Wednesday, February 29, 2012

Yoga Fans Sexual Flames and, Predictably, Plenty of Scandal

[unable to retrieve full-text content]Since the baby boomers discovered yoga, the arousal, sweating, heavy breathing and states of undress that characterize yoga classes have led to predictable results.


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Circle of Financial Growth | Budgeting In the Fun Stuff

If you're new to BFS, please subscribe to my RSS feed. It shows me a vote of support and keeps me motivated to keep your attention. If you have any questions or comments for me, please contact me and I'll get back to you asap. Thanks for visiting!

The following is a guest post from Evan, who?writes at My Journey to Millions, a blog about personal finance, estate planning, taxes, his multiple streams of income and whatever else he feels like writing about that day.


image thumb Circle of Financial Growth

I have been thinking about this post for a while but didn?t know where to take it until Crystal became my unlikely muse. In her post announcing the newest member of team Crystal-For-Hire she mentions,

So yes, all of our eggs are in one very new basket, but we wove that basket well. I have created a growing business that I love and that hopefully shows. My husband is fantastically detail-oriented and very intelligent, so with his help, this business will continue to grow, be able to expand even more, and we have always been able to handle more together anyway.

Between reading that post and knowing about her mortgage destruction plan something started to click for me and it was the Circle of Financial Growth.

What is the Circle of Financial Growth?

Often those not obsessed with personal finance will take one step forward and one step back. This means that they will ?insert money saving technique here? but never actually capture the gain. We all have that friend who will be pumped up about savings $50 on his cable bill monthly, only to increase his monthly trips to the bar completely negating the gain. Interestingly, people tend to do this with weight loss as well. I have a friend now who has given up all alcohol until June but continues to eat loafs of bread when he goes out to dinner. Notwithstanding my portly friend, the idea is to capture your ?money-win.?

image thumb1 Circle of Financial Growth

For Example, this past year I destroyed my last non-mortgage/student loan debt. Instead of just letting that $300 accumulate in my checking account (which is a financial disaster for me since I have to keep myself cash poor) I set up an automatic ING deposit in the same amount. Now my family?s cash flow never changed but I am saving more money. Crystal on the other hand is using her circle to pay off her mortgage early. What will that do by its very definition? Free up more cash flow. Which in then can be used to build yet another circle that will fund her next project.

Applying the Circle of Financial Growth to Multiple Streams of Income

I am obsessed with getting to a place in my life where I have multiple streams of income. The theory in it of itself, never less the actual accomplishment, provides me with a feeling financial freedom. Currently an abridged version of my secondary income looks something like this:


image thumb2 Circle of Financial Growth

All most all of my blogging income is used to keep that machine running and some is used to build more circles.

What are some of your Circles of Financial Growth? Are they debt related only right now (Debt snowball)? Or are you trying to build multiple streams of income as well?

Crystal?s Comments:? Yep, saving money doesn?t mean anything until you figure out where to invest it, put it, or what to pay off with it.? As Evan already noticed, we are paying off our house with some extra income and building up our investment portfolio with some of it as well.


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Tuesday, February 28, 2012

Are You Suffering From A Lack Of Vitality? | New Health and Fitness

New Health And Fitness.Org - Health Information You Can Use

In the world we live nowadays there are many health conditions and ailments that are related to our lifestyles. While the best solution would be to prevent the problem before it occurs, in some situations, these health conditions can develop into serious problems requiring medical attention. Still, there are other aspects to our health that may not necessarily be a grave concern and yet affects our everyday lives. For instance, you may observe that your relationships and work life are impacted by your chronic low energy levels. If you start out each day worn-out, most likely you have an underlying health problem. In this article, we will investigate how you can boost your energy and lead better life.

A good way to increase your energy is to add more activity into your life. Even though it may not seem to make sense when you already have low energy, these days many of us spend more time on the couch than we do moving around. Our homes have become places where we can entertain ourselves with computer games and satellite television and so there is less reason to go out and exercise. You can unquestionably increase your energy levels if you choose to become fit. Getting fit can be as easy as going out of the house and walking or signing up with a local gym. Even lack of time is not an excuse because workout games and programs that you can use at home are readily available.

The next area to consider in your life is your diet since this can make a big difference to the amount of energy you have all through the day. Know that you have the option to make healthy food choices at every meal that can help to boost your energy. Just think of how hungry you become only a couple of hours after eating a sugar-laden breakfast cereal and having a temporary sugar boost. If you consume some oatmeal instead, your heart will benefit and you will get a more well-balanced level of energy. You can practice these alternative choices throughout the day by consuming fruit, seeds or veggie sticks rather than always choosing a chocolate bar. And see to it that you keep yourself hydrated by drinking an adequate amount of water each day.

Stress is frequently another significant factor in poor energy levels. The cause of this may make it easier or more difficult to overcome contingent on what the reason is. Still, it is always worth bearing in mind that in many situations, stress is caused by how we react to a problem and so you need to try to change this. Besides healthy diet and fitness changes, adding a meditation routine can be a huge help.

Therefore, you can boost your energy levels and have a happier life by making a couple of positive changes in your life.

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Monday, February 27, 2012

Rain delays start of NASCAR's Daytona 500

An crew member walks past race cars covered to protect them from the rain before the NASCAR Daytona 500 Sprint Cup series auto race at Daytona International Speedway in Daytona Beach, Fla., Sunday, Feb. 26, 2012. (AP Photo/John Raoux)

An crew member walks past race cars covered to protect them from the rain before the NASCAR Daytona 500 Sprint Cup series auto race at Daytona International Speedway in Daytona Beach, Fla., Sunday, Feb. 26, 2012. (AP Photo/John Raoux)

Crew members push driver Elliott Sadler's car down the starting grid in the rain before the NASCAR Daytona 500 Sprint Cup series auto race at Daytona International Speedway in Daytona Beach, Fla., Sunday, Feb. 26, 2012. (AP Photo/John Raoux)

Car owner Roger Penske, center, chats with drivers Denny Hamlin, left, and Joey Logano in the garage area prior to the NASCAR Daytona 500 Sprint Cup series auto race at Daytona International Speedway in Daytona Beach, Fla., Sunday, Feb. 26, 2012. (AP Photo/Phelan M. Ebenhack)

New York Giants NFL football defensive linemen Justin Tuck, left, talks with Jared Erspamer, of Omaha, Neb., while walking through the garage area with teammate Osi Umenyiora, rear center, prior to the NASCAR Daytona 500 Sprint Cup series auto race at Daytona International Speedway in Daytona Beach, Fla., Sunday, Feb. 26, 2012. (AP Photo/Phelan M. Ebenhack)

AJ Allmendinger's car (22) and others remain parked on pit road due to a rain delay before the start of the Daytona 500 auto race at Daytona International Speedway in Daytona Beach, Fla., Sunday, Feb. 26, 2012. (AP Photo/John Raoux)

(AP) ? NASCAR's premier event, the season-opening Daytona 500, is being delayed by rain.

Heavy showers drenched the famed speedway Sunday afternoon, sending fans scattering for cover and leaving everyone in wait-and-see mode.

Radar shows little relief in sight, too.

"It's one of those days here in Daytona where it pops up and falls off and pops up and falls off," NASCAR president Mike Helton said. "But as the day progresses, we think the chances of the pop-ups diminish quite a bit. Hopefully this will be the last big cell we see and things will start falling apart and we can get the track dry and go on and get finish and run the Daytona 500 today."

NASCAR officials pushed back the start of the race shortly before the green flag was scheduled to drop.

They intend to wait as long as possible in hopes of getting the 500-mile race in Sunday. NASCAR says Fox is committed to broadcast the event, even it means going head to head with the NBA All-Star game and the Oscars.

It doesn't look like the Daytona 500 will begin any time soon, though.

The track takes about two and a half hours to dry, but the process can't be started until it stops raining. No Daytona 500 has ever been postponed.

"We are equipped," Helton said. "The Daytona International Speedway has every drying piece of machinery they got across the country here today, because we know that the fans at home and the fans here in Daytona want to see the race run. We do, too. The sooner, the better."

The forecast calls for intermittent showers most of the afternoon, and even worse weather is on tap for Monday.

"I got a feeling this is going to be a long day," driver David Ragan wrote on his Twitter feed. "I really feel bad for the fans that are soaking wet. I am going to make a grocery store run."

NASCAR went ahead with driver introductions and the national anthem, so once the track is dry, racing can commence.

Associated Press


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Sunday, February 26, 2012

States called on to restore anti-smoking funds (AP)

[unable to retrieve full-text content]AP - Steve Panetta smoked for 34 years, the last 10 at a three-pack-a-day clip. He watched his father die from lung cancer and his stepfather struggle with emphysema. He tried quitting six times before a state-funded cessation program helped him beat the habit in 2002.


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Is An LLC The Correct Move For Your Tiny Organization? | Best ...

A fairly new type of organization construction is gaining acceptance amongst tiny organization owners: the restricted liability firm or LLC.Not way back, a business owner had solely two selections, keep a sole proprietor or integrate.

Nevertheless the comparatively new LLC classification might be the proper answer to somebody operating a minor company even so who will not require the a lot more formal construction of a corporation.

LLCs are available in all fifty states, something that wasn?t correct just 10 a long time ago.As a outcome of LLCs are seen as less complicated to develop and a lot more versatile than a corporation, many small businesses are choosing this way of structuring their tiny organization.

It is a sensible alternative for somebody who is commencing a company that is unlikely to ever go public as a result of it delivers a number of of the very same legal protections of an organization but even though not some of the difficult tax laws associated with them. But like something you do in enterprise, there are positive aspects and disadvantages that you need to have to bear in thoughts of before making this move.Some of the positive aspects are:-If your business holds property, an LLC may well be the far better option at tax time.

For the duration of a corporation, any revenue from will enhance in assets value are double taxed. For instance, the corporation as effectively as the officers and shareholders of the corporation face a tax if the home is sold. In an LLC, the tax is paid after by the organization house owners, and not by the corporate itself.-Forming an LLC gives you a great deal of the identical legal protections as a corporation. For instance, if your organization gets sued, the owner?s individual assets are protected. If you?ve got an organization or organize to start a organization, it is typically a sensible notion for your legal protection to make your enterprise a separate legal entity-This company framework was permitted therefore that tiny businesses would be prepared to own the legal protection of an organization without having the restrictions, formalities, and liabilities associated to incorporating.-As a outcome of an LLC is less formal, the corporate is not essential to hold board meetings or record meeting minutes creating it less difficult to operate.Some negatives:-Each state?s LLC laws differ slightly, thus if your company functions in several diverse states, you wish to understand that state?s guidelines for LLCs.-Corporate laws are endless, generating it less complicated for attorneys to defend a shopper that is integrated. LLC laws are far less prevalent, producing it a lot of troublesome for attorneys.-In most states, when the owner of an LLC dies, the LLC ends as properly.

In a corporation, the organization entity continues on till it s formally dissolved.Whilst forming an LLC is easier and demands less paperwork, it is a very good notion to urge expert support with this. LLC applications should be submitted to your state?s Secretary of State, and a handful of states need organization homeowners to submit an operating agreement which defines profit sharing, ownership and ownership transfer.

John Q. Ruschmeyer II writes about a wide variety of topics. This writer also sells products such assports billiard supplies and get paid to take surveys


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Saturday, February 25, 2012

Spa Types ? The 5 Common Categories Of Spa | The Medical Spa

Spa stands for salus per aqua, which means healing by water. According to Wikipedia, the term spa is related to some form of water treatment which is also known as balneotherapy. In laymans terms, a spa is a place where you can receive spa treatments, most commonly facial, massage, and body treatments.

A regular visit to the spa brings release of stress, rejuvenate your mind and body.

There are many types of spa in the current industry. And it?s very important to know the difference so you get to enjoy what you are searching for.

Day Spa. A day spa delivers spa treatments on a day-use basis. It is something that people can enjoy every day. It can be located in a shopping mall, workplace complex, shop-office, or any other designated commercial zone. And it usually provides a comprehensive treatment menu which includes massage, body, waxing and facial and some form of water based treatment.

Destination Spa. Its primary purpose is to help you lead a healthier lifestyle through spa services, physical fitness activities, wellness education, healthy cuisine and special interest programming. Usually, more than two-night stay. Some even have a requirement of minimum stay of three or seven nights. Some destination spas are located in exotic places.

Resort/Hotel Spa. A spa that located within a hotel or resort. It offers spa services, fitness classes and spa cuisine. It is a good choice when one person wants spa and the other would like to do something else for example golf or tennis. It also works for business travellers and families.

Medical Spa. A medical spa is also known as medispa or med-spa is often a hybrid between a medical clinic and a day spa that operates under the full-time supervision of a licensed healthcare professional. It offers treatments that require a doctor?s supervision, such as laser resurfacing and Botox injections. It also provides spa treatments.

Family spa. Family spa has facilities delivering complete salon and spa services for the whole family and group parties. Its an ideal get-away for families that are seeking for a fun experience focuses on wellness, education and bonding.

Above are the common types of spa available. This is definitely not an exhaustive list. There are other types such as casino spa, airport spa and etc. that are only found in certain countries.


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Bloomberg: NYPD's monitoring of Muslims was legal

FILE - In this Dec. 29, 2011, file photo, New York City Police Commissioner Ray Kelly speaks at a news conference with New York Mayor Michael Bloomberg, left, in Brooklyn, N.Y. New York Police Department spying operations began after the 2001 terror attacks with unusual help from a CIA officer. "If there are threats or leads to follow, then the NYPD's job is to do it," Bloomberg said. "The law is pretty clear about what's the requirement, and I think they follow the law. We don't stop to think about the religion. We stop to think about the threats and focus our efforts there." (AP Photo/Henny Ray Abrams, File)

FILE - In this Dec. 29, 2011, file photo, New York City Police Commissioner Ray Kelly speaks at a news conference with New York Mayor Michael Bloomberg, left, in Brooklyn, N.Y. New York Police Department spying operations began after the 2001 terror attacks with unusual help from a CIA officer. "If there are threats or leads to follow, then the NYPD's job is to do it," Bloomberg said. "The law is pretty clear about what's the requirement, and I think they follow the law. We don't stop to think about the religion. We stop to think about the threats and focus our efforts there." (AP Photo/Henny Ray Abrams, File)

(AP) ? New York's mayor offered a robust defense Friday of a secret police department effort to monitor mosques and Muslim businesses and student groups in several states, following a week of criticism from college administrators and politicians who said the intelligence-gathering pried too deeply into the lives of law-abiding people.

"We just cannot let our guard down again," Mayor Michael Bloomberg said.

Speaking on his weekly radio show on WOR-AM, Bloomberg declined to discuss details of the anti-terrorism programs, detailed in a series of stories by The Associated Press. But he said the intelligence-gathering was "legal," ''appropriate" and "constitutional."

It was a more vigorous defense of the police department ? and a more dire picture of the dangers faced by the city ? than he offered just days ago, before the criticism intensified.

Bloomberg said the efforts were vital to protect the city, which took the brunt of the 9/11 attacks and also witnessed the 1993 bombing of the World Trade Center.

"We are not going to repeat the mistakes that we made after the 1993 bombing," he said. "We just cannot let our guard down again. We cannot slack in our vigilance. The threat was real. The threat is real. The threat is not going away."

As he has previously, the mayor denied that the department's monitoring of Muslims not suspected of any crime amounted to spying. Instead, he suggested that the department's intelligence-gathering efforts ? which involved photographing mosques, eavesdropping on conversations inside shops, and keeping files on Muslims who Americanized their names ? amounted to looking around, "just to kind of get familiar with what's going on."

"We don't target individuals based on race and religion," he said.

His remarks came at the end of a week that started with the police department coming under harsh criticism from several college administrators, including the president of Yale University, after the AP revealed that police agents had monitored Muslim student groups around the Northeast and had sent an undercover agent on a whitewater rafting trip with one group of college students.

More criticism came from public officials in New Jersey after another AP report detailed a secret effort by the NYPD to photograph every mosque in Newark and catalog Muslim businesses.

Officials in three states have traded accusations over who knew what about such NYPD programs.

Critics have said it isn't appropriate for the police to spy on law-abiding citizens without reason to believe they have committed a crime. Newark Mayor Corey Booker was among several New Jersey officials who said they were surprised and concerned to learn that the NYPD had broadly monitored Muslims and mosques in that state.

Bloomberg has been unapologetic about the police department's efforts, and he said again Friday that the NYPD would continue to do "everything that the law permits us to do" to detect terrorists operating in the U.S. before they have a chance to act, even if those activities turn out to be unpopular.

"This is not a joke. This is not a political statement, a political football to play with," he said.

Associated Press


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Friday, February 24, 2012

Internet Marketing Pertaining to Small Business | Easy Scratch Offs ...

Online marketing for Small Business ? The fundamentals
If you aren?t already knowledgeable about internet marketing for small business, you will need to know only the influence it could have to your business inside generating a greater consumer foundation marketing for small business. The functions involved in internet promotion are a tad different than that relating to traditional advertising and marketing, but provide a much stronger tactic. The actual effect web marketing advertising campaign can have for a small business will be well over that of classic marketing, permitting small businesses to a target the most shoppers with ease and great control over the venture. Marketing with the internet offers a highly effective control over the advertising and marketing attempts and supplies several methods and assets that are additionally quite effective inside marketing just about any small business for you to great heights.

Internet Marketing for Small Business : Creating the Optimized Website
The first step to the internet promotion venture is to make sure that there is an optimized site. Search engine optimization (SEO) has become a large determine marketing these days, and entails several functions that must be performed appropriately.

Keyword research and improvement
Keyword placement by means of text, labels, and information
Back linking and link exchange
Registration along with search engines

From your very moment you ultimately choose a site, SEO should be what?s on your mind. Internet marketing for small business can be a powerful venture but even the start have to be appropriate.

Online marketing for Small Business ? Gps unit perfect Audience with the Search Engines
While you begin your internet marketing venture, you will understand that you are considering your audience in every single step of the way. You choose keywords which can be likely to be searched by your focus on consumers, and you?re exchanging hyperlinks with other internet sites that your focus on consumers are making use of business directory. The thing is, website marketing for small company has another target in mind: search engines. The most popular search engines consist of:

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SEO should play an important part within your internet marketing for small business initiatives. You are targeting these types of search engines at the same time, seeking to end up being indexed whenever you can, receiving the highest search engine ranking achievable. Why? Mainly because your focus on consumers acquire online and pick one of these engines like google to search for what they already want. They sort a few phrases in the search bar and there is a search engine results site that occurs and you need to be at the top, since 9 periods out of 10, your focus on consumers are selecting between the first 10 internet sites as the enterprise for their requires.

Internet Marketing for Small Business : Social Networking is exceptionally effective
Increasingly more these days, website marketing for small company is performed by means of social networking. There are numerous different types of social networks including blogs and message boards and networking internet sites such as LinkedIn, Myspace, and others which can be becoming well-known, in which an entire community becomes together as a way to discuss products or services, and you would like your business to stay the dialogue.

Through the use of search term rich blogs and content articles, you can engage with your target shoppers, providing them with remedies they may require in order to obtain their trust in your services or perhaps products. These blogs can easily contain hyperlinks to your internet pages, but most importantly should assist in building a contact list by means of opt-ins and monthly subscriptions.

Internet Marketing for Small Business : Summary
If you haven?t started by now, now is the time to focus a major section of your advertising and marketing efforts online. Internet marketing for small business can be a strong push in expanding a large client base. Advertising locally or even globally may be possible, and most efficient with the proper keywords. Become familiar with through time that the more quality keywords and phrases and url exchanges hold, the more energy your web advertising and marketing has, allowing you to generate good quality traffic and build a much greater consumer foundation. The use of internet based marketing techniques has never already been so easy and manageable, getting more energy into the initiatives without because the cost because traditional advertising and marketing measures to take forth even similar outcomes. Internet marketing for small business is crucial if you want to increase your business and income to a higher level.


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Tuesday, February 14, 2012

Christmas time Looking for Your Wife | How To Play Tennis

Almost all males do not appreciate the very idea of Yuletide products browsing ? fast paced merchants, yelling children, nothing available in the type you need. Add to that for most of discovering anything authentic and polite for his or her spouse ? the load all can add up. Whilst these men may really like their spouse really, the very idea of discovering and acquiring the right Yuletide present for spouse or present for girlfriend their wife looks like a challenging and frequently not possible activity. Their spouse probably have no idea of that the partners contend with this worry each and every year. They may be quite likely to believe pay day loans are really easy to look for and that getting a proper present for them isn?t a trouble in the least. So why do most men have a lot problems Yuletide purchasing their spouse? Want offer you some suggestions for Yuletide found tips their spouse will cherish.

Over summer and winter a lot of men is going to functions using spouse. These events may be any type of party for nephews and bad credit cash advances proposal nights for family participants or friends or housewarming functions for friends. At all these gatherings you will most likely give something and quite a few most likely this present are going to have been acquired by the spouse. Majority of the women really appreciate browsing so normally tackle the responsibility of it might be. So when it comes to Yuletide the men out of the blue wind up having to buy products with little or no practice during this overwhelming territory. In which gals usually are expert during this field, to online payday loans direct lenders it is unknown rich waters rarely launched into.

A lovely concept for any Yuletide present for spouse is usually a family photo framework photograph framework using a photograph of the pair of you or of all the family inside. As a result quite a polite special present which she could display forever whilst keeping happily presented. You can also get customised picture frames that would increase the risk for present all the more bona fide and emotional. To acquire her customised imprinted meaning is likely to make the existing even more special and crucial that you her all of which will show her you undoubtedly proper care.

A further Yuletide present for spouse concept is some pretty shower and the entire body products. Skin care products are usually a good concept for girls since it is usually pretty to get some pampering products. Any shower products which incorporate essential skin oils are proposed while they incorporate constructive health and fitness benefits. Critical skin oils incorporate components which showcase peace and satisfaction ? important with the challenges and ranges of every day lifetime. These soothing and muscle tissue soothing skin oils will assure your sweetheart contains the pleasure time she should get ? from you.

Just about the most well-known Yuletide present for spouse recommendations is a form of bracelets. Find out initial if she wears gold or silver bracelets normally gals desire 1 kind. Getting the most costly piece you will find isn?t necessarily the most effective concept ? aim to select anything in a very type, colour or design for you to really feel she would like ideal. Probably pick out something attributes her preferred stone or simply a section of bracelets that has a style of anything she enjoys, like popular music or pets.

Try out these tips and tip this year when you are conducting your Yuletide browsing and take the anxiety and fret out of your look for the right Yuletide products on her behalf.


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Forums: Image quality with third-party casings, Scared to Jailbreak

It’s Monday again and we’ve kicked this one off in full gear. If you happened to miss out on anything from the weekend or earlier today, be sure to get


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Monday, February 13, 2012

Grammy 2012 Winners List & Performances (VIDEOS)

Grammy 2012 Winners List & Performances (VIDEOS)

The biggest stars in music gathered together at the Staples Center in Los Angeles for the 54th annual Grammy Awards. The Grammys were hosted by [...]

Grammy 2012 Winners List & Performances (VIDEOS) Stupid Celebrities Gossip Stupid Celebrities Gossip News


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96% Pariah

"Pariah," from first-time writer/director Dee Rees, doesn't break much artistic ground. It tells the same gay/lesbian coming-out story that we've seen a million times. But it's told particularly well and from within a black urban context, which I don't believe has been done before. It also goes a bit deeper into the hearts and minds of the homophobic parents than typically is done, which was great. Unfortunately, it only scratches those surfaces. Kim Wayans, who of course has a long history in comedy, shows she has major dramatic talent, playing the homophobic mother of the main character. The cast is universally good, but Wayans is the stand-out. The main character is a black teenage girl in Brooklyn going through the coming-out process. She has fully come out to herself as a lesbian, and she has even found her way into a lesbian circle of friends. She even frequents a women's night club. But she hasn't told Mom or Dad about any of this, both of whom are homophobic. Mom is particularly venomous in her hatred of gays and lesbians. You can see that Dad, a detective in the NYPD, in his heart of hearts is not a bigot. Thrown into the mix to complicate things a little bit is a bisexual girl eager to have lesbian experiences to explore herself. But she tosses lesbians aside like useless candy wrappers after she's had her fun. If I were going to give Dee Rees advice, I would say this: Ms. Rees, in "Pariah" you started digging into the parent characters with some real psychological and artistic depth. I encourage you to go more deeply in that direction. I think your true gifts as an artist lie there. I would give anything to see a sequel where you explore what happened to that mother and what she's really fighting. You hint that her husband is beginning to stray, but I think there's more in there. Help us see it. Remember when that great schoolteacher tells Alike that she could "go deeper" with her poetry? You could go deeper with your films. I know you could.

January 1, 2012


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Sunday, February 12, 2012

Cancer And How To Make The Best Of It. | New Health and Fitness

New Health And Fitness.Org - Health Information You Can Use

Doctors know more than you do about a deadly disease like cancer. That goes without saying. But no one but you knows what you?re willing to do in order to save your life. That?s why it?s important to examine all options when you have cancer. Read these tips below and find out about your options.

Skin cancer can be very serious, even deadly. Malignant Melanoma is a serious type of skin cancer that often can?t be cured. Be proactive and have your skin checked regularly by your doctor or dermatologist. He or she can see places you can?t and examine you for suspicious moles and skin changes.

Learn about meditation and guided visualization. These techniques will help you get through this difficult time. You will be able to do both of them as you are at home getting some quiet time or even when you are sitting through your treatments. It will help you to pass the time in a positive way.

Cancer is very tough on the body so it is very important that you maintain a healthy lifestyle. Eating right and exercising is essential for the strength needed to fight this disease. Studies show that people who exercise during treatment are better able to cope and may also live longer.

Listening to relaxing music can often calm your mind when issues regarding the future come to pass while dealing with cancer and the treatments. Many people are able to quiet the depressing thoughts that come into their mind by listening to music that makes them happy or excites them.

Many people suffering with cancer also have post-traumatic stress disorder, commonly known as PTSD. If you notice that you have any of the symptoms of PTSD, you should immediately get help from a professional. Symptoms of PTSD include aversion to people or places, flashbacks of events, irrational fears, and changes in your sleep patterns.

If you feel as if you cannot express your true feelings about your disease and the treatment for it to your family, look into a social worker that your treatment center may have for you to talk with. If the center does not have one there, you are sure to find one through the internet in your area.

There is always a chance that a mammogram won?t be able to spot any tumor, so a manual breast inspection is in order if you want thorough results. A skilled mammogram technician should also be skilled at giving a manual exam and also skilled in showing you how to give yourself a breast exam.

Chemotherapy is known to affect taste buds and make certain foods taste quite different. A lot of patients complain of water and meat tasting metallic. If some foods you like do not taste right, make substitutions for them, for instance, if you can?t eat beef, try chicken instead. If water has a terrible taste, add a lemon slice or try flavored water. You can also adding different seasonings to your food to see if you like them better.

It is important to eat well when you are battling any form of cancer. When you are receiving treatment, you may feel nauseous or weak. There are certain foods that you can eat to feel less ill or to feel stronger throughout the day. You need to learn what those foods are and eat them on a regular basis.

So as you can see, being prepared with information can help you when faced with the urgent challenge of dealing with cancer. Learning more about cancer now is the best way to deal with the situation calmly if you ever get cancer.

It matters not how much you think you know about Treatment For Esophageal Cancer and even on Pancreatic Cancer Stages, read this awesome site to be amazed at really revealing information.

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Saturday, February 11, 2012

Obama shift on birth control seeks to placate Catholics (Reuters)

(Reuters) ? President Barack Obama, in an abrupt policy shift aimed at quelling an election-year firestorm, announced on Friday that religious employers would not be required to offer free birth control to workers and that the onus would instead be put on insurers.

The compromise sought to accommodate religious organizations, such as Catholic hospitals and universities, outraged by a new rule that would have required them to offer free contraceptive coverage.

Instead, the new approach puts the burden on insurance companies, ordering them to provide workers at religious-affiliated institutions with free family planning if they request it, without involving their employer at all, the White House said.

"Religious organizations won't have to pay for these services," Obama told reporters in the White House briefing room. "But women who work at these institutions will have access to free contraceptive services."

He insisted the revised policy, which came after he ordered aides to speed up their review of the controversial new rule, would ensure "religious liberty" while protecting women's health.

Weighing in publically on the issue for the first time, Obama acknowledged that religious groups had "genuine concerns" about the birth control rule but he accused some people of a cynical effort to turn the issue into a "political football."

The rule had sparked an outcry from Catholic Church leaders, Republicans and other social conservatives who denounced it as an attack on religious freedom.

The policy shift is aimed at defusing the controversy and preventing it from becoming a liability for Obama's re-election campaign, while at the same time trying not to anger his liberal base. But it was unlikely to assuage all of the concerns of church leaders.

The regulation at the center of the controversy requires religious-affiliated groups such as charities, hospitals and universities, but not churches themselves, to provide employees coverage for birth control as other health insurance providers must do. The Catholic Church opposes most methods of birth control.

(Additional reporting by Susan Heavey; Writing by Matt Spetalnick; Editing by Vicki Allen and Ross Colvin)


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Video: PRESS Pass: FRC?s Tony Perkins

Political roundtable

Santorum's sweeping victories reshape the Republican field in an otherwise busy week in politics where issues like religious freedom and gay marriage rocked the political landscape. ?Plus, a "super" decision by President Obama encouraging contributions to his Super PAC ensures that we'll hear plenty of political sparring on the airwaves en route to the November election. Our roundtable previews the fall campaign: Joining us,?head of the Super PAC supporting Pres. Obama, Bill Burton; Wall Street Journal's Peggy Noonan; Washington Post's EJ Dionne, and MSNBC?s Joe Scarborough.


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Friday, February 10, 2012

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Six Effective Strategies to Combat a Low Appraisal | Los Altos Real ...

By David Blockhus on 2.9.12

Low property appraisals can occur in any real estate market.? In a rising market, multiple offers can create a final contract price higher than current comparable properties.? In a declining market, appraisal values may not come in at value.? Both buyer and seller want the home to appraise for the negotiated price, but sometimes it doesn?t.? What can a buyer or seller do if a property doesn?t appraise at or above the negotiated purchase price?

1.? The buyer can bring in additional cash to make up the difference between appraised value and contract value.

2.? The buyer and seller can re-negotiate the contract price down to the appraised value price.

3.? The seller can hold true to the purchase contract price and possibly carry a 2nd note for the difference between the appraised value and purchase contract value.

4.? The lender could order a second appraisal that might come in at value and/or request to appeal the original appraisal.? The appeal could be based on the appraiser using wrong or outdated comparable properties,? the appraiser?s lack of knowledge of the community (comparing two homes from different school systems etc.) or the appraiser using incorrect information about the home (i.e. size, age amenities etc).

5.? The buyer can kill the loan with the original lender and start fresh with a new loan and subsequently new appraisal.? The seller must agree, this will take time and it might not yield different results.? If there are questions about a property?s ability to appraise, one might double app with two lenders so you have a back-up in place should the first lender (do to low appraisal) not be able to perform.

6.? Both parties can agree to cancel the transaction.

Since 1994, I have seen almost all of these strategies in reaction to a low appraisal value used.? Renegotiating the purchase price and/or having the buyer bring in more cash seem to be most frequently used strategy for keeping the deal together. However, it really depends on the buyer, seller and real estate agents having a meeting of the mind to make it work.


Should you have questions about buying or selling a home, please call or text me directly at 650 465-0755.

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Thursday, February 9, 2012

Water Damage 101 - Claude Reynolds Insurance Agency Inc.

Rain, Rain, go away. Come again another day. Raindrops can cause a migraine when you discover your home filling with water. Generally, your homeowners insurance won?t cover flood damage, but it would cover water damage. While the world of water damage can be a tricky one, the time to understand your policy options is not when your pipes burst or a leaky dishwasher creates a lake in your kitchen.
Water Damage - What is CoveredThere are basically two insurance policies that deal with water damage-- a flood insurance policy and a homeowner?s insurance policy. Losses not covered by one of these policies may be covered by the other. Homeowners are required to carry homeowners insurance, but are not required to purchase an additional policy specifically for flood damage. Many homeowners do not purchase flood insurance unless they live in a flood-prone geographic area, but understanding what your coverage limits are may save you headaches when the raindrops start falling.
Homeowners Insurance: Your homeowner's insurance policy does not provide coverage for floods, but it does provide coverage for other types of water damage to your home such as:

1. A hailstorm smashes your window, resulting in a rainstorm in the bedroom.
2. A heavy rain soaks through the roof and drips into your ceiling.
3. A broken water pipe spews water into your home. Note that a slow leaking pipe or neglected frozen pipes might not be
covered if the homeowner has been irresponsible.?
4. Water leaks from your backyard pool into your basement
5. Dishwasher or washing machine overflows, causing a flood.

The golden rule when wondering if homeowners covers a specific water hazard is to determine if the water first hit the ground, before damaging your home. If it hit the ground first, you?re most likely not covered. ?

Flood Insurance: The dictionary defines "flood" as a rising and overflowing of a body of water onto normally dry land. Therefore, flood damage is caused by water that has been on the ground at some point before damaging your home. Here are a few examples of situations that would be covered by flood insurance, but not covered by your typical homeowner policy. ?

1. A backed up sewer that floods your basement
2. Floods caused by a nearby lake or river.
3. A heavy rain causes water to seep into your floor.
4. A flash flood causes the hill behind your house cause a mud slide in your basement.

Flood damage to your home can be insured only with a flood insurance policy -- no other insurance will cover flood damage. It is important to understand that even these types of situations, your possessions (furniture, clothes, etc.) would be covered by homeowners, even if the flood damage itself is not.


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