Friday, November 30, 2012

We have 10 years left on our mortgage. Should we refinance? - The ...

We currently have 10 years and eight months left on a 15-year mortgage at an interest rate of 5.125%, with a balance of $210,362. Is it smart to refinance now with a 10-year note at approximately 3% and cut eight months off the mortgage? ?Angela P.

In a word, yes. But remember that you'll likely have to fork over several thousand dollars in closing costs to get that new mortgage, says Glenda Moehlenpah of San Diego, Calif.-based Financial Bridges. If you plan on staying in your house for long enough to break even on those closing costs, then refinancing probably makes sense.

Fortunately, you don't have to do this math yourself. Plenty of online calculators can help you figure out how long it will take to recoup the cost of refinancing, such as?Bankrate's break-even calculator.

A key benefit of refinancing, or course, is to save money. And in this case, it's likely that you'd save a bundle: Moehlenpah calculates that dropping your interest rate by more than two percentage points would save you more than $33,000 in interest payments over the next decade.

? Austin Kilham

Got a question for the Help Desk? Send it to?helpdesk@cnnmoney.com.

Source: http://helpdesk.blogs.money.cnn.com/2012/11/30/we-have-10-years-left-on-our-mortgage-should-we-refinance/

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Last House race brings 2012 election to an end (The Arizona Republic)

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home improvemet | weatherize your windows - Home Improvement

If you?re looking for ways to keep your house warm this winter while saving energy and keeping costs low, read on. We?ve put together a few home improvement ideas to help you get the best performance out of your windows this season.

Drafty windows and doors are a major source of heat loss in American homes, according to the Department of Energy. Replacing old windows with modern, energy efficient new windows can improve your home?s energy efficiency, air tightness and insulating values. While window replacement can create a more comfortable home environment, it is a major home improvement and a substantial investment to change all of your windows.

If your current windows do not need to be replaced, just improved or weatherized/winterized, consider the following do-it-yourself approaches:

? Open blinds and other window coverings during the day to allow passive heat gain. This is particularly effective on windows that receive direct sunlight, typically on the south side of the house. At night, close all of the window coverings over the cold glass.

? Invest in quilted curtains and hang from your existing curtain rods to block drafts. There are also thermal cellular shades on the market with one to three layers of honeycomb fabric that acts as an insulator; these shades are touted as increasing the window?s R-value.

? Adding storm windows over single-pane windows dramatically reduces heat loss and drafts. This is a very cost-effective way to improve your current windows. Modern storm windows are typically installed on the inside of your window, can be used year-round and some even have a low-E coating to make them even more efficient.

? Applying caulking, expanding foam sealant or weatherstripping is an extremely cost-effective approach to improving leaky windows. There are lots of easy to follow DIY instructions for applying caulking, foam and weatherstripping on the internet, including some useful videos to watch before you start.

Every small step that you take counts when it comes to readying your home for winter and improving your energy savings. Talk to your local home improvement or window expert if you need more information for winterizing your home.

Resources: Family Handyman; Efficient Windows Collaborative

Related blog articles: Does Your Home Need Replacement Windows, Top 10 Tips To Save You Energy This Winter, Clearing Up New Window Terminology

How do you save energy around your house in the winter? Leave us your tips in the comments section below.

Source: http://www.my-home-improvement.com/2012/11/29/weatherizing-your-windows/

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92% Skyfall

All Critics (276) | Top Critics (45) | Fresh (253) | Rotten (23)

'Quantum of Solace,' was a dour, dire letdown. This picture's a substantial bounce back, and easily the best Craig Bond picture. Emotional depth and all.

Sam Mendes' 'Skyfall': sleek, slithery, sensual

The cool accomplishment of Skyfall, 23rd in the Broccoli franchise, is that it seems a necessary, rather than mandatory, addition to the year's popular culture.

Among the most ambitious imaginings of Bond to date: dark, supple, and punctuated with moments of unanticipated visual brilliance.

Mendes' approach to action is classical and elegant - no manic editing and blurry unintelligible images here - but what makes the movie special is the attention he pays his actors.

"Skyfall" is a different kind of Bond movie, one that works just fine on its own terms, but a steady diet of this might kill the franchise. One "Skyfall" is enough.

Sentimental touches underscore the fun and frivolity of Bond's past while relishing the brutal landscape of the modern day super-spy.

This makes the list of truly great 007 films alongside the list of Goldfinger, Thunderball, Live And Let Die, Licence To Kill, Goldeneye and Casino Royale.

Worlds collide in this near-brilliant, meticulously refined 21st-century redefinition of James Bond.

Sam Mendes has done a magnificent job, creating both a relevant and timeless entry into the Bond canon, while deftly adding homages to the series' past.

...tough and grim but still spry ... feels like something of a rearguard action in the case of the British Empire.

Sometimes the old ways are the best. This is a theme and repeated line running throughout the new James Bond film Skyfall and never has it been more true.

Skyfall does what all of the best franchise entries do: it makes you want to see the next one immediately. Consider me (physically) shaken and (emotionally) stirred.

Not the best Bond movie ever but a very good one; a little darker but still unsettled as to what type overall it wants to be.

Too often this martini is sloppy, not smooth.

This is one of the 50-year-old series' most exciting and commandingly compelling entries. Yes, James Bond is back to being James Bond.

Seen against the ineffectual backdrop of 2008's Quantum of Solace, this is a return to form but it doesn't exceed Craig's impressive debut as Bond in 2006's Casino Royale.

Skyfall is not, of course, ''darker'' or more serious than previous Bond films, but it's more knowing about its own conventions.

Breathes fresh life into the genre.

A lot of critics are claiming this to be the best Bond film ever made; they may well be right-to some degree. It's certainly the most poignant-which, in what is ostensibly an action film, is a feather in Mendes' cap to be sure.

James Bond's 23rd official feature film gives the iconic secret agent something to stew over: an existential crisis.

Suffers from unconvincing plotting, and a third act so bad it brings the roof of the whole endeavour caving in

Even die-hard Sean Connery fans will have to admit there's another actor who can portray James Bond when they see 'Skyfall.'

Mendes does a superb job maintaining tension - and releasing it from time to time so we can take a breath, have a laugh, sit back from the edge of our seat - as he shows how seriously the James Bond character can be taken, without breaking it

Establishing a sense of urgency from the outset, the 23rd Bond film hits its tall target with a bonus back-story, character establishment and strong storyline to balance the action. As a consequence, we are offered a film that is uniquely Bond

Source: http://www.rottentomatoes.com/m/skyfall/

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Thursday, November 29, 2012

Intuit GoPayment comes to the UK, renames itself Intuit Pay

Intuit GoPayment comes to the UK, renames itself Intuit Pay

In a bid to catch mobile payment rival Square napping, Intuit GoPayment is leaping across the pond to begin an assault on the UK. It's certainly putting the effort in, having had to rework its hardware to be compatible with Chip-and-Pin and being forced, for legal reasons, to drop the "Go" and "ment" parts of its name. The service is currently in a limited trial before being rolled out to switched-on stallholders and itinerant fraudsters (we kid) nationwide.

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Via: TechCrunch

Source: Intuit


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10 Things to Know for Wednesday

FILE - This July 14, 2012 file photo shows Secretary of State Hillary Rodham Clinton and Egyptian President Mohammed Morsi laugh during a photo opportunity at their meeting at the Presidential palace in Cairo, Egypt. The US has been here before with Egypt, praising its leader for championing Israeli-Palestinian peace efforts while expressing deep concern over his commitment to democracy at home. But with options limited, the Obama administration is keeping its faith in President Mohammed Morsi. (AP Photo/Maya Alleruzzo, File)

FILE - This July 14, 2012 file photo shows Secretary of State Hillary Rodham Clinton and Egyptian President Mohammed Morsi laugh during a photo opportunity at their meeting at the Presidential palace in Cairo, Egypt. The US has been here before with Egypt, praising its leader for championing Israeli-Palestinian peace efforts while expressing deep concern over his commitment to democracy at home. But with options limited, the Obama administration is keeping its faith in President Mohammed Morsi. (AP Photo/Maya Alleruzzo, File)

FILE - In this Nov. 21, 2012, file photo, President Barack Obama speaks about the Thanksgiving holiday in the Rose Garden of the White House in Washington. The White House said Tuesday, Nov. 27, that the president plans to make a public case this week for his strategy for dealing with the looming fiscal cliff, traveling to the Philadelphia suburbs Friday as he pressures Republicans to allow tax increases on the wealthy while extending tax cuts for families earning $250,000 or less. (AP Photo/J. Scott Applewhite, File)

In this Oct. 1, 2012 photo, Kayla Saucedo, an 8th grader at Anson Jones Middle School, uses her new ID card to check out a book in the library in San Antonio, Texas. The San Antonio school district's website was hacked over the weekend to protest its policy requiring students to wear microchip-embedded cards tracking their every move on campus. A teenager purportedly working with the hacker group Anonymous said in an online statement that he took the site down because the Northside school district "is stripping away the privacy of students in your school." All students at John Jay High School and Anson Jones Middle School are required to carry identification cards embedded with a microchip. They are tracked by the dozens of electronic readers installed in the schools' ceiling panels. (AP Photo/San Antonio Express-News, Bob Owen) RUMBO DE SAN ANTONIO OUT; NO SALES

Your daily look at late-breaking news, upcoming events and stories that will be talked about Wednesday:

1. WHY THE WHITE HOUSE IS STICKING WITH MORSI

The Egyptian leader ? despite questions about his commitment to democracy ? remains a key American partner in brokering peace between Israel and its neighbors.

2. DEMOCRATS' LATEST STANCE: NO CUTS TO SOCIAL SECURITY OR MEDICARE

As the clock ticks on the "fiscal cliff," many in the party ? emboldened by the election ? no longer want to consider cuts that once were on the bargaining table.

3. WHERE WEDNESDAY'S POWERBALL JACKPOT RANKS

The $500 million pot is the second-highest in lottery history, behind only the $656 million Mega Millions prize in March.

4. SUSAN RICE'S PROSPECTS GROW CLOUDY

The would-be secretary of state will meet with two more GOP senators Wednesday amid fresh concern about comments she made after the Benghazi attack.

5. YEARNING TO SERVE ON THE FRONT LINES

Four women sue to overturn a Pentagon rule barring females from being assigned to ground combat units.

6. HOW DROUGHT AND RISING TEMPERATURES ARE AFFECTING THE GREAT LAKES

Water levels have fallen to near-record lows on Lakes Michigan and Huron.

7. U.N. ON VERGE OF RECOGNIZING PALESTINIAN STATEHOOD

The U.S. and Israel strongly oppose the resolution, which would add weight to Palestinian claims for a state in the West Bank, Gaza Strip and east Jerusalem.

8. AMERICANS UPBEAT DESPITE LOOMING BUDGET MELTDOWN

Consumer confidence rose in November as home values increased and gas prices fell.

9. A NEW TECHNOLOGY TO TRACK STUDENTS' WHEREABOUTS

Microchips embedded in ID cards ? a purported safety measure ? will be "the next wave" in schools, one expert says.

10. SIN CITY'S LATEST ATTRACTION

Las Vegas is building a zip line that will spit tourists out of an 11-story slot machine and send them hurtling five blocks.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/3d281c11a96b4ad082fe88aa0db04305/Article_2012-11-27-10%20Things%20to%20Know-Wednesday/id-82b437e5b0f64be092b7e54d2b11eccc

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Negotiations to bring Double-A baseball team to Ottawa drag on

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The window to bring Double-A baseball to Ottawa has been extended into early 2013, Mayor Jim Watson said in a memo to city council Wednesday.

According to Watson, Beacon Sports Capital Partners, the group negotiating the purchase, asked for the extension ?given the complexity of the commercially confidential discussions still under way with a number of parties.?

Watson said he ?remain(s) optimistic? that a deal can be reached within the first quarter of the new year, in time to bring professional baseball back to the vacant Ottawa Stadium for the 2014 season.

Negotiations have been ongoing between the city, the Beacon group and the Eastern League, where it has long been rumoured the floundering Binghamton Mets, Double-A affiliate of the New York Mets, will be sold.

On Tuesday, Beacon COO Richard Billings shot down an ESPN report that suggested the sale of the Binghamton franchise to Ottawa had ?fallen through,? saying the report was ?inaccurate? and that negotiations are indeed continuing.

Binghamton Mets president Michael Urda has denied his team is on the move.

Eastern League president Joe McEacharn did not return requests for comment.

David Gourlay, founder of the Champions for Ottawa Baseball group building community support for the team, said the search for local ownership partners remains a key sticking point in negotiations, and could be a ?deal-breaker.?

The baseball winter meetings, starting Monday in Nashville, were thought to be a crucial point in the timeline to finalize a deal. However, Billings said the meetings are not a ?hard? deadline.

?When there is a final agreement with Beacon Sports Capital Partners and the Eastern League, I will update members of council at the earliest opportunity,? said Watson.

aedan.helmer@sunmedia.ca

Twitter: @OttSunHelmer

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Source: http://www.ottawasun.com/2012/11/28/negotiations-to-bring-double-a-baseball-team-to-ottawa-drag-on

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Ghost Prank Terrifies Elevator Riders in Brazil

NEW YORK (Reuters) - The ageing New York Yankees, struggling to inject youth into their roster, appear poised to sign two of their evergreen core members for one more go-round in a drive for a sixth World Series ring since 1996. Left-handed starting pitcher Andy Pettitte, 40, and all-time Major League Baseball saves leader Mariano Rivera, who turns 43 on Thursday, are reportedly on the verge of signing deals for one last campaign. Those pitchers could well be effective in 2013. Pettitte returned from a one-year retirement last season to go 5-4 with an impressive 2. ...

Source: http://news.yahoo.com/ghost-prank-terrifies-elevator-riders-brazil-095747390.html

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Tuesday, November 27, 2012

Yoga Treatment Therapy For Substance Abuse

To increase their odds in the battle against substance abuse, many individuals look for help in the form of various treatment methods. Traditionally, these methods include counseling, group therapy and inpatient addiction treatment. Recently, however, alternative therapies like yoga, meditation, nutrition therapy and hypnosis have gained popularity in the treatment of addiction. Typically, alternative therapies are used as complimentary treatments, and are designed to supplement more traditional methods of addiction treatment.

Yoga has many significant benefits for both the body and mind when it comes to recovering from substance abuse. For the mind, yoga provides calm and helps to counteract some of the negative thoughts and emotions associated with addiction. These emotions include anger, self-loathing and shame, and are often linked to harmful behaviors like substance abuse, and typically intensify as addiction progresses. Yoga can greatly reduce the occurrence of negative thoughts of feelings, and can therefore reduce the risk of depression, anxiety and other psychological disorders often experienced by addicts.

Those addicted to prescription painkillers, amphetamines, alcohol and other substances often suffer great physical trauma as a result of their addictions. Traditional treatments typically focus on the mental aspects of addiction rather than the physical. And while addressing psychological and emotional factors is essential, omitting physical treatments can be detrimental to recovery. The physical trauma done by addictive substances can be severe, and yoga can help reverse some of this damage by restoring the system and improving overall health and body function.

Yoga can also be performed during the detoxification stage of substance abuse treatment. Detox is an integral aspect of treatment, and involves ridding the system of all addictive substances. In some cases, this process can be quite painful and intense. Yoga can help speed up the detox process so that the next stages of treatment can begin. For detoxification purposes, certain forms of yoga are more beneficial than others. Ahstanga and Bikram yoga methods, for example, are extremely intense and speed up detoxification by ridding the body of unwanted substances through profuse sweating.

Pain relief is another great benefit of yoga in the treatment of addiction. Many substances, such as opiates and prescription painkillers, lead to severe pain when use is discontinued. Yoga can help decrease pain and increase feelings of well-being by upping the body?s production of natural painkillers such as dopamine and endorphins. In addition to pain relief, these chemicals are also linked to improved mood and positive thinking.

In addition to benefiting the initial stages of addiction recovery, there is also evidence that yoga can increase an individual?s chances of maintaining sobriety. This could be due to a number of factors, including the discipline and improved self-esteem associated with yoga. Self-esteem is a powerful tool in achieving and maintaining sobriety, and yoga can lead to enormous boosts in both mental and physical self-confidence.

When used in conjunction with traditional treatment methods like counseling, yoga and other alternative therapies further increase an addict?s chances of recovery from substance abuse. No matter an individual?s skill level or which type of yoga they choose to perform, the benefits are great.

Lillian Sanders is a freelance writer from Florida. Aside from writing, Lillian works closely with holistic drug rehab programs helping people struggling with addiction.

Source: http://www.ebestproducts.com/2012/11/yoga-treatment-therapy-substance-abuse/

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Nintendo says more than 400,000 Wii Us sold in US

(AP) ? Nintendo has sold more than 400,000 of its new video game console, the Wii U, in its first week on sale in the U.S., the company said Monday.

The Wii U launched on Nov. 18 in the U.S. at a starting price of $300. Nintendo said the sales figure, based on internal estimates, is through Saturday, or seven days later.

The Wii U is the first major game console to launch in six years. It comes with a new touch-screen controller that promises to change how people play games by offering different people in the same room a different experience, depending on the controller used.

Six years ago, Nintendo Co. sold 475,000 of the original Wii in that console's first seven days in stores, according to data from the NPD Group. The original Wii remains available, and Nintendo said it sold more than 300,000 of them last week, along with roughly 250,000 handheld Nintendo 3DS units and about 275,000 of the Nintendo DS.

At this early stage, demand isn't the only factor dictating how many consoles are sold. Supply is, too. This means it's likely that more people wanted to buy the Wii U in the first week than those who were able to. The original Wii was in short supply more than a year after it went on sale.

As of Monday afternoon, the website of Best Buy Co. was sold out of the Wii U. Video game retailer GameStop Corp. said there was at least a three day wait for a deluxe Wii U, which costs $350, has more memory and comes with a game called "Nintendo Land." GameStop still had the basic, $300 version available.

Wedbush analyst Michael Pachter estimates that Nintendo will ship 1 million to 1.5 million Wii Us in the U.S. through the end of January.

Associated Press

Source: http://hosted2.ap.org/apdefault/495d344a0d10421e9baa8ee77029cfbd/Article_2012-11-26-US-TEC-Nintendo-Sales/id-f7009a0cdb274b04a5785ae40540d9e2

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Buffett: Economy OK if?taxes rise for rich

Super investor Warren Buffett, the chairman of Berkshire Hathaway, speaks with TODAY's Matt Lauer about Cyber Monday sales figures, consumer confidence and the future of the American economy.

By Ben Popken, TODAY contributor

Raising taxes on the rich won't dampen?economic growth?and would "raise the morale of the middle class," billionaire investor Warren Buffett told the TODAY show Tuesday.

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Echoing a theme he has stressed often, Buffett downplayed the idea that higher taxes for the wealthy, as proposed by the Obama administration as part of a deal to resolve the "fiscal cliff,"?would scare off critical investment for job creation. Republicans argue that raising taxes on people in higher tax brackets would choke off investment and slow the economy at a time when it can ill afford it.

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Buffett disagrees. "No, and I think it would have a great effect on the morale of the middle class," said Buffett,?in the first of two live interviews with TODAY's?Matt Lauer. "They've had to watch guys like me pay below the rate by that paid by the people in my office."

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Also known as the?"Oracle of Omaha" for his investing acumen, Buffett's views?on the economy are widely followed,?including on whether we're really going to go off the "fiscal cliff" of $500 million in tax hikes and spending cuts.

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The?CEO of Berkshire Hathaway has been vocal on the economy lately, proposing in a New York Times op-ed Monday that there be?a minimum tax for the wealthy.

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"I'm confident," said Buffet when asked about how he was feeling about the economy. "I can't speak for others, but at Berkshire Hathaway, we buy and sell stocks every day. America's a winner."

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Lauer brought up a recent quote from Honeywell CEO David Cote who told Meet the Press that he and others like him were feeling a lack of confidence in the political process, so much so that the uncertainty was making them keep their money on the sidelines and preventing them from making additional investments, including hiring.

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"At Berkshire Hathaway, we're investing 9 billion in plant equipment, a record, breaking last year's record. It's always uncertain," said Buffett.

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"December 6th 1941 was uncertain," said Buffett, referring to the attack on Pearl Harbor. "We just didn't know it."

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When asked whether Congress would really enact a strong proposal such as?the one Buffett made in his Times op-ed, which suggested setting a minimum 30 percent tax for millionaires, Buffet said, "I wouldn't be?surprised. They're going to make a deal."

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Now there's a new Buffett book, "Tap-Dancing to Work" that trace his career through 80 different FORTUNE Magazine articles over the years. If there's one thing that stuck out from the timeline, Carol Loomis, FORTUNE editor, who collected and expanded the articles for the book, told TODAY, it's?"how consistent he's been in his thinking. He's never changed."?

"I couldn't be more boring," said Buffett. "I just look at the facts and wherever they lead me, I go."

Is this the?secret to Buffett's success??Lauer asked Loomis. It's hard, she said, because other investors "get emotional."

Buffett is known for finding undervalued companies with strong fundamentals and good management. "It's simple, but not easy," said Loomis. "That's why other people can't do it. He's thinking about business 24/7."

Lauer asked if this book was a goodbye letter of sorts. "What's it going to mean to the world when he hangs up his investing shoes?" he asked.

Loomis said, "He will be remembered. His role in life will be remembered for the next century. I don't know whether investing or philanthropy is going to be the lead item.?People are going to be reading about Buffet 100 years from now."

About that retirement... "Got a date in mind?" Lauer asked the 82-year old businessman.

Buffett just laughed.

Read a free excerpt from the book?Tap-Dancing to Work.?

Source: http://lifeinc.today.com/_news/2012/11/27/15479988-warren-buffett-raising-taxes-on-rich-wont-chill-economy?lite

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Monday, November 26, 2012

Another new TLD Site launched - Domain Name News

The applicant who recently launched their preregistration and information site about .AUTO, also launched a site for their application for .FOOD. There are two other applicants for the same TLD.

And in order to avoid having to report the trickle of the other releases, here are some of the other sites for this applicant?s TLDs, which are not yet fully launched as the company informs us, since the content is not complete yet. The active sites have ?over a million pages worth of content? a company spokesperson told DNN.

Their main site at Domainia.com also allow pre-registrations for most of the TLDs applications.

See the press release after the jump.

Dot Food, LLC announces the launch of FoodDomainia.com, a pre- registration and awareness solution for the new .FOOD gTLD

Dot Food, LLC announces the launch of FoodDomainia, a pre-registration and awareness solution that introduces their applied-for gTLD, .FOOD, to businesses and consumers, worldwide.

Within the next year, the Internet Corporation for Assigned Names and Numbers (ICANN) will introduce hundreds of new, industry-specific Top Level Domains (TLD), such as .FOOD, to the Internet. The .FOOD domain extension will act as an alternative option to .COM or .NET, designed specifically to provide a commerce environment and information exchange network for the food industry. .FOOD will assist businesses in creating user friendly access to food related products, services and information instantaneously through accurate search engine classifications.

The food industry is one of the fastest growing industries in the world. As a result, food related websites have become some of the most competitive sites on the Internet. With this in mind, Dot Food, LLC is committed to educating its client base about the benefits of having a .FOOD domain extension while creating awareness among food related businesses worldwide, and maximizing pre-registration for the food industry professional or enthusiast. In addition, FoodDomainia is a gateway of information for the food industry. Along with a complete recipe and nutritional facts, the site compiles a complete U.S directory that includes all food related establishments, from farmers to grocery stores to restaurants.

By pre-registering for a .FOOD domain name on FoodDomainia, food retailers and service providers can secure a better, more professional domain name for their business, product, or service. Registrants will be instantly identified as relevant and valuable members of the food industry, will stand out among their competitors and appear stronger to online investors; all the while increasing their Search Engine Optimization.

Any Registrant that holds a trademark with the United States Patent and Trademark Office (USPTO), will have priority over any other Registrant to be awarded the applied-for .FOOD domain. Brand and trademark holders should pre-register early to protect their interest.

Dot Food, LLC is excited to participate in this new revolution of the Internet. Visit our website at www.fooddomainia.com to pre-register your .FOOD domain name, today.

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Related posts:

Source: http://www.domainnamenews.com/up-to-the-minute/another-new-tld-site-launched-for-food-and-many-others/22021

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Greece Hopes for Delayed Loan Today - Greece - Greek Reporter

Greek Finance Minister Yiannis Stournaras (R) with his French counterpart, Pierre Moscovici

Eurozone finance ministers on Nov. 26 will consider for the third time in three weeks whether to sign off on a long-delayed $38.8 billion loan installment Greece needs to keep its debt-crushed economy from crashing, but could face yet another setback.

The bloc?s fiscal chiefs can?t see eye-to-eye with International Monetary Fund (IMF) Managing Director Christine Lagarde over how to reduce Greece?s debt and deficit, including whether granting another two years, until 2022, to meet fiscal targets, as well as other options that include imposing losses on its lenders.

The Troika of the European Union-IMF-European Central Bank is holding back the loan, the first in a second bailout of $173 billion, until a consensus can be reached. Greece was surviving on a first series of $152 billion in rescue loans and Samaras pushed through Parliament an unpopular $17.45 billion spending cut and tax hike plan as a condition of getting the additional aid, and has been frustrated at the delay.

Finance Minister Yiannis Stournaras will be in Brussels hoping to clinch a deal that could include folding in another installment to bring the total to $57 billion, although most of that is set to pay overdue bills and recapitalize the country?s banks that had been pushed toward insolvency after a previous administration imposed 74 percent losses on investors.

Stournaras took part in a Nov. 24 teleconference between the finance ministers that focused on the technical issues involved in finding a formula to reduce Greek debt. Finance Ministry sources told the newspaper Kathimerini there were not any serious disagreements and said they were confident a deal would be reached.

Prime Minister Antonis Samaras spent the last few weeks contacting foreign officials, including Lagarde and US Treasury Secretary Timothy Geithner, to get their support. Final approval may require a fourth gathering, pushing the decision to a previously scheduled meeting on December 3, according to a statement issued by Finland.

So far, the options for debt reduction under consideration include reducing interest on already extended bilateral loans to Greece from the current 1.5 percent above financing costs. Another option, which could cut Greek debt by almost 17 percent of GDP, is to defer interest payments on loans to Greece from the EFSF, a temporary bailout fund, by 10 years.

The ECB could forego profits on its Greek bond portfolio, bought at a deep discount, cutting the debt pile by a further 4.6 percent by 2020, a document prepared for the ministers? talks last week showed, but some banks are balking, including the German Bundesbank.

Greece could also buy back its privately-held bonds on the market at a deep discount, with gains from the operation depending on the scope and price. To cut the debt more boldly, the IMF wants the euro zone to forgive Greece some of the official loans, in what is called Official Sector Involvement (OSI) but which Germany, the Netherlands, Finland and Slovakia have already rejected as it would make their taxpayers pay for Greece?s negligence.

Source: http://greece.greekreporter.com/2012/11/26/greece-hopes-for-delayed-loan-today/

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Social Media Ethics ? Have You Thought About It? | Business 2 ...

Social Media Ethics

Interesting conversation I was having the other day in a social network. As an SEO provider for a small to medium size agency it?s important to get some things right. Ethics, trustworthiness and transparency are very important if you want to stay in business. Take a look at the competition out there. What I?ve done at the end of the day is boil things down to the human element. In order to matter, to make change, and to be heard you have to walk the walk. In order to have your readers, followers, fans, become your clients, they have to know you, trust you, and then maybe they?ll order from you.

Where else can I get inspiration from something I struggle with daily? How about social?I cannot imagine any other business, big or small, not running into this situation.

Basically, when does one cross the line when it comes to representing your clients, while using yourself as the brand ambassador? Most of you may or may not know I come from ?old? school marketing or some may call it a different school of thought. Whatever you want to call it things haven?t changed that drastically; we?re still expected to be professional, creative and above all, ethical.

Favors are done daily in our lives, but when it comes to clients we wonder how much is too much? Some may do favors for client retention. Is that crossing the line, I wonder? Well I can assure you if anyone tells you they haven?t gone overboard for a client in the past they?re lying to you. We?ve all done it.

Back in the day, when I worked for an ad agency, we may have taken the client out to lunch, golfing, and sometimes on a weekend getaway, albeit I was never the one on that end of the deal. The CEO or VP of marketing enjoyed that perk. But for as long as I can remember, businesses have partaken in the active participation of what we today call ambassadors, fans, or God forbid (add sarcasm) happy clients. You see, when you position your company as an outsource for large agencies, you usually sign NDA?s, therefore it makes it difficult to splash or discuss the latest client, since in reality they aren?t our clients directly; they?re our clients? clients.

At Level343 we have positioned ourselves to take on in house SEO from mid level to small boutique advertising agencies that need SEO consulting and social media integration. This brings me to that conversation I was having? you thought I was going to go into one of my ramblings or rants. Well maybe later in the post, but for now I wanted to share with you my latest insight.

Gain the Confidence

Separating the two ? Personal & Business

I?ve asked four high visibility CEO of agencies how they handle their brand when it comes to promoting a client?s brand.

The premise: You specialize in some form of Internet Marketing that includes Social Media. You take on a client and as part of your contract; you will be promoting the client in some way via social media ? the brand, or a product, or a service, etc. The following are questions about a client?s brand promotion from both a practical and ethical standpoint.

Give them your voice but not your brand

#1. Do you use your personal social media accounts to promote the client?s brand/product or do you create new accounts specific to this client? If you use your own accounts, do you think there is any ethical breach in promoting a client from your own brand? Are you transparent when promoting by indicating that the promotion is for a client? From a practical standpoint, do you think using your own accounts to promote a client is confusing to your followers?

If you create new accounts specific to the client, do you use your own name and photo, or do you create a persona? Do you find any ethical dilemmas in either instance? From a practical standpoint, do you find it difficult to start from scratch with no built-in followers to leverage, or is it just a part of the job to begin a new with each client?

My Thoughts: The beauty here is not so much in working for a new company while wearing their clothes, but in the process, I?m learning so much more. So how can you draw the line? Funny thing is that while I was creating and putting thoughts together for this post I noticed this:

What I found interesting is that Gini is being very transparent in her promotions while leveraging her efforts for the client.

Should you use your own social networks? I don?t think so. To some, it may seem unprofessional and, I?m sorry to add, egocentric. Look, I?m not saying don?t use your real person in any of the bios you create, but don?t promote your brand in those bios. Create one for the company; create the role and brand you are working for. For example I?m teaching by doing; using Triberr, Hootsuite, blogging, etc. in which I?m creating and adding value to THEIR brand rather than mine.

Some of our experts have creative and transparent ways of addressing these issues.

Gini Dietrich

Gini Dietrich: We do use our personal accounts to promote a client?s content. We always put (client) behind a tweet or update so we?re transparent about the work we?re doing and to stay within the FTC guidelines. It sometimes means less clicks, even when the content is superb, but I?d rather that than get into trouble, ethically or with the FTC.

Susan Hallam

Susan Hallam: Digital marketing activities in the UK are governed by a very specific piece of legislation, the Consumer Protection from Unfair Trading Regulations. In particular, the act outlaws any activity that would involve an agency pretending to be a customer, or any form of marketing that in fact is a disguised commercial message. You can read more on my blog

Liz Strauss

Liz Strauss: I use my own account, because it has more reach. That being said, I rarely include that particular service in what I offer, preferring instead to teach them how to establish their own strength of presence. When I do promote or talk about something for which a relationship exists, I think it?s important for people to know about the relationship.

Shelly Kramer

Shelly Kramer: In many instances, yes. We are proud to share our clients? content ? and are very transparent about it. We also don?t think it?s confusing at all. Think of it this way ? if you?re a traditional ad agency and an ice cream brand is your client, you tell people about it all the time. About how great the ice cream is and that they are a client. I think you can (and should) treat client relationships in the online space in the same manner.

We never create personas. We feel that that?s fundamentally dishonest and potentially sets a client up to be ?discovered? being fake. We start from scratch. Each and every time. There?s no easy button when it comes to community building, it takes work to build relationships ? online and off. If prospective clients aren?t interested in ?the real McCoy,? then we?re not the agency for them.

What risks are you taking?

Risk Taking

#2: Some and/or many social networks have a Terms of Service that prohibits users from creating multiple accounts. Obviously, if you create a new account for each client, you would certainly be going against those networks? TOS, and potentially, with many clients, you could be breaching that TOS dozens of times. The possibility of having all of those accounts banned ? plus any future accounts created by you ? is certainly one thing to consider. Do you worry about this, or just take it in stride as a natural risk that is a part of the job? Do you do anything in particular to circumvent detection? (No need to divulge techniques if you don?t wish to do so, of course).

Susan Hallam: I do indeed have multiple accounts on services like Facebook, and I personally accept this as a risk I?m willing to take. Initially I had two FB accounts in order to segregate my professional life from my personal life. Advances in FB functionality means this is no longer necessary, but as an agency we still find it easiest to keep a clear and simple delineation. Likewise, as an agency, the administration of multiple social media accounts is more of a logistical issue rather than an ethical one; we are working to represent our clients, and never pretending to be a customer.

Shelly Kramer: We don?t set up multiple accounts in our name, we either establish accounts in our clients? names or we work with accounts they have already established. As such, those properties, forever and always belong to them. Not only is that not in violation of Twitter?s TOS, it?s an important component of our deliverables. Social media accounts are business assets, and they should be regarded ? and established as such. They don?t belong to an agency or a contractor; they belong to the business. To do anything else is, to our way of thinking, inappropriate.

Crossing that line

Are You Crossing That Line?

#3: If a client does something that you have strong personal feelings against ? for example, the client brand takes a strong, public political or religious stand that offends you personally ? and your job is to continue social media efforts for them, how do you handle that (especially if your social accounts use your own name and photo)?

Gini Dietrich: First of all, as the business owner, we wouldn?t work with anyone that talks about religion or politics through their business communications. But if someone on my team feels uncomfortable with content a client has produced, it?s not required they distribute that through their personal networks.

Susan Hallam: I have worked with one client offering financial services that I found morally repugnant. However, what they do is legal and they are complying with statutory requirements. On the one hand, I would say who is it for me to judge my clients? line of business, but on the other hand we are in the fortunate position of being able to choose the clients we work with.

Liz Strauss: I?ve never had it happen. In most cases, I don?t air my personally political or religious stands online. So depending on the issue and its relationship to me, I might choose to discuss offline with the client my own concerns or state online that I don?t take part in religious or political conversations online. However if it were that rare thing that I might feel strongly about, I would restate how I love the company or its products, but also state how I?m personally disappointed in that single stand.

Shelly Kramer: We don?t work with those clients. And if we were working with them and something happened that was offensive or otherwise inappropriate, we would resign the business.

Transparency is important

#4. How do you handle the ?transparency issue? when commenting on blogs or forums as a part of the client?s campaign? Do you reveal the connection with the client, or do you remain anonymous? If you?d rather not say, you can instead answer the question from a hypothetical point of view, giving your thoughts on the ethics of anonymous vs. transparent commenting.

Susan Hallam: See my initial comments at the top of this page; our activities are governed by legislation, meaning we would face a hefty fine if we were not completely transparent in our marketing activities.

Gini Dietrich: We won?t comment on behalf of a client. If there is something we think they should comment on, we provide the link and talking points, but we won?t post the comment for them. Same goes for people commenting on their blog. We?ve had clients ask us to respond to those, using their accounts, and we won?t do it. The risk of getting caught is too high. It would hurt their reputation. We?re in the business of helping their reputation.

Liz Strauss: It think it?s important that people understand whether the words or offer comes from ?a friend of, an enemy of, or someone who doesn?t know? the client. In the comment box, it?s not hard to identify the client relationship, what?s critical is what you write after that. My clients understand that and want me to offer the hard truth spoken gently so that everyone hears the substance, not the emotion of my response.

Listen to the substance

Shelly Kramer: We don?t pose as our clients in forums or on blogs. Ever. To our way of thinking, that?s also fakery and a step or two short of spammy link building tactics. And we don?t do it. Ever.

I wanted to thank the ladies for taking time from their busy days to help me put this post together. At the end of the day, what some may find ethical, others may not. That?s why it?s important to always be true to your work, clients and most of all, remaining transparent.

What are some ethical issues you have seen in social? Tell us about it below in the comment section.

Source: http://www.business2community.com/social-media/social-media-ethics-have-you-thought-about-it-0335669

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Sunday, November 25, 2012

Integrated Healthcare Techniques | - Health and Fitness Media ...

The world of healthcare is always changing.? Once you think again to healthcare and well being services again when our mother and father and grandparents have been children after which compare things to healthcare at this time things are drastically different.? One factor that has changed and developed and in addition continues to change and develop as we speak is what is known as the built-in healthcare systems.? Typically additionally known as multi-care providers or multi-care remedy, these systems intend on focusing on convenience for the consumer or affected person and ease of working via the system.? Usually these techniques cover a wide space of travel and are operated through a number of levels.? The techniques additionally incorporate many different types of providers together with medical companies and normal well being and wellness services as well.? The goal is the get you wholesome and to maintain you that way with any such integrated system.

A system such as Manhattan Illinois healthcare has many alternative offices and providers linked to it.? There may be typically a large hospital that might be the main heart and then many different clinics, places of work, and even smaller hospitals that feed into and work off of or from the larger hospital.? Sufferers can visit a health care provider in a medical middle or office and count on to the identical stage of service if they go to a special doctor, hospital, or other provider that?s within the same built-in healthcare systems.? There is also the good thing about having your medical data contained in the identical system so that you do not have as a lot hassle making an attempt to track down a get your medical information to all your different doctors.

Information is many instances also maintained in the built-in healthcare techniques data middle so that in case you go to Monee healthcare as a substitute of another heart then your information can be situated because it?s all think about the identical provider.? In a means that is like an umbrella system that covers the patient.? There can be benefits for a patient and the purpose of the built-in healthcare system is to make the experience higher for each the patient and for the healthcare providers as well.

This way of offering care for sufferers is drastically totally different than how the doctors and nurses might have provided care up to now however one may say that it?s an try on a large scale to make patients really feel similar.? A physician from Manteno healthcare isn?t likely to come to your house to supply care however the hope could be that since you are in this community of healthcare and offered high quality and uniform care that you may feel considerably like your father or grandfather felt with the doctor at their home.

No related posts.

Hello, my name Asep, I live in Jakarta with is the state capital of Indonesia. I am the fourth of seven children, I worked in a private company engaged in contracting and my job now is Project Manager, I also own pioneering efforts along with my wife, which I own is a civil engineering degree and my wife is a graduate of architecture, and we cooperation each other in the field of engineering. I love to write, I try to pour in an article in the hope of representing and sharing experiences of my hearts burst of expression, This here I liked the design of the house and the challenge will be to their owners. Satisfaction of an owner is a satisfaction, freshness and happiness of countless ... This entry was posted in Healthcare System. Bookmark the permalink.

Source: http://www.friedenforbes.com/2012/11/23/integrated-healthcare-techniques/

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Barton Madbury ? Tips on Real Estate | Whale Oil Beef Hooked | A ...

Barton Madbury writes:

Martyn Bradbury | Real Estate | Bomber Bradbury | Tumeke

As a passionate property professional, and as someone always quick to share an opinion, it?s my great joy to share advice with Truth readers a few tips on how they can maximize the value from their homes when considering re-sale.

The first and most important thing to realise is that location is everything. And if you have a bad location, then you need to take steps to alter it in order to make your home more appealing. One tip I can recommend is to rename the suburb using a neighbouring suburb plus approximater.

For example, if you live in New Windsor, but are worried that this won?t appeal so much, try describing your property as on the sunny side of West New Lynn. Otahuhu can become Penrose South and Takanini is West Ardmore. It?s easy once you know how! During the great property boom of a few years ago, new suburbs like Remuera South and Epsom South erupted onto the landscape, so don?t feel obliged to follow NZ Post addressing ? they?re hopeless at delivering the mail and probably will reduce their services even more in the near future.

The second part of advertising your home is how you catch people?s attention through the print and online advertising. Too many people promote bedrooms, views and the age of the home as marketing points. I find this all too boring. I swear by innovation in marketing, which is why I recommend advertising headers like ?Sail a ship upon the seven seas?, ?The Culture of Corporate Welfare? and ?Don?t point your guns at the pigs?. Unusual ? yes. Will it get your home ad read? Yes. Don?t ever think you can?t be too extreme when presenting yourself, because people need to see the real you and your real homes.

Thirdly, presentation is also very important. Some real estate agents swear by using freshly cut flowers to make their home seem more femininely scented and appealing. Others like to put a part baked loaf of bread in the oven before the open home to put a nice ?family oriented? smell of cooking and togetherness. But I travel a different path.

The?Madbury?tip for making your home as attractive as possible is to have a smell of a cooking pie wafting through the kitchen and living room. Some people like shepherds? pie. Others like apple pie. Recently I?ve been eating a lot of humble pie, and have been eating every last spoonful of it, but do what works best for you.

Lastly, when you choose an agent, make sure you don?t choose a shrinking violet. Find an agent as loud and as opinionated as possible. The agent?s duty is to correct the misinformed impressions of purchasers. If the prospective purchaser isn?t told they are wrong, then they won?t be made to feel positive about your home. Even more importantly, you need an agent skilled in the art of small talk, like weather, politics, and how Zionists and Bankers fund John Key. You?d be surprised at the looks I get from people when I engage with them about property and politics.

Anyway, I look forward to sharing with you my thoughts on life and how?Barton?can help you better yourselves.

Source: http://www.whaleoil.co.nz/2012/11/barton-madbury-tips-on-real-estate/

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Pakistan: Government Suspends Mobile Service During Muharram to

According to The Associated Press, Pakistan's Interior Ministry announced on Friday (November 23) that the government will suspend mobile phone service virtually nationwide from 0600 hours on November 24 until 0600 hours on November 25, in order to prevent cellular-activated IEDs against?Shiite Muslims?during Muharram,?which is especially important to Shiites.

Sunni extremists often target Shiites during Muharram, frequently using cell phones. Several bombings targeting Shiites earlier this week killed over a dozen people.

COMMENT: It should be noted that 90% of all IEDs detonated in Pakistan are activated through the use of mobile phones.

Local media criticized the government's action to suspend mobile service, considering how dependent most residents are on wireless devices, particularly those who have NO other form of communication, except through a cell phone.?

The Pakistani government's extreme action to prevent cellular-activated IED detonations underlines the importance of diplomatic and commercial entities and even individuals to have a redundant form of voice communications when cellular service is interrupted either by design or during a national emergency when mobile service ceases to function.

Alternative forms of communication include regional satellite-based telephones (SAT-PHONES), UHF-VHF, single-side band, HAM radio or computer-based satellite communications.


Source: http://stayingsafeabroad.blogspot.com/2012/11/pakistan-government-suspends-mobile.html

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No. 2 Alabama steamrolls Auburn 49-0

TUSCALOOSA, Ala. (AP) ? Alabama left no doubt it's tops in the state.

Proving it's the best team in the Southeastern Conference and perhaps the nation won't be nearly so easy.

AJ McCarron passed for four touchdowns and Eddie Lacy rushed for 131 yards and two scores to lead the second-ranked Crimson Tide to a 49-0 beatdown of rival Auburn on Saturday, the most lopsided Iron Bowl in 64 years.

The Tide (10-1, 7-1 Southeastern Conference) clinched the Western Division title outright and a spot in the conference title game against No. 3 Georgia with the winner likely getting a BCS national championship shot.

"To me, in all those games that I've been a part of, they are about as good as any game in the country other than the national championship game," Alabama coach Nick Saban said of the SEC title matchup.

Georgia will certainly present a tougher challenge the Tide faced Saturday.

Auburn (3-9, 0-8) completed the worst season for any team within two years of winning an Associated Press national title in what might have been the last game for embattled coach Gene Chizik.

University President Jay Gogue has only said he'll evaluate the program at season's end.

Chizik met Saban briefly at midfield, hugged McCarron, and walked off the field with cameras following his every move. He declined to discuss his future afterward.

"I'm not going to go into all of the job situation with any questions," he said. "This isn't about me. I've got a locker room of guys that are here that are very disappointed. That's my focus, I'm not going to entertain any of those questions. My focus is to be back in there with them."

Chizak said the Tigers' performance was "sad."

"Obviously that was a very disappointing loss, embarrassing loss to our state rivals," he said. "It was obvious to everybody.

"The Auburn fans, the Auburn alumni, don't deserve that."

And most haven't seen a game like this one. The biggest Iron Bowl margin was Alabama's 55-0 victory in 1948, the most lopsided in a rivalry that captivates a state.

This one could have topped that but Saban played subs for much of the second half. The Tide lost a fumble inside Auburn's 10 and then ran out the final seconds after getting to the 5.

Alabama outgained the Tigers 483-163 and had 25 first downs to Auburn's seven.

"We didn't take our foot off the gas," Lacy said. "We kept playing in the fourth quarter."

Auburn hasn't scored an offensive touchdown in the last two meetings since Cam Newton & Co. completed the rivalry's largest comeback in the Tigers' last visit to Bryant-Denny Stadium two years ago. This one supplied another milestone of sorts.

It's the first time Alabama has scored 40-plus points in two straight Iron Bowls, following last season's 42-14 win when Auburn managed to score on a kick return and fumble recovery.

The 42-0 halftime score was the same as the Tide had last week against FCS team Western Carolina, which finished 1-10. The previous largest halftime margin in the Iron Bowl was 34-0 by Auburn in 1957 in a 40-0 win during its only national title run before 2010.

"We had that sick feeling in our mouth," offensive lineman Chad Slade said. "You know, you hate to feel that way. I lost it last year, and I lose it this year. It's hard, it's real hard just to speak on it. Next year has to be a different story."

McCarron completed 15 of 21 passes for 216 yards in 2-1/2 quarters, including a pair of touchdowns apiece to Amari Cooper and Kevin Norwood.

Lacy ran 18 times for 131 yards, pinballing off defenders from a defense that ranks last in the SEC against the run.

Auburn freshman Jonathan Wallace completed 5 of 14 passes with two interceptions against the nation's top scoring defense. He's only the third freshman quarterback to start an Iron Bowl for the Tigers and first since Gabe Gross in 1998.

Wallace voiced his support for Chizik.

"He should be back. I definitely love coach Chizik and the whole coaching staff," he said. "They know exactly where this program needs to go, and they know what to do. I hope they are back next year. I really have no doubt. I really do believe they will be."

Tre Mason ran 21 times for 82 yards for Auburn, topping 1,000 for the season on the game's final play.

The Tide produced an array of big plays running and passing. McCarron and Cooper ? who had five catches for 109 yards ? connected for touchdowns of 37 and 29 yards. Norwood scored on a 7-yarder and a 38-yarder that completed the scoring with 24 minutes left.

Alabama produced touchdowns on its first seven possessions until a fumble deep in Auburn territory ended that streak.

The Tide also converted its first 11 third-down tries.

The worst news for Alabama was on the injury front. Saban said wide receiver Kenny Bell sustained a broken left leg and will have to have a rod inserted.

Auburn only pushed the ball across midfield only twice, making it as far as the Tide's 41 in the first quarter before punting. The Tigers have been outscored by 129 points in their last three SEC games, all against Top 10 SEC opponents Texas A&M, Georgia and Alabama.

The Tide shut out four opponents this season, the most in a season for Alabama since 1979. Last season's team also shut out LSU in the BCS title game in January.

"This was a great team victory," Saban said. "Everybody contributed. We asked for everyone to play their best game today. When you make a commitment to something, it comes from the heart, and I really thought our players did that."

Source: http://news.yahoo.com/no-2-alabama-steamrolls-auburn-49-0-235451444--spt.html

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Google Play, developers slash prices on apps and media for Thanksgiving weekend

Google Play, developers slash prices on apps and media for Thanksgiving weekend

If you've taken advantage of the myriad Black Friday deals on mobile devices and PCs, you're probably looking for content to feed the technology beast. Google and app creators are pulling out all the stops to make sure that beast stays full: Google Play has discounts throughout the Thanksgiving weekend for just about every format on offer. Android apps are the highlight, with SwiftKey 3, Shadowgun and Documents To Go on the list of those with grander price cuts, although there's some definite bargains to be had in media. Among the picks are price drops on books like The Hobbit, movies like The Big Lebowski and Serenity, and music from the likes of Diana Krall and Kendrick Lamar. We can't possibly mention every offer here, so check our links for some of the larger deals.

Terrence O'Brien contributed to this report.

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Source: Google Play (1), (2)

Source: http://www.engadget.com/2012/11/23/google-play-developers-slash-prices-on-apps-and-media-for-thanksgiving/

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Saturday, November 24, 2012

UCSB sensor sniffs explosives through microfluidics, might replace Rover at the airport (video)

UCSB sensor sniffs explosives through microfluidics, might replace Rover at the airport video

We're sure that most sniffer dogs would rather be playing fetch than hunting for bombs in luggage. If UC Santa Barbara has its way with a new sensor, those canines will have a lot more free time on their hands. The device manages a snout-like sensitivity by concentrating molecules in microfluidic channels whose nanoparticles boost any spectral signatures when they're hit by a laser spectrometer. Although the main technology fits into a small chip, it can detect vapors from explosives and other materials at a level of one part per billion or better; that's enough to put those pups out of work. To that end, the university is very much bent on commercializing its efforts and has already licensed the method to SpectraFluidics. We may see the technology first on the battlefield when the research involves funding from DARPA and the US Army, but it's no big stretch to imagine the sensor checking for drugs and explosives at the airport -- without ever needing a kibble break.

Continue reading UCSB sensor sniffs explosives through microfluidics, might replace Rover at the airport (video)

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Via: Gizmag

Source: UCSB


Source: http://feeds.engadget.com/~r/weblogsinc/engadget/~3/gwntmEFz5K8/

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