Saturday, June 29, 2013

Your Top Plays for Today

Your Top Plays for Today: AP's Sports Guide

--DJOKOVIC AND WILLIAMS CRUISE ON ANOTHER RAINY DAY AT WIMBLEDON

Title favorites Novak Djokovic and Serena Williams dodge the carnage among the leading players and win at Wimbledon.

http://apne.ws/13aj6IK

--SPAIN DOWNS ITALY ON PENALTIES, REACHES CONFEDERATIONS CUP FINAL

After a scoreless draw, Spain downs Italy in a penalty shootout to set up a Confederations Cup final against host Brazil.

http://apne.ws/14djcw2

--SURPRISES AT NBA DRAFT AS CANADIAN GOES AT NUMBER ONE

Cleveland Cavaliers select Canadian Anthony Bennett in an unpredictable first round at the NBA draft.

http://apne.ws/13bDGHt

--WEBBER TO QUIT F1, HEADING TO SPORTSCARS WITH PORSCHE

Australian Mark Webber confirms longstanding speculation he will quit the Red Bull F1 team at season's end and return to sportscar racing with Porsche.

http://apne.ws/1aQfH20

--CONTADOR BULLISH ABOUT CHANCES IN RETURN TO TOUR DE FRANCE

Two-time champion Alberto Contador predicts an aggressive Tour de France in his return to the event after missing a year under a doping ban.

http://apne.ws/1aQvM7X #TDF

Source: http://news.yahoo.com/top-plays-today-070246380.html

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How To Improve Your Credit Score For Better Financing Terms

How To Improve Your Credit Score For Better Financing TermsImagine that you?ve found the perfect home and are ready to apply for financing. Your home loan approval amount comes back lower than you would have expected and at an interest rate significantly above what you have heard is available on the market.

This could be because you have an average to poor credit score.

Mortgage lenders base interest rates on many things, but your credit score plays a large part. Anything between 720 and 850 will typically qualify for better interest rates. A mediocre score is usually between 660 and 719, and a low score is 659 and under.

If you have a lower score than you?d like, below are a few traits for you to follow of people who possess higher credit scores and secure the best home financing.

They don?t max out their cards.

It?s better to keep a low revolving balance on a few cards than to spend every dime allotted on one. The ratio of credit card balance to your credit limit is called credit utilization. The higher your credit utilization, the larger affect it can have one your credit score.

They make payments on time.

This is very likely the most important tip for your credit health. If you miss a payment on a term loan, credit card account or monthly home bill, then you could be turned over to collections, which will affect your score negatively. ?You will almost surely be reported as late to the credit bureaus, which will in turn drop your credit score precipitously. Absolutely make all of your payments before their due date.

They stay with one card.

Don?t close and open credit card accounts frequently. Each time you make a change to your line of credit, it affects your score. Even if you don?t want to be tempted to use a credit card, keep the account open and leave the card at home. According to the Fair Isaac Corporation (FICO), high credit achievers have accounts that are usually at least 11 years old.

Excellent credit could qualify you for a better interest rate, which might save you thousands of dollars over the life of the loan. So stay on top of your monthly credit bills and keep a low balance on just a few cards to watch your score steadily increase.

If you?re ready to learn more about your ability to purchase a home, call your trusted home financing professional today.

Source: http://coolshax.mysmartblog.com/home-financing-tips/how-to-improve-your-credit-score-for-better-financing-terms/

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Saturday, June 22, 2013

Get A Business Loan For Your Small Business And Encourage Your ...


A plan to start a new business surely calls for working capital financing sooner or later. Establishing a business requires proper working capital support being it a fundamental backbone for any effective business. Without the adequate amount of sufficient capital, starting an effective business is almost impossible. However, the next big thing is how once can get a business loan? Which are the most convenient sources and requirements of getting a business loan?

At first, there are various lending establishments like banks, small capital agencies that provide you with the loan for any period. But it?s always better to get financing from reputable business loan lenders as they charge lower interest rates with better repayment terms.

Getting financing from small lending agencies can sometimes be risky as they might charge high rates of interest as well as can cheat you.

With the advancement in lending industry, getting a business loan is easy these days. But prior to acquiring a great loan deal, there are certain requirements which a business owner must satisfy in order to avail the funds.

Let?s discuss those requirements. Prior to applying for a business loan, you might be require to have a strategic business plan which must illustrates how the funds will be used and repaid. If a business owner don?t have a business plan in place, getting a business loan might be difficult.

Once you have a business plan in place, the lenders might request to have a co signer. That?s for those borrowers who have bad credit ratings, and involving a good credit co-singer can get you quick loan with easy terms.

Before approving a business loan application, the lenders usually request for credit history in order to assure the credibility of the borrowers. By involving a good credit co-signer, you can secure a loan deal easily and the co-signer will be directly liable in case of default ot non-repayment.

A borrower can obtain business loan in two forms: secured business loan (long term) and unsecured business loan (short term). Secured business loans offer long repayment terms with big loan amounts. Whereas unsecured business loans offer short loan amounts with shorter repayment terms.

When considering a small business loans from banks or any other lenders, be sure to investigate the concerning bank or agency thoroughly. Shopping for best lenders can get you best loan deal at affordable terms and conditions. By comparing their rates and terms, you can select a lender that matches your business needs best.

Source: http://www.onlinecheck.com/blog/business-loans/get-a-business-loan-for-your-small-business-and-encourage-your-initiatives/

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Spike takes it on the chin with shaky ratings for Fight Master, Bellator

When Spike TV began its contract with Bellator in January, it continuously billed itself as the home of mixed martial arts.

That, though, is difficult to tell from the shockingly poor performance of the debut of its heavily promoted reality show, "Fight Master," on Wednesday. Bellator's live fight card, featuring a light heavyweight bout headlined by Muhammed "King Mo" Lawal, also tanked.

Bellator's summer series, Bellator 96, kicked off in Thackerville, Okla., with Lawal scoring a devastating one-punch knockout of Seth Petruzelli. But the fight card attracted an average of just 480,000 viewers, several hundred thousand less than Spike was getting during the recently completed season. Bellator 95, which featured Pat Curran defending the featherweight title against Shakhbulat Shamkhalaev, averaged 901,000 viewers on April 4.

Worse from Spike's standpoint, Wednesday's live card was beaten head-to-head by the UFC's March show on Fuel, which did an average of 485,000 viewers. Spike is in 97.9 million homes and Fuel is in 36.8 million. The UFC fight card on June 8 from Brazil that was on Fuel averaged 313,000 viewers.

The 'Fight Master' reality show, featuring coaches Randy Couture, Greg Jackson, Frank Shamrock and Joe Warren did even worse. Fight Master averaged 432,000 viewers for its debut. It reached 109,000 with viewers 18-34, and just 67,000 with men 18-34, which is the primary MMA demographic.

Compared to Season 14 of 'The Ultimate Fighter,' the final season of the UFC's reality series that aired on Spike, Fight Master was a major loser. It was down 92 percent in men 18-34, 91 percent with adults 18-34 and down 87 percent with adults 18-49.

Fight Master received wide critical acclaim, but the public, at least for the debut, didn't buy the hype.

Source: http://sports.yahoo.com/blogs/mma-cagewriter/spike-takes-chin-shaky-ratings-fight-master-bellator-225342981.html

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Friday, June 21, 2013

How Digital Marketing Has Changed Small Business ... - Mediabistro

Here?s an interesting statistic: five years ago, just 10 percent of small businesses were using social media for marketing purposes. Fast-forward to the heady days of 2013, and that number has leapt to 87 percent.

What else has changed for SMBs in the last half-decade?

Plenty. And while there are more tools and technology available today to help brands of all shapes and sizes grow, almost three in five (59 percent) say that they believe it?s harder to run a business now than it was in the Noughties. It?s not for want of trying, though ? 84 percent of SMBs are using more online marketing tools (98 percent use email marketing, up from 64 percent before), and 40 percent believe that social media is amplifying word-of-mouth referrals.

Check the infographic below for all the findings from Contact Contact?s Small Businesses: Then And Now survey.

(Source: Constant Contact. Small business image via Shutterstock.)

Source: http://www.mediabistro.com/alltwitter/digital-marketing-smb_b45194

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Thursday, June 20, 2013

Sakurai wants to target silent, Brawl-loving community - VG247.com

Thu, Jun 20, 2013 | 10:25 BST

Annual physical important for all children and teens - News 10 Now

If your child doesn't play a sport, chances are your child isn?t getting a yearly physical, for most kids it's not necessary, but for some it is. For this edition of Child Wellness Wednesday, YNN?s Marcie Fraser has more.

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"If they have a family history of high blood pressure, high cholesterol we start screening kids at an earlier age,? said Dr. Ken Schwartz, Family Medicine Physician.

As kids get into the teen years, there are new topics to discuss.

"Alcoholism, drugs, safe sex or no sex, dental examinations, hygiene, sleep patterns, diet, we even talk about interpersonal relationships, in school and out of school,? said Dr. Schwartz.

For older teens there is a part of the exam that some parents are uncomfortable with but according to most health professionals, the discussion is important.

"If they are sexually active early, they need to have female exams regularly and counseling on pregnancy prevention, but we give similar advice to boys about safe sex and prevent teenage pregnancy,? said Dr. Schwartz.

A required immunization for college bound students is to prevent meningitis, a vaccine that is not required but is consider by some, to be controversial is Gardisil.

"Gardisil is a immunization against HPV, human papillomavirus, a virus causes genital warts and certain of those genital sub-types will lead to cervical cancer,? said Dr. Schwartz.

And it's now offered to boys.

According to the CDC, kids need at least 60 minutes of physical activity every day, the majority of that should be aerobics, running or walking also, they need three days of strength training such as pushups or sit-ups.

When it comes to nutrition, some doctors cover it some don't. Kids of all ages should eat less than 35 percent of their calories from healthy fats, for example fish, nuts and vegetables oils, eat plenty of fruits and veggies and drink two to three cups of milk daily or a few slices of cheese.

Source: http://centralny.ynn.com/content/health/669796/annual-physical-important-for-all-children-and-teens/

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Wednesday, June 19, 2013

Obvious-Incubated Lift Brings Its Smart Goal-Tracking And Self ...

Back in August, Lift launched the first rendition of its snappy-looking iPhone app that aims to help people build healthy habits and achieve their goals. Initially incubated and seed funded by Obvious Corp., the hybrid accelerator and seed vehicle created by Twitter co-founders Ev Williams and Biz Stone and early Twitter VP Jason Goldman, the startup added $2.5 million from Spark Capital, SV Angel and Adam Ludwin from RRE, among others, in November.

Today, Tony Stubblebine, Jon Crosby and team are making their goal-tracking app available to everyone by bringing it to the browser. Up until now, Lift has been iPhone-only, but beginning today, users will be able to sign up for an account and use the app across Windows and Android phones.

The browser version of Lift includes many of the same features that have been available on mobile, including tracking, streaks, graphs, progress and community support, as Stubblebine explained in a blog post this morning.

As we?ve written previously, Lift is among a new set of startups experimenting with the best ways to present behavioral design on mobile ? to ?find the right incentivization and motivation structures? that can help people better achieve their goals.

Many companies have opted to take a health-centric approach to activity tracking, offering monetary rewards or social graph-leveraged peer pressure to help people unlock healthier lifestyles. Using methods inspired by the Quantified Self Movement?s penchant for data tracking, psychology and behavioral research ? along with cheerleading and positive support from its community ? Lift is taking a more general approach.

It?s not intended to just be a health-tracking app, although it works in many health-related contexts by helping users keep track of say, the number of push ups they managed in any given week. The team doesn?t want Lift just to be a ?tracker? in the same way that many Quantified Self enthusiasts have come to see health trackers as a system bereft of intelligence where users can simply keep tabs and notes about what people do on a daily basis.

And, rather than simply being a habit tracker, which sounds like another chore that people have to suffer through, and because it?s not automatic or daily ? the focus of many habit trackers. Instead, users can create or join existing ?habits,? using the app to record those habits when and if they meet them. All activity on the app is public, and users can offer support to others (and receive it in kind) when goals are reached.

The idea is to make it simple to record your progress for any and all of your regular habits or activities and get pushed along by the positive reinforcement of community applause. As Lift sucks in more data on your aspirations and progress, it populates groups of charts and graphs with that data, giving users a visual sense of just how well (or not) they?ve been doing when it comes to sticking to their goals.

I like to think of it this way: You know when you make all those brave New Years Resolutions about how you?re going to get in shape and be a better son/daughter/husband/wife/sister/brother/mother/father, stay in touch with friends, be kinder to animals and re-tweet Rip?s articles more regularly? Well, usually, those resolutions are attacked with gusto for about a week before life gets in the way and one month later, you?ve driven by the gym once.

Lift is the app that helps you keep track of all those life goals and remind yourself how close you are to getting there. As Stubblebine writes: ?You can?t change what you don?t measure and tracking your progress is the first step toward achievement.? And the second step, going beyond goal tracking, is to make the community foundation deep enough that it becomes a legitimate source of answers, accountability and positive support.

In terms of what Lift is launching today, beyond progress and quick tracking, Lift for the Web includes a ?Me? tab that allows users to view trend charts in bar form among others. [See below.]

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Lift for the Web is also a product of responsive design, meaning that it?s optimized for mobile use as well, adjusting in size to work with the format and screen type of any mobile device, phone or tablet.

In terms of what?s up next: Lift says that a native Android version of the app isn?t quite ready yet, but it?s on the way. In terms of features, Lift is also testing ?expert guidance and accountability in the form of groups,? which Stubblebine says one can think of like ?training plans.?

Skeptical? For more about the ?Science of Lift,? find it here. But, with its responsive design, Lift (at the very least) keeps the bar high in terms of the clean look and appeal of its simplicity. The team is taking great care not to just create another blunt instrument for health tracking, as seen by the ?intelligent? push notification system it launched late last year (care of Matthew Panzarino of TNW), and its user experience is all the better for it.

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Lift is a virtual web design and development company with a focus on user experience design, second screen apps, and WordPress development. Co-founded by designer Chris Wallace and entrepreneur Brad Miller, Lift works primarily with large television networks building second-screen applications for tv shows Breaking Bad, The Walking Dead, Bridezillas, and others. Founded in 2009, Lift originally focused on building WordPress websites for small businesses and blog networks. In 2010, Lift redesigned and developed TheNextWeb.com, releasing the new website live...

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Source: http://techcrunch.com/2013/06/18/obvious-backed-lift-brings-its-smart-goal-tracking-and-self-improvement-app-to-the-browser-and-mobile-web/

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Yodeling Country Star Slim Whitman Dead At 90 (VIDEO)

Yodeling Country Star Slim Whitman Dead At 90 (VIDEO)

R.I.P. awesome Slim WhitmanCountry singer Slim Whitman, the high-pitched yodeler whose career spanned decades, passed away at a Florida hospital on Wednesday of heart failure. He was 90. The singer appeared in many television ads in 1980s and 1990s, also known for his song saving the world from aliens in the comedy “Mars Attacks!”. Slim Whitman, born Ottis ...

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Source: http://stupidcelebrities.net/2013/06/yodeling-country-star-slim-whitman-dead-at-90-video/

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Herbal extract boosts fruit fly lifespan by nearly 25 percent

June 18, 2013 ? The herbal extract of a yellow-flowered mountain plant long used for stress relief was found to increase the lifespan of fruit fly populations by an average of 24 percent, according to UC Irvine researchers.

But it's how Rhodiola rosea, also known as golden root, did this that grabbed the attention of study leaders Mahtab Jafari and Sam Schriner. They discovered that Rhodiola works in a manner completely unrelated to dietary restriction and affects different molecular pathways.

This is significant, said Jafari, associate professor of pharmaceutical sciences, because dietary restriction is considered the most robust method of improving lifespan in laboratory animals, and scientists have been scrambling to identify compounds that can mimic its effects.

"We found that Rhodiola actually increases lifespan on top of that of dietary restriction," Jafari said. "It demonstrates that Rhodiola can act even in individuals who are already long-lived and healthy. This is quite unlike resveratrol, which appears to only act in overfed or unhealthy individuals."

The researchers proved this by putting flies on a calorie-restricted diet. It has been shown that flies live longer when the amount of yeast they consume is decreased. Jafari and Schriner expected that if Rhodiola functioned in the same manner as dietary restriction, it would not work in these flies. But it did. They also tested Rhodiola in flies in which the molecular pathways of dietary restriction had been genetically inactivated. It still worked.

Not only did Rhodiola improve lifespan an average of 24 percent in both sexes and multiple strains of flies, but it also delayed the loss of physical performance in flies as they aged and even extended the lives of old flies. Jafari's group previously had shown that the extract decreased the natural production of reactive oxygen species molecules in the fly mitochondria and protected both flies and cultured human cells against oxidative stress.

Jafari and Schriner, an assistant project scientist in Jafari's laboratory, are not claiming that Rhodiola supplements will enable humans to live longer, but their discovery is enhancing scientific understanding of how supplements believed to promote longevity actually work in the body.

Rhodiola has already shown possible health benefits in humans, such as decreasing fatigue, anxiety and depression; boosting mood, memory and stamina; and preventing altitude sickness. Grown in cold climates at high elevations, the herb has been used for centuries by Scandinavians and Russians to reduce stress. It's also thought to have antioxidant properties.

Jafari's research group is currently exploring the plant's potential to kill cancer cells, improve Alzheimer's disease and help stem cells grow.

Rhodiola is readily available online and in health food stores. Jafari, though, has analyzed several commercial products and found them to not contain sufficient amounts of the reputed active compounds -- such as rosavin and salidroside -- that characterize high-quality products.

Source: http://feeds.sciencedaily.com/~r/sciencedaily/top_news/top_environment/~3/AhqPHvYGpj8/130618125112.htm

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FCC chairman nominee Tom Wheeler comes out in favor of legalized phone unlocking

He was nominated to replace Julius Genachowski as chairman of the Federal Communications Commission a mere six weeks ago, and before he's even got the job, Tom Wheeler's making headlines. Ars Technica reports that would-be chairman Wheeler wants what many (all?) cell phone owners want -- the ability to unlock our phones free from fear of legal retribution. The way he sees things, when folks have bought and paid for their phones and are contract-free, they "ought to have the right to use the device and move it across carriers." Unfortunately, while he's staked out his position on the matter, he has yet to say exactly how he plans to make phone unlocking legal, be it through legislation or other means. The good news is, he's not the boss just yet, so he's got time to address those niggling details while he waits to be confirmed as the new chairman.

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Source: Ars Technica

Source: http://feeds.engadget.com/~r/weblogsinc/engadget/~3/B1HuNwSubZ0/

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