Newburgh Business-to-Business Sales Representative $30 .00 ...

Are you looking for a strong base salary, great benefits, UNLIMITED commission earning potential and upward mobility? If so, read on!! NWNA has the right sales career for you!

Due to growth of the company, we are searching for enthusiastic, hard-working, and driven B2B Sales Representatives to join our team!

This job will require the qualified candidate to develop a strong customer network, effectively present consumer products to new clients, and close new business. The B2B Sales Representative duties may include but are not limited to:

Local travel to client locations

Enthusiastic representation of Nestle Waters to potential

clients

Systematic solicitation of targeted commercial prospects

through face-to-face contact within a zone (B2B cold calling)

Support and implement all program initiatives for targeted

solicitation of commercial prospects.

Complete daily card scanning, logging 50 plus daily

activities.

Fully develop new accounts at inception considering the full

line of dispensers, 3/5 gallon, small package, POU

Filtration, cups, and allied products.

Follow up on leads and prospects for small commercial

businesses.

Provide large commercial sales leads to Key Account Sales

Manager.

Adhere to proven and structured selling process and pricing

guidelines

Requirements:

Successful Candidates Will Possess:

1-2+ years of Outside Sales experience (B2B preferred)

High School Diploma, GED or Equivalent Work Experience

(Bachelors Degree preferred)

Strong communication skills

Competitive nature

Demonstrated ability to close new business

Ability to excel in a fast-paced, high energy environment

Nestle Waters Offers:

Competitive base pay, an addition to uncapped monthly

incentives, quarterly bonus up to 30% of base pay, annual

merit increases, monthly transportation allowance of $500

plus $200 gas card. High achievers have unlimited earning

potential.

A comprehensive benefits package, including paid holidays

and vacation, profit-sharing, matching 401(k), medical,

dental, vision, disability, life insurance, educational

reimbursement, etc

Here's YOUR opportunity to capitalize on a genuine career opportunity! If you are a motivated, high energy individual who is looking to take the next step in their career, APPLY NOW!

About Us:

Nestle Waters Direct and our trusted brands are well known throughout the United States by our familiar trucks and courteous, dedicated service experts that deliver pure, refreshing bottled water to places where people live, work and shop. Through presence, flexibility and innovation, we satisfy consumer and business needs for convenience, health and wellness. We lead the bottled water market with the following top-selling brands: Poland Spring, Arrowhead, Deer Park, Ozarka, Zephyrhills, Ice Mountain, Nestle Pure Life, AccuPure, San Pellegrino and Perrier

Equal Opportunity Employer

M/F/D/A/V

Keyword Terms: Sales, B2B, Outside, Door to door, Outside Sales Rep, B2B Sales Rep, Sales, Outside, B2B, Sales Rep, Sales Representative, Outside Sales Rep, B2B Sales Rep, Commercial, door to door, business to business, account rep, account executive, account manager, business-to-business, Business to business, Sales Rep, Outside Sales Representative, Door to door, Direct Sales, Entry level, outside sales jobs, sales reps, food industry sales rep, b2b sales rep, outside sales rep jobs, sales rep wanted, commission, salary, salary jobs, Merchandiser, Sales Merchandiser

Careers.org gives you access to over a million jobs and career opportunities across the US including in Elmsford. Find your perfect job and apply directly through a simply online application process

Source: http://jobs.careers.org/job/JHP84X6C2JLW7B9C6FR/Newburgh-Business-to-Business-Sales-Representative-$30-00-Base

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Colo. brewery says river water tainted by wildfire

FORT COLLINS, Colo. (AP) ? The maker of Fat Tire beer says it's using a reserve water supply because the water in northern Colorado's Poudre (POO'-der) River is tainted by a wildfire that destroyed hundreds of homes in June.

New Belgium Brewery objected when it was told it will soon have to go back to using water from the river. The company says if that happens, it would kill the flavor in the beer and make it undrinkable.

According to KUSA-TV (http://tinyurl.com/8s5g7oy ), the brewery is working with Fort Collins to continue using the water reserve.

The High Park Fire west of Fort Collins was one of the most destructive in Colorado history. It burned more than 250 homes, killed one person and scorched 136 square miles of mountain terrain.

___

Information from: KUSA-TV, http://www.9news.com

Source: http://hosted2.ap.org/APDEFAULT/aa9398e6757a46fa93ed5dea7bd3729e/Article_2012-08-30-Smoky%20Beer/id-b954b751713444d5acfdfdcf03938480

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No comments - News and Information from Hackley Public Library

Skipping Christmas
By Grisham, John
2003-10 - Doubleday Books
9780385508414 Check Our Catalog

Imagine a year without Christmas. No crowded malls, no corny office parties, no fruitcakes, no unwanted presents. That's just what Luther and Nora Krank have in mind when they decide that, just this once, they'll skip the holiday altogether. Theirs will be the only house on Hemlock Street without a rooftop Frosty; they won't be hosting their annual Christmas Eve bash; they aren't even going to have a tree. They won't need one, because come December 25 they're setting sail on a Caribbean cruise. But, as this weary couple is about to discover, skipping Christmas brings enormous consequences-and isn't half as easy as they'd imagined.
A classic tale for modern times, "Skipping Christmas offers a hilarious look at the chaos and frenzy that have become part of our holiday tradition.
A fun story from an unexpected source...John Grisham.? Of course he did a light hearted number after his many legal themed bestsellers about an almost pro football player who was recruited to Italy, I believe it was called Will Work for Pizza.? Skipping Christmas has an appropriately named family, the "Kranks", a middle aged couple who's subruban life and holiday expectations exceeded the joy they should find in the season.? With the daughter off on world adventures, they "cancel" Christmas after Mr. Krank discovers as an accountant, the receipts from last Christmas of over $6000.? It was cheaper to go on a cruise!? So that was the plan-wrought with mishap and clashes with disrupting the "status-quo" of suburbia, the book ends with a warm Charlie Brown-ish epiphany.
?More

Source: http://hackleypubliclibrary.blogspot.com/2012/08/summer-reading-week-10_30.html

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Samsung reveals new Galaxy Note II

NEW YORK (AP) ? Fresh off a legal battle with Apple, Samsung is announcing a new version of the Galaxy Note, an offbeat, oversized smartphone that's become a surprise hit.

Samsung, the world's largest maker of phones, is revealing the Galaxy Note II at a trade show in Berlin. The 5.5-inch screen is narrower but longer than on the first version. The processor is faster, and the software has been further adapted for the included stylus ? the phone's signature feature.

While Apple has been releasing a new smartphone model each year, Samsung makes several to target different types of customers. That includes low-end phones for price-conscious customers. As a result, Samsung has been selling more smartphones than Apple this year.

The Note runs on Google's Android operating system but isn't among the phones that Apple is asking a judge to ban from the U.S., after a jury in California ruled last week that some of Samsung's Android phones violated Apple patents. The jury awarded Apple $1 billion in damages in a high-profile case that could force Samsung and other Android phone makers to rethink their designs.

The Note is designed to work well with a stylus for jotting notes and drawing on a screen, while styluses for other devices tend to be an afterthought. The Note's large screen also makes the phone more like a tablet and more suitable for playing games and consuming content. Samsung started selling a tablet version of the Note this month.

Samsung Electronics Co. says it has shipped 10 million first-generation Galaxy Note smartphone in one year.

Samsung says the new phone will go on sale in Europe and Asia in October. It did not say when it would launch with a U.S. carrier.

Source: http://news.yahoo.com/samsung-reveals-galaxy-note-ii-170443482--finance.html

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Outsourcing Virtual Assistant Tasks: An Ideal Business Strategy ...

• 

In the recent economic downturn, many businessmen almost lost all opportunities to expand or sustain income generation. High cost of labor and problems in the economy as a whole changed every perspective they have. Just when everything seemed hopeless, outsourcing and offshore employment came to be and saved every hope that an entrepreneur has.

Outsourcing is a growing employment trend all over the world. The Internet, with its capacity to defy time zones, made all these possible. In outsourcing, a businessman can hire employees anywhere around the world without necessarily breaking their bank. In the United States, employers can save up to 70% of in wages. With a cheaper employment cost, less need to provide employee benefits and reduction of other operational expenses such as office space and equipments, start-up businesses will surely thrive.

Tasks that You Can Outsource to a Virtual Assistant

A virtual assistant is a person who primarily acts as an office staff. But unlike the conventional office-based employees, the big difference is they work at a different time zone. They rely on instant messaging programs and email to perform their duties and communicate with their clients. To name a few, the tasks that you can delegate to a VA are the following:

• administrative works
• web development
• web design
• content writing
• SEO services
• telemarketing

These jobs are in-demand nowadays because of the popularity of business websites and online marketing as viable leads for international business growth. Business-wise, it is more practical to hire offshore employees because of the significant cost reduction it can offer while having the same or higher quality of services. As an entrepreneur, you should always go for every business opportunity.

Experience how outsourcing can reshape your business. Hire a virtual assistant from a reliable VA outsourcing company now!

Source: http://www.moderndignity.com/outsourcing-virtual-assistant-tasks-an-ideal-business-strategy/

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Illinois golf at a glance

published online: 8/29/2012

'); }// end if BOYSIllini West

Coach -?Harold Northup (17th season)

Returning letterwinners -?Brody Rothert, Jr.; Austen Totsch, So.

Promising newcomers - None

Advertisement

Outlook -?The Chargers are a small and relatively young and inexperienced squad. Gone is Evan McGaughy, who finished ninth at last year's state meet. Rothert and Totsch will try to carry the torch the next two years.

West Central

Coach -?Daniel DeWees (first season)

Returning letterwinners -?Austin Meyer, Sr.; Jeff Colwell, Jr.; Kyler Engen, Sr.; Brooke Bessine, Sr.; Cierra Pulse, Jr.; Abby Hubbard, Sr.

Promising newcomers - Landon Bowman, Fr.; Trey Wood, Fr.

Outlook -?The Heat look solid again this year, led by Meyer, a sectional qualifier a year ago. Bessine and Pulse qualified for sectionals on the girls side. The Heat should be competitive in most meets and look to send several golfers to the state meet in October.

West Hancock

Coach -?Dan Buelt (fifth season)

Last year's record - 23-8

Returning letterwinners -?Parker Gibbs, Sr.; Jared Wiemann, Sr.; Lucas Brunenn, Sr.; Brenton Sanderson, Jr.; Trevor Knipe, Jr.; Drew Beeler, Jr.

Promising newcomers - Anton Coyner, Jr.; Bryton Hopp, So.

Outlook -?The Titans return five of their top six players from a year ago and have a strong contingent of younger players and will be one of the stronger teams around.

GIRLSWest Hancock

Coach -?Rusty Pitt (fourth season)

Last year's record - 21-12

Returning letterwinners -?Carly Runge, Jr.; Shelby Koehler, Jr.; Amanda Whitcomb, Jr.; Maddie Rodeffer, So.; Katie Schafer, So.

Promising newcomers - Amber Froman, So.; Sydney Metternich, So.

Outlook -?The Titans advanced to sectionals last year as a team and look to take that next step and move on to state as a team.

- By Matt Levins

Source: http://www.thehawkeye.com/story/Illinois-golf-capsule

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Sony's 84-inch 4K Bravia KD-84X9005 hits the IFA show floor, we go eyes-on

As ever, Sony's IFA press conference was a veritable storm of products, but CEO Kaz Hirai was clearly the most excited about the company's new 84-inch 4K TV, the Bravia KD-84X9005, and after beholding the thing for a bitt alongside a scrum of fellow tech journalists in the Sony booth at IFA, it's pretty clear why. The thing is beautiful -- and yeah, we can confirm, as Kaz suggested, that you really do want to stick out your hand and touch the picture when you're standing in front of it, particularly, when the video cycled through images of the ocean, with water droplets hitting the screen.

It 84 inches, this thing is a beast, with at least a dozen or so folks standing comfortable around it to catch a glimpse of the display. The Bravia is surprisingly thin for such a beast. There are speaker bars attached to either side of the display, with a control panel along the bottom. The stand consists of two metal bars holding up what's surely a weighty set. Check out our eyes-on video after the break.

Gallery: Sony 84-inch 4K Bravia KD-84X9005 hands-on

Continue reading Sony's 84-inch 4K Bravia KD-84X9005 hits the IFA show floor, we go eyes-on

Filed under: Displays, Home Entertainment, HD

Sony's 84-inch 4K Bravia KD-84X9005 hits the IFA show floor, we go eyes-on originally appeared on Engadget on Wed, 29 Aug 2012 11:07:00 EDT. Please see our terms for use of feeds.

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Source: http://feeds.engadget.com/~r/weblogsinc/engadget/~3/GcHopIrfaw4/

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Curiosity beams new will.i.am song from Mars

Will.I.Am, with Black Eyed Peas, speaks at Nasa's Jet Propulsion Laboratory Tuesday Aug. 28, 2012, in Pasadena, Calif. The NASA rover Curiosity beamed to Earth his new song "Reach for the Stars" on Tuesday in the first music broadcast from another planet, to the delight of students who gathered at the Jet Propulsion Laboratory to listen. Earlier, engineers uploaded the song to the rover, which landed near the equator of Mars, and played it back _ a journey of some 700 million miles. (AP Photo/Nick Ut)

Will.I.Am, with Black Eyed Peas, speaks at Nasa's Jet Propulsion Laboratory Tuesday Aug. 28, 2012, in Pasadena, Calif. The NASA rover Curiosity beamed to Earth his new song "Reach for the Stars" on Tuesday in the first music broadcast from another planet, to the delight of students who gathered at the Jet Propulsion Laboratory to listen. Earlier, engineers uploaded the song to the rover, which landed near the equator of Mars, and played it back _ a journey of some 700 million miles. (AP Photo/Nick Ut)

Will.I.Am, with Black Eyed Peas, sings at Nasa's Jet Propulsion Laboratory Tuesday Aug. 28, 2012, in Pasadena, Calif. The NASA rover Curiosity beamed to Earth his new song "Reach for the Stars" on Tuesday in the first music broadcast from another planet, to the delight of students who gathered at the Jet Propulsion Laboratory to listen. Earlier, engineers uploaded the song to the rover, which landed near the equator of Mars, and played it back _ a journey of some 700 million miles. (AP Photo/Nick Ut)

PASADENA, Calif. (AP) ? Will.i.am has premiered his new single ? from Mars.

The NASA rover Curiosity beamed to Earth his new song "Reach for the Stars" on Tuesday in the first music broadcast from another planet, to the delight of students who gathered at the Jet Propulsion Laboratory to listen.

The song had been uploaded to the rover, which landed near the equator of Mars, and played back ? a journey of some 700 million miles.

The musician, who promotes science and mathematics education, was among more than a dozen celebrities who were invited to JPL to watch Curiosity's landing earlier this month. Others included Wil Wheaton, Seth Green and Morgan Freeman.

In 2008, NASA beamed the Beatles' "Across the Universe" into the cosmos to commemorate the 40th anniversary of the song.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/b2f0ca3a594644ee9e50a8ec4ce2d6de/Article_2012-08-28-Mars-Music/id-ef5edea8638c4db2bf7c68a1c934bef4

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Paul Ryan Explains: Rape Is Just a "Method of Conception" (Little green footballs)

Share With Friends: | | Politics - Top Stories Stories, News Feeds and News via Feedzilla.

Source: http://news.feedzilla.com/en_us/stories/politics/top-stories/243884492?client_source=feed&format=rss

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How to start Dre Beats up an online streaming radio station ...

Quite often either due Dr Dre Beats to a lack of FM frequencies available, cost constraints, or as a way of testing the waters before committing to a FM radio station installation, it is possible to start up an online streaming radio station rather than a traditional broadcasting station. An online streaming radio station can be as basic as a completely computer based system, where music is simply played back along with occasional station IDs.

Alternatively you can opt for a more indepth setup, Dre Beats which could include other equipment such as a mixing desk, microphones, music, audio equipment, compression gear, audio cables, cd player, phone in system, headphones, microphone stands, etc. As a minimum, the equipment you will require is computer with a high speed internet connection.When it comes to how to start up a online streaming radio station you have available a wide range of options to choose from. You need to consider what format you want
Beats By Dre Pro to broadcast, as well as the sound quality you want. The higher the audio quality, the more data you will use. Bear in mind that a stream radio station is in operation for 24 hours a day, every day of the month, so even on a rate of 24 kbps, this adds up to be quite a considerable amount of data being used.

Note also, that if you are going to use your existing internet connection for downloading files whilst you are also streaming, to ensure that you have sufficient bandwidth available. If you run out of bandwidth, your streaming station may Beats Lady Gaga HeartBeats be affected.When it comes to the equipment for your online streaming radio station, it is possible to get it set up with very basic equipment, which is not possible when setting up a station broadcasting on an FM frequency. For a somewhat more advanced, professional sounding streaming radio station, the equipment you may have in your studio could include

Source: http://microadvert.net/node/120130

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Kitchen Renovations Sherman Oaks - Tims New Construction

We will enable you to sort by way of endless possibilities of layouts, styles, lighting, fixtures, accessories and more ? transforming your home kitchen into a masterpiece which you and your household will cherish for a lifetime. A kitchen renovation is actually a complex job that is hinged on many distinct variables, involving everything from workspace preparing and color scheme option to time and budget factors.

There are many key elements that need considering before beginning to remodel a Kitchen, including proper planning, budgeting, and execution with the whole process. Sherman Oaks Kitchen remodeling is often as simple as painting walls and replacing a faucet, or it may involve tougher tasks such as taking out the walls and installing new and improved facilities like a heated floor.

We make getting a qualified, expert Kitchen remodeling specialists easy! Let us assist you with any project. Our experts in Sherman Oaks can design, renovate, and make a Kitchen for your home! CA Kitchen Remodeling makes remodeling projects a breeze! Simply request a free of charge estimate and build your home you have always wanted!

Remodeling your kitchen area is really a great solution to update the inner look of your house to make your kitchen area a better match for your lifestyle and needs. With there being numerous actions for some kitchen area remodeling undertaking that may become difficult, it is important that you make detailed decisions before starting. With regards to home kitchen remodeling, cautious and detailed preparing must be a must.

Our Licensed Kitchen Contractors perform every Kitchen Remodeling services in Sherman Oaks

Contact us for a quote Today!! We will allow you to sort by way of endless possibilities of layouts, styles, lighting, fixtures, accessories and a lot more ? transforming your home kitchen in to a masterpiece that you simply and your household will cherish for a lifetime. A kitchen renovation is actually a complex job which is hinged on many distinct variables, involving anything from workspace preparing and color scheme choice to time and finances considerations.

Remodeling your kitchen area in Sherman Oaks doesn?t need to expensive. Whether you need to assemble & install the kitchen cabinets yourself, or have us do everything, CA Kitchen Remodeling Sherman Oaks enables you to get a new kitchen with beautiful all-wood cabinets for less money. That?s lower than the property improvement stores. We offer a lot of options of kitchen cabinet sizes, styles, colors and accessories. We want to allow you to build a kitchen of beauty and functionality.

This entry was posted on Monday, August 27th, 2012 at 8:50 PM and is filed under General Contractors. You can follow any responses to this entry through the RSS 2.0 feed. Responses are currently closed, but you can trackback from your own site.

Source: http://timsnewconstruction.com/Blog/2012/08/27/kitchen-renovations-sherman-oaks-10/

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Commissioner defends police force in NYC gun fight

NEW YORK (AP) ? The police shooting near the Empire State Building last week is a testament to how quickly officers can fire off 16 rounds to take down an armed suspect.

But the nine wounded bystanders attest to another truth: Officers often miss.

Police Commissioner Raymond Kelly reiterated Monday that officials believe that two patrolmen followed proper police protocol once Jeffrey Johnson pulled a pistol on them moments after he ambushed a former co-worker ? an assessment supported by experts on police policy and training.

"When you're told that someone just killed someone around the corner, and five seconds later that person identified as the shooter points the gun at you ... it was the appropriate action to take," Kelly said at an unrelated press event in midtown Manhattan.

Dramatic security video of the Friday morning confrontation shows Johnson pointing the weapon at the officers, other pedestrians scattering and the two officers firing ? one from very close range, the other while retreating.

The police volley instantly killed Johnson, who never returned fire. Stray bullets, ricochets and fragments caused nonlife-threatening gunshot and graze wounds to nine civilians. Two remained hospitalized Monday in stable condition.

Kelly called it "unfortunate" that innocent people were hurt. But, he added, "Thank God, everybody is going to be all right."

Still, the bloodshed was another reminder of the public safety challenges that first emerged in the mid-1990s, when the police department abandoned bulky .38-caliber revolvers and armed officers with rapid-fire, 15-shot semiautomatics. At the time, the department claimed it needed the more modern weapons because criminals outgunned officers.

Experts said the number of bullets fired by the two officers wasn't surprising, nor was the fact that some of them missed their intended target.

"Those 16 rounds could have been fired in literally two seconds," said David Klinger, a University of Missouri criminology professor.

Eugene O'Donnell, a former New York City police officer who is now a lecturer at John Jay College of Criminal Justice, said: "I think people want to hear a magic number" of gunshots needed to take down a suspect.

"There is no magic number," he said.

Analysis shows NYPD officers "routinely, unfortunately, fire shots that miss," O'Donnell said. "It's uncommon for the cops to shoot, but when they do shoot, their hit rate is not very high."

According to the NYPD's annual firearms discharge report for 2010 ? the latest available ? officers fired their guns in 92 encounters ? the lowest number in the 40 years the department has tracked such data. But the same data showed the total number of bullets fired by police increased 24 percent, to 368 from 297.

NYPD officials say recruits are repeatedly cautioned to be aware of their surroundings and to try to take cover and assess a situation before opening fire. But once shooting starts, officers are trained to "shoot to stop" by firing at a target's "center mass," or torso.

"The rule as to how many shots should be fired is how many shots are necessary to terminate the threat," said Ed Mullins, president of the Sergeants Benevolent Association.

Throughout the semiautomatic era, the NYPD officer have been criticized for unleashing large fusillades. Most notable were the slayings of two unarmed men in vastly different settings: Amadou Diallo by 41 rounds while emerging from his Bronx home in 1999 and groom-to-be Sean Bell by 50 shots while sitting at the wheel of his car on a quiet Queens block in 2006.

In both of those cases, the officers who fired their guns were charged criminally but acquitted at nonjury trials.

The Johnson shooting also is under a routine review by a grand jury, but the experts predicted charges were unlikely.

The shooting appeared to be "a reasonable and acceptable use of force," said John Shane, a former Newark, N.J., police captain who also teaches at John Jay. "I have no doubt (the two officers) would not be indicted by a grand jury."

Added Shane: "It's actually a good thing that the video exists in the way that it does. ... This is the rare occasion where you get to see what happened before, during and after police fired."

Wounded bystanders have successfully sued police in the past.

William H. Cooper, who represented a bystander shot in the head by police during a gunfight with a robbery suspect on a Bronx street in 2000, said such cases typically boil down to officers trying to show that "the danger to the public was so excessive that they had every right to discharge their weapon" and plaintiffs arguing that deadly force "created such a danger to others that the risk didn't equal that decision."

In that case, city officials settled with the partially paralyzed man, Wilson Ramos, for $6 million.

In another civil case, the family of a woman taken hostage in 1993 by a bank robbery suspect and then killed by police exchanging fire with the gunman was awarded nearly $4 million. The appeals court found "police violated clearly established protocols and procedures," partly because police guidelines tell officers not to fire when shooting will unnecessarily endanger innocent people.

But in another case, the state's highest court threw out a negligence lawsuit from a woman who was hit by a police bullet during a 2005 shootout between officers and a suspect on a Harlem street. The Court of Appeals found the officers were justified in firing because they had a clear view of the suspect and hadn't seen the bystanders.

___

Associated Press writers Verena Dobnik and Larry Neumeister contributed to this report.

Source: http://news.yahoo.com/police-commissioner-defends-force-nyc-showdown-183521724.html

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American Taliban seeks group prayer in Ind. prison

INDIANAPOLIS (AP) ? An American-born Taliban fighter imprisoned in Indiana will try to convince a federal judge that his religious freedom trumps security concerns in a closely watched trial that will examine how far prisons can go to ensure security in the age of terrorism.

John Walker Lindh was expected to testify Monday in Indianapolis during the first day of the trial over prayer policies in a tightly restricted prison unit where he and other high-risk inmates have severely limited contact with the outside world.

Lindh, 31, a Muslim convert who was charged with supporting terrorists after he was captured by U.S. troops in Afghanistan and later pleaded guilty to lesser charges, claims his religious rights are being violated because the federal prison in Terre Haute deprives him of daily group prayer.

Muslims are required to pray five times a day, and the Hanbali school to which Lindh belongs requires group prayer if it is possible. But inmates in the Communications Management Unit are allowed to pray together only once a week except during Ramadan. At other times, they must pray in their individual cells. Lindh says that doesn't meet the Quran's requirements and is inappropriate because he is forced to kneel in close proximity to his toilet.

The American Civil Liberties Union of Indiana, which is representing Lindh, contends the policy violates a federal law barring the government from restricting religious activities without showing a compelling need.

"This is an open unit where prisoners are basically out all day," said ACLU legal director Ken Falk, noting that inmates are allowed to play basketball and board games, watch television and converse as long as they speak English so the guards can understand.

"They can do basically any peaceful activity except praying," he said. "It makes no sense to say this is one activity we're going to prohibit in the name of security."

Joe Hogsett, the U.S. attorney for the Southern District of Indiana, said he believes decisions about prison regulations are best made by prison officials, "not by convicted terrorists and other dangerous criminals who reside there."

"Mr. Lindh is allowed to pray in his cell; he's allowed to pray wherever he happens to be as many times every day as his religion suggests to him that he should," Hogsett said. "Where the rules must draw the line is how often must prison officials allow prisoners to congregate together?"

Attorneys for the government maintain that Lindh's own behavior since he was placed in the unit in 2007 proves the risks of allowing group prayer.

The government says in court documents that Lindh delivered a "radical, all-Arabic sermon" to other Muslim prisoners in February that was in keeping with techniques in a manual seized from al-Qaida members that details how terrorists should conduct themselves when they are imprisoned.

Lindh's sermon proves "that religious activities led by Muslim inmates are being used as a vehicle for radicalization and violence in the CMU," the government claims.

Falk said Lindh's speech wasn't radical and was given during the weekly prayer that inmates are permitted. He said Lindh was not disciplined for the speech.

The self-contained unit in which Lindh resides has 43 inmates, 24 of whom are Muslim. Inmates are under open and covert audio and video surveillance, and except for talks with their attorney, all of their phone calls are monitored. Prisoners are not allowed to touch their family members when they come for their tightly limited visits. They must speak English at all times except when reciting ritual prayers in Arabic.

Without such tight security, the government claims, the prisoners would be able to conspire with outsiders to commit terrorist or criminal acts.

According to court documents, daily prayers were allowed from the time the unit opened in 2006 until May 2007, when Muslim inmates refused to stop in the middle of a prayer to return to their cells during a fire emergency.

The lawsuit was originally filed in 2009 by two Muslim inmates in the unit. Lindh joined the lawsuit in 2010, and the case has drawn far more attention since then. The other plaintiffs have dropped out as they were released from prison or transferred to other units.

Thomas Farr, a former diplomat who now teaches at Georgetown University and studies religion and terrorism, said common sense suggests that the prison's need for security would outweigh Lindh's religious rights.

Stanford University terrorism expert Martha Crenshaw said prison officials have legitimate security concerns but questioned how dangerous Lindh really was, noting that he was not a leader or an influential cleric. Even the government says Lindh is currently characterized as a minimum-security prisoner.

He had been charged with conspiring to kill Americans and support terrorists, but those charges were dropped in a plea agreement. He is serving a 20-year sentence for supplying services to the now-defunct Taliban government of Afghanistan and carrying explosives for them and is eligible for release in 2019.

"The fact that the charge of conspiring to kill Americans was dropped could be considered evidence that he was not a personally violent jihadist," Crenshaw said in an email.

"Certainly after 9/11 the pendulum has swung toward preventing terrorism at almost any cost," Crenshaw said. "I would like to think that it could be swinging back, but it swings slowly. Once established, routines are hard to change."

Source: http://news.yahoo.com/american-taliban-seeks-group-prayer-ind-prison-171224890.html

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Chocolate bread rice accelerated slim | I need to lose weight

August 26, 2012 maolijief Weight loss benefits

??P>A lot of people in the process of weight loss will not eat high-calorie food, especially bread and rice.In fact, if clever eat bread and rice, but also can improve the effect of weight loss Oh! There you how to eat bread and rice diet.

How to eat bread

A: don?t eat too much on the toast with jam.

Table a: (1.)

The name energy

Strawberry jam (20g) 52kcal

Low calorie strawberry jam (20g) 37kcal

Marmalade (20g) 52kcal

Peanut butter (20g) 116kcal

Foie Gras (20g) 58kcal

Cream (10g) 75kcal

Malin (10g) 76kcal milk

Two: attention to eat sandwiches in the package material.

Table two: (1 people)

Ham sandwich 436kcal

Pork ham sandwich 500kcal

Boiled fish sandwich 443kcal

Grunge tuna sandwich 573kcal

Do not add mayonnaise egg sandwich 435kcal

Egg mayonnaise sandwich 468kcal

Barbecue sandwich 522kcal

Grilled pork chop sandwich 763kcal

Three: eat drink thick meat soup

The use of a variety of low-calorie vegetables meat soup made of thick, rich in dietary fiber, drink the soup, bread will reduce the uptake, but also can absorb lots of vitamins and minerals.

Four: will eat crisp toast

With a soft white toast in comparison, baked crispy toast the chewing frequency natural increase.Because mastication and stimulate satiety central nervous, eat small amounts can be obtained to satiety.

Five: eating food containing dietary fiber bread

Food fiber will inhibit the body of sugar and fat absorption, preventing obesity.

How to eat rice

Method: eat a bowl to eat with

Even with 100 grams of rice, to bowl fitted into a bowl and in small bowls into two bowls of food sense is not the same, the latter will make you eat too much sense, so a small amount can be satisfied.

Two: remember eating rice heat

According to their own understanding and appetite, weight loss of how much it should eat meal, so easy to stick to a diet plan.

Table a:

Rice component energy

Half a bowl of 81kcal

Most bowl 163kcal

A bowl of 244kcal

Sharp a bowl of 326kcal

A bowl of rice 370kcal

A convenient 296kcal

A rice 148kcal

Three: eating rice feed

In rice mixed with low calorie ingredients made with rice or fried rice.It is a bowl of rice component, but because of the material while enabling meal components decrease, even cut other food components, can also be obtained, so that the total energy intake decreased.

Table two:

Tuna, red shellfish Octopus sushi rice 369kcal

Shredded egg sushi rice 426kcal

Mushroom, shrimp, green peas, bamboo shoots fried rice 513kcal

Material less fried rice 575kcal

Paella (Spanish) 263kcal

Cream of rice 344kcal

Eat four: the incorporation of dietary fiber enriched wheat, millet etc.

A number of cereal food, dietary fiber in vivo can inhibit sugar or fat absorption, the role of good to lose weight.In the process of weight loss, do not eat the staple food is not learn the method reducing weight.The staple food is not to eat but eat smart, so as to not only lose weight and can ensure the health of the body.|||nutrition health fitness

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Source: http://www.mmphb.net/weight-loss-benefits/chocolate-bread-rice-accelerated-slim.html

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Insert Coin: SmartThings wants to connect your dog, mailbox and kitchen cabinets to the internet

In Insert Coin, we look at an exciting new tech project that requires funding before it can hit production. If you'd like to pitch a project, please send us a tip with "Insert Coin" as the subject line.

Sometimes you just can't remember if you turned off the toaster oven before leaving the house. Sitting at work, you might wonder, "is my house burning down?" or "should I go home and check?" You could run home, of course, or you could just link that croissant cooker up to the internet and switch it off from your phone. SmartThings promises to let you do just that, offering a system that connects everyday physical objects to a cloud-based control center. The project aims to provide users with a bevy of end-devices -- automatic door locks, thermostats, humidity sensors, presence sensors, power outlet switches and more -- that connect to a router-like SmartThings hub. From here the user can easily see and control these devices on the SmartThings mobile app.

That alone would be pretty handy -- but the SmartThings team decided to take it a step further by building SmartApps, that is, applications for further customizing how SmartThings devices (and the user) interact with the every day objects they're attached to. The platform is going to remain open, too, allowing owners and developers to build custom applications to fit their needs. Better still, the project is on a tight time line, and aims to put its product in backer hands by December -- of course, it'll have to reach its $250,000 Kickstarter goal first. Check out the team's pitch after the break, or hit up the source link below for more details.

Continue reading Insert Coin: SmartThings wants to connect your dog, mailbox and kitchen cabinets to the internet

Filed under: Misc

Insert Coin: SmartThings wants to connect your dog, mailbox and kitchen cabinets to the internet originally appeared on Engadget on Sun, 26 Aug 2012 12:29:00 EDT. Please see our terms for use of feeds.

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Source: http://www.engadget.com/2012/08/26/insert-coin-smartthings-wants-to-connect-your-dog-mailbox-and/

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Plan For Australian Holiday

A australia holiday has much to offer people of all ages. There are so many things to do and see in the Med that you could go there every year of your life and never be bored. The fact that there are over 200 islands in the Med sees to this.

Whether you are looking for a rich cultural experience, a relaxing romantic getaway or a fun-filled, action packed family holiday, a australia holiday will not disappoint. However, it is always a good idea to do a little research before booking your australia holiday so that you can choose the destination which is most suitable to you.

If you are planning to visit more than one australia island, for example, then you will need to look up ferry or boat trip times, so that you can begin to plan an itinerary. Taking a ferry ride between islands is a very pleasant way to spend a day as you can enjoy the deep blue seas and clean air of the australia in style.

Travel will be the enjoyable action regarding leaving ones place of residence for an lengthy trip, one which results in a totally new and exciting experience. One can retain travelling for the whole lifestyle and still there will be spots left unvisited. The desire to discover and see new things can be fundamental to human instinct and results in travelling. Travel may be undertaken for virtually any of the following reasons.

Activities

Once you have sorted out all of the travel arrangements for your australia holiday, you will need to think about the activities you would like to do. There are lots of activities and attractions on offer from cultural museums to theme parks and golf courses. If you plan things right, then you will be able to squeeze in every last activity you would like to experience without too much hassle.

Travel Guide

It may be a good idea to buy a good travel guide or find a detailed australia holiday website as this will assist you in finding the activities and sights which most appeal to you and will help you to more effectively plan your holiday in the Med so that you can get the maximum enjoyment from your trip.

Source: http://www.articlesnatch.com/Article/Plan-For-Australian-Holiday/4120608

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estebandeluca: Longstay Travel Insurance: Travel To The Exten

Whenever anyone is moving out for any tours, the first thing he/she is emphasizing is about enjoyment. They are so much keen on deciding various ways enjoyment that the thing they always miss out is Travel Insurance. Travel Insurance is such an important thing that it is like the basic necessity of any tour but still I dont know why people always forget it and show so such an ignored behavior towards it.

Travel Insurance is a real important thing not because it is providing these facilities but their customer satisfaction is also excellent. At one place they are handling so many customers and at the same time the service level has also not gone down or degraded. This thing at its place is really a big thing.

The best thing what I believe about this Travel Insurance is what sort of work they are doing. These days it is turning out to be of great importance because accidents and loss of valuable thing is very much common. Even when it comes to flight cancellation or flight delay this is the biggest boon.

When talking about different perspective people still thing that it is a sign of luxury which is not at all correct. This is simply to make their long awaiting tours the most memorable one. This is to rectify the problems which they face during their tours and if they face any problem Travel Insurance rectify it.

The way Longstay Travel Insurance is emerging it is not only threatening other travel insurance providers but also inspiring many people of taking Travel Insurance and letting them know the importance of Longstay Travel Insurance and by this securing the life of many.

So now whenever you are planning your any of the vacation going to any part of the world, one thing you are dare to forget is Travel Insurance. Because for the best you owe the best and then you get the best.

Source: http://estebandeluca.blogspot.com/2012/08/longstay-travel-insurance-travel-to.html

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Holistic And Natural Health: Not Just For Folks | ArticlePDQ.com

Inside our society in today?s time, do you know what?s the top concern that lots of people have? That is right?health! There are several different ways in which we could take to become and remain healthy. One way is switching to the natural and natural life-style. You know what? Natural and natural health isn?t simply for people. Owners find out that they can use this great solution to their animals as well.One may ask, ?What is alternative and natural?? Alternative relates to or worrying with integrated or comprehensive systems as opposed to with the research or treatment of individual components. Natural refers to being chemical-free. In terms of holistic puppy attention, the exact same method as for people?eating healthy and healing in the natural method with natural products. No one should confuse alternative and natural products with natural products.Here will be the difference between your three:Holistic: Holistic refers to the attention to bringing tranquility to the animals? health. It also concentrates on the pets entire emotional, mental and actual health in the place of focusing on the methods separately.Natural: A natural solution contains every mineral, vitamin and vitamin your pet needs and also free of compounds and by-products. It?s exceptional for he whole health, wellness and increase levels of energy. As well as being free from chemicals, natural goods are also free from chemicals, man-made shades, types, and/or additives. It is primarily allergen-free, that might result in such a thing from skin irritations to an upset stomach. Naturals also provide important amino acids, meats, omega-3 fatty acids, carbs and antioxidants allowing healthier skin and cover, muscles and bones and solid teeth.Organic: Organic products contain no extra human growth hormone, by-products antibiotics, manufactured fertilizers and bioengineering. It endures an USDA verification process to be able to be authorized and called ?Organic.? Organics are produced on plants that are tested on a normal basis to make sure the merchandise are achieving government standards with national regulations. Because it is using renewal resources It?s perfect for the environment. Essentially, it is made with organic gardening practices merely to make sure that synthetic compounds are not released to the surface water and/or soil.The quality of natural and healthy health for your dog determines the productivity of the total health care program. All facets of the holistic and natural health knowledge combines the pet homeopathy exercise along side holistic pet care and a variation of helpful concepts that contain natural pet health. This will encourage the inner health and wellness of your pet, whether a dog, pet, horse, and any pet in between.The goal of natural and natural health: to supply your animals the greatest knowledge simply because they deserve this wonderful opportunity to live a satisfying and healthier lifestyle.In the long term, your pet will appreciate you going for a wholesome option!

Visit our site for more details about natural skincare products

Source: http://articlepdq.com/health-fitness/holistic-and-natural-health-not-just-for-folks/

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Mortar fire targeting Shiites kills 3 in Iraq

BAGHDAD (AP) ? A mortar attack targeting Shiite worshippers killed three people in eastern Baghdad on Friday, and authorities were investigating whether attackers set off explosions that sparked an early morning fire at a nightclub that left six dead.

Friday's violence was the first in Iraq after several days of calm during the three-day holiday earlier this week marking the end of the holy month of Ramadan. Before the Eid al-Fitr holiday, more than 200 people were killed in August violence across the country.

In the mortar attack, police said an explosive shell landed near a mosque shortly after the start of Friday prayers in the Shiite district of Sadr City. The sermon there was delivered by a backer of the Shiite firebrand cleric Muqtada al-Sadr. Eight people were wounded, including the preacher, Nassir al-Saadi.

Sunni insurgents frequently attack Shiites in an attempt to revive sectarian fighting and undermine the Shiite-dominated government.

In a separate incident, two police officers said attackers set off a bomb and then threw grenades from a speeding car at the Qasr al-Sharq, or "Palace of the East," hotel in Baghdad's downtown Karradah district early Friday. The hotel includes a hall that witnesses say is used as a nightclub.

Six people died and 12 were injured when a fire erupted inside the entryway of the hotel.

Other security officials, including Dhia al-Wakil, spokesman for the operations command in Baghdad, said authorities were still trying to determine if bombs set off the blaze.

"We do not want to speculate. We should wait for the results of the investigation," he said.

Hospital officials, who confirmed the casualties in both the mortar attack and the hotel incident, said victims in the hotel suffered injuries that included smoke inhalation as well as shrapnel wounds. The officials and most police officials spoke on condition of anonymity because they were not authorized to speak to journalists.

Nabil Sattar said he saw the fire at the hotel and rushed to help.

"We rescued some people who were suffering from suffocation, but others were forced to jump from the balconies in order to escape the smoke," he said.

One police officer investigating the fire, who declined to be named, blamed it on an intentional attack by Muslim extremists.

"They have radical ideas that reject alcohol, live music and dancing," he said.

Nightclubs are a form of entertainment considered taboo by conservative Muslims.

Iraqi officials had warned of large-scale attacks during the Islamic holiday, and security measures were tightened in all over the country, especially in the capital. Many public sector employees were given the whole week off, filling parks, restaurants and cafes late into the night.

___

Associated Press writer Adam Schreck in Baghdad contributed to this report.

Source: http://news.yahoo.com/mortar-fire-targeting-shiites-kills-3-iraq-104757099.html

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Apple, Samsung Patent Case Will Test Jury

With so much technical and legal jargon to parse, I suspect most jurors will vote with their gut.

The jury on the Apple case has to digest a dizzying amount of technical and legal details. There are three different classes of patents being discussed: utility/technical, design, and trade dress?basically how a product looks. Jurors sat through more than 50 hours of testimony, including listening to 109 pages of jury instructions. The judge even mandated "stand up breaks" to keep the jury alert. Now, that jury just needs to decide, essentially, if Samsung will continue to sell phones and tablets in the United States.

With so much technical and legal jargon to parse, in the end, I suspect most jurors will vote with their gut. In their closing remarks, both sides made passionate, if over-simplified, arguments designed to appeal to the jurors' common sense. Indeed, evidence aside, the entire trial comes down to which of the following statements you are more likely to agree with:

Samsung's lawyer Charles Verhoeven contends, "Rather than compete in the marketplace, Apple is seeking to gain an edge in the courtroom. It's seeking to block its biggest and most serious competitor from even attending thegame."

Or:

Apple's attorney Harold McElhinny argues, "They sat with the iPhone and went feature by feature, copying it to the smallest detail. In those critical three months, Samsung was able to copy and incorporate the core part of Apple's four-year investment without taking any of the risks, because they were copying the world's most successful product."

After the trial, it will be interesting to see how much the evidence changed jurors' opinions and how much of their judgment was formed in advance. I'm not dismissing the American judicial process, but I follow technology for a living, and even I found the legal and technical details here arcane.

On its face, you might think the two giant tech firms could just split the difference, rather than risk a jury decision. After all, these guys are still business partners. Samsung makes 26 percent of all the components used in the iPhone. And yet, Apple is asking for at least $2.5 billion in damages.

A large number, to be sure, but so is the number of Samsung devices that Apple considers to be infringing on its patents. According to Apple, Samsung has sold 22.7 million infringing phones and tablets in the Unites States. Given the way the Galaxy Tab has fared, I think it is safe to say the vast majority of those were phones. The revenue from these sales is estimated to be $8.16 billion and Apple wants its cut.

By contrast, Samsung is countersuing for a measly $422 million, based largely on technical patents that it licenses widely to almost all cell phone manufacturers. In the course of the trial, these patents have served mostly to muck up the case. Valuing these technical patents is tricky, but it seems clear that Apple will have to pay something for them. For the most part, however, Samsung's patents are just here to balance out Apple claims. The real story is in Apple's broad design patents hold.

There is more at stake here for Samsung than for Apple, and money has very little to do with it. Apple doesn't need the money. It is sitting on the biggest pile of cash in corporate America and the world's biggest market cap to go with it. Apple wants to own the form factor. There is no question its iPhone revolutionized smartphone design and its iPad single-handedly created the consumer tablet market. Credit is undoubtedly due.

The questions now could test any patent or legal expert. What exactly does Apple own? Do consumers really confuse the Galaxy S II with the iPhone 4? And what will happen to the smartphone and tablet markets if Apple's claims are granted? Nine jurors in Silicon Valley are in the weeds trying to answer these questions right now.

And remember, the decision must be unanimous. Can we just skip this decision and move right to the appeal?

---

Follow me on Twitter! http://twitter.com/dancosta

More Dan Costa:
??? Apple, Samsung Patent Case Will Test Jury
??? Inside PC Magazine's September Issue
??? Why the iPhone 5 Won't Be Different
??? Google: The World's Most Inscrutable Company
??? PC Magazine Debuts Retina-Optimized App
?? more

Source: http://www.pcmag.com/article2/0,2817,2408793,00.asp?kc=PCRSS05039TX1K0000762

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A retrospective on family and parents ? Big Bend Now

By Anastacio S. Mil?n

The father?s departing words to his grown children before he died were, ?take good care of your mother and don?t leave her alone.?? The days that followed before the final farewell were going to be very difficult times for the family.? When the oldest of the children arrived home, he shared his grief with his mother and his two brothers and sisters who had remained living in their hometown.

Francisco and Santos Milan

When the oldest brother embraced his mother providing comfort, she said, ?your father is not home; he left this morning and has not returned.?? The son knew that something was wrong; his mother?s mentality had been affected by his father?s death.? This added more to their grief as they remained silent with an understanding and hope that things would turn out well.

One would expect a mother with a devoted, faithful and loving relationship of close to sixty years with her companion would suffer complete breakdown upon losing him.? The mother?s frame of mind was that the head of the family had left for a short while and would eventually return.? Nevertheless, this did not bother her children; the oldest son thought, ?maybe this is a blessing, there is no extreme grief within his mother that will cause total, devastating heartbreak.?

And so, the days passed; the funeral and the father?s departure were a sad memory in his children?s mind and heart.? Their mother had to be cared for and the children knew that their father?s last request had to be fulfilled.? There was to be no question about that.? They were confronted with the task of providing all the care that their mother required.? She was not suffering from extreme illnesses or handicaps; it was to be companionship and ensuring proper attention and care.? That perpetual care was to be from waking up in the morning till the time of retiring at night every day of the week.

During the time that these devoted children took care of their mother, the need for more special care arose.? There were doctor?s appointments, medical treatments, medication, special diets and close monitoring.? The aging process was taking its toll.? The children still remained loving and committed to their mother as they had been from the beginning.

That entire episode and the end of that chapter reached its final point when their mother passed away.? Her children were overcome with sadness for losing their one and only.? However, there was brightness in that departure.? It was the fulfillment and the obedience of honoring their father?s last wish.? It should be understandable that this was not the only reason for such care; there is that endless love in

the heart that comes with the upbringing within a home and family where love, harmony and unity reign and is the dominant factor.? Hopefully, it will carry on with the remaining children from that special family.? For you see: their mother?s words were heard repeatedly;? and they still echo; ?see yourselves as brothers and sisters; help one another and don?t fight.?? Maybe those children will abide by one important from the list of Divine commandments.? Also, it has been one of their mother?s long lasting desires.

An Alpine native, Anastacio S. Mil?n is a retired public school educator, a sometimes contributor to The Big Bend Sentinel, and a columnist for the Zavala County Sentinel in Crystal City, his hometown. The death of his mother, Santos Salinas Mil?n, 83, of Alpine on August 13, and his father, Francisco Mil?n, in 2003, prompted this retrospective.

Source: http://bigbendnow.com/2012/08/a-retrospective-on-family-and-parents/

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Precisely how Social networks Help Build Companies

Home ? business ? Precisely how Social networks Help Build Companies

Marketing With Anik 2.0

Many get ventured into employing online social networks in his or her enterprise advancement technique and for good purpose! Internet marketers have learned to recognize that social networking on the internet is a great technique when it comes to developing a good basis for their corporations!

Allow me to share Three important components each and every online business advancement technique needs that could be provided when utilizing internet websites!

Backlink building

Something social sites are capable of doing for just about any online business would be to create backlinks along with other people and also companies! Obtaining inward backlinks from an assortment of roots on the internet assists raise the search engine rank of your personal website! This generally means a lot more free traffic that?s remarkably targeted and of course the most effective kind you can get! Simply, getting proceed backlinks and thus areas a lot more consideration in your website which is one more reason social networking on the internet is an efficient strategy for entrepreneurs!

Personalisation

Building an internet brand is something that can help you feel a lot more competitive as it enables you to ?stand out? business entrepreneurs! The necessity to often be identifiable is essential in the very competitive world wide web setting! Creating your brand will assist you to just do that product this can be generally done by ?reinforcing? the id you have decided as often since you can! When virtually any professional engages in social networking on the internet, this simply generates yet another ?venue? by which they can create and also establish a brand! Keep in mind, these types of communities can be be extremely viral anyway which explains why these are so successful pertaining to brand advancement!

Traffic Producing

We all chatted over regarding how building links speeds up the search engine targeted traffic you obtain! Another source of targeted traffic you may expect will be not merely members of sites you are working and also people who have already been referenced by these types of people! The viral probable offered any time marketing in internet websites is important in the event you take into consideration that website people likely ?belong? along with other web sites at the same time! Much like a good onion that has numerous tiers, there is no informing wherever on the internet your current backlinks may end up! Managing the incredible powers regarding viral advertising and marketing should invariably be goal of each online business advancement technique!

Social networks are being typically used as part of many marketers enterprise advancement technique sufficient reason for achievement! Even though social networking on the internet really does require an emphasis being positioned on partnership creating it?s proven to be a great technique! The 3 parts each and every online business needs are analyzed over and can always be acquired any time social networking on the internet! This can help to explain the recognition with this quite effective technique and also why you ought to take into account integrated this approach is likely to advertising and marketing combine at the same time!

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Source: http://www.restaurantmarketing360.com/precisely-how-social-networks-help-build-companies/

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Ennora Binaural Beats Meditation, Health & Fitness

• Hundreds of New Bad Credit Loans Available without Credit Checks

  Badcredit-loans.net offers consumers across America the simple and easy way to access funds fast. Auto, pay day and personal bad credit loans available online with absolutely no credit check required. (PRWeb August 22, 2012) Read the full story at http://www.prweb.com/releases/2012/8/prweb9798225.htm

• Things to Know About Personal Loans

  When you need to borrow money you have a number of choices to make: bank or credit union? Credit card or home equity loan? Fixed or variable rate? One option you may be considering is a personal loan. If so, what makes these loans different?

• Personal Finance Advice for College Students

  Here's what students heading off to school this fall need to know about managing money.

• Cap Credit an Online Personal Loan Service Receives $207,000 from Venture Capitalists

  Cap Credit a leading online personal loan service raises $207,000 dollars to enhance their customer reach.Lusby, MD (PRWEB) August 21, 2012 Cap Credit personal loan service has raised $207,000 dollars from two venture capitalists for 5% equity in the company. Cap Credit provides a secure environment for individuals looking to get fast cash loans online with no credit or bad credit."We were ...

• Busting the BIG student debt worry: Fees, loans, grants and more...

  Debt. That's one of the biggest financial worries for parents watching their children fly the nest this autumn. But don't despair, university IS affordable - you just have to know how.

Source: http://loans.ptjobsdb.com/categories/36-health-fitness/3245-ennora-binaural-beats-meditation-health-fitness.html

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Finance And Business | How to Create a Budget to Understand Your ...

Budget is one of the important personal finance tools that helps an individual track and understand his spending. It helps him know where his money is going and what his financial position is. This information is crucial for him to keep his spending under control and helps him save money for financial needs, either short-term or long-term.

So, in order to reach your set financial goals, you need to first create your personal budget. In this article, we will discuss on how to create a budget and the areas you need to control spending.

Step 1: Know your monthly income
This is the first step in creating your budgeting. Whether you are a self-employed or a working individual, you need to know your monthly income. In order to know how much you are spending, you need to know how much you are making each month. Put all the sources of your income at one place and add up. Include all the sources of income including your salary, your spouse?s salary (if you are married), rents, and interest from your savings account.

Step 2: Make a list of all expenses
After getting a clear idea on your monthly income, you need to track all your expenses and put them at a place. This can be done by tracking each and every expense you make. Classify all your expenses into different categories, so that it becomes easy for you to know where you are spending the most.

? Food expenses - money spent on milk, groceries, oil, etc.
? Utility expenses - utilities like electricity, water, gas, phone, television cable, etc.
? Education ? monthly fees, bills of extra books purchased, tuition fees, etc.
? Clothing ? laundry, clothes purchased, etc.
? Housing expenses ? house rent, furniture, etc.
? Travel expenses ? car maintenance cost, gas and oil bills, car insurance, licence and taxes, etc.
? Medical/health expenses ? insurance, monthly check-up bills, monthly medicine costs, etc.
? Contingency expenses ? hospitalization expenses, vehicle repairs, home repairs, etc.
? Entertainment expenses ? restaurant bills, gifts, etc.
? Other fixed expenses ? loan payments, credit card payments, etc.

The above mentioned categories are generic; and the number and types of categories vary from person to person. One thing you need to remember is to track even a small expense ? it may affect your savings.

Step 3: Prioritize your spending
After tracking all your expenses, prioritize them as necessary and discretionary expenses.

? Necessary expenses: These expenses are made based on your basic needs and requirements and hence, these are also called living expenses. For example, money you spend on groceries, utilities, insurance, medicines, transportation, debt payments, etc.

? Discretionary expenses: If you have made any expense based on your 'wants' rather than 'needs', then such an expense is called discretionary expense. These expenses are not necessary for your survival. For example, money you spend on vacations, eating out, cosmetics, birthday gifts, luxury clothing, etc. These expenses are completely for entertainment and recreational purposes.

This step is very crucial because it lets you know your spending behaviour ? whether you have made necessary expenses or unnecessary expenses. Reduce unnecessary expenses to save some money for emergency needs.

Step 4: Calculate surplus or deficit
Now, you need to add up all the expenses that come under living expense category and all expenses that come under discretionary expense category. Subtract these two types of expenses from your income.

If the amount is a negative value, then you are in deficit. If the amount is a positive value, then you have generated some surplus, which can be used for savings.

Creating your own budget plan according to your needs is better than downloading budgeting software. You can use spread-sheet to create one. Living without a budget is like driving a car towards unknown destination. A clear budget will help you attain financial stability. So, create a good budget and stick to it.

About Author Rahul Satish : Money Chutney provides insightful articles on saving, investing, budgeting and financial planning. These articles are intended to provide knowledge and make people aware of methods and techniques on personal finance, so they can use it to better their financial situation. These personal finance strategies are targeted towards educated middle class people in India, who typically look for information on how to save money.

Article Source:?http://www.bharatbhasha.net
Article Url: http://www.bharatbhasha.net/finance-and-business.php/389466

Article Added on Thursday, August 23, 2012
LD

Other Articles by Rahul Satish

?Top 10 Books on Personal Finance Many people entering the workforce today are making money, but are struggling to manage it. For many, personal finance is a mystery. They struggle to understand the basic personal finance principles, concepts and ideas. Are you one of those who are struggling to manage money? Then seek assistance from the experts in the field. Read their books and learn the basics of personal finance. Gain the knowledge of saving and compounding your wealth over a period of time. Here is a list of top 10...

Source: http://www.bharatbhasha.net/finance-and-business.php/389466

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