Saturday, March 31, 2012

Trying To Get Commercial Loans From Businesses And Financial ...

Commercial loan is proved to be lifeline by a good number of businesses, smaller or big and even home based or large manufacturing firms that want added capital to retain their business functioning. Commonly, banks are supplying loans for business. They supply this commercial loan rates to those that can meet their requirements that is an assessment of the loan returning capacity of the borrower. They analyze first the past records, existing liabilities and assets and credit score to determine the ability of the applicant to make repayments prior to they approve the loan quantity.

Banks present fixed loan quantity it doesn?t matter what perhaps necessary because they count on their findings instead of the necessary commitments the money is used for in order to meet. You?ll find also several financial institutions that give business loans other than banks. These commercial lending companies offer you money in hand from the gross monthly income of the enterprise. They?re carefully guided too by a set of specifications but they are much less strict compared to those of banks. Normally, small businesses that were not approved by banks can go to these financial institutions and get the loan using a considerable amount of cash.

These institutions optimize their rules to assist their customers due to the fact they are much more aggressive in providing loans than banks. This really is why virtually all entrepreneurs would like approaching financial institutions than banks when they wish to obtain business loans.

A fast survey of the method of getting business loans from monetary providers and banks would reveal why businesspeople depend upon them for funds. These financial companies have user friendly loan process, nevertheless banks are adhering to harder procedure that?s challenging for some individuals to follow or recognize.

The time it would require the loan processing and approval is vitally important and financial companies score high in this illustration. It might take numerous days or even weeks for banks to create the choice of irrespective of whether the loan might be approved however private corporations affirm that they can give loans in as brief as couple of hours. This is simply because the conditions that commercial lender develop are simpler to meet and are way more recommendable. The interest rate charged of the loan amount by banks and private institutions are a similar.

Related posts:

  1. Commercial Lending Available For Most Of Modest Businesses
  2. Several Kinds Of Commercial Lenders And Credit Options They Give
  3. Getting Suited Commercial Lenders For Your Economic Needs
  4. Commercial Loans For First Time And Active Organizations
  5. Right Monetary Selection Using A Good Commercial Lender

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news: Looking after your Body ? the natural way! - Business - Sales

It is within our best interest to look after skin, any many women will spend much time and money in doing this, many of whom have never found that perfect product for them. What if we were to tell you that all the money and time you have spent on dealing with expensive, high brand names was all a waste. No doubt this would leave you with a sense of anger and a feeling of no hope. There is however now an amazing new idea, when it comes to looking after your skin. Tests have been undertaken using only natural products, and the results have phenomenal. It seems that natural skin care is the way forward for you and this is how you can achieve it.

There could be many reasons why you choose to care for your skin. Although it should always be a task that is undertaken on a daily basis, many of us start using skin care products for a variety of different reasons. It could be that you have just had a baby, and have been left with the unsightly stretch marks as the result of your pregnancy, or it could be simply down to growing up and succumbing to the aging effect of a human being.

Whichever your reasons were, you can be sure that through using a natural skincare remedy that you will start to see the results you desire. Why the Skin changes -

As we start to grown older in life our skin starts to lose its strength, the very straight that in the beginning provided us with a tough yet flexible protection form the elements our bodies may encounter. As we start to grow older, our skin will start to lose key ingredients such as collagen and elastin. Both if these substances provide our skin with the essential proteins it needs to keep on protecting our bodies.

So they key here is to find a product, that will enable our bodies to effectively stimulate our skin to produce these minerals. The Vitamins A, D, F and E are also essential when it comes to maintain our Skin. We need to keep our skin hydrated and one product that can provide you with all of these essentials is the natural product Shea butter.

It is not a very well-known fact that many products released from major brands can actually become more harmful for our skin. Just because there ingredient list will fill the back of the packaging it comes in, it does not mean the ingredients benefit our skin. In fact the ingredients that would benefit your skin are never given to you in a large enough quantity to actually help the cause.

Shea butter is the very latest proven product that can assist you in a wide range of skin predicaments. Problems such as Chapped lips, cracked heels and even extremely dry skin can all be treated through the use of Shea Butter. Shea butter has many other uses and can also be used to treat your hair. Shea butter will instantly nourish your hair which will in exchange mean your hair will look and feel healthy for a substantial period of time after being applied.


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SmackDown results: Jericho built WrestleMania momentum by 'besting' Kofi Kingston

All WWE programming, talent names, images, likenesses, slogans, wrestling moves, trademarks, logos and copyrights are the exclusive property of WWE, Inc. and its subsidiaries. All other trademarks, logos and copyrights are the property of their respective owners. ? 2012 WWE, Inc. All Rights Reserved. This website is based in the United States. By submitting personal information to this website you consent to your information being maintained in the U.S., subject to applicable U.S. laws. U.S. law may be different than the law of your home country. WrestleMania XXIX (NY/NJ) logo TM & ? 2012 WWE. All Rights Reserved. The Empire State Building design is a registered trademark and used with permission by ESBC.

Source: http://www.wwe.com/shows/smackdown/2012-03-30/results

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Friday, March 30, 2012

Several Easy Steps Being Good In public areas Speaking | welcome ...

During the entire history of human being civilization, folks have been showing their assurance and energy, not only by drive, but also because of the noble craft of public speaking. The orators regarding ancient Greece were very respected and also valued locally. Likewise, today??s entire world leaders are admired and also esteemed when they?ve the power to treat the public along with poise and conviction. Such a large regard pertaining to public speaking helps to make the average person wince at the idea of talkin? During the entire history of human being civilization, folks have been showing their assurance and energy, not only by drive, but also because of the noble craft of public speaking. The orators regarding ancient Greece were very respected and also valued locally. Likewise, today??s entire world leaders are admired and also esteemed when they?ve the power to treat the public along with poise and conviction. Such a large regard pertaining to public speaking helps to make the average person wince at the idea of speaking in front of viewers no matter how small or big the size. No matter whether giving a toast with a wedding or perhaps delivering an address to a huge assembly, most people make a big problem about public speaking and try to avoid it as much as possible. Nevertheless public speaking ought not cause this sort of big bother. Challenging as it may be, public speaking can be done by incorporating simple rules. Before Making It: Preparation Like any other undertaking, public speaking requires careful planning is perhapsidentified these unfortunately virtually anyone may perhaps in addition attain top country songs to be successful. Many individuals would imagine having people ??inspired?? spontaneous toasts seen in videos; however, this kind of scenes not often happen in actual life. To have no less than a decent speech, one should approach well. The world??s most famous commanders prepare for open public addresses, and many even have clubs to work in those ideas. Well, even if one does not have a very speech planning committee one can prepare for public speaking. First, one should know for what the situation the speech is designed for. The Gettysburg tackle would definitely ?t be appropriate for a marriage; thus, an address has to healthy the event in which it will be sent to. Second, one should examine the crowd who will watch the speech. The assembly regarding academics would not take a catchy speaker significantly; one should select a suitable public speaking style using the audience. 3 rd, one should ponder what is getting expected from the speech. The farmer??s association might usually not have an interest on a speech about the particulars of beadwork; one should carefully examine the subject matter to be undertaken in public speaking. Making It: Writing All over again, dazzling impulsive speeches not often happen in actual life. Most good speeches have already been written previous to their supply. While most known public figures have got speech-writing committees, one can come up with a good speech even without the aid of a team of ghostwriters. Whenever writing pertaining to public speaking, one should carefully arrange the belongings in the speech. It always pays properly to begin with a really strong intro. It is important to hook the audience??s focus early to prevent them coming from being uninterested Quite a lot of the most powerful black lingerie easily. Next, the body must be purposeful. The belongings in the speech should relate properly and assistance each other. It is not good to digress too much; though at times many deviations support attract focus when dullness arises. Last but not least, one should come up with a conclusion that will sticks to your mind. Regardless how stirring an address is, it truly is useless if the people no way the instant these people leave the range. Conclusions should give a short and snappy but remarkable recap on the body. Your Public Speaking: Delivery A written speech would not be consummated minus the actual public speaking itself. This can be a part everybody is afraid of; however when proper planning and publishing is done properly, the supply should comply with easily. One must decide getting in touch with speak coming from memory or use notices. Beginners should benefit from a script or even a guide, as soon as one gets to be more comfortable presentation, one can commence relying coming from memory. Reading directly from a script could be very boring for your audience; consequently, it is important to keep constant exposure to them. Talking from memory space is quite amazing, but it can often be difficult to avoid lacking some parts on the speech. Actually talking to notes can be a good compromise so long as one is able to be aware of the factors well. The choice of how to give the speech would depend entirely on this speaker; consequently, it is important for one to weigh the choices carefully. Being familiar with Public Speaking Many resources could seriously help one do well in public speaking. Several ebooks and articles or blog posts about the topic have already been published and so they can preferably be accessed throughout the library or the bookstore. Many companies coupled with bose companion 5 multimedia speaker system if you should investigate numerous web-site If you are looking pertaining to information on any topic, a message board is a great place to stop by. And, if you are building your individual website, consider adding one; there are lots of benefits, and it will be loved by everyone who goes to your site. offer public speaking training, etc services offer in-depth courses that could help a single speak properly in public. Additionally, there are several articles or blog posts and programs available throughout the Internet, a number of them are perhaps posted at no cost.

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Source: http://www.oadt.us/several-easy-steps-being-good-in-public-areas-speaking/

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An Inside Look at the Special Education Profession

Special education professionals work to promote students? overall behavioral, social and academic growth. Special education professionals aide students in developing socially appropriate behavior within their family, school and community. Teachers of special education help students become more confident in their social interactions. Special education professionals administer activities that build students? life skills.

What Does the Job Entail?

Are you interested in helping others? Can you handle and care for people who learn differently and have other behavioral problems? Do you want to make a difference in a young child?s life? If you answered ?yes? to any of these questions, then you might consider a career in special education. Below is a breakdown of the short and long-term responsibilities of a special education teacher.

First and foremost, special education teachers focus on the development and academic needs of children with disabilities. They encourage learning in disabled students by implementing educational modules and behavioral techniques. Special education teachers work alone or with general education teachers to individualize lessons, develop problem-solving techniques and integrate children into group projects with other students. Furthermore, special education teachers are responsible for ensuring that the needs of disabled children are met during assessment periods.

Did you know that special education teachers work with a team of professionals, qualified staff and family in order to fulfill their job requirements? It is true. In fact, special education teachers work in conjunction with these entities to create an Individualized Education Program (IEP) for each student. An IEP is designed in collaboration with a child?s parents, school principal, social worker, speech pathologist and general education teacher to ensure effective implementation. An IEP targets a student?s needs and growth areas for maximum response. The specialized goals set by the IEP are woven throughout all aspects of a child?s daily activities. Teachers of special education must monitor a child?s setbacks and progress and report back to parents and administrators. Planned goals and tasks are outlined for family members to refer to while a student is at home as well.

The types of disabilities a special education teacher might encounter are difficult to predict. For one, the qualifications for special education services vary greatly from mild disabilities to extreme cases of mental retardation or autism. Types of disabilities include, but are not limited to, the following: speech impairments, hearing disabilities, emotional disturbances, orthopedic impairments, brain trauma cases, blindness, deafness and learning disabilities.

Do You Exhibit These Qualities?

Now that you have an idea of the job?s demands, let?s see if you have the right qualities to be a special education teacher.

Recognize the symptoms and needs of special needs students

Patience

Ability to work with one or more parties to achieve short-term and long-term goals

Strong communication skills

Ability to motivate others

Ability to multi-task

Knowledge of the most recent education modules, medical research and behavioral practices

  • Creativity
  • Knowledge of the latest medical technology relevant to special education

    Taking the Next Step toward a New Career

    Once you have decided to enter the field of special education, you will need to follow several steps. Due to the specialization of the field, special education teachers in all 50 states must receive licensure before employment. Licensures are approved by each state?s board of education, and the requirements for certification differ between states. Nevertheless, the growing shortage of special education teachers has led institutions of higher education to offer more special education degree and certification programs. In fact, special education degrees are offered at the bachelor?s, master?s and doctoral levels throughout the nation. Not to mention, the booming field of distance learning has made certification more accessible from any location in the United States.

    In many cases, hopeful special education professionals do not meet the requirements of special education licensure due to their prior completion of degree programs outside of the field of education. Therefore, several states have begun to offer alternate forms of certification. The hope of these programs is to attract new special education professionals and fill the growing need for teachers. The chance to positively impact the lives of special needs children is one of the driving motivations and benefits of entering this field.

    After several years, some special education teachers look for new opportunities within their field. In the most common situations, special education professionals transfer to administrative or supervisory positions. Others, after receiving a higher degree, become college professors and educate new students in the field of special education. Experienced teachers of special needs students have also moved up to serve as mentors to incoming special education teachers.

    As for the future of special education and employment, there are many changes on the horizon. Most significantly, the job market in special education, according to the Bureau of Labor Statistics (BLS), is projected to ?increase faster than the average of all occupations by 2014.? Due to the new emphasis on education and training in legislature, special education professionals will become even more valued.

    Can I Make a Living as a Special Education Teacher?

    As mentioned previously, the special education job market is on the rise. In 2004, the BLS reported 441,000 employed special education teachers in the nation. While only 6 percent worked within private schools, over 90 percent were employed by public schools or districts. In rare cases, special education professionals were involved in home or hospital care.

    Several factors determine a special education teacher?s financial compensation. Such factors include experience, educational background, area of specialty and geographical location. In May 2004, the BLS reported the following breakdown of median annual earnings of special education teachers:

    Preschool, kindergarten and elementary school level: ? $43,570

    Middle school level: ? $44,160

    Secondary school level: ? $45,700

    Special education teachers receive increases in salary through additional involvement in their schools? educational activities and through coaching school athletic teams. In some districts, being a mentor to a new special education teacher carries additional monetary benefits. However, the most common way to increase earnings is through the completion of a higher degree, which can also make a teacher?s instruction more credible and valuable.

    elearnportal is an information resource center for finding high quality, online college courses and degrees.

    Author: Cathy Cravits
    :

    Source: http://e07.net/an-inside-look-at-the-special-education-profession/

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    Strategies For Buying Physical fitness Gear - Networked Politics

    Residence health and fitness equipment is an excellent financial commitment. Working out inside the privacy of the property delivers both effortless entry and balance for your each day operate out. Sadly, most beginner workouts make big blunders when buying their 1st bit of conditioning equipment. The very first error fitness gear purchasers make is to buy a machine with also a lot of characteristics.

    To start with additional functions signifies extra capital. In the case of health equipment a lot more funds does not imply superior quality. A lot of from the electronic characteristics conditioning equipments provides are in no way used or employed quite seldom. This really is because many people can not figure out the way to properly make use of the computer and quit. The fundamental conditioning equipment attributes are all which you require. Just like acquiring an auto or even a piece of furniture check for creating quality. Inquire your self may be the equipment nicely place with each other, durable, sturdy, and secure. Great development combined using a quiet device are the only actual qualities you?ll want to look for inside a treadmill. Exactly the same is accurate for all health gear.

    Ensure that you try out the equipment just before acquiring it. The initial place to start is usually a health club, get monthly membership and go in and see anything you like and hate. When you locate a piece of health and fitness equipment you might be interested in then go out to a number of shops and attempt their machines. Make certain you put on your exercise garments and exercise footwear. Most health and fitness devices appear fantastic just sitting them, flip it on and use for a superb twenty minutes. Weight devices need to be employed for a minimum of 20 repetitions. Do not be concerned to attempt something out of one?s price tag assortment. Have fun once you go out searching, see what the higher end equipment gives and what capabilities you could do without having then acquire your conditioning equipment accordingly.

    In case you are novice inside the exercise globe, do not invest in something difficult or difficult to use or setup. You?ll not use, and you have thrown away your income. A lot of in the substantial end health and fitness equipment require the coordination of higher and lower bodies which might be really mind-boggling for men and women that are much less experienced with workout routines. Usually do not be scared to consult queries. Don?t be reluctant to ask for an facts sheet and inquire about all fees. Look for discounts and product sales. Many health and fitness gear sellers will provide to place collectively your new physical fitness gear and provide it for you personally no additional expense or even a little charge ? let them! For an extra hundred you?ll not have the headache of assembly and also you will ensure that the piece of equipment is put collectively properly.

    Purchase shard a href=?http://www.officielairmax.com/air-max-pas-cher-nike-air-max-classic-bw-c-155.html?Air Max Classic BW/a from recognized a href=?http://www.officielairmax.com?Air Max/a Store right now with Speedily Shipment, Safeguarded Payment Extraordinary Customer Service at www.officielairmax.com.

    Source: http://www.networked-politics.info/?p=170589

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    Thursday, March 29, 2012

    Record labels come to life in the music industry. Indie artists get your ...

    The period between the introduction of the CD and the introduction of online music websites was rosy indeed.

    Now the music industry has changed more in the past five years than it has in the past 20 years. Few industry professionals expected the changes that have occurred in the past few years. Album sales are down while marketing costs are high. The bottom line is that indie artists are moving to self-publishing.

    Most music artists havent been able to find the necessary tools and resources to help them market their music. While an aspiring artist may have been fortunate to meet some record labels representatives at a recent gig ? has that turned into a successful career?

    Many musicians are not familiar enough with the business of music to be able to negotiate a deal that is beneficial for all parties. Some are unsure, what it is they should be looking for whether it is marketing support, studio time and most importantly the guidance and music industry experience.

    An important resource enables its members to connect with people who are looking to manage, promote, book, market and be part of the next wave of the music scene. From opportunities to having your music heard at festivals to finding the right management representative whose goals are concurrent with yours.

    There has never been a better time for aspiring musicians as the industry is hungry for new music talent. With the right tools and resources, you can build your connections to the players in the industry and with your fans.

    With the overwhelming number of talented individuals in Canada, United States and around the world, the New Music Label community continues to grow with more Music Artists, Musicians, Producers, Agents and Record Labels looking to work together. Find record labels on our site.

    No related posts.

    Source: http://bitinfinite.com/record-labels-come-to-life-in-the-music-industry-indie-artists-get-your-music-heard-by-real-industry-professionals/

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    Cesarean Sections in the U.S.?The Trouble with Assembling Evidence from Data

    U.S. Cesarean Section Rates

    Surgery detail

    Surgery detail

    Pregnancy, labor, and delivery have become increasingly medicalized in recent decades, leading to criticism from multiple factions. For instance, the rate of cesarean section in the U.S. (and in many other developed nations) draws fire from the World Health Organization (WHO), which suggests that the c-section rate should not rise above 15% [1].

    There?s no doubt that the rate of c-section is high in the United States compared to elsewhere in the world. In 2009, cesareans accounted for 32.9% of all deliveries, up from 20.7% in 1996 [2]. Worldwide, rates of c-section vary tremendously, with cesarean rate being very nearly a proxy measurement for access to skilled birthing assistance. According to WHO, the least developed countries have c-section rates averaging around 2%, while the most developed regions average just above 20% [3]. In fairness, these numbers can?t be compared directly to the current c-section rate in the U.S., as they are several years old. At the time of the WHO report, the U.S. c-section rate was around 27.6%.

    Induction of labor is a relatively common birthing intervention in the U.S., occurring in 23% of all pregnancies [2]. There is a well-established relationship between induction of labor and increased risk of c-section [4, 5], with one study estimating that induction itself contributed to eventual cesarean in approximately 20% of induced labors (other contributing factors aside) [6]. Another study suggested that induction more than doubled the likelihood of a c-section [7].

    Is The Cesarean Rate A Problem?

    While it?s tempting to look at the data and make the assumption that over-medicalization is responsible for the high rate of induction and c-section in the U.S. ? and to further extrapolate that the high rate of c-section is responsible for increased maternal mortality ? there are several problems with this interpretation. First, it goes without saying that c-sections, while not medically necessary in the majority of deliveries, are lifesaving for both mother and infant when medically required. Per WHO data, those undeveloped nations with the very lowest c-section rates have staggeringly high maternal mortality, with more than 1 in 100 labors resulting in the mother?s death. By comparison, maternal mortality in much of Europe and North America is in the range of 0.001 ? 0.03% [3]. This somewhat deromanticizes the image of a native tribeswoman squatting in her hut, giving birth ?as nature intended.? It?s easy to forget that if we desire completely natural childbirth, we have to accept the natural maternal and neonatal mortality that accompanies it.

    Further, despite the link between induction and increased risk of c-section, judiciously used induction can actually prevent surgical intervention. A study of women at 41 weeks? gestation found that those who underwent induction were 12% less likely to require a c-section than those allowed to go into labor naturally [8]. There?s also significant evidence that pregnancies that go past 42 weeks are associated with increased neonatal morbidity (harm) and mortality [9]. Given the relatively low percentage of American women ? 5.5% ? who give birth at or after the 42-week mark, however, appropriate use of induction in the case of a post-term fetus can?t explain the c-section rate in the U.S.

    Judicious and appropriate use of the c-section aside, there?s considerable evidence that non-medically indicated c-sections pose a risk to the mother. A study that excluded women with complications of pregnancy found that c-section was associated with a threefold higher maternal mortality as compared to vaginal delivery [10]. Planned c-sections are quite a bit safer than unplanned c-sections, according to the data. One study showed no difference in maternal mortality or serious maternal morbidity between planned c-section and vaginal delivery [11], while another showed a reduced risk of certain negative maternal outcomes ? including hemorrhage ? with planned c-section [12]. A third showed a modest increase in risk to the mother with regard to normal complications of surgery (including wound bleeding, longer hospital stay, and reactions to anesthetic). There was no increase in maternal mortality as compared to vaginal delivery, however [13]. With regard to the infant, mortality and serious morbidity are significantly lower in the case of a planned c-section than in that of a planned vaginal delivery [11]. Neonatal morbidity and mortality risk in cases of unplanned c-section are difficult to quantify accurately, since complications resulting in the need for a c-section are significant confounding factors.

    With regard to long-term effects of cesarean delivery on the infant, there?s been some interest in a so-called ?hygiene hypothesis,? which suggests that vaginal delivery helps to colonize the infant gut with healthy bacteria [14]. As yet, however, this hypothesis is unproven. Studies have found no difference in long-term risk of death or developmental consequences associated with c-section delivery [15], and evidence supports the ability of the mother and infant to bond appropriately regardless of delivery type [16]. There is evidence that neonatal morbidity and mortality in a subsequent pregnancy are higher if the mother delivered by c-section in her first pregnancy [17]. However, this data is difficult to interpret in a meaningful way, since many c-sections are the result of complications of pregnancy, increasing the likelihood of a subsequent complicated pregnancy.

    Based upon the data, it?s reasonable to conclude that an uncomplicated vaginal delivery is safest for mother and baby, while a planned c-section is safer than a complicated vaginal delivery that results in an unplanned c-section. Unfortunately, it?s impossible to know in advance who will have an uncomplicated vaginal delivery.

    Possible Influences On Cesarean Section Rates

    One theory regarding the high rate of c-sections in the U.S. as compared to those in certain other developed nations holds that the litigious nature of American society creates fear, and therefore overreaction, in the obstetrician. There?s some support for this theory; the likelihood of a c-section is indeed higher in cases in which there is greater risk of a malpractice suit [18]. Further, a survey of obstetricians revealed that physicians were more likely to comply with a request for cesarean delivery (in a medically ambiguous case) if they perceived a greater threat of litigation [19].

    However, while the threat of suit may partially explain the c-section rate in the U.S. (in an unquantifiable way about which we may only speculate), it?s reasonable to assume that most obstetricians are interested first and foremost in good patient outcomes. After all, obstetrics is one of the medical specialties with the highest rates of lawsuit. If a physician?s sole motivation were to minimize the risk of litigation, that physician would be better off in another specialty.

    There are other factors unique to the U.S., however, that could help explain the c-section rate. First, while obesity is a problem in much of the world, nowhere is it as epidemic as in the U.S. Currently, 36% of U.S. men and women are obese [20], while another third of Americans fall into the less severe ?overweight? category [21]. No other nation comes close to competing; obesity rates are around 26% for both men and women in the U.K., and around 25% for both genders in Australia and New Zealand. In Italy and Germany, approximately 20% of the population is obese, with lower rates still in France. Sweden has 11% obesity among women, with a rate of 15% among men [20]. Excess body fat is associated with a significantly increased risk of complications of pregnancy, including gestational diabetes and high blood pressure [22]. Even among women who are not significantly overweight or obese pre-pregnancy, the rate of excess pregnancy-related weight gain is high, with 20.8% of pregnant American women gaining more than 40 pounds [2]. For comparison purposes, most women are advised to gain 25-35 pounds during pregnancy. Excess weight gain during pregnancy is, like pre-pregnancy overweight and obesity, associated with increased risk of gestational diabetes and other complications. The rate of gestational diabetes in the U.S. is currently 4.8%, while the rate of pregnancy-related high blood pressure is around 4%, an increase of 50% over 1990 levels [2]. Both obesity and diabetes significantly increase the risk of cesarean delivery [23, 24]. Excess body fat decreases the rate of cervical dilation and protracts labor, both of which increase the likelihood of cesarean. Overweight women are about 1.2 times more likely than normal weight women to require a c-section [25, 26], while obese women are around 1.7 times more likely than normal weight women to require a cesarean [26, 27]. Adjusted for American overweight and obesity rates, the 32.9% c-section rate becomes 26.15%, which is closer to the rates observed in leaner developed nations.

    Obesity is not the only factor that fundamentally affects the c-section rate. One of the benefits of modern obstetric technology is that women can maintain higher-risk pregnancies than ever before. Further, women who are infertile or past their peak of fertility can receive reproductive assistance and become pregnant. Delivery by cesarean is strongly and positively associated with advanced maternal age; while the c-section rate in 2009 was 32.9% for all women, it was lowest in the youngest mothers (22.3% and 27.4% for women younger than 20 and 20-24 respectively), and highest in the oldest mothers (40.6% and 46.7% for women 35-39 and older than 40 respectively) [2]. From an evolutionary perspective, it?s intuitive that the women best able to deliver their babies vaginally would be the younger ones. For the majority of human history, the average life expectancy has been about 30 years [28], indicating that women did not evolve to engage in routine vaginal delivery into their 30s and 40s. That c-section rate is a proxy measure for availability of medical care isn?t necessarily an indication that practitioners, by definition, overuse c-section. The association must be at least partially attributed to the fact that the most developed nations ? those with greatest access to medical care and some of the highest c-section rates ? are those very nations in which women can utilize medical technology to conceive where they would otherwise be incapable of doing so.

    Furthermore, women of advanced maternal age and those who receive fertility treatments of certain types have increased probability of giving birth to twins or higher order multiples. In fact, the rate of twins born in the U.S. has increased dramatically in recent years, nearly doubling since the 1980s. Increases have been highest among older mothers. In 2009 alone, the twin birthrate increased by 2% over that of 2008, while the rate of higher-order multiples rose by 4% in a single year [2]. These increases are typical of recent years. Interestingly enough, the c-section rate has also been climbing by about 2% a year. While this is an intriguing correlation, it?s not a basis for suggesting that the increased prevalence of multiples is solely responsible for the rising c-section rate. Still, as most twins and higher-order multiples are delivered by cesarean, there is certainly a connection.

    Then, too, there?s the simple fact that the modern c-section has been performed for almost 150 years, which is enough time to observe changes in the prevalence of certain genes on a population level. Women with small or unusually shaped pelvic openings who produced babies too large to fit through the pelvis (fetal-pelvic disproportion) were once at a great reproductive disadvantage. Before the modern c-section, such a woman would have been unlikely to produce a living child (or unlikely to survive her first delivery, which would have limited her to a single child). This would have decreased the prevalence in the population of genes associated with the many factors that can lead to fetal-pelvic disproportion. Now, however, such women are no longer at a reproductive disadvantage in those populations in which the c-section is commonly practiced. As such, the associated genes could reasonably be expected to become more prevalent in those populations, thus necessitating increasing numbers of c-sections. This is yet another intriguing (albeit unproven) forcing that could affect c-section rate.

    Making Sense Of The Information

    The question at the heart of all this is Do obstetricians in the U.S. do too many unnecessary c-sections? Unfortunately, this question is very problematic to answer. The major impediment to drawing strong, scientific conclusions about this issue is that the majority of birthing studies are non-randomized. This leads to significant confounding of the data, and makes generalizations difficult. For instance, an obese woman (higher risk of c-section) is more likely to be inactive than a non-obese women (higher risk of c-section [29]), and is more likely to have high blood pressure and/or diabetes than a non-obese women (higher risk of c-section). She?s also at higher risk of carrying a fetus with congenital abnormalities (30), which could negatively impact fetal health and increase the risk of a c-section. An obstetrician, knowing that this woman is at higher risk of a c-section, could very naturally approach the situation expecting to end up doing a c-section (and worrying about his liability because of this high-risk patient), both of which increase the patient?s risk of having a c-section. If, in the end, the woman has a c-section, is it because she needed it, or because she had so many risk factors that it didn?t make sense to wait? After all, the odds of a good outcome in a planned c-section are better than the odds of a good outcome in an emergency c-section, and the former is only slightly riskier to the mother ? and is less risky to the baby ? than a planned, uncomplicated vaginal delivery. Further, calculating the risks (to either mother or baby) associated with an emergency c-section is a difficult thing; after all, a c-section wouldn?t have been done on an emergent basis if there weren?t some indication of either maternal or fetal distress. It is therefore problematic to separate morbidity and mortality associated with the root cause of the distress from morbidity and mortality attributable to the surgery.

    Ultimately, the c-section rate in the U.S. is likely affected by a number of factors, but may also owe much to risk-to-benefit analysis conducted by well-intentioned obstetricians, who are interested in maximizing maternal and neonatal wellbeing. Given that there are situations in which uncomplicated vaginal delivery is less likely, and given that a planned c-section is much safer than an emergency c-section, an obstetrician with any inkling that a patient could end up needing surgical intervention might reasonably conclude that scheduled surgery is the least risky of the available routes. It?s very easy ? assuming the baby was delivered successfully and the mother is well ? to look back on a c-section and call it unnecessary. This assertion, however, can?t be proven; it?s possible that both mother and baby would have come through a vaginal delivery in good health, but it?s also possible that the c-section was lifesaving. After the fact, there?s no way to know. In the end, the only cesarean that we can be absolutely certain was necessary is the one that, tragically, wasn?t done in time.

    References:

    1) World Health Organization. Appropriate technology for birth. Lancet. 1985 Aug 24;2(8452):436-7.

    2) Martin et al. Births: final data for 2009. Natl Vital Stat Rep. 2011 Nov 3;60(1):1, 1-72.

    3) Betran et al. Rates of caesarean section: analysis of global, regional and national estimates. Paediatr Perinat Epidemiol. 2007 Mar;21(2):98-113.

    4) Burgos et al. Induction at 41 weeks increases the risk of caesarean section in a hospital with a low rate of caesarean sections. J Matern Fetal Neonatal Med. 2012 Feb 17. [Epub ahead of print]

    5) Wilson et al. The Relationship Between Cesarean Section and Labor Induction. J Nurs Scholarsh. 2010 Jun;42(2):130-8.

    6) Ehrenthal et al. Labor induction and the risk of a cesarean delivery among nulliparous women at term. Obstet Gynecol. 2010 Jul;116(1):35-42.

    7) Seyb et al. Risk of Cesarean Delivery With Elective Induction of Labor at Term in Nulliparous Women. Obstet Gynecol. 1999 Oct;94(4):600-7.

    8) Sanchez-Ramos et al. Labor Induction Versus Expectant Management for Postterm Pregnancies: A Systematic Review With Meta-analysis. Obstet Gynecol. 2003 Jun;101(6):1312-8.

    9) Rand et al. Post-Term Induction of Labor Revisited. Obstet Gynecol. 2000 Nov;96(5 Pt 1):779-83.

    10) Kamilya et al. Maternal mortality and cesarean delivery: An analytical observational study. J Obstet Gynaecol Res. 2010 Apr;36(2):248-53.

    11) Hannah et al. Planned caesarean section versus planned vaginal birth for breech presentation at term: a randomised multicentre trial. Lancet. 2000 Oct 21;356(9239):1375-83.

    12) Geller et al. Maternal Outcomes Associated with Planned Vaginal Versus Planned Primary Cesarean Delivery. Am J Perinatol. 2010 Oct;27(9):675-83. Epub 2010 Mar 16.

    13) Liu et al. Maternal mortality and severe morbidity associated with low-risk planned cesarean delivery versus planned vaginal delivery at term. CMAJ. 2007 Feb 13;176(4):455-60.

    14) Neu et al. Cesarean versus vaginal delivery: long-term infant outcomes and the hygiene hypothesis. Clin Perinatol. 2011 Jun;38(2):321-31.

    15) Whyte et al. Outcomes of children at 2 years after planned cesarean birth versus planned vaginal birth for breech presentation at term: The international randomized Term Breech Trial. Am J Obstet Gynecol. 2004 Sep;191(3):864-71.

    16) Durik et al. Sequelae of cesarean and vaginal deliveries: Psychosocial outcomes for mothers and infants. Dev Psychol. 2000 Mar;36(2):251-60.

    17) Huang et al. Cesarean delivery for first pregnancy and neonatal morbidity and mortality in second pregnancy. Eur J Obstet Gynecol Reprod Biol. 2011 Oct;158(2):204-8.

    18) Localio et al. Relationship Between Malpractice Claims and Cesarean Delivery. JAMA. 1993 Jan 20;269(3):366-73.

    19) Fuglenes et al. Obstetricians? choice of cesarean delivery in ambiguous cases: is it influenced by risk attitude or fear of complaints and litigation? Am J Obstet Gynecol. 2009 Jan;200(1):48.e1-8. Epub 2008 Oct 30.

    20) International Obesity Taskforce

    21) U.S. Centers for Disease Control and Prevention

    22) Sebire et al. Maternal obesity and pregnancy outcome : a study of 287213 pregnancies in London. Int J Obes Relat Metab Disord. 2001 Aug;25(8):1175-82.

    22) Ehrenberg et al. The influence of obesity and diabetes on the risk of cesarean delivery. Am J Obstet Gynecol. 2004 Sep;191(3):969-74.

    23) Dempsey et al. Maternal pre-pregnancy overweight status and obesity as risk factors for cesarean delivery. J Matern Fetal Neonatal Med. 2005 Mar;17(3):179-85.

    24) Nuthalapaty et al. The Association of Maternal Weight With Cesarean Risk, Labor Duration, and Cervical Dilation Rate During Labor Induction. Obstet Gynecol. 2004 Mar;103(3):452-6.

    25) Vahratian et al. Maternal Pre-pregnancy Overweight and Obesity and the Risk of Cesarean Delivery in Nulliparous Women. Ann Epidemiol. 2005 Aug;15(7):467-74.

    26) Raatikainen et al. Transition from Overweight to Obesity Worsens Pregnancy Outcome in a BMI-dependent Manner. Obesity (Silver Spring). 2006 Jan;14(1):165-71.

    27) Weiss et al. Obesity, obstetric complications and cesarean delivery rate?a population-based screening study. Am J Obstet Gynecol. 2004 Apr;190(4):1091-7.

    28) Hayflick, L. The future of ageing. Nature. 2000 Nov 9;408(6809):267-9.

    29) Melzer et al. Effects of recommended levels of physical activity on pregnancy outcomes. Am J Obstet Gynecol. 2010 Mar;202(3):266.e1-6. Epub 2009 Dec 22.

    30) Leddy et al. The Impact of Maternal Obesity on Maternal and Fetal Health. Rev Obstet Gynecol. 2008 Fall;1(4):170-8.

    Source: http://rss.sciam.com/click.phdo?i=505a5575c415dbda887878d2c520e3a0

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    New Worldwide Social Network Cafe4tune.com Launches in Beta with 20,000 Users and Companion iPhone, iPad and Android Apps

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    Source: http://news.yahoo.com/worldwide-social-network-cafe4tune-com-launches-beta-20-120000104.html

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    Wednesday, March 28, 2012

    Odd lipid out may illuminate evolution

    ScienceDaily (Mar. 28, 2012) ? Spectroscopic evidence for the unusual handedness of a mammalian lipid may advance our understanding of evolution.

    Phospholipids are the main constituents of the cellular membranes in all organisms, ranging from single-celled archaea to highly complex plants and mammals. According to conventional wisdom, the chemical backbone of phospholipids in archaea is 'right-handed', but left-handed in all other organisms. The little-understood mammalian phospholipid bis(monoacylglycero)phosphate (BMP), however, is a possible exception to this rule. Peter Greimel, HuiHui Tan and their colleagues at the RIKEN Advanced Science Institute, Wako, have now obtained the first proof that BMP is indeed right-handed.

    BMP is found only in mammals, and is a common -- but minor -- constituent of all animal tissues. The internal membranes of the waste treatment and recycling centers of cells -- so-called late endosomes and lysosomes -- have a higher proportion of BMP than any other animal membranes. This raised an intriguing question, explains Greimel: "How does BMP escape degradation inside these organelles, unlike all the other lipids and proteins?" This led to the [hypothesis] that BMP might actually be right-handed, allowing it to avoid attack by the organelle's digestive enzymes that are only capable of recognizing, and therefore destroying, left-handed lipids. All previous attempts to confirm the suspected unusual handedness -- or chirality -- of BMP had hit problems.

    The research team first synthesized all the possible variations of BMP. They then reacted these variations with the chiral shift reagent D-camphor. "The D-camphor induced a change in the spectroscopic behavior of each synthetic BMP analogue," explains Greimel. This meant that the nuclear magnetic resonance (NMR) -- a common spectroscopic technique -- spectra of the BMP analogues were different enough to be distinguished from each other.

    Next, the researchers isolated natural BMP from baby hamster kidney cells using standard techniques, then reacted it with D-camphor under very gentle conditions and analyzed it spectroscopically. They then compared the NMR spectra of the natural BMP derivative and the synthetic molecules. "Analysis of the spectroscopic data revealed that natural BMP is exclusively right-handed," Greimel says.

    "Since BMP is right-handed, it means it most likely originated from the same common ancestor as archaea," he explains. The research team now plans to identify the enzymes involved in the biosynthesis of BMP, with the hope that detailed knowledge of this biosynthetic pathway will eventually lead to a better understanding of how life evolved on Earth.

    Additionally, Greimel says that "now we know the [chirality] of the molecule, we can think about synthesizing analogues in order to develop novel drugs, in this case to treat lysosomal storage diseases."

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    Story Source:

    The above story is reprinted from materials provided by RIKEN, via ResearchSEA.

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


    Journal Reference:

    1. Hui-Hui Tan, Asami Makino, Kumar Sudesh, Peter Greimel, Toshihide Kobayashi. Spectroscopic Evidence for the Unusual Stereochemical Configuration of an Endosome-Specific Lipid. Angewandte Chemie International Edition, 2012; 51 (2): 533 DOI: 10.1002/anie.201106470

    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://www.sciencedaily.com/releases/2012/03/120328090611.htm

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    Boehner, Reid talks may end U.S. transport bill standoff (reuters)

    Share With Friends: Share on FacebookTweet ThisPost to Google-BuzzSend on GmailPost to Linked-InSubscribe to This Feed | Rss To Twitter | Politics - Top Stories Stories, RSS Feeds and Widgets via Feedzilla.

    Source: http://news.feedzilla.com/en_us/stories/politics/top-stories/209294656?client_source=feed&format=rss

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    Tuesday, March 27, 2012

    New Business Re-Invents the Traditional Brick & Mortar Retail Shop ...

    Posted by on March 27th, 2012

    Destin, FL (PRWEB) March 26, 2012

    The retail market is evolving into a consumers paradise. With a cold, calculated, click of a mouse, the hardest to find products can be made to appear at astronomically low prices. The internet has changed the face of sales and there is no turning back. Local brick & mortar retailers are quickly becoming ancient relics as they lose out to e-commerce powerhouses like Amazon and Wal-Mart. Despite the difficulties many business owners are facing, some are successfully adapting to the changing landscape. New software and innovative business structures are making it possible to integrate a locally owned retail shop into a national provider of goods through both physical and non-physical markets. Mike Fisher of Disaster Relief Supply, a family-owned retailer dealing in emergency preparedness supplies, shares strategies on mixed market sales.

    -Advertising-

    Advertising dollars can go quick for a small business with a limited budget. Every small business owner is constantly reminded of the multitudes of advertising possibilities. Print, radio, internet, mailings, sponsorships, door-to-door, the list goes on and on. With both local and online markets at stake, its hard to know how to invest. Fisher recommends an altered approach to traditional methods.

    Trial and error is fundamentally important in a new market. Start off small and find what works, then concentrate on those methods to reach customers and convert sales. The internet offers almost countless advertising opportunities. Keep in mind that methods that drive in high traffic, may not convert as many sales as a more targeted approach. Overall advertising online can add up if not monitored closely, especially pay-per-click or pay-per-impression campaigns. However, there are some inexpensive or free outlets that are worth looking into.

    1.

    You can leave a response, or trackback from your own site.

    Source: http://bluemeanieme.com/2012/03/27/new-business-re-invents-the-traditional-brick-mortar-retail-shop/

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    How To Accomplish More by Learning Fitness Facts | AHIP's Health ...

    There are quite a few fun fitness facts that you may or may not be familiar with. There is no question that in order to be healthy and maintain the right weight, you have to avoid junk food and eat the good stuff and then exercise. We are just reinforcing what you already know about living the healthy way. Here are a few excellent fitness facts that you will want to take with you.

    Remember that regular work outs help to maintain strong bones, and as we all know that is a concern as one ages. Women in particular are at risk for developing osteoporosis, which causes the bones to weaken. Therefore, simply applying everything you know to address this issue is the important thing to do. The health of your bones is something you depend upon with everything you do, though we tend to take our bones for granted until we develop problems in this area. So maintaining strong bones is one of the best reasons of all to stay fit.

    Chances are very good that you would rather have good looking skin rather than not, and your skin tone will improve with fitness level. There are a lot of things you can do to help your skin stay healthy and young looking, as you know.

    Your blood needs to carry away all the toxins that build up in the body, and that is why a stronger circulatory system is vital. When you sweat, you?re also detoxing, which is one reason you should do some strenuous activity regularly. The long term benefits of physical fitness are well known, and your quality of life will remain better and for much longer.

    Do not forget that you have to keep going during the colder months, but there is much you can do here. Staying fit all year round can help keep you in shape for the activities you enjoy most. When you maintain a high level of conditioning all year round, then that makes for sustained health. That way, you?ll be able to perform them better and there will be less of a chance of getting injured. So hopefully continuing to work out all the time will be something you want to do. Also remember the important thing you want to avoid is feeling burned out from doing the same thing all the time.

    When you approach it with the right mindset, fitness can be fun as well as beneficial. Once you begin discovering all that there is to know, then that will give you more to work with. We?ve looked at a few fun fitness facts that can help motivate you, but you could dig up many others as well. You can also try using some kind of fitness equipment like bench press to obtain much more added benefits, this can assist you obtain a perfect fitness workout.

    If you wish to find out more on fitness industry, Richard Holland can assist you to get slimmer and obtain you highly effective, slim, and feeling good. You can check these following websites: http://richardsfitnessequipmentreview.com and http://richardsfitnessequipmentreview.com/bench-press/fitness-training-get-fit-in-no-time-with-the-help-of-this-article

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    Source: http://www.ahipbelieves.com/physical-fitness/how-to-accomplish-more-by-learning-fitness-facts/

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    Degrees of Separation: Long-Distance Relationships liberette

    ?Long distance is the wrong distance,? Tina Fey?s character, Liz Lemon, proclaimed on an episode of 30 Rock a few seasons ago. The statement was meant as a comical bit of advice, delivered to a colleague, so I laughed, much like half of America undoubtedly did. But, now, as I reflect back, having been a part of numerous long distance relationships, I wonder if it?s the distance that makes the situation ?wrong?, or if it is the conditions of the relationship.

    No relationship is easy; this is evident by the couples that we witness in real life, on television and in our favorite movies. The strains of relationships are further tested when put under the strenuous concerns of division. Some can?t deal with the lack of physical proximity, while some thrive on the freedom. To know if you can survive a long distance relationship, you have to first be aware of the types of long distance relationships, and what degree/type of relationship that you have. Below, I?ve listed three types of long distance relationships, one of which you and your partner may qualify as.

    When in Town-ers: This relationship is easy, compared to the others. Essentially, when these two are in the same city, things of the sexual variety happen. The connection doesn?t have to be emotional, and there is no relationship expectation pressure. ?Fly-by hookups? are an easy term for this particular situation, but more than that, there still has to be a degree of communication in order to keep a connection like this flourishing. It doesn?t require the same amount of conditioning and affection as the other relationships, but the occasional check-up is necessary.

    The Casuals: While these two love birds are connected, they allow for one another to fly freely when they are not together. When they are together, they are devoted; no one else and nothing else matters. This relationship is motivated by honesty. These two may wander from time to time, but they care enough to stop and discuss discourse so they continuously remain connected to one another.

    The Dedicated: An exclusive couple, the distance of relationship is merely meant to be temporary. This love duo supplements time apart with letters, messages and heightened communication, so that their relationship remains rich.

    Perhaps you don?t know the status of your long distance relationship, and you?d like to. Firstly, some relationships don?t fit into categories, but for those that do ?the easiest way to establish where you are in your relationship is to have a discussion with your partner about your possible relationship goals. Other advice is to make the most of your time when you are together, take turns visiting one another ?don?t lay the responsibility on one person, be understanding when your significant other falls out of touch, schedule time to communicate with your lover/partner (using the phone, social media outlets and video conferencing), and be more trusting.

    Source: http://liberettemag.com/2012/03/26/degrees-of-separation-long-distance-relationships/

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    Cervical cancer test kit jumps Asian cultural hurdles

    [ [ [['Afghan security forces and police killed three', 3]], 'http://yhoo.it/H9BcJE', '[Related: Bales\' wife on his alleged shooting: \'He would not do that\']', ' ', '630', ' ', ' ', ], [ [['looking for fireworks between the opposing camps', 16]], 'http://yhoo.it/GSvEsj', '[RELATED:\?It?s going to be a circus\?: Activists begin protests outside Supreme Court]', ' ', '630', ' ', ' ', ], [ [['entirely respectable way to put off the searing constitutional controversy', 8]], 'http://yhoo.it/GE6jSh', '[RELATED: Obama\?s health care law passed 2 years ago, but where are we now\?]', ' ', '630', ' ', ' ', ], [ [['Witnesses said the gunman pulled up on a black scooter', 7]], 'http://yhoo.it/GzwOIW', '[Related: New York police tighten security at Jewish sites]', ' ', '630', ' ', ' ', ], [ [['test Zimmerman for alcohol or drugs', 11]], 'http://yhoo.it/Gzn6VF', '[Related: White House says Trayvon Martin is local issue]', ' ', '630', ' ', ' ', ], [ [['entirely respectable way to put off the searing constitutional controversy', 12]], 'http://news.yahoo.com/photos/tea-party-activists-defy-rain-to-rip-obama-health-care-law-slideshow/', 'Click image to see more photos', 'http://l.yimg.com/a/p/us/news/editorial/4/31/431f2f4f7ed388d5bc5557b0a76267fa.jpeg', '450', ' ', 'Reuters/Jonathan Ernst', ], [ [['associated with such a small earthquake', 4]], 'http://yhoo.it/GTco9z', 'Click image to see more photos', 'http://l.yimg.com/a/p/us/news/editorial/0/b4/0b493c1a47b6e3f97f8f48a2b251d7d4.jpeg', '630', ' ', 'AP Photo/Carrie Antlfinger', ], [ [['Fox News host Geraldo Rivera sparked outrage', 3]], 'http://yhoo.it/GKMVTk', 'Click image to see more photos', 'http://l.yimg.com/a/p/us/news/editorial/2/7c/27c7367bc512d233ae1790b320a5e92c.jpeg', '630', ' ', 'AP Photo/John Minchillo', ], [ [['The charges signed against Bales include', 1]], 'http://yhoo.it/wZT5zV', 'Click image to see more photos', 'http://l.yimg.com/a/p/us/news/editorial/7/a0/7a07c51b2aa0f39b1a23355046d13870.jpeg', '512', ' ', 'AP Photo/DVIDS\, Spc\. Ryan Hallock\, File', ], [ [['George Zimmerman, if I had a son', 6]], 'http://news.yahoo.com/photos/thousands-protest-fla-teen-death-1332387124-slideshow/', 'Click image to see more photos', 'http://l.yimg.com/os/152/2012/03/22/d761a49f3fcc99080a0f6a70670053cd-jpg_150905.jpg', '500', ' ', 'AP Photo/John Minchillo', ], [ [['Mohamed Merah', 10], ['prosecutor Francois Molins', 5]], 'http://news.yahoo.com/photos/four-dead-in-french-jewish-school-shooting-1332173151-slideshow', 'Click image to see more photos', 'http://l.yimg.com/cv/ip/ap/default/120321/2012_03_21t151508z_425380421_gm1e83l1sqs01_rtrmadp_3_france_shootings_raid.jpg', '630', ' ', 'REUTERS/Jean-Paul Pelissier', ], [ [['Shortly after he wrapped up his victory remarks', 2]], 'http://news.yahoo.com/photos/4-straight-romney-wins-washington-gop-caucus-1330835515-slideshow/', 'Click image to see more photos', 'http://l.yimg.com/a/p/us/news/editorial/3/e9/3e9b0082c3c3111dcc19e3527ae94cc7.jpeg', '500', ' ', 'AP Photo/Steven Senne', ], [ [['best understands the problems of average Americans', 2]], 'http://news.yahoo.com/photos/4-straight-romney-wins-washington-gop-caucus-1330835515-slideshow/', 'Click image to see more photos', 'http://l.yimg.com/a/p/us/news/editorial/3/e9/3e9b0082c3c3111dcc19e3527ae94cc7.jpeg', '500', ' ', 'AP Photo/Steven Senne', ], [ [['Group for Historic Aircraft Recovery', 7]], 'http://yhoo.it/GB2RVy', 'Click image to see more photos', 'http://l.yimg.com/os/152/2012/03/20/photo-1332257995646-4-0-jpg_171722.jpg', '630', ' ', 'AFP', ], [ [['xxxxxxxxxxxx', 11]], 'http://news.yahoo.com/photos/russian-grannies-win-bid-to-sing-at-eurovision-1331223625-slideshow/', 'Click image to see more photos', 'http://l.yimg.com/a/p/us/news/editorial/1/56/156d92f2760dcd3e75bcd649a8b85fcf.jpeg', '500', ' ', 'AP', ] ]

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    Source: http://news.yahoo.com/cervical-cancer-test-kit-jumps-asian-cultural-hurdles-115042051.html

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    Monday, March 26, 2012

    Business Financing: The Internet Opens Up Unique Small ...

    Article by Andrew Stratton

    In good economic times, it can often be difficult to obtain a small business loan. But, when times are tough, it becomes nearly impossible to convince a bank to take a risk on a small to mid-sized business. This puts the business owner in a tight position because he needs money to grow and make improvements if he is going to succeed. Innovations in small business financing on the Internet have opened up a whole world of possibilities for small to mid-sized business owners.

    The latest trend is invoice financing marketplaces that offer services similar to accounts receivable factoring. For the business who is interested in accessing cash that is owed to them, here are the basics of this small business financing process and some key words to know:

    The Basic Process:

    A small to mid-size business owner needs cash now for growth, an improvement or even to make payroll. He has outstanding invoices where clients owe him money. He won?t see the money for a month or two, sometimes even longer. This is capital that is inaccessible to him at the moment.

    So, he lists the invoices on an online auction site where an buyer purchases the invoice. For a fee, the business owner can access the working capital and use it to help his business grow. The buyer diversifies his investment portfolio with this low-risk, short-term financing opportunity and makes some money.

    Words to Know

    Invoice Financing versus Factoring-While the two are similar, the financing option gives more power to the seller whereas factoring allows the buyer to hold most of the cards.

    In the marketplace for this form of small business financing, accounts receivable are posted at the discretion of the seller who also gets to set the minimum advance price and maximum discount fee. It is not a loan, but allows businesses to access money owed to them before the invoice due date.

    Debtor-This is the customer who owes money to the business.

    Accounts Receivable Invoice-This is the record of money owed to the business and what is posted on the auction site for purchase.

    Buyers-This is the entity that purchases the accounts receivable invoice. The typical receivables buyer consists of banks, hedge-funds and other large financial and investment entities.

    Advance-Prior to the completion of the transaction, the buyer agrees to a certain amount of cash advanced to the business. The amount may lean a seller towards one buyer over another. Once the debtor has paid the invoice in full, the seller receives the rest of the cash minus the fees.

    Auction Closing Date-The seller can set the length of the auction process.

    Asset-based Financing-This is a way for small businesses to access capital through the assets or collateral of the business. In this case, the asset is the outstanding invoice and it is a creative alternative to conventional bank loans.

    Discount Fee-This is the amount determined by the auction that the seller pays the buyer upon sell of the invoice. It is basically how the investor makes his money. The seller can place a maximum value that he is willing to pay.

    Buyout Price-Similar to eBay?s Buy It Now feature, Sellers can set a favorable price for which he?s willing to sell the invoice and end the auction before the specified close date.

    A simple application to the online auction site can put a small to mid-sized business on the road to success with this innovative small business financing process.

    Source: http://www.citizensmith2010.com/2012/03/business-financing-the-internet-opens-up-unique-small-opportunities/

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    Bobbleheads Explain the News (Powerlineblog)

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    Source: http://news.feedzilla.com/en_us/stories/politics/top-stories/209173346?client_source=feed&format=rss

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