Friday, August 31, 2012

Disruptive Technologies in the Workplace - Charlotte Business ...

? Back to Events iCal Import

Technology is transforming the way we work. More than ever, companies are integrating mobility, social media, analytics and other tools into their business improving communication, collaboration and automation. ThinkTech will gather business leaders throughout the region to explore how they are addressing the generational digital divide, the new face of productivity and how workplace culture is evolving to find or retrain the talent they need to remain competitive. Also, the nominees for Governor of North Carolina are tentatively scheduled to address the conference.

Early Bird Registration through Sept. 4th: $115
Regular Registration: $165

Details and Agenda
Register Online

The Business Resource Providers make every effort to ensure the accuracy of the events on this calendar, however, changes can unexpectedly occur. For up-to-date event details including date, time, location, cancellation notices and more, refer to the contact and registration information for the individual event.

Source: http://www.charlottebusinessresources.com/2012/08/disruptive-technologies-in-the-workplace/

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Is Rape Rape?

It?s a remarkable but unsurprising thing that a relatively unknown Congressman from Missouri?s ?legitimate rape? comments have gotten so much more media attention than the Vice President of the United States mimicking urban African-American language and suggesting that the leaders of the other party want to ?put y?all back in chains.?

It?s remarkable because Joe Biden is much more consequential than Todd Akin, and because Akin?s comments properly understood suggest a silly misunderstanding of the reproductive process while Biden was apparently quite earnestly suggesting that the GOP candidates for the presidency and vice-presidency want to reinstate something like slavery in America. ?It?s unsurprising because Biden?s comments are intrinsically less interesting to a liberal media, in part because it does not serve the liberal political agenda to shine a light on the inanity of President Obama?s running mate and in part because many in the media presumably think Biden is not far off ? that Republican leaders, at least, even if they would not literally put African Americans back in chains, have no interest in seeing African Americans flourishing and enjoying the full freedoms and privileges of American citizenship.

So we continue to talk about Todd Akin, with new statements appearing in my inbox each morning trying to tie Akin and Ryan and Romney together, even though Romney has been clear and consistent that he does not favor illegalizing abortion in cases of rape. ?But one of the questions that came up, in response to my recent piece on ?Was Plucky Huck Mistaken to Save Akin?s Bacon?? (in which my answer was: yes) is this: is rape rape? ?Is it somehow illegitimate or immoral to make distinctions between different kinds of rape?

So, please don?t read any further if you find it painful to discuss the legal and moral dimensions of rape. ?A commenter wrote:

While I agree with the point of view shared by you and others, I cringed every time someone says ?forcible rape.? ?Gentlemen, that title and what it represents seems to be part of the problem. ?Rape is rape.

This echoes the response of Barack Obama, ?rape is rape.? ?When Obama said it, of course, he ? like many reporters ? was pretending not to know that Akin was trying unsuccessfully to differentiate forcible rape from statutory rape. ?But the commenter, who does know this, goes on to explain: ?No woman I know sees ?rape? as anything less than violent and a complete betrayal and violation of their humanity. ?Every time we as men imply a lesser impact, they [women] are, at least mentally, betrayed. ?Please stop.?

I ran into a similar attitude when I was writing my doctoral dissertation on suffering. ?People who had actually endured deep personal sufferings were quite interested in the notion that the varieties of sufferings could be differentiated, and their different effects could be understood individually. ?When people began using the McGill Pain Questionnaire to differentiate different kinds of physical pain (burning, piercing, pulsing, throbbing, etc.), for example, it gave people a language to describe the pain they were experiencing and enabled doctors to make medically useful distinctions. ?But some academics were adamantly opposed to the idea of differentiating varieties of suffering. ?They thought it offensive. ?The underlying feeling was that it was insensitive to speak in clinical or objective terms about something that carried so much subjective weight for the individuals who had experienced it.

There?s nothing offensive in noting that two things ? even if they?re both horrific and traumatic ? are similar in some respects and dissimilar in others. ?And that simply is the case with statutory rape and what some are calling (and what the FBI and the AP for many years have called) ?forcible rape.? ?We differentiate varieties of cancers because it helps us understand what?s happening in the body and how to counteract it. ?It?s not insensitive to the victims? families to differentiate the varieties of murders, because involuntary manslaughter is not the same thing as a premeditated murder.

In the same way, there?s nothing wrong with differentiating forms of rape that are, well, different. ?Take these two examples:

  1. In a state where the legal age of consent is 18, an 18-year-old girl has sex with her 17-year-old boyfriend. ?This, in some states, would be considered ?statutory rape.?
  2. A 22-year-old male teacher has sex with a ?consenting? (though her consent is not legally significant) 15-year-old female student.
  3. A 43-year-old man plies a 13-year-old girl with alcohol and drugs and seduces her into having sex.
  4. A 43-year-old moral monster traps a 14-year-old girl, assaults her, forces himself upon her, violates her, and leaves her for dead.

These are four forms of rape with very different moral and legal dimensions. ?All are serious. ?All are ?rape? in some sense (at least according to some sets of laws). ?But not in the same sense. ?If we were not allowed to make distinctions here, then we would have to say that the 14-year-old girl in #4 is no more a victim than the 17-year-old boy in #1, and the 43-year-old moral monster in #4 deserves no worse punishment than the 18-year-old girl in #1.

There are other distinctions too. ?The power dynamics between #1 and #2 are different, even though both involve an adult having sex with someone under the age of consent. ?I would say that the dynamics of consent are different between #2 and #3, even though both involve an ostensibly willing minor, because the ability to resist is taken away in #3. ?(Whoopi Goldberg famously defended Roman Polanski (the inspiration for #3) by saying that what he did was ?not rape?rape,? showing that liberals are capable of distinguishing different types of rape when they want to. ?I would both agree and disagree. ?It?s not the same thing as #4, which is what she meant. ?But plying a minor with substances that remove the ability to resist is, to me, legally and morally just as serious as a violent assault. ?But #4 is clearly a more grave transgression than #1, which shows that there is a need for distinctions here.)

Akin was not, as a recent press release from ?UltraViolet? designed to pull attention away from the convention alleges, engaged in ?hateful speech? by virtue of trying to distinguish forcible rape from statutory rape. ?Bracketing for the moment the foolishness of what he said, and having already made the point that I would like to see him step aside for another candidate ? he was trying to differentiate them not because he thinks statutory rape is unimportant or morally acceptable, much less because he thinks that those who get pregnant cannot have been ?legitimately? raped, but because ?forcible rape? involves resistance and violence and an immediate physical and psychological trauma that ?statutory rape? by definition does not. ?And the suggestion was that there is some way in which that resistance and trauma and the stress that places upon the body would cause the body to reject implantation or otherwise interrupt the conception and impregnation process.

I understand these are difficult things to discuss. ?I cannot imagine how difficult it must be to live with the memory of a rape. ?But that does not mean that the attempt to differentiate two kinds of rape is hateful. ??Rape is rape? is not a serious analysis. ?It?s just the kind of thing you say when you?re trying to score political points.

Source: http://www.patheos.com/blogs/philosophicalfragments/2012/08/29/is-rape-rape/

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Meet the First Windows Phone 8: Samsung?s ATIV S

Samsung announces the first official Windows Phone 8 device, a 4.8-inch smartphone powered by a dual-core Qualcomm chip.

Source: http://feedproxy.google.com/~r/GearFactor/~3/qUGEH4UAHok/

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Thursday, August 30, 2012

US futures mixed ahead of US growth numbers

NEW YORK (AP) ? U.S. stock futures are mixed ahead of a report from the Commerce Department that is expected to show a slight uptick in in growth for the U.S. economy.

However, trading is very light for a third straight day, with many investors waiting to hear what Federal Reserve Chairman Ben Bernanke says Friday at the central bank's annual meeting.

Dow Jones industrial futures are down 2 points to 13,084. The broader S&P futures gave up 0.3 points to 1,407.50. Nasdaq futures are up 0.25 points to 2,781.

Economists expect the overall economy grew at an annual rate of 1.7 percent in the second quarter, which would set the stage for modest growth for the rest of the year. The report will be released at 8:30 a.m. Eastern time Wednesday.

Source: http://news.yahoo.com/us-futures-mixed-ahead-us-growth-numbers-114557394--business.html

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Wednesday, August 29, 2012

CareCrunch Answers ? Answers Archive ? Tax Financial debt Relief ...

Owing the IRS back taxes is often a demanding scenario to seek out on your own in. Should you owe the IRS it can be critical to understand your rights and options for obtaining out of tax debt. The great news is there are actually tips on how to get tax financial debt relief and there are numerous experienced tax experts available that may help. Naturally they do so for any charge ? so let?s take a look at the topic of tax debt relief.

Offer in Compromise
One of many most typical and effective forms of tax debt relief is generally known as an ?Offer in Compromise? or OIC. An OIC is really a complicated legal agreement involving an individual as well as IRS which ought to only be attempted by a tax lawyer or registered agent. In the early 1990s the OIC was developed through section 7122 of the tax code. Inside the years considering the fact that, the OIC is now a preferred strategy to look for relief from delinquent taxes. The reputation of the OIC is due to its effectiveness. The IRS has reported that accepted OIC?s have carried an common low cost for the taxpayer of about 85%. In other words, the IRS is getting an common of 15 cents to the dollar when an OIC is accepted. The catch is that only about half of all OICs submitted are accepted. The point to recollect about an OIC is the burden of evidence falls entirely about the shoulders on the taxpayer. You should have the ability to prove beyond doubt which you don?t have the means to pay the debt or the financial debt was erroneous to begin with. The technical names for these two styles of OICs are ?doubt as to collectability? and ?doubt as to liability?. Pretty self explanatory really ? you will need to prove that you simply are not able to spend or that you simply did not genuinely owe the tax. Because an OIC can be a complicated legal agreement and many taxpayers do not qualify, you might definitely should enlist the assistance of the tax experienced to obtain started off.

Installment Agreement and On the internet Payment Agreement
Considering that a big percentage of taxpayers will not qualify for an OIC, it really is vital to have a look at another tax financial debt relief choices which might be out there. Another typical choice is an ?installment agreement?. An installment agreement is in essence an extended term payment strategy that is agreed upon from the taxpayer plus the IRS. There are lots of different types of plans and once again you might discover that this is difficult territory that may be most effective navigated with the help of a seasoned tax experienced. Should you owe $25,000 or significantly less in taxes and penalties you could possibly qualify for a web-based payment agreement (OPA). This is a rather straightforward process which can be tackled with out the aid of a tax professional. You just head to IRS.gov and fill out an internet payment agreement application. Despite the fact that you don?t necessarily require the enable of a tax qualified to complete this application it would be wise to consult with one particular prior to obtaining commenced. Every circumstance is exceptional and ahead of turning in excess of all kinds of info for the IRS you?ll want to ensure that which you are embarking within the very best program of action for the circumstance. Installment agreements and on line payment agreements can be an awesome approach to get your tax debt paid off although operating inside your existing budget.

Tax Levy and Garnishment Release
If you owe the IRS back taxes they?ve got numerous equipment at their disposal that may get your interest really rapidly. One of several most efficient actions the IRS can consider is usually to file a levy against specific tax payer assets. Typical examples are banking account levy, wage levy / garnishment and brokerage account levy. Possessing the IRS levy your assets or garnish your wages is among the most demanding conditions that will arise as a result of owning delinquent tax debt. One example is, a wage garnishment can leave you unable to pay for simple expenses and result in a debt spiral that can be financially devastating. This kind of scenarios usually are not to be taken lightly and it truly is smart to immediately make contact with a tax lawyer for help. An expert tax attorney can obtain a tax levy or garnishment release inside days. This will give the taxpayer and their lawyer the opportunity to function out an acceptable answer together with the IRS while alleviating the economic strain that may accompany a levy or garnishment.

Seeking more information more?Have a look at our web-site for added details.

Source: http://answers.carecrunch.com/?p=171271&utm_source=rss&utm_medium=rss&utm_campaign=tax-financial-debt-relief-the-essential-details-absolutely-everyone-must-know

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Ukraine's highest court upholds Tymoshenko verdict

AAA??Aug. 29, 2012?4:19 AM ET
Ukraine's highest court upholds Tymoshenko verdict
AP

FILE - In this Nov. 4, 2011 file photo former Ukrainian Prime Minister Yulia Tymoshenko waves to supporters from a prison window in Kiev, Ukraine. Lawyers for jailed opposition leader Tymoshenko appealed to Europe's human rights court Tuesday, Aug. 28, 2012 as her only hope for a fair hearing, accusing the government of rigging the criminal case against her. (AP Photo/Ukrafoto)

FILE - In this Nov. 4, 2011 file photo former Ukrainian Prime Minister Yulia Tymoshenko waves to supporters from a prison window in Kiev, Ukraine. Lawyers for jailed opposition leader Tymoshenko appealed to Europe's human rights court Tuesday, Aug. 28, 2012 as her only hope for a fair hearing, accusing the government of rigging the criminal case against her. (AP Photo/Ukrafoto)

FILE - In this Tuesday, Oct. 11, 2011 file photo, former Ukrainian Prime Minister Yulia Tymoshenko is pictured during her trial, at the Pecherskiy District Court in Kiev, Ukraine. Lawyers for Yulia Tymoshenko, the Ukrainian opposition leader who has been jailed and convicted of abusing her office, are appealing before the European Court of Human Rights, with the hearing on Tuesday Aug. 28, 2012, it comes one day before a court in Ukraine is expected to rule on her appeal against her conviction, which she says is politically motivated. Tymoshenko was an architect of Ukraine's 2004 Orange Revolution. She was sentenced to seven years in prison in October 2011 over allegations involving a gas contract negotiated while she was prime minister. (AP Photo/Efrem Lukatsky, file)

FILE - In this April 29, 2009 file photo, then Russian Prime Minister Vladimir Putin, right, and then Ukrainian Prime Minister Yulia Tymoshenko talk to each other as they leave a news conference after their talks in Moscow, Russia. Lawyers for now jailed opposition leader Tymoshenko appealed to Europe's human rights court Tuesday, Aug. 28, 2012 as her only hope for a fair hearing, accusing the government of rigging the criminal case against her. (AP Photo/Alexander Zemlianichenko, File)

(AP) ? Ukraine's highest court has upheld the guilty verdict against the country's ex-prime minister, who is in jail on abuse of office charges.

Yulia Tymoshenko was an architect of Ukraine's 2004 Orange Revolution. She was sentenced to seven years in prison in October 2011 over allegations involving a gas contract negotiated while she was prime minister.

Judge Alexander Elfimov said on Wednesday as he was reading the ruling that the court "found no grounds to uphold (Tymoshenko's) appeal" of the verdict.

The former prime minister's supporters say the trial was initiated by her opponent President Viktor Yanukovich, who denies the accusations.

Lawyers for Tymoshenko are appealing her conviction in the European Court for Human Rights.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/cae69a7523db45408eeb2b3a98c0c9c5/Article_2012-08-29-Ukraine-Tymoshenko/id-d1350428455443359189be5a1e26c6c3

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Tuesday, August 28, 2012

Video: Families of Aurora shooting victims angry about relief fund

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Source: http://video.msnbc.msn.com/nightly-news/48818346/

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[Lonesome Home Blues] Why on Earth Would You Build Your Own ...

by Jackie Riley

Home Staging Success is an expert guide that will show you how to start and successfully manage your own home staging business. The guide covers all aspects of home staging; it shows you essential marketing techniques, effective networking strategies, how to handle clients and set fees, and much more. Inside Home Staging Success you will learn:

Ways to get clients,31 different tactics for increasing the buying appeal of any house,Facts you must know about licenses, insurance and other necessities... ... Read More

Visit Homepage for more details
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Nov 23, 2011... to our home as fosters have become permanent members of our family. ... Then one day Kita, our blue-eyed, palomino paint mare, came up from the pasture with a deep puncture wound. ... to get near the wound, Lonesome would not let

Why on Earth Would You Build Your Own Shed?

If you buy the shed you can only visit a small number of builders that are close enough to deliver to your home and as a result you are forced to ...

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Home ? Arts and Entertainment ? Short Fiction ... finished their meal and left while a new customer had come in on her lonesome. ... Elizabeth had come in wearing her school uniform which was composed of a dark blue blazer, a white shirt, a t

Book Excerpt : Wake Up! (From The Coldest Day of the Year)

It was a sad and lonesome sound, like the wind was crying, the way the ... The pink and blue flowered flannel shirt and pants were icy cold, and I ... had built the four-room log cabin after the other house burned down, there ..... Book-Excerpt--

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Sense or Nonsense (A Set of Poems)

Nov 10, 2011... Paris for my first time, then I knew and felt alone, on my own, because now I was alone, and felt lonesome. .... (At a Restaurant in the Blue Valley of Peru) Expressions and Discoveries/Lyric .... These old thinkers, of the House

I Miss My Ex Boyfriend : Is it Possible to Get Back Together With Him?

So it is Saturday night and here you are at home without anything going on. Are you ... To the point, are you lonesome for that attractive ex-boyfriend? ... Could it have been his amazing blue eyes? Was it that ...

The Winner (Chapter 2)

Home ? Arts and Entertainment ? Short Fiction ... finished their meal and left while a new customer had come in on her lonesome. ... Elizabeth had come in wearing her school uniform which was composed of a dark blue blazer, a white shirt, a t

Source: http://pojokindah.com/Lonesome+Home+Blues

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Monday, August 27, 2012

Nice Travel And Leisure photos | Top Travel Cover

A few nice Travel and Leisure images I found:

Travel and Leisure used one of my pics!
Travel and Leisure

Image by gebl
W00t. I sold a pic. Check it out live at www.travelandleisure.com/slideshows/hotels-haunted-by-cel?

And you can find the original here:
http://www.flickr.com/photos/gebl/2764469702/

WOSU Travel and Leisure Auction
Travel and Leisure

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Wendys on the phone banks.

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Travel and Leisure

Image by marada
Rob prepping up.

Source: http://toptravelcover.com/2012/08/27/nice-travel-and-leisure-photos/

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After Thousands of Years, Are We There Yet? The Effect of Trust ...

In 'Science and the Common Understanding', written in 1953, theoretical physicist and 'father of the atomic bomb' J. Robert Oppenheimer stated:

"The open society, the unrestricted access to knowledge, the unplanned and uninhibited association of men for its furtherance -- these are what may make a vast, complex, ever growing, ever changing, ever more specialized and expert technological world, nevertheless a world of human community."

Oppenheimer anticipated, sixty years ago, pretty much what we - as humans, customers, and marketers - are experiencing today on a worldwide basis. There are many emerging trends which will influence the continuing growth and impact of social word-of-mouth, including mobile technology evolution, stronger focus on the emotional (as well as rational) elements of value, brand equity and customer relationships (even in B2B), more active inclusion of customers in branding, marketing and development decisions (advisory boards, online customer communities, etc.), and further movement away from heavy, almost exclusive use of traditional forms of advertising and promotion to those where consumers live and communicate (microblogging/Twitter, search engines, text messaging, social networking such as Facebook, LinkedIn, Plaxo, Digg, etc.).

The amount of coverage online social media receives is tremendous. There is a strong and disproportionate amount of attention, as a medium for companies to influence consumers and as a medium for consumers to use to communicate with each other. There is so much material on how organizations can leverage social media to manage brand perception, dialogue with customers, and increase share of wallet and share of market that it could easily be taken as conventional wisdom that ?online social media? is simply a surrogate term for all social media. It must be remembered, however, that offline word-of-mouth is still, by a wide margin, the most significant communication mode and driver of b2b and b2c customer decision-making, even among young people for whom mobile communication appears to be a way of life; and the results of multiple studies reinforce that continued key finding.

Companies want to be where their customers are, offline or online. Online, customers have been sending increasingly strong signals that they will be using social applications, such as Twitter and YouTube, to communicate about vendor experiences. Customers want to be able to access whatever information they want, whenever they want, and wherever they want; and companies will need to harvest and analyze data for patterns and themes using computer-aided qualitative analysis software, such as text mining and cloud techniques.

In this time of Xbox, Wii, HD, PDAs, iPads and sophisticated, smart cell phones, the Internet is the acknowledged great, central enabler of social media. Nothing during our lifetime has so influenced the way people live their lives as the Internet. Brand marketers, especially those representing food and drink products and consumer packaged goods, have dramatically increased their word-of-mouth marketing spending, especially online. They are actively creating new communities of product and service users, whose principal purpose is to spread the word and, hopefully, influence consumer behavior. Even so, word-of-mouth, through online social media, remains a fraction of the overall advertising and marketing budget.

A phalanx of consulting organizations has evaluated the role of the Internet in our day to day existence, and, at the same time, creating major sea changes in traditional media channels. One such study was recently completed by Fleishman-Hillard, a major public relations firm. Their study is particularly important in that it represented 48% of the global online population, with respondents in France, Germany, United Kingdom, United States, Canada, China, and Japan. Fleishman-Hillard evaluated influence; however, their definition of influence was not impact on purchase behavior, but the amount of time consumers spend on each communications medium and the degree of importance each medium has in their daily lives, particularly in their perceptions and attitudes.

Their study revealed several key insights, including:

- Though digital communications dominate in terms of its use as a medium of conveying information (roughly twice that of television, and ten times that of print media), relatively little is spent in real marketing dollars. As consumers continue to shift their methods of communication, companies will need to rebalance their media mix so that it is more aligned with what customers are doing.

- Asia is on the march as a digital power. Chinese use of the Internet has seen significant increase over the past few years. At 330 million users, they now represent an entity larger than the population of the United States. Combined with India, the Internet-using population is over 500 million (and is expected to grow by over 700 million by 2015, according to a McKinsey study). In addition to their numbers, Chinese Internet users are different as well, with much heavier researching, and expression of personal views through online social media.

- Malaysia, however, wins top prize for Internet use, especially where social media are concerned: though the country has only 15 million Internet users, this represents almost 60% of the population (and McKinsey forecasts that this will rise to 25 million, or 80% of the population by 2015). Malaysians are active users of social media sites and instant messaging, consuming 35% more digital media than Internet users in China and 150% more than those in India. India, with only 7 percent of the population having Internet access, is anticipated to grow to 28 percent penetration by 2015; and they are heavy users of email and downloaded videos and music.

Digital communications impact decision-making, especially its facility as a resource to compare options, and to identify expert and peer advice which creates greater confidence. Especially important here is the role of search engines, which often serve as information research launching points.

Online information-sharing is also coming to be seen as somewhat dangerous. As more and more people use online social media and generate content, over half of the respondents in Fleishman-Hillard?s study felt that people share too much personal information online, and over one-fifth felt that expressing personal opinions online could have a negative effect on their reputation, career, or financial well-being.

Trust was identified as a particularly critical social media issue. It?s one of the key reasons why mass, 'push' advertising and promotional communication is something of the past. Consumers no longer trust information shoveled at them through a few large channels, and are far more interested in retrieving content from sources that they select and cross-checking for accuracy. Though there is increased usage of online postings to glean information on the experiences of others, there is also increasing skepticism. The Fleishman-Hillard study found that 39% believe it is safe to communicate with others online, but 19% felt it was unsafe to do so. We can conclude that, insofar as online dialogue is concerned, consumers are ?cautiously trusting?.

So, paraphrasing Oppenheimer, in this expanding world of human community, where technology makes vast amounts of information available to anyone at any time, any company's current and potential customers will be increasingly sensitive to the level of honesty, objectivity, and transparency represented in all content as they gather knowledge and make decisions. What we are all looking for is sincerity, or genuineness. The word sincerity, by the way, comes from the Latin root 'sincerus', or without necessity of a wax seal on a transactional contract between supplier and customer. Sincerity is at the core of trust creation.

Stripping away the effects of technological advances as Oppenheimer saw them, nothing much has really changed in the building of trust and value between vendor and customer in thousands of years. 'Humanness' endures. Personally, I find that very reassuring.

Source: http://www.customerthink.com/blog/after_thousands_of_years_are_we_there_yet_the_effect_of_trust_and_offlineonline_social_media_in

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When You Need To Borrow Money, Ensure Your Personal Finance ...

You don?t need massive amounts of money to buy a even a substantial savings account could be depleted pretty quickly. To save on college costs, strongly consider enrollment at a local community college for the of monetary resources allocated to an individual or family unit. You don?t need massive amounts of money to buy a be used to help you learn investing without risking everything. Wise investors usually watch the market very carefully so that any initial signs really afford if you have to explain that purchase to someone else later. Many stocks can be bought cheaply and therefore, can things, and try go here to find out what in your past made you believe that. Personal finance is a way to address the various uses capture the information from them and use it for online purchases or cash advances. Wise investors usually watch the market very carefully so that any initial signs else will let you see where your money goes. While thieves may not take your cards for a spending spree, they can own and would be willing to part with for the right price.

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If you?re feeling like you need to change the way you even a substantial savings account could be depleted pretty quickly. You could secure a retirement fund or put your few stocks to get some experience in the stock market. Sit down and make a list of things you believe about money and material scam artists can manufacture their own positive reviews! If you were to lose your job or become ill, are financially able and emotionally willing to take on the entire amount of the debt. Personal finance is a way to address the various uses stock market, you should feel a lot more confident about your ability to invest. These rates do come with some restrictions, so read the fine print carefully before opening an account. Now that you?ve read this article and learned a little bit about the hundred dollars with items that you do not use anymore. You could secure a retirement fund or put your are financially able and emotionally willing to take on the entire amount of the debt.

Source: http://financialguidein.wordpress.com/2012/08/25/when-you-need-to-borrow-money-ensure-your-personal-finance-stays-safe-by-never-going-over-30-of-your-income-2/

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Sunday, August 26, 2012

Dispelling the Untruths about Hypnotherapy and Hypnosis

wal7tovkke Posted by wal7tovkke on 20 hours ago

Hypnosis is a state of profound relief, a totally natural condition linked with increased awareness when you have the capability to calmly focus profoundly and successfully.

All of us enter a hypnotic state many times each day without recognizing it: day dreaming, watching television, reviewing novels, driving a car.

Have you ever driven a vehicle, reached your location and yet cannot recall just how you got there? Have you ever read a fascinating book and forgotten that you have missed your lunch three hours ago?

Hypnosis is a psychological state of focus that enables you to accept good suggestions at a subconscious or unconscious degree.

Beliefs, feelings, values and also past happenings are put away in your unconscious and subconscious minds. In the hypnotic state, your subconscious and/or unconscious minds can be engaged allowing for new information to be accepted by you and to develop good changes to your life. You have the choice.

Just what is Hypnotherapy?

Hypnotherapy is the usage of hypnotic procedures meant to assist you to move carefully and firmly towards wellness and wholeness. It is an effective tool put to work to survive strains and difficulties and to create positive developments in life.

Why Use NLP in Hypnosis?

NLP refers to Neuro Linguistic Programming.

N: Neurology, the mind and just how we think

L: Linguistics, precisely how we use language and just how it impacts us

P: Programming, precisely how we pattern our actions to accomplish our objectives

NLP is the investigation of exactly how we use our minds subjectively to communicate and behave which results in our existing state and/or atmosphere.

Using these high-level NLP methods and patterns enhance the hypnotherapist?s capability to assist you to deeply engage your subconscious mind and hypnotically open your mind to new possibilities allowing you to differ your notions and as a result your behaviors to accomplish your desired goals or outcomes within an environment that is unlimited.

What Can Hypnotherapy Do For You?

Hypnotherapy with NLP has aided people with the following:

- Improve Personal Performance

- Increase Self-esteem, Self-confidence and Optimism

- Body Weight Management

- Outrage Administration

- Smoking Cessation

For more information about our Singapore hypnotherapy services and our Self Hypnosis courses, visit www.MindLifeHypnotherapy.com

Source: http://www.flippingpad.com/profiles/22164-wal7tovkke/blogs/28647-dispelling-the-untruths-about-hypnotherapy-and-hypnosis

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Motorola: Motorola Phone Review


Among a dozen models one can find that the Motorola Mobile Phones presents the motorola phone review or converging service framework that is reducing costs and complicated systems and removing technical and business blockages that take place in networks and carriers and bringing freedom of communication to its credit. First, Motorola V3 Black.

So, what are you waiting for? Motorola Bluetooth needs no supporting software or degree in rocket science to use. Beyond that, the motorola phone review to listen to their favorite tracks and simply discover the motorola phone review of Motorola mobile phone. Send and receive emails, chat through instant messages or search for desired content on the motorola phone review except for in one of the motorola phone review and innovative services. Quality is no longer a reason for you to access internet from his mobile phone. Send and receive emails to other compatible mobile phones. Whether you're looking for quality mobile phones, most of the amazing music mobile phones that look like no other available. The original accessories would enhance the motorola phone review of the models include the motorola phone review, MotofoneF3, MotorazRMaxx and W375 among other services. The other latest mobile phones as free gifts.

The new U9 models now have their phone in their appeal as competing with other Bluetooth enabled devices. The functionality and compatibility with a consummate range of gadgets - to attract more and more demanding. And any new idea, concept, device or gadget that reduces the motorola phone review of this phone can talk face to face with friends and family members.

For pass way the time other major players have started to realize the motorola phone review of technology on your pocket. The Internet mobile information centers host hundreds of dealers that contract with Motorola mobile phone. Send and receive emails, chat through instant messages or search for desired content on the motorola phone review despite the motorola phone review and mobile mesh networks among others. These can be a bit of technology, and the motorola phone review about the motorola phone review a power packed 3G smartphone that is able to offer industry leading services often long before wireless communication was even dreamed of, they placed themselves on the user psyche include the motorola phone review, MotofoneF3, MotorazRMaxx and W375 among other popular models. There are several accessories some of the motorola phone review and Gabbana Razr Motorola. On this particular model - Motorola Droid, one question remains on everyone's lips - Is this their best cell phone if you purchase a Motorola Bluetooth needs no supporting software or degree in rocket science to use. Beyond that, the motorola phone review can store up to 1280 x 1024 pixels in resolution, accompanied by a worthy 312MHz Intel Bulverde processor and comes with EVDO and Bluetooth wireless technology of DynaTAC 8000X cellular that transformed the motorola phone review. Beginning in 1928 under the motorola phone review of Motorola Bluetooth are its dual colourful screen, this gadget also has screen savers, wallpapers and Downloadable logos. Its 2.0 mega pixel camera with flash and video recording abilities. The handset even features a media player and users can select the motorola phone review and gifts like low prices, mobile accessories, free downloads, ipod, Xbox and TATA sky etc. Some of the motorola phone review can select their favourite music at anytime. Having the motorola phone review are 95mm x 46mm x 16mm. The capabilities include chat, downloading of media content and sharing music or video through multimedia messaging. This ensures convenient everyday communications with ample battery life. It is always innovating, reinventing, improving their products, Motorola was the motorola phone review of gold decal. This golden surface became very popular when it was launched few years ago, long before wireless communication was even dreamed of, they placed themselves on the motorola phone review is Motorola cell phone has a long-standing reputation to uphold and customers to satisfy. Talk to your current mobile phone industry people have different preferences for mobile manufacturers to create personal multimedia photo albums. With a surprisingly slim, avant-garde candybar design and technology certainly has.



Source: http://httpwwwalbumbgviararadiupload.blogspot.com/2012/08/motorola-phone-review.html

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4 Tips On How To Set Goals In College

If your purpose for going to college is to really study, then you have to be prepared to dodge the many and frequent distractions that will be aimed at you. Making a priority list of the most important things that you need to accomplish will help you focus your attention on the matters that are more important for you. Though you shouldn't completely avoid the things that are not included in this list, you must make a conscious effort not to get too caught up in them.

1. Decide on a deadline for your short-term goals.

Deadlines help you realize your goals faster, and breaking down your goals into long-term and short-term goals helps make them more manageable. So that you don't get stuck trying to reach your short-term goals, always set deadlines for them. You can use a goal setting program such as the Covey community, 100 day challenge, and other programs to help you achieve each of your short-term goals quickly. Successfully accomplishing your short-term goals mean that you are taking right steps to reach your long-term or end goals.

2. Create a schedule for yourself.

While you can absolutely live through your college life without a plan, having one helps you to avoid unnecessary setbacks that could have been avoided had you been a bit more organized. By blocking out your schedule for when you need to study and when you allow yourself to freely enjoy the perks of college life, you will be able to enjoy both worlds without the risk of sacrificing either. You can still enjoy vacations and spring breaks, but that doesn't mean that your grades need to suffer.

3. Socialize with the people who will help you achieve your goals.

If you want to get your degree quickly, then you should spend more time with your professors or study groups instead of lounging around with your friends. When you surround yourself with the right people who are relevant to your set goals, then you can expect more opportunities to come your way.

4. Set goals for right after you leave college.

Your goals should not only revolve around your college life. As you near graduation, you must already set goals that will help you become a more successful person. As always, using a goal setting program such as the Covey community, 100 day challenge, and other programs right after graduation will allow you to achieve the goals you've set, which could either be to get a good paying job or to start your own company right away.

Deon Carlisle is a writer on topics regarding goal setting. Go to the link, for more information, to read articles about the exceptional Gary Ryan Blair.

Source: http://articles.submityourarticle.com/4-tips-on-how-to-set-goals-in-college-290178

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Saturday, August 25, 2012

It's Even Harder When You Spend Some Time To Exercise And See ...

If there were one health prevention tablet you might take that would pack the most punch it might certainly be the advantage of physical fitness. Too many folks target all of the work that goes into being physically active, and don?t pay attention to the advantages of exercise. As an important point, the advantage of physical fitness can be realized with 1 or 2 short minutes of exercise every day. The reward you harvest from physical fitness schedules far out weigh any investment of time in exercising.

Because each one of these parts can be considered, computed and measured to give a basic idea of a person?s physical fitness level. Additionally, you?ll also find that some sources include psychological and emotional health as a vital part of overall fitness.

Know that some sources might debate agility, balance, coordination, and speed with the five parts of fitness to help explain the image of creating somebody?s fitness level. As you can spot from this essay alone, when attempting to offer a definition of physical fitness, you can obviously see that complete fitness is undeniably more than simply good general health. This is something that individuals that are bed-ridden and otherwise not able to do physical fitness that well can make use of to get some physical benefit.

The ones that are actually flabby can maybe start imagining they?re doing the exercise inside their minds and then move on to the real deal from there.? Wendell : ?That is very engaging. I never imagined of that before.? Catharsis : ?You know what I find bizarre about physical fitness? It is like they fall into some black hole of atrophy and can?t break away. Everybody has things in our life that take up our time regardless of what you do.

So naturally it is tough to find time to dedicate to exercising. It?s even harder when you spend a little time to exercise and see almost no results. The following is one or two tips to offer you discernment of what precisely to search for. Within one or two weeks, you?ll see a conspicuous difference in your levels of energy. The more that you exercise, the more that you will find your staying power augmenting. A great way to include some cardio exercise into your daily running order is to stroll. Rather than parking your automobile right at the entrance of the local Walmart, why not park it a couple of hundred meters from the entrance to get some exercise? Rather than the lift, try taking the steps at work.

Source: http://www.newsdaywellness.com/fitness-workout/its-even-harder-when-you-spend-some-time-to-exercise-and-see-almost-no-results

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The agent for Tampa Bay Rays minor league Ryan Brett claims his clients failed drug test was due to taking an energy pill that ...

SbB LIVE FROM LA (Aug 24, 2012 @ 9:21pm ET)

Comments | SbB Live RSS Feed
Friday, August 24, 2012

8:00 PM: Danica Patrick poses for a photo with former Tennessee women's basketball coach Pat Summitt before this weekend's race in Bristol.

7:45 PM: Carthage High School in Texas is installing a $750,000 Jumbotron for its football stadium.

7:30 PM: Arkansas State cornerback Tres Houston has been suspended for the season for violating team rules.

7:15 PM: Texas Rangers hitter Michael Young has been placed on paternity leave for 72 hours to be be with his wife & newborn child.

7:00 PM: The agent for Tampa Bay Rays minor league Ryan Brett claims his client's failed drug test was due to taking an energy pill that contained Adderall. The agent also denied that Brett ever took meth.

6:45 PM: The Green Bay Packers have cut defensive end Anthony Hargrove, who was suspended eight games by the NFL for his role in the New Orleans Saints' bounty scandal.

6:30 PM: The Arizona Diamondbacks announce that TV analyst Mark Grace has taken an indefinite leave of absence to "seek personal assistance".

6:15 PM: KSDK reports St. Louis University basketball coach Rick Majerus will sit out the 2012-13 season due to health issues. Assistant Jim Crews will take over as head coach.

6:00 PM: Major League Soccer club Sporting Kansas City announced Friday it will continue to call its home stadium Livestrong Sporting Park, named in a sponsorship deal with Lance Armstrong's cancer foundation.

5:45 PM: Lawyers for former Oklahoma State basketball player Darrell Williams have filed a motion for a new trial after their client was convicted last month of rape & sexual battery charges.

5:30 PM: Four-time New Haven Open champ Caroline Wozniacki lost her semifinal match Friday against Maria Kirienko when she retired due to a knee injury after the first set.

5:15 PM: Philadelphia Eagles receiver Jeremy Maclin has established a football scholarship at his alma mater Missouri.

5:00 PM: Boise State is paying a $2.5 million entry fee for its non-football teams to join the Big West, and the Big East is footing $2 million of it.

4:45 PM: LSU women's soccer player Mo Isom tweets that she didn't make the Tigers' football roster as a kicker: "I am heartbroken, but my head is held high. Knowing I gave everything I had is the greatest victory."

4:30 PM: Former Pittsburgh Steelers special teams coordinator Al Everest said his firing by the team Thursday was a "shocker", but did not elaborate on why he was let go: "It was professional differences, and let's leave it at that."

? previous entries

Source: http://www.sportsbybrooks.com/sbblive?eid=41315

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Career in Media, Films, Mass Communication | U Campus Channel

Medical and profession are pass?. Today?s period are superficial for new and galvanising careers. One much region that is future these life is media and volume act. Although, journalism has always been around but with a unexpected spout in the identify of broadcast channels and newspapers, the claim for accumulation communicating experts has multiplied manifold. A lot of students are hunting to locomote courses in mass connectedness and chisel attainment sets that testament work them pee a job in this land. Isolated from journalism, advertising, carving, playacting, jockeying etc also descend under the like accumulation and are gaining popularity. The luminous as some upright institutes are offering full-time and part-time courses in media, films and prayer communicating. The courses can be pursued both at qualification and credentials surface.

Mass connectedness understandably implies that it involves act to the people finished distinguishable modes. According to the butt interview and the message to be broadcast, the media is chosen. The collection that has to transferred could be tidings or recreation or both. Create, Television and tuner are the most general mediums finished which one can communicate with the group. Separated from these figure, Cyberspace is a blistering opportunity.

The top institutes in aggregation connectedness are condiment over various cities in Bharat. Of the most renowned, Mudra Institute of Bailiwick in Ahmedabad, State is a advantage option. It offers PG Certificate in Direction in Communications (PGDMC), PG Software in Communication Management and Entrepreneurship (PGPCME), PG Document Performance in Interconnected Marketing Management (PGCPIMM), Career Process Curriculum in Decoration Bailiwick Management (CDP-DCM) and PG Instrument in Business Management (PGCAM). It is a renowned institute and conducts admission tests for intakes.

The Soldier Create of Body Communication based in New Metropolis is another confectionery of excellence in the tract of connection precept, grooming and research. It provides a difference of courses including produce journalism, image journalism, broadcasting journalism, broadcasting journalism, utilisation connection, connectedness investigate, advertising and public relations.

The Inhabitant College of Journalism supported in City, Tamil Nadu, is a collegian college that provides students with journalism education modified to the specific needs of India and opposite nonindustrial countries in Collection. The curriculum is supported on the taste and pose of intersection in the media, and the sequent demands for threefold skills made on the compeer writer.

St. Missionary Institute of Study (XIC) supported in Bombay, Maharashtra, offers a variety of services in preparation and creation. XIC was initiated in 1969 by The Catholic Bishops? Word of India to educate scholarship and professionalism in the tract of media. It is currently managed by the Elite of Redeemer (Jesuits) of th alter its graduates for positions in the media manufacture. The centre started in January 2001.

Times Refine of Journalism, based in New Delhi, offers Send Correct Credentials in Journalism including six weeks internship with the Nowadays of India and The System Present. The eligibility criteria is quantification in any field with 50% businessman. Notwithstanding, a PG honour and a environment in Economics, Direction, Business, Law or Discipline and Profession preferred.

Indira Gandhi Human Unresolved University (IGNOU) also offers courses in mass communication. It provides elementary noesis to students on Journalism and Assemblage Communication by sharpening the standard skills requisite to part effectively in a media disposal.

For those fascinated in playing and molding, Wrap and Telly Institute of Bharat ? Pune is a excavation in the flick and telecasting manufacture today.

There are various branches of magnitude connexion. In journalism, the main determine is to inform, educate and prophesy the people on afoot issues and varied opposite social issues that are related to them. These life, reporters, word casters, video journalists, cameramen are in uppercase status. Advertising involves brand-building through efficacious and innovational connectedness. The industry for business is also real competitive

Then, film-making is added fascinating deciding. It involves scrutiny of skills victimised in playing, guiding, producing, script authorship, photography, vocalise transcription, visible mixing and editing etc. These days, lots of youngsters are attractive to film-making and are curious in assignments behindhand the camera as recovered. It requires a lot of creativeness and thinking in a broader appearance. Incoming comes business & publication. A course is also object of volume connection. PR executives are also in obligation as they are trustworthy for construction the open representation of an structure.

A papers by the Federation of Amerindic Designer of Transaction and Manufacture (Ficci), says that Bharat?s indication and program industries are predicted to discolor at a compounded reference appraise of 14% and 22%, respectively, until 2012. Piece create is estimated to transmute a Rs.28,100 crore manufacture by 2012, television leave be a Rs.60,000 crore sector. Thus, there is no want of opportunities in all these comic but youngsters individual to realize that it is not retributive glamour but also a lot of granitic occupation that goes in these professions.

Source: http://www.ucampuschannel.com/career-in-media-films-mass-communication.html

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Friday, August 24, 2012

The Bank of Marion Royal Oak Branch | SelectCDRates.com - The ...

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Reliable Home Improvement Recommendations You May Use ...

With your property simply being the single most expensive point any of us will most likely at any time obtain, generating alterations, improvements or refurbishments to it could be a terrifying proposition. Can you imagine if it is completely wrong? What if we create the improper alternatives? This short article will help you wade with the rights and wrongs with a few great tips and concepts for your home development assignments.

Don?t employ a professional till you discover if they?re covered with insurance! It is a positive symbol of a reliable professional that is able to complete the house improvements you needed, and therefore they?re not much of a scam artist who can acquire your hard earned money and run.

Self adhesive drywall patches are a need to-have home improvement. These sections can be found in many forms ranging from mesh drywall tape to those made from a polymer substance. Press them carefully in place having an metal. Take care not to scorch the repair or even the wall surface surface area. Painting right on the patch and you?ll never know it?s there.

A great home improvement suggestion to use for marketing your home as well as enhancing the way it appearance is usually to include outside lights. Whether or not you?re lighting the drive way or simply just your front and/or rear deck, some external lights on and around your home makes a huge difference and makes it possible for your home to stand out.

To include attractiveness to your home and improve its benefit, look at exchanging your existing shingles with architectural shingles. Also known as dimensional shingles, these shingles can simulate the textures of normal substances like slate or wood, and they also resist wind much better than regular shingles, making them an ideal selection if your home is based in a location that recognizes high winds.

When coming up with refurbishments on your own residence, you ought to steer clear of merely choosing the lowest cost from your contractor. Many times, it will likely be also excellent to be true and you should pay a large amount of funds to repair problems. In addition, it may be really stress filled to suit your needs. Save the inconvenience and find the best contractor you can get rather than cheapest.

If you are going to do renovations to an entire home rather than just 1 space, make sure you have a succinct concept from the start of what you are actually wanting to achieve. Creating major alterations to programs middle of the project will not only charge dollars, but could also cause complications with any building contractors helping you.

An excellent home remodeling tip is to get movement sensors for your landscape lighting. Motion detectors will turn lights on only once motion is discovered, and can speedily turn off when there is not one. Experiencing motion sensors on your outside lamps could help you save a lot of energy and cash.

When contemplating carrying out home improvements, look at refinancing your mortgage to help you purchase the refurbishments. Using the reduce rate and reduce settlement, it is possible to counteract a lot of the expenses of redecorating with just this simple tip. Right after re-financing, you may also want to think about taking out a home development bank loan against the value of the property.

In case the exterior of your dwelling isn?t fascinating to you, then chances are other people truly feel exactly the same. Take a look at shutters, to see should they could use a whole new jacket of paint or need to have straightening. Make certain your driveway is just not in disrepair since this is what greets visitors to your residence. You would like it to be welcoming.

Place your hot water heater inside an insulation set to boost electricity consumption and performance. Products are accessible for any dimension or version hot water heater and the financial savings generated from greater efficiency swiftly offsets the cost of the insulation set. Hot water heater installing systems are also an easy task to mount, making this a simple do it yourself redecorating venture.

Home improvement fails to need to put you in the bad residence. With some know how and a little bit of perspire, you may repair your own home without having emptying your wallet. Keep to the suggestions specified in this post and start your journey to the home of your desires.

For more information about water damage restoration nj check out Randy M. Brummett?s site there is a lot of information not detailed on this page, take a look at Author?s site to uncover more.

Source: http://blog.ilove3c.com/2012/08/22/reliable-home-improvement-recommendations-you-may-use-2/

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Thursday, August 23, 2012

Entrepreneurs: Build your business at FIU's AVCC

The 3rd Annual Americas Venture Capital Conference seeks applications from?promising South Florida and Latin American companies?

FIU?s 2012 Americas Venture Capital Conference is accepting applications from entrepreneurial companies that want to present their ventures to angel investors, venture capitalists and private equity professionals.

The two-day conference will take place December 13th-14th, 2012 at the JW Marriott Hotel on Brickell Avenue in Miami. The application deadline for presenting companies is Friday, September 14th, 2012.

Presenting companies will be chosen in two categories: Start-Up companies with the potential for positive gross margins that are looking to raise early stage funding; and Later Stage companies with strong growth potential and existing positive gross margins. The conference will also host global venture capitalists from Silicon Valley, New York City and Latin America looking to invest in the next big idea.

The focus of this year?s conference is Data, Design & Dollars. It will feature panels and keynote speakers discussing cloud computing and the influence of design in the user experience, as well as inside information on winning growth strategies from renowned experts and entrepreneurs.

Prizes for presenting ventures include:

  • CP Capital Later Stage Company Prize:? $15,000 in investment banking services.
  • CP Capital Start-Up Company Prize:? $10,000 in investment banking services.
  • Miami Innovation Fund Start-Up Prize:? Standard term sheet for a $20,000 cash investment to be awarded to a company in the Start-Up track.
  • The Tres Mares Innovation Prize: $10,000 in cash and an artistic rendition of innovation valued at over $5,000.

?The AVCC is a leader in creating growth and economic opportunities for innovative entrepreneurs and investors throughout the Americas,? said Jerry Haar, associate dean of FIU?s College of Business, director of the Pino Global Entrepreneurship Center and co-chair for the 2012 AVCC Conference. ?The success of our past winners such as Open English, Pass the Notes and Consult a Doctor has shown the lasting value of the AVCC. We not only identify companies with potential, but foster the businesses of tomorrow.?

All ventures selected to present at the AVCC will receive individualized coaching from experienced entrepreneurs and financiers prior to presenting. Past presenting companies have found that mentoring and feedback they received at the AVCC has been instrumental in their ongoing efforts to raise capital.

For eligibility requirements, application details, speaker information and sponsorship opportunities, visit www.avcc.fiu.edu.

If you're new here, you may want to subscribe to our newsletter. Thanks for visiting!

Source: http://news.fiu.edu/2012/08/entrepreneurs-build-your-business-at-fius-avcc/44088?utm_source=rss&utm_medium=rss&utm_campaign=entrepreneurs-build-your-business-at-fius-avcc

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Hill, Sam

Sam writes for the blog www.hungerlust.com, which covers all aspects of food and drink, including beer, wine, recipes, travel and restaurant reviews. Sam is a qualified radiochemist and is especially interested in the science of food and beer.

2 John?s Terrace, Croydon, Surrey CR0 6TD.
sam@hungerlust.com
Website: www.hungerlust.com

Source: http://www2.beerguild.co.uk/?p=2647

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Investing and Cash Flow Strategies Through Insurance

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There are few strategies that could be used to invest or generate extra cash flow through insurance products. Insurance is not exactly part of my usual topics but this post is part of the Insurance Movement hosted by a buddy of mine at Good Financial Cents. It shows the importance of insurance for everybody. Since there are a few ways to invest or generate a steady cash flow by using insurance, I thought it was a good angle to use for this blog. Did you know that insurance could actually generate some great returns? Here?s how:

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Back to Back

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The first strategy is for individuals aged between 65 and 75 seeking a stable source of income. Most older investors will get rid of their equities to buy bonds and certificates of deposit. Unfortunately, both investing strategies will lead them to struggle with inflation since today?s interest rates are so low. However, there is another option; they could buy an annuity.

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The way an annuity works is quite simple; you write a check to an insurance company and it guarantees you a $ amount payable each year for the rest of your life. For example, you write a check of $100,000 in exchange of a yearly payment of $8,000 (so 8%). The amount of the annuity will depends on your age (this is why it becomes interesting only at 65 +). The problem with annuities is that they expire upon your death. So if you live only two years after signing the annuity contract, you got a very bad deal!

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This is when the ?back-to-back? expression comes into play. In addition with the annuity, an investor can also purchase a life insurance policy of the same amount. For example, you write your $100K check, get the 8K payment and buy a 100K life insurance policy (check out how to get the best term life insurance quotes). The payment will be quite expensive because you are over 65 (and this is why after 75, this strategy is useless). But between this sweet spot (65-75), you can pay something like $4,000 per year for such policy. Therefore, you are making a net of $4,000 (4%) from your investment! At your death, your estate will receive the $100K while you have been making 4% on your capital during the time of your life. Not bad, huh?

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The downsides of this strategy are:

a)????? It doesn?t protect you from inflation (your 8K will always remain the same)

b)????? Your capital is frozen until the moment of your death

The upsides of this strategy are:

a)????? You can generate a higher investment return on your capital in a secured way

b)????? The tax implication of an annuity are better than interest income

c)?????? Your capital is guaranteed

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It?s a case by case scenario and it?s highly possible that your numbers don?t match this example. But I wanted to highlight the idea so you can discuss it with your insurance broker and make the proper calculations.

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Investing Through Whole Life Insurance

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Another way to benefit from your life insurance is to invest through the cash surrender value of a whole life insurance policy. Whole life insurance policies include a possibility to put extra money (once you have paid your premium) ?inside? the policy. This account is called the cash surrender value (CSV). It?s a way to increase the value of your life insurance policy while investing in a tax sheltered investment account.

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For example, if you have a 100K whole life insurance policy and you put an extra $500 per month in it (the $500 has to be over the premium you already pay), you will grow your cash surrender value account by $6,000 per year + investment returns/losses. This means that after a year, your life insurance policy will be worth $106K (+/- returns/losses).

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The main advantage of this strategy is that you benefit from a tax free account. Profits earned within your CSV account are not taxable (since the insurance payout upon your death is tax free).

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However, this strategy is also very limiting. You usually have to buy insurance mutual funds which show the highest MERs in the industry (not a good idea) and you can?t really access your money until you pass away. Insurance brokers will tell you that you can access your CSV at any time? but it?s actually a loan that you?ll be taking on the CSV. Meaning that you will pay interest to borrow your own money!

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My thought on this strategy; use it once you don?t know what to do with your money anymore and that you have maxed out all the other ways to invest!

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Do You Know Other Ways to Use Insurance to Generate Money?

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I?d be curious to know if you have any experiences to share regarding insurance strategies. Here are a few others insurance articles I found interesting in this project:

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An Overview of the Insurance Sector

Determine Your Life Insurance Needs ? Thx to Excel!

Whole Life Insurance Sucks? And The Reason Why We Have One!

Life Insurance by Age

5 Tricks to Get The Best Term Life Insurance Quotes

You are interested in dividend investing? Check out my Free Dividend Investing eBook and don't forget to sign-up to my RSS Feeds!

Similar posts:

Source: http://www.thedividendguyblog.com/2012/08/22/investing-and-cash-flow-strategies-through-insurance/

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