Fact Check: Obama's claim of benefit cuts suspect

WASHINGTON – Medicare has become a new focal point in the presidential campaign, with Democratic nominee Barack Obama accusing Republican John McCain of seeking "cuts in benefits, eligibility, or both."

Elderly voters are sure to take notice of such statements being made in a 30-second television ad that the Obama campaign will air in some crucial swing states. Obama hit the same theme in a campaign appearance Friday in Virginia.

But Obama's charge is built on a shaky foundation. The campaign's evidence that McCain would make such cuts relies on a Wall Street Journal article where no specific cuts were mentioned.

In what little detail McCain discusses Medicaid and Medicare on his campaign Web site, he makes no mention of cutting benefits. He says this about the two health programs, the first for the poor, the second for the elderly and disabled: "We must reform the payment systems in Medicaid and Medicare to compensate providers for diagnosis, prevention and care coordination. Medicaid and Medicare should not pay for preventable medical errors or mismanagement."

McCain wants to provide tax credits to encourage Americans to purchase private health insurance. To pay for it, he has proposed requiring workers to pay income taxes on the health benefits they now receive tax-free from their employers. The Tax Policy Center has projected that the change would actually be a tax cut for most people and would reduce federal revenues by an estimated $1.3 trillion over 10 years.

McCain's campaign has said the goal is for the program to be revenue-neutral, so he would find savings through Medicare and Medicaid.

And that's where the allegation about benefit and eligibility cuts comes into play. Obama's ad cites a Wall Street Journal article from Oct. 6 that began: "John McCain would pay for his health plan with major reductions to Medicare and Medicaid, a top aide said." That very day, Democratic lawmakers and the advocacy group "Americans United for Change" held an "emergency press conference call" to react to McCain's health care proposal "that would gut Medicare and Medicaid by $1.3 trillion."

But McCain's focus on Medicare has been on overhauling the way it pays providers. McCain has taken up the mantra that the government's payments should be based more on the quality of care that patients get rather than on quantity, which is how the current fee-for-service-system operates. An advisory commission to Congress, the Medicare Payment Advisory Commission, has long recommended that paying providers based on quality "is an important first step towards purchasing the best care for beneficiaries and assuring the future of the program."

In comparing the two candidates' health care plans, the Kaiser Family Foundation, which conducts health research, also makes no mention of McCain calling for benefit cuts to reduce Medicare costs. It does say that he would support the establishment of a commission to make recommendations on how to sustain the program for the future.

McCain's economic policy adviser, Douglas Holtz-Eakin, said in an interview this week that allegations McCain would cut Medicare benefits are "just false."

"There are many opportunities to deliver the same benefits in Medicare for lower costs and thus take pressure off premiums for the beneficiaries," Holtz-Eakin said. "That's a very different thing than the idea you would be cutting Medicare."

In the end, the Medicare program faces a difficult future with promised benefits far exceeding the program's projected revenue. Both candidates have been very careful to leave hard decisions about Medicare's future solvency for another day. Ap

Basic forms of ownership

A business (also called firm or an enterprise) is a legally recognized organizational entity designed to provide goods and/or services to consumers. A business needs a market. A consumer is an essential part of a business. Businesses are predominant in capitalist economies, most being privately owned and formed to earn profit to increase the wealth of owners. The owners and operators of a business have as one of their main objectives the receipt or generation of a financial return in exchange for work and acceptance of risk. Notable exceptions include cooperative businesses and state-owned enterprises. Socialistic systems involve either government, public, or worker ownership of most sizable businesses.

The etymology of "business" relates to the state of being busy either as an individual or society as a whole, doing commercially viable and profitable work. The term "business" has at least three usages, depending on the scope — the singular usage (above) to mean a particular company or corporation, the generalized usage to refer to a particular market sector, such as "the music business" and compound forms such as agribusiness, or the broadest meaning to include all activity by the community of suppliers of goods and services. However, the exact definition of business, like much else in the philosophy of business, is a matter of debate.

Business Studies, the study of the management of individuals to maintain collective productivity in order to accomplish particular creative and productive goals (usually to generate profit), is taught as an academic subject in many schools.
Contents


* 1 Basic forms of ownership
* 2 Classifications
* 3 Organization
* 4 Management
* 5 Government regulation
o 5.1 Organizing a business
o 5.2 Commercial law
o 5.3 Capital
o 5.4 Intellectual property
o 5.5 Exit plans
* 6 See also
* 7 External links
* 8 Notes and references

Basic forms of ownership

Although forms of business ownership vary by jurisdiction, there are several common forms:

* Sole proprietorship: A sole proprietorship is a business owned by one person. The owner may operate on his or her own or may employ others. The owner of the business has total and unlimited personal liability of the debts incurred by the business.

* Partnership: A partnership is a form of business in which two or more people operate for the common goal of making profit. Each partner has total and unlimited personal liability of the debts incurred by the partnership. There are three typical classifications of partnerships: general partnerships, limited partnerships, and limited liability partnerships.

* Corporation: A business corporation is a for-profit, limited liability entity that has a separate legal personality from its members. A corporation is owned by multiple shareholders and is overseen by a board of directors, which hires the business's managerial staff.

* Cooperative: Often referred to as a "co-op business" or "co-op", a cooperative is a for-profit, limited liability entity that differs from a corporation in that it has members, as opposed to shareholders, who share decision-making authority. Cooperatives are typically classified as either consumer cooperatives or worker cooperatives. Cooperatives are fundamental to the ideology of economic democracy.

For a country-by-country listing of legally recognized business forms, see Types of business entity.

Classifications
Wall Street, Manhattan is the location of the New York Stock Exchange and is often used as a symbol for the world of business.[citation needed]

There are many types of businesses, and, as a result, businesses are classified in many ways. One of the most common focuses on the primary profit-generating activities of a business:

* Manufacturers produce products, from raw materials or component parts, which they then sell at a profit. Companies that make physical goods, such as cars or pipes, are considered manufacturers.
* Service businesses offer intangible goods or services and typically generate a profit by charging for labor or other services provided to government, other businesses or consumers. Organizations ranging from house decorators to consulting firms to restaurants and even to entertainers are types of service businesses.
* Retailers and Distributors act as middle-men in getting goods produced by manufacturers to the intended consumer, generating a profit as a result of providing sales or distribution services. Most consumer-oriented stores and catalogue companies are distributors or retailers. See also: Franchising
* Agriculture and mining businesses are concerned with the production of raw material, such as plants or minerals.
* Financial businesses include banks and other companies that generate profit through investment and management of capital.
* Information businesses generate profits primarily from the resale of intellectual property and include movie studios, publishers and packaged software companies.
* Utilities produce public services, such as heat, electricity, or sewage treatment, and are usually government chartered.
* Real estate businesses generate profit from the selling, renting, and development of properties, homes, and buildings.
* Transportation businesses deliver goods and individuals from location to location, generating a profit on the transportation costs

There are many other divisions and subdivisions of businesses. The authoritative list of business types for North America is generally considered to be the North American Industry Classification System, or NAICS. The equivalent European Union list is the NACE.

Organization
This section does not cite any references or sources.
Please help improve this section by adding citations to reliable sources. Unverifiable material may be challenged and removed. (March 2008)
Advertisement of Victoria's Secret. Advertisement is an important aspect of business.


Most businesses must accomplish similar functions regardless of size, legal structure or industry. These functions are often organized into departments. Common departments include (but are not limited to):

Human Resources
Typically responsible for hiring, firing, payroll, benefits, etc.
Finance
responsible for managing the enterprises financial resources[1]

Budgeting and forecasting
planning how the enterprise wants things to happen
Cash and treasury management
ensuring the enterprise has money when it's needed
Accounts payable and receivable
ensuring the enterprise receives what it's owed and pay what it owes
Tax planning/filing and reporting
meeting obligations to the government
Risk management
ensuring the enterprise doesn't get surprised by something unfavorable
External and internal (management) reporting
providing visibility into the enterprise for those who need it through financial reporting and other types of reporting

Marketing and sales
responsible for selling the business' goods or services to the customer and for managing the relationships with the customer

Marketing
Typically responsible for promoting interest in, and generating demand for, the business' products or services, and positioning them within the market
Sales
finding likely purchasers and obtaining their agreement (known as a contract) to buy the business' products or services

Operations makes the product or delivers the service

Production produces the raw materials into the delivered goods, if they require processing
Customer service
supports customers who need help with the goods or services

Procurement responsible for acquiring the goods and services necessary for the business. Sometimes organized as:

Strategic sourcing determines the business' needs and plans for acquiring the necessary raw materials and services for the business
Purchasing processes the purchase orders and related transactions

Research and Development tests to create new products and to determine their viability (e.g. pilot plants) Information Technology manages the business' computer and data assets
Communications/Public Relations responsible for communicating to the outside world

Administration provides administrative support to the other departments (such as typing, filing, etc.)Internal Audit
an independent control function typically accountable to the Board of Directors for reporting on the proper functioning of the other departments

Management is sometimes listed as a "department" but typically refers to the top level of leadership within the business regardless of their functional role.

Dow industrials fall 679 for 6th triple-digit loss in a row

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NEW YORK - A runaway train of a sell-off turned the anniversary of the stock market peak into one of the worst days in Wall Street history Thursday, driving the Dow Jones industrials down a breathtaking 679 points and deepening a financial crisis that has defied all efforts to stop it.

Stocks lost more than 7 percent, $872 billion of investments evaporated, and the Dow fell to 8,579. When the average crashed through the 9,000 level for the first time in five years in the final hour of trading, sellers had only begun to hit the gas pedal.

As bad as the day was, even worse was the cumulative effect of a historic run of declines: The Dow suffered a triple-digit loss for the sixth day in a row, a first, and the average dropped for the seventh day in a row, a losing streak not seen since 2002.

"Right now the market is just panicked," said David Wyss, chief economist at Standard & Poor's in New York. "Nobody wants to take on any risk. Everybody just wants to get their money and put it under the mattress."

It all took place one year to the day after the Dow closed at its record high of 14,164. Since that day, frozen credit, record foreclosures, cascading job losses and outright fear have seized the market and sapped 39 percent of its value.

Paper losses for the year add up to an staggering $8.3 trillion, according to preliminary figures measured by the Dow Jones Wilshire 5000 Composite Index, which tracks 5,000 U.S.-based companies representing almost all stocks traded in America.

It was the second straight day that Wall Street was rocked by a final-hour sell-off, but this one was particularly shocking.

Most of the day was relatively calm, and the trading floor was quieter than usual because of the Jewish holiday of Yom Kippur. Wall Street awoke to news the federal government was brandishing a new weapon against the financial crisis — considering seeking an equity stake in major U.S. banks in order to stabilize them.

But that step appeared to be as ineffectual as the others Washington has rolled out in recent weeks, including a $700 billion bailout of the financial industry, a coordinated interest rate cut by central banks around the world and direct lending by the Federal Reserve to private companies to provide them with short-term cash.

Acquiring a stake in the banks would be yet another startling intervention by the government in the free market, but economists said President Bush was left with little choice because of the credit markets, where tight lending has choked off the everyday cash that is the lifeblood of the economy.

"In normal times, this would be out of the question, but in the present dire situation, I think the government should be employing all the powers that it can," said Sung Won Sohn, an economics professor at California State University, Channel Islands.

Wall Street has been teetering on the brink of panic for a month now, vulnerable to any bad news. Thursday's sell-off was triggered when a major credit rating agency put General Motors Corp. and its finance affiliate under review to determine whether it should be downgraded.

Stock in GM, one of the 30 components of the Dow Jones industrials, lost 31 percent of its value and closed at $4.76 — its lowest in more than half a century, since the Korean War began.

For the Dow, it has been nothing short of a free fall:

_The average is down 2,338 points, or 21 percent, in the last four weeks, since the Lehman Brothers bankruptcy escalated a long-running credit crunch into a full-fledged crisis.

_The point decline Thursday was the third-worst in Dow history. The worst, 778 points, came less than two weeks ago.

_Of the last 19 trading days, there have been 11 triple-digit losses — including the unprecedented six straight. The six gains have all been triple-digits, and only one of them was enough to make up the losses of the day before.

_The Dow now stands only about 1,300 points above its lowest close of the bear market that followed 9/11. In a market as volatile as this, that gap can be closed in a couple of trading days, or less.

In fact, triple-digit declines can happen almost in an instant.

On Thursday, the Dow was above 9,200 after 1:30 p.m. and still above 9,000 after 3 p.m. The pressure to sell was so intense that the Dow kept dropping precipitously for 10 minutes after the 4 p.m. closing bell as the day's losses were tabulated.

In percentage terms, the drop in the Dow exceeded the day the markets reopened after the Sept. 11, 2001, terrorist attacks. It was not close to the 22.6-percent decline on Black Monday in 1987, the last stock market crash.

Still, it is becoming increasingly clear that Washington has ever fewer places to reach in its toolbox to stop, or perhaps even slow, the crisis. Among the options still left are buying up foreclosed properties and making direct loans to homeowners, both of them hard for free-market supporters to swallow.

Speaking in the afternoon before the market closed, President Bush told an audience on the South Lawn of the White House that the economy was going through a "very touch stretch." But, he said: "I'm confident in our economy's long-term prospects."

After the market closed, the White House said Americans should remain confident despite the market plunge, and President Bush planned to speak from the Rose Garden on Friday morning — though he was not expected to unveil any new policy proposals.

"The Treasury Department is moving quickly to use new tools to improve liquidity, which is the root cause of this problem," White House press secretary Dana Perino said. "Americans should be confident that every effort is being taken to stabilize our markets."

The broader stock indicators registered similar declines to the Dow's. The Standard & Poor's 500 index fell 7.6 percent to the 909 level, and the Nasdaq composite index fell 5.5 percent to 1,645.

Meanwhile, the credit markets remained stubbornly locked-up. The benchmark rate that banks charge each other for loans, known as Libor, rose to 4.75 percent from 4.52 percent a day earlier, signaling banks are still afraid to make loans because they worry they won't be paid back.

"The story is getting to be like that movie Groundhog Day," said Arthur Hogan, chief market analyst at Jefferies & Co. "Everything we're seeing is historic. The problem is historic, the solutions are historic, and unfortunately, the sell-off is historic. It's not the kind of history you want to be making."

Adding to Wall Street's nervousness, a ban on short selling — a process in which investors borrow shares of stock and essentially bet the value will fall — expired.

With three and a half weeks before voters elect Bush's successor, there was also no immediate comment on the Wall Street action from the presidential candidates, Democratic Sen. Barack Obama and Republican Sen. John McCain.

Earlier in the day in Dayton, Ohio, Obama took aim at McCain's plan to have the government absorb the full cost of renegotiating mortgages for borrowers under strain from the dramatic decline of the values of their homes.

McCain rolled out the idea at the second presidential debate earlier this week, a forum in which he also told voters it was important to have a steady hand in the White House during a time of economic crisis. - source

10,000 Chinese children still sick from milk

By GILLIAN WONG, Associated Press Writer 15 minutes ago

BEIJING - More than 10,000 children remained hospitalized after being sickened in China's tainted milk scandal, eight of whom were in serious condition, officials said.
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The Health Ministry said in a statement on its Web site Wednesday that 10,666 children were in hospitals after drinking milk powder contaminated with the industrial chemical melamine, which can lead to kidney stones and possibly life-threatening kidney failure.

No new deaths have been recorded, it said. The scandal has so far been blamed for the deaths of four babies and the sickening of about 54,000 others in China.

But the effects of the scandal continue to be felt, forcing the government to deal with festering health and public relations issues. China's food exports have increasingly suffered, with more nations issuing import bans.

Singapore's food safety agency said Thursday it found traces of melamine in three more Chinese-made products. The authority said the chemical was detected in samples of blueberry and chocolate flavored Cadbury Choclairs and Panda Dairy-brand Whole Milk Powder imported from China.

Also on Thursday, Hong Kong's Centre for Food Safety said in a statement it found melamine in EDO Pack Almond Cacao Biscuit Sticks produced by Hong Kong company EDO Trading Co.

Philippine Health Secretary Francisco Duque III said at a meeting of health ministers from the Association of Southeast Asian Nations in Manila that member nations should strengthen regulations to shield people from potentially harmful imports.

Dairy suppliers have been accused of adding melamine — used in products including plastics, paint and adhesives — to watered-down milk to make the product appear rich in protein and fool quality control tests.

There had been no standards for the amount of the chemical allowed in food products.

Under Health Ministry guidelines released Wednesday, melamine is now limited to one part per million for infant formula and 2.5 parts per million for liquid milk, milk powder and food products that contain more than 15 percent milk.

Wang Xuening, a ministry official, acknowledged that small amounts of melamine can leech from the environment and packaging into milk and other foods, but said deliberate tainting was forbidden.

Levels of melamine discovered in batches of milk powder recently registered as much as 6,196 parts per million.

In the U.S., the Food and Drug Administration says its experts have concluded that eating 2.5 parts per million of melamine — a minuscule amount — would not raise health risks, even if a person ate food every day that contained it.

Guidelines in Hong Kong and New Zealand say melamine in food products is considered safe at 2.5 parts per million or less, though Hong Kong has lowered the level for children under 3 and pregnant or lactating women to one part per million.

China's food exports have suffered significantly from the scandal, with more than 30 countries restricting Chinese dairy products, and in some cases all Chinese food exports.

The Finance Ministry said Thursday the government has allocated $44 million to help dairy farmers who have been hurt by declining demand for milk. Many farmers have been tossing out raw milk as they are squeezed by feed costs they cannot recoup.

___

Associated Press writer Jim Gomez in Manila, Philippines, and Alex Kennedy in Singapore contributed to this report. source

For bailout to work, housing market needs to mend

NEW YORK - Washington's financial bailout plan is now law. So the credit spigot will start flowing again, banks will resume lending, and an economic recovery can begin, right?
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Wrong. Experts say the most important thing that needs to happen before the $700 billion bailout even has a chance of working: Home prices must stop falling. That would send a signal to banks that the worst has passed and it's safe to start doling out money again.

The problem is the lending freeze has made getting a mortgage loan tough for everyone except those with sterling credit. That means it will take several months or longer to pare down the glut of houses built when times were good — and those that have come on the market because of soaring foreclosures — before home prices start appreciating.

Housing is a critical component to the U.S. economy and by extension the availability of credit. Roughly one in eight U.S. jobs depends on housing directly or indirectly — from construction workers to bank loan officers to big brokers on Wall Street. A turnaround in housing prices would boost confidence in the wider economy and, experts hope, goad banks into lending again.

"Housing traditionally does lead the economy through a recovery. I think it's going to be critical for a sustained recovery in this cycle, too," said Gary Thayer, senior economist at Wachovia Securities.

In the meantime, people like Alicia Elliott are adjusting to a new American reality: Life without credit.

The 21-year old Morgantown, W. Va., resident just bought a used mobile home, borrowing $4,000 from friends and family because she couldn't get a bank loan.

"I tried to. Couldn't do it. It's just hard to get a loan," said Elliott, who works as a cashier at a Lowe's Cos. store.

She used to get bombarded with offers for credit cards. Now she can't even get one. "I get denied one after another after another. It doesn't matter if you have a co-signer or not," she said.

Trey Simmons, a 31-year-old barber at a Dallas hair salon, said he worries tighter lending standard will squash his goal of buying a home next year.

"Credit is a privilege everybody can't get," Simmons said. "I had credit at a young age and messed up."

He now operates on a strictly cash basis. "If I don't have it," he said, referring to cash, "I don't spend it."

The dilemma boils down to a matter of trust.

"Credit, by definition, means trust and faith, and for many reasons trust and faith have been damaged," said Sung Won Sohn, an economics professor at California State University, Channel Islands.

Sohn said the near certainty of a recession makes it too risky for the thousands of small and medium-sized banks across the country to lend to people like Elliot.

"Banks know the economy is getting worse, so ... they will keep being cautious," said Sohn, a former banking executive.

Still, the government hopes that by scooping up billions of dollars in bad mortgage debt and other toxic assets, banks eventually can clean up their shaky balance sheets, crack open the vaults and send money washing through the system again.

The rescue plan also raises the federally insured deposit limit from $100,000 to $250,000, a move that could boost banks' reserves and further grease the lending wheels.

Rep. Barney Frank, D-Mass., the Financial Services Committee chairman and a key negotiator over the past weeks, said the measure was just the beginning of a much larger task Congress will tackle next year: overhauling housing policy and financial regulation in a legislative effort comparable to the New Deal.

In the meantime, the Treasury Department is moving swiftly to get the plan started. Treasury Secretary Henry Paulson said Friday he did not wait for final approval of the measure to begin preparation. He has been lining up outside advisers as his staff works out details on a multitude of complex issues.

But several hurdles could trip up the plan. For starters, even when the Treasury starts buying bad assets, some banks may hoard the cash they receive in return until they see how the plan pans out. That has the potential to make the lending logjam worse, said Vincent R. Reinhart, former director of the Federal Reserve's monetary affairs division.

"They may sit on the sidelines and wait to see (the bailout) get some traction. The problem is if everybody sits on the sidelines, nobody gets in the game. It's a risk," he said.

It also creates a vicious cycle: No trust means no lending; tight credit means it's harder to buy a home; the more difficult it is to buy or sell a home, the further home prices will fall; and the further prices drop, the more foreclosures there will be.

U.S. home prices — down 20 percent from their peak in July 2006 — still have further to fall, and must hit bottom before demand picks up. The long-awaited bottom in prices could be a year or more away.

But Jim Gillespie, chief executive of Coldwell Banker Real Estate, said he hopes that lower prices, combined with the government's actions will jump-start stagnant demand. The federal bailout plan, he said, "will give people reassurance that mortgage money is available."

Jobs are another big concern. The stranglehold on credit has choked companies big and small that depend on regular inflows of borrowed money to pay employees and stay afloat.

The Labor Department said Friday that employers cut 159,000 jobs in September, the fastest pace of losses in more than five years. Experts say that number will grow as the effects of the credit gridlock course through the economy in coming days and weeks.

The nation's unemployment rate is now 6.1 percent, up from 4.7 percent a year ago. Over the last year, the number of unemployed people has risen by 2.2 million to 9.5 million.

The unemployment rate could rise to as high as 7.5 percent by late 2009, economists predict. If that happens, it would mark the highest since after the 1990-91 recession.

Boosting employment is critical to kick-starting lending because "if jobs are growing, then incomes are a growing, and if incomes are growing then people are consuming," Reinhart said.

Consumers and businesses have retrenched so much that some analysts fear the economy stalled or shrank in the third quarter that ended last week. The Labor Department report Friday showed wage growth for workers is slowing, meaning they'll be more hard-pressed to spend, especially for something as expensive as a home.

Many economists predict the economy will contract in the final quarter of 2008 and the first quarter of next year. That would meet the classic definition of a recession — two consecutive quarters of a shrinking economy.

One bright spot: optimism hasn't been totally squashed yet.

Morgan Cavanaugh, proprietor of Moriarty's Pub in downtown Cleveland, has been trying to sell another bar he owns to ease his workload, but the prospective buyer hasn't been able to raise the money.

Now that the bailout legislation has the green light, he's hopeful he'll get a deal done.

"It passed. Let's work something out," Cavanaugh told the man over a cell phone Friday just after the House approved the plan.

He flipped the phone shut and smiled from behind the weathered mahogany bar of his 75-year-old Irish pub.

"He's going to put the loan request in again. It's looking up," Cavanaugh said. source

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Colossal Hurricane Ike

HOUSTON - A monster-sized Hurricane Ike bore down on the Texas coast late Friday, threatening to rattle the sparkling skyscrapers of America's fourth-largest city, shut down the heart of the U.S oil industry for days and obliterate waterfront towns already flooded with waist-high water.
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Though nearly 1 million people evacuated coastal communities in the days leading up to the storm, tens of thousands ignored calls to leave and decided to tough it out. But as wind-whipped floodwaters began crashing into coastal homes, many changed their minds. Galveston fire crews rescued more than 300 people who were walking through flooded streets, clutching clothes and other belongings as they tried to wade to safety.

"We were going street by street seeing people who were trying to escape the flood waters," Fire Chief Michael Varela said. "I'm assuming these were people who made the mistake of staying."

At 600 miles across, the storm was nearly as big as Texas itself, and threatened to give the state its worst pounding in a generation. It was on track to crash ashore early Saturday near Galveston, the same site that suffered the nation's worst natural disaster when a legendary storm struck without warning and killed 6,000 more than a century ago.

Officials were growing increasingly worried about the stalwarts, and many communities imposed curfews to discourage looters. Authorities in three counties alone said roughly 90,000 stayed behind, despite a warning from forecasters that many of those in one- or two-story homes on the coast faced "certain death."

"We don't know how bad it will be, but as soon as we do, we will be asking for help," Galveston City Manager Steve LeBlanc said.

At dark Friday, the Coast Guard suspended a search for a 19-year-old man who was lost in 6- to 8-foot waves off North Padre Island, about 10 miles east of Corpus Christi. Michael Moxly was with three other people on the southside of the Packery Channel Jetty when he was swept away.

In communities all along the coast, rescue crews were forced in the face of heavy wind and rain to retreat and leave the stubborn to fend for themselves. Three buildings were destroyed by fire in Galveston because water was too high for fire trucks to navigate.

"I believe in the man up there, God," said William Steally, a 75-year-old retiree who planned to ride out the storm in Galveston without his wife or sister-in-law. "I believe he will take care of me."

A disabled 584-foot freighter with 22 men aboard was left tossing about in the waves because winds were too dangerous for aircraft. Late Friday, the Coast Guard reported the crew was still safe after weathering the brunt of the storm, and a tugboat was set to arrive noon Saturday.

Power was knocked out to hundreds of thousands of customers in Louisiana and along the Texas coast. That number that was expected to climb quickly throughout the night, according to Centerpoint Energy, the primary electricity provider for the region.

As of 11 p.m. EDT, Ike was centered about 55 miles southeast of Galveston, moving at 12 mph. It was close to a Category 3 storm with winds of 110 mph, and was expected to strengthen by the time the eye hit land. Forecasters predicted it would come ashore somewhere near Galveston early Saturday and pass almost directly over Houston.

Because of the hurricane's size, the state's shallow coastal waters and its largely unprotected coastline, forecasters said the biggest threat would be flooding and storm surge, with Ike expected to hurl a wall of water two stories high — 20 to 25 feet — at the coast.

Bachir Annane, a scientist at the National Oceanic and Atmospheric Administration's Hurricane Research Division, said Ike's surge could be catastrophic, and like nothing the Texas coast has ever seen.

"Wind doesn't tell the whole story," Annane said. "It's the size that tells the story, and this is a giant."

The Federal Emergency Management Agency said more than 5.5 million prepackaged meals were being sent to the region, along with more than 230 generators and 5.6 million liters of water. At least 3,500 FEMA officials were stationed in Texas and Louisiana.

Texas Gov. Rick Perry asked President Bush for a "wide-reaching emergency declaration" in all 88 counties being affected, a move designed to secure emergency funding to help defray storm costs.

Ike would be the first major hurricane to hit a U.S. metropolitan area since Katrina devastated New Orleans three years ago. For Houston, it would be the first major hurricane since Alicia in August 1983 came ashore on Galveston Island, killing 21 people and causing $2 billion in damage. Houston has since then seen a population explosion, so many of the residents now in the storm's path have never experienced the full wrath of a hurricane.

Authorities instructed most of the city's 2 million residents to just hunker down to avoid highway gridlock. Residents prepared for a sleepless night.

Before midnight, the storm surge had started to flood some low-lying areas of the city, and some of the seven bayous that snake through the city were overflowing.

"With the water at these levels, you can assume that there is water in homes and homes are damaged," said Frank Michel, spokesman for Houston Mayor Bill White. "But right now, it's dark, the storm is building and we don't have anyone going up and down the streets yet determining the extent of the damage."

On the far east side of Houston, Claudia Macias was trying unsuccessfully not to think about the trees swaying outside her doors, or the wind vibrating through her windows. She had been through other storms, and other hurricanes, but this time is different because Macias is a new mother.

"I don't know who's going to sleep here tonight, maybe the baby," said Macias, 34. "I'm not sleeping."

If Ike is as bad as feared, the storm could travel up Galveston Bay and send a surge up the Houston Ship Channel and into the port of Houston. The port is the nation's second-busiest, and is an economically vital complex of docks, pipelines, depots and warehouses that receives automobiles, consumer products, industrial equipment and other cargo from around the world and ships out vast amounts of petrochemicals and agricultural products.

The oil and gas industry was also closely watching Ike because it was headed straight for the nation's biggest complex of refineries and petrochemical plants. Wholesale gasoline prices jumped to around $4.85 a gallon for fear of shortages.

The storm could also force water up the seven bayous that thread through Houston, swamping neighborhoods so flood-prone that they get inundated during ordinary rainstorms.

Though Ike's center was heading for Texas, it spawned thunderstorms, shut down schools and knocked out power throughout southern Louisiana on Friday. An estimated 1,200 people were in state shelters in Monroe and Shreveport, and another 220 in medical needs shelters.

In southeastern Louisiana near Houma, Ike breached levees, threatening thousands of homes of fishermen, oil-field workers, farmers and others.

In Galveston, a working-class town of about 57,000, waves crashed over the 11-mile seawall built a century ago, after the Great Storm of 1900 killed 6,000 residents.

While the Galveston beachfront is dotted with new condominiums and some elegant beach homes on stilts, most people live in older, one-story bungalows. The National Weather Service warned "widespread and devastating" damage was expected.

The Quickest Way To Make Money On Earth

I am going to assume you don't want to break the law or rob a bank, while as quickly as it might make you wealthy to rob your local casino, it is just not the right thing to do. I will also take for granted you do not want to marry cash or hope for a successful lottery ticket, how I am probable to propose is a sound and hopefully logical explanation of the quickest way to make money on Earth.

First, I want to introduce you to the three kinds of money. Time money, Credit money and Solutions money. All three of these are ways to get money. Time bucks is connected to long period of time and is typically offered in a job. You work 8 hours, you get 8 hours pay. The very next day you craft according to scratch, the try you did yesterday has been paid for and you will never earn for those 8 hours of work ever again. The coming is credit money and this type of income trades tomorrows hours of work today. Typically, you can clearly get charge money, if you can substantiate you Hello How Are you? in a job and undergo entrance to tiny bit money. So such two methods of taking out money are both closely connected to the time component.

The third brand of way to get money is solution money. Its where the fun begins. Most of the corporate world makes its money this way and pays their staff slow down time money. While they make $100,000 in a single afternoon, they pay their staff an hourly wage. There is nothing unfair about this, but it is crucial to note that solution bucks has no time component. Solution cash is made by writing solutions to peoples problems.

The quickest way on Earth to make money is to earn it offering solutions to peoples problems. The a greater amount of professional and effective your solution, the more in demand that key is the more ridiculously high your income is able to be.

Free Online Poker

Online poker games using play-money don't fall under the category of gambling when fake currency or chips, that have no intrinsic value, are used by players to take part in a game. As a result, nothing of actual value is won or lost. While some play-money poker games may be intended for the sole purpose of entertainment, some may be used by beginners to understand the basic rules, strategies, and structure of a poker game and to become accustomed to online poker software. Advanced players may also use play-money games to sharpen key skills and to experiment with new strategies.

The play style in play-money poker is often very loose and aggressive, and its main change from real-money poker is in the preflop strategies. Loose preflop-play is rife in play-money games, while real-money players will play tighter preflop and only see the flop surrounded by certain hands as of they don't like to risk costing money. There are also chosen similarities between play-money and real-money poker. For example, the merely difference between multi-table play-money tournaments and large Freerolls is the present Freerolls include real prize money.

Experts do not recommend playing online poker with play-money if you're thinking of playing serious poker later on. That's because winning a play-money poker game becomes very easy since no one remarkably cares about thriving or losing. Becoming accustomed to that style of play environment is planning to reflect in real dollars games at which us on the table will play to win the pot, maneuvering the game in the most unexpected directions. More

Wealth - Test Your Attitude

Wealth, money, mansions, jewelry, personal airplane, parties, celebrations, holidays and all that funds can buy. Money brings so much comfort and beauty to life, that it has become one of the multiple substantial factor in today's world. Money is a great motivator. Without money not anything works. No food, no shelter and no clothes. Without money it is difficult to own friends. Family disowns you quickly if you have no money. If you have money , a lot of it, you are able to get as multiple friends as you wish. One high advantage of money is philanthropy.

Let us find out more about money and your attitude about it. Few of us dislike those of us amidst great wealth. They call them different names and truly speaking, properties envy them. Does envy and calling names help? No. That is negative. Positive is to knew the qualities that could help them big money. Right attitude is to learn how to attain big money. The method of earning money and how to draw more of it. What to do this brings wealth to me, should be the question and not that I don't want more money as opposed to I fancy to live. If you don't want, at minimum earn it and then donate it. Nothing stops you working at that.

Money is one of the most important factors of life. With money, one can feel independent. Fulfill multi wishes and make a home comfortably. One can also submit comfort to many others with money. More money

Ways to Make Money Online

I wanted to understand if there were ways to make money online, and good money.

For years, it was in my mind that there got ways to make money online, as I had looked through so many claims that there got easy ways to generate money online.

So I set out to search for ways to obtain money online, as I am sure many of you have.

I came throughout many individuals arguing they may provide me with ways to motivate bucks online, ways to change my life and double my wealth, within a small space of time.

Was this really possible? Were there ways to make money online? Here is exactly what I found.

I'll be honest with you, there are ways to make money online, but not all of them are easy and for the beginner. However, there are many aimed directly at the neophyte computer user. Services too set up a website for you, specifically for construction money online. more

Wealth Magnet System Tips For Classified Ads

Over the decades classified ads undergo helped many corporations get exposure and substantiate sales. When the web came along classified ads took the likely place as a way to get a website out in front of the public. These classified ads can be a great way to get website visitors for a relatively low price.

In presently forecast we are able to seem at employing classified ads to get greater number of bucks in your business. There are two kinds of classified ads online.

1. Free classified ads

2. Paid classified ads

Free classified ad directories are one way to get exposure for your business and all it ranges you is the opportunity to place the ad. Ezine classified ads are often given for cost free in exchange for subscribing to an ezine. Traffic exchanges and protected lists are two larger number of ways to get a classified ad in front of likely traffic.

For homeowners in on additionally time than income cost free classified ads are a way to work at building your business. This clearly take a lot of attempt and a commitment on your half to sticking with it as it becomes a quantities game.

A forked out classified ad can give you better exposure for a little bit of money. Pay Per Click advertising is a form of classified advertising. Google Adwords is one ideal of a way you can swiftly get income to your website paying a classified ad.

There are several opportunities for placing classified ads. One thing this functions for people is to use them as a way to get causes and imitate up. By promoting a splash web page or a website at which you hold a lead capture approach in place you can maximize the use of the ad.

A superb classified ad contains an eye catching title, a quick list of a couple of benefits, a summary, and your website address. You can do this in 5 lines of 60 characters each.

If you publish an ezine of your own you can trade classified ads with opposite publishers. This is a free of charge way to get your product in front of homeowners who should not otherwise see it. Of path you return the favor to them.

No measure how you use classified ads you need to produce it a part of your over&wshyp;arching web selling efforts. more

Big Trouble Online if You Don't Know How to Manage Your Online Business, Part I

Managing your miniscule online market ideally is of fine importance if you are hoping for it to be a huge success, as any online business owner is able to be. It is very major for a single person who is given opening up the own online boom to original notice merely how crucial educating yourself about most every aspect is, before you continually open the doors. Many online companies that had so that much possible own failed due to improper management and lack of knowledge something like the other parts with the online business which are so essentially important. It is able to be actually unwise for everyone to think which receiving a online market education is not in fact this important if you are hoping to manage one someday on your own. There are a great state of affairs of things in regards to a compact online sector the present the majority of those of us particularly just do not know enough about and while of such a lack of knowledge, properties could unintentionally let such a small online economy slip right out from beneath them.

It would be a complete waste to put all of the time and attempt into opening your small online business, sole to not have first gathered a terrific deal of knowledge about the importance of good online business management. There is no difficulty for anyone to rush to any type of online arena venture, without first doing severe research on the weird details so are engaged with owning and speaking your own online business, whether it be substantial or small.

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Free Classified Advertising Opportunities

The cost free classifieds and cost free classified advertising experience become hot online catchwords. Free classified advertising is hastily growing inclination of recent times. Classified ads are cheap and powerful, and are an excellent way to promote your business both online and offline.There are the majority of businesses and websites so offer the cost free online classified ads. These websites receives cost free classifieds ads and advertise them free of charge of cost.

The Internet is the best means to quickly entrance information ,it moreover has the merit of bringing consumers all over the earth together, permitting them to interact in a safe, impressive environment. Classified ads web ones promote effective shows of expressing innovations and exchanging information, by offering subscribes the choice to produce this ads on a web page, or to entrance the ads requested by others. Classified ads web sites come up with accurate information, well-structured in multitude of categories: job classifieds, properties classifieds, happenings classifieds and multi more! Classified ads are easy to entrance and they supply all kinds of monumental information.

Classified ads web ones are a quality source of guidelines and properties in addition enable borrowers to interact and achieve this goals. Find a reliable, specialized classified ads web site and you could definitely earn how you are becoming for!

Good, reliable classified ads web sites usually credit no fee for posting or viewing classified ads. All you undergo to do is subscribe and you might be able to interact amid mortgage holders locally, and why not, from a good deal more communities of the world. more

Western Union partners

Western Union Co., the global leader in money transfer services, has tied up with the country’s two largest mobile phone companies - Globe Telecoms and Smart Communications -in a bid to capture a wider market of overseas Filipinos.

Smart and Western Union have agreed to develop a mobile money transfer service in the country that will make low-denomination, high-frequency remittances to the country’s more than eight million overseas Filipino workers (OFWs).

“This agreement is in line with Smart’s thrust to continuously develop low-cost and convenient mobile remittance channels and communications services for overseas Filipino workers," Napoleon Nazareno, president of Smart, explained.

“We believe pairing Western Union’s global reach with Smart’s active subscriber base and access to Philippine bank networks will increase the ease and flexibility associated with moving money back home to friends and family," said Patricia Riingen, Western Union vice president for the Philippines.

Approximately 44 percent of households in the country have a relative or family member working abroad, she noted.

More than seven million Smart subscribers were in the Smart Money system, close to two million of whom are cardholders.

Smart has agreements with five Philippine commercial banks and links to over 7,000 ATMs nationwide, more than 100 Smart Wireless Centers and thousands of third-party Smart Money fulfillment partners.

Once the Western Union mobile money transfer service is commercially offered by the second quarter of 2008, the service will connect operators to Western Union ’s existing global money transfer system, which processed approximately 17 percent of the world’s cross-border remittance volume in 2006.

When connected to the Western Union service, operators will be able to use their own “mobile wallet" software to enable person-to-person mobile money transfers over Western Union ’s cross-border remittance network. The Mobile Money Transfer service will enable consumers to transfer money to or from mobile wallets and will offer a global network of Western Union Agent locations for cash-to-mobile and mobile-to-cash transactions.

Western Union Co. also entered into an agreement with Globe Telecom and its wholly-owned subsidiary, G-Xchange, Inc.

Globe offers its GCASH service with an “electronic wallet" feature that allows users to send and receive cash and make payments, including bill payments, donations and online purchases via texting. Globe Telecom had more than 19 million subscribers as of the end of September 2007 and close to half a million active GCASH users.

“We envision that this relationship with Western Union will increase the accessibility and lower the cost of micro-remittances, which will greatly benefit Filipino overseas workers and their families here in the Philippines," explained Ferdinand M. Dela Cruz, Consumer Wireless Business Group Head of Globe.

“This agreement will further expand our cross-border mobile commerce hub that allows multi-currency money transfers to mobile operators around the world, linking our groundbreaking GCASH service to a global network of send and receive locations through Western Union," he said.

“We see a tremendous opportunity to deliver Western Union remittances in new and compelling electronic formats," said Matt Dill, General Manager, Western Union Mobile. “The GCASH service introduced by Globe is widely recognized as one of the mobile industry’s most appealing service offerings for banked and unbanked consumers alike. In combining Globe’s strengths with Western Union ’s global reach and compliance capabilities, we can introduce financial services to a new segment of consumers."

World Bank estimates the number of immigrants worldwide at about 200 million – approximately three percent of the world’s total population.

The Philippines is the fourth-largest receiver of remittances in the world, according to the Bangko Sentral ng Pilipinas (BSP).

OFWs sent more than $13 billion home in the first 11 months of 2007, a 14 percent increase over the same period last year. more

Work from Home

elcome to hourprofits.com Where we will show you how you can make more money in a week online using step by step methods, than most people make in a month at their regular jobs. Our program goes to work within 3 hours which means you're able to Start Making Real Money Today!

Our Concept Is Simple: Deliver What We Promise!

Chances are you're just like I was a few years ago, trying to find success online only to end up losing almost every single time.

I know what it's like to want something more, because I've been there. And I know what it's like to try almost anything online just for the chance to get ahead in life.

I want you to realize that I am just a normal everyday person like you, I am no different in anyway. Just 3 years ago I was putting in about 40 to 60 hours a week working full time and barely made enough to keep my head above water. Being married with 3 children, I was always behind on bills and I was only averaging about $2,800 a month before taxes.

There were nights I couldn't even sleep - I would try to, but I would constantly have these tension headaches right above my eyebrows that would never stop. I would lie there awake thinking that there had to be more to life than this.

Like you, I would search the internet night and day for answers - and I would try program after program while hoping to find something that actually worked. You know - a program that actually delivered what it promises.

I struggled for over a year and literally lost thousands of dollars which didn't help my situation. I had felt like I failed my wife and my children, and felt completely lost.

During the next six months of that period, I started to just give up. I thought this was it, this was going to be the way I lived for the rest of my life. Then something happened one night - It was about 2:00am and I was sitting at the kitchen table in complete darkness just thinking.

Something came to me. I finally realized that there were just a few very important things that are needed to be successful online. Things that almost every program I have ever tried never pointed out in detail. Things that would end up changing my life.

I immediately grabbed a notepad, turned on the light and started writing things down. For three weeks I did research, took notes and tested things out. Needless to say, the results were a staggering difference to my past failures.

In my three weeks of testing I had made a total of $3,700 online!

Here's What amazed me the most - I was still working full time at my job so I was only able to test these methods out by working just a couple hours a day. That was it - just a couple hours a day, and I still produced a larger income than my full time job was paying.

Over the next few months I tested more and more, and achieved even greater results. It was like a blindfold was lifted from my eyes, a blindfold that many of the programs out their keep tied very tight.

Over the last two years I have used these methods, and not one single time have they ever failed me. I decided to call it 3 Hour Profits, because that is literally how fast these techniques are able to produce a real online income.

They are bullet proof concepts that will work every single time, and they only take two to three hours a day to put in place. The best part is they work immediately and you are able to use them no matter what schedule you have to work around.

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Central bank increase borrowing costs

MANILA, Phil - The Philippines’ central bank is expected to increase lending rates for the second straight time since 2005 after commodity prices climbed to their fastest in 14 years.

The move, which intends to control double-digit inflation, will also curb growth in the Philippines, southeast Asia’s fastest growing economy last year. Hiking borrowing costs is expected to discourage lending, putting a hold on private-sector led initiatives to expand their businesses.

Five economists said that the Bangko Sentral ng Pilipinas (BSP) is expected to lift interest rates by a quarter-point when it holds a policy meeting on Thursday.

In June, the Philippines' central monetary authority raised its key policy rates by 25 basis points.

Economists noted that with the BSP planning to tame consumer prices this year by 7 percent to 9 percent, the pressure to curb excess liquidity—the amount of surplus cash in the financial system—has become stronger. They agreed that the BSP will at least raise rates by 25 basis points to 5.5 percent.

Increased cash in the Philippines financial system—brought about by wage hikes and rising transport fares—tend to ramp up demand for consumer goods, leading to higher commodity prices.

The government has reported that June inflation was at 11.4 percent, the highest in 14 years.

“BSP is already behind the curve on inflation so it needs to tighten sharply to have much impact in containing expectations of future inflation," George Worthington, chief economist of Asia-Pacific IFR Markets,
Worthington said he sees the BSP lifting rates by at least 25 basis points and at most by 50 basis points.

For his part, David Cohen of Action Economics said it would be “pretty difficult" for the BSP "not to at least hike rates by 25 basis points following the June consumer price index."

“We think that they will limit it to 25 basis points, but the central bank is probably a little nervous whether the markets would be satisfied," Cohen said.

He added that the BSP is seen to prefer gradually hiking rates, “while waiting to see how the upcoming data clarify how the fears of accelerating inflation and slowing growth actually turn out."

Global investment bank Lehman Brothers also said the recent statements by monetary officials showed that the BSP will hike rates soon.

“It is no surprise that real interest rates have turned deeply negative and therefore there is a need for BSP to anchor inflation expectations. Deputy Governor Diwa Guinigundo said on June 27 that the bank has scope to increase borrowing costs further without endangering growth, suggesting a rate hike soon," Lehman Brothers said.

Luz Lorenzo, chief economist for the Asia-Pacific region, expressed the same sentiments. She said that the BSP will lift rates by 25 basis points.

Su Sian Lim of the Development Bank of Singapore has also projected a 25-basis point increase in rates following BSP's meeting on Thursday, July 17.

She said that with rising inflation expectations, the “BSP therefore needs to keep raising interest rates."

“I am therefore looking for benchmark rates to be lifted a further 25 basis points. Subsequently, there will be another 50 basis points of tightening before the year is up,"

Online advertising

Online advertising is a form of advertising that uses the Internet and World Wide Web in order to deliver marketing messages and attract customers. Examples of online advertising include contextual ads on search engine results pages, banner ads, Social network advertising, advertising networks and e-mail marketing, including e-mail spam.

A major result of online advertising is information and content that is not limited by geography or time. The emerging area of interactive advertising presents fresh challenges for advertisers who have hitherto adopted an interruptive strategy.

Online video directories for brands are a good example of interactive advertising. These directories complement television advertising and allow the viewer to view the commercials of a number of brands. If the advertiser has opted for a response feature, the viewer may then choose to visit the brand’s website, or interact with the advertiser through other touch points such as email, chat or phone. Response to brand communication is instantaneous, and conversion to business is very high. This is because in contrast to conventional forms of interruptive advertising, the viewer has actually chosen to see the commercial. see more


Affiliate marketing is a form of online advertising where advertisers place campaigns with a potentially large number of small (and large) publishers, whom are only paid media fees when traffic to the advertiser is garnered, and usually upon a specific measurable campaign result (a form, a sale, a sign-up, etc). Today, this is usually accomplished through contracting with an affiliate network or CPA network, such as Performics, Hydra Network, Motive Interactive, Commission Junction/BeFree, LinkShare, Primeq, Consorte Media or Azoogle.

Affiliate marketing was an invention by CDNow.com in 1994 and was excelled by Amazon.com when it launched its Affiliate Program, called Associate Program in 1996. The online retailer used its program to generate low cost brand exposure and provided at the same time small websites a way to earn some supplemental income.

Legitimate Email advertising or E-mail marketing is often known as "opt-in e-mail advertising" to distinguish it from spam.

Many advertising networks display graphical or text-only ads that correspond to the keywords of an Internet search or to the content of the page on which the ad is shown. These ads are believed to have a greater chance of attracting a user, because they tend to share a similar context as the user's search query. For example, a search query for "flowers" might return an advertisement for a florist's website. more
Contextual advertising Another newer technique is embedding keyword hyperlinks in an article which are sponsored by an advertiser. When a user follows the link, they are sent to a sponsor's website.you can Put ads

Behavioral targeting

In addition to contextual targeting, online advertising can be targeted based on a user's past click stream. For example, if a user is known to have recently visited a number of automotive shopping / comparison sites based on click stream analysis enabled by cookies stored on the user's computer, that user can then be served auto-related ads when they visit other, non-automotive sites.

Making Money at Home

Anyone who states newspapers today can afford piece of real estate business opportunities. Home business opportunities are on the rise. Small home business opportunities are just as plentiful as considerable home business opportunities.

Home business opportunities may require research into economy law as it relates
to home boom opportunities. An entrepreneur interested in home business
opportunities will desire to make sure the home market opportunities are
legitimate and profitable. The Better Business Bureau can provide information
on home business options and their financial history.

Once home business opportunities have been thoroughly researched, the person
interested in the piece of real estate business opportunities should start as eventually as possible.
If there are a limited plethora of structure business opportunities, other people
looking for home business options may fill them first. With all home
business opportunities, it is important that the entrepreneur be interested in
the home industry opportunities, as it will fashion the home business opportunities
process easier.

Looking for real estate business opportunities is simple. Many websites provide home
business options or can direct you to agencies that have housing business
opportunities available. If you by now work for a large company, they may
have home industry opportunities. Web conferencing and email make home business
opportunities possible. The first evolution towards home business opportunities is
the hardest. This requires realizing the possibilities home boom
opportunities offer, and how housing sector opportunities can remove you based on data from the
daily drudgeries of working in an office. With house business opportunities, you
can improve your lifestyle and reach your monetary dreams.

Resource:

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Business Logo Designs – Components Of Business Logo Designs

Business logo designs are the business' physical representation in the market. It is an essentiality the market logo designs should be appealing and well made. Attractive arena logo designs can grab customer's attention faster and better which could result in improving the business' flow. Certain times entrepreneurs take too lightly the importance of business logo designs and therefore properties lag behind in creating a powerful image of their business in the market. If you take a look around, you would foresee that most of the leading businesses have strong business logo designs serving as this arena identity.

Business logo designs serve your economy in various ways. In marketing terms, decently made business logo designs can extend decent recognition to the arena in the market. They differentiate the business amongst a multitude of businesses and also reflect the standards of it. One cannot present or advertise his business in the market without a face. Hence, business logo designs serve your business as its representative.

Another nice promotional tip is to print your business logo designs on the stationery, business cards, letterhead and mailing supplies your business uses. But can you do that without a economy logo? The key is no! Therefore you need to have magnificent coming across as business logo designs for this purpose.

Good business logo designs certainly become half of the business's corporate identity.

In a nutshell, fine coming across as business logo designs are critical elements which can present your business in a further effective manner in the market. There are various businesses that have feeble business logo designs. Such business logo designs verify to be the business' weakness rather as opposed to its strength. more

News Article Strategy

Leading search engines treat the news article different and it may have something to do with frequency of posts at a site. However my tests clearly confirm that revelation articles experience an periphery over non-news article posts done frequently. Still this is an extremely valuable secret. This little secret has helped me generate thousands of targeted hits and has given me selected interesting earnings out of my Adsense ads. It is impressive how big an impact stuff that you discover almost by accident can have on your life.

There are several great traffic advantages the current news article posts arrive with. To start with, people knows overly news and current affairs usually has a major lower on searches in terms of the keywords being used. Breaking bombshell often leaves a large number of unanswered questions that will tend to send droves to such a favorite search engines in search engine of more information. New popular keyword phrases emerge that do not have any competition yet and therefore it is fairly easy for a small unknown site to appreciation high rankings with search engine engines for those particular keyword phrases.

And the essentially huge advantage here is that it is fairly easy to predict popular keywords in advance when you opt to go for news article posts. When you consider the fact that a good deal of news items and subjects remain at the center of the public's attention for a for a long while time, you are able to quickly realize the real power of a single news content post in augmenting traffic for a site and keep it high for a extended time.More

Forex Trading News For Free

I'm going to talk to you about forex trading news. This market is a very rewarding market to those that know what they're doing and can stay ahead of the pack. If you can't do that, you can lose a lot of your money. There are some amazing free sources of information that you can use to profit in this three trillion dollar a day marketplace. I'm going to share with you how to properly use it and understand it.

You can watch regular news to get this information. If you get a financial news channel like CNBC, than you'll get obviously more news related to it. None of this news will be filtered or focused for the forex trader, which makes it harder to understand, but less of a mainstream source for the traders out there.

A currency is essentially paper and that is worthless in itself. The value comes from how well an economy is going, stability of it and the political soundness in this market. Basically that means, if the economy is performing well, is relatively stable and the politicians aren't messing things up, a currency will be good.

You need to pay attention to the economic news which is typically made up of GDP growth, unemployment rates, consumer spending, inflation, etc. You want to know what these say and what is expected of them. If the news is good, you can expect a rally in the currency. If they're bad, you can expect a dive. By following this, you get free forex trading news which is very valuable.More

How To Get Your Website Featured In Google News
Getting Google to use your website as a news source is quite difficult, that can usually take many years and a lot of effort, usually this is unrealistic. However there are ways to get your website or product featured in Google news. One of the a large amount of effective ways is to have a quality news story written the current is search engine optimized and put forward to appear in the news source.

Such articles usually have links returning to products and or sites to gain traffic. This can vary depending on the website but a grow in income can usually be seen.

The assistance of these types of exposure include: Your article being featured in many major Internet search engines as vastly as in many major news aggregators, such as Google News, Topix, Lycos and other news aggregators. Brining visitors to your site through the article

Also fast Inclusion into Google searching the web is gained along with extra back links the can add to your sites performance. This can also impress clientele and warn competitors the you mean business.

This can be beneficial to a entire range of websites, including entertainment, business, humor, money. Although not every site is guaranteed, nearly all can be featured. Depending on the website subject an instant boost of traffic can be received along investing in the 'wow' factor of making in Google news. More info

Definition of a Money Making

Definition of a Money Making Web Site

A money making web site is a virtual page hosted on web servers containing a specific group of information the those are coming across as for and keen to spend money on. Often customers will create currency making websites in order to craft income from the comfort of their own home. All finances rendering websites have one worry in common, and that is to make money for their owners. The difference between a normal website and a money causing website can be told by its appearance. Normally a website will not contain any ads or cause any of your information. Money making websites, on the a larger amount of hand, commonly requires that their visitors purchase a product or service and has advertisements that usually require personal details, this as name and email.

For money making websites, money is generated from product/service sales and advertisement revenues. But it totally depends on how the owner operates his or her income making website. Different products and services require different approaches. Some money bringing about websites promote a product or service directly. Some money making websites amass their visitor's things and slowly sell their product or program through email. Some money making websites find information for free but generate money from advertisers.

Overall a money constructing website should check simple and plain. It should not contain too many fancy animations and/or graphics. It when be informative and easy to read. It shouldn't own too many advertisements. It shouldn't promote too different products.

Vertical Spreads - Vertical Call Spread and Vertical Put Spread Value

Any spread that has intrinsic expense is measured in-the-money.

How can you identify the market prices of a vertical hire spread or a

vertical put spread? Compare the stock price to the strike

prices.
Look at any vertical requirement spread. If the stock price is above

the dropped strike of the spread, then the spread is in-the-money.

For example, in the Feb. 50 – 55 call spread, if the supply is

trading at $52.00, subsequently the spread would be in-the-money by $2.

This is when if the spread expired today, the Feb. 50 calls

would finish $2.00 in-the-money. The Feb. 55 calls will finish

worthless while properties are out-of-the-money. The spread,

however, may be in-the-money amongst a value of $2.00.
The pivotal is similar for determining whether or not a spread is

out-of-the-money. If the inventory levels is reduced next the lower

strike of the spread, afterward the spread is out-of-the-money.

Again, coming across as at the Feb. 50 – 55 call spread, if the spread

expired today and the availability market worth closed at $48.00, (lower than

the lowered strike) then the spread could be out-of-the-money,

thus the spread will be able to be out-of-the-money. And, of course, if the

stock is trading at the same price levels as the lessened strike price,

then the spread ought to be considered at-the-money.
For vertical put spreads, a spread is resolved to be

in-the-money if the stock cost is lower as opposed to the bigger of the

two strikes of the spread. For example, let us look at the Sept.

40 – 45 put spread. If the inventory got to close at $42.00 on

expiration day, the Feb. 45 put ought to end up in-the-money and

worth $3.00. The Feb 40 puts are able to be out-of-the-money creating

a $3.00 intrinsic cost for the spread. Since the spread has an

intrinsic value, it is in-the-money.
A vertical put spread is measured to be out-of-the-money if

the supply price is even better as opposed to the higher strike of the spread.

So, going back to our Sept. 40 – 45 put spread example, if the

stock was to conclusion at a cost of $46.00 (higher as opposed to the higher

strike) next both the Sept. 40 and 45 put is able to expire worthless.

Thus the spread plans to be worthless and out-of-the-money.
A vertical put spread is thought to be at-the-money when the stock

price is equal to the higher strike price. More