Friday, 30 September 2011

Amazing Numbers in Biology Download PDF Book

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Rainer Flindt

?This book will become ragged with use?.A labour of love and listing. Amazing Numbers is better than googling, because it has a sensible index and you don?t have to wade through a whole load of irrelevance to get what you want. It?s also logically divided into such sections as ?Size?, ?Blood? and ?Germination?, and, just in case you ever want to check, all the facts are referenced. A warning though ? this addictive book will keep you absorbing odd little facts: dimensions of a bread mould?s mitochondria anyone??
? BBC Wildlife
With hundreds of tables and over 10,000 entries anyone who works or studies in the life sciences or those with a curious mind will find exact answers to many questions requiring comparative data. This book is a clearly laid out presentation of the plain facts of life from all areas of biology. Biology comes alive through the facts found in this comprehensive reference work.
Warning: Anybody who starts to browse through this book will not easily stop reading!
From the reviews of the previous versions:
?A must, not only for everyone interested in biology but also for all parents .. `Hey Mom, how long does an XX live??, or as supplementary material for general education ..? Biotec
?For many years the book .. belongs to the indispensable tools of university teachers and lecturers in the biosciences. But also biology teachers will find stimulating ideas for their lessons ..? Annals of Anatomy
?Facts and figures that not only inform but also entertain ..? Focus

Click: Download Amazing Numbers in Biology? eBook (PDF)

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All Types Of Financial Aid | Chillicious | All About Finance

There are lots of kinds of financial aid, all of which need that a FAFSA form be filled out by the pupil. Federal student loans, given by the government, are probably the most common. Other forms of financial aid consist of scholarships, private student loans, and grants.

The Pell Grant is an amount of money given to a student by the government depending on income-based require. This type of financial aid isn?t student loans because it doesn?t have to be paid back. To be able to discover whether or not you prepare for the Pell Grant, or federal loans, all you should do is fill our your FAFSA (Free Application for Federal Student Assistance). The highest amount that the Pell can pay out per pupil for the 2010-2011 year is $5,550.

The significance of a grace period in repaying a student loan is great for a person to know. After an individual graduates, they generally get 6 months just before they need to starting repaying any federal loans and that they received to assist pay for their college costs. If it really is too brief of a time to start repaying, you are able to file for help and get longer to repay.

Assistance is readily available on-line for students to utilize when applying for financial aid. Go to FAFSA.GOV and browse the ?general questions? section for simple to locate answers regarding the application process, approval, and disbursement dates. Once you have filled out the FAFSA, you?ll obtain info on federal loans and other forms of financial aid. Online there are many chat forums where students share info to speed up the process of discovering a private student loan as well.

Anybody thinking about or currently enrolled in higher education is worthy of a student loan. Both federal loans and other types of financial aid apply even if you?re already in school. To apply for assistance while in school, use the Totally free Application for Federal Student Aid (FAFSA).

Like several other federal loans, the Perkins loan is intended to assist individuals with income problems attend college. This form of financial aid can be procured by completing the FAFSA and coming from a family that doesn?t supply a sufficient amount of income to place the applicant through university. A student loan for example this is really an excellent method to pay for college.

Student loans is a loan that helps students fund their education. The cost of greater education is expensive and it may be challenging for students to fund without some sort of financial aid. Students applying for a pupil loan could often take out federal loans. Federal loans have lower interest rates than other kinds of loans. There are two kinds of federal loans; subsidized and unsubsidized.

Posted by Tom Addison on Sep 29th, 2011 and filed under Finance. You can follow any responses to this entry through the RSS 2.0. Both comments and pings are currently closed.

Source: http://www.chillicious.com/finance/all-types-of-financial-aid/

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Washington Monument remains closed





>>> some pretty frightening new video, showing what it was like to be inside the washington monument when the earthquake struck the d.c. area last month. it shows people including a park ranger at the top of the monument racing for the stairs, as you can see the building started to shake quite violently.

>> nicky williams was the park ranger on duty that day. good morning.

>> good morning.

>> there you were somewhat 500 feet up, the mortar is starting to fall from the building. there isn't any audio on this surveillance tape but can you tell us what it sounded like, what it felt like to be that high during this earthquake?

>> it was very frightening and you see the video that i almost instantly look at the camera that's filming me because the metal apparatus for the elevator began to zing and shake. you have people crying out screaming. i eventually make the decision we're going to run down the stairs, i start shouting out go down the stairs, that's when you see the group of people follow me down the stairs, very loud, very noisy but eventually everyone's working together with me.

>> nicky , what did you think was happening, washington, d.c., terror is on your minds. was that the first thought you had, this was some sort of attack?

>> that was the first thought i had, some sort of attack, but i figured whatever was happening the best place was not at the top, but the bottom of the monument. my next thought was to get out of there.

>> in terms of how long it took to you get out, you also helped an elderly woman get out. sounds as though it took you a little bit longer than it took the others. how long did it take you to get out?

>> well we were fortunate, of the 20 people up there, the rest of them were able to rush down the stairs. when i assisted that woman down it took us about ten minutes and it was about two minutes into the whole ordeal is when finally it comes across my radio that it is an earthquake, it was not an attack. i was able to comfort myself and the woman i was helping down the stairwell.

>> meantime, plenty of cracks they discovered in the monument itself. i hear they're going to rappel down and take a closer look today.

>> yeah, they're going to go out all four of the windows and rappel fun all four sides.

>> we can see from your eyes a degree of relief that it was just an earthquake. would you -- rather than a terrorist attack . would you say you have any issues of going back up inside the monument to do your job?

>> if they can guarantee me that it is going to be stable and secure i will go back.

>> okay, well there you go, they've got to guarantee it's going to be stable and secure. thanks so much, nicky , for joining us. good luck and congratulations on doing the right thing up there.

>> thank you.

>> for all of our friends on the west coast discounting that quake look at the video.

>> pretty scary for a lot

Source: http://www.msnbc.msn.com/id/44672838/ns/travel-news/

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Thursday, 29 September 2011

Marriage & Relationships, Journey To My Better Self Ebook

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Activists threaten industry shutdown in Hyderabad (Reuters)

NEW DELHI (Reuters) ? Protesters leading a massive public sector strike that has caused power cuts, delayed trains and shut schools threatened on Monday to shut down business in Hyderabad for a day later this week.

The two-week-long strike involving an estimated 800,000 workers is a growing headache for the government of Prime Minister Manmohan Singh, already on the defensive over high inflation and graft scandals stalling economic reforms.

The strikers, including miners at 50 coal pits, want the government to carry out a promise to divide the state of Andhra Pradesh in two, giving statehood to the region of Telangana.

"This movement is not going to relent. I am appealing to people to fight till we achieve Telangana state," said K. Chandrasekhara Rao, who heads the movement that revived the movement for a separate state a decade ago.

Whatever the government's decision, it will likely make enemies over the Telangana issue, since many in Andhra Pradesh do not want the state to be split.

If the strikers' demands are met, Hyderabad, home to the Indian headquarters of global firms such as Microsoft and Google, would fall within the new state.

The protests are expected to intensify over the next few days, with activists calling for a total shutdown of industry in the city on Sept. 30. Train workers joined the strike for three days, but returned to work on Sunday.

On Monday, a group of protesters tried to stop buses from carrying workers to a business park popular with technology firms.

The head of Andhra Pradesh's association of IT companies told Reuters the strike was already increasing costs for medium and smaller size businesses in the sector.

"It is a serious issue. The central government should do something immediately to clear the uncertainty as it is not good for future growth and investment," said L. Suresh.

As one of the country's most populous and economically powerful regions, Andhra Pradesh is an important vote bank for Singh's government, which risks angering many supporters in the rest of the southern state who oppose its break-up.

Telangana members of parliament for the Congress party joined the protesters on Monday. They are furious at Singh's government for dragging its feet on the issue and some have threatened to resign.

The Bharatiya Janata Party's national spokesman said the party backed the movement.

Shortages of coal because of the strike forced daily power rationing of up to six hours, with officials warning more severe cuts were to come. Technology companies relied on back-up generators to power operations.

"The costs for the companies have gone up because of backup and expensive generators they have to arrange."

The Telangana region merged with Andhra Pradesh in 1956, against the wishes of many locals.

Source: http://us.rd.yahoo.com/dailynews/rss/india/*http%3A//news.yahoo.com/s/nm/20110926/india_nm/india595558

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Wednesday, 28 September 2011

Scotland hunts other Lockerbie bomb plotters

Scottish prosecutors have contacted Libya's interim rulers for help in tracking down information which could lead to others being charged over the 1988 bombing of a U.S.-bound airliner over Lockerbie in Scotland.

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"In particular we have asked the NTC (National Transitional Council) to make available to the Crown any documentary evidence and witnesses which could assist in the ongoing inquiries," a spokeswoman for the Scottish Crown Office said.

Abdel Basset al-Megrahi, a former Libyan agent who was convicted of the bombing which killed 270 people, was released on compassionate grounds in 2009, but the Crown Office said his trial court had accepted he had not acted alone.

'Did not act alone'
"The trial court accepted that Mr. Megrahi acted in furtherance of the Libyan intelligence services in an act of state sponsored terrorism and did not act alone," a Crown Office spokesman said, according to BBC News.

"Lockerbie remains an open inquiry concerning the involvement of others with Mr. Megrahi in the murder of 270 people," he added. "The Crown will continue to pursue lines of inquiry that become available and following recent events in Libya has asked the National Transitional Council, through the Foreign and Commonwealth Office, for assistance with the investigation."

Video: Pan Am 103: From the archives (on this page)

The spokesman said that it was not "appropriate" to comment further because the investigation "remains live."

Libya's country's transitional justice minister, however, told reporters on Monday "the case is closed." Mohammed al-Alagi said there was no reason to keep dragging the case into court.

Megrahi's co-accused at the specially convened Scottish court sitting in the Netherlands in 2000 was Al Amin Khalifa Fhimah, who was cleared of mass murder.

He told Sweden's Expressen newspaper last month that deposed leader Moammar Gadhafi should be tried in court over suspicions he ordered the bombing.

"There is a court and he is the one to explain whether he is innocent or not," Fhimah said. "He has to."

In March, Mustafa Abdel Jalil, Libya's former justice minister and now its interim leader, said he had evidence of Gadhafi's involvement in the bombing.

Last week, the U.S. ambassador to Libya returned to Tripoli to lead a newly reopened American Embassy in a post-Gadhafi era.

Video: Manhunt for Gadhafi continues (on this page)

Ambassador Gene Cretz was nominated to be the first U.S. ambassador to Libya in 36 years by President George W. Bush in July 2007 after a remarkable turnaround in U.S. relations with the North African nation.

The seismic shift in ties followed Gadhafi's payment of compensation to the families of victims of 1980s terror attacks, including the bombing of Pan Am Flight 103 over Lockerbie. The dictator also renounced weapons of mass destruction in 2003.

That relationship evaporated amid the popular uprising against Gadhafi's regime this year, with U.S. and other NATO planes intervening to protect civilians from attacks by his forces.

Reuters contributed to this report.

Source: http://www.msnbc.msn.com/id/44667192/ns/world_news-europe/

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Tuesday, 27 September 2011

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Building up the Future of Real-estate

Despite the amount of column inches have been devoted for the growing housing concern just before the Usa, some economists predict that there might be a really severe shortage of housing accessible in the close to long term.

We have all heard the horror tales about the 3 million foreclosures, falling home values, rents and wilting of dozens of qualities for sale with few purchasers prepared or in a position to speculate. So how on earth can?t be considered a shortage? Well, it appears, just are not sufficient new houses. Why, one wonders, do we will need to develop homes, so nobody has to buy? And when there are actually entire sections of empty properties across the length and breadth on the country, is surely not crucial to create to this grim inventory?

The answer apparently lies inside the projected population growth. It can be an inescapable truth that population growth need to be accommodated and, in accordance with some analysts, the existing volume of qualities not merely meet your needs.

Meanwhile, other monetary experts say that merely constructing new homes will not solve the housing issue, specifically whenever they can?t pay for to purchase them. If employment continues to decline in many places, more men and women will hire and combine sources in multi-occupied dwellings. And if Americans adapt to some additional conscious way of life of taxes, so you could say that they all demand the kind of residence that several aspire to at this time? It couples can pay a house loan to get a home with four bedrooms and five bathrooms? Maybe the residence will probably be house to three generations on the household, so well known somewhere else inside the globe? Fewer employment, less persons are equal having a assured revenue that may lead to less loans and household revenue in the lengthy phrase and much less.

It seems which the emphasis in current many years is to construct big homes, or high priced, high specification flats. And it really is exactly these features that are currently difficult to obtain consumers in some locations. At the exact same time, in many components with the country, scaled-down, less costly houses, and lofts are actively shifting, thanks to low rates of interest and federal government incentives. Because of this, is that a lot of on the appealing traits of large, remained unchanged, despite lower costs, although the low price, for the very first time property purchaser market, mainly because demand is expanding, actually begin to display increasing values.

Certainly, the attributes in the landscape appears to change on a weekly basis, and while the good results tales continue to improve in a few locations from the industry, typically the image isn?t so rosy somewhere else. Needless to say, the actual estate market is experiencing considerable adjustments, and will carry on to journey the storm in one way or another. You can find additional reflections of hope on the horizon, and there are actually much more tales can be. Each and every part of your country has its personal tale to inform, its winners and losers.

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Source: http://www.bg-watch.info/building-up-the-future-of-real-estate/

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Monday, 26 September 2011

Exotic Pets Turn Invasive, Threatening Florida (LiveScience.com)

Florida is now officially the world capital for invasive and potentially invasive reptiles and amphibians, according to a 20-year study verifying that 56 non-native species of these animals have become established in the sunshine state.

The accommodating climate ? which can suit not only tropical and subtropical specie, but those adapted to colder climes ?is an element in the problem, according to Kenneth Krysko, the lead researcher and a senior biological scientist at the Florida Museum of Natural History, the University of Florida.

But he and the other researchers put the bulk of the blame on the pet trade, which they say is responsible for the vast majority of introductions, and impotent laws meant to prevent the release of non-natives. [Image Gallery: Invasive Species]

It's impossible to have this many non-native species establishing themselves without consequences, Krysko said.

"To think we are not going to have any problem, it doesn't make any sense ? we already know we have a problem with some of the few species we have studied, and sometimes it takes decades to even determine we have a problem with a certain species," he said.

One of the most prominent of these new residents is the Burmese python, which appears to be a refugee of the pet trade. Officials worry they pose a threat to humans, as well as to native, endangered species, which turn up in the pythons' stomachs.

According to the researchers' list, the Burmese is one of six python species that have been introduced to Florida, all by the pet trade, and one of two that has become established, meaning it has survived and reproduced in its new habitat.

The introductions began in 1863 with the greenhouse frog, a native of the Caribbean, which appears to have hitched a ride with shipping cargo. Since then, 136 more non-natives have been introduced and three intercepted before they reached the wild,Krysko and his colleagues find. In the decades that followed, cargo stowaways were the dominant introductions. But in the 1970s and 1980s, the demand for exotic pets increased. The pet trade is now accountable for 84 percent of introductions, they calculate. [America's 10 Favorite Pets]

The researchers confirmed the introductions of all known nonnative reptiles and amphibians through their own fieldwork and by looking at specimens in museum collections, photographs and results from previous research. For each, they included the time of its introduction, the pathway by which the species was introduced and its status.

Releasing a nonnative species without a permit is illegal in Florida, but the law requires an officer with the Florida Fish and Wildlife Conservation Commission to observe someone releasing the animal in order to cite them, according to Krysko. Not surprisingly, no one has been prosecuted, he said.

In a study published in the journal Zootaxa on Sept. 15, the researchers encourage the creation of an early detection and rapid response program to quickly identify newly found introduced species so they can be eradicated. ?

You can follow LiveScience writer Wynne Parry on Twitter @Wynne_Parry.?Follow LiveScience for the latest in science news and discoveries on Twitter @livescience?and on Facebook.

Source: http://us.rd.yahoo.com/dailynews/rss/science/*http%3A//news.yahoo.com/s/livescience/20110924/sc_livescience/exoticpetsturninvasivethreateningflorida

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Bumbling Sox lose again

Yankees, Burnett win 6-2, send Boston into deeper wild-card trouble

Image: Boston Red Sox v New York YankeesGetty Images

Boston's Dustin Pedroia?fails to catch a throw against the?Yankees on Saturday.

By HOWIE RUMBERG

updated 6:18 p.m. ET Sept. 25, 2011

NEW YORK - Terry Francona is taking the blame for Boston's pitiful play. His players disagree.

One thing everyone can agree on. The Red Sox are running out of time to stop a September slide that could leave them out of the playoffs.

Bumbling Boston lost yet again, with A.J. Burnett making his most impressive start in nearly three months and Jorge Posada hitting a two-run homer that led the New York Yankees to a 6-2 victory in the opener of Sunday's day-night doubleheader.

Boston's AL wild-card lead was cut to a half-game over Tampa Bay, which beat Toronto 5-2. What was a runaway nine-game advantage heading into play on Sept 4 would be completely gone by the end of Sunday if the Yankees swept.

"When it doesn't go right it's my responsibility," Francona said after his team lost its fourth straight and seventh in eight games.

Not so, said David Ortiz.

"It's all of us, we're all to blame," Ortiz said.

Boston was counting on John Lackey in the nightcap. He was 0-3 with a 9.12 ERA in previous five starts.

The Red Sox at 5-18 (.217) are on track for their worst September since going 4-18 (.182) in 1926, according to STATS LLC. Tim Wakefield (7-8) dropped to 1-5 in his last 10 starts.

Derek Jeter had three hits to lift his average to .300 at the end of the game for the first time since April 2. Starting with July 9, the day he reached 3,000 hits, he is batting .346 following a .257 start.

"I'm not playing for a batting average," Jeter said. I'm playing to try to stay sharp for the playoffs."

New York improved to 6-1 on its final regular-season homestand. Having secured home-field advantage throughout the AL playoffs, the Yankees will open the division series at Yankee Stadium on Friday night.

Sloppy in the field again, the Red Sox fell behind early for the second straight day. Catcher Jarrod Saltalamacchia had an error and a passed ball in a two-run first inning. In the fifth, he had the ball kicked out of his mitt by Jeter, who was trying to score from second base on Alex Rodriguez's single. Jeter reached second on left fielder's Carl Crawford's fielding error.

Boston has committed 16 errors in the last 11 games. The Yankees are 6-11 against Red Sox this season but have won four of last five.

Wakefield pitched four-plus innings, giving up five runs ? three earned ? five hits and five walks. The 45-year-old was making his 627th and possibly last appearance for the Red Sox.

Burnett (11-11) allowed five hits ? three to Jacoby Ellsbury ? and two runs in 7 2-3 innings, his first outing of more than six innings since he went eight on July 29. He was 0-4 in his 10 previous starts against Boston but was in control throughout this one.

David Robertson got four outs to finish, twice stranding a runner on second. Hitters are 0 for their last 22 against him with runners on base, according to STATS.

Two of Ellsbury's hits were homers, giving him 30 for the season and making him the first player in Red Sox history to have at least 30 homers and 30 stolen bases in a season. The two RBIs gave the leadoff batter 100.

"It's not the best time, but I should brag about it," Francona said. "That's an amazing feat."

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Batting fourth for the first time since 2009 because of his experience against Wakefield, Posada connected in the third inning for his fifth homer against the knuckleballer. The 40-year-old with a diminished role this year, hit cleanup for the first time in two years and was given a curtain call on the last day of New York's regular-season home schedule.

Brett Gardner opened the Yankees' first with a bunt single and stole a base, drawing a wild throw from Saltalamacchia. Jeter bunted safely and Gardner moved up.

Gardner scored when Saltalamacchia fumbled the ball for an error as he tried pull it out of his oversized mitt and make a quick throw with Jeter stealing second.

After Rodriguez grounded out, Jeter advanced to third on a passed ball. Saltamacchia had a shot at nailing Jeter at third but his throw was wide of the base. Jeter scored on a wild pitch from Wakefield.

"It's frustrating," Wakefield said in a nearly silent clubhouse. "We can't seem to catch a break. Certain things happen in an inning and it snowballs from there."

NOTES: Red Sox RHP Clay Buchholz, who hasn't pitched since June 16 because of a stress fracture in his lower back, will pitch an inning for Boston's instructional league at Fort Myers, Fla., on Monday. If all goes well he could pitch an inning or two Wednesday at Baltimore. ... Red Sox reliever Scott Atchison tweaked his right groin while warming up for the eighth and had to leave the game.

? 2011 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.


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Bumbling Sox lose again

The bumbling Boston Red Sox lost yet again, with A.J. Burnett making his most impressive start in nearly three months and Jorge Posada hitting a two-run homer that led the New York Yankees to a 6-2 victory in the opener of Sunday's day-night doubleheader.

Rays top Jays to keep heat on Boston

B.J. Upton and Ben Zobrist homered in the first inning to back Wade Davis, and the Tampa Bay Rays beat the Toronto Blue Jays 5-2 Sunday to pull within a half-game of the Boston Red Sox for the AL wild-card lead.

Source: http://nbcsports.msnbc.com/id/44661613/ns/sports-baseball/

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Sunday, 25 September 2011

mp3: Real Estate- Green Aisle ? The Up-Turn

Real Estate doesn?t make flashy or showy music designed to blow up your speakers and demand your attention. ?Instead, Real Estate make beautiful pop tracks that reveal themselves more with each listen. ?Each song is enveloped in amazing guitar lines, dreamy vocals and an undeniable sense of taking it easy. ??Green Aisles? is the latest example of Real Estate?s unique and fantastic aesthetic, and is the latest leak from their upcoming album Days. ?Over its 5-minute length, ?Green Aisles? swells and shifts with great subtleties that take multiple listens to appreciate. ?The lyrics match the track?s feeling perfectly as Courtney sings ?all those wasted miles/all those aimless drives through the green aisles/are careless lifestyle/it was not so unwise, no?. ?Days comes out October 18th via Domino and you can stream and download the track below?

-PK

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Source: http://theup-turn.com/2011/09/23/mp3-real-estate-green-aisle/

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Birth control pills recalled due to 'packaging error' - SpryHut.com

Qualitest Pharmaceutical drugs released a voluntary countrywide recall of oral contraceptives because of systematic ?packaging error.?

(CNN) ? An Alabama pharmaceutical company released a voluntary countrywide recall Friday for ?multiple lots? of oral contraceptives because of what it really referred to like a systemic ?packaging error.?

A spokesperson for Qualitest Pharmaceutical drugs stated that ?you will find no immediate health problems presently? due to the packaging problems. Rather, he stated, the main problem is that ladies may inadvertently conceive after using the dental contraceptive.

?The unintentional results of pregnancy is usually the problem,? spokesperson Kevin Wiggins stated. ?For this reason the organization required an extreme action.?

Wiggins stated the recall involves 1.4 million packages which have been distributed to pharmacy technician and clients since this past year.

Based on an argument for that Huntsville-based company, ?choose sore spots (found within the pill box) were rotated 180 levels inside the card, curing the weekly tablet orientation.? This assisted to depart the pills lot number, along with the expiration date, ?no more visible.?

?Consequently of the packaging error, the daily regimen of these dental birth control methods might be incorrect and may leave women without sufficient birth control, and in danger of undesirable pregnancy,? the organization stated.

A pharmacist observed the problem and approached the organization by telephone, Wiggins described.

Qualitest advised individuals with your items to use a ?non-hormonal? type of contraception and consult a healthcare provider or pharmacist. Pharmacies happen to be told to make contact with individuals who?ve become the faultily packed pills.

The recall affects these items: Cyclafem 7/7/7, Cyclafem 1/35, Emoquette, Gildess Further ed 1.5/30, Gildess Further ed 1/20, Orsythia, Previfem and Tri-Previfem.

Clients can call 1-877-300-6153 between 8 a.m. and 5 p.m. CT to have their questions clarified, arrange to come back their pills or report problems. Details are available too at http://world wide web.qualitestrx.com/pdf/OCRecall.pdf.

Wiggins stated Qualitest is dealing with government bodies ?in a high level,? in addition to using the items producers, to determine which happened.

?Were devoted to making certain the safe utilization of our items, (and) this recall reaffirms our high standards,? he stated. ?Its a mistake, nevertheless, and that we put patients at the middle of what we should do.?

CNNs Joe Sutton led for this report.

Source: http://www.spryhut.com/living-healthy/birth-control-living-healthy/birth-control-pills-recalled-due-to-packaging-error.html

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Grant Provides Needed Home Repairs for ... - The Investing Stock

Grant Provides Needed Home Repairs for Retired Monroe Resident

MONROE, La., Sept. 22, 2011 (GLOBE NEWSWIRE) ? For retired Monroe, Louisiana, homeowner Brenda Henderson, living on a fixed income meant that some home repairs, by necessity, had to be put on hold, and sometimes they didn?t get done at all.

Ms. Henderson?s home had previously flooded, and as a result, her carpet and the underlying padding had mildewed and needed to be replaced. Two of the doors were so old that they no longer closed properly and cold air seeped through during the winter. Without the funds to pay for the repairs, Ms. Henderson thought she would just have to live with the problems, but in April she was thrilled to get new carpet throughout her entire home and have two new doors installed.

The work was done thanks to a $4,900 Special Needs Assistance Program (SNAP) grant from Community Trust Bank in Monroe and the Federal Home Loan Bank of Dallas (FHLB Dallas).

Ms. Henderson, who is retired from the Head Start program, learned about the grant program from a former co-worker. Shelia Grayson, vice president and community reinvestment officer at Community Trust Bank, worked with Ms. Henderson to submit her application.

SNAP grants are made available through FHLB Dallas member institutions, such as Community Trust Bank, to assist income-qualified, special needs homeowners with necessary home repairs and modifications. In 2011, FHLB Dallas made $2.1 million in SNAP funding available to its members. Each SNAP recipient is eligible to receive up to $5,000. If the participating member institution contributes at least $350 toward costs associated with the rehabilitation, the homeowner is eligible to receive up to $7,000 from FHLB Dallas.

In 2011, Community Trust processed 11 SNAP grant applications totaling nearly $55,000.  

?The program allows us to play a role in helping applicants get these funds to rehab their homes,? Ms. Grayson said. ?They are always very grateful to receive the grant. Most are living on fixed incomes and can?t afford extra expenses.?

If not for the grant money, Ms. Henderson said she doubts that she would have been able to afford the repairs.

?I would have probably had to get the carpet replaced one room at a time, and I don?t know if I could have done it,? she said. ?Applying for the grant wasn?t difficult. The lady at the bank took all of my information and submitted the application. In about two weeks, I heard that I?d been approved.  It?s a good program. I know other people who have benefited from it and they were blessed to receive it.?

About the Federal Home Loan Bank of Dallas

The Federal Home Loan Bank of Dallas is one of 12 district banks in the FHLBank System created by Congress in 1932. FHLB Dallas, with total assets of $31.4 billion as of June 30, 2011, is a member-owned cooperative that supports housing and community development by providing competitively priced advances and other credit products to more than 900 members and associated institutions in Arkansas, Louisiana, Mississippi, New Mexico, and Texas. For more information, visit the FHLB Dallas website at fhlb.com.

The Federal Home Loan Bank of Dallas logo is available at http://www.globenewswire.com/newsroom/prs/?pkgid=3013

CONTACT: Corporate Communications          Federal Home Loan Bank of Dallas          www.fhlb.com          (214) 441-8445

Tags: application, carpet, dallas, federal, federal-home, fhlb, grant, homes, mexico, participating, people, rehabilitation, repairs, shelia-grayson, special-needs

Source: http://www.theinvestingstock.com/corporate_strategy/grant-provides-needed-home-repairs-for-retired-monroe-resident/

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Scientists Fight for Controversial James Webb Space Telescope (SPACE.com)

Supporters of the James Webb Space Telescope united today (Sept. 21) to advocate for the ambitious project, despite its increasing costs and repeated delays.

Some of the project's staunchest supporters, including the telescope's senior project scientist and NASA's program director for the mission, made the case for James Web during a web conference hosted by the Space Telescope Science Institute in Baltimore, Md., which will serve as the Science and Operations Center for JWST.

"I invite people to try and imagine today where astronomy would be without Hubble, because my expectation is that JWST will be transformative in a very similar way," said Roberto Abraham, an astronomer at the University of Toronto. "When I think about where I would be and where my field would be without Hubble, I want to run away screaming. I just can't conceive of giving up that sort of capability with JWST for the future." [Photos: Building the James Webb Space Telescope]

The James Webb Space Telescope, a general-purpose infrared observatory, has been billed as the successor to the Hubble Space Telescope. Yet repeated difficulties have pushed its launch date back to 2018 and its budget up to $8.7 billion, at latest count.

The U.S. House Appropriations Committee has even gone so far as proposing to scrap the mission, and zeroed-out the funding allocated for JWST in its fiscal 2012 appropriations bill. However, the Senate Appropriations Committee moved to save the telescope by increasing JWST funding in its version of the appropriations bill.

The telescope will feature a 6.5 meter primary mirror that will allow glimpses into some of the farthest reaches of the universe. Proponents say it offers the chance to make huge breakthroughs in the study of star and galaxy formation in the early universe, the mysteries of dark matter and dark energy, and the search for planets around other suns. The observatory is a collaboration between NASA, the European Space Agency and the Canadian Space Agency.

"I'm speaking as a heavy user of the Hubble Space Telescope, and, hopefully, a future heavy user of the James Webb Space Telescope," said astronomer Julianne Dalcanton of the University of Washington. "With the James Webb Space Telescope, things that are currently ambitious are going to become routine. The impossible is going to become possible. The capabilities, the more I've looked into them, I get increasingly excited about the science that I can do with this telescope."

Yet not all scientists are excited about the project. Some researchers, especially those in fields such as planetary science and solar physics, fear that JWST's bulging budget will siphon off funds from their own disciplines. An editorial signed by 18 planetary scientists in the Sept. 8 issue of the Planetary Exploration Newsletter argued that JWST should not come at the expense of other NASA missions. [Q&A With John Mather, JWST Senior Project Scientist]

In reaction to some of this discontent, planetary scientist Jonathan Lunine of Cornell University, a member of the JWST Science Working Group, pointed out that James Webb will offer significant capabilities of interest to planetary scientists as well as astrophysicists, such as the ability to observe both planets in our own solar system and alien worlds around other stars. If some portion of JWST's funds must come out of NASA's planetary science budget, the investment would be worth it, he argued.

"Between 6 to10 percent of Hubble time is used by planetary scientists," Lunine said during the web conference. "One expects that a large amount of JWST time will go to planetary topics.

Matt Mountain, director of the Space Telescope Science Institute, agreed.

"This isn't just an astrophysics mission, this is a science mission," Mountain said.

The JWST team also stressed that many changes have been put in place over the last year, following an October 2010 independent review panel report that blamed budgeting and management failures for the project's significant cost growth and schedule delays.

"JWST is on a new path," said Rick Howard, program director of the JWST Program Office at NASA Headquarters in Washington. "All of JWST senior management at [NASA's Goddard Space Flight Center] and headquarters were replaced. This is really our last chance to do this right. Everyone understands that, so we have been very careful to put together a re-plan that we feel is robust."

Ultimately, whether or not NASA is able to follow through on the project will be hugely significant, the scientists said.

"JWST is seen by people as a litmus test for whether the U.S. really wants to remain a leader in space," Abraham said. "There's no doubt that JWST is a big challenge. But getting JWST done is seen by the international community as a pretty clear message that the U.S. is still capable of doing really great things."

You can follow SPACE.com senior writer Clara Moskowitz on Twitter @ClaraMoskowitz. Follow SPACE.com for the latest in space science and exploration news on Twitter @Spacedotcom and on Facebook.

Source: http://us.rd.yahoo.com/dailynews/rss/science/*http%3A//news.yahoo.com/s/space/20110922/sc_space/scientistsfightforcontroversialjameswebbspacetelescope

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Saturday, 24 September 2011

Raising savers | Calgary Debt Management - Finance 101 Now The ...

Our commitment to you is to find ways to reduce your debts and to increase your cash flow. We have teams of elite Financial Advisors that have limitless resources at their disposal. So please don't feel like there is no hope even when the banks and all other investment & financial companies said NO! We have world-class banks,investment companies, financial companies and more just waiting to help you. Help is out there and Finance 101 Now is the solution.Please don't waste any more time, book your appointment with one of out elite advisors and get your financial strategy plan for free.

Source: http://finance101now.com/2011/09/raising-savers/

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Jared Bernstein: The Policy Backdrop of Inequality and Its Implications for "Class Warfare"

Hey, no fair fighting back!!

That's what I hear when conservatives go on about "class warfare" in response the President's call for balance in deficit reduction. It's particularly grating to hear Rep Paul Ryan use the CW talking point, when the loins' share of his deficit savings come from cuts to low-income programs and Medicare, with no offsetting revenue.

Lots of posts in recent days have explored the tax side of this equation, essentially emphasizing the Buffett point that many of those who have done the best are paying a smaller share of the income in federal taxes than the middle class. That's an important point that links directly to President Obama's call for shared sacrifice and balanced deficit reduction. Sorry, Rep. Ryan -- it can't all come out of the spending side.

But, as the figure below reveals, the increase in income inequality -- one reliable metric of how different income classes have fared -- is very much a pretax phenomenon. The figure shows the changes in income shares from a comprehensive income data set of the Congressional Budget Office, 1979-2007, pretax and aftertax (federal taxes only -- I've added a table below with the levels for the most recent data year so you can see the underlying shares).

2011-09-23-chng_incsh.png
Source: CBO


The fact that the growth in inequality is largely a function of the pretax income distribution doesn't mean we should make it worse with regressive, supply-side tax cuts -- (economist Alan Blinder calls this move "unnecessary roughness" -- amplifying pretax inequality with regressive tax cuts). To the contrary, we need balanced tax measures to generate the revenues to support programs that can help push back on this trend -- initiatives like Head Start, child nutrition, educational support.

But it also doesn't mean we can meaningfully correct the problem with tax policy alone. We have be mindful of all the policies that effect the pretax distribution--the distribution of labor and capital earnings before any taxes and transfers kick in...that's where the real inequality action is.

Now, most economists argue that much of the increase in inequality is due to factors like globalization and technological change -- factors that are less a matter of policy than of economic evolution. But of course their impact can be amplified or dampened by policy. For example, unfair trade practices like China currency management make give low-wage competitors an even stronger price advantage. (Trade agreements are less of a big deal as I see it--the advocates overdo how much they'll help and visa-versa re the opponents -- though the advocates are worse...).

Lack of a strong, long-term public-private strategy in terms of boosting our manufacturing sector, as is standard practice in advanced (Germany) and emerging (China) countries also hurts our manufacturers compete internationally. So policy does matter -- considerably -- in this space.

Technological change is also thought to be a significant factor behind the changes in the graph, though the evidence here is more ambiguous. (One strain of work, for example, argues that technology has increased labor demand for both high skill and low skill work, while leaving out the middle.) But to the extent that technology increases employers' skill demands such that a college education is increasingly necessary to compete, programs that help disadvantaged kids get that opportunity play a role here too. And cuts to those programs hurt.

And then there's a bunch of stuff that directly raises or lowers the bargaining clout of middle and working class families--policy changes or missed policy opportunities that have hurt or failed to help them.

- The long-term erosion of the minimum wage

- The absence of legislative protection to balance the organizing playing field for those who want to collectively bargain

- The inattention to labor standards such as wage and hour rules, overtime regulations, workplace safety, worker classification (this is where regular employees get misclassified as independent contractors and lose basic labor protections -- and guess what? Progressive reform of this problem is in the President's new budget plan -- very cool...)

- The attack on public sector employment

- The lack of universal health care

- The absence of comprehensive immigration reform

One more biggie: full employment. It's very much a policy variable and one, in fact, that used to be the law for the Federal Reserve -- so-called Humphrey Hawkins Act mandated full employment as a policy goal of the Fed. As I stress here, the fact that our job market has run with so much slack over the very period when inequality grew is no coincidence (and visa-versa: when inequality was flat or falling, we were more likely to be at full employment).

And of course, in recession, like now, by dithering on stimulus, we're disproportionately hurting the wage, incomes, and living standards of the folks who've been losing income share over the years shown in the figure above.

In other words, there are a lot of policy measures that have considerable impact on how the benefits of growth are distributed -- before taxes even show up on the scene. When representatives of the wealthy squeal about "class warfare," they're not just talking about shielding their treasure from the tax system. They're also protecting and endorsing a policy agenda that's helped tilt growth their way for a long time.

2011-09-23-incsh_07.png


This post originally appeared at Jared Bernstein's On The Economy blog.

?

Source: http://www.huffingtonpost.com/jared-bernstein/the-policy-backdrop-of-in_b_978634.html

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Friday, 23 September 2011

Cisco ? Change Management Training Video | The ... - Business 101

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Source: http://theinternetbusinessblog.worldbusiness-101.com/videos/cisco-change-management-training-video/

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[WATCH]: Beauty Mantra ? Fillers to Reduce Ageing ? Cosmetic ...

Health & Fitness Categories

Source: http://optiononeinfoseeker.com/2011/09/22/watch-beauty-mantra-fillers-to-reduce-ageing-cosmetic-surgery/

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Guidelines To Be Successful In Gaming Applications | Koleksi Artikel ...

A great deal of persons adore taking part in computer games. In fact grown ups take pleasure in diverse games because it is actually an outstanding possibility to relax. Certainly, some folks are usually hooked on computer games. Nevertheless, it truly is quite interesting to try to find new gaming applications on the net. Luckily, you?ll find many different internet websites which offer up video games, like web computer games. Following are ideas to look for the top gaming applications.

Firstly, you actually ought to use social networking sites. As everybody knows, folks really like to talk about audio, video recordings and also computer games in social networks. Thus, in the event that you are trying to find innovative games, you actually must join pages made by gaming applications enthusiasts. You?ll find plenty of such groups in Facebook or myspace. Furthermore, it will be possible to talk with persons like you that appreciate computer games. So, these kinds of people might recommend new games as well as talk about recommendations on how to win. Social networks are usually quite famous, therefore you possibly can easily find valuable data. Moreover, plenty of computer game web developers build records and also communities in social networks to bring in gameplay fans. Hence, you actually must sign up for these types of teams, to get, as an example, mystery case files dire grove.

As known, hunting for opinions, is the ideal option to check out innovative computer games. Apart from, you could choose computer games as per your own choices. For example, in case you actually appreciate shooters you can sign up for a site that posts information about the most recent releases of these kinds of computer games. Moreover, it truly is incredibly intriguing to read critiques by computer games industry experts as well as regular gamers like you. You will find a great deal of these types of comparison online sites. You actually should yet choose web sites that require hardly any registration. It truly is fantastic in the event that the website has a forum where you may focus on computer games along with games fanatics. As already mentioned above, it is a good opportunity to uncover new games and also boost own video gaming competencies. You will find lots of strategies of succeeding in games which you?ll be able to discover. For instance, you actually may learn tips on how to do well in mystery case files dire grove.

Such evaluations are usually incredibly helpful in particular when you actually don?t possess highly effective Personal computer. Normally, critiques consist of requirements to Computer in the event that you actually wish to enjoy computer games without any kind of issues. On top of that, opinions will certainly help in making a choice of the top gaming applications. Besides, you are going to discover web addresses to internet sites where you may down load completely new gaming applications, trailers as well as trials. In addition, many persons download trial period video games. It is actually a great opportunity to evaluate the video game as well as shop for it in the event that you would like.

When you actually want to be advised on just about all completely new video games and also download these games, for example, virtual villagers new believers, you actually must pay a visit to the web page. You might discover lots of helpful testimonials, outlines of distinctive computer games etc. You actually might appreciate plenty of diverse video games for all choices! We offer exclusively the top games that show up in the market.

Popularity: unranked [?]


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  5. SBOBET is o?ne of the world?s leading onlie gaming brands.

Source: http://www.koleksiartikel.com/english-article/software/guidelines-to-be-successful-in-gaming-applications.html

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Video: Faber Report: French Banks Rally

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Source: http://www.msnbc.msn.com/id/21134540/vp/44609353#44609353

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Thursday, 22 September 2011

SAP to Acquire Business-to-Business Networking Provider ...


SAP AG announced its intent to acquire business-to-business (B2B) integration provider Crossgate.

A leading provider of hosted B2B integration services, Crossgate enables companies to fully integrate and network with trading partners, clients and suppliers, allowing electronic data exchange with any business partner regardless of their technical capability. As a result of this acquisition, SAP will enable networking at the enterprise level, providing an easy way for trading partners to collaborate, share data and automate processes that link customers and suppliers for streamlined B2B e-commerce.

Headquartered in Munich, Germany, Crossgate helps more than 40,000 business partners across multiple industries to securely exchange important documents and data by connecting companies with their trading partners for faster, more efficient B2B e-commerce. The acquisition of Crossgate follows SAP?s strategy to complement existing applications and solutions with smart purchases that offer innovative technologies and capabilities while maintaining its successful organic growth track record.

Crossgate helps companies connect with any trading partner by joining the network once and linking with prebuilt business partner profiles. This is a full-service alternative, which eliminates the need for costly point-to-point integration. It lowers costs and enables further partner participation in B2B initiatives. Additionally, Crossgate?s e-invoicing services offer an innovative and secure solution covering the entire process of inbound and outbound invoices, including signatures, compliance monitoring, integrated with customers? backend systems and finance processes.

SAP and Crossgate have a proven history of partnership as part of the SAP ecosystem, and in October 2008 Crossgate received an investment from SAP. Soon after, the partnership was furthered by entering into a global reseller agreement that allowed SAP to offer its customers Crossgate?s B2B Content Engine as an SAP solution extension under the product name SAP Information Interchange application by Crossgate. Most recently, SAP agreed to resell and market the SAP E-Invoicing for Compliance application by Crossgate, which allows companies to send and receive digitally signed, compliant PDFs or EDI invoices electronically.

?Companies live in an evolving global network of customers and partners, and technology from Crossgate allows them to interact in new ways at the enterprise level the same way that social networking has transformed the way people interact as individuals,? said Peter Maier, general manager, head of Line of Business Solutions, SAP AG. ??By acquiring Crossgate?s highly differentiated solution, we help our customers extend their end-to-end business processes running on SAP to their customers and partners. As a result, thousands of SAP customers will join the network to exchange information easier, execute transactions faster and collaborate better.?

?Crossgate is extremely excited that SAP, our long-term partner, has acquired our company and solutions,? said Stefan Tittel, CEO and founder, Crossgate. ?With combined social network paradigms and service extensions of business applications, SAP and Crossgate now have the potential to change the face of business networks and deliver a new level of collaboration to SAP customers and their business network partners. Our executive management team is excited about the possibility of bringing the Crossgate mission to the next level together with SAP. Our customers will experience business networking that is simple, compelling and efficient.?

The acquisition is subject to the approval of the relevant antitrust authorities. SAP will provide additional details about future plans after the acquisition of Crossgate is completed, which the company anticipates will occur by November 1, 2011. Terms and purchase price of this acquisition are not publicly disclosed.

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Source: http://www.softzine.net/sap-to-acquire-business-to-business-networking-provider-crossgate.html

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Furry Family Members are Welcome on Hilton Head Island | Hilton ...

Americans love their pets. It?s estimated that we will spend over $50 billion on our pets in 2011. We spoil them with treats and toys and bring them wherever we go. We feed them the very best food and frame their pictures. And now, our four-legged family members can join the family vacation too!

Ginger, a local pup, loves her time on the beach!
Pet friendly travel is on the rise, and in recent years some Hilton Head Island properties have added pet friendly policies, rolling out the welcome mat to your furry family members with special amenities and services.

Jason Manges is a marketing professional who spends a lot of time on the road for work. He loves when he travels to Hilton Head Island for business because he can bring his two dogs, Begonia and Sierra. He always stays at The Westin Hilton Head Island Resort & Spa. ?I always bring my dogs to Hilton Head Island when I travel for work because it makes the experience feel more like home.? My dogs absolutely love the beach so it brings them a great deal of happiness as well,? says Manges.

With advance notice, The Westin Hilton Head Island Resort & Spa gladly accepts dogs under 20 lbs. They offer a Heavenly Dog Bed for their special 4-legged guests. If you?re looking for a private home or villa for your family vacation, there are several rental companies that offer pet friendly homes and villas including Hilton Head Rentals & Golf, Sunset Rentals and Resort Rentals.

Helpful Hints:

  • Be sure to read the fine print and check for added fees.
  • Most pet-friendly designations refer to dogs?so confirm before you book if you want to travel with another type of pet.

The Island's 12 miles of beaches are perfect for long walks with your furry family members.

There?s plenty to do with your dog too! The Island?s 12 miles of hard-packed sandy beaches are heaven on earth for dogs who love to retrieve and swim. Grab a cup of coffee to go from Java Joe?s at Coligny Plaza and head to Coligny Beach for a morning romp on the beach?which is the best time to have your pets on the beach. It?s cooler and the beaches are not as busy as mid-day. Be sure to check out the seasonal guidelines for pets on the beach when planning your outing:

  • October ? March: No leashes required at any time. The animal IS required to be under positive voice control.
  • April ? May: Animals must be on a leash between 10 A.M. ? 5 P.M.
  • The Friday before Memorial Day until Monday of Labor Day weekend: NO animals allowed on the beach between 10 A.M. ? 5 P.M.
  • Tuesday after Labor Day ? September: Animals must be on a leash from 10 A.M. ? 5 P.M.
  • On the beach or not, local law requires owners to clean up after their pets.

After a morning romping on the beach, head on over to Tail-Waggers, Hilton Head Island?s only gourmet pet bakery and gift shop. You?ll be greeted by owner Abby Wirth and her trusted side-kick and co-hostess, Olive, an adorable basset hound. Your dog will love the fresh, hand-baked decorated Puppy Treats. The store is stocked with all the best pet supplies, including plush beds, toys and games, chew bones and beach essentials like travel bowls and Fido Floats. Be sure to pick up a custom Hilton Head Island collar for your pet as vacation souvenir!

Bistro 17 at Shelter Cove Harbour gladly welcomes four legged patrons.

The Island?s numerous outdoor dining options means you can bring your pet along for dinner too. Bistro 17 at Shelter Cove Harbour offers special doggy bowls and a gourmet puppy menu for its furry patrons, including FiFi?s Favorite, a dish made of brown rice, lean ground beef, ricotta cheese, pureed vegetables, organic wheat germ, organic flax seed and garlic. A feast fit for a furry King or Queen.

Plan your fall getaway now, and plan to bring your furry family member!

PS We?d love to see your pet photos! If you have pictures from your recent visit to Hilton Head Island with your pet, please post on our Facebook page!

?

Joy Sharp is the Leisure Marketing Manager for the Hilton Head Island Visitor & Convention Bureau, where she has worked for over 7 years on the Hilton Head Island brand. Joy was raised on Hilton Head Island and returned to the Island after graduating from Clemson University with an English degree. After working for a local ad agency and freelance writing, she joined the Visitor & Convention Bureau. She and her husband Scott are raising their two boys on the Island, where they are always looking for new and unique family experiences.

Source: http://www.islandvibe.org/family/2011/09/20/furry-family-members-are-welcome-on-hilton-head-island/

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