Saturday, March 31, 2012

Daily Business News - MH Marketing Sales Management

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> Business, Economy, Manufactured Homes > Manufactured Home Demand Continues in Western North Dakota




By Spencer (Own work) [CC-BY-SA-2.5 (www.creativecommons.org/licenses/by-sa/2.5)], via Wikimedia CommonsFrom North Dakota and KXTNews comes a story about the demand for manufactured housing in the oil-boom state. Soon after new homes arrive on sales lots, they leave for site placement. The sales manager for one business told the reporter sales have tripled in the past year, most destined for the western part of the state. The task of setting the homes is being outsourced to companies in Montana and elsewhere just to keep up with demand. Used homes are apparently difficult to find and afford.

(Image Credit:?By Spencer (Own work) [CC-BY-SA-2.5 (www.creativecommons.org/licenses/by-sa/2.5)], via Wikimedia Commons)

Source: http://www.mhmarketingsalesmanagement.com/blogs/daily-business-news/manufactured-home-demand-continues-in-western-north-dakota/

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Friday, March 30, 2012

A Romantic Family Garden Wedding. | Welcome To Naija's foremost ...

Are you currently organizing an enchanting wedding? Plan a garden wedding at home. What a fantastic thought, in terms of making a choice concerning a location, you do not have to look any further than your family home and garden. Garden weddings are extremely intimate, the right environment for beautiful photos, to keep the memories alive for years to come.

The arranging begins with deciding on exactly who the wedding guests is going to be. Then the Weddings Invitations, should they be Customized, Personalized, Creative, Designer or Theme Wedding Invitation. The most effective thing about going as well as a wedding design is that you can pick the colors and also the laces and ribbons which go with a garden setting. This is a great concept, as it is possible to reproduce that in the wedding invitation stationery.

Create that visual soft, romantic atmosphere by making use of a combination of varying shades, and fragile materials in white or cream. Use lots of soft table linens with classic overlays they are able to make a memorable statement. An excellent concept is if the parents or grandparents possess lovely linens that could possibly be used.

A web-based wedding invitation shop like LovelyLittleInvitations has the perfect wedding invitation packages for you. You might get wedding invitations that happen to be custom created to pick up the style and color scheme, or pictures. You could possibly possibly choose on the internet wedding invitation cards. With this selection behind you, the actual preparing takes place. Having a wedding and reception at home within the garden does not permit for a lot of family and friends. As soon as you have chosen the invites and sent them out to your family and friends, it really is time to begin preparing your garden for that special event.

You can find wonderful methods to turn the garden in to an enchanting setting, a dazzling wonderland. Start with stringing white lights about trees and from one tree towards the next. Give each and every table a fairy tale name. Use seat covers and place a white sash around. Prior to the sash being attached place a single rose bud in each knot. Carnations and roses are a strong flowers and work well for this.

When it comes to the tables, place small earthen pots with seedlings in as a party favor. Do keep the menu simple. Perhaps go for buffet-style wedding caterers. Set an intimate tone with monogrammed napkins to include a little elegance. Lastly use a floral topper for the wedding cake rather than a classic cake topper.

Check out our on the web retailer at LovelyLittleInvitations to acquire concepts for styles that will tie your wedding invitations towards the wedding reception.

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Source: http://naijazobia.com/2012/03/30/a-romantic-family-garden-wedding-2/?utm_source=rss&utm_medium=rss&utm_campaign=a-romantic-family-garden-wedding-2

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Video: Canon vs. Nikon: DSLR heavyweight showdown

2-minute expert: How much smartphone data do I need?

If you have a smartphone, you have to buy a data plan as well, which could add around $360 a year or more to your bill. Wireless carriers have implemented new pricing, data limits and "throttling" that can make figuring out plans downright baffling. Here's a handy chart to help sort it all out.

Source: http://www.msnbc.msn.com/id/42218772/vp/46879927#46879927

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Thursday, March 29, 2012

Accounting Intern (Enterprise) | Enterprise Holdings | Job Opening ...

Gain real-world business, accounting, and financial training that will teach you all aspects of financial management pertaining to running a successful business. Our Accounting Intern position will introduce you to our Business Management Training program which fully prepares you to become a Business Manager of your own financial operation.

A key partner in our organization, the Business Manager oversees all aspects of financial management and provides balance to the partnership formed with the marketing and operational pieces of our business. You'll enjoy performance-based promotions and big earning potential as you climb the management ladder. Plus you'll work with fun people at a $9 billion industry leader that supports you every step of the way.


Responsibilities:

Starting as an Accounting Intern, you will be exposed to basic accounting procedures and principles ranging from accounts payable and receivable systems to financial statement, preparation, and analysis. Duties include but are not limited to:

  • Assist in preparing financial statement & analysis

  • Work closely with rental branches and other departments

  • Assist accounting managers with reports, etc.

  • Involved with A/P & A/R functions; cash receipts & petty cash

  • Assist in accounting schedules & filing

  • Perform miscellaneous administrative duties as needed


Qualifications:
  • Must have a high school diploma or GED

  • Must be at least 18 years old

  • Must be currently enrolled in a college/university in a bachelors degree program in Accounting or Finance

  • Experience in accounting, accounts payable/receivable or bookkeeping preferred

  • Must have basic proficiency with Microsoft Excel and Word

  • Must be flexible to relocate outside local area/state within a 1-3 year period to accept potential promotional opportunities

  • Must be authorized to work in the United States and not require work authorization sponsorship by our company for this position now or in the future.


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Source: http://www.collegerecruiter.com/display-job/474007/Accounting-Intern-(Enterprise).html

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Well Being and Physical Fitness Health Supplements For Women ...

Nutritional health capsules are godsent to help us keep healthy and fit in our ever busy daily lifes. Imagine if you don't have access to the best nutritional health supplements , then you have to eat all sort of fruits and vegetables every day just to met the lowest level required of vitamins, This will be a nightmarish situation because you will never have the time nor the inclination to [accomplish|do} this.

So the good people in this world invent the easily digestible health supplements that we can simply pop in our mouth even as we work and play. This exquisitely elegant product means that legions of people the world round can have their daily vitamins, antioxidants and other nutrients as easily as eating a meal. Do remember to have your regular dose of health supplements to stay free from diseases and sickness.

The best natural health & vitamin supplements resources : Well Being and Physical Fitness Health Supplements For Women ?

Why do you often fall sick? It is because you don?t have enough vitamins, nutrients, etc, in your daily intake of foods. You must have health supplements!:

Most of these are easily readily available in drugstores as nicely as in specialty overall health dietary supplement merchants. Nonetheless, it is critical to observe that these nutritional supplements cannot choose the location of ?

Most of these are easily readily available in drugstores as nicely as in specialty overall health dietary supplement merchants. Nonetheless, it is critical to observe that these nutritional supplements cannot choose the location of ?

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Most of these are easily readily available in drugstores as nicely as in specialty overall health dietary supplement merchants. Nonetheless, it is critical to observe that these nutritional supplements cannot choose the location of ?

The best natural health & vitamin supplements resources : Well Being and Physical Fitness Health Supplements For Women ?

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The smart people in this world invent the easily digestible health capsules that we can simply pop in our mouth even as we work and play. This beautifully designed solution means that scores of people the world round can have their daily vitamins, antioxidants and other nutrients as easily as eating a meal. Do remember to have your daily dose of health tables to stay free from diseases and sickness.


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Health pills are godsent to help us stay healthy in our ever busy daily lifes. Imagine if you don't know anything about the best nutritional health capsules , then you have to eat all sort of fruits and vegetables every day just to met the minimum requirement of vitamins, This will be a horrible situation because you will never have the time nor the inclination to [accomplish|do} this.

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Source: http://www.healthpills.org/well-being-and-physical-fitness-health-supplements-for-women

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Monday, March 26, 2012

The body's bacteria affect intestinal blood vessel formation

ScienceDaily (Mar. 25, 2012) ? Researchers at the Sahlgrenska Academy at the University of Gothenburg, Sweden, ?have discovered a previously unknown mechanism which helps intestinal bacteria to affect the formation of blood vessels. The results, which are presented in Nature, may provide future treatments of intestinal diseases and obesity.

There are ten times more bacteria in our intestines than cells in the human body. However, we know relatively little about how the normal gut microbiota functions and the resulting effects on our physiology.

Previously unknown mechanism

In a study of mice, researchers at the University of Gothenburg?s Sahlgrenska Academy have discovered a previously unknown mechanism by which gut microbiota influences intestinal physiology and blood vasculature remodelling. The results, which are published in the online version of the highly respected scientific journal Nature on 11 March, open up future opportunities to control the intestine?s absorption of nutrients, which in turn may be used to treat conditions such as intestinal diseases and obesity.

New blood vessels

The study focuses on villi, finger-like projections which are about one millimetre long, and which increase the surface area of the intestine and maximise its ability to absorb nutrients. In the presence of bacteria, these villi become shorter and wider, which means that new blood vessels must be formed. However, the process involved has previously been unclear.

"Zip code"?for protein signals

?Our study shows that signals from the normal gut microbiota that induces blood vessel formation in the small intestine? says researcher Fredrik B?ckhed, who led the study at the Sahlgrenska Academy. ?In simplified terms, the intestinal bacteria promote the mucosal cells in the intestine to attach a sugar molecule to a specific protein. The sugar molecule acts like a zip code moving it to the cell surface where it induces signaling.

?It will take time before the results can be applied in a clinical context and converted into new therapies. But our discovery is exciting, and is a result of fundamental basic research which teaches us a great deal about how we live in cooperation with the normal gut microobiota.?

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Story Source:

The above story is reprinted from materials provided by University of Gothenburg, via AlphaGalileo.

Note: Materials may be edited for content and length. For further information, please contact the source cited above.


Journal Reference:

  1. Christoph Reinhardt, Mattias Bergentall, Thomas U. Greiner, Florence Schaffner, Gunnel ?stergren-Lund?n, Lars C. Petersen, Wolfram Ruf, Fredrik B?ckhed. Tissue factor and PAR1 promote microbiota-induced intestinal vascular remodelling. Nature, 2012; DOI: 10.1038/nature10893

Note: If no author is given, the source is cited instead.

Disclaimer: This article is not intended to provide medical advice, diagnosis or treatment. Views expressed here do not necessarily reflect those of ScienceDaily or its staff.

Source: http://feeds.sciencedaily.com/~r/sciencedaily/~3/RB75G9DisIk/120325102609.htm

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Internet Online marketing Developments Business to business ...

Follow Me on Pinterest Massive Sales Results @ 1/2 the investment

I am aware you have include a lot of time, electricity and effort directly into creating after which building up your Internet business. It is now time for you to settle back and gain from your effort, and make your cash online. However, are you aware of the newest trends advertising? Remember, it is crucial to keep current with all the latest developments in the field, in order to gain a eager edge over your competition.

Because experts have analyzed, one of many important specifics to keep in mind is basically that you, and your company, need to generate and maintain a brandname identity, a new ?face? that would make you stand apart from other folks. You cannot connect with your consumer today, in case you are faceless, and when you do not have a hard and fast ?personality? that is evident on the Internet. Consequently, go ahead, create a face along with a personality that the customers will like and enjoy; this will go a long way toward ensuring success.

Another Website marketing trend is using ?widgets?. A new widget has been described as getting quite just like plug-ins or extension cables, and is a new chunk of rule that can be installed by an end user. You, as a business proprietor, can use any widget to be able to leverage items in such a way in which traffic to other sites gets up at your doorstep. Youtube is one company that has utilised widgets properly.

Content spreading is yet another development that can be used to your advantage in your affiliate marketing venture. You broadcast your articles, instead of basically putting your content online and dispersing word around. The user subscribes to the ?feed? along with access the knowledge they want by means of it. You?d be able to up-date information often on your site, so that your client gets merely the latest data whenever they logs within.

The ?pay for each call? is one of the hottest new trends today. A salesman will be alert to the fact that a trip is worth hundreds of times more than a ?click?, especially as this way your salesperson would be able to enjoy are living contact with the consumer, and build way up a long enduring relationship with him or her. One more similar Internet marketing trend belongs to the popular ?agent software.? This would help you look into through the morass regarding unwanted data that comes your way everyday, and would furthermore note your needs online and help you follow these people efficiently.

Gurus predict that will for your internet business, one essential development is always that social media development will arise from market products. Quite simply, Internet users will probably be promised more of interest for them, so that they could be immediately interested in your website. Search engine marketing, the latest approach to increasing the profits from your internet business, will expand its get to onto mobile phones and other nearby searches, which will be used to your current great advantage. When behavioral focusing on and increased e-mail targeting continue to rise in reputation, then there can be no ending you from gathering a solid and many profitable organization, using all these latest trends in Internet marketing.

Related posts:

Inbound marketing

Source: http://virtualblackswanmarketing.org/?p=10613

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Sunday, March 25, 2012

Restaurant: Bistro Union, London SW4

Bistro Union, London SW4

Bistro Union, London SW4: May well turn into a real boon for the neighbourhood, but it has yet to hit its stride. Photograph: Katherine Rose for the Guardian

The neighbourhood restaurant is a hard thing to master ? harder than it looks. Adam Byatt is a?talented chef who has been on something of a journey in that respect. He mastered it with his first restaurant, Thyme, a?serious eatery of about 10 years ago with one of the worst imaginable locations, on Clapham Park Road opposite the exit from Sainsbury's car park. He cooked multi-small-course menus at decent prices to happy locals, and was always busy. Then came a?mistake: Byatt relocated Thyme to Covent Garden. Same food, higher prices, no more regular and local customers; this turns out not to be a?formula for success. So he moved back to Clapham, to a restaurant by the common that, in its previous incarnation as The Polygon, was a strong candidate for the worst restaurant in London.

  1. Bistro Union
  2. 40 Abbeville Road,
  3. London
  4. SW4?6NG
  5. 020-7042?6400
  1. Open all week, lunch Mon-Sat, 11am-3pm, dinner Mon-Sat, 6-10.30pm, Sun brunch 11am-4pm. Three courses with wine and service, from ?40 a head.

I live nearby and used to give The Polygon a go at roughly one-year intervals. The last time we went, my wife took an 18-inch-long strand of hair out of her seared tuna. We looked over to the open-plan kitchen. There was a white rasta with 18-inch-long dreadlocks plating up food at the pass. We vowed never again. Then Byatt moved back to Clapham and The Polygon reopened as Trinity, and joy has been unconfined.

Byatt is still cooking at Trinity, but he has now opened Bistro Union on Abbeville Road, a different take on the local restaurant. Where Trinity has tablecloths and fairly formal service (though in a friendly and informal atmosphere), Bistro Union has zinc tables and bar snacks. Trinity's is the kind of food that could (and should) have a Michelin star; Bistro Union's is the kind where the question doesn't seem relevant ? it's a place you might go for a glass of wine and a pickled quail's egg, or pork scratchings, or a fish finger sandwich, or steak and chips. They do high tea, and they do a children's meal between 5pm and 6pm: I'll be interested to see if that catches on.

The chef at Bistro Union is Karl Goward, who was for some years head chef at Fergus Henderson's St John Bread & Wine in Spitalfields. That pedigree might lead you to expect an emphasis on British ingredients and recipes ? and you'd be right: that's exactly what they're doing here. The?menu is a long list of things that are fun to eat, from radishes with smoked cod's roe for ?3 to smoked sardines for ?1.50 to ham and eggs for ?6 and toad in the hole for ?11.

It sounds as if it should be perfect, for a neighbourhood place. It isn't yet, though, and I say that with some surprise, since Trinity is pretty much my favourite restaurant. The execution of the good ideas is competent, but not more than that. The toad in the hole, for instance, is a good quality Cumberland sausage set down on an agreeable batter in a?hot skillet; that's all fine, but then a small boat of gravy is poured over, which sizzles to dramatic effect, but makes the batter soggy. Guinea fowl Kiev is a nice idea, on the basis that anything Kiev is so uncool it's swung all the way back around to being cool again. But the dish arrives as a large, sausage-shaped thing in a heavy, breaded coating, and really is so weighty that it isn't all that great to eat. Baked aubergine is served with mint and a cow's curd that, thanks to its dressing, ends up too sweet, without the cooling, sour twist you want. Chips are strong on potato flavour but a tad dry and heavy.

Other dishes that have worked well: a rich, pretty and very satisfying fish pie; a dead simple but still lovely piece of bream, baked in paper and served with a fennel salad on the side (a trick there, since when you see bream and fennel on the menu, you assume they'll be cooked together); knickerbocker glory, the English apotheosis of jelly and ice-cream together, looks gorgeous and?ticks all its sweet boxes. If the pace of Bistro Union were to pick up?a little, and the kitchen does its best work more of the time, this place will be a?real boon for its neighbourhood, but it hasn't yet hit?its stride. I say again, the neighbourhood restaurant is hard.

? Bistro Union, 40 Abbeville Road, London SW4, 020-7042 6400. Open all week, lunch Mon-Sat, 11am-3pm, dinner Mon-Sat, 6-10.30pm, Sun brunch 11am-4pm. Three courses with wine and service, from ?40 a head.

Source: http://www.guardian.co.uk/lifeandstyle/2012/mar/23/bistro-union-london-sw4-restaurant

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Friday, March 23, 2012

Marie Cramer elected mayor of Macedon

Marie Cramer was elected mayor of the village of Macedon Tuesday, with 185 votes according to unofficial results from the Wayne County Board of Elections. Village Trustee David Kelly received 68 votes in the contested race.

Cramer takes office April 2, when the village will have a new mayor for the first time in 16 years. Mayor James Hoteling is stepping down after his long tenure as mayor and as a trustee before that.

Kelly is in the middle of his term as a trustee and will retain his seat on the Village Board.

Reached Tuesday evening after the polls closed at 9 p.m., Cramer said she is grateful for all the support and the people who came out to vote. ?Together we can make a difference,? she said.

Courtesy www.WaynePost.com

Source: http://waynecounty.whec.com/news/news/64803-marie-cramer-elected-mayor-macedon

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Obama says shooting death of Fla. teen a 'tragedy'

WASHINGTON (AP) ? President Barack Obama spoke in unusually personal terms Friday about the shooting death of an unarmed black teenager in Florida, a case that has roiled civil rights activists and a suburban Orlando community. "If I had a son, he'd look like Trayvon," Obama said, vowing to "get to the bottom of what happened."

Obama expressed sympathy for the parents of 17-year-old Trayvon Martin, who was shot on Feb. 26 in Sanford, Fla., a suburb of Orlando, by a neighborhood watch volunteer who said he was acting in self-defense.

"I can only imagine what these parents are going through, and when I think about this boy, I think about my own kids," Obama said, calling the case a "tragedy."

The nation's first black president aimed his message at Martin's parents, saying, "If I had a son, he'd look like Trayvon. I think they are right to expect that all of us as Americans take this with the seriousness that it deserves, and we're going to get to the bottom of what happened."

Obama said that "every parent in America should be able to understand why it is absolutely imperative that we investigate every aspect of this and everybody pulls together, federal state and local, to figure out exactly how this tragedy happened."

"What happened to Trayvon Martin is a tragedy. There needs to be a thorough investigation that reassures the public that justice is carried out with impartiality and integrity."

The Justice Department and FBI have opened a civil rights investigation, and a grand jury is considering whether to charge George Zimmerman, who acknowledged shooting the teen but said it was in self-defense. Martin's parents, civil rights activists and others who have rallied to the cause say they won't be satisfied until Zimmerman is arrested.

Police Chief Bill Lee stepped down temporarily this week to try to cool the building anger that his department had not arrested Zimmerman. Hours later, Gov. Rick Scott announced that the local state attorney, Norman Wolfinger, had recused himself from the case in hopes of "toning down the rhetoric" surrounding it.

Martin was returning from a trip to a convenience store when Zimmerman started following him, telling police dispatchers he looked suspicious. At some point, the two got into a fight, and Zimmerman pulled out his gun.

Zimmerman told police Martin attacked him after he had given up on chasing the teenager and was returning to his sport utility vehicle.

Obama cautioned before speaking that he must "be careful so we're not impairing any investigation." But he said he was glad the Justice Department was investigating and that Florida officials had formed the task force.

"I think all of us have to do some soul searching to figure out how did something like this happen, and that means we examine the laws and the context for what happened as well as the specifics of the incident," Obama said.

Obama brought his voice to an issue that is sensitive in Florida, a large and diverse state that plays an influential role in presidential elections. The Orlando area in central Florida is particularly important, acting as a bellwether for statewide elections.

Republican hopeful Mitt Romney weighed in after Obama spoke, saying, "What happened to Trayvon Martin is a tragedy. There needs to be a thorough investigation that reassures the public that justice is carried out with impartiality and integrity."

The case resonates with many black Americans, a key voting group during Obama's 2008 election, who see it as yet another example of bias toward blacks. Civil rights groups have held rallies in Florida and New York, saying the shooting was unjustified. Of Sanford's 53,000 residents, 57 percent are white and 30 percent are black.

Obama himself has tried to downplay race, as he did early in his term after the controversial arrest of Henry Louis Gates Jr., a black Harvard University professor, by a white police sergeant in Cambridge, Mass.

Gates was arrested in his own home after the police sergeant arrived to investigate a possible burglary. The charges were dropped, but Obama said the police had "acted stupidly," breathing life into a lingering debate. The president said later he should have expressed his concerns with different language and invited both Gates and Sgt. James Crowley to the White House for a beer.

Source: http://news.yahoo.com/obama-says-shooting-death-fla-teen-tragedy-143232421.html

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Thursday, March 22, 2012

Home buying much cheaper than renting - West Chester Real Estate ...

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Honolulu is the nation?s best market to be a renter rather than a buyer.

NEW YORK (CNNMoney) ? It?s the eternal question in real estate: Should I buy or rent?

The answer has never been clearer: Buy.

In 98 of the top 100 housing markets, buying a home is more affordable than renting, according to the online real estate company Trulia. Only Honolulu and San Francisco buck the trend.

There are several reasons. Home prices are falling. Mortgage interest rates are at historically low levels. And rents are on the rise.

Of course, many renters are not in a position to buy. For one, it?s hard to get a mortgage these days, despite low rates. And paying rent can push them further away from being able to afford to buy.

?Rising rents make it harder for people to save for a down payment, which is the biggest barrier to buying a home that aspiring homeowners face,? Jed Kolko, Trulia?s chief economist.

The nation?s cheapest buyer?s market is Detroit, where purchasing is only 3.7 times more expensive than renting.

Other top five metro areas where buying is much better than renting are Oklahoma City, Dayton, Ohio,Warren, Mich. and Toledo, Ohio.

Rankings like these, however, can obscure the factors that go into each decision.

Housing markets, even within a single metro area, typically have local submarkets. Take New York City, for example. Renting in Manhattan is more affordable than buying. But in suburban Westchester County just miles to the north, buying is the more affordable option.

The size of the home can also make a difference. In some markets, renting can be a better deal on larger homes, according to Trulia.

Readers on mortgage settlement: This stinks

In San Francisco, for example, studio and one-bedroom apartments sell for 13.1 times rent, while three bedrooms or larger sell for more than 18 times rent.

The Trulia survey does not take into account home price trends, which are another factor for individuals choosing whether to buy or rent.

?People will pay more for a home if they expect prices to rise and give them a better return on their investment,? said Kolko.

Those calculations are about to change, according to Ken H. Johnson, a professor of real estate at Florida International who has studied the buy-vs-rent question extensively. He believes home prices nationally have bottomed.

?The ship has turned,? he said. ?Markets should slowly start to recover. Housing will return to its traditional role of a safety investment.?

If so, that adds an incentive to buy. And investing in many of the most expensive markets may be even safer.

Foreclosures: A rising tide ahead

Kolko pointed out that places like Honolulu, San Francisco and Boston have strong long-term growth prospects. They also have little physical space to grow, a factor that tends to keep prices strong.

On the other hand, old areas that aren?t growing much ? while cheap ? may not return much in the long run.

?Buying is much cheaper than renting in slow-growing places with high vacancy rates and land to spare, like Detroit and Cleveland, where prices are unlikely to improve much in the future,? he said.?a1b37 bug Home buying much cheaper than renting

Article source: http://money.cnn.com/2012/03/21/real_estate/homes-buy-rent/?source=cnn_bin

Source: http://westchesterrealestateinformation.com/home-buying-much-cheaper-than-renting-3/

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Save on Family Plans for Summer Travel Insurance | Travel ...

It?s never too early to save money.? And booking travel insurance that will cover the entire family during your summer vacation is a good way to do it. Don?t overlook this option when comparing plans.? The savings can be substantial.

But make sure you know what you?re buying. Ask questions.? And for a special purchase like this, deal with a broker that specializes in travel insurance.? A lot of agents sell travel-related products but not all are experts in travel coverage.

Some family plan premiums are pegged to the age of the oldest traveller: multiply by two, and that covers your children as well.

Other plans will? provide a separate rate table for families, so make sure you ask to see one and compare that to paying individual rates for each traveller?you?ll see quite a difference. Also make sure that all the children you want covered are named on the plan. Discuss that point with your broker.

Most family rate plans are available to parents under age 55 or 60, and they cover dependent children.? But insurers define ?dependent? children differently so make sure you know who is covered before you buy any plan.? Some will define dependent children as all unmarried children up to age 21 residing in your household or up to 25 if they are full time students.

Some will also cover children of any age who have physical or mental impairments under their family plans.? Others will cover children who are financially dependent on their parents under family plans, but certain age limits still apply.

Each year there are more and more different plans designed for family groups so you need to shop around. Insurers are most anxious to tap into the youth market and breaking in via family plans is one way to do it.

Certainly you should not make the mistake of thinking travel insurance is only for snowbirds or mature travellers. Children, teens, and young adults make up the greatest segment of the future travel market, and they are not immune to the accidents and sudden illnesses that can plague any traveller.

Unfortunately, foreign hospitals have no kids? rates or holiday specials for teens.

All travel insurers advertising on this site meet Travelinsurancefile?s acceptability criteria for out-of-country health benefits for Canadian residents. All offer a range of products, including family plans. You can get all the details and even buy online.

Source: http://travelinsurancefile.com/headlines/save-on-family-plans-for-summer-travel-insurance/

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Wednesday, March 21, 2012

How to Make Your Very Own Internet Marketing Business ? web ...

It does not matter what kind of business you go into, there are some things that you cannot ignore. The same actions are involved when it comes to starting up an internet business or one that will conduct business offline. Basically, it is not that easy to start your own business. But, the good thing is that you will be very successful if you put in the hard work and effort. If you need help getting started on your Internet business, here are some details to consider. Makita LXT601 review

In order to save money, many new online marketers search the web for free templates they can use to build their first website. By all means, if you need a place holder for while you learn and build your business, go for it. As long as the design is nice and doesn?t look sloppy or amateurish, this is fine. But if you want to build your business for the long haul, at some point you should get a design of your own, so your site doesn?t look like many others. If your background includes graphics, you should take the time to design the site yourself. If you aren?t comfortable with graphics, and you can afford it, consider finding a web designer for your project. Many websites on the internet look similar to each other, and if you want to build a real business you want to separate yourself from all the others. A template that anyone can download, then, is not ideal.

How do you plan to expose your website to the public? Of course, your promotion must have many different viewpoints. Still, putting together a few things to focus on-especially in the beginning-can help you save time and money. SEO is one of the best tools to use in the beginning. Then you can use things like article marketing, blog commenting and other things. As time goes on, you will have many different ways of promoting your website. If you have something to your advantage in the very beginning, you can continue using it later as well. The Anything Goes Diet

Make sure your business registers with places like your local chamber of commerce, the BBB and other important business organizations. This helps you show that you are established and that you take your business seriously. If you are doing something wrong, these places will hold you accountable. By registering with other local credible business organizations, it also boosts your credibility. This is often hard to come by in the world of Internet marketing and online business sales. Even the smallest things can help you. Having the BBB seal on your website can make a huge difference.

When you start an internet business, you have to take plenty of things into consideration. This can be any decision from the type of marketing plan that you use to the actual business model. These are all important decisions. The things in this article are only a few of them. Don?t get overwhelmed. Make sure that you work hard and you will soon see the good results. Synergy Spanish review


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Source: http://www.thewebdesigndevelopmentcompany.com/?p=1150

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Mobile Home Kitchen Cabinets | Home Improvement Directory

Mobile Home Kitchen CabinetsMobile Home Kitchen Cabinets ? When we talk about home, we are often stuck with images of a house standing firm on land. Somehow, home should not always be like that. Some people have bungalows as their home. Some likes duplex, while some other like some other forms of housing. Many people can opt for apartment as their house. There are many different tastes of housing people choose.

Uniquely, there are also a few people who like to live in house that do not stick on one particular place. This kind of housing is often known as mobile home. Although it is uncommonly found, many people who are in a trip choose mobile home for staying. Of course, mobile home needs specific kinds of furniture, appliances, and other stuff, including mobile home kitchen cabinets.

Because mobile home is mobile, which means that it will move to some other places, then it is certainly needed for you to have furniture with good stability. This also applies for mobile home kitchen cabinets. Mobile home kitchen cabinets should be stable so that you can keep anything in them. Be sure that mobile home kitchen cabinets are not easy to break. You can wonder how chaotic it will be if you have mobile home kitchen cabinets that keep moving as long as the mobile home moves. Things can be easily damaged. Here, stability is the most important thing for mobile home kitchen cabinets. The doors of the mobile home kitchen cabinets should have a good locking system so that everything kept in them can be safe along the trip.

No, you cannot purchase mobile home kitchen cabinets. There are no specific mobile home kitchen cabinets, however. You just need kitchen cabinets with good locking mechanism for your mobile home kitchen cabinets. The design of mobile home kitchen cabinets is very similar with normal kitchen cabinets so you do not have to spend too much time finding specific design for your mobile home kitchen cabinets. Just remember that the design of your mobile home kitchen cabinets musts suit the entire interior of your mobile home very well. You can match the colors and the features with what you currently need. Sliding wooden doors are usually picked for kitchen cabinets because the doors would not fly open when your mobile home moves so that you will not be bothered with the doors. Features are the main things you have to consider for your mobile home kitchen cabinets, with regard to the movement of the mobile home.

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Mobile Home Kitchen Cabinets

Source: http://homeimprovement8.com/mobile-home-kitchen-cabinets/

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Tuesday, March 20, 2012

Photo Preview of Rizzoli's Rooftop Gardens Book | OEN

We are quickly amounting a great number of books here in the office, in fact we often joke at the need to open our doors up as a library. So today I thought I?d share something as a nod towards New York based publisher Rizzoli who are responsible for many books on our shelves. Leslie Williamson?s handcrafted modern is one of these, so with this delightful release as a reference I thought we could all take a look at their latest project which showcases some of the beautiful rooftop gardens that New York has to offer.

One thing I personally take for granted is the amount of wildlife that surrounds my home, our family garden backs onto a tree belt so I think if I was ever to live in a big city I?d have a real lust for a little greenery around me. I do love the energy that a larger city can bring though so something like this Japanese garden below would perhaps provide the ideal solution if I was ever to dwell in the big apple. The book itself has been put together by a team of five individuals, many of which base themselves in New York so this is a topic close to all of their hearts.

The great thing about this project is that if it wasn?t for these contributors the only other way anyone would see these beautiful gardens would be via helicopter which seems a terrible shame. Denise Calicchio, Roberta Amon, Norman McGrath, Evelyn Lauder and Dominique Browning provided some great connections between them that meant they were able to get the permissions they needed to snap these beautiful gardens.

Unfortunately this one isn?t gracing our shelf at the moment but I certainly think it would be at home with our other publications, so it could well make an appearance soon. If you?d like to learn a little more about the book I?d recommend heading over to it?s dedicated webpage which also shares information on where to buy for those interested.

www.rooftopgardensbook.com

Source: http://the189.com/photography/photo-preview-of-rizzolis-rooftop-gardens-book/

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Monday, March 19, 2012

Part Time Solutions ? Blog Archive ? Looking At Online Marketing ...

Part Time Solutions ? Blog Archive ? Looking At Online Marketing Tools And Businesss Blogging Today This entry was posted on Sunday, March 18th, 2012 at 12:41 am and is filed under Blogs, RSS and Podcasting. You can follow any responses to this entry through the RSS 2.0 feed. You can skip to the end and leave a response. Pinging is currently not allowed.

Source: http://www.parttimesolutions.com/blogs-rss-and-podcasting/looking-at-online-marketing-tools-and-businesss-blogging-today/

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Sunday, March 18, 2012

Become An Excel Consulting San Francisco Expert | Business ...

Anyone can become an Excel consulting San Francisco expert anywhere in the world. There is a lot of money and knowledge to gain as a consultant. All of the tools that are essential to learn about this software are free and available online. Searching on Google, going to the Microsoft site, or browsing through many videos will help people learn about the program quickly and effectively.

Anyone who wants to become a consultant, but does not want to go beyond the beginner level must determine their current skill level. They must figure out what they already know about the program before they advance. Then they must buy the newest version of the software for Windows or Mac. Some versions contain newer, more powerful features, but the bottom line is to buy the most recent addition.

A test is required to obtain a certificate which declares that a learner is a specialist. Microsoft hands out a certificate that allows anyone to become a Microsoft Office Specialist (MOS). This certificate states that the specialist knows to deal with worksheets, data, cells, formulas, and functions.

Regular people who want to become experts must build a very strong knowledge of the program. Consultants have to pass reputable tests in order to become certified software professionals. Microsoft allows people to become specialists and gives them certificates.

More businesses have to carry out their work tasks with the help of computers. As a result, more jobs will open up for software consultants. This worker installs, manages, and troubleshoots the computer applications that companies use to stay competitive in their industries.

Studying to work as an Excel Consulting San Francisco expert is worth the effort in the end, even if it is difficult and time-consuming at first. Many questions about the programs have been answered on online forums and sites. Training to be a consultant entails going into a field that has a high need for those services. excel consulting San Francisco

Stop by our site to find out more excel consulting San Francisco

Tags: applications, business, Business Financial Software, excel consulting San Francisco, finance, sales, software

Source: http://quatroplus.org/become-an-excel-consulting-san-francisco-expert/03/2012/

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LG Connect 4G (MetroPCS)


Hot on the heels of the LG Esteem ($319, 4 stars), LG has upped the ante even further with the Connect 4G. It's still pricey, at $319, and 4G LTE on MetroPCS doesn't equate to quite the same speeds you'll see on other LTE networks, but the LG Connect 4G still has plenty to offer. In fact, with its beautiful display, comfortable design, and fast dual-core processor, it's the best contract-free smartphone?available right now, and well worthy of our Editors' Choice award.

Design and Call Quality
The LG Connect 4G feels like it was designed for everyone who thought the LG Esteem was just too big. As far as smartphones (and my hands) are concerned, the Connect 4G feels just right. It measures 4.6 by 2.5 by .5 inches and weighs 4.8 ounces, which should fit into most palms and pockets perfectly. The Connect's 4-inch, 800-by-480-pixel NOVA capacitive touch display looks fantastic. It uses IPS LCD technology, much like the display on the iPhone 4S, though the Connect is even brighter. LG claims the phone is capable of 700 nits of brightness, while the iPhone?has been measured at 541 nits. The 4S is still sharper, but the Esteem looks plenty bright. Viewing angles are good, and with the brightness turned up, the Connect is more readable than most phones in sunlight.

Made of plastic with a textured, dark gray back panel, the Connect looks and feels like a quality device. The front is all glass, surrounded by a thin, shiny black plastic ring. Unfortunately, this phone lacks an HDMI out port, which would allow you to easily connect to a television or monitor like the LG Esteem can. But then again, the Connect is a heck of a lot smaller and more portable than the Esteem, so it feels like a fair trade.

The Connect works on MetroPCS's LTE network where it can find it, and on the much slower 2G CDMA network where it can't. MetroPCS has no 3G data network. There's also 802.11 b/g/n Wi-Fi, which connected to my WPA2-encrypted Wi-Fi network without a problem. Reception was fine, and call quality was average. Voices sound clear in the phone's earpiece, but thin and a touch robotic. Calls made with the Connect are also clear and feature decent noise cancellation, but voices can sound a touch grainy. Calls sounded fine through a?Jawbone Era?Bluetooth headset ($129, 4.5 stars) and voice dialing worked fine over Bluetooth without training. The speakerphone sounds fine, but it's just slightly too quiet to use outside. Battery life was average at 5 hours 11 minutes of talk time.

Data Plans and Apps
4G LTE on MetroPCS is not the same as 4G LTE on AT&T or Verizon. As we discovered in our?Fastest Mobile Networks?testing, MetroPCS is aiming to offer solid speeds at low prices, rather than spectacular speeds for a hefty premium. The carrier's average 4G speeds are more like a very good 3G network, though I pulled in higher speeds on the Connect than I have on any other MetroPCS device so far. Speeds averaged 4.5Mbps down and 4.2Mbps up on the Connect, which should be fast enough for most anyone.

MetroPCS's biggest selling point is its inexpensive monthly plans. For $60 per month, you get unlimited talk, text, and data, along with unlimited music from Rhapsody or video on demand from MetroStudio. A $50 plan gets you unlimited talk, text, and Web with 1GB of streaming data, while a new $40 plan offers unlimited talk, text, and Web with 100MB of streaming data.?

Source: http://feedproxy.google.com/~r/ziffdavis/pcmag/~3/1thf6o4J1jU/0,2817,2400542,00.asp

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Friday, March 16, 2012

Should You Acquire Loan From Finance institutions or From A Cash ...

Payday loan providers have usually been known as Inchesmum-and-crop up businessesInches. Honestly, that isn?t genuine. Nonetheless the fact remains that, mysteriously this connections is now strong based. In the end, mum-and-crop up businesses do not have the time to offer you personal loans to anybody. These are just mid-level sites that bring in causes the lenders to enable them to sell their finance blueprints. The firms generate a fee for doing this. When you investigate Web, if you are of which now. Shoppers usually can?t see a real difference, and in addition they find yourself shelling out considerably more than what they must.Massive core companies happen to be keeping yourself outside the pay day loan market with the stigma attached to this. Nonetheless, this really is now transforming quick. The core lending companies have right now made a decision they will may not have the funds for to keep away with the increasing $42 billion dollars pay day loan market. Well known companies as well as financial institutions are losing people to these payday companies for a short time now, as they quite simply unsecured personal loans can?t pay the cash so easily. Clients who need swift cash for unexpected expenses obviously choose these creditors, at the cost in the larger core http://article-promotion-course.com/ players.But this really is ready to alter now. Nowadays financial institutions have started supplying cash advance payday loans. You can get a cash advance from a standard bank or from several other standard bank. This indicates that, you can aquire the bucks you may need in as little as sixty minutes once you?ve finished creating you. The application producing begins quickly. You don?t have to meet anybody. No one must know that you like a lending product. You cannot find any credit check. Just entire you along with the cash will probably be there inside your standard bank inside of a couple or significantly less. You?ll should just be a person of the US, must be 18 yrs old.Nonetheless we assistance from choosing a bank loan from the standard bank, as is also not bendable. They have more rigid terms and conditions than just a standard pay day loan loan provider. When you standard they may quickly report to the major companies, but not offer you a different prospect.As a substitute you could from the loan provider who specializes in loans. You?ll be a lot better away. http://freepe-korg.net/ The loan terms and conditions will probably be straightforward, finito, no more headache along with the creditors provide you with enough time to commission the loan. If you have doubts with commission you could contact the loan originator and also a roll over, though financial institutions there are no option but to commission the loan or announce personal bankruptcy. Which do you choose?I?d like to be a son

Source: http://elsa-ankara.net/should-you-acquire-loan-from-finance-institutions-or-from-a-cash-payday-loan-company.html

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Code For America: Ruthie BenDor Shakes Up Business Permitting ...

Shortly after arriving in Santa Cruz, Calif., Ruthie BenDor decided to get a bicycle permit. It wasn't as easy as she might have hoped.

The permit, which costs $3, required a trip to the finance department at Santa Cruz city hall and filling out a form in triplicate. The finance department is only open four days a week from 9 a.m. to 5 p.m. -- hours that most people are at work.

BenDor was frustrated, but instead of being deterred, she started asking questions about why the city needed three identical forms and whether more people would ride bikes if the registration process was digitized.

As a Code For America employee, BenDor along with 25 other technologically inclined ?fellows? spread across eight U.S. cities, has been charged with ferreting out problems and inconveniences that could be improved with technology. Making it more convenient to get a bike permit is just one of the challenges BenDor has taken on.

Code For America is an organization that aims to connect technology professionals with city governments in order to tackle problems that overextended or understaffed civic IT departments have been unable to attend to. The organization was founded in 2009 by Jennifer Pahlka with the goal of increasing the transparency of city governments and helping residents become more involved. Once chosen, participants are sent to a city where they have one year to create an app or computer program that helps combat a specific problem.

In 2011, 19 fellows assigned to three cities created 21 apps. This year 26 fellows are working with eight cities: Austin, Texas; Chicago; Detroit; Honolulu; Macon, Ga.; New Orleans; Philadelphia; and Santa Cruz, Calif.

One example of a Code For America project was last year?s Adopt A Hydrant program, developed by fellow Erik Michaels-Ober. Designed to be used during Boston?s harsh winters, the map-based app allows residents to pledge to dig out one of the city?s more than 13,000 fire hydrants after snowstorms.

The technology has since been repurposed by several other cities including Honolulu where, according to BenDor, it's used to replace the batteries in tsunami detectors.

While all Code For America participants have experience working with computers, BenDor said the variety of experience people bring to the program is impressive. The fellows have backgrounds ranging from mapping and usability to graphic design, illustration and conceptual art.

"The breadth is pretty amazing," BenDor said. "It's really nice going to work everyday and realize you're in a room with 25 people who are smarter than you."

BenDor, who is 25, built her first website at age 10 and officially started her career in technology when she was hired by her high school to be the school's webmaster. She was still a student there at the time and can't remember how much she earned per hour, but clearly recalls her favorite perk: She was the only student allowed to park in the staff parking lot.

BenDor went on to study engineering at Boston University, but left after two years to work in IT for non-profits. While working for gay and lesbian advocacy group GLAD, BenDor heard about Code For America and was intrigued.

"I?m motivated to work for a mission, not for-profit necessarily," BenDor said.

BenDor was accepted to CFA and moved to San Francisco in January for training. In February, she headed 75 miles south to her assigned city of Santa Cruz, where she spent a month of "residency" learning all she could about how the city operates.

Santa Cruz, which is nestled on the northern edge of Monterey Bay, is a college town with just under 60,000 residents, according to the 2010 Census. It is the smallest city CFA had ever worked with.

Fellows have a say in where they are placed and BenDor chose Santa Cruz because the city had a well-defined problem and was ready to get started on the solution.

The issue Santa Cruz wanted help with was business permitting. According to the people BenDor spoke with, the permitting system was fragmented and confusing, requiring business owners to speak with people in a minimum of three different departments before getting a permit.

During her month in Santa Cruz, BenDor was tasked with talking to as many people as possible, both residents and members of the local government, to better understand what kind of app she and her team members might build.

In addition to BenDor, the Santa Cruz Code for America team includes Jim Craner, a developer, who, like BenDor, has worked with non-profits, and Tamara Shopsin, a designer and conceptual illustrator. Shopsin is working not only on the permitting project, but also on building a new map for the city hall campus, since people often get lost using the current one. While the business permitting project takes precedence, fellows are encouraged to keep their eyes open for other potential fixes, such as the city hall map or the bike permit project.

After the residency month, the team heads back to San Francisco to get started, with the hope of completing their projects by September to give the cities ample time to test them out before the team finishes its term in November. Since business permitting is obviously not unique to Santa Cruz, BenDor hopes the app will eventually be picked up by other cities.

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Source: http://www.huffingtonpost.com/2012/03/15/code-for-america-santa-cruz-ruthie-bendor-_n_1304244.html

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what is civic education ? aer you know any sits about civic education ...

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Source: http://childcare.wantsomefeedback.com/2012/03/15/what-is-civic-education-aer-you-know-any-sits-about-civic-education/

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Thursday, March 15, 2012

Mistakes people make while choosing the billiards tables ...

Billiards tables are now an integral part of recreational centers. It is important to avoid while purchasing Billiards tables Australia to enhance player experience.

Billiards tables are among the most sought after indoor entertainment accessories that are being purchased in large numbers. The growing popularity of this game in Australia has increased the demand for these tables in this part of the world. Though there are a number of options to choose from, most people make mistakes while buying them and end up losing money hand over fist. If you want to be assured of making the right choice, here are a few mistakes that you need to steer clear from.

One of the main mistakes people make while purchasing Billiards tables is not considering the level of the game of the players using it. There are various tables of people of varying skill levels. It is important to take this aspect into consideration while buying Billiards tables Australia. If you intend to buy these tables of use in school recreational centers, you can opt for the least priced options since they are ideal for learners. However, if you are looking for tables that professional players can use in clubs and other recreational centers, you will have to at least opt for the mid range pool tables is the custom tables are out of your reach.

Not working with a budget is another mistake that people make while purchasing Billiards tables. One of the main factors based on which the tables are categorized is the price. If you have a set budget in mind, then choosing the right table becomes easier and you can save significant amount of time.

Another common mistake that people commit while purchasing the Billiards tables is not considering the space constraints. There are Billiards tables Australia of varying sizes available to choose from based on the area available to place the tables. If you are purchasing the tables for clubs in Australia where space is not a constraint, you can purchase 9 feet long tables. However, for homes and other smaller recreational centers, 7 or 8 feet long tables are an ideal choice. More often than not, people end up buying 9 feet long tables for small rooms at homes which curbs the play area to a great extent and make the room look small. In addition to this, players will not have enough space to move around comfortable and take aim to complete the game. In order to prevent all these concerns, it is imperative to choose the Billiards tables with the right dimensions.

Overlooking the types of materials that are used to make the Billiards tables Australia is also a major mistake that many people end up committing. For example, most customers who purchase Billiards tables do not realize that the playing surface needs to be made using slate for better playing experience. Instead they end up purchasing tables that have wooden playing surfaces. These surfaces are not even and make spoil the overall game. The type of wood used to make the tables should also be of good quality so the tables last for long without falling prey to wear and tear.

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Source: http://www.beneficialfunction.com/mistakes-people-choosing-billiards-tables/

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Citi disappointment on Fed test raises questions

FILE - In this Jan. 6, 2012 file photo, a Citibank customer makes a transaction at an ATM, in New York. Analysts expected Citigroup to pass the Federal Reserve's so-called stress test easily. But in a shock to Wall Street, the Fed ruled that Citi, alone among the biggest American banks, does not have enough capital to raise its stock dividend and still withstand a financial crisis worse than 2008. (AP Photo/Mark Lennihan, File)

FILE - In this Jan. 6, 2012 file photo, a Citibank customer makes a transaction at an ATM, in New York. Analysts expected Citigroup to pass the Federal Reserve's so-called stress test easily. But in a shock to Wall Street, the Fed ruled that Citi, alone among the biggest American banks, does not have enough capital to raise its stock dividend and still withstand a financial crisis worse than 2008. (AP Photo/Mark Lennihan, File)

(AP) ? Everyone expected Citigroup to pass the Federal Reserve's latest stress test easily.

It had just posted two years of profits, and CEO Vikram Pandit said as recently as March 7 that he was "confident" about rewarding shareholders with more dividends. Pandit himself was handsomely rewarded with a $14.8 million pay package last year.

But in a shock to Wall Street, Citigroup failed the stress test, the Federal Reserve's annual checkup for banks. The Fed said Citi, unlike any of its peers, does not have enough capital to raise its stock dividend and still withstand a financial crisis worse than 2008.

Analysts were left wondering Wednesday what lies inside of Citi's loan portfolios and whether the nation's third-largest bank had fully recovered from the meltdown three and a half years ago.

"I was very surprised," says Jason Goldberg, a bank analyst at the brokerage Barclays Capital, who had expected Citi to increase its quarterly dividend to 10 cents per share from 1 cent. "The Fed gets to see much more financial data than any of us and has taken a much harsher view of Citi's loan portfolio."

The test put banks through a hypothetical nightmare ? stock prices dropping by half, home prices falling 21 percent from today's levels and an unemployment rate of 13 percent, far higher than today's 8.3 percent.

The banks had to submit plans in January to prove their balance sheets were strong enough to handle the scenario and say how they planned to use excess capital to pay dividends to shareholders or buy back their own stock.

The results were mostly positive. Only four of 19 banks failed the test, and none of the 19 was ordered to raise money. In 2009, the first time the Fed conducted the checkup, 10 banks were ordered to raise money.

Besides Citi, the Fed rejected the plans of Ally Financial, MetLife and SunTrust Banks. The central bank said those four financial institutions fell below regulatory minimum levels for capital. All four must resubmit their plans.

Citi, the third-largest U.S. bank by assets, objected to any characterization that it had failed the test. It said it had enough capital to withstand the Fed's crisis scenario, just not enough to do that and raise the dividend at the same time.

"The Federal Reserve's objection to our capital plan does not equate with 'failing' the stress test," said Edward Skyler, a spokesman for the bank.

Matt McCormick, a portfolio manager and banking analyst at Bahl & Gaynor Investment Counsel, said it was clear the Fed didn't endorse Citi's plan. Citi stock fell 3.4 percent Wednesday, more than its peers.

More detailed numbers in the Fed results concerned analysts even more. Among the 19 banks, Citi was deemed vulnerable to the deepest losses from its loan portfolios.

Even though Citi isn't the largest credit card lender, its losses from credit cards would be $27 billion in the test scenario. Rivals with much bigger credit card portfolios came out with lower losses? $14.5 billion for Bank of America and $21.3 billion for JPMorgan Chase.

JPMorgan bank analyst Vivek Juneja downgraded Citigroup's stock, saying that having failed the stress test "hurts management credibility." Juneja said it makes Citigroup look like an "outlier" among major banks.

Other banks that passed the stress test announced late Tuesday that they would raise dividends and buy back stock. Both steps put cash in shareholders' pockets and give them a bigger share of profits.

Wondering what's in Citi's loan portfolio brings back uncomfortable memories for analysts who cover banks. From mid-2007 through early 2009, including the financial crisis, Citigroup stock lost more than 90 percent of its value as investors tried to figure out how toxic Citi's assets were. Most of those were Citi's investments in complex securities that were based on the real estate market.

The bank got two federal bailouts totaling $45 billion, and guarantees worth hundreds of billions more. It posted $40 billion in losses in 2008 and 2009 combined. For a time, it was part-owned by the U.S. government, and it was the last major bank to repay the bailout money, at the end of 2010.

Citi said it will submit a revised capital plan later this year, as required by the Fed.

At least one shareholder was hoping that Citi would still include a plan to raise the dividend or buy back stock.

"Citi should just tweak its plan and ask to return less capital this year," said Anton Schutz, president of Mendon Capital Advisors Corp in Rochester, N.Y., which owns Citigroup shares.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/f70471f764144b2fab526d39972d37b3/Article_2012-03-14-Citigroup-Still%20Stressed/id-0f4627644f324d858bcd539d2220e6a8

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Wednesday, March 14, 2012

nateog: No more excuses! Google and Intel help small businesses get online http://t.co/ndqKbwXv via @LATimesTech

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Source: http://twitter.com/nateog/statuses/179384433521082368

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