Friday, May 31, 2013

Roland-Garros: Gasquet navigue en eaux calmes jusqu'au 3e tour

Roland-Garros: Gasquet navigue en eaux calmes jusqu'au 3e tour: PARIS (Reuters) - Le Français Richard Gasquet, tête de série n°7, a administré vendredi à Roland-Garros une véritable leçon de tennis au Polonais Michal Przysiezny pour se qualifier pour le troisième tour du tournoi parisien.




I'm eric Tchatchoua When starting a productive organization enterprise or launching a new merchandise, most entrepreneurs or organization house owners carry out some sort of marketing analysis to figure out the extent of their potential buyer foundation. And when getting the term out to that consumer base, a lot of business owners could switch to the media to help generate a excitement for them.

Sanofi : l'EMEA blanchit l'insuline glargine

Sanofi : l'EMEA blanchit l'insuline glargine: Pas d'accroissement du risque de cancer...




I'm eric Tchatchoua When starting a productive organization enterprise or launching a new merchandise, most entrepreneurs or organization house owners carry out some sort of marketing analysis to figure out the extent of their potential buyer foundation. And when getting the term out to that consumer base, a lot of business owners could switch to the media to help generate a excitement for them.

Alcatel's One Touch Idol now available in the US for $300 unlocked

Alcatel's One Touch Idol now available in the US for $300 unlocked:

Alcatel announced today that its One Touch Idol smartphone is now available for the US market, but without a carrier. Weighing in at only 110 grams, the supposed "world's lightest" handset will be sold unlocked for $300 via the company's website. Meant as an entry-level device, the specs betray its low-end status: you get a 4.7-inch qHD (960 x 540) IPS display, 512MB RAM, 4GB internal storage, an 8-megapixel camera and a 1.2GHz dual-core CPU with Android 4.1 in tow. Still, its quad-band GSM and 900 / 2100 MHz HSPA bands mean it'll work with either AT&T or T-Mobile, which should be good news to those who want carrier flexibility. If that sounds like a bargain to you, head on over to the source below to snag one for yourself.
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Source: Alcatel


Good morning everyone on this blog you will find free resources about network marketing, MLM is to say that the concept has been adapted to promote almost exclusively on Internetproduces The Most Love In The World You Will Find Many product Has the One in the march say hello while Day visit website

Tim Cook: Apple will open up its APIs (update: video)


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Tim Cook: Apple will open up its APIs (update: video):
Tim Cook Apple will open up its APIs

Tim Cook's had a lot to say today at D11, from talking about wearables to the next versions of iOS and OS X, and he just gave devs for those software platforms a bit of good news. That's right, folks, Tim Cook has pledged that Apple will open up its APIs more, but "not to the degree that we put the customer at risk of having a bad experience." When pressed about giving developers the ability to build better experiences and present customers with more choice -- like say, having access to Swype or SwiftKey -- Cook defended Apple's current, more restrictive policies saying that "the customer pays us to make certain choices on their behalf." So there you have it, the folks at Apple only let you use the stock software keyboard on your iPhone because you paid them to do so.

Update: Check out the video of Tim Cook's statements after the break

Follow along with our D11 liveblog right here.
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Good morning everyone on this blog you will find free resources about network marketing, MLM is to say that the concept has been adapted to promote almost exclusively on Internetproduces The Most Love In The World You Will Find Many product Has the One in the march say hello while Day visit website

Google brings nutrition information for more than 1,000 food items to search

Google brings nutrition information for more than 1,000 food items to search:
Google brings nutrition information for more than 1,000 food items to search

Google can already answer plenty of questions for you without requiring you to delve into the actual search results, and you can now add yet one more category to its knowledge base. The company's today announced that it can answer a range of nutrition-related questions for over 1,000 different food items -- everything from the amount of protein in a particular fruit or vegetable to the number of calories in a given dish. That naturally works in both mobile and desktop search, but it will remain confined to the US (and English answers only) for the time being. Google says you can expect it to roll out over the next ten days, and promises that it will be adding "more features, foods, and languages" over time.
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Source: Google Inside Search

I'm eric Tchatchoua When starting a productive organization enterprise or launching a new merchandise, most entrepreneurs or organization house owners carry out some sort of marketing analysis to figure out the extent of their potential buyer foundation. And when getting the term out to that consumer base, a lot of business owners could switch to the media to help generate a excitement for them.

Wednesday, May 29, 2013

5 Ways Student Loans Can Hurt Middle-Class Kids

5 Ways Student Loans Can Hurt Middle-Class Kids:
Student loans are supposed to help middle-class kids pay for a college education, but these days they can do more harm than good. It’s high time we did something about that.
If you imagine a world where the federal government and private lenders actually partner with students, instead of treating them as a profit center, have I got a bridge investment deal for you.
Riddle me this: Why should middle-class students pay more for loans than is absolutely necessary, all the while padding the government’s coffers and enabling state universities to build facilities that the students will only get to use for four years?
The answer: they shouldn’t.
While no doubt there are more, here are five instances where middle-class kids are getting hosed on their student loans and student loan debt.
[Related Article: The Ultimate Guide to Student Loans]

The $50 billion heist.

As Washington prepares for another epic battle over keeping federal Stafford loan rates at 3.4 percent rather than allowing them to double to 6.8 percent, an important fact goes overlooked: Stafford loans are already a significant profit center for the feds.
Indeed, these loans earn Uncle Sam some 36 cents for every dollar it puts out. Bottom line: the government will reap $50.6 billion in profit from federal student loans in 2013 alone.
So instead of arguing for weeks over whether we should hold the line on Stafford interest rates, perhaps the debate is better focused on how we might cut them to a level sufficient to cover administrative costs and provide a slight cushion.
That should help to make college more affordable for the middle class.

Student loans fund tuition inflation.

Average college debt has grown from $9,188 in 1993 to$35,200 now.
Here’s the dirty little secret why colleges and universities charge so much: Because they can. Their operating budgets are funded largely by student loans, which are repaid by students themselves.
So why not pay your college president $3 million a year, spend $194 million to build or renovate a football stadium, or “invest” $70 million in a pool?
Experts have suggested a panoply of solutions, including capping the maximum loan amount available to people who plan to pursue low-paying majors such as art history, or making student loans pay for education only, and not facilities like dorms, arenas or sports stadiums.
Whatever the solution, we have to stop this crazy cycle before it shuts the middle class out of college entirely.
[Related Article: Can You Really Get Your Credit Score for Free?]

Till death do us part…really!

You can never shake student loans, because unlike other types of loans they cannot be discharged in bankruptcy (with a few rare exceptions).
It doesn’t matter if you get laid off, are financially devastated by the illness or death of the family breadwinner or take up residence in your car. Student lenders will hound you until your last breath or they are repaid, whichever comes first.
This change to the bankruptcy laws was originally conceived to protect taxpayers, who otherwise would be on the hook if (and when) borrowers default on federal loans.
After years of aggressive lobbying, private lenders eventually won the same benefit, i.e., they have the same risk of not getting repaid: Essentially zero. Yet they still charge a premium.
Mitchell Weiss is a finance professor at University of Hartford and says he regularly counsels students whose private loans boast 12% or 15% interest rates. The same loan from the government costs a quarter of the price.
It’s the cornerstone of credit that interest rates are based on risk: the higher the risk that a borrower won’t pay a debt, the higher his or her interest rate.
Private lenders flout this rule, pumping more money into the higher education system and driving tuition inflation.
Maybe it’s time for private lenders to play by the rules. Lending means risk. If they are unwilling to accept that risk, perhaps they should open a chain of newsstands.

Limited tax benefit.

When you get a mortgage, the federal government allows you to deduct the interest on your taxes to help incentivize homeownership.
Having a well-educated population is no less important to our nation’s future than buying a house. We should demand that student loans get the same tax treatment.
Currently, only people who earn below $75,000 can write off a portion of their student loan interest. That’s a problem.
If you graduated from an expensive school, you may owe $100,000 or more in student debt — as much as many mortgages. But even if you get a good-paying job, you could face a crippling student loan payment every month.
It’s a slippery slope from there to a tepid economy, because if all of your money is going to pay rent and service student loan debt, you’re not going to be in a position to buy a house, a car, and/or all the other things that put “consumer” into our consumer economy.
Let’s change this, and give student loans the same tax benefits that apply to mortgages.
[Related Article: How to Student Loans Affect Your Credit?]

Forbearance = Tightening the Screws.

Many people who are having trouble paying their student loans mistakenly assume that forbearance is just another word for free.
Weiss says he works with students all the time who believe all they have to do is fill out a form, and their payments magically go away.
In fact, forbearance can cost student loan borrowers a great deal of money. The entire time their loans are in forbearance, the interest keeps accruing, and is being added to the principal. Over time, that can make even small loans balloon into Behemoths.
In many cases, forbearance is the only option most private student lenders offer distressed borrowers, even though they can offer other alternatives like loan restructure or modification.
But hey, why would they when bankruptcy rules essentially guarantee full repayment? Clearly, this needs to change.
First, eliminating the “Render to Caesar what is Caesar’s” lending environment and allowing student loans to be discharged in bankruptcy will bring private student lenders to the bargaining table, cause them to offer a host of reasonable options and force everyone to make smarter choices.
Second, let’s expand the Pay As You Earn Repayment (PAYER) plan, the federal program that in many cases caps monthly student loan payments to a percentage of the borrower’s income.
We should include all private loans, as well as borrowers who are seriously behind on their payments. These are precisely the people in most dire need of help.
America has always been the land of “What’s next?” Washington’s failure to adequately address suffocating student debt, where few have had any incentive to act differently, represents “what was,” cripples millions of Americans and stifles economic growth.
This is an op-ed contribution to Mint.com and does not necessarily represent the views of the company.
“5 Ways Student Loans Can Hurt Middle-Class Kids” was written by , chairman and co-founder of Credit.com and Identity Theft 911. His experience as former director of the New Jersey Division of Consumer Affairs gives him unique insight into consumer privacy, legislation and financial advocacy. He is a nationally recognized expert on identity theft and credit.



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Food Storage 101: How to Properly Store Meat, Dairy, and Produce for Maximum Savings

Food Storage 101: How to Properly Store Meat, Dairy, and Produce for Maximum Savings:
When summer farmer’s markets start filling up, it’s easy to buy too much of a good thing. Or at least, too much for your family to eat before it goes bad.
In fact, Americans throw out 14% of the food they buy, not counting table scraps and leftovers, according to government estimates. But you can easily cut that figure back.
Step 1: Become a better meal planner, which allows for better assessments of how much to buy.
Step 2: Organize your pantry and refrigerator to better showcase ingredients, so that lunch meat never gets lost in the back of the fridge.
Step 3: Figure out the typical shelf life for items you buy, so you know what’s on the critical must-cook list, and what can wait until tomorrow.
For help, try our handy (updated) storage guide below, compiled with data from the USDA, SeriousEats.com, Massachusetts Department of Agricultural Resources, Food52, LifeHacker, FoodSafety.gov, MealsMatter.org, Self magazine and the Food Marketing Institute, among other sources:

Meats

Beef
Store on the bottom shelf in the fridge. As a general rule of thumb, ground meat keeps well for one to two days, and roasts and steaks are safe for three to five days.
Poultry
Store on the bottom shelf in the fridge, with a few paper towels underneath to catch any drips. Keep no more than one to two days.
Fish
Store in the coldest part of the fridge for no more than two days, according to the University of Arizona. Even there, it’ll keep better on a bed of ice.
Pork
Store on the bottom shelf in the fridge. Per USDA guidelines, fresh pork liver and other organ meats can be safely refrigerated for one to two days; roast, steaks, chops and ribs for three to five days.
Prepared Meats
Once opened, a package of hot dogs can be safely refrigerated for up to a week. (Unopened packs can last for up to two weeks.) Deli-sliced lunch meats stay fresh for three to five days, and bacon, up to seven days.

Dairy

Milk
Keep milk and other dairy items at the back of the fridge’s top shelf, where the temperature is more constant. That keeps them fresher longer.
Cheese
Wrap in waxed paper and then place in a plastic bag. Stored in the fridge, it can last five to eight days.
Eggs
Don’t use the handy egg-specific door storage. Store in their carton, on a fridge shelf, where they can last up to five weeks. 

Produce

Apples
Store on the counter. Move any uneaten apples to the refrigerator after seven days. In the fridge or out, don’t store near most other uncovered fruits or vegetables — the ethylene gases produced by apples can ruin them (making carrots bitter, for example). The exception: if you want to ripen plums, pears and other fruits quickly, put an apple nearby for a day or so.
Artichokes
Refrigerate in the vegetable crisper whole for up to two weeks.
Asparagus
Store upright in the refrigerator in a plastic bag with either an inch of water or with a damp towel wrapped around the base, just like you would have flowers in a vase. They’ll last three to four days that way.
Avocados
Ripen on the counter. Can be stored in the refrigerator for three to four days once ripe.
Bananas
Store on the counter. Refrigerate only when ripe — they’ll last for another two days or so.
Beets
Remove green tops an inch or two above the crown. Refrigerate beets in a plastic bag to prevent moisture loss, which leads to wilting. (They’ll last seven to 10 days.) Refrigerate greens separately, also in a plastic bag. Best in the vegetable crisper.
Berries
Grower Driscoll’s recommends refrigerating berries in the crisper, unwashed and in their original container. Blueberries and strawberries should keep for five to seven days; more fragile raspberries and blackberries up to two days.
Broccoli
Refrigerate in the vegetable crisper in a sealed plastic bag. It’ll keep for three to five days.
Carrots
Refrigerate in the vegetable crisper in a sealed plastic bag for up to three weeks.
Cauliflower
Refrigerate in the vegetable crisper, stem side down, in a sealed plastic bag. It’ll last three to five days.
Celery
Refrigerate in the vegetable crisper one to two weeks in a sealed bag. Keep in the front of the refrigerator, where it’s less apt to freeze.
Citrus fruits
Store oranges, lemons, limes, and grapefruit on the counter. They can last up to two weeks.
Corn
Refrigerate ears still in the husk. They’ll last up to two days.
Cucumbers
Refrigerate, either in the crisper or in a plastic bag elsewhere in the fridge. They’ll last four to five days.
Garlic
Store in the pantry, or any similar location away from heat and light. It’ll last up to four months.
Green beans
Refrigerate in the vegetable crisper in a plastic bag for three to four days.
Green onions
Refrigerate in the vegetable crisper for up to two weeks.
Herbs
Fresh herbs can last seven to 10 days in the refrigerator. Store in air-tight containers with a damp paper towel on the top and bottom.
Leafy greens
Refrigerate unwashed in the vegetable crisper. Full heads will last five to seven days that way, instead of three to four days for a thoroughly drained one. Avoid storing in the same drawer as apples, pears or bananas, which release ethylene gases that act as a natural ripening agent.
Mushrooms
Take out of the package and store in a paper bag in the refrigerator, or place on a tray and cover with a wet paper towel. They’ll last two to three days.
Onions
Stored in the pantry, away from light and heat, they’ll last three to four weeks.
Peaches
Ripen on the counter in a paper bag punched with holes, away from sunlight. Keep peaches (as well as plums and nectarines) on the counter until ripe, and then refrigerate. They’ll last another three to four days.
Pears
Store on the counter, ideally, in a bowl with bananas and apples, and then refrigerate after ripening. They’ll last another three to four days.
Peas
Refrigerated in the vegetable crisper in a plastic bag perforated with holes, they’ll last three to five days.
Peppers
Refrigerated in the vegetable crisper, they’ll last four to five days.
Potatoes
Store them in the pantry away from sunlight and heat, and they’ll last two to three months.
Radishes
Refrigerate in the vegetable crisper. They’ll last 10 to 14 days.
Summer squash
Refrigerate in a perforated plastic bag. They’ll last four to five days.
Tomatoes
Spread them out on the counter out of direct sunlight for even ripening. After ripening, store stem side down in the refrigerator and they’ll last two to three days.
Tropical fruit
Mangoes, papayas, pineapples and kiwi fruit should be ripened on the counter.
Watermelon
Kept at room temperature on the counter, it’ll last up to two weeks.
Winter squashes
Store on the counter for up to two weeks.
Frugal Foodie is a journalist based in New York City who spends her days writing about personal finance and obsessing about what she’ll have for dinner. Chat with her on Twitter through @MintFoodie.


I'm eric Tchatchoua When starting a productive organization enterprise or launching a new merchandise, most entrepreneurs or organization house owners carry out some sort of marketing analysis to figure out the extent of their potential buyer foundation. And when getting the term out to that consumer base, a lot of business owners could switch to the media to help generate a excitement for them.

5 Ways Student Loans Can Hurt Middle-Class Kids

5 Ways Student Loans Can Hurt Middle-Class Kids:
Student loans are supposed to help middle-class kids pay for a college education, but these days they can do more harm than good. It’s high time we did something about that.
If you imagine a world where the federal government and private lenders actually partner with students, instead of treating them as a profit center, have I got a bridge investment deal for you.
Riddle me this: Why should middle-class students pay more for loans than is absolutely necessary, all the while padding the government’s coffers and enabling state universities to build facilities that the students will only get to use for four years?
The answer: they shouldn’t.
While no doubt there are more, here are five instances where middle-class kids are getting hosed on their student loans and student loan debt.
[Related Article: The Ultimate Guide to Student Loans]

The $50 billion heist.

As Washington prepares for another epic battle over keeping federal Stafford loan rates at 3.4 percent rather than allowing them to double to 6.8 percent, an important fact goes overlooked: Stafford loans are already a significant profit center for the feds.
Indeed, these loans earn Uncle Sam some 36 cents for every dollar it puts out. Bottom line: the government will reap $50.6 billion in profit from federal student loans in 2013 alone.
So instead of arguing for weeks over whether we should hold the line on Stafford interest rates, perhaps the debate is better focused on how we might cut them to a level sufficient to cover administrative costs and provide a slight cushion.
That should help to make college more affordable for the middle class.

Student loans fund tuition inflation.

Average college debt has grown from $9,188 in 1993 to$35,200 now.
Here’s the dirty little secret why colleges and universities charge so much: Because they can. Their operating budgets are funded largely by student loans, which are repaid by students themselves.
So why not pay your college president $3 million a year, spend $194 million to build or renovate a football stadium, or “invest” $70 million in a pool?
Experts have suggested a panoply of solutions, including capping the maximum loan amount available to people who plan to pursue low-paying majors such as art history, or making student loans pay for education only, and not facilities like dorms, arenas or sports stadiums.
Whatever the solution, we have to stop this crazy cycle before it shuts the middle class out of college entirely.
[Related Article: Can You Really Get Your Credit Score for Free?]

Till death do us part…really!

You can never shake student loans, because unlike other types of loans they cannot be discharged in bankruptcy (with a few rare exceptions).
It doesn’t matter if you get laid off, are financially devastated by the illness or death of the family breadwinner or take up residence in your car. Student lenders will hound you until your last breath or they are repaid, whichever comes first.
This change to the bankruptcy laws was originally conceived to protect taxpayers, who otherwise would be on the hook if (and when) borrowers default on federal loans.
After years of aggressive lobbying, private lenders eventually won the same benefit, i.e., they have the same risk of not getting repaid: Essentially zero. Yet they still charge a premium.
Mitchell Weiss is a finance professor at University of Hartford and says he regularly counsels students whose private loans boast 12% or 15% interest rates. The same loan from the government costs a quarter of the price.
It’s the cornerstone of credit that interest rates are based on risk: the higher the risk that a borrower won’t pay a debt, the higher his or her interest rate.
Private lenders flout this rule, pumping more money into the higher education system and driving tuition inflation.
Maybe it’s time for private lenders to play by the rules. Lending means risk. If they are unwilling to accept that risk, perhaps they should open a chain of newsstands.

Limited tax benefit.

When you get a mortgage, the federal government allows you to deduct the interest on your taxes to help incentivize homeownership.
Having a well-educated population is no less important to our nation’s future than buying a house. We should demand that student loans get the same tax treatment.
Currently, only people who earn below $75,000 can write off a portion of their student loan interest. That’s a problem.
If you graduated from an expensive school, you may owe $100,000 or more in student debt — as much as many mortgages. But even if you get a good-paying job, you could face a crippling student loan payment every month.
It’s a slippery slope from there to a tepid economy, because if all of your money is going to pay rent and service student loan debt, you’re not going to be in a position to buy a house, a car, and/or all the other things that put “consumer” into our consumer economy.
Let’s change this, and give student loans the same tax benefits that apply to mortgages.
[Related Article: How to Student Loans Affect Your Credit?]

Forbearance = Tightening the Screws.

Many people who are having trouble paying their student loans mistakenly assume that forbearance is just another word for free.
Weiss says he works with students all the time who believe all they have to do is fill out a form, and their payments magically go away.
In fact, forbearance can cost student loan borrowers a great deal of money. The entire time their loans are in forbearance, the interest keeps accruing, and is being added to the principal. Over time, that can make even small loans balloon into Behemoths.
In many cases, forbearance is the only option most private student lenders offer distressed borrowers, even though they can offer other alternatives like loan restructure or modification.
But hey, why would they when bankruptcy rules essentially guarantee full repayment? Clearly, this needs to change.
First, eliminating the “Render to Caesar what is Caesar’s” lending environment and allowing student loans to be discharged in bankruptcy will bring private student lenders to the bargaining table, cause them to offer a host of reasonable options and force everyone to make smarter choices.
Second, let’s expand the Pay As You Earn Repayment (PAYER) plan, the federal program that in many cases caps monthly student loan payments to a percentage of the borrower’s income.
We should include all private loans, as well as borrowers who are seriously behind on their payments. These are precisely the people in most dire need of help.
America has always been the land of “What’s next?” Washington’s failure to adequately address suffocating student debt, where few have had any incentive to act differently, represents “what was,” cripples millions of Americans and stifles economic growth.
This is an op-ed contribution to Mint.com and does not necessarily represent the views of the company.
“5 Ways Student Loans Can Hurt Middle-Class Kids” was written by , chairman and co-founder of Credit.com and Identity Theft 911. His experience as former director of the New Jersey Division of Consumer Affairs gives him unique insight into consumer privacy, legislation and financial advocacy. He is a nationally recognized expert on identity theft and credit.



Good morning everyone on this blog you will find free resources about network marketing, MLM is to say that the concept has been adapted to promote almost exclusively on Internetproduces The Most Love In The World You Will Find Many product Has the One in the march say hello while Day visit website

Abuse of state advertising for political ends in Slovakia | space for ...

Abuse of state advertising for political ends in Slovakia | space for ...: All this is likely to tempt politicians to give more advertising to their favorite media. A recent study by Corvinus University of Budapest researchers showed just such a pattern for Hungary. Two recent national elections provided ...

Good morning everyone on this blog you will find free resources about network marketing, MLM is to say that the concept has been adapted to promote almost exclusively on Internetproduces The Most Love In The World You Will Find Many product Has the One in the march say hello while Day visit website

Media Watch: Rahm uses Golden Apple announcement for another ...

Media Watch: Rahm uses Golden Apple announcement for another ...: from Substance News –. Chicago Mayor Rahm Emanuel used the announcement of the annual Golden Apple awards to hold another school based publicity stunt and get his version of reality into the newspapers, sending out ...

I'm eric Tchatchoua When starting a productive organization enterprise or launching a new merchandise, most entrepreneurs or organization house owners carry out some sort of marketing analysis to figure out the extent of their potential buyer foundation. And when getting the term out to that consumer base, a lot of business owners could switch to the media to help generate a excitement for them.