What You Must Know About Sales Training Courses

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Product sales instruction is an essential element in strengthening the revenue figures of any firm. Besides, it assists the sales personnel create the essential capabilities to enhance profits. With out appropriate coaching, the personnel would lack the generate to carry in more revenue. A salesman with out proper education would not only be inefficient in bringing far more benefits but also would throw away the vital assets of the firm.

Consequently, for each organization it is required to composition an powerful profits education program to mould a fresher into effectual orator who will boost the productivity and utilize the means appropriately. Such education will help in bringing about the improvement in the degree of product sales, thus establishing the brand name name of the business.

With elevated levels of competition in the industry, it is vital for each and every organization to offer suitable education to the personnel, especially when the company is into core marketing and advertising business. Of program, the kind of coaching depends on the need and individual needs.

A number of elements are included in the approach of the choice of a revenue training plan. Some of them are pointed out under:

1) Type of coaching: The foremost factor one requirements to know ahead of delivering the training is the sort of grooming suited for the personnel. This is usually done by identifying the character, nature, characteristics of the personnel to be qualified. The kind of training may also rely on the number of employees that requirements to be educated.

2) Evaluation of coaching software: One particular of the important elements that are crucial in choosing the successful coaching system is the evaluation of the training training course or syllabus. Check whether or not the program supplies practical instruction, provide practical understanding circumstance, and introduces the trainee to present day techniques in the revenue discipline.

The technique of education programs, design in conditions of amount of workers and the coaching interval (variety of times) are some of the secondary elements involved when selecting the very best revenue training program.

Excellence in revenue can be attained through passion, difficult function, commitment and motivation. This all can be attained through suitable profits coaching.

Such product sales coaching is essential for product sales pressure improvement for growing the productivity as well as gain of the firm. Remember, these are the men who provide revenues, excellent margins, and newer technologies to market goods. Consequently, companies must get treatment to improve their capabilities from time to time. Encourage them to produce consistent outcomes by organizing profits education workshops for them.

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Most successful enterprise managers are in no way satisfied with the existing issue of their business or the revenue they are making. This is not a characteristic of greed or an admission of failure but a constant push that will motivate a particular person to carry on to discover achievement and try to locate new business options. If you signify a single of these folks who is never ever pleased with the current generation of their organization, then an possibility may possibly exist in the answers offered by profits management classes. By means of these sources your business will be capable to take the subsequent phase in advancing revenue by means of the use of attracting customers and encouraging repeat company.

When hunting at all the prospects that occur from product sales conduite classes, there are frequently a few main locations of opportunity can consider benefit of. These regions include improving your revenue teams? capacity to near sales, creating the greatest ways to handle confrontation, and enhancing your manager?s abilities to take care of your profits staff. With advancement in these three places any enterprise can getting to reap the benefits of their instruction expense.

Strengthening your Profits teams? Potential to Close Product sales

Want to find out more about sales training courses, then visit our site on how to choose the best sales training for your needs.

Source: http://www.article-i.com/business/sales-business/what-you-must-know-about-sales-training-courses/

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Errors To Stop While Repairing Mobile Devices | Arty Apt

Cellular phone has become a vital item in all of our life. To be able to get the good repair job to your handset, you should usually trust the certified stores from the company. Mobile Cellular phones Repairs can work out those issues to suit your needs within no time and you may be connected all over again. Obtain, your primary concern is simply not to judge the knowledge of an agency however is to purchase your mobile repaired in justified rate within right way. Though this gadget for advanced telecom started- off as a method of telephonic conversations while you?re on the move on the internet to many improvisations for its designs consequently. Reporter typically questioned any sum of changed cellphone retailers, but they?re probably not during your studies of opinion that?ll already, though one supplier stated that in the event that genuine, they actually so as to a lot alot more shock.

Talking about websites, take a check out the actual sites of this companies you are looking at going with. Broken LCDs, microphones, speakers and asking points are fastened professionally. But if the mobile suddenly doesn?t activate; you can consider charging it through another charger. Many users will still be not accustomed to using a backup of these contacts and concern yourself with losing them once they get an innovative mobile. The thing that makes you and me really preferable more than others is our own accessibility. These stores usually employ highly trained professionals who will have a tendency to your needs instantly. Of path, if you do perform dismantling of the mobile phone with this then you might publish your process on the net.

You can receive the best connected with mobile repair solutions and likewise enjoy communication continuous. Existence of more cellular repairing agencies is a wonderful thing but picking a the best becomes a difficult challenge. Go detail by detail, you will certainly reach at most reliable cell cellphone repairing center. So regarding a damage the cell phone repair is always the main priority for one particular customer. Then quickly eliminate the square areas of the body like battery, sim card, and Plastic body of the mobile phone.

Severely speaking, the cost of buying mobile phone specialists necessary repairs our phones might be high. The engineers within the fine repair centre provde the services of several types. You can find several phone correct tool kits online belonging to the comfort of one?s home or company, and purchase relating to your desires and budget. Apart from the price tag on the damaged section, you also have got to bear the assistance charges. They furthermore give postal correct services when clients can?t visit them in man or woman.

Most likely the place that you acquired your phone by, be it a good carrier?s store as well as electronics, will be able that may help you with completing your cell phone repairs. It is without a doubt thus inevitable which they may get spoilt once or twice. Expertise might not be as advanced, however, these can manifest as a great option for all looking to stay inside of a budget. The skilled professionals of the stores are trained in with the highlights of the set. However, this process will take much more time compared to the process pointed out earlier.

Visit our website to get all the information you need on gsm reparatie today.

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Source: http://artyapt.com/blog/errors-to-stop-while-repairing-mobile-devices/

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Assange's mother says WikiLeaks founder under stress

QUITO (Reuters) - The mother of Julian Assange, visiting Ecuador on Monday to plea for her son's asylum request, said the WikiLeaks founder is under extreme psychological stress and feels his only option is to seek safety in Ecuador.

Assange has been taking refuge in the Ecuadorean embassy in London since June 19. The former computer hacker, who enraged Washington in 2010 when his WikiLeaks website published secret U.S. diplomatic cables, is wanted for questioning in Sweden over sex crime allegations.

The Australian anti-secrecy campaigner has broken his bail terms and requested asylum in Ecuador because he fears he could be bundled to the United States where his life would be at risk.

"He is freedom loving, he cannot run, he cannot go outside to see the sky, outside the UK police wait like dogs to take him ... he cannot exercise the way he normally could and he's under extreme psychological stress," Christine Assange said in a live interview with local television.

Julian Assange's mother was due to meet Ecuador's foreign minister, Ricardo Patino, on Monday to plea for her son's asylum request.

"I am not here to demand asylum, I come to humbly ask, as his mother," she said.

The Ecuadorean government has said that it will take as long as needed to make a thorough analysis of Assange's asylum application before making a decision.

Comments by Patino last week suggested that Ecuador will refrain from announcing a decision regarding Assange's asylum application until the end of the Olympic games as a sign of respect for the UK government.

Assange's mother said that her son chose Ecuador because its constitution enshrines human rights and because it does not have the death penalty.

She also referred to leftist President Rafael Correa as "very brave" and said she trusts that Correa will not allow his country's sovereignty to be manipulated by foreign interests.

Christine Assange said she fears that the United States will move to extradite her son if he is sent to Sweden.

Neither the U.S. nor Swedish authorities has charged Assange with anything. Swedish prosecutors want to question him about allegations of rape and sexual assault made by two WikiLeaks supporters in 2010.

Assange says he had consensual sex with the women.

(Editing by Vicki Allen)

Source: http://news.yahoo.com/assanges-mother-says-wikileaks-founder-under-stress-151229720.html

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kye news | Point of Insight

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How to stress-test your bond portfolio See your bonds and bond funds react to rate moves A Safer Way to Buy ?Junk? WSJ.com With interest rates near record lows, investors looking for meaningful yields are piling into high-yield ?junk? bonds. The problem? Junk bonds are notoriously volatile, and the selloffs can be nasty. One solution for investors with weaker ? Breaking Up Is Hard to Do WSJ.com Bank stocks have been stinking up the market for years. Would breaking up the companies help unlock some value for investors? This week, Sanford Weill, the mogul who built Citigroup into a giant institution, urged splitting apart the very ? Fidelity Targets Securities Lending WSJ.com Mutual-fund company Fidelity Investments is setting itself on a collision course with rivals by rolling out a pricing service designed to make the roughly $800 billion market for securities lending more transparent, according to people ? Tweaking Treasury Holdings Without Betting the House WSJ.com More than three decades into the bull market for bonds, Treasury yields are shockingly low. The 10-year note pays 1.6%, less than a quarter of its long-term average. This Week WSJ.com Fed Acts, Markets Fall Stocks tumbled this week on concerns about the pace of global growth. The Dow industrials fell 1% to 12640, ending a two-week winning streak, after indexes of manufacturing activity in the U.S. and China fell. The ? Is Now the Time to Buy Junk? WSJ.com Earlier this year, investors couldn?t wait to get their hands on risky high-yield bonds. Now they can?t get rid of them fast enough. Yet this could be a good opportunity to buy if you are looking for yield and can handle a rocky ride in the ? Will ?Junk? Munis Bite Back? WSJ.com Are you taking too much risk with municipal bonds? Investors have poured about $24 billion so far this year into muni bonds, on pace for the most since 2009. But about 22% of that is going into riskier high-yield, or ?junk,? bonds?those ? Stocks for bond lovers; These companies? stocks offer fatter payments than their bonds MarketWatch Investors who buy Procter & Gamble bonds that come due in 15 years get a yield to maturity of about 3% a year. Those who buy the company?s stock, meanwhile, get a dividend yield of 3.7%. Time to Sell Treasurys? WSJ.com Treasury bonds are priced for the end of the world. But the latest Europe-induced bout of panic might be coming to an end, some advisers and strategists say. Savings Fall Short for Most Retirees WSJ.com Your financial adviser doesn?t want you to read this column. Many retirement investors, egged on by brokers and mutual-fund companies, put a great deal of emphasis on crafting finely tuned portfolios out of stocks, bonds and?increasingly, ? Subscriber Content Read Preview Large Institutions Discuss New Marketplace for Bonds WSJ.com Big money managers and Wall Street banks are laying the groundwork for a new marketplace for corporate bonds, an effort that highlights the heft of large investors and the impact of new rules limiting bank risk-taking. Muni Buyers Gain Peace of Mind, But Will Likely Lose Some Yield WSJ.com After a surprisingly solid year, the $3.7 trillion muni-bond business is getting another boost: the return of insurance. For investors, this means more municipal bonds will again come with an added layer of protection. The downside is that ? This Week WSJ.com Markets Get Mauled Concerns that the euro zone will break apart?and damage the global economy?sent investors fleeing out of stocks and into the safety of government bonds. The Dow fell 2.7% to 12118, its lowest close since December. The ? By Jason Zweig; Are Bond Rates on a Road to Nowhere? WSJ.com The ?bond vigilantes? who once imposed law and order on financial markets are being run out of town. That means investors thirsting for a quick return to ?normal? interest rates might stay parched for a long time to come. Emerging Markets: The Allure of Bonds; Advisers suggest investors look beyond stocks WSJ.com For investors looking to diversify into emerging markets, they might be surprised to know there?s more than stocks on the menu. Instead, portfolio managers increasingly suggest emerging-market bonds as a viable alternative for investors ? Where the Sweet Spots Are in Stocks and Bonds Right Now WSJ.com If Wall Street is a struggle between fear and greed, both sides seemed plenty crowded this past week. The fearful, eyeing political turmoil and deep fiscal woes in Greece, snapped up 10-year Treasury notes with yields as low as 1.70%, near ? Give a Graduate the Gift of Becoming an Investor WSJ.com If you want to give a high-school or college graduate a gift with a big financial impact, go beyond writing a check. Giving the gift of investing?with individual stocks, bonds or investment accounts and even some financial planning?will help ? 3 income-focused ETFs for the yield hungry; Commentary: New funds turn to MLPs, REITs, other alternatives MarketWatch NEW YORK (MarketWatch) ? Investors? hunger for income, which has driven billions of dollars of assets into dividend-focused funds, is now bringing forth a new investment product: multi-asset-class income vehicles. Don?t Bank On It; Leveraged loans and managed futures offer opportunities, but beware risks WSJ.com Q: How can one invest in bank loans ? Are there mutual funds or ETFs that invest in the area? A: As the economy improves, investors have shifted to riskier investments, such as stocks and junk bonds. Lately, more have taken an interest in ? Here?s how to take control of your 401(k); The funds in your 401(k) may yield only about 2% MarketWatch This may surprise you, but there?s a good chance you can take direct control of your nest egg at work, choosing investments beyond the two dozen or so mutual funds that most employers offer in their savings plans. Doing so can be risky, but ? New fund categories are not automatic buys; Commentary: Research firms provide data, not investment tips MarketWatch BOSTON (MarketWatch) ? Well over a decade ago, I got a note from an investor who said he did not understand how average investors were supposed to keep up with ?recommended behavior for fund investors.? On ?General Obligation? Munis, Investors Advise Caution WSJ.com When Jefferson County, Ala., defaulted on some municipal bonds last month, investors may have been surprised to learn that the county lacked the authority to fulfill the most basic obligation of its ?general obligation? debt: It didn?t have ? When Investing, Try Thinking Outside the Box WSJ.com Sometimes it pays to look beyond the obvious when it comes to investing. That means adding some exotic investments to a portfolio laden with blue-chip stocks and Treasury bonds. Think platinum and pipelines. Itchy Investors Ramp Up the Risk; With Rates Staying Low, Returns on Conservative Investments Don?t Cut It Anymore for Some WSJ.com Robert Marcotte can?t afford to play it safe anymore. With interest rates likely stuck near zero for nearly three more years, the 61-year-old retired telephone-company manager is about to ramp up his holdings of stocks and municipal ? Where to Find the Bargains WSJ.com Stocks and higher-yielding ?junk? bonds have surged so much in recent months that bargains are getting difficult to find. At the same time, safer investments such as Treasury bonds and high-grade corporate issues have meager ? Secure Alternative to Bonds; Secured loans have the potential to provide high-yield returns with the added benefit of peace of mind in a turbulent world WSJ.com Sovereign bond investors recently had to pay Germany for the privilege of lending to it. Yields on the safest non-sovereigns, investment grade corporate bonds, are setting new records in parsimony. So income investors looking for decent, ? This Week WSJ.com Stocks Surge Better-than-expected economic data caused investors to dump bonds in favor of riskier assets. The Dow Jones Industrials finished the week at 13232, up 2.4%, their best week since December, while the Nasdaq Composite rose 2.2% to ? In New Funds, Old Flaws WSJ.com Bad ideas can get investors into trouble. So can good ideas that morph into bad ones. Ever since they were introduced in the U.S. in 1993, exchange-traded funds?those bundles of stocks, bonds or other assets that offer the diversification of ? The New Bond Market WSJ.com Many investors, looking for better returns and a little safety, are loading up on corporate bonds, which have been far steadier than stocks during the market storms of the past few years. How to make portfolio diversification pay off; Commentary: Long-term investors find time is on their side MarketWatch NEW YORK (MarketWatch) ? Portfolio diversification is fairly straightforward. Different kinds of assets ? stocks and bonds, for example; maybe commodities and real estate as well ? lower volatility and deliver more consistent returns than ? Is ?Derisking? Even Riskier? WSJ.com When you ?derisk,? be sure you understand whether you are eradicating risk?or just replacing old risks with new ones. You have heard ad nauseam that investors have spent the past few years dumping U.S. stocks en masse for the ? Why Stocks Are Riskier Than You Think; Most people can get the money they need for retirement without gambling heavily on equities, say Zvi Bodie and Rachelle Taqqu WSJ.com A growing sense of urgency is driving many investors to take reckless risks with their money. Even though they experienced the hazards of stock ownership firsthand in 2008, investors are venturing back into equities again. They?ve been ? How Much Risk Can You Manage? WSJ.com In my last column, I outlined a new approach to managing investment risk that I summed up this way: Never gamble unless you can afford to lose. A Swan Song for the Bond Market?s Bull Run WSJ.com Is the bond bull market over? If so, how should investors adjust their portfolios? One of the most important reasons the U.S. economy and financial markets have stabilized since the financial crisis is that interest rates plunged. Thanks to ? IRAs Get Sexier; Disillusioned With Returns on Conventional Investments, IRA Owners Are Turning to Private Equity, Condominiums, Farmland and Other Alternatives. Here?s What You Need to Know WSJ.com Presidential candidate Mitt Romney has gotten lots of attention for holding as much as $100 million in his individual retirement account. Less well known is that the account is also chockablock with complex private partnerships rather than ? Watch Out! These Municipal Bonds Come With a Bit of a Kick WSJ.com With high-grade municipal bonds offering meager yields, investors seeking an income jolt are embracing a slightly more exotic product known as ?kicker? bonds. Why an End to Paper Savings Bonds? WSJ.com Q: For the past 25 years, we have purchased $50 savings bonds for our children and grandchildren for their birthdays. The government has changed the rules and the bonds can only be purchased online. Why would the government do this? Do they ? Subscriber Content Read Preview Limited Demand for Superlong U.K. Bonds WSJ.com LONDON?The U.K. government is looking to take advantage of its haven status by issuing perpetual bonds for the first time since the World War I, but tepid demand from pension funds could undo those plans. Why Stocks Look Too Pricey; Various Indicators Suggest the Market Is No Longer a Bargain WSJ.com After a six-month rally, U.S. stocks are getting pricier. Experts say investors should exercise caution. The Standard & Poor?s 500-stock index gained 12% during the first three months of 2012, the best start to the year since 1998. After ? Subscriber Content Read Preview Bond King?s Trade Pays Off; Pimco?s Bill Gross Wins With Bet on Mortgage Debt; Rebound from Rough 2011 WSJ.com The bond king might be making a comeback. After suffering one of his worst performances ever in 2011, over the past three months, Bill Gross, manager of Pacific Investment Management Co.?s Total Return Fund, rode an aggressive bet on ? Subscriber Content Read Preview Investors Put Cash in Mutual Funds WSJ.com Long-term mutual funds had estimated net inflows of $8 billion in the latest week, as investors continued to add money to bonds and hybrid funds, offsetting withdrawals from equities, according to the Investment Company Institute. Euro-Zone Debt?Not All Toxic; Opportunities abound for investors prepared to take a punt on corporate bonds WSJ.com Against what would appear to be insurmountable odds, and in the midst of a once-in-a-generation sovereign-debt debacle, the European corporate bond market is thriving. And according to industry experts, that is not at all surprising. Why Munis Are Worth a Look WSJ.com Municipal bonds faced two key tests this past week?and came out looking sturdy. The first was a spike in Italian government bond yields that culminated Wednesday with a global flight from risky assets. Muni prices rose, a sign that investors ? Safe at Home? Not in a 401(k) WSJ.com How will 401(k) investors react to the latest blast of volatility in the markets? If the recent past is any guide, they will retreat into the apparent safety of cash, Treasury bonds and ?stable value? mutual funds. Better Ways to Fight Inflation WSJ.com With the economy growing slowly and commodity prices well off their recent highs, inflation wouldn?t seem to be an imminent threat. Yet investors are piling into inflation-protected bonds. 2011 Perfomance of Long-term Bond ETFs WSJ.com Long-term bond ETFs tend to move opposite stocks. All of the ETFs in the table below have an average duration of more than 10 years. Duration, measured in years, is used to determine a bond or bond fund?s interest rate sensitivity by ? Balanced Funds Tilt Toward Stocks, While Investors Want to Scale Back WSJ.com While individual investors have been fleeing the stock market for months, some fund managers have been pushing them right back in. Among fund managers with the flexibility to invest in a mix of stocks, bonds and other assets, the trend has ? A Brighter Outlook for Muni Bonds WSJ.com Municipal bonds have had a rebirth since getting pummeled earlier this year, and the recent tumult in the financial markets has rekindled interest in an investment class with a tradition of safety. Altria?s Gains Could Go Up in Smoke WSJ.com Altria Group, parent company of Philip Morris USA and its best-selling Marlboro cigarettes, has more than lived up to its reputation as a defensive investment?providing investors with stable returns and, importantly, a dividend yield of ? Ohio State University Prices ?Century? Bond WSJ.com NEW YORK?Ohio State University sold $500 million worth of 100-year bonds late Wednesday, becoming the first public university to issue a so-called ?century? bond. Big Year for Bond ETFs Could End With a Visit from the Tax Man WSJ.com Investors in one of Main Street?s hottest investment products may get an unexpected parcel this holiday season?a tax bill. Exchange-traded funds, which are baskets of securities that follow an asset class or sector, have been a hit for ? Next; Scams Target ?Self-Directed? IRAs WSJ.com As investors are putting their retirement savings into so-called self-directed individual retirement accounts, complaints about fraud in these accounts are on the rise, securities regulators say, and investors should carefully consider the ? The Rally That Wouldn?t Die! Treasury Bonds Have Been on a 30-Year Tear. Whether or Not the Party Can Last Is Beside the Point?There Are Far Better Places to Put Your Money WSJ.com At least one fear gauge shows that investors were more scared in 2011 than in the dark days of 2008. According to investment-research firm Morningstar, a portfolio of U.S. Treasurys with an average maturity of 20 years?the quintessential ? Subscriber Content Read Preview Bond-Fund Stars Fall as Bets Backfire, but They Fight On WSJ.com It?s been a tough year for bond-fund stars. Longtime outperformers in mutual-fund rankings Dan Fuss, co-portfolio manager of the Loomis Sayles Bond Fund at Loomis Sayles & Co, and Michael Hasenstab, portfolio manager of Templeton ? Subscriber Content Read Preview Mutual Funds Draw In More Investor Deposits WSJ.com Long-term mutual funds had estimated buying of $7.31 billion in the latest week. That represented significant investment in bonds and foreign equity funds, which offset outflows from domestic equities, according to the Investment Company ? Getting the Most From a Lame 401(k) Retirement Plan WSJ.com It isn?t easy picking investments when quality bonds offer meager yields, stocks seem bipolar and the richest economies are struggling to expand. But many 401(k) investors face an added challenge: choosing from a mutual-fund menu that ? Caging Raging Contagion WSJ.com Is there no end to the contagion? This week, as the Italian government and Italian bonds collapsed over fears the country can?t control its debt, everything else fell, too. Of the 45 national stock markets in the MSCI All Country World ? Subscriber Content Read Preview Why Your Bond Funds Probably Aren?t Worth their Fat Fees WSJ.com One bond king?s recent stumble gives investors reason to question the outsize fees many are paying to mutual-fund managers?and to consider some new alternatives. Investors Favor Funds With a Focus on Bonds WSJ.com Money exited from long-term mutual funds for the third consecutive week, as investors pulled cash from equities and added to bonds and hybrid funds, according to estimates from the Investment Company Institute. What Price Stable Returns? WSJ.com Stable is nice, but it isn?t perfect. Investors in ?stable-value funds,? which are bundles of bonds tied together with an insurance policy within a 401(k) retirement plan, have fared remarkably well in recent years. But rising ? Subscriber Content Read Preview Mutual Funds Pull in Cash WSJ.com Investors put a net $823 million into long-term mutual funds in the latest week, as increases in bonds and hybrid funds more than offset continued withdrawals from equities, according to the Investment Company Institute. When Funds Lend Stock, Who Gains? WSJ.com You wouldn?t want to make a loan to someone without knowing what you will earn on the loan. But if you own mutual funds or exchange-traded funds, you might be doing exactly that. For the Best Bond Deals, Look to the Emerging Markets WSJ.com Emerging-market bonds might appeal to the aggressive and the timid alike. The aggressive will like the 6.5% yield on the J.P. Morgan Emerging Market Bond Index. That?s triple what investors get from 10-year government bonds issued by ? Subscriber Content Read Preview Not Dead Yet: What to Do With Your Bets on Rising Rates WSJ.com So you bet on rising rates. You loaded up on high-yield bonds, leveraged loans and short-term Treasurys in the belief that the U.S. economy was recovering fast enough for the Federal Reserve to consider raising interest rates sooner rather ? Subscriber Content Read Preview Those Safe Havens You?ve Been Flocking to Aren?t So Safe WSJ.com It?s time for a flight from safety. The recent market maelstrom has sent investors fleeing to traditional safe havens such as Treasury bonds, recession-resistant stocks, Swiss francs and gold. Home Builder Stuck in the Basement WSJ.com The nation?s housing market has lately been showing signs of life, and investors have bid up home builders? stocks by an average of nearly 50% over the past three months. But in the case of Hovnanian Enterprises (HOV), which is up ? Little Relief for Income Investors WSJ.com The latest bout of turmoil in the financial markets is a fresh headache for retirees relying on their savings to make ends meet. That?s especially the case for the many older investors who have ventured into riskier stocks and bonds in ? Is that Gold?s Glitter or Your Brain?s Tricks? WSJ.com If you are a gold investor, you?re probably quite pleased with yourself right now. It?s been one of the best-performing investments this year. A High-Rate Deadline Looms WSJ.com The window is closing a bit further on one of the best deals for savers. Beginning Jan. 1, individuals will be able to buy only $5,000 in I Savings Bonds a year, down from $10,000 today?making it tougher to hold one of the last risk-free ? Muni Bonds Seem Poised for Pain WSJ.com Municipal bonds have been one of the top-performing asset classes in 2011. But the rally might not last much longer, advisers and strategists say. What Worked in 2011? and What Didn?t WSJ.com A year ago, many experts said to avoid U.S. bonds, hold ample cash and stick with foreign stocks. Those turned out to be among the worst moves of a surprising investing year. What to look for in a dividend mutual fund; Commentary: Income from funds is trickier than from stocks MarketWatch BOSTON (MarketWatch) ? Conventional investment wisdom for at least the last half century has been simple: Use stocks for growth and bonds for income. Divorce: Who Wants the House? WSJ.com A volatile relationship may trigger a divorce. But volatile financial markets are playing a big role in the way couples split their assets. While their lawyers spar, a couple?s retirement savings and other assets?cash, businesses, ? Non-traded REIT is a non-starter; Commentary: Illiquid real estate play is the Stupid Investment of the Week MarketWatch SAN FRANCISCO (MarketWatch) ? Every investment conference seems to have a magic word that reflects a broad, buzzing theme. At the Schwab IMPACT Conference in San Francisco this week, the magic word was ?alternative? ? which means that the ? The Federal Reserve Says, ?Let?s Do the Twist? WSJ.com The Federal Reserve?s latest move, known as Operation Twist, will involve selling $400 billion worth of its short-dated bonds and using those proceeds to purchase longer-term Treasurys. Crummey Trusts Still Smart, Say Advisers WSJ.com There?s nothing crummy about a Crummey trust?even in a period of higher exemptions for estate and gift taxes. The trusts, which got their name from a Methodist minister who won a fight with the Internal Revenue Service in the 1960s, are ? Subscriber Content Read Preview Pimco?s Gross Has ?Lost Sleep? Over Bad Bets WSJ.com In recent weeks, Pacific Investment Management Co. founder Bill Gross says he has ?lost sleep? over an ill-timed bet on Treasurys. Beware of the Bond-Market Bubble. Again. WSJ.com Spooked by stocks and unfazed by the recent downgrade of U.S. debt, investors have turned to Treasurys as a safe haven. But are their moves inflating the risks in the broader bond market? Options for Nervous Investors WSJ.com Stocks have generated more worry than gains this year?and for more than a decade. Yet slim yields on bonds and savings give stockholders little enticement to sell. ?Go-Anywhere? Funds Struggle To Read the Economic Road Signs WSJ.com They were supposed to be the ultimate weapon for turbulent times: mutual funds with the freedom to buy any assets they want, anywhere in the world. But as investors have flocked to so-called go-anywhere funds this year, many have gone ? Bond Bets Paid Off WSJ.com Last year saw better returns for bonds than for stocks on average?and that shaped the comparative performance of target-date funds for retirement. Find Solid Stocks in a Wild Market WSJ.com It isn?t easy buying stocks after the market craters, as it has recently. But the market has rarely looked so appealing in recent decades. Subscriber Content Read Preview Vanguard Bond Index Fund Beats Stars Bill Gross, Dan Fuss WSJ.com Investors are getting juicier returns this year putting their money into a bond index fund instead of tapping the brains of many high-profile fund managers. Savings Bond Goes Digital WSJ.com Grandma?s gift of choice is going digital. Most paper forms of Series EE and I savings bonds won?t be available for purchase after Dec. 31. The bonds will instead be issued in digital form through TreasuryDirect.gov. You can get a ? Why Buying Treasurys Isn?t As Crazy as It Might Seem WSJ.com Treasury bonds are dead. Long live Treasury bonds! Moody?s Investors Service and Standard & Poor?s this week said they might downgrade the credit rating of the U.S. if Congress doesn?t raise the debt ceiling soon?a move ? Muni-Tax Break Under Siege; A Senate Bill Seeks to Bar Municipal Borrowers From Issuing Tax-Exempt Bonds SmartMoney.com The tax break for municipal-bond investors, a cornerstone of the $2.9 trillion market for bonds sold by cities and states, is under fire in Washington. Forget About Black Swans, the One Floating Ahead is Neon WSJ.com You?ve heard of black swans?events that are unthinkably rare, immensely important, and as unpredictable in advance as they are inevitable in hindsight. Now, with no one ruling out a default or downgrade of U.S. Treasury debt, investors ? The Asset-Allocation Fallacy WSJ.com A time-honored investment adage is that your asset allocation should mirror your age: 60/40 stocks and bonds at age 40; 50/50 at 50; 40/60 at 60 and so on. An entire industry of so-called target-date funds has risen in recent years to help ? Defense! Five Mutual Funds for Bad?and Good?Times WSJ.com It?s often said that the best defense is a good offense. Unfortunately, when it comes to mutual funds, many have developed an unpleasant reputation for not protecting shareholders in tough times. Bond Markets Are Growing Riskier SmartMoney.com Bond markets are growing riskier as investors seeking steady returns bid up prices and ignore some early warning signs similar to those that flashed during the credit bubble. Stocks: More Room to Rally WSJ.com The trading pattern that has dominated the markets for the past year could be breaking down?and that could spell opportunity for investors. After a disappointing payrolls report on Friday morning, investors poured out of stocks and into the ? 3 Stocks With Impressive Returns on Capital SmartMoney.com Finance officers will attest that one key to corporate greatness lies in a pair of acronyms: ROIC and WACC. ROIC is return on invested capital. It?s the profit a company produces in a year as a percentage of the money investors have ? Unwitting Angels: When Fund Investors Become Bankers WSJ.com With the debt markets in turmoil, where will the money come from to bail out troubled borrowers? If you?re a mutual-fund investor, look in the mirror: The next bailout might come from you. How to Protect Yourself Against Currency Risk SmartMoney.com BOSTON (MarketWatch) ? The world is hyperventilating over inflation and municipal bonds right now. And with good reason. But there?s another issue that has analysts in the investment world putting finger to keyboard. And that would be ? You Need a Plan to Boost Retirement Income WSJ.com Generating the most income in the safest fashion from a nest egg is the holy grail of retirement income planning. You obviously want your dollars to stretch as far as possible without taking on much risk. In Search for Safety, a New Risk SmartMoney.com Federal Bonds, once a bastion of safety for the risk-averse, are now becoming more of a risk themselves. With yields at an all-time low and bond prices expected to rise even further, some experts are crying ?Bubble? ? especially ? Crystal Ball; What?s ahead for the yield on 30-year Treasury bonds? WSJ.com Send your prediction to crystalball@wsj.com by midnight EDT Sunday, with your full name, city, state and phone number. The first reader who gets it right will be named in next Saturday?s paper. Scary Investments?That Work SmartMoney.com Robert Hort is 64, an age when many investors start to slow down a bit?at least when it comes to where they put their money. Bonds begin to look more appealing than stocks, and cash looks like a safer bet than bonds. So where is Hort, a ? The Debt Crisis: If Treasury Bonds Aren?t Safe, What Is? WSJ.com How can you lower your portfolio?s risk in a world of rolling government-debt crises? Start by taking a deep breath. Then, see if you need to do some tinkering?but not too much. Analyst?s $125,000 Muni Warning Yields Backlash SmartMoney.com State and local government bonds have broadly fallen in price since late September, when celebrity analyst Meredith Whitney began publicizing a 600-page report predicting widespread defaults and a new financial crisis. Whitney recently told ? ? ? Video Results ( of ) Dow Soars to End Above 13000 4:54 Probing Mental Illness to Explain S? 3:52 For Food Prices, It?s the Bad and t? 2:54 Stock Futures Edge Higher; U.S. GDP? 3:19 MarketWatch Week Ahead: Federal Res? 2:25 Europe?s Anti-Trust Czar Sets Out R? 3:04 What Can Beijing Learn from the Flo? 4:46 Bundesbank Opposed to ECB Bond Purc? 4:46 Dow Surges 211 Points 6:37 Stocks Soar on Upbeat Europe Commen? 2:26 Bodies Built for Gold 3:58 ECB?s Draghi Boosts Markets With Eu? 6:24 Mario Draghi Comments Lift Stocks 4:27 Mitt Romney Questions Olympic Readi? 4:24 Did North Korea?s First Lady Visit ? 6:05 prev next INVESTOR CENTER MARKETS: DOW NASDAQ S&P 500 WATCHLIST PORTFOLIO MOST WATCHED POP-OUT Portfolio: Edit?|?View?|?New TODAY COLLAPSE YOUR PORTFOLIO RESEARCH STOCKS & FUNDS Enter a Ticker Symbol RECEIVE STOCK ALERTSSTOCK SCREENER MAP OF THE MARKET LIST VIEW COLLAPSE MAP OF THE MARKET LOADING? 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Updated 10/18/2011 Your Ad Choices Subscriber Agreement & Terms of Use Copyright Policy Reprints Custom Publishing SmartMoney.com: Site Map Home Invest Spend Borrow Plan Retirement Taxes Get Answers Tools Financial Planning Answer Engine Magazine Video Center Small Business Health Care Real Estate How-to Guides Portfolio Compare Brokers Tools & Formats: Current SmartMoney Magazine Issue Video Center Alerts Mobile/E-Readers Newsletters RSS Feeds Retirement Planner Answer Engine Financial Glossary SmartMoney on Twitter SmartMoney on Facebook The Wall Street Journal Digital Network: WSJ.com MarketWatch.com Barrons.com SmartMoney.com Allkye newsD.com FINS: jobs in finance, IT, sales BigCharts.com Virtual Stock Exchange WSJ Radio ProfessorJournal.com WSJ U.S. Edition WSJ Asia Edition WSJ Europe Edition WSJ India Page Foreign language editions: WSJ Chinese WSJ Japanese WSJ Portuguese WSJ Spanish Copyright ?2012 Dow Jones & Company, Inc. All Rights Reserved Intraday Data provided by SIX Telekurs and subject to terms of use. Historical and current end-of-day data provided by SIX Telekurs. Fundamental Data provided by Factset. Mutual Fund and ETF Data provided by Lipper. Intraday data delayed per exchange requirements. Dow Jones Indexes (SM) from Dow Jones & Company, Inc. All quotes are in local exchange time. Real time last sale data provided by NASDAQ only. Comprehensive quotes and volume reflect trading in all markets and are delayed at least 15 minutes. Mutual Fund and ETF NAVs are as of previous day?s close. Your Opinion Counts! You?ve been randomly selected to participate in an online survey. Your answers will be strictly used for research purposes. Respondents who complete this survey will be entered into a drawing to win one (1) of ten (10) Amazon Gift Cards, valued at $100 each.

Source: http://www.pointinsight.net/2012/07/29/kye-news/

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Martian polygons and deep-sea polygons on Earth: More evidence for ancient Martian oceans?

Martian polygons and deep-sea polygons on Earth: More evidence for ancient Martian oceans?

Monday, July 30, 2012

Debate over the origin of large-scale polygons (hundreds of meters to kilometers in diameter) on Mars remains active even after several decades of detailed observations. Similarity in geometric patterns on Mars and Earth has long captured the imagination. In this new articlefrom GSA Today, geologists at The University of Texas at Austin examine these large-scale polygons and compare them to similar features on Earth's seafloor, which they believe may have formed via similar processes.

Understanding these processes may in turn fuel support for the idea of ancient oceans on Mars.

Through examination of THEMIS, MOLA, Viking, and Mariner data and images, planetary scientists have found that areas on the northern plains of Mars are divided into large polygon-shaped portions and that sets of these polygons span extensive areas of the Martian surface. Smaller polygon-shaped bodies are found elsewhere on Mars, but these are best explained by thermal contraction processes similar to those in terrestrial permafrost environments and not likely to form larger polygons.

In the August 2012 issue of GSA Today, Lorena Moscardelli and her colleagues from The University of Texas at Austin present a detailed comparison of the geometric features of these large Martian polygons and similar features found in deep-sea sediments here on Earth. Moscardelli and colleagues note striking similarities.

On Earth, polygon-shaped areas, with the edges formed by faults, are common in fine-grained deep-sea sediments. Some of the best examples of these polygon-fault areas are found in the North Sea and the Norwegian Sea. These are imaged using detailed, 3-D seismic surveys conducted to search for offshore oil and gas deposits. Images reproduced in this paper show that these deep-water polygons are also 1,000 meters or greater in diameter.

While the details of deep-sea polygon formation on Earth are complex, Moscardelli and her colleagues conclude that the majority of these polygons form in a common environment: sediments made up of fine-grained clays in ocean basins that are deeper than 500 meters, and when these sediments are only shallowly buried by younger sediments. A key observation -- also made recently by Michelle Cooke at the University of Massachusetts -- is that the physical mechanism of polygon formation requires a thick, wet, and mechanically weak layer of sediment.

Moscardelli and colleagues also conclude that the slope angle of the sea floor plays an important role in both the formation and preservation of these polygons. Where the seafloor slope is very gentle (slopes less than half a degree), the polygons have very regular shapes and sizes. In many locations where polygons have formed on top of buried topographic features on the seafloor, the shapes of the polygons were altered, and in some cases were broken up and disrupted where the slopes were steepest. Both observations are consistent with deformation of the soft marine sediments as they creep or flow downslope in these areas.

In the northern plains of Mars, where the surface is basically flat, the polygons have very regular shapes and sizes -- remarkably similar to the deep-sea polygons found on Earth. In places where the topography on Mars is more varied, and where there may be evidence for other sediment-transport features on the surface, areas of deformed and disrupted polygons can be found -- again similar to the disrupted polygons here on Earth.

On the basis of these striking similarities, the University of Texas at Austin team concludes that these features most likely share a common origin and were formed by similar mechanisms in a similar environment. The team argues that the Martian polygons were formed within a thick, wet, and weak layer of fine-grained sediments that were deposited in a deep-water setting, similar to the Earth polygons. Thus, these interesting geometric features may provide additional evidence for the existence of an ocean in the northern portion of Mars approximately three billion years ago.

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Deep-water polygonal fault systems as terrestrial analogs for large-scale Martian polygonal terrains Lorena Moscardelli, Tim Dooley, Dallas Dunlap, Martin Jackson, and Lesli Wood, Bureau of Economic Geology, Jackson School of Geosciences, The University of Texas at Austin, Austin, Texas 78713-8924, USA. Pages 1-9; doi: 10.1130/GSATG147A.1, www.geosociety.org/gsatoday/archive/22/8/.

Geological Society of America: http://www.geosociety.org

Thanks to Geological Society of America for this article.

This press release was posted to serve as a topic for discussion. Please comment below. We try our best to only post press releases that are associated with peer reviewed scientific literature. Critical discussions of the research are appreciated. If you need help finding a link to the original article, please contact us on twitter or via e-mail.

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Source: http://www.labspaces.net/122124/Martian_polygons_and_deep_sea_polygons_on_Earth__More_evidence_for_ancient_Martian_oceans_

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Condominiums for Sale in Cardiff, CA | California Real Estate

If you have always wanted to live the peaceful and relaxing seaside existence, then you should consider the opportunity of owning one of the condo homes for sale Cardiff, CA.

Cardiff, officially called Cardiff-by-the-Sea, is a seaside community in San Diego County, in Southern California. You could not imagine a more laid back and restful place to call your home. Cardiff is a gorgeous and small town which is often lumped into the wider Encinitas area, which borders the town to the north and east. From its roots as a rustic farming community, Cardiff has developed into a seaside dream home for many. Today, surfers love to frequent this small town because of the presence of the Swamis surf break and the Cardiff Reef.

There is plenty to enjoy in Cardiff and Encinitas area attractions that will keep you happy and satisfied for years to come. For instance, you can visit the Leucadia Art Walk, which has a rotating collection of artwork. The San Dieguito Heritage Museum is the perfect place to visit if you want to gain some historical perspective on the heritage of your new home.

If you want to take full advantage of the wonderful climate, another option besides the beach is to hit the links. You can tee off on some amazing golf courses around Cardiff, including the Del Mar Country Club, the Lomas Santa Fe Country Club, and the Rancho Santa Fe Golf Club. You will love living the peaceful seaside lifestyle that Cardiff affords, so come see this town for yourself!

Source: http://realtylightpost.com/states/california/condominiums-for-sale-in-cardiff-ca/?utm_source=rss&utm_medium=rss&utm_campaign=condominiums-for-sale-in-cardiff-ca

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Verano Condos sales Stats in San Clemente, CA. | Real Estate ...

For the past 12 months, there were 12 Condos that have sold in the Verano subdivision of San Clemente. These sold Condominiums range in price from a low of $280,000 for a 2 bedroom, 3 bath, 1,724 square foot property located on Via Huelva street, and the high price was $393,000 for a 3 bedroom, 3 bath, 1,724 SqFt home situated on Corte Aljibe street. The Median price of the 12 Condos that have sold is $338,000 and the Average Price per Square Foot for these Sold condominiums was $211. At the time of this article 1 Condos were Active for sale, and 4 homes Pending under contract.

The Verano tract in San Clemente comprises of 144 attached condominiums incorporating 3 distinct floor plans. The condominiums were built by Lennar, in the years from 2004 to 2005. Visit the following link for more information pertaining this subdivision in San Clemente and the Condos currently for sale in Verano. For questions, feel free to email us at: Info@OCHomeTeam.com .

Source: http://www.wannanetwork.com/2012/07/30/verano-condos-sales-stats-in-san-clemente-ca/

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Energy Rush: Bureau of Land Management?s Divided Mission

[unable to retrieve full-text content]An obscure branch of the Bureau of Land Management wields great influence on local land-use decisions in the state, usually to the benefit of the energy industry.

Source: http://feeds.nytimes.com/click.phdo?i=f025623afe96f2ceccd90012f85b25b0

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Game Industry Interview with Eric Elder ?

July 28, 2012

By Andrea Emmes

Eric Elder

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Eric Elder. Have you heard of him? You haven?t? Well, let me school ya! Actually, that?s how I met Eric, who is now the Creative Director for Diamond Games. I had just started at the Art Institute of California?Hollywood and was the first Game Art & Design student accepted in the new program. Eric was my first mentor in the game industry and have really grown to not only respect him but really like him as a fellow human being. ?Now it is my pleasure to introduce you to one of my favorite people in the industry:

1. Tell me a little bit about your background and how you got into the game industry?

ERIC:??I started out in animation but have always had a passion for games.??While working at the Art Institute in Santa Monica I was the Asst. Dept. Chair for Animation and a newly formed Games program.???I soon after had the choice of becoming Director for either and I chose Games.??It was new and I knew I could mold it from scratch plus at that time around 2003 the games industry was really exploding.

What kind of a gamer are you?

I love all kinds of games but my favorites are Euro style resource management, strategy and family board games.

2. ?What excites you about games?

ERIC:??I love game mechanics and looking at games from a design point of view.??I am also really excited at the unlimited potential of games as experience.??Alternate Reality Games are very interesting I think.

Now that you are in gaming, have you found that the ?OMG, I?m making games!!? factor has waned or is the excitement still there?

Sometimes I?m present to it and sometimes not.??I just got into the casino side of the business which a lot of it is new to me.??I get most excited when I think about the games I could be making 3-5 years from now.??Also I have not yet made a fully immersive virtual world game, I think that could be a ?OMG? moment for me.

3. ?When we first met, you were my first mentor in the industry and I learned so much from you. How did you get into education and what is the best piece of advice that you could share with any aspiring designers out there?

ERIC:??Thank you.??I got into education by necessity it was the last thing I wanted to do but turned out to be tremendously rewarding and really has given me my career.??In Philadelphia where I?m from when I graduated there were very few if any animation opportunities there.??Teaching animation was the closest thing.??I had some experience as an assistant teacher at my alma mater to stay close to the expensive equipment and hear about job opportunities at studios.??I was then offered an opportunity to teach my own courses at the Ai in Philadelphia.

My best advice is that if you want to be a designer or anything else for that matter do it right away and do it as much as possible.??You cannot beat experience and that is why my training methods have always been simply experiential and I think have been so successful.??If you want to be a game designer start design games today, right now.??Get some cardboard, dice and pieces from other games and make a game and have people play it.??People get caught up and think they need the experience, or programmers or artists and they don?t.??Nothing is stopping you from being a game designer right now accept excuses!

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4. ?Tell me about what kind of games Diamond Games are making and how you contribute.

ERIC:??Diamond Game we make Class II slot machines.??Class II is more for the Indian Gaming market and are underneath bingo machines but look just like the Class III game you see in Vegas and Atlantic City.

I?m Creative Director so I manage and build the Creative Team, pitch new titles and themes and steer the creative vision for each title.

5. ?What is your favorite game and why?

ERIC:??That?s a tough one!!??I would have to say poker because it is the most accessible.??I can play online for free (Zynga Poker) I can go to the casino and play at various cash levels as well as tournaments.??I love tournament gameplay.

My favorite German board game at the moment is called Ora & Labora by one of the hottest designers in the field at the time Uwe Rosenberg.??The theme is that you are building up a monastery with various buildings and getting and company resources to convert into points.??I love that there are many choices and paths to victory and that all the choices are good ones.

6. ?What is the worst game and why?

ERIC:??I try to avoid bad games and put them out of my mind if I ever do encounter one.

If you could be any game character, who would you be and why?

I guess ?The King of All Cosmos? his title says it all.

It?s pretty obvious that Eric knows his stuff and I hope to continue learning from him now as his peer.

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Continue to Game On, Eric?Andrea

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Source: http://forbiddenpanel.com/PanelCast/?p=5046

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SEO Strategies - Optimize Online Press Releases For CRM - PDF

SEO Strategies - Optimize Online Press Releases For CRM

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virtual crowd - stand out and get noticed by optimizing around the keywords that hold the most
potential.
Once you've completed this critical research step, you will have identified the most potent keywords
with which to write your press release. Now you're finally ready to start writing!
Start with the headline, the most important part of your press release. Include your most competitive
keywords in this headline. While it may be tempting to simply combine all of your keywords, it's
imperative that your headline remains both condensed yet descriptive. Think like a journalist and a
searcher here. Stick to the basics, providing the essential facts and the who, what, where, when, and
why. All of the major search engines start by looking for keywords in headlines, so be sure to give
them what they're looking for in order to capitalize on relevancy. Observe these rules and you'll also
attract those all important human readers.
After you've crafted the headline, it's time to start writing the body of your press release. Begin by
isolating several related phrases to maximize your SEO potential. For example, if you're publicizing
the launch of your new SEO site, your headline may be something like Fusionbox Launches SEO
Microsite.
Don't fall victim to the constraints you'll encounter with the use of just one keyword or phrase. Instead,
use a web of related keyphrases to expand your reach. Alternate permutations like "Fusionbox
Launches Search Engine Optimization (SEO) Microsite," for example, will invariably broaden your
scope and influence. These various combinations allow your release to appear in News results for
these related phrases as well.
Try rotating various combinations of keywords in the body of the release as well to create more
diversity and cover more ground. For example:
"Fusionbox, a Denver SEO agency, recently lauched a new microsite devoted to search engine
optimization (SEO) strategies. The company, which specializes in search engine marketing (SEM),
web design, and web development, needed a unique platform to reach clients looking for optimization
solutions and showcase their SEO services."
Rather than using the same keyword phrase repetitively and sounding like a broken record (which
drives human readers away), this sentence sprinkles other keyword combinations that expand the

---

SEO value of the release without detracting from readability.
Be creative here. Don't try to overload on keywords or your release won't flow like good writing
should. A good rule of thumb is to write with an eye for your keywords, incorporating them into the
release when natural opportunities appear.
Once you've finished writing your release, read over it again and circle your keywords in red. Does it
sound natural or look like a finished New York Times word search? If so, take a step back and ensure
your work flows while maintaining general SEO copywriting best practices and a healthy keyword
density.
Next, look for instances of your keywords where you could include a backlink to your site. This will
allow you to build valuable incoming links to your site, which are a major determinant of search
engine positioning. Remember to use the full URL in your link if you can't employ anchor text, as this
will ensure your link is indexed and available to search engines and readers alike.
1
Finally, you've finished writing your optimized press release. Now you're ready to begin the
submission process. There are an infinite number of press release sites on the Internet, but some are
far superior to others. Before you go about submitting anywhere and everywhere, make sure the sites
you're submitting content to are crawled by the major search engines, or else you won't get any SEO
benefit from your release.
Many of the more popular distribution services are indexed by Google News, Yahoo News, and
others, but make sure by searching for related stories on these engines and noting where the top
results originate. This way, you'll get a better idea of which distribution channels specific search
engines favor.
Target these for your own release to ensure your content will be visible where it matters, especially as
Universal search [http://running-with-the-bulls-seo.blogspot.com/2007/09/blended-search-changes-
internet.html] rolls onto the scene, showing News links among the regular search results.
As you can see, optimizing your press release is a somewhat complex endeavor. Still, considering
that an optimized release is an essential ingredient to a search engine marketing (SEM) campaign for
its ability to boost search engine rankings, drive targeted traffic, build brand awareness, and even
help you gain digital real estate on the SERPs (search engine results page), the juice is definitely
worth the squeeze.
Just observe the best practices I've described above and you'll build your online presence in this
fiercely competitive online atmosphere where visibility is everything. An optimized press release will
allow you to connect with your target audience through content while deriving tangible SEO benefits.

SEO And Press Releases

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Source: http://pdfcast.org/pdf/seo-strategies-optimize-online-press-releases-for-crm-12

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47 traffic accident fatalities | East Timor Law and Justice Bulletin

East Timor Legal News 28 July 2012 Source: The Dili Weekly 26/07/2012 Written by Venidora Oliveira - Forty seven (47) road fatalities were registered during the period beginning January to July of this year in the whole of Timor-Leste.

?Some were victims of collisions while others fell of motorbikes and other accidents resulted directly from bad road conditions such as in Ermera,? said National Traffic Authority Chief Antonio L. C Soares (17/07), in Caicoli, Dili.
Another factor was most drivers not having full understanding of road signage, he added.

Member of Parliament Jose Manuel Fernandes in his turn said compared to other nations, Timor-Leste casualties are very small.

?Relatively speaking, this is a very low number compared to other countries where the actual volume of traffic is also higher, we are constantly blaming the police but we ourselves do not seem to want to contribute, because many a time we do not obey traffic signs,? said the MP.

The MP also asked the DNTT not to issue driver?s licenses to people who did not have the necessary experience to drive vehicles on the road.

?People should be tested on whether they know traffic rules, and whether they have the necessary skills to drive, but mostly if they abide by the traffic code, before licenses are issued,? suggested the MP.

Source: http://easttimorlegal.blogspot.com/2012/07/47-traffic-accident-fatalities.html

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Phoenix-based, non-profit bath and beauty products company run ...

PHOENIX ? A Phoenix-based, nonprofit bath and beauty products company is run almost entirely by people who used to be homeless.

Just B ? B Just produces a line of soaps, shower gels, lip balms and candles.

The company is operated by Lodestar Day Resource Center and is one of 16 agencies housed on the 11-acre Human Services Campus in Phoenix, which aids the Phoenix metropolitan area?s homeless community.

Officials tell The Arizona Republic (http://bit.ly/QdcEE5) that Just B ? B Just seeks to end the cycle of poverty and homelessness by employing homeless individuals and then training them in business, social and life skills.

?Everything in some form that we do, at least the final processing, is done right here in downtown Phoenix,? said Michael Tapscott, special projects manager at the resource center. ?Truly, 100 percent goes back into the non-profit company that hires homeless individuals and trains them.?

Tapscott hopes getting Just B ? B Just products in retail outlets spurs growth.

?I want them to participate in making successes and failures,? he said of Just B ? B Just?s four employees and numerous volunteers. ?They?re truly running a company.?

Tapscott said Just B ? B Just is ?a true non-profit business that provides both an immediate and long-term solution to homelessness.?

?We believe that the long-term solutions towards ending homelessness are educating people in business, life and social skills,? he added.

Every product of Just B ? B Just is produced, at least in part, at the Human Services Campus. Tapscott said the skills the company teaches go beyond selling grooming products.

?Selling soap is the same as selling cars, as selling computers. Essentially, there?s no difference,? he said.

Just B ? B Just employees learn about profit-margin statements, computer skills and other employable skills, according to Tapscott said.

?When you live on the streets, you?re no better or worse than anyone else, but you learn a different skill set ? survival,? he said. ?So when people come on to Just B, we try to teach them the skills that most of us were taught by our parents and early employers that we don?t even think about.?

The earliest days of Just B ? B Just began about three years ago. A product was first presented at a private corporate event, where it was a hit.

Since then, Just B ? B Just products have been sold at farmers markets, other private events and some small businesses. The positive response encouraged Lodestar Day Resource Center to contact Whole Foods Market.

Theresa Sarna, marketing supervisor of Whole Foods, said supporting a company that provides jobs for the homeless aligns well with the grocery chain?s mission of supporting socially conscious businesses.

?For us to bring Just B into the stores is a no-brainer. It just made sense. It?s a perfect partnership,? she said. ?It?s something our customers can purchase and get a great quality product while directly affecting their local community.?

___

Information from: The Arizona Republic, http://www.azcentral.com

(Story distributed by The Associated Press)

Source: http://ezfinder.net/beauty-information/phoenix-based-non-profit-bath-and-beauty-products-company-run-almost/

cate blanchett

Ways to Improve Energy Efficiency

While it is possible to improve a home's energy efficiency in any climate, the predominant weather in an area has an impact on which efficiency measures will be the most valuable. For example, in especially cold areas such as Juneau or especially hot areas such as Phoenix replacement windows can cause a marked change in the cost of heating or cooling a house, whereas the impact of new windows in a more moderate climate will be less.

Any time you set out to improve your home's energy efficiency there are three dynamics to keep in mind. First, generating energy at your home from a clean source is far more efficient. Second, lighting your home more efficiently cuts down on energy consumption. Third, heating and cooling your home more efficiently is often the single most important area of overall efficiency.

The climate that you live in will, to a great degree, dictate your ability to generate power on your property. Those who live in a rainy climate, for example, won't benefit from solar panels the way that those who live in a sunny climate will. And it's pointless to install a windmill where there isn't any wind. But if you can generate power it's a good idea to do so: energy burns off in wires, so the shorter the distance is between production and plug the better.

One exception is a geothermal well, which generates power based on the exchange of heat between one end of a rod that is sunk deep into the ground and the other end of the rod, which is exposed. The temperature below the ground is fifty-six degrees Fahrenheit all the time, so any time the temperature above the ground is different (higher or lower) a geothermal well can generate electricity.

But producing power is only one way to increase efficiency. Reducing your home's consumption of power is just as important, and one of the most significant consumers of power is lighting. This can be changed by switching high efficiency light bulbs for the standard ones or by correcting bad habits. Simply turning the lights off when you leave a room can save a lot of electricity and substantially improve efficiency.

Beyond these simple fixes, it is possible to improve the way you light your home by making better use of natural light. In older homes that tend to have smaller windows, you can make a significant change by increasing the size and quantity of those windows. Even without structural changes, using mirrors to reflect (and reuse) natural light can greatly reduce your reliance on artificial lights powered by electricity.

Most people spend the most money on heating and cooling their homes, which means that heating and cooling use the most power. This can be mitigated by installing newer, more efficient equipment, as well as by improving the insulation of your home to bring it up to today's construction standards. The better insulated a home is, the less affected it is by the temperature outside.

In addition to re-insulating the home, replacing windows can demonstrably improve efficiency. The value of new windows has been well enough established that in hot places like Los Angeles and Phoenix replacement windows qualify for rebates from most utilities. Replacing the windows creates a good (and often subsidized) opportunity to expand the size of windows wherever possible, increasing the amount of natural light available inside the home.

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Source: http://www.ideamarketers.com/?articleid=3437612

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How well does Skype keep secrets? VOIP service beats back more questions

By Bob Sullivan

Skype helps keep more secrets than any software on Earth, but just how safe are those secrets? That question arose again in earnest this week, after a set of stories claimed new Skype technologies made it easier for law enforcement to eavesdrop on members.

With 250 million users, Skype ?owned since 2011 by Microsoft -- might be considered the world's most widely distributed communication tool. Because its software encrypts those conversations, it is certainly the world's biggest deployment of encryption tools.? That's served the service well for years: It has a reputation for helping dissidents foment revolutions, and for being a last bastion of privacy.?

Governments, of course, hate secrets, and secret-keeping technologies that might enable what they identify as criminal behavior. Skype makes it possible to have phone calls that can't be wiretapped -- making the service a battleground in this perpetual privacy vs. order fight.

Since Skype first went corporate in 2005, with its purchase by eBay, that battleground has grown even more complicated.? A scrappy start-up can ignore the Chinese government and the FBI for a while; a Wall Street company with billions in revenue cannot.

Since that time, privacy advocates like Chris Soghoian have called on Skype to clearly spell out its secret-keeping technologies and provide assurance that it's not cutting deal with government agencies, enabling secret wiretaps or other intrusions.? In his view, Skype has been coy, and only answered in generalities.

---

"There are a lot of people who deep in their gut mistrust Skype," said, Soghoian, a fellow at the Washington, D.C., advocacy group Open Society Foundations, which says it promotes democracy around the world.

That mistrust set the stage for a flurry of reports this week suggesting that the service is no longer fully private. A flurry of bloggers -- noting the introduction of centralized "supernodes" by Skype that might provide a central point for eavesdropping, and a Microsoft patent describing a technological method for eavesdropping -- put two and two together and speculated that Skype's communications tools were no longer fully private.

In a rare step, Skype responded with a detailed rebuttal on its website.

"Nothing could be further from the truth," wrote Mark Gillett, the firm's chief development and operations officer, speaking generally about accusations that Skype is acting "against our users' interests."? He issued a point-by- response to many charge specifically leveled against Skype, saying that nothing about Skype's "posture and policies" with regard to law enforcement had changed.?

?Supernodes,? which route Skype traffic through central servers rather than allowing point-to-point connections, merely improve the flow of information around the service, Gillett said. What's more, they connect only addressing information -- actual phone calls don't flow through those servers, so they do not provide a convenient access point for wiretaps. That denial is clear and specific.

"Skype to Skype calls do not flow through our data centers and the 'supernodes' are not involved in passing media (audio or video) between Skype clients," Gillett wrote.

Moreover, he pointed out, they were first deployed back in 2010, well before Microsoft purchased Skype. ?

There are, of course, plenty of other ways that law enforcement could theoretically crack its way into Skype calls. There could be a backdoor built into the service. Skype could create and keep a spare set of encryption keys to unlock message at government requests.? As Soghoian suggests, Skype could even authorize encryption keys that would allow the government to impersonate a user, and then perform a so-called "man in the middle attack," with a government agent secretly inserted into the middle of a phone call, able to eavesdrop.

Answering a query from NBC News,?Skype executive Chaim Haas, said in an email that the firm does not save keys for government use.

"Encryption keys ... are not revealed to users or escrowed to third parties and are discarded when the session ends," said Hass, the service's senior vice president for technology, emerging media and digital strategy. "(The) use of credential-based identities and end-to-end encryption to make 'man-in-the-middle' attacks very unlikely," he added.

Skeptics like Soghoian still aren't satisfied, however. He says the volume of the conspiracy theories from the past week shows how much people are suspicious of Skype, even if supernodes are the wrong reason to doubt the company.

"Skype is always very careful how (it) phrases things," he said.? "If they say they haven't changed their intercept policy since Microsoft purchased the company, then the question to ask is, 'What was that policy before?' If you ask them, they won't give a straight answer."

Indeed, the answer Skype gives consistently to that question is this: "When a law enforcement entity follows the appropriate procedures, we respond where legally required and technically feasible."

It's that ?technically feasible? part which bother Soghoian.

"Why don't they just come out and say how their technology works?" he said. "The company is extremely evasive and we wouldn't accept that anywhere else. ... Think about this: What other security company is there where the company won't describe how it secures user data, but people still assume it's safe?"

It's those assumptions that bother Soghoian. People say things on Skype that they wouldn't say elsewhere because they assume the conversation is completely safe from prying eyes.? If it's not, there's a real hazard.

"There's a solid body of research which shows that when people think they are safe, they will engage in riskier activities," he said. "People use Skype because they think it's secure, but Skype has done nothing to clarify what it does and doesn't offer." He's concerned that Skype is, in a sense, having it both ways -- benefitting from offering a communications tool with a reputation for being completely safe from government's prying eyes, while benefitting from relationships with governments that help its business.

Other technology companies, like Google, provide what are called "transparency reports," which give some information about the number of times they have fulfilled requests from government agencies. Twitter released its first such report earlier this month. So far, Skype has not done so.

Still, a transparency report is not likely to answer the key question: How safe are secrets on Skype? By the time that answer arrives, it will likely be too late to be relevant.? It's a bit of a Catch-22.? The day that data gleaned from a Skype-based wiretap shows up in a criminal indictment or lawsuit -- which is often how these mysterious business practices are revealed -- is the day that government agencies will no longer be that interested in eavesdropping on Skype.

"If people hear that Skype is not secure, they won't use it for those private conversations, and they will be less interesting to law enforcement," Soghoian said.?

Such was the case with once-popular encryption email service called "Hushmail." In 2007, it was revealed that Hushmail had helped the Canadian government obtain as massive number of emails while it tried to prosecute alleged illegal steroid dealers. ?Hushmail then fell out of favor, and became a less interesting place for law enforcement, Soghoian said.

"Several agencies learned their lesson from Hushmail," he said.? "They blew their cover ... that won't happen again."

?*Follow Bob Sullivan on Facebook.
*Follow Bob Sullivan on Twitter.?

?

Source: http://redtape.nbcnews.com/_news/2012/07/27/12993814-how-well-does-skype-keep-secrets-service-beats-back-more-questions?lite

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Emmy producer says memorial tribute a challenge

Jimmy Kimmel, left, and Executive Producer Don Mischer attend the "64th Primetime Emmy Awards" panel at the Disney ABC TCA Day 2 at the Beverly Hilton Hotel on Friday, July 27, 2012, in Beverly Hills, Calif. Kimmel, host of the Emmy Awards in September, and Mischer discussed the ceremony at the Television Critics Association meeting. (Photo by Todd Williamson/Invision/AP)

Jimmy Kimmel, left, and Executive Producer Don Mischer attend the "64th Primetime Emmy Awards" panel at the Disney ABC TCA Day 2 at the Beverly Hilton Hotel on Friday, July 27, 2012, in Beverly Hills, Calif. Kimmel, host of the Emmy Awards in September, and Mischer discussed the ceremony at the Television Critics Association meeting. (Photo by Todd Williamson/Invision/AP)

Jimmy Kimmel attends the "64th Primetime Emmy Awards" panel at the Disney ABC TCA Day 2 at the Beverly Hilton Hotel on Friday, July 27, 2012, in Beverly Hills, Calif. Kimmel, host of the Emmy Awards in September, and executive producer Don Mischer discussed the ceremony at the Television Critics Association meeting. (Photo by Todd Williamson/Invision/AP)

BEVERLY HILLS, Calif. (AP) ? The producer of this year's Emmy Awards said it's a challenge to decide who to include in the ceremony's memorial tribute.

About three-dozen stars and other industry notables typically are honored in the "in memoriam" segment, although many more are deserving, executive producer Don Mischer said Friday.

He said he and the TV academy identify the late actors and other TV notables who will create an "emotional response" among Emmy viewers. That drew a wry observation from Jimmy Kimmel, who will host the Sept. 23 awards on ABC.

"I love that even in death, you're subject to a popularity contest," Kimmel said.

Omissions typically are more an issue for the Oscars than the Emmys. But some viewers objected when the death of "Taxi" star Jeff Conaway wasn't noted in last year's Emmy tribute.

Other than the host, the segment is consistently the audience's favorite part of the telecast, Mischer said told a meeting of the Television Critics Association.

He was asked if Andy Griffith, who died July 3 at age 86, would get special attention because of the actor's beloved 1960s comedy, "The Andy Griffith Show," and his subsequent long-running legal drama, "Matlock."

There are ways to focus attention on individuals with a unique position in the industry, Mischer said, such as placing their tribute at the beginning or end of the memorial segment.

ABC late-night host Kimmel was asked if he was annoyed the network didn't ask him to host the Emmys the last time it aired the awards, in 2008. The emcee job went to five reality TV show hosts, including Jeff Probst of "Survivor" and Heidi Klum of "Project Runway," who were roundly panned.

Kimmel said he took some satisfaction in the outcome.

"I was able to look good by not doing anything at all. That's my goal in life, by the way," he said.

___

Online:

http://www.emmys.org

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/4e67281c3f754d0696fbfdee0f3f1469/Article_2012-07-27-TV-Emmys-Kimmel/id-a5128df9294140c289c1ec7e0eafc599

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