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Thursday, March 22, 2012
Wednesday, March 21, 2012
GOP Nomination Blame Game
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[ [ [['Seeking to elevate his candidacy back to a general', 8]], '28660934', '0' ], [ [['The tragic story of Trayvon Martin', 4]], '28647343', '0' ], [ [['Karzai will get a chance soon to express', 8]], '28630306', '0' ], [ [['powerful storms stretching', 8]], '28493546', '0' ], [ [['basic norm that death is private', 6]], '28413590', '0' ], [ [['songwriter also saw a surge in sales for her debut album', 6]], '28413590', '1', 'Watch music videos from Whitney Houston ', 'on Yahoo! Music', 'http://music.yahoo.com' ], [ [['keyword', 99999999999999999999999]], 'videoID', '1', 'overwrite-pre-description', 'overwrite-link-string', 'overwrite-link-url' ] ]
Source: http://news.yahoo.com/gop-nomination-blame-game-231600184.html
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Tuesday, March 20, 2012
Cut spending much more deeply, House GOP plan says
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Essential News from The Associated Press |
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? ?Associated Press. All Rights Reserved.
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Divine Writers ? Practical Home Improvement Suggestions to Save ...
There has been a significant trend toward green home improvement projects over the past several years if not more. This isn?t all too surprising though, considering the fact that the cost of fossil fuels is always going up. Your average homeowner is now starting to invest in their home so that in the long run they can save some money. Also, resale values are higher if there are meaningful green energy efficient systems and devices in place. You will also save money and bump up the value of your house by simply being proactive, like installing some Energy Star rated doors and windows. If you haven?t ever though about doing any of these things then it might be a good time to now.
However, the average homeowner generally thinks that it is hard to become motivated enough to handle important improvements around the home. We all are familiar with the satisfaction of building something that can be used for enjoyment at a much later date. Then we all know the things that are needed to help and protect the worth of your home. They tend to be enjoyed less, but selling your home and getting top dollar makes it worthwhile.
It doesn?t take expensive cabinets to make an old kitchen look new. You can make your cabinets look completely new and different with a process called refacing. This works with drawers in the kitchen as well as with cabinets. Going just one more step further, choose all new hardware for the handles if you so desire to get the look just right. Refacing cabinets does use solid wood but not a lot of it. Stretched budgets will find this a little friendly as far as home improvement projects.
It doesn?t take expensive cabinets to make an old kitchen look new. There is a process known as refacing that can really transform your cabinets. This works with drawers in the kitchen as well as with cabinets. Another great way to quickly change the look of your entire kitchen is by adding new hardware to the cabinets and drawers. Refacing involves using solid wood but obviously not as much since it is just a thin layer. This makes the cost a little friendlier to stretched budgets.
On a yearly basis, you should get an inspection to make sure that there are no leaks, corrosion or damages. If there is hard water in your home, then there is a huge possibility that mineral deposits can build up in your home. In addition, your hot water pipes should be properly insulated. If so, then you can do a quick inspection of the insulation since you will have to remove it to check the pipes.
It?s definitely a good idea to plan your home improvement projects in an intelligent way. You can try and get the most back from your time and investment by choosing some projects that will increase the value of your house.
It is not always the easiest task while researching about sewa mobil, and I do know your pain. Simply head on over to sewa mobil, and you will find out what we mean when we talk about effective answers. Before I forget, I want to tell you about additional material at sewa mobil.
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Monday, March 19, 2012
Useful Online Marketing Tips For Any Business - Internet Based ...
Online marketing provides avenues to be successful in business. There are many ways to use online marketing to speak with your audience. There are many benefits to online marketing, and this article will show you how to access these benefits.
Give people a way to tell you why they didn?t make a purchase with you. Perhaps there was something about your ad copy or your guarantee that they did not like.
Utilizing email for marketing your business is a great idea. Assemble newsletters with entertaining and informative content that will keep your readers engaged. Make your subscriber feel that you are sending them personal note with helpful, useful information in it, instead of spam. Using newsletters to maintain long term contact with customers demonstrates that you value their return business.
?Guarantee? is a power word in online marketing. People will be more likely to buy from you if they feel they are making a no-risk purchase. Guarantees, in practice, can take any of several different forms. You can try a 90 day guarantee or a lifetime guarantee. The guarantee you choose to offer should be based off the type of product it applies to.
Advertise limited-edition products. Individuals purchase online as they are exhausted by the merchandise their area stores are offering. Instead, they are searching for something that is unique and different. By selling merchandise in limited editions, you will create a higher demand for the product based upon a sense of urgency.
Before even thinking about getting your website ranked, you must put together a well-planned, organized site. This is the first thing a online business owner should know. If your website looks, good you will not have to change it as much over time.
Here?s a tip for your online marketing efforts. Make your customers feel secure that they can feel perfectly safe entering their personal information on your website. You can do this by placing a privacy policy on the top right part of the page. This can put your customers? minds at ease, letting them know their personal information will be securely handled. You can help them feel comfortable that their identities are completely secure when they make a purchase with you.
The key to successful online marketing is recognizing a need or want and filling it. If you know how to start your business you will be better off. If you can resolve a problem or need, then your customers will feel grateful to you and are sure to recommend your business to others.
The strategies that you have just read about can increase the success of your online business. Now, you just need to apply them to your business. You may discover that some adjusting of your approach is necessary. Be bold in exploring new approaches and keep an open mind to progressive ways of thinking.
If you?re a small business owner looking to get a BIG presence online then you?ve found the right place, visit here at Atlanta Online Marketing or Atlanta Internet Marketing for more information.
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ARTICLES MANIAC ? General Resources About new york treatment ...
Drug abuse counseling is vastly important in serving the addicted person overcome the addiction and even start living a very recreational life. Drug abuse causes terrible disruption of the leisure functioning of the human brain. It takes control of the life of the abuser including his/her thinking. The therapy can not be termed as successful unless counseling has been accorded to the patient. modern drug use counseling takes two broad approaches. It begins with the physical withdrawal from the medicine and then the psychological counseling. The final part of the counseling is the rehabilitation. This approach works best in helping all the personnel which are addicted to the abuse of alcohol and medicines (whether prescribed or the illicit). The substance abuse counselors take the view that addiction is a disease that might be treated through proper remedial concentration.
The counseling should given by personnel that are trained and even experienced on human psychology. The counseling should be done depending on the needs as well as interests of every patient. Some patients could choose the counseling to be administered by someone of the matching sex. Others could fancy to be counseled by someone of the opposite sex. Others may prefer the counseling to be administered by someone of the similar age while others may choose to be counseled by older personnel.
The patients should be asked some first questions before the counseling so as to find out its best interests. The patient should also voluntarily agree to be counseled. It?s important to note that drug use counseling is quantity of the solution; it should be combined with other rehabilitation processes like detoxification, tapering, exercising, proper diets, stress management practices, etc. The people which might be undertaking the withdrawal from the abuse of drugs have been likely to experience cruel withdrawal warning signs. These withdrawal conditions cannot be treated by counseling though through the administration of the proper drugs like pain killers, tranquilizers and CNS depressants.
The duration in addition to mode of the medicine therapy counseling differs depending on then age, severity of addiction, the substances misused and the behavior of the patient. If the patient is adolescent then the counseling should be offered for longer era of time. The drug use counseling will in addition take longer time if the abuse has been ongoing for quite long era of time and the patients is severely addicted. The patients that have attempts or imagination of committing suicide, harming themselves or harming others should be offered special counseling.
The counseling could be offered for the in-patient along with the out-patients. Modern counseling involves educating the patient on the effects and even consequences of drug abuse. The short term success of the counseling should be to assistance the patient quit the abuse of drugs. The long term goal of the counseling is aimed at helping the patient live life free of addiction and also tolerance on medications. The long term of drug use counseling also involves preventing the relapse of the abuse of medicinal drugs by the patient. The counseling might be offered for various weeks months or even years depending on the condition of addiction of the patient.
There are 2 varieties of treatments administered in these new york treatment centers namely inpatient and outpatient services. Inpatients stay in a drug treatment programs in new york and lead the lifestyle prescribed by doctors and practitioners
Source: http://articles-maniac.tk/general-resources-about-new-york-treatment-centers/health-fitness/
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Sunday, March 18, 2012
Reproduce Wii Adventures ? 3 Top Stategies to Protect Xbox 370 ...
[unable to retrieve full-text content]Certainly, you are unable to use a run-of-the-mill disc copying will duplicate Wii console games. The basis for furthermore this is that might be guards with the game books that inhibit your personal machine from becoming capable of recreate ...
Source: http://lg313zb.com/?p=2621
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Saturday, March 17, 2012
Justin Bieber Challenges Fans To Choose 'Boyfriend' Cover Art
Bieber will let his fans pick which photo he uses for the song, out March 26.
By Jocelyn Vena
<P>Ever dreamed of being <a href="http://www.mtv.com/music/artist/bieber_justin/artist.jhtml">">Justin Bieber</a>'s art director? Well, the singer is giving his fans that opportunity. Bieber has released <a href="http://www.justinbiebermusic.com/boyfriend/" target="_blank">two photos</a> and requested that fans choose which will be the official art for <a href="/news/articles/1680882/justin-bieber-boyfriend-single-buzz.jhtml">his next single, "Boyfriend."</a> The photo that receives the most fan tweets wins. </P><P> </P><P><embed src="http://media.mtvnservices.com/mgid:uma:video:mtv.com:744691/cp~vid%3D744691%26uri%3Dmgid%3Auma%3Avideo%3Amtv.com%3A744691" width="460" height="260" type="application/x-shockwave-flash" allowFullScreen="true" allowScriptAccess="always" base="."></embed> </P><P> </P><P>Biebs dons a gray checkered top over a gray T-shirt in both photos, but it's the pose that really differentiates the two shots. In one, he stands looking away from the camera, his hands at his side. In the other, he's looking to the camera, his hand running through his famous hair. </P><P> </P><P>The Mike Posner-produced track will drop on March 26. It's the first single off his <a href="/news/articles/1680373/justin-bieber-believe-album.jhtml">forthcoming album, <i>Believe</a>,</i> out later this year. Bieber hit the studio with a number of A-listers for the album, including Maroon 5's Adam Levine and super-producers Diplo and Ryan Tedder, plus will.i.am, Drake and Lil Wayne. </P><P> </P><P>"You can't really expect anything from my album. It's really, really different," Bieber told MTV News. "And it's new; it's not the same thing everyone's used to hearing right now on the radio. It's really exciting for me, 'cause I'm able to break out of my shell and show my fans what I'm all about and show other people who might not like my music that maybe they can like my music. </P><P> </P><P>"I'm not trying to lose any of my young fans," he continued. "I'm not trying to lose any of my fans, I'm just trying to gain fans, and I think that's the best way to do it. Rather than try to grow up and lose your fans, you can get better and evolve and gain respect from more people." </P><P> </P><P><i>Which Bieber photo do you think he should use as the cover art for "Boyfriend"? Tell us in the comments!</i></p>
Related Videos Related Photos Related ArtistsSource: http://www.mtv.com/news/articles/1681200/justin-bieber-boyfriend-album-cover.jhtml
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ARTICLES MANIAC ? How You Can Invest In Commercial Real Estate
Investing in the commercial real estates is no simple process, and it calls for substantial study of the industry plus a excellent head on the shoulder. Considering that it is really a lucrative and eye-catching field, a lot of persons happen to be lured into it, while few have tasted achievement. The main reason of such a failure will be the lack of information and relative experience. However, because the time passes, folks have learned the tricks of trades of this business. If you are thinking to invest within a commercial real estate, you should be aware of all of the unique strategies and tactics that you have at your disposal. Very good study, substantial study of the industry and financial circumstances, regional knowledge and important contacts are they keys here. Following are some of the essential advices on how you can invest in the commercial real estate.
The first step, just before you make a decision to invest in the commercial real estate, is always to acquire as much knowledge as it is possible to, about the market place, its circumstances, financial circumstances, political scenarios, and regional conditions. Thorough and substantial study of all these analysis reports will assist you to in making a much far better decision that you would have accomplished otherwise. Soon after evaluating various variables, it is time to locate the best region for your investment. You should possess a vision; use that vision to match interest of your concepts with all the shortlisted regions. After you find the best choice, you can now analysis a bit more in regards to the nearby locations and anticipated increase or lower in the value of property there.
Following finishing your homework concerning the above mentioned different researches, it is possible to shift your focus in locating a competent and professional real estate broker. The commercial real estate broker will give you a more in depth view information about different regions, market place conditions and also other essential elements that are vital enough to make a important distinction. Since you have performed your analysis, you may now match your estimates and notes with that of the real estate broker. In this way, you will possess a much superior thought of the complete image.
Because not everybody has the potential of making large investments in the commercial real estates, you might need to join and network with some other professional commercial investors and finance partners. Should you sense a good deal, but are unable to execute it due to lack of resources, it is advisable to add other partners. You will need to share your investment strategies with them efficiently. This step is essential to carry out huge ventures. Huge investments and bigger ventures mean higher earnings, but it also comes with higher risks. So ensure that that you have completed your analysis well, and you might have a solid investment and business method.
As well as your team, you will be capable of make superior choices. Immediately after completing all the above steps effectively, it is time to finalize the legal elements of the property, and it can be accomplished by consulting your agent to write a legal contract for the commercial real estate property. As a way to tackle the more complicated concerns, an excellent lawyer is often beneficial. Just before purchasing any property, often ensure its security and prior felony circumstances, if any. Calculation of worth of the property is a different really important aspect, which should not be taken lightly. Constantly do not forget that calculation of property will not only mean the existing value of property, but also the value in the close to future.
The SBA 504 refinance are the best commercial real estate financing for entrepreneurial small business owners looking for commercial property financing.
Source: http://articles-maniac.tk/how-you-can-invest-in-commercial-real-estate/finance/real-estate/
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Friday, March 16, 2012
Calgary Home Improvement | KUSIQUYLLUR Home Improvement ...
Rusco Industries Calgary Ltd provides all your Calgary home improvement needs for exterior renovations.
Upgrading your home is a great way to add value and give you that new home feeling without all the hassle of a move. Rusco Industries Calgary Ltd. has become an award winning company in the category of Calgary home improvement through winning a Consumers Choice Award. Winning this award proves that they are here to meet all your exterior renovation needs. The company offers a full line of products as well as services to ensure the job is done to your satisfaction.
In business in the city since 1953, it is no surprise to their satisfied customers that Rusco Industries Calgary Ltd. has won the Consumers Choice Award for best Calgary home improvement company. While specializing in replacement windows, the company has also expanded into doors, siding and building beautiful sunrooms that can extend your living space for year round enjoyment. While style is always a big part of the products Rusco Industries Calgary Ltd. offers they are also very conscious of energy saving products as well. With a full line of energy saving windows and doors as well as siding to lower heating and cooling costs, this company really does have it all when it comes to exterior renovations. The sunrooms, which can be designed as a home office space or a beautiful retreat to enjoy the seasons, are a valuable addition to any home. With staff that can help with design, material selection and working within your budget a sunroom is a great way to upgrade your home and really expand your living space. All work on renovations completed through Rusco Industries Calgary Ltd. is planned to your satisfaction and full and accurate estimates are provided before the job begins.
As a complete consumer based award, the Consumers Choice Award is a true community based recognition for an outstanding business. Designed to allow the customers to determine the annual winner, the Consumers Choice Award is a mark of a great company to do business with. Only available in Canada and the United States the Consumers Choice Award has become a standard for businesses in each of the possible categories. In categories such as Calgary home improvement the competition is fierce, so winning this award is an accomplishment. With the Consumers Choice Award for Calgary home improvement Rusco Industries Calgary Ltd. now sets the standard for other companies to follow within the city.
Rusco Industries Calgary Ltd, voted best Calgary home improvement company, provides a wide range of exterior renovations from patios and sunroom additions through to doors, window and siding to upgrade your home. The company is located at #3 1430 40 Ave. N.E, Calgary, Alberta, T2E 6L1. They can also be reached by phone at 403-250-9951.
More Home Improvement Articles
Source: http://www.kusiquyllur.org/2012/03/calgary-home-improvement/
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Global Outdoor Appliances and Power Tools Market to Reach 101 ...
San Jose, California (Vocus/PRWEB) February 10, 2011
Weather and global economic conditions induce the greatest uncertainty in the outdoor appliances and power tools market. The industry is also highly sensitive to the trends in housing starts, and pattern of expenditures on lawn and garden maintenance and improvement. Not surprisingly, the global market for outdoor appliances and power tools witnessed a slowdown in business conditions, in the light of global economic recession that started from late 2008. Recession resulted in the decline in housing starts in the United States, which plummeted from 10,443 thousand units in 2008 to 6,411 thousand units in 2009. Several outdoor appliances companies, including Deere & Company, Ariens, the Toro Company, and Bosch, recorded waning sales, and announced plant closures. However, the market gradually turned in favor of outdoor appliances and power tools market, as rising unemployment and reduced spending power, made people turn frugal, and drove them to adopt austerity measures. Gardening received a major boost, as more and more people turned towards gardening to curtail their expenditure on other leisure activities. Gardens emerged as a popular social venue for throwing lawn parties, barbecues, and backyard camping, thereby driving investments in the lawn and garden maintenance tools and services.
Driven by new market opportunities presented by economic recovery and housing market, growing consumer preference for feature-loaded power tools, and increasing inclination of homeowners towards DIY outdoor activities, the market outlook for outdoor appliances and power tools remains bright. Other correlating factors, such as high degree of product development and innovations, rising consumer confidence, and increasing garden areas as value addition to property are boosting market growth. While ever changing lifestyles of consumers and elevation of garden maintenance to social status symbol, drive the market for outdoor appliances in developing countries, environmental concerns and use of gardening as a relaxation from daily routine drive the market in developed countries.
The US dominates the global market for Outdoor Appliances and Power Tools, as stated by the new market research report on Outdoor Appliances and Power Tools. Following a brief slowdown in 2009, the US market for outdoor appliances and power tools is in recovery mode, reflecting the turnaround in housing starts, rebound in home remodeling activities, and growing consumer enthusiasm towards Do-it-Yourself (DIY) outdoor activities. Although the economy and weather pose the highest levels of uncertainties in the outdoor appliances and power tools market, innovative technologies, such as zero-radius riding mowers, are likely to drive the overall outdoor appliances market in the US. Moreover, gardening is also gaining ground among the US population, with the baby-boomer generation reaching an age where they spend more time at home, and indulge in hobbies, such as gardening, fueling growth in the outdoor appliances and power tools market. However, with the increasing market for this equipment in Asia-Pacific and Latin American countries, several global players are shifting their production bases to these regions that offer the benefits of low material and labor costs. The market for outdoor appliances and power tools in Asia-Pacific is forecast to increase at a compounded annual growth rate of more than 3.0% during the analysis period.
Segment-wise, Outdoor grills represent the largest segment of the outdoor appliances and power tools market worldwide. Walk Behind Power Mowers, Riding Garden Tractors, Trimmers and Brush Cutters are forecast to witness the fastest growth in the coming years. Key trends in the market include multi-tasking features offered by manufacturers, rising interest in golfing in several nations across the world, increasing preference for plastics in place of metals, growing demand for sophisticated products. Willingness of consumers to pay higher amount for sophisticated equipment is growing in parallel to the prominence for gardening. As a result, majority of the leading manufacturers are focusing their efforts on research and development activities to introduce products that are more user friendly.
Major players profiled in the report include Alamo Group Inc., Blount International Inc., Bosch Lawn and Garden Ltd., Briggs & Stratton Corp., Deere & Company, Husqvarna AB, Jarden Corp., Makita Corp., Stanley Black & Decker, Techtronic Industries Co. Ltd., The Toro Company, Husqvarna Consumer Outdoor Products, among others.
The research report titled ?Outdoor Appliances and Power Tools: A Global Strategic Business Report? announced by Global Industry Analysts Inc., provides a comprehensive review of the outdoor appliances and power tools markets, impact of economic recession on the market, current market trends, major growth drivers, recent industry activity, and profiles of major/niche global as well as regional market players. The report provides annual sales estimates and projections for Outdoor Appliances and Power Tools market for the years 2007 through 2015 for the following geographic markets US, Canada, Japan, Europe, Asia-Pacific, Middle East and Latin America. Key product segments analyzed include Bug Killers, Chain Saws, Hedge Trimmers, Leaf Blowers (Back Pack Leaf Blowers, and Handheld Leaf Blowers), Outdoor Grills, (Charcoal-Fired Outdoor Grills, Electric-Fired Outdoor Grills, And Gas-Fired Outdoor Grills), Walk Behind Power Mowers, Riding Garden Tractors, Riding Mowers & Lawn Tractors (Front Engine, and Rear Engine), Rotary Tillers, Snow Throwers and Trimmers/Brush Cutters. Also, a seven-year (2000-2006) historic analysis is provided for additional perspective.
For more details about this comprehensive market research report, please visit http://www.strategyr.com/Outdoor_Appliances_and_Power_Tools_Market_Report.asp
About Global Industry Analysts, Inc.
Global Industry Analysts, Inc., and (GIA) is a reputed publisher of off-the-shelf market research. Founded in 1987, the company is globally recognized as one of the worlds largest market research publishers. The company employs over 800 people worldwide and publishes more than 1200 full-scale research reports each year. Additionally, the company also offers thousands of smaller research products including company reports, market trend reports, and industry reports encompassing all major industries worldwide.
Global Industry Analysts, Inc.
Telephone: 408-528-9966
Fax: 408-528-9977
Email: press(at)StrategyR(dot)com
Web Site: http://www.StrategyR.com/
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[unable to retrieve full-text content]herme bags Business Negotiation Article Category -. Amy Wright,?????? ??? ???, 34,jumpman, was extatic while her realtor showed her the three bedroom townhome overlooking the lushious golf lesson It was ...
Source: http://asics.lateststyle.org/2012/03/15/herme-bags-business-negotiation-article-category/
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Facts You'll Want To Know About Detox Diets | New Health and ...
New Health And Fitness.Org - Health Information You Can Use
Detox diets are designed to clean out your system. If you?re considering this technique, listed here are a few details you need to know.
First, detox diet plan programs are not created to help you lose weight but merely helps cleanse your system. For the following few days, you will have to give up certain foods and take some laxatives to help clean out the intestine and liver.
During that time, you?ll eat plenty of fruits and vegetables. In most instances, these are unprocessed and raw since cooking will eliminate essential minerals and vitamins. People who are able to successfully complete the plan say they feel healthier and have elevated levels of energy.
Detox diets are not recommended for people with certain well being conditions especially patients suffering from diabetes, eating disorders, heart disease along with other chronic conditions. This ought to also not be done by pregnant or nursing mothers.
Teenagers ought to not also attempt the detox diet plan because this will rob them of vitamins and minerals which are important for their rapid growth and development.
Detox diets ought to only be carried out once or twice a year because it can turn out to be addicting. Some have compared normal detox diets to smoking or drugs where it?s difficult to give up and this could lead to health problems like eating disorders, heart condition or perhaps death.
You may also experience these when you decide to take detox supplements as most of the ingredients are really laxatives.
Because the detox diet will only last several days, you may feel that you slim down but in reality, you only lost water and some muscle. You?ll regain what you lost whenever you finish the plan and start consuming regular food.
There have not been any research which prove the effectiveness of the detox diet. Actually, there?s no evidence which proves that such toxins were removed especially when your liver and kidneys are working properly even way before you began the program since you?re able to excrete urine and stool frequently.
As you are able to see, you will find some positive and negative statements when it comes to detox diets. Now that you know what these are, you are able to determine for yourself whether this is something you want to attempt or not. Do not forget to consult your doctor should you decide to go through with it simply because like it was mentioned before, there are certain individuals who should not try it based on their age and well being condition.
The author is a freelance writer who has many interests and writes about many things. His new site is about the 31 day fat loss cure book. To learn more about it, visit here.
Source: http://newhealthandfitness.org/2012/03/14/facts-youll-want-to-know-about-detox-diets/
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Thursday, March 15, 2012
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Source: http://asics.lateststyle.org/2012/03/14/asics-gel-kayano-legal-traffic-law-article-categor/
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Wednesday, March 14, 2012
Animal import bans "put UK drug research at risk"
[unable to retrieve full-text content]LONDON (Reuters) - Vital medical research is under threat in Britain because ferry companies and airlines are bowing to pressure from animal rights activists and refusing to carry animals destined for laboratory testing, scientists and drugmakers said on Wednesday. Researchers said all ferry companies operating routes into the country had now banned the import of mice, rats and rabbits, which are used in research labs to explore the potential of experimental new drugs. ...
Source: http://news.yahoo.com/animal-import-bans-put-uk-drug-research-risk-105734645.html
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Tuesday, March 13, 2012
Rev. Seamus P. Finn, OMI: Usury Is Alive and Well
You would think by now that banks and other financial institutions would have been chastened some by the scrutiny and criticism that they received during the near meltdown of the financial system in September 2008 and its aftermath. Judging by the aggressive path that some have adopted in the payday lending arena, I am sorry to report that some banks have quickly beaten a path back to their old behaviors. Constrained from many of the usual profit making services that were part of their pre-crisis business models, many have been looking at additional fees for such things as ATM withdrawals or late payments and other increased charges to make up the lost income.
In a letter signed by more than 250 organizations -- many of them from faith communities and active members of the Interfaith Center on Corporate Responsibility (ICCR) -- that was addressed to the Consumer Finance Protection Bureau (CFPB), the Federal Deposit Insurance Corporation (FDIC) and the Federal Reserve and the Office of the Comptroller of the Currency asking them to stop the practice of making unaffordable high-cost loans to vulnerable customers. The letter states that, "Wells Fargo, US Bank, Fifth Third, Regions, and Guaranty Bank's deposit 'advance' loans are structured just like loans from payday loan stores -- carrying a high-cost combined with a short-term balloon repayment."
These predatory loans that can carry an annual percentage rate (APR) in excess of 365 percent, based on the typical loan term of 10 days, can, according to the letter, "trap borrowers in a cycle of expensive long-term debt, causing serious financial harm to borrowers, including increased likelihood of bankruptcy, paying credit card debts and other bills late, delayed medical care, and loss of basic banking privileges because of repeated overdrafts."
In their well-documented book, "A History of Interest Rates," Sidney Homer & Richard Sylla trace the evolution of credit and the influence of the religious communities almost every step of the way in the process. Primitive credit may only have consisted of the loan of a seed until harvest or of an animal or of a tool for a while and could be classified as gifts, loans or loans at interest depending on the arrangement accepted. The evolution of certain criteria or mediums for repayment was also in evidence until money became the common denominator for all repayment of loans. Cattle, grain, dates, olives, figs were among the original form of money and were followed by inanimate commodities such as copper, gold, silver and bronze.
Different sets of rules were applicable according to the type of transaction or commercial activity that was involved. Much of the early data suggest that the legal codes that emerged and were established in this area were primarily focused on prohibiting the use of credit or its abuse. The Israelites did not permit lending at interest, and the Iranians felt it dishonored a man. The Romans permitted it but limited the rate of interest and the Greeks seemed to encourage credit without limit. The earliest historical accounts of practices and customs present us with a picture of the challenges that were faced by those who sought to define and regulate the complex set of relationships that existed between debtors and creditors.
Over time, when various institutions were organized to serve the credit and saving needs of peoples and communities, the rules for this practice evolved. Some of these practices were adopted by the financial service houses that arranged credit and financing for activities like shipping, and exploration as well as the transport of people and commodities. The prevailing tools that were used to measure the amounts of risk that were being assumed in any of these transactions and others that were being created would usually be interrogated by the prevailing religious standards of the day.
The Catholic Church entered this debate in a powerful fashion when in 325, the Council of Nicea passed a canon prohibiting usury by clerics by citing Psalm 15 while other leading churchmen of the day, like St. Jerome, argued that the prohibition of usury in Deuteronomy among brothers had been universalized by the prophets and the New Testament. The teaching on usury was enforced intermittently by Church and State until the 11th century when the revival of European learning and trade would be the occasion for a more detailed examination of the practice by scholars and a more nuanced articulation of what was permissible by the Church.
In recognizing that the rules and teaching on interest rates that exist today emerged from the intersection of the teachings of the faith traditions with the commercial and financial practices that emerged over the centuries, the emergence of practices like "payday" and "predatory" lending deserve the scrutiny of religious leaders and people of faith. The advocates calling for the reform of these practices could also benefit from their active solidarity and advocacy.
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Follow Rev. Seamus P. Finn, OMI on Twitter: www.twitter.com/Seamus Finn @Sa
Source: http://www.huffingtonpost.com/rev-seamus-p-finn-omi/usury-is-alive-and-well_b_1334908.html
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The Three Highest Paid Jobs In The Construction Industry ...
In the event you?re planning to get into the construction business and make it as your career path for good, it will be a lot better if you happen to find out how this market works from understanding how the assorted gamers function in this industry. Building business is a multi-billion greenback trade, and there are quite a lot of alternatives for you to make a residing out of it. However, the competitors on this market is pretty fierce too, and if you want to keep for long and be successful, it?s a must to make good profitable runs right from the very start. There?s good cash on this business, however like in other multi-billion dollar business on the earth, fortune shouldn?t be served in a silver platter, it is earned. Probabilities for revenue and promotions might be actually good, however only in case you have the enough training and expertise for the job.Folks with good management expertise and good data in development positively have higher chances for earning competitive pay cheques. The United States? Bureau of Labour Statistics stated in 2008 that, expert workers in development industry can earn as a lot as $22 per hour, while the professionals and those that work in the managerial division are expected to get around $39 per hour, now that?s various difference, considering all of the hard work those expert employees do within the site. Additionally, the extent of salary is virtually affected by the location of the job, problem of the tasks and the benefits offered by constructions employers. This entry will speak about three (3) of the most excessive paying job in the development market, read on and discover out which where you?ll match best within the future.
Development Supervisor
Development managers have the skills to prepare his group, the plans, materials, tools and duties for the whole building project. They play an enormous function within the venture, from the planning, supervising the workers, maintaining in contact with the contractors, and guarantee on-time supply of the development supplies and machineries. The job responsibilities of a construction manager will be very demanding; which is the explanation why building corporations choose to hire people with certified bachelor?s degree. Also, before they get employed, construction companies demand with no consideration certificates from acknowledged construction administration our bodies for candidates for this position.
First-line Supervisor
First-line Supervisors manage the expert workers for the project. Their job mainly revolves around in reading the undertaking plant, assigning folks for the job, scheduling duties to the workers, assess development materials and coordinate with the construction manager. For this particular place, development corporations search for individuals with civil engineering or related degrees.
Electrician
Electricians are answerable for the design, repairs and replacements of the electrical traces and units in business and residential establishments. These are skilled professionals who can guarantee safety and convenience on your electrical needs. Individuals who wish to be in this kind of job should undergo vocational schooling, accredited coaching from associated course and considerable first-hand expertise for the job.
Though most tasks and jobs in the building are fairly challenging, compensations for extremely skilled professionals are reasonably competitive. So examine your self, find your interest and discover out the place will you match greatest and develop as a professional on this market.
Related posts:
- Construction management jobs
- Construction Superintendents
- Opportunities for construction management work
- construction is the method of assembly or infrastructure construction.
- Functions of a Construction Manager
Source: http://www.joomlaforumu.com/the-three-highest-paid-jobs-in-the-construction-industry/
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Sunday, March 11, 2012
PreneurCast Covers the Pros and Cons of Outsourcing and Business
Melbourne, Australia (PRWEB) March 08, 2012
Marketing podcast PreneurCast launches their 44th episode, which focuses on helping entrepreneurs navigate the business landscape in the new millennium. In the episode Outsourcing: Mechanics vs Core Business, hosts Pete Williams and Dom Goucher discuss how outsourcing can help entrepreneurs improve the bottom line of their businesses.
Many business owners are still unsure of what their options are for outsourcing and often believe they do not have enough tasks to outsource. For this podcast, Pete and Dom focus on helping entrepreneurs identify what to outsource, how to outsource, and when to outsource, to enable entrepreneurs to have more time to be on their business rather than in it.
PreneurCast has been in the iTunes list of New & Noteworthy after just a few weeks of release, and several of its episodes have been featured as Top Episodes for iTunes Australia. With a new edition each week, the podcast seeks to help entrepreneurs in growing their business, in gaining new marketing techniques and even in using the latest software and gadgets to increase productivity.
For more details regarding outsourcing and productivity, visit the website at http://www.preneurmedia.tv/ to listen in or download the MP3.
Source: http://www.whistlerexecutive.com/whistler/2012/03/preneurcast-covers-the-pros-and-cons-of-outsourcing-and-business-building/
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Saturday, March 10, 2012
Market may be up, but the scars of 2008 are fresh
In this March 6, 2012 photo, Cheryl Friedman and her husband, Jim, pose for a portrait at their home in St. Louis. After taking a hit to their savings in 2008 and 2009, the retired couple pulled most of their money from stocks after the meltdown and have not put it back into the market since then. (AP Photo/Whitney Curtis)
In this March 6, 2012 photo, Cheryl Friedman and her husband, Jim, pose for a portrait at their home in St. Louis. After taking a hit to their savings in 2008 and 2009, the retired couple pulled most of their money from stocks after the meltdown and have not put it back into the market since then. (AP Photo/Whitney Curtis)
In this March 6, 2012 photo, Cheryl Friedman and her husband, Jim, pose for a portrait at their home in St. Louis. After taking a hit to their savings in 2008 and 2009, the retired couple pulled most of their money from stocks after the meltdown and have not put it back into the market since then. (AP Photo/Whitney Curtis)
In a Thursday, March 8, 2012 photo, Harvey Bookman monitors his stock portfolios online from his basement office at home in Brooklyn, New York. Bookman has made up his initial market losses many times over by buying when stock prices were low. (AP Photo/Bebeto Matthews)
In a Thursday, March 8, 2012 photo, Harvey Bookman poses while working in his basement office at home in Brooklyn, New York. Bookman has made up his initial market losses many times over by buying when stock prices were low. (AP Photo/Bebeto Matthews)
In a Thursday, March 8, 2012 photo, Harvey Bookman monitors his stock portfolios online from his basement office at home in Brooklyn, New York. Bookman has made up his initial market losses many times over by buying when stock prices were low. (AP Photo/Bebeto Matthews)
CHICAGO (AP) ? Cheryl and Jim Friedman, retirees in St. Louis, had two-thirds of their retirement money in the stock market in 2008. When the financial crisis struck that fall and stocks lurched up and down with nauseating speed, Cheryl, a former accountant, pulled the money out.
Fearing that the next crisis was always around the corner, they have kept most of the money out. It's parked in a money-market account earning a meager 0.1 percent per year. The Friedmans watched in agony as stock prices doubled over the past three years.
"I have a whole lot of money sitting on the sidelines, because I'm afraid," she says. "The little guy is thinking, 'Well, things are good again now, I'll get back in.' And that's when they pull the rug out from under you."
Three years ago Friday, the Dow Jones industrial average closed at 6,547, its low during the Great Recession. Retirement accounts across the country had been devastated since October 2007, when the Dow hit a record of 14,164.
Last week, the Dow closed above 13,000, although it has fallen back slightly. It has been one of the greatest three-year runs in the history of the stock market, exceeded only by the dot-com stock craze of the late 1990s and the recovery from the Depression.
Some people gritted their teeth through the steep losses and poured more money into stocks while the market was still in free fall. That daring paid off in the returns of a lifetime.
"I felt that either the world's going to end or it's the smartest time ever to invest," recalls Harvey Bookman, 60, of Brooklyn, N.Y., who has made up his initial market losses many times over by buying when stock prices were low.
Bookman bought shares of Avis stock for 41 cents apiece on March 4, 2009, five days before the bottom. He sold them in September 2009 for $11.92 apiece. Total profit, minus commission: $46,026.
For many more, however, even a doubling of the market has not been enough to get them back in. The scars of the 2008 crash, when the Dow lurched up or down by 500 points or more in a day and people asked aloud whether the economy itself would survive, are that deep.
Since the March 2009 low, there have been only two months in which individual investors put more money into stock mutual funds than they took out, according to EPFR Global, which tracks funds.
The fuel for the market's ride higher since 2009 has come from big institutional investors instead.
For small investors, there have been more than enough reasons to sit out. After the 2008 crash, there was the "flash crash" of May 6, 2010, when a large trade overwhelmed computer serves and the Dow plunged to a loss of almost 1,000 points in minutes.
In just the past year, the European financial crisis, a downgrade of the United States credit rating, fear of a default by the U.S. government, high gas prices and supply disruptions from the Japanese tsunami have all whipsawed the stock market.
"It doesn't feel like we've doubled over the last three years," says Jack Ablin, chief investment officer at Harris Private Bank in Chicago. "The S&P's gains were masked by all the turbulence. That's probably why so many individual investors are sitting it out."
Joe Kelly, a financial planner in Bordentown, N.J., said one of his clients, an office manager in her 50s, yanked all $200,000 of her savings out of stocks and into cash one night in January 2009, against his advice.
Temporary peace of mind turned to angst as she missed a historic rally.
"She's crying," Kelly says. "She's lost so much money."
People who had the intestinal fortitude to sit tight during the crash have reaped three years of rewards. 401(k) account holdings have mostly recovered. And contributions at every paycheck during the market bottom bought shares of stock at bargain prices.
It's been harder for retirees who don't have big savings and have less time to recover from severe downturns.
"People in retirement are having a heck of a time dealing with this volatility," says Paul Jarvis, a financial planner in Fargo, N.D., who has spent extra time calming the fears of older clients. "They're trying to psychologically get a grip on how it affects them."
They also have few appealing alternatives to stocks if they want to earn decent income on their savings. The Federal Reserve has kept interest rates low since 2008, first by cutting short-term rates and then by buying Treasury bonds, which have reduced long-term rates.
Those moves left investors a choice of taking more risk with their money in the stock market or settling for near-zero returns on money-market funds and bank savings accounts, and not much better on certificates of deposit.
Those who have the stomach to stay in stocks may have reaped rewards, but they will never forget the ride.
Jay Sachs of New York recalls thinking about putting his savings under a mattress when the Dow plunged 777 points on one day in September 2008. By the following March, with daily declines continuing, he was still "scared out of my mind."
But Sachs, a retired computer consultant, soon tiptoed back into the market, buying dividend-paying blue chips and some mutual funds three years ago. Today his portfolio is well above where it was before the crisis began.
But his optimism is muted because of what he endured in 2008.
"The fact that there's still some fear out there is probably a good thing," he says. "Because when everyone is euphoric, you'd better start trimming your sails."
Bookman of Brooklyn, a retired software executive, is an investing enthusiast who made more than 1,700 trades through his Scottrade account last year. He prides himself on keeping emotion out of his investing.
That strategy was severely tested when he lost 70 percent of his holdings in eight months during the crisis. But he kept going, remembering the advice of Warren Buffett, the billionaire investor: Be fearful when others are greedy and greedy when others are fearful.
"I just kept buying because I had waited for this time my whole life," he says. "I had heard about the Depression when anybody who had bought at the bottom made a fortune."
Even investors who put their faith, and their money, in the market during its darkest days have muted expectations for stocks in the near future. Expecting a pullback in stocks, Bookman has sold 30 percent of his holdings in the last two months.
"I just think that people right now are too complacent," he says. "I hear about all the problems with Europe and the economy, and a lot of people are out of work, so I don't think things are so good. The market is way up, but the world hasn't changed so much."
Financial experts say the experience of surviving 2008 may embolden investors the next time there's a market shock.
"When we have these downdrafts, they're a good reminder of volatility and a good opportunity to load up on stocks when they're cheap," says James Angel, associate professor of finance at Georgetown University's McDonough School of Business.
Small investors like Doug Heuring, 40, of Cape Girardeau, Mo., vow to be ready for the next crisis. Heuring, a medical technologist, snatched up some biotechnology stocks "when the market was on sale."
His portfolio is 30 percent or more above where it stood when the crisis hit. He knows he could have done even better had he been bolder. But at least he didn't flinch when the market tanked.
"You've got to stay the course," he says. "A lot of people panic when their stocks hit lows, but if they're good companies, they will come back."
That is not so easy for Cheryl Friedman, the St. Louis retiree. She sits in her office and watches market chatter on CNBC all day, waiting for the appropriate time to get back into the market. But the timing never seems right. Not when the crisis was fresh, and not now, when stocks are up more than 20 percent since early October.
"It's very difficult to know what to do," says Friedman, 63. "I should have just sat back and waited. But when you're at this point in life and there's no way to replace your assets, you can't afford the risk."
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Thursday, March 8, 2012
5 Career Opportunities For Certified Scuba Divers
Scuba diving is unlike any other recreational activity. While many regard underwater diving as a recreational sport, professional scuba divers look upon it as a lucrative occupation. In fact, inland water and construction industries require professional divers in their ranks to support their operations. This is good news to all diving enthusiasts, now they can earn their bread while living their dream. A basic or advanced Open Water training opens doors to a number of career opportunities for certified scuba divers. More opportunities await professional divers. Here are 5 occupations a certified scuba diver can venture to fulfill their passion for the extreme sport:
Teaching other people how to dive. Scubadivingis an exciting sport and anywhere in the world, there are a handful of those intending to pursue the sport that would be needing the instruction of certified trainer. Underwater diving is not a common skill and it?s a trade that only a few people are going into these days. In fact, scuba diving resorts and operators are always in need of divemasters to implement their diving course offerings.
Underwater photographer and videographer. Imagine how National Geographic or Discovery Channel captured those brilliant images that document amazing underwater landscapes and marine life. Only expert divers who can proficiently handle cameras or video equipment underwater are given this great opportunity to reveal to the world the beauty of marine life. Indeed, it is one of the most challenging, yet most fulfilling jobs on the planet.
Scuba diving as business. A keen insight on the multifarous training requirements of scuba divers and their preferences on equipment use, endows an entrepreneurial mind with the right perspective to respond to the needs of a growing market of scuba diving enthusiasts. This is a career call or business opportunity, enticing both certified divers and non-divers to set up dive shops that cater to the training needs of clients as well as for the retail and maintenance of scuba gear and equipment.
NASA Astronaut Trainer. Astronauts are subjected to different levels of gravity in outer space. They can obtain enough practice here on earth with the physical conditioning they are subjected to underwater. Scuba Diving instructors are needed to convey to prospective astronauts the principles of handling one?s body efficiently while subjected to buoyant forces and changing pressure.
Scientific Research. Technical divers are needed to supply information on the conditions of marine life. Recreational divers can also volunteer on reef and fish surveys organized by non-government environmental organizations.
Now that you have learned about the career opportunities in the field of scuba diving, start taking certification courses today to fully realize your dream. Don?t forget to invest on a good quality scuba diving suit such as the Aeris Rio .5 Wetsuit [http://www.scubasuppliers.com/site/1408308/product/60.0051.XX] The diving suit provides reliable protection and insulation for frequent diving trips.
Felix Tero produces web content for Scuba Suppliers, Inc. Get the scuba equipment [http://www.scubasuppliers.com] that?s right for you at scubasuppliers.com.
Author: Felix Tero
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Source: http://e07.net/5-career-opportunities-for-certified-scuba-divers/
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CRC energy efficiency scheme ? for better ... - Society - EzineMark
The CRC (carbon reduction commitment) is now made an obligation for all those organizations, which emit carbon into the atmosphere. Aiming for our better future, effective steps should be taken to protect our environment from dangerous pollutants that are released into the air every year from various factories. Initially many governments asked the managements to come forward and volunteer in carbon reduction commitment; however, now it is made compulsory for everyone, if they exceed a fixed limit of energy usage every year.
This scheme is going to reduce the carbon emissions and protect the surroundings from hazardous pollutants. The companies are now bound to pay a good amount of fee for every ton of carbon they release from the factories. This is called emissions trading scheme, which will help companies to increase their revenue only if they take pivotal measures to optimize the energy usage.
Hence, all factories that utilize less energy are exempted from paying more carbon charges and require lesser permits to run it. The committee also informed that this price will be increased periodically and hence it is better for the companies to use the energy available more effectively and efficiently.Carbon offset ? a requisite for every company
A league table is prepared to see the performance of companies, which are taking initiatives in bringing down the carbon emissions and power consumption. This performance league table is prepared considering the parameters such as metrics used; a score obtained for the metrics they used and finally considering them both simultaneous gives a position for that will be allotted for a company in the performance league table.
The performance league table values are calculated purely on the basis of the information provided by the companies, however, it cannot be assured that this information is accurate. The board may further conduct audit if required to the check the information.Moreover, these programs help in taking clear steps to reduce harm to the environment and indicate all the critical areas to focus on. These carbon neutral steps have impacted the trade of commodities all over the globe which caused great volatility in the prices of them in the past two financial years. It is associated with water wastage, resources, which are used for input to get finished materials and management of other energy resources in more structured and organized manner to give best strategy in saving our world.
Source: http://society.ezinemark.com/crc-energy-efficiency-scheme-for-better-tomorrow-18d42ca2f27.html
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Wednesday, March 7, 2012
Oklahoma Needs Qualified Wind Power Technicians
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Source: http://www.npr.org/2012/03/07/148113597/ok-harnesses-wind-sweepin-down-the-plain?ft=1&f=1007
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Tuesday, March 6, 2012
Mental Health Services | Beauty and Healthy Tips
Mar 12
5
By admin
Filed Under Mental Health? | | 4 Comments?
Mental Health Services -Many individuals experience from psychological conditions or inadequate psychological health and fitness. Some of them fall through the breaks and are not handled quickly or at all while others fall short to identify their own sickness and as a impact never search for help. Not getting treatments can have harmful repercussions.
When a individual has excellent psychological health and fitness he is mentally well and has excellent mental operate. Mental health and fitness is described as a state of well being in which a individual knows his own capabilities and is able to deal with the various pressures in lifestyle. This individual is able to work proficiently and results in his group. However, it is often easier to explain psychological sickness rather than psychological health and fitness, which can be a summary verdict. Sometimes psychological health and fitness is described simply as the lack of a psychological sickness.
Having excellent psychological health and fitness indicates that a individual is protected and safe, is capable of self actualization which indicates the individual makes the best of what he has and is able to recovery from trouble, take it easy and defines stability by doing things in control.
When a individual has maximum health and fitness he is able to find objective and indicating in his lifestyle and life to the max while improving his potential in several different ways. When an individual is able to obtain a stability between feelings, physical- and perceptive health and fitness and religious satisfaction, this implies true health and fitness.
Unfortunately a individual who has a psychological sickness and who has low socio-economic position is less likely than someone with higher socioeconomic position to search for and get treatments. Those with ?abnormal? amounts of knowledge have probabilities of suffering from inadequate psychological health and fitness and will also have reduced self respect than someone who has more knowledge. So simply speaking, the not as good and less knowledgeable a individual the less likely that this individual is going to get the treatments he needs to get better and become efficient and effective.
There was once a great preconception about having a psychological health and fitness but that is no longer the case. It is well known that many people have psychological problems and it is nothing to be humiliated or shy about. There are remedies available to help those with psychological issues and the affected can also acquire themselves of treatments and treatments. Referring to it is going to help. Acting that there is not a issue is not going to help.
Source: http://www.terapiasistemica2011.com/mental-health-services-on-a-sliding-scale/
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Senator Schumer asks FTC to probe Apple, Android (Reuters)
[unable to retrieve full-text content]Reuters - A U.S. senator has urged the Federal Trade Commission to investigate reports that applications on the Apple Inc and Google Inc mobile systems steal private photos and contacts and post them online without consent.
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Monday, March 5, 2012
A hat-trick in humanism : Johns Hopkins University ? The Gazette
March 5, 2012Print version
Students who have special education needs face varying degrees of challenges on the path to academic success. And that?s why Liza Brecher, a junior at Johns Hopkins majoring in the history of science, wondered: Why give these students and their families needless red tape and hurdles to contend with on top of life?s daily struggles?
Brecher points to complex IEP (individualized educational program) forms, school system and municipal bureaucracy, and the burden on parents of fitting IEP meetings into a busy work schedule. Then there?s the cost. Advocates?professionals trained to help navigate services?can charge up to $75 an hour.
Brecher wanted to help Baltimore City students and their families find their way through this often thorny special education maze?and to do so for free. And she will, thanks to the $5,000 grant she was given to help fund her project called HEAR, Homewood Educational Advocacy Resource.
HEAR was one of three student-run projects recently awarded funding in the Social Entrepreneurial Business Plan Competition, a new feature in the Homewood intersession course called Leading Social Change.
In the class, the students had the opportunity to develop business plans for projects that would have a positive social impact in Baltimore. The two-credit, three-week class culminated in a competition in which students presented their ideas to peers and a panel of three faculty judges. The top three groups were awarded $5,000 in seed money to turn their visions into reality. The grants were made possible by a $75,000 gift, spread out over five years, from university alumnus Christopher Drennen.
The other two winning proposals were the Baltimore MicroFarming Project and the Charm City Science League.
Bill Smedick, director of leadership programs and assessment in the Office of Student Life, created the Leading Social Change course three years ago to give students real-world and leadership skills to make a positive difference in society. The business plan competition was instituted last year.
This year?s class had 25 students, who broke off into seven teams.
Smedick, who teaches the course, said that the judges had several first-class projects to pick from.
?We had a great group this year?talented students who were all looking to innovate for social change,? said Smedick, an adjunct lecturer in the Center for Leadership Education in the Whiting School of Engineering. ?I couldn?t be happier.?
To achieve its goals, HEAR will train JHU and area undergraduate and graduate students to become advocates for families who have children receiving special education services.
Brecher said that the special education system is complex and difficult for parents to navigate, especially with the added challenges of poverty and illiteracy that some in the Homewood area face.
The student volunteers will be trained in the legal aspects of special education, federal regulations, sensitivity issues and the IEP process. ?They?ll also become familiar with the specific quirks in the Baltimore City system,? she said.
The Department of Education defines special needs broadly, including everything from autism and blindness, to dyslexia and hearing impairments. Brecher knows firsthand the challenges faced by these families, as her older brother has Down syndrome. Since 2009, she?s volunteered at the Down Syndrome Program at Children?s Hospital Boston.
?My parents worked very hard to ensure [that my brother] received appropriate services,? she said. ?And I?ve been around other families who didn?t think their child?s individualized education plan was right, but they weren?t sure how to change it.?
Brecher started to interview applicants for HEAR last week. She plans to select five to seven people, each of whom will partner with one family. The HEAR project will officially start in April.
The Baltimore MicroFarming Project is modeled after similar community-based farms nationwide. The project aims to promote community involvement and goodwill by involving area residents and neighborhood organizations in every aspect of planning and implementing an urban garden.
The project is targeted at refugees and immigrants who were involved in agricultural pursuits in their home countries. Relocated in Baltimore, many refugees have factory jobs and live in ?food deserts,? defined as pockets far from a grocery store, said Anna Wherry, a sophomore public health studies major and the project?s leader.
Wherry implemented a similar garden on a smaller scale during her senior year of high school. She said that the experience enabled her to see how participants were able to improve their quality of life.
?With this project here in Baltimore, the participants can use the garden to reconnect with the land, supplement their diet and earn some extra income via the farm?s products,? she said.
The ultimate goal, she said, is to turn this project over to the immigrants whom the project is designed to benefit.
Wherry and the group?s three other students are currently talking to several community organizations interested in the project and are looking for additional funding. They are also looking to secure a two-acre piece of land located within 10 minutes? walking distance of a refugee settlement. Wherry said that she expects the project to start in spring 2013.
The Charm City Science League aims to increase academic performance in Baltimore City schools with a particular focus on science, technology, engineering and math, or STEM, education. Specifically, the program is intended to inspire middle school students through a combination of intensive one-on-one mentoring and participation in Science Olympiad competitions.
Science Olympiad is currently implemented in four Baltimore middle schools. The goal of the Charm City Science League is to bring the successful program to middle schools within the Greater Homewood area, paired with mentoring focused on encouraging creative thinking and making science fun, said team leader Julia Zhang, a junior majoring in molecular and cellular biology.
Currently, only one in 10 Maryland high school graduates is considered ?STEM advanced,? meaning that they possess the skills and sufficient knowledge necessary to succeed in some of the most lucrative and fastest-growing professions available. Seventy-two percent of Maryland?s eighth-graders perform at below-proficient levels in science, while 60 percent score at below-proficient levels in math, according to National Assessment of Educational Progress tests.
The Charm City Science League will start with a pilot after-school program in Barclay Elementary/Middle School, with the eventual goal of implementing the program in two additional Homewood-area schools. The project?s two-year trial period will begin this fall.
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Source: http://gazette.jhu.edu/2012/03/05/a-hat-trick-in-humanism/
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