Sunday, March 31, 2013

MIDEAST STOCKS - Factors to watch - Mar 31

DUBAI, March 31 (Reuters) - Here are factors that may affect

Middle East stock markets on Sunday. Reuters has not verified

the press reports and does not vouch for their accuracy.

INTERNATIONAL/REGIONAL

* GLOBAL MARKETS-Record Wall Street boosts sentiment, US

holds key in Q2

* Oil settles higher, U.S. crude up 5.9 percent in Q1

* MIDEAST STOCKS-Saudi shares slip

* MIDEAST DEBT-Gulf's Islamic banks pressed to diversify

money market deals

* Gold falls, down for quarter as safe-haven bid fades

* First commercial flight between Egypt and Iran for 34

years

* Palestinians, Israeli Arabs mark "Land Day" with muted

protests

* Palestinian journalist gets jail term for Abbas insult

* Jordan's king swears in new reformist government

* Iran criticises Qatar for giving embassy to Syrian

opposition

* Mortar strike kills 15 in Damascus University-state media

SAUDI ARABIA

* Saudi Arabia to allow women's sports clubs - paper

* Saudi Arabia may try to end anonymity for Twitter users -

paper

EGYPT

* Prosecutor general orders arrest of well-known satirist

* Egypt blames power cuts on funding squeeze

* Cairo airport to partly close in summer to save power

* Egypt to get help from US, European wheat exporters -

minister

* White House condemns assaults on women at Egyptian

demonstrations

* Suez Canal revenue drops 7.4 pct in Feb vs Jan

* Egypt's Islamic authority asserts role, clashes with

Brotherhood

* Egypt calls in favours as credit crunch hits key imports

* Yields on Egypt T-bills climb at Thursday's auction

UNITED ARAB EMIRATES

* UAE c.bank agrees to soften plans for mortgage caps -

sources

* UAE's Al Dahra to invest $400 mln in Serbian agriculture

* Exxon in talks to sell 5 pct of Iraq field to Mubadala

fund

* Kuwait PM says two Kuwaitis among 94 accused in UAE plot

trial

QATAR

* Qatar economy grew 6.2 percent in 2012, 6.6 pct in last

quarter

* Qatari investors to buy 100 pct of Printemps

* Qatar's QInvest plans range of Islamic funds on new

platform

BAHRAIN

* Bahrain-based bank buys stake in Leeds United

KUWAIT

* Kuwaiti telco Wataniya appoints new CEO

(Compiled by Dubai newsroom)

Source: http://news.yahoo.com/mideast-stocks-factors-watch-mar-31-041432110--sector.html

target walmart best buy sears abercrombie abercrombie

Researchers engineer plant cell walls to boost sugar yields for biofuels

Mar. 29, 2013 ? When blessed with a resource in overwhelming abundance it's generally a good idea to make valuable use of that resource. Lignocellulosic biomass is the most abundant organic material on Earth. For thousands of years it has been used as animal feed, and for the past two centuries has been a staple of the paper industry. This abundant resource, however, could also supply the sugars needed to produce advanced biofuels that can supplement or replace fossil fuels, providing several key technical challenges are met.

One of these challenges is finding ways to more cost-effectively extract those sugars. Major steps towards achieving this breakthrough are being taken by researchers at the U.S. Department of Energy (DOE)'s Joint BioEnergy Institute (JBEI).

"Through the tools of synthetic biology, we have engineered healthy plants whose lignocellulosic biomass can more easily be broken down into simple sugars for biofuels," says Dominique Loque, who directs the cell wall engineering program for JBEI's Feedstocks Division. "Working with the model plant, Arabidopsis, as a demonstration tool, we have genetically manipulated secondary cell walls to reduce the production of lignin while increasing the yield of fuel sugars."

JBEI is a scientific partnership led by Lawrence Berkeley National Laboratory (Berkeley Lab) whose mission is to advance the development of next generation biofuels that can provide the nation with clean, green and renewable transportation energy that will create jobs and boost the economy. Loque and his research group have focused on reducing the natural recalcitrance of plant cell walls to give up their sugars. Unlike the simple starch-based sugars in corn and other grains, the complex polysaccharide sugars in plant cell walls are locked within a robust aromatic polymer called lignin. Setting these sugars free from their lignin cage has required the use of expensive and environmentally harsh chemicals at high temperatures, a process that helps drive production costs of advance biofuels prohibitively high.

"By embedding polysaccharide polymers and reducing their extractability and accessibility to hydrolytic enzymes, lignin is the major contributor to cell wall recalcitrance," Loque says. "Unfortunately, most efforts to reduce lignin content during plant development have resulted in severe biomass yield reduction and a loss of integrity in vessels, a key tissue responsible for water and nutrient distribution from roots to the above-ground organs."

Lignin has also long posed problems for pulping and animal feed. To overcome the lignin problem, Loque and his colleagues rewired the regulation of lignin biosynthesis and created an artificial positive feedback loop (APFL) to enhance secondary cell wall biosynthesis in specific tissue. The idea was to reduce cell wall recalcitrance and boost polysaccharide content without impacting plant development.

"When we applied our APFL to Arabidopsis plants engineered so that lignin biosynthesis is disconnected from the fiber secondary cell wall regulatory network, we maintained the integrity of the vessels and were able to produce healthy plants with reduced lignin and enhanced polysaccharide deposition in the cell walls," Loque says. "After various pretreatments, these engineered plants exhibited improved sugar releases from enzymatic hydrolysis as compared to wild type plants. In other words we accumulated the good stuff -- polysaccharides -- without spoiling it with lignin."

Loque and his colleagues believe that the APFL strategy they used to enhance polysaccharide deposition in the fibers of their Arabidopsis plants could be rapidly implemented into other vascular plant species as well. This could increase cell wall content to the benefit of the pulping industry and forage production as well as for bioenergy applications. It could also be used to increase the strength of cereal straws, reducing crop lodging and seed losses. Since regulatory networks and other components of secondary cell wall biosynthesis have been highly conserved by evolution, the researchers feel their lignin rewiring strategy should also be readily transferrable to other plant species. They are currently developing new and even better versions of these strategies.

"We now know that we can significantly re-engineer plant cell walls as long as we maintain the integrity of vessels and other key tissues," Loque says.

A paper describing this research in detail has been published in Plant Biotechnology Journal. The paper is titled "Engineering secondary cell wall deposition in plants." Loque is the corresponding author. Co-authors are Fan Yang, Prajakta Mitra, Ling Zhang, Lina Prak, Yves Verhertbruggen, Jin-Sun Kim, Lan Sun, Kejian Zheng, Kexuan Tang, Manfred Auer and Henrik Scheller.

This research was supported by the DOE Office of Science.

Share this story on Facebook, Twitter, and Google:

Other social bookmarking and sharing tools:


Story Source:

The above story is reprinted from materials provided by DOE/Lawrence Berkeley National Laboratory.

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


Journal Reference:

  1. Fan Yang, Prajakta Mitra, Ling Zhang, Lina Prak, Yves Verhertbruggen, Jin-Sun Kim, Lan Sun, Kejian Zheng, Kexuan Tang, Manfred Auer, Henrik V. Scheller, Dominique Loqu. Engineering secondary cell wall deposition in plants. Plant Biotechnology Journal, 2013; 11 (3): 325 DOI: 10.1111/pbi.12016

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

Disclaimer: Views expressed in this article do not necessarily reflect those of ScienceDaily or its staff.

Source: http://feeds.sciencedaily.com/~r/sciencedaily/top_news/top_environment/~3/VnUOT6b1alA/130329161247.htm

daytona race the cutting edge fox 8 news

WEB BASED BUSINESS-Why commence A Online Business.

Don?t be fooled, creating a successful online business will remove time. But, you can fleet track the process if you have lots of time and a shrimp extra cash. For a launch though, design obvious your desire to succeed is strong. It makes respectable business sense to be making money online as the internet is the fastest growing business tool on the planet. You can build a living online unprejudiced like thousands of people are already doing. Have a pleasant advance to your goals, a strong mindset and retract a business model that suits you, acquire the accurate people to work with and demonstrate enough choose to stick with your decisions.

Web Based Business- Is it just for you. Starting a web based business would be the right decision for you if you procure yourself actually searching for an opportunity. Never forget, it is distinguished, no matter which path you assume that you do things correct. Your learning curve is going to be off the charts but extermely worthwhile. Never forget to fabricate time for you and your online business because if you can?t then you need to request your decision to initiate at all.

Web Based Business-Why begin an Online Business. There is an great choice for everyone searching for ways to produce money online. Is that what it is all about though?making money? I reflect money is the result of doing something that we appreciate, maybe even care for, to do. So ask yourself why you want to launch an online business and I hope it is more about passion, integrity and long term success.

Web based Business-Do Your Due Diligence. Making the proper decision will depend on how well you weed out what isn?t legal for you, so collect well informed and you can be blissful that in the ruin the decisions you compose will be the correct ones. A prosperous web based business needs clever and solid work. I know, sorry, but you impartial can?t avoid it! Your success will be entirely up to you won?t it? Would a helping hand be a kindly opinion? Would assurances of success be a excellent notion? Does a coach who who puts their absorb money on the line sound though-provoking? I care for the guys I now work with.

When your done with looking around then there is no time like the exhibit to originate your online business. Grow your knowledge and education and launch your very beget web based business.

originate a Web Based Business That Works

Related Articles ? starting, your, believe, online, business,

Email this Article to a Friend!

Receive Articles like this one sing to your email box!Subscribe for free today!

Source: http://northeastambassadors.com/web-based-business-why-commence-a-online-business.html

madonna super bowl halftime kelly clarkson super bowl giants super bowl 2012 half time show halftime show 2012 kelly clarkson super bowl 2012 ok go

Saturday, March 30, 2013

The South: A near-solid block against 'Obamacare'

ATLANTA (AP) ? As more Republicans give in to President Barack Obama's health-care overhaul, an opposition bloc remains across the South, including from governors who lead some of the nation's poorest and unhealthiest states.

"Not in South Carolina," Gov. Nikki Haley declared at the recent Conservative Political Action Conference. "We will not expand Medicaid on President Obama's watch. We will not expand Medicaid ever."

Widening Medicaid insurance rolls, a joint federal-state program for low-income Americans, is an anchor of the law Obama signed in 2010. But states get to decide whether to take the deal, and from Virginia to Texas ? a region encompassing the old Confederacy and Civil War border states ? Florida's Rick Scott is the only Republican governor to endorse expansion, and he faces opposition from his GOP colleagues in the legislature. Tennessee's Bill Haslam, the Deep South's last governor to take a side, added his name to the opposition on Wednesday.

Haley offers the common explanation, saying expansion will "bust our budgets." But the policy reality is more complicated. The hospital industry and other advocacy groups continue to tell GOP governors that expansion would be a good arrangement, and there are signs that some Republicans are trying to find ways to expand insurance coverage under the law.

Haslam told Tennessee lawmakers that he'd rather use any new money to subsidize private insurance. That's actually the approach of another anchor of Obama's law: insurance exchanges where Americans can buy private policies with premium subsidies from taxpayers.

Yet for now, governors' rejection of Medicaid expansion will leave large swaths of Americans without coverage because they make too much money to qualify for Medicaid as it exists but not enough to get the subsidies to buy insurance in the exchanges. Many public health studies show that the same population suffers from higher-than-average rates of obesity, smoking and diabetes ? variables that yield bad health outcomes and expensive hospital care.

"Many of the citizens who would benefit the most from this live in the reddest of states with the most intense opposition," said Drew Altman, president of the non-partisan Kaiser Family Foundation.

So why are these states holding out? The short-term calculus seems heavily influenced by politics.

Haley, Haslam, Nathan Deal of Georgia and Robert Bentley of Alabama face re-election next year. Mississippi Gov. Phil Bryant is up for re-election in 2015. Louisiana Gov. Bobby Jindal is term-limited at home but may seek the presidency in 2016. While they all govern GOP-leaning states, they still must safeguard their support among Republican voters who dislike large-scale federal initiatives in general and distrust Obama in particular. Florida's Scott, the South's GOP exception on expansion, faces a different dynamic. He won just 49 percent of the vote in 2010 and must face an electorate that twice supported Obama.

A South Carolina legislator put it bluntly earlier this year. State Rep. Kris Crawford told a business journal that he supports expansion, but said electoral math is the trump card. "It is good politics to oppose the black guy in the White House right now, especially for the Republican Party," he said.

Whit Ayers, a leading Republican pollster, was more measured, but offered the same bottom line. "This law remains toxic among Republican primary voters," he told The Associated Press.

At the Tennessee Hospital Association, president Craig Becker has spent months trying to break through that barrier as he travels to civic and business groups across Tennessee. "It's really hard for some of them to separate something that has the name 'Obamacare' on it from what's going to be best for the state," he said, explaining that personality driven politics are easier to understand than the complicated way that the U.S. pays for health care.

Medicaid is financed mostly by Congress, though states have to put in their own money to qualify for the cash from Washington. The federal amount is determined by a state's per-capita income, with poorer states getting more help. On average in 2012, the feds paid 57 cents of every Medicaid dollar. It was 74 cents in Mississippi, 71 in Kentucky, 70 in Arkansas and South Carolina, 68 in Alabama. Those numbers would be even higher counting bonuses from Obama's 2009 stimulus bill.

Obama's law mandated that states open Medicaid to everyone with household income up to 138 percent of the federal poverty rate ? $15,420 a year for an individual or $31,812 for a family of four. The federal government would cover all costs of new Medicaid patients from 2014 to 2016 and pick up most of the price tag after that, requiring states to pay up to 10 percent. The existing Medicaid population would continue under the old formula. In its ruling on the law, the Supreme Court left the details alone, but declared that states could choose whether to expand.

Hospital and physician lobbying groups around the country have endorsed a bigger Medicaid program. Becker said he explains on his road show that the Obama law paired Medicaid growth with cuts to payments to hospitals for treating the uninsured. Just as they do with Medicaid insurance, states already must contribute their own money in order to get federal help with those so-called "uncompensated care" payments.

The idea was instead of paying hospitals directly, states and Congress could spend that money on Medicaid and have those new beneficiaries ? who now drive costs with preventable hospital admissions and expensive emergency room visits ? use the primary care system. But the Supreme Court ruling creates a scenario where hospitals can lose existing revenue with getting the replacement cash Congress intended, all while still having to treat the uninsured patients who can't get coverage.

Becker said that explanation has gotten local chambers of commerce across Tennessee to endorse expansion. "These are rock-ribbed Republicans," he said. "But they all scratch their heads and say, 'Well, if that's the case, then of course we do this.'"

In Louisiana, Jindal's health care agency quietly released an analysis saying the changes could actually save money over time. But the Republican Governors Association chairman is steadfast in his opposition. In Georgia, Deal answers pressure from his state's hospital association with skepticism about projected "uncompensated care" savings and Congress' pledge to finance 90 percent of the new Medicaid costs.

Altman, the Kaiser foundation leader, predicted that opposition will wane over time.

Arkansas Republicans, who oppose Democratic Gov. Mike Beebe's call for expansion, have floated the same idea as Haslam: pushing would-be Medicaid recipients into the insurance exchanges. Jindal, using his RGA post, has pushed the Obama administration to give states more "flexibility" in how to run Medicaid.

Deal convinced Georgia lawmakers this year to let an appointed state board set a hospital industry tax to generate some of the state money that supports Medicaid. That fee ? which 49 states use in some way ? is the same tool that Arizona Gov. Jan Brewer is using to cover her state's Medicaid expansion. Georgia Democrats and some hospital executives have quietly mused that Deal is leaving himself an option to widen Medicaid in his expected term.

"These guys are looking for ways to do this while still saying they are against 'Obamacare,'" Altman said. "As time goes by, we'll see this law acquire a more bipartisan complexion."

-----

Follow Barrow on Twitter (at)BillBarrowAP.

Source: http://news.yahoo.com/south-near-solid-block-against-obamacare-191744666.html

Seaside Heights nj transit PSEG hocus pocus hocus pocus mta schedule PECO

Downwardly mobile? A brief look at cell phone addiction ...

?One in ten people say they are addicted to their smartphone, a poll has revealed. And more owners than ever are seeking expert help. The US study of 2,000 college students found ten per cent claimed to have a full-blown addiction to the gadgets. Eighty-five per cent constantly checked theirs for the time, while three-quarters slept beside it. Meanwhile counsellor Peter Smith reported a ten per cent increase in Brits seeking help for smartphone addiction at his clinic in Weston-Super-Mare, Somerset. He said: ?Smartphone users feel they?ve got more control to communicate with whoever they want, whenever they want. But ironically, it?s that sense of control that creates the anxiety. It?s made younger people more reliant on maintaining those contacts ? which can create issues from bullying, to being marginalised and excluded. People lose track of time, becoming socially isolated and before they know it, can?t stop. Not having your phone raises your heart rate and signs of panic. These symptoms are almost identical to alcoholism or addiction to gambling, food or drugs? (The Sun, March 21, 2013)

The news report above appeared in The Sun newspaper last week, and as part of that article I was asked to devise a 10-item ?smartphone addiction test? for Sun readers?which I did (and can be found at the end of today?s blog). As regular readers of my blog will be aware, I have been studying ?technological addictions? for over two decades and I coined the term ?technological addictions? in a paper I wrote back in 1995. Although I have published a lot of papers on various technological addictions (e.g., slot machine addiction, video game addiction, internet addiction, etc.), I have only ever published one study on mobile phone addiction (with some of my research colleagues in Ramon Llull University, Barcelona, Spain).

Our study was published last year in the Anales de Psicologia, and comprised 1,879 students from Catalonian educational institutions (322 students of Ramon Llull University, and 1,557 secondary school students). We surveyed the students using the 10-item ?Questionnaire on Cell Phone Related Experiences? (Cuestionario de Experiencias Relacionadas con el Movil [CERM]), a psychometric instrument developed by Dr. Marta Beranuy and her colleagues in 2009. The CERM examines two areas of cell phone use conflicts and communicative/emotional use.

Our study reported that frequent problems with cell phone use were reported by 2.8 % of the participants. Problematic use was greatest in the youngest age groups. Perhaps unsurprisingly, the most used applications were text-messaging and making calls. We carried out a regression analysis and found that the types of cell phone use that contributed the most to problematic use were text-messaging and playing games, whereas making calls contributed the least. Our results suggest that very few young people have problems with cell phones, in contrast with the findings of previous studies in Spain that reported pathological cell phone rates of 7.9%-10.4%. Our results suggested that females have some difficulties with phone use. Other researchers have also reported that females use cell phones more than males, and perceive their use as more problematic than. We also noted in our paper that cell phones are becoming more varied in their use and new applications such as the playing of games appears to be more attractive to males.

Traditionally, the use of cell phones has been for communication and as such, the risk of problematic use was minimal. However, this risk of problematic use and/or addiction could be potentially higher for smartphones that include applications that promote the altering of user identity (e.g., gaming, social networking, etc.).

We also argued that some people may confuse habitual use of such technology as an addictive behaviour (when in reality it may not be). For instance, some people may consider themselves cell phone addicts because they never go out of the house without their cell phone, do not turn their cell phone off at night, are always expecting calls from family members or friends, and/or over-utilise cell phones in their work and/or social life. There is also the importance of economic and/or life costs. The crucial difference between some forms of game playing and pathological game playing is that some applications involve a financial cost. If a person is using the application more and is spending more money, there may be negative consequences as a result of not being able to afford the activity (e.g., negative economic, job-related, and/or family consequences). High expenditure may also be indicative of cell phone addiction but the phone bills of adolescents are often paid for by parents, therefore the financial problems may not impact on the users themselves.

It is very difficult to determine at what point cell phone use becomes an addiction. The cautiousness of researchers suggests that we are not yet in a position to confirm the existence of a serious and persistent psychopathological addictive disorder related to cell phone addiction on the basis of population survey data alone. This cautiousness is aided and supported by other factors including: (a) the absence of any clinical demand in accordance with the percentages of problematic users identified by these investigations, (b) the fact that the psychometric instruments used could be measuring ?concern? or ?preoccupation? rather than ?addiction, (c) the normalisation of behaviour and/or absence of any concern as users grow older; and (d) the importance of distinguishing between excessive use and addictive use.

All researchers agree in the necessity of longitudinal studies in order to check if perception of the problematic use of cell phones still exists over time. Many university students on the basis of self-report claim to have been ?addicted? to texting/instant messaging during some period of their adolescence. Our research suggests they are simply describing a period of their development with strong needs of social ties rather than a true addiction. If any of you reading this really want to know if you may have a problem with your smartphone, then you can take this test I devised. If you answer ?yes? to six or more of these statements, it may be indicative of a problematic and/or addictive use of your smartphone.

(1)? ?My smartphone is the most important thing in my life?

(2)? ?Conflicts have arisen between me and my family and/or my partner about the amount of time I spend on my smartphone?

(3)? ?My smartphone use often gets in the way of other important things I should be doing (working, education, etc.)?

(4)? ?I spend more time on my smartphone than almost any other activity?

(5)? ?I use my smartphone as a way of changing my mood?

(6)? ??Over time I have increased the amount of time I spend on my smartphone during the day?

(7)? ?If I am unable to use my smartphone I feel moody and irritable?

(8)? ?I often have strong urges to use my smartphone?

(9)? ?If I cut down the amount of time I spend on my smartphone, and then start using it again, I always end up spending as much time on my smartphone as I did before?.

(10) ?I have lied to other people about how much I use my smartphone?

Just remember that excessive use does not necessarily mean addiction, and the difference between a healthy enthusiasm and addiction is that healthy enthusiasms add to life, and addictions take away from them.

Dr Mark Griffiths, Professor of Gambling Studies, International Gaming Research Unit, Nottingham Trent University, Nottingham, UK

Further reading

Beranuy, M., Oberst, U., Carbonell, X., & Chamarro, A. (2009). Problematic Internet and mobile phone use and clinical symptoms in college stu- dents: The role of emotional intelligence. Computers in Human Behavior, 25, 1182?1187.

Carbonell, X., Chamarro, A., Beranuy, M., Griffiths, M.D. Obert, U., Cladellas, R. & Talarn, A. (2012). Problematic Internet and cell phone use in Spanish teenagers and young students. Anales de Psicologia, 28, 789-796.

Carbonell, X., Guardiola, E., Beranuy, M., & Belles, A. (2009). A bibliomet- ric analysis of the scientific literature on Internet, video games, and cell phone addiction. Journal of Medical Library Association, 97(2), 102-107.

Beranuy, M., Chamarro, A., Graner, C., & Carbonell, X. (2009). Validacion de dos escalas breves para evaluar la adiccion a Internet y el abuso de movil. Psicothema, 21, 480-485.

Griffiths, M.D. (1995). Technological addictions. Clinical Psychology Forum, 76, 14-19.

Griffiths, M.D. (1996). Behavioural addictions: An issue for everybody? Journal of Workplace Learning, 8(3), 19-25.

Griffiths, M.D.? (2005). A ?components? model of addiction within a biopsychosocial framework. Journal of Substance Use, 10, 191-197.

Larkin, M., Wood, R.T.A. & Griffiths, M.D. (2006). Towards addiction as relationship. Addiction Research and Theory, 14, 207-215.

Like this:

Like Loading...

Source: http://drmarkgriffiths.wordpress.com/2013/03/29/downwardly-mobile-a-brief-look-at-cell-phone-addiction/

hunger games movie review bats hunger games review jeff saturday jason smith jon corzine austin rivers

MintLife Blog | Personal Finance News & Advice | What are Divorce ...

What are Divorce Loans?

Money is cited as the number two reason that couples divorce. Ironically, it can become an even bigger issue once the marriage ends, and divorce proceedings begin.

Larry Rich, Divorce Magazine contributor and senior partner at Rich Rotstein estimates average hourly rates for ?intermediate level? lawyers and accountants, at $275 and $250, respectively.

Even in the case of a? ?simple divorce? in which both parties manage and agree to the division of assets, rates ranging from $400 to $700 for basic legal assistance aren?t uncommon.

If a decision cannot be reached, those hourly rates accrue throughout the processes of preparing a pleading, financial statements, court documents, periodic meetings with one another?s legal representation, and actual court and/or trial time.

While hefty professional fees may be justified when they mean the difference between reaching a just settlement or accepting a less than balanced deal, divorce can wreak havoc on a person?s credit rating and cash flow, and compromise one?s ability to qualify for any kind of a loan in order to fund a lengthy divorce battle.

Enter so-called divorce finance firms, which offer loan options custom made to suit the unique monetary situation divorcees face. ?Here?s the scoop on how divorce loans work, and how they might prove to be a divorcees? greatest asset.

Credit and income isn?t a concern.

Credit is often a key concern in a divorce, especially when one spouse managed most of the household finances, held financial accounts in his or her name, and served as the primary breadwinner.

Likewise, when one spouse hides or moves assets, or threatens to default on shared loans and mortgages, even divorcees with plenty of income and previously stellar credit may find themselves unable to secure loans and lines of credit in the midst of divorce proceedings.

In such situations, divorce finance firms can be the light at the end of the proverbial loan tunnel.

Nicole Noonan, director of client services at B.B.L Churchill Group Inc., one of the countries largest and most established divorce finance firms, explains that because the firm?s business model is customized to fit the unique situation of a person going through divorce, income and credit scores aren?t considered as part of the qualification criteria for a BBL Churchill loan.

?We are focused on the entire marital asset pool and based on that, the likely ?in hand settlement? at the end of the case.? That being said, however, divorce financing is typically geared towards clients of a certain income level.

At BBL Churchill, for example, the expected settlement is generally $200,000 or more.

You?ll get your money quickly?and can keep it.

Given that qualifying for a divorce loan has nothing to do with current financial status, divorce finance applications are rather short and to the point.

The BBL Churchill paper application is a one page form that can be accessed directly from the firms? website. Asking for little more than standard personal information and contact information of the applicants? legal representation, the process shouldn?t take more than a few minutes to complete.

Once the form is submitted, the decision to approve is based on information provided to BBL Churchill by the applicants? lawyer, and subsequent analysis of the expected settlement by BBL Churchill?s in house underwriters.

A prospective borrower can expect a loan decision within 72 hours from the time the firm makes contact with the client?s attorney. If approved, funds can be used to cover living expenses, expert costs, and/or legal fees.

While divorce finance firms vary on loan repayment terms, BBL Churchill doesn?t require any loan repayment until a settlement is reached. When it is, the loan is paid in full to BBL Churchill from the client.

In the event that settlement terms involve selling assets, Noonan says her firm works with the client for repayment, including waiting for the sale to take place when necessary.

Rates aren?t low?but they?re not outrageous.

Given that divorce finance firms like BBL Churchill aren?t based on credit and income, they bear significant risk in loaning money. That said, rates aren?t necessarily low, but Noonan says they are akin to credit card interest rates.

Regardless, the long-term value of a divorce loan can far outweigh the cost, specifically if the money leads a person to invest in the resources to discover bank accounts one spouse isn?t aware of, or locating paper trails and gifts of significant value that were made to a third party.

?While a loan could cost an additional interest rate, this could be more then offset by the pay off received when additional assets are discovered,? says Noonan.

Worry-free repayment.

Though clients may not have spare funds at the time they take on a BBL Churchill loan, there is a peace of mind factor in that the settlement in and of itself repays the loan.

Thanks to its underwriting expertise, Noonan says that a client has never gotten less than an expected settlement, and BBL Churchill has never been left holding the bag for a loan.

Stephanie Taylor Christensen is a former financial services marketer based in Columbus, OH. The founder of?Wellness On Less, she also writes on small business, consumer interest, wellness, career and?personal finance topics.

?

?

?

?

Source: http://www.mint.com/blog/trends/what-are-divorce-loans-0313/

the grey review demi moore 911 call ipo jim rome ufc on fox 2 weigh ins convulsions john tyler

Use a Sharpie to Make Custom Coffee Mugs, Personalized Plates, and More

Use a Sharpie to Make Custom Coffee Mugs, Personalized Plates, and More If you don't already have a favorite mug, or you want a fun, easy weekend project, grab a Sharpie and some white mugs, plates, or other dinnerware. That's all you need to make your own completely custom dishes, whether it's just a mug with a doodle on the side or a an intricately designed set of plates no one else has.

All you need are white mugs or plates (find them super-cheap at thrift stores or restaurant supply stores), and an ordinary Sharpie permanent marker. You can go crazy freehand and just start drawing on the plates or write your name or favorite quote on the mugs, or you can take some time and make a stencil to fill in with black or multi-colored markers for more intricate designs. When you're finished, just pop the mugs or plates into the oven (while cold) and bring it up to 350?F (~175?C) for about a half-hour to set the design.

It's that level of simplicity that makes this project so easy, and fun for kids and adults alike. Over at Cabin Connection, Lyndsey Gammage tested several different methods to get the longest-lasting, best-looking results, and found that oil-based Sharpie markers are ideal, along with an Acrylic sealing spray (easily found at most hobby stores) to keep the design from fading over time. Hit the link below to read more about her tests, or hit the Sweetest Occasion link to see how the mugs in the image above were made (and how to do great-looking custom plates using a stencil).

How to Bake Permanent/Sharpie Marker on Ceramic Coffee Mugs | CabinConnection.com

DIY Sharpie Dinnerware | The Sweetest Occasion

Source: http://feeds.gawker.com/~r/lifehacker/full/~3/ZlhEiZge69c/use-a-sharpie-to-make-custom-coffee-mugs-personalized-plates-and-more

stock act new york auto show khalid sheikh mohammed masters par 3 gwen stefani overeem laron landry