Sunday, March 4, 2012

Should we refinancing our florida vacation home? - Real Estate ...


If we are seriously thinking about a Florida refi. Great for us. Mortgage rates are at historic lows and now may be the absolute finest time to adjust our Florida mortgage for the better.

I think at these new costs, there is certainly a virtual certainty that we are paying too much for our current Florida mortgage.

Do you think the same. Any advice..

Source: http://www.realestateforum.com/new-realtors/26416-should-we-refinancing-our-florida-vacation-home.html

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Podcast Basics For Westfield MLM Business Bloggers | Springfield ...

Podcast Basics For Westfield MLM Business Bloggers

Today?s Westfield direct selling article is for Westfield internet rookies who want to kick up their web marketing a notch by adding a podcast to their Westfield home business blog.

A podcast is a multimedia file that is downloaded for playback on a mobile device such as an iPod or laptop computer. It can be a digital recording of a radio program or, more often, a program produced solely for online distribution. A podcast can be a recording of a webcast: a live Westfield program that is ?streamed? or broadcast on the internet in real time. When this is the case, it is similar to a DVD recording of a live program that you store in the database of your playback device.

A related term is the acronym RSS which probably originally stood for Rich Site Summary feed but is sometimes used for Really Simple Syndication. You have probably seen the term RSS on websites. An RSS feed allows digital files to be downloaded in a standard format. Wilbraham podcast listeners often subscribe to favorite ongoing podcasts. When new podcasts are produced, they are automatically downloaded by RSS applications.

It is fairly simple hardware- and software-wise to product your own podcast for your Westfield online business
. Your laptop may already have recording capability. If not, you can buy any equipment you need in the Wilbraham area.

Westfield business owners operating on a shoestring will be happy to know that basic recording and editing software can be downloaded for free. If you want to get fancy, you can always buy more sophisticated software at Massachusetts specialty computer stores. I recommend using a headset microphone so the mic is always in the right spot to get a clear and consistent recording.

Now the fun part: what will you podcast? The possibilities are endless for Westfield direct marketers. You can record Massachusetts trade show presentations, interviews with founding distributors of your Westfield direct sales company, or create an entertaining pitch about your Wilbraham business opportunity. Let your expertise and enthusiasm shine.

Creating a podcast gives you a chance to connect with potential Westfield customers or downline members in a personal way.

I am Probiotic Cacao Connoisseur Adam Green, a network marketer representing Xocai Xe Energy Drink. I am based in Springfield, Massachusetts.

Are you interested in owning a Xocai Xe Energy Drink online business? My team members are steadily expanding their networks and increasing their direct sales income.

Call me today to start building your own online Xocai Xe Energy Drink business!

Probiotic Cacao Connoisseur Adam Green

Springfield, Massachusetts zip code 01104
801.437.5984 479adampaulgreen@adampaulgreen.com
Xocai Xe Energy Drink residual income opportunity for Westfield home-based business owners.

Join Winner?s Circle today!

I am Adam Green, and I am a Springfield-based Xocai artisan chocolate distributor. I joined Xocai in November 2007. I sell the industry-leading Xocai Xe Energy Drink and Xocai Xe online and in Springfield, Westfield, Ludlow, and Holyoke. Our valued Wilbraham customers recommend Xocai Xe because Xocai Xe truffles chocolate will change your life!.

Winner?s Circle is also a fantastic Xocai Xe Energy Drink home-based business within 65 miles of the Wilbraham area. Massachusetts entrepreneurs can supplement their income by cashing in on a high-demand Massachusetts healthy artisan chocolate market. To learn more about Winner?s Circle, visit http://adampaulgreen.com/youtube/.

Call me at 801.437.5984 to own your own Xocai Xe Energy Drink business in Springfield, Westfield, Ludlow, or Holyoke.

The URL for my personal Wilbraham Xocai chocolate web page in Springfield, Massachusetts 01104 is http://adampaulgreen.com/youtube/. The URL for another one of my 65 Massachusetts Xocai artisan chocolate web pages is http://adampaulgreen.com/videos/. I also have a Massachusetts healthy chocolate page at http://adampaulgreen.com/resources/.

Source: http://healthychocolatecandies.the-adam-green.us/2012/03/02/podcast-basics-for-westfield-mlm-business-bloggers/

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Saturday, March 3, 2012

BP settles Gulf spill lawsuits for at least $7.8B

NEW ORLEANS (AP) ? BP agreed late Friday to settle lawsuits brought by more than 100,000 fishermen who lost work, cleanup workers who got sick and others who claimed harm from the oil giant's 2010 Gulf of Mexico disaster, the worst offshore oil spill in the nation's history.

The momentous settlement will have no cap to compensate the plaintiffs, though BP PLC estimated it would have to pay out about $7.8 billion, making it one of the largest class-action settlements ever. After the Exxon Valdez disaster in 1989, the company ultimately settled with the U.S. government for $1 billion, which would be about $1.8 billion today.

BP still has to resolve claims by the U.S. government, Gulf states and its partners in the doomed Deepwater Horizon project, in which pressure from a well a mile below the ocean's surface blew up a massive drilling rig, killing 11 men and spewing oil into the sea for nearly three months. Those claims from the government could add billions more to its tab, and BP has already paid out billions in cleanup costs and to compensate victims.

The U.S. Justice Department, in a statement, said Friday's settlement is not the end of the road, by far.

"The United States will continue to work closely with all five Gulf states to ensure that any resolution of the federal law enforcement and damage claims, including natural resources damages, arising out of this unprecedented environmental disaster is just, fair and restores the Gulf for the benefit of the people of the Gulf states," the agency said.

BP said it expects the money to come from the $20 billion compensation fund that it previously set up. According to the Deepwater Horizon Oil Spill Trust, current total trust assets are approximately $9.5 billion.

BP's payout estimate includes what the company internally predicts legal fees for the numerous plaintiffs lawyers in the case will be, though the issue has not yet been discussed between both sides, according to a person with direct knowledge of the settlement terms who spoke on condition of anonymity because those details are confidential.

BP anticipates that the separate claims fund run by Ken Feinberg will cease at some point in the near future and that new vehicles will be set up and supervised by the court to pay claims as part of the settlement. People waiting for money from Feinberg's Gulf Coast Claims Facility can take what the settlement vehicles offer them or opt out and make a claim directly to a BP-run entity. If they don't like what they get from that entity, they can sue, the person said. Pending offers before the GCCF will be honored, the person said.

Feinberg declined to comment on the settlement when reached on his cell phone. The trustees that oversee the fund's assets have not yet weighed in publicly. The spill soiled sensitive tidal estuaries and beaches, killed wildlife and closed vast areas of the Gulf to commercial fishing. After several attempts to cap the well failed, engineers finally were successful on July 15, halting the flow of oil into the Gulf of Mexico after more than 85 days.

The spill exposed oil industry failings, and forced BP chief executive Tony Hayward to step down after the company's repeated gaffes, including his infamous statement at the height of the crisis: "I'd like my life back." He was jettisoned off to work for a BP affiliate in Russia and has since left that company. BP's environmentally-friendly image was tarnished, and independent gas station owners who fly the BP flag lost business from customers who were upset over the spill.

The disaster also created a new lexicon in American vocabulary as crews used innovative attempts to plug the spewing well, such as the top kill and the junk shot in which they tried to plug the well with pieces of rubber. As people all over the world watched a live spill camera on the Internet and television, the Obama administration dealt with a political headache, in part because the government grossly underestimated how much crude was spilling into the Gulf.

The main targets of litigation resulting from the explosion and spill were BP, Transocean, cement contractor Halliburton Co. and Cameron International, maker of the well's failed blowout preventer. BP, the majority owner of the well that blew out, was leasing the rig from Transocean.

The Justice Department sued some of the companies involved in the ill-fated drilling project, seeking to recover billions of dollars for economic and environmental damage. The department opened a separate criminal investigation, but that probe hasn't resulted in any charges.

The companies also sued each other, although some of those cases were settled last year. In one of the pending lawsuits, BP has sued Transocean for at least $40 billion in damages.

Trial preparations produced a staggering 72 million pages of documents and included depositions of more than 300 witnesses. The trial also is designed to determine whether Transocean can limit what it pays those making claims under maritime law.

As a result of the settlement that will be filed with the court for approval, the trial that was scheduled to begin Monday has been postponed for a second time. No new date was immediately set.

Transocean and Halliburton have rejected recent overtures to settle their claims with BP and pay billions of dollars, according to two people close to the case who spoke on condition of anonymity because the talks are confidential.

"Delays or deals made by other players do not change the facts of this case and we are fully prepared to argue the merits of our case based on those facts," Transocean said in a statement.

A series of government investigations have spread blame for the disaster.

In January 2011, a presidential commission found that the spill was caused by time-saving and money-saving decisions by BP, Halliburton and Transocean that created unacceptable risk. But the panel also concluded that the mistakes were the result of systemic problems, not necessarily the fault of any one individual.

In September 2011, however, a team of Coast Guard officials and federal regulators issued a report that concluded BP bears ultimate responsibility for the spill. The report found BP violated federal regulations, ignored crucial warnings and made bad decisions during the cementing of the well a mile beneath the Gulf of Mexico.

BP has repeatedly said it accepts some responsibility for the spill and will pay what it owes, while urging other companies to pay their share.

BP established a $20 billion claims fund to resolve many claims out of court. As of Jan. 17, the Gulf Coast Claims Facility has paid out nearly $6 billion from the fund to more than 569,000 individuals and businesses.

BP waived a $75 million cap on its liability for certain economic damage claims under the 1990 Oil Pollution Act, though it denied any gross negligence.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/3d281c11a96b4ad082fe88aa0db04305/Article_2012-03-03-Gulf%20Oil%20Spill-Settlement/id-4ff893aeb8a946d5be86450931993386

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Today on New Scientist: 2 March 2012


The android head in the overhead compartment

The story of scientists who misplaced an android head proves an apt metaphor for the state of humanoid robotics

Daub microchips with plant DNA to weed out the fakes

Electronics engineers have failed to come up with a way to authenticate microchips. The Pentagon is asking whether nature has the answer

Eyewitness videos reveal secrets of Japan's tsunami

Footage of Japan's devastating inundation is providing vital information that will help engineers prepare for the next big one

Feedback: Highway exit with no return

It is probably best not to take some of the unusual road signs spotted by readers at face value... you have been warned

Mutant bird flu virus still as deadly as first thought

The researcher who made an easy-to-catch form of bird flu claims his virus is not really as virulent as reported - but a close look at his evidence suggests it is

Zoologger: The worm that looks like a tree

A newly discovered worm lives inside sponges and has hundreds of branches

How Nazi laws stymied German nuclear dreams

In The Quantum Exodus, Gordon Fraser explores whether Nazi Germany could have had the H-bomb if it had not expelled Jewish scientists

Dead psychedelic chemical gel comes back to life

See how colours oscillating wildly in a responsive gel have been revived by a mechanical trigger for the first time

Thermal flashlight 'paints' cold rooms with colour

A DIY gadget shines different colours of light on a surface depending on its temperature, helping to show where more insulation is needed in a room

Oceans acidifying at unprecedented speed

The world's oceans are acidifying faster than at any time in the last 300 million years, thanks to our carbon dioxide emissions

Broken coral embryos become clone army

The embryos of reef-building corals get torn apart by gentle waves, but the fragments survive and develop into tiny, identical larvae

Subscribe to New Scientist Magazine

Source: http://feeds.newscientist.com/c/749/f/10897/s/1d1a34eb/l/0L0Snewscientist0N0Cblogs0Cshortsharpscience0C20A120C0A30Ctoday0Eon0Enew0Escientist0E20Emarch0E20Bhtml0DDCMP0FOTC0Erss0Gnsref0Fonline0Enews/story01.htm

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Friday, March 2, 2012

Demi Moore Leaves Rehab

Actress has reportedly completed her stay at Utah's Cirque Lodge after suffering medical emergency in January.
By John Mitchell


Demi Moore
Photo: Jason Kempin/Getty Images

Demi Moore has reportedly left Cirque Lodge rehabilitation center and is on vacation at an undisclosed location, E! News reports. After a January 23 health scare landed Moore in the hospital, the actress checked into the Sundance, Utah, amid rumors that the actress was suffering from substance-abuse problems and a possible eating disorder.

Representatives for Moore have not commented publicly on the actress' hospitalization or what exactly she was seeking treatment for at Cirque Lodge.

"Because of the stresses in her life right now, Demi has chosen to seek professional assistance to treat her exhaustion and improve her overall health," Moore's rep said in a statement. "She looks forward to getting well and is grateful for the support of her family and friends."

However, audio of the 911 call made from Moore's Los Angeles-area home revealed that she was experiencing seizures after smoking an unidentified substance and that she had been "having some issues" in the lead-up to the incident.

"She smoked something. It's not marijuana, but it's similar to it," an unnamed female caller told the 911 operator. "It's similar to incense. She seems to be having convulsions of some sort."

"There has been some stuff recently that we're just finding out," another caller added. "She's been having some issues lately with some other stuff, so I don't know what she's been taking or not."

What exactly those "issues" are remains unclear. Cirque Lodge, according to its website, "is considered one of the nation's finest drug treatment centers providing services for alcohol and substance abuse" that offers "a dual diagnosis program, providing individualized addiction treatment and services for co-occurring mental health concerns."

The "exclusive and private" treatment the facility offers has attracted many celebrities dealing with addiction issues, including Lindsay Lohan, Mary-Kate Olsen, Eva Mendes and Kirsten Dunst. Though the location was not disclosed, sources close to the actress tell E! she is "on vacation" and is "in no rush to get back to L.A."

The source continued, "She's on total lockdown and only talking to a small group of people."

Related Photos

Source: http://www.mtv.com/news/articles/1680322/demi-moore-leaves-rehab.jhtml

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Thursday, March 1, 2012

Psychology Experiment Building Language 0.12 - Free Psychology ...

from nestify, nestify2, piperb

PEBL (Psychology Experiment Building Language)

PEBL (Psychology Experiment Building Language) is a system designed for creating psychology and neuroscience experiments and tests. It is cross-platform, with the intention to run the same experiment, unchanged, on Linux, Windows, and Macintosh PCs.

System Requirements:

No special requirements.
Program Release Status: New Release
Program Install Support: Install and Uninstall

Source: http://www.downloadplex.com/Windows/Education/Languages/psychology-experiment-building-language_479813.html

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Associate Senior Care Advisor/Senior Care ... - Job Career Database

Care.com, Inc. is a rapidly growing online marketplace connecting people seeking care services with a national and local network of trusted providers. The Company provides a simple and safe way for families and individuals to manage their care needs. Care.com offers a full breadth of services ? child care, pet care, senior care, tutoring, special needs care, housekeeping and soon other services ? to address the lifecycle of family care needs. The Company was founded in 2006, is venture backed and is based in Waltham, MA. For more information visit the Company?s web site at www.care.com.

This is a home based position in CA (near San Francisco).

Senior Care Advisors help families find the best senior home care or housing options for their elderly loved ones.

Specific Duties/Responsibilities

? Speaking with families over the phone to understand their elderly family member?s condition and needs (expect a high number of phone conversations each day)
? Understanding the senior care services available in the area, visiting those care providers periodically, and building relationships within those service companies
? Referring families to the senior care providers that are a match for their identified needs including level of care, geographic preference, and budget
? Following up with both families and senior care service providers to help facilitate a successful care outcome for each family

Skills/Experience Requirements

? Social workers, geriatric care managers and/or experienced senior care marketing /community relations professionals preferred
? Two plus years assisting seniors and/or their families access appropriate eldercare
? Excellent interpersonal and communication skills ? especially via phone and email, but also in person
? Naturally compassionate and able to connect with others effectively
? Strong organizational skills ? able to work very efficiently and to manage a high volume of activities with very thorough follow-up
? Self-motivated, energetic, tenacious, and persistent ? with a strong track record of career success and a proven ability to thrive in an environment with high performance expectations and limited oversight
? Technologically savvy, comfortable using computers
Education/Other Pre-requisites

? Social Workers, Geriatric Care Managers and/or Senior Care Marketing/Community Relations Professionals
? Bachelor degree (BA, BS)
? Full-time home-based position and will require some phone conversations with families in the evenings

Care.com offers competitive compensation and benefits. We also offer a fast paced, dynamic work environment.
Diversity and openness is an important part of our culture, and we pride ourselves on being an equal opportunity employer.

  • Compensation: FT hourly, bonus and stock options
  • Principals only. Recruiters, please don?t contact this job poster.
  • Please, no phone calls about this job!
  • Please do not contact job poster about other services, products or commercial interests.

Source: http://www.jobcareerdb.com/2012/job-vacancy-associate-senior-care-advisorsenior-care-advisor-sf-bay-area-ca-downtown-civic-van-ness.html

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