Friday, 30 September 2011

Mother's investment in the eggs makes zebra finch males attractive

ScienceDaily (Sep. 29, 2011) ? It is not the superior genes of the father, but the mother's resource investment in the eggs that makes Zebra Finch males particularly attractive. A Swiss-Australian research team lead by evolutionary ecologists at the University of Zurich has challenged the theory that females mate with superior males to obtain good genes for their offspring.

In Zebra Finches, as in most other bird species, both parents contribute to offspring rearing. The social partner of a female, however, is not always the biological father of the young. If the opportunity arises, females will choose to pair with partners other than their primary mate -- with the interesting result that the offspring of different fathers have different qualities. And, as evolutionary ecologists from the University of Zurich and biologists from Macquarie University in Sydney have discovered, offspring sired by an extra-pair partner develop larger color ornaments and are more attractive to females than their social half-brothers.

Extra-pair males are not more attractive

Up to now, the quality differences between social and extra-pair offspring have generally been assumed to reflect the genetic superiority of the extra-pair male. Indeed, females are believed to engage in extra-pair copulation with genetically superior males to obtain better genes for their offspring. Now, Barbara Tschirren, professor for evolutionary ecology at the University of Zurich, and her team have challenged the idea of the exceptional male. In a study published in "Proceedings of the Royal Society" the researchers demonstrate that -- despite the observed quality differences -- the fathers of attractive sons are neither better looking nor genetically superior.

The first eggs receive preferential treatment

According to the study, attractive sons are not the result of exceptional genes; rather, their enhanced ornamentation is due to the mother's investment in the eggs. Tschirren was able to demonstrate that maternal resource investment decreases steadily over the course of the laying sequence of a Zebra Finch, with eggs laid early in a clutch being larger and containing more nutrients and hormones. Favoring early eggs and the first hatchlings is a worthwhile investment for the mother as these offspring have a demonstrably higher chance of survival.

"It appears that there is strong competition among males to fertilize these valuable eggs early in a female's laying sequence," explains lead author Barbara Tschirren. "They try to exploit the female's egg investment bias to ensure a head start for their own offspring." She hypothesizes that sperm competition might decide the battle, with males with faster sperm being able to fertilize the most valuable eggs.

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The above story is reprinted (with editorial adaptations by ScienceDaily staff) from materials provided by University of Zurich.

Journal Reference:

  1. B. Tschirren, E. Postma, A. N. Rutstein, S. C. Griffith. When mothers make sons sexy: maternal effects contribute to the increased sexual attractiveness of extra-pair offspring. Proceedings of the Royal Society B: Biological Sciences, 2011; DOI: 10.1098/rspb.2011.1543

Note: If no author is given, the source is cited instead.

Disclaimer: Views expressed in this article do not necessarily reflect those of ScienceDaily or its staff.

Source: http://www.sciencedaily.com/releases/2011/09/110929074033.htm

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Celebrity Birthdays Today: Jenna Elfman, Fran Drescher, Kieran Culkin And More!

Happy Friday, readers! TGIF! Can you believe that tomorrow is October 1st? Where has this month gone? Before you know it the holidays will be here. Yikes. In today’s edition of Celebrity Birthdays, a Brady aka Johnny Bravo turns 57, a ‘Police Woman’ turns 80, and a ‘Mask’ man is 50 years old today. Can you guess who? Happy Birthday, Jenna Elfman! The Friends With Benefits co-star is the big 4-0 today. Did you happen to catch her on the season premiere of Two and A Half Men? It was great to see her as Dharma along with her TV husband Greg. I miss that show, don’t you? Happy Birthday, Fran Drescher! The former Nanny star is 54 years old today. Her new show on TV Land, Happily Divorced, which she stars and co-wrote, has been renewed for a second season. Watch for new episodes in the Spring of 2012. Happy Birthday, Kieran Culkin. The Scott Pilgrim vs. the World actor is 29 years old today. Earlier this month Culkin was linked to actress Scarlett Johansson as the two were spotted in Paris. A few weeks ago, they were seen together again in Manhattan. Rumors ran rampant that the two [...]

Source: http://feedproxy.google.com/~r/RightCelebrity/~3/NW6wIjAeV5w/

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Fresh Android Apps for Sep. 28: Smozzy update, Football League Clubs, 9mm HD (Appolicious)

Are cool things happening in the Android Market? You betcha! For a radical cost saving approach to mobile try the updated?Smozzy Beta, to stay up on British soccer, download Football League Clubs? App, and for policing gone wild, play 9mm HD.

Raise your hand if you like saving money. This potentially revolutionary app lets you browse the web over your mobile device without a data plan.

The first release only supported T-Mobile SIM cards but this update adds ?experimental? support for AT&T and Sprint subscribers and lists ?untested? support for Verizon, Virgin, Cricket, Straight Talk, US Cellular, and Viaero SIMs as well.

Do carriers love this idea? I?m guessing not, so before they catch on to this technological loophole, check it out for yourself ? just make sure your plan features unlimited SMS and MMS messaging.

No, this isn?t the NFL, you American heathen, this is the football the rest of the world knows, loves, and likes to fistfight and stampede over.

The focus here is on British lower league clubs, which I?m told garner some of the world?s rowdiest fans. For free, you get club news, player profiles, a Live Match Score Center, and the ability to follow more than one team. A small monthly fee, adds videos, loses the ads, and promises more features to roll out over the course of the season.

Read the app?s description for the long list of supported teams.

Feel like taking the law into your own hands? Then, become John ?Loose? Kannon, a hard-nosed detective who likes to shoot first and ask questions never. Kannon and his team are stuck in a jam and now every gangster in the city plans to retire them all to shallow graves. The only way out ? Kannon must cut the head off the snake and kill the leader of the gang before it?s too late.

The only requirements for this third-person shooter are a high-end Android device and a thirst for violence. Expect blistering 3D action, a booming rap soundtrack, pervasive profanity, high-caliber weapons, and cinematic gunfights.

Source: http://us.rd.yahoo.com/dailynews/rss/tech/*http%3A//us.rd.yahoo.com/dailynews/external/appolicious_rss/rss_appolicious_tc/http___www_androidapps_com_articles9614_fresh_android_apps_for_sep_28_smozzy_update_football_league_clubs_9mm_hd/43080233/SIG=13okvha3f/*http%3A//www.androidapps.com/tech/articles/9614-fresh-android-apps-for-sep-28-smozzy-update-football-league-clubs-9mm-hd

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My Story One Womans Journey With Ms 75 $28 50, Health & Fitness

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Health & Fitness; Odd News; CitySquare ... the Worcester native is a freshman at the University of Mississippi and ... Brittany Altomare chasing U.S. Women's Amateur ...

Source: http://best.onyourweb.info/health/52776-my-story-one-womans-journey-with-ms-75-28-50-health-fitness.html

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Thursday, 29 September 2011

You Probably Won't Want Amazon's Kindle Fire for Christmas (The Atlantic Wire)

Tomorrow Amazon will unveil its answer to the iPad,?reports TechCrunch's MG Seigler. "On Wednesday morning in New York City, Amazon will unveil the Kindle Fire. Yes, this is the name Amazon has settled on, to help differentiate the product from the e-ink Kindles, which will still be very much alive and for sale." With Amazon's online retail foothold, its tablet could present a threat to Apple's dominance--at least we think so.?Beyond its lame name, how is the Kindle Fire looking next to its cool older brother?

Although two fingers are great for basic tasks, such as shrinking windows and tapping buttons, for anything much beyond flinging colorful birds at obnoxious linkers, more fingers are required. A decent tablet painting program, or Apple?s own iPad version of GarageBand, both require more than two fingers.
  • Cheaper. Amazon hasn't release price specifics, but Siegler pegs it around $300--about half the price of Apple's tablet.?
With Amazon's Kindle and Prime power combined, the Kindle Fire--name withstanding--might hold up to Apple's iPad. While not all of the specs are ideal, the tablets will start shipping the second week of November. That's just in time for a holiday showdown, which might be the reason the Kindle Fire doesn't look so hot, believes Block. "I'm told that this first tablet of theirs is "supposed to be pretty poor" and is a "stopgap" in order to get a tablet out the door for the 2011 holiday season -- which doesn't exactly leave the best taste in my mouth."

Source: http://us.rd.yahoo.com/dailynews/rss/personaltech/*http%3A//news.yahoo.com/s/atlantic/20110927/tc_atlantic/youprobablywontwantamazonskindlefirechristmas42988

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Correction: Obama-Patents-Q&A story (AP)

WASHINGTON ? In a Sept. 16 story about a new federal patent law, The Associated Press erroneously reported President Barack Obama's statement about inventor Thomas Edison's patent application. Obama said Edison's application for the phonograph was approved in seven weeks, not photograph.

Source: http://us.rd.yahoo.com/dailynews/rss/obama/*http%3A//news.yahoo.com/s/ap/20110929/ap_on_go_pr_wh/us_obama_patents_q_a

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Everyday Wealth Building | Best Finances

Raleigh, NC ? Greg Donovan right now declared that he has handed the MSPAlliance?s Managed Products and services Professional Certification (CMSP). CMSP is the very first plan of its variety, specially made to make certain that folks employed in the managed services market are meeting and exceeding the maximum amounts of ethics, training, work encounter, ?

Source: http://bestfinancesolutions.com/wealth-building/everyday-wealth-building/

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"Dancing with the Stars" hit by white powder scare (Reuters)

LOS ANGELES (Reuters) ? An envelope containing white powder and addressed to the "Dancing With the Stars" TV show caused a security scare on Wednesday but was found to be harmless.

Police were called to CBS Television City in Los Angeles -- where the ABC ballroom contest is filmed -- after powder was found in a mailroom envelope.

Los Angeles police spokeswoman Diana Figueroa said the substance was found to be "not dangerous."

"It was addressed to 'Dancing With the Stars'," she added. It was not known if a specific name was included.

CBS and ABC could not immediately be reached for comment.

It's the second time in a year that white powder has been sent to the TV contest, which pairs celebrities with professional dancers and allows the public to vote for their favorites.

The current cast includes feisty TV legal commentator Nancy Grace, gay stylist Carson Kressley, Rob Kardashian, Cher's transgender son Chaz Bono, and David Arquette, the estranged husband of Courteney Cox.

In November last year, white powder was found at the CBS complex in an office linked to the dance show when Bristol Palin was a contestant, but a possible connection to Palin was never officially confirmed.

(Reporting by Jill Serjeant; Editing by Bob Tourtellotte)

Source: http://us.rd.yahoo.com/dailynews/rss/tv/*http%3A//news.yahoo.com/s/nm/20110929/tv_nm/us_cbs_whitepowder

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Wednesday, 28 September 2011

Tips for the Freedom of the Seas Cruise ? Are you really ready?

If you have some advice for Freedom of the Seas cruise looking for, then you are in the right place. But before you get into it, I tell you one important fact, before going on a cruise.

I want as many passengers to reach, especially the first ? time cruisers, because they have no idea what they have to walk. I'll tell you later, but for now let's take a look at some tips to help you enjoy your time in theFreedom of the Seas.

Swimming Pools ? Make sure to take a dress in more bathrooms. One thing that I really am with the Freedom of the Seas inspired the activity is in the water. She is definitely enjoying the H2O Zone with features such as water cannons, water slides and a lazy river. Do not forget to check H2O Zone, in the evening when the lights are on.

Activities ? not dry, ignore the others. There are many things to do and will be a difficult experience for allone way. Did you know that there is a boxing ring inside? Yes, there are and you can take boxing lessons for a fee. There are also rock climbing, ice skating, miniature golf and a basketball court. Sing if you like, then you will be their educational technology, which has a green screen to enjoy.

More tips ? Freedom of the Seas is one of the largest ships in the world so willing to do a lot of walking. Bring a comfortable pair of shoes and wear it as you goaround the ship. Also do not forget to bring, to wear something nice. Formal dress for dinner would be perfect tuxedo for men and cocktail dresses for women.

One last important tip is to control your spending better, because they add up quickly. If you are not careful you could end up with a huge bill after your cruise because of hidden fees.

Source: http://leisure-first-time-cruising.chailit.com/tips-for-the-freedom-of-the-seas-cruise-are-you-really-ready-3.html

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Flooring Herfordshire - Granicrete | Decorative Concrete | Flooring ...

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The Basics of Small Business Branding | Small Business Resources ...

The Basics of Small Business Branding

You own a small business and you?re doing well but recently you have noticed that your competitors have a slight edge on you. Wondering why? Chances are, it has nothing to do with your product or price ? it?s the simple fact that they are more memorable than you. There are two ways that you can increase your memorability. The first is through advertising and marketing and the second is through small business branding and brand strategy. To learn more, continue reading this article. Today, we will discuss the branding basics and give you some need-to-know branding tips.

Before we discuss branding tips, let?s begin by discussing a simple question: what is branding?? Think about small business branding as a definition of what the clients think your business is about. With a good brand strategy, you can easily differentiate your services or products from those of your competitors, giving you the leading edge. To clarify, let?s use a brief example. You wake up late one morning and if you don?t leave soon you will be late for work. You don?t have time to make your own breakfast but you do have time to stop for a quick drive through bite. As you are thinking about where to go, you suddenly hear ?Badabababa I?m lovin it? play in your mind. Where do you head? Towards the golden arches!

Why did you choose McDonalds? You may think that it is because their food tastes great (and that can definitely be part of it), but doesn?t most fast food taste good? Most people do not realize that many of the decisions they make are based on branding. McDonalds has developed a great tag line that sticks in our heads. On top of that, anyone over the age of 3 knows what the golden arches represent. Small business branding, or the combination of a good tag line and a memorable logo, play a significant role in the success that McDonalds has seen in the past decade. By creating a strong brand strategy and developing your own tagline and logo, you too can see your business expand by making it memorable to your clients.

Let?s cover some cool branding tips to help you build a magnetic brand. First of all, there are many things that you can do to increase the successfulness of your logo and tagline. However, of all the branding tips available, there is one that stands out as the most important; small business branding alone is not enough. Once you have developed a brand strategy, logo, and tagline, you must follow through on your promises. If your tagline is ?I?m lovin it?, you better keep customers loving it. You can do this through brand management. Brand management involves a great deal of things, each of which is designed to keep your customers happy and keep them remembering your brand in a positive light. Brand management can include things such as manufacturing a high quality product, keeping your prices reasonable, and providing high quality customer service.

If you own a business, small business branding will become a necessary part of attracting customers. By developing a brand for your customers, you will make your business memorable, keeping them interested and returning for more. If there is one piece of information that you should take away from branding tips it is this one; branding alone is not enough. You must also engage in brand management tactics to ensure that your brand is seen in a positive light rather than a negative one. Start developing a brand strategy for your business today and give your customers something to remember you by!

Silvia Pencak is The Magnetic Branding Expert and Mentor. For over 7 years Silvia kept building successful venues in Europe and Canada. She became known as the expert in building a powerful brand and is often asked for advice in management, marketing and organizational areas of building a powerful small business brand. She understands that the power of branding, authenticity, relationship building and marketing efforts can make or break a successful business. Silvia shares her expertise online at http://MagneticLook.com to help other women entrepreneurs build successful brand and to support those who don?t settle for a mediocre business and average lifestyle.

Source: http://smallbusinessresources.mmfinternetmarketingreviews.com/2011/09/26/the-basics-of-small-business-branding/

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Sails of pleasure boats in 2009

New designs make high-tech sailing and merge with nature in an almost cellular. And why not, it is "a" is in any case, the sail is not what is, after all? Therefore, we are one with nature, sailing with his strength and beauty to push us. Sailing, even in ancient times has always been an art and a science, so perhaps that is what intrigues us as we gather strength by wind and waves.

Now, with all this is known, like every true sailor can attest, wemust constantly work to improve the features and design, making it stronger, lighter materials that glide effortlessly through the water, the wind does not binding, but with all promote trade, faster and more under control than we would have never really in control of the wind.

A new concept of a think tank Watercraft imagine it holds now possible using new materials to make a boat with the double-walled construction, made in the outer wallwas re-forms to specific tactile pressure sensors in real time by the flow of water around the hull on, as the boat accelerates hull design to the optimal form for the exact speed.

And if the boat is slowly re-designed the hull itself the most efficient form, the new speed. As the boat passes through swells and currents, one side of the boat perhaps a different shape from the other side, if necessary. This concept is expected, so we recommendit.

Source: http://travel-sailing.chailit.com/sails-of-pleasure-boats-in-2009.html

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Tuesday, 27 September 2011

Making Homes Affordable Program: Increase in 2011 | Explicit Articles

With the economy in bad shape, millions of homeowners are literally living paycheck to paycheck, and barely, if able at all, can pay their mortgage. Homeowners who are facing foreclosure should seriously consider getting a home loan modification. No matter what type of home loan situation you are in, a modification can help you save money, or your home.

A recent study by VA Home Loan Centers has found that VA loans are on the rise. In 2009, VA Home Loans represented 9.5% of every home sale; in 2010 the VA home loan financing increased to 10.77% of all home sales. Furthermore, the study indicates that by 2011 people using the VA loan option could rise to 11.5% of all homes sold. Market conditions, limited consumer resources, VA loan advantages and adjustments to bank lending regulations appear to be the reasons for this major increase. Banks took a hard look at lending procedures in 2009 and noticed that there was a crisis. People were starting to default on loans because of hard economic times. The banks suffered losses as a result of the defaults and an unraveling began which has only recently slowed.

Live in the home as your principal residence. Loan amount $729,750 or less. Loan originated before 1-1-09
Facing a financial hardship situation
Borrowers who can meet those basic guidelines may be offered a government backed loan modification that will provide a very low payment so that foreclosure can be averted. Unemployed borrowers may see their mortgage payment reduced to an affordable amount for a pre-determined time period while they attempt to find a new job or get back on track financially.

On the flip side there are some communities where the limits have fallen. Still in these communities the process to apply for the loan remains the same, and is still an option for most would be home owners. Another reason for the increase is that people are realizing that VA home loans can be used to purchase short sale homes. Short sale homes are homes that are being sold for less than the mortgage. Banks are allowing this from time to time when they stand to recoup more money versus a foreclosure.

Regardless as to whether or not your using a lawyers help, or going at it on your own, you will need to submit, documents which support hardship, and income claims. This can include things such as pay stubs, bank statements, tax returns, and other relevant information that is in your statements. After you have done this, and submitted your home loan modification application, and possibly a letter of financial hardship,wait for the mortgage lender to review your application and get back to you. Do not constantly bother them with status update phones calls or emails. Call once a week for updates.

Learn more about Obama Making Home Affordable Mortgage Program.

Source: http://explicitarticles.com/finance/loans/making-homes-affordable-program-increase-in-2011

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5 Comments. - Education Reference

Question by Andy: please rate my essay if you have time thank you?
One by one

One by one, kid by kid, religion is creeping up on us. The effects of religions like Christianity, Catholicism and the other 36,000+ Christian denominations are bringing us down as a society. Whether it?s indoctrination , crusades, inquisition or just the outdated moral values religions have introduce to the world is devastating.

Religions such as the catholic religions, puts a halt to the studies of science and health care. They hold back stem cell research which could be vital in the fight against diseases like cancer, parkinsons, alzheimers, spinal cord injuries and muscle damage. Catholicism also prevents abortion and the use of contraceptives which has resulted in millions becoming infected with HIV/AIDS as well as millions of unwanted pregnancies which creates pressure on impoverished societies.

Indoctrination is a tactic used to brainwash children at younger ages. Rational Thinking is skewed and damaged by superstitious notions which cannot be backed up by evidence. For centuries, even before people learned to read and write, religion has continuously rejected the findings of objective Science. In 1632, when Galileo published his book, Dialogues on the Two Chief World Systems, he was summoned by Pope Urban VIII a year later to appear before the Inquisition in Rome. Just for asserting the his ideas that the Earth was not the center of the universe or that the earth is not flat, Galileo was then sentenced to life imprisonment in a Roman dungeon for most of his life. This stops education and could put us back in the Dark Ages.

There is a connection that parents who are theists have children with lower IQ?s. These children will be less intrested in science. Religious people, who will live in that adulthood, will become less intelligent compared the to people around them. Research has already proven this. Paul Bell in Mensa Magazine, 2002, reviewed all studies taken of religion and IQ. He concluded:?Of 43 studies carried out since 1927 on the relationship between religious belief and one?s intelligence and/or educational level, all but four found an inverse connection. That is, the higher one?s intelligence or education level, the less one is likely to be religious or hold ?beliefs? of any kind.?

Religions since the beginning of time has been to control the masses, but it?s the 21st Century now, and we shouldn?t let religion blind us anymore. The time to put a end to religion has come. These are only the few examples religion have provided for society that has been left in ruins. Being an indoctrinated theist since I was born has put a toll on my life, but now that I further the study on my religion and world religion, I can proudly call myself an atheist and fight what I believe in, and I hope you can too.

any suggestions how i can make it better?

Best answer:

Answer by crazy drummer
if this is for school, then its too biased. but, if its just your thoughts, i agree. but hey, even if it is for school, surprise everyone with an essay like that and see what they say?haha

Add your own answer in the comments!

Source: http://www.qiyic.com/archives/3951

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Better Articles Directory ? Wonderful baby gift concepts for new ...

The adding up of a brand-new baby is a welcome excuse for the adults to go out along with ooo along with aww over soft plush pink rabbits, tiny suits emblazoned with your favorite team?s logo, wagons full of fun along with colorful toys, along with Moses baskets stuffed with tiny socks along with soft blankets. Baby gift baskets allow you to sample fashionable brand-new Mom gifts along with the newest in baby shower concepts.

Wagons are Loads of Fun

Baby showers often now include the male half of the population who are just as involved in raising baby as Mom. Super baby shower ideas include the practical and the fanciful. For innovative baby gift baskets, themed wagons are a great way for everyone to join in and make sure that your new Mom gifts are coordinated. With a bright red wagon as the container, everyone can contribute to a baby athlete theme, or even a ballerina princess. For a special little twist, rather than a wagon, stuff a bright red rocket with plush toys, childrens music and activity toys for the maximum development of baby.

A developping trend in brand-new Mom gifts is to present educational tools that are fun along with colorful. A fabulous baby shower concept is to buy off an educational theme that presents Mom with more than just the needed diapers, socks, bibs, along with blankets. Wagons full of developmental toys that duplicate as teethers, audio along with visual vocabulary CDs for the nursery, traveling cards to keep baby entertained on the street along with yet from the same occasion teaching him exactly how to read along with produce are deeply appreciated brand-new Mom gifts.

Spa Baskets for Baby

Yes, spas are for all ages and genders. Promoting good health and beauty is not restricted just to Moms, though they certainly appreciate the opportunity to regenerate and regain muscle tone. Try this for one of your baby shower ideas; trendy spa gifts for mommy and baby. They deserve it. You can either build one your self, each guest bringing a gift for the basket, or each person can bring their own basket. Baskets are fantastic for tidying baby?s toys, storing linens, or even gardening tools.

There are a few spa baby gift baskets already designed that are just precious. The personalized baby girl spa gift basket comes with an incredibly soft teddy bear wearing a fashionable hair ribbon, personalized baby dress and bib for baby, accompanying loofah slippers and gently vanilla scented spa products making soothing new Mother gifts. This basket also comes in a delectable deluxe version with a hand embroidered baby dress of chocolate and peach and fragrant Tuscan spa products for trendy baby shower ideas.

Lavender is always soothing and refreshing. Of the fresh new Mother gifts available the Lavender spa baby gift baskets are among the finest. The sweet pungency of lavender rejuvenates and refreshes new Moms and babies. With a purple and white dress for baby, matching hat, personalized bib, and luxurious lavender spa products, Moms will appreciate these new Mother gifts forever.

Duncan Bakshmidt is a writer for Bebelicious Australia and Bebelicious New Zealand

Source: http://www.betterarticlesdirectory.com/home-family/babies/wonderful-baby-gift-concepts-for-new-families/

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Monday, 26 September 2011

Kid Activities with Grandparents (Or Slowing it Down a Notch for the ...

There?s no doubt today?s grandparents are more active, more vigorous, and more vivacious than ever before. Case in point: How many more seniors do you see working out at the gym today than you did 20 years ago? ??Nuf said.

Yet still, truth be told, grandparents (me included) just literally aren?t as young as we used to be. That means we?re moving just a wee bit slower and possess just a wee bit less energy than before. Not by much, mind you, but still a little less nonetheless. (Note: I just had my two young grandchildren spend two weeks with me, and it took me an additional two weeks to recuperate! This is a common occurrence among grandparents, so I?ve been told.)

Bottom line, what I?m trying to tell you is that when you, as a parent, are trying to think of things for your kids to do with their grandparents, tone it down just a smidgen. ?(We?ll thank you for it later!) ?After all, activities for grandparents should be slightly different than activities for younger persons (like aunts, uncles, and babysitters), especially if they have any physical limitations.

Need some ideas? Here are a few:

  • At-Home, Sit-Down Activities ? Anything that can be done sitting down works well, especially if the grandparent (or great grandparent) has a physical disability. Examples include working on puzzles, coloring, doing arts and crafts, reading books, watching movies, or having a tea party.
  • Short Trips ? Walking or driving to nearby places allows for a change of scenery plus expanded options. Examples include walking around the block (these Step2 wagons are a huge help), going to the park, or treating for ice cream.
  • Running Errands ? One errand at a time is the secret here. If you need help grocery shopping, great. A grandparent loves to assist whenever possible! But don?t piggy-back it with requests to also stop at the bank, drycleaners, drugstore, and library, too.
  • Special Events ? It?s nice for a grandparent to spend some special time bringing a grandchild to a special event, but? make sure it?s not too overwhelming (in terms of parking or seating) or way too late at night (our eyes aren?t what they used to be, neither is our stamina). Examples include attending a play, concert, county fair, or professional sporting event; visiting a museum, amusement park, or tourist attraction; going to the zoo, aquarium, or circus; or eating out at a restaurant.
  • Extraordinary Vacation ? Some grandparents are only more than happy, willing, and able to take one or more grandchildren on a special trip. I have several friends who have done this. It?s a great way to spend some quality one-on-one time, bond more closely, and create some really wonderful memories. Examples include visiting large cities such as New York, Chicago, or San Francisco; traveling to destination attractions such as Disneyland, the Grand Canyon, or the Smithsonian Institution; or embarking on extraordinary adventures such as a family cruise, all-inclusive resort, or African safari.

Just remember, grandparent activities don?t have to be boring. They just have to be sensible.

Suggested books on grandparent activities:

Song and Dance Man by Karen Ackerman
Wilfrid Gordon McDonald Partridge
by Mem Fox
Grandmas are for Giving Tickles
by Harriet Ziefert
Grandpas are for Finding Worms
by Harriet Ziefert
Grandma & Me Activity Book
by Marianne Richmond

Source: http://www.creativeplayplus.com/2011/09/26/kid-activities-with-grandparents-or-slowing-it-down-a-notch-for-the-older-generation/

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Points you should know about SEO Internet Marketing companies ...

author of the article Rich Web Marketing

Walking in the Internet without picking Globe Search Engine Optimization is just hard. You must ensure you quality SEO Marketing through whom the true support related to SEO to get. This method is associated with local Internet marketing, recognized as the best internet marketing technique.

You can use a few key things you need to get your mind in the employment of a professional SEO company internet marketing available. Therefore, you may if you choose a natural search engine marketing technique effectively operate your business on the internet you can handle on the real reasons given below carefully. one of the first deals with Internet Marketing, Professional, you can imagine. It is imperative that you wish to search for qualified SEO Internet marketing service provider. The main reason for this is really the person who experiences the area in which they operate. For more information about online marketing is a much better job can be done

If you are thinking about selecting the SEO Internet marketing for search engine optimization to make, then you consider SEO field. You have a common SEO Internet marketing companies can also provide natural search engine marketing in India. However, experts may actually end up well they work, and ultimately much better than the normal range. So you must be a special factor in your mind.

Then you need the advice of the fees charged by all of its suppliers to find. It is best that you just can not control costs until the receipt of too many SEO internet marketing services. Via ask you to understand the costs, if you contact a professional in your own financial compensation or even to exist. You will find several choices regarding Search Engine Optimization Online Marketing and is therefore probably much more that just a short checklist to meet some of them know the estimated cost to make. By doing this you will better understand the provider of its search engine marketing is actually the best for you personally and your organization. So in this particular section is very important to go on. There are pairs of things you need to look again looking for SEO online marketing company. About the author

Rich Web Marketing offers a new way of Engine Marketing, SEO Web Marketing, Internet Marketing SEO Search for a reasonable price to lend a strong connection to the building and creative marketing solutions.

Source: http://www.ifcatsdsu.com/points-you-should-know-about-seo-internet-marketing-companies.html

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Lessons In Raja Yoga, Health & Fitness

Sorry, Readability was unable to parse this page for content.

Source: http://internetmarketing.matrix-e.com/categories/157-health-fitness/27922-lessons-in-raja-yoga-health-fitness.html

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Sunday, 25 September 2011

Principal: Workers Feeling Better | Life Insurance Health

U.S. workers say they are more optimistic about their long-term financial future than they were a year ago, but retirees say they are more worried.

Principal Financial Group Inc., Des Moines, Iowa (NYSE:PFG) has published data supporting that conclusion in a summary of results from a survey of 1,150 employees and 549 retirees that was conducted in July and August.

Principal commissioned a similar survey in the summer of 2010.

The percentage of working participants who said they are very concerned about their long-term financial future fell to 68%, from 75% a year earlier, and the percentage who said they are feeling extremely happy about their current financial well being increased to 27%, from 19%.

But the percentage of retirees who said they are very concerned increased to 67%, from 61%, and the percentage who said they are very happy about their current financial well-being fell to 35%, from 36%.

The percentage of workers who said they have started planning for retirement security increased to 29%, from 27% a year earlier.

- Warren S. Hersch

This entry was posted in Life Insurance News. Bookmark the permalink.

Source: http://lifeinsurancehealth.net/principal-workers-feeling-better/

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Disgraced pastor Ted Haggard to appear in "Wife Swap" (Reuters)

LOS ANGELES (Reuters) ? Disgraced pastor Ted Haggard and actor Gary Busey will trade partners in an upcoming episode of "Celebrity Wife Swap," a spokeswoman for the show said on Thursday.

Haggard's participation in the episode comes five years after a stunning fall from grace for the former president of the National Association of Evangelicals.

He was exiled from the Colorado-based New Life mega-church he founded after admitting "sexual immorality" and buying methamphetamines from a male masseur.

The air date for the episode on ABC starring Haggard and Busey has not been determined, but the two men will swap partners, said Brooke Fisher, a spokeswoman for the show.

Haggard's wife Gayle has written a book about her husband's gay sex scandal titled "Why I Stayed." Busey's longtime girlfriend is actress Steffanie Sampson, and while the two are not married they have a son together who was born last year.

Busey is best known for starring in 1978 film "The Buddy Holly Story" and he also recently had a recurring role on the HBO television show "Entourage."

(Reporting by Alex Dobuzinskis: Editing by Bob Tourtellotte)

Source: http://us.rd.yahoo.com/dailynews/rss/celebrity/*http%3A//news.yahoo.com/s/nm/20110922/people_nm/us_tedhaggard

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Your Guide To Baby Shower Planning

HTML Ready Article. Click on the "Copy" button to copy into your clipboard.

By: Hugh Jackson

With baby showers, as with all necessary events, usually the small print can get in the way in which of the hosts enjoyment of the occasion! Do not let your self get overwhelmed. Take it one step at a time and luxuriate in yourself. A baby is on the way in which and the baby shower is your welcome home gift. Answer these questions earlier than you start and your baby shower is sure to be a success.

Who Does What?

Assign tasks. Delegating duties will let you direct and deal with mishaps reasonably than handle all the things as well as mishaps. After all, enlisting family and friends requires their agreement so ask them properly prematurely of the baby shower.

How A lot Will You Spend?

Put aside a sure sum of money for every part of the baby shower and stick with it. Make sure that your record is thorough and that your expected expenditures are realistic. Don't forget the paper plates and cups and napkins! Assigning others to bring things you need will enable you to cut down on baby shower expenses.

Who's Coming?

Ask the brand new parents who they need at their baby shower and get the addresses not less than a month in advance. You have to addresses, phone numbers, and email addresses. Get the invitations out no less than three weeks earlier than the day of the baby shower.

What's Your Theme?

Thirties Flapper baby shower? Perhaps a picnic in the park? Whatever you select, make sure that your guests know what to expect.

What Food Will You Serve?

The meals for your baby shower should reflect the theme, however ensure you select one thing that the Mom to be likes. Pregnant girls have aversions and cravings and catering to these is a necessary aspect of the baby shower.

The place Should You Hold the Baby Shower?

Wherever you choose, it must be straightforward to search out, comfortable for the variety of friends you've got invited and cheap to you.

When Should You Hold the Baby Shower?

It is the brand new mother's choice! She may need to maintain it in the middle of her being pregnant or wait till after the baby is born. While you choose a date and time, stick with it!

What Video games Will You Play?

What prizes will you give away? What is going to you want in order that all of your guests can play the games? Be sure you choose plenty of back up baby shower video games in case issues go a bit too gradual and need some livening up!

Author Resource:->??For data in regard to baby shower themes for girls, drop by Jera N Bieraitz's internet site at once.

Article From Article Point

Source: http://www.article-point.com/Art/56771/228/Your-Guide-To-Baby-Shower-Planning.html

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Saturday, 24 September 2011

Scientists Say Atlas Is Wrong on Greenland?s Glaciers

[unable to retrieve full-text content]Climate scientists say a new edition of an influential atlas vastly overrepresents Greenland?s rate of glacial melt.

Source: http://feeds.nytimes.com/click.phdo?i=39bee684107c77cdf7e23d13b8284e56

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Memphis Heat: The True Story of Memphis Wrasslin' | The Retroist

Everybody is getting packages in the mail. Well, last Saturday I got one as well. The return envelope on this square, thin package said ?Off The Top Rope Productions?. I opened it to find a DVD called Memphis Heat: The True Story of Memphis Wrasslin?.

Now I became a big WWF fan in middle school. I discovered the WWF on USA one Sunday morning and was hooked. That was some time after the Memphis era. I had not known about wrestling during the Memphis era. I hadn?t even been born during the Memphis era. But one thing I can tell you about the Memphis era after watching this movie is that it was wild. Unbelievably wild.

The bulk of the story of this wild era is told through interviews with that era?s major personalities. The rest is told with photos and footage from the era. All are entertaining and enlightening. They cover the old carnival days (which I knew nothing about), the founding of the Memphis territory, and the rise of various personalities. The also cover some of the craziest anecdotes I?ve ever heard. Andy Kaufman?s wrestling escapades were in there. I expected that. But so were a private brawl between Jerry ?The King? Lawler and Terry Funk that was kind of scary, the Gorgeous George strut, the Lawler and ?Handsome? Jimmy Valiant songs written by Jimmy ?The Mouth of the South? Hart, and a little ?back in my day? that I enjoyed in spite of myself.

One of my favorite anecdotes from this film? The fact that wrestling was covered on the Memphis news. I could not believe this. After finding the WWF on USA, I had always wondered why it wasn?t covered in the sports segment of the evening news. On the night of the first Wrestlemania, I tuned into the evening news to see who had won the main bout. I later learned that wrestling wasn?t on the news because it was ?sports entertainment?, not true sports. But it was covered in the sports segment of the Memphis news. I said ?unbelievable?, right? Let me say it again. Unbelievable.

I wouldn?t say I?m a fan of Memphis wrestling. I got a little exposure to it on the WWF but it was too ?old? for me. And I can?t say that this film has made me a fan. But it has made me respect Memphis wrestling. They did something special in that time and place, or at least they had something special. And the story of that something special was quite enjoyable.

Doug is a child of the 80s who was raised in Ohio and is now living the life of oblivion in the bay area of California. This entry was posted in Miscellaneous and tagged Documentary, Film, Memphis, Movie, Wrestling. Bookmark the permalink.

Source: http://www.retroist.com/2011/09/21/memphis-heat-the-true-story-of-memphis-wrasslin/

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Armed Services chairman: Cuts could mean draft (AP)

WASHINGTON ? The chairman of the House Armed Services Committee is suggesting that further reductions to projected defense spending could force the U.S. to reinstate the military draft.

Rep. Howard "Buck" McKeon warned about cuts beyond the $350 billion that President Barack Obama and Congress agreed to in the debt accord this past summer. A special bipartisan committee is looking at another $1.5 trillion cut in all government spending, with defense as part of the mix.

McKeon said in an interview with Fox News on Monday that the cuts could result in 200,000 fewer service members and asked "do we want to reinstitute the draft?"

The military draft ended in 1973 as the U.S. switched to an all-volunteer force after the Vietnam War.

Source: http://us.rd.yahoo.com/dailynews/rss/uscongress/*http%3A//news.yahoo.com/s/ap/20110921/ap_on_go_co/us_defense_cuts_military_draft

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Friday, 23 September 2011

National motorcycle thefts down 24 percent since 2007 ...

(September 21, 2011) DES PLAINES, Ill. ?The National Insurance Crime Bureau today reported that in 2010, motorcycle thefts were down 24 percent from their 2007 total. There were 65,678 motorcycles reported stolen in 2007 compared with 49,791 in 2010 ? a decline of 24 percent.?

All data is from theft reports contained in the National Crime Information Center.?

The top five makes stolen last year were:? (1) Honda, 12,260; (2) Yamaha, 9,853; (3) Suzuki, 7,869; (4) Kawasaki, 5,470; and (5) Harley-Davidson, 3,301.? Combined, these five brands accounted for 38,753 thefts in 2010, or 77.8 percent of the total.

For 2010, the top five states with the most motorcycle thefts were:? (1) California, 5,662; (2) Texas, 4,394; (3) Florida, 4,148; (4) North Carolina, 2,649; and (5) Indiana, 1,925.? These five states accounted for 18,778 thefts, or 37.7 percent of the total.

While overall thefts are down, reflecting the continuing decline in thefts of passenger vehicles and light trucks, so, too, are motorcycle sales. According to the Motorcycle Industry Council, motorcycle sales between 2009 (520,502 units) and 2010 (439,678 units) were down 16 percent.?

Not surprising, in 2010, the summer months of July (5,714) and August (5,380) saw the most theft activity. The fewest thefts were recorded during the months of February (2,403) and December (2,763).? Over the entire period covered by this report, 2007-2010, July recorded the most thefts (26,352) while the fewest occurred in December (13,944).

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Source: http://www.motorwayamerica.com/news/national-motorcycle-thefts-down-24-percent-2007

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The Perry-Romney debates: Romney is from Mars, Perry is from Venus.

When Rick Perry joined the Republican presidential race, I thought he was the conservative, and Mitt Romney was the moderate. But after watching them duke it out in three debates, I've changed my mind about what really separates them. Romney is from Mars. Perry is from Venus.

In their first debate, Romney had figures, but Perry had feelings. Romney believed in climate change. Perry wasn't sure. In their next debate, they were asked what they'd bring to the White House. Perry said he'd bring "the most beautiful, most thoughtful, incredible first lady that this country's ever seen." Romney said he'd bring a bust of Winston Churchill.

Romney stayed cool. Perry got hot. Twice, Perry called Social Security a "monstrous lie." He suggested President Obama was "an abject liar to the American people." He said the Fed chairman's policies could be considered "almost treasonous."

But Perry also turned warm and squishy. He volunteered praise for Obama on national security. He smiled at Romney's jokes, even when they were at Perry's expense. Romney's smiles looked fake. Perry's looked real. Perry often nodded as Romney spoke. He patted Romney on the back and grinned when Romney was asked how much credit Perry deserved for job growth in Texas. Romney, fumbling for his next canned line, looked like he was having indigestion.

Romney went after Perry like a professor trying to intimidate a student. "Do you still believe that Social Security should be ended as a federal program as you did six months ago," he asked Perry, "or do you want to retreat from that?" Perry began to answer?"I think we ought to have a conversation"?but Romney broke in: "We're having that right now, governor."

On capital punishment, Perry answered from the gut: "If you come into our state and you kill one of our children ? you will face the ultimate justice." But he spoke just as viscerally about innocent life. "I hate cancer," he said when he was asked about the HPV vaccine he had mandated. "I will always err on the side of saving lives."

Michele Bachmann, the only woman on stage, pointed out that Perry's vaccine mandate violated conservative procedural rules: He had trampled the authority of parents, and he had done so through an executive order instead of consulting the legislature. But Perry didn't care much about procedure. "You may criticize me about the way that I went about it," he said, "but at the end of the day, I am always going to err on the side of life." Last night, when Bachmann again pressed the HPV question, Perry replied:

I got lobbied by a 31-year-old young lady who had stage 4 cervical cancer. I spent a lot of time with her. She came by my office talked to me about in program. ? I erred on the side of life, and I will always err on the side of life.

That's Perry: waving away quibbles about parental rights and executive power with a hanky of compassion. In their second debate, when Bachmann noted that the vaccine order benefited Merck, which had donated to Perry's campaigns, Perry rebuked her: "If you're saying that I can be bought for $5,000 ?" And then, as everyone braced for a thunderbolt, Perry paused and concluded: "I'm offended."

Offended? What kind of sissy talk is that?

Now the Republican primary fight has turned to immigration. Romney wants a law-and-order policy: border fence, identity cards, more agents, no amnesty. Last night, he went after Perry for letting children of illegal immigrants pay in-state tuition rates at public colleges. Romney argued that the tuition discount gives people an incentive to sneak over the border so their kids can exploit the benefit.

Perry disagreed. But instead of getting into an argument about law, tuition rates, or economic incentives, he simply declared: "If you say that we should not educate children who have come into our state for no other reason than they've been brought there by no fault of their own, I don't think you have a heart."

Don't have a heart? No wonder the audience booed him.

Yes, Perry talks like a cowboy. Yes, he's a hardliner on taxes, Social Security, abortion, and lots of other issues. But there's a pattern in his violations of the Tea Party line, and it permeates everything he says and does. He's a feeler, not a thinker, and he's up against a hyper-rational candidate running on a message of competence. Ultimately, their fates could be decided not by who's more conservative, but by whether Republicans vote with their brains or their hearts.

Like Slate on Facebook. Follow us on Twitter. William Saletan's latest short takes on the news, via Twitter:

Source: http://feeds.slate.com/click.phdo?i=6914266d270c72717d0e78542281c638

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Rays bash Yanks, stay in hunt

Moore strikes out 11 in first start as Tampa Bay avoids 4-game sweep

Image: Desmond Jennings, B.J. UptonAP

Tampa Bay's B.J. Upton celebrates with Desmond Jennings after Upton's two-run home run. Upton and the Rays won Thursday's game.

By HOWIE RUMBERG

updated 12:06 a.m. ET Sept. 23, 2011

NEW YORK - Rays manager Joe Maddon heard a few cheers coming from the clubhouse and reached for the computer mouse. He knew what had just happened. He wanted to know how.

"Niiiice," Maddon said after learning the Toronto Blue Jays beat the Los Angeles Angels in the 12th inning.

Indeed, it was a nice night for Tampa Bay.

Matt Moore struck out 11 in five innings of his first major league start and the Rays unloaded on the watered-down Yankees for a 15-8 victory Thursday, a night after New York clinched the AL East title.

The Rays avoided a four-game sweep and pulled within two games of idle Boston in the AL wild-card race. Both teams have six games left. The Angels dropped three back of the Red Sox when Toronto's Edwin Encarnacion hit a walk-off homer.

"We kind of feel like we have to" win all their remaining games, Johnny Damon said.

Before this game, New York catcher Russell Martin declared how much he hated the Red Sox and would like to see them miss the playoffs. Tampa Bay took advantage of four Yankees errors, two by shortstop Derek Jeter, and romped.

B.J. Upton was a double shy of the cycle in four at-bats, Ben Zobrist homered among his three hits and Damon also connected for Tampa Bay. Facing a lineup of backups and rookies, the Rays roughed up Bartolo Colon and led 13-0 in the fifth inning. Seven players wearing No. 60 or higher played for New York.

Making a spot start in place of Jeff Niemann (back) in a key September game for the Rays, Moore (1-0) calmly buzzed through five innings on the big stage of Yankee Stadium. He allowed just four hits and established a team record for strikeouts in a first start. Wade Davis fanned nine Sept. 6, 2009.

"Obviously it wasn't all their lineup but there was a lot of good hitters in that lineup and he attacked them," Maddon said. "His composure, Yankee Stadium, throwing strikes, all those things speak to the make up of Matt Moore."

The 22-year-old, who threw a no-hitter for Double-A Montgomery on June 16, mixed a 97 mph fastball, changeup and sharp curveball to earn his first big league win in front of his dad and four other family members. This was his third game in the majors.

"Facing Jeter as the first hitter my nerves seemed to be in check and I could feel comfortable, Moore said.

After wrapping up their 12th AL East title in 16 years Wednesday, New York dialed it down a notch. Players did not have to report until 5:30 p.m., an hour after batting practice usually starts for a night game. And manager Joe Girardi rested Martin, Curtis Granderson, Alex Rodriguez, Brett Gardner, Robinson Cano and made Mark Teixeira the designated hitter.

The Yankees that played were out of sync in the field. Along with his errors, Jeter struck out twice before being replaced.

"You've got to go out there and perform the way we should be performing," Andruw Jones said. "Nothing was different in attitude when the game began."

Colon (8-10) made New York's postseason pitching plans even murkier. He gave up seven runs ? five earned ? and seven hits in three innings and is winless since July 30, a span of nine starts.

With CC Sabathia and youngster Ivan Nova the only starters to lock up a postseason start, Girardi is looking for someone to distinguish themselves in the final week. Phil Hughes has a bad back and A.J. Burnett has struggled all season. Freddy Garcia will have a chance to lock down the third spot this weekend against Boston.

"You think about the third game is going to be five days from Wednesday, so you can pretty much let everyone continue to pitch and make that decision at the end of it," said Girardi about how he plans to go about picking a No. 3 starter.

Martin's jibe aside, the Yankees have three games against the Red Sox this weekend and three at Tampa Bay next week. Girardi has to balance finding rest for a veteran lineup that has been plagued by nagging injuries late this season with fielding a competitive club as the wild card goes down to the wire.

"Our responsibility is to our club. That's the bottom line," he said before the game. "I have to make sure our guys are healthy and rested and ready to go next Friday. ... Obviously our goal is to get home-field advantage, and the important thing to me about some of these lineups is that we take care of our guys and have them ready to play next Friday."

They sure weren't ready after the bubbly flowed late after the doubleheader sweep Wednesday. The Rays were 1 for 20 with runners in scoring position in the series entering the finale, but they had three hits in those situations through two innings Thursday.

The Rays' big inning came in a five-run fourth, when Upton and Damon each hit two-run homers, eliciting boos from the crowd of 47,470. Zobrist connected in the third and went 3 for 3 with a sacrifice fly after leaving six on base in the doubleheader.

Dane De La Rosa gave up six runs in 1 1-3 innings of relief for the Rays. He yielded Jones' two-run homer in the sixth.

Notes: The teams combined to use 28 position players and 12 pitchers. ... The Yankees struck out a season-high 15 times. ... Maddon said Niemann is on track to start Saturday. ... Yankees pitchers Andrew Brackman and Dellin Betances made their major league debuts. ... The Yankees' rotation against Red sox this weekend: Garcia (11-8), A.J. Burnett (10-11) and Nova (16-4). ... David Price (12-12) will start against the Blue Jays' Brandon Morrow (10-11) on Friday. Price left Sunday's outing in Boston after getting hit on the right side of his chest by a line drive.

? 2011 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.


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Rays bash Yanks, stay in hunt

B.J. Upton homers, drives in three runs and scores four times to help the Rays to a 15-8 blowout of the Yankees and move to within two games of the Red Sox in the AL wild-card race.

Source: http://nbcsports.msnbc.com/id/44634550/ns/sports-baseball/

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Rescuers find more casualties of Himalayan quake (Reuters)

GUWAHATI, India (Reuters) ? Air force helicopters flew rescue workers to a remote Himalayan region on Tuesday in search of survivors of a strong earthquake that killed dozens of people in India, Nepal and the Chinese region of Tibet.

Most of the casualties were near the epicentre of Sunday's 6.9 magnitude quake that bucked roads and knocked down houses in the sparsely populated Sikkim, popular with trekkers for its Buddhist monasteries and spectacular trekking.

Landslides, rain and fog hampered rescue work for a second day, with high mountain passes to the worst affected region blocked by rocks and mud. But a break in the clouds allowed army helicopters to fly a few rescuers to Mangan , a hard-hit small town ringed by snow-capped mountains near the epicentre.

Hundreds of houses collapsed across the Himalayas, and villagers dug with their hands in the rubble in search of the missing. Soldiers found five more bodies in Sikkim on Tuesday.

The quake killed at least 82 people. The government confirmed 50 deaths in Sikkim and 18 in other states. At least seven people died in Nepal and seven more in Tibet.

With soil waterlogged after days of rain, fresh landslides blocked the main access to the state overnight, leaving many of the hundreds of rescue workers deployed from New Delhi unable to reach the worst-hit areas.

For centuries a rarely visited Buddhist kingdom known for the world's third highest peak on its border with Nepal called Kangchenjunga and glacial lakes, Sikkim joined India in 1975. With 600,000 residents, it is the least populated state and borders Bhutan, Tibet in China and Nepal.

The state's economy boomed in recent years as it opened up to tourism and trade with China. Residents say landslides are a threat to hastily built new buildings in its mountain towns.

(Writing by Frank Jack Daniel; Additional reporting by Annie Banerji in Delhi; Gopal Sharma in Kathmandu; Editing by Sugita Katyal)

Source: http://us.rd.yahoo.com/dailynews/rss/india/*http%3A//news.yahoo.com/s/nm/20110920/india_nm/india594096

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Thursday, 22 September 2011

How Short Expression Disability Added benefits Are ... - health adviser

by: Guest Blogger - September 20th, 2011

Short-Term Disability Insurance For Individuals Short Term Disability Insurance Explained Short Term Disability Insurance Explained

How Short Expression Disability Added benefits Are Taxed
For those who have injured all by yourself (on or off the occupation) and also have been rendered briefly disabled, you might be collecting short expression disability positive aspects. The benefits may be paid out with the social security administration or from disability insurance coverage presented by your employer. How short-term disability gains are taxed differs depending on irrespective of whether there?re public rewards (this kind of as social protection) or non-public advantages, these as many offered by your employer. Taxation of those sorts of added benefits also varies significantly from state to state and method to software. It really is effective to talk that has a competent tax advisor in your neighborhood early as part of your small phrase disability period of time to know particularly what to hope. Under are some pointers to obtain you begun.
Public Small Expression Disability Positive aspects
Commonly talking, if Social Safety Disability (SSD) is definitely the only cash flow you?re getting, you?ll be able to assume to pay out minimal to no tax on that cash flow. The reasoning is the public disability advantage is viewed as to become minimal income. In this case, the IRS will give you a break by taxing only a part from the advantages determined by what other money you could be receiving. In case you are receiving other cash flow, this kind of as worker?s compensation added benefits, investment revenue or other earnings, you need to consider a look at the IRS?s pointers extra closely. Even when you receive no other earnings throughout your disability period of time, but did obtain revenue from a employment during a part on the yr, you?ll need to spend taxes on a portion from the cash flow. Usually, the federal suggestions are as follows:
o If you file a federal tax return being an ?individual? along with your combined money is at least $25,000 but not better than $34,000, you might should pay money tax on as much as fifty percent of the short-term Social Safety Disability advantages.
o If your blended cash flow is previously mentioned $34,000, you?ll need to pay out taxes on up to 85% of your SSD rewards
When you file a joint return:
o You might be taxed on approximately fifty percent of your SSD gains if your household?s mixed income is in between $32,000 and $44,000.
o In case your combined cash flow is better than $44,000, approximately 85 percent of one?s Social Protection gains are topic to income tax.
o If you?re married and file a separate tax return, you?re very likely to fork out taxes on your benefits.
Once more, the regulations will range from state to state, and you ought to talk about your personal condition by using a certified tax qualified.
Non-public Small Expression Disability Gains
For short phrase disability gains paid by personal insurance programs, the principles are distinctive. The IRS will tax possibly the rates which were compensated for your disability insurance plan policy or even the true gains paid to the claimant. Should the premiums deducted from an employee?s paycheck are compensated with after-tax pounds, they were included in taxable earnings, hence the benefits obtained from your coverage are certainly not taxable cash flow. If, then again, the employer delivers the small term disability insurance plan being an worker benefit and deducts the premiums being a small business cost, then the IRS taxes the gain repayments produced to the claimant. When you?ve got started or will shortly begin receiving brief expression disability added benefits from an insurance plan strategy, ensure you recognize how the approach is taxed by the IRS.

Source: http://www.healthandfitnessadvisor.com/how-short-expression-disability-added-benefits-are-taxed/

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Building Activity Remains in the Doldrums | Marshfield Real Estate

Builders in the United States cut back on spending by the largest amount in six months in July with sharp reductions in outlays for government building projects.

Construction spending fell 1.3% to a seasonally adjusted annual rate of $789.5 billion, the Commerce Department reported.? This is 3.5% above an 11-year low hit in March, but it is still only about half the $1.5 trillion that economists view as a healthy level for construction.? Economists believe it could take four years before construction activity returns to more normal levels.

The weakness in July reflected a 2.1% drop in spending on government building projects, which fell to the slowest pace since late 2006.

Spending on residential construction fell 1.4%, reflecting a big drop in spending on home improvement projects.? Spending on new homes and apartments showed small increases with total residential construction standing at an annual rate of $248.1 billion.

The 0.4% drop in non-residential spending, to an annual rate of $266.4 billion, reflected declines in spending on hotels, recreation facilities and factories.

The 2.1% drop in spending for government projects pushed this sector down to an annual rate of $275 billion, the lowest level since late 2006.? State and local governments have been forced to cut back because of severe budget problems while the federal government has come under pressure from a drive to get control of soaring budget deficits.

Housing has been a drag on the economy and is a key reason the economy has struggled to recover two years after the recession officially ended.? Home sales are on pace this year to be the worst in 14 years.

High unemployment, larger down payment requirements and tighter credit are preventing many buyers from entering the market.? Many who can afford to buy are waiting because they are worried prices have yet to hit bottom.

Economists believe home prices will fail further once banks resume millions of foreclosures, which have been delayed because of a government investigation into mortgage lending practices.? If the U.S. economy slips back into another recession, prices could drop even further.

The pace of sales for previously occupied homes is trailing last year?s 4.91 million sold, the fewest since 1997.? In a healthy economy, people buy roughly 6 million homes each year.

Sales of new homes dropped in July for third straight month.? This year is shaping up to be the worst for sales of new homes on records dating back to 1963.

Posted by Martin Crutsinger, Associated Press for The Patriot Ledger

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Source: http://marshfieldrealestate.wordpress.com/2011/09/21/building-activity-remains-in-the-doldrums/

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