Friday, August 31, 2012

German court postpones ruling on Apple-Motorola lawsuit targeting 'core Android operating system'

In early July, the Mannheim Regional Court held two trials on Apple lawsuits against Motorola Mobility and Samsung over EP2098948, a multi-touch event model patent, and scheduled decisions for today in the Motorola case and for September?21 in the Samsung case.

I went to the court, but there has been a rescheduling. The decision concerning Motorola will now come down on the same day as the one on the Samsung case, i.e., in three weeks.

There can be situations in which the same patent targeting the same technology -- in this case, we're talking about the Android operating system itself -- is adjudged differently by the same court in parallel lawsuits involving different defendants. For example, one party may fail to bring certain infringement or invalidity contentions in time. But based on how those two trials went, there is no obvious reason why the two cases might have different outcomes. And the consistent outcome is more likely than not to be a finding of non-infringement.

A three-week delay is no big deal in the greater picture. By comparison, Apple obtained a highly favorable jury verdict against Samsung in California a week ago, but the court is unwilling to consider Apple's request for injunctive relief before December, with a decision possibly not even coming down before the end of the year. I'll talk about that in my next post.

I mentioned the "core Android operating system" -- in quotes -- in the headline because Google used this term in its official reaction to last week's Apple v. Samsung verdict, and I thought this touch event model patent is a good example of what a reasonable decision of the "core Android operating sstem" should include. I think Google's use of that term has confused a lot of people out there, and that confusion was anything but unintended.

Google's statement made one very good point. Several of the patents the jury deemed valid and infringed are undergoing reexamination by the USPTO. I, too, believe that this is likely to change the situation, to some degree, in Samsung's favor further down the road.

Also, Google actually admitted that some of the trial patents do affect the "core Android operating system". Google said this:

"Most of these [patent claims] don't relate to the core Android operating system [...]"

"Most" means "not all, but some". It's not Google's fault that some people later said that none reads on core Android.

Obviously, design patents covering the shape of a tablet or smartphone are not an Android issue. Note that I usually refer to patents that Android-based devices have been found to infringe, which is not the same as saying that Android itself has been found to infringe -- but there are also some people who ignore that distinction.

While Google is not responsible for the shape of Samsung's tablets or smartphones, it is indirectly affected by Samsung's infringement. Apple's coherent story of "copying" ranging from packaging design to operating system functionality was clearly a key factor that helped Apple obtain last week's verdict.

It's unclear what Google considers to be the "core Android operating system". The narrowest definition of the core of Android would be... Linux. Android is a Linux derivative. But none of Apple's trial patents reads on Linux itself, so it's clear that Google defines "core Android operating system" more broadly than that.

The touch event model patent that was scheduled to be adjudged today would undoubtedly have to be considered a patent that reads on the "core Android operating system". It covers the way Android informs applications of touch events. All applications receive touch events. Not all applications rely on the specifics of the patented technique (such as selective sending of events if more than one touch is identified at the same time), but this is an operating system patent, not just an application patent that would be relevant only to a particular app, such as the photo gallery or the YouTube client.

The fact that Google CEO Larry Page is talking to Apple CEO Tim Cook about intellectual property matters including Android-related patent litigation shows that Google has problems in this area. How many of those problems relate to the "core Android operating system" depends on how one defines that term.

Whether or not a particular patent reads on what Google includes in its definition of the "core Android operating system" is not the most important thing. What really matters is what technical changes are necessary in the event of an injunction. Will the workaround result in degradations of the user experience, or a loss of functionality, performance, security, or stability? Google has not commented on this yet, but at some point it will have to. After now-Google-owned Motorola won a German injunction over a push notification patent, Apple was very clear about the implications. It explained on its website how this affected some of its customers accessing the iCloud or MobileMe email service from Germany, and how users were able to mitigate the impact. If Apple wins a post-trial injunction against Samsung, I hope Samsung and Google will also be very specific about their workaround strategy -- and not just refer us to an arbitrary distinction between the "core Android operating system" and Android as a whole.

If you'd like to be updated on the smartphone patent disputes and other intellectual property matters I cover, please subscribe to my RSS feed (in the right-hand column) and/or follow me on Twitter @FOSSpatents and Google+.

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Source: http://www.fosspatents.com/2012/08/german-court-postpones-ruling-on-apple.html

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ReStockIt Labor Day Blowout Sale Offers Up To 75% Off | fluffytoast ...

Davie, Florida (PRWEB) August 28, 2012

During the week leading up to Labor Day, ReStockIt.com is offering shoppers up to 75% off during their ReStockIt Labor Day Blowout Sale. The Labor Day Sale savings will be applied directly to each customers order of qualifying products,no code needed.

This weeks sale also includes free shipping on thousands of products. Items that qualify for free shipping or Super Fast 1-2 day delivery have special icons that will show up on their respective product pages.

Also offered during the Labor Day Blowout Sale are mid-week special deals. On Tuesday, small business owners can stay organized with a free box of 100 manila file folders when they purchase $ 50 or more on the site. Office and school supplies, ink and toner, food and breakroom supplies, cleaning supplies and all other top selling products all qualify for the promotion.

On Wednesday only, restaurant owners get their chance to save big. With coupon code RESTBOGO, customers can buy one restaurant supply product and get the next for 15% off. These include products such as plastic plates, kitchen supplies, kitchen cleaners, bar supplies, bakery supplies and more.

Thursdays sale offers shoppers 10% off plus free shipping on all P&G brands. All purpose cleaners including products from Mr. Clean and Comet will be on sale. Laundry detergent from Tide, dishwasher detergent from Cascade and Dawn, bathroom tissue from Charmin and many other brands will be included in the sales event on Thursday.

The sale ends on Friday with Free Shipping Friday. All orders over $ 25 quality for free shipping.

This is really when we see our office supplies selling well, said Zack Simpson, eCommerce Marketing Manager. This sale will make products even more accessible to our business customers, and people looking for Back To School savings.

For business owners or other customers who order the same set of products on a regular basis, ReStockIt.com offers the ReStocker Auto Delivery program. The Auto Delivery program gives customers the convenience of not having to re-order each month. It works great for items like cleaning supplies and other items that use up quickly.

About ReStockIt.com

ReStockIt.com, founded in 2004, has fast become a leading online store offering office supplies for small businesses. The company sells name brand business and home office supplies, electronics, restaurant and kitchen supplies, breakroom supplies and janitorial and cleaning supplies serving the small business and consumer markets. ReStockIt.com, who offers free shipping on 100,000 products, sells more than 200,000 from over 3,100 leading manufacturers such as Energizer, Hewlett Packard, and Purell/Gojo. ReStockIt.com has been honored with many prestigious awards including South Florida Business Journal Business of the Year in 2008 and 2010, Finalists for Ernst & Young Entrepreneur of the Year, and the 3rd fastest growing Internet Retailer in the US by industry leading Internet Retailer Magazine.

Visit us online at ReStockIt.com, or follow us on Facebook and Twitter at ReStockItcom for all your office, restaurant, breakroom and cleaning supply needs.

Source: http://www.fluffytoast.info/restockit-labor-day-blowout-sale-offers-up-to-75-off/?utm_source=rss&utm_medium=rss&utm_campaign=restockit-labor-day-blowout-sale-offers-up-to-75-off

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Paul Ryan expected in North Carolina next week

Republican vice presidential candidate Rep. Paul Ryan, R-Wis., left, hugs House Majority Leader Eric Cantor of Va., during a rally at the airport in Richmond, Va., Friday, Aug. 31, 2012. ( AP Photo/Steve Helber)

Republican vice presidential candidate Rep. Paul Ryan, R-Wis., left, hugs House Majority Leader Eric Cantor of Va., during a rally at the airport in Richmond, Va., Friday, Aug. 31, 2012. ( AP Photo/Steve Helber)

Republican vice presidential candidate, Rep. Paul Ryan, R-Wis. speaks during a campaign event, Friday, Aug. 31, 2012, in Richmond, Va. (AP Photo/Mary Altaffer)

(AP) ? Republican vice presidential contender Paul Ryan is expected to campaign in North Carolina during next week's Democratic National Convention.

Ryan was expected to campaign in the Greenville area on Monday.

His staff would not immediately confirm details for The Associated Press, but Republican officials familiar with Ryan's plans did confirm them.

The Wisconsin congressman left Tampa, Fla., on Friday after spending much of the week at his party's national convention there.

Ryan's plan to draw attention away from the Democratic gathering isn't surprising. Vice President Joe Biden had planned to spend two days campaigning in Florida during the GOP convention, but Hurricane Isaac forced him to cancel.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/89ae8247abe8493fae24405546e9a1aa/Article_2012-08-31-Ryan-North%20Carolina/id-953e545de3044febaab32701aa604e02

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Thursday, August 30, 2012

Liberty Media (NASDAQ:LMCA) - Satellite Radio Playground

By Demian Russian

Sirius XM Radio (NASDAQ:SIRI) - Liberty Media (NASDAQ:LMCA)Liberty Media Corporation (NASDAQ:LMCA) disclosed with a Form 4 SEC filing yesterday that they had increased their stake in Sirius XM Radio (NASDAQ:SIRI) further via open market purchases made between August 24th and August 28th.

On Friday, August 24th, Liberty bought 5,504,868 shares of SIRI on the open market at prices ranging between $2.50 and $2.53 per share (a weighted average price of?$2.521). Liberty was back at it on Monday, August 27th, snagging 29,064,603 shares at prices between $2.51 and $2,53 (a weighted average price of?$2.526) and on Tuesday, August 28th, grabbing 5,891,332 shares at a price of $2.53 per share.?With these latest open market purchases, Liberty Media has effectively increased its stake in Sirius XM Radio to ~48.8% (depending on varying calculations accounting for employee stock options and convertible debt).

On Friday, August 17th, Liberty Media withdrew their previously amended application with the?Federal Communications Commission (FCC) requesting?consent for ?de facto? control of Sirius XM Radio and simultaneously?replaced that filing with a new FCC application for consent to transfer ?de jure??control. Liberty Media had made it very clear in their Schedule 13D filing with the SEC that the company intended to ?acquire beneficial ownership of additional shares of common stock that, together with its current beneficial ownership, would represent more than 50% of the outstanding shares of common stock? and ?assert control? over Sirius XM Radio upon receiving FCC approval.

These latest open market purchases also comes on the heels Liberty Media announcing on Tuesday, August 14th that they had entered into yet another Forward Purchase Contract with an undisclosed counterparty to acquire?41,087,753 shares of Sirius XM Radio at approximately $2.047 per share and that they had also acquired?89,970,000 additional shares via?open market purchases between August 10th and 14th at prices ranging between $2.38 and $2.53 per share. In addition, Liberty Media also announced on August 17th that they had acquired an additional 4,348,369 shares via open market purchases on August 15th and 16th at prices ranging between $2.51 and $2.53 per share, effectively increasing their stake in Sirius XM Radio to 48.1%. Several interviews with Professor of Law Christopher S. Harrison on these matters can be found in the Playground Radio Archives.

Disclosure: Long SIRI
Contact the author:?DemianRussian@SatelliteRadioPlayground.com

Source: http://satelliteradioplayground.com/2012/08/29/liberty-media-nasdaqlmca-acquires-more-of-sirius-xm-radio-nasdaqsiri/

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Make Your Own Quick Reference Posters for Google Web Fonts to Keep Track of the 500 Free Typefaces [Fonts]

Make Your Own Quick Reference Posters for Google Web Fonts to Keep Track of the 500 Free TypefacesGoogle's collection of free fonts are a great way to spice up any presentation or design you're doing, but considering you have over 500 to choose from, it's a bit overwhelming. To make the task of choosing a font less daunting, tech blog Digital Inspiration has put together a series of reference posters for easy printing.

Google's free front collection is great, and it's not limited to use in Google Docs. You can download them for use in Office, Photoshop, or anywhere else. The best part is they're open source, which means you can use them for commercial products as well. Digital Inspiration has already put together reference posters for each font collection, but he also provides a guide if you'd like to customize and make your own. If you're looking to learn a little more about which fonts work best where, check out the previously mentioned Type Connection.

Quick Reference Posters for Google Web Fonts | Digital Inspiration

Source: http://feeds.gawker.com/~r/lifehacker/full/~3/UkWsq7gDhWo/make-your-own-quick-reference-posters-for-google-web-fonts-to-keep-track-of-the-500-free-typefaces

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Estate Planning in California: Safe Deposit Box

Many people utilize a safe deposit box to store valuable items. A person might keep a prized piece of jewelry, an antique watch or their passport in it. What is also commonly found in a safe deposit box is an original copy of a person's will and trust. A will and trust are one of the few legal documents where an original is generally required. I always tell clients to store their will and trust in a safe deposit box, assuming they have one, because it is a secure location.

Frequently, a person will own a safe deposit box in his or her name alone.? Since the asset is held in their name alone, there is the initial concern that access will be prohibited once they pass away. However, the probate code has been amended to allow access to the safe deposit box for specified reasons for certain people. The following explains how a person can gain to the safe deposit box and what they may remove.

First, the person seeking access must have a key to the box. Prob C ? 331(a). It is not enough if the person is a relative or friend of the decedent, he or she needs a key to gain access. Next, this person must showing the bank both of the following (Prob C ? 331(b):? ?
?

(1) Proof of the decedent?s death. Proof shall be provided by a certified copy of the decedent?s death certificate or by a written statement of death from the coroner, treating physician, or hospital or institution where the decedent died.

(2) Reasonable proof of the identity of the person seeking access. Reasonable proof of identity is provided for the purpose of this paragraph if the requirements of Section 13104 are satisfied.

In short, the person needs to show a death certificate and a driver's license to the bank.

Upon satisfaction of Prob C ? 331(b), the bank is required to do the following:

(1) Keep a record of the identity of the person.

(2) Permit the person to open the safe deposit box under the supervision of an officer or employee of the financial institution, and to make an inventory of its contents.

(3) Make a photocopy of all wills and trust instruments removed from the safe deposit box, and keep the photocopy in the safe deposit box until the contents of the box are removed by the personal representative of the estate or other legally authorized person. The financial institution may charge the person given access a reasonable fee for photocopying.

(4) Permit the person given access to remove instructions for the disposition of the decedent?s remains, and, after a photocopy is made, to remove the wills and trust instruments.

In short, the person can remove the decedent's will and trust from the safe deposit box but must make a copy of each.?

Then, the person is to deliver all wills found in the safe deposit box to the clerk of the superior court and mail or deliver a copy to the person named in the will as executor or beneficiary as provided in Section 8200. Prob C ? 331(e).

However, this person is not given carte blanche in regards to removing items. The last part of Prob C ? 331 states:

(f) Except as provided in subdivision (d), the person given access shall not remove any of the contents of the decedent?s safe deposit box.

Thus, if the safe deposit box had a large sum of cash, an Omega watch or the keys to a Ferrari in it, the person would be prohibited from taking these items. The personal representative would be the appropriate party to remove these items from the safe deposit box. A person is appointed the personal representative of a decedent's estate only after filing various documents with the probate court.

If you have any questions please call my office at (408) 866-8382 for a free consultation or email me at s.miri@mirilaw.com.

Source: http://calestateplanning.blogspot.com/2012/08/safe-deposit-box.html

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Wednesday, August 29, 2012

Ann Romney Lifts Republicans Out of Their Rancor (Atlantic Politics Channel)

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

Source: http://news.feedzilla.com/en_us/stories/politics/top-stories/244239994?client_source=feed&format=rss

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Star of the Week: Patricia Rossi, Executive Editor, Psychology ...

Patricia Rossi
Title:
Executive Editor, Psychology
Organization: JohnWiley & Sons
Email: prossi@wiley.com

Born and Lived: Born in Utica New York; went to school in Chicago and Syracuse NY; worked in Chicago, Charlotte NC, New York City, and now, Hoboken NJ, all in the educational and publishing worlds.

Professional Career and Activities: I started my professional life as a graduate student in historical US geography and fairly quickly made the decision to shift to educational publishing, which allowed me a foot in both the academic and business worlds.? I have always worked in educational publishing, but have acquired, developed, and edited in a variety of disciplines and formats: composition, literature, basic skills, history, film, journalism, speech communication, and for the past 8 years, clinical psychology at the graduate and reference level.

Family: Much of my family continues to live in upstate NY where they work in the law and social services.? I have two twenty-something children, one who is starting law school after working at a university press for three years, the other back in college after 4 years in the Marine Corps.? I follow the escapades of their many twenty-something cousins as they look to find their place in this exciting but unpredictable world.

In My Spare Time: I read, follow politics, cook, run my large and uncontainable Weimaraner.

Favorite Books: Out Stealing Horses by Peterson, Post War Europe by Tony Judt, The Golden Compass by Pullman.

Pet Peeves: Use of impact as verb.

How/Where I See the Industry in Five Years: I have no idea?good content will always be important and valued.? How providers will be compensated and who will control the flow is another question.

Source: http://www.against-the-grain.com/2012/08/star-of-the-week-patricia-rossi-executive-editor-psychology-johnwiley-sons/

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SIP Trunk - Sip Trunk -- Effective Communication Platform without ...











Since the inception of telephone systems businesses have been paying extensive amounts to traditional telecommunications company at times reaching to tens of thousands of dollars burning any company's budget to the extent that some business became hesitant to pick up the phone and make phone calls. However the solution is not minimizing your calls, but rather changing the platform your system is in.

A recent report revealed that that traditional telecommunication's company have been charging their customers obscene amounts that are not necessary and in some cases reaching 300 percent to 1000 percent of what the rates should be. According to Australian Communications Minister Stephen Conroy and his New Zealand counterpart Amy Adams, every time you pick up the phone and place a call or log on to the internet using your mobile, Telecommunications Company are over pricing their services without the consumers even noticing it. Both minister proposed to legislate a regulation mechanism, set an industry standard and set a price cap for both retail and wholesale.

The report clearly showed how over priced current rates these companies are implementing, although the proposal is a good start businesses still have to wait for the legislation of whatever regulation is need. But luckily a new and innovative form of communication platform is steadily rising and is projected to hit a 770 percent global growth rate within the next three years mainly because of its ability to cut phone b half without requiring a fortune to deploy.

A SIP trunk or SIP trunking is another service offered by VoIP service providers, the idea of the technology is to use the internet as the main platform of transmission thus reducing dial rates significantly and eliminating the need for primary rate interface or PRIs. The latter is contributes greatly to skyrocketing bills along with other miscellaneous charges such as line rentals.

Although a Sip trunk based phone system still have line rentals, rates are significantly lower and you only need to pay for the actual lines that you use, unlike in traditional phone systems that will require you to have a line for each extension you, meaning you are paying monthly for something that is just sitting around and of no use.

Apart from voice calls, a SIP trunk is also capable of handling other forms of communication stream, like data and other multimedia. It unifies all your communication need into one central place, further reducing your overhead cost.

Lisa Harper is a SIP Trunking Engineer that that aims to help small to medium size businesses to take part in bigger markets and ultimately be an industry leader through effective communication stream.

Keywords: cloud pbx, voip phone system, sip trunks, phone systems, hosted pbx, IP phone system, sip trunking

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Source: http://www.ideamarketers.com/?articleid=3518242

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Tuesday, August 28, 2012

Facebook's oldest user is 101-years-old

Facebook

Facebook COO Sheryl Sandberg posted a photo of Florence Detlor, Facebook's oldest registered user, on Monday.

By Rosa Golijan

The world's oldest woman may have turned 116 on Monday, but she did not get to visit Facebook's headquarters on her birthday. But 101-year-old Florence Detlor, the social network's oldest registered user, did.

Facebook's chief operating officer?Sheryl Sandberg posted a photo which shows Facebook founder Mark Zuckerberg, Detlor and Sandberg at what appears to be Facebook's headquarters.

"Honored to meet Florence Detlor, who at 101 years old is the oldest registered Facebook user," Sandberg wrote on her own Facebook page Monday. "Thank you for visiting us Florence!"

We've asked the folks at Facebook for more info about Detlor's visit and will update when we hear back.

Related stories:

Want more tech news?or interesting?links? You'll get plenty of both if you keep up with Rosa Golijan, the writer of this post, by following her on?Twitter, subscribing to her?Facebook?posts,?or circling her?on?Google+.

?

Source: http://digitallife.today.com/_news/2012/08/27/13510174-facebooks-oldest-user-is-101-years-old?lite

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Getting Credit Card Debt Relief By Way Of Chapter 12 Individual ...

The phrase individual bankruptcy comes from the words ?bancus? as well as ?ruptus?, that indicate ?trademan?s counter? and also ?broken?, correspondingly. The very idea of personal bankruptcy is assumed being 500 years of age or even more. In fact, perhaps the Scriptures demonstrates the recorded description from the thought of individual bankruptcy inside Deuteronomy 15:1-2. Nevertheless, the actual personal bankruptcy that most men and women realize today as being a form of debt help is already quite different from the very idea of a bankruptcy proceeding that been with us through the earlier 1800.

Individual bankruptcy adjusted by way of main innovations considering that the biblical periods. In the usa, personal bankruptcy legal guidelines have been set up underneath the Bankruptcy Code found on Subject Eleven from the Ough.Utes. Signal. These kind of laws and regulations ended up created offer customers any ?new financial start? either through liquidation (Chapter 7) or perhaps reorganization (Chapter Thirteen). Chapter seven a bankruptcy proceeding is the widespread type of bankruptcy offered to shoppers. Nearly all debtors looking for individual bankruptcy decide on ?liquidation? or perhaps ?straight? personal bankruptcy (Chapter 7 bankruptcy) because it?s the simplest and speediest to try to get. ?Personal reorganization? (Part Tough luck), alternatively, is never picked by simply people. Nevertheless, will still be intriguing to know what Part 13 individual bankruptcy is all about.

Chapter Tough luck bankruptcy is a type of debt help that will need you to use your wages to repay the debt. Unlike Chapter seven wherein you need to submit a number of resources to pay back a credit card debt, Part Thirteen lets you reconcile all your debts without having to stop trying your house, your car or truck, or another useful possessions. Alternatively, you just have to persuade legal court that you?ve a sufficient cash flow and you are able to afford to be in your own settlement responsibilities relative to the actual designed repayment plan from the courtroom. This approach is specially great for the majority of borrowers having a continuous income source. Consequently, additionally it is identified from the title ?wage earner bankruptcy?.

The path towards a new thoroughly clean financial slate by means of Phase Thirteen a bankruptcy proceeding is usually a battle on account of qualifications issues along with financial debt eliminate needs. Nevertheless, learning each one of these can make the job a lot easier. So, who are those who can register for pay earner a bankruptcy proceeding? And what are the debt eliminate needs for this?

In order to be eligible for a pay earner bankruptcy, you must demonstrate the actual personal bankruptcy courtroom that you?ve sufficient non reusable revenue in order to meet your settlement obligations. Your current plan should repay specific obligations fully; otherwise, legal court is not going to approve that and permit you to definitely continue. To finance a Chapter Tough luck plan, you need to use the subsequent since your reasons for earnings: normal wage, self-employment income, periodic perform wage, commissions off their perform, Sociable Protection rewards, unemployment advantages, strike advantages, along with other job-related positive aspects as well as additional bonuses, pension obligations, royalties along with the cost of rent, impairment or even workers? settlement positive aspects, general public benefits (well being obligations), along with proceeds from promoting a private property (say for example a company). If you?re betrothed, you need to use the spouse?s salary like a revenue stream.

In addition to an acceptable income source, your finances ought to at the same time ?t be too high so that you can be eligible for Chapter 12. You?ll be disqualified should your guaranteed obligations rise above $1,081,500, even if this sum can always always be altered determined by inflation. In addition, you must persuade legal court you are existing in your income tax filings. You must distribute files on the courtroom displaying which you registered your own federal and state tax returns to the a number of tax decades ahead of the processing involving personal bankruptcy. If you want more hours to obtain your overall in your taxes, the judge could postpone the actual process.

There are particular issues that the individual bankruptcy court requires filers to complete in order that they won?t look prior to them again. 1st, legal court will demand filers to have the pre-filing credit advice. This specific counseling course is usually recommended. It?s just like a preparatory study course that will make a person aware of Chapter Thirteen bankruptcy. A legal court will also need attend fiscal supervision classes. This is self-explanatory. And ultimately, you will end up required to distribute various certs in order to be eligible for a debt eliminate. By way of example, you could be required to existing a certificate that will shows that you?re either current or otherwise not current with spousal support, child support installments, and many others.

Particles looking for Part 13 individual bankruptcy could be a hassle. However, in the event you comprehend the basics, the direction to any clear financial record decreases hard.

Please visit us to learn more about chapter 13 bankruptcy, chapter 13 bankruptcy information, filing chapter 13 bankruptcy.

Source: http://blog-finance-bankruptcy.mysurechoice.com/3394/getting-credit-card-debt-relief-by-way-of-chapter-12-individual-bankruptcy/

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Monday, August 27, 2012

Parenting Tips: Establishing Consequences with Bite - Matt Townsend

Hey Friends, ? ?

Nothing is more frustrating as a parent than knowing that your children aren?t taking you or your disciplining approach seriously. ?Like a cat with a cornered mouse our kids seem to taunt us at times, daring us to discipline them. ?They seem confident by the fact that most of us parents really don?t know what we?re doing nor do we have the stamina or will to keep up with them. ?In order to improve our relationships as parents and to make sure that our discipline can create the results both the parents and children need I?ve put together a few rules to help us along the way.? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ?Recognize Who Is the Real Discipline Problem

Most of us that struggle disciplining our children, lack discipline ourselves.? By not having the discipline to discipline, we don?t allow our children to suffer their own consequences.? We become too protective and actually incubate our child from the real trials and realities of life.? Most of us as parents feel like we?re helping the child by protecting them from life, but in reality we?re only making them softer until they have to learn the lesson at another part of their life.? There is a fine balance between mercy and justice that must learn to be walked by every parent in order to create healthier children.

Tool: ?Ask yourself the question?Do you possess the discipline to effectively discipline your children? ?What can you do today to become more disciplined in your ability to discipline your children??

?

Discipline for Growth, Not for ?Gotcha?

In order for discipline to be truly effective, we should always remember the reason we are disciplining our child in the first place. Is our discipline designed to punish your child for their past behavior or prepare them for a healthier future?? When it comes to your discipline, do you do it more with a spirit of growth or ?gotcha?? ?When our children sense that our purpose for disciplining them is out of our love and desire for them to live a healthier more productive life, then our discipline doesn?t need to seem personal.? We really can just let the consequences of their actions be the teacher, instead of your punitive punishments. This spirit eliminates the competition that can arise between parent and child and open the child up to being more teachable and willing to see that their discipline is good for them.

Tool: ?Ask yourself the question?Are you punishing to ?get them? or our of retribution, or in the moment are you actually trying to enable growth? ?Would three other witnesses in the room agree with you based on your approach, tone and style?

?

Lead with the Principle Not the Punishment ?

We have gotten away from the ?law of the harvest? that every farmer on earth had to learn to survive.? The idea that you ?reap what you sow? or that you can really only expect to harvest in fall what you planted in the spring.? Inherent in every moment of discipline are principles that will govern the process.? One key to creating healthy consequences is to make sure that you personally understand the principle behind the lesson you are trying to teach.? For example, let?s say that after your child returns from school, you hear he had been calling another child names and disrespecting her on the way home from school.? That child?s mother has called you to inform you of his behavior.? So when your child walks in the house, what do you do?? If all of our consequences should flow from our principles, then don?t we need to first establish what principles have been violated?? Instead of taking all of your negative energy from being humiliated about your son?s behavior and starting the punishment process, I would suggest we clearly identify one principle that we would want to work on.? Is your problem with your son?s behavior that he was disrespectful, and you want to help him be more respectful?? Or was it that he was too reactive and you want him to be more in control of his emotions?? You must first figure that out in order to know how you would like to discipline the boy.? By clearly seeing that it was a violation of respect and control, you would probably want to choose consequences that are more likely to grow respect and control.? Instead however, when we don?t know the principle we?re trying to improve, we usually end up losing our own control and being disrespectful to our own child by yelling, spanking and grounding them for their behavior.

Tool: ?Identify the real principle behind each punishment before moving into the punishment phase. ?Let the principle guide the punishment, not your emotion.

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Let Your Child Pick Their Poison

Once we?ve decided what principles were violated by your child, and we really want to create more growth than ?Gotcha?, then we can brainstorm with our child about how they can learn to improve the principle they have violated.? For example, when we understand that our child violated the principle of respect and control, then you can begin to brainstorm ways with your child to improve their ability to better respect others and grow their self-control.? The most valuable part of this part of setting the consequences is the actual conversation and negotiation that will take place between the two of you.? Invite your child to come up with some ways that they can now go and show respect for the girl and the family that he had offended.? Offer your suggestions and invite suggestions from him.? For example, you could suggest that he go over to the family and apologize to the girl and her parents.? Perhaps he could write a letter of apology to the girl and could spend some time alone learning about the impact of respecting other people.? In the end, the forms of discipline are not as critical as the fact that you and your child are actually focusing on the principle that was violated.? Continue with your list until you have enough options that would create real growth for your child in the principle.? This process can also prove valuable for preventative discipline on issues that have been problems in the past and you are trying to set consequences proactively. Once the possible solutions are listed, then let your child pick which of the approaches they most want to complete.? Interestingly, when you are creating consequences for potential or future problems, your child will usually pick consequences that are more severe or strict than you ever would.? That is how you put the teeth in the consequence, simply by letting them set the bar for themselves.? They also are much more inclined to follow a consequence that they created than one you created.

Tools: ?Brainstorm ways or consequences for your child based on the principle that they violated. ?Allow your child to come up with consequences as well and then allow your child to pick the their own consequences based upon your brainstorm list. ?This approach works incredibly well with problems you want to stop in the future as well.

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Reinforce Your Relationship With Love

In the end, we must remember that our primary purpose for disciplining our children is because we love them.? To discipline our children without them feeling some sense of love will leave the message only partially delivered.? Our children want to please us and they want to improve their lives.? The best conditions for growth and discipline in children will be to have a loving family who is by their side, no matter how they perform.? Our unconditional love in the end is nothing more than us modeling a principle and consequence.? Our love ends up being a lesson that they will never forget.

Tool: ?Always reinforce your child with love, showing him/her that no matter what your love will be their in an unconditional way. ?Allow your love to be the governing principle of all of your discipline.

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In the end, you discipline because you care and always remember that they care as well. ?Let?s just not let our lack of discipline destroy our discipline.

Source: http://matttownsend.com/parenting-tips-establishing-consequences-with-bite/

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Small business borrowing woes hurt jobs: NYSE CEO

NEW YORK (Reuters) - A majority of U.S. small businesses are having a tough time accessing funding, holding back job growth and stunting economic growth, Duncan Niederauer, chief executive of NYSE Euronext, said in an interview.

New York Stock Exchange parent NYSE released the results of an annual survey on Monday on the economy, business and job creation. It included 340 CEOs from companies listed on NYSE Euronext markets from 26 countries, and 285 U.S. small business owners.

It was the first time in the survey's eight years that Main Street business owners were included, and 47 percent of them said their capital needs were being met marginally or not at all. Just 21 percent said they have sufficient capital.

Niederauer, who was active in promoting the Jumpstart Our Business Startups Act, or JOBS Act, said that anecdotally he had been hearing for the past couple of years that small business has been having a tough time raising capital.

"Our early sense is that the lack of access to capital is having the biggest impact on job creation," he said.

Two-thirds of the small businesses, which Niederauer called the U.S. job creation engine, do not expect add jobs in 2013, or will be cutting jobs, according to the survey.

Banks are less willing to bet on small businesses than in the past, especially on newer ones that have not yet built a strong credit history, Niederauer said.

Small businesses less than 10 years old have had almost twice as much difficulty in accessing capital as companies that have been in business for over 25 years, the survey found.

Concern over future economic growth, and the amount of costs related to red tape when preparing loans for small businesses, have also put a damper on lending by banks, Niederauer added.

"There is not much profit in a $100,000 loan if you are going to provide that capital at an affordable price, and yet there is a tremendous amount of work that has to be done to make that loan," he said.

The story was slightly better for large global companies, with 43 percent of CEOs saying their need for capital is fully met, while 20 percent said they do not have enough.

But the study suggested that is leading to a spilt-level recovery of the economy, with large companies growing while smaller ones struggle.

There was a disparity between the two groups' thinking on the U.S. economy, with 69 percent of the CEOs of public companies saying conditions were fair, 20 percent saying conditions are poor, and 11 percent saying they are good.

Just under half of the small-business owners saw U.S. economic conditions as fair, 39 percent saw them as poor, and 12 percent said they were good.

"If that all translates to minimal growth and hiring, then that to me is the call to action," Niederauer said.

Aside from its support of the JOBS Act, which was enacted in April and makes it easier for young companies to raise money while reducing regulatory burdens in the startup phase, the Big Board parent in May launched The NYSE Big StartUp, which provides small businesses with micro-loans and mentoring.

(Additional reporting by Rodrigo Campos; editing by Matthew Lewis)

Source: http://news.yahoo.com/small-business-borrowing-woes-hurt-jobs-nyse-ceo-123204061--sector.html

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Health Wellness and Fitness Coach

Health Wellness and Fitness Coach

PAGES


Health/Fitness/Tips

Dr. Mercola interviews Dr. Glaros who practices?biological?dentist

  • About 50 percent of dentists in the US are mercury-free. However, only an estimated 10 percent of those fully understand the health risks associated with dental amalgam. It?s crucial to understand these risks when removing amalgams, or you could risk acute toxicity from the mercury released during the removal process
  • Biological dentists, also known as holistic-, or environmental dentists, operate according to the belief system that your teeth are an integral part of your body and hence your overall health, and recognize that your oral and dental health can have a major influence on other disease processes in your body
  • Amalgam is a major source of environmental mercury pollution. Dental offices must be equipped with mercury separators to elimninate further mercury contamination of our environment
  • Resources for finding a qualified biological dentist are included. You're encouraged to ask questions of your dentist prior to enlisting his services, to make sure the office is truly adhering to holistic dental practices. A dozen questions are offered as a starting point



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Source: http://www.lucille-brasher.com/2012/08/healthfitnesstips-dr.html

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Basic Tips And Ideas For Home Buyers | ABC City Hotels Inc

Buying real estate is an exciting and stressful time. But, if you?re not properly educated on real estate, you may make critical mistakes. Use the valuable tips and suggestions below to keep you from making these mistakes.

When picking an agent for your home search, see how long they lived in that area. For those unfamiliar with the area, advice about the roads or neighborhood itself will be sparse. Ideally, you want an agent that has lived and worked in the same town for ten years or more.

Assume that any foreclosed home that you buy will be in need of repairs. This is because these houses generally sit unattended for a while before they are put up for sale, and this means that there has been no regular looking after and care. Problems might be easy to fix or more severe, so have an inspector take a look at the house before you close on it. It might need a new HVAC system, or pest control services.

Have a moderate approach when you negotiate while buying real estate. The worst thing to do is be aggressive with the price. Simply state your preferences and then let the lawyer and the Realtor handle the negotiations as their job descriptions require!

When making a home purchase, always hire the people you are going to need help from yourself. It?s tempting and easier to go with a house inspector and appraiser chosen by the seller. No one wants to spend money on services that can be had for free. Nevertheless, you are safer in the long run if you find people you know you can trust to protect your interests. Getting to the truth will save you enormous stress and expense in the long run.

See if your real estate agent has a checklist. Checklists cover each step of purchasing your home. They help you through the process of finding the home, making sure you can afford it and securing a mortgage. Checklists are very helpful and ensure that you breeze right through the process from start to finish.

Get an agent or a broker to help you if you want to invest in property. These professionals have access to more research and other useful information that you may not be able to get directly. Useful tools that brokers often have make use of specialized software to search and sort listings on MLS. This specialized software makes your search for a new home more efficient and ensures that you don?t miss any listings.

Do your due diligence when buying any piece of real estate. When buying a rental property, there are several key features that you should be looking for. One of these is sustainability. Will the property come to you in good condition and how much maintenance will be needed to keep it up? Secondly, location of the property is extremely crucial. Location is very important for most properties that will be used as rentals. Consider the needs of your tenants in regards to shopping and access to service providers. The area?s average income is the third key feature. Areas that can command high rent are more desirable than those that can?t. If you are considering a high rent area, you just might find that location isn?t as big of a concern as it would be in a low rent area.

Keep these tips in mind and you?ll have a big advantage as you look for properties. Follow them to learn more about how to get the most for your money. Always remember to make your purchases with full confidence.

from your own site.

Source: http://www.abc-real-estate.com/2012/08/basic-tips-and-ideas-for-home-buyers/

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Sunday, August 26, 2012

NY gunman quiet loner, victim outgoing family man - KansasCity.com

A gunman who killed a former co-worker in cold blood in the shadow of the Empire State Building and then was shot dead by police after he turned his gun on them spent long hours in the quiet of Central Park, photographing hawks and marveling over nature's beauty.

His victim was a gregarious salesman, beloved by his nieces and nephews as the fun uncle who could talk with equal expertise about the New York Jets and the women's fashion accessories he sold.Investigators on Saturday were trying to piece together what caused Jeffrey Johnson, a T-shirt designer, to ambush Steve Ercolino, an apparel company vice president, a day earlier outside the Manhattan offices of the company where they once were colleagues.Police said Johnson hid behind a car and then killed Ercolino with five gunshots as he arrived for work. Johnson then was shot by two police officers who confronted him on a busy sidewalk.Security camera footage showed the officers had only an instant to react when Johnson suddenly turned as they approached and pointed his gun at them, his arm cocked as if to fire.Their encounter was over in eight seconds. The officers, who had been standing nearly close enough to shake hands with Johnson and had no opportunity to take cover, fired almost immediately.Nine bystanders were wounded in the 16-shot volley, likely by stray or ricocheting police bullets. None of their injuries was life-threatening, police said.Police investigating Johnson's killing of Ercolino were eyeing bad blood between them from when they worked together at Hazan Import, a garment district business where Ercolino was a vice president of sales.Johnson and Ercolino had traded harassment accusations when they worked together, police said, and when Johnson was laid off from the company a year ago he blamed Ercolino, saying he hadn't aggressively marketed his new T-shirt line.After Johnson's layoff, neighbors said, he continued to leave his apartment every day in a suit.Internet records listed Johnson as the administrator of the website for a business called St. Jolly's Art, which sold iron-on graphic art for T-shirts. Art for sale on the site included stylized drawings of fighter planes and muscle cars and whimsical "seafaring vignettes" featuring pirate maidens and tall ships.Johnson also was part of a community of bird watchers and photographers who document hawks and other wildlife living in Central Park, a few blocks from his home.In one email to another bird watcher who works at The Associated Press, Johnson wrote tenderly about spending a winter night watching ducks in the park."Near midnight by the Harlem Meer I watched a little 'flotilla' of Mallards swimming and softly honking ... fifteen degree temp and they were carrying on unfazed. Just remarkable," he wrote.His photographs of Central Park's hawk population appeared regularly on blogs tracking the birds.A neighbor who often saw Johnson, 58, said he was always alone."I always felt bad," said Gisela Casella, who lived a few floors above Johnson in a modest apartment building on the Upper East Side. "I said, 'Doesn't he have a girlfriend?' I never saw him with anybody."Ercolino, 41, was described by his relatives as the opposite of a quiet loner.His eldest brother, Paul Ercolino, said he was a gregarious salesman who often traveled, had a loving girlfriend and was the life of any family gathering."He was in the prime of his life," he said. "He would do anything for anybody at any time. ... He was so wonderful with my children. At Christmastime, he was the one who always had the best presents for the kids."Paul Ercolino said his brother, known to nieces and nephews as Uncle Ducky because of his nearly blond hair, had followed his father into the garment industry after growing up in Nanuet, just north of New York City, then later worked in women's handbags and accessories. He said his brother had never mentioned to the family that he had any problems with a co-worker.Hazan Import Corp. executives didn't return phone calls seeking comment Friday.Johnson, after waiting for Steve Ercolino to come to work, walked up to him, pulled out a .45-caliber pistol and fired at his head, police Commissioner Ray Kelly said. After Ercolino fell to the ground, Johnson stood over him and shot four more times, a witness told investigators."Jeffrey just came from behind two cars, pulled out his gun, put it up to Steve's head and shot him," said Carol Timan, whose daughter, Irene Timan, was walking to Hazan Imports at the time with Ercolino.In security camera footage released by the police, Johnson can be seen walking calmly down the sidewalk after the shooting, distancing himself slightly from the other pedestrians, who appear to have no awareness that anything is wrong.But when two police officers approach in a hurry, Johnson turns and pulls a handgun from a bag. Then, the scene explodes into action. People seated on a bench behind the gunman and pedestrians standing close to the two officers run for their lives.Only a young child seems not to react, strolling out of view of the camera as adults all around leap away in terror.Startled New Yorkers later looked up from their morning routines in the crowded business district to see people sprawled in the streets bleeding and a tarp covering a body in front of the tourist landmark."I was on the bus, and people were yelling 'Get down! Get down!" accountant Marc Engel said. "I was thinking, 'You people are crazy. No one is shooting in the middle of midtown Manhattan at 9 o'clock in the morning.'"It was over in seconds, he said - "a lot of pop, pop, pop, pop, one shot after the other."Afterward, he saw sidewalks littered with the wounded, including one man "dripping enough blood to leave a stream."The officers who fired were part a detail regularly assigned to patrol landmarks such as the 1,454-foot-tall skyscraper since the Sept. 11 terror attacks, officials said.Kelly, the police commissioner, said the officers who confronted Johnson had "a gun right in their face" and "responded quickly, and they responded appropriately.""These officers, having looked at the tape myself, had absolutely no choice," he said.A witness had told police that Johnson fired at the officers, but authorities say ballistics evidence doesn't support that. Johnson's gun held seven rounds, they said. He fired five times at Ercolino, one round was still in the gun and one was ejected when officers secured it, authorities said.A loaded magazine was found in Johnson's briefcase.Johnson legally bought the gun in Sarasota, Fla., in 1991, but he didn't have a permit to possess it in New York City, authorities said.Mayor Michael Bloomberg said New York still is the safest big city in the country, on pace to have a record low number of murders this year."But we are not immune to the national problem of gun violence," he said of the shooting, following mass shootings at a Colorado movie theater and a Sikh temple in Wisconsin.The nine people wounded outside the Empire State Building were all from New York City, except for a woman from Chapel Hill, N.C. They suffered graze wounds or other minor injuries.Metal detectors and bag searchers have been standard at the Empire State Building since 1997, when a gunman opened fire on the 86th-floor observation deck, killing one tourist and wounding six others before fatally shooting himself.The skyscraper remained open Friday throughout the mayhem, although its workers became witnesses."We were just working here and we just heard bang, bang, bang!" said Mohammed Bachchu, a worker at a nearby souvenir shop.He said he rushed from the building and saw seven people lying on the ground, covered in blood.Rebecca Fox said she saw people running down the street and initially thought it was a celebrity sighting, but then she saw a woman shot in the foot and a man dead on the ground."I was scared and shocked and literally shaking," she said. "It was like 'CSI,' but it was real."

Contributing to this report from New York were Alex Katz, Samantha Gross, Julie Walker, David B. Caruso, Adam Geller, Karen Matthews, Ula Ilnytzky, Anne D'Innocenzio and Meghan Barr.

Source: http://www.kansascity.com/2012/08/25/3778758/ny-gunman-quiet-loner-victim-outgoing.html

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Isaac casts shadow over GOP convention, campaign

TAMPA, Fla. (AP) ? Undaunted by Mother Nature, Republicans are set to descend on Florida as Mitt Romney's team works to cram four days of events into three after the threat of Tropical Storm Isaac forced the soon-to-be nominee to cut short his national convention.

Officials say they hope to begin laying out a revised schedule on Sunday.

As aides in Tampa scramble, Romney is taking a rare day off the campaign trail at his lakeside vacation home in New Hampshire, receiving updates on the storm and making final preparations for the Thursday speech with which he will accept his party's presidential nomination.

"The safety of those in Isaac's path is of the utmost importance," Romney tweeted after Republican officials announced they had called off Monday's convention proceedings.

Because of possible storm surges and flooding Isaac could bring, convention organizers said they were making contingency plans to move delegates who have been booked into beachfront hotels to other locations if necessary. They indicated the schedule shift also was meant to prevent overburdening emergency response personnel at the height of the storm.

The GOP made the announcement late Saturday, saying that while the convention would officially be gaveled into session on Monday as scheduled, events would be postponed until Tuesday.

With Isaac boring down on the coast, President Barack Obama, who was spending the weekend at the Camp David presidential retreat in Maryland, dispatched the Federal Emergency Management Agency to establish a command center and move more resources into the state. Vice President Joe Biden scrapped a planned campaign trip into Florida that was to counter the start of the GOP convention.

Republicans hope to use this week's convention to cast Romney as a determined leader with the know-how to fix the country's economy. They also want to introduce him as a family oriented figure to counter the image of him as a ruthless businessman as Democrats have sought to brand him.

Romney and his wife, Ann, looked to show off the more personal side with a joint interview airing Sunday.

"I wish everyone could see him how I see him, because as a mother, I've seen him, how compassionate he's been with me, as a wife and my raising these small children and how he always valued my work as being more important than his," Ann Romney said in the "Fox News Sunday" interview taped at the family's summer home in New Hampshire.

The candidate described his wife as his "best friend, obviously, and my counselor throughout my life," according to an advance transcript.

While the Romneys reveled in their convention, Obama was due to travel next week to college towns in Iowa, Colorado and Virginia to court young voters and college students. The president's nomination for a desired second term was to come a week later in Charlotte, N.C., during a Democratic convention beginning Sept. 4, right on the heels of the Republican convention.

In an interview with The Associated Press published Saturday, Obama sought to portray Romney as someone beholden to "extreme positions" on economic and social issues. Obama took pains to paint Romney and his running mate, Wisconsin Rep. Paul Ryan, as ideologues at a time when voters seem frustrated by government gridlock.

After a near-constant travel schedule since he was announced as the GOP vice presidential candidate, Ryan was also taking a rare break. Following a Saturday evening fundraiser in Manchester, N.H., he returned home to Janesville, Wis. Aides said Ryan planned a quiet Sunday. Then, before flying to Florida, he was to appear at a Monday rally in his hometown that was likely to offer him a hero's sendoff.

A few of Romney's former presidential rivals were holding events of their own in Tampa. Herman Cain and Minnesota Rep. Michele Bachmann ? both have endorsed Romney ? were appearing at a joint event. Texas Rep. Ron Paul, who hasn't conferred his blessing on the presumptive nominee, was anticipating thousands at a University of South Florida rally.

___

Associated Press writers Philip Elliott and Steve Peoples in New Hampshire and Ken Thomas in Washington contributed to this report.

Source: http://news.yahoo.com/isaac-casts-shadow-over-gop-convention-campaign-091420228.html

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