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Saturday, March 31, 2012
Fitch Affirms New Jersey Higher Ed Student Assistance Auth 2010-2 Indenture Revs; Outlook Stable
Fitch Ratings has affirmed the rating on the New Jersey Higher Education Student Assistance Authority (NJHESAA) student loan revenue bonds issued under the 2010-2 master trust indenture. The Rating Outlook is Stable. Fitch's Global Structured Finance Rating Criteria and Private Student Loan Asset-Backed Securities (ABS) Criteria were used to review the transaction. The rating actions are detailed at the end of this press release.
Fitch affirms the ratings on the bonds based on loss coverage multiples which are sufficient to support an 'Asf' rating on the bonds which was calculated using collateral performance data as of Dec. 31, 2011. A Stable Outlook has been maintained based upon Fitch's review of the credit enhancement and cash flows run less than one year ago in July 2011.
A loss coverage multiple was determined by comparing a projected net loss amount to available credit enhancement. Fitch used historical vintage loss data provided by NJHESAA to form a loss timing curve representative of the 2010-2 trust's collateral pool. After giving credit for seasoning of loans in repayment, Fitch applied the trust's current cumulative gross loss level to this loss timing curve to derive the expected gross losses over the projected remaining life. A recovery rate was applied, which was determined to be appropriate based on the latest data provided by the issuer.
Credit enhancement consists of excess spread and overcollateralization. Fitch assumed excess spread to be the lesser of the average historical excess spread (earnings on the assets minus interest payments to bondholders and fees) and the most recent 12-month average excess spread, and applied that same rate over the stressed projection of remaining life.
The collateral supporting NJHESAA's 2010-2 trust's notes consists entirely of private student loans originated and serviced by NJHESAA, which is not rated by Fitch. The private student loans are intended to assist individuals in financing their undergraduate or graduate education beyond what the Federal Family Education Loan Program (FFELP) affords. The private student loan collateral as well as the student loan revenue bonds have a fixed interest rate, so there is no basis risk in this transaction.
Fitch affirms the following Higher Education Student Assistance Authority of the State of New Jersey (NJHESAA), Student Loan Revenue Bonds, 2010-2 Indenture, Series 2010-2 and maintains the Stable Outlook:
--Serial 2012-1 affirmed at 'Asf'; Outlook Stable;
--Serial 2012-2 affirmed at 'Asf'; Outlook Stable;
--Serial 2013-1 affirmed at 'Asf'; Outlook Stable;
--Serial 2013-2 affirmed at 'Asf'; Outlook Stable;
--Serial 2014-1 affirmed at 'Asf'; Outlook Stable;
--Serial 2014-2 affirmed at 'Asf'; Outlook Stable;
--Serial 2015-1 affirmed at 'Asf'; Outlook Stable;
--Serial 2015-2 affirmed at 'Asf'; Outlook Stable;
--Serial 2016-1 affirmed at 'Asf'; Outlook Stable;
--Serial 2016-2 affirmed at 'Asf'; Outlook Stable;
--Serial 2017-1 affirmed at 'Asf'; Outlook Stable;
--Serial 2017-2 affirmed at 'Asf'; Outlook Stable;
--Serial 2018-1 affirmed at 'Asf'; Outlook Stable;
--Serial 2018-2 affirmed at 'Asf'; Outlook Stable;
--Serial 2018-3 affirmed at 'Asf'; Outlook Stable;
--Serial 2019-1 affirmed at 'Asf'; Outlook Stable;
--Serial 2019-2 affirmed at 'Asf'; Outlook Stable;
--Serial 2020-1 affirmed at 'Asf'; Outlook Stable;
--Serial 2020-2 affirmed at 'Asf'; Outlook Stable;
--Serial 2021 affirmed at 'Asf'; Outlook Stable;
--Serial 2022 affirmed at 'Asf'; Outlook Stable;
--Serial 2023 affirmed at 'Asf'; Outlook Stable;
--Serial 2024 affirmed at 'Asf'; Outlook Stable;
--Serial 2025 affirmed at 'Asf'; Outlook Stable;
--Serial 2026 affirmed at 'Asf'; Outlook Stable;
--Serial 2027 affirmed at 'Asf'; Outlook Stable;
--Serial 2028 affirmed at 'Asf'; Outlook Stable;
--Super Sinker 2029 affirmed at 'Asf'; Outlook Stable;
--Serial 2030 affirmed at 'Asf'; Outlook Stable;
--Serial 2036 affirmed at 'Asf'; Outlook Stable.
Fitch affirms the following Higher Education Student Assistance Authority of the State of New Jersey (NJHESAA), Student Loan Revenue Bonds, 2010-2 Indenture, Series 2011-1 and Maintains the Stable Outlook:
--Serial 2012 affirmed at 'Asf'; Outlook Stable;
--Serial 2013 affirmed at 'Asf'; Outlook Stable;
--Serial 2014 affirmed at 'Asf'; Outlook Stable;
--Serial 2014a affirmed at 'Asf'; Outlook Stable;
--Serial 2015 affirmed at 'Asf'; Outlook Stable;
--Serial 2015a affirmed at 'Asf'; Outlook Stable;
--Serial 2016 affirmed at 'Asf'; Outlook Stable;
--Serial 2016a affirmed at 'Asf'; Outlook Stable;
--Serial 2017 affirmed at 'Asf'; Outlook Stable;
--Serial 2017a affirmed at 'Asf'; Outlook Stable;
--Serial 2018 affirmed at 'Asf'; Outlook Stable;
--Serial 2019 affirmed at 'Asf'; Outlook Stable;
--Serial 2019a affirmed at 'Asf'; Outlook Stable;
--Serial 2020 affirmed at 'Asf'; Outlook Stable;
--Serial 2020a affirmed at 'Asf'; Outlook Stable;
--Serial 2021 affirmed at 'Asf'; Outlook Stable;
--Serial 2021a affirmed at 'Asf'; Outlook Stable;
--Serial 2022 affirmed at 'Asf'; Outlook Stable;
--Serial 2023 affirmed at 'Asf'; Outlook Stable;
--Serial 2024 affirmed at 'Asf'; Outlook Stable;
--Serial 2025 affirmed at 'Asf'; Outlook Stable;
--Serial 2026 affirmed at 'Asf'; Outlook Stable;
--Serial 2027 affirmed at 'Asf'; Outlook Stable;
--Term 2027 affirmed at 'Asf'; Outlook Stable;
--Serial 2028 affirmed at 'Asf'; Outlook Stable;
--Serial 2029 affirmed at 'Asf'; Outlook Stable;
--Serial 2033 affirmed at 'Asf'; Outlook Stable.
Additional information is available at 'www.fitchratings.com'. The ratings above were solicited by, or on behalf of, the issuer, and therefore, Fitch has been compensated for the provision of the ratings.
Applicable Criteria and Related Research:
--'U.S. Private Student Loan ABS Criteria', July 19, 2011;
--'Global Structured Finance Rating Criteria', August 4, 2011;
--'Rating Guidelines for Moral Obligations', May 24, 2011.
Applicable Criteria and Related Research:
U.S. Private Student Loan ABS Criteria
http://www.fitchratings.com/creditdesk/reports/report_frame.cfm?rpt_id=667570
Global Structured Finance Rating Criteria
http://www.fitchratings.com/creditdesk/reports/report_frame.cfm?rpt_id=646569
Rating Guidelines for Moral Obligations
http://www.fitchratings.com/creditdesk/reports/report_frame.cfm?rpt_id=633029
ALL FITCH CREDIT RATINGS ARE SUBJECT TO CERTAIN LIMITATIONS AND DISCLAIMERS. PLEASE READ THESE LIMITATIONS AND DISCLAIMERS BY FOLLOWING THIS LINK: HTTP://FITCHRATINGS.COM/UNDERSTANDINGCREDITRATINGS. IN ADDITION, RATING DEFINITIONS AND THE TERMS OF USE OF SUCH RATINGS ARE AVAILABLE ON THE AGENCY'S PUBLIC WEBSITE 'WWW.FITCHRATINGS.COM'. PUBLISHED RATINGS, CRITERIA AND METHODOLOGIES ARE AVAILABLE FROM THIS SITE AT ALL TIMES. FITCH'S CODE OF CONDUCT, CONFIDENTIALITY, CONFLICTS OF INTEREST, AFFILIATE FIREWALL, COMPLIANCE AND OTHER RELEVANT POLICIES AND PROCEDURES ARE ALSO AVAILABLE FROM THE 'CODE OF CONDUCT' SECTION OF THIS SITE.
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Robbie Williams and Ayda Field: Expecting!
British pop star Robbie Williams has been holding a secret, and he just can't keep it any longer: He and wife Ayda Field are expecting their first child!
We'll let the singer express his excitement over the news via a blog entry he posted this morning...
"Me and Ayda are going to be mummy and daddy this year … !!!!!!!!!!!!!!!!!!!!!!!!!!! We had sex! It works!” Williams wrote on his website. “We’ve seen scans and cried … looked at babies in commercials and teared up … the nursery is already planned. Basically I’m in love with a little person growing in mummy’s belly."
The couple got married in 2010 and Robbie says he "can’t wait to be a daddy.”
We wish this growing family nothing but the best!
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Flare goes out on North Sea platform hit by gas leak
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Small Business Marketing Consulting ? Cray Marketing ...
Our small business marketing consulting services at craymark.com will help you GROW YOUR BUSINESS NOW. The goal of all businesses is to grow, yet we know that not all experience the growth they hope for. To grow every company needs more leads, more prospects, more customers, and more repeat business. We will help you implement the world reknown Duct Tape Marketing system in your business. This is the very same system utilized by thousands of fast growing businesses around the world. Visit our small business marketing consulting website at http or contact Cray Marketing at (732) 951-2299.
Related posts:
Source: http://office-phone-systems.info/?p=10975
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Friday, March 30, 2012
Web camera Computer software Chooser
[unable to retrieve full-text content]Considering the daily change in the computer software technology, the computer computer programmers have made countless adjustments in the way in which they employ their webcam software. It is from this kind of ...
Source: http://www.short-articles.net/web-camera-computer-software-chooser/
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Boehner feels heat as transport funding deadline looms
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Source: http://news.yahoo.com/boehner-feels-heat-transport-funding-deadline-looms-235101863.html
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Deciding The Name Of Your Home Based Business | My Second ...
As soon as you decide to go into business, one of your immediate act would be to think of an appropriate name for your business. The question is what would be the best? What is the most recognizable word that customers will easily remember? Thinking too hard tends to block the mind, so take it easy and before you know it you have a title that will be most appropriate for your home based business. Every so often, we fail to notice what is evident due to too much thinking on so many things.
In selecting a name for your home based business, you should first write down the nature of the business. You will be selling what items? A product, service or something else? Make the title a little different and distinct from others. If the business is a sole proprietorship, your name may appear in the business name. To illustrate, if Jane is selling pet bed designs and similar products, the name of her business may be ?Jane?s Pampered Pets.? The title, whatever it is, should be representative of your products or services. The name of your business should read and sound delightful so give it a some humor. Should people feel good about your business name, they will be more interested to know what could be of further interest to them in your business.
When deciding the name of your home based business, you should first verify with the state?s business office that your title cannot be confused with other business entities. If you do not want any trademark infringement troubles at the beginning of your new business endeavor, do a thorough job of examining other business names. Furthermore, your business is original. It is a matter of your service or product and you, so it is natural that it should similarly be distinctive.
At the end of the day, be confident that you have selected a name for your home based business that you will be glad to put in your business cards and in promotions locally and nationally. People will focus first on the name of your business.
Only after they have known of your name will they make contact by phone of through your website, or place an order. Please them and they will undoubtedly do business with you.
Grab your Papa Johns coupons and take advantage of the latest deals. We keep you updated with the Red lobster coupons you?re looking for.
Source: http://mysecondsalary.com/2012/03/30/deciding-the-name-of-your-home-based-business/
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Thursday, March 29, 2012
Jason Hoppy Moves Out
A few days ago I reported that Bethenny Frankel and Jason Hoppy’s marriage was on the rocks. Well, now new reports are out claiming that Jason has moved out of their $5 million Tribeca apartment. Jason has traded his newly renovated apartment for a hotel nearby because Bethenny’s “energy has been nervous and neurotic. He can?t take it anymore, so he?s been doing everything on his own.? Jason is telling friends that he moved due to renovations, but why would mom and baby stay behind while daddy leaves? that is a typical break up move. Bethenny isn’t letting on if they have split, tweeting about their 2nd wedding anniversary. Bethenny is the first one to admit that she struggles with relationships, so I am not a bit surprised. I do hope they can work it out. Seriously after watching their reality show, it is not ALL Bethenny. Sure she can be difficult, she is a woman, we all are;) but Jason is a big baby. He is so attached to his parents and so quick to judge Bethenny, who could deal with that? Meanwhile it seems Bethenny’s Bravo reality series is taking a back burner while her new talk show [...]
Source: http://feedproxy.google.com/~r/RightCelebrity/~3/MSTQKwANBRQ/
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Evernote for Android pumps up speech-to-text with new update
Evernote for Android has received a big new update that focuses on adding a new feature to some devices: speech-to-text.
Already, the note-taking app included the capability to record audio notes and save them to its cloud drive, just like users can save other things, such as photos and text. Recording has always been pretty simple: tap the record button and go to work. The trouble is, those audio notes had to be flagged with titles in order to make them easy to find. It wasn?t the most reliable way for users to remember what they might have said, especially in protracted audio notes. Finding out what a note might cover could often mean listening to the entire thing just to discover the particular bit of audio you were looking for wasn?t there.
The new speech-to-text feature allows users to give dictation, but probably more useful than that, it attaches the original audio of any note to the text generated, effectively making something of a transcription of the note as the note?s being made. That means that searching for the content of an audio note just got a lot easier.
We fired up Evernote?s update on a Samsung Galaxy Tab 10.1, which supports the speech-to-text feature, to test it out. Evernote makes use of Google?s Android speech-to-text software, which requires a solid Internet connection to source the words from the Internet, and as such, it can be spotty. We found that, using a decently strong Wi-Fi connection one room over from the router, that Evernote could be both dead-on with its speech to text dictation, and really rather wrong. It helps to speak slowly and clearly, obviously, but the technology has a tendency to jump words and rewrite sentences based on what it thinks you said.
But then, Evernote isn?t for dictating long emails or big word processing documents, it?s for taking notes. So while trying to use the speech-to-text function might not be super-accurate and isn?t going to replace actual typing anytime soon, there?s a lot of usefulness in the new update for users who want to make their notes searchable. Making sure to hit a few keywords clearly as you dictate the note ? the text appears on the screen so you can see it as the app is creating it ? means your audio notes are suddenly much easier to find when you go back to them later. For that purpose, Evernote?s speech to text update is great.
Right now, it?s important to note that the speech-to-text feature isn?t supported by all devices. Evernote says that if you happen to be lucky enough to have Android 4.0 Ice Cream Sandwich for your device, then you?re covered; other than that, there are some other devices that can handle the feature, but not all of them. Obviously the Galaxy Tab 10.1 is among them, but for many users, you?ll have to update the app to see if the new icon, a microphone in a word balloon, is available in the app.
Evernote has more information on how speech-to-text works on its blog.
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Wednesday, March 28, 2012
BPW Career Center: Real Estate/Property Management jobs ...
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Huntsville AL
www.pinnaclerealty.com "); febox .html('') .addClass('featured-employer-box') .appendTo($('body')) .css({ "height":fWin.height() - 50, "width":980 }) .overlay({ top: 20, closeOnClick:true, load: false }); feframe = $('#featured-employer-frame'); }); $('body').delegate('.fe-popup','click',function(e) { var el = $(this); feframe.contents().find('body').html(""); feframe.attr('src',el.data('url')); febox.overlay().load(); }); })(jQuery);Source: http://careers.bpwusa.org/jobs/4715509/military-leasing-consultant
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StartUp Health Launches First Class Of Healthcare Transformers [TCTV]
It was only a few days ago that we brought in co-founders Unity Stoakes and Steven Krein to discuss their new startup Academy, StartUp Health. It's an entirely free, long-term program that is aiming to equip developers, designers, medical professionals and entrepreneurs with the skills and resources necessary to transform the healthcare industry. Hearing this, and knowing that the medical industry more so than most is in dire need of some innovation, we simply couldn't resist checking out the inaugural class launch, where ten new healthcare startups met up to build out their companies and change the way we take care of ourselves.Source: http://feedproxy.google.com/~r/Techcrunch/~3/Mwx8P_nWs64/
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Sunday, March 25, 2012
Syria troops bomb towns, EU grounds First Lady
Syrian forces bombed towns and clashed with rebels in several regions as activists said thousands staged anti-regime protests and the European Union slapped sanctions on the country's first lady.
In Geneva on Friday, the UN Human Rights Council ordered a probe into violations in Syria to be extended, asking investigators to map out abuses since a deadly crackdown on protests in the country erupted in March 2011.
UN-Arab League envoy Kofi Annan was to travel this weekend to Moscow and Beijing, the two countries that have blocked Security Council action against Syria over the crackdown.
But he had no immediate plans to return to Damascus.
Adding to pressure on the regime, the EU on Friday agreed to sanction President Bashar al-Assad's glamorous British-born wife Asma, along with his mother, sister and sister-in-law.
Diplomats in Brussels said EU foreign ministers had agreed an assets freeze and travel ban on the four women and eight other members of Assad's entourage.
Asma Assad, whose parents live in Britain where she grew up, cannot be barred entry to the country, British Foreign Secretary William Hague said.
"But given that we are imposing an asset freeze on all of these individuals and a travel ban on other members of the same family and the regime, we are not expecting Mrs. Assad to try to travel to the United Kingdom at the moment."
Assad himself was targeted last May 10, along with his younger brother Maher and four cousins.
Washington welcomed the EU's decision.
"We are gratified that the EU has taken yet another step in tightening the noose on the Assad regime," US State Department spokeswoman Victoria Nuland said.
US Homeland Security Secretary Janet Napolitano announced that Syrians in the United States would be allowed to stay beyond their visas and avoid the risk of returning to their violence-torn country.
"Conditions in Syria have worsened to the point where Syrian nationals already in the United States would face serious threats to their personal safety if they were to return to their home country," Napolitano said.
Hundreds of thousands of demonstrators turned out Friday in the hot spots of anti-regime revolt across Syria, the Syrian Observatory for Human Rights said.
At least 33 people were killed in violence nationwide, the Britain-based group said: 17 civilians, 13 soldiers and three army deserters.
Nine civilians died in districts in Homs hit by gunfire and rockets, it reported.
At least three deserters and a civilians were reported killed in fighting between regime forces and army deserters in Aazaz in the northern province of Aleppo near the Turkish border, the Observatory and activists said.
"Troops are bombing and helicopters flying overhead," activist Mohammed Halabi told AFP in Beirut by telephone from the province. The fighting had been going on since midday Thursday, he said.
Aazaz, strategically positioned on the road to neighbouring Turkey, is a supply route for Free Syrian Army rebels.
Fierce clashes also erupted mid-afternoon between soldiers and deserters in the villages of Haritan and Anadan, between Aleppo and Aazaz, Halabi said. The Observatory said two civilians were killed in Anadan.
Troops shelled the two villages after deserters attacked a convoy of tanks headed for Aazaz, the activist said.
The state news agency SANA reported "several terrorists" killed in the Sermin region of Idlib and said a bomb under a bridge had killed an army engineer in the Aleppo region.
Videos posted online by activists showed protests in the southern province of Daraa, birthplace of the revolt that monitors say has cost more than 9,100 lives.
UN human rights expert Yakin Erturk, meanwhile, told reporters in New York Friday that at least four Syrian brigadier generals had defected in recent weeks.
In diplomatic efforts to halt the bloodshed, the Security Council on Wednesday adopted a statement urging Assad and his foes to implement "fully and immediately" Annan's peace plan.
The initiative calls for Assad to pull troops and heavy weapons out of protest hubs, a daily two-hour humanitarian ceasefire, access to all areas affected by the fighting and a UN-supervised halt to all clashes.
Annan's spokesman said a team of technical experts had returned to Geneva after "three days of intensive talks with Syrian authorities on urgent steps to implement" the plan.
On Friday, Russian President Dmitry Medvedev warned against any attempt to circumvent UN authority.
"There's a need to eliminate any loopholes allowing (nations) to act in circumvention of the authority of the Security Council and use force without its approval," Medvedev told a European security conference in Moscow.
The Security Council still awaited a formal Syrian response on Wednesday's statement, but government daily Tishrin welcomed it.
Riyadh, Doha, Ankara "and other capitals which are enemies of Syria, and which wanted a military intervention... suffered a defeat on the international stage," it said.
The opposition Syrian National Council poured scorn on the UN statement, saying it would give the regime more time to continue killing its own people.
Source: http://news.yahoo.com/syria-troops-bomb-towns-eu-grounds-first-lady-025522948.html
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Why College Students Do Not Understand Their Loans
[ [ [['Witnesses said the gunman pulled up on a black scooter', 7]], 'http://yhoo.it/GzwOIW', '[Related: New York police tighten security at Jewish sites]', ' ', '630', ' ', ' ', ], [ [['test Zimmerman for alcohol or drugs', 11]], 'http://yhoo.it/Gzn6VF', '[Related: White House says Trayvon Martin is local issue]', ' ', '630', ' ', ' ', ], [ [['associated with such a small earthquake', 4]], 'http://yhoo.it/GTco9z', 'Click image to see more photos', 'http://l.yimg.com/a/p/us/news/editorial/0/b4/0b493c1a47b6e3f97f8f48a2b251d7d4.jpeg', '630', ' ', 'AP Photo/Carrie Antlfinger', ], [ [['Fox News host Geraldo Rivera sparked outrage', 3]], 'http://yhoo.it/GKMVTk', 'Click image to see more photos', 'http://l.yimg.com/a/p/us/news/editorial/2/7c/27c7367bc512d233ae1790b320a5e92c.jpeg', '630', ' ', 'AP Photo/John Minchillo', ], [ [['The charges signed against Bales include', 1]], 'http://yhoo.it/wZT5zV', 'Click image to see more photos', 'http://l.yimg.com/a/p/us/news/editorial/7/a0/7a07c51b2aa0f39b1a23355046d13870.jpeg', '512', ' ', 'AP Photo/DVIDS\, Spc\. Ryan Hallock\, File', ], [ [['George Zimmerman, if I had a son', 6]], 'http://news.yahoo.com/photos/thousands-protest-fla-teen-death-1332387124-slideshow/', 'Click image to see more photos', 'http://l.yimg.com/os/152/2012/03/22/d761a49f3fcc99080a0f6a70670053cd-jpg_150905.jpg', '500', ' ', 'AP Photo/John Minchillo', ], [ [['Mohamed Merah', 10], ['prosecutor Francois Molins', 5]], 'http://news.yahoo.com/photos/four-dead-in-french-jewish-school-shooting-1332173151-slideshow', 'Click image to see more photos', 'http://l.yimg.com/cv/ip/ap/default/120321/2012_03_21t151508z_425380421_gm1e83l1sqs01_rtrmadp_3_france_shootings_raid.jpg', '630', ' ', 'REUTERS/Jean-Paul Pelissier', ], [ [['Shortly after he wrapped up his victory remarks', 2]], 'http://news.yahoo.com/photos/4-straight-romney-wins-washington-gop-caucus-1330835515-slideshow/', 'Click image to see more photos', 'http://l.yimg.com/a/p/us/news/editorial/3/e9/3e9b0082c3c3111dcc19e3527ae94cc7.jpeg', '500', ' ', 'AP Photo/Steven Senne', ], [ [['best understands the problems of average Americans', 2]], 'http://news.yahoo.com/photos/4-straight-romney-wins-washington-gop-caucus-1330835515-slideshow/', 'Click image to see more photos', 'http://l.yimg.com/a/p/us/news/editorial/3/e9/3e9b0082c3c3111dcc19e3527ae94cc7.jpeg', '500', ' ', 'AP Photo/Steven Senne', ], [ [['Group for Historic Aircraft Recovery', 7]], 'http://yhoo.it/GB2RVy', 'Click image to see more photos', 'http://l.yimg.com/os/152/2012/03/20/photo-1332257995646-4-0-jpg_171722.jpg', '630', ' ', 'AFP', ], [ [['xxxxxxxxxxxx', 11]], 'http://news.yahoo.com/photos/russian-grannies-win-bid-to-sing-at-eurovision-1331223625-slideshow/', 'Click image to see more photos', 'http://l.yimg.com/a/p/us/news/editorial/1/56/156d92f2760dcd3e75bcd649a8b85fcf.jpeg', '500', ' ', 'AP', ] ]
[ [ [['point of my campaign is that big ideas matter', 9]], '28712293', '0' ], [ [['As the standoff dragged into a second day', 7]], '28687424', '0' ], [ [['French police stepped up the search', 17]], '28667224', '0' ], [ [['Seeking to elevate his candidacy back to a general', 8]], '28660934', '0' ], [ [['The tragic story of Trayvon Martin', 4]], '28647343', '0' ], [ [['Karzai will get a chance soon to express', 8]], '28630306', '0' ], [ [['powerful storms stretching', 8]], '28493546', '0' ], [ [['basic norm that death is private', 6]], '28413590', '0' ], [ [['songwriter also saw a surge in sales for her debut album', 6]], '28413590', '1', 'Watch music videos from Whitney Houston ', 'on Yahoo! Music', 'http://music.yahoo.com' ], [ [['keyword', 99999999999999999999999]], 'videoID', '1', 'overwrite-pre-description', 'overwrite-link-string', 'overwrite-link-url' ] ]
Source: http://news.yahoo.com/why-college-students-not-understand-loans-210000614.html
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Saturday, March 24, 2012
Travel smart to Geneva with Important Travel Tips
Switzerland, truly a paradise on earth! Breathtakingly beautiful, scenic attractions, serene countryside, wineries, chapels, and many more attractions enthrall visitors coming to Geneva, one of the cities in Switzerland. Remarkable tourist facilities available here is another factor that makes this destination preferable. Besides picturesque locations, vibrant nightlife also makes the place happening. The destination has also gained recognition on the global front due to the UN international cooperation center with New York, its diplomacy and renowned Geneva Convention. Although the place is famous as a tourist destination, it has also gained immense repute being one of the eight most respected financial centers in the world. Visitors are awe struck to see the nature's bounty spread all around the city. These days, several flights to Geneva are available by leading carriers.
Travel experts recommend keeping certain travel tips in mind before traveling to Geneva.
These tips will help visitors to enjoy their vacation in a much better way. Though, any time of the year is suitable to travel to this magnificent destination, summer months i.e. July and August are considered to be the best time to travel to this chic and graceful Swiss city. Since less crowds flock to the city during spring and autumn seasons, many visitors find this time to be suitable for their travel. During this time, they can also get inexpensive flight tickets to reach here.During peak season, that is, during the summer months, it is difficult to get accommodation at the last moment. Hence, it is advisable to reserve a room well in advance and avoid any disappointment later. Just like cheap ticket airline, budget accommodation is also available. Visitors traveling on a tight budget can book room in such accommodations.
The natural splendor of the city is globally renowned. Surrounded by Lake Geneva, the view of majestic Jura and Alps mountains adds serenity and calmness to the place. If one wishes to explore them, it is better taking help of a local tourist guide. Also, the city is not too vast hence can be explored easily. To visit countryside, renting a car would be a perfect idea. It will help visitors to see the area as per their convenience. They can stop midway to appreciate the beauty of nature and enjoy the place immensely.
Take guidance from tour operators to know more about the place. They can visit the old town and see old mansions all around. The natives of the city have a unique fondness for flowers and one can see a riot of color in their homes.
To understand the history associated with the Gothic Cathedral of Notre-Dame, the Olympic Museum, the Lausanne Vivarium and the Mus?e de l'Elys?e, assistance from a tourist guide should be taken. To explore all these unique architectural splendor, one should immediately book seat on any of the cheap flights to Geneva and reach here.
Honeymooners find this place simply amazing and they can buy cheap tickets to Geneva to reach here and enjoy quality time with their spouse.
Source: http://travel.ezinemark.com/travel-smart-to-geneva-with-important-travel-tips-18e08c1f51e.html
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Eric Prindle wins Bellator tournament title without a fight
Eric Prindle won Bellator's heavyweight tournament, which includes a $100,000 prize and a shot at Bellator heavyweight champion Cole Konrad. Prindle did this without having to step in the cage for a rematch of his final with Thiago Santos.
How did this happen? In the latest of weird bumps in the road between the two competitors, Santos missed weight by 12 lbs. With Santos so far over the heavyweight limit of 265 lbs, the fight was called off, and Prindle was declared the winner of the tournament.
Last week, their fight was delayed after Prindle came down with the flu. In November, they met in the cage for their first attempt at a final. That bout was declared a no contest when Santos threw an illegal kick to Prindle's groin.
Prindle got to the final with a decision win over Abe Wagner and a 40-second knockout of Ron Sparks. He will now face Konrad at a later date to challenge for the Bellator heavyweight belt.
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Perfect Technique Of Doing With Financial Debt
Many banks and in addition financial institutions supply loans that will help you to pay out all your further debts. This type of loans are classified as debt consolidation. Usually such debt is going to be at a decreased interest rate if the collateral is presented, for instance a house or perhaps a car. These kinds of reduce the risk to the loan provider as there is available an agreement involving the borrower as well as the lender that in case the client will not be able to cover the amount in a certain number of weeks, the lender may have the right to foreclose the house.
This can be somewhat convenient to someone who has to pay 5 or so numerous loans and in addition credit card bills. As opposed to having to monitor every expenses, you can pay back everything and focus on one particular loan. This can be rather useful should you your mathematics. Be mindful simply because comfort does not equal financial savings and you might find yourself paying a greater interest rate than just before.
Regardless of the ease it provides and also the lower rate of interest it could use, debt consolidation retains its hazards. Remember that debt consolidation is all your own additional credit card debt rolled in to 1, additionally attention. That serves to end up spending one large lump sum having a given time. Make sure to that you have the ability of paying this amount. And even paid on time, this may dominoe and you would have to pay a lot more than double the the following month.
As with any various other loan, you need to check if it has virtually any invisible charges. Learn how to compute for the monthly amortization and do not hesitate to constantly inquire the credit official for queries about how you can calculate this. It?s correct even though it is in theory their money you are borrowing. Always be vigilant inside questioning for any tell-tale fees they may be charging because extra.
Like many products as well as services out in the market, additionally it is smart to check out the competition. Hunt for an additional lender that provides lower rates of interest. A good thing to check out relating to is a enter between payments. Some finance institutions offer a repayment break from a specific amount of months to provide ample moment for the borrower to generate more money for some additional payments. Some other banks wait the start of settlement to around 2 to 3 months pursuing the amount ended up loaned. For the way you use this kind of, debt consolidation loans can be your companion or your biggest foe. Remember that money is just a tool you need to control as opposed to the other approach around. Utilize money with regard to important purposes to be away from bad debts. Funds comes out just a few time never to produce money owed but to assist you financially. Do not make life difficult because of debts problems.
Source: http://www.debt-consolidation-link.com/perfect-technique-of-doing-with-financial-debt/
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Friday, March 23, 2012
Auto Repair Education, School | Shac Online
It ?? understood, FAW, Toyota, Volkswagen ?nd ?th?r brands ?r? ?n varying degrees t? try th?? model, w?th a high school level vocational education schools, ?? responsible f?r th? teaching ??rt ?f th? hardware ?nd th? maintenance ?f professional ?nd experienced lecturers Th? school ?? responsible f?r student ?nd teaching space. N?t ?nl? reduces th? cost ?f training personnel manufacturers m?k? th??r quality ?f teaching h?? b??n protected, wh?l? graduate students ?l?? h??? more access t? w?ll-kn?wn brands, improve th? employment rate, ??n b? ???d t? serve three purposes.
W?th th? surge ?n car ownership, business service capabilities become ?m??rt?nt weight ?n th? market competition. F?r consumers, th? ?h???? ?? n? longer ???t a time wh?n car brand value product quality. Factory service quality, 4S shop Of maintenance service quality h?? become ?n increasingly ?m??rt?nt influence consumer choices tend t? weight. Th?? time Auto Repair Professional Talent Exposed th? lack ?f status quo, th?.
Al?? ?t th?? time, realized th?t th? major brands, introduction ?f advanced technology, advanced management mode ??n ?l?? b? introduced, b?t people ??n ?nl? rely ?n advanced local culture.
Therefore, professional auto repair personnel b? th? State vocational education more ?nd more attention. H?w???r, th? current status ?f vocational education ?n schools ?? th? quality ?f automotive mixed, especially wh?n many small-scale private vocational education schools lack formal teaching equipment, advanced management ?d??? ?nd education models. Th?r? ?r? many automotive technician ?l?? d?d n?t received formal vocational training, ?nl? relying ?n master hands-?n teaching. S?, a wh?l? although th? domestic automotive vocational education t? d? th? ?booming?, b?t th? real experience, knowledge ?nd ability ?f professional automotive personnel still hot, a variety ?f outlets, repair station technicians vary n?t widespread L?t th? chaos situation. It ?? understood th?t ?n th? automotive subjects dealt w?th customer complaints, b?????? th? auto repair personnel technological level ?f complaints accounted f?r more th?n half.
Responsible f?r a large auto repair shop t?ld reporters th?t th? car ?? now electrified, increasingly high degree ?f automation, th? requirements ?f th? mechanic skills ?r? higher. In addition t? automotive expertise w?th solid theory, w? m??t ?l?? master a variety ?f vehicle performance characteristics, ?nd ??n skillfully ??? th? computer analysis ?nd information through th? Internet Vehicle Maintenance Information.
Today, Terminal Services capabilities h??? become ?n ?m??rt?nt issue f?r ?ll car manufacturers, many manufacturers h??? ?l?? launched a service dealership training, b?t training emphasis, intensity, mode, ?nd even th? contents vary, th? result ?? n?t 1, th?? d?ff?r?n?? ?? essentially a service level constraint ?? far fr?m different manufacturers, one ?f th? ?m??rt?nt factors. M??t manufacturers ?r? concerned ?b??t th??r current situation ?? a lot ?f time ?nd effort spent training th? brain drain out, w??ld n?t spend t?? much ?n training ?nd education, wh?l? less th?n th? level ?f th? young technicians, n?t stability, mobility, training a technician wh? already d? n?t l?k? a low-cost . It ?? ?l?? restricting automobile market terminal Developing One ?f th? factors ?nd brand development.
Currently practiced b? a number ?f factories, ?schools ?nd enterprises Cooperation ?Model, h?? ?? n?t a g??d way t? deal w?th th? status quo.
It ?? understood th? FAW, Toyota , Th? public ?nd ?th?r famous brands ?n different degrees t? try th?? model, w?th a high school level vocational education schools, ?? responsible f?r th? teaching ??rt ?f th? hardware ?nd th? maintenance ?f professional ?nd experienced lecturers fr?m th? schools f?r student ?nd teaching space. N?t ?nl? reduces th? cost ?f training personnel manufacturers m?k? th??r quality ?f teaching h?? b??n protected, wh?l? graduate students ?l?? h??? more access t? w?ll-kn?wn brands, improve th? employment rate, ??n b? ???d t? serve three purposes.
School-enterprise cooperation models ?l?? allow technical school graduates ?nd society ?zero? distance, b?t ?l?? t? enable students t? learn real things ?n a short time. Cooperation between schools ?nd enterprises, through targeted learning, targeted f?r enterprise training staff ?nd students ?n th? learning process ??n ?l?? b? visits t? enterprises, t? understand th? needs ?f enterprises, th?? ???r???h ?? more direct, more convenient way ?f th?? order form Explore Auto Repair skilled personnel f?r training ?nd employment model provides a g??d reference.
Believe th?t w?th th? Automobile market Continues t? develop, manufacturers continue t? attach importance t? th? Terminal Services capability, th?? model ?f school-enterprise cooperation w?ll b? more applications ?n th? automotive vocational education personnel.
Related Post
Source: http://shaconline.org/auto-repair-education-school.html
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Proven Tactics For Generating Leads And Traffic With Facebook ...
One thing that is frustrating for beginners is sometimes reading about IM, but the person who wrote it thinks the audience has a knowledge base already created. Vampire Diaries season 3 episode 17- can be intimidating for a lot of people if they have never done it in their business, and it cannot be learned quickly and executed with authority.
There are beginners and basically advanced techniques with online business, and it is not that even the advanced are hard; you just need to know about them.
Just remember that as you go forth because we guarantee you will see what we are talking about. If you like learning and discovering, then you can find a nice home in IM because those two aspects are a natural part of it.
The thing about not knowing is you do not know that your knowledge is incomplete, and so doing something like networking or joining a mastermind group can be extremely helpful.
No matter what new marketing strategies may come along, email marketing will remain one of the best ways to promote your business. This is because it?s a type of marketing where you have people?s explicit permission to contact them. Your subscribers have declared that you are worth their time and worth listening to. As long as you don?t disappoint them, there?s a lot of potential here. This creates certain challenges for the email marketer who wants to grow their list and keep subscribers on it. You have to discover the right formula for keeping your subscribers loyal and also making some profit from your list.
The first thing to learn about our spam filters, specifically what they are looking for when you send your e-mails. The simple version is they score words and phrases in your e-mails. Once they have sifted through your e-mail, they compile a score, which will determine whether or not it is spam. You want to become aware of these words. You can quickly find them in Google if you want to. After you know what these keywords are, you?ll improve your ability to deliver e-mails when they are not in the e-mails themselves. Today, hundreds of words have been compiled that will trigger spam filters and keep your e-mails from being delivered. We will now discuss split testing, a technique that uses your list after it has been divided into several more. By doing this, you can change subject lines, the body of the e-mail and other variables to see which one performs better. Only one thing should be different on the two e-mails, allowing you to see which component converted the best. Split testing, or A/B split testing as it is usually referred to, helps you determine conversion rates. An example of this would be changing the subject line only. Split testing is often done with squeeze pages to find out which ones convert better. You can test headlines for the squeeze page and see which one converts better. Just do it until no further progress is actually made.
Do you send HTML e-mails? If so, there are some special considerations that you have to make when doing this. When you include images and graphics with your e-mails, you are doing something that could benefit you in many ways. Generally speaking, adding too many graphics in an e-mail can backfire on you. All your work will be for not if the spam filter catches your e-mail. This may be why nobody is responding to the e-mails you are sending, or why the open rates will be down ? it?s because the e-mails never make it to the inbox. There are interesting attributes we all have because we are human, and this relates very strongly to suspending initial impressions if they seem negative until you have a complete picture. You should have that perspective all the time no matter how good or bad you feel about it. A great many people are far too cynical and skeptical about online marketing methods and maybe even Secret Circle Season 1 Episode 17 and Jersey Shore Online Season 5 Episode 12 ? we do not know. Yet, as individuals, we do have our preferences even if they can be based on what is not ideal, etc.
In fact, it is those who skip over their homework who are at most risk and for obvious reasons. There really are a lot of people, we assume based on what we have read, who just blindly buy things they think will work great and maybe never even try them. We generally read horror stories from people who have not been online and in business for long. What can also muddle the whole picture are those who had bad results using solid methods, and then those people can malign the method as being bad. One thing that will happen on its own is that if you stay in this long enough, then you will have to do these things just to survive. It may help you to know that email marketing is one of the most fluid and dynamic aspects of online marketing. You have to follow certain rules, but this still gives you plenty of flexibility. You don?t always have to stick with the familiar methods. Find out what your particular subscribers want and think of ways to supply it. There is variety with what works, and everything has not been discovered, either.
We have only provided an introduction along with several solid applications utilizing the principles of Office season 8 episode 20. Your overall frame of mind and perspective you bring to your internet business will play a major role. Those who do not have a success-oriented set of attitudes will very often have a hard time with making the right things happen in their business. You will find many people whose performance reflects their attitudes such as high performance businesses who achieve a great deal to those who do enough to get by. If your business history is not impressive, then make the decision to do something about it and start investigating how to improve your beliefs. It is our belief that we create our conditions after a certain point in life, and we can learn to make more informed decisions.
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Wednesday, March 21, 2012
The Muppets get their star on Walk of Fame
Fred Prouser / Reuters
Muppet Sweetums holds a commemorative plaque as he lies beside the newly unveiled Muppets star as other Muppets -- Animal, Pepe, Miss Piggy, Fozzie, Gonzo, Kermit and Walter -- look on.
By Natalie Finn, E! Online
Our only question is: What took so long?!
Accomplished film and TV stars the Muppets received the 2,466th star on the Hollywood Walk of Fame -- or "Wocka Wocka Fame," if you will -- today in front of the kid-friendly El Capitan Theatre.
"We are just really happy to be on Hollywood Boulevard today, joining some of the greatest names in show biz," Kermit the Frog, who actually already has an individual star, told the assembled crowd.
So, who are some of Miss Piggy's favorite icons?
More from E: Angelina Jolie takes the kids to see The Muppets!
"Joan Crawford, Bette Davis, Norma Desmond ..." recalled Miss Piggy.
"Norma Desmond is a fictional star," Kermit corrected her, to which she retorted, "Aren't they all?"
Speaking of which, the Muppets -- TV staples since the mid-1950s and regulars on Sesame Street since its 1969 debut -- are not the first fictional (and yet somehow very real) characters to be enshrined on the Walk of Fame. They join Big Bird, Bugs Bunny, Donald Duck, Godzilla, Mickey Mouse, the Rugrats, Shrek, the Simpsons, Snow White, Tinker Bell, Winnie-the-Pooh and Woody Woodpecker.
"Is it time now for moi to do my medley of every song ever written from every great movie musical ever made?" Miss Piggy, ever the scene-hogger, then asked.
"We'll see if we can get to that later in the show," Kermit offered.
Joining Kermit and Missy Piggy for today's induction ceremony were Fozzie, Gonzo, Animal, Pepe the King Prawn and Walter, the newest addition to the group. Representing for the humans were Lisa Henson, eldest daughter of Muppet creator Jim Henson, whose star is located nearby, and Walt Disney Studios chairman Rich Ross.
Of course, the day wouldn't have been complete without a project to promote. The felt-tastic entertainers' smash-hit comeback, "The Muppets," is now out on Blu-ray and DVD.
E gallery: Stars get their stars!
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Tuesday, March 20, 2012
Structured Settlement | Imperial Holdings Inc. Announces Delay In ...
March 20, 2012 ? 2:43 am
BOCA RATON, Fla.?(BUSINESS WIRE)?
Imperial Holdings, Inc. (NYSE: IFT ? News ) (?Imperial?), a specialty finance company with a focus on providing liquidity solutions on individual life insurance policies and purchasing structured settlement payments, today announced that it has filed a Form 12b-25 Notification of Late Filing with the Securities and Exchange Commission (SEC) with regard to its Annual Report on Form 10-K for the year ended December 31, 2011.
The Company is unable to file its Form 10-K on a timely basis and cannot, at this time, predict when it will be in a position to file the Form 10-K. According to the notification filed with the SEC, the Company expects that it will be unable to complete financial statements for the year ended December 31, 2011 until the Company is able to establish the fair value of premium finance loans on its balance sheet and of certain life insurance policies in the Company?s portfolio that have a nexus to the Company?s premium finance unit, and resolve other related issues as part of the previously disclosed ongoing internal investigation. The Company urges investors to review additional details disclosed in its 12b-25 filing, which can be found at www.sec.gov or the investor relations section of the Company?s website at www.imperial.com .
About Imperial Holdings, Inc.
Imperial is a leading specialty finance company that, through its operating subsidiaries, provides customized liquidity solutions to owners of illiquid financial assets. Imperial?s primary operating units are Life Finance and Structured settlements. In its Life Finance unit, Imperial provides premium finance loans to policyholders for the payment of premiums and purchases life insurance policies. In its Structured Settlements unit, Imperial purchases from individuals long-term annuity payments issued by highly rated U.S. domestic insurance companies. More information about Imperial can be found at www.imperial.com .
Safe Harbor Statement
This press release may contain certain ?forward-looking statements? relating to the business of Imperial Holdings, Inc. and its subsidiary companies. All statements, other than statements of historical fact included herein are ?forward-looking statements.? These forward-looking statements are often identified by the use of forward-looking terminology such as ?believes,? ?expects? or similar expressions, and involve known and unknown risks and uncertainties. Although Imperial believes that the expectations reflected in these forward-looking statements are reasonable, they do involve assumptions, risks and uncertainties, and these expectations may prove to be incorrect. Investors should not place undue reliance on these forward-looking statements, which speak only as of the date of this press release. Imperial?s actual results could differ materially from those anticipated in these forward-looking statements as a result of a variety of factors, including those discussed in Imperial?s periodic reports that are filed with the Securities and Exchange Commission and available on its website at www.sec.gov . All forward-looking statements attributable to Imperial or persons acting on its behalf are expressly qualified in their entirety by these factors. Other than as required under the securities laws, Imperial does not assume a duty to update these forward-looking statements.
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