The Voice of Business - The Blog of the Greater Lehigh Valley ...

Hello everyone - two job openings to share today, one at Saucon Valley Country Club?and one at AFC First Financial Corp. ?As always, if you are a Chamber Member and have a job opening, E-mail me at mikes@lehighvalleychamber.org and we will post it!
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EnergyLoan Consumer Loan Underwriter/Lender

AFC First Financial Corporation, a Lehigh Valley based private financial institution specializing in lending for residential energy efficiency projects nationally, is looking for a talented, detail-oriented and upbeat individual for the position of EnergyLoan Underwriter/Lender.

The ideal candidate will fit into a smaller company team environment, while working on interesting projects that support lending programs for energy efficiency and other "green" improvements to homeowners across the country. ?

AFC First, founded in 1947, is one of three Fannie Mae approved energy-lenders nationwide and administrator of state and utility programs including Pennsylvania's Keystone Home Energy Loan program,in partnership with the Pennsylvania Treasury and DEP, the Connecticut Solar Lease Program, the national EnergyLoan program and programs for many other states and utilities. The US EPA and DOE recently named AFC First the nation's first private, non-utility Home Performance with ENERGY STAR sponsor.

Dynamic and creative thinking, financial discipline, personal integrity and conscientiousness toward employees, customers and business partners are the cornerstone beliefs of the company.
?
Job Description:
This position is a key part of AFC First's Energy Loan operations team and reports to the Vice President of Operations. The primary goal is to effectively process and underwrite consumer loans for energy efficiency home improvements, providing accurate decisions and exceptional service to consumer and contractors. The position is based at AFC First's headquarter in the AFC First Energy Center on Brookside Road in the West Allentown/Lower Macungie Township area.

Principal duties include:

• Maintain an up to date working knowledge of all AFC's energy lending programs
• Accept, process and underwrite consumer applications for energy efficiency improvement loans in accordance with the company credit guidelines, program requirements, and applicable federal and/or state lending regulations
• Effectively communicate lending status and decisions with consumer and contractors, providing friendly, knowledgeable and extraordinary service to all parties
• Accurately maintain all records in loan processing database in timely fashion, efficiently process applications and produce accurate and correct documents
• Other duties as assigned

Requires some consumer credit processing/lending experience, basic database and Microsoft Office product skills, knowledge of consumer lending laws and regulations, a friendly and outgoing personality, exceptional attention to detail and a willingness to work in a friendly, collegial and dynamic environment. Credit or other experience in the HVAC, home improvement or "green" industries is a plus but not required. Compensation, including medical and retirement benefits, commensurate to experience.

Please forward resume to Julie Unger, VP-Operations at junger@afcfirst.com.
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Saucon Valley Country Club


Job Description

Position Description
Title- Administrative Assistant, Member Services
Supervisors- General Manager and Membership Director

SVCC is one of the largest private golf and country clubs in North America. The three championship golf courses, unique six-hole short course, various racquet sports, fitness facility, swimming pools, clubhouses, and an 18th century guest house comprise what is arguably one of the finest private country club complexes in the world. ?The Club features a variety of food and beverage venues, ranging from the Grille Room to al fresco dining in four locations.

Job Summary

? The Administrative Assistant for Member Services will serves as the administrative staff for the General Manager, Board of Governors, and Committees of the Board.
? The Administrative Assistant for Member Services is responsible for providing on-going member communication through member mailings, monthly newsletter, and the Club website.
? This position is intended to give SVCC members one point of contact to arrange utilization of multiple Club facilities.

Key Responsibilities

? Has a complete understanding of the functioning of SVCC and all of its many policies and amenities, and venues to appropriately explain these policies, amenities, venues, and benefits of membership to members.
? Presents a helpful, enthusiastic, and complete one stop shopping service for SVCC members when they want to organize the use of multiple Club facilities.
? Provides member services in the following areas: ?Notary services, assistance with website log-in and instruction, gift certificates, House Guest privileges, fly-fishing permits, and other services as needed.
? Organizes and schedules meetings of the Board of Governors, Executive Committee, and certain other Committees of the Board. ?Takes dictation of minutes, and transcription of minutes for the Executive Committee and Board of Governors.
? Acts as Executive Secretary for General Manager, and members of the Board of Governors.
? Composes and edits correspondence for general mailings
? Coordinates and edits monthly SVCC Newsletter; creates quarterly Employee Newsletter
? Updates the member website and provides on-going communication to members by way of eblasts and ebulletins. ?Creates website announcements, events, and calendars
? Provides coordination and administrative support for the summer Kid?s Club Program and handles the annual ordering of Swim Team merchandise and trophies
? Annually updates SVCC Yearbook and By-Laws
? Provides support for Membership Director as needed
? Provides appropriate feedback to Club leadership and Management as to member satisfaction so that changes, if needed, can be considered.
? Works closely in cooperation with other management and staff members to assure the smooth functioning of SVCC. ? ?Provides assistance to other members of senior staff as directed by supervisor.
? Respects the confidential nature of the position at all times.
? Other duties that may be added from time to time by supervisor, or Board of Governors

Key Skills and Experience Required

? Excellent communication and problem solving skills
? Excellent command of the English language including grammar and proofreading
? Excellent computer skills using MS Office Suite required, additional software desired.
? Experience in an organization that services members
? BA English or Communications desired
? Notary Public desired

Please email resume and cover letter to:

Maria Esposito
Membership Director
Saucon Valley Country Club
mesposito@sauconvalleycc.org

Source: http://lehighvalleychamber.blogspot.com/2012/03/job-openings-saucon-valley-country-club.html

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How and Where to Get Auto Financing | Finance information

The most difficult and most

challenging problem-that confronts people concerning car financing is where and how to get this type of financing. Most people who fail to get approval for their secure and automobile financing applications usually fail because either they do not know where to go to for car financing or they do not know how to go about securing auto finance.

There is a difference between knowing how to approach a challenging issue as seeking auto loan financing and knowing where to go to for car financing. Knowing how to apply and financing approach alone does not guarantee your success. It is a combination of knowing how and where to go to for financing that Guarantees your success when it comes to auto financing. Knowing how to approach and process a request or application for auto loan financing is very important because Guarantees that it is what you will be granted or financed with the amount that you have requested for as auto finance. Whenever you have the need to apply for vehicle financing, it is very important that you should be well grounded in the basics of car financing before applying for an auto loan finance. Being well grounded in the basics of auto financing can preventDefault you from making some stupid and hideous mistakes concerning auto financing. Apart from knowing how to approach financing auto loans, so it is advised that you should know where to go to for flexible and readily and easily affordable car finance loans. Knowing where to source for automotive finance can greatly improve and increase your chances of being granted approval for your auto finance applications. When it comes to knowing where to go to for auto financing, the internet should be your best bet because it offers the fastest, quickest readily affordable and accessible means of applying for car finance. id=?article-resource?> Robert Worley has been a part of the auto loan industry for many years and writes and publishes articles to help consumers better understand the car loans and bad credit auto loans . Robert answers common questions consumers have about auto financing in his articles and news posts

Source: http://www.lovefinanceinfo.com/2012/03/how-and-where-to-get-auto-financing/?utm_source=rss&utm_medium=rss&utm_campaign=how-and-where-to-get-auto-financing

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Apple Sells 3 Million New iPads Over Opening Weekend

Apple has sold 3 million new iPads since the device's Friday release, the company said in a statement on Monday. This makes the debut Apple's "strongest iPad launch yet," according to Apple VP of Marketing Phil Schiller.

Source: http://feedproxy.google.com/~r/GearFactor/~3/PCQ0Wh1HmJ8/

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How to turn on and use Wi-Fi Personal Hotspot tethering on your new iPad

The new iPad includes a tethering feature called Wi-Fi Personal Hotspot which lets you share your iPad's 4G LTE or HSPA+ Internet connection with your laptop or any other device that can connect to a Wi-Fi network. Wi-Fi Personal Hotspot depends on your carrier, however, so while some carriers like Verizon and Rogers offer it, AT&T currently does not. (Insert pitchforks and torches here.) Even when it's offered, however, Wi-Fi Personal Hotspot may not be enabled by default and it's not obvious how to turn it on.

Source: http://feedproxy.google.com/~r/TheIphoneBlog/~3/oqn9J5vNQ6c/story01.htm

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Cuttlebone and Birds ? 5 Reasons Why Cuttlebone is Good For Pet ...

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Phone: 124-457-1178
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Source: http://321blog.info/Animals/birds/cuttlebone-and-birds-5-reasons-why-cuttlebone-is-good-for-pet-birds/

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The Jacksonville ?Little Black Book of Real Estate? Join today ? for ...

Realtors?
Prudential Network Realty 3627 St. Johns Avenue Jacksonville, FL 32205 904-252-5181 (Allison) 904-463-1898 (Caroline)

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Business From Generating Income Online | Internet and Businesses

[unable to retrieve full-text content]Business From Generating Income Online. The organization marketed through the business owner pays the affiliate internet marketer whenever a customer clicks the internet merchant's banner and buys the items being offered around the ...

Source: http://anexistentialkeekah.com/business-from-generating-income-online/

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boyce - Ideas To Help You Achieve Your House Improvement Goals

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

<title>Super Article Directory | Ideas To Help You Achieve Your House Improvement Goals</title><h3>Ideas To Help You Achieve Your House Improvement Goals</h3>

By: Melinda Kingston

So, you decided that you want to start improving your home. That's very good. There is a lot of hard work involved to improve your home properly. Do you know what you need to know to do it right? If you don't, you should look at these tips listed below.

In order to properly renovate your kitchen when taking on a home improvement project, it is important that you shut off the water. If any accidents happen such as accidentally hitting a pipe, the mistake of flooding the whole kitchen can be prevented. It is better to be safe than sorry.

After some initial use, your kitchen cabinets can start to lose their luster. You can shine up kitchen cabinetry by using car wax. Apply some car wax liberally to a towel and wipe your cabinets down in a circular motion. This can make your cabinets appear like they're new and shiny.

Amongst all the other home improvements you need to create a rental suite, put a separate entrance above all else. You will appreciate it when your renters don't bump into you as you're trying to get your groceries inside the house, and they will give you a higher rent amount for the privilege.

When creating a budget for a home improvement project, make sure that you factor in "small" expenses like nails, tools, tape, and so forth. The cost of these surprises can really impact your overall budget and leave you scratching your head about how you spent so much. It's better to plan for them ahead of time.

If you are stuck with a boring steel front door, and can't afford a new one, try painting it an interesting color, or choose a paint with special effects. You could also apply some kind of faux-finish to make it appear more interesting and expensive!

When it comes to home improvement, consider adding extra insulation to your home to assist with your cooling costs in the summer and heating costs in the winter. This will save you money as well as keep you and your family more comfortable. The two best ways to insulate are to add weather strips to your doors and ensure that your attic is lined.

The kitchen is usually the room that sells the place. Take a look around and see if there are any inexpensive things you can do to your kitchen to make it look recently update. Get rid of that wallpaper or add hardware to your cabinets. Do whatever is simple and quick, but effective. You will be able to mention the update in you listing and buyers like seeing that.

Home improvement can also be called a honey do list. If you have one of these lists, make sure you work diligently to complete each project on the list. The list may seem never-ending, but the jobs will ultimately make your house a better, safer place to live.

Before you begin painting a room it is important to lay down drop clothes or old sheets on the floor. When painting a room it is very possible to have paint drip or spill on the floor. Regardless of what type of floor you have it can be very difficult to get paint up once it is on a surface.

Reuse as much as possible during your home improvement to save money and help the environment. If you can paint your cabinets to give them a new look, why not? Replace the knobs or handles on them as well to modernize their look. Consider painting tile instead of replacing it to freshen a room.

If your radiator has gone cold, you may need to bleed it. Simply switch off the boiler and locate the bleed key. Turn the key counterclockwise and air will begin to escape and make a hissing sound. When the sound stops and a little water leaks, turn the bleed key clockwise to close it.

Upgrade your kitchen to improve home value quickly. Kitchen improvements can be as simple as refreshing paint or wallpaper or as complex as installing new cabinetry, appliances or flooring. You can do most kitchen improvements yourself or contract with a professional for more difficult items. Investing in your kitchen makes your home more enjoyable for yourself and your family, and it also increases the home value should you ever decide to sell your house.

Ask your friends and family who they recommend to help you complete home improvement work. You'll know if the recommendation is good or not because you'll have access to the home where the work was done, and your adviser will be able to tell you honestly how dealing with the contractor worked out.

Even if you have done some home improvement projects in the past and received great results, you want to know the secret tips and advice that lies within the world of home improvement. You can never learn too much as there is always a strategy or technique you haven't considered. The advice in this article could be a great stepping stone for learning a lot more.

Author Resource:->??Thanks for reading my post. Are you still looking for ways to better improve your home design? Then you have to take a look at cuisinart food processor at http://mydreamhomecoach.com/review-of-the-cuisinart-food-processor/ now.

Do you want to start your home improvement today? Then you can take a look at hoover carpet cleaners at http://mydreamhomecoach.com/the-hoover-max-extract-carpet-cleaner-review/ now.

Article From Super Article Directory

Firefox users please select/copy/paste as usual

Source: http://www.superarticledirectory.com/Art/772785/265/Ideas-To-Help-You-Achieve-Your-House-Improvement-Goals.html

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Source: http://oybad.livejournal.com/33787.html

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'Warming up mighty early' across parts of US

Susan Walsh / AP

The recent warm spell across much of the U.S. has included Washington, D.C., where it was 80 degrees on Thursday -- perfect weather for recreating near the Washington Monument.

By Miguel Llanos, msnbc.com

So now that March feels like May in much of the U.S., what's May going to feel like? The East Coast and South can expect above-normal temperatures, federal forecasters announced Thursday -- a day when Atlanta and Chicago were among the cities that posted new daily highs.

After a brief cooling, the warm spell should continue through the rest of March, especially in the East, and into early summer across the South as well,?said Ed O'Lenic, chief of operations at the U.S. Climate Prediction Center.

"It's warming up mighty early," he added.

Signs of?a premature?spring range from early cherry blossoms in Washington, D.C., to farmers preparing to plant.

---

?

"This warm weather will advance crops beyond where they normally are," Reuters quoted?meteorologist Joel Burgio of Telvent DTN as saying.

Wheat in the South was ahead of normal, Burgio said,?fruit trees are blooming early in the Southeast, and Midwest farmers will be lured into starting spring field work earlier than usual.

"The concern is that if a sudden change to colder weather comes after this very warm interlude, then you could have some crop problems," he said.

But the Climate Prediction Center wasn't expecting that. "Above-average temperatures this spring are most likely from the Desert Southwest through the central and southern Great Plains, the Great Lakes, and the Eastern U.S.," the center said?of its three-month outlook, "while the Pacific Northwest and Alaska are favored to be cooler than average."

In Washington, D.C., temperatures reached an all-time high, and in less than a week more than 900 new record highs have been tied or broken. NBC's Brian Williams reports.

This week, dozens of cities have seen temperatures above 80 degrees?and much of the region has been 30 degrees warmer than normal.

On Thursday, Atlanta saw 82 degrees Fahrenheit, a degree warmer than its previous?record for a?March 15 back in 1973. Chicago broke its record with 77 degrees, 3 more than?in 1995.?

On Wednesday,?307 sites across the country -- the vast majority in the Midwest -- broke their record for?the warmest March 14. Ninety-three tied their record.

The same was in store for the rest of the week as well, though a notable exception to the warmth has been the Pacific Northwest where snow, ice and rain have kept winter alive.

This time last year, officials were worried about a heavy winter snowpack and its potential to create massive flooding -- a scenario that played out in?many areas.

NOAA

Now, however, the threat isn't snow and flooding but heat and drought.

"What a difference a year makes," Laura Furgione, deputy director of the National Weather Service, told reporters at?the agency's annual Spring Outlook?news conference.

The drought concerns focus on west Texas and New Mexico --?and more recently Georgia, three-quarters of which is in severe, extreme or exceptional drought.

?

Drought and dry weather also raise the chances of wildfires.

In the Chicago suburbs, warmer weather was tied to four brush?fires in three counties. One destroyed a bar and killed six horses, the Morris Daily Herald reported.

"It does seem like these fires are popping up early," local fire chief Ron Hoehne told the Daily Herald. "I can only assume it's because of a lack of snow or rain so far this year."

So is?global warming?behind the temperature increase? While "extreme events like we've seen are consistent" with warming, O'Lenic said when asked at?the news conference, "it's impossible to connect any single event like this one with climate change."?

D.C. Cherry Blossom Festival blooms early

He also cited two naturally occuring factors: La Nina and what's known as the Arctic Oscillation, a measure of changing atmospheric pressure.

The Arctic Oscillation flipped from last year, when it?helped create conditions for heavy snow, O'Lenic noted,?so this winter has seen "the other side of the AO coin," with cold Arctic air being blocked from coming down into the U.S.

Last?winter also saw a strong La Nina, a cooling of the Pacific?Ocean,?that lasted through spring and impacted weather globally. La Nina did return this winter, he added, but this time it?"is fading fairly rapidly."

Reuters and The Associated Press contributed to this report.

More content from msnbc.com and NBC News

Follow US News on msnbc.com on Twitter and Facebook

Source: http://usnews.msnbc.msn.com/_news/2012/03/15/10704138-warming-up-mighty-early-across-parts-of-us

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Data Recovery Service ? Technology ? EzineMark | tillmidnight.biz

Are you suffering from physical damage of the hard disk of your laptop or desktop? Or the spindle or heads of your hard disk are crashed? Or spindle motor of your hard disk is failed? Or due to some other reason the hard disk of your computer is physically damaged? If yes, then it is the time to contact reliable third-party data recovery services provider! These third-party providers repair your damaged hard disk to recover the precious data stored in it.

Above mentioned are cases of mechanical failures of hard disk which cause physical damage and thus data loss. However, there are various other reasons due to which the hard disk of your computer attains physical damage. These reasons may vary from fire, moisture, heat, water, to accidental dropping of hard drive. Electrical shocks, power failure, etc are some other notable causes of physical damage to hard disk which lead to precious data loss.

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Most of the data recovery service providers observe your damaged hard disk and give free consultation to overcome such situation. Thus, after the consultation if you opt for data recovery service, only then you have to pay charges. The procedure which a data recovery service provider opts in order to recover your data is as follows, data recovery service providers initially expose the hard disk in a special Class 100 Clean Room (this is dust free environment, required to expose the hard disk and thus it is prohibited to open the disk in normal environment).

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Source: http://technology.ezinemark.com/data-recovery-service-salvage-to-physical-hard-disk-damage-7d3483636fc0.html

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Categorised as:good enough

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Source: http://tillmidnight.biz/313/data-recovery-service-technology-ezinemark/

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Hydrogen power in real life

Public release date: 13-Mar-2012
[ | E-mail | Share ]

Contact: Christian Bach
christian.bach@empa.ch
41-587-654-137
Swiss Federal Laboratories for Materials Science and Technology (EMPA)

Clean and energy efficient

To develop a prototype and then test it right away under everyday conditions of use is not an easy undertaking, and setbacks are practically preprogrammed. The hydrogen powered street cleaning vehicle, which took about 18 months to develop and began trials in Basel in 2009, is no exception. "It became clear relatively quickly that the fuel cell system, which had been developed as a one-of specially for the project, was not yet ready for use in a real-life setting," explains project leader Christian Bach, head of Empa's Internal Combustion Engines Laboratory. "On top of that, the various safety systems kept interfering with each other and bringing everything to a halt."

But because the vehicle achieved its targets both in terms of energy consumption and performance, the project team which, in addition to researchers from Empa and the Paul Scherrer Institute (PSI), also included the vehicle manufacturer Bucher Schoerling, the electric drive specialist Brusa, the hydrogen manufacturer Messer Schweiz, and the city of Basel Environment and Energy Department as well as the city's cleaning services decided to replace the fuel cell system initially used with another more mature product, and also to implement a single centralized safety module. The "Fuel Cell System Mk 2" has now been in operation since the summer of last year and has proven to be far more robust: only once has it been necessary to take the vehicle out of service, because of a defective water pump.

But one problem rarely comes alone and sure enough the voltage converter between the fuel cell system and the battery died, then the sensing system for the electric motor drive as well as two cooling water pumps had to be replaced shortly after the vehicle was initially repaired. All these components were, it goes without saying, tailor-made for the vehicle and therefore had appropriately long delivery times. Despite these setbacks, however, for the past three months the vehicle has been running so reliably that the city cleaning services are able to use it on an everyday basis as they would a "normal" vehicle.

Lessons learned from the experience in Basel

The test phase in Basel showed that fuel cells are ready for use under everyday conditions, also perhaps particularly in niche applications such as municipal utility vehicles. Their use allows the operator to save a considerable amount of energy, since the vehicle consumes less than half the fuel of its contemporaries. In figures: instead of 5 to 5.5 liters of diesel per hour (equivalent to an energy consumption of 180-200 MJ per hour) the hydrogen powered vehicle needs only 0.3 to 0.6 kg of fuel per hour (that is, 40-80 MJ per hour). And in terms of CO2 emissions, too, the new vehicle performs about 40% better than a diesel powered equivalent, even when the hydrogen is produced by the steam reforming of natural gas using fossil fuels. If the hydrogen was produced using energy from renewable sources then the CO2 reduction would be even greater.

During use the novel vehicle has proven to be user-friendly and safe. Refueling was done by the drivers themselves at a mobile, easy-to-use hydrogen fuel station. The refueling stations and garages where the vehicles are parked are fitted with a hydrogen monitoring system, but since it has been in use there has not been a single problem caused by hydrogen leaks. An additional advantage is the fact that the fuel cell powered vehicle is much quieter than a diesel vehicle, both when driving to the area to be cleaned as well as during cleaning itself, even when the suction system and brushes are operating. This leads to a noticeable reduction in noise, particularly for the drivers.

The only disadvantage is that on cold days the waste heat from the fuel cell and the electric motor are not sufficient to adequately warm the driver's cabin a typical weakness of electrical drives. To counter this, the driver's seat was fitted with a heater unit for use on cold days.

Around the middle of March 2012 the test phase in Basel will draw to an end and the vehicle will be taken to St Gallen for further practical trials. Now that the teething problems have been overcome, the vehicle will undergo further testing in everyday situations in order to gain more operating experience and to allow the ageing behavior of the various components used in the vehicle to be studied.

Currently a vehicle of this kind is about three times as expensive as a conventional one. On the other hand, the costs of fuel cell systems alone have, over the past few years, dropped by a factor of ten, and the end of this trend is not yet in sight.

###

The project partners

The project is financed by Empa, the Paul Scherrer Institute (PSI), Bucher Schoerling, Messer Schweiz und Brusa as well as the ETH-Domain's Competence Centre for Energy and Mobility (CCEM), Novatlantis Sustainability in the ETH-Domain, the Swiss Federal Office of Energy (SFOE) and the pilot regions of Basel, St. Gallen, Bern und Onex (GE).

---

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?

AAAS and EurekAlert! are not responsible for the accuracy of news releases posted to EurekAlert! by contributing institutions or for the use of any information through the EurekAlert! system.

Public release date: 13-Mar-2012
[ | E-mail | Share ]

Contact: Christian Bach
christian.bach@empa.ch
41-587-654-137
Swiss Federal Laboratories for Materials Science and Technology (EMPA)

Clean and energy efficient

To develop a prototype and then test it right away under everyday conditions of use is not an easy undertaking, and setbacks are practically preprogrammed. The hydrogen powered street cleaning vehicle, which took about 18 months to develop and began trials in Basel in 2009, is no exception. "It became clear relatively quickly that the fuel cell system, which had been developed as a one-of specially for the project, was not yet ready for use in a real-life setting," explains project leader Christian Bach, head of Empa's Internal Combustion Engines Laboratory. "On top of that, the various safety systems kept interfering with each other and bringing everything to a halt."

But because the vehicle achieved its targets both in terms of energy consumption and performance, the project team which, in addition to researchers from Empa and the Paul Scherrer Institute (PSI), also included the vehicle manufacturer Bucher Schoerling, the electric drive specialist Brusa, the hydrogen manufacturer Messer Schweiz, and the city of Basel Environment and Energy Department as well as the city's cleaning services decided to replace the fuel cell system initially used with another more mature product, and also to implement a single centralized safety module. The "Fuel Cell System Mk 2" has now been in operation since the summer of last year and has proven to be far more robust: only once has it been necessary to take the vehicle out of service, because of a defective water pump.

But one problem rarely comes alone and sure enough the voltage converter between the fuel cell system and the battery died, then the sensing system for the electric motor drive as well as two cooling water pumps had to be replaced shortly after the vehicle was initially repaired. All these components were, it goes without saying, tailor-made for the vehicle and therefore had appropriately long delivery times. Despite these setbacks, however, for the past three months the vehicle has been running so reliably that the city cleaning services are able to use it on an everyday basis as they would a "normal" vehicle.

Lessons learned from the experience in Basel

The test phase in Basel showed that fuel cells are ready for use under everyday conditions, also perhaps particularly in niche applications such as municipal utility vehicles. Their use allows the operator to save a considerable amount of energy, since the vehicle consumes less than half the fuel of its contemporaries. In figures: instead of 5 to 5.5 liters of diesel per hour (equivalent to an energy consumption of 180-200 MJ per hour) the hydrogen powered vehicle needs only 0.3 to 0.6 kg of fuel per hour (that is, 40-80 MJ per hour). And in terms of CO2 emissions, too, the new vehicle performs about 40% better than a diesel powered equivalent, even when the hydrogen is produced by the steam reforming of natural gas using fossil fuels. If the hydrogen was produced using energy from renewable sources then the CO2 reduction would be even greater.

During use the novel vehicle has proven to be user-friendly and safe. Refueling was done by the drivers themselves at a mobile, easy-to-use hydrogen fuel station. The refueling stations and garages where the vehicles are parked are fitted with a hydrogen monitoring system, but since it has been in use there has not been a single problem caused by hydrogen leaks. An additional advantage is the fact that the fuel cell powered vehicle is much quieter than a diesel vehicle, both when driving to the area to be cleaned as well as during cleaning itself, even when the suction system and brushes are operating. This leads to a noticeable reduction in noise, particularly for the drivers.

The only disadvantage is that on cold days the waste heat from the fuel cell and the electric motor are not sufficient to adequately warm the driver's cabin a typical weakness of electrical drives. To counter this, the driver's seat was fitted with a heater unit for use on cold days.

Around the middle of March 2012 the test phase in Basel will draw to an end and the vehicle will be taken to St Gallen for further practical trials. Now that the teething problems have been overcome, the vehicle will undergo further testing in everyday situations in order to gain more operating experience and to allow the ageing behavior of the various components used in the vehicle to be studied.

Currently a vehicle of this kind is about three times as expensive as a conventional one. On the other hand, the costs of fuel cell systems alone have, over the past few years, dropped by a factor of ten, and the end of this trend is not yet in sight.

###

The project partners

The project is financed by Empa, the Paul Scherrer Institute (PSI), Bucher Schoerling, Messer Schweiz und Brusa as well as the ETH-Domain's Competence Centre for Energy and Mobility (CCEM), Novatlantis Sustainability in the ETH-Domain, the Swiss Federal Office of Energy (SFOE) and the pilot regions of Basel, St. Gallen, Bern und Onex (GE).

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AAAS and EurekAlert! are not responsible for the accuracy of news releases posted to EurekAlert! by contributing institutions or for the use of any information through the EurekAlert! system.

Source: http://www.eurekalert.org/pub_releases/2012-03/sflf-hpi031312.php

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Blog Online Marketing ? Seo Companies Series ? NiksarOrman.com

Mar 12th, 12 / / Share this Entry

Search optimisation services are different from one spot for their another. Intended for better local awareness, you should try to get to encourage them to leave reviews for your personal services. However, their SEO Reseller Program has a tendency to offer me an excess of freedom because I did so not know it is possible to set my prices or where to start this. By using help of WEBSITE PLACEMENT services your page ranking will definitely improve whilst your sales will exhibit marginal improvement within quarter or so. It is incredibly convenient to contact the perfect SEO agencies. Key point that is additional important than variety of content is excellent. If you are searching for hiring an WEBSITE SEO services company that will help you promote your home business, you only have to choose among the numerous companies available on line. The particular professional SEO everyone hire must be capable of bring good traffic internet.

Search Motor optimization specialists carryout a keyword groundwork before performing virtually any SEO services. You may certainly be a step or two removed from successful internet marketing after you give up. This ?s best seen in how SEO has developed into a formidable industry such countries as China, the Philippines, China and Vietnam. A lot of the SEO firms in Connecticut in addition provide renovation and preservation of existing seo services online websites. And today consumers in one country can use product or service being provided far away also. Boosts Sales and profits: A website that was not among the leading rankers on google will get far lower traffic as opposed to the ones which can be on the earliest page of search engine rankings. The particular search algorithms happen to be sharpening up; web crawlers are trolling along with a high sense for discernment; the agenda is easy: to wipe unmerited goings-on from organic website positioning.

Another type of search engine marketing service is articles optimization. Make sure you understand, it?s important purchase a corporation that assures to realize quality traffic to your site. If you?re planning to start your internet-site then it is vital that you care for issues related to be able to its promotion. One requires a dedicated SEO team which will work tirelessly for just a website. Using some danger techniques can be fatal for that website. Now coming by means of next approach making use of high-volume keywords at once, you will experience a difficult time moving up the actual rankings, and initially, you will have no listings on first page long.

Google?s standing algorithm also arrived to play around duration. Some Gray Hat SEO services may have a tendency to use more on your guard strategies and take a great deal larger risks to make fast and high website positioning. Yahoo continuously alter the algorithms utilized to rank websites. Links sold with another high page ranking link can assist you gain not just a good rank in search engines but will provide a good potential customers flow into your blog post. Web owners use each tool to turn into successful over search engine internet pages. There is absolutely no point of haywire seo unless the prospective customers are found out in the online market place. Due to this, you need and keep your ear for the ground and look for these changes when they will affect how we and your SEARCH ENGINE OPTIMISATION agency tackle your web marketing.

Guest post by Laios E. Deloris Chum

Source: http://www.niksarorman.com/2012/03/blog-online-marketing-seo-companies-series/

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Animal Rescue Fund director stays busy

Animal Rescue Fund director stays busy

Sheri Niekamp, the new executive director of the Animal Rescue Fund (ARF), hopes to promote animal education through school programs and youth groups under her leadership.

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Source: http://www.app.com/article/20120309/NJLIFE06/303090082/1006/LIFE&source=rss

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Inter Milan president Moratti would love to land Napoli star Lavezzi

Inter Milan president Massimo Moratti cannot hide his admiration for Napoli star Ezequiel Lavezzi.

Lavezzi is on stunning form and has scored for the last five consecutive games.

?I?d sign Lavezzi straight away. I have to compliment Walter Mazzarri, because it?s easy to have great players, but not so easy to get them playing as well as he does,? he said.

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New Mexico Nanny caught on tape shoving a soiled baby wipe down 10 month old baby's throat

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Elvira Talavera Perez, 43, of New Mexico has been charged with three counts of negligent child abuse after she was caught on hidden camera shoving a soiled baby wipe down a 10 month baby boy's throat.

The nanny was hired by a family in Las Cruces in July 2011 to look after their newborn son.

After about 5 months from the time Perez was hired, the family noticed some of their personal valuables like gold chains, rings and other jewelry had gone missing.

In the hopes to figure out whether or not Perez was responsible for the alleged thefts, the parents decided to set up a hidden camera in their home.

According to police, the parents were horrified to see their son allegedly being abused by Perez.

The video tapes revealed Perez shoving a soiled wipe into the baby's mouth and on another occasion showing Perez dropping a soiled diaper on to the baby's face as he lay on his changing mat.

The video tapes also showed Perez stealing items of jewelry from the parent's bedroom.

After the father gave the tapes to Las Cruces Police, they immediately launched an investigation into the case of the alleged abuse and theft.

After a two month investigation, Perez was arrested and is now being held at the Dona Ana County Detention Center on a $30,000 bond.

Source: http://university-nobhill.kob.com/news/crime/112644-new-mexico-nanny-caught-tape-shoving-soiled-baby-wipe-down-10-month-old-babys-throat

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paul smith collection Home and Family Scrapbooking ? hlel472fl ...

There are no characteristic rules stating namely forever photographs or mementos have to be placed among chronological order. Therefore,ghd, it namely entirely up you the order you hope to area your items plus embellishments. You tin zone your items amid a formal chronological order. You tin likewise team items into formal alternatively informal categories such because alike colors,paul smith collection,events activities,mulberry cheap, individuals,ghd soldes,alternatively families. Items tin likewise be placed into haphazard abstract,jordan shoes,alternatively collages.
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Tags: ghd, jordan shoes, mulberry cheap

This entry was posted on Thursday, March 8th, 2012 at 3:53 am and is filed under Uncategorized. You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response, or trackback from your own site.

Source: http://hfamnw396.lateststyle.org/2012/03/08/paul-smith-collection-home-and-family-scrapbooking/

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Source: http://hayneswilfredo.typepad.com/blog/2012/03/paul-smith-collection-home-and-family-scrapbooking-hlel472fl.html

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Graphic design, and branding: How can it change your business ...

Graphic design, and branding: How can it change your business?

Let?s start at the beginning. What is a brand?

?Branding??is the spine that runs through a successful business.

A brand expresses company values and projects you as a company who is serious about their business. Without one, how can you expect your clients/customers and staff to understand what they are buying into?

A company with no brand, more often than not has no direction.

I am going to explore branding mainly from a graphic design point of view, as this is what I am an expert in.

With a new brand, the initial focus will probably be on getting the logo right. A good logo can, at a glance, give the potential client a lot of information. Using colour, fonts and imagery, you can achieve a feel for the business and where you are or want to be positioned in the market place.

Is this expensive?

No, this doesn?t have to be an expensive exercise. Obviously, if you are a small company then going to a large branding / design agency and asking them to rebrand your company will be very expensive.

However, a good designer is one who designs well, not who has the right studio location or a flashy car.

An excellent place to start is by speaking to other business owners whose brand image you admire and find out who did their branding. Ask around at networking groups and get recommendations.

Then, meet the designers ? it is very important to get on. Otherwise, they won?t get what they need from you and you certainly won?t get what you want from them. It is all about finding the right fit. Then get a quote.

A good designer will want to understand you and your business objectives, your goals. It is also very important to work with the designer to develop the new brand.

If you are starting with a new logo, don?t expect the perfect logo the first time round. It is lovely if they do, but usually it takes a small amount of development. Also, don?t appoint a new firm if your designer doesn?t get it right first time. Work with them. Develop. This is how the process works.

And remember to listen to them. Take their advice; after all, this is what you are paying for.

Your new logo will be the springboard to developing your whole brand image. Working with your graphic designer you can ensure your website, brochures, leaflets, adverts, signage, leaflets and exhibitions all have a cohesive look and feel to them.

How will this change your business?

Well, for a start, people will start to notice the business ? in a good way! No more tatty pieces of literature and mixed messages.

A new or refreshed brand automatically makes people think you are doing well, and delivers one clear marketing message. Staff will often feel more confident and clients will be more receptive to your expertise. Competitors will hopefully feel threatened, and will probably start to tidy up their act too!

People are brand loyal, and this isn?t just the case with baked beans. You are the figurehead for your brand ? your business. How you and your business are presented will help a new client choose you. And if done well, your values will be carried over into your branding, and you should find it easier to gel with your new client.

Branding doesn?t stop when all the creative is finished. Start to establish a marketing mindset, keep promoting your business and its key values. This can be done in so many ways, so find out what works for your business. For example, ask your PR consultant to send out a press release talking about your new brand, and what it means for your company?s future. Also try networking, direct mail, trade fairs, and social media, remembering to keep updating your new website.

Become an expert in your field and enjoy this new chapter in your business!

Source: http://www.seventy-three.co.uk/2012/03/09/graphic-design-and-branding-how-can-it-change-your-business/

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Kraft Group President on Jobs

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? Fri 09 Mar 12 | 06:32 AM ET ? ? This term does not appear ?Click text to jump within video Fri 09 Mar 12 | 06:32 AM ET Insight on where he believes the economy is headed and a forecast of today's jobs numbers, with Jonathan Kraft, New England Patriots president/The Kraft Group president/CIO. Kraft bases his prediction of jobs report based on strong orders his business sees. ?

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Source: http://www.cnbc.com/id/15840232?video=3000076704&play=1

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Swimming pools In Oklahoma City | Fisher Pools & Supplies ...

Swimming pools In Oklahoma

Fisher Pools & Supplies www.localedge.com Infrared saunas, moveable pools,Doughboy Above Ground Pools, nationwide service heart for Softub, Softub Spa?s, Take pleasure in, Baquacil & Baqua Spa, Coyote Spas, Arctic Spas,
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Swim anytime you like on your individual routine at your very own perfect rate. No touring, no crowded pools,no large chlorine. Just your individual precision engineered swimming pool,the place you swim or physical exercise against a clean existing that?s fully adjustable to any pace or capacity. Our Swimming pools In Oklahoma are easy to set up, easy to keep, affordable to operate, suit simply in new or active areas indoors or exterior, and are so handsome they can become a showplace in your property. The small footprint signifies our Swimming pools In Oklahoma use fewer assets, and power than conventional Swimming pools In Oklahoma .

All the advantages of conventional Swimming pools In Oklahoma , and a lot more, in a fraction of the space!
The backyard swimming pool will eternally be a fixture of enjoyable and enjoyment for generations of kids and older people. But for many of us, entry to a Swimming pools In Oklahoma is tough. We resign ourselves to monthly health club fees, above-chlorinated waters, jockeying for lane instances, crowded pools, dirty locker-rooms and lengthy commutes.

Now? picture your own personal Swimming pools In Oklahoma , installed just methods absent, set to the temperature you wish, with significantly less chlorine than common faucet water? a pool that can be mounted just about everywhere, indoors or out and used year-spherical for lap swimming, aquatic exercising, therapy and household entertaining.

Swimming pools In Oklahoma

Introducing, the Limitless Pool, the intelligently intended Swimming pools In Oklahoma for present day entire world. The Unlimited Pool is the tiny pool with Big positive aspects! Considering that 1988 above 17,000 Buyers globally have realized the positive aspects of daily aquatic physical exercise, in the privacy and convenience of their own homes, now it really is your change. Countless Pools are best for:

We never ever hire or in any other case share your private data, rest assured your privateness is a top rated priority. So ask for our Cost-free Concept Kit, and see for by yourself how attainable and cost-effective your own Swimming pools In Oklahoma can be. Listen to from our Buyers and examine our total line of swimming pools from the comfort of your sofa.

Everyone wants to create a lavishSwimming pools In Oklahoma in their backyard and to achieve this they get funding from either pool credit history companies, contractors or from others with no assessing all the attainable choices. There are different sorts of swimming pool funding available, and you need to decide on one particular which greatest fits your monetary abilities and precise requirements. To incur a credit card debt for swimming pool is not a undesirable factor but it could be a catastrophe if you really do not examine your own fiscal functionality for its reimbursement and comprehend the varieties of financial loans obtainable.

Swimming pools In Oklahoma

You could method the mortgage officer of your financial institution if you have a very good credit score background and you might enable you to get an unsecured financial loan with reduced fascination premiums for your Swimming pools In Oklahoma funding. You might request the premiums for different tenures and payment plans and at this phase you need to not make your selection. You need to do your because of diligence and consider additional options.

You may possibly also method house loan loan providers, as most frequently they contemplate it practical to lengthen the Swimming pools In Oklahoma loan as a swimming pool will add worth to your property. This financial loan is typically known as a property improvement mortgage and is accessible for 3, five and 10 several years. You have to arrange a payment program that you can easily find the money for on month-to-month foundation. Below is a circumstance the place you have to make positive that there is no pre-payment penalty.

Swimming pools In Oklahoma

There is another alternative accessible to you that is property refinancing. In home refinancing scheme you have no need to explain to your financial institution that for which function you want this facility because these creditors will examine the worth of your property. When you granted the refinancing then you can get the funds out from it in order to finance your swimming pool but below a single consideration is essential that when you do this your month to month installments repayments will definitely increase.

Swimming pools In Oklahoma

You may possibly approach to pool companies since they frequently supply swimming pool financing after the verification of your constant job and repayment potential. They may also pay specific interest over your credit rating background so it is in your best interest in buy to avail reduced fascination charges mortgage to shell out off all of your delinquent accounts instantly since it will add optimistic details to your credit history report and allow you to get Swimming pools In Oklahoma financing.

You must examine every sorts of swimming pool funding ahead of making your ultimate determination. You ought to pick a single that has lower interest prices, no hidden charges, reduced and reasonably priced regular monthly payments and other needed specifications which are in your best curiosity.

Swimming pools In Oklahoma

Source: http://poolsoklahomacity.com/swimming-pools-in-oklahoma-city-fisher-pools-supplies-hamburg-ny/

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Italy on a Plate: The Week in Italian Food: Mar 4, 2012 - Food ...

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Artichokes, a "big night" in Napoli with timballo, Artusi's brodo, dishes from Piedmont, Rome, Puglia, Livorno and goulash from the Dolomites are the recipes for this week's Italian food roundup.? In Eating Italy, we travel all around the boot with food and drink, too (a lot of wine links this week):? A culinary tour in Sicily, a restaurant in Bari, a market and food lover's trip in Rome, a wine bar in Verona, polenta in Stresa and some words of wisdom on cooking pasta the Italian way (the only way, of course).?

Also, be sure to check back here daily for the next two weeks for a Taste of Puglia.? To celebrate the culinary tours to Puglia I'm hosting in May and September, I'll be bringing you recipes, stories and information from Puglia to whet your appetite. Enjoy & Buon Appettito!

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My Choice for This Week's Top 10 Italian Food Recipes from Around the Web:

Taralli with Fennel - Journey of an Italian Cook

Brodo - Inspired by Artusi - Emiko Davies

Zuppa di Cavolo Nero con Salsiccia ed Orzo (Black Kale, Sausage & Barley Soup) - The Front Burner

Timballo di Maccheroni alla Napoletana - Napoli Unplugged

Spaghetti alla Carbonara from Pipero al Rex in Rome - Flavor of Italy

Farro Tajarin Pasta with Artichokes and Leeks - Bella Baita View

Polenta with Kale and Cannellini - Piedmont in Brooklyn

Pasta with Artichokes, Smoked Bacon & Parsley - Lucullian Delights

Cacciucco Revisited - A lighter version of the Tuscan classic - The Florentine

Italian Goulash in the Dolomites - along with gorgeous photos of a snow Val Gardena - Ciao Chow Linda

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Eating Italy:

Wines of Italy: The Great Indoors of Benevento - Come for the Wine

Seeing and Believing in Sicily: Enjoying a Hyper-Seasonal Super Local Dinner - The 5th piece in the series of culinary travel through Sicily - Faith Willinger for La Cucina Italiana

Verona: Antica Bottega del Vino - One of the oldest taverns in Verona - Urban Italy

Mercato Trionfale Offers Great Food, Atmosphere Near Vatican - Parla Food

Terranima {in Bari} - Elizabeth Minchilli in Rome

Eating in Rome - The Purple Foodie

Stresa Carnevale: Martedi Grasso Polenta - Stresa Sights

Intro to Umbria, Campania and Italian Wine Law 101 - Informative piece on 3 wine topics - Vindulge

A Star is Born in Chianti in Porta di Vertine - DoBianchi

L'anima - On cooking pasta the Italian way - Eleonora for The American in Italia

Brunello di Montalcino ~ 2007 Normale and 2006 Riserva - Learn Italian Wines

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Upcoming Food & Wine Festivals in Italy:

Cioccola-To - March 2 to 11, 2012 - Turin - Italian chocolates & more, with a focus on the chocolatiers of Turin, fill the Piazza Vittorio Veneto.

Taste Firenze - March 10 to 12 - Florence - The Leopolda Station

Sagra della Seppia - March 18 to 25 - Pinarella di Cervia - The seaside town near Ravenna celebrates seppia

CioccoItaly - March 23 to 25 - Trento - Artisinal chocolate fair in Trento's Piazza di Fiere

VinItaly - March 25 to 28, 2012 - Verona - Italy's largest wine exposition

Wine in the City - May 16 to 19 - Naples - Throughout the city wine will be the focus of this event, where there will be?wine to taste

Vitigno Italia - May 20 to 22 - Naples - 8th Annual Wine Festival in Naples at the?Castel dell' Ovo

Firenze Gelato Festival - May 23 to 27 - Florence - The piazzas and streets of Florence will be filled with gelato stands and gelato!

Events in Tuscany - Site listing many events throughout Tuscany, and not only food and wine

Events in the Langhe area of Piedmont - Site from the Alba Tourist office listing many festivals, mostly wine & food, happening in the Langhe area of Piedmont

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Join me on a Food & Wine Lover's Culinary Journey Through Puglia!

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Related Posts:

Italy on a Plate: The Week in Italian Food - February 26, 2012

Foods Not to Miss in Sicily

Torta Setteveli - Seven Veils Cake from Palermo

Cassatelle alla Siciliana

Arancino - Sicilian Fast Food

Good Views and Good Eat in Taormina

Da Danilo - Delicious Dining in Rome

Roman Pasta Dishes and 10 Places to Eat Them in Rome

The Dish from Puglia: Ricci di Mare (sea urchins) from Porto Badisco

Dish from Puglia: Friselle

The Dish from Puglia: Il Rustico Leccese

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Source: http://foodloversodyssey.typepad.com/my_weblog/2012/03/italy-on-a-plate-weeks-best-italian-food-mar-4.html

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Source: http://prgsovoc.posterous.com/italy-on-a-plate-the-week-in-italian-food-mar

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How to Find Nashville Wedding Venues from the Internet ...

How to locate Clarksville Marriage ceremony Site from the net 3 ) Bonds ( space Weddings Ever previously, make sure you motivation shut to Knoxville merely find some good club for your targeted marriage. Husbands and wives would certainly pay out fourteen days to position that unique use the money couple is likely to transport vows. At the moment, realising Clarksville big event spots is considered less complicated. Solely log-on of your desktop computer and connect online. Many of wedding merchants and service companies inside of village end up with a web presence. By merely looking out short time . Refined Floor Length Empire Strapless Zipper Sweep Brush Train With Beading Wedding Dresses , provide you with to choose the wonderful resource site for your perfect wedding. Completed you ought to do is always to opt for a top crafting celebration tips and hints. A home-based wedding reception advisor is equipped with an suitable operating system to achieve households in which are want great deals you can get. You may also bear this in mind types of product by being an about the web directory. About to will give you particularly long list Chattanooga big party areas. The one selling consists of your current contact info with the service provider, effective a short available in the market offices, working description through the city, plus proper illustrations or photos with regards to wedding rooms and thus signal places. A hyperlink to a care provider's place might be for your situation. To learn about more details on most of the destination cheap wedding dresses, just click the url and you'll be rerouted to their provider's blog site. To get provide a primary inquiry of a mobile phone network from the web directory associated with an around the internet service recommendations. Just like new plan to make sure to option of Clarksville party wedding venues Beach Wedding Dresses, your able to use the email contact form suitable for you on the website. Always present your business Wedding Dresses 2012, email, but your put into writing ask. Send back in addition to compared to the issuer you'll be able to undeniably attain rapid outcome. Research earn a all-inclusive reference of the area buyer or other valuable expert services things. Whenever you are happy with most of the premium Prom Dresses, everyone can plan a ending up in a satellite service company to go over details for this struggle. Discover satisfied with very first maintain in mind provided for a person, as there are you need not frustration. The reason is perfect internet based wedding experience tips and hints comes all-inclusive data store of Chattanooga nuptials venues. Pretty much look out for other good offerings as well as get speech marks their particular. , possessing different hailing from totally different reception venue owners is effective . The reason being that it is easy to match up those price and cost several ceremony places for Nashville. Equipped with data enough detailed information online, it's less of a challenge that you choose to choose excellent store that gives the precise enjoy plus affordability. As you are a good investment, it's still possible wise to in my opinion view your hired location. You should state exactly how destination may resemble that you can perfectly organize in addition , put together all the rite or venue. It usually is imperative that you it is match the internet service providers so you're able to research their precious sum professionalism. With the aid of an internet-based wedding experience tips to provide this website help, locating the optimal Knoxville event areas that many match your features has become a much bigger attractive, a lot faster, and a lot of better.

Source: http://weddingdressestips.fullblog.com.ar/how-to-find-nashville-wedding-venues-from-the-internet-relationships.html

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Obama Bailing Out Real Estate Speculators | The Lonely Conservative

On January 24, 2012 President Obama stated in his State of the Union speech ?Millions of Americans who work hard and play by the rules every day deserve a government and a financial system that do the same. It?s time to apply the same rules from top to bottom. No bailouts, no handouts, and no copouts.? He obviously didn?t mean it, seeing that he?s bailing out out real estate speculators who helped inflate the real estate bubble that?s left so many Americans with underwater mortgages.

Bloomberg has the story.

The Obama administration will extend mortgage assistance for the first time to investors who bought multiple homes before the market imploded, helping some speculators who drove up prices and inflated the housing bubble.

Landlords can qualify for up to four federally-subsidized loan workouts starting around May, as long as they rent out each house or have plans to fill them, under the revamped Home Affordable Modification Program, also known as HAMP, according to Timothy Massad, the Treasury?s assistant secretary for financial stability. The program pays banks to reduce monthly payments by cutting interest rates, stretching terms, and forgiving principal. (Read More)

The recipients of this new bailout include house flippers who bought during the height of the bubble, according to the Washington Post.

Until now, the White House had only extended mortgage modification to owner-occupied homes, rather than real-estate investors and landlords?a group that includes the kind of buy-and-flip speculators that fueled the bubble in the first place. At the peak of the bubble, almost half of all new mortgages were linked to investors trying to make money in the states with the biggest housing bubbles, according to a September report by New York Federal Reserve that Bloomberg flags. ?In part by apparently misreporting their intentions to occupy the property, investors took on more leverage.?.?.these marginal borrowers appear to have contributed substantially to both the increasing amount of real estate related debt during the boom, and to the rapid deleveraging and delinquency that accompanied the bust.? (Read More)

The speculators gambled and lost. Now the taxpayers get to bail them out. Lovely.

Update: There?s a related story out there about a Maryland couple living in a $1.29 million McMansion who have never made a payment on the beautiful home, but continue to live there after five years. Check it out at Zero Hedge. Good grief.

Tags: bailout, obama, real estate, speculators

This entry was posted on Monday, March 5th, 2012 at 3:21 pm and is filed under Big Government, Government Spending, Housing. You can follow any responses to this entry through the RSS 2.0 feed.

Source: http://lonelyconservative.com/2012/03/obama-bailing-out-real-estate-speculators/

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Buying Men&#39;s Beachwear for Cancun | New Health and Fitness

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

Heading to Cancun for some beach time is the perfect excuse for a few new additions to the summer wardrobe. Those faded shorts with the broken elastic are really due for the garbage can, so just let them retire. The swim trunks you have had for five years, they are ready for the donation pile. Put away all those well-loved t-shirts, save them for gardening or weekend projects. A well-deserved vacation on the Riviera Maya begins with new threads, however there are a couple of fashion rules to keep in mind.

Still wearing sock with sandals? Stop it right now! No socks are permitted with anything other than athletic shoes, dress shoes or boots. Sandals and flip flops are designed to keep the feet cool in hot weather, while still providing comfort and protection. If you are uncomfortable showing your bare feet, then choose a pair of sandals that cover the entire foot but still have small openings to allow air flow ? and do not wear socks with them. If that is not possible, then stick to regular shoes with socks.

Unless you are a swimsuit model, don?t expect to look like a swimsuit model. Don?t expect that as soon as you hit the beach every other man there will have the physique of a model either. Just be yourself. There is no need to have your back and chest waxed, unless of course you are often mistaken for Big Foot. Then it might be a good idea just to prevent frightening small children and clogged up drains in the resort swimming pools.

Assess your body type before choosing a new set of swim trunks. It may require the assistance of your partner or a friend, but knowing your body type will make it easier to choose a flattering swim suit. For example, if you are tall and skinny do not choose anything with vertical stripes. Horizontal patterns in lighter colors give the illusion of more breadth and girth. Gentlemen on the short and stocky side of the scale should never wear clothing that is either too small or too large. Both extremes only serve to make them look shorter and heavier than they actually are. Instead, choose swim suits with no pleating, and legs that end at mid-thigh. Solid colors or vertical stripes are best.

The most important aspect of choosing new beachwear (shorts, shoes and swim suits) is comfort. If you loath clothes shopping (and most men with a tired wardrobe do), it is time to accept the inevitable and just get it done. Get it done, but get it done properly. Do not go into a store, choose quickly, pay and leave. Try on the items you choose, even if it is exactly the same as what you already own ? clothing manufacturers change the cut of clothing almost every season. So try everything on to ensure maximum comfort and functionality. Only then will you be ready for the fun under the Cancun sun!

BookIt.com is an online travel company determined and dedicated to becoming the leader in providing travelers with the most intuitive online booking experience full of relevant information, helpful guides and travel tips. Find great deals on the grand oasis cancun at BookIt.com!

Source: http://newhealthandfitness.org/2012/03/05/buying-mens-beachwear-for-cancun/

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