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This entry was posted on Sunday, March 18th, 2012 at 11:44 pm and is filed under Uncategorized. You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response, or trackback from your own site.
Anyone who has been watching HBO?s Boardwalk Empire, a historic drama based on the illegal bootlegging activities in Atlantic City during the times of Prohibition, will remember the scene where one of the male characters brings the mother of his child a new kitchen appliance called a vacuum.
At first, the mother refuses to use it, as the loud noise her new kitchen appliance makes startles the couples young son, and despite the obvious convenience she still prefers to sweep with her broom and dustpan. Eventually, however, the advantages of the new kitchen appliance become too obvious to ignore, and the mother is seen using it despite how much it obviously startles her son.
Of course, fans of the show would argue the reason the mother starts using the vacuum is a respectful tribute to the father, since she doesn?t start using it until after he has mysteriously deserted her.
However, I?m not writing this to discuss the hidden cinematic messages of Boardwalk Empire.
What I found surprising was my own personal initial reaction, as I caught myself thinking; Wow, I didn?t realize how long vacuums have been around. After all, the show takes place during Prohibition, and the idea that they had vacuums before World War II was a total shock to me.
And then I paused, and realized, I really have no idea when vacuums were invented, and there was no reason for me to make the assumption that they wouldn?t be around in 1918.
I guess I just jump to the assumption that the majority of discount home and discount kitchen appliances are relatively new kitchen appliances. I couldn?t be more wrong. The toaster oven was first introduced back in 1905, even before the vacuum.
The microwave was first getting patented in the 1930s.
And even some of the more advanced and commonly used new kitchen appliances were developed as long as forty years ago. The discount cuisinart food processor first became available in the early 70s. The crock-pot, or slow cooker, was also introduced around the same time.
Now, some of you may remember a time before cuisinarts and slow-cookers? but surely there isn?t a soul still around that remembers a time before a Shopvac Vacuum.
And in case you were still wondering, the vacuum was first patented by Ives McGaffey on June 8th of 1869?. Over forty years BEFORE the HBO show Boardwalk Empire takes place. In 1901 a British engineer by the name of Hubert Cecil Booth publically displayed a vacuum cleaner? though to consider it anything remotely related to the vacuum cleaners of today would seem preposterous. The new kitchen appliance couldn?t even fit into the home; it was ahorse-drawn, gasoline-powered device that had to be parked outside of a building and had long hoses that would go into the home to be used for cleaning.
Imagine how that would have petrified the son in HBOs Boardwalk Empire?
Anyone can become an Excel consulting San Francisco expert anywhere in the world. There is a lot of money and knowledge to gain as a consultant. All of the tools that are essential to learn about this software are free and available online. Searching on Google, going to the Microsoft site, or browsing through many videos will help people learn about the program quickly and effectively.
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A test is required to obtain a certificate which declares that a learner is a specialist. Microsoft hands out a certificate that allows anyone to become a Microsoft Office Specialist (MOS). This certificate states that the specialist knows to deal with worksheets, data, cells, formulas, and functions.
Regular people who want to become experts must build a very strong knowledge of the program. Consultants have to pass reputable tests in order to become certified software professionals. Microsoft allows people to become specialists and gives them certificates.
More businesses have to carry out their work tasks with the help of computers. As a result, more jobs will open up for software consultants. This worker installs, manages, and troubleshoots the computer applications that companies use to stay competitive in their industries.
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This entry was posted on Saturday, March 17th, 2012 at 11:53 pm and is filed under Business Financial Software. You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response, or trackback from your own site.
CANBERRA, Australia (AP) ? WikiLeaks founder Julian Assange plans to run for a seat in the Australian Senate in elections due next year despite being under virtual house arrest in England and facing criminal charges in Sweden, the group said Saturday.
The 40-year-old Australian citizen is fighting extradition to Sweden, where he's wanted over sex crime allegations. Assange has taken his legal battle all the way to Britain's Supreme Court, which is expected to rule on his case soon.
"We have discovered that it is possible for Julian Assange to run for the Australian Senate while detained. Julian has decided to run," WikiLeaks announced on Twitter.
Assange has criticized Australian Prime Minister Julia Gillard's center-left government for not standing up for him against the potential threat of his extradition to the United States for prosecution over WikiLeaks' release of hundreds of thousands of classified U.S. documents.
Australian police have concluded that WikiLeaks and Assange have not broken any Australian laws by publishing the U.S. cables, although Gillard has condemned the action as "grossly irresponsible."
John Wanna, an Australian National University political scientist, said it was possible for Assange to run for a Senate seat if he remains on the Australian electoral roll despite living overseas for several years.
"If he gets on the roll, then he can stand as long as he's solvent and not in jail and not insane," Wanna said.
Being convicted of a crime punishable under Australian law by 12 months or more in prison can disqualify a person from running for the Australian Parliament for the duration of the sentence, even if it is suspended.
Constitutional lawyer George Williams of the University of New South Wales said that provision of the constitution has never been tested in the courts in the 111-year history of the Australian federation and probably would not apply to a criminal conviction in a foreign country such as Sweden.
"I'm not aware of an impediment to him standing, even if he was convicted," Williams said.
Any adult Australian citizen can run for the Australian Parliament, but few succeed without the backing of a major political party. Only one of Australia's 76 current senators does not represent a party.
Every Australian election attracts candidates who have little hope of winning and use their campaigns to seek publicity for various political or commercial causes.
Wanna said the odds are against Assange winning a seat, but that he could receive more than 4 percent of the votes in his nominated state because of his high profile. At that threshold, candidates can claim more than $2 per vote from the government to offset their campaign expenses. Assange's bill to the taxpayer could reach hundreds of thousands of dollars.
The next Senate election cannot be called before July 2013 and is due around August. Candidates cannot officially register as candidates until the election is called at least a month before the poll date.
Assange's mother, Christine Assange, a professional puppeteer from rural Queensland state, said Saturday she had yet to discuss her son's political bid with him.
She criticized what she called the government's willingness to put its defense treaty with the United States ahead of the rights of an Australian citizen.
"The No. 1 issue at the next election regardless of who you vote for is democracy in this country ? whether or not we're just a state of the U.S. and whether or not our citizens are going to be just handed over as a sacrifice to the U.S. alliance," she said.
___
Associated Press writer Raphael Satter in London contributed to this report.
I. Legal constraints in the Private Placement Stock Secured Loan Planning
Our business offers loans collateralized by free-trading stock. It Operates under the margin loan provisions of Regulation U of the FRB banking code:
Regulation sets out U Certain requirements for lenders, brokers and dealers other than securities, who extend credit secured by margin stock. Margin stock includes any equity security registered on a national securities exchange, seeking as the New York Stock Exchange or the American Stock Exchange, any over-the-counter (OTC) security trading in the Nasdaq Stock Market?s National Market, any debt security convertible into a margin stock; and most mutual funds. The regulation covers entities that are not brokers or dealers, including commercial banks, savings and loan associations, federal savings banks, credit unions, production credit associations, insurance companies, and companies that have employee stock option plan.
My company, founded back in 1999, Operates under Reg U, providing a non-purpose credit loan against viable margin stock. This regulation Allows U.S. to operate provided that the borrower does not use the proceeds for the purchase of any securities margin viable.
In recent years there have been cases of stock loan fast and loose with operators playing the law, making claims that were not justified or allowed. The Internal Revenue Service stepped in not long ago to put at end to stock loan firms touting their loans as ?tax exempt?, for example. These loans are excellent for many uses, but certainly not for avoidance of taxes. When strategizing for a stock-secured loan company, we must look out not just for the obvious compliance requirements but also for those that might be inadvertently crossed. Originally, brokers permitted to take our loans ?on the road? to market them. We found, however, were in their zeal to close the loan, that statements were being made that not true, and so we were forced to close down those avenues, except for foreign transactions where language was a barrier. Control over broker agents is a serious issue in a litigious industry like ours Relatively. This then required a serious system of lead developments. Since our industry is a ?people? industry, Requiring face-to-face discussion of our stock loan product, how it works, and what its benefits are, we put those duties in our HQ, and turned our focus to lead development through selected partnerships. Search partnerships present far less legal liability, but less demand from the agent. II Environmental constraints on a Stock-Secured Loan Business
Thanks Largely to a number of fly-by-night ?loan stock? operators with little more than a website, the stock loan industry has in recent years in some places come to resemble the cheesy and cheap aspects of the mortgage lending industry. Particularly the sub-prime mortgage industry. Individuals who with get-rich-quick visions dancing in their heads put up websites with URLs like ?real stock loan? or ?stockholder loan? or ?capital asset loan? with no loan-to-speak of put up hyperbole-filled nonsense that includes blessings from government agencies (the ?SEC, FRB, UCC compliant!? screams one) or fake testimonials (?Best I ever had stock loan.-B. Smith?) says on pay-per-click operator. And these ARE fly-by-night operators. They have no experience. They have no programs. They see their job as to lure their victims in the way a spider lures in a moth, by whatever means or whatever lies are Necessary, before spinning them off to a real calendar.
In this environment, my company has had to face down the polluting effects of the stock-lender ?wannabees? who know very little about their product and inadvertently create an atmosphere of suspicion in an industry that should not have to deal with that. We combat these environmental factors through our ?Borrower Beware? page and through personal explanations of how these sub-par operations function. ?I put ?stock loan? into Google and they came up on top? one of them said about one firm. We point out that all they had to do was pay for the keyword. Google makes no investigation into the quality of the company, its legal background, the legitimacy of its products. It simply Allows the individual to buy Sun space they can appear as if they are a top ranking URL ? when in fact, they do not appear ANYWHERE in the natural rankings
Only companies that appear high in natural! rankings can be said to be truly legitimate. This is for several reasons. One is that only sites with high ?trust rank? ? the ones that have been listed on Google with no problems for a long time ? are given top ten positioning. The very best of them appear at the top of the natural rankings. Illegitimate companies, or companies that are new, own Thurs not appear high in the natural Google rankings and their rankings Therefore must buy on their.
We work hard to consolidate brokers in the industry. The greediest, most foolhardy among them are often shut down through a combination of lawsuits or state / federal disciplinary action, but many still exist Thurs thanks to the deceptive statements and bought pay-per-click ads on Google. We try to ?out? such sites by bringing them to the attention of regulators, or offer to bring them ?into the fold? with us, where they are required to follow very strict compliance guidelines. Efforts thesis, we hope, will serve to reduce the ?I want to be a stock lender? type organizations. Looking up ahead, it is important to hold the strongest funding system with the best organization and track record because there are two parts to the private placement stock loan business: the ?hub? ? the center where all deals flow in and flow out information and documents, and the ?spokes? ? the funders who feed quality management into the stock loan funding stroke. We operate as the hub as it were, with the very most experienced stock loan operations feeding the system small-time brokers or funders with no history can not succeed in this market space without either joining the hub as a funder, or becoming a part of the Hub?s network development as a lead broker. Either way, they must adhere to strict state legal compliance, both federal and. In this way, my firm works to mold both the environment, and carry out the self-regulation that the regulatory agencies want the stock loan industry to under take. We support law enforcement and securities regulatory actions, to the extent they apply, in our industry and where they do not exist, we seek to implement common sense policies that help protect our borrowers. Education : The Function Key to a Successful Stock Loan
Finally there is the core matter of education. Our stock loan product is by its nature to many people used to unusual mortgages, online banking, and e-trade-type investing. One of our key goals at more Effectively and personally to convey just what our stock loan program entails. We must deal both with law and the environment. We must make it clear that we are not some outfit with no credentials. We must show that the process is secure, and compliant with applicable regulation. We must make sure that they understand the benefits of of our stock loan financing as opposed to a conventional sale or holding their shares, yet encouraging Thurs so with out any buy or sell activity. We must open the Possibility of more tax-wise flexibility, without making any specific statements on how that might apply to their case as we guide them to their tax attorney or CPA. Most of all, we must lift the comfort level of our clients, making it clear that we will not abandon them at any point.
From a strategic perspective, a private placement stock-secured loan company must take education many steps beyond the typical salesman?s view of ?education?. A solid vision of the future can not be had without working with the normal anxiety that comes from proposing to move one?s stocks into a completely new account. We must work to show that the account is safe, that the precedent is there, that they get a solid track record of compliance going back many years. That means that a good company would need to stock up on intelligent, people-oriented staff and the same for lead generators. This is a product people, and and a people business. One can not hide behind the glare of market their computer screen and expect to win in this. Only by looking a prospective client in the eye, answering his questions with authority, and understanding their needs the stock loan can a conclusion take place. Those who know how to educate make the best stock loan purveyors. Ex-teachers are perfect, in fact. IV Conclusion
A company in the stock-ecue must constantly keep an eye on the law and regulation, the environment created by amateur ?brokers? who muddle the industry and must be battled or made compliant, and the importance of education in the process of bringing loans to conclusion. This requires a strategy that remains attentive to legal and environmental change, increasing those skills that will Necessary to convey and close loans. These challenges are ever more intense in times of economic downturn, when more ?wannabee? stock loan operators throw up nets and unsuspecting clients fall into them. At a time when client should be trusting only long-standing firms, we must redouble our market Efforts to educate our.
id=?article-resource?> Daniel W. Stafford, president of Hedge Lender LLC
p> Formerly with the master?s degree, International Business, University of Chicago ?85
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What is a Stock Disclaimer: All content was created and owned Investopedia ULC. Please visit www.investopedia.com for more information. The use of this video is purely for educational purposes only and does not claim any responsibility for any losses or damages incurred from financial decisions made from this video. Viewers are advised that this electronic publication is issued for information purposes and should Solely not to be construed as an offer to sell or the solicitation of an offer to buy any security. The views expressed are based upon our analysis beginning of the issuer?s public disclosures, and both their accuracy and Assumes completeness. The opinions and statements are based on sources included in. (including the companies discussed and public sources) Believed to be reliable and in good faith, but no representation or warranty, express or implied, is made as to their accuracy, completeness or correctness. We have not verified the information contained herein Independently. This information is not intended to be used as the sole basis of any investment decisions, nor should it be construed as advice designed to meet the investment needs of any investor Particular. We encourage you to consult with independent financial advisors with respect to any investment in the securities mentioned start. You should review a complete information package on all companies, Which should include but not, be limited to, the Company?s annual report, quarterly reports, press ? Video Rating: 5/5
If thinking about personal finance brings recollections of extended, boring discussion about stocks and bonds, you have the incorrect impact. Individual finance is about what you do with your income. This article will give you some simple guidelines to comply with about how to make your personal finances tension free.
Check your fiscal assets for a down payment resource. You could be able to money out specific investment accounts and use the income with no penalty, if it is for a major residence. You could also be able to borrow in opposition to specific assets, supplying you the income you need to have. Check with your investment specialist for options.
Don?t just accept any price savings account to maintain your income. You need to have to come across an account that will safeguard your funds in opposition to inflation. Preferably, you need to have a large-generate price savings account. This will allow you get a much better return on your income. Just test whether the principles relating to withdrawing from the account (if you need to have to have entry to the income at small notice), and that there is no investment chance.
Here is some beneficial info for enhancing your personal finances! Shell out down financial loans with large fascination charges first. A lot of people make the mistake of borrowing financial loans at quite large fascination charges. The payments for these financial loans, even so, can be practically 100% fascination if you just make the minimum amount payment. Engage in it risk-free by spending these large fascination financial loans down first.
This is, perhaps, the easiest personal finance suggestion of all, but it so usually gets disregarded. If you want to get cost of your finances and your lender account, you should devote a lot less than you earn. Paying much more than you bring in is a recipe for fiscal disaster.
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Attempt to keep away from personal debt each time possible to have much better personal finance. Whilst some personal debt is inescapable, this kind of as mortgages or education and learning financial loans, you really should operate challenging to keep away from harmful personal debt like credit cards. The a lot less you have to borrow, the a lot less challenging-attained income you will eliminate to fascination and expenses.
When you make note of bills in your test ledger, constantly round up your figures to the following dollar. When you make a deposit, round down. In this way, you will construct a minor padding into your checking account to help you keep away from overdrafts. When your ?slush fund? has created up enough to help you remove monthly expenses, carry on deducting them in any case. They will be set aside in your checking account and will add to your price savings.
Exercising
Exercising caution when you estimate what kind of house loan payments you can pay for. A house loan is a quite extended-expression fiscal proposition. Meeting your payment obligations will be dependent on how much income you will earn about a amount of a long time. Keep in thoughts the likelihood that your income could stay constant or even drop in the future, when you consider house loan payments.
Make sure to test your portfolio on a yearly foundation. Getting astute and re-balancing your portfolio will help your present investments in sync with your fiscal targets and chance tolerance. Rebalancing also reminds a person to sell large and purchase low.
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SCRANTON, Pa. (AP) ? Federal environmental regulators say well water testing at 11 homes in a northeastern Pennsylvania village where a gas driller was accused of polluting the aquifer failed to show elevated levels of contamination.
The Environmental Protection Agency is sampling well water at dozens of homes in Dimock, Susquehanna County. The agency said Thursday it received initial test results for 11 homes.
Regulators say water samples from six of the 11 homes showed sodium, methane, chromium or bacteria, but at safe levels. Arsenic was found in the well water of two homes but at low levels.
A handful of residents are suing Cabot Oil & Gas Corp., saying the Houston-based driller contaminated their wells with potentially explosive methane gas and with drilling chemicals.
Many other Dimock residents assert the water is clean.
