What Kind of Retirement Income Is Right For You? | Retirement ...

The vast majority of people who have planned for retirement use a combination of their options to live on once they retire.

But how do you figure out which are right for you? That depends on several things. Following is a list of considerations to keep in mind when trying to determine what kind of income you want coming to you during your retirement years.

1. When you start planning for retirement.?

If you start in your twenties or thirties and invest toward retirement consistently and frequently, you can plan on receiving a passive income from such products as annuities, mutual funds or (if you make enough) savings.

However, if you ignore retirement until you are in your fifties, you will probably need to plan on working part-time after you retire from your full-time career.

2. Your willingness to take risks.

If you are extremely conservative, annuities would be the way to go. If you can handle the fluctuation of the stock market, mutual funds will bring you a higher retirement income. If you enjoy taking larger risks, perhaps you want to include Real Estate as part of your portfolio.

3. The standard of living you want after retiring.

If you want to retire to southern California or New Hampshire or to Europe, you will need to be more willing to make risks with your investing. Why? Such areas are more expensive to live in, and socking away money in a bank account will do little to help you meet this goal. You will need a higher retirement income than if you decided to live in Arizona or Kansas.

4. The lifestyle choices you will make.

Are you going to live in a rural area and be a homebody, or live in a city retirement community and travel the world every year? Generally speaking, the more money you want to be able to spend after you retire, the less conservative your investments will be. You may also be more inclined to try to grow a business in multi-level marketing before you retire.

To sum up, the options you select for retirement income depend on your vision of life during your senior years.

Learn more about increasing your retirement income at more-retirement-income.com.

Source: http://phonesb.com/retirementplanning/what-kind-of-retirement-income-is-right-for-you/

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The Communications Network ? Communications Officer-W.K. ...

Location:
Battle Creek, Michigan

The Organization:
The W.K. Kellogg Foundation (WKKF) is the nation?s fifth largest foundation and a leading philanthropic foundation partnering with communities to create the conditions vulnerable children need to be successful in school and in life?communities.

In recent years WKKF has sharpened its focus on improving conditions for vulnerable children, concentrating on key factors of success and programmatic intersections across Education & Learning; Food, Health & Well-Being; and Family Economic Security in carefully identified communities.

WKKF embraces working within its place-based strategy. Employees engage at an eye-level with communities and have found that this maximizes impact and provides insight into what grantees and the foundation are hoping to achieve. By putting a strong emphasis on sharing this learning across the foundation and with the outside world, WKKF ensures that its investments also have impact well beyond the specific communities in which it partners. This ?practical application of knowledge? is an important creative component of the work of the Communications Officer. Such contributions will be as important as grantmaking itself in helping to achieve WKKF?s mission, making this an exciting time to join a growing communications department in a dynamic, multidisciplinary framework at this premiere foundation. Beyond the traditional communications role, this Communications Officer will be expected to serve as a key liaison to WKKF staff, grantees, community partners and other stakeholders to articulate and advance WKKF?s mission, profile and voice.

Position Description:
WKKF seeks an innovative and resourceful Communications Officer who will enhance the ways in which the foundation works and communicates among staff, with its communities, grantees, partners, fellow funders, media, policy-makers, opinion leaders and other stakeholders.

Serving under the direction of the Vice President for Communications, the Communications Officer is responsible for managing a portfolio of communication projects, including some communications grantmaking; managing the work of communication professionals (agencies and contract support) in the foundation?s priority places (Michigan, Mississippi, New Mexico and New Orleans); collaborating with internal and external stakeholders to design, plan and implement communications campaigns and projects; implementing integrated communications strategies; providing communications support to grantees; and identifying and nurturing opportunities for affecting positive systemic change within

The ideal candidate will be an energetic, results-oriented, interdisciplinary thinker and team player able to translate concept into action and provide clarity of message through a broad range of strategic communications opportunities, e.g. public awareness campaigns, publications, conferences, media relations and social media. S/he will be an exceptional listener, with a client-service approach and proven ability to collaborate effectively with persons from diverse cultural, social, and ethnic backgrounds. S/he must possess the flexibility to adapt quickly to change in a demanding and intellectually challenging environment that requires handling multiple tasks around ambitious deadlines and on budget.

Successful candidates will be exceptional project managers with outstanding organizational skills and attention to detail; excellent written and verbal communication and presentation skills; and hands-on experience in the design, editing and production of electronic and print materials. S/he will possess 8-10 years of internal/external communications experience gained through working in one or more of the following organizations, e.g., agency, corporation and/or large non-profit institution. A bachelor?s degree in a relevant field (communications, marketing, journalism, English) is required and a master?s degree and/or an understanding of program design and development, systems, networking and community change as well as current knowledge of broad social and economic forces affecting communities and families, especially those who are poor and underserved, is desired.

Throughout the past six years, WKKF engaged in a comprehensive strategic planning process and a multi-year organizational assessment that resulted in a new strategic framework, a mission statement, a statement of values, a new place-based strategy and an internal process of identifying and validating the core convictions and aspirations that make the foundation unique. In concert with these changes and led by WKKF?s Vice President for Communications, the foundation embarked on a new identity campaign designed to provide insights and clarity around WKKF?s narrative and to provide a communications platform that is more focused, coherent, integrated, connected and aligned with WKKF?s long-term direction and goals. WKKF?s Communications Department is part of the fabric of the Foundation and takes a client service approach to working internally with foundation staff as well as supporting grantees and community partners with communications-driven program efforts.

Working at the W.K. Kellogg Foundation is both a great privilege and a great responsibility. Serving under the direction of the Vice President, the Communications Officer will join a high-performance team of client-focused individuals who partner with staff, grantees and other external stakeholders across WKKF programs, geographies, and initiatives to design, plan and implement communications campaigns and projects; implement integrated communications strategies; and identify and cultivate opportunities bring sustainable change to communities.

With a strong customer focus, the Communications Officer will:

  • Develop and implement communication strategies that advance the critical work of assigned areas (e.g., program, place, element, approach) and project a clearly defined sense of WKKF?s mission, values, impact, shared achievements, policy goals, and aspirations.
  • Lead efforts to develop and integrate clear and consistent messages.
  • Determine opportunities for events that highlight efforts and successes.
  • Represent the Foundation?s voice and profile to the outside world ? to the news media, key influencers and thought leaders, grantees and employees ? for assigned area of responsibility.
  • Coordinate communications and outreach across all messaging platforms including print, web, social media and conferences to communicate with each of WKKF?s audiences ? internally with foundation staff, and externally with grantees, community partners, fellow funders, media, policy makers, opinion leaders and the public.
  • Integrate and coordinate messages and messaging.
  • Manage communication agencies and resources to support the work, including all project management responsibilities.
  • Write and edit content for various communications initiatives and manage supporting teams engaged in related initiatives.
  • Partner with WKKF?s Learning and Innovation Team to think creatively about how to ?package? knowledge in interesting ways ? through videos, events, design and games, among others. Through the use of technology, strive to be more effective and creative in distributing knowledge to those who need and want it, in forms that fit their exact circumstances.
  • Provide leadership for on-the-ground execution of communications-driven program efforts.
  • Provide communication support as appropriate to grantees.
  • Maintain strong, authentic relationships with grant seekers and grantees, ensuring understanding of WKKF program direction, goals, and expectations.
  • Provide high-level technical assistance to grantees, including consultation on model development, partnership negotiations, leadership capacity building and coaching.
  • Develop and maintain strategic relationships to leverage participation of other foundations, businesses, governmental agencies, and other key decision makers in alignment with WKKF core values and program interests.
  • Screen and recommend grants for funding; prepare funding documents; conduct site visits; and manage and monitor grant portfolio.
  • Actively develop and manage working relationships with key staff and external stakeholders.
  • Build and cultivate relationships with program and operations staff to facilitate inter-connectedness and drive forward communications efforts.
  • Facilitate effective linkages, teams and partnerships with external individuals and entities including public relations firms and those in the social media.

Qualifications:
This is an exciting opportunity for an innovative and collaborative professional to assist a premier organization with its ambitious communications and program goals.

WKKF is open to candidates whose skills and experience have been developed and proven in a variety of settings (e.g. large, complex non-profit organizations, agency, academia, corporate). A minimum of eight years of relevant communications experience with evidence of increased responsibility and a Bachelor?s degree in a relevant field (communications, marketing, journalism, English) are required; an advanced degree is preferred. Candidates with a comprehensive understanding of program design and development, systems, networking, and community change as well as current knowledge of broad social and economic forces affecting communities and families, particularly surrounding education reform are strongly encouraged to apply.

While no one person will embody all of the qualities enumerated below, the ideal candidate will possess many of the following professional and personal abilities, attributes and experiences:

  • Broad experience in strategic communications, executing a range of communications initiatives (e.g. public awareness and education campaigns, conferences, publications social media), and media/public relations as well as significant successful experience dealing with regional and national media.
  • Demonstrated ability to develop and implement communications strategies that have impact. The ability to think globally while working locally, representing WKKF to a variety of stakeholders and intermediaries in a credible and influential way and with a selfless manner focusing on values and the greater good.
  • Excellent writing, editing, analytical, and oral communication skills including the ability to collect, review, synthesize, and present information across varied communications platforms. Experience coordinating with external agencies as well as hands-on experience in the design, editing, and production of electronic and print materials.
  • Exceptional project management skills with the flexibility and capacity to adapt quickly, multitask and meet deadlines within demanding timeframes, and resourcefulness in setting priorities. Strong organizational skills and exceptional attention to detail with the ability to work both independently without close oversight, take initiative, and contribute ideas for enhancing performance.
  • Accurate and current knowledge about trends, movements, and policy development (ideally surrounding education reform) to help advance national dialogue, translate concepts and data into digestible formats by a broad range of audiences and capitalize on emerging opportunities.
  • Highly developed and active listening skills, a client-service orientation and strong relationship building skills; successful experience working as part of a multidisciplinary team and working effectively with persons from diverse cultural, social and ethnic backgrounds. Ability to use interpersonal and political skills in collaborative, diplomatic ways and a willingness to set aside a personal agenda in favor of organizational and/or community goals and objectives.
  • Comfort with and the ability to work effectively within communities and in partnership with grantees, including appreciating historical contexts, discerning nuances of relationships and power dynamics, understanding racial/ethnic realities, and respecting community needs and desires.
  • An optimistic outlook and the humor, integrity, and patience necessary to work within a transformative environment.

How to Apply:
Applications including a cover letter describing your interest and qualifications, your resume (in Word format), salary history and where you learned of the position should be sent to: ?kf-co@nonprofitprofessionals.com.

To expedite the internal sorting and reviewing process, please type your name (Last, First) as the only contents in the subject line of your e-mail.

The W.K. Kellogg Foundation is an equal opportunity employer and proudly values diversity.

Candidates of all backgrounds are encouraged to apply.

?

Source: http://www.comnetwork.org/communications-officer-w-k-kellogg-foundation/

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Jurassic cricket's song recreated

Bush crickets (c) Meul/Arco/Naturepl.com

Please turn on JavaScript. Media requires JavaScript to play.

The song is similar to that of modern bush crickets; its relatively low pitch would have helped it travel through the forest

Night-time in the Jurassic forest was punctuated by the unmistakable sound of chirping bush crickets.

This is according to scientists who have reconstructed the song of a cricket that chirped 165 million years ago.

A remarkably complete fossil of the prehistoric insect enabled the team to see the structures in its wings that rubbed together to make the sound.

The international team report their findings in the journal PNAS.

Scientists from the US and China discovered the tiny fossil and named their newly discovered species Archaboilus musicus , because the music-making structures in its body were so clearly visible.

When insect expert Dr Fernando Montealegre Zapata, from the University of Bristol, found out that his colleagues had such a remarkable fossil, he was keen to see it.

"I was very surprised," he told BBC Nature, "because those [structures] are very very small - at the microscopic level."

Dr Zapata studies sound production and communication in living insects, working out how the musical instruments contained in many insects' bodies produce a particular sound, and exactly how that sound is made.

He immediately asked the question: "Could we reproduce the sounds [this insect made] from that fossil?"

Ancient music Continue reading the main story

?Start Quote

This allows us to build a picture of the ecology of the Jurassic forest?

End Quote Dr Fernando Montealegre Zapata University of Bristol

Just like modern bush crickets - also known as katydids - the Jurassic insects produced music with their wings. A "plectrum" on one wing was dragged along a microscopic comb-like structure on the other.

This produces a continuous "chirp" as the male insects rub, or "stridulate" their wings in a scissor-like motion. Dr Zapata described this stridulation as similar to playing a tiny violin.

By looking at the wing structures, he explained, "I could estimate that the animal made pure, musical tones".

Such a single-note tone would have transmitted efficiently - a regular wave of sound penetrating a noisy environment cluttered with vegetation. This would have allowed a female cricket to detect a male's song from tens of metres away.

Dr Zapata then set out to calculate the frequency of the tone, which denotes how high- or low-pitched it sounded. To to this, he simply compared the size and shape of its music-making or "stridulatory" instruments to those of living cricket species.

"I produced a graph of [living] species, plotting the measurements of their sound-making structures against the frequency of the sound they made," he explained.

"Using the measurements, I could plot this extinct species onto that graph."

He discovered that A. musicus used a relatively low-pitched song, compared with modern bush crickets.

This suggested that the Jurassic forest was a cluttered and "noisy environment - especially at night", he said.

"There were probably frogs, other [insects] and sounds from the water," he said.

Being noctural, A. musicus would not have had to hide its musical call from predators that were active during the day, including the famous Jurassic bird, Archaeopteryx.

The crickets may have been hunted by early mammals. But bats - many of which feast on nocturnal insects - did not appear until about 100 million years later.

"That's when the modern katydids became ultrasonic," said Dr Zapata.

The researcher emphasised how lucky he and his team were to find this extraordinary fossil.

"This animal allows us to build a picture of the ecology of the Jurassic forest," he said, "and will give hints as to how other animals were singing at the time."

Prof Mike Ritchie from the University of St Andrews said it was surprising that "way back in early cricket time, they were already producing these very musical calls".

"People thought singing in crickets probably evolved later from a startle reflex," he told BBC Nature.

"But this suggests that [very early on] they were already... producing these lovely, pure tones to compete for a mate.

"If you think of Jurassic Park, we now know what it would have sounded like and it's different from what we expected; it's much more like today."

Source: http://www.bbc.co.uk/nature/16878292

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It's Not the Super Bowl. It's Chef Chiara! The ... - Tv Food and Drink


Five reasons why this kid is the real deal:

1.) Knows to cross from table to stove without breaking face from camera. ?Not an easy talent to foster.
2.) Just like every chef host currently employed at Food Network, starts every sentence of instruction with the maddeningly condescending, ?What you wanna do is??
3.) Recognizes when it?s okay to give herself some major kitchen props (?My chopping skills are REALLY good!?).
4.) Recruits her best fans to be her audience (Note how Betsy Wetsy is so riveted by the proceedings, she doesn?t even notice the full baba staring her in the face).
5.) Already has her own catch phrase ? ?Tune in too-mah-woh!?

It?s true that little Chef Chiara might need to work on withholding reaction when her producer instructs her to throw to commercial, but this is a minor detail sure to worked out before her first weekend marathon. ?Enjoy the birth of a future superstar. ?And remember what website gave her her first big break!

Related Posts with Thumbnails

Tags: Food Network Star, kids in the kitchen, Next Food Network Star

Posted in Homemade and Laughs and TV Now 7 hours, 56 minutes ago at 2:25 pm. 2 comments

Source: http://tvfoodanddrink.com/2012/02/super-bowl-chef-chiara-future-food-network/

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coach mens bag coach handbags | Ask a Loan Officer | Maryland ...

Many coaches fail because you need to be a person who can structure their own time while home working.[url=http://www.coachoutletstoresale.net/]Coach Outlet[/url] The amount of people utilizing the net and becoming web based businesses will continue to extend the quantity of coaches who provide marketing.Coach Sale client attraction and who start business types of services.There are now a couple of professional organizations.such as the International Coaching Federation.which as a professional membership organization,Coach Outlet : http://www.coachoutletstoresale.com/ is working diligently to establish coaching standards.life coach school standards and looking at types of regulations that could benefit the industry and consumers.The science of selling is intense and is geared at: getting visitors to give e-mail address Tickets are valid all day and this head to comes strongly suggested.Dublin city's National Museums and Galleries are no cost and worth a trip.Visit one of Dublin's huge landmarks Trinity College as well as university and home to Ireland's amazing E-book of Kells.Sample some of the black stuff with a call for the Guinness Storehouse and learn first hand in regards to the brewing and history of the wonderful beverage! Dublin has many wonderful parks and gardens offering a getaway from the hustle and bustle of your city.2.Shopping in DublinDublin is a shoppers paradise along with Holly Street.Grafton Street and shopping centres throughout.Dublin is sure to suit all tastes along with budgets.Henry Street is definitely the place to go in order to shop until you drop.All the main high street shops are located here in fact it is also home towards the Jervis Shopping Centre along while using the Ilac Centre.Grafton Street is home to the stylish Darkish Thomas store to pick-up the latest designer gear.so if Gucci.Versace.Prada or Chanel is you thing then you should visit here.Other shops located on Grafton Street include Up coming, long year acer trends show only 001 more acelenolysunci topics now pr39 in 2012

Source: http://www.choicefinance.net/blog/2012/02/coach-mens-bag-coach-handbags/

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The Right Way To Make Your Home Environmentally Friendly ...

You can apply the teachings of living a green, environmentally friendly lifestyle to home improvement. You can actually make the comfort and style of your home a lot better by simply using eco friendly methods and they can also save you money on bills. This article will consist of different ways of making some improvements to your home whilst being green at the same time.

The majority of individuals had an understanding that when you insulate your home it aids in maintaining the heat even before it was popular to pay attention to the environment. Although nothing has changed regarding that, with the expenses getting higher for electricity and oil, we have to heed this! It is possible to lose 50% of the heat in your home if the ceiling and walls aren?t insulated enough. R value is how insulation is measured so being sure you understand this before insulation is important. Be attentive to areas where the warmth can leave and cold can have access like space that surrounds your door. Sealing these with draft excluders, which can be made from almost any warm material, even from old clothes that you were planning to throw out, can be very helpful.

There just is no denying about the potential of green home improvement projects to dramatically alter some circumstances is incredible. It can be challenging to cover all possible scenarios simply because there is so much involved. So we feel this is just an excellent time to take a break and examine what has just been covered. This is important information that can help you, and there is no questioning that. The last remaining areas for conversation may be even more important.

Providing that you are foreseeing a change in flooring, you might think about taking out your old floors and putting in environmentally friendly floors like cork or bamboo. Similar to many of the typical wood floors, bamboo is regarded as more eco-friendly since it is not defenseless as a lot of wood types are. Floors made of cork is another good option, since it is possible to be very nice and also gives a well insulated floor. Cork trees don?t need to be chopped down since only the bark is used which is an advantage to the environment. More prospects for green or natural flooring involve tiles made of ceramic or stone. Carpets can also be environmentally friendly if you use them, which is good for ones wellness. When natural fibers are used in carpets; you have less of a chance to have problems with your allergies.

You can enhance the aesthetics of your home and what is around it by practicing green friendly living in your landscapes and gardens. One simple thing you can do to save energy is to plant trees strategically around your house to provide you with more shade in the summer and insulation from the wind in the winter. Edible greens from a garden is an awesome way to obtain food for your diet that is nutritious but also is a great way to save some money on the cost of groceries. When making a determination about what plants to get for around and inside your home, the best eco-friendly plants are the types that grow naturally in your region as it won?t need as much work to keep them thriving. To finish, substitute all regular pesticides for natural ones in your gardens to keep the pesky animals and critters away.

Making over your home in an eco-friendly manner can be great for your energy pocketbook as well as very enjoyable. The financial worth is greater if selling it is something you are looking at. There are so many strategies to make your home more eco-friendly that we?ve only had space to mention a few, but that shouldn?t stop you from doing further research and deciding which ideas are right for you.

The author is an internet marketing and advertising specialist - who writes on various home services related matters such as roofing Jacksonville Fl and roofing Clearwater.

Source: http://www.articlehugs.com/2012/02/the-right-way-to-make-your-home-environmentally-friendly/

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Yet another study confirms your tech addiction

By Helen A.S. Popkin

ICanHasHotDog.com

?

?

Scientists, online dating sites, your?constantly irritated significant other and Wilhelm Hofmann at University of Chicago's Booth Business School could all save a lot of time over whether we are "addicted" to social media and/or our cellular devices. Rather than pondering or conducting surveys, they could simply do what most normal answer-seeking people do: Go to Wikipedia.

Take, for the sake of this discussion,?the aforementioned Hofmann?and his underlings at the University of Chicago, whose recent experiment was covered by the Guardian UK. This posse of tech addiction investigators took time out from whatever it is that goes on in business school to "gauge?the willpower of 205 people aged between 18 and 85 in and around the German city of W?rtzburg," the Guardian reports, concluding in their research that "tweeting or checking emails may be harder to resist than cigarettes and alcohol."

Not for nothing, but shouldn't business school people be busy learning how to further screw the economy or something, rather than reaffirming the results of countless other studies?about our ongoing inability to disconnect from technology?

Instead, these academics, who include "one each from Florida State University and Minnesota University," the Guardian notes, outfitted their test subjects with BlackBerrys (I know, right? BlackBerrys!?!), and did this:

Live Poll

Are you addicted to technology?

  • 175014

    Hang on a sec ... lemme read this text ...

    36%

  • 175015

    Luddite and proud! (Except for this one story I just read on the Internet.)

    10%

  • 175016

    I can quit anytime I want!

    18%

  • 175017

    Other (explain in comments)

    2%

  • 175018

    How is this news?

    34%

VoteTotal Votes: 370

The participants were signalled seven times a day over 14 hours for seven consecutive days so they could message back whether they were experiencing a desire at that moment or had experienced one within the last 30 minutes, what type it was, the strength (up to irresistible), whether it conflicted with other desires and whether they resisted or went along with it. There were 10,558 responses and 7,827 "desire episodes" reported.

According to the paper, which will appear in the journal Psychological Science, participants recorded the highest "self-control failure rates" with media ? checking Twitter, email, etc. Participants also had a hard time resisting the urge to work. Yet, as the paper?states, "people?were relatively successful at resisting sports inclinations, sexual urges and spending impulses, which seems surprising given the salience in modern culture of disastrous failures to control sexual impulses and urges to spend money."

So what gives? In Hoffman's humble opinion, which he told the Guardian, "Desires for media may be comparatively harder to resist because of their high availability and also because it feels like it does not 'cost much' to engage in these activities, even though one wants to resist."

Whatever.

All of this is easily answered on Wikipedia, where ? if Hofmann?and crew are able to avoid stumbling down the rabbit hole of endless links only to come away six hours later with an accidental education on?Vichy France?... or maybe?every serial killer ever?? they'd find everything they need in?a thoroughly footnoted entry on?dopamine. The piece?prints out as 18 pages total and includes a 3-color molecular model. It calls the substance?"a simple organic chemical in the catecholamine family, which plays a number of important physiological roles in the bodies of animals."

Most crucially (at least for this topic), one learns that "dopamine plays a major role in the brain system that is responsible for reward-driven learning. Every type of reward that has been studied increases the level of dopamine transmission in the brain."?

Every type of reward, including the kind you get when you check Twitter or Facebook or whatever else on your stupid cellular device instead of paying attention to the corporeal hu-mons sitting across from you in the ding dang restaurant!

What's more, when we don't get the reward we're looking for ? when we check our connections only to find that we haven't been retweeted, our Facebook status isn't "liked," our email not yet returned ?? it only reinforces our desire for that dopamine dump.

Here's what Emily Yoffe wrote about it in an article titled "Seeking: How the brain hard-wires us to love Google, Twitter, and texting," which first appeared on Slate in 2009. (2009! That's 90 jillion years ago in Internet time!):

Actually all our electronic communication devices ? email, Facebook feeds, texts, Twitter ? are feeding the same drive as our [Google] searches. Since we're restless, easily bored creatures, our gadgets give us in abundance qualities the seeking/wanting system finds particularly exciting. Novelty is one. [Washington State University neuroscientist] Jaak Panksepp says the dopamine system is activated by finding something unexpected or by the anticipation of something new. If the rewards come unpredictably ? as email, texts, updates do ? we get even more carried away. No wonder we call it a "CrackBerry."

"CrackBerry." I know, right? It's an apropos reference given that's?the ancient device used in the University of Chicago?study. But I told you this dopamine and your tech addiction connection is old news. And let's be honest, knowing that your generally obnoxious behavior is the result of brain chemistry does not give you license to text while walking, yack on the phone while driving, Facebook while dating, or tweet from the toilet.

If Wikipedia teaches us anything, it's that knowledge is power. Now go forward with your knowledge of brain chemistry and stop being a jerk.

Guardian via Gizmodo

More on the annoying way we live now:

?Helen A.S. Popkin goes blah blah blah about privacy and then asks her to join her on Twitter and/or Facebook. Also, Google+.?Because that's how she rolls.

Source: http://digitallife.today.msnbc.msn.com/_news/2012/02/03/10310702-yet-another-study-confirms-your-techno-addiction

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It Is Possible To Full That Home Improvement Undertaking by ...

Almost everybody has at the very least something they would like to see changed about their household. Luckily, quite a few home improvements are projects that even a novice homeowner can tackle. You may, by using a little planning, easily accomplish projects like cabinet refacing, adding decorative molding to walls, windows, doors, or outdoor projects like improving your gutter system. Some elements, nonetheless, are best left to the pros, particularly if they require electricity or plumbing. This post will help you decide in the event your house improvement venture can be achieved by oneself, or if you need to call in expert help.

After some initial use, your kitchen cabinets can start to lose their luster. You may shine up cooking area cabinetry by making use of automobile wax. Utilize some automobile wax liberally to a towel and wipe your cabinets down in a circular motion. This can make your cabinets appear like they?re new and shiny.

Bring shutters to the outside windows on your house for any dramatic change in architecture. If the exterior looks a bit drab or flat, you can use this very simple tip to give it a lot more depth and interest. Paint them a coordinating color to the home, generally the color with the front door.

Your kitchen is an excellent place to begin your home improvement projects. Start with the walls if there are grease stains, mix up a 2 to 1 solution of TSP and water. It will get rid with the grease and also remove significantly of the paint. Re-paint the kitchen in tan colors you will be amazed at just how much different your space will appear as soon as you are accomplished.

Make sure that you install a window or right ventilation in your bathroom. Humidity from showering with hot water creates the ideal area for mold to cultivate. Even though you have repainting your bathroom walls, it also won?t sufficiently kill off of the mold. Instead, do something that will prevent it from growing at all. Install a window or ventilation, to dehumidify your space.

If every closet, cabinet, and drawer in the house is filled to capacity, think about building a garden storage shed on your home. These components bring considerable well worth on the resale value of a home and are also ideal for storing garden implements, equipment, more lawn furnishings, along with other belongings which can be securely stored outside.

While you have read in this article, with just a little planning and several investigation, you can take on fundamental household improvement projects and make your property a satisfied, healthful place for the family. By knowing what projects you may do and what projects you must leave on the authorities, you may even keep a considerable amount of cash. So pick up that hammer and those nails, and have fun together with your next residence improvement undertaking!

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Source: http://irfanbachdim.us/it-is-possible-to-full-that-home-improvement-undertaking&article_id=57167

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High Quality Large Bird Cages for Your Pet Bird's Convenience ...

Have you been looking for a wire crate with the right attributes for your pet?s convenience? Perhaps your best friend Eclectus has long been whining associated with his compact spaced home? It is definitely essential to consider the cage on its own when taking care of any type of Avian pet. Just like other large dogs and cats, bird species such as the large sized chickens also need large crates to survive.

I have been caring for large parrot kinds for about 10 years at this point. I?m a dedicated pet owner of a pair macaws, A couple of pairs of cockatoos plus a single chatty avian, Eclectus-my best friend. For a limited introduction, my own Greenwing macaws usually are identified to be the actual gentle giants this can nice dispositions and are generally truly caring. My own Major Mitchell?s Cockatoos on the contrary include the loud and productive ones that seek out constant attention because if neglected, may turn to destructive behaviors. Last but not least, the eldest amongst my pets is definitely an Eclectus Parrot which I?ve actually taught for an extended time to further enhance his speech capability. This place is recognized for being astonishingly friendly, intelligent still is usually very delicate thus, may become anxious if also overlooked. As an avian lover, I always make sure that My spouse and i feed them very well, provide them with proper housing and spend some quality time with them, because these type of birds seek a lot of attention.

Basically, the particular cage will serve as their home so it is important to pick one with high top quality construction.Take note of a number of important facts just before getting one. If you don?t want your pet to get into any serious injury, opt for a cage with club spacings that are not too big. Something more important is the space inside parrot cage; you ought to think about enough area with regards to the height and thickness for optimum mobility on the parrots. A confined place will cause despression symptoms as well as harmful behaviors to some. Furthermore, make sure that the bar gauge are 4mm-5mm thicker if you have powerful parrots like the Hyacinth Parrot.

The parrot pets are in fact delighted with the distinct bird cages I decided for them. For my own two big macaws, I bought a cage for macaws for less than $700, which exhibits parrot-proof latch on many doors, a big selection of pet playthings that is dangled from the top solar panel, a slide out seed container, a new removable center screen that can be made into a solitary massive cage plus more features in one solution. The cage I bought for less than $600 offers amazing features for my Cockatoos, which features a nesting box front door for breeding and also top opening with an accessible play prime. Lastly, I got my Eclectus a new cage that was bigger and considerably more comfy for less than $600. The flip-top cage gave him a pleasant delight. The sunroof style opening and the special front veranda deck were amazing, anf the husband is absolutely happy with his / her new home.

I am thankful I just made the best selections. The discount Large bird cage with all the delightful characteristics did truly make an impression me. Each was obviously a complete bird getaway built to perfection to the bird?s utmost benefit.

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Source: http://apicsud.com/high-quality-large-bird-cages-for-your-pet-birds-convenience-2/

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Essentials involving Medical Bankruptcy Annulment | welcome to ...

Seen from the medical bankruptcy annulment? Well, it might seem that it is focused on getting financially troubled on account of medical concerns on your own, and completing a ?medical bankruptcy? for doing it. I cannot pin the consequence on an individual intended for thinking that method because Furthermore, i obtained the same initial assumed. This is a enable for just anybody, therefore it is essential that you have got a minimum of the standard know-how about the idea. That will help you learn relating to this theme, we have found a number of the simple the specifics of the idea.

Professional medical bankruptcy can be a basic expression used to consult precisely why a individuals need to produce a bankruptcy. Really, this is simply not a lawful phrase. Based on the its principles, if you?re to produce a medical bankruptcy, you must possibly record Chapter 7 Bankruptcy or Section Tough luck Bankruptcy. With this completing, you must consist of your entire debt like your entire medical debt and various signature loans. With a bit of evaluation and it?s also demonstrated that you will be financially troubled, they should absolutely free through your entire debt and are declared in to bankruptcy annulment. When you file for a particular bankruptcy, you have to jot down all of your current lenders, in addition to your medical payments. This kind of exclusively eliminate of which ?medical bankruptcy? isn?t information about ones medical debt.

In line with the research, given by content around CNN, medical debt is among the simple reasons why folks record bankruptcy. As a matter of actuality, in relation to 60% from the recorded bankruptcy is due to medical concerns. Along with the bulk of most of these 60% will be the single parents and older.

Possessing medical insurance isn?t insurance policy in any respect. In line with many medical bankruptcy research, just about 80% from the bankruptcy filers currently have insurance policy. This is often because of which, perhaps folk have medical health insurance, they will nonetheless have a lot of the expenses for your payments which usually aids them to file for bankruptcy.

Some individuals believe whenever you record a bankruptcy, health professionals may don?t treatment an individual. Well, good national legislations, people nursing homes receiving subsidy from the authorities would not have the authority to deny from recognizing an individual whom obtained recorded a bankruptcy. Most of the time, your doctor as well as sufferer are making arrangement to the amount of money that this sufferer are able to afford to cover your doctor perhaps he had suffered with bankruptcy annulment.

Professional medical Bankruptcy can be acquired for everyone whom desires and whom searches for intended for financial help. However i are offering their advice to an individual of which completing it ones last resort. That isn?t merely a very simple technique to get away from your creditors and debt. It should be recorded in case you do not use a choice so you cannot really reply to your bills.

It truly is incontestable of which only some really obtained the information relating to this actuality. As a matter of actuality, this is usually a suitable of most folks; this means you need to have the information about it. In all cases associated with living problem, getting kept informed is among the simple important factors around offering approaches to the condition an individual assumed will never be sorted out always. The important points that I currently have displayed are merely basic fundamentals, in case you wanted to use a complete knowledge in relation to medical bankruptcy, homework and be up to date!

Source: http://www.bermysagainstthedraft.org/essentials-involving-medical-bankruptcy-annulment/

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