book travel: July 2012

Tuesday, July 31, 2012

FHA Mortgage Rates And Refinancing Options in Boulder, CO ...

July 30, 2012 ? Boulder Home Source

A lot of people are presently contemplating refinancing their home loans for lower rates or more secure loans because of the condition of the economy.? If you reply yes to any of the next questions, you might want to strongly think about refinancing to an FHA loan.

Do you currently have a mortgage with a high fixed interest rate?? Do you have an adjustable rate mortgage (ARM) and are you trying to find a low fixed rate? Do you have a second mortgage on the property? Would you want a shorter-term mortgage so you can build equity quickly?? Would you like a longer-term mortgage so you can cut back your monthly payments? Do you have an interest-only mortgage? Do you wish to cash out some of your equity for another major buy? It is very important note that refinancing to an FHA mortgage is just available to homeowners who utilize such property as their main residence.

There are several options presently available for both property owners with and without equity.? The first is known as cash-out refinancing and may apply to FHA loans together with some other types of conventional mortgage loans.? These kinds of programs are most advantageous to homeowners who have properties which have increased in value since their previous mortgage was acquired. These types of loans enable people to refinance their pre-existing loan with one that?s greater than they presently owe.? This gives them extra money for needed expenses.? FHA streamline refinancing is a good option for people who want to cut back their rate of interest fast.? These kinds of loans often don?t need an appraisal and have less paperwork.? They will typically be done by your mortgage broker also, which make them very convenient.Loan modification programs are for those individuals who owe significantly more on their first loan than their property is worth.? These types of loans can also save a house from being foreclosed on.? Loan modifications are supposed to lessen the amount of your payments by decreasing your interest rate and extending the loan period. Short refinancing is another program which has similarities to a loan modification except that it is primarily targeted on reducing the principal instead of just the interest rate.? Both these types of refinancing require cooperation from your current mortgagor.There are many options available to individuals who?re thinking of refinancing their current residence to an FHA loan.? Whatever your motive or your situation, it is best to speak to industry professionals for advice and do research prior to signing a new loan.

If you are interested in looking into FHA loans or refinancing your current Boulder, CO property, contact Boulder Home Source.? If you are looking for Louisville, Colorado real estate consider talking to one of our REMAX Alliance Realtors.

Boulder Colorado Real Estate Blog

Source: http://athomecolorado.com/blogs/guest-blogs/fha-mortgage-rates-and-refinancing-options-in-boulder-co/

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EYES ON LONDON: Guilt, fencing drama, tweet insult

U.S. gymnast John Orozco performs on the pommel horse during the Artistic Gymnastic men's team final at the 2012 Summer Olympics, Monday, July 30, 2012, in London. (AP Photo/Julie Jacobson)

In this multiple exposure photo, Annie Moniqui of Canada competes during the women's 58-kg, group B, weightlifting competition at the 2012 Summer Olympics, Monday, July 30, 2012, in London. (AP Photo/Hassan Ammar)

Chinese gymnast Chen Yibing performs on the rings during the Artistic Gymnastic men's team final at the 2012 Summer Olympics, Monday, July 30, 2012, in London. (AP Photo/Julie Jacobson)

Ukraine's Yana Shemyakina loses her epee as she faces China's Sun Yujie during a women's individual epee fencing semifinals match against at the 2012 Summer Olympics, Monday, July 30, 2012, in London. (AP Photo/Andrew Medichini)

Britain's Corinna Lawrence participates in a women's individual epee fencing round of 64 against Chile's Caterin Bravo Aranguiz at the 2012 Summer Olympics, Monday, July 30, 2012, in London. (AP Photo/Andrew Medichini)

LONDON (AP) ? Around the 2012 Olympics and its host city with journalists from The Associated Press bringing the flavor and details of the games to you:

___

SHOULDERING THE BLAME

The U.S. men's gymnastics team faltered as a team in Monday's finals. But John Orozco thinks he's to blame.

"I feel personally responsible. I did five events and I botched two," he said after the fifth-place finish.

Orozco said he messed up on both the vault ? "If you saw, I fell on my butt" ? and the pommel horse, where "I did so poorly, it counted as if I fell twice."

Sam Mikulak says no one member of the American team was at fault for the performance.

"He's definitely being too hard on himself," Mikulak said, adding the team still showed it is young and improving and "will be a force in Rio."

? Jenna Fryer ? Twitter http://twitter.com/jennafryer

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ANY MEDAL COUNTS

Kristian Thomas finished his floor routine confident he'd done enough to give Britain its first men's gymnastics team medal in 100 years.

But he was too nervous to look.

After his score was posted, and the arena erupted in cheers, he finally glanced over and saw his team had claimed the silver medal.

And then it was gone.

A protest by the Japanese pushed them from fourth to second, knocking Britain down to bronze.

Thomas didn't care.

"We didn't quite get it in our hands, so we never really had it," he said. "Bronze, in our home games, is still absolutely amazing. If someone had told me at the start of the day we'd win a medal, I would have taken that straight away."

? Jenna Fryer ? Twitter http://twitter.com/jennafryer

___

Kentucky GOP Rep. Geoff Davis issues surprise resignation

Kentucky Republican Rep. Geoff Davis unexpectedly resigned from Congress late on Tuesday, citing family concerns.

"Recently, a family health issue has developed that will demand significantly more of my time to assist," Davis said in a statement. "As a result, I cannot continue to effectively fulfill my obligations to both my office and my family. Family must and will come first."

Davis said he submitted his resignation Tuesday to Gov. Steve Beshear and House Speaker John Boehner and that his resignation will be effective at close of business.

Davis had already planned to retire and was not running for re-election in his 4th District, but his resignation will leave an immediate vacancy in Congress and in the representation of his district.

Source: http://news.yahoo.com/blogs/ticket/kentucky-republican-rep-geoff-davis-issues-surprise-resignation-225623702.html

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Remote Control Multi-Function Microwave Could Replace Half Your Appliances [Overkill]

Click here to read Remote Control Multi-Function Microwave Could Replace Half Your Appliances

Seemingly forgetting that 99 percent of the time microwaves are used to reheat pizza, make popcorn, or nuke a frozen dinner, LG has crammed more functionality into its Lightwave Oven than frozen dinner diners will ever need. More »

Source: http://feeds.gawker.com/~r/gizmodo/full/~3/2O_uiENiVeE/remote-control-multi+function-microwave-could-replace-half-your-appliances

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Remain Nike Air Max Nicely toned And Fit With These Valuable ...

An excellent health and fitness routine may be anything you want it to be. Getting fit can make you much healthier or maybe more attractive. It can be a fun activity in itself or practicing for Nike Air Max enjoyable sporting activities. The things you get free from fitness training is dependent upon the desired goals you add ? along with the information and facts you accumulate in advance. The subsequent article will some suggestions that can help.

Jogging in the wintertime can help you to use up more calories. Walking within the snow is harder than jogging on sound ground this means you will use-up more calories. When wandering in the snowfall you can expect to go walking in a slow speed, however, you have to lift your ft . increased this may cause you work harder and use up more calories.

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Before you start squatting heavy weight, you must process squatting with appropriate kind. Very first, you need to stand up in front of a table. Then, as you may squat down, you need to imagine you are about to sit down. When your butt details the bench, drive support. Attempt this using a light nightclub and also as you enhance progressively increase your weight.

Try out to work out each morning. Why? Anything can happen for you throughout the day which makes you worn out, emphasized and flat out unwilling to workout. By starting up your day with exercising, you obtain it taken care of and it?s done. You are able to carry on with your entire day time knowing you?ve already done something good for your health.

Add resistance training in your exercise plan. Resistance training assists build muscle. The more Nike Air Max muscle tissue you have inside your body, the better quickly and efficiently you can burn fat. Level of resistance bands or lighting dumbbells are good options for hitting the gym in your house. You may also make use of individual bodyweight to deliver level of resistance. Exercise routines, such as drive-ups and squats, make your muscles carry the load of the body which develops energy.

When training, will not squander your time and effort carrying out a lot of stomach crunches. If you discover yourself carrying out over 3 groups of 15 ab crunches a training session, you will be squandering your time. Research has discovered that performing more than this is totally useless. You might be basically throwing away valuable power that may be forwarded to Nike Air Max exercising some other component of the body.

An excellent health and fitness suggestion for folks who elevate weight loads is always to expand muscle you have just figured out between each established. Research has shown that people who stretch out between units increase their power by around 20 or so %. This tactic needs to be carried out by all weight lifters all over the place.

These items are just the beginning of the physical fitness details it is possible to look over before Nike Air Max setting your objectives and creating a training routine. With satisfactory education and learning and planning, your decision to get suit might be a profitable 1. The outcome is a much healthier way of living that you will love much more ? and will go longer.

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Source: http://artyapt.com/blog/remain-nike-air-max-nicely-toned-and-fit-with-these-valuable-health-and-fitness-ideas/

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HBT: Greinke strong, but loses Angels debut

Without the injured Mike Trout at the top of the lineup, the Angels got nothing going offensively Sunday ?and took a 2-0 loss to the Rays in Zack Greinke?s debut.

Greinke, who was acquired from the Brewers on Friday, was strong in striking out eight over seven innings, but Jeremy Hellickson was better, blanking the Angels on two hits over six innings. Kyle Farnsworth, Joel Peralta and Fernando Rodney ? the last two former Angels ? finished the Rays? second shutout in two days.

The loss was Greinke?s first in a home start since July 31, 2010, when he was still a member of the Royals. He went 15-0 during his 23 starts at Miller Park as a member of the Brewers.

Greinke allowed both Rays runs after pitching scoreless ball for five innings. The Rays led off the sixth and seventh innings with doubles and scored one run each time. The second run came on a wild pitch.

Greinke has now gone six straight starts without a win. He?ll miss the four-game showdown in Texas this week and make his next start against the White Sox on Friday. That could work out for him; he had his best start of the year against the White Sox in interleague play, pitching nine scoreless innings back on June 22.

Source: http://hardballtalk.nbcsports.com/2012/07/29/zack-greinke-gets-no-help-in-losing-angels-debut/related/

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Gentiva home health - HEALTH, BEAUTY & FITNESS

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Monday, July 30, 2012

U.S. clarifies fee disclosure rules on 401(k) retirement plans

NEW YORK (Reuters) - The U.S. Labor Department on Monday issued guidance on rules requiring companies to disclose 401(k) fees to employees that will be welcome news to most employers.

But for some small companies with 401(k) plans, the guidance may raise more questions, experts said.

Under Labor Department regulations, employers have to provide fee information by August 30 to employees on every "designated investment alternative," or investment choice they offer in their 401(k) plans.

That requirement became more complicated when in May, in response to questions from plan sponsors, the Labor Department published guidance about complying with the rules when it comes to brokerage windows or self directed brokerage accounts. Some 401(k) plans offer brokerage windows, alongside other investment choices in their plans, to enable employees to invest in thousands of different investment vehicles, such as mutual funds and individual securities.

Under previous rules, employers are not responsible for monitoring the investments within these brokerage windows, but are responsible for the investment choices they put in their plans for employees.

But in its May guidance, the Labor Department said employers would have to monitor and disclose not just fees on the investments they offer within their plans, but also on the investments within their brokerage windows.

That was met with vehement opposition from plan sponsors and providers because it was the first time the agency stated that employers could be held responsible for overseeing the investments within their brokerage windows.

"It was a complete departure from everything the agency has said in the past about self-directed brokerage accounts," said Lori Lucas, the defined contribution practice leader for Callan Associates, a consultant to retirement plans.

On Monday, however, the Labor Department clarified its position, stating that employers would not be held liable for monitoring and disclosing the fees of all the investments within those windows.

However, the Labor Department said if a plan does not have "designated investment alternatives," to avoid having to disclose the fees associated with its offerings, that would "raise questions" about the plan's "fiduciary duties of prudence and loyalty."

While most mid- to large-sized 401(k) plans with brokerage windows offer a number of other investment choices, many small plans - particularly those with professional employees, such as lawyers or doctors - only offer brokerage windows, experts said. Those firms may now have to rethink their plan design or risk getting in trouble with the Labor Department, they said.

"There are a lot of small plans that only offer brokerage windows and this guidance makes it difficult for them," said Elizabeth Nedrow, a partner at Holland & Hart LLP, who represents employers with 401(k) plans.

Smaller companies might have to rethink whether they need to expand the offerings in their 401(k) plans, Lucas said.

There has always been some ambiguity around offering self-directed brokerage windows, and what the employer's fiduciary responsibility is overseeing them. This guidance raises more questions for companies that only offer self-directed brokerage windows in their plans, Lucas said.

"If I were in their shoes I would want greater clarity on what this means," she said.

(Reporting By Jessica Toonkel; Editing by Neil Stempleman)

Source: http://news.yahoo.com/u-clarifies-fee-disclosure-rules-401-k-retirement-193952410--sector.html

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Even With The Growth Of Web Marketing Direct Marketing Through ...

Primary marketing companies are popular, they are the specific center of an, and helps an organization survives. Direct marketing companies are very competitive and they know all the ways they can target their customers and produce a great market share for themselves. Internet marketing is also popular and many organizations who use internet marketing could always develop good tips to develop a stir available in the market. Often, there?s confusion as to which form of marketing works the most effective and it really all is dependent upon the type of audience you want to target.Direct mailing companies use letters and mails to market a certain brand or a business. This is an easy way of marketing because clients are kept under control directly and it is sometimes easier and convenient for individuals to learn about a manufacturer this way and a company. Although internet marketing is popular now there is still a great deal of room for direct marketing because it still appears more probable and may bring more clients to your home. Understanding your clients is the best thing and direct mail organizations must perform a study to know whatever manner of marketing is most loved by your customers.Internet requires entry and sometimes when the machine is down nothing can be done correctly. With the host down a business may possibly lose greatly with its marketing efforts and even wind up losing customers. You must have seen that many times while you are doing a search online there are countless ads showing on along side it bar, those are banner ads and they?re a kind of internet marketing. Often these campaigns annoy people and these advertisements can even impede the work that you do so to prevent any interference, direct mail companies use words and postcards.Direct marketing companies still generate a whole lot and these companies can do so far better at gaining market share and making customers alert to models as this gives customers great convenience and this convenience can be great for people. So simply speaking direct marketing through the mail still works now and it?s better to market through direct mail as this makes it easy for consumers to know what?s available in the market and for this and they do not even have to make any attempt to find this out as it just drops through their front door.Therefore, when you want to know which way is better to market and when it?s direct marketing through mailing or is it by the help of internet, you can always say that a lot of people whom don?t have any usage of the internet could never know about what you?re providing. Because of this, direct marketing is the best selection and sometimes the best way to make and market an organization known by probably the most people. Immediate marketing companies could always know if so marketing companies can reach more people at once and who to target to and hence increase market share.

See our website for more details about Traffic Black Book

Source: http://map.smithvisual.com/?p=127291

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B.J. Penn, Invicta FC and Rousimar Palhares: The Morning News Roundup ? 7.28.12

Other than the announcement from Cesar Gracie that Nick Diaz would like to fight Fedor Emelianenko (or something like that), it seems the Olympics are garnering all the attention, with Quidditch and Battle Royale among today's events (go District 6!? Wahoo!).? But there is some solid MMA news out there, hidden among the headlines and blurbs,?and because I like you, I went through the trouble of gathering it?in one place for you to read.? You're welcome.

B.J. Penn and Rory MacDonald have signed up for the more stringent Voluntary Anti-Doping Agency (VADA) testing ahead of their UFC 152 meeting.? Remember: athletic commissions already screen fighters for banned substances, so what Penn and MacDonald?are doing goes above and beyond what's required.? Bravo, guys.

Penn has been one of the more vocal voices when fighters have failed tests, always insisting his brand of fighting is 100 percent natural.? On September 22 he and MacDonald will be totally clean, confirmed by the VADA.

The Invicta Fighting Championships weigh-ins were last night, and?everything is?a?"go" for the all-female MMA card tonight?(broadcast for free on their site).? If you tune in, keep an eye on the main event, which features veteran submission specialist Shayna Baszler (who trains under Josh Barnett and once won a bout with a Twister, which is cool beans) taking on undefeated rising star Sara McMann (who won the Silver Medal in Freestyle wrestling in the 2004 Summer Olympics).? Because of her credentials, comparisons have been made between McMann and Strikeforce champ Ronda Rousey - who took the Bronze Medal in judo in the 2008 Summer Olympics - but I say McMann needs a bit more seasoning.? Watch and judge for yourself, though.? I mean, who the heck am I?

Rousimar Palhares, a.k.a. "Toquinho", a.k.a. "that crazy guy who tears off legs and?will someday go?bonkers in the Octagon and have a psychotic break", won't require surgery for that knee injury that forced him out of his UFC 150 bout against Yushin Okami.? Tatame was kind enough to write something in English about it, so props to them.?

That's it for now.? If the stream is solid enough, I will be watching tonight's Invicta FC and tweeting about what I see.? Follow or don't.? It doesn't matter to me.? I'm used to talking to myself.

Source: http://sports.yahoo.com/blogs/mma-cagewriter/b-j-penn-invicta-fc-rousimar-palhares-morning-135605977--mma.html

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Indianapolis Real Estate: Questions To Ask To Your Real Estate Agent

If you?re considering someone that will help you together with your Indianapolis property deal, then you are definitely taking a step in the right direction. Real estate brokers are experts on the market and help make sure that you are only getting the most effective deal. Whether you?re buying host to your personality, or simply seeking to construct a great property business along with your next great expense home, you?re definitely likely to require a dependable Indy realtor that will help you through the process in addition to answer any issues or questions which you might have. But real property investments are some of the biggest transactions many people undergo in their own entire amounts, and you want to ensure that you?re working with someone who can deliver the greatest service in taking care of that transaction for any person. Here are just a couple pre-determined questions that you?ll definitely wish in order to ask to see if you?re working with the dependable realtor.

How much experience does he have with this business? New agents are valuable, yes, but you?ll definitely want someone whose experience matches your requirements. If you?re looking with regard to investment properties, for instance, you?ll want someone who is able to get you better choices in high profit places. You?ll also want to know what type of properties he usually deals with. If you?re looking to purchase, then make sure that your realtor will help you out with inspection as well as financing, while sellers have to ask about staging as well as listing.

Does he or she possess any referrals? You want to ensure that his previous clients were happy with his services, and this will also will give you a fair assessment in regards to what type of specialized niche that your realtor works together. Was he in a position to provide his clients plenty of time catering to their very own needs? Were they happy with the prices? Just how long did it happen decide to try get with the actual transaction?

How will he get you the thing you need? If you are the buyer or investor, then you need to ask about your dependable realtor?s current listings. Together with your current price range, so what can he offer you? If you?re a seller then request your realtor what their proposed marketing channels are in the Indianapolis real estate. Remember that you could ask about his selling strategies and so on.

These are the particular three questions that you can ask your reliable Indianapolis agent as he begins to work with you. Getting a great realtor is vital in getting to spotlight your Indianapolis genuine property transaction. Contact me from the amount listed above and you may get started on your own property transaction nowadays! Call me and get a free appointment immediately!

Need help with negotiating your Indianapolis Real Estate sale? Great. I would be more than happy to help you contact me at jim@bardesrealty.com or visit Indianapolis Real Estate Blog Site.

Source: http://www.hphousingboard.com/?p=706&utm_source=rss&utm_medium=rss&utm_campaign=indianapolis-real-estate-questions-to-ask-to-your-real-estate-agent

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Sunday, July 29, 2012

Stratford Career Institute Helping Students Train for Motorcycle & ATV

Scranton, PA (PRWEB) July 29, 2012

Stratford Career Institute is accepting enrollments for a newly revised Motorcycle and ATV Repair course that can be completed at home through guided, independent study.

Stratford?s Motorycycle and ATV Repair course offers students a thorough six-module course that teaches the fundamentals of service and repair for nearly every type of motorcycle and ATV on the market. Each module comes with textbooks with detailed illustrations and in-depth instruction on the major systems and components of motorcycles and ATVs.

Stratford school officials say students will graduate with a definitive understanding of how to: use necessary tools and equipment; diagnose, maintain and overhaul brakes, engines, power transmissions, frames and suspensions; and understand how to service and repair motorcycles, dirt bikes, and ATV systems.

?Stratford?s motorcycle and repair course could also help you save money by knowing how to do your own service and repairs. The course materials are exceptional and could be used as a reference for years,? said Dr. Claude Major, PhD, Director of Education for Stratford Career Institute.

Similar to Stratford?s popular high school diploma program, the Motorcycle & ATV Repair course is self-paced and can be completed entirely at home. Students can complete exams online, through the mail or in combination. Instructors are available via e-mail and toll-free phone, and Stratford?s online eService allows students to track shipments, make tuition payments, use the online library, and more.

Individuals interested in learning more about the Stratford Career Institute?s Motorcycle & ATV Repair course can request a free career information packet by calling 1-800-363-0058 ext 9980 or by visiting the school?s website scitraining.com.

About Stratford Career Institute

Stratford Career Institute is a distance learning correspondence school that employs a distinct educational training method allowing students to complete their studies and earn their career diploma at home rather than spending hours in a classroom. Contemporary online tools combined with traditional correspondence education give students the flexibility to study when it is convenient for them. Stratford Career Institute offers more than 60 distance learning courses in a variety of contemporary career fields.

Read the full story at http://www.prweb.com/releases/Stratford/Motorcycle_ATV_Course/prweb9730886.htm

Source: http://money.ca/money/travel-and-hospitality/stratford-career-institute-helping-students-train-for-motorcycle-atv-repair-jobs/

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Video: Rhode calls 5th Olympic medal 'incredible journey'

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Source: http://video.msnbc.msn.com/nightly-news/48389388/

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Five Star Fridays: Hooker Songs Edition (Theagitator)

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Saturday, July 28, 2012

E-gold Investing: Earn money with Currency Trading

Most people are already beginning pay attention to the newest online development: E-gold investing. E-gold trading is an all about a system that allows you to profit from the cash that is being traded daily on the internet. Your work when you are trading e-gold (or e-currencies) is that you are providing the actual backup with regard to internet income. Let me turn back a bit. Just what do I imply by ?backup for internet money??

There is a cashflow or harga emas out of all the money which is being relocated throughout the internet every day. Even so, this money really needs, for every greenback that is being backed up, an actual physical backup of these dollar must exist.

This can be a very light explanation regarding how the dxgold system works, nevertheless to be honest, to profit from it, you won?t need to understand just how it works to learn from it. Basically were to place the e-gold training courses into a metaphor I would declare it?s very similar to driving a car. You don?t need to know how it performs in order to use it properly.

That which you do need to know is the egold exchange process every step of the way. This will likely sound complicated, but once you?re able to know it, it will become a daily program that takes concerning five minutes simply to check up on. Buying e-gold is something that I could describe as a great investing strategy, if you are investing in the end.

It isn?t as quickly as a rising stock inside wall road, it isn?t a thing that will twice your income in a week, but it is something you can expect to generate a good revenue from. As well as the important search phrase in that past sentence should be to Expect, since this is a safe long lasting strategy that?s guaranteed to earn profits for you.

That is why I personally still find it plain absurd not to discover this forex trading system. You know how much money you will make every day in advance.

For some it may be hard, but saving a couple of $ 100 and investing in e-gold can be a very good option. As many people have experienced currently, it can actually turn into a ?hands off? second income minus the 8 to 5 job.

E-gold harga emas hari ini is centered on discipline. Is one of the discipline of getting your money work for you and letting it to grow, with out getting an urge of a purchasing spree and also taking your hard earned money out of your accounts. If you think you can wait for a several months and are thinking about getting a subsequent income, then the e-gold system might be a good in shape for you.

If you want to know more about harga emas just visit the website at http://hargaemas.net.

Source: http://answers.carecrunch.com/?p=150104&utm_source=rss&utm_medium=rss&utm_campaign=e-gold-investing-earn-money-with-currency-trading

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Olympic Torch Reaches End of Worldwide Tour (Voice Of America)

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Vietnam's tiger farms called trafficking hubs

AN BINH, Vietnam?? Nineteen tigers prowl outdoor cages the size of dormitory rooms, nibbling frayed wire fences and roaring at a caretaker who taunts them with his sandal.

It looks like a zoo, but it's closed to the public. The facility breeds tigers, but has never supplied a conservation program with any animals nor sold any to zoos.

Conservationists allege that Vietnam's 11 registered tiger farms, including this one, are fronts for a thriving illegal market in tiger parts, highly prized for purported ? if unproven ? medicinal qualities.

Nonsense, says manager Luong Thien Dan. He says the farm in southern Binh Duong province was created simply because its management has a "soft spot" for the big cats, and that it's funded privately by a beer company.

"At first we just kept them as pets, but when they started to breed, we got excited and wanted to expand their population," Dan said during a tour of the farm, about 25 miles from Ho Chi Minh City.

The illegal wildlife trade is worth an estimated $8 billion to $10 billion per year in Southeast Asia alone and includes tigers, rhinos and other lesser-known animals.

The conservationists say the loosely regulated farms are used to "launder" illegally caught wild tigers, which they say are mixed in with stocks of legitimately bred animals, and that products from their carcasses are later sold on the black market.

The conservation group WWF this week ranked Vietnam as the worst country for wildlife crime in its first such survey of how well 23 countries in Asia and Africa protect rhinos, tigers and elephants.

The Switzerland-based group focused its report released Monday on countries where the threatened animals live in the wild or are traded or consumed. Vietnam's foreign ministry did not immediately respond to a written request for comment on the WWF report.

However, the government has commented on the tiger farms, saying in a 2009 report that they are aimed at breeding tigers for "future reintroduction programs." No captive tiger has been successfully introduced to a wild population anywhere in the world.

Some proponents of wildlife farms argue that they can ease the pressure on wild populations by lessening the demand for poached animals.

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But in Asia, such farms are largely unregulated and create "an avenue for trade in something that you shouldn't be trading in," said Vincent Nijman, a wildlife trade expert at Oxford Brookes University in England.

Vietnam is now being accused of becoming a key driver of an illegal trade that spans continents. Advocacy groups say the government's support for captive wildlife facilities ? especially tiger farms ? suggests that although it professes wildlife conservation, it actually is helping to drive threatened animals toward extinction.

China, which the Washington-based Brookings Institution calls the "world's largest market for illegal trade in wildlife," finished the second worst in WWF's ranking, but received praise for recent efforts to police the illegal trade in ivory and tiger products.

In 2010, Chinese authorities required the country's two largest tiger farms to place microchips in live tigers and keep track of the carcasses of animals that die.

In neighboring Vietnam, however, the prime minister's decision in 2007 to legalize tiger breeding farms on a pilot basis has "undermined" the government's wildlife enforcement efforts, the WWF wildlife crime report said.

It added that captive tigers now appear to be a "substantial proportion" of the world's illegal tiger trade. Tiger bone paste ? which some Vietnamese say is an effective pain killer ? can fetch a few hundred dollars per ounce ($1,000 per 100 grams) on the black market.

The 35-page WWF report comes on the heels of a controversy in May, when international environmental officials and wildlife advocates learned that Vietnam's agriculture ministry had proposed allowing parts of tigers that die in captivity to be made into traditional medicine on a pilot basis.

An official at the ministry, Do Quang Tung, denied critics' charges that the proposal was designed to effectively legalize trade in tiger products, and an official at Prime Minister Nguyen Tan Dung's office told the AP earlier this month that Dung had rejected the proposal.

The global population of wild tigers has dropped precipitously over the last century, from about 100,000 to fewer than 3,500. According to the wildlife advocacy group TRAFFIC, at least 200 tiger carcasses were seized from the illegal trade worldwide last year. Vietnam is one of 13 countries with wild tigers, but they number less than 50 in Vietnamese territory, according to government figures.

Wildlife advocates say Vietnam's tiger farms have high mortality rates and cannot possibly sustain their reported populations without sourcing smuggled tigers, which they say often enter the country via its mountainous border with Laos ? a country ranked the third worst offender on WWF's wildlife crime report.

According to Vietnam's Ministry of Agriculture and Rural Development, 49 of the 112 tigers living on the 11 registered tiger farms were born in captivity.

Tiger farm manager Luong Thien Dan said tigers at his farm typically die after fighting or when mothers neglect to breastfeed cubs, and that all dead tigers are cremated under supervision from local authorities.

He told the AP that he couldn't recall how his farm acquired its first cubs, nor how many tigers have died since the farm opened.

Dan says the farm covers expenses ? raw meat runs about $7,200 to $9,600 per month ? with profits that his cousin, Ngo Duy Tan, earns as a beer keg manufacturer.? The rusty tiger cages sit on Pacific Beer Company's 75,000 square foot property, across a parking lot from silver brewing tanks and a giant pile of malt.

Farm management hopes to open an ecotourism park to showcase its tigers, but Dan said the farm's future is uncertain because it has only a temporary permit from the prime minister. Dan said he would welcome a government move to legalize the selling of tiger parts for use in traditional medicine.

"It would be good for society and for us," he said.

Source: http://www.msnbc.msn.com/id/48353425/ns/world_news-world_environment/

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Jay Carney Won?t Say Which City Is the Capital of Israel

White House spokesman Jay Carney refused to directly say which city is the capital of Israel during a press briefing Thursday, saying only ?our position has not changed.?

?I haven?t had that question in a while,? Carney said with a slight laugh when a reporter asked whether the Obama administration considers Jerusalem or Tel Aviv to be Israel?s capital. ?Our position has not changed.?

?What?s the capital?? the reporter repeated.

?You know our position,? Carney said.

The exchange grew somewhat heated when World Net Daily?s Lester Kinsolving interjected, ?She doesn?t know, that?s why she asked?she does not know, she just said she doesn?t know ? I don?t know!?

Carney still held firm, saying only, ?Our position hasn?t changed.?

A state department spokeswoman had a similar exchange with reporters back in March.

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Video: Will Ferrell pokes fun at Romney?s London Games gaffe

'Girl' reporters with HIV get taste of power

Mandisa Madikane and Sthokozo Mabaso are HIV-positive journalists with GlobalGirl Media, which sent them from their homes in Soweto, South Africa, to cover the International AIDS Conference in Washington, D.C. this week. "I know my voice is out there," Madikane said.

Source: http://www.msnbc.msn.com/id/3036697/vp/48360638#48360638

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Small Business Outsourcing: How to Save Time and Increase Your ...

Do you have a small business superhero complex? It?s what happens when you think you can do it all yourself. On top of doing the work that you do best, you?re tackling accounting, marketing, design ? the whole works!

If your goal is to work yourself into an early grave, keep on going! If you?d rather have a thriving business with some time to rest and relax, then it?s time to outsource. Avoiding outsourcing when your business is growing can hold you back. By outsourcing in several key areas, you can save time, boost your personal productivity and help your business bloom

What Can I Outsource?

Outsourcing can cover everything from web design to answering client emails and everything in between. Outsourcing for your small business will typically fall into one of three categories:

Highly skilled expertise: This category of outsourcing includes reaching out to expert consultants to get their guidance. Even though you wear all the hats in your small business, you can outsource to a financial expert a few times a month to get CFO level insight into your business books. The same goes for marketing, strategic business building or any other higher level decision making areas.
Repetitive tasks: As the owner of your own business, you don?t need to spend your weekends adding new social media followers or filing receipts. Repetitive tasks like these can be outsourced to an assistant, virtual or otherwise, to free up your time.
Specialized skills: You?re excellent at what you do, but there are dozens of other tasks that go into running your business that you aren?t so great at ? like web design, copywriting or accounting. These specialized skills should be outsourced so you can get the level of quality that you need to run or market your business.

Yes ? virtually anything can be outsourced. But before you start, you need to make some critical decisions about how much you can afford to outsource.

Figuring Out Your Outsourcing Budget Caps

When you?re bootstrapping your small business, the last thing you want to do is spend money that you don?t have to. That?s why the first important step in outsourcing is figuring out your costs ? no matter what category of outsourcing you?ll be using.

There are two types of outsourcing needs most small business have ? ongoing monthly needs and special project needs. For special projects, like the launch of a new website, you?re going to have to budget for the entire project at once. If you have no idea what the project might cost, get quotes from several providers or run a test project on a freelance job board to see what the standard is (more about those job boards later).

For monthly time saving tasks, you?ll need to figure out how much time you?ll save by outsourcing and compare that to your typical hourly rate. If you?re a business coach charging $100 per hour, and you?re spending five hours per month handling your accounts receivable and payable, then that?s $500 you?re spending on that task. If you can find a bookkeeper to do that all for $65, that?s savings of $175 each and every month ? which equals an extra $2100 per year in possible billable time.

Look through your typical business week and figure out where you can save some time. Are you spending a lot of time on customer follow-up? Are you pre-filling social media updates a few hours each week? Are you blogging when you should be coding? All of these tasks can be outsourced to save you more money.

How to Find Good Talent

Once you?ve decided what you need to outsource, and how much budget you have to work with, it?s time to start your search. Finding the right contracts is critical to making outsourcing work for you. There are few different ways you can find the right help:

Referrals: Ask your professional network. Reach out to a few key contacts and let them know what you?re looking for. Finding a contractor through your existing network should be your first stop. The service provider has a proven track record with your contact, so you know they can be trusted.
Social Media: Any social media site can connect you with a potential service provider, but LinkedIn is often the best place to start your search because you can get more in depth information about a provider?s experience.
Freelance Job Boards and Bidding Sites: Posting ads on job boards or using a bidding site like eLance, Guru or oDesk can put you in touch with a number of different providers all at once. You can post your job description and service providers will contact you through the service to give you a quote and show you their experience.

Making the Right Hire

Any of these resources can be a good place to find a service provider, but your intake process is what really makes the difference between an outsourcing nightmare and a great working relationship. Here are some keys to making the right hire for your needs:

Get to the Point

Making a great hire starts with your job description. In order to get the best price and the best talent, you need to be clear about what you need. Be as descriptive as possible in your request whether you?re emailing a referral or posting a job board. This gives your potential hire a good idea what you?ll need so they can price accordingly.

For example instead of asking for ?a 500 word article on taxes for small business owners? try to get specific.

?I am a small business accountant who needs regular blog posts on small business topics, including finances. For this article, I?d like an article on the newest exemptions that small business owners are eligible for. Please include subheadings throughout the article, and make it actionable. The word length should be between ?

Review as Much As Possible

Once you have a few people to get in touch with, or several bids that look promising on a job board, you need to carefully review their past work. If you?re outsourcing designers or copywriters, this is pretty straight forward. But how about an administrative assistant, bookkeeper or marketing coach? They don?t have a portfolio ? but they do have referrals. Check out their LinkedIN profile and ask if you can speak to past clients.

Ask the Right Questions

In addition to reviewing samples and speaking with past and current clients, you need to talk with your potential hire directly. Getting an in person interview with your potential service provider is ideal, but if that doesn?t pan out be sure to get them some questions via email. Here?s a short list of what to include so you can get a feel for their experience, their process and your expected results.?

?1.?How long have you been doing _____________(bookkeeping, graphics, content writing, etc)?

This gives you some insight into how experienced they are in their chosen field.

2.?Why did you decide to become a ____________?

This is a good question to learn about their background and judge their enthusiasm for their field.

3.?What are your primary skills that you?d say you?re best at?

Avoid anyone who says ?everything.? All professional service providers have something their best at doing ? and are proud to share it.

4.?What other skills do you have that can do but aren?t doing much of right now?

As your small business needs expand, you?ll probably need them to do more tasks for you. This gives you a good idea of how you can proceed.

5.?How many clients do you currently have on your active roster?

This gives you an idea of their workload and whether or not they?ll have the time to devote to your work.

6.?What is your process like?

A great service provider has a specific way that they work in order to be efficient and effective.

7. What are your typical working hours?

This is very important if you?re hiring a virtual assistant or someone you?ll need to be in live contact with frequently.

8.?Do you work on a retainer or a project basis?

This is essential to know ahead of time. Many VAs charge upfront retainers each month. Be sure you know how much work you?ll need before you hire.

Depending on the nature of your project, and the type of service provider you?re looking for, these questions may need to be adapted. Use them as springboard for your own list of questions.

Get Started with Your New Provider

Let?s say you?ve found just the person you need ? they have the skill set and the referrals, and they passed your interview process with flying colors. Now it?s time to dump a bunch of work on them, right? Wrong. No matter how great a provider looks on paper, you need to start small. Test them out with a smaller project to see how you work together. This will give you a better idea of their style. If you?re working with a virtual assistant, hire them for a specific set of tasks and see how they work. If it?s a graphic or web designer you?re testing out, have them work on a small ad or social media background before handing over a larger project. The same goes for writers ? test out an article or two before you have them create a content marketing campaign.

You don?t have to start small with just one provider though. Why not test two or three at once to narrow down your choices even faster? If you need three articles written, select three different content creators and see how the process works. It will let you test out their responsiveness, attention to detail and directly compare their work.

Before you start working with your new hires, you?ll also need a contract to cover everything that you and your client will do together. There are dozens of freelance contractor agreements that will work with a few adaptations. No matter what you select, be sure a lawyer looks over the final version so you can be sure you?re covered. The contract should cover the type of work to be completed, the amount you?ll pay and important milestones.

With signed contract in hand, and a small project in mind, you can hire your new service provider and let them make your life easier. If they knock the ball out of the park, start giving them more work to boost your profitability and save some time.

Good luck!

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Source: http://www.bidsketch.com/blog/save-time/small-business-outsourcing/

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