Monday, 31 December 2012

Asian nations giving enthusiastic welcome to 2013

CANBERRA, Australia (AP) ? Fiscal cliff? Recession? Not in Asia, where the first countries to see 2013 are enthusiastically welcoming the new year.

Increasingly democratic Myanmar is having a public countdown for the first time. Jakarta plans a huge street party befitting Indonesia's powering economy.

In Sydney, eager revelers camped Sunday night on the shores of the harbor to get the best vantage points as 1.5 million were expected to gather to watch the fireworks show centered on the Sydney Harbor Bridge.

The shores were packed when an eight-minute preliminary show for young children exploded over the harbor three hours before the main event in Sydney and as the clock struck midnight in Samoa and other South Pacific islands to the east, ushering in the new year there.

In Hong Kong, this year's 12.5 million Hong Kong dollar ($1.6 million) fireworks display is billed by organizers as the biggest ever in the southern Chinese city. Police expected as many as 100,000 people to watch, local news reports said.

The buoyant economies of the Asia-Pacific are prepared to party with renewed optimism despite the so-called fiscal cliff threatening to reverberate globally from the United States and the tattered economies of Europe.

Celebrations were planned around the world, with hundreds of thousands expected to fill Times Square in New York City to watch the drop of a Waterford crystal-studded ball.

One day after dancing in the snow to celebrate the first anniversary of leader Kim Jong Un's ascension to supreme commander, North Koreans were preparing to mark the arrival of the new year, marked as "Juche 102" on North Korean calendars. Juche means self-reliance, the North Korean ideology of independence promoted by national founder Kim Il Sung, who was born 102 years ago. His grandson now rules North Korea.

In New Delhi, the festive mood was marred by the death Saturday of a young rape victim.

Hotels, clubs and residents' associations in the Indian capital decided to cancel planned festivities and asked people to light candles to express their solidarity with the victim whose plight sparked public rallies for women's safety.

"Let there be no New Year celebrations across the country. It will be a major tribute to the departed soul," said Praveen Khandelwal, secretary-general of the Confederation of All India Traders, an umbrella group of operators of shops and businesses across the country.

In a field in Myanmar's largest city, Yangon, workers were testing a giant digital countdown screen with the backdrop of the revered Shwedagon pagoda.

Arranged by local Forever Media group and Index Creative Village, a Thai event organizer, the celebration is the first public New Year countdown in Myanmar, a country ruled for almost five decades by military regimes that discouraged or banned big public gatherings.

"We are planning this public New Year event because we want residents of Yangon to enjoy the public countdown like in other countries," said Win Thura Hlaing, managing director of Forever Blossom company, a subsidiary of Forever Media.

With live music performances by celebrities, light shows, food stalls, fireworks and other activities, the countdown is expected to draw 50,000 people, Win Thura Hlaing said.

Jakarta's street party centers on a 7-kilometer (4-mile) main thoroughfare closed to all traffic from nightfall until after midnight. Workers erected 16 large stages along the normally car-clogged, eight-lane highway through the heart of the city. Indonesia's booming economy is a rare bright spot amid global gloom and is bringing prosperity ? or the hope of it ? to Indonesians.

Spirits in the capital have been further raised by the election of a new, populist governor who is pledging to tackle the city's massive infrastructure problems.

In Sydney, Lord Mayor Clover Moore said about 1.5 million spectators were expected to line the harbor to watch the 6.6 million Australian dollar ($6.9 million) fireworks display, while another 2 million Australians among a population of 22 million would watch on television.

"This is really putting Australia on the map in terms of welcoming people to the new year," Moore told reporters before the event.

Thousands lined the harbor shore in festive crowds under a blue summer sky by late afternoon, their number undiminished by Australian government warnings that the Washington deadlock on the U.S. debt crisis was partly to blame for a slowing Australian economy.

Australian pop singer Kylie Minogue was hosting the event.

Florida tourist Melissa Sjostedt was among the thousands gathered near a southern pylon of the bridge. She said seeing the fireworks would fulfill an ambition that began a decade ago when she read about them in National Geographic magazine.

"Ever since that, I've always wanted to see this for real, live, in person," she said.

New Yorker Mathieu Herman said he had flown to Australia specifically for the New Year celebrations on the harbor.

"I saw it last year on TV and it looked fabulous. I said to myself it's something I've just got to do," Herman said.

Despite a somber mood in the Philippines due to devastation from a recent typhoon, a key problem for authorities remained how to prevent revelers from setting off huge illegal firecrackers ? including some nicknamed "Goodbye Philippines" and "Bin Laden" ? that maim and injure hundreds of Filipinos each year, including many children.

A government scare tactic involving doctors displaying brutal-looking scalpels used for amputations for firecracker victims has not fully worked in the past so health officials came up with a novel idea: Go Gangnam style.

A government health official, Eric Tayag, donned the splashy outfit of South Korean star PSY and danced to his Youtube hit "Gangnam Style" video while preaching against the use of illegal firecrackers on TV, in schools and in public arenas.

"The campaign has become viral," Tayag said. "We've asked kids and adults to stay away from big firecrackers and just dance the Gangnam and they're doing it."

Hong Kong feng shui master Raymond Lo predicted 2013 would be less turbulent than 2012 because the Chinese New Year in February will usher in the year of the snake, bringing an end to the year of the dragon, which was associated with water. Water is one of the five elements in feng shui theory, the Chinese practice of arranging objects and choosing dates to improve luck.

"Water is fear. So that's why we have had so much turbulence especially in the winter months," such as doomsday prophecies, school shootings and concerns about the fiscal cliff, said Lo.

"But the good news is that the coming year of the snake is the first time that fire has come back since 2007. Fire actually is the opposite to water, fire is happiness. So therefore the year of the snake is a much more optimistic year. So you can see signs of economic recovery now," he added.

"The positive thing is that people are very optimistic, therefore it will have a very strong drive on the economic recovery. We expect the stock market will do well, the property market will do well," Lo said.

___

Associated Press writers Aye Aye Win in Yangon, Myanmar; Jean Lee in Pyongyang, North Korea; Chris Brummitt in Jakarta, Indonesia; Kelvin Chan in Hong Kong; Ashok Sharma in New Delhi; and Jim Gomez in Manila, Philippines, contributed to this report.

Source: http://news.yahoo.com/asian-nations-giving-enthusiastic-welcome-2013-061809017.html

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China's Controversial Brain Surgery To Cure Drug Addiction

kkleiner writes "A small handful of doctors in China are using a highly controversial procedure to rid people of drug addiction by destroying a part of patients' brains. The procedure involves drilling small holes into the skulls of patients and inserting long electrodes that destroy a part of the brain called the nucleus accumbens. This area, often referred to as the "pleasure center" of the brain, is the major nucleus of the brain's reward circuit. Is it worth being cured of addiction if, losing the addiction, we also lose part of who we are?" The practice has been officially banned, but apparently continues nonetheless.

Source: http://rss.slashdot.org/~r/Slashdot/slashdotScience/~3/LOUgQzMXor8/story01.htm

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4 ways to summon your purpose in life - Business Management Daily

Some lucky people seem to have been born with a greater purpose in life while the rest of us are left to search for ours.

Umair Haque, director of Havas Media Labs, thinks the problem may be that we?re looking so hard. Instead, he suggests four ways we can approach the world.

  1. Ditch the cool facade and feel the love. Instead of feeling and expressing real love, we use weaker substitutes such as ?passion,? ?dreams? or ?bucket lists.? These days, we?re more likely to feel the opposite of love?hate, anger, fear and envy?but purpose is a form of love, real love.
  2. Feel the pain of heartbreak. Part of our modern-day cool facade involves insulating ourselves against everything that could cause an emotional ache or pain. To open yourself back up to feeling, you need to immerse yourself in some things that make you ache and maybe break your heart.
  3. Drive through life NASCAR style. Most people approach life like a Formula One race, trying to drive the cleanest laps to achieve the fastest time. People who find true purpose and fulfillment, though, take a NASCAR approach, where hits and scrapes are part of the experience. You have to be willing to take hits, fail, start over and keep going.
  4. Seek forests, not fireworks. Fireworks are exciting, but they just spark, flare and fizzle in a matter of seconds. Purpose and the love it takes to achieve it come from a calmer, slower process akin to the growth of a great forest. As you go through that life, you will be bruised, scarred and hurt, but if you?re lucky, purpose will find you and redeem you from the void of an empty and unfulfilling life.

? Adapted from ?How to Let Your Purpose Find You,? Umair Haque, Harvard Business Review.

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Israel celebrates education gains, but challenges remain

HOLON, Israel (JTA) -- Just before 1 o'clock on a sunny afternoon, students streamed out of the Amirim Public School and headed for home. But for their teachers, the workday was far from over.

Some would stay late to attend faculty meetings and prepare upcoming lessons. Others would help small groups of students in subjects like math and science, Hebrew and English.

The extended hours are but one aspect of sweeping changes instituted by the Israeli Ministry of Education in 2009 after the country's students posted disappointing results in several international achievement tests in 2006 and 2007. Israeli fourth-graders had ranked 24th among some 60?countries in math, while eighth-graders came in?25th in science and 31st in reading comprehension.?

In an effort to improve performance, the Education Ministry urged teachers to focus their classes on the international tests and develop precise lesson plans and curriculums. The education budget was upped by hundreds of millions of dollars -- $100 million more was allocated in 2012 alone -- and teachers were compensated for lesson planning time and teaching small-group enrichment classes.?

"I'm happy that we have these resources," said Orly Bahat, Amirim's principal. ?We never had a situation where, when the kids went home, we could stay here and they would pay us. The kids got this new help."?

The results have been significant, both across Israel and at Amirim.

In 2011, Israeli fourth-graders had improved to seventh place in the math section of the Trends in International Mathematics and Science Study test given to students in approximately 60 countries including the United States, China and several European countries. Eighth-graders came in 13th on the science portion of the test. Israelis also finished 18th in the 2011 Progress in International Reading Literacy Study, which tested students in about 40 countries.?

At Amirim, students taking the math test moved up from an average grade of 64 percent in 2007 to 80 percent, placing them in the top 10 percent of Israeli schools. Its students also moved into the top fifth of Israeli students in Hebrew, an improvement of 10 percentile points.?

?We had a clear measurable goal; every teacher and every employee knew what was expected of them,? said Dalit Stauder, the director-general of the Education Ministry. ?We [previously] talked about process and we [moved] to an emphasis on results at every level, from the general staff through individual schools.?

The improvement in test scores paints only a partial picture, at best, of Israeli education. Low-income students performed far worse than wealthier ones. Arabs lagged behind both Israeli Jews and the international average in math and reading. Class size in Israel, which is about 50 percent higher than the U.S. average of 24 students, remains a cause for concern. Haredi Orthodox students, who don?t learn the country?s core curriculum, did not take the test and thus were not factored into Israel?s averages.?

Stauder says that test scores in all socioeconomic sectors have improved since 2007, though the Education Ministry?s statistics show the gap in scores between rich and poor had shrunk only slightly in that period and have widened on the reading comprehension test.

But on the whole, the improvements have been dramatic. And Israeli teachers, who initially opposed the increased demands on their time, seem to have come around.

?We know what?s expected and we?re very precise,? said Orly Barel, a Hebrew teacher at Amirim who described the initial reaction of her colleagues as ?antagonistic? to the new requirements.

Teachers are now expected to work longer hours, and they bemoan the size of Israeli class sizes, which range from 32 to 40 students per class. And like teachers in other countries where standardized testing has been made a crucial part of accountability in education, they resisted infringement on their classroom autonomy.

?The teachers need to adjust themselves to the system,? said Ran Erez, who heads Israel?s high school teachers union. ?If you?re teaching one way for 20 years and they say to do it differently, it?s hard.?

The funding increases also have allowed schools to hire more teachers to teach specific subjects, as opposed to having one teacher teach several subjects.

?It?s just like when you break a leg, you go to an orthopedist, not a general practitioner,? Bahat said. ?Parents and kids know they have expert teachers.??

The chairwoman of Amirim?s Parents? Committee, Nava Levy, says the additional resources have led students to perform better.?

"A lot of things have changed," she said. "Now the teachers help kids more, listen to parents better. They help us help our kids at home."?

Amirim is one of Israel?s luckier schools, located in an upper-middle class neighborhood of Holon, a city of 184,000 south of Tel Aviv. The ministry hopes to close the achievement gaps between schools like Amirim and those in lower income areas in part by reducing class sizes and providing students more opportunities for small-group learning. Teachers who choose to work in low-income towns also receive financial?incentives.

But Stauder says the ministry ?can?t solve the whole problem? of economic inequality.

?If a kid comes from a good home, he has a computer, his parents read,? Bahat said. ?Parents with no time or money, their kids come from a tough background. Their upbringing isn?t the same."

Help us tell the Jewish story with reporting from around the world. Please donate to JTA.

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Source: http://www.jta.org/news/article/2012/12/30/3115436/israel-celebrates-education-gains-but-challenges-remain

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Legal Practice Pro ? Marketing, Managing and Growing Your Law Firm: A Lawyer?s Trip To Google+

December 30, 2012 - Lawyerist: Hone Your Writing Skills with Point Made: How to Write Like the Nation?s Top Advocates Lawyerist: Hone Your Writing Skills ... +++ December 30, 2012 - Legal Practice Pro ? Marketing, Managing and Growing Your Law Firm: A Lawyer?s Trip To Google+ Legal Practice Pro ? Marketin ... +++ December 30, 2012 - Taxgirl: Why Santa Won?t Owe Any Income Taxes This Year Taxgirl: Why Santa Won?t Owe ... +++ December 29, 2012 - Robert Ambrogi?s LawSites: Rocket Matter Now Integrates with QuickBooks Robert Ambrogi?s LawSites: Ro ... +++ December 29, 2012 - Washington Post: Best year in Washington: Nate Silver Washington Post: Best year in Washi ... +++ December 29, 2012 - iPhone J.D.: Review: Apple Lightning to VGA Adapter ? run presentations from your iPad or iPhone iPhone J.D.: Review: Apple Lightnin ... +++ December 29, 2012 - Reuters: Australian litigation funder launches CDO suit against ABN, S&P in Europe Reuters: Australian litigation fund ... +++ December 29, 2012 - Burford: Billing survey reveals top law firms still charge the most Burford: Billing survey reveals top ... +++ December 29, 2012 - Attorney at Work: Tighten Your Writing: Heed the Six Signs Attorney at Work: Tighten Your Writ ... +++ December 29, 2012 - Advocate?s Studio: Lots of Legal Apps For You Advocate?s Studio: Lots of Le ... +++ webdesign

Source: http://feedproxy.google.com/~r/adrtoolbox/~3/k3KP_OeeYCs/

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Carroll University for Google Chrome 0.6.4.9

Carroll University is a Google Chrome and Firefox theme especially designed for Carroll University Athletics fans. It brings all the latest news from Carroll U sports and it integrates with Twitter and Facebook.

Carroll University is an add-on designed to work with the Mozilla Firefox, Google Chrome and Internet Explorer web browsers.

This add-on doesn't require you to restart the web browser.

Product's homepage

Requirements:

? Google Chrome

Source: http://linux.softpedia.com/get/Internet/Google-Chrome-Extensions/Carroll-University-Google-Chrome-95378.shtml

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Sunday, 30 December 2012

Karen S. Exkorn: Five Tips On How To Say The Right Thing All (Or At Least Most) The Time

Say What You Mean, Mean What You...What'd You Say?

You know how sometimes you use an expression without thinking about its meaning? I did just that recently, and it came back to haunt me.

I'd written a fun and upbeat article about "Happy Holiday Sex." It included sexy tips and a sentence about how dealing with sugar-crazed kids or dysfunctional family members "does not necessarily put you in the mood...unless that mood involves killing someone."

I'd written that article many weeks ago. The article was published just days after the Newtown tragedy.

Upon re-reading it, I honestly hadn't remembered writing that line. It was a throwaway line, an attempt at light-hearted humor. But my heart grew heavy as I read it. I quickly contacted the publisher, who just as quickly deleted the line.

That's when I started to assess my use of language -- specifically those expressions I'd come to use everyday without even thinking about them. I heard myself saying things like, "I'd die if I ever wore something like that!" or "That joke kills me!" Even using the word "deadline" started to bother me.

Meanwhile, I'd spent years as a management consultant, coaching executives on the importance of finding just the right words or expressions to use in their keynote speeches or business pitches. I'd emphasized the weight that a single word holds. Words have power, and the power of one word can mean the difference between a positive or negative audience reaction. It can also mean the difference between the making or breaking of a business deal, or even a relationship.

Five Tips on How To Say the Right Thing All (or at least most) of the Time

Mirror Mirror
Observe yourself. Your words define who you are and how you are seen in the world. What expressions do you use on a daily basis? Are you using "loaded" words or expressions that really don't represent who you are? My teenage son Jake pointed out that I constantly used the expression, "It is what it is." He said, "Mom, it doesn't sound like you. It sounds kind of negative." I realized that he was right, and I'm making a conscious effort to stop saying it. Remember, people judge you by the words you use. Be mindful of what you're saying.

Think First. Speak Second.
Words can help. And words can hurt. Even though spoken words seem to disappear into the air, they can have a way of landing inside someone's heart and remaining there for a very long time. When you're feeling a positive emotional charge, it might be okay to shout out, "I love you!" but when you're feeling a negative emotional charge (i.e. in the heat of the moment during a fight with a loved one), it might not be okay to shout out, "I hate you!" The best advice a marriage counselor ever gave my husband and me was to "Think before you speak," especially during a highly emotionally charged situation.

Let Your Body Talk -- or Shout!
Your body speaks louder than your words when you're communicating in person. Oh sure, you can use words to tell someone that you care, but if your arms are crossed in front of your chest and your eyes are trying to peer over his shoulder to see what's on TV, then your words are the equivalent of what you'd scoop up in the dog park. This happens quite often in the business world. Everyone is multi-tasking to the point where when an employee tries to share an idea and others are tweeting and texting and adding empty "Uh huh's," that idea is never received, and the employee feels like the equivalent of that dog park pick-up. So, make sure that you use open body language (arms uncrossed and eye contact) to express your ideas or show that you're openly listening.

Talk to Yourself
Be aware of the words you use when you're talking to yourself. Psychologists have done studies on the effect of self-talk and its powerful effect on the unconscious. If you're constantly saying to yourself, "I'm so stupid" or "I can't believe I just said such a dumb thing," then you probably will continue to say and do dumb things. It's self-fulfilling prophecy. On the other hand, if you constantly say to yourself, "I'm so smart" and "I just came up with a brilliant idea!" then you will probably continue to do and say smart and brilliant things. Studies also show that even if you don't actually believe that you're all that smart, by constantly telling yourself that you are, you will be!

Say EEEE.
Say "EEEE." Notice what happens to your mouth. It actually pulls up the corners of your mouth so that you're smiling. A New York Times article entitled "A Language of Smiles" by Olivia Judson () states that "The mere act of smiling is often enough to lift your mood...(and) influence your emotional state." Think of the words that causes you to smile; they use the "EEEE" sound -- "happy," "glee," "sunny," "silly," me." If you can incorporate "EEEE" words that connote positive feelings and use those words, you will enhance both your own mood and the mood of your listener.

Just remember, what you say matters -- whether it's to yourself or others. Communicating with the right words can mean a world of difference about how you feel about yourself, and the way you are perceived by others. What if you make a mistake and say the wrong thing?There's always the option to use those powerful, magic words, "I'm sorry." And if you write the wrong thing? Well, as I learned, there's always the option of speaking up and using that magic "delete" key.

?

Follow Karen S. Exkorn on Twitter: www.twitter.com/@52Shades

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Source: http://www.huffingtonpost.com/karen-s-exkorn/better-communication-five-tips-on-how-to-say-the-right-thing_b_2345662.html

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Rare genetic faults identified in families with bowel cancer

Dec. 30, 2012 ? Rare DNA faults in two genes have been strongly linked to bowel cancer by Oxford University researchers, who sequenced the genomes of people from families with a strong history of developing the disease.

The researchers sequenced the entire DNA genomes of 20 people from families with a strong history of bowel cancer. Eight of the 20 people had developed bowel cancer, while the rest had a first-degree relative who had developed the disease. The findings are published in the journal Nature Genetics.

They found that everyone who had a faulty POLE or POLD1 gene developed bowel cancer or had a precancerous growth in the bowel.

To confirm their findings they then looked for faults in these two genes in almost 4,000 people with bowel cancer, and 6,700 people without the disease.

Neither of the genetic faults was found in people without bowel cancer. However, 12 people with a fault in the POLE gene were found in the bowel cancer group, and one person had a POLD1 gene fault.

The POLD1 fault was also found to increase the risk of getting womb cancer and possibly brain cancer, with seven people in the study being diagnosed with womb cancer and one developing two brain tumours.

Professor Ian Tomlinson, who led the research at the Wellcome Trust Centre for Human Genetics at Oxford University, said: 'These are two rare faults, but if you inherit them your chance of bowel cancer is high. By testing people with a strong family history of the disease for these, we can identify those who are at high risk and try to prevent the disease by using colonoscopy and other methods.'

POLE and POLD1 are genes involved in processes that repair damage to DNA. Without these genes functioning properly, affected individuals can build up damage in their DNA which accumulates and it is thought this may lead to changes that cause bowel cancer.

'This research highlights how much more we still have to find out about the rare gene faults that can increase a person's risk of bowel cancer,' said Dr Julie Sharp, senior science information manager at Cancer Research UK, which part-funded the work.

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The above story is reprinted from materials provided by University of Oxford.

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


Journal Reference:

  1. Claire Palles, Jean-Baptiste Cazier, Kimberley M Howarth, Enric Domingo, Angela M Jones, Peter Broderick, Zoe Kemp, Sarah L Spain, Estrella Guarino Almeida, Israel Salguero, Amy Sherborne, Daniel Chubb, Luis G Carvajal-Carmona, Yusanne Ma, Kulvinder Kaur, Sara Dobbins, Ella Barclay, Maggie Gorman, Lynn Martin, Michal B Kovac, Sean Humphray, Huw J W Thomas, Eamonn Maher, Gareth Evans, Anneke Lucassen, Carole Cummings, Margaret Stevens, Lisa Walker, Dorothy Halliday, Ruth Armstrong, Joan Paterson, Shirley Hodgson, Tessa Homfray, Lucy Side, Louise Izatt, Alan Donaldson, Susan Tomkins, Patrick Morrison, Selina Goodman, Carole Brewer, Alex Henderson, Rosemarie Davidson, Victoria Murday, Jaqueline Cook, Neva Haites, Timothy Bishop, Eamonn Sheridan, Andrew Green, Christopher Marks, Sue Carpenter, Mary Broughton, Lynn Greenhalge, Mohnish Suri, Peter Donnelly, John Bell, David Bentley, Gilean McVean, Peter Ratcliffe, Jenny Taylor, Andrew Wilkie, Peter Donnelly, John Broxholme, David Buck, Jean-Baptiste Cazier, Richard Cornall, Lorna Gregory, Julian Knight, Gerton Lunter, Gilean McVean, Jenny Taylor, Ian Tomlinson, Andrew Wilkie, David Buck, Lorna Gregory, Sean Humphray, Zoya Kingsbury, Gilean McVean, Peter Donnelly, Jean-Baptiste Cazier, John Broxholme, Russell Grocock, Edouard Hatton, Christopher C Holmes, Linda Hughes, Peter Humburg, Alexander Kanapin, Gerton Lunter, Lisa Murray, Andy Rimmer, Anneke Lucassen, Christopher C Holmes, David Bentley, Peter Donnelly, Jenny Taylor, Christos Petridis, Rebecca Roylance, Elinor J Sawyer, David J Kerr, Susan Clark, Jonathan Grimes, Stephen E Kearsey, Huw J W Thomas, Gilean McVean, Richard S Houlston, Ian Tomlinson. Germline mutations affecting the proofreading domains of POLE and POLD1 predispose to colorectal adenomas and carcinomas. Nature Genetics, 2012; DOI: 10.1038/ng.2503

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/top_news/top_health/~3/pbRsb_OZ3Cs/121230175927.htm

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Android Robot That You Can Download and make!

PoseableAndroid

via robives.com:

Download, print out and make your own Android robot. This poseable robot is available for everyone to download for free.

The Android robot is the logo of Google?s Android mobile device operating system.

This Android robot is modified from work created and shared by Google and used according to terms described in the Creative Commons 3.0 Attribution License.

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Source: http://www.adafruit.com/blog/2012/12/30/android-robot-that-you-can-download-and-make/

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Tips On How To Find A Bankruptcy Lawyer | Best Growth Stock

Filing personal bankruptcy is a somewhat complex process. Because of the various types of claims out there, and also the different ways in which you can approach filing, your particular situation will be personal to you. Before you decide to file for personal bankruptcy, you need to educate yourself about it. The following tips will help put you on the right path.

Use your attorney?s advice in choosing the type of bankruptcy that will be the best choice for you. There are a few types of bankruptcy. Research each type before filing. Consider the pluses and minuses of each type of bankruptcy and seek out the advice of a financial adviser.

Personal Bankruptcy

If you are considering filing for personal bankruptcy, be certain that this is really the right course of action for you. You might be better off consolidating your debt or availing yourself of some other remedy. There is not easy process associated with personal bankruptcy. It will have a major effect on your credit as time goes on. Personal bankruptcy should be undertaken as a last resort when no other workable options are available to you.

Before filing for personal bankruptcy, make sure you are doing the right thing. There are other options available, such as credit counseling for consumers. Bankruptcy will be on your credit report and affect your credit score for many years to come, so it is a decision that should not be taken lightly. Try to use it as a last resort.

If negativity begins to overwhelm you, seek out others who have been in your shoes. Going through bankruptcy can put a strain on your mental health and make you feel like a stranger when you are trying to have fun with friends. If you need to, share your experience on the Internet with people who are going through a similar situation and ask for advice on message boards.

Do not give up. Many times you can get repossess property back once bankruptcy has been filed. Any property repossessed within 90 days before filing bankruptcy, may be able to be returned to you. Consult with a lawyer who can help you along with filing the petition.

If you have made a mistake and your case is dismissed due to your error, you can usually re-file. Generally, you are only granted an automatic 30 day stay if your case is dismissed. There is a chance that you could get this extended if you can show the judge a good cause of your error and why you are subsequently re-filing.

It is easy for consumers to fear a lack of financing being offered to them after filing for personal bankruptcy. While there is some truth to this, your previous credit score may have been much worse. Going forward, make sure to pay all bills on time for a positive credit history.

When preparing to file for personal bankruptcy, be sure to keep a list of the questions you have for your lawyer. Lawyers charge a lot for their time. To save yourself both money and a lot of trouble, make a detailed list of your concerns and questions prior to consulting your lawyer. You want to develop a thorough understanding of your case and how it is going to progress.

Don?t procrastinate when it comes to declaring bankruptcy. Once you decide that filing for bankruptcy is the option you must choose, file immediately. Your financial position may deteriorate even further and make an already stressful situation even less tolerable. Get things over with to avoid stress and other issues. It can be a great relief to file and end the uncertainty.

Before you file for personal bankruptcy, take great care in paying off your debts. The laws regarding bankruptcy most often prevent you from paying back some creditors for up to 90 days before filing, and friends and family for up to one year. Study applicable regulations prior to making any financial choices.

Chapter 7

If you file for a Chapter 7 type of bankruptcy, not all debts magically disappear so don?t have an expectation that they will. Some debts might have to be reaffirmed. That means you need an entirely new agreement for paying them back, and other debts are simply not able to be discharged. For instance, you could not discharge child support obligations, court-sanctioned fines or even alimony payments through chapter 7.

Always make your loved ones a priority. Going through bankruptcy is difficult. It takes a long time, it can be stressful, and people feel unworthy, guilty and ashamed. Lots of people think they need to hide from everyone until this is all done. But, isolating yourself from others could bring out more depression. So, it is critical that you keep spending time with the ones you love, regardless of the current financial situation.

See if your attorney can help you lower your payments if you want to keep your vehicle. Sometimes, as part of the bankruptcy filing, your auto loan can be restructured so that you pay less each month. If you meet the criteria specific to your state, it may be a good option to consider.

Clearly, filing for bankruptcy takes a great deal of thought and consideration in advance. If bankruptcy is sensible option for you, a good and experienced bankruptcy attorney is a must have to help you begin the process of starting your financial situation anew.

Source: http://www.bestgrowthstock.com/2012/12/29/tips-on-how-to-find-a-bankruptcy-lawyer/

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8 Things to Love About Grenada

Grenada in the Caribbean presents a variety of exciting and relaxing experiences. The island is one of the most popular destinations in the Caribbean. Thanks to affordability, friendly people and more exposure, many people are choosing Grenada as their port of call in the West Indies. Here are 8 things to love about Grenada.

1. Breath-taking Beaches

One of the best reasons for visiting Grenada is that some of the most incredible beaches can be found here. The sea gently laps the shores onto the same beautiful white sand beaches that visitors to the Caribbean love so much.

2. Friendly people

Grenadians are friendly, approachable and polite. If you're spending any time on the island, be sure to mingle with the locals otherwise you'll miss out. With a population of 90,000, the island has the largest concentration of people around the St George's area. Tip: Don't mention the 1983 revolution.

3. Fresh produce

The soil on Grenada is very fertile and you'll see a wide range of fruits and vegetables that are grown on the island. Be sure to make the most of the exposure to them and take fresh fruit juices, vegetables and try as many exotic fruits are you can.

4. Spices

Prior to the last big hurricane, Grenada was the 2nd biggest exporter of nutmeg in the world. You can visit one of the three nutmeg processing plants if you'd like to see what this entails. You'll also come across cinnamon, turmeric, clove and allspice.

5. Waterfalls

If sandy beaches and snorkelling doesn't do it for you then head inland to hike some of the Caribbean's prettiest waterfalls. Grenada has several and they are all something to see. Mt Carmel is in many people's opinion the prettiest.

6. Birds

Even if you're not really a birdwatcher, keep an eye out. There are over 100 different birds on the island, including several species of hummingbirds, boobies, terns and even vultures. You'll get some good wildlife photo opportunities by being patient and still.

7. Adventure

There are plenty of adventurous activities to take part in. You can dive in the Underwater Sculpture Park, take a river tube ride through some rapids or hop onto a fisherman's boat for the ride over to beautiful Sandy Island.

8. Local food

In addition to a strong African slant, there's also an East Indian influence on the island with curried goat, roti's and doubles. Be sure to try the local dish of oildown. There are also plenty of opportunities to try the multitude of local fish and seafood.

9. Beautiful countryside

Don't stay in your hotel, get out and about. The scenery is beautiful and well worth a look. Hiring a car is easy and affordable. You'll just need to bring along your driving license. Remember that the road system means that cars travel on the left.

10. Whales and Dolphins

If you take a day trip out, there's no guarantee that you'll see whales, but you will most probably see dolphins. Ask at your hotel reception desk about how you can get onto a trip.

Grenada has got a lot on offer and it's well worth a visit.

April Jones writes for Petite Anse Hotel in Grenada, West Indies. This small boutique hotel overlooks the Caribbean Sea all the way to the Grenadines and beyond. Turtle watching, hiking, nature, romance and tranquility! http://www.petiteanse.com

Source: http://articles.submityourarticle.com/8-things-to-love-about-grenada-309868

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San Diego Zoo's Panda Cub Has a Ball

Life at the zoo can be a ball, literally.

The belle of the ball at the San Diego Zoo on Thursday was Xiao Liwu, the newest addition to the zoo's panda family, who was captured on camera enjoying a slew of new toys, including a plastic ball.

"He was really enjoying hugging it, rolling on it and doing those kinds of rolly, tumbling things that panda cubs are so notoriously cute for doing," veterinarian Beth Bicknese said in a video on the zoo's website.

READ MORE: Panda Cub Opens Eyes at San Diego Zoo

The ball wasn't all fun and games for Xiao Liwu, however, as it was used, along with a stick of bamboo and a plastic ring shaped like a doughnut, at his most recent checkup to test his coordination, growth and development.

The good news? Xiao Liwu, who was born at the zoo in July, passed his exam - comprised of 10 to 15 measurements, according to the zoo - with flying colors.

'Everything looks good he's still a little on the smaller side but overall he's in good body condition, everything's growing, his teeth are coming in,' Meg Sutherland-Smith, the zoo's associate director of veterinary services, said after the exam.

Xiao Liwu, whose name, which means "little gift," was chosen in an online poll, weighed just four pounds when he became the sixth panda cub born at the zoo under a 12-year agreement with China that included the loan of two giant pandas. At his exam on Thursday, his 19 th since his birth, the 20-week-old cub weighed in at 14.5 pounds.

Zoo officials are waiting to put Xiao Liwu on public display at the zoo until he develops the "bear behavior" of following his mother and being a better climber, according to Bicknese.

Until then, Xiao Liwu's fans can still keep track of the playful cub online with the zoo's panda cam, a live stream that has documented the cub's nearly every movement since his birth.

To watch the baby panda's latest veterinary exam, click here.

Also Read

Source: http://news.yahoo.com/blogs/abc-blogs/san-diego-zoos-panda-cub-ball-183414702--abc-news-topstories.html

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Saturday, 29 December 2012

SMALL BUSINESS OWNER'S DILEMMA ? The Burning Platform

  • ThePessimisticChemist says:

    Times are getting rougher in this area. My company does a LOT of business overseas, so we are still doing very well, but the blue collar jobs are taking a beating.

    I feel bad when we turn away someone fully qualified for a position, but they wouldn?t want the pay anyways. Most are ex-union and want 25-50% more pay for the same work as people who have never been in a union before.

    Well-loved. Like or Dislike: Thumb up15?Thumb down0

    28th December 2012 at 5:11 pm

  • Hope@ZeroKelvin says:

    What a timely cartoon.

    Since the election, about 75% of my patients have been asking me if I will still be around once Obamacare kicks in over the next few years.

    I say that I don?t know, I just soldier on every day, that I am more worried about the economic collapse of the country, that I?ll hang on as long as I can but I am not optimistic.

    I either get tears of acknowledgement of how screwed we are or looks of blank astonishment.

    At this point, I hand out my little American flag pins (which I tell them to wear upside down indicating a nation in distress) and a little card with all my favorite websites on it, also the names/phones of our CONgresscritters.

    Trying to spread my gospel of Embrace The Doom, one person at a time.

    Well-loved. Like or Dislike: Thumb up24?Thumb down1

    28th December 2012 at 5:29 pm

  • Muck About says:

    Attention llpoh!!

    Paying attention? Listen up and act accordingly. I closed my own ?small business? 3 years ago just to avoid excessive taxes. Fuck ?em. They?ll keep spending any income they get until they get no more. Then they?ll spend more that the Fed gives them (now happening) until that won?t work anymore (maybe 2013).

    Starve the beast. Stop paying taxes. Collect Free Shit from as many sources as you can.

    Break the bastards and let?s start over from a lower baseline..

    MA

    Well-loved. Like or Dislike: Thumb up9?Thumb down1

    28th December 2012 at 7:17 pm

  • Administrator says:

    Muck

    How are you feeling? We haven?t heard from you for a few days.

    Well-loved. Like or Dislike: Thumb up9?Thumb down0

    28th December 2012 at 7:21 pm

  • The Watchdog says:

    @HZK,
    Aside from TBP, what other web sites are on your little card?
    ZeroHedge, Mish, King World News, The Onion?

    Like or Dislike: Thumb up3?Thumb down0

    28th December 2012 at 7:44 pm

  • Llpoh says:

    Muck ? already putting in plans for option number two. My prediction is for an exodus of small- business owners from their businesses. Despair will over-take them. Get out while the getting is less bad. No way in hell I am going broke just in order to keep my employees employed another year or three. I do not run a business for their benefit, which will come as a shock to them. At least to those that have ever given it a single thought.

    I have always been pleased that what I do has provided a social good. Not any longer ? I no longer get to share in the good, but only suffer the bad. Screw it.

    Well-loved. Like or Dislike: Thumb up16?Thumb down0

    28th December 2012 at 10:00 pm

  • Administrator says:

    llpoh

    I?m guessing your employees don?t frequent TBP.

    Well-loved. Like or Dislike: Thumb up11?Thumb down0

    28th December 2012 at 10:12 pm

  • Chronic Agitator says:

    Timely cartoon Indeed! For the time being I do not have to be concerned with Obama care because I have less than 50 employees but year after year gross revenue continues to deteriorate. If sales go any lower I will have no choice but to become ?Arnold?s Rug? as the old yellow pages advertisements used to say. Going back to a one man show would have it?s benefits but I have staff who need jobs, although, I believe most of them think it will be easy to go elsewhere.

    Even though it is very stress full, I keep holding on?hoping that I can do a magical turn around but month by month it is getting less likely. Although it is possible, I like to think I am not to blame for everything in my company going to shit?maybe that is why I keep coming back to TBP because I want to feel like I am not responsible for all of this clusterfuck economy we have. [Rant Off- Temporarily] Be Safe FFs.

    Well-loved. Like or Dislike: Thumb up10?Thumb down0

    28th December 2012 at 10:22 pm

  • Chronic Agitator says:

    Lloph? I like your fucking attitude?really!

    Well-loved. Like or Dislike: Thumb up6?Thumb down0

    28th December 2012 at 10:24 pm

  • Llpoh says:

    Admin ? I suspect not. Too bad for them.

    CA ? it is very important to abandon ship while the ship is still floating. If you wait too long, you can go down with it. I appreciate the kind words.

    Well-loved. Like or Dislike: Thumb up7?Thumb down0

    28th December 2012 at 10:29 pm

  • crazyivan says:

    ?CA ? it is very important to abandon ship while the ship is still floating.? -llpoh

    A good Captain will always get off a ? ?Brace For Impact? message.

    A better Captain will admit to boarding passengers, that he has a very strong stinging pain in his penis, but assures that the flight will not be affected.

    The best Captain will give everyone a parachute and say ?good luck you fuckers, I love you all?

    Like or Dislike: Thumb up3?Thumb down0

    28th December 2012 at 11:23 pm

  • John says:

    On a positive note, the 47+M food stamps recipients at the end of 2012 truly believe, that their Obama/Chase EBT card will buy em Walmart can food all the way through in 2013.

    Like or Dislike: Thumb up3?Thumb down0

    28th December 2012 at 12:31 am

  • SSS says:

    Hope said, ?Since the election, about 75% of my patients have been asking me if I will still be around once Obamacare kicks in over the next few years.?

    Let me tell you what I said to my urologist after my last visit, Hope, and she is just as concerned as you are on the impact of Obamacare on her medical practice. I told her that I WILL PAY OUT OF MY POCKET WHATEVER IT COSTS FOR HER TO SEE AND TREAT ME AS A PATIENT PLUS WHATEVER SHE CONSIDERS AS A FAIR PROFIT FOR HER SERVICES. AND I WILL DO IT IN CASH.

    She looked at me, smiled, and said thank you. Not every patient will say that, Hope, but I did because I can ?? and mean it. I predict that there are hundreds of thousands, if not millions, of people like me who will gladly participate in a black market of payments to our doctors just to keep them solvent and us as their patients because we can afford it.

    And here?s to any government fucksticks that may be monitoring this site. Saying that you might break the law through payments under the table is a lot different than actually breaking the law. Have fun in adding me to your watch list.

    Well-loved. Like or Dislike: Thumb up8?Thumb down0

    28th December 2012 at 12:39 am

  • SSS says:

    ?SMALL BUSINESS OWNER?S DILEMMA?
    ?-title of article

    Admin,

    Gee, I always thought it was spelled dilemna, with an n and not 2 m?s. I?m sure you will straighten out this incredible spelling controversy in a New York minute.

    (Imbedded secret writing comment invisible to Admin. Dilemma with 2 m?s is the accepted form, but dilemna popped up somewhere in the past, and no one can figure out where it came from. Probably another CIA plot. Anyway, let?s all watch Admin struggle with this challenge.)

    Like or Dislike: Thumb up2?Thumb down0

    28th December 2012 at 1:00 am

  • Llpoh says:

    SSS ? unfortunately, that will only be a de facto tax on you, and will be in the end nothing but a transfer payment to those receiving free shit. Your doctor will be able to continue seeing subsidized patients off of your dime. I will only do what you are proposing if the doctor is entirely out of the system, otherwise it will be a tax on me. Obama would be oh so grateful to have us subsidize his system by paying the difference personally.

    Re under the table, that transaction has nothing to do with you ? entirely up to the receiver to declare or otherwise. You are paying in legal tender so end of story. You did not ask for a receipt ? no law broken there.

    Like or Dislike: Thumb up3?Thumb down0

    28th December 2012 at 1:01 am

  • Llpoh says:

    BTW I never ask for a receipt for personal services and always try to pay in cash. I am not interested in how people keep their books.

    Well-loved. Like or Dislike: Thumb up6?Thumb down0

    28th December 2012 at 1:05 am

  • Leobeer says:

    My employees never saw it coming although the signs were clearly there. They suspected something ?was up? but couldn?t work it out for themselves. I would have told them in advance but my exit strategy to get out cleanly and legally required secrecy and they couldn?t be trusted to keep their mouths shut.

    Good luck, Llpoh

    Well-loved. Like or Dislike: Thumb up7?Thumb down0

    28th December 2012 at 2:50 am

  • Stan says:

    My patients ask me the same thing. I tell them to take 2 shots of vodka and call me in the morning.

    Then pay the receptionist 100 bucks and get the hell out!!

    Like or Dislike: Thumb up2?Thumb down1

    28th December 2012 at 4:25 am

  • Chatham Police says:

    SSS

    Don?t worry. You were already on our watchlist. We consider you a traitor for frequenting this anarchist anti-American website.

    We will round up all of you when the time is right.

    Like or Dislike: Thumb up4?Thumb down0

    28th December 2012 at 7:34 am

  • TeresaE says:

    Only the luckier business owners are in this position.

    For quite a few, it is make it, or not, there is no get out while the getting is good.

    And, of course, there are still a number that as long as ?this? or ?that? does not apply to them, they will do nothing and see nothing and care naught.

    I tell those I know that they are next up. Today it is employers over 50, tomorrow, we?ll see. Just like I tell my ?successful? teachers and government contractors that they are the ?rich? their preferred leaders keep talking about. Only a matter of time.

    Fear not CONgress is ready to help us out. The pricks are talking about raising minimum wage again (thus cutting the purchasing power of my employee?s wages and business too), apparently they got word about the thousands of companies that are reducing their employees hours to avoid O?care. Always ready to lend the little guy a hand by giving him a dime and costing him a dollar.

    And it isn?t just O?care. It is the dozens and dozens and dozens of new regulations, laws, rules, fines, penalties (now including prison! for failure to file a form! it?s great to be a rich business guy!), costs, that seem to be hitting us daily.

    The constant erosion of everything you do is not exactly productive, nor conducive to ideas of growth and riches. More like a constant dark cloud forcing you to find ways to reduce, reuse, recycle, cut back, refuse. My company is being begged to take on a huge production order which eventually will end up in the one of the Big 3. The Big 3 pays like crap, force you to hold massive amounts of specialty inventory and ultimately, force many of their suppliers (my customer) into bankruptcy whom take their suppliers (me) along for the ride.

    So, money from sale is iffy, at best and now add to it the prohibitive cost of the Michigan Business Tax, the additional & ever growing costs of increasing employment, the added property tax (and inspectors) that come with adding a machine, not to mention the purchasing (and kick to the cash flow at the highest tax time of year) of six months of pricey stainless, and we passed.

    Decisions like that. What is the sense of adding another head when all it means is adding another opportunity for some government agency to be up my ass and take their ever-growing percentage of ?profits? with them?

    It is just plain fucking disheartening to be an employer in this country. And yet the sheeple believe Washington is creating jobs for them. Good luck with that.

    Like or Dislike: Thumb up3?Thumb down0

    28th December 2012 at 10:26 am

  • Buckhed says:

    I told my doc I?d pay him in silver..he liked that !

    Like or Dislike: Thumb up2?Thumb down0

    28th December 2012 at 10:26 am

  • flash says:

    Maybe SB owners should contact Jamie Dimon to get the # to his lobbyist cuz the SB lobby ain?t worth a po? rat?s ass.
    All political vermin are for sale and youse got to pay to continue to play.
    And, it?s a simple as that.

    Like or Dislike: Thumb up1?Thumb down0

    28th December 2012 at 10:39 am

  • Source: http://www.theburningplatform.com/?p=46356

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