Sunday, August 12, 2012

Basically, it isnt a good idea to go to a finance company or other ...

As far as SEC guidelines goes, you should be fine as long as you dont use words like guarantee and talk about any specific deal in the letter. Above all else, before you get involved in a franchise, or any flower shop venture for that matter, make sure youve conducted a complete and thorough investigation of the opportunity presented. Such audited financial statements should consolidate the financial results of the merchant cash advance firm with the financial results of its subsidiaries or associated companies. For towns with recycling programs, glass must be separated from plastic and placed in separate bins. If compound interest shall be thought a harsh mistress, imagine the financial branch of our judiciary to be an especially aggressive cell mate. Instead of using a portion of these taxpayer funds to support small bakeries and avert unnecessary jewelry store failures and increased unemployment, commercial business cash advance providers chose to continue to deny access to capital to thousands of small locksmith businesses and small jewelry business owners.

If a deal turns into a dud and you lose money, what are you going to do? Where does it leave your lender? Be careful with this


Dont ever doubt that. Mortgage application fees have seen increases in the last 6 months of between 400% and 600% and we all know what has happened to interest rates. While there is a reason to provide for a higher default interest rate, this is not it.

While doing this, do it in a way that does not expose you to lender liability. Another one is Thomson BankWatch BREE and cash advance video. Herein lies the means by which they make money from granting advances to you. So youll need a balance sheet describing your net worth the worth of what you own compared to the amount of money you owe.

A basic credit search does not affect your record and assesses your chances of being accepted by a particular funder, because the intermediary is in a unique position and will know what their particular criteria currently are.

The more it costs them to provide the money for you, the more its going to cost you to borrow their money. Borrowers default on their obligations. Consumer Credit Counselors ply their ever more suspicious trade (beholden, as they are, to their true masters Visa and Mastercard) for minimal advantage and maximum advertisements to the ultimate regret of the ever diminishing adherents to CCC assistance. It is true that it is better to have high ratios than low ones. Any merchant or retail operator that accepts credit cards as payment from customers, including Visa, MasterCard, American Express, or Discover, is virtually guaranteed an approval for a merchant credit card advance. It can be done and should not be considered impossible. Ostensibly, all a concerned person has to do, therefore, is to step up to the small bank manager, muster courage and ask for the small banks rating.

The repayment is made by automatically deducting a pre determined amount of each of the merchants daily future credit card sales usually at a rate of 20% of total daily credit cards processed

The super historian Toynbee once said that excellent civilizations collapse immediately after they bequeath to us the most impressive buildings. This shouldnt cause you too much worry however, because you can hire a CPA to fund you put it together properly, once youve got the facts and have a party supply store plan he can work from.

Blind adherence to conventional remedies for breach of contract may not be your best answer. Of course, many uneducated customers refuse this advice since the vehicle of their choice may cost an extra few quid per month with a sub prime lender and so insist on making the prime application, which inevitably, will be rejected. These merchant cash advance advances offer significant advantages to small law firms and small beauty salon owners when compared to traditional commercial merchant cash advance company lines of credit. The advantage to this type of funding versus a commercial reputable bank advance is that a merchant cash advance is not reported on the personal credit report of the motel owner.

Follow: business loan

Source: http://www.pranabroy.co.nz/basically-it-isnt-a-good-idea-to-go-to-a-finance-company-or-other-commercial-lender-of-this-type-for-a-repair-shop-loan/

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Saturday, August 11, 2012

Video: More US Marines attacked in Afghanistan

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Source: http://video.msnbc.msn.com/nightly-news/48631480/

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US heading for win over China in both medals races

United States' Ashton Eaton listens to the U.S. national anthem after being presented with a gold medal in the men's decathlon during the athletics in the Olympic Stadium at the 2012 Summer Olympics, London, Friday, Aug. 10, 2012. (AP Photo/Matt Slocum)

United States' Ashton Eaton listens to the U.S. national anthem after being presented with a gold medal in the men's decathlon during the athletics in the Olympic Stadium at the 2012 Summer Olympics, London, Friday, Aug. 10, 2012. (AP Photo/Matt Slocum)

United States' Ashton Eaton gestures from the podium after being presented with a gold medal in the men's decathlon during the athletics in the Olympic Stadium at the 2012 Summer Olympics, London, Friday, Aug. 10, 2012. (AP Photo/Matt Slocum)

United States' Will Claye, silver, Italy's Fabrizio Donato, bronze, and United States' gold medal winner Christian Taylor, from left, celebrate after the men's triple jump final during the athletics in the Olympic Stadium at the 2012 Summer Olympics, London, Thursday, Aug. 9, 2012. (AP Photo/Lee Jin-man)

Members of the team from China reacts as they see their score during the synchronized swimming team free routine final at the Aquatics Centre in the Olympic Park during the 2012 Summer Olympics in London, Friday, Aug. 10, 2012. China took the silver medal in the event. (AP Photo/Mark J. Terrill)

(AP) ? With a surge of medals in track and field, the United States has sprinted ahead of China and is poised to finish atop the medals table at the London Olympics ? maybe with the most golds ever collected by the Americans on foreign soil.

Heading into the final weekend of competition, the U.S. leads both the gold and overall medals races after trailing the Chinese most of the games.

The Americans pulled further ahead Friday. At the end of the day's events, the U.S. led China 94 to 81 in total medals and 41 to 37 in golds.

Bill Mallon, a veteran American medals prognosticator, believes the U.S. will win the overall race by 12 to 15 medals and the gold count by three to five.

Four more golds would equal the highest U.S. total on foreign territory in Olympic history ? 45 at both the 1968 Mexico City Games and the 1924 Paris Games.

The gold haul in London is already the best for the United States since it won 44 in 1996 in Atlanta. Its highest gold count was 83 at the 1984 Los Angeles Games, which were boycotted by the Soviet Union.

The late U.S. charge in London has been spurred by the track and field team, with 26 medals, including eight golds, through Friday.

The Americans picked up four medals Thursday night with 1-2 finishes by Ashton Eaton and Trey Hardee in the decathlon and by Christian Taylor and Will Claye in the triple jump. They grabbed two more Friday night ? gold in the women's 4x100-meter relay and silver in the men's 4x400 relay.

Away from the track, wrestler Jordan Burroughs won gold in the men's 74-kilogram freestyle.

The success could validate the projection of 30 medals by USA Track & Field, the national governing body for the sport, which had been widely maligned as too ambitious.

With two more relays and a few other chances coming up, the United States could exceed 30 medals ? even after being shut out in the men's 200 and 400 meters, two events where the Americans usually excel.

"A lot of people thought 30 medals was crazy," said Steve Roush, the U.S. Olympic Committee's former chief of sports performance, who served on USA Track & Field's "Project 30" panel.

He added: "It was the big question mark coming in. It turns out we are going to be right there. If there is a surprise, it's just how well the U.S. has done in track and field."

Though closely tracked by Olympic teams, fans and the media, the medals race is an unofficial competition. The International Olympic Committee doesn't even recognize the medal count.

The U.S. Olympic Committee has also been reluctant to talk up the medals chase ? until the end of the games, anyway. It stresses that its job is to enable as many Americans as possible to stand on the podium and represent the country.

"We are fortunate to have had success in both team and individual sports," spokesman Patrick Sandusky said. "The Olympic Games is a competition between athletes, not nations. With that said, we are very proud of our American athletes in London."

China beat the U.S. in gold medals, 51 to 36, on home soil at the 2008 Beijing Games, while the Americans prevailed 110 to 100 overall.

Many thought China would sweep both lists in London. And the Chinese started strong, racking up medals in their traditional sports of badminton, table tennis and diving. But medal chances are drying up in the final days, and China can't compete with the U.S. in track and field.

"China's big challenge is in swimming and track and field," Roush said. "There are so many medals at stake."

This is still China's best gold medal showing outside Beijing, better than the 32 it collected at the 2004 Athens Games. But there is a clear sense of disappointment back home.

The Communist Party's official Guangming Daily newspaper complained of unfair judging. Several papers cited the result in the men's gymnastics rings event, in which Chen Yibing settled for silver behind Brazil's Arthur Zanetti.

"We need to shout out loud: London Olympics, under the Olympic rings, please view all participants equally," the paper said.

In interviews with Chinese newspapers, the country's deputy sports minister, Cai Zhenhua, has also accused judges of discriminating against Chinese athletes.

"We need to solve the problem now or risk more judges adopting a biased view," Cai said.

Britain, meanwhile, is assured of finishing third in gold medals, benefiting from a home-country boost that has produced its best medal performance in more than a century ? 25 golds and 57 overall.

Not since the 1908 London Olympics has Britain racked up medals at this pace. Back then, only 22 nations showed up, compared with 204 today.

Britain, heavily promoting its athletes as Team GB, has excelled particularly in rowing and track cycling, thanks in large part to generous funding from the national lottery and the government-backed U.K. Sport body. U.K. Sport allocated $470 million for sports federations and athletes ahead of the London Games.

"GB cycling is a model of what can be done, and the rowing is phenomenal," Roush said. "It's been a combination of home-field advantage and U.K. Sport support."

Britain's rise has come at the expense of once-powerful Russia, which will finish out of the top three in golds for the first time since before the Soviet Union began competing at the Olympics.

In 1912, the Russian team had no golds and five total. The Soviet Union began competing at the 1952 Helsinki Games. Since then, the Soviet or Russian team has finished in the top three in golds every time ? until now.

The Russians had only 15 golds through Friday, compared with 23 in Beijing. They have won plenty of silver and bronze and are third in the overall count with 62, but that's not good enough for a country that will host the 2014 Winter Olympics in Sochi.

"The Russians are rebuilding," Roush said. "The old Soviet system produced such strong talent and coaches, but the coaches and athletes are starting to retire."

Perhaps the biggest surprise has been South Korea. The country of 50 million people ? roughly the population of California, Washington and Oregon put together ? has charged into fourth place with 13 golds, asserting itself as an Asian power.

The South Koreans have invested heavily in Olympic sports, coaches and training and will do even more as they prepare to host the 2018 Winter Games in the city of Pyeongchang.

Japan has performed strongly, with 35 medals, but has failed to turn them into gold, picking up only five.

Australia and Germany have been among the biggest disappointments. The Australians had hoped to finish in the top five in both golds and total medals, but are lagging that pace with only seven and 31. Germany, which had a target of 28 golds and 86 medals, has only 10 golds and 42 total.

___

Associated Press writer Christopher Bodeen in Beijing contributed to this report.

___

Follow Stephen Wilson on Twitter: http://twitter.com/stevewilsonap.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/cae69a7523db45408eeb2b3a98c0c9c5/Article_2012-08-10-OLY-Medals-Race/id-44b00ec7d03f43c180cc11582b977c03

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Great Britain boxer Luke Campbell takes gold in ... - BBC World News

Great Britain boxer and Metro columnist Luke Campbell secures the team?s 28th gold medal of the London 2012 Olympics by winning the bantamweight title. Luke Campbell (blue) beat Ireland?s John Joe Nevin 14-11 (Picture: AP) The fighter from Hull beat Ireland?s John Joe Nevin 14-11, repeating his victory over the same opponent at last year?s world championships, to claim Great Britain?s first gold medal in the weight division since 1908. Campbell?s more incisive shots saw him go 5-3 up after the first round but his opponent battled back in the second round, with a particularly sweet upper cut and long-range right hander closing the points gap to 9-8. Unsurprisingly, with the scores so close and such a prize up for grabs, the third round was a tense affair until a perfectly-timed left from Campbell had Nevin on the deck as he lined up a right of his own. Having gained the upper hand, Campbell refused to concede any ground and by the time the cards were checked, it was already clear he had done enough to win.

Friday, August 10, 2012

Personal Fitness Trainer Ottawa - Eating Fish

Thanks to a few notable TV health personalities, many well-intentioned people have started to buy a lot more salmon and tuna. These fish are touted as good sources of protein and Omega 3 fatty acids, but? unfortunately salmon is one of the worst things you could eat. But more on that later ?

Although most of us realize that fish is nutritionally good for us, it is also becoming more widely known that our fish stocks are in trouble and levels of mercury found in some fish can be toxic. We need to be more mindful of the fish that we choose to eat ?Taras Grescoe, author of a book that I recommend called?Bottomfeeder, outlines a few helpful guidelines to follow when buying seafood:

  1. When you are far from the seashore, as we are here in Ottawa, cheap seafood is suspect seafood.? It was probably farmed, and may have gone through several cycles of freezing and thawing before arriving on your table.
  2. Avoid fish that has traveled far.? The more fuel used to ship it, the less inclined you should be to buy it.
  3. Avoid long-lived predator fish (sharks, swordfish, Chilean sea bass, tuna). Because they are at the top of the food chain, these fish tend to contain the highest levels of mercury.
  4. Avoid farmed shrimp, tuna, salmon and other species that are fattened with other fish; they tend to have higher levels of dioxins and other persistent organic pollutants. Instead, favour tilapia, carp, catfish, and other species that are fed vegetable, rather than animal, protein.
  5. If you have a choice, choose?organically farmed salmon, cod and trout; stocking densities are lower and they tend to be treated with fewer chemicals.
  6. Opt for seafood at the lower end of the food chain, from mackerel down to oysters.? Bottom feeding is better for your health, and the health of the oceans.

The fishing methods to look for (and if it is not indicated on the packaging, assume the worst)?include:

  • Hook and Line
  • Trolls (not to be confused with Trawls)
  • Harpoons and scuba
  • Purse Seines
  • Pots and Traps

Avoid eating fish that have been caught with any of these methods:

  • Midwater trawls. These tend to be the worst in terms of bycatch and damage to the environment but the midwater trawl is the best of the worst because it does not rake the ocean floor.
  • Longlines. Bottom longlines are the best of the worst because they are much shorter and have a lower impact on sharks, turtles other mammals and little effect on birds.
  • Gill nets. These can tangle just about anything, so rates of bycatch tend to be high.
  • Dredges. Industrial vessels hauling large dredges, which comb the sea bottom for shellfish, have damaged fragile habitat for fish, probably permanently, in many oceans.

Absolutely never buy fish that has been caught with drift nets or ghost nets, dynamite & cyanide and bottom trawlers.

The Lists

Grescoe conveniently has a comprehensive list at the back of his book of the fish to eat always, sometimes/depends and never. Following are ?Never? and ?Always? lists. Please refer to his book for the sometimes/depends list and a wealth of eye opening, thought-provoking, and (for me) life-changing information.

No, never eat these fish

Bluefin tuna. Often called toro in Japanese restaurants, it is severely overfished and listed as critically endangered by the IUCN.? ?Farmed? bluefin are actually juvenile tuna taken from the wild before they can reproduce; they are fattened with smaller fish.

Cod, Atlantic. Most cod stocks in the western Atlantic have collapsed and show no sign of recovery.? The Canadian government has declared the northern cod an endangered species and the cod of Georges Bank and the Gulf of Maine are considered a critical management concern.? Some frozen cod in North American supermarkets comes from the Barents Sea North of Scandanavia, where extensive? illegal fishing occurs.? An alternative is expensive organic farmed cod, currently being raised by companies in Scandinavia and Scotland.? Fished by pirate vessels.

Halibut, Atlantic. Atlantic halibut, a deepwater flatfish that can weigh up to seven hundred pounds, has been fished to the brink by trawls.? Stocks off the U.S. coast in the Gulf of St.Lawrence have collapsed, and halibut are considered endangered by the IUCN.

Chilean sea bass.? Also known as Patagonian toothfish, this long-lived deep-sea fish is subject to extensive pirate fishing.? Only one fishery has been certified by the Marine Stewardship Council; unless you know (and you? are unlikely to) that your Chilean sea bass comes from the south Georgia winter longline fishery in the Atlantic, avoid it.

Grouper.? grouper are overfished west of Florida and in Gulf of Mexico, where three quarters of the U.S. catch comes from (often mislabeled in Florida as Hake or Basa).? These long-lived reef predators, of which there are eighty-five known species, are especially vulnerable to overfishing, and toxins tend to accumulate in their flesh.? Grouper from the northwestern Hawaiian islands are sustainably fished.?

Monkfish. Heavily overfished, with bottom-destroying trawls, off the U.S. coast.? Small grill-net fisheries, somewhat less harmful to the sea bottom exist in Canada and New Jersey.? Also sold as angelfish and goosefish.

Ornage Roughy. These deep-sea fish, which can live up to 150 years, are being heavily overfished by highseas bottom-trawlers, which destroy fragile, slow-to-recover seamounts.??? Listed as threatened by the Australian government in 2006.

Shark, Dogfish. Sharks are undergoing catastrophic population crashes worldwide to supply the Asian shark fin soup market.? Sharks produce few young, and large coastal species are slow-going and late to mature.

Skate. Like sharks, skates produce few young and are overfished.

Sole, Atlantic. Stocks of flounder, plaice, sole, and other flatfishes, which are fished on the Atlantic seafloor using trawls, are all in rough shape.? Flat fish from the Pacific are not overfished.

Tilefish. Although some stocks of tilefish are overfished, the main reason to avoid them is their extraordinarily high levels of mercury.? A single six-ounce serving of Gulf of Mexico tilefish will give you 520% of your weekly limit of mercury.

Absolutely, always eat these fish

Artic char &? barramundi. Both species are farmed in land-based closed containment systems that don?t pollute the environment; barramundi is very high in omega 3?s.

Halibut, Pacific. Stocks are currently at a thirty-year high, and the bottom longline fishery in Alaska is Marine Stewardship Council-certified.? An excellent alaternative to overfished Atlantic Halibut.

Herring. Now mostly fished with midwater trawls, Atlantic herring stocks are in good shape.? High in Omega 3?s, low in toxins.? Also known as kippers, rollmops and Solomon gundy.

Jellyfish. Eat them when you can find them; you?ll be doing the world a favour.

Mackerel. Fast maturing and prolific spawners, these tasty oily lfeshed fish are becoming more popular with chefs.? Choose Spanish and Atlantic over Gulf of Mexico, which tends to contain mercury.

Mullet. Common off Florida and Louisiana, striped mullet is fished with small nets, with little bycatch.

Oysters, mussels. All but 5% of the world?s oysters are farmed.? Mussels and oysters clean the oceans and reduce the size of dead zones, and are farmed without chemicals.

Pickerel. These are also known as walleye.? Stocks of this white-fleshed freshwater fish are currently in good shape.

Pollock. Caught with mid-water trawls in the Bering Sea, the U.S. fishery is MSC-certified.? Pollock is also sold as imitation crabmeat and goes into fast-food fish sandwiches and many kinds of fish sticks.

Sablefish. Also sold as black cod (not to be mistaken for illegally fished ?black cod? from the Atlantic), this buttery-fleshed Pacific species is sustainably fished with bottom longlines and has been certified by the MSC.? It is now being farmed.

Sardines. Abundant plankton-eating schooling fish, sardines are sustainably fished and full of omega 3?s.? Canned or grilled, they make excellent eating.

Squid. Squid caught with trawls and hook-and-line, are not overfished, though their abundance can change with ocean conditions.? For now, don?t worry too much about ordering Calamari.

Trout. Rainbow trout in North America is almost inevitably farmed, mostly in Idaho.??? Like salmon, it is a carnivorous fish, but since it is raised in inland ponds, the environmental impact of farming it is low.

Whitting, blue. Jump at any chance you get to eat these fish, which are now wastefully ground into fish meal.? Other edible forage fish include blue whiting, capelin, anchoveta and sand lance; they are all low in contaminants, and tend to be excellent battered and fried.

About salmon

So let?s talk about Salmon. On August 3, 2012, I drove by Produce Depot on Carling Avenue and saw a big sign advertising Salmon Fillets 5.99/lb? from Chile and I knew that these salmon were farmed and that is something I will never consume. Here?s why:

  • In 1995 the European companies (globally, three players control this $320 million-a-year industry) went to Chile to expand their salmon farms because of Chile?s long temperate-water coastline, lax environmental regulations and workers who would accept $33 for a 48-hour workweek. The country had no wild salmon of its own (farmed fish wreak havoc on wild, native species).
  • Farmed fish is the aquatic equivalent of factory farmed chicken in battery cages with similar issues of disease and pollution in addition to driving wild species almost to extinction.
  • Malachite green, a toxic fungicide used in the process of growing a salmon, was banned in Canada in 1992 but is still widely used on farmed fish in Chile and China.
  • Feed manufacturers are adding more vegetable oil to pellets (the food fed to farmed salmon), which makes the health benefits of salmon evaporate.? Because there is less fish oil in their diet, farmed salmon typically have much lower levels of omega-3 fatty acids than wild salmon.

All information in this article was taken from the book Bottomfeeder by Taras Grescoe and I would highly recommend adding it to your library. The lists in the back of the book are invaluable. I have copied them and refer to them when eating out and they are with me whenever I travel.

A final word of caution

I think reading labels is absolutely mandatory when food shopping. Unfortunately, ?in a cross-country survey of American supermarkets, Consumer Reports found that 56% of salmon fillets were labeled as wild-caught when they were in fact farmed.

What, then, do we do as consumers?? Look for labels approved by the Marine Stewardship Council (MSC) or alternatively think of fish as a very special treat to be enjoyed when you are close to the seaside and you can buy it fresh.?? But there are a few websites that can help: www.seachoice.org, msc.org, fishbase.org. This website:?gotmercury.org is a simple calculator to determine the amount of mercury you are getting from your seafood.

Make it a new habit! Before you go shopping, check out one of these websites to see which fish are the best fish to eat.

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Source: http://ironrosepersonaltraining.com/articles/2012/08/eating-fish.html

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Thursday, August 9, 2012

Home Heating and Cooling - Energy Efficiency: Heating & Cooling ...












Keeping your home cool in the summer and warm in the winter is extremely important, regardless of what part of the country you live in. However, in Michigan, the summers can be extremely hot, and the winters can be brutally cold. For this reason, you need to contact Airtronic Heating & Cooling at www.Airtronichomecomfort.com to ensure that your home's heating and cooling systems are running at their peak. When you are heating and cooling systems are working properly, they haveprovide you the most cost-effective way to keep your home comfortable, all year round.


As an established company, Airtronic Heating & Cooling has extensive knowledge and expertise in every area of residential heating and cooling. With the goal to provide you the highest quality services with the most value for your money, they have been providing HVAC services to Southern Oakland and Western Wayne County since 1954. This family operated company provides you the personal touch you want and need, to ensure that your satisfaction is met in every aspect of your home comfort requirements.


For residential customers, you will always be able to take advantage of the highest quality Lennox equipment available, including parts and services for most major brands of air conditioners, heating systems and more. They always come to your home, provide you with a thorough evaluation, and make their recommendations for you and your home, free of charge. They can also provide you with system designs, which can ensure that you are getting the highest quality home comfort systems available on the market today.


For winter, having proper Furnace Maintenance can help you avoid costly repairs. In addition, you can also take advantage of Airtronic's preventive maintenance plan, which will save you up to 20 percent on all of your furnace and air conditioner tune-ups. A tune up includes professional cleaning, safety checks and system adjustments, to ensure that your air conditioning system and your furnace are running at maximum efficiency, as well as the most reliable and cost-effective manner. In addition, a tuneup can cut your utility expenses, extend the life of your heating and cooling systems, prevent breakdowns, restore lost capacity, and best of all, provide you with peace of mind.


In addition to maintenance and cleaning services, Airtronic Heating & Cooling can also provide professionally trained and nationally certified technicians, who have received their certification from the North American Technician Excellence Institute, so they can provide you with all types of Home Heating and Cooling systems repair and service. With flat rate service pricing, free consultations and specialized services, you will be able to take advantage of an experienced and highly qualified technician that can handle your heating and cooling emergencies when they happen. To find out more about the leader in heating and cooling systems repairs, service and installation, visit www.Airtronichomecomfort.com.


In addition to the Internet, you are encouraged to contact them by telephone, at 248-489-8180 or at 313-537-8111, to schedule your system tune-up, repair or new ductwork or system installation. They are also available to speak with in person at 26666 Grand River Ave., in Redford Michigan. Find out for yourself how Airtronic Heating & Cooling and keep your family comfortable year-round.

Keywords: Home heating, home cooling, furnace maintenance, central air conditioning, furnace tune up, air conditioning, air conditioner tune up

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Run With The Girls Running Program | Holmdel-Hazlet Sports ...

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