On Tuesday the trading session opening was marked with the dollar ...

On Tuesday the trading session opening was marked with the dollar trading. Thus, Greek aid optimism influenced the market for a short time.? In the European trading session American currency narrowed its losses and ended the day strengthening against European opponents and remained neutral against the yen. It is obvious that investors have already taken into account the decision of European Union according to rumors, and their attention was switched to the U.S. fiscal cliff, which brought a lot of fear now.? The dollar was also supported by the US economic statistics published yesterday , most of which demonstrates positive dynamics. Total volume of durable orders is the same in October in comparison with September, it was better-than-expected by forecast, which expected its decrease by 1.2%? m/m, the consumer confidence rose in November ? the Conference Board Consumer confidence index showed? 73.7 after 73.1 in October, when it was expected only 73.0. Housing market statistics also confirms the housing market recovery ? according to the Federal Housing Finance Agency (the FHFC) house prices rose by 0.2% m/m and by 4.4% y/y, and S&P Case-Shiller report demonstrates rise in house prices in 20 megalopolises in the same month by 3% y/y. Regional data has some divergences? ? the production index conducted by the FRS Richmond in November increased to 9 from 7 earlier, the production index of the FRS Chicago decreased in October by 1.2% m/m, but increased by 5.9% per annum. Today there is only a few news. Housing market data for October will come out, which may demonstrate its decrease by 1.0% after increase +5.7% in the previous month.? The FRS Economic data of the regions (the Beige Book) will pe published soon, which? will bring information about the situation in the region. If talking about the nearest perspectives, we can assume that the dollar will be interesting only as a shelter-currency, and the invetors? attention will be drawn mostly by news about the negotiations of the US government about the budget problems.

EUR

On the last trading session investors concentrated their attention on the euro for a short time which was caused by the information about the new aid tranche for Greece. On Tuesday the Ministers of Finance of the EU, the ECB and the IMF came to a consensus about the new aid tranche for Greece and allocated 43.7 milliard euros to this country from the EFSF. What is more, it was announced that there is an intention to consider different measures in order to support Greece such as lower interest rate of Greece?s debt, reduce credit interest rates which had been provided by the EFSF, and also 10 years postponement of credit provided by the European Financial Stability Facility. Nevertheless, It didn?t bring risk seeking in the market, maybe because of the fear of budget problems in the USA, which is the most important problem now as it must be solved till by the end of current year. There was almost no news about the EU economy. Only France Consumer Confidence Index for November was published, which showed better results than expected. The Consumer Confidence Index remained unchanged, at the level 84 as in October when it was forecasted its decrease to? 83. Today there are more news ? the money supply data is going to come out , the aggregate M3 is expected to widen to +2.8% y/y in October from+2.7% y/y earlier, but it might slow down to +2.8%? per quarter after +3.0% q/q in the previous period. Germany inflation rate is also expected to come out? ? according to the preliminary calculations the Consumer price index (CPI) for November is expected to decrease? -0.1% m/m, +1.9% y/y against 0.0% m/m, +2.0% y/y in October. It is unlikely that this statistics will cause activity in the market. Members of market will pay attention to the political events in the USA.

GBP

The British pound was changing its positions against the dollar, but it ended the day decreasing as the euro. The pound sterling was supported by the GDP growth data for the 3^rd quarter which demonstrates more precise results. According to the report the main economic indicators remained +1% q/q, but it decreased by 0.1% y/y, at the same time household expenses in Great Britain for the 3^rd quarter demonstrated the highest growth for more than two years? ? by 0.6% after its decrease by 0.2% before, and gross profit increased by 0.5% and? 1.0% correspondingly. Maybe it reduced slightly fears of the results for the last quarter of this year. What is more, yesterday at the meeting of Parliament the head of the BoE announced? that he will be surprised if the economy demonstrates bad results for the 4^th quarter. The pound was negatively influenced by the announcement of the governor of the Bank of England P. Fisher about British economy that may need additional stimulus next year. Moreover, interest in pound could be reduced by fear of the US budget problems and good data of the US economy. Today there will be no news about ?islands? economy, and the pound will remain under the influence of external information.

JPY

Yesterday in the trading session Japanese currency decreased slightly against the dollar and ended the trading day almost on the starting prices. The currency pairs demonstrated weak dynamics in narrow corridors, maybe because of subsided political announcements about aggressive quantitative easing and coming elections in the Land of the Rising Sun, fixed on the middle of December. It intensified uncertainty and forced the market to wait for new reference points. Today there was no news about Japanese economy . This week the main information will come out tomorrow. And for the present the currency pairs which involve the yen may produce profits. It may support the Japanese currency in today?s trading session.

Source: http://blog.forex4you.com/on-tuesday-the-trading-session-opening-was-marked-with-the-dollar-trading/

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How to Buy Land to Build Your Dream Home

Many people do not want to buy someone else?s house. Building their own on a piece of New Orleans land allows them to design the layout and incorporate all the features that are important to them. It is a lot of work creating home plans, but it is definitely worth the effort. Purchasing land is not difficult. You just need to know what to look for. Hire a local, licensed real estate agent to help you with the search. These professionals know exactly how to find that perfect piece of property for your dream home.

Check Utility Connections

When you already hired a builder, take him along when inspecting land. Ask for his opinion before making a final choice. Will the suggested plans work for the topography? Do you have access to all standard utilities? If there is no access to water or sewer network, you will need a well and septic system. That adds a lot to the cost of your home. Check availability of electric, gas, water, as well as Internet and telephone services.

Easement

In real estate, an easement is the right to use another person?s land for a specific purpose. That can be anything from sharing a driveway to putting up a utility pole. Find out if there is an easement requirement before you make a purchase offer. What good is a piece of land when you cannot get to it? Look at past property deeds to find out more about existing easements. Your real estate agent may be able to help.

Survey Requirements

Some lenders require a survey. Is there one available, or do you need to pay for a new one? It is good to locate boundary lines in case you want to build a fence or to determine where you can place a building. If they are available, provide your surveyor with copies of old surveys of the property, title insurance policy papers, and other significant documents relating to that particular piece of land.

Ideal Location

Know exactly what amenities surround your piece of New Orleans land.? How far are you from shopping, restaurants, schools, medical centers, and the other services you value? Are you missing anything? Determine if it will be available soon.? Developments are slower in the country. Can you live with that? Are the streets paved? Private roads need to be maintained. Who is responsible? The bank may want to know. How far away would you be living from your place of work? A long commute can become a rather unpleasant responsibility after a few years.

Source: http://www.areastudies.org/how-to-buy-land-to-build-your-dream-home/

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Bees who review resumes and interview... ? Weddingbee Boards

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Managing the business risks of open innovation | PRIMO Europe

Focus on the factors that could redefine intellectual-property competition in your industry.

Source:?McKinsey Quarterly
Authors:?Oliver Alexy and Markus Reitzig

Several years ago, something interesting happened in the infrastructure software sector: IBM and a number of other companies pledged some of their own patents to the public to create IP-free zones in parts of the value chain. They did so when a 2004 report showed that Linux, the open-source operating system that had emerged as a viable, low-cost alternative to established operating systems, such as Microsoft Windows and Unix, was inadvertently infringing on more than 250 patents. ?¹?By voluntarily pledging not to enforce hundreds of IBM?s own patents so long as users of the IP were pursuing only open-source purposes, the company led the creation of an alliance of patent holders dependent on (and willing to defend) open-source software against lawsuits.²?One result: IBM substantially increased the share of its new products based on Linux. Read more >

Remark: you need a free membership of McKinsey Quarterly

Source: http://www.primo-europe.eu/2012/11/managing-the-business-risks-of-open-innovation/

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PFT: Honey Badger to enter NFL draft

AP

49ers coach Jim Harbaugh?s first two seasons with the team have provided a twist on the time-honored formula for a big-screen love story.? Instead of boy meets girl, boy loses girl, boy gets girl again, it?s been boy meets girl, boy publicly professes love for girl, boy evaluates second girl, boy professes love again for first girl, boy meets third girl, boy tries to date both as long as he can before kicking first girl to the curb.

The Niners? version of Girl No. 1, quarterback Alex Smith, reacted on Thursday to the reality that, while he?s still one of Harbaugh?s guys, he?s no longer ?the guy.?

?I mean, it sucks,? Smith said, via Matt Maiocco of CSNBayArea.com.? ?I don?t know what else to say.?

There?s nothing more to say.? Except, maybe, ?This is why players hide concussions.?

Smith didn?t say that.? But everyone is thinking it.? When Smith told trainers during a Week 10 game against the Rams that he was experiencing blurry vision after being hit in the head, Smith set in motion a chain of events that could ultimately cost him a shot at earning a Super Bowl ring and $7.5 million in 2012 compensation.

So, yeah, it sucks.? Even though Harbaugh made what he believes to be the best decision for the present and future of the franchise.

UPDATE 4:03 p.m. ET:? Actually, Smith came close to saying ?this is why players hide concussions.??? According to Eric Branch of the San Francisco Chronicle, Smith also said, ?I feel like the only thing I did to lose my job was get a concussion.?

Source: http://profootballtalk.nbcsports.com/2012/11/29/tyrann-mathieu-entering-2013-nfl-draft/related

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Balanced diet is important for weight loss

?

Losing weight can actually be a nightmarish process if the right steps are not followed; on the contrary gaining weight is like a piece of cake. In the mania to lose weight, people often push their limits by skipping meals or exercising way too much and not maintaining a proper balance between dieting and exercising. The lives that we lead are very stressful and demanding; due to this we eat any food item that comes our way without thinking of the repercussions that it will cause on our weight and the health problems or their possibility that will come along with it.

Two words that should be remembered are a healthy ?Balanced Diet.??Balanced diet for weight loss?is not only essential for losing weight but also for prevention of various health ailments, sleep related problems, to improve quality of life etc?A misconception that needs to be broken here is that healthy food is enough to stay healthy which is not true. Human body is such that it requires other minerals, available in the different food groups.

It is also of crucial importance to understand that some food items should not be consumed heavily as their consumption has an effect on our sleep cycle. For instance, artificial sugar and candies will ensure that we suffer from sleeplessness. The consumption of oily food results in a difficulty to restrict our sleep cycle, which leads to increased laziness. Following a balanced diet will ensure that we knock out the sleeping pills and enjoy a peaceful sleep.

You wish to kick that extra weight then you should also discard the junk food that is a prominent part of your lifestyle.

It brings along unnecessary fat which is the root cause of many health ailments. Many of us cannot stop satisfying our sweet tooth with all the possible pastries and cakes, a healthier option would be substituting it with fruits which are natural and nutritious. It is also very important to keep drinking a good amount of water to ensure that you don?t suffer from dehydration and the process of digestion does not suffer from any obstacles.

A very wrong notion about losing weight is the idea of skipping meals which does more harm than any good. Skipping meals leads to the metabolism rate getting affected which is a factor in long term weight gain. A wholesome breakfast consisting of cereals like oats, eggs, baked beans on toast etc?is a must because the human body does need its share of refueling.

Another good option is to cut down on alcohol which is a big boost in the process of weight loss. You can?quit alcohol for a certain period and you will notice the change that has occurred in your weight which will indeed be a good one.

Abstaining from fat completely is not a good option; a certain amount of fat is the need for our body. For instance, even if you have 10 nuts every day, you will get a good share of Vitamin E, proteins and healthy fats. Some of us have the habit of eating in between meals; we can have these nuts during early evening with a fruit. This will ensure that we don?t snack heavily before dinner. Walnut should be a part of these nuts because it is rich in the fats that are good for our health.?

While eating we should make sure that soups and salads accompany our meal, this will ensure that our meal is heavy but without the calories. A soup consisting of ingredients like onions, garlic etc? will make us feel light and will also reduce the extra fluid in our system. Eating a salad will also ensure that you feel satiated and the quality of your nutrition will be improved to a great extent.

Given our hectic lifestyles, maintaining the perfect diet is not always easy.?Weight management supplements?are a good option at such times. They help aid healthy weight loss, if accompanied with a nutritious diet and moderate exercise.

Our life is infested with problems of various kinds and one of these is the problem of losing weight. By following simple steps like the ones mentioned above, we can fix this problem and lead a happy and a healthy life.

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Source: http://weight.ezinemark.com/balanced-diet-is-important-for-weight-loss-7d37f15eddbb.html

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'Fix The Debt' CEOs Underfund Employee Retirement, Demand Cuts For Elderly

WASHINGTON -- A group of high-profile corporate CEOs are lobbying Capitol Hill this week to put Social Security and Medicare cuts at the forefront of deficit reduction negotiations. Their own retirement funds, however, are secure: The coalition includes 54 CEOs who have amassed combined pension assets of more than $649 million from their companies' executive retirement plans, according to a new report from the Institute for Policy Studies, titled "A Pension Deficit Disorder: The Massive CEO Retirement Funds and Underfunded Worker Pensions at Firms Pushing Social Security Cuts."

The CEOs' employees are much less secure in their retirement than the CEOs. According to the report, less than 60 percent of the 71 public companies offer pension plans for their employees. Of the 41 companies that do, 39 of them haven't contributed enough to their workers' pension funds to enable the plans to pay out their anticipated obligations. Among the companies with employee pension funds in the red, these deficits exceed $100 billion.

The CEOs are among 71 chief executives of publicly traded companies who belong to the Fiscal Leadership Council of the influential Campaign to Fix the Debt, a group which has raised more than $60 million to lobby for a debt deal driven by cuts to "entitlements." The coalition will meet Wednesday morning with congressional leaders, according to sources familiar with the group's lobbying activities. The group, funded in part by former private equity magnate Peter G. Peterson's foundation, has pledged to push for austerity during the lame duck congressional session, and beyond. Peterson has spent nearly half a billion dollars in recent years pushing his austerity agenda.

As the debate heats up over whether to cut Medicare, Social Security or Medicaid in order to maintain federal spending and corporate tax breaks, companies with well-compensated CEOs who preside over underfunded employee pension funds invite a new round of questions about the motives, and methods, of the CEOs pressuring Congress and the White House to cut programs for the middle class.

The companies in arrears on their pension funds include defense giant Boeing, which paid CEO Jim McNerney $23 million last year; Honeywell, where CEO Dave Cote earned more than $55 million in compensation in 2011; and AT&T, which docked CEO Randall Stephenson's pay by $2 million last year after he orchestrated a failed takeover of T-Mobile. The $2 million penalty meant that Stephenson made only $22 million total that year, as opposed to the $24 million he would otherwise have been paid.

Boeing, Honeywell, and AT&T represent just three of the dozen companies who are cited in the IPS report as having CEOs with individual retirement assets totaling more than $20 million each, despite the fact that their companies have underfunded pension funds for their employees.

If each of these 12 CEOs were to convert his retirement accounts into annuities at age 65, the report shows each would receive a monthly check for at least $110,000 for life. By contrast, the average montly Social Security payment was $1,237 in October. Still, the CEOs argue that Social Security benefits are too generous.

Jon Romano, a spokesman for the Campaign to Fix the Debt, highlighted the group's overall willingness to compromise.

"Our focus is on tackling the debt issues that threaten our economic recovery and endanger America's long term vitality," he said, "and the campaign recognizes that getting consensus on these issues requires compromise. Our supporters are prepared to do their part to get a deal done for the good of the country."

But the CEOs have emphasized austerity measures and cuts to the social safety net in recent interviews as the keys to a long-term deal.

"You're going to have to do something, undoubtedly, to lower people's expectations of what they're going to get [in Social Security and Medicare benefits], Goldman Sachs CEO Lloyd Blankfein, a member of the CEO Fiscal Leadership Council, told CBS last week. "The entitlements, and what people think they're going to get [need to be lowered], because you're not going to get it."

In an interview the following day, Dave Cote, the Honeywell CEO said, "The big nut is going to have to be [cuts to] Medicare/Medicaid ? especially with the baby boomer generation retiring. It's going to literally crush the system."

With $78 million set aside in Honeywell retirement accounts, Cote's executive retirement benefits exceed those of any other CEO in the report, which estimated that Cote's current account would provide him with $428,000 a month, were he to retire at 65.

But 65 years old is too young for American workers to retire, Cote insists. Cote said in an interview this fall on CNBC that the retirement age should be raised soon, and he mocked seniors' groups and social welfare organizations that recommend other alternatives, including a gradual rise in the retirement age. "When you recommend something like that you raise the retirement age by a year 75 years from now," Cote said, "when my grandchildren will already be retired - and the outcry begins - say this is ridiculous."

Another Fix the Debt CEO, Aetna's Mark Bertolini, made a similar case for raising the retirement age at a Wall Street Journal event this month. But unlike Cote, Bertolini laced his persuasion with a blatant threat, in the event that Congress and the White House don't meet their Dec. 31 deadline.

"The solutions [to the fiscal cliff] are ?- it?s the retirement age; means testing Social Security and Medicare; it?s a whole host of things that are known," Bertolini said. But if no deal is reached, then "the American people are going to suffer because we'll lay them off -- because we know how to respond to these kinds of situations." According to the IPS report, Bertolini's current retirement assets from Aetna total $1.5 million.

Romano, the Campaign to Fix the Debt spokesman, said the report represents "the very type of divisive attack that is causing the gridlock our group is trying to break. It's not a time for gotcha politics, it's a time for constructive dialogue," he said.

CEOs on the council are increasingly getting the opportunity to engage in dialogue at the very highest levels of government in recent weeks, both at the White House and in Congress.

The campaign plans to hold a number of events in Washington on Wednesday designed to draw attention to the urgency of a deficit reduction deal, and this past weekend, President Barack Obama telephoned two members of the Fix the Debt CEO council, JPMorgan Chase CEO Jamie Dimon and Jim McNerney of Boeing, to talk about the fiscal cliff.

But for many older Americans, the time for friendly discussions of retirement options has long since passed. In the past 30 years, the decline of pensions and employer-sponsored retirement plans has left the nation's seniors more dependent than ever on Social Security and Medicare.

Since 1980, the percentage of private sector workers with traditional pensions has dropped from 83 percent to 34 percent in 2006. By 2011, just 15 percent of private sector employees had traditional pensions.

The IPS report concludes with three recommendations for what the group classifies as "Fair Retirement Fund Reforms." They include eliminating the cap on wages subject to Social Security taxes, currently set at $110,100; ending the ability of highly paid executives to contribute unlimited amounts to their retirement funds; and backing a plan proposed by Democratic Iowa Sen. Tom Harkin, which seeks to evenly distribute the burden of retirement funding between employers, employees, and the federal government.

Also on HuffPost:

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Source: http://www.huffingtonpost.com/2012/11/27/fix-the-debt-ceo-retirement-cuts-elderly_n_2195461.html

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EU set to make its mind up over trade talks with Japan

BRUSSELS/TOKYO (Reuters) - Britain is trying to convince France and Italy to agree to negotiations with Japan to create a free-trade area with the European Union despite concerns that a deal would hurt the continent's weaker carmakers.

European free-trade advocates, including Britain, the Netherlands and Sweden, want EU trade ministers on Thursday to formally ask the Commission - the EU executive - to start talks with Japan, the world's third-largest economy.

Paris and Rome, however, are determined to defend their carmakers against strengthened competition from Japan after a free-trade deal with South Korea was followed by rising car imports when it came into force in July 2011.

A deal between Europe and Japan would bring together two trading partners responsible for a third of global economic output, but because a deal would take several years to finalize, those pushing for an accord worry Japan could lose interest.

Japan is currently more focused on parliamentary elections due on December 16, as well as on a Pacific free-trade area that Tokyo sees as a priority.

"There is a window of opportunity that could easily close," said a British diplomat involved in discussions.

The plan is part of the EU's ambition to sign free-trade deals on behalf of its 27 member states with major economies, including Canada and the United States, in the hope that trade will help revive stagnant demand in the European Union.

Japan is the EU's third-largest trading partner after the United States and China, accounting for 150 billion euros ($194 billion) a year in trade in goods and services.

Japan already has low import tariffs, with no duty on Scotch whisky or French cognac for instance. But Europeans say Japanese laws make it hard for them to do business there today, with special regulations on everything from music to imported cars.

For example, Japan gives copyright protection to sound recordings for 50 years as opposed to 70 in most of the rest of the world. Music labels would like Japan to let royalty payments run for longer, an issue underscored by artists like the Rolling Stones, who have been celebrating 50 years in music this year.

"We need to ensure our products can actually reach Japanese consumers without being blocked by legal or security barriers," said one Italian diplomat.

Britain, a purchaser of high-speed trains from Japan's Hitachi , is keen to keep Japanese competition in a European market dominated by France's Alstom and Germany's Siemens .

Overall, an accord could increase EU economic output by up to 1.9 percent, or by 320 billion euro ($415 billion), by 2020, according to an internal EU document prepared for the talks. Japan could see a 0.7 percent boost.

Reluctance in France and Italy, and to a lesser degree Germany, stems from doubts over whether Tokyo is prepared to significantly open its auto, agriculture and services markets to foreign competitors.

France and Italy say they could go ahead with negotiations but suggest that trade in cars be subject to checks to avoid a surge in imports.

READY TO TALK?

Japan's elections next month look likely to return to power the long-dominant Liberal Democratic Party, which has been more vague about its trade agenda than the current Democratic Party of Japan government.

A deal with the EU also stirs little passion in Tokyo, where officials are focused on the proposed Trans-Pacific Partnership that would link Asia, the United States and Australia.

"Japan is ready to start negotiations with the EU," said a Japanese source familiar with discussions in Tokyo. "But it is for the Europeans to decide. Japan has done what we could do."

Tokyo says it is serious about a deal and has dropped a ban on French and Dutch beef imports as well as agreeing to allow food additives in European food imports.

There are still potential conflict areas, however, including access to public tenders in Japan, ranging from road building to supplying software. The European Commission says Europe's public procurement market is far more open than Japan's, which allows foreign bidders on fewer than 3 percent of public contracts.

On the surface, the EU car market has more barriers than Japan's, with a 10 percent tariff on imported Japanese cars.

But EU carmarkers say they face numerous "non-tariff barriers" that hinder exports to Japan. The country has a category of "light" cars, which benefit from tax breaks.

Most small European cars, such as the Fiat 500, do not meet the category's demanding criteria on size and power, however, making it hard for them to compete with Japanese vehicles.

"It is troubling that the European Commission, in the midst of a serious economic crisis, would propose launching negotiations with Japan before the Japanese remove important non-tariff barriers against the European auto industry," Ford Motor Co , a U.S. automaker with a big presence in Europe, told Reuters in an emailed statement.

Partly because of such worries, the Europeans have insisted that negotiations can be called off after a year if they feel Japan is not doing enough to open up its markets.

(Additional reporting by Franceso Guarascio and Philip Blenkinsop; Writing by Robin Emmott; Editing by Sebastian Moffett and Hugh Lawson)

Source: http://news.yahoo.com/eu-set-mind-over-trade-talks-japan-135241056--finance.html

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Choosing a Laptop Repair Service

Having a damaged laptop can be a very nerve-wracking situation, especially when you use the laptop daily. There are factors to look at before you get your laptop repaired. In most cases when you have a broken laptop, you mostly think of replacing it. The first question that pops up to your mind is whether you should purchase a new laptop or not. Well, buying a new one might not be the only option since you can get your laptop repaired at low prices. Nonetheless, it depends with the severity of laptop repair, the age of your damaged laptop, and the costs of laptops.

Some of the repairs that may require you to purchase a new laptop include a broken motherboard, broken LCD screen, and a severely damaged case. These types of repairs are mostly expensive, and putting in mind the period you have been with your laptop, this could be the best time to get a new laptop. Nonetheless, it is advisable to consult a professional to give you advice on whether it is viable to repair or buy a new laptop.

Regardless of whether you want a laptop repair service or replacement, you will have to decide on what you will do with your data. If you are unable to turn on your laptop, it will be difficult to retrieve your data. That is why it is advisable to have backups on your laptop data to protect you from these tricky situations. This will also make it easier for you to access your data whilst your laptop is undergoing repair.

Some laptop repair services provide data backup and recovery. Always ensure that you inquire about backup and recovery options when looking for a laptop repair service. Additionally, you also want to be certain that your data is secure and safe with whoever offers you laptop repair services.

With this, you would want to ensure you select a certified laptop repair service.

The most important thing that most people would want to know is the repair cost. This might prove to be a tricky situation since most laptop repair services have to diagnose your laptop first before giving you the pricing. Even some of the flat rated laptop repair services do not cover the parts needed to repair your laptop. If you are worrying about repair costs, you do not need to take your laptop to a repair service that diagnoses your laptop before they give you a repair charges. You may end up with an astronomical bill.

Different laptop repair services handle their laptop repairs differently. There are those that will replace a vital component instead of repairing the affected area, which might be a bit costly. If you want to save on cash, then it is advisable that you go to a service center that diagnoses the problem first. With this, they will detect the problem and repair the broken component. This will save a whole lot of money. However, you should always make sure to contact a reputable laptop repair company to ensure you get quality services.

Ryan is a part of Nerds on Site- Global Technology Partners. With over 50 service areas in and around canada including computer services in london, ottawa computer repair, and red deer computer repair; Nerds on Site brings solves your technology headaches right at your doorstep.

Ryan is a part of Nerds on Site- Global Technology Partners. With over 50 service areas in and around canada including http://nerdsonsite.ca/london-computer-support/ computer services in london, http://nerdsonsite.ca/ottawa-computer-support/ ottawa computer repair, and http://nerdsonsite.ca/reddeer-computer-support/ red deer computer repair; Nerds on Site brings solves your technology headaches right at your doorstep.

Source: http://www.articlesbd.com/articles/281909/1/Choosing-a-Laptop-Repair-Service/Page1.html

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SA's infrastructure finance future - Opinion, News

The National Planning Commission recently identified a 30 percent fall in public sector spending since 2008.

Project bonds, an asset class that is still untapped in this country, could be a viable alternative means of financing infrastructure projects.

This is more bad news for many South African infrastructure groups who are battling to survive, especially considering that (according to Murray & Roberts) though government announced South Africa?s R4 trillion expenditure on infrastructure over the next 15 years, there were no tenders issued for a major infrastructure project.

With the infrastructure sector now waiting for the state to start spending on its 18 strategic infrastructure projects, outlined at the October 2012 Presidential Infrastructure Investment Conference, funding has become a real problem.

With banks, other financiers and major equity investors tightening their lending requirements for many infrastructure projects, an opportunity for non-bank money to fill some of the gaps being left by international banks scaling down on long-term lending is available.

Locally, the time is ripe for the injection of fresh life into South African infrastructure investment ? but borrowers will have to start looking beyond the banks at alternative sources of funding.

Are project bonds the future of infrastructure in South Africa?

Around the world, governments have embarked on major infrastructure investments following the global financial crisis and the resultant economic downturn.

These initiatives are designed to cushion, if not reverse, the rapid slide into economic recession.

Governments are also attempting to fill the gaps that have emerged as banks, other financiers and major equity investors turn off the funding tap for many infrastructure projects.

Project bonds, an asset class that is still untapped in this country, could be a viable alternative means of financing infrastructure projects.

These bonds allow access to large international pockets of non-bank money and could potentially fill some of the gaps being left by international banks scaling down their involvement in the project finance arena.

Project bonds are typically debentures used to finance project and infrastructure transactions, and are issued with a long maturity, usually longer than 10 years.

Banks need to bear higher liquidity and capital holding costs as a result of Basel III, and this has pushed up the cost of lending.

This is in contrast to the tenure of five to seven years for corporate bonds and bank loans, the more traditional means of financing projects.

However, the tenure of project bonds would not appeal to all investors but specifically those with an appetite for long-term investments, notably pension funds and insurance firms.

Project bonds advantageous for borrowers and investors

At this particular point, project bonds could be advantageous for borrowers and investors alike as the capital markets are not contending with the same cost and regulatory constraints as the banking sector.

Banks need to bear higher liquidity and capital holding costs as a result of Basel III, and this has pushed up the cost of lending.

Additionally, faced with the Eurozone crisis, European banks? credit committees have less appetite and are taking a much more conservative approach towards long-term lending.?

While the position of South African banks is more positive, local banks have a clear preference for shorter dated assets, typically of five to seven years, and so are unlikely to step into the funding gap left by international banks.

Also, the funding available from local banks may be stretched because of demand for financing from bidders in the renewable energy programme for independent power producers.

As an alternative source of funding for capital-intensive projects, project bonds are well worth looking at.

They have been used successfully in markets such as Europe, Latin America and the Middle East.

In South Africa, if transactions are properly structured to address the issue of construction risk, there should be significant potential and appetite for project bonds among investors.

Construction risk refers to the initial period when the project is built or constructed, usually the first three years, when the risk to investors is highest because no cash flows are being generated yet and construction could be delayed for whatever reason or ultimately fail.

Investor concerns about construction risk can be addressed through upfront credit enhancement in the form of subordinated debt, or through guarantees from third parties, whether government or development finance institutions.

I think there is a place in South Africa for project bonds ? the expertise is available, there must be appetite and there is certainly a need for alternative sources of project finance provided that the bonds are structured in such a way as to minimise investor concerns.?

Project bonds could supplement existing infrastructure funding and help deliver the growth boost for which politicians and economists are looking at infrastructure investment to deliver.

The question is: who is going to be first to test the waters? - Richard Roothman

Source: http://www.property24.com/articles/sa%E2%80%99s-infrastructure-finance-future/16687

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Cops: Suspect in Ark. girl's death a family friend

BENTONVILLE, Ark. (AP) ? Officials say the man arrested as a suspect in the killing of a 6-year-old Arkansas girl was a family friend.

Bentonville Police Chief Jon Simpson on Tuesday described 28-year-old Zachary Holly as "an acquaintance."

Simpson told The Associated Press that Holly and his wife lived next door to where Jersey Bridgeman was staying.

Jersey was reported missing the morning of Nov. 20. Minutes after a search began, her body was discovered in an abandoned house two doors from her home. A high-profile child abuse case last year sent Jersey's father and stepmother to prison.

Holly is charged with capital murder, kidnapping and residential burglary.

Simpson said Holly and his wife do not have children, but Holly's wife has a child who is "pretty much the same age as our victim."

Source: http://news.yahoo.com/cops-suspect-ark-girls-death-family-friend-183031491.html

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Euro officials cut a deal on Greek debt

Eurozone finance ministers agreed to give Greece the next installment of its bailout loan, totaling about $57.8 billion. Greece will soon enter its sixth year of recession.

By Don Melvin and Raf Casert,?Associated Press / November 26, 2012

Managing Director of the International Monetary Fund Christine Lagarde, speaks with the media as he arrives for a meeting of eurogroup finance ministers at the EU Council building in Brussels on Monday.

Virginia Mayo/AP

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Greece is on its way to getting the next installment of its much-needed bailout loans after finance ministers from the 17 European Union countries that use the euro agreed on a program to reduce the country's debt.

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The first disbursement will take place Dec. 13, said Jean-Claude Juncker, head of the eurogroup of finance ministers, which made the decision early Tuesday.

Mario Draghi, President of the European Central Bank, welcomed the agreement.

"It will certainly reduce the uncertainty and strengthen confidence in Europe and in Greece," Draghi said.

This was the third time in the last two weeks that finance ministers from the eurozone had tried to hammer out a deal on the next installment of bailout money ? some ?44.6 billion ($57.8 billion).

The so-called troika of the European Central Bank, IMF and the European Commission, which is the 27-country EU's executive arm, have twice agreed to bail out Greece, pledging a total of ?240 billion in rescue loans ? of which the country has received about ?150 billion so far. In return for its bailout loans, Greece has had to impose several rounds of austerity measures and submit its economy to scrutiny.

Greece is predicted to enter its sixth year of recession shortly, and there had been fears that it might be forced to drop out of the eurozone, destabilizing other countries in the process.

The main aim of the bailout program is to right Greece's economy and get it to a point where it can independently raise money on the debt markets. It has been clear for months that the country is far from achieving that goal, and the latest talks were about trying to get Greece back on the path to sustainability.

Juncker said the agreement includes:

? A plan to reduce Greece's debt level to 124 percent of its gross domestic product by 2020 and below 110 percent by 2022. The original goal had been 120 percent of GDP in 2020.

?A lowering by 100 basis points of the interest rate charged to Greece by other eurozone member states ? excluding those that are also receiving bailouts.

?A 15-year extension of the maturities of loans from other countries and the eurozone's bailout fund, the European Financial Stability Facility, and a deferral of interest payments by Greece on EFSF loans by 10 years.

"This is not just about money," Juncker said. "It is the promise of a better future for the Greek people and for the euro area as a whole."

The head of the IMF, Christine Lagarde, also said the agreement was significant.

"We wanted to make sure that Greece was back on track," Lagarde said. "If you put it all together it is a significant amount."

Greek officials welcomed the agreement.

"Of course it is positive that the blockage has been removed from the loan installments," said Notis Mitarakis, the country's deputy development minister, early Tuesday, on the private Skai channel in Greece. "But I am unaware of the details, so we'll have to look at them."

The channel reported that Greece would get ?31.5 billion ($40.84 billion) straight away and the rest in separate installments in January, February and March, but it cited no sources.

The political agreement reached Tuesday will have to be submitted to national parliaments in some countries. After that, the finance ministers plan to hold another meeting, either in person or by telephone, to give final approval to the disbursement.

Pan Pylas in London, Geir Moulson in Berlin, and Derek Gatopoulos in Athens contributed to this report.

Source: http://rss.csmonitor.com/~r/feeds/csm/~3/7SabFN-nsCw/Euro-officials-cut-a-deal-on-Greek-debt

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Video: Gold Steady Around $1,750 Per Ounce

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Source: http://video.msnbc.msn.com/cnbc/49968779/

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Europe mulls ban on 'boxes' for abandoned babies

BERLIN (AP) ? German pastor Gabriele Stangl says she will never forget the harrowing confession she heard in 1999. A woman said she had been brutally raped, got pregnant and had a baby. Then she killed it and buried it in the woods near Berlin.

Stangl wanted to do something to help women in such desperate situations. So the following year, she convinced Berlin's Waldfriede Hospital to create the city's first so-called "baby box." The box is actually a warm incubator that can be opened from an outside wall of a hospital where a desperate parent can anonymously leave an unwanted infant.

A small flap opens into the box, equipped with a motion detector. An alarm goes off in the hospital to alert staff two minutes after a baby is left.

"The mother has enough time to leave without anyone seeing her," Stangl said. "The important thing is that her baby is now in a safe place."

Baby boxes are a revival of the medieval "foundling wheels," where unwanted infants were left in revolving church doors. In recent years, there has been an increase in these contraptions ? also called hatches, windows or slots in some countries ? and at least 11 European nations now have them, according to United Nations figures. They are technically illegal, but mostly operate in a gray zone as authorities turn a blind eye.

But they have drawn the attention of human rights advocates who think they are bad for the children and merely avoid dealing with the problems that lead to child abandonment. At a meeting last month, the United Nations Committee on the Rights of the Child said baby boxes should be banned and is pushing that agenda to the European Parliament.

There are nearly 100 baby boxes in Germany. Poland and the Czech Republic each have more than 40 while Italy, Lithuania, Russia and Slovakia have about 10 each. There are two in Switzerland, one in Belgium and one being planned in the Netherlands.

In the last decade, hundreds of babies have been abandoned this way; it's estimated one or two infants are typically left at each location every year, though exact figures aren't available.

"They are a bad message for society," said Maria Herczog, a Hungarian child psychologist on the U.N. committee. "These boxes violate children's rights and also the rights of parents to get help from the state to raise their families," she said.

"Instead of providing help and addressing some of the social problems and poverty behind these situations, we're telling people they can just leave their baby and run away."

She said the practice encourages women to have children without getting medical care. "It's paradoxical that it's OK for women to give up their babies by putting them in a box, but if they were to have them in a hospital and walk away, that's a crime," Herczog said. She said the committee is now discussing the issue with the European Parliament and is also asking countries which allow the practice to shut them down.

Herczog also said it's wrong to assume only mothers are abandoning these children and that sometimes they may be forced into giving up children they might otherwise have kept. "We have data to show that in some cases it's pimps, a male relative or someone who's exploiting the woman," she said.

In some countries ? Australia, Canada and Britain ? it is illegal to abandon an infant anywhere. Yet, in the U.S. there are "safe haven" laws that allow parents to anonymously give up an infant in a secure place like a hospital or police department. A handful of other countries including Japan and Slovakia have similar provisions.

Countries that support this anonymous abandonment method contend they save lives. In a letter responding to U.N. concerns, more than two dozen Czech politicians said they "strongly disagreed" with the proposed ban. "The primary aim of baby hatches, which (have) already saved hundreds of newborns, is to protect their right to life and protect their human rights," the letter said.

However, limited academic surveys suggest this hasn't reduced the murder of infants. There are about 30 to 60 infanticides in Germany every year, a number that has been relatively unchanged for years, even after the arrival of baby boxes. That's similar to the per capita rate in Britain where there is no such option.

Across Germany, there is considerable public support for the boxes, particularly after several high-profile cases of infanticide, including the grisly discovery several years ago of the decomposed remains of nine infants stuffed into flower pots in Brandenburg.

Officials at several facilities with baby boxes say biological parents sometimes name the infant being abandoned. "The girl is called Sarah," read one note left with a baby in Lubeck, Germany in 2003. "I have many problems and a life with Sarah is just not possible," the letter said.

The secretive nature also means few restrictions on who gets dropped off, even though the boxes are intended for newborns. Friederike Garbe, who oversees a baby box in Lubeck, found two young boys crying there last November. "One was about four months old and his brother was already sitting up," she said. The older boy was about 15 months old and could say "Mama."

Still, Germany's health ministry is considering other options. "We want to replace the necessity for the baby boxes by implementing a rule to allow women to give birth anonymously that will allow them to give up the child for adoption," said Christopher Steegmans, a ministry spokesman.

Austria, France, and Italy allow women to give birth anonymously and leave the baby in the hospital to be adopted. Germany and Britain sometimes allow this under certain circumstances even though it is technically illegal. Eleven other nations grant women a "concealed delivery" that hides their identities when they give birth to their babies, who are then given up for adoption. But the women are supposed to leave their name and contact information for official records that may be given one day to the children if they request it after age 18.

For German couple Andy and Astrid, an abandoned infant in a baby box near the city of Fulda ended their two-year wait to adopt a child nearly a decade ago.

"We were told about him on a Sunday and then visited him the next day in the hospital," said Astrid, a 37-year-old teacher, who along with her husband, agreed to talk with The Associated Press if their last names were not used to protect the identity of their child. The couple quietly snapped a few photos of the baby boy they later named Jan. He weighed just over 7 pounds when he was placed in the baby box, wrapped in two small towels.

When Jan started asking questions about where he came from around age 2, his parents explained another woman had given birth to him. They showed him the photos taken at the hospital, introduced him to the nurses there and showed him the baby box where he had been left.

Earlier this year, the couple began the procedure to adopt a second child, a boy whose mother gave birth anonymously so she could give him up for adoption.

Astrid said Jan, now 8, loves football, tractors and anything to do with the farming that he sees daily in their rural community. She said it's not so important for her and her husband to know who his biological parents are.

But for Jan, "it would be nice to know that he could meet them if he wanted to," she said. "I want that for him, but there is no possibility to find out who they were."

____

Medical writer Maria Cheng reported from London.

Source: http://news.yahoo.com/europe-mulls-banning-boxes-abandoned-babies-075454911.html

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13 Patents Designed to Build a Better Mustache - Mental Floss

You may have some buddies participating in Movember, an annual event that raises awareness of (and money for) men?s health issues. Let?s take a look at a few weird ?stache-themed patents.

1. Patent US435748, ?Mustache Guard?

Patented in September 1890 by Ruben P. Hollinshead, this guard is an improvement upon other devices designed to ?[suspend] a gentleman?s mustache in order to keep the same up out of the way at the table, thus preventing the annoyance which so frequently is experienced in eating soups and other like foods, and drinking tea, coffee, or other liquids by gentlemen having heavy moustaches.? It looks rather painful.

2. Patent USD381462, ?Mustache Shield?

Inventor Dennis H. Bailey didn?t do too much explaining in his application for this shield. Still, the patent was granted in 1997.

3. Patent US278999, ?Mustache Holder?

This device, patented by J.A. Moore in 1883, was a comb that held a man?s mustache back so it wouldn?t come into contact with food.

4. Patent US213455, ?Mustache Cup and Glass?

Unlike other mustache cups?which keep the mustache out of whatever a man is trying to drink?this one, patented by Albert Schenck in 1879, will make sure the guard that keeps a man?s ?stache at bay won?t also burn the lips, all thanks to the innovative spout.

5. Patent US398925, ?Mustache Trainer?

The idea behind this interesting looking device, patented by Louis Auguste Allard in 1889, was that, by wearing it, a man could train his ?stache to grow in the desired form. Theoretically, he would have done this while in private. Other attempts at mustache trainers were not much better, either.

6. Patent US123839, ?Mustache Holder?

This patent, filed by Eli J.F. Randolph in 1872, proves this whole mustache guard thing was more than just a passing fad.

7. Patent US135141, ?Mustache Spoon?

If your moustache cup isn?t working, why not try this spoon, patented by Ellen B.A. Mitchellson in 1873? It would allow you to bring soup to your mouth without ?soiling or disfiguring? your moustache.

8. Patent US3858589, ?Sideburn and Moustache Shaper?

In name alone, Sideburn and Moustache Shapers don?t sound weird at all. But these devices, patented in the 1970s by Catherine E. Geiger, are pretty odd?more like things you?d trace than use to tweak your facial hair. Hold them up in front of your face, trim the errant hairs, and voila! Nicely shaped sideburns and ?stache!

9. Patent US 3944112, ?Mustache Cup Adaptor?

Who needs a whole cup when you can just snap an adaptor on whatever thing you?re drinking out of? That?s the idea behind this device, patented by George W. Miller in 1976.

10. Patent US2262992, ?Masquerade?

This patent, granted to Franklyn M. Dessart in 1939, was for a mask that could have different features?like a moustache!?applied to it. Looks like fun, eh?

11. Patent US4206913, ?Trick Windmill Novelty?

Blow into one tube of this device, and the windmill turns. Blow into the other, and you get a graphite powder blown onto your face, ?so as to produce the appearance of a moustache, to the amusement of all others observing the person trying to make the windmill work.? Earl A. Howell, Jr., who was granted the patent in 1980, sure was a jokester!

12. Patent US4710145, ?Therapeutic Doll Figure?

Get ready to have nightmares. This creepy looking doll, which was equipped with a tape recorder to play messages, was meant to be therapeutic. It could even be equipped with a velcro moustache to make it resemble someone. The patent was granted to Nancy Hall Vandis in 1987.

13. Patent USD269461, ?Pacifier?

Every baby needs a mustache pacifier! Or at least Robert L. Qually, who was granted the patent for this device in 1983, thinks so. Timothy E. Brennan, who patented a similar pacifier, probably agrees.

11 Tips for Growing the World?s Longest Mustache
*
The Origins of Movember
*
12 Cat-Related Patents That Are Really Quite Bizarre
*
11 NaNoWriMo Books That Have Been Published

Source: http://www.mentalfloss.com/blogs/archives/152937

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Bedard: Is Packers-Giants the new Patriots-Colts?

Green Bay looking for a little revenge Sunday night after last year's playoff loss

By Greg Bedard

NBCSports.com contributor

updated 6:23 p.m. ET Nov. 24, 2012

Greg Bedard

Sunday Night Football is turning into rivalry football.

A week after the Ravens and Steelers battled each other in the AFC North, one of the burgeoning NFC rivalries, Giants-Packers, will have another installment at MetLife Stadium.

With two young, elite quarterbacks in Aaron Rodgers and Eli Manning leading each team, Giants-Packers is looking a lot like the successor to Colts-Patriots, Tom Brady vs. Peyton Manning: two teams in different divisions who find a way to see each other often between the regular and postseason (sixth meeting since 2007 with Packers holding 3-2 edge).

Both Giants' wins against the Packers have come in January (2007 and ?11), in the postseason, as the Giants marched into Lambeau Field, left with a physical victory and went on to win the Super Bowl.

Last year?s 37-20 loss to the Giants ended a dream season for the Packers, who were 15-1 at the time. They lost because their execution was terrible ? giving up a Hail Mary touchdown, dropping four passes, turning the ball over four times and a plethora of missed tackles.

It?s safe to say the Packers (7-3) haven?t forgotten their performance, and the beating the Giants (6-4) put on them. Not that Green Bay will acknowledge that. It is focused on this game, not the past.

?Watching the playoff game, it wasn?t fun, I think that?s obvious,? coach Mike McCarthy said this week. ?But it?s part of our preparation for the week. A lot of the same players played in that game, played in the regular-season game (in 2011). We all understand how the season ended, but we?re focused on 8-3.?

A look at the keys for each team:

Packers
Rodgers can?t hold the ball: Packers quarterback Aaron Rodgers is an exceptional player with smarts, a terrific arm and very quick feet that allow him to keep plays alive or make them on his own. But sometimes Rodgers tries to do too much, tries to keep the play alive too long and that can lead to protection issues. Rodgers has been sacked 32 times this season, which is more than any other NFL quarterback. Some of those are on Rodgers for holding onto the ball too long. While the Giants rank just 13th with 25 sacks, they are capable of dominating a game with ends Jason Pierre-Paul, Osi Umenyiora and Justin Tuck. McCarthy needs to put in a quick-pass game plan, and Rodgers needs to stick to it outside of called shot plays.

Stop the run: The Giants have gotten a bit out of whack lately with their pass-run balance, but they?ll look to establish the run more against the Packers. The Giants need the run to make their passing game, which has struggled of late, really click. The Packers (11th in the league) have done a nice job against the run now that their personnel have settled down. The defensive line of Ryan Pickett, Jerel Worthy and B.J. Raji are very sturdy and have allowed inside linebackers A.J. Hawk and Brad Jones to fill nicely. The Packers want the Giants to stay pass heavy because they?re in a slump and could get some three-and-outs that could get the Packers going.

Do your job: When the Packers have struggled the past few years, it hasn?t been because of what the opponent has done, it?s because the Packers have killed themselves with poor execution. If the Packers execute their blocks, catch the ball and tackle well, they?re a tough matchup for anyone. But they haven?t done that consistently. This also includes kicker Mason Crosby, who has been in a terrible slump. He has to make his kicks early because if he?s an issue, it could change the way the Packers play in Giants' territory for the rest of the game.

Giants
Protect up front: Packers defensive coordinator Dom Capers will probably look to bring pressure against the Giants because his front seven has a tough time winning with standout outside linebacker Clay Matthews out. Capers also knows he can?t let Eli Manning have clean reads, and his line is ripe for the taking. The Giants have had a rough time of late protecting Manning ? they were destroyed by the Bengals. Expect the Packers to throw a ton of overload blitzes at the right side of the Giants? line, where guard Kevin Boothe and David Diehl have been the weak spots. The Giants chip a lot with the running backs out of the backfield, and they might have to think about keeping a tight end in to help with protection. The Packers will be coming.

Get after Rodgers: With excellent right tackle Bryan Bulaga out for the season, the Packers have had to do a line dance with left guard T.J. Lang moving to right tackle, and backup Evan Dietrich-Smith in at left guard. Both compete really hard but are limited in their ability at those spots. Left tackle Marshall Newhouse has had problems on occasion this season, and center Jeff Saturday is not the player he once was. The Giants? defensive line should be able to dominate this game up front against the run and the pass. And that should give the Giants a really good chance of winning the game.

Get physical with the Packers? receivers: The Packers have talented targets for Rodgers in Greg Jennings (questionable after abdominal surgery), Jordy Nelson, James Jones, Randall Cobb and tight end Jermichael Finley. But the book on them is that they don?t like contact and can be thrown off their game if defensive backs are physical with them. It also throws off the timing of the passing offense and causes Rodgers to hold the ball longer. The Giants should try to be physical with the Packers? receivers, but they should be careful with Cobb. The speedy slot receiver is lining up in different spots every week, including running back. He could be a big problem if the Giants don?t get their hands on him. That means everyone ? ends, outside linebackers and defensive backs ? needs to make sure they hit Cobb on his releases. If he runs free, he might go all the way to the end zone.

? 2012 NBC Sports.com? Reprints

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Cutler returns with roar for Bears

??Jay Cutler threw for 188 yards and a touchdown after missing a game because of a concussion, and the Chicago Bears broke it open early in a 28-10 victory over the Minnesota Vikings on Sunday.

Peyton's 2 TDs lead Broncos to 6th straight win

KANSAS CITY, Mo. (AP) - Peyton Manning threw for 285 yards and two touchdowns, and the Denver Broncos rallied to beat the woeful Kansas City Chiefs 17-9 on Sunday for their sixth straight win.

Source: http://nbcsports.msnbc.com/id/49949043/ns/sports-nfl/

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Video: Heroes of tragic Texas crash

>> that horrific thanksgiving day pile-up in texas that involved at least 140 people. two people were killed, at least 100 others injured. two heroes emerged. tom costello had their story.

>> reporter: it took more than nine hours to clear two miles of twisted wreckage on i-10 in east texas . two dead, a husband and wife. their suv crushed by an 18-wheeler.

>> this semi was up in the air, higher than the back of my trailer. it's like he was jumping around. he was in the air, airborne, taking these cars with him.

>> reporter: police credit good samaritans with helping to save lives. katie is a nurse who rushed to help another family as the chain reaction continued.

>> i jumped in the car, sat on a little boy 's lap, closed the door and we all just braced each other until we knew it was done.

>> reporter: damian managed to free nine accident victims.

>> you really couldn't see. i just ran to the nearest car and started yanking people out.

>> reporter: the dense, fast-moving fog described as a death trap . four years ago a deadly mix of fog and brush fire smoke caused a 50-car pile-up on i-4 in florida, killing four. in california, in 2007 , dense fog caused this 100-car pile-up near fresno that killed two. and this is the time of year when fog can move in quickly.

>> you get the longer, cooler nights and that basically allowed the temperature to cool all the way down to where that moisture can condense and produce some pretty thick fog.

>> reporter: fog is notorious for distorting a driver's perception of speed and distance. experts advise to slow way down. don't forget to use your fog lights , not your high beams. and try to pull way over until the fog clears. overall, traffic fatalities continue to decline year round. over thanksgiving, 610 deaths in 2005 to a projected 451 this year, a 26% drop. thanksgiving is the single busiest travel period of the year for families, with 39 million of us driving over these four days, and sunday will be the single busiest day when so many people start heading back home. tom costello, nbc news, washington.

Source: http://video.today.msnbc.msn.com/today/49947398/

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Blue Dart share sale gets covered nearly four times

MUMBAI (Reuters) - Global logistics services provider DHL Express' share sale in India's Blue Dart Express Ltd was covered nearly four times in a $172 million deal, revised stock exchanges data showed on Friday.

The share auction, launched by DHL Express to meet the stock market regulator's directive that bars owners to hold more than 75 percent stake in listed Indian companies, got bids for 5.2 million shares against the 1.4 million on offer, data showed.

DHL Express owned 81.03 percent of Blue Dart at the end of September 30, according to the Bombay Stock Exchange.

The stock exchanges had earlier shown that investors bid for 3.9 million shares at the close of the auction at 3.30 p.m, which was revised later.

The weighted average price of the bids was 1,833.08 rupees a share, at which the deal was worth 9.5 billion rupees, but it was not immediately clear whether DHL Express would accept all the bids.

DHL Express had set a floor price of 1,720 rupees per share.

Shares of Blue Dart, closed 3.39 percent lower at 1989.80 rupees, while the Sensex ended down 0.1 percent.

Citigroup was the sole adviser to the share sale.

(Reporting by Indulal PM; Writing by Sumeet Chatterjee; Editing by Prateek Chatterjee)

Source: http://news.yahoo.com/blue-dart-share-sale-gets-covered-nearly-four-134628674--sector.html

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Shopping and Product Reviews: Christmas Holidays Made Easy

We have all watched the many comical holiday movies that depict their characters rushing around during the holidays to get everything done last minute in a mad and sometimes unsuccessful fury. The Christmas holidays do not have to be a maddening and frantic endeavour filled with stress and fatigue. There are some very easy ways to have yourself a very Merry and relaxing Christmas with just a little planning and organization.

The first step is to set up a budget for gifts, food and decorations and stick to it. Base your budget on what you can afford to spend and avoid racking up those credit cards. After all financial stress can really put a damper on your holiday spirit. If you want to buy that special someone or the family a big ticket item then set up a savings account and save up throughout the year to purchase it outright. There's truly no better feeling than knowing that you can actually afford a wonderful gift for those you care about.

It's a good Idea to make a list of friends and family to buy for and make gift idea notes to help guide you when shopping. Shop as early as possible and avoid waiting until the last two weeks before Christmas for main gift purchases. There's bound to be some small shopping trips for last minute stocking stuffers and food purchases but having the main shopping done before the malls get busy can really lower your stress. The best times to shop are early in the morning or later in the evening and its best to avoid shopping on weekends during December as the malls will be packed and hectic. For those hard to buy for people start looking for gifts throughout the year and research online for helpful gift ideas. Shopping online for gifts if possible, is a great way to reduce holiday shopping stress and get substantial discounts. You can browse for gift ideas in online flyers and you will find that most online products are usually more likely to be in stock. Most online retailers have free shipping if you spend over a certain amount and will deliver right to your door which is very convenient.

Make a list of all the holiday food you will need and purchase it in late November early December so you are organized and do not have to keep running out for forgotten items at the last minute. Buying the ingredients and freezing holiday baking early in December ready for the holidays is the best way to prepare all those family favorite goodies. There are many breakfast recipes online that can be prepared on Christmas Eve, refrigerated and cooked in the oven while opening gifts on Christmas morning. I recommend the breakfast surprise recipes with eggs, bacon, breadcrumbs and cheese as they are easy to make and will be ready in about 1 hour just as everyone is getting hungry after opening gifts.

Wrapping a few gifts a night during the two weeks before Christmas is much easier and less stressful than trying to wrap them all on Christmas Eve. If you decorate do a little bit each day for a week rather than trying to do it all in one day. Put up your Christmas lights early on a dry day even if you don't have them turned on until closer to Christmas. Then you won't have to try and fit it in during the busy holiday season or have to put them up last minute in the cold, rain, or snow. Think about banking time or booking holidays off of work if it's an option for you earlier in October or November so you can ensure you get the time off preferably with pay. Clean your home thoroughly and tidy/ organize things a week or two before Christmas.

Our families special secret weapon for saving a lot of money and being prepared for Christmas well in advance is to purchase Christmas cards, lights and decorations after Christmas at up to 75% off to use for next Christmas and years to come. If you follow these guidelines your holiday season should be substantially less stressful and much more relaxing and family oriented, after all family and friends are what Christmas is all about.

This article was written by Don Farley the administrator of http://www.Pilotplanet.com which is an online aviation apparel store dedicated to creating and selling top quality products for reasonable prices. At Pilotplanet.com you will find superbly designed aviation calendars, cards, mouse pads, mugs, t-shirts, baby clothing, posters, and Pilotplanet.com merchandise. All purchases at Pilotplanet.com come with a 30 day money back guarantee so you can shop with confidence.

To visit our store please click on the link. http://www.cafepress.ca/pilotplanet

Source: http://mysoupbaby.blogspot.com/2012/11/christmas-holidays-made-easy-helpful.html

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Source: http://vulgarize-nonflying.blogspot.com/2012/11/shopping-and-product-reviews-christmas.html

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Small Business Saturday follows Black Friday - WBTV 3 News ...

• Carrousel Parade kicks off Thanksgiving Day in uptown Charlotte

  Carrousel Parade kicks off Thanksgiving Day in uptown Charlotte

  Updated: Thursday, November 22 2012 1:23 PM EST2012-11-22 18:23:37 GMT

  The 65th annual Belk Carolinas' Carrousel Parade is finished now, but you can watch it at 4 p.m. on WBTV.More >>The 65th annual Belk Carolinas' Carrousel Parade is finished now, but you can watch it at 4 p.m. on WBTV.More >>

• Mall and store hours for Thanksgiving and Black Friday

  Mall and store hours for Thanksgiving and Black Friday

  Updated: Thursday, November 24 2011 9:53 PM EST2011-11-25 02:53:24 GMT

  An alphabetical list of when stores in our area are open on Thanksgiving Day and on Black Friday!More >>

• I-485 in north Charlotte back open after deadly crash

  I-485 in north Charlotte back open after deadly crash

  Updated: Thursday, November 22 2012 5:18 PM EST2012-11-22 22:18:36 GMT

  Emergency crews are at the scene of a deadly wreck in north Charlotte.More >>Emergency crews are at the scene of a deadly wreck in north Charlotte.More >>

• Second arrest made in connection to repo man's death

  Second arrest made in connection to repo man's death

  Updated: Wednesday, November 21 2012 11:03 PM EST2012-11-22 04:03:31 GMT

  The Sumter County Sheriff's Office says a man working to repossess a car on Fletcher Drive was shot and killed Tuesday afternoon.According to Sumter County Sheriff Anthony Dennis, the repo man was workingMore >>A second arrest has been made in connection to the death of a repo man who was working to repossess a car when he was shot Tuesday afternoon by an 81-year-old man.More >>

• Overnight: Two shot inside nightclub

  Overnight: Two shot inside nightclub

  Updated: Thursday, November 22 2012 8:22 AM EST2012-11-22 13:22:03 GMT

  Two people were shot inside a club overnight, say Charlotte police. The shots rang out during a disturbance inside the Silver Fox on Statesville Avenue just off I-85. The two people shot will be okay.More >>Two people were shot inside a club overnight, say Charlotte police. The shots rang out during a disturbance inside the Silver Fox on Statesville Avenue just off I-85. The two people shot will be okay.More >>

CHARLOTTE, NC (WBTV) -

You've heard of Black Friday and Cyber Monday, the two biggest shopping days of the year, but have you heard of ?Small Business Saturday'? ?

"A new campaign is underway to encourage consumers to shop at small businesses on Saturday, Nov. 24," said BBB President Tom Bartholomy. "Small businesses have great deals too, but usually do not have the advertising dollars to spend promoting their sales like the major retail chain stores do." ?

Small businesses also are less crowded than bigger stores and may offer specialty items or one-of-a-kind gifts that you can't find in the larger stores.

So, during this weekend's retail shopping frenzy, the BBB encourages you to show your favorite small businesses some love by ?shopping small' on ?Small Business Saturday'.

For more information, please visit BBB or call (704) 927-8617 or toll-free in N.C. and S.C. at 1-877-317-7236.

Copyright 2012 WBTV. All rights reserved.

Source: http://www.wbtv.com/story/20166161/small-business-saturday-follows-black-friday

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