Thursday, September 29, 2011

What security+ certificate

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By: Ackewoy Wdofeyry

A neutral governing physique affords certification after satisfactory settlement of the security+ exam is satisfied. In addressing network issues, CompTIA security validates the skills and abilities of IT individuals so as for them to become promoted to the adhering to degree. The exam coded sy0-201 is really a vital phase in career advancement for IT specialists.

CompTIA Safety+ is definitely an integral component of the Laptop computer Technology Trade Affiliation (CompTIA) testing program which certifies IT experts as professionals within their chosen topic involving laptop networking. The development in data know-how paves approach to larger possibilities for candidates to launch their IT careers in path with the best. Taking the sy0-201 test will give these people the opportunity to showcase what they??ve discovered associated with about network technology. The check sets the scale from one hundred to 900 with a passing mark of 750. Even though safety is the primary subject, the examination tackles all concerning the CompTIA network+ certification. It contains a hundred questions and need to be answered inside ninety minutes.

The safety+ examination is really an essential step in direction of the productive IT profession. With the world acquiring more compact simply because with the development in technologies, the necessity to shield all communications can be a should. Diverse softwares and hardwares have already been utilized to permit everyone and every business inside the planet to obtain connected through the internet. The infinite and open-ended superhighway of the World Wide Net supplies the globe complete freedom in accessing info and information. Due to this technological atmosphere that runs on and on, the hazard of utilizing the out there lines as resources for dangerous actions presents a difficult challenge for technical professionals to think about. Expertise not merely lies amongst these that work for that nice of the web. Expertise also applies to the hackers or even the counterproductive parts around the net.

Like a neutral team whose concentrate is to guard community environments, CompTIA security+ assesses specific individual performance in meeting the standards of the networking method. An huge database of info is becoming shared by numerous a huge number of consumers throughout the globe. Placing the traffic of this info beneath control is a tough aspect to do. There is a require for IT professionals to handle this type of problem. Certifications on CompTIA security+ is being introduced as really essential measure in assembly the difficulties of generating networks a secure software for communication transmission. The sharing of information is defined from the presence of network processes and procedures. Except these networks are guarded, the destruction with the online environment will most likely be imminent.

To just take the examination coded sy0-201 implies that an IT expert is ready to go towards the subsequent level. Nevertheless, so that you can accomplish that, checks involving idea familiarity and technical knowledge desires to become settled satisfactorily. The safety+ examination covers working methods that incorporate menace prevention, operational compliance and neighborhood security. Networking will not be restricted to only defending the instruments and implies of sharing information. It in addition entails utility and host security. It covers as nicely all accessibility manage and identification administration. The safety+ examination prepares folks to deal with community infiltrations. CompTIA security+ offers a wide area of duty as a result of it isn't connected with any IT organizations within the globe. Examine code sy0-201 is applicable to people connected with every the Apple and Microsoft Firms. Its neutral situation enables it to operate on each sides.

The operational self-discipline of CompTIA safety+ is beneficial for networking experts who are keen in enhancing and enhancing their data and technical skills. CompTIA teaches people to anticipate or to sight prematurely any aggressive or predatory strikes a network penetrator will do towards the program. CompTIA security+ is an instructional method. It sees to it the many years of knowledge with the candidates shall be additional enhanced and developed.

Author Resource:->??comptia security+ training is accessible accepted and is advised to adapt the apprentice for the acceptance exam. There is a accepted misconception, however, apropos Security+ certification Acceptance training. Abounding ambitious techs appearance it as a basal training advance for beginners to the IA technology field.

Article From Article Point

Source: http://www.article-point.com/Art/58840/25/What-security-certificate.html

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Jackson's voice echoes through Los Angeles court

Conrad Murray listens to the prosecution's opening arguments in his involuntary manslaughter trial at Superior Court, Tuesday, Sept. 27, 2011 in Los Angeles. Murray has pleaded not guilty and faces four years in prison and the loss of his medical license if convicted of involuntary manslaughter in Michael Jackson's death. (AP Photo/Al Seib, Pool)

Conrad Murray listens to the prosecution's opening arguments in his involuntary manslaughter trial at Superior Court, Tuesday, Sept. 27, 2011 in Los Angeles. Murray has pleaded not guilty and faces four years in prison and the loss of his medical license if convicted of involuntary manslaughter in Michael Jackson's death. (AP Photo/Al Seib, Pool)

Prosecution exhibit is projected on the screen that shows the body of Michael Jackson during the Conrad Murray involuntary manslaughter trial at Superior Court, Tuesday, Sept. 27, 2011 in Los Angeles. Murray has pleaded not guilty and faces four years in prison and the loss of his medical license if convicted of involuntary manslaughter in Michael Jackson's death. (AP Photo/Al Seib, Pool)

Deputy District Attorney David Walgren shows a monitoring device to the jury during the prosecution's opening arguments in the involuntary manslaughter trial of Conrad Murray at Superior Court, Tuesday, Sept. 27, 2011 in Los Angeles. Murray has pleaded not guilty and faces four years in prison and the loss of his medical license if convicted of involuntary manslaughter in Michael Jackson's death. (AP Photo/Al Seib, Pool)

Judge Michael E. Pastor gestures at the start of the Conrad Murray involuntary manslaughter trial at Superior Court, Tuesday, Sept. 27, 2011 in Los Angeles. Murray has pleaded not guilty and faces four years in prison and the loss of his medical license if convicted of involuntary manslaughter in Michael Jackson's death. (AP Photo/Al Seib, Pool)

Michael Jackson fan April Smith, left, of Sun Valley, Calif. stands outside court for the trial of Conrad Murray, Michael Jackson's doctor who has been charged with involuntary manslaughter in the pop icon's death, in Los Angeles, Tuesday, Sept. 27, 2011. Murray has pleaded not guilty and faces four years in prison and the loss of his medical license if convicted of involuntary manslaughter. (AP Photo/Jason Redmond)

(AP) ? First, prosecutors showed a photo of Michael Jackson's pale and lifeless body lying on a gurney. Then, they played a recording of his voice, just weeks before his death.

Slow and slurred, his words echoed Tuesday through a Los Angeles courtroom at the start of the trial of the doctor accused of killing him. As a worldwide audience watched on TV and Jackson's family looked on from inside the courtroom, a drugged Jackson said:

"We have to be phenomenal. When people leave this show, when people leave my show, I want them to say, 'I've never seen nothing like this in my life. Go. Go. I've never seen nothing like this. Go. It's amazing. He's the greatest entertainer in the world.'"

Prosecutors played the audio for the first time during opening statements as they portrayed Dr. Conrad Murray, 58, as an incompetent physician who used a dangerous anesthetic without adequate safeguards and whose neglect left the superstar abandoned as he lay dying.

Defense attorneys countered that Jackson caused his own death by taking a drug dose, including propofol, after Murray left the room.

Nothing the cardiologist could have done would have saved the King of Pop, defense attorney Ed Chernoff told jurors, because Jackson was desperate to regain his fame and needed rest to prepare for a series of crucial comeback concerts.

A number of Jackson's family members were in the courthouse, including his father Joseph, mother Katherine, sisters LaToya and Janet, and brothers Jermaine, Randy and Tito. LaToya Jackson carried a sunflower, her brother's favorite flower.

The family's most emotional moment came when the prosecutor played a video excerpt from Jackson's "This Is It" rehearsal in which he sang "Earth Song," a plea for better treatment of the environment.

As Jackson sang the words, "I used to dream. I used to glance beyond the stars," his mother, Katherine, dabbed at her eyes with a tissue.

Prosecutor David Walgren noted it was Jackson's last performance.

Murray, who arrived at court holding hands with his mother, has pleaded not guilty to involuntary manslaughter. If convicted, he could face up to four years in prison and the loss of his medical license.

Speaking for more than an hour, Walgren relied on photos and audio recordings to paint Murray as an inept and reckless caretaker.

Walgren showed a photo of a lifeless Jackson on a hospital gurney. He juxtaposed the image with those of Jackson performing. Walgren also played the recording of Jackson speaking to Murray while, the prosecutor said, the singer was under the influence of an unknown substance roughly six weeks before his death.

Jackson trusted Murray as his physician, and "that misplaced trust in Conrad Murray cost Michael Jackson his life," Walgren said.

The recurring theme was Jackson's never-ending quest for sleep and propofol, the potion he called his "milk" and that he believed was the answer. Jurors were told that it was a powerful anesthetic, not a sleep aid, and the prosecutor said Murray severely misused it.

The prosecutor said while working for Jackson, the doctor was shipped more than four gallons of the anesthetic, which is normally given in hospital settings.

Chernoff, the defense attorney, claimed the singer swallowed several pills of the sedative lorazepam on the morning of his death and that was enough to put six people to sleep. After taking propofol, Jackson did not even have a chance to close his eyes, Chernoff said.

Chernoff, who had long hinted that the defense would blame Jackson for his own death, added a surprise. He claimed that Jackson died not because his doctor continued to give him the drug but because he stopped it, forcing Jackson to take extreme measures.

"What we will hear is that Dr. Murray provided propofol for two months to Michael Jackson for sleep," Chernoff said. "During those two months, Michael Jackson slept. He woke up and he lived his life.

"The evidence will not show you that Michael Jackson died because Dr. Murray gave him propofol. The evidence is going to show you Michael Jackson died when Dr. Murray stopped," the attorney said.

He said Murray was trying to wean Jackson off of propofol and had been giving him other sleep aids known as benzodiazepines trying to lull him to sleep.

On June 25, 2009, the last day of Jackson's life, Chernoff said, he was in the third day of a weaning process and it didn't work.

"Michael Jackson started begging. He couldn't understand why he wasn't sleeping.... When Michael Jackson told Dr. Murray 'I have to sleep. They will cancel my performance,' he meant it," Chernoff said.

Murray, in a recording of his interview with police detectives, acknowledged that he relented and agreed to give Jackson a small dose of propofol.

Walgren said Murray's claim that he gave the singer a minuscule dosage, enough to keep him asleep perhaps five minutes, was not true. He also accused Murray of deception when he hid from paramedics and hospital emergency staff that he had given Jackson propofol. He said they were desperately trying to revive him but didn't know about the drug.

He returned repeatedly to the fee Murray was to be paid ? $150,000 a month ? and pointed out that he first had asked for $5 million.

"There was no doctor-patient relationship," Walgren said. "... What existed here was an employer-employee relationship. He was not working for the health of Michael Jackson. Dr. Murray was working for a fee of $150,000."

Chernoff countered with a description of Murray's history of treating indigent patients for free. At times during the defense attorney's opening statements, Murray appeared to be crying and wiped his eyes with a tissue.

Jackson's family members appeared pained as Walgren described the singer as a vulnerable figure, left alone with drugs coursing through his body.

"It violates not only the standard of care but the decency of one human being to another," he said. "Dr. Murray abandoned Michael when he needed help."

Following opening statements, Jackson's choreographer and friend, Kenny Ortega, testified that Jackson was in bad shape physically and mentally less than a week before his death.

He said he sent a message to Randy Phillips, producer of the "This Is It" concert, telling him that Jackson was ill, probably should have a psychological evaluation and was not ready to perform.

"It's important for everyone to know he really wants this," he wrote. "It would shatter him, break his heart if we pulled the plug. He's terribly frightened it's all going to go away."

In response to the email, Ortega said, a meeting was called at Jackson's house where Ortega clashed with Murray, who told him to stop playing amateur psychiatrist and doctor.

"He said Michael was physically and emotionally capable of handling all his responsibilities for the show,'" said Ortega, "I was shocked. Michael didn't seem to be physically or emotionally stable."

Within a few days, he said, Jackson had recouped his energy and was full of enthusiasm for the show.

During the defense opening statement, Chernoff referred to Dr. Arnold Klein, Jackson's dermatologist, who the judge decided will not testify.

The attorney tried to blame Klein for some of Jackson's woes, saying Klein gave Jackson the painkiller Demerol and he became addicted to it.

He told jurors that Klein would not be testifying but his records would be available and an addiction specialist would testify that one of the side effects of Demerol withdrawal is trouble sleeping. Chernoff said Murray was unaware of a Demerol shot administered to Jackson on June 16 and thus didn't realize there could be a fatal interaction with propofol.

Klein's attorney, Garo Ghazarian, later in the day issued a statement calling the allegations preposterous and "merely an attempt to whitewash the facts surrounding the death of ... Michael Jackson while under the management of Dr. Conrad Murray."

He noted there were no traces of Demerol in Jackson's autopsy or in his home, indicating he was not addicted. He also said Klein's use of the drug was not excessive. He noted that Klein was cleared by authorities of any wrongdoing in Jackson's death.

___

Anthony McCartney can be reached at http://twitter.com/mccartneyAP

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/4e67281c3f754d0696fbfdee0f3f1469/Article_2011-09-27-Michael%20Jackson-Doctor/id-2421fbfb3476432db2a24042706dcef1

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Wednesday, September 28, 2011

The Many Types Of Car Leasing To Pick From For Companies ...

Businesses are offered a few different types of car lease. The first thing to do is understand the car lease. The biggest part of a lease car is depreciation. This is the basis for the lease. The depreciation defines the amount of monthly payments. The amount the value of the vehicle is reduced over the lease period is the depreciation.

Here are some interesting facts about depreciation. If the car depreciates quickly, the payments will be much higher. This is great for the company that is the lessor. If a car depreciates slowly, the payments are much lower. This is beneficial for the business that is the lessee. When the economy fluctuates, the depreciation of the vehicle will too. The make, model, and year also cause the depreciation to vary. Another factor is that depreciation is generally more rapid at the beginning of the car?s life. Usually, it evens out after that. Businesses usually use open-end leases. An open-end lease means if the vehicle depreciates more than anticipated, the business must pay an additional fee. A closed-end lease means at lease end the customer can simply walk away. This is whether the vehicle has depreciated more or less than expected. This type of lease is not generally offered to businesses. If a leasing company does offer a closed-end lease to businesses, it should be looked into.

Business contract hire is one type of lease businesses is offered. This type of car leasing is very common. This type of contract lasts 12 to 60 months. The contract details are designed to fit business needs. Contract hire leases are available with or without a maintenance agreement. There are several advantages to this contract. This will not appear on the balance sheet. It has fixed interest rates. The depreciation risk is nonexistent. This responsibility lies with the leasing company.

Another type of lease is a lease purchase. A lease purchase has some advantages and disadvantages. This type of car leasing has a smaller deposit. Also, the monthly payments are usually less. Instead, the company may put these funds back into the business. One of the disadvantages comes at the end of the contract. A large balloon payment is due at the end of the contract. It is very important to ensure the business will have these funds available at that time. The anticipated future value of the car is the payment due at lease end. The vehicle will then belong to the lessee. If the vehicle is used for business purposes only, it may reclaim the VAT.

An additional type of lease available is a finance lease. A tax efficient option for businesses is a finance lease. The company that is the lessor retains ownership of the vehicle. The balance sheet does show this type of lease. Interest rates and monthly payments are generally fixed. The significant factor of car and leasing options is to fully understand the choices that are available. The information will determine what the best choice for the business is. A second important factor is to completely understand the lease before signing it. Otherwise, the business can get into financial trouble. The purpose for leasing vehicles is to help the business grow.

To lease car go to Leasing Options. Leasing Options expertise in Audi lease.

Source: http://www.weight-watchers-uk.org.uk/2011/09/the-many-types-of-car-leasing-to-pick-from-for-companies/

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What we lost in the wildfires (Offthekuff)

Share With Friends: Share on FacebookTweet ThisPost to Google-BuzzSend on GmailPost to Linked-InSubscribe to This Feed | Rss To Twitter | Politics - Top Stories News, RSS and RSS Feed via Feedzilla.

Source: http://news.feedzilla.com/en_us/stories/politics/top-stories/139639240?client_source=feed&format=rss

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Tuesday, September 27, 2011

Affiliate Internet Marketing MLM ... - Online Internet Marketing SEO


MLMGlobalWealth.com ? Affiliate Internet Marketing MLM Success. Yes, it?s possible to have affiliate Internet marketing MLM success, but not by telling your prospects how great your business is. Instead, if you focus on branding who you are, you?ll find that you?ll attract great prospects who want to know you and join you in your network marketing business. Teach others by providing valuable content for free. Give away success secrets and your affiliate Internet marketing MLM success will grow. http

Source: http://www.onlineinternetmarketingseo.com/?p=341

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Saturday, September 24, 2011

Athletic Scholarships ? felasofi.net

Athletic Scholarships

Students who master sports such as baseball, basketball, football, soccer, gymnastics, rowing, athletics, track and field events, swimming, or golf often attend college on an athletic scholarship.

One can get a full or partial athletic scholarship provided you have good grades, appropriate ACT or SAT scores, and also the discipline and talent that each dedicated sports person needs.

The initial step is to find out which colleges or universities offer academic programs of your interest, along with possibilities to excel in sports. You should educate yourself while playing sports. Weigh carefully the pros and cons of attending a NCAA division 1 college against a smaller college. Often you will be able to excel at the smaller college while in a large institution you may you need to be a pebble within the ocean.

Playing sports at college is not the same as playing in school or in a local community. Find out from your local coach what your location is athletically and whether you are good enough to aim for college sports. The factors considered are: academics, sports competitions took part in at high school, playing abilities and victories, and also the maturity level of the student.

In athletics, scholarships are offered in two ways, the first through formalized applications and also the second at the recommendations of scouts who represent colleges and travel everywhere evaluating players in various sports and seeking the gemsplayers with star qualities.

To succeed you need to start early, inside your sophomore year. Ensure that you keep the grades up, as there are academic requirements to be met. Create a folder of your athletic achievements. Find out from your coach which athletic programs would fit your talents or prowess. Do your research well and select schools that offer a great balance between sports and academics. Consult a career guidance professional; this will give you an idea of what subjects to review to qualify yourself at something apart from sports. You must contact the coaches at colleges you?re applying to, stating your keen curiosity about their programs. Make sure to showcase your academic and athletic achievements, and also to mention that you are seeking scholarships /financial aid. It?s advantageous if you submit applications to the colleges where you plan to contact the coach, because this indicates you are a serious candidate.

Colleges and universities enroll great athletes by offering scholarships. If you handle the school applications in a sensible and disciplined way you can enroll at some of the best colleges with a full scholarship.

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Source: http://www.felasofi.net/2011/09/23/athletic-scholarships/

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Going to the Dentist Is Very Important to Your Overall Health ...

Dentistry is the practice of oral care. A dentist is one who has been specially trained in oral health and services. This training happens in a special two-year dental school where a hopeful dentist will learn about care services and all there is to know about dentistry. Pediatric dentistry is oral care practiced on children.

Dental care is probably one of the most important health services that one can receive because dental health is so integrally tied to overall health. it seems improbable, but teeth that are improperly taken care of can cause lots of health problems in other parts of the body. That?s one of the reasons why so many people go to a Dentist for dental care. Good oral hygiene will help your health and reduce your dependence on medicine services and cancer services. So keep those pearly whites pearly with proper oral care and keep your health.

Some people are afraid of going to the dentist, which makes sense. Nobody really likes their dentist: they?re a necessary evil. Besides I have a simple trick for avoiding your West Jordan dentist that?s very easy to follow and is practically guaranteed to work. Take oral health seriously, brush your teeth twice a day, and floss once a day. Your visits to the dentist thereafter will be flooded with congratulations and high fives. Who wouldn?t want dental services that end without a drill in your teeth.

Besides, think of how your dentist must feel. Being a dentist is probably fine the majority of the time, but every now and then the health of some patients must need some crazy dentistry done. It would be miserable to sit over a nasty mouth that hasn?t been brushed for God knows how long and try to give them the proper services. Of course, your West Jordan family dentist sure gets paid enough and pretty much gets to take as much vacation when he or she wants, but can you imagine the countless days of thankless and painful dental care? Or the years of that drill screaming in your ears.

If I were a West Jordan family dentist I would do my best to provide services that prevent the decay of oral health in my patients. I would practice dentistry with an eye towards prevention and education so that patients would understand how to best avoid dental visits. Simple things like avoiding sugary and acidic foods are things that lots of people don?t know about oral health

There are some neat discoveries that may actually drills a thing of the past very soon. It would be neat to see oral care at dental offices be composed of pastes that help teeth heal themselves rather than drills and caps. Dental services could be a thing that everyone looks forward to having and trip to dentist being as scary as non-medicine services. Dentistry would be changed forever and dentists would be heroes for providing services that increase oral health and dental care to new levels of acceptance.

Going to the Dentist Is Important to Your Overall Health

dentist in West Jordan Dental School

Source: http://articlesgripping.com/health-fitness/going-to-the-dentist-is-very-important-to-your-overall-health

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Friday, September 23, 2011

Pick Up Artist, the Best-Named Cargo Bike Ever

You’d be forgiven for thinking that the best thing about Soma’s new cargo bike was its name: the Pick Up Artist. But even with such an awesome moniker, the bike itself is even better.
Like other cargo bikes, the Pick Up Artist has a long wheelbase for stability. Unlike other cargo bikes, it achieves this length [...]

Source: http://feedproxy.google.com/~r/GearFactor/~3/Iedtcu0I60s/

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HR Vendor News ? HRAnswerLink Tackles Top Five Compliance ...

September 21, 2011 No comments | Back To Home

PLEASANTON, Calif./Sept. 21, 2011 ? HRAnswerLink, the premier provider of on-demand human resource compliance to over 44,000 small and mid-sized businesses nationwide, will host the webinar ?The Five Compliance Areas Every Small and Mid-sized Business Must Get Right? from 10 to 11 a.m. Pacific time on Tuesday, October 4.

Thirty-four percent of small business owners have had a lawsuit filed against themselves or their company in the past 10 years. A seemingly insignificant I-9 error can result in a fine of up to $1,100 and the risk of jail time. HR is fraught with compliance landmines that could financially devastate a small or mid-sized company. The webinar will address the critical compliance areas of employment terminations, disability accommodations, reporting and record-keeping requirements, recent OSHA efforts, and current Department of Labor priorities and how companies can protect themselves by protecting their employees.

Steven Yee, SPHR, vice-president of HR operations for HRAnswerLink, will present the webinar. With over 14 years in the field of human resources, Steven has worked for major organizations in various industries, including Kaiser Permanente, Monster Worldwide, and Time-Warner. Currently, in his role at HRAnswerLink, he oversees the company?s web-based HR content and consulting services. With experience in diverse HR business disciplines, he particularly enjoys deciphering the complexities of employment laws and taking a consultative approach to help small to mid-sized companies successfully align their HR needs with their strategic business goals.

?The government doesn?t take ignorance or staffing restrictions into account when handing out fines,? said Yee. ?Small and mid-sized companies must get compliance issues right, and right from the start.?

Registration for this complimentary event can be found at https://www1.gotomeeting.com/register/162973641.

About HRAnswerLink
HRAnswerLink is the premier provider of Web-based human resource products and services. They allow small and mid-sized business to utilize and resell branded services and products once only available to Fortune 500 companies. Based in Pleasanton, California, with offices in Oregon and Kentucky, HRAnswerLink services affiliates and end-users throughout the United States. More information on HRAnswerLink can be found at www.hranswerlink.com or by calling 877.882.2237.

Media Contact:

Heath Davis Havlick
Fisher Vista Marketing Group
831-685-9700
e-mail protected from spam bots

###

This press release was distributed through PR Web by Human Resources Marketer (HR Marketer: www.HRmarketer.com) on behalf of the company listed above.

Tags: HRAnswerLink

This entry was posted on Wednesday, September 21st, 2011 at 12:00 am and is filed under Compliance, General HR. You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response, or trackback from your own site.

You may also click here to return to the main news page.

Source: http://www.hrvendornews.com/?p=3161

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Thursday, September 22, 2011

'Girl With The Dragon Tattoo' Trailer: Four Minutes With Lisbeth Salander

The previously released "Girl with the Dragon Tattoo" trailer remains one of the most memorable bits of movie marketing this year, teasing the arrival of the feel-bad movie of the holiday season. But if you thought that trailer was cool, just wait ? you haven't seen anything yet.


A brand new "Dragon Tattoo" trailer has arrived [...]

Source: http://moviesblog.mtv.com/2011/09/22/the-girl-with-the-dragon-tattoo-trailer/

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Wednesday, September 21, 2011

US Hispanic Chamber of Commerce presentation on Real Time ...

This weekend I had the opportunity to speak at the US Hispanic Chamber of Commerce Annual Meeting in Miami through the Mendoza College of Business Non-Profit MBA Executive Programs.

My presentation/workshop was an 8-hour affair.? A long day for sure.? But I was highly encouraged by how engaged the presidents, CEOs and board members were in my presentation.

Three years ago when I gave social media presentations, most executives would roll their eyes and think that I was just there to sell them the latest and greatest shiny new object without any hope of a real return on investment.

Now that social media (real time communications is a much better term to me) has more than just captured attention of the nation and business, they were very interested in how real time communications could help them grow their membership.

I?ve never in my life put together a bigger deck (146 slides) but you know you need something big if you are going to talk for 8 hours.? So view at your own risk.

The first part of the presentation was all about combining the real executive with the digital executive ? the blending of your personal and professional lives (like we have a separation any more) and how they as executives needed to lead the charge instead of the social media intern they had hired for Facebook status updates.? I spoke of their digital footprint and how to view it, measure it and keep track of it.

The second half of the presentation was focused on their business and how the digital footprint of their business was built in the same way as their personal brand ? because the two were tied together closely.

Here are the links to the communication strategy, the creative brief template, time tracking, editorial calendar and Social Media and Digital Media Document with all the links I mentioned in the class. There were a lot of them.

Again, I can?t tell you how excited I was that they didn?t fight against the concept.? Not like how people did three years ago, when I was basically presenting this same type of material.

Again, I want to thank the US Hispanic Chamber of Commerce, all their wonderful members that attended the session, and the Mendoza College of Business Non-Profit MBA Executive Programs (special thanks to Marc Hardy and Bill Brennan) for the opportunity to meet, share what I know and make some new friends.

Oh, and it was awesome that it was in Miami.? Definitely going to visit that city again.? Great time.

Source: http://blogs.nd.edu/donschindler/2011/09/19/us-hispanic-chamber-of-commerce-presentation-on-real-time-communications/

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Atrinsic launches Kazaa app for iPad, shares soar (Reuters)

(Reuters) ? Atrinsic Inc said the streaming application for its popular Kazaa digital music service is now available for download through Apple Inc's app store, sending its shares up 67 percent in heavy volumes.

The Kazaa music app would be available for free download on Apple's best-selling iPhone and iPad products, New York-based Atrinsic said in a statement.

"Kazaa mobile will be available on more and more devices in the future," the company said.

In March, Atrinsic said Kazaa, an on-demand streaming music service that it acquired last year, could be accessed without an application -- a move that would help it skirt Apple's plans to take a slice of its revenue from online subscriptions through the App Store.

Atrinsic shares were up 46 percent at $3.29 on Tuesday on Nasdaq. They touched a high of $3.75, earlier in the session.

(Reporting by Saqib Iqbal Ahmed in Bangalore; Editing by Viraj Nair)

Source: http://us.rd.yahoo.com/dailynews/rss/applecomputer/*http%3A//news.yahoo.com/s/nm/20110920/wr_nm/us_atrinsic

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Tuesday, September 20, 2011

Self Improvement Is The Way To Happiness | Knowledge Base

Self-improvement is a means by which a person strives to improve its performance in various activities. Self-improvement helps the person to use their powers to achieve positive results. Through the practice of self-improvement a person can do their homework on time and failure. No matter what people face challenges in the different phases of life, a self-improvement plan to meet the challenges of a person to deal with full confidence. A person is capable of more control and benefit your life in many ways instead.

A person must have a program of improvement, which consists of basic skills to improve their quality of life. A breeding program is one person, and means of how life works. It also builds self-esteem, dignity and general mental discipline in a person. Here you will find more meaning and purpose in their lives, according to a program improvement.

A self-improvement shows the true power of the individual and teaches him to use his powers in a positive way for their training. A program of self-improvement helps people with new challenges and new every day to cope with and exploit new opportunities. It helps to fulfill their duties towards themselves and society. It helps you should have the purpose of life, for every person in the world, meaning in life.

Reading a self-improvement inspiration to many through his lectures every day. Thousands of people worldwide buy books and subscribe to newsletters for self improvement. The books are written by professionals and is in chapters, which are read every day split. Each chapter has a different way to achieve effective personal development. It is also possible to understand the importance of self-awareness, to read books. Self-awareness of personal and spiritual growth. To know with the help of a program to improve the situation, what we want in life and how we can fulfill our desires.

Improvement Programme, which we break our limited ability to think. They help us see the big picture of life and make us prosper in life, change our behavior in various situations that we encounter in life. Self-improvement is not something to read or play once. In fact, there is an ongoing process to be followed for life. We can conclude, that is for self-determination programs to improve over the course of our lives described in many ways beneficial.

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Source: http://blog.numsai.com/self-improvement-is-the-way-to-happiness/

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Unsecured loans for tenant: hassle free finance for non homeowners

Unsecured loans for tenant: hassle free finance for non homeowners

Article by Richard Shepherd

No doubt that owning an asset like home, can ease up various problems but not everyone can mange to own a home for various reasons. In finance market, owning a property is considered as an additional qualification for availing any financial service therefore, homeowners get preference. For people, who do not possess a home property, arrangement of a loan can be quite hassle some, as most of the loan schemes demand home property as collateral. However, with changing market trends and expansion of finance market, banks and financial institutions have started launching schemes for non homeowners. These sachems are tailored by keeping various requirements of a tenant in mind, so that tenants may also get suitable financial assistance. Usually, borrowers prefer to use their home equity for availing any loan sachems, as it enhances their financial benefits by reducing the interest rate and other security charges. It is quite natural tendency that people prefer to use their home equity for availing any loan scheme but in case the borrower does not have home property to keep as collateral, unsecured loans for tenant can be used for getting the desired benefits. These loans can really help a tenant in getting unbiased financial assistance to deal with various financial problems.

If lack of home property is creating obstacles in your financial life, then unsecured loans for tenant can be used for getting better financial advantages. These loans can open a world of opportunities for you and can make you feel financially secure in each and every condition. With these loans, you can be rest assured that you have a ready to use solution for dealing with any unplanned financial crisis. With unsecured loans for tenant, every borrower can utilize the privilege of being a tenant and can get unbiased financial assistance anytime.

Now every tenant can also experience financial freedom, as unsecured loans for tenant are there to sort out every financial problem. These loans can also be used for meeting any unplanned financial requirements, as these loans offer faster approval in comparison to any other loan scheme. All private tenants, council tenants and people, who are residing with their parents, can apply for these loans. However, there is a certain eligibility criterion that needs to be fulfilled by the applicant. As per the basic eligibility criterion the borrower must be at least 18 years old and should possess a running bank account with a steady source of income.

Unsecured loans for tenant are also available for bad credit borrowers. If you are a bad credit borrower and want to avail any of the unsecured tenant loans, then it is always better to avail these loans through any online loan provider firm, as such firms are capable of taking out the most beneficial loan deal from the marketplace. Selecting a loan provider firm can be a hassle some task but with online search, this can be made simple and less time consuming. Therefore, don not let any financial requirement bother you anymore and arrange the suitable finance with these loans.

Richard Shephard is a financial expert who offers expert advise on Unsecured loans for tenant and various other Tenant loans. To know more about Tenant loans,loan for tenant with bad credit,car loan for tenant,Unsecured loans for tenant and any other products, you can visit www.tenantloansforuk.co.uk

Source: http://www.loannojob.com/unsecured-loans-for-tenant-hassle-free-finance-for-non-homeowners/

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Monday, September 19, 2011

Video product creation can take your online business to the next ...

This composition is regarding "Video product creation can take your online business to the next level". It's only at this time that people are beginning to recognize regarding Product Creation, discussing it on much bigger level. Earlier this area under discussion was not that talked about. Chiefly since people associated with the subject matter did not do enough. Experts recommend that if the subject matter is crucial to you then you got to study it with complete awareness and not scan over the text.

This and many additional articles here are written by Abraham David. If you want to take this article please make sure you put a link back to this page. Article on "Video product creation can take your online business to the next level" starts after this.

Article Starts from Here:

2007 is starting to look like the year of the vlogs. An explosion in Internet video is taking place, and in large part it?s an explosion based on video blogs. A massive online industry is gearing up around video sharing sites like YouTube and Internet video platforms like Brightcove.com. Television is moving online, and Internet TV may soon replace your favorite TV programs.

If you?re an independent producer of video content or an Internet marketer interested in learning how to take advantage of the revolution in Internet video technologies, a good site to visit is Rocketboom (www.rocketboom.com). This site is marvelous in its simplicity; it has already grown into one of the most popular sites on the Internet. Rocketboom focuses on what?s happening in the world of Internet news and technology. Its content is presented in a light and highly entertaining format.

The quality and simplicity of Rocketboom illustrates how fast the revolution in Internet technology is transforming delivery systems. Licensing and distribution costs used to require an investment of millions of dollars to get a broadcast TV channel on the air. Rocketboom is created with a consumer-level video camera, a notebook computer, and a simple set. It looks and feels like a commercial TV broadcast, but it has no budget for advertising. The videos are produced on simple sets, but the content is as smooth and as professional as anything broadcast on television. The cost of storage and bandwidth space on the Internet is so cheap today that a video channel like Rocketboom can be launched with virtually no investment at all.

Like most popular video sites on the Internet, Rocketboom is distributed through a technology called Real Simple Syndication, or ?RSS.? This technology lets viewers subscribe to your channel and receive alerts every time you make a new video product available on your site. And like so many other new technologies that are connecting people on the Internet, RSS is a free service.

Paid downloads of your video products is only one of the many revenue streams that can be generated for online video content. When your audience grows and you have the demographics to show advertisers, you will start to see what a powerful force video is for driving your business. Offering both free and subscription services is a good way to build a large community of users around your video products.

Before we pick up again with the article allow me disclose that anything in this write-up on "Video product creation can take your online business to the next level"is my opinion, please carry out your exploration before taking any action. Please ask a specialist of the applicable field. OvalEgg.com is not responsible for any damages of any kind that may arise from applying information contained in this article.

If you aren?t creating video products for both free distribution and sale on the Internet, you aren?t reaping the full benefits of connecting your business to the Worldwide Web. You may be impressed with how Internet has become a great tool for gathering and transmitting information, but creating video content for a potential audience of millions on the Internet is the best way to take your business to the next level.

Check out Rocketboom and then come back to this article. When you do, I think you?ll be ready to create your first great video product for sale on the Internet.

Thanks for reading this write-up. If you are planning to take this piece of writing for your use in any way, please link back to this page. I hope you loved what I wrote on "Video product creation can take your online business to the next level". I would be happy to know what you think concerning it, negative or optimistic. Please put down a comment below and show me you are alive.

Article Source with Title: Video product creation can take your online business to the next level
Article Source URL: http://ovalegg.com/internet-and-businesses-online/product-creation/video-product-creation-can-take-your-online-business-to-the-next-level

Source: http://ovalegg.com/internet-and-businesses-online/product-creation/video-product-creation-can-take-your-online-business-to-the-next-level

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Saturday, September 17, 2011

Delivering Value in an Online Business | Business Ideas & Business ...

You?ll find more than 5 billion web pages with millions of businesses trying to perform business online. But only a few have succeeded while the rest are mere billboards online superhighway.

These few have succeeded in overcoming the value hurdles by regular innovation.

Constant and never ending innovation is the key to creating value operational more so when your business is totally web based and online. Why is it more important in than traditional local businesses?

Let us look at a few key components of value design in traditional vs. online business

Traditional organization has one major advantage. It is the ability to communicate one to a single and personally with the customer. While communicating directly with the customer by the sales person, the owner or the resource person, the personality of anybody is added to the overall value of the goods or services.

A NEW smile, witty presentation, on the spot analysis of the need and matching the product or service benefits to the need of the customer, a feel for the product and services enhances the significance of the product for the customer.

has very little scope to provide value by physical presence either of the product or the person endorsing it. To make up for the personal charisma and interaction, online business content should be highly conversational, witty with personalized writing styles or audio/video to get a similar effect and results.

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Traditional business is able to receive the attention of the customer by projecting a vision of the technology as well as possibilities through personal contact. Even a moderate technical improvement is made additional visible to visiting customers

is heavily dependent on technology. But technology contains the disadvantage of becoming a commodity as everyone catches up and the difference vanishes. Enhancing value through technology requires constant innovation to stay ahead in the pack. Technology as a commodity may be overcome only though a man face. You may have the ability through autoresponders to send thousands of emails instantly but few online businesses can write an intelligent, witty, one to one particular personalized communication to effectively leverage the autoresponder..

While internet is often a huge repository of knowledge and could act as the major tool pertaining to value enhancement, the volume of information or knowledge available can also turn into its major disadvantage. Everyone online knows that there is a huge volume of knowledge that one has to assimilate quickly. The person therefore scans the knowledge online mechanically and quickly, not comprehending fully the information he is scanning for the monitor screen.

Another disadvantage is knowledge cannot be applied selectively to the net customer. All knowledge can be made available online but it is the discretion in the customer to recognize, choose and use it for value enhancement. Therefore it is just a highly perishable commodity online achieving very fast obsolescence.

Offline business has the luxury of communicating knowledge and information in a form that is relevant. The availability and entry to knowledge, though limited, is used selectively and tailored to customer requirement.

Change and innovation are better perceived offline in actual situations than online. Any innovation or change takes time and effort for the online businesses to reach to the customer in spite of technology as customers may choose not visit the web pages or emails may be filtered out.

A change from a staircase with an escalator, automatic doors, a facelift to a building or storefront, a better billing system are common far more appreciated than online innovations.

An online business has to constantly innovate regarding sticky online content to keep the customers coming back. The web content should be designed and written very intelligently to achieve the same impact as a fairly easy handshake in offline business.

Source: http://www.adjunctwork.com/2011/09/delivering-value-in-an-online-business/

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Physical Therapy for Back Pain ... - Health Fitness Training

Physical Therapy for Back Pain: Understanding Your Options in Jacksonville FL

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Source: http://www.healthfitnesstraining.org/physical-therapy-for-back-pain-understanding-your-options-in-jacksonville-fl.html

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Friday, September 16, 2011

HBT: Ozzie gives himself a 'Z' grade

Asked by CSN Chicago?s Chuck Garfien what kind of grade he deserves for the season, White Sox manager Ozzie Guillen responded, ?Z for Zorro. I don?t think I did a good job.?

That?s probably overly harsh, given that he?s pretty much had his hands tied with having to play three of the game?s worst regulars for most of the season: Adam Dunn, Alex Rios and Brent Morel.? OK, maybe he didn?t have to play Morel, but alternatives like Mark Teahen and Omar Vizquel didn?t really have anything more to offer.

Plus, the one area in which a manager really can make a difference is in his bullpen usage, and after a rough start, Guillen has done a great job mixing and matching Sergio Santos, Chris Sale, Jesse Crain and Matt Thornton.? He definitely deserves some points for that, so I?d at least give him a solid??H.?

Source: http://hardballtalk.nbcsports.com/2011/09/13/ozzie-guillen-gives-himself-a-z/related/

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Thursday, September 15, 2011

Las Vegas flights and other extreme sports ? villarrealsports.com

Article by John Ewing

number of extreme sports in Las Vegas including flights exploded in recent years. They offer until all of the standard extreme sports, skateboarding, BMX biking, running and flying, they also have the opportunity to offer great sports like rock climbing, also because of the nature of the area.

An extreme sport in Las Vegas is skateboarding. There are many skate parks in the area of ??sports enthusiasts to enjoy. Some of the parks are still open to other sports like BMX biking and roller blading. In addition, several parks offer lessons to novice skateboarders that will help students to learn the sport effectively and be safe while playing.

Another way to experience extreme sports in Las Vegas is cycling in their canyons. Several companies offer RedRockCanyon as cyclists bike tour through one of the most beautiful locations in the U.S.. Most of the companies include all of the equipment needed for travel as the bike, safety equipment, and water. While the trails are very, very rough ride is exciting.

Extreme Sports in Las Vegas includes some awesome rock climbing trips. Canyons in this area are amazing. Thirty minutes of madness at the bar with its overload society features are rock climbing areas that are unimaginably beautiful. Climbers can experience only nature hikes or rough climbs that are difficult for even experienced climbers.

If climbing in the heat of the desert is not for you, you can also try the extreme sport of indoor rock climbing. There are few places in the city that offer rock walls. It is a great way to try rock climbing before reaching the more difficult things like the canyons outside the city.

Another version of extreme sports Las Vegas is fly . There are many companies in the city that offer serious lessons and one day deals like Tandem jumping . This gives people at all levels a chance to experience this extreme sport, and the City of Light. Also, can experience indoor flying with the help of one of the few wind tunnels in the city. Nevada is a great place for a number of different activities. Las Vegas skydiving is becoming one of the mostpopular our other extreme sports. About the Author John Ewing

contributes adding articles and reviews about http://www.skydiving- parachuting-guide.com . Free online magazine that carries articles flying equipment, and guide for the best drop zones, including New York and Las Vegas

Related articles extreme sports

Source: http://www.villarrealsports.com/las-vegas-flights-and-other-extreme-sports/

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HTC announces the Sensation XE with Beats Audio

HTC Sensation XE

Take the excellent HTC Sensation, toss in the newly acquired Beats Audio, and you've got the HTC Sensation XE. Coming to Europe, the Middle East, Africa and Asia later this month, it's pretty much the same Sensation we fell in love with -- 1.5GHz dual-core processor, Android 2.3, 8MP camera, and so on -- with the Beats Audio processing, and Beats by Dr. Dre headphones thrown in with an attached remote control.

No doubt we'll be seeing this here in the states at some point, too. At least we hope.

Full presser's after the break.

More: HTC Sensation XE with Beats Audio

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Source: http://feedproxy.google.com/~r/androidcentral/~3/t-Mc64HObhY/htc-announces-sensation-xe-beats-audio

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Wednesday, September 14, 2011

Evolution of Archery Over the Years | AutoRoll - Recreation and Sports

[unable to retrieve full-text content]The origin of the word Archery is the Latin word arcos meaning bow or arc. Curiously enough, arcos also means rainbow.According to resources, the use of bows.

Source: http://recreationandsports.therefinedgeek.com.au/index.php/2011/09/evolution-of-archery-over-the-years/

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'Bachelor Pad' leads ABC to win, Lady Gaga boosts CW (Reuters)

NEW YORK (TheWrap.com) ? ABC won the night Monday on the strength of the "Bachelor Pad" finale, while NBC suffered the ignominy of the lowest-rated "Miss Universe" pageant telecast ever, according to preliminary numbers.

The CW, meanwhile, scored with a Lady Gaga special, though its ratings trailed those of the other networks.

"Bachelor Pad: The Final Challenge" at 8 p.m. scored a 2.2/6 rating in the cherished 18-49 demographic, and 7.4 million total viewers. The show revealed the final four competitors for the "Bachelor Pad" finale from 9-11 p.m., which scored a 2.3/6 and 6.9 million viewers. "The Final Challenge" was the third-highest-rated show of the night, while the finale was second.

Fox's "Hell's Kitchen" at 9 was first, barely. It scored a 2.4/6 and 5.8 million total viewers. (Fox aired a "Hell's Kitchen" repeat at 8.)

NBC's "Miss Universe" pageant from 9-11 was fourth, with a 1.6/4 and 5.2 million total viewers. It was down 16 percent from last year's pageant, and the lowest-rated "Miss Universe." The show followed an "America's Got Talent' rerun at 8.

CBS ran reruns all night, but scored a 1.3/4 and 4.6 million total viewers for an overrun of the U.S. Open.

After a slow summer, the CW had its most-watched hour in nearly four months with the interview special "Gaga by Gaultier." At 8, it had a .6/2 and 1.4 million total viewers, the most since the season finale of "Supernatural" on May 20. From 8-8:30, which was split between the special and a preview of the network's fall slate, it had a .5/1 and 1.2 million. The conclusion of the preview at 9:30 had a .3/1 and 712,000 total viewers.

Source: http://us.rd.yahoo.com/dailynews/rss/tv/*http%3A//news.yahoo.com/s/nm/20110913/tv_nm/us_ratings

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Tuesday, September 13, 2011

Arctic Sea Ice Hits Record Low, According to One Measure (LiveScience.com)

One of the harbingers of global climate change ? the extent of the Arctic sea ice ? has passed a new threshold. German researchers announced on Sept. 8 that the sea-ice cover had shrunk below its record minimum, set in 2007.

Or has it? Elsewhere, researchers said the race remained too close to call.

"The present year and 2007 are tracking very closely by anybody's measure," said Ted Scambos, senior research scientist at the National Snow and Ice Data Center at the University of Colorda, which also tracks the extent of Arctic sea ice. [Album: Glaciers Before & After Climate Change]

The NSIDC proclaimed the record low on Sept. 16, 2007, when it measured the extent of the ice at 1.59 million square miles (4.13 million square kilometers), about 1 million square miles (2.69 million square kilometers) below the average for 1979 to 2000. NSIDC scientists said the 2007 record was the result of a perfect storm ? including fewer clouds that allowed sunlight to melt the ice, and winds that shoved the ice together ? that brought the ice to a new minimum. While temperatures were warm this year, other conditions were more typical.

"The main message is not so much whether or not we set a record, but this year, without any noticeably unusual pattern of weather, we nearly broke a record, which only four years ago took a very unusual weather pattern plus a warming Arctic to achieve," Scambos said.

This is evidence that Arctic ice is continuing to thin and the Arctic is continuing to warm, he said.

Sea ice and climate change

Unlike the Antarctic, there is no continent atop the northern Arctic, which remains at least somewhat ice covered year-round. This ice cover expands during the winter, hitting its greatest seasonal extent in March, then waning after summer's warmth and hitting its lowest extent in September.

A consistent record of its extent, based on measurements taken from sensors on satellites, began in 1979.

Recent years have brought record lows to the September minimum, and the March maximum has declined as well. Scientists blame a combination of natural variation and human-caused climate change.

Sea ice should have ups and downs brought on by natural forces ? like the extreme wind and cloud conditions that helped bring ice to a new low in 2007 ? but these natural causes should, in theory, balance themselves out over time, according to Walt Meier, a research scientist at NSIDC.?

However, our emission of greenhouse gases, which keep energy within the Earth's atmosphere, rather than allowing it to escape into space, alters the long-term trend, Meier said.

"With greenhouse gases we have loaded the dice, what used to be a warm summer that would happen only once is now becoming normal, an average summer. And we are seeing that what used to be a cold summer doesn?t really happen anymore," he said.

Although data on it are difficult to collect, scientists believe that the thickness of Arctic ice is an important indicator of melt. It appears older, thicker ice is disappearing, leaving thinner ice that is more susceptible to melt, according to Meier. The older, thicker ice cover has continued to decrease since 2007, he said.

The implications are numerous. Receding sea-ice cover can disrupt indigenous people's way of life and threaten animals like polar bears and walruses. The loss of the "refrigerator" on top of the world can alter weather patterns elsewhere in the world. And once ice is lost it becomes more difficult to replace because light can then reach the ocean, which absorbs it and warms. [The World's Weirdest Weather]

Different data

Both the NSIDC and the researchers from the University of Bremen in Germany use data collected by sensors on satellites that pick up on microwave radiation emanating from the Earth; however, the Bremen group uses a sensor that can detect ice cover at a higher resolution, Scambos said.

While NSIDC sensors can look at ice cover in areas of about 15.6 miles (25 kilometers) across, the sensor used by researchers at Bremen can see areas about 3.9 miles (6.25 km) across, and this allows them to draw a more detailed map that takes into account holes in the ice and ragged edges, Scambos said.

"It's a mixed bag," Scambos said. "In some ways it makes it more accurate, because they can see these relatively small holes in the ice, but they are also more susceptible to melting and storm effects" ? meaning Bremen's sensor data can be altered by melting snow or water on top of ice or by storms, he said. "None of them are perfect (but) we all show the broader picture very clearly."

NSIDC's continuous measurements go back to 1979, longer than the data collected from sensors the German group is using, according to Scambos. When determining if a record has been set, it is important to use the longest-running, validated records, he said. [Arctic Sea Ice at Lowest Point in Millennia]

You can follow LiveScience writer Wynne Parry on Twitter @Wynne_Parry.?Follow LiveScience for the latest in science news and discoveries on Twitter @livescience?and on Facebook.

Source: http://us.rd.yahoo.com/dailynews/rss/environment/*http%3A//news.yahoo.com/s/livescience/20110913/sc_livescience/arcticseaicehitsrecordlowaccordingtoonemeasure

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Monday, September 12, 2011

UK proposal to split retail, investment banking (AP)

LONDON ? Major British banks should ring fence investment banking operations from mainstream activities by 2019 to reduce the risks of taxpayers having to bear the cost of any future bailouts, a government-appointed commission recommended on Monday.

The long-awaited reported from the Independent Commission on Banking estimated its proposals would cost the banks up to 7 billion pounds ($11 billion) a year.

Shares in the major banks opened lower, with Barclays down 4.3 percent, Royal Bank of Scotland down 3.8 percent, Lloyds Banking Group 3.3 percent and HSBC 0.8 percent.

The report, which broadly echoed the proposals in an interim assessment in April, also endorsed the sale of 632 branches by Lloyds Banking Group, but did not, as some expected, call for the divestiture of even more branches.

Treasury chief George Osborne planned a statement in parliament Monday afternoon to respond to the report.

"With the exception of Standard Chartered, the implications of the ICB report are negative to long-term return on equity prospects for all of the U.K. banks," with Barclays and RBS to be most affected, said Gary Greenwood, analyst at Shore Capital.

The recommendations are intended to avoid a repetition of the credit crisis in 2008 when the British government bought up large chunks of the country's banking system after it ran into major financial difficulties. The British taxpayer now owns mortgage lenders Northern Rock and Bradford & Bingley, 83 percent of Royal Bank of Scotland and 41 percent of Lloyd's Banking Group.

"The risks inevitably associated with banking have to sit somewhere, and it should not be with taxpayers," said the commission, chaired by Sir John Vickers, a former chief economist of the Bank of England.

Vickers added that in future, banks need much more equity capital, and that their debt "must be capable of absorbing losses on failure, while ordinary depositors are protected."

The commission said retail banks should be "legally, economically and operationally separate" from the parent companies, and should have "distinct governance arrangements, and should have different cultures."

The British Bankers' Association, the industry's main lobby group, said the planned reforms "need to be carefully analyzed and compared with those agreed internationally."

In particular, it said an assessment of the reforms on the economy, the recovery and banks' ability to support their customers needs to be made.

The report recommended that U.K.-based "systemically important banks" should be required to have a loss-absorbing cushion of at least 17 percent of risk-weighted assets in their retail operations ? the ordinary banking functions of current accounts and lending. Lower capital requirements would be set for smaller banks.

The Basel III agreement calls for banks to hold equity capital equal to at least 7 percent of risk-weighted assets.

Ian Gordon, analyst at Evolution Securities, called the commission's recommendations "unwelcome and unhelpful, but it could easily have been a whole lot worse."

Gordon noted that the commission would give banks flexibility in deciding whether corporate banking services should be inside or outside the ring fence. The 2019 implementation date, he added, "allows banks some planning time to mitigate the likely adverse impact."

The commission ruled out a total separation of retail banking from wholesale and investment banking, in part because of the greater expense, and the potential difficulties of enforcing the changes under European law.

Though the report conceded that the complete separation "would remove a channel of contagion risk from investment banking to retail banking (and vice versa)," it said it "would preclude support for troubled retail banks from elsewhere in banking groups."

David Fleming, national officer for the Unite union, said the 2019 target date will "bring immediate uncertainty to workers across the sector, while the greedy bankers find ways to maneuver around, and lobby against, these reforms."

Source: http://us.rd.yahoo.com/dailynews/rss/europe/*http%3A//news.yahoo.com/s/ap/20110912/ap_on_bi_ge/eu_britain_banks

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