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Short on cash? Need money? With the high cost of living and the unpredictable circumstances we cannot escape everyday, payday loans are an amazing tool invented to get cash when you badly need it. But how do payday loans really work?

Payday loans give the borrower the amount of money he needs. The borrower writes a check of the amount needed with the payday loan company?s fixed interest fee, and the money he needs is given right then and there.

The interest fee of a payday loan is usually a percentage the amount borrowed. For every $50 or $100 loaned, there will be an interest fee of $15 to $30. So a personal check of $115 ($100 borrowed money and $15 fee) will be on hold for up to 14 days or until the next payday.

If you applied for a payday loan but were unable to repay the loan on the set schedule, you can ask for a roll-over or an extension on your loan. But there will be another fee for every extension.

You should know how much you owe the loan company. The Truth Lending Acting permits the cost of payday loans be disclosed. Have all the information such as financial change, annual percentage rate (APR), interest fee, and so on.

Like everything else acquired over credit, payday loans should be a last option.

Here are nine things to remember about payday loans:

1. Shop carefully ? like comparing prices between two interesting items, the same goes in selecting a payday loan company. Choose the company with lower interest rates, APR?s, and friendlier payment terms.
2. Know the terms ? Find out and analyze their terms before availing of a payday loan company?s services.
3. Compare APR and finance charge ? Again the lower the rate, the easier for you to repay the amount borrowed.
4. Ask questions ? Don?t be afraid to ask questions to your creditors ? after all, they?re getting paid to be of service to you. Ask more time to pay your bills if you?re not able to on the planned date.
5. Realistic budget ? Be sure that the amount of cash you loan is within your savings budget for you to repay them on time.
6. Build savings ? Hold other expenses and save money left over from your income so as not to go on loan again. Save money to repay the loan you borrowed with the interest fee.
7. Overdraft protection ? This is essential to your credit account for it protects you from further credit problems. Find out if the company has this on your checking account.
8. Nonprofit groups ? Check out nonprofit groups in your community for credit guidance.
9. Other sources ? Find out with your employer, credit unions, or housing authority for no- or a low-cost credit counseling program to get you out of debt and help you with financial woes.

Payday loans are amazingly convenient, but be cautious and responsible in using them. Remember to only borrow what you can afford to pay after a couple of weeks. If you can not repay, then talk to the business and they will be able to work out a payment plan for you.

If you like the information that was provided, please visit our site payday loans to get more information about how payday loans are structured.

Source: http://spotshift.org/finance/how-payday-loans-really-work/

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Blogging To The Bank 2011

Each online business understands just how valuable social media is and how helpful it can be in terms of branding and marketing. If you want to get as much as possible out of social media, though, it is very important that you use all of the right steps at the right times. Given below are a few proven tips to help you create a foothold in social media and build your brand.A nice factor about Killer Content, is how many factors happen to be influenced.

Blueprint Project

Build a lot of Paths: Let?s face it. Social media is broad and it spans over hundreds of sites that work in different areas. Possessing a Facebook page is not the end to all things because there are more pieces to the puzzle. The best place to start your journey with social media and towards a stronger brand is through your own blog. That?s right. When you start your own blog that markets toward your own targeted market, it will surely make a lot of difference. In order to really use social media to your advantage to build up your brand, you should use many social media sites that will make you look good. You can make video submissions on YouTube, post pictures to Flickrs, Tweet on Twitter for blogging and communication and create presentations on Slideshare. In order to be ahead of the competition, you have to be understand how important it is to focus on different types of social media formats to benefit the most from it.

It Does Not Matter that Your Company is Small: There is a mistaken belief that only large companies have the capability to utilize social media to create their brand. This isn?t true because even if your business is small, it has all the potential to leverage social media and grow big. But unless and until you use social media correctly and link it to your business, you will not notice any positive results. When your target audience is online, you have people giving you their opinion and researching your brand online.

Why wouldn?t you want to take advantage of it? In addition, this is not all about the existence of your brand. But, it?s also about connecting with a large part of your audience since the majority use social media for their day-to-day activities.These tips can help you broaden your knowledge on subjects for example Rapid Cash Tornado.

Always be Aware of What?s Going On in Social Media: Insisting on keeping up with new about social media will help you to be better than your competitors. This is why you should do whatever you can to follow social media events happening across the globe. This will tell you how social media has grown and how it can be leveraged on your behalf. You not only should follow the upcoming events, but also the past and the current ones.

Every thing that is done to make your reputation stronger in the social media environment will help to make your build up your brand into a more believable and trustworthy brand.

Even though people might say otherwise, it is not hard to grow and maintain your personal brand by using a social media platform. It just takes a lot of hard work and commitment. So, what is stopping you? Go and start building your brand.It is quite essential that before you make a choice you know about 1 Click Cash Bot.

Source: http://internetmarketinglane.com/find-out-how-to-use-social-media-to-build-your-personal-brand/

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Watch FC Barcelona vs Manchester United Live Stream Soccer UEFA Champions League FINAL May 28th 2011 Online Free

CLICK HERE TO Watch FC Barcelona vs Manchester United Live Stream Soccer UEFA Champions League FINAL May 28th 2011 Online Free

Source: http://tricoya.biz/recreation-sports/watch-fc-barcelona-vs-manchester-united-live-stream-soccer-uefa-champions-league-final-may-28th-2011-online-free-2/

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The Architecture of Computer Hardware, Systems Computer software, & Networking: An Data Technology Strategy

Reflects the most recent technologies in the field to provide readers with the most up-to-date resource
Presents examples that cover a broad spectrum of hardware and application systems, from individual computer systems to mainframes
Areas a lot more emphasis on networking to address increased value of the communications region
Consolidates the coverage of buses into one chapter.
Integrates many assessment concerns at the finish of each and every chapter to boost the reader?s understanding of the materials

List Cost: $ 60.00

Price tag: $ 59.99

Code: The Hidden Language of Laptop or computer Hardware and Computer software

ISBN13: 9780735611313
Condition: New
Notes: BRAND NEW FROM PUBLISHER! 100% Satisfaction Guarantee. Tracking supplied on most orders. Purchase with Confidence! Millions of books sold!

What do flashlights, the British invasion, black cats, and seesaws have to do with computer systems? In CODE, they show us the ingenious approaches we manipulate language and invent new means of communicating with every other. And by way of CODE, we see how this ingenuity and our very human compulsion to communicate have driven the technological innovations of the past two centuries.

Utilizing everyday objects and familiar language systems such as Braille and Morse code, author Charles Petzold weaves an illuminating narrative for everyone who?s ever wondered about the secret inner life of computers and other intelligent machines.

It is a cleverly illustrated and eminently comprehensible story?and along the way, you?ll find out you?ve gained a true context for understanding today?s planet of PCs, digital media, and the World wide web. No matter what your level of technical savvy, CODE will charm you?and possibly even awaken the technophile within.

Charles Petzold?s latest book, Code: The Hidden Language of Personal computer Hardware and Software program, crosses over into general-interest nonfiction from his typical programming genre. It is a carefully written, cautiously researched gem that will appeal to any person who wants to realize pc technologies at its essence. Readers understand about amount systems (decimal, octal, binary, and all that) through Petzold?s patient (and regularly entertaining) prose and then uncover the logical systems that are employed to approach them. There?s loads of historical details too. From Louis Braille?s advancement of his eponymous raised-dot code to Intel Corporation?s release of its early microprocessors, Petzold presents stories of folks trying to communicate with (and by means of) mechanical and electrical devices. It is a fascinating progression of technologies, and Petzold presents a clear statement of how they fit collectively.

The actual worth of Code is in its explanation of technologies that have been obscured for years behind fancy user interfaces and programming environments, which, in the name of fast application improvement, insulate the programmer from the machine. In a section on machine language, Petzold dissects the instruction sets of the genre-defining Intel 8080 and Motorola 6800 processors. He walks the reader by means of the process of performing various operations with every single chip, explaining which opcodes poke which values into which registers along the way. Petzold knows that the hidden language of computer systems exhibits actual beauty. In Code, he aids readers appreciate it. ?David Wall

Topics covered: Mechanical and electrical representations of words and numbers, amount systems, logic gates, performing mathematical operations with logic gates, microprocessors, machine code, memory and programming languages.

List Value: $ 17.99

Price tag: $ 9.00

AFUSTECH Remote Computer Repair, Hardware and Softwre

Uncover Far more Computer Hardware Merchandise

Source: http://pc-notebooks.net/the-architecture-of-computer-hardware-systems-software-networking-an-information-technology-approach/

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It used to be that Sen. Harry Reid had a problem with smearing surveillance skeptics as terrorist allies. But now that some Republicans oppose the Patriot Act, Reid is calling the objectors Osama?s BFFs. Dick Cheney would be proud.

All the libertarian senator Rand Paul wanted was to add amendments to the government?s cherished surveillance law that would protect Americans? privacy. For this, Reid, the Senate Democratic leader, charged that Paul?s efforts would ?increase the risk of a retaliatory terrorist strike against the homeland and hamper our ability to deal a truly fatal blow to al-Qaida.?

It?s not just that Reid is demagoguing Rand Paul. It?s that Reid?s objections betray the depths of his hypocrisy on both surveillance and its politics, as revealed by the sophisticated consistency-generating algorithm known as Google.

Remember back when a Republican was in the White House and demanded broad surveillance authority? Here?s Reid back then.??Whether out of convenience, incompetence, or outright disdain for the rule of law, the administration chose to ignore Congress and ignore the Constitution,? Reid said about Bush?s warrantless surveillance program. When Bush insisted Congress entrench that surveillance with legislation in 2008, Reid turned around and demanded Bush ?stop fear-mongering and start being honest with the American people about national security.? Any claim about the detrimental impact about a lapse in widespread surveillance were ?scare tactics? to Reid that??irresponsibly distort reality.? (Then Reid rolled over for Bush.)

That?s nowhere near the end of Reid?s hypocrisy here. When the Senate debated renewing the Patriot Act in 2006, Reid, a supporter of the bill?s surveillance procedures, himself slowed up the bill?s passage to allow amendments to it ? the better to allow ?sensible checks on the arbitrary exercise of executive power.? Sounding a whole lot like Rand Paul, the 2006-vintage Reid registered his ?objection to the procedural maneuver under which Senators have been blocked from offering any amendments to this bill? and reminded his colleagues,??the hallmark of the Senate is free speech and open debate.?

Reid could hardly be more of an opportunist here. He favors broad surveillance authorities ? just as long as those scary Republicans stop being mean to liberals. When Attorney General John Ashcroft warned civil libertarians that their ?phantoms of lost liberty? only aid terrorists,? Reid told CNN on December 8, 2001 that ?people should just cool their jets? ? but not that Ashcroft was actually, you know, wrong. By contrast, the ultra-conservative pundit Bob Novak said Ashcroft made ?one of the most disreputable statements I have heard from an attorney general.?

Ultimately, for all of Reid?s doomsaying, it appears?Reid acquiesced to Paul, who?ll get to offer his Patriot amendments after all if he can overcome some GOP procedural maneuvering. A final Senate vote on the three expiring provisions of the Patriot Act is expected later today. It appears the only thing more permanent than wide-ranging surveillance is hypocrisy about it.

Photo: Office of Senator Harry Reid

See Also:

Source: http://www.wired.com/dangerroom/2011/05/top-democrat-channels-cheney-blasts-patriot-act-foes-as-osama-pals/

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Have a Gag with Gadgets Gifts at Christmas Seasons

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Have a Gag with Gadgets Gifts at Christmas Seasons

By: Elena
Posted: Jul 06, 2010

Christmas season is drawing near. As we close to the holiday season, we are reminded of the delight we experience from giving to our friends and loved. Generally, we are familiar with our friends and family well adequate to pick out a gift that we are surely they will like. But have you ever had a friend who is just impossible to shop for? Or do you have somebody on your gift list with a great sense of humor? You may want to bear in mind a gag gift. These fun novelty gifts are certain to provide hours of entertainment for your friends and family. Plus, gag gadget gifts are reasonably priced and unique. If you are looking for the perfect battery gadget gift, here are some wonderful ideas.

?

Is there an interactive music quiz, or USB Plasma Ball on your gift list? Really get a kick out of the novelty gadget gifts. These battery gadgets hilariously depict what would happen if the friends and family would like to have fun. These pieces would be ideal on display in any home, and make great gifts for people with a sense of humor.

?

Thinking about a dad or grandfather who has never in fact minded a little gross humor? May be he is getting a little older, and hair is popping up where it did not used to be? Buy him the Nose Hair Groomer! The memorable gag is a fun and useful way to get rid of pesky nose and ear hairs. The finger shaped battery gadget gift creates hair trimming quick and entertaining. There is no necessitate to lift a finger, you can get this beauty up right online! Such a gear gadget would make a great over the hill Christmas present.

Read more articles
Gag Gifts That Makes People Smile
Novelty Gifts for Kids are the Modern Fun Gifts

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Nearly each girl loves a masculine man. So why not to get a USB Desktop Bouncer who speaks six extra tough phrases? The USB Desktop Bouncer looks adorable, but can clear the room with the push of a button. A remote control regulates his flatulence, enabling you to gross out unsuspecting people. You could sit him on the couch and surprise guests from across the room, or give him to your sweetheart as a gift, but keep the remote control for yourself.

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Do you have a mate who has a bad sense of direction? He or she may be the perfect candidate for the annoying remote control bull sh*t detector. It might not direct you to the right conversation, but it is sure to have you laughing all the way there. Press the button to hear the voice deliver one of many unhelpful comments in the style of a professional.

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Gag gadget gifts are an excellent idea for almost any friend, and especially for Christmas season. They can create a smile on even the sternest face, and will give an unforgettable memory for years to come. Next time you have somebody on your gift list and you cannot make a decision what to find, buy a gear gadget gift.

?

This article just pictured what great gear gadget gifts you can come up with for Christmas seasons. If you would like to find more gift ideas, visit Gifts & Wishes, online gift shop soon while we still have stock for these gag presents.

?

Elena ? About the Author:

Elena has extensive experience in New Zealand Exclusive Department Store, Kirckaldie & Stains. All merchandise are chosen by her with the most consideration of the fashion, quality, variety of prices to meet your interests in finding the right present for your family members, friends, and colleagues. Elena will make sure that your gifts are nicely presented in gift wrapping paper and delivered to the designated recipient on time. Elena would like also to share her knowledge of gift finding art.

Source: http://www.articlesbase.com/gifts-articles/have-a-gag-with-gadgets-gifts-at-christmas-seasons-2783000.html

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Article Tags:
gear gadgets, battery gadgets, in gadgets, novelty gift, funky gift, unusual gifts, christmas gag gifts

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The Bottom Line

Shoot-'em-up with no survivors or redeeming characters. ?

Venue:

Cannes Film Festival, Market

Director-Screenwriter:

Aaron Harvey

Cast:

Bruce Willis, Forest Whitaker, Nikki Reed, Michael Rosenbaum

CANNES - Neo-New Wave gurgles out of the bayou in this elliptical ditty featuring Bruce Willis and Forest Whitaker as a couple of swamp-balls who, basically, perpetrate a Mexican stand-off. ?

Although it gives Willis and Whitaker an off-road chance to show off their character-actor chops, there?s not much to recommend in this cinematic conceit. There?s some fun, cheeky inside stuff ? Bruce Willis wailing ?Respect? ? which might make for hilarity in talent agency screening rooms, but that?s about the most favorable demographic this low-caliber oddity will attract. ??

?

Jolting backwards from the bloody finale, Catch .44 plugs away on the lives of three girlfriends who toil at the local strip joint, but are now packing guns and heading out on I-40 to hi-jack a coke deal. These three are no angels, in part because they work for the nefarious Mel (Willis), a drug-lord and opportunistic snotwad.?

?

As they tool the mean back-roads in their nifty Beemer, the three lasses ?squabble in annoying bad-girl drone. It doesn?t take long for them to meet trouble in the form of a squirrelly murderer (Whitaker) who?s gunned down a state patrolman and shimmied into his uniform.

?

Ricocheting back and forth between the bloody finale and the backstory of each girlie, Catch .44 is a petite amusement. ?Since none of the characters are sympathetic, it?s hard to stay focused or involved in this salacious journey. ?

?

Overall, filmmaker Aaron Harvey?s neo-nouveau narrative framework caves in and we?re left to the film?s performance curiosities.

?

Bruce Willis slinks into his slime-ball role with apt flourish. Sauntering around in his oily bathrobe, swigging bourbon and gorging walnuts, he?s amusing and utterly believable. ?Forest Whitaker hams it up with a crazy backwoods Hispanic speech cadence, which would make him an entertaining party guest. ?Of the bad girls, Nikki Reed triggers sexuality and bad temper in lethal doses.

?

The technical contributions are well-wrought, particularly costume designer Johanna Argan's aptly peculiar threads for Willis.?

?

Venue: Cannes Film Festival, Market

Production company: Annapurna?

Cast: Bruce Willis, Forest Whitaker, Nikki Reed, Michael Rosenbaum, Brad Dourif, Deborah Ann Wolf, Shea Whigham, Edrick Browne, Jill Stokesberry, Jimmy Lee, Jr.

Director/Screenwriter: Aaron Harvey

Producers: Michael Benaroya, Megan Ellison

Director of photography: Jeff Cutter

Production designer: Gary Frutkoff

Costume designer: Johanna Argan

Editor: Richard Byard

No rating, 108 minutes

?

Source: http://feedproxy.google.com/~r/thr/reviews/allreviews/~3/xlKSsVaHbAk/catch-44-cannes-review-192654

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May 24, 2011

By Nancy Gohring | IDG News Service

Microsoft unveiled on Tuesday many new features to its Windows Phone software but it left out a few that some people had hoped to see.

It said it will add 500 features, many of them that integrate applications together, in an update called Mango. The update will be pushed out for free to existing Windows Phone 7 users later this year. It will also appear on new handset models from manufacturers like HTC and Samsung that already make WP7 devices as well as from Acer, Fujitsu and ZTE, which will make Windows Phones for the first time.

[ iPhone, BlackBerry, or Android? Whatever handheld you use or manage, turn to InfoWorld for the latest developments. Subscribe to InfoWorld's Mobilize newsletter today. ]

Microsoft also said that the first Windows Phones to come as part of its new partnership with Nokia will run Mango. "We already have Nokia phones running Mango in our labs," said Andy Lees, president of Microsoft's mobile communications group, during a webcast of an event in New York to unveil the new features.

During the event, executives focused mainly on the new capabilities in Mango that might appeal to consumers. One new feature integrates a number of communications services into a single thread, so a user can switch between text messaging, Facebook chat and Windows Live Messenger within the same conversation, for instance.

Facebook is integrated into the photos application so that when a user uploads a photo to Facebook, the phone scans faces in the photo and can automatically identify the person, making tagging easier.

Mango ties together different applications in other ways too. In one example, Derek Snyder, a product marketing manager for Microsoft, showed off a new feature called Quick Cards. When he searched for a movie, he clicked on "showtimes" which opened a Quick Card for the movie that included information such as a synopsis and reviews. In addition, the Quick Card listed applications on the phone that might be useful. Snyder clicked on the IMDB application, which automatically opened to the page in the online film database for the movie he had searched for.

"It blurs the line between apps and Internet search," he said.

In another example, he used a feature called Bing Vision that lets users scan images, QR codes and barcodes. Snyder scanned an image of a book, launching the Quick Card for it where he could read reviews and find it for sale online. The Quick Card also showed relevant apps including Amazon's shopping app and the Kindle app. Tapping the Kindle app took him directly to the Kindle store where he could download the book.

Source: http://www.infoworld.com/d/mobile-technology/new-mango-windows-phone-version-integrates-apps-043?source=rss_mobile_technology

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It is important for any business both large and small to get noticed online, and possibly the best way of doing this is by blogging

Blogs are a great way to promote any business, and it is possible to make a great deal of money from blogs too.

Blogging has developed into a very simple and efficient marketing tool, and here are five ways to gain maximum advantage from blogging.

1. It's Free

Where else could you get so much exposure for your business or product for free? Word press is free where you can build highly professional blogs to promote your business online. You are able to get exposure to a world market and it need not cost a penny. Any opportunity for free webtime is definitely a bonus especially to businesses that are starting up.

2. The Simplicity of Blogging

Anyone who can use a keyboard and a mouse can blog. There are very few skills needed to create and maintain a blog.Blogging is a very easy way to communicate with a worldwide audience. If you can blog consistently, then you will have a greater chance of success, also, search engines will visit your site more often.

3. Blogging is Genuine

Because blogging is on a personal level, or should be if you are trying to build a relationship with your audience, you should be sharing experiences and stories with your readers, thereby building trust in you so that eventually you will be recommending products and services to them. People will always prefer to be recommended to rather than be sold to.

4. Building Credibility.

Your readers will soon regard you as an expert in your field because through regular blogging, you have published interesting, quality information. Share content with your readers and customers that is great quality and relevant to what they are looking for As your readers return for more because they can depend on your information, word will get around and this will attract more visits and links. Your blogs will get noticed and a consequence of that could be advertising requests from other publishers or even affiliate requests which of course means you will soon be generating income.

5. Building Your Market

By always producing quality content, word will soon get around and the result of this is that you will gain a very large following in a very short time. If you can blog often and you are good at it, you can soon develop a large following. Show a human side to your business, your customers will respect you for it. Share your own opinion, insight and experiences in your particular niche or market place.

But there are other ways to build your market through your blog.

You must have an opt in form. If you do not capture your readers email address there is little point in building a blog or website because these are the people who make up your list to whom you will recommend your products. No list, no business.

You must be sure that your blog contains the correct keywords. After the correct research, place your keywords throughout your article, but don't overdo it. Search engines will pick up your keywords and rank your site.

Allow people to keep up to date with new content on your blog by installing an RSS feed.

Try to take part in as many forums and blogs as you can. Make comments on forums and place a link back to your site. Starting your own forum can also be an excellent idea.

Joining social sites like Facebook or Twitter where people can get updates on new content.

Always get links back to your site whenever possible. If you can get back links to your site you will bet good search engine rankings. Article directories are a good way of doing this. Your articles will be permanently out there, and could attract links for years to come.

So you see, there are numerous ways of attracting interest to your site. It really is a question of persevering and testing out as many of the above as you can. It is easy to increase your website traffic and you could soon see a marked increase in traffic and sales, and consequently increased profits from your online efforts.

With a little determination and perseverance you wil soon see increased interest in your blog and will be on track to creating a successful online business.

Source: http://www.articleonlinedirectory.com/Art/657517/420/use-blogging-as-your-main-internet-strategy.html

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The Biology of Cancer

The Biology of Cancer is a textbook for undergraduate and graduate biology students as well as medical students studying the molecular and cellular bases of cancer. The book presents the principles of cancer biology in an organized, cogent, and in-depth manner. The clarity of writing and the lucid full-color art program make the book accessible and engaging. The information unfolds through the presentation of key experiments which give readers a sense of discovery and provides insights into the conceptual foundation underlying modern cancer biology. The Biology of Cancer synthesizes the findings of three decades of recent cancer research and proposes a conceptual framework from which to teach about these discoveries. It provides the neces

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The Biology of Cancer

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Source: http://automotive.bloggates.com/new-genuine-polaris-atv-accessories-lock-and-ride-backrest-2005-through-08-sportsman-pt-2875549/

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Book review: ?Th? Psychopath Test? b? Jon Ronson
Th? journalist looks ?t th? psychopathy disorder ?nd discovers th?t checklists ?nd experts don?t always agree ?n wh? ?? insane ?nd wh? ?? normal. Jon Ronson ?? fascinated b? people wh? ?r? bonkers. And insane people wh? appear t? b? normal, ?nd ostensibly sane people doing idiotic things. Th? British journalist?s book ?Th? Men Wh? St?r? ?t Goats? ? ?b??t a secret U.S. military wing th?t hoped t? ?
Read more ?n Los Angeles Times

Source: http://smiliesigns.com/book-review-the-psychopath-test-by-jon-ronson.htm

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twitter.com twitter.com ?Mario: Game Over? was nominated for Best Comedy Video of 2007 in the Youtube Awards. (From POYKPAC? if you like it, subscribe. You?ll be the first to know when we post new videos) CREDITS for Mario: Game Over Writer/Director ? Ryan Hunter Camera ? Jonny Gillette Sound Editor ? Taige Jensen Editor/Special FX ? Ryan Hunter Costume ? Jenn Lyon Props ? Taige Jensen & Ryan Hunter Music ? Luke Roberts CAST for Mario: Game Over Mario ? David Powell Peach ? Jenn Lyon Luigi ? Taige Jensen Cop ? Ryan Hunter Fraidycat ? Jonny Gillette Check out more music by Luke Roberts www.myspace.com Thanks for watching Mario: Game Over!

A very funny skit from Monty Python?s Flying Circus
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To truly prosper, businesses must move towards positive engagement with employees, suppliers and customers. A new model of business, and indeed free market capitalism, is necessary because the old one is broken and out of date.

In a white paper, "The Game Has Changed: A New Paradigm for Stakeholder Engagement," produced for the Cornell University Center for Hospitality Research, author Mary Beth McEuen, Vice President of The Maritz Institute, says "In the 'new normal' environment, businesses must do more than merely offer a good product or serve to create value...customers, sales partners, or employees, all are looking for relationships with organizations they can trust...organizations that care...organizations that align with their own values. Instead of viewing people as a means to profit contemporary businesses must see their customers and clients as stakeholders in creating shared value."?McEuen argues that traditional business beliefs that brought success in the past will not bring success in the future. People are very skeptical about businesses and a new approach is needed.

Despite the rapid significant changes that have occurred in the world of business, the management philosophy has been anchored in the classical economics view of the company merely as a economic entity that has a goal of appropriating the greatest possible value from all its constituencies. In this view, McEuen contends, management's core challenge has been to tighten the company's hold over its stakeholders, find ways to keep competitors at bay, protect the firm's strategic advantage and allow it to benefit maximally particularly for shareholders. The problem with this philosophy is that it is based on industrial-era paradigms that simply will not work in the new business and social environments.

In my National Post article, I said that the business world is fundamentally a community of people working together to create value for everyone in society, and that the pursuit by leaders of corporate and individual self-interest is a paradigm that has outlived its usefulness. That means a triple bottom line of profitability; social responsibility (both internally and externally) and sustainabililty must drive the capitalist engine. In my Financial Post article, I described some of the commentary at the World Economic Forum, which focused on the need to restrict narrow self-interest at the cost of collective good, and greater social responsibility.

At the crux of both the articles is the issue of a sustainable and equitable economy, and the fallacy that unrestrained economic growth, particularly growth that benefits the wealthiest individuals and corporations, can lead to improved human welfare--or basically, growth at all costs. It is clear now that we have to not just recover from an economic recession, but also reorganize the economy based on the quality of life rather than the quantity of life. The old model of business was based on a world with a small population, and a market economy as measured by GDP. But the world has changed dramatically. We live in a world with a large population and extensive capital infrastructures.? Material consumption and GDP are merely means to the end of improving our well being, not ends in themselves. Material consumption beyond mere need actually can reduce our well being.

From a management perspective, predominant theories of human behavior contained in business strategy and management are still mired in century old theories of transactional exchange and simple Skinnerian behavioral theories, ignoring the considerable neuroscience and human behavior research in the last decade. For example, many business leaders still believe that people make decisions on the basis of rationality and logic, when we know from brain science that emotions always play a pivotal role.

A new model of economy based on the goal of sustainable human well being for all people, not just a few, is needed, measured by factors that show sustainability, social equality and economic efficiency.

This presents a real challenge for the proponents of the current free market system, which would mean implementing economic policy on the basis of issues such as social fairness-something that is often attacked by business leaders and politicians being either socialistic or communistic. Yet, it is clear that the market economy has actually contributed to declining levels of social fairness in our society and increasing numbers of employees and customers are disengaging from businesses.

A new form of capitalism and business would move away from a zero-sum game to one where every stakeholder benefits without trade-offs and where there is a higher purpose that serves as a motivational beacon for the leaders and culture. The new business norm, MCEuen argues, calls for a new set of capabilities within organizations, including social networks as a means of getting work done, deeply engaging knowledge workers in meaningful work and relating to customers in ways that are more personal.

McEuen describes the new business norm, which has, as it's conceptual foundation, "shared value"-where the total pool of economic and social value is expanded. There are three core premises that underpin this new business norm:

Deeper insights into human motivation and behavior;
An understanding that meaning for people is very personal;
A commitment to the concept that people are at the center of strategy.

The old business paradigm was based on the belief that reason and rationality was dominant over emotion. Classical economics, which remains the prevailing paradigm underpinning most business practices, does not recognize that reasons and emotions are always interconnected and cannot be separated. The core of economic theory says that people operate out of self-interest, often through competition. Classical economics further presumes that people are completely rational and wired to make rational decisions based on self-interest. Many management practices are based upon the behaviorist theories of B.F. Skinner who proposed that understanding human psychology was a simple matter of observing behavior, and then predicting behavior, completely ignoring any internal processes. In the past two decades we have come to understand how the human brain and mental processes influence decisions, behavior and social interactions, but this knowledge is not reflected in the current business norm.

Our emotional and rational systems are working in various ratios all the time, intermixing mostly at the unconscious level affecting how your organization and programs are viewed, and whether people feel motivated to buy more, sell more, advocate for, work harder, innovate, create, bond with others... or join the disengaged stakeholders who simply "bear with" the organization as the other side of a transaction.

As part of the old business paradigm, we continue to perpetrate the myth, particularly in the U.S., of individualism. That every individual and company has to struggle to make it on its own. So we're taught to embrace the notion of man being a Lone Ranger, coming together with others only to accomplish self-interest purpose. Yet, as we know from brain science, our brains have evolved over millions of years in a social context of interdependence. We are "wired" to be social and seek out and develop social connections. In fact, studies have shown that emotions, attitudes and moods can spread among people like a virus. Similarly we know motivation is not only an individualistic thing; we are greatly influenced by the motivations of others, and we are driven by multiple motivations, not just simple material rewards.

True positive engagement in the new business norm recognizes that one size doesn't fit all because people are not all alike. Meaning in life is very personal because, as we know from brain science, our brains have individual filter systems that function beyond our conscious awareness.

To engage stakeholders in a manner that is meaningful and motivating requires an understanding of what they value, McEuen argues: "In practice, this requires a different paradigm relative to the design of business practices that effectively engage people. Too often, business leaders think first about what the company wants and needs to generate profit. The problem with this approach is that it fails to place equal attention on the wants and needs of the stakeholders."

Source: http://www.psychologytoday.com/blog/wired-success/201105/why-the-current-model-business-is-broken

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[unable to retrieve full-text content]Today's line of mobile or cell phones have a wide range of brand and third party accessories designed to help you get the most out of your cell phone and make your life safer. Quality cordless drill battery, external battery, ...

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[unable to retrieve full-text content]There are different types of pain treatment methods available today that help to maintain the ankle sprain and strain. holistic medicine is an effective pain management technique, which offers alternative health solutions, ...

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Ken Jeong Got Wife's Okay Before Getting Naked in The Hangover Movies

Tran and Ken Jeong

Brian To/PictureGroup

Ken Jeong donned his birthday suit in The Hangover and he does it again in The Hangover Part II, but before he showed off his body, he asked for approval from one person ? his wife.

"I got her permission. I'm not stupid," the actor, who plays flamboyant, foul-mouthed gangster, Leslie Chow, told PEOPLE at the film's Los Angeles premiere this week. "I ran it by her before I ran it by [director] Todd Phillips."

And obviously his wife, Tran, gave her hubby the green light. "I'm very blessed to have a supportive wife," said Jeong. "In fact she said this will be a feel-good movie because every guy will go home feeling good about themselves."

Jeong, who at the 2010 MTV Movie Awards gave a tearful tribute to his wife, who had successfully fought breast cancer, is happy to report her clean bill of health.

"She's been breast cancer free for the passed three years," Jeong said. "We have two girls, Alexa and Zooey, and they will be 4 years old next Thursday, the day Hangover 2 comes out, so we're really blessed. I'm just so glad everyone is happy and healthy. That's all you want in life."

Jeong is also grateful or his other "family," ? his castmates from the film. "[The Hangover Part II] is like being reunited with family again," said Jeong.

And he has nothing but praise for his costars, particularly Bradley Cooper. "He's one of my best friends and he's a movie star now and he's the same guy," says Jeong "unaffected and just a decent person. I love him."

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Source: http://feeds.people.com/~r/people/headlines/~3/YyZ4bnv6VXo/0,,20496242,00.html

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just now | WENN | See recent WENN news ?

Horror director Darren Lynn Bousman was spooked on the set of his new film 11-11-11 after sensing a bad "energy" following a series of ghostly goings-on.

The Saw director helms the upcoming movie about a haunting on November 11, 2011, inspired by the belief the date is jinxed and will spark an invasion of apparitions from the spirit world.

Bousman admits he believes there could be some truth to the theory after sensing a creepy vibe during the shoot.

He tells Total Film magazine, "I can't say it's a ghost, but it's the worst energy I've ever felt."

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God in our Stress: The Christian?s Guide to Stress Management James Klotzle is a Christian life coach, counselor and author living in St. Paul, Minnesota. God In Our Stress is a powerful Christian self-help book for effective stress management, with internal navigation links & printer-friendly activity section. God in our Stress: The Christian?s Guide to ?

Source: http://artiicles.com/business/human-resources/human-resources-barrons-business-library-2/

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Click here to read Practice Your eBay Skills By Selling A Toddler

19-year-old Autumn Braden wanted to "see how eBay worked," and as we all know, selling your 2-year-old cousin is the best way to learn! Braden auctioned the girl while she was babysitting last week, posting, "Kid for sale, an adorable child for sale ... Can clean and hold a decent conversation. Very lovable, but I just grew out of her." A concerned citizen bid $1,000 for the girl, then immediately called police when her offer was accepted. They girl is now back with her mother, and Braden has yet to be charged. She says it's obvious the post, "wasn't meant to be taken seriously." More »

Source: http://feeds.gawker.com/~r/gizmodo/full/~3/UoNXba6kNU0/practice-your-ebay-skills-by-selling-a-toddler

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Saturday Night Live wrapped on Season 36 last night with host Justin Timberlake and musical guest Lady Gaga. As if those two weren?t enough star power for the evening, Jimmy Fallon and Bradley Cooper made unexpected appearances as well. Here are four of the best sketches from last night's season finale.

1. 3-Way Digital Short

Justin Timberlake and Andy Samberge may have topped their Emmy-winning digital short D--- in a Box last night when the two reprised their roles in a slimey early 90s rap duo. In their new song 3-Way, the pair sings about sharing an illicit act with a woman played by Lady Gaga. The chorus goes like this: ?It?s not gay when it?s a three way. With a honey in the middle there?s some leeway.?

2. Nicholas Cage on Weekend Update

Andy Samberg as Nicolas Cage questions the real Bradley Cooper as to why he was not asked to star in The Hangover Part II.

?It?s basically a shot for shot recreation of my life," the faux-Cage says. "I am the human hangover,?

Cooper tries to make peace.

?Maybe you were too busy," says Cooper. I mean, you?re in every movie."You?re like a dangerous Eugene Levy."

3. Jimmy Fallon as Barry Gibbs

Jimmy Fallon made a surprise visit to resurrect his impersonation of Bee Gee Barry Gibbs, who in the SNL world is the inexplicable host of a current affairs program.

4. What's That Name?

Timberlake and Gaga appeared as themselves on a gameshow where they win money for charity for identifying the names of people. It gets awkward when Timberlake can't name the woman who he had a fling with two weeks prior.

Source: http://feedproxy.google.com/~r/thr/television/~3/RIhtzf8K-II/justin-timberlake-lady-gaga-snl-191023

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Facebook announced recently that they will be moving away from the FBML language and jumping into the more sophisticated IFrame technology. What this means to you is the way you design your Facebook pages. The bad news is that you will have to adjust and adapt, but everything that I'm hearing suggests that this new Reveal Splash is very cool and will be even better for internet marketers and small business owners. Phil Benham & Daniel Tan have recently introduced Facebook Maxed which is designed to help the internet marketer fully leverage this new Facebook IFrame technology.

Daniel Tan is a huge name in internet marketing with a variety of successful products in his portfolio including; SEO Business Box, SEO Pressor and Backlink Syndications System. Phil Benham is also a successful internet marketer and owner of Houston based Local Dominate.

Their recent introduction of Facebook Maxed underscores their understanding of the increasing significance of social marketing within the internet marketing community.

The bottom line is that this new IFrame system will now allow internet marketers to set up a complete website type space on Facebook. The Reveal Splash interface will allow you to include video with lead capture capabilities. Things like background color can be easily altered. A very intriguing feature allows you to present a specific format to people who "like" your site and a different configuration to everyone else. As an internet marketer this is phenomenal because you can now show favoritism and give your "like" crowd more goodies and targeted content that can serve as a marketing ploy to win over others.

In addition, FTP programs, text editor functions and HTML5 capabilities have been included in the new technology. HTML5 means that everything is now fully mobile compatible. The major complaints with the new IFrame interface is that you now need to pay for hosting, but hosting is very inexpensive. You will also need an HTML editor and FTP programs, but they can found for free if you snoop around a little.

Facebook Maxed in a training program designed to help you understand, implement and exploit the new IFrame technology that Facebook is embracing. Among other things it will show you how to set up Fan Pages under the new IFrame format. Early users say that Facebook Maxed is well designed and easy to use. The training walks you through what you need to know and what you need to do and then goes about showing you how to accomplish them. The only potential weakness in the training is that it does not discuss Facebook paid ads and how to capture paid traffic.

The latest news out of Google suggests that they are increasing relying on "social coding" to rank websites. That means that if you think that all these social networks are just a fad, then think again because you're going to get lost in the dust. If you want to rank or continue ranking on Google, then you need to be into social marketing and that's where Facebook Maxed can really help you. It can get you up to speed with all the recent Facebook changes and end up making you look good in the process. It can be purchased for a one-time $47.
?

Source: http://business.ezinemark.com/facebook-maxed-review-is-the-social-media-important-to-internet-marketers-17f320e1e6b.html

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What is it for?

One of the many uses of people?s credit report is to review how well organized their finances are and also show their quality of the credit life because every economical detail goes to this report and stays there for many years; even more so when it is a critical issue like a debt or bankruptcy. Many financial companies just look for this report and base their judgments on it.

The credit report determines if a person is eligible for loans and credits and gives people financial reliability.

Any mistake that appears on the credit report directly changes your financial status, so people should always check it before applying for any loan or credit.
In some rare cases, credit reports can be misleading and affect people?s financial status, in such situations there is a specific time for the reporting period. It usually is 7 years.

The 7-year reporting period is estimated from the date when the event occurred. Here we have an example, let us presume that one of your payments on a loan was late in February but you caught up in March. The same thing happened again in August, and you caught up in September. In November happened again, but you did not catch up, and the account was reported to a debt collection agency in January. Since you did not make any more payments, the account gets reported to profit and loss in August.

According to FCRA regulations, each late payment is reported and will appear on your credit report for as long as 7 years. The collection process and the charge to profit and loss will surely be reported from the date of the delinquency onward.

Although this 7-year period is regulated by government laws, there are few exceptions where there is no time limit, such as: bankruptcy, criminal conviction, student loan, information on a lawsuit or unpaid judgment and credit information in answer to a job application. It is much recommended to look up for professional advice before making any important decision regarding collection agencies.

But no matter how much we know about the profound consequences of not keeping a healthy credit report, we still end up in debt.
No matter how serious the debt problem is or how far the loan gets, people should always try their hardest to free themselves from debt, and debt consolidation is one ?if not the best- of the possibilities to regain financial stability.

Check these links to learn more:
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personal-bankruptcy-avoidance.com/Bankruptcy/FL-Florida/Bankruptcy-FL-Florida.shtml personal-bankruptcy-avoidance.com/Bankruptcy/FL-Florida/Bankruptcy-FL-Florida.shtml

Martin Rogers is a contributing writer to personal-bankruptcy-avoidance.com personal-bankruptcy-avoidance.com and is currently writing some special articles to guide business on how to manage debt and avoid bankruptcy.
For Free Credit Report Information and Debt Help Consultation, call toll-free 1-877-850-3328

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Source: http://www.story-of-finance.com/the-importance-of-the-credit-report.html

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