Bank on the Advantages of Credit Unions - Personal Finance ...

From: fivecentnickel.com - 10:46pm - August 7, 2012

In recent years, I?ve sometimes been stuck in lines at my bank that made me feel like time had stood still. Whenever this happens, I and other customers wait. And wait. And wait some more. Eventually, we all begin giving out like-sounding sighs. Then we start rolling our eyes. And finally, someone says, ?Can you believe this [...]

Continue reading this article ?

Source: http://ewallstreeter.com/bank-on-the-advantages-of-credit-unions-3588/

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Reader Questions: Who is " Not in Labor Force " ? Who is Counted as

Disclaimer

Trading involves risk, including possible loss of principal and other losses, and past performance is no indication of future results. We make no representations that the techniques used in our rankings or selections will result in or guarantee profits in trading. Further, our analyses are based on third-party data, which we cannot guarantee as to adequacy, accuracy, completeness or timeliness. We accept no responsibility for any loss arising for use of these materials.

Hypothetical or simulated performance results have certain limitations unlike an actual performance report. Simulated results do not represent actual trading. Also, since the trades have not actually been executed, the results may have under or over compensated for the impact, if any, of certain market factors such as lack of liquidity. Simulated trading programs in general are also subject to the benefit of hindsight. No representation is being made that any account will or is likely to achieve profits or losses similar to those shown.

Source: http://ilene.typepad.com/ourfavorites/2012/08/reader-questions-who-is-not-in-labor-force-who-is-counted-as-unemployed.html

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M 1.7, Southern California

This webpage has been replaced by a new version and will be phased out in the future. Please use our new Real-time Earthquake Map to access the latest earthquake information and event details. The links to the World, US, and CA/NV maps that were in the navigation on the left side of the page have been replaced by the links at the top of the new Map. The Real-time Earthquake Map User Guide describes how to use the map and all its features.

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Magnitude0.5
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Location Uncertaintyhorizontal +/- 1 km (0.6 miles); depth +/- 1 km (0.6 miles)
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Shuffle Master is Granted Interactive Gaming License in Nevada ...

Monday, August 6th, 2012 at 12:49 am ?

Shuffle Master is Granted Interactive Gaming License in Nevada
MarketWatch (press release)
We believe the potential for online gaming is tremendous and we are very excited to have this opportunity to capitalize on the innovation, proprietary brands and experience we are known for in brick-and-mortar casinos and leverage them to service our ?

Online Gambling Strategies ? Google News

Source: http://www.online-gambling-strategies.info/shuffle-master-is-granted-interactive-gaming-license-in-nevada-marketwatch-press-release/

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Benefits of Pilates Method

Do you know the benefits of Pilates?

The desire to have flat abs or lengthy, lean muscles often draws individuals to Pilates, but there tend to be many additional benefits in order to Pilates. It is a mind-body exercise that will help become more aware of how the body moves and will refresh your body and mentally to reduce stress. Pilates will additionally improve your posture. Like a total body workout, Pilates can correct over-trained muscles and stop injury while helping a person develop improved core strength and increased flexibility and flexibility.

Who began Pilates?

Pilates (?puh-LAH-tees?), was started by Joseph Pilates who had been born in Germany within the year 1880.

As a young child, he suffered from Asthma, Rickets (underdevelopment within cartilage and new bone as a result of vitamin D deficiency) as well as rheumatic fever. These ailments prompted him to constantly look for ways to improve their physique and endurance. Bikram yoga studied anatomy, Eastern and Western types of exercise including Yoga, fumbling and acrobatics. Exercise became a life-style and a means associated with managing his health.

Within 1926, Joseph Pilates made the voyage to New York City.

Along his way he or she met his wife Clara, the Nurse, and they opened the very first Pilates studio next to some ballet school. Joseph and Clara built a company with a strong trustworthiness of relieving pain and growing flexibility and strength in order to dancers and athletes as well.

What is Pilates?

Pilates, (originally called ?Contrology?), is understood to be ?the complete coordination associated with body, mind and spirit?.
Pilates is a kind of exercises developed to extend, strengthen, tone and align your body, while helping to reduce excess pressure and stress about the joints. It is helpful if you feel of Pilates as a brand new language for your body to learn that will help you move in a better way. Once you have grasped the bond of the body and mind, the body will get rid of improper form and method through improved skill as well as repetition. Your body will even welcome and utilize the actual increased flow of air for muscular nourishment as well as mental clarity.

Will it help me slim down?

Please read the subsequent carefully?several times.
The key to reducing your weight is three fold.
You have to incorporate nutrition, cardiovascular exercise and strength training?consistently.
Pilates falls underneath the ?strength training? category and can help firm up parts of your muscles.
Firm muscles= Loss associated with inches.
Loss of inches. = Smaller clothing dimension.

If your goal is weight reduction, Pilates is a wonderful addition for your overall health program?but it won't be your end- just about all -be- all. We will constantly be encouraging you to definitely review and reflect about the habits that brought you to definitely a place where you stand no longer happy together with your appearance and what active steps you're taking to make positive changes to achieve your new body objectives.

How many times per week should I do Pilates Exercise?

Joseph said,?within 10 sessions you'll feel the difference within your body, with in 20 sessions you will notice the difference in the body, within 30 sessions everyone else will see the distinction. ? If you really are a beginner, the ideal pace is always to do Pilates two -three times per week to start. Again, consistency is essential to your success.

Can one continue or start Pilates Pre/Post Pregnancy?

Yes?as long as just before continuing or initiating any workout program you have gained clearance out of your medical practitioner. This is an essential time to build strength and awareness within your body. We work on pelvic ground musculature, awareness of developing postures because of your ever-changing body, body image and overall body strengthening to organize you for carrying around your precious newborn.

Source: http://pilate.ezinemark.com/benefits-of-pilates-method-7d3743e1303e.html

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Website Designing Gurgaon,internet Internet site Design ,Web Style ...

Date: 2012.08.05 | Category: Meimei ??? | Tags: cheap web design company,cheap website design india,graphic design,mobile website development

What sort of content is needed to accomplish our targets?Contents: The material and data on the internet site must be primarily based on the site and actually really should emphasis on the sector of the inhabitants that it is about.

London is the company centre of the United kingdom and as a massive proportion of modern enterprise is carried out online right now, it is only normal that the creative industries also locate themselves gravitating toward the Capital. That is not to say that there arent a lot of extremely qualified and seasoned web design londonconsultancies outside the house London, but within the M25 you will discover some of the highest account organizations with several years of knowledge guiding them. These internet style London businesses were at the vanguard of the surge in inventive improvement for the duration of the nineteen nineties and are even now positioned in the capital these days.

As 1 of the most popular search engine marketing organizations in Malaysia, search engine marketing Penang continually renders higher high quality services to its customers. Search engine optimisation Penang guarantees that the keywords they help their clientele will look on the 1st site final results of search engines, or consumers will not pay out for their support. In guaranteeing that search phrases will look on the best 10 ranking, this organization does not holiday resort to unethical techniques or means. This helps make the company trustworthy and quickly -expanding. Also, search engine marketing Penang continuously monitors the visibility of their consumers on the net by constantly including search phrases that will expansion the reputation of their clientele. This company believes that by assisting business enterprises and business owners develop, their firm also flourishes.

web design

Many organizations want to locate a world wide web design and style organization which is skilled but the aim must be to find the one which is the finest at its perform. It is this firm which will be capable to do justice to your needs. Uncover below 5 this sort of factors which can assist you in the endeavour.

The website style firm may go for element price tag method. This signifies that you will be billed in accordance to the variety of site that your site will have. The 3rd way in which a webdesign firm may cost you is by content supply pricing. This means that you will have to shell out them for the amount of hours put in on creating your web site.

When you are focusing on offering products on your internet site, designing your website with a plan these kinds of as Magento will make it considerably less difficult and more quickly. This software has the built-in features that you will want to keep track of orders, generate dynamic advertising and marketing tactics, and generate consumer lists. The method is completely equipped for eCommerce and all of the elements of conducting company proficiently.

If have a company, and you want it to prosper then you also need to have to encourage it offline and on-line. For on the internet advertising, you need a skilled website. So that more and a lot more customers and folks can get to know your company and can turn out to be element of it. But I am shocked to see that there are some folks who want to make on the web skip out the key part that is they do not give significantly attention to internet site style and design.

The 1st issue to help you narrow the research is knowledge. There are many website advancement companies that supply research engine optimization.
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Source: http://blingmeimei.com/2012/08/05/website-designing-gurgaoninternet-internet-site-design-web-style-business/

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Vital Pointers About Merchant Services: How 3-D Secure Benefits ...

As increasing numbers of individuals are beginning to purchase services and goods from the internet, financial security has developed into concern. Because online shoppers are now becoming savvy to internet scams, scam artists are currently finding new ways to trick shoppers out of their money. Thankfully online purchases can be protected against fraudulent activity with the use of 3-D Secure.
What Is 3-D Secure? The 3-D Secure technology adds an extra layer of protection to merchant services (click and learn more). Each time a customer makes an online purchase they?ll be asked to provide a password. Consumers will have to register this password ahead of time and input it in addition to all the other usual security checks.
When Is 3-D Secure Used? This protocol is required at the point of purchase. Once a consumer has placed an item into their cart and gone to check-out, they?ll be confronted with a credit card processing page. This page will ask them for their name, credit card number, card expiry date, verification number and password.
How Does 3-D Secure Work? This Visa processing service works by giving online shoppers more protection. Whenever a person commits identity theft they can easily get their hands on the charge card details of their victim. What they will not be able to access is the card verification number because this is unique to each and every card. However individuals who have stolen a credit card are going to have the means to access this number. Without 3-D Secure a credit card thief could complete a purchase using the above information. The password required by 3-D Secure makes credit card fraud a lot more difficult as thieves would have to crack the password.
The Key Benefits of 3-D Secure for Merchants and Customers The most obvious advantage of using this Visa and Mastercard processing system is that it protects consumers from credit card scams. However merchants are also able to reap the benefits of this technology. Some of the advantages merchants can gain by using this technology include a reduction in fraud, decreased liability, improved sales, increased marketing opportunities, and lowered operational costs. Businesses who use 3-D Secure can even advertise this extra layer of security to prospective customers. This makes them feel secure with regards to purchasing goods using their credit card.
The fact is getting a merchant account is not an easy task for small or new businesses. Individuals who wish to use 3-D Secure will likely need to have a merchant account set up. Banks are extremely strict about who they give these accounts to. As a result businesses should approach an established merchant account provider. This type of company can help businesses in their application for a merchant account. As banks are hesitant to give this technology to internet businesses, this help may be the difference between becoming approved or declined.

Source: http://www.bara.net/2012/08/vital-pointers-about-merchant-services-how-3-d-secure-benefits-merchants/

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Mobile Gaming Won't Kill Off Video Game Consoles




Why The Oculus Rift Kickstarter Is A Better Bet Than Ouya

Erik KainErik Kain
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Will Games Like ?Horn? Spell The End For Video Game Consoles?

Erik KainErik Kain
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DUST 514 Is A New Kind Of Shooter ? An Interview With CCP Games CEO Hilmar P?tursson

Erik KainErik Kain
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Too often, people mistake the rapid growth in mobile gaming as a sign of the console?s decline.

More Pie Please

Lately we?ve been talking a lot about the rise of mobile gaming, the advent of the Ouya, and the future of the gaming space. Lots of doom-and-gloom predictions have been circling, with people going so far as to say that mobile gaming and upstarts like the Ouya might kill off the traditional console altogether.

Actually, some people are eagerly cheering this future, though I strongly believe this is not only not?a likely future, but also not a good future for gaming. Eager or fearful, the predictions are wrong. The consoles isn?t going away any time soon.

First off, everyone is looking at this the wrong way. Too many people have this notion that there?s a fixed pie in the gaming space and that success in mobile will eat away at the consoles or render them irrelevant.

A fixed pie is the wrong way to approach this subject, however. If anything, the gaming market is simply growing across the board, and much of the stagnation we?re seeing in console gaming is simply because these consoles are in the twilight of their life-cycle.

Consoles aren?t selling as rapidly as they did in the past because quite a few people already own a console now, and quite a few more are holding off for next-gen.

Mobile Is Hot And Its Heating Up

Mobile, on the other hand, is growing ?rapidly, and mobile and browser-based gaming has been evolving as rapidly as the market has grown ever since the iPhone debuted.

This growth makes mobile gaming attractive to investors and developers alike, but eventually it will stabilize just like traditional gaming has. The tech will continue to improve, but the market itself can?t grow this fast forever.

Furthermore, there?s no indication that mobile is growing?at the expense?of more traditional gaming or that casual games are crowding out more ?hardcore? titles. Outside of anecdotes about some sequels being ?dumbed down? for broader audiences, the market as a whole still has plenty of AAA titles, difficult games, and so forth.

Instead of looking at mobile as a threat to consoles, we should see it as a possible stepping stone for casual gamers leading toward more investment in the deeper experience of console and PC gaming.

People who enjoy consoles aren?t leaving that space for greener pastures in mobile, but plenty of people who never played console games to begin with are downloading gaming apps on their smartphones.

Of course, all this growth means companies like Apple and innovators like Ouya could really stake a claim in the wider gaming market. Whether that actually poses a threat to hardcore gaming and video game consoles is hardly a certainty.

Learning The Right Lessons

This is also why I think publishers should probably be a bit wary of adopting a F2P model too quickly. What works in the Asian market, in the MMORPG genre, and on mobile may not work nearly as well on consoles or in non-multiplayer settings.

In the meantime, mobile games really are?getting better.

Take SoulCraft (pictured above) ? a free-to-play top-down action-RPG similar to Diablo. It?s a fun game with impressive graphics and mechanics. But it?s also uniquely mobile. For most gamers who enjoy traditional consoles, no amount of improvements to mobile gaming will change this fact.

Instead, we?ll see a lot of gamers simply playing on a lot more diverse platforms. Having an Xbox 360 and having an Android phone aren?t mutually exclusive acts, after all. Nor are the gaming experiences on these devices even remotely similar.

So rather than doom and gloom, I see reason to be optimistic.

I?ve had my own moments of doubt ? and I certainly hope that the industry doesn?t abandon its approach to putting out really good AAA titles in favor of a widespread F2P model ? but overall I think the level of innovation going on in both game design and on the business side is a good thing, even if there will be growing pains in the process.

Follow me on?Twitter?or?Facebook.?Read my Forbes?blog?here.

?

Article source: http://www.forbes.com/sites/erikkain/2012/08/04/mobile-gaming-wont-kill-off-the-video-game-consoles/

Source: http://bizappfusion.com/mobile-gaming-wont-kill-off-video-game-consoles/

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Bacterial community inside the plant root: Plants choose soil bacteria that they allow into their roots

ScienceDaily (Aug. 3, 2012) ? Soil is the most species-rich microbial ecosystem in the world. From this incredible diversity, plants specifically choose certain species, give them access to the root and so host a unique, carefully selected bacterial community from which they then benefit in a variety of ways. To achieve this, the plant's immune system must be able to tell which of these bacteria are friends and which foes.

Researchers from the Max Planck Institute for Plant Breeding Research in Cologne and the Max Planck Institute for Marine Microbiology in Bremen have now discovered that the model plant Arabidopsis preferentially takes up three bacterial phyla into its roots: Actinobacteria, Proteobacteria and Bacteroidetes. This community of microbes is dependent on soil type and plant genotype.

The scientists have been breaking new ground in plant science with their investigation. It is only in recent years that the significance of microbial communities has been receiving wider attention. Even humans have more microorganisms than cells inside them, which means that any living organism can be regarded as a metaorganism. Schulze-Lefert and his colleagues have conducted acensus of the Arabidopsis root and identified varying quantities of 43 bacterial phyla. It may therefore be concluded that Arabidopsis makes a selection of the inhabitants of its roots from the profusion of microorganisms in the soil.

In drawing up the census, Schulze-Lefert and his colleagues investigated three habitats: root tissue with the bacteria residing there, the rhizosphere directly adjacent to the root, and unplanted soil in the surroundings of the test plants. "Three phyla of bacteria are dominant in the roots," says Schulze-Lefert. "These are Proteobacteria, Bacteroidetes and Actinobacteria, and each of these phyla is represented there by a major class or family. The nature of the soil and the genotype of the particular Arabidopsis plant obviously also have an influence on which bacteria are taken up into the roots."

The researchers cultivated the test plants either in loamy, silty soil from the Cologne Lowland or in sandy soil from the river and lake landscape around Golm in the federal state of Brandenburg. They also investigated two different ecotypes of Arabidopsis, each adapted to a very specific location. The fact that there are differences in the respective microbial communities between the two ecotypes also indicates that the bacteria must be selectively concentrated in the roots. "One of the bacterial species occurs ten times more frequently in one of the ecotypes than in the other," says Schulze-Lefert.

"We of course also wondered whether the community of bacteria has come together in the root merely by chance or whether there actually is a concentration system using molecular 'admission tickets', as we suspect," comments Schulze-Lefert on the results. The scientists therefore investigated the distribution pattern of the bacteria, namely which species can only be found on dead organic material, which are primarily present in the roots and which are to be found both on dead material and in root.

The bacteria which only settle on dead material must deliberately be kept at a distance by the plants. Of the three large groups of bacteria, it is primarily the Actinobacteria that predominate in the living root. "There must therefore be a molecular 'invitation' for this group," says Schulze-Lefert. "We don't know what it looks like, but the results cannot be explained in any other way. The important question that then arises is how the plant's immune system tolerates the useful bacteria. In other words, how does Arabidopsis tell friend from foe?" Plants are not usually timid when it comes to defending themselves from phytopathogenic bacteria. Pathogenic invaders are quickly recognised from their characteristic patterns and then subjected to the full force of the plant's immune system.

The group of bacteria which are found both on dead material and in the roots are also of interest. After all, this group makes up more than 40 percent of the bacterial community in the root. Dr. Schulze-Lefert's Cologne-based team are working on the assumption that these bacteria are primarily adapted for specific parts of the plant cell wall, which are identical in living and dead material, and are attracted by these constituents. A similar selective concentration of specific bacteria in the root is also found when comparing Arabidopsis plants from the wild with greenhouse specimens.

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Story Source:

The above story is reprinted from materials provided by Max-Planck-Gesellschaft.

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


Journal Reference:

  1. Davide Bulgarelli, Matthias Rott, Klaus Schlaeppi, Emiel Ver Loren van Themaat, Nahal Ahmadinejad, Federica Assenza, Philipp Rauf, Bruno Huettel, Richard Reinhardt, Elmon Schmelzer, Joerg Peplies, Frank Oliver Gloeckner, Rudolf Amann, Thilo Eickhorst, Paul Schulze-Lefert. Revealing structure and assembly cues for Arabidopsis root-inhabiting bacterial microbiota. Nature, 2012; 488 (7409): 91 DOI: 10.1038/nature11336

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/UmIO0P825J8/120803082917.htm

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Wall Street jumps after payrolls data

NEW YORK (Reuters) - Wall Street stocks rallied on Friday after employers hired more workers than expected last month, putting the S&P 500 on track to recover all of the losses posted during its recent four-day losing streak.

Data showed employers in July hired 163,000 workers, the most in five months and above expectations calling for an increase of 100,000 jobs. But an increase in the jobless rate to 8.3 percent clouds the picture of what the Federal Reserve will do about additional monetary stimulus.

The S&P 500 index had fallen more than 1.5 percent this week before Friday's advance as investor hopes for further stimulus measures from the European Central Bank and U.S. Federal Reserve were dampened and a trading error at market maker Knight Capital Group Inc on Wednesday dealt another blow to confidence in market structure.

"After everything that has been going on with Europe and central banker disappointment the markets were priced for disappointment and anything above a disappointment would get a positive response - but this number isn't good enough to fix the economic problem that we are in," said Ron Florance, managing director of investment strategy for Wells Fargo Private Bank based in Scottsdale, Arizona.

"You'll need an excuse to fall off the top of trading range and bounce off the bottom - it's a nice way to end a week of turmoil."

The S&P 500 decline came after the benchmark index saw its best two-day run of the year to close out the prior week as ECB President Mario Draghi heightened expectations for more immediate action to contain the euro zone debt crisis when he pledged to do "whatever it takes" to save the euro. But on Thursday, he dashed hopes for quick rescue measures.

Knight Capital shares surged 20.2 percent to $3.10 in volatile trade after the Wall Street Journal reported the market maker has told brokers that it has obtained a line of credit, which will allow it to operate for the day. The company is fighting for survival after a $440 million trading loss caused by a software glitch wiped out much of its capital.

The Dow Jones industrial average gained 217.40 points, or 1.69 percent, to 13,096.28. The Standard & Poor's 500 Index gained 24.75 points, or 1.81 percent, to 1,389.75. The Nasdaq Composite Index gained 55.36 points, or 1.90 percent, to 2,965.13.

Other data showed the pace of growth in the vast U.S. services sector edged up in July to 52.6 versus the 52.1 reading in June and above analyst expectations for a reading of 52.

Dow component Procter & Gamble Co advanced 2.6 percent to $65.17 after the world's largest household products maker posted a higher-than-expected quarterly profit and said it would repurchase $4 billion worth of its shares this fiscal year.

LinkedIn Corp jumped 14.3 percent to $106.87 after the professional networking site reported higher-than-expected revenue and raised its full-year outlook as it pocketed more money from subscribers, services aimed at businesses and advertising.

NYSE Euronext said new strategies and cost cuts should help the trans-Atlantic exchange return to growth next year after losses in its three main business lines forced quarterly income down a fifth. Shares advanced 2 percent to $25.08.

According to Thomson Reuters data though Friday morning, of the 405 companies in the S&P 500 that have reported results, 67.7 percent have reported earnings above analyst expectations. Over the past four quarters, 68 percent of companies beat estimates.

(Reporting by Chuck Mikolajczak, editing by Dave Zimmerman)

Source: http://news.yahoo.com/stock-index-futures-signal-higher-wall-street-open-081715652--finance.html

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