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Tuesday, September 25, 2012

Oil drops below $92 on gloomy economic outlook

Oil prices fell Monday, dragged down by worries about weaker economic growth around the world.

Benchmark crude dropped $1.23 to $91.66 around midday Monday in New York. Oil fell more than 6 percent last week.

In London, Brent crude was down $1.89 to $109.53 on the ICE Futures exchange.

The latest dose of gloomy economic news game from Germany, where the Ifo index of business confidence fell for the fifth month in a row. Germany is an economic powerhouse, but 43 percent of its exports go to its euro partners. And growth is stalling across the other 16 countries in the eurozone.

Slower economies mean less demand for oil, pushing prices down.

The lower oil prices are somewhat positive for drivers in the U.S. The average price for gasoline slipped about 2.5 cents over the weekend to $3.808 per gallon, according to a daily survey from AAA, Wright Express and the Oil Price Information Service.

Other futures prices on the New York Mercantile Exchange:

? Natural gas fell 3 cents to $2.85 per 1,000 cubic feet.

? Heating oil fell 4 cents to $3.08 per gallon.

? Wholesale gasoline fell 8 cents to $2.82 per gallon.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/f70471f764144b2fab526d39972d37b3/Article_2012-09-24-Oil%20Prices/id-048ce180588e436698d1934fc1fd88dc

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Mac App Mahjongg Staxx Hits Top 40 Board Games ...

San Mateo, CA (PRWEB) May 26, 2012

Selectsoft, a California-based developer of family-friendly games, is pleased to announce that their Mac game Mahjongg Staxx has hit the Top 40 Board Games on the Mac App Store(SM). Featuring creative layouts, dazzling backgrounds and stacks of tilesup to 24 layers per layoutthe addictive game launched on the Mac App Store on April 23 and has quickly climbed the charts. Developed by Selectsoft in partnership with Teyon, Mahjongg Staxx joins Selectsoft?s Mahjongg Platinum Evolution Edition as a top 100 game in the Puzzle and Board categories on the Mac App Store.

Mahjongg solitaire is a popular game of skill and patience enjoyed by millions of people around the world. As creator of one of the top-selling mahjongg games series according to NPD Techworld, Selectsoft has long experience developing fun mahjongg and solitaire games for the whole family. Mahjongg Staxx offers classic gameplay with a twistup to 24 layers of tiles per layout. Easy-to-use 3D virtual views make it easier and quicker to find those hidden tiles to match in stacks and stacks of tiles, while four game modes offer more ways to play:

Level-Based Adventure ? Complete the challenge by solving multiple levels
Bonus Power-Up ? Special power-up tiles add an extra twist
2-Player Challenge ? Play across a network
Solitaire ? Enjoy pure mahjongg strategy

In addition to the regular game modes, four game variants provide even more playing choice. Make matches of 3 or more tiles by swapping pieces on an endless board in Kumika. Memory challenges players to remember the location of matches, while Waterfalls requires strategy as gravity changes the board. Or find a path to connect and clear matching tiles in Four Rivers.

Along with multiple game modes, Mahjongg Staxx also features next-generation 3D play, exclusive game editors and more. Play with the largest collection of tile sets and layouts ever, or import photos to create custom tile sets and layouts for a unique personalized experience. Customize tile sets and layouts with easy-to-use editors, or choose from a huge collection of decorative tile sets and over 1 million preset layouts. With stacks and stacks of tiles, creative layouts, and gorgeous backgrounds, it?s amazing mahjongg fun like never before.

About Mahjongg Staxx:

You think you know Mahjongg? You don?t know Staxx! Mahjongg Staxx is mahjongg fun, multiplied! Enjoy creative layouts, dazzling backgrounds and up to 24 layers of tiles per layout. Customize your tile sets and layouts with easy-to-use editors, or just choose from a huge collection of decorative tile sets and over 1 million preset layouts. With incredible eye-catching tiles stacked to the max, it?s a whole new way to play mahjongg!

Features:

Up to 24 layers per layout
Over 1 million layouts
Unlimited game variations
Change tile thickness and tile set on-the-fly
3D backgrounds
Huge collection of tile sets
Tile set creator, layout editor and game variation creator

Choose Your Favorite Mode:

Adventure: Advance level by level
Bonus: Special power-up tiles add to the excitement
2-Player: Challenge across a network
Solitaire: Classic mahjongg solitaire fun
Kumika: Make matches by swapping tiles
Waterfalls: Match adjacent tiles as the board shifts
Four Rivers: Connect matching tiles across the board
Memory: Can you remember where the matches are?

Headquartered in San Mateo, California, Selectsoft is a leading developer of family-friendly games and apps, creating best-selling games for iOS, consoles, Android, Mac and PC. It?s also one of the largest independent publishers of PC and Mac software, featuring licensed content from Broderbund, Disney, The Learning Company and many more. For almost 20 years, Selectsoft has been dedicated to providing affordable, fun entertainment for the whole family. Visit http://www.selectsoft.com to learn more.

Teyon is a successful developer and publisher of interactive entertainment for all leading platforms. Established in 2006 in Poland, the company is focused on the development of high-quality video games and software. Teyon has created best-selling games for Nintendo DSi and Wii, PC, Mac, iPhone

Source: http://technology2reality.com/blog/?p=6853

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Articles on health care reform - HEALTH, BEAUTY & FITNESS

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Monday, September 24, 2012

Debt by degree: College loans swamp a generation

As a freshman at the University of Oregon four years ago, Marcus Triest was blissfully unaware of the price of college.

His mother and father, a saleswoman and a farmer, were doing all the worrying for him, just as they had for his elder brother, Matthew, who?d earned a history degree from Willamette University.

?I was getting allowances still from my parents,? Triest said. ?I really had no idea what was going on and what position they were being put in by sending a second kid through college.?

Then came a day in Triest?s sophomore year when his mother sat him down for a talk.

?Look,? he remembers her saying, ?This is what we?ve paid for. This is how much we have left, and this is how much in loans we?re going to have to take out to pay for the rest.?

Triest got a job at Beppe & Gianni?s Trattoria to keep up with his expenses.

He graduated two years later with a degree in product design, with $20,000 in student loan debt and with no prospect for a job.

With chagrin, he?s continuing to drive his hand-me-down, rust-bucket, last-century Corolla.

And, he?s moving back to Portland to live with his parents.

Earlier in the summer, his brother talked about doing the same, since the only work he?s been able to find in Portland has been in flooring sales.

?Dibs on the top bunk,? Marcus jokingly said.

Seriously, then, he said:

?I don?t want to move in with them; I have to. I don?t have any other decision. I have a little bit saved up, but that needs to go toward my loans.?

Like never before, student debt is changing the lives of college students, young graduate?s and middle-aged borrower?s who are still trying to put their college debt to bed.

Nationwide, the mushrooming debt crossed the $1 trillion mark nationally earlier this year, surpassing the big balances that U.S. borrowers owe on automobiles and credit cards.

The debt burden ballooned as the economy worsened, with indebted recent graduates scraping for a job ? any job.

The average student debt grew 24 percent in the past decade. Meanwhile, average earnings fell 15 percent for graduates between the ages of 25 and 34, according to a study by the Progressive Policy Institute.

This debt-to-earnings slippage is increasingly putting young lives in a holding pattern: 14 percent of graduates put off marriage because of the debt, 27 percent moved back in with their parents and 40 percent delayed a major purchase such as a home or a car, according to a Rutgers University spring survey of 444 U.S. residents who had earned a bachelor?s degree between 2006 and 2010.

The debt they carry infuses their decision making, for example, influencing not only when they marry, but also who they marry.

Student debt makes for awkward conversation in the bloom of romance. ?Hey honey, by the way, that baggage in my closet, that?s all debt,? 26-year-old Marylhurst University student Sara Bates quipped.

The debt burden shouldered by the two-thirds of students who borrow to go to college is heavier than the debt their mother and father carried, said Mark Kantrowitz, the founder of finaid.org and an expert in college finances.

The smartest students start worrying about debt when they make their college plans. At college, they don?t dabble in coursework to find a subject that thrills them. The pressure is on to make a decision about their major ? and their career ? before the loan totals mount.

Because of the cost, it?s no longer feasible for students to work their way through college and emerge debt free. It takes more hours of work a week than most students can endure and still get good grades, Kantrowitz said.

In their 20s, students are leaving school laden with regret for the choices they made, the Rutgers study found. Thirty-seven percent said they wished they?d been more careful about choosing a major, 29 percent wished they?d done more internships, 24 percent would have begun looking for work while still in school and 20 percent would have taken more career-?oriented classes.

The job market has disappointed them. Only half found full-time work, the study found. Of those, only four in 10 were in a job that required a four-year degree.

?You went to college to pursue the American Dream,? Kantrowitz said, ?but because you graduated from college with too much debt and you can?t get a job, that dream is on hold.?

And even for those able to establish a solid career, the debt can seem daunting.

Nationwide, the summer of 2012 was enlivened with student-?loan true confessions, starting with President Obama, who said that he and the first lady graduated from law school with debt of $120,000, which they were able to retire only eight years ago.

U.S. Sen. Marco Rubio, R-Fla., disclosed that he borrowed more than $100,000 to attend the University of Florida and the University of Miami.

Rohit Chopra, student loan ombudsman for the federal Consumer Financial Protection Bureau, during a visit to the UO, admitted that he owes $90,000 for his degree from the Wharton School?s MBA Program.

UO student body President Laura Hinman ? who as a California resident is paying out-of-state fees ? said she expects to graduate with $100,000 in debt, about half in student loans and half in loans from family.

Irmary Reyes-Santos, a UO assistant professor of ethnic studies, still owes $40,000.

?It?s like any debt; you think, ?Well, I?ll have this for 30 years, unless I go into business and make really, really good money and I can make bigger payments,??? Reyes-Santos said. ?The reality is that?s not going to happen. I love my job. I love teaching.?

But Kirk Schueler, a hospital administrator and an Oregon Higher Education Board member, who spoke at the UO graduation this year, advised new graduates to shake off their worry about their student loans.

?You?ll make it through this tough job market as others have before you,? he said. ?You?ll pay off your loans, which for the majority of you is less the amount of a mid-sized car loan, which you might also be taking on soon.?

The Series

TodAY: The sky-high cost of college is forcing young people to fundamentally rethink their goals

Monday: College debt hobbles many recent graduates

Tuesday: College tuition is being driven up by the rising cost of pay and benefits for college employees and declining state aid

Source: http://feedproxy.google.com/~r/rgnews/~3/Ao8SiAmYe7Q/debt-student-college-loans-job.html.csp

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Great Internet Marketing Tips From The Pros! | Eric Chua : Life ...

If you want a successful business, you need to utilize Internet marketing to connect with any potential customers who are online. This article has helpful information to help you become a success through Internet marketing. You will learn what it takes to succeed at Internet marketing.

Keep your content updated. If someone visits your site and the information is outdated, they may assume that the company is not doing well and that it is a waste of time for them to contact you. A well-received and current site is one which will attract more people.

Comments are an excellent resource, even from non-buyers. Adding a form to fill at the bottom of ad copy will allow these visitors to explain why a purchase was not made. There are many reasons people choose not to purchase a product.

TIP! If you are good at writing, write an article about your business and submit it to magazines that accept submissions. Make sure you include your business information and website information in your articles.

Create a website that has informative content and is easy to navigate. Your goal should be to teach your potential customers exactly what you are selling so they understand what and why they should want to purchase your product. Repeat information, fluff and unreliable information should be avoided.

Make effective use of email in your business. When you send emails to your customers, make it newsletter style and interesting. You want your customers to be excited to receive your emails. Your subscribers want to feel like you?re sharing valuable information with them, not spam. Newsletters are a great way to keep people interested even after they?re gone from your site, and make them want to come back.

Video marketing is an excellent way to get the word out about your business and really get noticed. Use keywords in the descriptions and captions to increase the visibility of your website. An interesting title and a unique picture will grab the attention of potential clients and possibly produce sales.

TIP! Think about your customers when making your site and promoting it. Ask yourself if it is easy to navigate.

You can build a client list by using a squeeze page. Its purpose is to solicit email addresses from potential customers. You may even want to offer a freebie or special offer when a visitor shares their email address. People are more inclined to do something for you if you do something for them.

Most cell phone companies can help you set up a ?dedicated business phone number,? which allows your customers to call you on your current device. Get a number specifically for your business.

Present limited time offers. Free shipping or giveaways can increase the traffic that comes onto your page. Make sure that you highlight the end date of the offer to create a feeling of urgency.

TIP! Consider making proposals to other web-based businesses on ways to combine products and offer special deals to your customers. This allows you to link together multiple markets, so that you increase your sales numbers.

Most often you will be advised not to mix business with your home life, but this may qualify as an exception. Because you are in it together, this venture does not create the same stress you feel when you owe someone else money. You should include your spouse in this activity, too.

Create social networks on Facebook or Twitter to target a market. Be careful not to spam people, however, as MySpace has cracked down on such actions, occasionally suing spammers for online harassment.

Most product and service communications can benefit by the use of descriptive terms and phrases that will deliver gratification instantly or near-instant. Your advertisement should emphasize how quickly orders get processed, how fast orders will be shipped and delivered, and the speed at which buyers will obtain results from their purchase. This can be illustrated as speedy downloads, fast and secure purchasing process or even quick confirmations of orders placed online.

TIP! Integrate social media outlets like Facebook and Twitter into your Internet marketing efforts. They help you keep in touch with customers and provide an easy way to advertise.

Make sure the vocabulary you use in your Internet marketing campaign is easy for customers to understand. If you use familiar vocabulary, people will be more likely to reach out to you and feel comfortable about it. Proper word usage goes a long way in representing your business.

Presenting visitors to your website with the option to subscribe to your ezine is an effective marketing technique that can help you build your customer base, particularly if you develop your ezine in a way that helps you establish a bond with your readers. Add family pictures of you to inject personality. Don?t be afraid to share funny or interesting stories from your personal life with your readers. Keep the reader curious by having an eye catching subject line that will grab their attention.

You must use a well-built website on the Internet to increase the visibility of your business. When traditional advertising doesn?t give the needed exposure to your product, marketing on the Internet is a life saver. Use what you?ve just learned, and plan the Internet marketing strategy that meets your needs

TIP! Making sure that your site contains a lot of original and exciting content is one of the best ways to ultimately climb up through the rankings system. This is true for any online retailer that sells similar products with similar product descriptions.

Join me on Facebook:
www.facebook.com/maynaseric

Source: http://www.maynaseric.com/great-internet-marketing-tips-from-the-pros

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Royal Collection buys Warhol portraits of queen

LONDON (AP) ? Britain's Royal Collection Trust has gone Pop Art with the purchase of four famous Andy Warhol portraits of Queen Elizabeth II.

The colorful screenprints are based on a formal photograph of the queen wearing a tiara and necklace that was used during her Silver Jubilee celebrations in 1977.

They will form part of the Portraits of a Monarch exhibit starting in November at Windsor Castle. The purchase was announced Monday, but royal officials refused to say how much was paid for the portraits.

The purchase brings the distinctive style of the American artist to a collection of portraits of British rulers that dates back to the 15th Century.

"They are in a very interesting and contemporary technique that Andy Warhol really popularized, screen printing with wonderfully vibrant colors, in multiples," said Royal Librarian Jane Roberts. "They join a collection dating back 4, 5, 600 years. The fact that they are in a completely new technique is not surprising; things change."

Roberts said the queen had approved the purchase.

"The Warhol prints of the queen are in many ways the most important popular image of the queen to be created by an artist print maker over the last few decades," she said.

Warhol, who died in 1987, was one of the most commercially successful artists of the 20th Century and used similar techniques in portraits of Marilyn Monroe, Jackie Kennedy, and Elvis Presley. He created these images of the queen in 1985 as part of a portfolio of screenprints called "Reigning Queens."

The exhibit will be open to people who visit Windsor Castle, which is roughly 20 miles west of London. It will run until June 2013.

Source: http://news.yahoo.com/royal-collection-buys-warhol-portraits-queen-100727705.html

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The Future Looks Green for Brazil?s Impressive Renewable Energy Industry, Consider GBI Research Analysts

Brazil will continue to prove its commitment to renewable energy in the future by promoting investment across its alternative power sectors. The increasing demand for electricity in this rapidly expanding South American economy is driving up the country?s cumulative installed capacity ? but Brazil will continue to rely on eco-friendly power generation to support expansion, reports the new study "Renewable Energy Market in South and Central America to 2020 - Clean Development Mechanism Projects and Climate Financing to Increase Renewables Share in the Energy Mix" developed by GBI Research.

Report Details:

Renewable Energy Market in South and Central America to 2020 - Clean Development Mechanism Projects and Climate Financing to Increase Renewables Share in the Energy Mix
Published: September, 2012
Pages: 177
Price: US$ 3.500,00

The report finds that Brazil?s total cumulative installed capacity in 2011 was 120,553 Megawatts (MW), with a massive 80% represented by renewable energy (if large hydro is included). Approximately 70% of this was accounted for by hydropower, while other alternative power sources, biomass, wind, solar photovoltaic (PV) and small hydro, made up 10% in total. Excluding the substantial large hydropower sector, Brazil?s renewable installed capacity is expected to leap from 13,260 MW in 2012 to 38,015 MW by the end of the decade, climbing at a Compound Annual Growth Rate (CAGR) of 14%.

Proving one of the fasted growing energy sources in Brazil?s energy mix is wind. Although contributing a relatively meager 2,769 MW to Brazil?s total installed capacity in 2012, the government?s plans to take advantage of the untapped offshore market could see the this portion reach 19,420 MW by 2020. Although it only operates onshore wind farms at present, Brazil aims to capitalize on the South?s strong offshore gales, boosting both wind power?s installed capacity and its popularity with investors.

GBI Research predicts the county?s solar PV market to display the most explosive growth in Brazil?s renewables industry, albeit from a much smaller foundation. Growing at a massive CAGR of 59%, the solar PV sector is forecast to climb exponentially from an installed capacity of 31 MW in 2012 to 1,276 MW in a period of just eight years.

More information can be found in the report ?Renewable Energy Market in South and Central America to 2020 - Clean Development Mechanism Projects and Climate Financing to Increase Renewables Share in the Energy Mix? by GBI Research.

To order the report or ask for sample pages contact?ps@marketpublishers.com

Contacts

MarketPublishers, Ltd.
Tanya Rezler
Tel: +44 208 144 6009
Fax: +44 207 900 3970
ps@marketpublishers.com
MarketPublishers.com

Source: http://marketpublishers.com/lists/14595/news.html

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Tuesday, September 25, 2012

Related Post Articles on health care reform

Monday, September 24, 2012