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Wednesday 31 October 2012
Lienholder Rights and Diminished Value Claims - Clear As Mud!
Can a lienholder claim my diminished value proceeds? Read this article to find out what the arguments might be if you go to court on the subject.
Trading FOREX Advantages
Have you always wanted to know the advantages of trading Foreign Exchange over stocks and shares? This concise guide should get you interested!
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Singapore's diamond market shines on luxury, investment appeal
SINGAPORE (Reuters) - The recent showing of a massive diamond in Singapore may herald a surge in the market for gems in the wealthy city state - or so hopes the diamond trader who brought it in,... 
British Medical Journal moves to flush out secret trial data
LONDON (Reuters) - The respected British Medical Journal (BMJ) will refuse to publish research papers on drugs unless the clinical trial data behind these studies is made available for independent scrutiny. 
Heating and Air Maintenance Tips for Energy Efficiency
If you are worried about your heating and air conditioning unit, you may want to consider efficiency. Consider having a pro do regular maintenance to keep it at its peak.
Tuesday 30 October 2012
Real Estate News: Ballunar Liftoff Festival photo contest proves picture perfect
Ballunar Liftoff Festival photo contest proves picture perfect Since its first flight in 1782, the hot air balloon has attracted the interest of people, and today there is no difference in the feeling of excitement and awe as they watch balloon aircraft propel through the air. The 2012 Ballunar Liftoff Festival, scheduled for Sept. 28-30, was canceled mid-afternoon on Sept. 29 after heavy rains saturated the festival grounds, preventing the hot air balloons from competing Saturday morning or setting up for the balloon glow at dusk on Saturday evening. A previous photo contest asked participants to submit photos of hot air balloons or other original images that celebrate mankind's interest in flight and discovery. The Keller Williams Global Property Specialist (KW GPS) platform will provide a unique value proposition to members, as well as to international buyers and potential sellers, including: training and coaching, technology to enhance websites, online lead-generating tools, marketing resources and a robust referral network through industry affiliations.
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Get Help From the Weight Gain Calculator to Determine Your Optimum Weight During Pregnancy
Pregnancy is a very complicated time for a mother to be as there are numerous things that have to be taken care of, especially when the mother to be is in so much discomfort. At the time of the pregnancy it is not only the mother's health that should be looked after but the baby's health as well. Everything that you do has either a negative or positive way for the baby.
Facts About PGD for Gender Selection
PGD or Pre-implantation Genetic Diagnostics is one of the most preferred sex selection processes since it has a high chance of being successful. Couples though should learn first about the advantages and disadvantages it provides before deciding to undergo it.
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Schwab considers warnings on controversial exchange-traded products
NEW YORK (Reuters) - Discount brokerage Charles Schwab Corp is reviewing whether to add a warning when a customer is about to trade certain exchange-traded products, in one of the strongest warnings... 
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Monday 29 October 2012
Important Features of a Bookkeeper
When becoming a bookkeeper you need to ensure you are meeting the certain requirements to gain trust from businesses. Below you will find each aspect outlined in detail.
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Kitchen Appliances Make Preparation of Healthy Diet Easy and Enjoyable
Kitchen appliances have automated most kitchen jobs. The trendy colors and sleek designs have moved the kitchen to the living room. Family can enjoy food preparation together and get more quality time to spend as a family.
Ice Machine Appliance Parts Preventing Unnecessary Costs
Online stores have started occupying dominant market share at least when it comes to supply of genuine appliance parts. Parts like ice machine appliance parts are available at half the cost and double convenience.
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Bad Credit Cash Loans Online - Get Instant Money Without Taking Any Risk!
If you wish to borrow quick money then it is better for you to avail bad credit cash loans online. This loan is widely available on various loan websites.
Sunday 28 October 2012
Comedy Showrunner Alan Kirschenbaum Dies at 51
The comedy veteran co-created the CBS sitcom "Yes Dear," and the upcoming mid-season comedy "Friend Me."
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Best Strollers Review: A Great Stroller Makes a Baby Happy
Strollers or baby prams help parents immensely in transporting their little ones. As carrying babies around and doing other activities simultaneously can be troublesome, parents often put their babies in strollers so that they can juggle other errands while still keep an eye on their infants. Putting babies in a pram also allows them to get a better and broader view of the world around them.
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Why Opt for LED Under Cabinet Lighting?
Because of the fact that the cabinets are used to store items that can directly affect our health, we must ensure that they are kept in the best possible conditions. This is why, people should opt for LED under cabinet lighting so that they can easily keep a watch on the food items kept in the kitchen cabinets, and also keep the area clean at all times.
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Selling a Company: The Problem Of Overvaluation
Many entrepreneurs have an inflated idea of the value of their company. This leads to poor decision making about retirement planning, and eventually asking price when they come to sell. This article explores some of the issues around this problem.
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Notepad Printing in Marketing - Pointers to Keep in Mind
For a business person, it is imperative to employ the best and highly innovative marketing strategies to achieve an edge. Today, notepad printing is one of the most effective marketing strategies you can use whether you run a small or a large business. It is an effective promotional strategy that helps you to enhance your brand visibility. When using this form of marketing, there are key pointers that you should always keep in mind to achieve your goals best. One of the most important factors to keep in mind is providing quality information about your business. Include logo, contact information and any other relevant details that will enable clients to learn more about your establishment.
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Saturday 27 October 2012
Make the Scariest Pumpkin Ever
This classic project from MAKE alum Mark de Vinck is a great last minute project that will scare the candy out of any unsuspecting trick-or-treater. It's a relatively simple build that can probably be pieced together with items you have laying in your junk pile or picked with a quick trip to RadioShack and the auto parts store.
Individual Health Insurance and Group Health Insurance - What Is the Difference?
When you step into the world of insurance policies, its various types are easily going to baffle you. If you have just trodden into adulthood it is necessary that you embrace the basic knowledge of how insurances work, so that you can take the right step into the finances of your life from the very onset.
Bacteria, yeast a diner's delight at Denmark's Noma
COPENHAGEN (Reuters) - While ant paste, milk curd and berry preserves make up the "Blueberries and ant" dish at Denmark's restaurant Noma, bacteria and yeast will soon be next for diners at the eatery which has been crowned world's best restaurant for three years.
Trading Forex Online? Different Trading Strategies
My focus in this article is to write about some of the strategies traders use in trading Forex as it can be difficult in the beginning finding the strategies. The mindset in the article is on indicators, range trading and Fibonacci trading. The purpose of this article is to give an overview and some search words for further investigation on the Internet about the subject.
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Friday 26 October 2012
Do I Need a Permit for That?
When you're getting ready to take on a home renovation project, you've got a ton of expenses and responsibilities to worry about... Is everything going to fit into your budget? Did you buy enough paint? Is the tile guy going to show up on time? What happens if you find a ton of mold when you knock down that wall? Even though you hate the thought of adding anything else to the list, there's one more question you need to answer before you begin -- "Do I need a permit for that?"
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Forex Trading Is Not Just Gambling, But a Profession
Forex trading, in the lens of an ordinary and inexperienced foreign trader, is a gamble. Gamblers do not really have a plan or strategy, and they rely most of the time on luck. In the Forex market, a plan is always required. Playing Forex can in some ways be like gambling if one treats it like a slot machine that relies on pure luck.
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If you are an Apple shareholder, learn to stomach the volatility. It?s not going away.
Last night Apple reported Q4 fiscal 2012 earnings. In what seems like a case of deja-vu, the stock slipped by a few percentage points in after market trading. What?s knocking Apple down this time? Well, they shipped a lower number of iPads than Wall Street expected in the quarter, and guidance for the holiday quarter is lower than expected. And the sooner we learn to ignore the short-term nature of Wall Street thinking, the better.
Just to recap, last quarter the stock dropped 5% in after market trading because of perceived weak iPhone sales and weak guidance. Then, within a few weeks, the stock had climbed from about $575 up to $700. Subsequently, it has now dropped back down to about $609. It?s a volatile stock and that?s just something you have to accept if you participate in the stock market.
The numbers
Let?s take a quick look at the key numbers: Apple delivered $36 billion in revenue and $8.66 in earnings per share (EPS). Gross margin was 40%. This is significantly better than guidance, but then again Apple is notorious for giving conservative guidance. Nothing has changed.
Apple?s largest product is the iPhone. In Q4 they sold 26.9 million units, which is up slightly from 26 million units last quarter. Customers knew the iPhone 5 was coming, and people obviously held off on iPhone purchases until it launched, considering the 5 million units sold in the first week after launch.
iPad sales were only 14 million units. This is down from 17 million last quarter, and Wall Street is a bit worried about this. Analysts expected more iPad sales, despite the fact that Apple says sales exceeded expectations. I wonder if people held off buying because of such huge anticipation for the iPad Mini, which Apple just announced this week. Still, iPad sales are up nicely on a year-over-year basis and are bound to be up dramatically in the December quarter. So I?m not worried.
Mac sales and iPod sales were solid, as usual. Macs continue to outgrow PCs, which means Apple is gaining on Microsoft in terms of OS market share. This is a trend that has been ongoing for many years, and shows now signs of slowing down. That?s great news for Apple shareholders.
Is profitability dropping?
During the Q&A session of the conference call, one analyst pointed out that if Apple?s guidance plays out, it will mean an earnings decline year-over year. Why would Apple tell Wall Street to expect the December quarter to be less profitable than last year?s comparable quarter?
CFO Peter Oppenheimer had a well-scripted and quite reasonable answer to this question. First of all, Apple?s December quarter will only be 13 weeks this year. Last year it was 14 weeks, so we should expect a 7% headwind from that alone.
But far more important is the huge refresh of products that Apple just threw at us. The iPhone 5 will be shipping for the entire quarter. The new 4th generation iPad and iPad Mini will ship for the bulk of the quarter. We?ve also got new 13? Macbook Pros and iMacs hitting us. I think Apple is correct in saying that they?ve never had a quarter with so many new products hitting all at once.
Here?s the thing about new products - they cost more to make than the prior generation of product. They have better screens, faster processors, and other component enhancements. This cost hits Apple, yet they don?t raise prices. Instead, they work their way down the cost curve over the life of the product. So the gross margin takes a hit. It?s a step change. And because Apple is launching so many products at the same time, it?s a lot of step changes in the wrong direction.
Apple is also introducing the iPad Mini, with a significantly lower price point versus other iPads. It has a lower gross margin. So profitability goes down.
As an investor, none of this bothers me so long as Apple can do two things. First, it has to prove that it can get costs down on new products just as it always has. This shouldn?t present much of a challenge. Second, they need to show me that the iPad Mini expands the overall market for iPads. If the Mini doesn?t accelerate iPad unit growth, then Wall Street can correctly say that Apple either canibalized its own profits, or was forced to take this step due to pricing pressure from competing 7? tablets.
If iPad sales improve with the new form factor, I look at is as Apple gaining more share and capitalizing on a portion of the market that was shopping elsewhere, or not buying tablets before. But if iPad sales don?t grow then Apple has simply lost profit, which is bad. For the record, I expect the former situation to unfold.
The bottom line
I?m pleased with Apple?s quarterly performance and I understand the reason for their guidance falling below Wall Street expectations. I take a longer term perspective on the business than most analysts and investors. I love the products they?ve just unveiled and it?s obvious to me that I?m more likely to increase my spending on Apple products than slow it down. If others feel the same way I do, that?s good for the stock.
In the mean time, if you are an Apple shareholder, learn to stomach the volatility. It?s not going away.
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Why Auto Loans With No Credit Checks Is the Better Finance Option
The biggest hurdle for those of us seeking a loan is a poor credit history. A negative track record in repaying loans might not be enough to completely rule out approval, but it certainly does not help. So, the availability of auto loans with no credit checks can only be welcomed with open arms.
Dual Comm Processing Solutions: The Fastest Way To Process A Credit Card
In the past, credit card processing took from several seconds to a few minutes for every transaction. But now, you can complete a transaction in a very short space of time with a dual comm terminal. These terminals are connected through phone and internet lines, so you don't have to worry about missing a transaction ever again!
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Thursday 25 October 2012
Learning More About Getting Pregnant
If you are looking for help getting pregnant, it may comfort you to know that thousands of couples are going through the same thing that you are currently experiencing. Remember to sit back and relax and do not let it get to you if you are struggling to conceive. As long as there is nothing wrong with you or your partner, you should not have any problems.
How to Choose the Best All Weather Shelter
An all-weather shelter ensures protection of human beings, machines and other items from harsh environmental conditions. They are manufactured using materials that are resistant to damages from various environmental conditions. In most cases, galvanized frames and structural steel are used in the manufacture of these materials.
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Stress Reduction for Stress Relief - Whats More Important to You, Stuff or Experiences?
Reduce your stress, feel more calm, relaxed and in control. And have more purpose, mission and direction in your life with inner peace. Two powerful and vital exercises (one written, one to do) can get you there fast. I promise that you will be glad you read this article.
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Drop the Dreams and Establish Solid Goals and Plans In Order to Succeed in Start-Up Business
The goal driven inventor, entrepreneur or small business candidate might not possess the knowledge or necessary skill sets necessary to immediately commercialize their plans. But they recognize their shortcomings and are fully committed to working, studying and researching their way toward gaining that knowledge.
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Wednesday 24 October 2012
Pest Control Pro Benefits
When you are dealing with pest control there are different things to consider. Make sure to use a professional so they are able to give you the best options.
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Types of Actuators
An actuator consists of a signal amplifier and a transducer. The signal amplifier increases power of the input signal so that it can operate the transducer, which converts the signal into the required form.
Chinese Companies Boycott Tokyo Film Market
Dealmaking suffers as a land dispute between China and Japan boils over at annual event linked with the Tokyo International Film Festival.
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Quentin Tarantino's 'Pulp Fiction' and 'Reservoir Dogs' to Return to the Big Screen
"Reservoir Dogs" will screen Dec. 4, marking the film's 20-year anniversary, and best picture Oscar nominee "Pulp Fiction" will unspool two days later.
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