. This focus on culture over products allows users to learn more about Yasso as a brand. This is the type of content that should be aimed at internet users who are in the ?Awareness? stage of the industry surrounding your brand.

As a general rule, the more compelling the content, the more likely it will be repinned and circulated throughout the community?leading to more traffic and higher brand awareness for your business.

From mommy bloggers to Fortune 500 companies?

Succeeding on Pinterest requires discovering creative ways to communicate how your products and services fit into the lifestyle of your target audience. Here at Gravitate, our digital marketing department has some ideas and tips for doing just that and becoming an authority in your field on Pinterest:

  • Infographics are incredibly popular right now. Try to find or create visual representations of industry data and throw them on a pinboard together.
  • Use hashtags (#). Just like Twitter and Google+, Pinterest supports hashtags in order to make content more search friendly.
  • Offline events make for perfect pinboards. Next time your business has an event, snap some photos to showcase its personality and promote future events.
  • Create a user-generated pinboard. Enabling users to interact through a shared pinboard creates a great opportunity to involve customers in your marketing and let your business?s top evangelists take care of some promotion.
  • Use images you already have. Have an ?About Us? page on your website with headshots of your employees? You can create a pinboard that uses these images and includes a brief bio to increase business transparency and awareness.
  • Engage with your audience. Start following users you think would want to follow you back. Interacting through repins and commenting will increase traffic to your own pinboards and help promote your brand.

Measure your success

It?s vital to see the impact of Pinterest on your business. Is traffic increasing? Are you generating leads? Are there specific topics or image types that generate more traffic than others? Before you invest time on Pinterest month after month, be sure you?ve set up analytics and you?re consistently reviewing the data

Posted on:

Source: http://www.gravitatedesign.com/blog/boosting-your-business-with-pinterest/

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Thursday, November 22, 2012

91% Lincoln

All Critics (163) | Top Critics (43) | Fresh (148) | Rotten (15)

It's the most remarkable movie Steven Spielberg has made in quite a spell, and one of the things that makes it remarkable is how it fulfills those expectations by simultaneously ignoring and transcending them.

Lincoln paints a powerful and compelling portrait of the man who has become an icon. We don't need to see more of his life to understand how rare a figure he was - this window is more than sufficient.

Lincoln offers proof of what magic can happen when an actor falls in love with his character. Because as great as Day-Lewis has been in his many parts, he has never seemed quite so smitten.

The film masterfully captures the dual dilemmas facing the president in the final months of his life: how to bring the war between the states to an end, and how to eradicate slavery, once and for all.

Lincoln is a stirring reminder that politics can be noble. Might there be a lesson here for today's shrill D.C. discourse? 'Tis a consummation devoutly to be wished.

Day-Lewis' voice is thin and reedy, which jibes with historical accounts but subverts our expectations. His attitude makes listeners lean in, and so do we, magnetized by his kindly reserve.

The weight of history is certainly present in every scene, but so are the undeniable correlations between past and present that make it feel so immediate and pertinent.

The very talented cast of this film is put to good use, thanks to Spielberg's sure direction and a strong script, written by Tony Kushner ('Munich').

Perhaps the most restrained and grown-up movie of [Spielberg's] career.

Daniel Day-Lewis is picture-perfect as 'Lincoln.'

Spielberg respects his audience's intelligence enough to tell the complex story and maintain a great deal of historical accuracy.

Why don't we give the best actor Oscar to Daniel Day-Lewis right now and save everyone a lot of trouble?

A poignant portrait of Lincoln's last days, time spent as a marked man making his appointed rounds en route to his rendezvous with destiny.

The best aspect of Lincoln is the stellar performance by Daniel Day-Lewis as Abraham Lincoln. Day-Lewis always is devoted to finding the authenticity.

Lincoln's cast gets high marks for making the film more entertaining than it has any right to be.

Superlative and spellbinding, this surprisingly relevant observation on the essence of leadership is, undoubtedly, one of the best pictures of the year.

Figuratively, at its visual core, 'Lincoln' is a collection of Mathew Brady photos come to life. Daniel Day-Lewis dominates. His Oscar worthy performance encompasses greatness...(He) IS Lincoln.

For all its good intentions and spurts of innovation, it never really comes alive as living, breathing history. Instead, it too often plays like an audio reading of the Congressional Record, with some unwieldy domestic scenes tossed in for good measure.

What I wanted to say to Daniel Day-Lewis and Sally Field: for God's sake, just stop and take your Oscars...you're breaking my heart and you're killing me.

Too long, too many side stories but great work from Daniel Day-Lewis. Director Steven Spielberg often shoots him in poses that make him look like Lincoln's famous penny.

No matter what, Lincoln is a sharp and patient movie that compares well to other contemplative films seen in recent years. Like The Social Network or Moneyball, we step inside the process and explore it in vivid detail.

A lively, intelligent, and even fun examination of how one man inspired America to change forever.

Lincoln lives, vividly, in Daniel Day-Lewis' performance.

Source: http://www.rottentomatoes.com/m/lincoln_2011/

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