Prepare Your Albuquerque Home For Sale | Albuquerque Real ...

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Since a large part of my real estate business is working with Albuquerque home buyers I ?wind up showing a lot of homes. Each time I?m out showing buyers around I?m struck with how obvious it is to me and to them which of the home owners have taken the time to prepare their home for the real estate market and which ones haven?t. In fact, it?s not unusual to see everything from houses that look like model homes to houses that look like the crew from ?Hoarders? will be pulling up at any minute.

Here are some tips to help you begin preparing your Albuquerque house for the market:

• Start packing now! If you?ve been in your house for more than two years you?ve probably accumulated a whole bunch of stuff that?s taking up space. Start decluttering now, don?t wait until your home sells to start boxing stuff up because, frankly, if you don?t declutter it won?t ever sell. Home buyers like open, uncluttered spaces!
• Start cleaning now! Haven?t been down on your hands and knees wiping down your kitchen cabinets lately? Well, go get some knee pads and dig in! Home buyers love houses that are squeaky clean!
• Paint those brightly colored rooms! Did you paint your children?s bedrooms bright blue, pepto pink and lime green? Run, don?t walk to the nearest Sherwin Williams store and buy neutral color paint. Buyers love neutral colors!
• Replace the carpet! Well maybe you won?t need to, you can always offer a carpet allowance?Wrong! Carpet allowances are not allowed by most lenders these days. Keep the 3:1 rule in mind: if it takes $5,000 to carpet a house the buyers are going to want to take $15,000 off the price of the house.
• Get a Pre Listing Home Inspection! All buyers have home inspections done these days, so if there are any repairs that need completing the buyers are going to discover them and they are going to demand they get fixed a certain way. Find out what problems there are now, if any, and have the taken care of. In the long run you will save money.

Sorry if that sounds like a lot of work, but take my word for it, taking time to prepare your home for the market will pay off big time in dollars and in time.

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Related posts:

1. Albuquerque Real Estate Market Report
2. I Want to Buy an Albuquerque Home, How Do I Get Started?
3. Albuquerque Real Estate Show
4. 7 Tips for Making a Smart Purchase on an Albuquerque Home
5. Albuquerque Market Reports for Agents

This entry was posted in For Sellers by Rich Cederberg. Bookmark the permalink. Rich Cederberg sells Albuquerque real estate and Rio Rancho real estate for Venture Realty Group. Call him at (505) 803-5012

Source: http://www.albuquerquerealestatebuzz.com/for-sellers/prepare-your-albuquerque-home-for-the-real-estate-market/?utm_source=rss&utm_medium=rss&utm_campaign=prepare-your-albuquerque-home-for-the-real-estate-market

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Jetsettersblog ? Pritikin Longevity Center & Spa treatments

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Source: http://www.jetsettersblog.com/blog/2012/02/28/pritikin-longevity-center-spa-treatments/

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Russia's Putin says not afraid after murder plot (Reuters)

[unable to retrieve full-text content]Reuters - Vladimir Putin brushed off a reported plot to kill him as part of his daily burden as Russia's prime minister on Tuesday, burnishing his macho image five days before a presidential election he is likely to win.

Source: http://us.rd.yahoo.com/dailynews/rss/europe/*http%3A//news.yahoo.com/s/nm/20120228/wl_nm/us_russia_putin_plot

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Source: http://news.feedzilla.com/en_us/stories/politics/top-stories/205522976?client_source=feed&format=rss

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File Taxes Online with TurboTax - Personal Finance - eWallstreeter

From: Money Smart Life - 4:55am - February 27, 2012

TurboTax is one of the most popular tax preparation programs these days. One of the best features of the tax software is it?s easy-to-use interface and the way it walks you through filling out your tax forms. If you haven?t used TurboTax before, it starts by asking questions about your situation and helping you begin [...]

Continue reading this article ?

Source: http://ewallstreeter.com/file-taxes-online-with-turbotax-2911/

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Iran and Israel: Who's the bigger threat?

Several readers responding to Israeli historian Benny Morris' Feb. 14 Op-Ed article calling for a military attack to stop Iran'snuclear program noted that Morris did not acknowledge the Middle East's lone nuclear power: Israel. Some said the doctrine of mutually assured destruction worked for the United States and the Soviet Union, so the likelihood of two nuclear-armed states in the Mideast wiping each other out is minimal.

But others who discussed Israel's status as a nuclear power said it, and not Iran, presented the greater threat to peace. Reader Jon Williams of Goleta, Calif., wrote:

"Benny Morris' logic goes: Because Tehran is intent on building a nuclear weapon it will undoubtedly use against Israel, the United States, or possibly Russia, must launch a massive preemptive strike against Iran or else Israel will itself attack Iran with a nuclear weapon.

"Talk about holding a gun to the world's head.

"Iran does not have a nuclear device, claims not to be building one and hasn't even talked about striking Israel militarily. Israel, on the other hand, has the bomb now. Who's the greater danger to both Israel and to world peace? Israel is dragging the rest of us along into a world of hurt."

Benny Morris responds:

My logic is simple: Diplomacy and sanctions have not stopped Iran's nuclear program. If it isn't stopped militarily, Iran will have nuclear weapons in the near future.

There is a vital difference between a nuclear-armed Israel and a nuclear-armed Iran: The Iranian regime is bad. It assaulted and murdered its own people following President Mahmoud Ahmadinejad's fraudulent reelection in 2009. It supports terrorists beyond its own borders, including against Israel. The regime is also mad; it has threatened Israel's destruction.

But Israel, even when massively attacked by Syrian and Egyptian forces in 1973, has never used nuclear weapons, which it has had for more than 40 years. Israel has never threatened its neighbors with destruction. Though it may have a hawkish right-wing government in power, Israel has always been (and is now) run by rational, sane leaders who would never use nuclear weapons unless faced with apocalyptic circumstances.

Comparing the two countries ? a democracy and a totalitarian theocratic dictatorship ? is silly and smacks of moral relativism. Visits to the two countries would make this obvious.

I did not suggest that Israel use nuclear weapons to destroy Iran's nuclear facilities. Such an attack can be carried out with conventional weapons ? and done better and more thoroughly by America, deploying its missiles, Air Force and Navy, than by Israel.

But once Iran develops its own atomic weapons, a nuclear war will surely follow ? and not necessarily between Iran and Israel (though this confrontation is the most likely one). Iranian nuclearization will be followed in short order by nuclear proliferation across the Middle East: Saudi Arabia, Egypt and Turkey will all seek to develop their own deterrents. And in this region's unstable reality, anything can ? and is almost sure to ? happen.

Source: http://www.latimes.com/news/opinion/la-le-postscript-israel-iran-nuclear-20120225,0,6170770.story?track=rss

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Would you think you?ll be able to perform the pool games inside your pc screens? Or if you want to you can borrow your new flat screen television keep track of to get much better watch plus a great deal a lot more excitement in enjoying, and you can have entertaining moments along with your developing up child in the cost of one?s own home.

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Source: http://gambling.online-casinos-a-z.com/2012/deluxe-pool-sports-games/

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Gold Coin Buy and Purchase Precious Metals in Brownsville ...

Buying gold and silver including gold and silver coins can be carried out by purchasing items which are made from them. Some of which include jewelry, coins, bars or bullions. These may be found in legitimate stores and over the internet. Dealers, traders, jewelers, and mints keep these things in some pieces or perhaps in bulk.

This boost in the gold investment was because of the economic crises which in fact had hit the markets about a last year. Then a investors looked to more solid and safer assets like gold. Ignot is the most suitable in giving hedge in several unpredictable socio-economic conditions.
Another silver purchasing idea is to invest in to a silver mining company. With mining company investments, your success will be greatly dictated from the company?s income. As well as their profits depend on overhead costs as well as numerous additional factors. When silver values start to rise, the company?s shares will too. Be advised that a lot of sliver mining companies usually do not only deal with silver; in most cases, silver is mined alongside of copper and zinc. What this means is any profits you earn out of this form of investment will greatly rely on other base metals besides silver.
The key incentive for top gold investment demand will be the belief that the rate of expansion of interest in bullion will outpace the availability of gold. The vulnerable financial situation has compelled the investors to diversify their stock portfolios. Hence, they?ve rightly turned to gold. A lot of the investors have become holding a minimum of Ten percent of their investment holdings into real bullion or gold related assets. Bullioin is considered to be like an insurance policy against financial and monetary crisis.

Generally, the low risk assets are often low returns assets. Which means you ought not expect to get extra rich through investing in gold. The essence of many gold investors is just to hold their wealth in type of assets that may beat inflation.
Gold is a near money issue. Unlike other assets such as real estate, gold is considered as near money, and so, it is something you can certainly dispose off when you need actual money to assist you sort out your own personal business.
The pre-set situation suggests that the interest in bullion will continue to be healthy. It would appear that gold is here now to sustain a captivating market and encourage robust investments. There is growing awareness amongst investors regarding bullion being an indispensable investment vehicle. Gold gets the possibility to play a strategic role in the face of a multi challenged financial setup. Many investors turn to gold eft?s, which are regarded as just about the most desirable hedges against economic downtime. ETF investment makes up about a sizable chunk of total ignot investment.

Now is the time to become gold investing, since the dollars which can be put into gold now will be restored triple fold. Physical gold, coins and gold bullion, will be the security blanket that may keep you warm when things get cold on the market. Investing in gold stocks enables you to leverage your hard earned money and select the moon shot if the dollar really requires a dive!
Gold has an investment option that is totally suited to those who would like to diversify. Should you hold several stocks and you also want to diversify your investment so as to minimize your risk, gold investment should be one of your considerations.

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Source: http://finance-web-guide.com/?p=127140

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Managing Mobile Devices in Business

Submitted by Jaymes Marsh on February 24, 2012 - 2:11 pm No Comment

It seems as though it was only yesterday when large companies issued BlackBerry?s to all their staff and demanded that they only use the company mobile device during business hours. The tide has turned and many organizations are finding their employees are no longer accepting these corporate-issued BlackBerry mobile devices as their only mobile option. More and more employees are using their own smartphones for business purposes, with Android and iPhone at the forefront. Smartphone use is on the rise with research giant?Nielsen?projecting that half of all sold U.S. mobile phones by 2012 will be smartphone devices. With this increase, how do companies envisage managing their mobile devices?

It?s not just the employees that have realized the importance of mobile devices in the work place. CEO?s have also taken note that mobile phones can be used in their business as a tool in which to house custom-built apps which increase employee productivity, send email on the go and browse the web with ease. It?s not just the larger enterprises that are taking the smartphone route. Small to medium sized companies are dropping their bulky laptops and turning to Google?s Android and Apple?s iPhone.

Tablets are also making their mark as they present a new mobile way in which to work. Android tablets such as the Motorola Xoom 4 and the iPad are being snapped up by businesses intent on empowering their staff to work whilst on the go.

CEO?s and employees are firmly aboard the smartphone and tablet bandwagon, but where does the IT Manager fit into all of this? After all, smartphones and tablets present an entire new platform to manage. It?s all well and good handing out thirty or forty and in some cases, hundreds of smartphones and tablets to all your employees, but have these companies worked out the processes of managing these mobile devices? Problems arise when the CEO receives an email from his/her stressed IT Manager, claiming that it?s near on impossible to manage all these devices because the Android and iPhone operating systems differ. How do they differ? Well, they offer?different capabilities for security and remote management for starters. Even the email platform you use on the phone can affect how you can secure and manage the mobile devices you let into your organization. Therefore, you can imagine the sleepless nights your IT Manager may be having at the thought of securing each and every mobile device that has been handed out to the employees.

3CX Mobile Device Manager helps businesses to manage their mobile devices as it?s a robust, hosted mobile device management platform that easily enables companies to secure all their connected devices, be it an Android smartphone or tablet. Security is a significant part of the mobile device world. As a business, you?ll need to be able to remotely lock and wipe all your mobile devices as well as set strong password policies. 3CX Mobile Device Manager provides an abundance of features that are geared to assist businesses when it comes to managing mobile devices. Features such as App Deployment and Find and Track are being used to help businesses boost their productivity without harming their bottom line.

Sign up for your free 3CX Mobile Device Manager account here and review the Getting Started with 3CX Mobile Device Manager article. Who said managing a host of mobile smartphones and tablets had to be difficult and time consuming?

Source: http://www.mobiledevicemanager.com/mobile-device-management/managing-mobile-devices/

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Best Online On line casino Gambling and Strategies | Monster Article

The player which feels much more involved in his gaming is much more satisfied even if he or she did not hit the largest jackpot.

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Source: http://monsterarticle.info/best-online-on-line-casino-gambling-and-strategies.html

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Santorum, Romney close but neither tops Obama - polls (reuters)

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Calif. pledges better mobile privacy disclosures

SAN FRANCISCO (AP) ? Mobile applications seeking to collect personal information will have to forewarn users as part of an agreement reached in California.

The guidelines announced Wednesday by California Attorney General Kamala Harris are designed to protect consumers who don't realize that some applications are pulling potentially sensitive data from their smartphones and computer tablets.

Harris says mobile apps that will keep users' personal information will have to spell out their intentions in privacy policies that potential users must see before the apps can be installed on a device.

Six of the mobile computing market's most powerful companies have agreed to set up ways to post the privacy policies in online app stores. The cooperating companies are Google, Apple, Amazon.com Microsoft, Hewlett-Packard and BlackBerry maker Research in Motion Ltd.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/495d344a0d10421e9baa8ee77029cfbd/Article_2012-02-22-Mobile%20Apps-Privacy/id-b72f203ed2034c4481d912801085ffed

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Afghans, US may defer issues in strategic deal (AP)

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AP - The U.S. and the Afghan governments are considering pushing through a long-delayed partnership agreement by moving the contentious issues of night raids and control over detainees to separate negotiations, officials from both countries said.

Source: http://us.rd.yahoo.com/dailynews/rss/asia/*http%3A//news.yahoo.com/s/ap/20120222/ap_on_re_as/as_afghan_us_partnership

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A victim of the recession: prompt real estate taxes | Richmond ...

Land developers make up the biggest chunk of tax delinquent businesses in the Richmond area. But the list also includes a golf course in Henrico, a music venue downtown and a planned sports complex in Chesterfield, according to local tax records obtained by BizSense as of Feb. 15.

One of the largest delinquents in Hanover County is Northlake Land Investments. It owes $152,000 in taxes and is in the process of selling a large parcel of its land to the state for the new home of the Department of Game and Inland Fisheries. That project will be developed by a new company, Northlake DGIF, LLC.

Gibson Wright, the owner of the Northlake property and Dominion Land and Development, said once the property is sold, he would use the proceeds to pay the property taxes owed on the land.

Wright is far from alone.

?We have definitely seen some fluctuations from year to year,? said Carey Adams, chief deputy treasurer for Chesterfield County. ?There is no doubt that the downturn in the economy has affected us in tax collection.?

In Chesterfield, entities that comprise Roseland, a bankrupt and yet-to-be-built 1,300 acre development, owe more than $500,000. (The Chesterfield County tax delinquency figures were first reported by the Chesterfield Observer.)

Also on the top 10 delinquent list in Chesterfield is SportsQuest LLC, the sports campus that has hit a few snags of late. It owes nearly $75,000 in taxes to the county. (You can read more about SportsQuest here.)

In Richmond, RIC Capital Ventures LLC, an entity tied to the downtown music venue The National, owed $84,000, according to city records.

Some of the largest delinquent businesses in Henrico County are various entities tied to the Tetra Companies, a defunct Virginia Beach developer that has seen much of its Richmond area real estate go into foreclosure.

And when it comes to real estate taxes, counties have a message for delinquents: They will get nearly every dime of their money on the land.

?For real estate it may take a year or two ? we collect about 99.9 percent of it,? said Scott Miller, Hanover County?s treasurer.

As developers have struggled ? and a handful of the big tax delinquents are in bankruptcy ? there is no doubt the collection rate has suffered, Miller said. For example, Hanover collected 97.12 percent of the taxes due on June 5, 2011, but that is down by almost a full percent from last year.

That pressure makes it harder on the tax collectors, so don?t look to get a lot of sympathy from cities or counties.

?If 97 percent of the county paid their taxes, some [taxpayers] had to make some sacrifices,? Miller said. ?It may have been hard but I think the tax payers expect us to try and collect from those who aren?t current.?

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About the author: David Larter View all posts by David Larter

David Larter is a BizSense reporter and covers commercial real estate, advertising, healthcare and small business. David graduated from the University of Richmond. Please send news tips to David@richmondbizsense.com.

Source: http://www.richmondbizsense.com/2012/02/20/a-victim-of-the-recession-prompt-real-estate-taxes/

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Ohio grandparents-to-be learn child-rearing tricks | Sandusky Register

Anyone approaching the status of a grandparent clearly survived parenting the first time around. And babies are still babies.

Yet much has changed in the 30 or so years since many modern grandparents last cared for infants.

Babies sleep on their backs, not on their stomachs. They eat whenever they want, not according to a schedule.

They have sleep sacks, fold-up playpens and multiple car seats ? and rubber duckies that measure the temperature of bath water.

Progress even applies to the important topic of diapers, parent educator Tobey Huntley recently explained to an Ohio class of grandparents-to-be at the Elizabeth Blackwell Center at Riverside Methodist Hospital in Columbus.

These days, cloth diapers are fastened with Velcro instead of safety pins. ("Wow!" exclaimed a class member, watching as Huntley held up the new product.)

Disposable diapers come with indicators that reveal when they have become wet. ("That's hilarious," another said.) Oh, but they cost about $17 a pack, Huntley warned. ("Dang!" someone complained.)

A few such surprises contribute to the monthly GRAND!parenting class that OhioHealth, like other organizations nationwide, offers to expectant grandparents in need of a remedial course.

The class evolved from conversations in support-group meetings during which new parents mentioned that some of their mothers' pearls of wisdom, though well-intentioned, no longer fit today's rules.

Carla Armstrong of Pataskala recently took the class after becoming a grandmother for the fifth time. Her son and daughter-in-law suggested it after she put a blanket in the baby's crib ? which is no longer advised by pediatricians.

"I raised four boys, but that doesn't matter," Armstrong, 67, said of the parenting changes. "It's too funny; it's like you didn't do it ? and that's because things are different."

Sleep rules constitute the biggest changes for grandparents: Within the past two decades, the American Academy of Pediatrics has recommended that babies sleep on their backs in cribs free of any toys or blankets to reduce the risk of sudden infant death syndrome.

Among other health and safety developments covered in the class: sleep sacks to replace crib blankets, an increased number of doctor visits and vaccinations, and car seats that should be inspected by professionals and used on the drive home from the hospital.

"I came home in a basket in the front seat in the '60s," Huntley said with a smile. "Times have changed, you know?"

Grandparents could also use a refresher on situations they might have faced decades ago, Huntley figures. Handing her students a flip book of photos, she shared a series of cheerful reminders about common newborn characteristics that can incite panic in new parents.

"Remember that the feet can be bluish for the first day or so?"

"Remember all that soft baby fuzz on their face?"

The little white bumps on the baby's face? The dry, peeling skin? The scaly "cradle cap"? How the baby's head might be alarmingly cone-shaped at first?

"Remember being so worried about all those little things?" she asked the seven grandparents-to-be as they took notes inside a classroom at the center.

When the time came to study circumcision recovery photos, the lone grandpa in the room turned red, explaining that he can't even stomach medical TV shows.

"It looks like the movie Saw," he whispered to his wife, disturbed.

Once, one of the participants did pass out during the class, Huntley noted. But most are excited.

Huntley devotes a portion of the class to discussing the modern role of a grandparent, now that they're often daytime caregivers or at least more involved in the baby's care than were their own parents.

She reminded them to be helpful without assuming control: No rearranging the kitchen without the new parents' permission, she said, or arguing, "But you turned out fine."

"They're not actually the parents, and sometimes it's hard to rein that in," Huntley said of her students. "They're going to see their own child differently; sometimes, that's something they haven't even thought about."

Grandmother-to-be Toni Hill of Columbus recently disagreed with her daughter over using a "safety duck" that gauges the temperature of bath water. Hill, 57, advocated instead for using an old-fashioned test: the elbow.

She attended the class with the stepmom of the baby's father so that the family has the same ideas about caring for her.

"I have to realize that they're the parents and let them do things on their own," Hill said. "But if they need us, we're here for them."

Source: http://www.sanduskyregister.com/columbus/news/ohio-grandparents-be-learn-child-rearing-tricks

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The Services Of An Optometrist Canada | New Health and Fitness

New Health And Fitness.Org - Health Information You Can Use

The eyes are vital parts of our body, but they can have problems like any other organs. Squint is a common problem that can occur. It may be in different forms and is mostly present in young kids. Basically one of the eyes, or even both of them may drift either inwards or outwards. In other cases the deviation may be upwards or downwards too. In this condition the eyes will not always be in a linear position. Some people who have this condition may only experience it from time to time and not permanently. An optometrist may work on this type of eye problem. If a squint eye has to be treated hiring an optometrist Canada is highly advised.

There are many optometrists who can render their services to you. The first step they will do is to assess the eye or eyes to observe the reaction to light and other stimuli. This test is made up of different parts which will depend on the age and severity of the squinting of the patient.

An optometrist is usually trained to deal with children since most squint patients are in fact children. In these cases, the test will be mainly based on lights and pictures.

The optometrist will measure the deviation of the eyes and record the important measurements and observations. These will give the diagnosis of the patient?s condition as well as the best subsequent treatment they can get.

Because children cannot read, a vision test is often performed using cartoon characters they are familiar with instead of the normal alpha/numerical eye chart. In addition to the usual examination, focus is on correcting any deviation of eye positioning. This may be done through eye exercises, or prescription glasses and/or patching.

If surgery for squinting becomes necessary, it is important one chooses an Optometrist who works with a reputable Ophthalmologist. Other times, an orthoptist?s advice will be needed, especially prior to the scheduled surgery. The eye muscles may need adjustment in order to achieve a more linear result. With a team of specialists, surgery or whatever is deemed necessary will help the patient achieve much more perfect vision.

Learn more here: optometrist Canada

Source: http://newhealthandfitness.org/2012/02/19/the-services-of-an-optometrist-canada/

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Returns and Drawbacks of Mountain Bikes | davecandoit.net

Some types of bicycles known as mountain bikes are especially designed for travelling on high mountains, hills and unbalanced places. Mountain bikes are mostly used in a famous game known as mountain biking. Like everything mountain bikes have some advantages and disadvantages too. Their common advantages are that they good for environment, low in price, and help the rider to stay away from different diseases, live a healthy life and discover the natural beauty easily. But if the rider is not well trained, mountain biking can be really dangerous. It can cause severe accidents and sometimes even the death of the rider. Therefore it is necessary to get a proper professional training on mountains and unbalanced surfaces before riding the bikes. It has been observed that sometimes parents do not stop their children from doing these dangerous activities. Thus, parents should give complete guidance to their children while keeping in mind the dangerous aspects of mountain biking.

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Posted in: Individual Sports | Tags: mountain bikes

Source: http://www.davecandoit.net/sports-recreation/individual-sports/returns-and-drawbacks-of-mountain-bikes

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Green Cleaning Methods Are Best For Home Improvement ...

19
Feb

Save Money By Using Green Cleaners To Improve Your Home Yes, of course you can find excellent info about all things Gold Coast Personal Training, but the body of knowledge can sometimes look intimidating. As we have sometimes heard, and maybe you too, that if you do not immediately recognize there is a lot more that should be learned then you may stop at what you do know. We know you are smart, and most people are, and as you push the envelope a little bit you will suspect important things are just beyond the article you are reading, etc. So just do not allow your self to assume too much or get too comfortable with what you know. The one thing you do not fall prey to is feel like your knowledge is well-rounded by just a cursory exploration of the subject. There are lots of different home improvement projects you can take on. The beginning of any home improvement should be a thorough cleaning, if you really want to raise its value. If you want to keep pumping harmful chemicals into your house, then don?t stop using those traditional cleaners you have been using. There are methods for improving your home that are better than others, and one of the best is turning to green products for cleaning. You can increase the value of your home by using green cleaning methods, and this article will show you a few of them. It is possible to clean your mirrors and windows without using ammonia-based cleansers. Do not listen to the people at Windex who will tell you otherwise. Ammonia is terrible for your lungs. It might make your windows sparkly for a little while but the damage it does when you breathe it in is more important, don?t you think? You can do green cleaning and have sparkling windows. But how? Make a spray out of water and lemon juice. By mixing half a gallon of water with 4 tablespoons of lemon juice, you will have a green solution. Mix it extremely well. Just put it in a convenient spray bottle and clean your windows and mirrors. It is important to not use paper towels. The environmentally friendly solution is to use a soft cotton rag instead. Simply wipe your windows to make them clean. Never forget the most important part of this is you plus your moving forward after reading about gold coast window cleaner, here. The only way you will ever make a difference in your own life is by overcoming inertia that binds so many others. We do not really know why most people do not advance themselves, but that seems to be the common thing to do, or not do. As you well know, even though overcoming inaction can be tough at first, once you just get started will make all the difference. A lot of folks, both women and men, will be able to take these few techniques and really put them to excellent use. As you can see, we are not done yet ? please keep reading to learn more. Instead of using a dryer, start hang drying your clothing. Hanging clothing up to dry in the sunshine doesn?t always work, because of the weather, so there are times when a dryer is convenient. If you are concerned about your carbon footprint, then you will concerned about using too much electricity by using a dryer for your clothes. You will get more static electricity in the winter, when you are using dryers, whether they are gas or electric, and they are bad for the environment, no matter which. When you dry your clothes by hanging them up, more than the environment benefits. When you are drying your clothing in a hot dryer all of the time, they will wear out much quicker because of all the banging around. Adding houseplants are the best form of green living you can get. The environment is enlivened with plants, but that is not all. They work as air filters and purifiers as well. Some people use fake plants made out of rubber, which don?t do much good, but an actual rubber plant will, along with English Ivy, peace lilies and spider plants, because of their cleansing properties. These plants are miracle workers by exchanging toxins in the air, and giving off oxygen instead. For an 1800 square foot house you?ll want at least a dozen though a dozen and a half would be better. When you are thinking about buying an air purifier, get some plants instead, because they do a better job. Keeping your home as clean as possible will not only make it more enjoyable to live in, but increase its value also. Switching to cleaning techniques which are environmentally friendly by using green products will make your home?s value increase. Green cleaning products will improve the structural state of your home, while harmful chemicals have the opposite effect. One does not have to look far to see how expansive the influence of website design gold coast really is. It is completely normal for all of us to just go along with life until problems begin to arise, and then we take notice. Just learn what you can about it, and then try not to make too many assumptions about anything. If you only would examine your own and others? behavior you will discover that preventatives is low on the priority list for so many. Even when there are just a few hints about a potential situation, it can be easy to overlook it and others simply ignore it. That is why we always urge those we communicate with to become knowledgeable and keep learning.

This entry was posted in Uncategorized and tagged seo, seo company. Bookmark the permalink.

Source: http://www.garagemahalcamp.info/green-cleaning-methods-are-best-for-home-improvement/

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Top 5 Antivirus Software To Secure Your PC From Virus Threats ...

[unable to retrieve full-text content]Computer Notebook Technology Update Software Antivirus and Games Online Information Saturday, 18 February 2012 - 16:33. Home · About · Computer Technology Update Information · Antivirus · Computer · Games Online ...

Source: http://www.fnetf.com/2012/02/top-5-antivirus-software-to-secure-your-pc-from-virus-threats-malware/

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Hackers target Putin's vote-monitoring system (Reuters)

[unable to retrieve full-text content]Reuters - Hackers have tried to crash a vast network of web cameras which Vladimir Putin has ordered to allay fears of vote-rigging in the March presidential election, a deputy minister said on Friday.

Source: http://us.rd.yahoo.com/dailynews/rss/russia/*http%3A//news.yahoo.com/s/nm/20120217/wl_nm/us_russia_election_putin

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The Truth Is That Small Businesses Are Not Good At Creating Jobs

NEW YORK (AP) ? Mitt Romney says they're "job creators" and vows to come to their aid as president. Newt Gingrich visited them on his "jobs and growth" bus tour. President Barack Obama calls them "the engine of our economy."

If there's one thing Republicans and Democrats agree on, it's that small business is the answer to what ails the economy. On these tiny bundles of entrepreneurial energy, they say, rides the nation's hope for lower unemployment and faster economic growth.

But the work of several economists suggests that most small businesses are not particularly adept at creating jobs, at least not the best jobs. The work also suggests their role in generating national wealth has been exaggerated.

The problem is that not all small businesses are created equal. Businesses just getting off the ground contribute most of the country's job growth, but older small businesses cut as many as they add.

Think Bill Gates and Paul Allen huddled together late nights developing Microsoft, not the corner liquor store.

"I don't want to pick on dry cleaners and restaurants and small manufacturing firms, but they're not a big source of job creation," says John Haltiwanger, an economist at the University of Maryland.

Politicians like to say that small companies create two of every three jobs in a given year. That's less impressive when you consider that almost all the 6 million companies in the U.S. ? 99.9 percent of them ? are small businesses, with fewer than 500 workers.

What's more, two-out-of-three masks the fact that most small businesses eliminate more jobs than they create in a given year, either through layoffs, closings or bankruptcy.

And many of the rest, the ones that don't shrink or shut down, don't offer much hope for the millions of Americans looking for jobs.

Many small companies ? outfits like florists, hardware stores and barbershops ? tend to grow with the U.S. population, not faster. So they don't speed the economic recovery the way an exploding new industry might.

According to an August study by two University of Chicago economists, most small business owners just want to be their own boss and never expect to hire more than a few employees.

In fact, the more you study the numbers, the more you wonder what the politicians are getting so excited about.

Haltiwanger and two other economists showed, in a study of millions of companies over 30 years, that small businesses no more than five years old ? that's about 40 percent of them ? are the only ones that create more jobs each year than they cut.

In 2005, for instance, more than 99 percent of the 2.5 million net new private-sector jobs in the United States came from these startups, according to the U.S. Census Bureau.

But the 60 percent of small businesses that have been around more than five years act as a slight drag on the number of jobs available in the United States. They have cut about 0.5 percent more staff than they have added in a typical year, according to Haltiwanger.

By contrast, big businesses, the ones that get all the headlines for layoffs, have hired more than they have cut ? about 0.1 percent in a typical year.

Economist Charles Kenny of the New America Foundation, a nonpartisan research group, goes as far as suggesting that Washington should stop offering certain incentives to small business owners, such as loan guarantees and write-offs on taxes for home offices. He says the money would be better spent subsidizing research and development.

"If you want jobs, you have to focus on the innovative firms trying to provide something new and different," he says.

The country's unemployment rate is 8.3 percent, the lowest in three years. But the U.S. still has 5.6 million fewer jobs than before the recession. Assuming the pace of hiring from last year continues, it will take three years to recover all the lost jobs.

Small businesses aren't helping much. They cut more workers than they hired in all but three months last year, and contributed zero to job gains again in January, according to a survey by the National Federal of Independent Business.

To change that record, Republicans say Obama needs to cut federal rules and paperwork that are burdensome for small businesses that don't have human resource departments, legal staff and vast resources like big businesses.

To comply with federal regulations on the environment, for instance, companies with fewer than 20 workers spent $4,101 per worker in 2008, or 4? times more than companies employing 500 or more, according to the Small Business Administration.

The same study showed these businesses spent three times more per worker on tax preparation than did their larger counterparts.

"As regulatory complexity increases, it's hard on small firms," says William Dunkelberg, chief economist at the National Federation of Independent Business, a group closely allied with Republicans. "We need to get government out of the way."

But many economists think the root of the job problem is deeper.

Again, it's the difference between old small businesses and new small ones, and the U.S. is not creating enough of the new ones.

It was true even before the Great Recession: The number of startups less than a year old was no higher in the boom year of 2006 than it was 30 years ago, when the economy was much smaller, according to the Census Bureau. And the ones that are launching are hiring fewer people, too.

The grim takeaway is that the U.S. could struggle with high unemployment long after a pickup in economic growth.

Even the idea that small businesses play an outsized role in the economy has come under attack lately.

A study from the left-leaning Center for Economic and Policy Research shows that the self-employed worker, that rugged exemplar of the small businessperson, accounted for less of the working population in the U.S. than in the other 20 rich countries tracked, except for Luxembourg.

Another study by economists at Harvard and Dartmouth suggests that might not be such a bad thing because poorer countries are more likely to have a higher share of their workers self-employed.

Adding fuel to the argument, Kelly Edmiston, an economist at the Federal Reserve Bank of Kansas City, showed that workers at small businesses are more likely to lose their jobs and less likely to have vacation days, retirement plans and a range of other benefits, including health care. Some 41 percent of companies employing less than 100 people offered no medical insurance at all.

So, myths about job creation aside, why isn't the U.S. launching more startups? The risky economy, regulations or health care costs ? a bigger burden for small companies ? could be scaring them off.

Haltiwanger thinks demographics may be at work. He says businesses are often started by people in their 30s and 40s. So as the population ages and more baby boomers retire, the number of startups falls.

"We're a roll-the-dice economy. It has a lot of spillover effects," he says. "But we're not experimenting enough."

Source: http://www.businessinsider.com/the-truth-is-that-small-businesses-are-not-good-at-creating-jobs-2012-2

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DARPA Researches Avatar Surrogates

The argument could be made that this is already the case, with "expendable" soldiers acting as the avatars for politicians or other unscrupulous sorts.

To a certain extent, yes. But human lives still have value, if not to the politicians, to the military leaders calling the shots, and to the people who have to read about it in the paper.

Consider: a little shy of 4,500 US soldiers have died in Iraq since hostilities began in 2003, and nearly 33,000 have been wounded. Stalin wrote that 1,000 deaths is a tragedy, 1,000,000 is a statistic, and the same holds true for this conflict: 4,500 dead is a *lot*, but it's a number most of us can wrap our heads around,

Source: http://rss.slashdot.org/~r/Slashdot/slashdotScience/~3/v85qy08N7VQ/darpa-researches-avatar-surrogates

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Suggestions About Creating A Profitable Business Plan ? World Of ...

When it is time to start your own personal business - regardless of whether you intend to start an internet business, retail store, service-based business, internet shopping web site or in any manner - the 1st step often involves publishing your own business plan. With no your own business plan, you simply will not know how to get started, or the way to improve and keep your new business.

A business strategy plan is an easy roadmap. It's really a strategy which informs you what ensure do, when, and the way. The organization strategy helps as well you clarify the type of business you are going to start, who your web visitors are going to be, and what your service are going to be way too.

If you intend to try and get money on your new company from a standard bank, common mortgage lender, or trader, you must develop what's called a proper business strategy plan. Professional business plans provides an index of nero your company and sector, go into very revealing details about your items, prospects and areas, companies, earnings estimations, analysis of the competition plus more. These elegant business plans might work twenty webpages in length and acquire months in order to complete.

Small business owners nonetheless, don't want elegant business plans to obtain thier business begun. Often your small business can create their first business strategy plan as brainsorming notices, or sets out. This also is fine to start with.

The significant portion even though, is really writing down a strategy. Many times, minuscule enterprises will endeavour to start without any business strategy plan, so their concepts are obscure and they also normally are not familiar with which methods to use following. By publishing something photoscape straight down, although it is every bit very everyday pondering notices, you will have a significantly clearer photograph of which kind of business you choose, and the way it needs to improve as time passes.

Here are a couple of things you should think of when publishing your company strategy:

1. What kind of organization are you currently starting? Would it be a retail store? An expert service? An on-line website?

2. What is the function of your new business? An organization might be begun for entertainment, but if you want it is rewarding then you need to know why you will be starting it. Have you been filling up a necessity of some sort? Developing something never witnessed previous to?

3. How your company earn cash? Would you like to advertise products and solutions therefore, the ones? Where will you will get these products from? ccleaner Just how much do you want to pay for these products and the way significantly do you want to advertise them for?

4. Who'll be your web visitors? Understanding who your web visitors are going to be is often a essential element of publishing any business strategy. Once you discover your web visitors survive minimal preset salaries as an example, then you quickly know you are unable to advertise them goods which price tag thousands of dollars. Understanding who your web visitors are going to be also enables you to know where you should place your marketing and advertising initiatives.

5. How would you get individuals prospects? No matter if you intend on getting in touch with most of them on the telephone personally, or you can be choosing a first class salesforce, you need to know how you will get prospects or maybe your business might never get off the ground.

These are just the fundamental methods for publishing your own business plan naturally, but they are the most important people.

Source: http://www.pronatura-chiapas.org/suggestions-about-creating-a-profitable-business-plan/

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GM earnings hint at threat from Europe woes

By John W. Schoen, Senior Producer

General Motors Thursday became the latest American employer to report that the deepening economic slowdown in Europe has begun to take a toll on corporate profits. And Europe's economy is likely to get worse before it gets better, according to some analysts.

As the United States and China shake off the lingering effects of the worst economic downturn since the Great Depression, the global economy faces the risk that the recovery could be derailed by European problems worsened by political divisions that have divided the Continent for a century or more.

Though American employers recently have begun picking up the pace of hiring at home, the profit slowdown abroad could put a damper on further job creation.

So far, the U.S. economy and financial markets have largely shrugged off the ongoing debt crisis in Europe. The broad Standard & Poor's 500 is up more than 20 percent since last fall, and the widely followed Dow Jones industrial average is within hailing distance of the key 13,000 level.

But some?observers?believe the European deadlock may be entering a new, and much more dangerous, phase.?

"Just because things were looking OK at the end of last year doesn't mean that they will continue to look OK," said Richard Cookson, chief investment officer of Citi Private Bank. "Our best guess is that conditions will continue to deteriorate. This is going to be unpleasant, to put it mildly."

General Motors reported flat earnings for the fourth quarter despite rising?sales, largely because of a $600 million loss from its European operations.? Rival Ford also has reported a slowdown? in European car sales. European officials said Thursday that eurozone auto sales there fell 13 percent in January from a year earlier as jittery consumers postponed buying new cars.

U.S. carmakers aren't the only ones reporting trouble on the European front. General Electric last month warned analysts that while the global conglomerate sees continued growth prospects in emerging markets from China to South America, the company expects its profits in Europe will be hurt by the recession there.? In recent weeks, Tiffany, 3M, Alcoa and Baxter International also reported that the European slowdown has begin to hit the bottom line.

While European imports of goods and services represent less than 3 percent of U.S. gross domestic product, the companies in the S&P 500 count on the eurozone for 14 percent of their profits. U.S. foreign direct investment in Europe totaled nearly $2 trillion at the end of 2009, compared to less than $50 billion that U.S. companies have invested in China, according to the Congressional Research Service.

On Thursday,?Treasury Undersecretary Lael Brainard told the Senate Banking Committee that the?U.S. economic stake in Europe is "immense" and said that while the U.S. recovery has strengthened recently, it remained vulnerable to a potential worsening of conditions in Europe.

"Our banking system still has material exposure to the core of Europe and to the broader banking system, which could be impacted if financial stress were to broaden in Europe," Brainard said.

After more than a year of political squabbling over how to bail out its debt-laden southern members, the European Union is sliding into recession. Economic data released Wednesday showed the eurozone GDP shrank in the fourth quarter as Germany, the continent's economic flywheel, shifted into reverse. The contraction accelerated in hard-hit Italy, Spain, Portugal and Greece.

Since 2007, the Greek economy has shrunk by 20 percent as repeated government spending cuts have stifled economic growth, further shrinking the country's tax base and fueling a downward spiral. ?

Despite a series of repeated promises and announced solutions, European politicians continue to squabble over a plan to head off a default by Greece on its debt. After widespread rioting over the weekend in Athens, German finance officials expressed doubts that Greek officials could hold to their promises to extend deep cuts in spending imposed as a condition of a $171 billion lifeline to head off a March 20 default. A new deadline for an agreement has been set for Monday.

"Even if an agreement on the package can be reached next week, there are plenty of other stumbling blocks that will need to be overcome to prevent a disorderly default in March," said Ben May, senior economist with Capital Economics.

For nearly a year, European banks have been bracing for the prospect of heavy losses stemming from Greece. As bonds issued by Greece, Portugal, Spain and Italy have lost value, bankers have been raising capital to offset the anticipated losses. In December, European Central bankers sought to cushion the blow by flooding the banking system with cheap money and easier loan terms.

But those moves may not have gone far enough. On Thursday, credit rater Moody's warned that it may downgrade 17 banks and 114 European financial institutions as the impact of the debt crisis spreads.

The warning followed the late Monday announcement that Moody's had cut the?ratings?of Italy, Portugal and Spain. Though France, Britain and Austria retained their top credit scores, Moody's also cut their outlooks to "negative" from "stable." The agency said the downgrades were based on both the uncertainty about outcome of the Greek bailout squabble and the widening eurozone recession.

The Greek government still has a few weeks left to strike a deal before a $19 billion bond payment comes due March 20. But some analysts think the government has already run out of time to renegotiate those payment terms with bondholders, who would need several weeks to review the complex set of agreements.

It's far from clear just how badly a Greek default would rock the European economy and global financial system. With more than a year to prepare for the possible outcome, investors and bankers have had time to hedge those potential losses. But?

even if the direct impact is relatively muted, a default would almost certainly force Greece to exit the European Union and plunge the country deeper into a depression as creditors fled and government spending collapsed.

A Greek default would also reverberate loudly in other southern European countries. If the Athens government is unable to negotiate a lifeline with its European neighbors, those countries could face similar long odds securing financial assistance

"The biggest cost of a Greek bankruptcy will be the emergence of the worm of doubt, our new friend," said Carl Weinberg, Chief Economist, High Frequency Economics. "If Euroland governments cannot get their acts together to save little old Greece, they probably will not be able to bail out other nations."

?

Source: http://bottomline.msnbc.msn.com/_news/2012/02/16/10426186-gm-earnings-hint-at-threat-from-europes-widening-woes

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Car Finance ? Three Great Financing Options | Guaranteed Auto ...

Sorry, Readability was unable to parse this page for content.

Source: http://www.guaranteedautoloans.info/car-finance-three-great-financing-options/

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Windsong Properties - Atlanta Real Estate Forum

Windsong Properties knows that active adults enjoy entertaining, having guests over and even spending time with their grandkids. The builder?s ranch homes with masters on the main floors are designed to do just that. Homes are perfect for outdoor parties, overnight guests, neighborhood gatherings and more!

Homeowners find that courtyards are great for throwing outdoor parties. Plus, they get to show off these unique spaces. Courtyards are perfect for gardening, ponds, cute patio furniture and, of course, grilling out. Guests will love everything about them.

For overnight guests or visiting grandchildren, Windsong Properties offers casitas in its Stratton floor plan. These quarters are separated from the main home, yet are under the same roof. Guests will appreciate the privacy and feel as if being in a bed and breakfast.

Entertaining would not be the same if neighbors weren?t included. Homeowners of Windsong homes can have as many gatherings they want with welcoming front porches?perfect for greeting friends or even happy hour!

If these sound like great ways to entertain, take a tour of Windsong at Seven Hills. Located in Dallas, the community offers maintenance-friendly living so that residents can enjoy all of the social activities at the community?s exclusive clubhouse.

Homes feature two- and three-bedroom courtyard designs with optional terrace levels. The floor plans appeal to the elegance and sophistication of today?s active adult homebuyer and are easily accessible.

Windsong at Seven Hills is just a half-hour from Downtown Atlanta and 45 minutes from both the North Georgia Mountains and Hartsfield-Jackson International Airport.

To schedule a tour, call 770-917-8082. For more information, visit www.WindsongLife.com.

Source: http://www.atlantarealestateforum.com/entertaining-guests-at-ranch-homes-built-by-windsong-properties-57564/

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