বৃহস্পতিবার, ৩১ মে, ২০১২

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Posted on May 30 2012 by admin

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The information technology products, expertise and service you need to make your business successful. Fast shipping, fast answers, the industry?s largest in-stock inventories, custom configurations and more.

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বুধবার, ৩০ মে, ২০১২

3DS Mod - Retirement Planning With Investment Properties

All around us, individuals are getting deep off home, getting at the perfect time plus reselling at higher values or with tenant rent income to pay off an existing mortgage. Are investment properties a wise decision? Or is the market in a downward wind?

As with anything, there is one-size-fits-all solution, however getting information is the first step to assessing whether investment properties is included in the supplemental termination program.

Pros of owning investment properties are evident. Hypothetically talking, imagine owning a six-plex in a slow-changing, however successful part of Atlanta where we charged each tenant $1,000. The monthly mortgage for the building would be $3,000 however youll have which extra $3,000 couch each month.

Another benefit of property investments is the good duty kickback you might acquire. If you delight in getting your lump sum duty return towards the end of the year, then perhaps investing plus offering properties whenever we want which quick amount of cash is ideal for we.

Also, there is punishment for opting out early or age laws regarding whenever start using your earnings. You dont need to be deep or super business knowledge to incorporate property ownership into the termination planning schedule. Its been named ?the equal opportunity money builder.?

Cons of investment properties include the no guarantee danger. Its additionally no feasible choice for everyone as a result of high deal prices. Not everyone has thousands of dollars saved to make a substantial down payment.

Vacancies, bad tenants, maintenance costs plus property oversupply are a few of the disadvantages. Like any investment, there are lots of aspects past the control which can affect the income. For greater ensures, 401ks or IRAs ought to be included in the financial termination planning.

Your victory in home investment properties might depend mostly on whenever plus where you acquire. Money Magazine announced the most growth in Panama City, Florida plus Washington state ? places like Olympia, Spokane plus Mount Vernon.

Slow-changing however worthwhile markets exist in Atlanta, Providence plus Albuquerque. First time investors need to eliminate ex-boomtowns like Los Angeles, Santa Barbara plus Las Vegas, where exorbitantly high prices result in the market unsustainable.

While downtown home could be worthwhile, its not advised for those who are simply just termination planning for certain supplemental income.

Since the average American moves each 5 to six years, plus twelve billion homes are available every year, why not write on this trend whenever termination planning? It doesnt necessarily take a deep person to get plus profit.

If youre lookin to downsize the house following the family moves out plus earn certain extra spending income, investment properties is the ideal supplemental termination program for we!

Vernon Home Builders

This entry was posted on Wednesday, May 30th, 2012 and is filed under Uncategorized. You can follow any responses to this entry through RSS 2.0. Both comments and pings are currently closed.

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Canadian carriers put Galaxy S III launch on June 20th, back dual-core 1.5GHz chip for LTE models

Samsung Galaxy S III Videotron

Canadian carriers flocked to the Galaxy S III before we'd barely even left our seats in London to try it, and it looks like they're also more than a little eager to provide launch details ahead of their American counterparts. Telus and Videotron have both confirmed the leaked June 20th release date, and Telus has gone so far as to reinforce suspicions that LTE models will use the Snapdragon S4 instead of the Exynos 4 Quad -- it expects the phone to use a "1.5GHz dual-core processor," which sure sounds like Qualcomm's latest to us. The same carrier has nailed down pricing at $160 on a three-year contract for a 16GB version and $210 for a 32GB model. Other carriers like Bell and Rogers are still a bit commitment-phobic, although that earlier Best Buy tip makes us think they'll fall into line before long.

Canadian carriers put Galaxy S III launch on June 20th, back dual-core 1.5GHz chip for LTE models originally appeared on Engadget on Wed, 30 May 2012 14:29:00 EDT. Please see our terms for use of feeds.

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Consider These Internet Business Recommendations - CLEAR Blog

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মঙ্গলবার, ২৯ মে, ২০১২

Judgment day for Philippines' chief justice

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সোমবার, ২৮ মে, ২০১২

2 Tibetans set selves on fire outside Lhasa temple

FILE - In this Aug. 13, 2004 file photo, a young Buddhist monk stands near prayer's wheels at Jokhang Temple in Barkhor in Lhasa, Tibet, far west of China. Two men engulfed themselves in towering flames outside the temple that is a popular tourist site in Lhasa Sunday, May 27, 2012, marking the first time a recent wave of self-immolations to protest Chinese rule has reached the tightly guarded Tibetan capital. (AP Photo/Eugene Hoshiko, File)

FILE - In this Aug. 13, 2004 file photo, a young Buddhist monk stands near prayer's wheels at Jokhang Temple in Barkhor in Lhasa, Tibet, far west of China. Two men engulfed themselves in towering flames outside the temple that is a popular tourist site in Lhasa Sunday, May 27, 2012, marking the first time a recent wave of self-immolations to protest Chinese rule has reached the tightly guarded Tibetan capital. (AP Photo/Eugene Hoshiko, File)

FILE - In this June 19, 2009 file photo, security guards keep watch over Buddhist pilgrims as they walk on the Barkhor, the circular route around the Jokhang Temple in Lhasa, the capital of Tibet, China. Two men engulfed themselves in towering flames outside the temple that is a popular tourist site in Lhasa Sunday, MaY 27, 2012, marking the first time a recent wave of self-immolations to protest Chinese rule has reached the tightly guarded Tibetan capital. (AP Photo/Greg Baker, File)

BEIJING (AP) ? Two men engulfed themselves in towering flames outside a temple that is a popular tourist site in Lhasa, marking the first time a recent wave of self-immolations to protest Chinese rule has reached the tightly guarded Tibetan capital.

One man died and the other was hospitalized after they set themselves on fire Sunday outside the Jokhang Temple, the official Xinhua News Agency said. The report quoted a local Communist Party official as blaming separatist forces, an accusation it often makes against Tibetan exiles who support the Dalai Lama.

Xinhua said the two men were taken away by authorities within two minutes of setting themselves on fire.

Protests have become rare in remote Tibet and Lhasa in particular because of tight police security that has blanketed the area since anti-government riots erupted in Lhasa in 2008.

There have been at least 34 immolations since March of last year to draw attention to China's restrictions on Buddhism and to call for the return from exile of the Tibetan spiritual leader, the Dalai Lama. Most have taken place in heavily Tibetan areas of China, but only one had occurred in Tibet itself and none in the capital.

Chinese authorities have confirmed some of the self-immolations over the past year but not all.

The twin immolations in the heart of the Tibetan capital are certain to embarrass the region's communist leadership, who have pledged to prioritize social stability and ethnic unity. That mandate is especially pressing this year as China prepares for a once-a-decade leadership transition in the fall and doesn't want the occasion undermined.

The immolations are also likely to prompt tough, new restrictions on Tibetan social gatherings and religious activities in Lhasa, as they have elsewhere.

Radio Free Asia reported Monday that Lhasa was under heavy police and paramilitary guard following the immolations and that the situation was very tense.

Two foreigners working in the Lhasa tourism industry reached Monday declined to comment on the situation, citing the sensitivity of the issue.

The self-immolations occurred in the open-air Barkhor market near the temple in the center of Lhasa, an area popular with Tibetans and tourists alike.

Chinese Foreign Ministry spokesman Liu Weimin said Monday that "inciting such deaths will win no hearts. The political motive behind (the immolations) will never be successful."

Beijing has called the protesters' actions a form of terrorism. The Dalai Lama has blamed China's harsh repression on Tibetan spiritual life and empathized with the protesters.

Xinhua said the immolations were handled quickly and order was restored.

"They were a continuation of the self-immolations in other Tibetan areas and these acts were all aimed at separating Tibet from China," Xinhua quoted Hao Peng, secretary of the Commission for Political and Legal Affairs of the CPC Tibet Committee, as saying in a statement Sunday.

Xinhua identified the man who died as Tobgye Tseten from Xiahe county in Gansu province and the other man as Dargye, from Aba county in Sichuan province.

Most of the recent immolations have been in Aba, home to Kirti monastery, where numerous protests have occurred for several years. Xiahe is home to the large and influential Labrang monastery and the Tibetan community there has had sporadic clashes with authorities.

Xinhua said Dargye was in stable condition and able to speak.

U.S.-funded radio broadcaster Voice of America said the two men worked at a Lhasa restaurant called Nyima Ling. It identified one of the men as 19-year-old Dorjee Tseten but was unable to give the name or age of the other.

"This was the first time it has happened in Lhasa ? and right in the middle of Lhasa," said Tenzin Tsundue, a Tibetan poet and one of the most prominent activists living in India.

He said it reflects that anger against Chinese rule is not limited to areas where most of the immolations have occurred ? the mostly ethnically Tibetan areas outside the legal boundaries of Tibet.

"All over Tibet it's the same emotion, it's the same response" to Beijing's policies, he said.

"We are always in fear of the next self-immolation, and whenever it happens we say prayers. And every time it happens we hope the world is listening."

China says Tibet has always been part of its territory, but many Tibetans say the Himalayan region was virtually independent for centuries until Chinese troops invaded in the 1950s.

Beijing blames the Dalai Lama for fanning anti-government sentiment and routinely purges monasteries and nunneries, where support for the Dalai Lama and Tibetan independence runs high.

___

Associated Press writer Tim Sullivan contributed to this report from New Delhi.

Associated Press

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LG launches 'upgraded' SP820 Smart TV Upgrader box in June for about $170 US

LG launches upgraded SMP820 Smart TV Upgrader box in June for about $170 US

Should you have the impulse to turn your dumb display into a full-fledged Smart TV, LG has revealed the second iteration of its Smart TV Upgrader box is ready to hit the marketplace. The original ST600 box was released last year, and this new SP820 was announced earlier this year at CES. It adds LG's Smart TV experience complete with Magic gesture and voice controlled remote to any HDTV with an HDMI input. There's access to both 2D and 3D streaming content from the internet, DLNA, Wi-Fi Direct and any new apps LG rolls out for its platform. Similar to Apple's TV box and the Roku family, it's a palm sized device intended for easy installations. An even smaller, stripped down SP520 version that supports fewer apps is already on shelves with a $120 MSRP, although sale prices range from $80 to $99. The SP is shipping in June for 199,000 won ($169 US), while there's no word yet on a US release, we'll probably wait to see if LG can add enough apps to compete as a third party before jumping in.

LG launches 'upgraded' SP820 Smart TV Upgrader box in June for about $170 US originally appeared on Engadget on Mon, 28 May 2012 22:52:00 EDT. Please see our terms for use of feeds.

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Renesas aims to sell chip plant, shed 12,000 jobs: source

Japanese chipmaker Renesas Electronics Corp plans to sell off loss-making operations and cut its payroll by at least 12,000, a source close to the matter told Reuters on Saturday, as the company battles high costs and nimbler foreign rivals.

Sources also confirmed that Renesas, the world's largest maker of microcontroller chips for cars, aims to raise more than 100 billion yen ($1.3 billion) to pay for restructuring costs and will take the plan to Hitachi Ltd and its other major shareholders as early as next week.

The Nikkei business daily reported on Saturday that Taiwan Semiconductor Manufacturing Co plans to buy a Renesas chip plant at Tsuruoka, in northern Japan, as part of the plan, although the sources did not confirm this.

Renesas could not be reached for comment. TSMC spokeswoman Elizabeth Sun declined to comment on the report, saying the company does not comment on market rumors.

Renesas said last week it would form a tie-up with TSMC, which already counts Renesas as one of its clients, but declined to give details ahead of a formal announcement due on Monday.

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Renesas has posted cumulative net losses of nearly $6 billion over the past seven years as it struggles to keep up with South Korea's Samsung Electronics and others in an expensive race to build ever smaller and faster chips.

Hobbled by a strong yen and forced to close eight of its factories after natural disasters in Japan and Thailand last year, Renesas has said it would hammer out a restructuring scheme by July.

Renesas has presented a plan to its major lenders that would cut its payroll by at least 12,000, including 5,000 voluntary redundancies, the source close to the matter said.

The sale of the Tsuruoka system chip factory and its Renesas Mobile unit, which makes chips for mobile phones, would remove another 3,100 workers from its payroll, while the remaining reductions would come via natural attrition and restructuring at other facilities, the source said.

The plan would trim its payroll by more than a quarter.

The Tsuruoka plant, which makes system chips that combine processing and other functions on a single sliver of silicon and are used in a range of digital electronics, has been a major burden for Renesas as Japanese consumer electronics makers cut production of TVs and other products.

Renesas was formed over the past decade via successive mergers of the chip units of Hitachi, Mitsubishi Electric, and NEC Corp.

Mitsubishi Electric, whose earnings along with Hitachi have been bolstered by strong results in the infrastructure business and limited exposure to consumer electronics, said last week that Renesas's shareholders were prepared to offer support.

But NEC, whose chip division was merged into Renesas just two years ago, has been hit with steep losses in recent years as its mobile handset and IT hardware businesses struggle.

Renesas shares have lost more than half their value over the past two months as worries mounted about the company's operations, while Tokyo's benchmark Nikkei average is down 15 percent.

(Additional reporting by Mari Saito in Tokyo and Jonathan Standing in Taipei; Editing by Edmund Klamann and Nick Macfie)

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All Maryland NCAA lacrosse final as the Terps top Duke, 16-10

FOXBOROUGH, Mass. ??

? Monday's NCAA tournament final will be an all-Maryland affair.

The Maryland men's lacrosse team punched its ticket to the national title game with a 16-10 thumping of No. 3 seed Duke on Saturday evening before an announced 31,774 at Gillette Stadium.

The Terps, who advanced to the tournament final as an unseeded team for the second consecutive season, will meet No. 1 seed Loyola at 1 p.m. Monday. The Greyhounds (17-1) outlasted No. 4 seed Notre Dame, 7-5, earlier in the day.
Monday's title game will feature two teams from Maryland for the first time since 1979 when Johns Hopkins defeated the Terps, 15-9. Loyola will play for its first championship since 1990 when it lost to Syracuse, 21-9. Maryland, which won NCAA crowns in 1973 and 1975, fell to Virginia, 9-7, last year.

For the second straight year, Maryland ? which improved to 12-5 ? beat the Blue Devils in the national semifinal round. Almost a year ago, the Terps defeated Duke, 9-4, at M&T Bank Stadium.

Junior midfielder Kevin Cooper paced Maryland with one goal and four assists. Senior midfielder Drew Snider scored four times ? his third hat trick in three NCAA tournament games this spring, and senior attackman Joe Cummings added one goal and three assists.

Shooting efficiency was a huge factor in the Terps' victory. They scored four goals on five shots in the second quarter and 16 goals on just 29 shots for the contest.

?I just think we were finding each other in good spots on the field,? said Snider, who has scored 10 goals in the tournament. ?We all felt really comfortable with our offensive game plan. I thought we were very organized.?

Coach John Tillman said the players have the green light to shoot with the caveat that they have to make smart decisions and also consider whether they might be putting the defense at risk if that unit had to defend a long possession.

?If you feel like you have an opportunity, go,? Tillman said. ?We can't win if guys are worried about me yanking them or yelling at them. So I think players need to play, and we give them good guidance all week.?

The Terps, who also earned a berth in the tournament final in 1997, never trailed against the Blue Devils, who never got closer than one goal with 27.5 seconds left in the first quarter.

After Maryland scored the first two goals of the third quarter to take a 9-4 advantage, Duke went on a 4-1 run to trim the deficit to 10-8 with 13:34 left in the fourth period. But the Terps scored six straight goals to cement the outcome.

Duke (15-5) was led by senior midfielder Justin Turri, who posted two goals and one assist. But Wolf, who entered the game leading the team in both assists (31) and points (63), was limited to two assists by freshman defenseman Goran Murray. Wolf had not scored a goal against Maryland in the teams' previous two meetings this season.

Blue Devils coach John Danowski said he sensed a wave of confidence from the Terps bench that his team couldn't match.

?I thought they were much more confident than we were,? he said. ?I thought that it was very different, and we know that. Maryland kids are tough and rugged young men and very confident. And I thought our guys backed down a little bit at times and were not as confident as they've been. But again, [that's] perhaps due to how well Maryland was playing.?

edward.lee@baltsun.com

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    রবিবার, ২৭ মে, ২০১২

    Organizational Development / Change Management jobs ... - ASTD

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    Required: ? Bachelor?s Degree in these recommended areas: organizational development, business, education, human resources, health or other related fields . ? Three (3) years of experience in organizational development, effectiveness, cultural adaptation, performance management or similar healthcare related experience. ? Knowledge of management and leadership development, training development and execution, career pathing, measurement tools, engagement and succession planning. ? Experience in project management, management education, facilitation, instructional design or organization development consulting. ? Exceptional verbal, written and interpersonal communications skills with demonstrated presentation skills. ? Ability to create credibility with senior management and effectively implement interventions. ? Demonstrated analytical and problem solving skills. ? Demonstrated capabilities in developing and leveraging organizational development metrics and measures of success to guide effectiveness. ? Experience with process improvement, employee engagement, service excellence, and organizational culture building.

    Preferred: ? Master?s Degree in organizational development or business. ? Five (5) or more years of demonstrated experience in organizational development or organizational effectiveness. ? Experience in healthcare or service industry. ? Experience applying organizational development proven practices contributing to high performing teams, increasing leadership acumen and management success. ? Advanced Excel/Access/PowerPoint skills.

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    Everything Finance ? Blog Archive ? Auto Loan ? Find out ...

    Introduction

    The shrinking economy within the Usa has impacted the payment capability from the automobile loan clients. Figures show that 90 per cent of car mortgage in the US are delinquencies for indirect loans in the course of the financial turn down. This implies that they are late payments. Commonly automobile loan payments delinquencies occur where borrowers fall short to remit their down payments in the prescribed time frame resulting to delay. There are actually various factors that an auto loan consumer servicing a mortgage really should physical exercise so regarding maintain a fantastic credit score for long term automobile loan acquisition

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    Bankruptcy implies which you are from money for essentially the most with the loan interval. The resultant is either a late payment or evading down payment. Being a borrower, you should work difficult to find out which you have cash for far better part of the year or loan period of time. You might be in a position to pay the minimum down payment as well as greater compared to minimal. Any state of bankruptcy will taint your credit score worthiness as well as the credit score falls significantly. Your long term capability to borrow is compromised.

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    Your family charges payment patterns are considered by the financial institutions when calculating your credit score score. Late payment of the most necessary payments signifies which you are undisciplined or you might be struggling with cash management. Your late payment of rent and electrical energy bills will depict a adverse score of your credit score evaluation. This includes a negative influence in your future auto mortgage projects.

    Prevent payment delinquencies

    Auto loan payment will determine your credit score score regardless of whether it truly is completed promptly or late. Incurring subsequent late payments of the down pays results in increased delinquency amounts. This implies that you consider as well long to shell out your minimum monthly pays. These delays are reflected inside your credit score score report therefore affecting your future loans.

    Avoid borrowing to repay a different loan

    When you are confronted with uncertainties inside your finances, you might be probably to borrow one more financial financial institution to repay an current car mortgage. Once you do this your credit worthiness is adversely affected. A tarnished credit really worth implies that your next loan acquisition will appeal to substantial rates of interest. Additionally, it will call for you to location collateral in opposition to the mortgage therefore risking loosing them. You will be limited to certain quantity of mortgage from which you can?t exceed that amount.

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    শনিবার, ২৬ মে, ২০১২

    Zurich Offers New Excess Flood Coverage Policies : Property ...

    Whether from a hurricane, a broken dam, or a rising river, floods are one of the most common and most costly causes of loss. Because flood insurance is so difficult to obtain, floods are also one of the most feared causes of loss.

    On May 22, Sergio Leal wrote about the problems currently facing the National Flood Insurance Program. Since most policyholders rely on the NFIP for flood coverage, this is a particularly important debate for associations located on the coast or in flood prone areas.

    The NFIP has low limits on coverage, generally $250,000 for homeowners and $500,000 for commercial property owners. This is inadequate for most associations.

    Recently, Zurich announced that it would begin offering excess flood insurance to residential and commercial policyholders in all 50 states. According to the carrier, coverage will be offered for property damage, additional living expenses, and business interruption.

    With hurricane season beginning shortly, associations should speak with their brokers and consider supplementing existing coverage if necessary. Property damage, loss of use, and business interruption can be costly but, with the appropriate coverages, reimbursable.

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    Apartment Careers: Real Estate/Property Management jobs ...

    About Pinnacle.

    We invest in great people. That's why clients trust us with their real estate investments!
    At Pinnacle, we consider our employees our most valuable asset. In fact, our number one key business objective is to attract and retain the best talent in the industry! At Pinnacle, the key to our continued success and competitive advantage is our people.

    We offer a total compensation and benefits package to help with your needs today and build for your future tomorrow. We recognize that each employee is an individual with individual needs, lifestyles, and interests. Our benefits package was created with the flexibility to support employees who are at different places in their lives and careers.

    Pinnacle values diversity and is committed to equal opportunity in employment. We offer a safe, healthy work environment for employees through a commitment to maintaining a drug-free workplace.
    Pinnacle has ongoing employment opportunities at our headquarters in Seattle, our more than 40 branch office locations nationally and our many managed communities throughout the country.

    Pinnacle is the national leader in third-party fee management of investment real estate encompassing multi-family, commercial space, affordable housing and military housing. Pinnacle is built on four basic principles:

  • Quality people
  • Strong customer service
  • Solid market knowledge
  • Superior systems and support capabilities

    At Pinnacle, success is about more than having a healthy bottom line. Guided by our principles and values, we are committed to making Pinnacle an amazing and unique place to work for each member of our team.

    About the job..

    As an Assistant Business Manager at Pinnacle you are an important piece of the onsite management team. You help guide the ship, so to speak, of a Pinnacle community under the direction of the Business Manager. The Assistant Business Manager is a business leader who focuses on resident customer service and assists in managing the operations, leasing activity, renewals, collections, financial reporting, supplies, and communications of a multi-million dollar apartment community. This position requires unmatched customer service and individuals who thrive in a customer-centric, fast-paced environment. Be ready to be busy!

    Essential Responsibilities:

  • Address the concerns of current and prospective residents in a friendly and professional manner.
  • Helps set the standard on how Leasing Agents engage prospective and current residents. Tours and leases apartments as necessary.
  • Helps with training staff as necessary and models effective sales techniques on a daily basis.
  • Leads rent collection efforts, specifically with delinquent residents. This may involve lease termination and legal action if necessary.
  • Assist in managing the propertys budget by making sound fiscal decisions to increase the net operating income of the community.
  • Inspecting apartments during move-in and move outs, walking apartments and the community as needed.
  • Fill the role of acting Business Manager when the Business Manager is absent.

    Personal Competencies:

  • Business leader
  • High energy
  • Customer focused
  • Articulate
  • Detail oriented/organized
  • Strong Communicator both oral and written
  • High degree of flexibility and tolerance for change

    Qualifications:

  • Minimum of high school diploma, Bachelors degree preferred.
  • 1 to 2 years previous minimum related work experience, property management exp a plus!
  • General office, bookkeeping and sales skills
  • Excellent interpersonal skills and ability to deal effectively with persons from diverse social, economic and ethnic backgrounds.
  • Extremely computer literate, including Microsoft office Suite
  • Previous experience in a supervisory role is helpful.

    Pinnacle has grown to become America's largest apartment manager through many different successes. Yet, in today's ultra-competitive market, each success must fuel the next and speed is essential in the ongoing race to lead the industry.

    If you are ready to work hard and be empowered and encouraged to innovate, contribute ideas and discover solutions to provide current and potential residents with unparalleled, world class customer service please complete click Apply Online.

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    Avoid Burnout With Network Marketing Opportunities | Start An ...

    Network marketers have a phenomenal opportunity to dramatically change their lives and the lives of all those who are adventurous enough to work with them. The key to maintaining a willingness to give any opportunity your all, however, lies in learning not to burn the candle at both ends. Following are several strategies that can help you to avoid burnout even as your work hard to build your business from the ground up.

    Use Software

    Managing the customer details that you collect is a very vital part of the network marketing process. It is also a very time-consuming one. Marketers must also track their earnings, the rewards and accomplishments of their teammates and their time. A comprehensive software package that is specifically suited to this purpose is vital for staying up on top of everything, which makes it essential for dedicated marketers to research the different software options that are available to them.

    Different software designs will have special features that are better-suited to some affiliate networking programs than others. Investing in the right option will prove to be a tremendous source of relief. It will also allow for much better time management.

    Stick To A Set Schedule

    Although you have the opportunity to work around the clock, doing so will not necessarily improve your profits. You are a large part of what you have to sell, in that people will only buy into what you have when you look as though it is working for you. A regular and set schedule will help you to avoid becoming overworked and will definitely allow you to retain a fresh, eager mindset which is essential for succeeding in this all too competitive industry.

    Manage Your Profits Wisely

    Never calculate your income based upon a sudden and unexpected boon from your network marketing endeavors. Sometimes profits are high and sometimes profits are low, thus you will have to budget accordingly. During the high times, avoid taking on major expenses so that you can stack away cash for the unexpected lulls. Maintaining a consistency of lifestyle and spending is one way to avoid growing frustrated with your efforts. If your profits remain consistent you can then begin to increase your expenses, all the while maintaining good financial caution.

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    Europe slowdown adds more tension to Greek drama

    (Reuters) - Europe's economic slowdown has hit the engine-room of the euro zone, including Germany, gloomy new indicators have revealed, adding urgency to the region's struggle to keep Greece's debt crisis from tearing the single currency apart.

    So far, the 17-nation euro zone's downturn has been confined mainly to its periphery, but an index measuring broad economic activity across the monetary union in May showed its weakest outcome since mid-2009, during the global financial crisis.

    The composite PMI on Thursday indicated core nations such as Germany and France were being caught up in the downturn, even as they made contingency plans to deal with financial and economic turmoil in the event Greece quits the euro.

    Italy, which could be on the front line of speculative attacks on euro markets if Greece went back to the drachma, put a brave face on the situation, saying the most probable outcome was still that Greece would remain in the euro zone.

    "Anything can happen, but I think the most probable outcome is the one which is most positive for Greece and for all of us," Italian Prime Minister Mario Monti told Italian TV.

    He said Greece's euro zone partners had been wrong to insist on overly rapid reforms and fiscal adjustment, and that he did not expect it would be long before European countries were ready to introduce common euro zone bonds.

    "Italy is very much in favor of the creation of euro bonds when the time is right, and we do not expect it to be too far off," Monti told an earlier news conference.

    At least half of euro zone governments, as well as banks and large companies, are making contingency plans in case Greece decides to quit the euro. Despite Monti's comments, his deputy economy minister said Rome was ready for such a possibility.

    GREEK ELECTIONS

    Greek voters will signal their intentions at a fresh general election on June 17, a ballot that has turned into a referendum on whether Athens should continue with an austerity drive that is the price of continued fiscal support from its euro partners.

    Greece's anti-bailout leftist SYRIZA party is maintaining a lead ahead of the elections, according to an opinion poll on Thursday. Greece held elections on May 6 but that vote left parliament divided evenly between groups of parties that support and oppose austerity conditions attached to a 130 billion euro ($164 billion) rescue agreed with lenders in March.

    The Public Issue/Skai TV poll showed SYRIZA leading with 30 percent of the vote, four points ahead of the conservative New Democracy party, which is backing the bailout. If repeated on June 17, this would fall short of enabling SYRIZA to govern alone but give it a decisive role in forming a new government.

    Greece's deficit means that without the EU/IMF money, which would stop flowing if Athens were to tear up the agreement on reforms, it would not be able to pay salaries and would have to leave the euro zone and start printing its own currency.

    However, another opinion poll indicated support for SYRIZA did not mean Greeks wanted to ditch the euro.

    Three-quarters of decided Greek voters back the euro, according to an Ipsos poll, which surveyed people in Greece, Germany, France, Italy and Spain on whether they would vote to keep the euro if their countries held a referendum tomorrow.

    "Regardless of the turmoil and the debate that's going on in these crucial countries, it would seem that for the time being, people want to stick with the euro," said John Wright, senior vice president of global public affairs at Ipsos.

    Many Greeks, though, are not taking chances on banks being able to keep their money safe and have resorted to hiding cash at home - creating a new target, police say, for gangs that usually prey on "hard targets" such as the banks themselves.

    No one knows how much cash is stashed in Greek homes - in cupboards, at the back of the ice-box, beneath the floor or under the mattress - but it could well be in the billions, and burglars are after their share of loot.

    EURO BONDS

    Common euro bonds, which would allow weaker nations like Greece to borrow with the collective backing of the bloc, are back on the agenda as Greece's possible exit looms larger.

    France's election on May 6 of a Socialist president, Francois Hollande, has changed the tone of the debate on euro bonds. He urged a reluctant German Chancellor Angela Merkel and other European leaders at talks on Wednesday to consider recourse to euro bonds among other measures.

    Merkel, seen as an architect of the austerity prescription for Greece, now looks increasingly vulnerable on the euro zone crisis. Other European leaders have rallied around Hollande's call for a new emphasis on growth alongside debt-cutting.

    On euro bonds, Germany's opposition Social Democrats (SDP) and Greens have taken a similar line to Hollande. But there were signs on Thursday they might instead accept a compromise plan to mutualise only a proportion of members' sovereign debts.

    This would involve mutualising the debts of euro zone countries beyond 60 percent of GDP.

    The euro crisis has also thrown a spotlight on the vulnerability of commercial banks to a full-blown crisis of confidence in the single currency, especially in the indebted countries of southern Europe, such as Spain.

    Spain is considering creating a single nationalized bank out of its failed lenders, including problem lender Bankia, if the state cannot find buyers for state-rescued banks, a senior Economy Ministry source said.

    ($1 = 0.7948 euros)

    (Reporting by Giuseppe Fonte and Stefano Bernabei in ROME, Eero Vassinen in HELSINKI, Lionel Laurent and Laurence Frost in PARIS, Michael Shields in VIENNA, Johan Ahlander in STOCKHOLM, Charlie Dunmore, Barbara Lewis and Sebastian Moffett in BRUSSELS and Martin Santa in BRATISLAVA; Writing by Mark Bendeich; Editing by Paul Tait)

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    Free Download Professional Accounting Sample CV Template ...

    Free Download Professional Accounting Sample CV Template

    Sample Public Accounting Resume Template

    Hasham Khan,
    6576 A Seaview,
    Clifton,Karachi 75080,
    021-656787989.
    Date: 27th May, 2008.
    admin@UmeedainTimes.com

    Career Objective

    Expert in all aspects of accounting including receivables, payables, payroll, bank reconciliation, tax returns, financial reporting. Bring with me a meticulous approach to accounting problem solving and attention to finer details of accounts. Bring with me excellent training in Financial accounting and cost accounting with excellent analytical skills of financial data.

    Educational Background

    Certified Public Accountant, 2007

    Masters in Business Administration, 2004

    Bachelor in Business Administration 2001

    Work Experience

    2008-Present: Staff Accountant , Bright Industries

    Responsibilities

    Designed and maintained entire financial system of the company
    Involved in ensuring cost cutting measures were adopted by company
    Handled inventory reports and cost analysis of the company
    Payroll and tax framework design and maintenance
    Handling multiple project accounts at one time
    Prepared tax returns

    2006-2007: Payroll and Accounts Manager, Whitewater Agencies

    Responsibilities

    Developed and maintained payroll accounting standards
    Developed financial Policy framework
    Involved in handling multiple accounts
    Conducted Internal audits
    Maintained accounts as per international standards
    Budget control, cost control

    2004-2006: Senior Accountant, Broadburn Accountants

    Responsibilities

    Involved in the intricacies of multiple account accounting techniques
    Consolidated accounts
    Handled multiple client payroll monitoring process

    2002-2004: Accountant, Bradbury Inc.

    Responsibilities

    Maintaining accounts, ledger entries, journal entries
    Bank reconciliation statement and balance sheet

    Skills

    Proficient in MS Word and MS Excel,

    Proficient in the latest accounting software

    Proficient in Payroll and auditing software

    Achievements

    Multiple account handling
    Payroll policy development and maintenance

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    CeNano.net Helps Prepare Homeowners for Warmer Summer Months with these Green Energy Tips

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    Roanoke County homeowners may have overpaid real estate taxes ...

    0 Ratings | 31 Video Views

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    Real estate assessments are always a hot topic for homeowners and in Roanoke County assessments will soon be under the microscope like never before.

    At Tuesday?s Roanoke County Board of Supervisors meeting administrator Clay Goodman revealed some errors on the county's real estate website, specifically with home sale prices.

    Some assessment values also don't match up on the website.

    The county said at this point they don't know if the incorrect numbers led to inflated assessments which could mean some people overpaid in taxes.

    "It's a concern to know if we're doing anything wrong and if we are doing anything wrong we need to fix it,? said Roanoke Co. Supervisor Chairman Richard Flora. ?But we don't know if we're doing anything wrong yet."

    10 On Your Side investigated further using both GIS and the Multiple Listing Service (MLS), a website commonly used by real estate agents.

    We compared the two sites to find out how much extra tax money some homeowners may have paid.

    According to MLS one house on Northwalk drive sold for $300,000 last September.

    But after the sale it?s been listed as selling for $360,000 on GIS and assessed at $356,000.

    That means the homeowner could have paid a $600 in taxes.

    Same goes for a home on Aarons Run Circle, which according to MLS sold for $205,000.

    But on GIS the home is listed as selling for $234,000 and is assessed at $226,000.

    That equals an extra $200 the homeowner could have paid in taxes.

    10 On Your Side also found discrepancies with other homes in Roanoke County, including Brentwood Court, Edgebrook Road, and Crumpacker Drive.

    This could also have a wide ranging impact on other Roanoke County homeowners.

    If an assessment is challenged then the sale price of similar homes in the neighborhood is taken into account. Meaning if the sale price of a recently sold home is inflated other homes in the area could also have higher assessments.

    "At the very best we've got a problem, at the very best,? said board member Butch Church. ?At the very worst that's going to be determined. I hope and pray it's not as bad as it could be."

    Tuesday night the board voted to notify the Virginia Department of Taxation and if necessary an independent third party auditor.

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    Chase Bank Short Sale Incentive Letter

    If you receive a letter from?Chase Bank?stating that you are eligible for a?short sale incentive, please do not throw it away. It is not a scam. Distressed home owners have been receiving these letters for over a year now, and guess what? They are the real deal!

    Real estate agents and Realtors? have been reporting that their clients are getting large checks cut to them at closing. In some cases, as much as $30,000! Yes, Chase Bank is not only forgiving the debt on a short sale, they are giving the current sellers/owners a check at closing. Don't believe it? See an example letter below:

    Chase Short Sale Incentive Letter

    My name is Michael Collins. If you are currently considering a short sale in Wisconsin, I would be happy to walk you through the process and answer any questions you may have. I am certified as a Short Sales & Foreclosure Resource through the WRA. REALTORS? who have earned the SFR certification know how to help sellers maneuver the complexities of short sales as well as help buyers pursue short sale and foreclosure opportunities. The certification program includes training on how to qualify sellers for short sales, negotiate with lenders, protect buyers, and limit risk. Call my cell at 608-921-8536 and we can see if you qualify for any of these incentives.

    Original Post -?Chase Bank Short Sale Seller Incentive

    Additional Short Sale Information

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    Do I Need Product Liability for my Retail Shop? - Commercial ...

    We are often asked this question: Does my retail shop need Product Liability Insurance?

    Those who own retail stores should indeed consider acquiring Product Liability Insurance.

    Product Liability insurance is a life-saving necessity for any size business which distributes or sells products in the United States.

    One of the important things that Product Liability insurance does is to protect retail businesses against claims which are made about the sale of goods, products, foods, or medicines which are sold at the retail level.

    Sometimes, this coverage is built into a general liability policy for a business as products completed operations insurance.

    Product liability insurance covers the retailer?s liability for injuries and other losses which are suffered as a result of a product sold. Those injuries may be suffered by a buyer, a user, or a bystander.

    This type of insurance covers a product which malfunctions, or one which is defective, and in some cases, it also protects the retailer from failure to warn.

    A real-life example of exactly how product liability insurance works is clear when we review the 2007 incident which involved tainted pet food which was manufactured and packaged in China. Once manufactured, the dog and cat foods were imported to Canada, after which the products were sold to customers.

    Thousands of pets died, and thousands more were sickened, some suffering damage to kidneys which will last their lifetimes.

    And then, the barrage of lawsuits began. The Chinese and Canadian companies were insulated from lawsuits, because even if judgments were levied, obtaining that restitution would have been impossible.

    One example of how product liability insurance can easily save a business from financial disaster. One of the affected retail outlets ? in this case, Wal-Mart ? ended up facing the hundreds suits filed by unhappy cat owners.

    Just one lawsuit like this against a mom-and-pop store could easily result in devastation for the business. It is imperative that you examine your general liability policy in order to determine if more coverage is needed to protect your retail store.

    Tags: Product Liability Insurance

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    NC pastor says gays should be rounded up

    Anthea Butler, associate professor of Religious Studies at the University of Pennsylvania, joins The Last Word to discuss the violent rhetoric coming from churches on marriage equality.

    By James Eng, msnbc.com

    A North Carolina church pastor?s?call for gays and lesbians to be fenced in so they can eventually die off has triggered outrage among gay-rights and anti-hate groups, with one local citizens organization planning a?protest in response.

    The Catawba Valley Citizens Against Hate?said it was organizing a peaceful protest against Pastor Charles Worley on Sunday in front of Providence Road Baptist Church just outside Maiden, N.C., ?to tell the world that hate is not welcome in our community.?


    The group said the protest would be ?in the ideals of Dr. Martin Luther King and Gandhi.?

    ?We will not scream, shout or taunt Pastor Worley or his church?s members,? it said on its Facebook page.

    The protest organizer, Laura Tipton, who lives in nearby?Hickory, N.C., said she's gotten a tremendous outpouring of support and now expects "400 or more" people to attend.

    "I think the message needs to get out, especially because?this is a North Carolina church and North Carolina has gotten a very bad rap," Tipton told msnbc.com. "I think it's important that people know that not all of us feel this way, that there is support for the LGBT community in this state."

    Worley?s Mother?s Day sermon suggesting that ?lesbians and queers? should be rounded up to die off?touched off a firestorm after a video of it was posted on YouTube this week by the Catawba Valley citizens group.

    The 71-year-old Worley delivered the sermon on May 13, apparently in response to President Barack Obama?s public endorsement a few days earlier of same-sex marriage. Just a day before Obama?s announcement, North Carolina voters approved by a considerable margin a constitutional amendment to ban gay marriage and same-sex civil unions in their state.

    In the sermon, an animated Worley told the congregation of his independent Baptist church:

    ?I figured a way out, a way to get rid of all the lesbians and queers but I couldn?t get it pass the Congress ? build a great big large fence, 50 or a hundred mile long. Put all the lesbians in there, fly over and drop some food. Do the same thing with the queers and the homosexuals. And have that fence electrified so they can?t get out.

    And you know what? In a few years they will die out. You know why? They can?t reproduce. If a man ever has a young'un, praise God he will be the first.?

    Worley continued, his voice rising: ?I tell ya right now, somebody said, 'Who you gonna vote for?' I ain?t gonna vote for a baby killer and a homosexual lover! You said, ?Did you mean to say that?? You better believe I did!?

    Worley could not be reached for comment on Tuesday. Calls to the church office rang busy.

    The Last Word: Pastor wants to fence in gays

    The church, which is not related to the better-known Providence Baptist Church of Charlotte,?originally placed the video on its website?but later removed it.? The website could not be accessed for much of Tuesday, possibly due to server overload.

    NBC/WSJ poll: Obama's gay-marriage announcement a 'draw'

    Gay-rights supporters and others were quick to denounce Worley.

    "I am not part of LGBT community. I am an ally, a heterosexual," said Tipton, a social work student at Appalachian State University. "Whether you are straight or gay, people need to stand up against these messages of hate."

    An online petition started by Adam Eyster of Los Angelescalled for Worley to step down as pastor.

    ?This is hands down one of the MOST offensive things I have heard in my time of the LGBT rights movement,? Eyster wrote.

    Miss. lawmaker denies endorsing killing of gays

    Another petition started by Robert Hare of Jacksonville, Fla., urged?state and?federal prosecutors to charge Worley with ?inciting to commit mass murder?:

    "Freedom of speech or religion is one thing, but when you are exhorting people to 'help in the effort to find the best way of killing every gay person on the planet' you have clearly taken a giant step across the line."

    ?And in a post on MadMikesAmerica, blogger Erin Nanasi wrote:

    ?Pastor Charles Worley is yet another argument for the abolishment of religion. The evil that pervades the minds and hearts of some of the holiest of the holy, the preachers, priests, reverends and pastors will sicken the most hardy among us and the evil that is Charles Worley stains Christians everywhere, but particularly the congregation of the Providence Road Baptist Church, who applaud the venom that spews from the mouth of this monstrous man."

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