Saturday, June 30, 2012

U.S. "Genius" visa attracts entrepreneurs and Playmates

SAN FRANCISCO (Reuters) - Shera Bechard, the Canadian-born former girlfriend of Playboy Enterprises founder Hugh Hefner, would not be an obvious candidate for the special visas that the U.S. government reserves for "individuals with extraordinary ability."

Playboy magazine named Bechard Miss November in 2010, and she also started an online photo-sharing craze called "Frisky Friday." Neither seems quite on the level of an "internationally recognized award, such as a Nobel Prize," which the government cites as a possible qualification.

But Los Angeles immigration lawyer Chris Wright argued that Bechard's accomplishments earned her a slot. The government ultimately agreed.

That kind of success has put Wright on the map as the go-to visa fixer for both Hollywood and Silicon Valley. It also highlights the use of so-called genius visas known as O-1s and EB-1s, which have largely escaped political controversy and are now the immigration solution of choice for many entrepreneurs.

[Related: 102-year-old man becomes U.S. citizen]

As many immigration lawyers see it, the paucity of immigration options for the most entrepreneurial foreigners mean they must use any avenue they can. This approach, along with seeming flexibility in Washington on what constitutes "extraordinary ability," means the O-1 is gaining traction in technology circles. Wider use could ultimately land it in political trouble.

For example, the H-1B visa, which allows employers to hire foreigners temporarily in certain specialized fields like technology, has drawn accusations from union groups and others that companies use it to bring in lower-skilled labor.

The O-1 visa allows individuals of "extraordinary ability" to come to the United States for up to three years, and can be extended. British journalist Piers Morgan used one when he replaced Larry King on his late-night TV show, Wright said.

The EB-1 is similar, but leads to a green card and permanent residency rather than a temporary stay, with "extraordinary ability" being one of the ways to qualify - along with being an outstanding professor or researcher, or a multinational executive.

[Related: Ariz. implements immigration law as feds push back]

Foreign entrepreneurs have another option - the Immigrant Investor Program, or EB-5 visa - but it requires a capital investment of at least $500,000 and the creation of at least 10 full-time jobs for U.S. workers.

By contrast, no proof of personal wealth or investment in the United States is required for the O-1 or the EB-1.

There is also no cap on the number of O-1s that the government can award each year; about 12,280 were approved in 2011, U.S. Citizenship and Immigration Services said, up from 9,478 in 2006. It issued about 25,000 EB-1s last year, below their cap of 40,000.

The H-1B is much more popular. Applications hit their annual cap of 85,000 earlier this month.

FALLBACK POSITION

While high-profile artists and entertainers have long used the O-1s, they are now becoming a fallback for businessmen and technologists who cannot get H1-Bs.

Josh Buckley, a 20-year-old British-born entrepreneur and a client of Wright's, is among the new crop of Internet entrepreneurs to win an O-1 visa. He applied after starting a few small companies, including one he sold at age 15 for a sum reaching the low six figures, he says.

He got his O-1 last year after lining up letters of recommendation from luminaries including Netscape co-founder and venture capitalist Marc Andreessen and Apple Inc co-founder Steve Wozniak.

Buckley, whose MinoMonsters gaming company is backed by Andreessen, saw little choice other than the O-1. The H-1B was off limits because it usually does not go to people who work for themselves. The O-1, unlike most H-1Bs, also does not require a college education--a key feature for the ever-younger entrepreneurs flocking to Silicon Valley.

[Related: Six things to know about U.S. immigration]

Except when it comes to the O-1, visa officials "just don't understand the concept of someone being skilled without 12 years of experience or a bachelor's degree," says John Collison, a 22-year-old Irishman. He dropped out of Harvard University to work on Stripe, the payments company he co-founded with his brother, Patrick.

Like Buckley, he met Wright through the prestigious Silicon Valley start-up incubator known as Y Combinator. He won his O-1 in December 2010 and now has permanent residency status-- as does Buckley.

Wright, himself a South African immigrant, dismisses the notion that some of his clients might not rise to the level of "extraordinary ability."

"There's nothing in those regulations that requires you to be a genius," he says. "It's quite condescending to say, ?Oh, the idiot Playboy Playmates, they don't qualify.'"

At the end of 2010, Bechard posted the first "Frisky Friday" photo on the Twitter microblogging service. Now young women all over the world tweet scantily-clad pictures of themselves on Fridays, with Playboy selecting a weekly winner.

Immigration officials "want to give (a visa) to someone who shows business skills," Bechard says. She also threw in such qualifications as her role as a mute Russian in a 2009 movie, "Sweet Karma," which won her a best actress award at the cult Fantastic Film Festival in Austin, Texas.

QUALIFICATION QUESTION

Many of Wright's young technology clients have had limited time to show they have "risen to the very top of the field of endeavor," as O-1 regulations state.

But quality rather than longevity is the key, Wright says. USCIS rules require extraordinary ability -- demonstrated by "sustained national or international acclaim" -- that he says his clients can prove with awards and testaments from leading players in their field.

The visas are "a lot of work," he said. "You can't just crank them out at high volume."

Asked about how it decides to grant O-1s, a U.S. Citizenship and Immigration Service spokeswoman said: "USCIS decides each benefit request on a case-by-case basis relying on the law and evidence provided for that case. There are a variety of factors that influence the number of visa applications received and approved from year to year."

Wright says he hopes that one day, immigration reform will make it easier for talented immigrants, especially entrepreneurs, to come to this country. That is a widespread goal in Silicon Valley, where immigrant entrepreneurs have helped start many leading companies. Google Inc co-founder Sergey Brin, for example, came to the United States from the Soviet Union when he was a child.

The immigrant entrepreneurs say that far from taking away jobs, they are creating them by founding companies that may go on to employ hundreds or even thousands of people.

They have managed to find allies even among the harshest critics of H-1Bs.

"The O-1 is one of the few visas we support," said Kim Berry, a spokesman for the Programmers Guild, which favors the suspension of the H-1B program. "When they need to bring in the best and the brightest and the entrepreneurs, that's the only visa that helps America."

Indeed, efforts to make it easier for educated and enterprising foreigners to stay in the United States generally enjoy bi-partisan support in Washington. The complicated status of the immigration issue as a whole, though, has blocked any changes.

"The issue is pretty well understood," said Steve Case, the founder of AOL and now head of the venture capital firm Revolution LLC. "But there is this skepticism around the politics of immigration."

Thus the O-1 will probably remain a key channel for many immigrant entrepreneurs - and it does carry some additional side benefits.

British-born Scott Allison, co-founder of a software company called Teamly, was returning to the United States earlier this month and enjoyed a rare welcome from customs officials after they caught a glimpse of his new O-1 visa.

"'Wow, you must be really awesome,'" he recalls one commenting before waving him through. "I'm like, 'Gee, thanks.'"

(Reporting By Sarah McBride; Editing by Jonathan Weber and Lisa Von Ahn)

Playboy Has Some Famous Faces Returning To The Cover:

Source: http://news.yahoo.com/u-genius-visa-attracts-entrepreneurs-playmates-051239990--sector.html

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CAIRN ENERGY SELLING 3.5% OF INDIA BUSINESS: Sources - Reuters

06/28/2012 | 08:53pm US/Eastern

Cairn Energy PLC (CRNCY) plans to sell 66.8 million shares, or 3.5% of its former unit Cairn India, the Reuters news agency reported Thursday on its website, citing two unnamed sources with direct knowledge of the matter.

One of the sources said the company was selling around 66 million shares in the range of INR307.40-INR317.50 ($5.41-$5.59) each, valuing the deal at around $365 million, the report said.

The order book deal will open Friday, with Citigroup Inc. (C) as the book runner, the sources said in the report.

Full Story: http://www.reuters.com/article/2012/06/28/cairnenergy-cairnindia-stake-idUSL6E8HSKO820120628

Source: http://www.4-traders.com/CAIRN-ENERGY-PLC-9971192/news/CAIRN-ENERGY-SELLING-3-5-OF-INDIA-BUSINESS-Sources-Reuters-14392225/

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Friday, June 29, 2012

The Giant Breitbart Awakes (Little green footballs)

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'Miss Holocaust Survivor' crowned in Israel

Menahem Kahana / AFP - Getty Images

Contestants stand during a beauty pageant for Holocaust survivors in the northern Israeli city of Haifa on June 28, 2012. The winner, Hava Hershkovitz, is on the right.

The Associated Press reports ??Fourteen women who lived through the horrors of World War II paraded on stage Thursday night in an unusual pageant, vying for the honor of Israel's first 'Miss Holocaust Survivor'. The unusual event was hosted by an Israeli group that aids Holocaust survivors. Around 20 women, all in their 80s and 90s, told the audience their life stories.?

"I have the privilege to show the world that Hitler wanted to exterminate us and we are alive. We are also enjoying life. Thank God it's that way," said Esther Libber, a 74-year-old runner-up who fled her home in Poland as a child, hid in a forest and was rescued by a Polish woman. She said she lost her entire immediate family.

Billed by organizers as a celebration of life, the event also stirred controversy. In a country where millions have been touched by the Holocaust, many argued that judging aging women who had suffered so much on physical appearance was inappropriate, and even offensive.?Read the full story.

Abir Sultan / EPA

Holocaust survivor Genia Schwartz-Bardt, 89, has her hair made up before the Holocaust Survivor Pageant.

Menahem Kahana / AFP - Getty Images

Pageant contestant Mania Herman, 87, dances during the event.

Sebastian Scheiner / AP

A man sends a kiss to Holocaust survivors participating in the pageant.

Abir Sultan / EPA

Winner Hava Hershkovitz is kissed after her victory.

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Source: http://photoblog.msnbc.msn.com/_news/2012/06/28/12465576-miss-holocaust-survivor-crowned-in-israel?lite

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New Settlement Apartments: Education Counselor, College Access Center

New Settlement Apartments

Posted: 06/27/12

Description
PROGRAM DESCRIPTION: The College Access Center provides one-to-one educational counseling services and targeted workshops focused on college options, in a community-based setting, to 1,400+ teens each year, including 250 high-school seniors and young adults who complete the college-application process and enter college from our SW-Bronx community, with good retention. All programs are designed to assist neighborhood youth and young adults in overcoming barriers to higher education, staying on track through high school & taking the steps necessary to gain admission to college with financial aid.

Responsibilities:
POSITION DESCRIPTION The full-time education counselor will plan and conduct one-to-one college-counseling sessions; facilitate educational workshop series; develop and conduct orientation sessions for parents; work with the director on outreach to community members and organizations; build partnerships with diverse educational institutions and organizations; conduct student intake, staff group trips to college campuses; maintain records on students? involvement in the program and their progress toward educational goals; and support program alumni who are now in college to stay on track toward graduation. The counselor will be supervised by the College Access Center Director. The Center staff includes additional counselors, part-time teachers, and volunteers whose goal, as a team, is to expand the cohort of college-bound teens ? and college graduates ? in our Southwest Bronx neighborhood, where only 9.8 percent of adults over age 25 have a bachelor?s degree or higher.

Qualifications:
EDUCATION, SKILLS AND EXPERIENCE REQUIRED: Previous experience in community-based youth development, education and/or social work with a focus on youth work, higher education or other directly-relevant field. B.A., B.S. required; at least two years of teaching, related training and/or counseling experience highly desirable. Strong commitment to strengthening a program and an environment that supports the academic achievement and access to higher education of youth and adults of low income, immigrants and others who will be the first in their families to attend college. English/Spanish bilingual skills are a +. Familiarity with NYC public schools, especially middle and high schools is a plus. HOURS: Weekdays, 10- 6pm + some nights and Saturdays.

SALARY AND BENEFITS: Annual salary range is low $30,000s, negotiable, depending on experience. New Settlement offers a comprehensive benefits package, including 401(k).

HowTo Apply:
TO APPLY: Mail cover letter, resume, and list of three professional references to EMAIL ADDRESS nsajobs@aol.com. EMAIL SUBJECT LINE: ?CAC Ed Counselor,? or to CAC Staff Search, New Settlement College Access Center, 1563 Walton Avenue, Bronx, NY 10452. No faxes, please. Applications will be reviewed as they are received; this position is available immediately. EEO/AA.

About Organization:
OVERVIEW OF NEW SETTLEMENT APARTMENTS: We are a non-profit, mixed-income housing and community- service organization with a 22-year track record of active commitment to neighborhood revitalization, community building and organizing, and positive youth development. Our community services currently provide year-round educational, cultural and recreational programs and social services to more than 5,400 youth and adults who live in the surrounding SW Bronx area. New Settlement?s College Initiatives include programs that support college access, college persistence and college success for youth in our community. The College Access Center anchors this growing portfolio of programs.


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PST: Spain ousts Portugal in PKs to reach final

source:

Cesc Fabregas beats Rui Patricio in Wednesday?s shootout, sending Spain past Portugal into Euro 2012?s final. (Getty Images)

Man of the Match: Sergio Ramos has always had the potential to be a world class center half, but having spent much of his career as a right back, the Real Madrid defender made his reputation on his ability to lock down the right flank. Today, he added another line to that resume, serving as clean up man against a Portuguese team that had a number of chances chances to flash their counterattacking prowess. Opta credits Ramos with a team-high seven clearances, five of them of the effective/influential variety. Ramos was also second on the team with 80 successful passes, hitting at an 89 percent clip.

NBC Sports: Spain tops Portugal in shootout to make Euro final

Packaged for takeaway:

  • Prematch, Vicente del Bosque threw us (and Portugal) a curve ball that never really broke. Despite not cracking the starting XI for any of Spain?s first four games, Sevilla?s Alvaro Negredo got the start at striker, relegating both Fernando Torres and Cesc Fabregas to the bench. Despite Spain going two hours in search of a goal, Torres never took his track suit off.
  • The logic? Perhaps the physically stronger Negredo would hold up better against bruising Portugal duo Pepe and Bruno Alves (Alves affirmed his bruising?tendencies?by four times going up and through the back of Spanish forwards ahead of aerial challenges).
  • There was one instance where the Negredo logic seemed to work. In the 29th minute, a long ball out of the defense found Negredo deep in the right of Portugal?s area. Holding up play, Negredo eventually found Xavi Hernandez, who played to the left to Andres Iniesta, who put a 16-yard shot out of play.
  • Portugal?s performance was the biggest reason Spain wasn?t able to better utilize Negredo. Implicitly disagreeing with the Blanc Doctrine (France?s coach implying Spain demands major adjustments because of the amount of time you?re without the ball), Paulo Bento?s surprisingly team played with more ambition than they did in the tournament opener against Germany (and, arguably, any opening 15 minutes this tournament).
  • They didn?t sit back. They came out and met Spain on the ball and only rarely allowed the holders? quick passing game to get through their line. At halftime, Portugal?s possession number was in the mid-40s and would finish at 43.
  • Another close number at halftime: Chances. Neither team had any. Spain saw a couple of Iniesta shots fail to test Rui Patricio, while Portugal?s best chances came from crosses eventually swallowed up by Iker Casillas.
  • This wasn?t your normal?No goals, no shots, but Spain has control, and it?s only a matter of time?game. Portugal was not only on even footing with the champions, but there was a feeling that the match was being played on their terms.
  • Perhaps that?s why del Bosque was the first to make major changes. Negredo was off ?in the 54th, giving way to Fabregas. Six minutes later, Jesus Navas came on for David Silva. The changes made Spain more dangerous, with Fabregas combining with Iniesta to start puncturing the Portuguese defense, but by the time Pedro Rodriguez came on for Xavi (80th minute), it was clear Spain needed more than just new personnel.
  • The big question: Xavi? Why was Xavi Hernandez coming off? Perhaps it was a fitness concern, with Vicente del Bosque skeptical his best playmaker could make it to minute 120. It?s just curious to see Silva (who?d had a decent game) and Xavi come off while Xabi Alonso ? who?d had little to meaningfully do ? stayed on. Why del Bosque can?t, no matter the scenario, get away from playing two deep-lying midfielders?
  • Portugal held off on their changes until late in the half before an obligatory substitution, bringing on Nelson Oliveira for Hugo Almeida. Just as in the first half, it seemed the half played out as they wanted, with a 90th minute chance for Cristiano Ronaldo?nearly sending Portugal through:
    • Spain drew a foul 35 yards out on the left flank, the inswinging restart cleared out to Raul Meireles, who broke Portugal into the counter. He found Ronaldo on the left, who was able to set up an open chance for himself at 15 yards out. His left-footed shot was skied into the crowd, sending us to extra time.
  • After full time, Spain seemed to realize how close they were cutting things. Come minute 91, they took full control of the match. It wasn?t typical Spanish work you `til you wilt control. It was a more measured, deliberative response.
  • In the 104th minute, the approach paid off with the best chance of the match. Building down the left, Spain got to the line and cut a ball back to Iniesta, six yards out at the near post. He redirect was saved by Patricio.
  • By the time the second extra period started, Portugal had regressed into a much more passive stance. They were allowing Spain to keep the ball, more concerned about containing their opponents than regaining possession. For 15 minutes, we saw the match we had expected before kickoff.
  • Spain got one more chance before kicks. A throw-in down their left saw play move across the middle for Jesus Navas, who worked ?with Alvaro Arbeloa to break down the left side of Portugal?s defense. Eventually, Navas had a shot from 12 yards out to the right of goal, Patricio?s right hand blocking a ball headed far post.
  • Spain had five shots and created four chances in extra time. Portugal: Zero and zero.
  • Penalty kicks:
    • Xabi Alonso went first, with a kick to the right of goal saved by Rui Patricio.
    • Joao Moutinho, first for Portugal, had his shot to the left saved by Iker Casillas.
    • Andres Iniesta was the first to score, going right after sending Patricio left. It was the only kick on which Patricio guessed wrong.
    • Pepe pulled Portugal even, side-footing a ball inside the left post, beating a driving Casillas.
    • Gerard Piqu? restored Spain?s lead, skipping a shot over Patricio, who had correctly guessed left post.
    • Bruno Alves looked to go next, but Nani quickly came and took his spot, the order temporarily confused. Putting into the top-left of goal as Casillas dove right, Nani made it 2-2.
    • Sergio Ramos chipped a ball high into the right of goal, over Patricio, putting Spain back in front: 3-2.
    • Now it was Alves? turn, with Cristiano Ronaldo apparently set to do fifth. If Alves missed, however, Ronaldo may never get to kick. Going for power, Alves hit the cross bar, leaving Cesc Fabregas in control of the match.
    • Fabregas nailed a perfect kick off the inside of the left post, leaving a moment?s doubt as to whether it would stay in. The ball rolled along the inside of goal, into the right side netting, by then well inside the goal. For the third time in a row, Patricio guessed right, but for the third time in a row, Spain scored, winning the shootout 4-2.
  • Though Spain was the slightly better team on the day, it wouldn?t have been unjust to see either team go through. But for Portugal to go out before Ronaldo kicked leaves a huge what if. It?s strange, because there?s no reason to think Alves wouldn?t have missed his kick had he gone fifth, but when you leave a tournament, you never want to feel like you could have done something else. Even if this something else is born from superstition, it?s still there.
  • Had Portugal won, Pepe would have been the clear Man of the Match. Mats Hummels? exploits have drawn more attention because (amazingly) he was still unknown to most before this tournament. He also is a more skilled than more central defenders and thus is more apt to open eyes. But Pepe has been the best defender of this competition, having given multiple dominant defensive performances. He remains in the discussion as the world?s best defender (when he?s on the field), a status Pepe re-affirmed on Wednesday.
  • Spain moves on to their third straight major tournament final having likely transcended their most difficult obstacle. True, Germany may be a better team than Portugal, but as we saw today, Portugal was a good stylistic match against Spain. But Spain survives, moves on, and now awaits the winner of tomorrow?s Germany-Italy showdown.

ProSoccerTalk is doing its best to keep you up to date on what?s going on in Poland and Ukraine.?Check out the site?s Euro 2012 page?and look at the site?s previews, predictions, and coverage of all the events defining UEFA?s championship.

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SC's immigration law may be constitutional for now, but is it smart ...

Arizona?s immigration law was found generally constitutional this week by the U.S. Supreme Court, though we?re still waiting for a federal judge to rule whether South Carolina?s similar law racially profiles Hispanics.

But regardless of whether the Palmetto State?s draconian immigration policy is ruled legal, does that make it a good idea?

?In these economic times, we simply can?t afford to play around with hateful policies, and it?s better for all when we have welcoming communities rather than those that marginalize and exclude,? writes Maryanne Sinclair Slutsky for Newsday. ?The Supreme Court determined the constitutionality of the ?papers, please? provision of SB 1070, not its wisdom.?

A study released by the Center for American Progress last year showed that removing Arizona?s undocumented immigrant population by either deportation or fear of retribution by law enforcement would do a great deal of harm to the state?s economy, and we can use that as a baseline to show the effect a similar action would have on South Carolina?s economy as well.

About 445,000 undocumented immigrants were living in Arizona as of 2008, according to Pew Hispanic Center data. That year, Arizona?s undocumented workforce added more than $42 billion to the state?s economic output ? the total value of all goods and services produced in the economy. Much of that economic benefit came as tax revenue, with undocumented workers contributing an estimated $2.8 billion in total taxes to Arizona?s economy, including nearly $1.8 billion in sales tax revenue alone.

In fact, the output and spending of just undocumented workers generated 581,000 Arizona jobs in 2008 ? something legal residents can appreciate as well.

The Pew Hispanic Center estimated that only 55,000 undocumented immigrants were living in South Carolina as of 2010, or about 12 percent of the size of Arizona?s population. Still, adding 12 percent of $42 billion to South Carolina?s economy is no small amount (it?s $3.4 billion, to be exact) in a state that is still struggling more than others to recover from the ongoing recession.

By contrast, the Center for American Progress found that mass deportation of undocumented workers means mass income losses for the state. The Washington, DC-based think tank estimated that Arizona?s gross state product would be reduced by $48.8 billion if all undocumented workers driven from the state, nearly 20 percent of the state?s economy. Meanwhile, according to estimates, overall employment in Arizona would drop by nearly 17 percent.

?Operating for an extended time with a depleted workforce may mean the difference between keeping the doors to the business open or shutting them for good,? the study?s authors write.

Palmetto Public Record has previously examined how the immigration law is already starting to hurt South Carolin?s tourism and agricultural industries, which happen to be the two biggest economic drivers in the state.

?These people don?t cause any trouble, they just come here to work,? a Charleston County vegetable grower said after having to burn a quarter of his tomato crop because he had no labor to pick it.

The Center for American Progress study also found that legalizing Arizona?s undocumented workforce would add 261,000 jobs to the state?s economy and increase tax revenues by $1.7 billion. And while it?s understandable for many to be skeptical about blanket amnesty for illegal immigrants, one thing is clear. Kicking them all out of the state will do nothing to solve South Carolina?s economic difficulties, and may even make them much worse.

Related posts:

  1. Immigration law?s effects on SC tourism are only half the story
  2. Supreme Court?s immigration ruling could have ?chilling effect? on SC law enforcement, violent crime victims
  3. On SC?s immigration law, it looks like we told you so
  4. Poll: SC split on economic conditions, but (surprisingly) not global warming
  5. SC economic growth lags behind national average

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Thursday, June 28, 2012

Maintain Hygiene For Home Improvements | Home Improvement On ...

Home improvement seems to be a very important thing for you. Remodeling a house can leave you the room dirt. Maybe you will think how to keep your home in a clean condition when the work is being done. Do you have to remove all the items in your home?. Of course not. Suppose you?re fixing the bathroom, you do not have to remove the carpet.

You can visit a variety of home improvement stores to get the plastic sheeting products. If you are dealing with a carpet, then you should choose the used plastic sheeting to protect carpets. They will help protect your carpet from the dust generated when doing home improvement.

You must be smart to choose a plastic tarp, because they had some kind. If you have small children, we recommend that you choose has the tarp adhesive. So your child will not stumble, and your carpet remains in clean condition.

Maybe you?ll spend up to $ 20 to get the plastic sheeting. They can be stored for future projects. After you are finished making home improvement, then you can immediately fold and store. Adhesive of plastic sheeting that will leave a residue. You have to clean it. The best way to clean it is to do the vacuuming of these residues.

home improvement and plastic sheeting Maintain Hygiene For Home Improvements

Original Post In >> HomeImprovementBiz.com >> Maintain Hygiene For Home Improvements

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  • siding materialsBuying Siding for Your Home
    Siding is something that is important for exterior house, it will reflect the look of your home. If you have a house built in the 1970?s or you move into a house built in that year or a little older, maybe you will find irregularities such as damage caused by weather changes. It also includes
  • bathroom mirrorsHow to Design Bathroom Mirrors
    Bathroom Mirrors ? In general, you can create a mirror, you know, and to measure. Instead of going to the store and buy the bathroom mirrors, the more expensive, your use of materials from home or products found on the design of the bathroom mirrors. It should help. How Often To Find a Bathroom Mirrors
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    Most electric water heater uses the same storage tank. It is not like the type of tankless water heaters. Problems arise on many water heaters. On this occasion, home improvement will try to give an explanation on how to repair the water heater. Problems that arise and repair to the water heater Problems that often

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Wednesday, June 27, 2012

Personal Loan Supporting Your Needs Financially

Personal Loan ? Supporting Your Needs Financially

?

Personal loan or individual loan is one of the financial supports sustained by bank to the customers/applicants in respect with their personal expenses. From the introduction to till now, the personal or individual finance has created its unblemished reputation across the world including India. A huge number of people take resort to personal/personal finance during the time of urgent monetary conditions. Hence, this loan is construed as the financial bulwark in odd financial times.

Banks personal loans have been popular because of so many features and benefits involved. One of the benefits that noticeably conspicuous is the immediate financial assistance that you get from the bank. In other words, the personal/individual loan is acquired of followed by hassle free documentation and flexible eligibility requirements. Virtually all the banks in India have the same and identical formalities regarding acquisition of the loan.

Two of the most important eligibility requirements are income and credit score of the applicants. Sometimes, some banks also consider repayment capacity of the applicants but more often than not that repayment capacity is determined on the basis of income that a particular applicant earns out of job employment or business venture. Therefore, if you are a good income earner, there is always a fair chance of getting your personal loan application approved.

Personal loan from the bank should always been your priority in case you fall into difficult financial situation. We know that people require monetary assistance for their different types of needs and with the help of such financial assistance; one can help out reduced stress of financial difficulty to a greater extent. With amplitude of the banks available in the country, there is always a golden chance for the prospective loan-seekers to choose their personal or individual finance from any bank. However, the online search is recommended to choose one of the best banks regarding acquisition of the individual finance.

The online comparison of personal or individual loan offers of few banks will rationalize your concept of choosing a right loan product. Since there are many banks or financial organizations that offer such type of financial assistance, it is good to choose a good one, and the Internet will help you a lot to narrow down your quest in this regard. One more thing to understand is before choosing your loan; you should prioritize your need.

You should understand that a personal or individual finance can only be taken if you really need it. You should avoid thinking that feasibility of such finance gives you an opportunity to take it without needs. You are liable to repay the loan as well. Hence think your need properly.

Prepayment Charges on Personal Loan

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USATF draws scrutiny with no plan to settle tie

Carmelita Jeter and Allyson Felix compete in the women's 100m semi finals at the U.S. Olympic Track and Field Trials Saturday, June 23, 2012, in Eugene, Ore. (AP Photo/Eric Gay)

Carmelita Jeter and Allyson Felix compete in the women's 100m semi finals at the U.S. Olympic Track and Field Trials Saturday, June 23, 2012, in Eugene, Ore. (AP Photo/Eric Gay)

This Saturday, June 23, 2012, photo provided by USA Track & Field shows the third-place finish of the women's 100-meter final from a photo-finish camera, shot at 3,000-frames-per-second, during the U.S. Olympic Track and Field Trials in Eugene, Ore. Allyson?Felix and Jeneba Tarmoh, in foreground, finished in a dead heat for the last U.S. spot in the 100 to the London Games, each leaning across the finish line in 11.068 seconds. (AP Photo/USA Track & Field)

Allyson Felix leads a women's 100m preliminary heat at the U.S. Olympic Track and Field Trials Friday, June 22, 2012, in Eugene, Ore. (AP Photo/Eric Gay)

Allyson Felix leads a women's 100m preliminary heat at the U.S. Olympic Track and Field Trials Friday, June 22, 2012, in Eugene, Ore. (AP Photo/Charlie Riedel)

(AP) ? Justin Gatlin would pick a runoff, reluctantly. So would Maurice Greene, who would do a coin toss as a last resort.

Everybody has an opinion ? even Olympic gold medalists ? about USA Track and Field's hastily unveiled options for breaking a third-place tie between Allyson Felix and Jeneba Tarmoh, who finished in a dead heat in the 100-meter final at last weekend's Olympic trials.

On Tuesday, three days after they raced, USATF still has no idea when it will be resolved.

The sprinters have until Sunday, when the trials end, to decide if they want a runoff ? a winner-take-all race to break the tie ? or a flip of a coin to determine who gets the last spot on the London-bound team. One of them can simply bow out, too.

"I honestly can't tell you why a protocol wasn't in place," USATF President Stephanie Hightower said. "No one ever thought through it. The likelihood of it happening didn't cross anybody's minds."

Surprising, since this has happened before ? to Hightower, no less.

At the 1984 Olympic trials, she finished in a three-way tie for second place in the hurdles. A grainy photo was used to break the tie and she was the odd person out, failing to earn a spot.

"There's no question that everyone was caught off guard," Hightower said. "At least this gives us the motivation to look at our bylaws and competition rules to see if there are any other gaping holes we need to shore up before the next big championship or Olympic trials."

That doesn't exactly help Felix and Tarmoh now. They will compete in the 200 meters and after Saturday's final, if both make it, decide what to do next. The trials went on a two-day break Tuesday and will resume Thursday.

The fear for Bobby Kersee, who coaches both athletes, is that perhaps this cloud will adversely affect his sprinters in the 200. He hinted they may announce a resolution to the dilemma sooner than Saturday.

"It's a unique situation and we still have plenty of time to figure it out," Kersee told The Associated Press late Tuesday night. "Anytime you have a situation like that, you have to come up with different solutions. We're all talking, the athletes are talking, USA Track and Field is talking, in terms of coming up with a solution.

"It's just so the athletes can step on the track Thursday, knowing they can focus on the 200 meters and then deal with what we have to deal with after that."

So far, the women have been pretty much mum on the matter. Their teammates have not.

"As an athlete, this worries me," said Gatlin, who won the 100 last weekend, but will skip the 200. "Because no one knew about this loophole in the system.

"To run the 100-meter final at the Olympic trials and for it to be decided on a coin toss? It blows my mind."

So does a runoff.

"Your coach trains you for three rounds, for six rounds if you run the 100 and 200, and not an extra round. That's looked at as more of a sideshow," Gatlin said. "These ladies should have the respect for someone to say to them, 'Hey, you know what? There should've been a better (system) in place.'"

If left to Greene, an Olympic gold medalist in 2000, he would pick runoff. Maybe.

"That's why you have a coach," he said. "If he said (coin flip), I would have to do that."

As it is, both are eligible to be selected to the Olympic 400-meter relay team. So are Carmelita Jeter, who won the 100, and runner-up Tianna Madison.

There has been some scuttle that perhaps Felix is waiting to see how she fares in her signature event, the 200, before reaching any decision. Should she earn a spot in the 200 and Tarmoh doesn't, Felix might just surrender the 100 spot to her training partner.

"It's noble, but I'm not giving anything up," Greene said. "I fight for everything. Nothing in life is given to you. You have to take everything you want and you have to work for it."

He has a solution ? a made-for-TV special. No other events, just these two women on the track.

"Tell NBC to give them $2 million and have a runoff," Greene said. "Then they'll do it for sure. If they have a runoff, do you realize how much money there's going to be."

Maybe that would work if they weren't already coming off a grueling competition schedule. Kersee is concerned about the possibility of injury, since there's really no rest for either athlete.

The Olympics, after all, are on the line.

"You've come this far. I would gut it out," Gatlin said. "I would run. ... It would bring more excitement to track and field, to have a runoff."

In every other sport, there's some sort of carefully spelled-out tiebreaker in place.

In swimming, deadlocks are settled with swim-offs between the two opponents.

Gymnastics released its revamped tiebreak procedures so it doesn't have a repeat of the debacle in Beijing, where it practically took a NASA physicist to decipher the complicated formula that settled the gold medal on uneven bars. Now the execution mark will be the big deciding factor, and there is the possibility of sharing medals.

Odds of that happening are rare.

Still, it's a plan.

"You're always going to have your haters and your critics," Hightower said. "That goes with the territory. I think we've been responsible, responsive and we've been thoughtful. If this is a way to educate people about our sport, I'll take good with bad."

In a society that craves everything in an instant, the 100 is the ideal race.

Sprinters blaze down the track, lean at the finish line and look up at the giant scoreboard, where the times and places instantly pop up.

Even high-tech cameras couldn't break Saturday night's dead heat in a sport that's long relied on technology. Unlike baseball, which is slowly turning to video replay, track uses images to help sort things out.

But in this case, the image from the outside camera was inconclusive for determining the finish because both runners' arms obscured their torsos ? a key consideration in determining the finish.

The image from the inside camera, shot at 3,000 frames per second, was analyzed by timers and referees, who declared the tie.

"We might even look at where we put cameras in the future," Hightower said. "Now that we've had this incident, it will give us the motivation, for us to do our due diligence to look at things.

"I want to make sure that both (Felix and Tarmoh) walk away from this knowing that there was a fair process in place and they had input into it. They can walk away and feel like we haven't done anything to harm them and their ability long term."

___

AP National Writer Nancy Armour contributed.

Associated Press

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