Exactly what ?business? is Joe Biden involved in? (Michellemalkin)

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Florida and Massachusetts Shut Down More Compounding Pharmacies

Following on the heels of the state of Massachusetts, where officials announced on Sunday that they had shuttered a third compounding pharmacy for alleged health and safety violations, Florida officials announced on Monday that they have closed down their first compounding pharmacy. According to a report by Reuters, Rejuvi Pharmaceuticals, which is based in Boca Raton, violated "a number" of health regulations.

The news follows a crackdown on the operations of compounding pharmacies across the United States in the wake of the meningitis outbreak caused by tainted injectables that had been compounded by the New England Compounding Center in Massachusetts. The tainted injectables, which contained a particular variety of fungus, have now been linked to more than 354 cases of infection and 25 deaths, according to reports by NBC News and other media outlets.

Here is some of the key information regarding the crackdown on compounding pharmacies that continues around the U.S.

* The FDA released an official statement on Oct. 26 regarding the agency's investigation into the New England Compounding Center (NECC). Among the FDA's findings were several instances where company officials noted the presence of mold and bacteria in the center's "clean room," a situation that remained unaddressed for much of the year. The FDA also noted that the NECC violated regulations pertaining to the dispensing of prescription drugs.

* The FDA announced in its statement that the NECC had been issued a Form 483, which is an official document stating that agency inspectors "believe that they observed conditions or practices" which could point to major health violations.

* The agency did caution in its press release that a Form 483 is not a "final FDA determination," and that its investigation into the meningitis outbreak is ongoing. NECC has been stripped of its license and has shut its doors.

* Massachusetts health officials, who had noted violations by NECC prior to the meningitis outbreak, have cracked down on other compounding pharmacies in the state. The Massachusetts branch of Infusion Resource is the latest compounding pharmacy to be shut down after surprise inspections turned up possible violations, according to a New York Times report on Sunday.

* Massachusetts Gov. Deval Patrick had ordered state health officials to begin conducting unannounced inspections of compounding pharmacies in the state that deal specifically with injectable medications last week, after preliminary reports indicated that state regulations governing such facilities were "insufficient," as quoted by the New York Times.

* According to Monday's report by NBC News, Rejuvi Pharmaceuticals in Florida was shut down by state health officials for multiple violations, which included concerns regarding the "cleanliness of the prescription department" and "the compounding of medications," among other violations.

* Rejuvi had reportedly been cited for the same issues before, and the most recent inspection concluded that the problems had not been addressed after they were brought to the company's attention.

Vanessa Evans is a musician and freelance writer based in Michigan, with a lifelong interest in health and nutrition issues.

Source: http://news.yahoo.com/florida-massachusetts-shut-down-more-compounding-pharmacies-154200238.html

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Guide to Most Popular ETFs - Zacks.com - Zacks Investment Research

The ETF industry has come a long way from the time when the ETFs were first launched as investment tools to gain exposure to different asset classes. Since then, many ETFs came into existence, of which many could not survive in the industry and had to be shut down. So what could be the possible reason behind those ETFs which were launched only to be shut down later?

We can say that ETFs are more about numbers like AUM, volume, number of holdings, etc. So, which one of these numbers keeps an ETF going? Is it asset under management which indicates whether the fund will continue to exist or its average daily volume? (Ten Biggest U.S. Equity Market ETFs)

Undoubtedly volume is an important consideration in the investment process, especially for traders who get in and out of a particular security very frequently. For these traders, high volume levels can help keep bid-ask spreads low and thus reduce the total cost of trading. (Guide to the 25 Most Liquid ETFs)

But it should be noted that a fund?s very existence depends to a large extent on its asset under management. Generally, for a fund asset under management of or over $100 million work as a threshold for any sponsor?s profitability. While big fund houses may be able to run their ETFs with low AUM for years, it becomes really difficult for small fund house.

Although AUM and volume both play crucial roles in any fund?s existence, it is finally the return from the fund which influences any investor?s decision. Still, the funds that have managed to attract a large amount of assets indicate that they are popular with the investors due to their past performance and expectations for future performance. Investors looking to invest in ETFs with very high AUMs (more than 30 billion) as criteria have the following options available.

SPDR S&P 500 (SPY)

Initiated in January 1993, SPY is the king in the ETF world, with the highest asset under management. It manages an asset base of $118.4 billion. The most popular fund among investors, SPY seeks to invest its heavy asset base in a basket of 500 stocks and trades with an average trading volume of about 135 million shares. The fund also has an edge in expenses as it charges a fee of just 0.09% annually. (Guide to the 25 Cheapest ETFs)

The weighting towards the top 10 holdings is also moderate as just 21.4% of the huge asset base goes towards them. This implies that the fund?s asset allocation is not limited to the top 10 holdings but is spread out among other companies as well. ?Apple Inc. (AAPL) takes the top position in the top 10 holdings list with an asset allocation of 4.9%. Among others, the fund does not invest more than 3.3% in any one holding.

Among sector allocation, the fund gives double-digit allocation to the top 5 sectors with information technology being the most preferred sector in the list with an asset allocation of 20.1%.

Vanguard MSCI Emerging Markets ETF (VWO)

This Vanguard ETF looks to tap the growing emerging markets which not only have greater growth potential but also lower correlation with their developed market counterparts. (Three Overlooked Emerging Market ETFs)

This ETF tracks the MSCI Emerging Markets Index in order to provide exposure to a basket of stocks across various developing nations. The product has proven to be extremely popular with investors.

The proof is in the $67.1 billion under management in the fund, while trading volume is more than 18 million shares a day. Also, the cost appears to be minimal at 20 basis points, especially when compared to other emerging market ETFs.

In terms of a portfolio, VWO provides access to 902 securities in its basket and does not allocate more than 3.9% to any one stock. This suggests that the product is well diversified from an individual security perspective and is unlikely to face company specific risk. (Three Emerging Market ETFs to Limit BRIC Exposure)

With regard to country exposure, China takes the top spot at 17.3% of assets, followed by 14.4% in Korea, 15.2% in Brazil, and a 10.7% allocation to Taiwan.

SPDR Gold Shares (GLD)

For a bullion-backed approach to gold ETF investing, investors can look to SPDR Gold Shares. GLD is the ETF which is backed by physical metal and holds the metal in the form of bullion or ingots.

Investing through GLD in gold represents a cost-effective and suitable mode for investors. It is expected that the transaction costs for buying and selling the shares will be lower than purchasing, storing and insuring physical gold for most investors (Has The Junior Gold Mining ETF Lost Its Luster?).

This ETF is designed to track the spot price of Gold bullion. GLD ?is an ETF rich in AUM as it has $75.9 billion asset under management and is one of the most liquid options available in gold ETF investing trading with volumes of 7 million a day. The fund charges a fee of 40 basis points annually.

iShares MSCI EAFE Index Fund ETF (EFA)

For investors seeking a broad exposure to developed markets around the world outside of the U.S. and Canada should invest in EFA. EFA tracks the MSCI EAFE Index and provides exposure to companies specifically in Europe, Australia, and the Far East (Seven Biggest International Equity ETFs).

This product manages an asset base of $36.7 billion and is an extremely liquid option available to investors as traded volume on a normal day is more than 14 million. So this product is rich in both AUM and volume.

The fund seeks to invest this asset base in a large basket of 926 stocks and is immune to company specific risk with just 13.4% of assets in the top 10 holdings. Among sector breakdown, the fund is a bit tilted towards financials in which it put in 23.4% of the asset base. Among others the fund does not invest more than 12.3% in any stock.

From a country perspective, United Kingdom takes the top spot at 22.8% of assets, just edging out Japan. The fund charges an expense ratio of 34 basis points on an annual basis.

MSCI Emerging Markets Index Fund (EEM)

For a broad play on the emerging market space, EEM presents a compelling choice to the investors looking to tap the emerging markets (Get True Emerging Market Exposure With These Three ETFs).

The fund managed to build an impressive asset base of $37.4 billion and is also rich in volume trading with volumes of more than 36 million on a normal day. The ETF charges investors 67 basis points in fees for its services. .

It represents a solid pick for long-term investors as it has a well diversified portfolio that doesn?t put more than 3.8% in any one security. Sector exposure, however, is tilted towards financials, information technology, energy and materials where each of them accounts for double-digit allocation.

For countries, China takes the top spot at just about 17% of the total, followed by a 15% allocation to South Korea and a 13% holding in Brazilian firms.

iShares S&P 500 Index Fund (IVV)

Investors seeking for exposure in the large capitalization sector of the U.S. equity market or S&P 500 should look to invest in IVV. IVV trades with an asset base of $32.8 billion.

This produces a product which is home to a large basket of 502 large cap stocks with a spread out holding pattern as it just allocates 21.3% to the top 10 holdings. Apple takes the top spot in the top 10 holdings closely followed by Exxon Mobil and General Electric.

The fund does not appear to be biased towards any particular sector and gives double-digit allocation to almost all the sectors except the last four. The fund also has an edge in expenses as it just charges 9 basis points annually.

Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report >>??

Source: http://www.zacks.com/stock/news/85506/guide-to-most-popular-etfs

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Death toll from meningitis outbreak hits 24

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The Thredbo Mountain Bike Boom Begins. | Thredbo ...

The Thredbo Mountain Bike Boom Begins.

Mountain Biking in Thredbo has just turned the corner. Until now the resort operator Kosciusko Thredbo (KT), ?has only had an?arms-length?involvement with mountain biking, providing the chairlift access and direction on where and how people can ride on the mountain. ?The ?daily operation and much of the trail?development?has been left to?independent?operators like South East Mountain Biking and before them Raw NRG. ?These operators have done some great things with the sport in Thredbo but they have never had the resources or the capacity to take the trail development to the next level. ? That all changed this week when ?KT officially took over the operation of Mountain Bike activities in the resort and they have big plans. ?Operating as Thredbo MTB ?they have already engaged ?a world renowned Mountain Bike trail builder, ??World Trails? to produce ?a Mountain Bike Concept ?plan for the resort ?that will see the ?trail network expand dramatically ?into a world class trail network that make Thredbo an Iconic Mountain Bike destination. ? ? This summer we will see the first wave of this new trail?development?with the opening of ?a brand new ??Flow? track. ?The Flow track will make it ? possible for any competent mountain biker to ride the Chairlift and enjoy downhill riding on the mountain without having to face some of the more technical challenges that have kept the experts coming back.

Thredbo MTB will continue to the run ?Mountain bike events ?in the village as well as the services needed to keep bikes rolling so ?South East Mountain Biking?s ?Dynamic Duo Tim Windshuttle and Danny Taliana ?will be ?back to run these operations for ?Thredbo MTB and ensure that the new venture gets off to a great start. ?Thredbo MTB already has the following ?events locked in for the coming season:

1. ?Round #5 ?of the NSW State Championships; 17th & 18th Nov
2. Round #2 National MTB Series Championships; 8th ? 10th Feb 2013
3. Australian MTB Interschool?s; 15th ? 17th Mar 2013

Back to Lantern News

Source: http://www.lanternapartments.com.au/2012/10/24/the-thredbo-mountain-bike-boom-begins/?utm_source=rss&utm_medium=rss&utm_campaign=the-thredbo-mountain-bike-boom-begins

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Calling hours held for Oneida Mayor

ONEIDA, N.Y. -- People paid their respects to a local leader who passed away. Calling hours were held for Oneida's Mayor on Tuesday.

Don Hudson died after a long battled with an illness, he was 56. Hudson worked for the city for many years, first as a firefighter, and later as a fire chief. He was elected as Mayor in 2011.

Calling hours will continue on Wednesday from 10:00 a.m. until 2:00 p.m. at the Kallet Civic Center. His funeral will be held at the Civic Center following calling hours on Wednesday.

Source: http://centralny.ynn.com/content/top_stories/606827/calling-hours-held-for-oneida-mayor

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Xperia TL comes to AT&T - Know Your Cell

Want to make calls like James Bond? Well, the Sony Xperia TL will be prominently featured in the upcoming Bond film Skyfall and the Android phone will also be landing on AT&T on Nov. 2 for $99.99 with a new, two-year contract.?

The Sony Xperia TL will sport a 4.6-inch HD Reality Display, which utilizes technology from Sony's Bravia television division. You get 1280 x 720 resolution and it will likely be a fantastic screen

The Sony Xperia TL will launch with Android Ice Cream Sandwich and Sony's custom user interface. This should be a good experience but we can't help but wish it launched with Android Jelly Bean. However, we do know that an update will definitely come.

Look for all the other goodies you'd expect from the Sony Xperia TL including GPS, Wi-Fi, DLNA, NFC and the capability to use AT&T's 4G LTE network. The handset will land in a couple weeks, so check out the promotional video AT&T put together to show off the Xperia TL.?

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Source: http://www.knowyourcell.com/news/1650249/sony_xperia_tl_comes_to_att_nov_2.html

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5 Things to Watch for in the Presidential Debate

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Current Artist Tom Peffers ? Poem on Fall : Ca?on Current

Tom Peffers joined us again in the Current studio to read a new poem on fall. Mr. Peffers has been featured before as the featured artist for his series of poems on family. Enjoy the following poem, and if you are a local Fremont poet, contact us and let us hear your voice as well.

Category: Arts & Entertainment, News

Source: http://www.canoncurrent.com/current-artist-tom-peffers-poem-on-fall/

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Priorities USA Will Focus on Romney?s Bain Record in Closing Stretch

Priorities USA Action, the chief Democratic super PAC supporting President Obama, will close out the campaign season by reprising a television ad about a man who lost his job as a result of decisions made by Bain Capital while Republican nominee Mitt Romney ran it.

The super PAC ran $20 million in ads throughout the summer to highlight the negative impact of layoffs at companies that were shuttered during Romney?s tenure as head of the venture capital firm. In focus groups with Ohio voters this week, Priorities determined that the most effective ad of the campaign was ?Stage,? in which Mike Earnest talks about building a stage from which company officials announced the termination of his job.

?Turns out that when we built that stage it was like building my own coffin, and it just made me sick,? Earnest says in the ad.

?Participants were able to describe it in detail and recall the emotional impact it had on them, despite the fact that it had not run in that market for over six weeks,? Priorities said in a memo about its closing strategy.

The group will pour millions of dollars into re-running the ad in seven swing states: Colorado, Florida, Iowa, Ohio, Nevada, Virginia and Wisconsin. It will also run a slate of new ads that feature similar personal stories, which will complement a separate $30 million ad buy that seeks to portray Republican policies in a negative light. On top of television advertising, the group is launching what it terms an ?aggressive? online effort to target voters who are more engaged on the Internet than through TV advertising.

?From now until Election Day, we will make sure that voters understand that Mitt Romney?s promise to apply his business experience to Washington would mean policies that benefit the very wealthiest like himself at the expense of middle-class families,? the memo reads. ?The Americans best equipped to share that story are those who have already heard Romney?s broken promises and experienced the devastating impact.?

Independent polling conducted by news organizations over the summer was split on whether the personal attacks against Romney?s record at Bain worked. But Priorities released internal polling in July conducted by a Democratic firm that showed the GOP nominee?s favorability declining in five key battleground states where its ads had run.

Source: http://news.yahoo.com/priorities-usa-focus-romney-bain-record-closing-stretch-080005700--politics.html

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Mayer plans to take Yahoo back to its roots

Stephen Lam / Reuters

Yahoo! Chief Executive Marissa Mayer is taking the struggling company back to its roots in tech and tools.

By Nadia Damouni and Alexei Oreskovic, Reuters

Marissa Mayer, who earned a reputation for decisive action and intensity during her 13-year stint at Google Inc, has spent her first months as Yahoo Inc CEO quietly moving the Internet pioneer back to its roots in technology.

Long torn between whether it should focus on media content or on tools and technologies, Yahoo under Mayer is being positioned firmly in the latter camp, according to sources inside and outside the company.

Her hires, acquisition musings, and other early moves hint at an ambitious, technology-driven comeback plan designed to revitalize aging but well-trafficked properties such as Yahoo Mail, Yahoo Finance and Yahoo Sports.

Yahoo has been criticized for allowing these sites to stagnate - they look very much like they did five years ago, and do not have many bells and whistles to encourage users to spend more time on them.

Mayer, 37, wants to make Yahoo's properties much more interactive, on PCs and on mobile devices, using social media tools to personalize the user experience and new technology to boost advertising sales. Her well-known focus on user design is expected to result in a simpler, less-cluttered email and home page, one source said.

Yahoo declined to comment for this article. Mayer, who gave birth to her first child weeks ago, will unveil details of her comeback plan when Yahoo reports quarterly results on Monday.

Mayer's focus on technology in many ways reverses a course set by her predecessors, who had concentrated on media content deals, such as those that gave prime billing to Walt Disney Co's ABC News or CNBC, or to bring an original program starring actor Tom Hanks to its website.

The new strategy is not without risks: it positions Yahoo squarely against Facebook Inc and Google. It also risks alienating a large, media-focused contingent that is already weakened by the departure of Ross Levinsohn, who had championed a media-centric approach when he was interim CEO before Mayer's arrival in July.

Mayer has been meeting with Internet gurus including AOL Inc CEO Tim Armstrong, another ex-Googler; Silicon Valley lawyer Larry Sonsini; and Wall Street investment bankers, according to people familiar with the matter.

Bankers have pitched Mayer and her team on a slew of potential acquisitions, and they appeared to show interest in restaurant reservation site OpenTable Inc and advertising technology companies PubMatic, Turn and Millennial Media, one of the people said.

Caterva, a small start-up whose technology analyzes social media activity, has also been in low-level talks with Yahoo, said another source familiar with the situation.

OpenTable and PubMatic declined comment. Millennial Media and Caterva did not respond to requests for comment.

With more than $2 billion in cash and short-term securities, Yahoo has the money to acquire engineering talent or bolt-on services. Two types of deals are under consideration: companies that will increase user engagement, including on mobile, and those that will boost advertising returns, source said.

"What they've signaled so far is that the deals will be more niche in nature, smaller deals that maybe have a lot of promise," said Ken Allen, a director at Blackstone Advisory Partners.

Talent hunt
Many industry insiders believe Mayer is Yahoo's final hope for reversing a years-long decline from the pinnacle it once attained as the leading gateway to the Internet. Four of her predecessors have tried in vain to right the ship - Yahoo's market value of $19 billion, is less than half its $44 billion value in 2005.

Mayer, who earned a masters degree in computer science from Stanford University specializing in artificial intelligence, has moved quickly on the personnel front, shelling out rich pay packages to attract ex-colleagues from Google and elsewhere.

She brought in ad technology systems guru Henrique de Castro as chief operating officer; a new finance chief in Ken Goldman, who also has tech chops, to replace Tim Morse; and Jacqueline Reese to assume the dual role of hiring and acquisitions, suggesting the start of a train of "acqui-hires" or buying small companies for their engineering talent.

"She's spending almost all her time with the product folks. She's spending it on technology. She's talking about engineering hires," a person close to Yahoo said about Mayer's early days.

Yahoo's advertising technology products, headed for the auction block before Mayer's arrival, are back in favor. De Castro, her highest-profile hire, is known for a deep-understanding of the complex advertising landscape, where dozens of businesses and technology providers are interlinked.

Mayer has also shown an interest in the company's ad tech platform, including Right Media, an automated exchange that allows marketers to blast ads across a network of websites.

The group has been a long-standing source of division among Yahoo's management, including with Levinsohn, who was keen on divesting the unit, according to two sources close to the matter. But shortly after Mayer's arrival, Yahoo told AdAge that it had no intention of selling Right Media.

Yahoo's advertising salesforce, responsible for signing splashy home-page ad deals and premium marketing campaigns, has received scant attention from the new CEO, say people close to the company. Michael Barrett, Yahoo's chief revenue officer hired by Levinsohn shortly before Mayer's arrival, recently announced his resignation, according to a source familiar with the matter.

Focus on mobile
Roughly 700 million users visit a Yahoo website every month - putting it in the top ranks globally. But the amount of activity people engage in on many sites is steadily declining, and its smartphone offerings are deemed lackluster.

"The largest change is to be deadly serious about mobile," said a former Yahoo manager who remains in touch with people at the company.

Yahoo faces tough competition from Facebook and Google, two companies that have taken consumers' time, engineering talent and market value from Yahoo. They are also trying to make the transition to mobile, but it has been difficult.

Some say the direction signaled by Mayer is not so different than strategies espoused by previous CEOs that Yahoo has consistently struggled to implement. A fragmented culture in which short-term finances usually trump product plans is to blame, according to those who know the company.

The recent departure of CFO Tim Morse could signal a change in approach, said several former Yahoo employees.

Morse was considered the force behind Chinese e-commerce company Alibaba Group and Yahoo's $7.6 billion deal over the summer, which saw Yahoo sell about half of its 40 percent stake in Alibaba after years of wrangling over terms.

But now Yahoo's Asian partners, including Yahoo Japan Corp, are not on the front burner for Mayer, one source familiar with the situation said.

Whether Wall Street has the patience for yet another Yahoo revival plan remains to be seen.

"Every CEO needs time to have their full vision articulated and understood," said Dan Rosensweig, a former Yahoo chief operating officer, who now serves as CEO of online textbook rental company Chegg.com. "To count Yahoo out would be an enormous mistake, because the users have not counted Yahoo out," he said. "It's not like MySpace, where all the users went away."

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Source: http://bottomline.nbcnews.com/_news/2012/10/21/14596556-yahoo-ceo-marissa-mayers-plan-focuses-on-technology-not-media?lite

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Decorate Your Home With These Helpful Tips | Marijuana for MRSA

Use vinyl adhesive stickers to decorate a child?s room. Because you may not want to redo your child?s room each time they go through a phase (trains? dinosaurs? super heroes?), vinyl stickers are a great solution. Available in practically every design from words to numbers to athletes and more, they allow you to stick them semi-permanantely to any wall, but easily remove them when your child finds a new passion.

Be considerate of others who live with you. You may feel that you are the most stylish person you know, but remember that other people are going to be in the space very often. Do your best to compromise so that everyone is happy with what the final look will be.

Stay practical when you are designing your home. Try not to buy too many pieces of furniture or decoration just because they are exiting or fashionable. While appearance is a key aspect to interior designing, the most important thing to keep in mind is making your home comfortable and functional.

When using more than one color of paint in a single room, keep the combination of colors in the same family. In other words, a red can be paired with a pale orange or a blue with a nice violet. Colors that are closely located on the rainbow really complement each other, rather than clashing.

Children?s bathrooms should be fun spaces that are full of color and design. Consider implementing a favorite television or cartoon character into the design of the space with the use of a shower curtain, towels and removable wall stickers. This is a fun way to customize the space in a way that can easily be changed in the future.

Rearrange your furniture regularly. You do not have to leave your furniture in one place all the time. If your space is too small to move the sofa, just relocate the tables around it to give it a fresh feel. This will keep you from getting bored with any space in your home.

Whenever you are designing a room in your home, it is a good idea to arrange your furniture in small groupings that cater to conversation. No matter how big or small your room is, closely placed chairs or sofas next to a table give a room an inviting and comfortable feel.

Paint or varnish old furniture before replacing it. That side table that you want to toss out? Try a silver varnish on it first and see if you like it better. Sometimes all you need to create a new look is a quick varnish or paint. Get creative, and even think about using a stencil. You may find you like the new look of that old furniture!

Use brightly colored fabrics to add a bit of life to a drab room. A few toss pillows or a throw in a brightly colored fabric can add instant appeal to an otherwise boring room. Continue the theme with a piece of artwork or a vase of flowers featuring the same color, tying the room together.

Look at the furniture you have on your home and find a combination of colors and furniture that fits well together. You want to have furniture colors that compliment each other, as well as the colors around your home. Avoid picking colors that aren?t related, because this can look like you don?t know style.

One of the best ways to decorate is to use plenty of color around the room. If you are not ready to paint your walls a bright and funky color you can try to in corporate some bright accessories. A few bright candles and art work can do wonders when you are trying to brighten up a room.

Arrange your furniture smartly. Walk around your rooms and take different paths: are you able to easily go from one room to the other? Furniture should not be in your way, and yet some items should be made central if you wish to create a theme or a color pattern based on a piece of furniture.

Pedestal sinks are wonderful choices in small bathrooms. These types of sinks take up less space, and they make a small bathroom look bigger. They also have an elegant appeal to them that is classic and works with any decor. You can find them at your local home improvement store at many different price points.

Do not forget how important flooring can be for the feeling of a home when deciding how to approach your interior design plan. For instance, carpeting can give a room a comfortable soft feel, while hard flooring is quite the opposite, as it can make a room feel very open and clean.

Be sure that every room has excellent lighting. Quality lighting will help you show off your home, and can even help a room feel bigger. If there?s a room in your home that has dark corners even with the lights turned on, invest in a stylish new lamp. It?ll make the whole room look better.

Use the ceiling as a focal point in the room. Ceilings do not always have to be stark white. You can paint them a beautiful accent color or even paint a mural on them. If you have small rooms, it is best to leave them white, but for larger rooms, there are no limits to what you can do.

As you can see from the above article, it doesn?t take an expensive interior designer to come in and make changes to your home. There is no reason why someone can not make simple designs come to life in their home after reading some great tips, like the ones presented in this article.

Charles Shontz possesses website pages about Sofa Rental Los Angeles

Source: http://cannabismrsacure.letstalkaboutpot.com/decorate-your-home-with-these-helpful-tips/

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Breast cancer awareness events and fundraisers ? Local News ...

The Danvers Get in Shape for Women is supporting the second annual Lynda J. Talbot Memorial 5K Run/Walk by manning a water stop during the race, which takes place Sunday, Oct. 21, at the Danvers YMCA, 34 Pickering St., at 9 a.m. The run/walk honors Lynda Talbot, a Danvers resident for more than 60 years who died in August 2010 after a 23-year battle with breast cancer. Proceeds of the $30 registration fee ($20 for children under 18) go toward the Lynda J. Talbot Memorial Scholarship and to breast cancer research. The Danvers Get in Shape for Women is also donating $100 to the fund for every new client that joins in October. Register in advance or on the day of the event. Same-day registration starts at 7 a.m. For more information, visit www.racewire.com/talbot.

Lorraine Roy Design Collections and Friends present Illusions, a magical fashion event to help make breast cancer disappear, Thursday, Nov. 1, at 6 p.m. at the Danversport Yacht Club. The event benefits the breast oncology program at MGH North Shore Cancer Center. Tickets are $75. For more information, call 978-774-0825 or visit www.lorraineroy.com.

Barbells for Boobs, a nationwide fundraising event to benefit Mammograms in Action and breast cancer awareness, has been rescheduled to Saturday, Nov. 17, at Be Fit Health and Wellness, 128 Park St., Building B, Beverly. The event is open to all North Shore residents of any fitness level, but will be capped at 50 participants. A $25 donation is requested. For more information, visit www.beverlypersonaltrainer.com.

Beverly Cleaners is going pink. Throughout the month of October, the shop uses pink hangers and sells pink bracelets, with proceeds going toward breast cancer awareness. Beverly Cleaners is at 61 Elliott St., Beverly.

Curran Bros. Florist and Greenhouse will donate $5 to the Breast Cancer Research Foundation for every Currans Charity Cyclamen sold. The plant?s wooden container features a pink ribbon on its sides and doubles as a photo cube that can hold up to four photos. For more information, visit curransflowers.com or call 978-774-1446. Curran Bros. is at 15 Park St., Danvers.

Hair Crafters of Ipswich hosts Streak for the Cure throughout the month of October. For $20, stylists will ?streak? your hair pink, with 100 percent of the proceeds going directly to breast cancer research. Appointments are recommended but not necessary. Hair Crafters is at 26 Central St., Ipswich, and is open six days a week. For more information, call 978-356-2776 or visit www.haircrafters.net.

Donate $1 to Making Strides Against Breast Cancer at Plum Consignment throughout the month of October and receive 10 percent off any one item during the month of November. Plum Consignment is at 156 Cabot St., Beverly. For more information, call 978-853-6623 or visit www.plumconsignment.com.

Rows of pink pumpkins are available to purchase at Marini Farm, marking National Breast Cancer Awareness Month. A percentage of every pink pumpkin sold will go to the Pink Pumpkin Patch Foundation for cancer cure. Marini Farm is at 259 Linebrook Road, Ipswich. For more information, call 978-356-0430 or visit www.marinifarm.com.

A breast cancer awareness fundraiser for Tina McCarthy, a breast cancer survivor raising money for the American Cancer Society?s Making Strides Against Breast Cancer Walk, will be held Saturday, Oct. 20, from noon to 4 p.m. at the Peabody Elks, 40 Oak St. The event will feature raffles, a cash bar, manicures, costume jewelry for sale and other vendors.

A charity yard sale to mark breast cancer awareness will take place Sunday, Oct. 21, from 9 a.m. to 1 p.m. (rain date Sunday, Oct. 28) at 7 Longwood Ave., Peabody. One hundred percent of all money collected will be donated to breast cancer awareness, and all unsold items will be donated to The Salvation Army. Donated items to sell are still being accepted. To donate items, email buccs200001@hotmail.com to arrange for pickup or drop-off.

Zumba instructor Danielle Roberts will host a Party in Pink Zumbathon at Roller World, Route 1, Saugus, Sunday, Oct. 28. Doors open at 6:30 p.m.; Zumbathon takes place from 7 to 8:30 p.m. Event features a 90-minute Zumba class and raffles. Participants encouraged to wear pink. Party in Pink themed Zumba workout attire will also be for sale. Cost is $15 in advance, $20 at the door, with proceeds going to Susan G. Komen for the Cure. For more information, visit www.danielledroberts.com.

North Shore Technical High School is focusing its Spirit Week activities along with its Homecoming games and breakfast on breast cancer awareness again this year. This week, students from all classes are competing with spirit activities, including Pride Walls, Teacher-Student Costume Contests and other activities that will culminate in a Bulldog Pride Assembly on Friday afternoon. Saturday morning, the athletic and culinary departments will host a breakfast from 8 to 10:30 a.m.; the $5 ticket will be donated to breast cancer research. In addition, there will be a powder puff flag football game between the junior and senior girls followed by an alumni flag football game between North Shore Tech?s varsity team and alumni who played for North Shore Tech. At 1:30 p.m., the Homecoming Game will match up North Shore Tech Bulldogs against Mystic Valley. Proceeds from these events will also be donated in support of breast cancer awareness.

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Have an event or fundraiser to add to this list? Contact Cheryl Lecesse at clecesse@salemnews.com or 978-338-2664.

Source: http://www.salemnews.com/local/x674148253/Breast-cancer-awareness-events-and-fundraisers

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Too Bad This Apple-Samsung Fanboy Peace Treaty Isn't Real

The smartphone fanboy wars seem both ridiculous and eternal. It's like everywhere you go on the Internet, a simple statement of preference—even one that isn't pig-head and disparaging—can serve as the flash point for a fanboy skirmish. Isn't it about time we signed a peace treaty? More »

Source: http://feeds.gawker.com/~r/gizmodo/full/~3/5MNj-M5i-fY/too-bad-this-apple+samsung-fanboy-peace-treaty-isnt-real

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Endangered Tattoos: Volunteers Get Inked to Help Save Species [Slide Show]

Mammals, plants, even fungi are emblazoned on humans who fight for their emblem?s survival

By Mark Fischetti

Charitable donations to help protect an endangered species are one thing. But would you don a piece of permanent body art to save a mammal, plant or even a fungi? Three years ago, 100 men and women in the U.K.?average people, not scientists?did just that. Each of them went under the needle to get a tattoo of a species they vowed to help protect. A traveling exhibition that lauds these inked advocates will soon come to a close, but the project may spawn broader outreach efforts.

The project, called extInked, was conceived by the Ultimate Holding Company in Manchester, England?a collective of freelance artists who try to use art to spur discussion of uncomfortable social issues. In 2009 the collective worked with conservationists to identify 100 rare and endangered species in Britain, and then brought in artists to ink 100 volunteers in a three-day public marathon. Mammals, amphibians, reptiles, birds, fish, invertebrates, plants and four species of fungi were colored onto the necks, arms, legs and backs of obliging ?ambassadors.?

? View a slide show depicting eight volunteers and their tattooed species

Since then, the volunteers have given talks at meetings, distributed literature, raised funds with conservation groups, appeared at exhibitions and taken on other activist roles related to their adopted species. ?The ambassadors have brought together the art world, the ecology world, the science world and the tattoo world,? says Kate Houlton, a project manager at Ultimate Holding. ?The project has been a creative way to encourage conversation.? People from as far afield as Canada, Brazil and South Korea have taken up causes after seeing or reading about the tattooed ambassadors, Houlton says.

The exhibition, which features professional photographs of all 100 volunteers and their tattoos as well as information about their species, is making its final stop at the Rugby Art Gallery & Museum in Rugby, England. That show is set to close on November 10, but other galleries are now interested in resuming the tour, Houlton says. Ultimate Holding is also seeking collaborating organizations in other countries that could kick off similar projects.

The extInked project might be inspiring independent efforts, too. One group in California?s Bay Area, called Tatzoo, has held several boot camps to train volunteers to become conservation leaders for local fauna and flora. Graduates receive a certificate and a tattoo of the endangered species of their choice.

? View a slide show depicting eight volunteers and their tattooed species

Source: http://rss.sciam.com/click.phdo?i=63f83fdd16ef6f4d2edd4064aa7c0b9a

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First undecided debate questioner undecided no more

Jeremy Epstein, the 20-year-old Long Island college student who asked the first question in Tuesday night?s debate and briefly became a Twitter sensation (hashtag #jeremy), told NBC 4 New York Wednesday that he has decided how he will cast his vote in November.

With the question that set off what would be a testy debate, the junior at Adelphi University sought reassurance about his job prospects after graduation.

Epstein, and exercise science major, said he felt he was speaking for an entire generation with his question.

?I?m representing a whole other group of people my age, people who are facing the exact same problems, who are worried if they?re going to be able to move out of their parents? house and support themselves,? Epstein said, according to Newsday.

?I thought they both spoke very eloquently,? Epstein said, according to NBC 4. ?They both did a great job answering the question.?

Asked Wednesday if he remained undecided, Epstein said he did not.

?No, I think I made a decision,? he said, NBC 4 reports.

Epstein declines to say which candidate he now supports. However, he did tell NBC 4 New York that he had been ?swaying a little bit, I guess, towards the incumbent? before the debate.

If Epstein has decided to vote for Romney, it could be because Romney hammered the theme of job creation in answering Epstein?s question and throughout the rest of the debate.

?We have not made the progress we need to make to put people back to work,? Romney said. ?That?s why I put out a five-point plan that gets America 12 million new jobs in four years and rising take-home pay.?

Romney also promised that his policies would help Epstein.

?I?m going to make sure you get a job,? Romney said.

If Epstein has instead chosen to cast his vote for Obama, it could be because Obama touted the creation of five million private-sector jobs over the last 30 months.

?There are a bunch of things we can do to make sure your future is bright,? Obama said.

Obama also stressed manufacturing jobs in answering Epstein?s question, which Epstein may or may not find appealing once he gets his college diploma.

Epstein told MSNBC?s ?The Daily Rundown? that he was able to chew the fat with both candidates after the debate.

Romney thanked him for his question, according to Epstein?s account of the conversation. The two men then talked about Epstein?s post-college prospects.

?I asked him if he?s gonna give me that job in two years and he said, ?Maybe,?? Epstein said, according to NBC 4.

Epstein said that his conversation with Obama differed substantially. Instead of jobs, the two talked about NBA basketball.

?Then I was speaking with President Obama asking how his Chicago Bulls are gonna do, because they lost their MVP Derek Rose, and he said that I could not beat him in one-on-one, but I disagree with that.?

According to Newsday, Obama suggested that his basketball prowess would be too much for the student.

?I?ve got too many veteran moves for you,? Epstein said the president told him.

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Source: http://news.yahoo.com/first-undecided-debate-questioner-undecided-no-more-070208661.html

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Internet Marketing Tips To Make Your Business A Success

Don?t just cast your products and business out onto the general public and hope it works. Otherwise, your product may not take off. It doesn?t matter what the product or service is. This should be perfected, so get feedback from family and friends, while coming up with the costs and a total price. By following the tips we present here, you will be able to get your business organized quickly and easily.

If major companies advertise on your site, it gives you a certain validation and could draw in more customers. If you demonstrate an association with big brands, customers will be likely to assign you some extra legitimacy. This can also boost your traffic and make it appear a more useful business site.

Partner with other online businesses to create interesting combination deals that will attract customers and help you share your customer bases. This way you can connect several markets and boost your total sales. For example, online booking agents have reduced prices whenever you book airfare, hotels and car rentals within the same transaction. This idea is perfect for any company that has linked products that complement each other, but are not seen as competitors.

Include customer comments about your product on your website. Savvy consumers read the comments posted by other users and use those comments to help them make decisions about purchasing certain products. This can help them feel a bit more comfortable with purchasing from you.

To increase sales consider offering specials on the check-out page of your website. For example, you can offer products at half-price if the customer orders a certain amount. Your customer will think that he is receiving extra value and you can have higher sales while moving older products.

Make and upload a viral video to help assist your internet marketing plan. Be sure to include a link that leads to your site in the video?s description. This can help improve your daily traffic in an effort to boost sales.

Blog several times a week to enhance your internet marketing attempt. If you blog regularly, you are giving yourself another forum through which you can inform consumers. Adding a blog to your site will your increase the dimension of your site which will increase your search engine discernibility; this will ultimately send more traffic your way over time.

These tips can help you establish a work ethic and business plan that will increase your business. The work you do before you sell your item is going to pay off. Before you know it, you?ll be basking in the glory of your success.

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Source: http://blogs.lizardwebs.net/2012/10/internet-marketing-tips-to-make-your-business-a-success/

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How Organised Are You? | Entrepreneur Magazine

It?s difficult to meet your investment goals if you aren?t sure what they are.

Most families try to focus on efficient and effective ways to build wealth and protect it from being eroded by taxes, inflation and market fluctuations.

One of the secrets to a good financial plan should be to concentrate on meeting your personal, predetermined needs and objectives. This task will involve number crunching in relation to the estimation of future interest rates, growth rates, inflation and your current requirements projected into the future.

The goal is to ascertain how much additional capital you will require to provide for this future income requirement. Investors can choose to do nothing, or very little planning, or they can review plans on an
annual basis.

The results will be devastating. Families in this category usually have no control over their financial lives, and regularly find themselves in debt. They will never have any financial security or peace of mind. They will suddenly wake up close to retirement when it is too late to plan their financial future.

Occasional planning

A large section of the investing public fall into this category and they always tend to be one step behind where they could be. This type of investor does not fully appreciate what they are trying to achieve. They make decisions based on once-off investments and, as capital or additional monthly funds become available, they look for a place to invest without considering exactly how this effects other investments already in place.

Not looking at the whole picture usually leads to far too little diversification or a totally unbalanced portfolio. Portfolios could be diversified but with too large a percentage in one asset class.
I was recently consulted by a client who had 26 different policies, retirement annuities and unit trusts.

When I analysed where the money was invested, I discovered that more than 86% was invested in equities. The investor would not even know, because the assets are all invested through various different policies. It is not something that most investors look at in the same way as they do when they have their own segregated portfolio.

Organised investor

The ideal investor is one who identifies and separates needs from wants. The starting point in financial planning is to fully understand what your short?, medium? and long? term requirements are. The following are a few areas that the organised investor has fully considered:

• Protection for your family in the event of death
• A plan should you fall ill or become disabled
• Creation of wealth
• Saving for a home
• School and university fees
• Family celebration (barmitzvah, wedding)
• Estate planning
• Retirement planning
• Tax planning.

Only once you have taken care of your basic needs should you start to plan for all those things that bring pleasure to life. As your circumstances change, so you need to revisit your financial plan. By doing this you will move from the disorganised to the organised. There are a few things I have learnt over the years:

1. Don?t make any investment decisions unless you know how they fit into your puzzle.
2. Revisit your whole plan at least once a year.
3. Keep all your financial records in a safe place and ensure your next of kin know where they are.
4. Understand the risks associated with each investment.
5. Know which investments you are hoping to draw income from and which ones are there to provide growth.

Remember, greed and fear must never influence your decision-making. It is the long-term strategy that must determine your investment decisions.

Copyright is owned by Entrepreneur Media SA and/or Entrepreneur Media Inc.
All rights reserved. Click here to read our editorial disclaimer.

About the Author

BRYAN HIRSCH has been in the financial services industry for 47 years and is a director of Bryan Hirsch Colley & Associates. He has written two books, the first Bryan Hirsch?s Guide to Personal Finance and more recently, Steps to Financial Freedom. Bryan has written for many of South Africa?s top financial and business publications, has been a weekly guest on Radio SAFM for 18 years, and has his own weekly TV show You & Your Money on Summit TV.

Source: http://www.entrepreneurmag.co.za/advice/personal-wealth/investing/how-organised-are-you/

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#2: Toyota JBL Speaker Foam Edge Repair Replacement Kit, 86160 ...

• Written by admin
• Posted October 17, 2012 at 9:55 pm

Toyota JBL Speaker Foam Edge Repair Replacement Kit, 86160-AC180, Avalon, FSK-8M-Toyota by Simply Speakers Buy new: $23.00 (Visit the Hot New Releases in Car Audio list for authoritative information on this product?s current rank.)

Review More:
#2: Toyota JBL Speaker Foam Edge Repair Replacement Kit, 86160-AC180, Avalon, FSK-8M-Toyota

Source: http://www.wiki-products.com/2-toyota-jbl-speaker-foam-edge-repair-replacement-kit-86160-ac180-avalon-fsk-8m-toyota/

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Even professional scientists are compelled to see purpose in nature, psychologists find

ScienceDaily (Oct. 17, 2012) ? A team of researchers in Boston University's Psychology Department has found that, despite years of scientific training, even professional chemists, geologists, and physicists from major universities such as Harvard, MIT, and Yale cannot escape a deep-seated belief that natural phenomena exist for a purpose.

Although purpose-based "teleological" explanations are often found in religion, such as in creationist accounts of Earth's origins, they are generally discredited in science. When physical scientists have time to ruminate about the reasons why natural objects and events occur, they explicitly reject teleological accounts, instead favoring causal, more mechanical explanations. However, the study by lead author Deborah Kelemen, associate professor of psychology, and collaborators Joshua Rottman and Rebecca Seston finds that when scientists are required to think under time pressure, an underlying tendency to find purpose in nature is revealed. The results provide the strongest evidence yet that the human mind has a robust default preference for purpose-based explanation that persists from early in development.

The study is published online in the October edition of the Journal of Experimental Psychology: General (published by the American Psychological Association).

To test the hypothesis that there is a natural preference for teleological explanations, the researchers asked a group of physical scientists from top-ranked American universities to judge explanations such as "Trees produce oxygen so that animals can breathe" or "The Earth has an ozone layer in order to protect it from UV light" under speeded conditions so they had little time to reflect on their answers. Another group of scientists made judgments of the same statements without any time restriction. The researchers found that, despite maintaining high accuracy on control items, scientists who were under time pressure demonstrated greater acceptance of scientifically unwarranted purpose-based explanations than their un-speeded colleagues who generally rejected them. This same pattern of heightened purpose-orientation also held among two control groups -- undergraduates and college graduates from the local community in the same age cohort as the scientists -- although the scientists' overall endorsement of inaccurate purpose-based explanations was lower by comparison. In a second test, the researchers found that despite their years of scientific training, chemists, geologists, and physicists showed no less of a purpose bias than English and history professors whose science knowledge was substantially lower.

"It is quite surprising what these studies show," says Kelemen. "Even though advanced scientific training can reduce acceptance of scientifically inaccurate teleological explanations, it cannot erase a tenacious early-emerging human tendency to find purpose in nature. It seems that our minds may be naturally more geared to religion than science."

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Story Source:

The above story is reprinted from materials provided by Boston University College of Arts & Sciences, via Newswise.

Note: Materials may be edited for content and length. For further information, please contact the source cited above.

---

Journal Reference:

1. Kelemen, Deborah; Rottman, Joshua; Seston, Rebecca. Professional Physical Scientists Display Tenacious Teleological Tendencies: Purpose-Based Reasoning as a Cognitive Default. Journal of Experimental Psychology: General, Oct 15 , 2012 [link]

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

Disclaimer: This article is not intended to provide medical advice, diagnosis or treatment. Views expressed here do not necessarily reflect those of ScienceDaily or its staff.

Source: http://feeds.sciencedaily.com/~r/sciencedaily/top_news/top_health/~3/9O9ttMqoUhc/121017102451.htm

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California treasurer sees state warning system on local finances

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Ghent project would build retail, medical office space ...

By Jillian Nolin
The Virginian-Pilot
? October 16, 2012

NORFOLK

A failed project that would have brought new medical office space and a grocery store to Ghent is being revived by another development group that also plans a retail and office project.

The Robinson Development Group and Stanton Partners are in talks with Norfolk officials over city-owned property off 21st Street a block west of Colley Avenue. There is no official deal in place, but Bon Secours spokeswoman Lynne Zultanky confirmed that the health company plans to occupy 26,000 square feet of space there.

Six physicians who are housed in tight quarters across the street at Patient Choice would relocate, and the company would add a new physical therapy service, Zultanky said. In addition to Bon Secours, the development group is working with a large retailer, according to Chris Sanders, a vice president with the Robinson Development Group.

The proposal is for two low-rise buildings, but Sanders said the developers are in "ongoing discussions with the city really about all the details."

A new development plan for the site would strengthen the 21st Street corridor, said Jack Plomgren, president of the Ghent Business Association.

"If that area is developed, I think it will be a real positive for Ghent because right now it's kind of no man's land," he said. "It would expand the reach of Ghent down 21st Street."

But Plomgren said he's also learned over the years to temper his enthusiasm until work actually begins.

Cooper Realty attempted to redevelop the site into a 130,000-square-foot development with a Fresh Market, but the project was halted in 2009 because of decreasing demand for office and retail space. Sanders said Friday that "we certainly believe there is current demand for office and retail at this location."

The Robinson Development Group and Stanton Partners aren't the only ones interested in the land. According to an Oct. 10 letter from S.L. Nusbaum Realty Co., it has offered the city $1 million for the property. The letter, which The Virginian-Pilot obtained from a source familiar with the deal, was sent by Joseph Mersel, the company's senior vice president. Sanders did not say how much his group has offered the city for the land.

Mersel wrote in his letter that he would be willing to build retail and medical offices if the city would sell the land.

According to a copy of an email that the newspaper also obtained, Chuck Rigney, the city's interim economic development director, replied to Mersel that "we are currently working with a developer that has made a proposal with two anchor companies we believe would bring about the highest and best use of the property."

The City Council met in a closed meeting last Tuesday to discuss the "disposition of publicly owned real property on 21st Street," but city spokeswoman Lori Crouch said she could not divulge any information "related to a proposed sale of property or plans while under negotiation."

Fresh Market officials would not confirm that a store is planned for Norfolk. The retailer announces new store leases on its website, where it lists only existing stores in Virginia Beach and Newport News.

Pilot reporter Carolyn Shapiro contributed to this story.

Jillian Nolin, 757-446-2326,jillian.nolin@pilotonline.com

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Source: http://hamptonroads.com/2012/10/ghent-project-would-build-retail-medical-office-space

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