Preseason College Football Rankings: 2012 Big Ten Football Preview, Legends Division
Balance.
That's the one word that summarizes the Big Ten this upcoming football season, as power and wealth have been spread among a group of teams: Not just one team will dominate the conference in 2012, like we've seen in years past.
Michigan, Michigan State, Nebraska and Iowa all have a great shot to make a conference title appearance in the Legends division, while Wisconsin looks to walk into Indianapolis from the Leaders division, thanks to the ineligibility of Ohio State and Penn State.
The Big Ten is being reinvented. Known for its run-it-down-your-throat power-run offense, many teams are beginning to transition to high-flying, high-tempo spread formations. This has a lot to do with the coaching carousel?currently taking place?but mostly to catch up with the SEC.
Here is a preview and prediction of how the Big Ten Legends division will pan out this upcoming season, with the Leaders coming soon.
LEGENDS STANDINGS
Michigan Wolverines: 9-3 (7-1)
Denard Robinson's senior season and quest for a national championship could be decided by the first game of the year. If Michigan beats Alabama Week 1, I like its chances to finish the regular season undefeated. But let's face it?the offense line is lacking key parts, receiver Roy Roundtree isn't the playmaker the Wolverines thought he'd be, and the defensive line will struggle to work a pass rush. And sure, they'll have a deadly rushing attack (that is, if Toussaint stays out of trouble), but plain and simple, Robinson does not fit that pass-friendly offense. Still, Michigan will do enough to win what looks to be a down year for the Big Ten.
Nebraska Cornhuskers: 10-2 (6-2)
Let's hope the 'Huskers used their sophomore slump as a freshman fallout in their first year with the Big Ten, because 2011 did not go as planned. Nebraska was supposed to come in and immediately show up as a conference contender coming from the Big 12. Instead, it was blown out by Wisconsin, upset by Northwestern at home, destroyed on the road to Michigan, all while compiling the 104th passing game in the nation. Coach Bo Pelini returns much of the same roster to the field this fall, but unless he can get better performance from quarterback Taylor Martinez and the entire defensive front seven, another disappointing season is in store.
Michigan State Spartans: 9-3 (5-3)
A cupcake non-conference schedule will allow junior quarterback Andrew Maxwell to gain experience and prepare for playing four brutal conference games. He learned under three-year starter Kirk Cousins over the last two seasons and knows the offense very well, but will have a very young receivers corps to work with. The defense will be outstanding as usual (especially at the linebacker position), although it will have to replace Jerel Worthy on the line. It will be a year of growth for the Spartans, but nine wins is not out of the question.
Iowa Hawkeyes: 9-3 (5-3)
Coach Kirk Ferentz seems to never have a bad year. Seriously, the last time his Hawkeyes finished without a winning record was in 2007, when they went 6-6 and still won four conference games. Still, Iowa hasn't gotten over the hump and need to make some noise this year to stay relevant. Look for quarterback James Vandenberg to have an outstanding season (as he should, being arguably the best pure passes in the Big Ten) and the defense to be stellar. If the Hawkeyes can find someone to contribute to the running game, a solid replacement for receiver Marvin McNutt, consistency from the offensive line, and a stronger pass rush, they'll surprise many. If.
Northwestern Wildcats: 7-5 (3-5)
The Wildcats haven't won a bowl game since 1949, but all that could change in what is likely to be coach Pat Fitzgerald's last season at the helm. The defense is very young, but extremely athletic and will force a lot of turnovers. The offense is undergoing a lot of changes, including a turnover at quarterback with the departure of Dan Persa. However, junior Kain Colter is a dual threat that received some experience last season and should have a breakout 2012. The running game will be a vital part of Northwestern's success this fall: it was?4-0 when running for 200 yards or more and 5-2 with 150-plus, while finishing 1-5 with less than 150.
Minnesota Golden Gophers: 2-10 (0-8)
It may not show on the Sunday morning paper, but Minnesota football is improving. Coach Jerry Kill actually has a decent group of players to work with this season: The offensive line is mature and consistent, the running backs are above average, the defensive line puts pressure on the opposing quarterback, and the linebackers can stop the run. Unfortunately for the Gophers, they'll still struggle to move the ball through the air and will not be able to stop premier pass offenses. Still, there's hope for their first bowl bid since 2009. Four wins would be nice, too, but that might be wishful thinking at this point. Slow and steady wins the race?okay maybe that doesn't apply to this situation.
Touring, just like we are no question informed, is amongst the most pleasant points a single can perhaps do. It helps us to develop our horizons, to determine how persons are in other pieces worldwide, also to experience new things. The difficulty, definitely, is touring might be the costlier hobbies you could have, and except if you?re pretty wealthy you?ll want to verify into price cut travel tactics so as to travel on a regular basis.
If you find yourself wanting for price cut vacation solutions, among the many fantastic applications for ones use may be to change your diet regime plan. Aside from your cost of addressing your destination and accommodation, foods is going to be one of several essential fees in the vacation. By consuming out at eating places a great package, or dine mainly with the hotel, you?ll likely be shocked out how swiftly food eats in your travel budget.
So an intelligent plan on the subject of price cut vacation could be to acquire in the habit of ingesting nearby food, and purchasing contemporary food items at markets rather of frequently taking in out. By the use of case in point, in case you are out to obtain a journey, look into a grocery store and get some healthy and balanced new food items that you just could eat on the run, in order that you will not ought to have a look at to a restaurant or restaurant for lunch. In lots of nations around the world you will detect lots even bigger discrepancy amongst the charges of recent meals along with the rates of foods in restaurants then exists inside North The us, so benefiting from this will likely allow help you save loads of money.
As you can imagine, it isn?t honestly expected that you just commit your entire excursion feeding on fruit and bread when thinking about a bus ? portion of an enjoyable traveling working experience is at eating out. Everytime you do dine out, on the other hand, try to eat with the destinations in which locals take in ? the fact remains that it really is radically more inexpensive. Depending what your place is, a substantial high quality will most likely be put on North American-style food items. In case you may be glad to put aside a desire to have the foodstuff that reminds you of your home, your journey will probably be a lot much less expensive over the extended.
Apart from getting beneficial almost about low cost journey, consuming at area restaurants provides you a broader cultural working experience. You?ll be able to attempt some thing wholly new you?d do not be in a position to test in the dwelling. Additionally, you can find a very beneficial likelihood the international country?s interpretation of yankee food will be very poor, so you?ll likely be obtaining superior foods way too to consume domestically.
Generally, stay clear of restaurants in touristy spots, or ones that serve things that certainly can be a radical departure from local cuisine. Take into account, notably when driving a 2nd environment state, how the locals have very much less of the finances, moderately, then you unquestionably do, so anywhere they elect to dine in you in all likelihood will find very reasonably priced.
So put your want to have a burger and fries unwind ? you should have a lot of that once you receive household ? and encounter some regional culinary delights. By doing this you won?t just discover result-oriented elements, you may be shelling out much less which might be used on more attention-grabbing points during your journey.
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Starting any Bed and Breakfast Business If you are considering starting your own b&b business in addition to already dreaming of the time spent raking in the tourist dollars, critique these tips before you start and save some heartaches.
1. What?s regarding breakfast? Regardless of what you think about your scenic location you have decided or the amazing travel and leisure activities nearby, your current range of breakfast is a big take into account being booked. Travellers would like a good hearty breakfast to start the day with. This means understanding that healthy food is lowest desired, and the big breakfast or even bacon and ovum will dominate recption menus. Ensure that you are able to prepare these foods to suitable restaurant expectations. Travellers do not want cold scraggly shopping dishes put in entrance of them. 2. Are you based at the travel destination? Almost all travellers select b&b in brussels based on the fact that they are near their picked out destination point. Either because they want to get a young start at the action or they want a place to sleep after going to the tourist attractions. If your bed and also breakfast is located along the travel path, or worse, this is not on the travel path, you will have to work really hard to be able to get travellers stopping halfway combined their journey to rest. 3. Sharing your home You need to consider the major issues involved when strangers sleeping in your bed and breakfast rooms if they?re part of your own housing. You need to be comfortable with the truth that they will often walk around your rooms at all hrs of the night. Are the valuables secured as well as out of sight When they are injured, what is the initial aid like Do you have safety plans for possible violence or issues with travellers If they come back afterwards in the day, is definitely someone you have faith in always looking after the particular rooms. 4. Give them space Travellers usually are not there for your own amusement or to be a means to fix the isolated place you find yourself in. If you are talking too much in their mind and always hanging around them, give them some space and find other friends to socialise with. Tourists often want to share their holiday break experiences with their unique friends or family, and not with you. Once you have welcomed these and has a short warm and friendly chat, get out of their sight. The most important problem I have seen having bed and breakfast operators is because fail to understand the tourist seasonal patterns which in turn cause vacancy rates to drop rapidly inside off-season. Most of the time your B&B is going to be empty and depend on the summer season for being fully booked only to cover annual expenses. Make sure all your predicted budgets allow for the mix in vacancy premiums in your type of business.
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To list events, contact sports@savannah now.com or call 912-652-0356.
ARMSTRONG ATLANTIC STATE
? Armstrong Atlantic State University summer camps. Info: Jeremy Luther, Jeremy.Luther@armstrong.edu or 912-344-2992 (boys basketball); Matt Schmidt, 912-344-3110 (girls baskwetball); Eric Faulconer, 912-344-3095 or eric.faulconer@armstrong.edu (soccer)
BASKETBALL
? Savannah Regional Adidas Phenom Basketball Camp, Sept. 8-9, Jenkins Memorial Boys Club. For boys grades 5-8. Cost: $199 per camper. Info: Jeff R. Jones 404-951-1080, 770-873-1185, 404-431-5508, jjones81968@gmail.com and http://phenomamerica.com/camps/regional-camps
GOLF
? The First Tee of Savannah?s Healthy Greens Summer Camp for ages 6-17, July 30-Aug. 10 (advanced), 9 a.m.- 1 p.m. Cost: $100. Military families are free. Info: Brittni Katro, program coordinator, 912-238-7108, bkatro@thefirstteesavannah.org.
RUGBY
? 2012 Gratis 7s Tournament at Forsyth Park, Aug. 4, hosted by the Savannah Shamrocks, 9 a.m. until 4 p.m. or completion. Admission is free, with spectators and teams asked to donate canned goods for a local food bank. Three divisions of teams: men?s, women?s, Old Boys (over 40). Info: http://www.pitchero.com/clubs/savannahshamrocks/
RUNNING
? Tunnel to Towers Run Savannah 5K, 8 a.m. Sept. 15. Proceeds will be used to build Smart Homes for wounded veterans in Georgia. Register at t2trun.org, fleetfeetsavannah.com/t2t or at Fleet Feet Sports Savannah, 3405 Waters Ave. Info: Jane Grismer at 912-313-4806 or t2tsav@gmail.com
? Critz Tybee Run Fest, Feb. 1-2, 2013, Tybee Island. Five different race courses of 5K, 10K, 2.8-mile beach run, 1 mile and half marathon collectively equal a full marathon distance of 26.2 miles. New is a Kids Run at 6 p.m. Feb. 1 near the Tybee Island Lighthouse on North Beach. Info: critztybeerun.com and facebook.com/critztybeerunfest
?SAVANNAH STATE
? Savannah State University summer camps. Go to ssuathletics.com for info or call Ahmad Tinker, 706-412-3556 (football); Jay Gibbons, 912-358-3447 (boys basketball); Sonya Wilson, 912-358-3444 (girls basketball); Kellie Fletcher, 912-358-4355 (cheerleading); or Carlton Hardy, 912-358-3082 (baseball).
?SOFTBALL
? New Hampstead High School softball team. Girls attending the school next fall who are interested in playing need to contact Brandi Mills at brandi.mills@sccpss.com or 912-667-8380. Summer practices are now taking place.
SUMMER CAMP
? Savannah Sankofa Youth Organization for Boys? Summer Camp Program for Behaviorally Challenged Boys, ages 6-16, 8 a.m.-4:30 p.m. Monday-Friday, June 18-Aug. 17. Cost: $25 registration fee (nonrefundable), $42 weekly fee. Info: 912-541-5312.
ULTIMATE FRISBEE
? Ultimate Frisbee Tournament and Summer League, Pooler Sports Complex on Pooler Parkway. League play every Tuesday, 6:30-9:30 p.m., in July. For men and women, ages 13 and up. Info: 912-412-3472 or go to http://coastalfca.org/FCAULTIMATE.lsp.
VOLLEYBALL
? Salvation Army Youth Volleyball League for sixth-12th-grade boys and girls. League started July 7. Info: Martha Jenkins, recreation coordinator, 912-352-8366, 3000 Bee Road.
For several our seniors this deep-rooted theory was first of which choosing that invert loan might just be a final calculate replacement for monetary fund per month profit in the end many other belongings seem to be tired. Let us have greater take a peek at a few of the prospects which can be made available to more mature individuals and examine with well-respected professionals pertaining to invert mortgage loans getting used because focus and not a great postscript.
http://www.informationaboutreversemortgages.usInverted mortgage loans could help more mature individuals have a a number of purposes. These are generally used to fix your retirement capital of which missing value in recent times with huge profits / losses, plan for long term health obligations, present global financial security measure, stop a mortgage repayment to reinforce existing per month income, evade using your retirement financial records prematurely and even right before readiness and even wanted distributions, in addition to try to find a new house and an important amount of money avoiding loan repayments. The method that you choose to consent to your capital relies upon within your long-term strategies for this proceeds and grounds for overturn mortgage. In recent times couple of acknowledged debt preparation professionals created article content from the Daybook of economic Preparation pertaining to working with a invert loan included in a long-term preparation common electronic devise getting a a great fairness set invert loan as a very first form of move to the last measure move.
"Craig B. Totes, and Stephen 3rd thererrrs r. Totes, simultaneously Ph.Deborah.Is the reason examine agreed of which versus the normal realizing that through a blend of an important your retirement collection and invert loan fairness set distributions this income level with coping was first above however, if utilised as a last measure and supplied a larger online worth using a 25 calendar year period"
Recovering this The typical Knowledge: By using Property Equity that will Product Retirement living Income
information about reverse mortgagesIn accordance with metropolitan.internet the quality of our seniors time Thrity nine well as over are going to elevate via concerning 13 Nought per cent during 08 that will 20 % by way of 2040. The recession functioned great knock back that will your retirement financial records, leaving quite a few old grown persons concered about his or her's your retirement security measure. Older folks require selections for repairing these types of your retirement strategies. Tens of millions in a huge number appear to be coming up to your retirement and the've recently been confirmed this sociable Security normally takes proper care of these individuals. This exception to this rule may revenue just aren't going to be at this time there with regards to your retirement quite a few years. These kind of golden-agers might start out pondering other choices at this time right before these products result by your retirement which has a federal arrears from the trillion's. A few statistics demonstrate this horrible environments these products deal with:
? On a daily basis around 9,1000 Newborn baby Baby boomers are going to develop Thrity nine years of age. That may be apt to preserve taking place regularly for an additional 20 quite a few years.
? 35% person for the majority of at this moment are over the age Thrity nine matter roughly designed into Interpersonal Security repayments on your own.
? A good number of Newborn baby Baby boomers lack a make of pension plan simply because experience becoming vanished in the last Many years
? With different niche examine with Newborn baby Baby boomers, 60 % of them will job "until these products drop".
Scott Thill This Retirement living Problem: Half an person for the majority of Experience Using $2,1000 Counted with regards to Senior Many years
A pair of. Investment Long-term Treatment and Health-related
Interpersonal Security, Medicare insurance, assuring state health programs software programs outlays, higher by way of increasing health expense and developing numbers of pensioners, are going to lead pages out and about money with respect to many other governing administration expertise. Right software programs may well break up a great suspected 75-80 Nought per cent with federal overtax funds by way of 2040.
A few. Getting Funding Properties
Not any rules the fact that hard cash can be utilised. Property might be a good come about the revenue put at the present time time of day significantly lower rates Property continues to be one of the better rewards within your revenue.
1. Pick a holiday home and even Downsize
Older folks can make use of overturn loan proceeds to get an extra dwelling with a decent sized a part of reserves still in effect, in addition they might evade buying a mortgage repayment about the very first dwelling. A sample may just be where certain call "snowbirds". Downsizing is the one other replacement for contemplate, utilize arises from any purchase with chief asset, then obtain a smaller more practical dwelling which has a invert loan enabling the crooks to possess a bigger portion of the invest in proceeds because reserves avoiding any sort of long term loan repayments relating to new house.
HECM Saving idea Rewards Popularity utilizing Budgetary Coordinators
Harold Evensky author of The Brand Different Prosperity Administration states:
"It appears as though this can more likely be a great really beneficial software,Ins
Investments just like invert mortgage loans clear up the problem of which his or her cash-flow put away tactic frequently demands consumers to prevent revenue low-interest financial records. Some invert loan, no matter if it's actually not drawn lessen, can lessen the quality of hard cash that's put for the reason that technique.
Advisor Points of views Different Principles with respect to Prosperity Administration
The Personal credit line Inverted Home loan will be an Helpful Application with respect to money these types of Potential uses
Even though you may don't require this capital currently think about this fascinating basic fact. Surely one of the most beneficial HECM entice is usually that the personal line of credit expands bigger gradually. As a result upon terminating to the invert loan personal line of credit the quality of hard cash out there will continue to make rewards with the current economic monthly interest prior to deciding to get every thing, together your private home fairness and house value might in most cases expanding very. A further showcase is usually that any sort of invert finance selling price folded up straight into the loan product may well effectively often be cleaned out. The alternatives could possibly be infinite and when that you were offered an opportunity to permit revenue in order to produce with respect to say decade right before the removal of the software your property could possibly be left still in effect together with the invert accomplishing all that you wished the software that will.
The term "handicapping" means the technique of measuring horses to determine the ability every single horse has at winning a race. Why gamblers assess all of the horses on the field is often that "long shots" from time to time win races. Skilled gamblers examine horses, to bet on horse race odds, just before they bet on horse racing. In the event a horse has got a shot at obtaining victory in a race, the odds that it's going to win can be easily identified. For instance, if a race happened ten times and the horse came out on top just the once, it would have a one in ten chance at winning.
When a horse has 20-1 odds, the bettor could probably double their profits. Handicappers achieve success with odds like this by betting on the same horse in multiple races. They believe that their horse definitely will eventually triumph in a race. People who are looking at gambling on horse races will need to recognize there's a certain amount of probability concerned. At times bets can pay up huge sums of profit. But the truth is, winning constantly is considered to be challenging. Researchers recognize that the emotional dynamics of men and women may well detrimentally have an impact on their betting options.
Several bettors let their inner thoughts get in the way of producing a effective verdict. To be able to appraise and analyze associated risk, bettors must have strong reasoning. Individuals who place bets with a mix of "gut reactions" and analysis are more likely to earn cash. Previously people at one point would head down to bookies to place bets. This was problematic and hazardous. Happily, there is nowadays an alternative. Bettors have the ability to now make bets on line with respected web-sites.
With there being a large number of betting web sites on the internet, gamblers will want to pick and choose carefully. A few internet websites are running cons or asking for large prices. These online sites can be prevented by undertaking a small amount of groundwork. All of the top gambling web-sites are well-known and respected. Reputable web-sites show their direct contact particulars on their website page. Its equally really important to decide upon a webpage with continuous user help hrs. Doing this may be important if you want to change their bet or is finding challenges with the on line program. Approaches to uncover a very good betting online site is to view online critiques. Old users of these web-sites are usually very honest when they are talking about the pluses and minuses for betting web sites.
All in all, betting on horse races can potentially be quite worthwhile. Those people who research their horses, place bets with a calm mind and are sensitive that their funds can build plenty of money. Just as with all of betting, there is always a small amount of risk attached with horse racing. Just about all gamblers may make a loss at some time. During these moments, it is very important that the bettor keeps focused and adheres to their program. A good number of gamblers lose cash mainly because they lose a couple of bets and start getting anxious. A certain amount of gamblers in this case set all of their excess capital on a single one bet. They do this in the faith that they are going to retrieve the cash which they suffered the loss of. It is usually this style of mental actions that results in gamblers losing sizeable sums of income at the track.
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Cogzidel is a member of an international business networking organisation called ?BNI?. In BNI, weekly meetings are conducted whereby business referrals (internal and external) happen among members.
Every week two members are given chances to showcase their product / service for 8 minutes. Today, it was Cogzidel?s turn and our CEO ? Mr. Bala Murugan did the presentation.
Click here if you are unable to view the video above.
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There are lots of varieties of business houses available to people that perform inside the commercial actual estate sector. Some people prefer to function inside a certain region by operating with only one or two kinds of commercial qualities. They do that because they have expertise with that particular sort of house.
Commercial homes differ extra than in only their appearance and use. How you acquire, promote, function, handle, assess, and price every property is usually quite distinctive. While you?ll find some similarities, being an professional in one or two properties can significantly enhance your ability to research excellent offers and optimize your profit possible. After you know the within and out on the procedures that take location using a specific style of house, know what concealed points to appear for, and what blunders to avoid, you?re much less most likely to operate into complications, and can produce constructive, lengthy long lasting results.
Let?s take a look at the primary business homes that you simply may already be involved with, or are contemplating transferring into.
The very first are office structures, or workplace parks. The phrase workplace might be applied to make reference to floors, components of flooring, an entire constructing, or an entire workplace park with numerous structures positioned in a neighborhood variety placing. Office area is used to get a variety of reasons. It can be utilized for real places of work for companies, or it can be utilized for areas of organization operations, or to meet a tenant?s distinct practical and technical requirements. An example of this will be an workplace making for healthcare functions.
Workplace properties is usually segmented into three basic amounts. The initial is lower rise, that has much less than 7 tales above floor. A mid-rise has in between 7 and 25 tales over ground. A high-rise has extra than twenty five stories above floor. These properties are usually rented from the square foot according to the complete useable square ft available towards the actuel.
The next style of business home is retail property. These are locations of business where items and solutions are supplied. There are plenty of forms of retail qualities which contain massive boxes, outlet facilities, strip centers, regional facilities and power centers. Each and every of those has unique characteristics that differentiate one from another. Business owners can much better pick out exactly where they choose to lease by identifying their product place, where the best location is, plus the sort of retail center that may greatest sell their products and solutions.
A large box is a big, free-standing creating that is frequently substantially like an enormous warehouse. They can usually be identified near important shopping facilities and alongside significant corridors. Businesses such as Wal-Mart, Home Depot and Goal are all example of major boxes.
Outlet facilities are commonly positioned in vacationer or rural areas, and also the organizations there give their solutions and services in a low cost. Strip facilities are consecutive narrow parcels which have several different retailers. They?re frequently discovered along principal streets and commercial corridors.
Regional centers are characterized by an enclosed, inward orientation on the stores. A walkway or common region connects the shops that supply a number of merchandise and services. There is certainly normally a large, frequent parking great deal discovered along the perimeter with the regional heart.
Power centers are areas of business enterprise exactly where substantial merchants, which includes large discount centers lease out the buildings. Class killers can also be discovered here. They are organizations that offer a sizable choice at lower rates. Ross, Mervyns, and Kohl?s can all be identified in power facilities. Consider the one cease spot to shop retail center, and you may have an energy middle.
Any of those types of retail centers is usually selected places of specialization for an trader, developer or builder. This offers them an aggressive advantage within the industrial real estate business since it truly is the sole point by which they concentrate their efforts. You are able to guess there?s not one issue that can move by these persons in regards to retail facilities, plus they know specifically how you can increase their sources.
Industrial and warehouse houses are the next class of commercial residence where you may find freestanding attributes, investigation and improvement, large producing, as well as industrial park houses.
Freestanding industrial properties can vary greatly in construction sort, style, and overall function. They stand alone, and so are normally occupied by an end user, hence the making is particular to some special goal.
A investigation and improvement residence is characterised by possessing workplace area and manufacturing about the premises. You?ll find them most normally close to universities, and shut to other areas of professionals.
Industrial parks are significant, planned developments that can be made use of for particular scientific and technological use, or sophisticated communications makes use of. They?ve many buildings for mixed-purpose or even an one objective which might be scattered in an often functional way.
Industrial structures and warehouses are crucial to some city?s economic improvement, and metropolitan areas often deliver tax incentives when positions are offered and new companies are brought to some city, specifically to one experiencing fast development.
Multi-family residence is a further kind of industrial home in which it is possible to specialize. They offer you huge opportunities to make worth. A multi-family home isn?t considered a commercial property unless it is actually higher than 5 models. Duplexes and fourplexes aren?t considered business properties, though they can be an awesome expense. The larger the apartment complicated, for instance much more than 100 units, the much more money you?ll have the ability to return on investment. These multi-family units have residing area, appliances and amenities. Multi-family models can array from low-end to luxury variety units.
The final style of industrial property is raw land. Raw land is characterized by untouched land with no enhancements like utilities and streets. It may be one of the most complicated residence to entail oneself with; on the other hand, it may return the greatest final results.
Whichever home you make a decision to specialize in, only start a brand new undertaking inside a new region having a person who has a lot of experience. You can discover quite a bit from someone by using this technique. It?ll provide you with a solid basis to do the subsequent venture on your own. This partner or connect will assist you to to acquire the encounter and perception that might in any other case take you many years to find out.
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URL Shortener and a New URL Shortening Service
URL stands for Unique (or Universal) resource locator. It is the address of a web page. Every page has its own exclusive web address (URL). This is how your computer locates the web page that you are trying to find.
NEW YORK (AP) ? A soaring profit at Chevron's refineries eased some of the pain of a weaker second quarter.
The oil giant said Friday net income fell nearly 7 percent to $7.21 billion, or $3.66 per share. But the results beat expectations thanks to a strong performance from its refinery business.
The company's stock price rose $1.18, or just over 1 percent, to $109.04 in afternoon trading.
Like its peers, the oil giant is struggling to find and replace its sources of petroleum. The world's slowing economy has also pushed down prices for the crude it sells.
But the lower prices had benefits. Profits at Chevron's refining and marketing business rose 80 percent. Its refineries paid less for oil while selling gasoline at higher prices on the U.S. West Coast. Pump prices there remained well above the national average last quarter because of supply problems in the region. The business also sold about $200 million in assets, including its stake in a South Korean energy business.
"They've done a good job of cutting dead weight from their portfolio," Morningstar Inc. analyst Allen Good said. "Their refining business, especially in California, was especially strong."
But the help that lower oil prices gave Chevron's refineries hurt its other business ? finding and selling crude and natural gas.
Earnings from its exploration and production business fell 18 percent to $5.62 billion. Chevron, the second-largest U.S. petroleum company behind Exxon Mobil, sold oil for lower prices in the U.S. and overseas. Natural gas fetched only half as much in the U.S. as it did a year earlier. Production from its global network of oil and natural gas wells declined 2.6 percent.
Profits also fell in the second quarter for Royal Dutch Shell, Occidental Petroleum Corp. and ConocoPhillips. Exxon Mobil profits rose, but that was due to a big one-time gain from the sale of Japanese assets. BP reports its second-quarter financial results next week.
If you need a list of the most proven real estate investing strategies then check out this article.
Want to learn about some of the best real estate investing strategies to get the best profits? Then read the following article. ?It talks about how invest in real estate using the most proven strategies.
There are many methods for building fortunes in the world today. One of the most accessible even for the common entrepreneur however is real estate investing. In fact, you will find many rags to riches stories are built by investing in the real estate marketing in one form or another if not many methods for investing in this lucrative but risky field.
Real estate is a great strategy for the investor who is willing to make the time to learn about the options, risks, and potential rewards for this type of investment process. Some of the more common real estate investments are the following:
1) Rental property. Property ordinarily gains value over time unlike many other investments that may rise and fall quickly and without warning. The problem is that far too few people can actually afford to hold and maintain multiple properties over an extended and indefinite period of time while waiting for the value to rise.
Many property investors manage to overcome this by renting the properties to tenants during the time when the property values are rising. This allows the tenants to essentially cover the note on the property and makes the venture a little less risky though there are risks involved when dealing with tenants (such as property damage, failure to pay the rent, and possible legal woes-the good tenants generally outweigh the bad).
2) Pre-construction investment. This is a highly speculative and very risky sort of property investment that has booms and busts. Many investors recently discovered exactly how risky this endeavor actually is when the property ?bubble? went bust so to speak. The risks involved in this type of investment should not cover up the fact that many millionaires have been created through pre-construction investing and many more will be created in the future.
Pre-construction investing, just as its name implies is a type of investment in which investors purchase ?options? on the property before ground is broken. This is very popular in high demand areas that are known to experience housing shortages as prices often rise quickly and the units are often sold before they are completed and any ?real? money exchanges hands.
3) Flipping houses. This is a type of property investment that has made leaps and bounds in the last few years thanks to the popularity of many popular home improvement and house flipping shows on cable networks in the last few years. More and more people have decided to pursue this sort of investment in hopes of creating big profits in a short amount of time and with minimal investment. The problem, of course, is that it always looks much easier on television than it is in person.
Couple this with the fact that many people have unrealistic expectations when it comes to costs and ability and there are plenty of risks involved with this type of investment as well. For those who are successful however, there is the potential for great profit in a relatively short amount of time as these televisions shows indicate.
4) Buy and hold. As mentioned above, real estate tends to gain value over time. Even if the buildings are in desperate need of TLC and repair the very land they are standing on is more often than not gaining value as the years pass by. Purchasing large lots of land or even several houses and holding on to them for as long as possible before selling can often fund college educations for children, pay for weddings, or greatly supplement retirement funds.The longer these properties are held the better in most cases as this provides the greatest opportunity for the value of the property to increase.
5) Lease options. There are few people in this world who never experience rough spots financially. Many of these people are denied traditional home loans because of their inability to cover debts properly in the past. For this reason they are often willing to pay for the privilege of rebuilding their credit while working towards a path of home ownership. For these people, a lease option presents a workable and often valued solution. Those investors who are willing to take the risks often find the rewards are well worth those risks.
These are only some of the investment opportunities that exist for those who are interested in real estate for an investment avenue. There are commercial real estate endeavors that have the potential to bring in big profits as well as the development and planning of housing communities as well. Needless to say real estate investing offers many opportunities to the savvy investor.
MOGADISHU, Somalia (AP) ? Somali leaders are debating a new constitution that protects the right to have an abortion to save the life of the mother, and an international law group says the draft guarantees more fundamental rights than the U.S. Constitution.
That's one reason some women are celebrating the document and hardline conservatives are protesting some of its more liberal promises.
But some of the rights introduced, such as the right to medical care or clean, potable water, will be hard for the government to guarantee in a country where basic needs like food are not always met. While other elements, such as banning the circumcision of girls, a practice the U.N. says more than 95 percent of women have undergone, will take years to banish.
Somali leaders ? 825 of them ? began a nine-day meeting on Wednesday to examine, debate and vote on the constitution, a document that's been years in the making. A vote by the group, known as the National Constituent Assembly, is likely to be held late next week and is a key step in a flurry of political activity in Somalia over the next month.
The U.N. mandate for Somalia's current government expires on Aug. 20, and Somali leaders are to vote on the constitution, vote in a new 275-member parliament and then vote on a president all before then. If the assembly votes down the constitution, the new parliament will have to debate it and then vote on it.
Somali Prime Minister Abdiwali Mohamed Ali, who for years lived in western New York, called the gathering of Somali leaders a milestone and said the new constitution "is a symbol of justice and equality for our people and country." He said that the new constitution is only meant to be temporary. The eventual goal is to pass a constitution by countrywide vote, but the security, money and organization needed to hold a nationwide vote is still years away. Al-Shabab militants were pushed out of Mogadishu last year but still rule south-central Somalia.
The current constitution is the Transitional Federal Charter, which was written in 2004. Meant only as a temporary charter, it contains fewer rights than are spelled out in the new draft constitution.
The draft constitution makes it clear that Islamic law is the basis for Somalia's legal foundation. No religion other than Islam can be propagated in the country and all laws must be compliant with Shariah ? Islamic ? law. Despite those clauses, the constitution also says that "every person is free to practice his or her religion," though no other religions are mentioned in the document.
The draft guarantees minority rights but does not mention homosexuality. It says no marriage is legal without the consent "of both the man and woman," a formula that appears to define marriage as a heterosexual institution but one that also forbids child marriage.
Augustine P. Mahiga, the U.N. representative for Somalia, said the constitution will "bring Somalia into the 21st century on issues such as fundamental human rights and freedoms, including empowerment of women."
But women's rights in a country as conservative as Somalia is sparking debate between conservative hard-liners, progressive leaders and women. Draft language in some government documents stipulates that 30 percent of the parliament seats should be held by women, but the draft constitution offers no such guarantee.
"Our religion does not allow women to hold an elected position in the country," Sheikh Mohamed Abdi, the leader of a Mogadishu mosque. "So this is a clear contradiction to the teaching of Islam."
The prime minister's office, in an emailed news release, sent out a picture showing a woman holding up a sign at the meeting of 825 leaders on Wednesday: "Where is our 30 percent?" it said in English.
"We believe this is the best constitution we have ever seen in Somalia," said Salado Nur, a member of the assembly. "We hope the violation of women's rights will decrease or be stopped completely."
The English translation of the Somali language constitution is 88 pages long. It was drafted by international law experts and members of the Somalia Diaspora who have lived in the U.S., Canada, Britain and Australia, said Kym Smithies, a U.N. spokeswoman.
That international expertise and the overseas experience of the Somali ex-pats may explain the draft's numerous individual rights.
The International Development Law Organization, a group that offers legal expertise and resources to governments and civil society groups, said earlier this month that it compared Somalia's draft constitution for the presence of fundamental rights to those from 53 of the 56 member states of the Organization of the Islamic Conference, as well as the constitutions of Italy and the U.S.
"Notably, across the 45 fundamental rights surveyed, the draft Somali constitution guarantees 36, which places Somalia in the top five of the countries surveyed in terms of these rights," the group said. "The Somali (draft constitution) guarantees six more fundamental rights than the Constitution of Italy, and 15 more than the Constitution of the United States of America."
For all of the rights that the constitution enshrines, its most controversial issue for some members of the constituent assembly is that it does not expressly cite Mogadishu as Somalia's capital.
"Mogadishu has been Somalia's capital for the past hundreds of years and that has been stipulated in all of Somalia's constitutions and charters," Yusuf Nor, a high school teacher in Mogadishu said. "Why not just say Mogadishu is the capital of Somalia? What is the problem with that?"
Somalia adopted an initial constitution after gaining independence from Britain and Italy in 1960 and updated it in 1979. But Somalia's government structure broke down completely in 1991, when the country fell into civil war, and the country has not seen a true federal government since.
The international community is now working to help legitimize a new federal government that can assert control over the country, a task made more difficult by years of warfare and corruption.
Also, the new draft constitution appears to make promises that will be hard for the government to keep. In a country where basic needs like food are not always met, the constitution says that every person has the right to clean, potable water. Every person has the right to health care, even if they can't pay for it, the draft says, another difficult-to-fulfill promise.
No marriage is legal without the consent of both the man and the woman, it says. No child may perform work that is not suitable for a child's age ? another clause that defies reality in a country where an enormous number of children work. Each child is to be protected from armed conflict, it says. Somalia has a history of child soldiers on both the government and insurgent side.
"All citizens, regardless of sex, religion, social or economic status, political opinion, clan, disability, occupation, birth or dialect shall have equal rights and duties before the law," it says. Circumcision of girls is "a cruel and degrading customary practice, and is tantamount to torture. The circumcision of girls is prohibited."
The draft constitution says that abortion is contrary to Shariah law and is prohibited "except in cases of necessity, especially to save the life of the mother."
Sheema Sen Gupta, head of child protection at UNICEF Somalia, lauded the government's work to ban female circumcision. "There is however a need now to work closely with the religious leaders who have been very supportive of our efforts to end this practice and with community elders to ensure that it is abandoned as soon as possible," she said.
Losing weight, or more specifically fat, is not really rocket science ? you just need to eat a little less and move a little more. There are certain ?rules? you should adhere to that will make the process as easy and effective as possible and if you stick to these 90% of the time, you should reach your desired body composition levels without too much drama. There really is no need to starve yourself, eat obscure or unpleasant foods or take buckets of supplements in your quest to get lean. That?s not to say these approaches don?t work ? they generally do, it?s just that for all the extra effort and cost, you?ll only see a marginal benefit to your fat loss.
So, without further ado, here are my top 10 fat loss tips!
Consistency is king Eating a really healthy meal is great but if it?s one meal a day and the rest are packed with sugary junk, you won?t achieve anything. You need to eat well at virtually every meal, every day, seven days a week and for months on end. Don?t pick an extreme diet that you can?t stick to. Instead go for a more moderate approach that you will have no trouble maintaining for the foreseeable future.
Go natural Natural and unprocessed foods should be your main staples. Food that comes in packets usually contains lots of additives and is basically unrecognisable as real food (what part of a chicken is a nugget anyway!) and should be avoided most of the time. If the food label reads more like a list of chemicals, leave it on the shelf and seek out more natural foods instead.
Build each and every meal around protein, vegetables, whole grains and healthy fats If you follow this formula, every meal you eat will be aligned to your goal of fat loss and health. For example, grilled chicken, roast mixed vegetables, wild rice and olive oil dressing. Alternatively, steamed salmon, large green salad, quinoa and homemade tartar sauce. Healthy eating really is that easy!
Snack wisely There is nothing especially wrong with snacking. If you are hungry then you should eat. But, snacks should be protein based whenever possible as protein boosts your metabolism and doesn?t tend to contribute to fat storage. Nuts, lean cold meats, even cheese in moderation are good snack choices. Fruit is fine but generally best consumed just before or just after exercise ? more on that later in point number 6.
Don?t drink your calories Calories in liquid form, e.g. soda, coffee drinks etc, don?t register in the hunger centres of your brain and subsequently you can drink a whole bunch of liquid calories and then eat lots as well, happily unaware just how much energy you have consumed. Stick to calorie-free and very low calorie beverages like water, coffee, all teas and more water. Leave the double mega frappachinos well alone!
Time your carbohydrate consumption around your periods of activity Carbs often get a bum rap as being responsible for weight gain. While it is true, too many carbs can result in fat gain, especially if you are inactive, too few carbs can severely limit your training performance and recovery from your workouts. Rather than eliminate carbs from your diet entirely, I suggest you consume the majority of your carbs in the two hours before and after exercise. The closer you are to your workout, the higher the glycemic index can be so if you really want a plate of white rice, have it right after your training session. The more active you are, the more carbs you need. The less active or less lean you are, the less carbs you need. Simple!
Don?t wait to be hungry Hunger is a message from your brain saying that blood glucose levels are low and you need to get out and hunt and gather soon. Needless to say, the modern equivalent of hunting and gathering usually means walking to the vending machine and buying a Mars bar. To avoid making bad food choices as a result of hunger, adhere to the tips above and don?t let yourself get hungry in the first place. And, definitely do not go grocery shopping when you are hungry ? you?ll end up buying nothing but fast-acting carbs and that will really undermine your fat loss quest!
Take time to enjoy your food Sitting down and being aware of what you are eating can really prevent overconsumption. It?s all too easy to park your butt on the sofa, turn on the TV and eat, eat and eat some more without realising how much you have actually choked down. I call this the distraction effect. Instead of letting the distraction effect derail your fat-loss efforts, sit at a table and eat your meal like your parents probably insisted you did as a kid. That way, you won?t lose track of how much you have eaten. Also, if you do decide to eat in front of the TV, avoid domino foods. A domino food is a food that, once you eat one, you are bound to eat more. For me, that food is cookies ? one is never enough. As I can never stop at just one cookie, I tend not to eat them at all. Nuts, crisps, sweets, dried fruit and grapes are all good examples of domino foods where as apples are not!
Don?t swap fat for sugar One of the biggest nutrition buzzwords ever is low fat. You can get low fat desserts, low fat cookies, low fat ice cream ? just about any food you shouldn?t really be eating comes in a low fat variety. The trouble is, low fat often means high sugar which is actually worse. Sugar spikes your blood glucose and therefore your insulin levels which will significantly hamper your fat burning efforts. Fat, on the other hand, has very little impact on your blood glucose. You don?t need to completely avoid dietary fats and you definitely don?t need to swap them for sugar! Eat natural fats in moderation and you?ll actually be more able to burn fat. It takes fat to burn fat ? crazy but true!
Give yourself a break! 100% dietary compliance might sound ideal but the reality is it?s unlikely. Accept this from the very outset of your new eating regime and actually allow yourself about 10% ?wiggle room? per week where it?s okay to relax your strict pattern of eating. Depending on how many times you eat per day/per week, this means you can have between two and four treats per week without worrying too much about derailing your fat-loss endeavours. This?doesn?t?mean you go nuts and eat a pint of ice cream all by yourself a couple of times a week. No, instead, if you want a slice of pizza with your salad instead of a chicken breast or fancy a small bar of chocolate instead of an apple, it?s okay to do so. But not too often!
So there you go ? 10 easy tips you can start implementing right now to help you lose fat, firm up and get healthy. If any diet that you are contemplating is much more complicated than that, I really think you should give it a wide birth and move onto something simpler. Losing fat really just a matter of thermodynamics ? eat a little less, exercise a little more and burn fat as a result. The trouble is, I can?t make a million out of writing a book like that!
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Tags: all about fat loss, brilliant fat loss tips, how to lose weight
This entry was posted on Wednesday, July 25th, 2012 at 8:00 am and is filed under Diets, Weight Management. You can follow any responses to this entry through the RSS 2.0 feed. Responses are currently closed, but you can trackback from your own site.
Finance | Personal Finance | * Written by Cory Pinnock | Wednesday, 25 July 2012 01:40 | Word Count: 727
Expect the unexpected whenever you are in the business of forex trading. Forex trading market is known for its movements and also hardly any buyer can anticipate its shifts. In this sort of scenario, investing cash in forex trading is practically just like placing hard earned cash jeopardized in gamble. But clever investor of the modern day greets many hedging strategy to secure his investments in damaging scenarios. This report focuses on some of the renowned currency hedging techniques.
A large number of Foreign exchange investors opt for currency forward contract to hedge their investments. Contract holder is actually required to purchase or sell foreign currencies at pre-specified price, quantity as well as day in this hedging technique. These contracts can't be shifted by the contract owner. The details talked about in the agreement have to be put into practice thoroughly. The main benefit of currency forward contract is actually that it shields your account against movements as well as you have clear thought regarding just what particular account will you obtain when the agreement ends.
It is pretty important for buyers of the modern-day to master strategies concerning post trade risk management. Your capital is at threat the minute you jump into unstable market of foreign currency trading. There are numerous sorts of hazards including credit risk, operational risk, legal risk and also others coming your path when you are trading foreign currency. To start with, the buyers should distinguish whether the risk is escalating or lessening. Product intricacy, product variety and constantly increasing quantities are the signs of increasing chance. Likewise, minimizing danger additionally has its private impressive characteristics such as functional convergence and utilities consolidation. The buyer needs to review the currency market closely to ensure that? he can understand whether the possibility is increasing or minimizing as well as prepare his strategy consequently.
Another handy hedging technique is forex trading options. Currency options supply the buyers authority and not the obligation to sell or buy currency at the set stretch of time and exchange rates. Currency options offer the holder right where as in currency forward contract, the contract holder is obliged. In order to get his investments hedged, buyer has got to shell out a token payment to the agent as per the quantity of agreements. As soon as you hold currency options, you have authority to demand predicted sum even if the industry is going through a bearish stage.
You will discover varieties of foreign currency options. You have to pick what suits you the best. For examples, it is possible to encash European option simply when it ends. Investor is provided a lot more flexibility when he chooses American option since they are able to encash it every time they want before termination. Bermudan option is actually a distinctive type of option which lets buyer to employ it on predetermined dates just before expiration solely. A huge class of options possessing elaborate fiscal structure can be put into class of exotic options. Any different option than exotic options is actually named as vanilla option. Foreign currency options are available in wide variety in the industry. Investor needs to decide which will make him maximum rewards.
These days there are a huge number of web sites that will assist investors to take smarter decision relating to foreign currency trading. You can select the internet site that offers the most effective commercial foreign currency services. Ahead of deciding on the web-site, make certain that it keeps secrecy concerning your steps and also currency exposure. Additionally you have to make certain on the name of commission your profit margin isn't swallowed up by the internet site. In order to avoid all chances of scam, you should carefully check the plan provided by the web site. Foreign currency trading is absolutely no more a risk together with a huge number of currency hedging options. Buyer should decide his comfort zone and then pick the strategy keeping that in mind. Are you prepared to start the trip on the way to thriving accomplishment in the foreign exchange market?
Cory Pinnock is basically a forex investor doing the job together with a top forex consultancy corporation. He has substantial experience in the niche plus is actually acknowledged for his keen sense of intelligent investment. His online posts on this subject are put into practice by a wide readership.
Best Business ideas for 2012|Small Business Ideas|Home Based ?createliberty.com/Best home based business ideas for 2012. Top small business ideas to start in 2012. Home based businesses.Home Based Business ideas for 2012trustedhomebusinessguide.com/home-based-business-ideas-for-2012/It?s time to look into one of the best possible home based business ideas for 2012, there is no time to rest for those who wish to make money in the future.best Home Based Business 2012 ? Business ideas for 2012businessideasfor2012.org/best-home-based-business-2012.htmlWhat?s the best home based business 2012 idea? Many people might assume you are mad to consider creating a business, right now. the overall financial ?best Home Online Business ideas for 2012/2013businessno1.com/Most profitable home business ideas for 2012/2013. ? to Start An Home Online Business? these are the best 2 options for home online business in 2012.Legitimate Home Business Opportunities & ideas | Scam Free | Top ?homebiz-direct.com/businessOpportunities.htmlHere are my current top 10 home based business opportunities and ideas for 2012. All of the ideas and opportunities below involve a small fee to get started, ?Home Based Business ideas | Entrepreneur.comentrepreneur.com/homebasedbiz/homebasedideas/index115320?our home based business ideas guide will help you choose the right home business for you. ? An Entrepreneur?s Top Leadership Challenges ? and How to Meet them. Comment ? Money ? Magazine ? On Newsstands: February 2012 ?Home Based Business | At Home Business Opportunities ?entrepreneur.com/homebasedbiz/index.htmlApr 6, 2011 ? Start a Home Based Business or At Home Business Opportunity! ? On Newsstands: February 2012 ? More in Home Based ideas ? ? Learn best practices from inspiring entrepreneurs leading change in their industries.Franchise 500 | Top 10 Franchises | Entrepreneur.comentrepreneur.com/franchise500/index.htmlStartup FinancingSuccess StoriesHome-Based Business ? Starting a ? How to become a Carbon-Neutral Business (Video) ? the Top 10 Franchises for 2012 ?best Online Business Opportuntities to Start|2012 most Profitable ?createliberty.blogspot.com/2012 best online business opportunities to start. ? when I was looking for good home business ideas when I wanted to start another business I ran ?.. A good home based business to start that will be a money making business for you will ?Entrepreneur Ideas|Best Start up Business ideas for 2012!articlemagick.hubpages.com ? ? ? Business IdeasThe best Online Review of new Business ideas An Entrepreneur Could Ever Have to Make ? Running A Computer Home Based Business in Your Spare Time ?
Duration : 0:8:47
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BEST Home Based Business Ideas for 2012 & FORWARD ? Robert Kiyosaki
For most companies, selling 26 million of any product would be reason to jump for joy. For Apple, however, when it posted iPhone sales of just 26 million in the previous quarter, it was a disappointment.
[More from Mashable: Hands On: Speaker Transforms Your iOS Device into a Desktop Phone]
Analysts had predicted Apple would sell about 29 million iPhones, a drop from the 35.1 million sold the last quarter, but a manageable one. But 26 million is more like a free-fall -- especially when you consider Apple's iPhone sales increased over the same period in 2011, even though that year's new model, the iPhone 4S, was still months away from being announced.
As CEO Tim Cook himself observed on Apple's earnings call, speculation about the next iPhone -- the so-called "iPhone 5" -- may have played a part. After all, if you're thinking about buying an iPhone, and you're convinced Apple will debut its latest and greatest smartphone in a few short months, why wouldn't you wait?
[More from Mashable: Apple?s Q3 Earnings: The Infographic]
It's not quite that simple, though. The same thoughts surely occurred to buyers last year, but there was no drop in sales until the summer, even though rumors were arguably even more rampant. There are two greater forces at work here: 1) The technologies that are rumored to be coming to the next iPhone are generational leaps in mobile tech, not mere incremental upgrades. And 2) Android is offering those very technologies, giving competing phones a greater edge.
So if you're in the market for a smartphone today, is it a good idea to still wait patiently for the iPhone 5 (which, based on past history, is due to launch in the early fall) or should you start eyeing the competition? And why not get an iPhone 4S anyway? It's still relatively new. Here's what you should be thinking about:
Leaps in Mobile Tech
Apple, of course, hasn't said one word about what the next iPhone will be, or even if there'll be one. However, per usual, there are dozens if not hundreds of rumors and alleged leaks about what features the iPhone 5 will have. A couple of the most talked-about abilities the iPhone 5 might have are 4G LTE and NFC (near-field communication).
Anyone who's used an LTE phone can tell you it's a huge leap in connection speed over 3G technologies, which are what current iPhones all have (misleading indicators on the AT&T version be damned). There's simply no way the iPhone 5 doesn't have LTE. The connections give a speed boost to all data tasks -- from watching HD videos to downloading email attachments.
However, this doesn't come free. In addition to buying the new phone, you may want to get a new data plan, since LTE phones, by their nature, eat up data much more quickly. Also keep in mind that the carriers are pushing for users to switch away from unlimited plans. The carriers haven't said anything about what sort of plans will be available for the iPhone 5 either, but it seems doubtful any unlimited plans will be in the cards, even "grandfathered" ones.
Then there's NFC, the extremely short-range wireless tech that enables mobile payments. This feature is becoming so commonplace on phones that it's hard to see Apple ignoring it yet again. In addition, many see Apple's introduction of Passbook in iOS 6 as its first step into the mobile-payments space. Apple needs to have NFC in the next iPhone if it hopes to have any real influence there.
Besides the addition of LTE and NFC, there looks to be a strong chance Apple will pump up the size of the iPhone's screen to at least 4 inches and shrink the dock connector to a mini-size proprietary plug. Both upgrades have obvious advantages, although a smaller jack would present an issue for anyone who uses a lot of legacy iPhone accessories. While Apple would be crazy not to release an adapter, it might not be included with the phone and it's not necessarily something you'd carry around with you in any case.
At the same time, a smaller dock connector would help Apple improve on one of the features it holds up high: its thin design.
Android's Edge
So waiting for the iPhone 5 seems like a good idea, mainly for the high-speed LTE connection and larger screen, but NFC and a potentially slimmer phone are nice, too (again, all rumor). However, if you wanted all those features and aren't yet an iPhone user, you can get them all today from any number of handsets on the Android platform.
Besides all those hardware features, Android phones have better native camera apps than the iPhone's. Newer Android phones like the HTC One X and Samsung Galaxy S III are equipped with burst modes and the ability to snap pictures while shooting video. On top of that, with the latest OS software, Jelly Bean, Android phones can now match Siri in terms of voice abilities.
It's with the software, however, where Android falls down. Fragmentation is a huge problem for the platform, meaning once you commit to a device, it's a big question mark as to when the latest version of the Android OS -- or even the one before that -- will be available to you.
As for the other platform options, Windows Phone and BlackBerry, both Microsoft and RIM are planning major upgrades -- with new hardware -- in the next several months. As a first-time purchase, neither are really worth considering until then.
Waiting: Smarter Than Usual
While it's generally a bad idea to wait for a mythical product with phantom features, the iPhone 5 is a special case. We can reasonably predict what some of the major upgrades will be over the iPhone 4S, and they are indeed major (LTE being the biggie).
The iPhone 4S is still a fine phone -- it's thin, it has a well-performing processor in the dual-core Apple A5 chip and of course there's Siri. But speaking as someone who reviews competing phones regularly, it's starting to look, well, old. In addition to obvious advantage of LTE, competing handsets are thinner, faster, lighter and have bigger screens.
The iPhone 5 looks sure to have most, if not all of those things, too, but it won't get here for a few months. Should you wait? If you were thinking about an iPhone 4S, I'd say yes -- at least for most people. But if you're not yet married to Apple, the latest Android phones already have pretty much everything that will make the next iPhone special (probably).
Apple can blame rumors and speculation all it wants, but the bottom line is that the current iPhone is now a generation behind, technologically, the state-of-the-art phones of today. LTE, NFC and big screens aren't incremental upgrades -- they're the features that will define smartphones for the next few years. For anyone dead-set on buying an Apple phone that will stay current for more than a few months, though, the smart choice is to wait.
I want to build on Al?s previous post on legal history and bring the discussion into the classroom.
Last semester I taught a legal history seminar that I designed myself entitled History and Analysis of the Equal Protection Clause. And judging by my student evaluations, the students really enjoyed both me and the class. But one problem that I noticed was getting my students to discuss legal history on its own merits. That is to say, students did not seem much interested in what Al terms pure legal history. On the other hand, students were very open to discussing applied legal history.
Here?s what I mean. Students read pieces concerning the 39th Congress and the drafting of the Fourteenth Amendment. When the discussion was focused on what ?equal protection? meant in the 1860s with no connection to present-day controversies, class discussion was less lively. But, when the discussion was focused on what the ratifying generation's original understanding of ?equal protection? means for gender discrimination today, class discussion bustled.
It would be interesting if other professors have similar findings.
In the Huffington Post Barbara Ficarra, Founder of Health in 30?, asks is there too much hype in the mHealth app world?
When I last heard a good argument being put forward for the mHealth market being over hyped it was by John Chilmark Jnr, Health IT Analyst at Chilmark Research. This is interesting because John?s recently joined a mHealth startup (Prescribable Apps) founded by John Chilmark III.
John?s followed a classic ?Is mHealth a Market?, Is there too much hype?, If we can?t beat them let?s join them!? realisation process that I?m seeing happening in the world of eHealth/Health 2.0 as thought leaders there begin to appreciate the transformational new experiences that the newest mass media can support.
I hope the feedback on this article will boost Barbara?s confidence in the mHealth market and we?ll soon be welcoming yet more expertise and industry experiences to another cool new mHealth initiative.
My thoughts on the article:
?The Wild West of mobile health (mHealth) is taking the health care industry by storm, but ?there are no rules to the game,? said Joseph C. Kvedar, M.D., founder and director at the Center for Connected Health in a recent interview. Mobile health is a ?game changer,? he added, but there is a lot of hype because there are a lot of people developing health apps just to ?get rich quick.??
I find it odd that so many people think there are ?no rules to the game?. In my opinion in a world where Communities Dominate Brands the reverse is true: there have never been more and the punishment for ignoring them has never been so cruel.
Perhaps there?s an imagined problem that somehow smartphone apps offered by unrecognised brands and those without medical qualifications are being taken seriously by patients? A client paid me to investigate the ?alternative? mHealth market a few years ago and I was amazed at what I learnt. Asides from all the various ?this XYZ can protect you from mobile phone masts that are killing you? most of the scams involving mobile involved getting people to click online ads and enter their information and then following this up later with a deceptive telephone call in which they use this info combined with other information they collect/buy to convince their victim they are somehow blessed/magical/all-knowing in order to win their trust.
I?ve yet to see much evidence that smartphone apps are going to be able to achieve the same as there are still much easier ways that offer less chance of being detected eg. they?ll be all over Mobile advertising and Location Based Services before targeting Smartphone App Stores which have been forced to be much more up front with users about what information is being shared and when as a result of the development of mobile payment scams (eg. crazy frog subscriptions, etc).
A good point made later in the article highlights the speed with which this is certain to happen: ?There?s a lot of enthusiasm surrounding mHealth ? from mainstream media tapping into the mHealth rage to social networking sites exploding with discussions about mobility in health care?. In my opinion the get rich quick scammers are going to be up against this and a world where everyone can express an opinion and there?s so much passion/interest is going to prove very hostile to these scammers.
Thankfully when apps involve registered medical professionals who have real identities and are regulated by professional bodies (like the GMC or IMO) none of these approaches work or will be sustainable for more than a few hours.
?According to the U.S. Department of Health and Human Services, mHealth is ?the use of mobile and wireless devices to improve health outcomes, healthcare services, and health research.? mHealth includes gamification, text messaging, telemedicine/telehealth (remote patient monitoring), electronic health records, and health apps, to name a few?
Clearly I think this consensus definition is very inaccurate and this will become obvious as users of it begin to look beyond the device in the hand and to the Health opportunities that mobile networks can offer (these are obviously accommodated by a definition that recognises mobile as the newest mass media rather than as a device).
Examples of the mHealth potential of mobile networks are becoming much more obvious as public health authorities use network tech to better manage the way they handle incoming 911 calls, locate individuals who are lost, broadcast emergency SMS?s (eg. weather warnings, night time mosquito spraying notifications, etc), etc
?Despite mHealth being in its infancy, the revenue projections are significant?
The article uses optimistic projections made by research oganisations that make their money by selling research reports that ultimately wouldn?t sell if they didn?t boast optimistic market projections. In my book it?s quite simple: successful mHealth examples are already here and it?s been a massive driver of adoption of mobile ? the newest trillion dollar industry ? as it?s the thing that helped the need for mobile devices to expand beyond the early adopter phase because it?s what gave mobile the mass market initial consumer intelligible reason to have a mobile and keep it on (be reachable).
?According to a 2011 press release statement from Juniper Research, the number of mobile healthcare and medical app downloads will reach 44 million this year and will reach 142 million globally by 2016?
To put these numbers into context of the mobile market where most of the revenues are still made with native apps, look how many smartphones Samsung have been selling since the start of 2012 (nearly half a million a day!). By the end of 2012 Samsung alone will have sold more than twice as many smartphones as Juniper are predicting there will be apps downloaded.
Just think for a minute about the apps that are natively installed on these devices and how they can and are being used for healthcare purposes eg. a voice dialer that will let the user roam onto any network in order to make a call to emergency services while automatically sharing their network location data, a forward facing camera that can connect users with a remote Doctor, a calendar/alarm that they can use to set pill reminders, SMS so they can communicate with their Doctors office, an internet browser that they can use to look up information on a symptom or disease they are concerned about, a multimedia player that they can use to watch rich health videos, etc.
By 2016 S Health ? Samsung?s mHealth strategy ? will have easily dwarfed this Juniper statistic for downloaded apps with native ones eg. by 2016 it?s more than likely that there will be more than 300 million Samsung branded smartphones that have been sold and are in use that have native mHealth apps installed (and by 2016 all these devices will support HTML5 too).
?Consumers are downloading apps to help them stay fit, track their pregnancies, monitor their moods, eat healthier, and sleep better. They are also downloading apps for chronic disease management. They can manage their prescriptions, have medication reminders, and monitor blood pressure and sugar levels. Consumers can be empowered to take charge of their health, but right now navigating the array of health apps can be confusing. Consumers lack guidance on choosing a safe, secure, medically sound health app. Trying to navigate the health app craze without direction can be painstakingly difficult?
I?m not so sure this is true and I?m not so sure why anyone would presume consumers are so out of their depth on this. As I?ve written at length before the first thing a customer sees is an apps community rating and feedback, as soon as you click on an app it tells you who it?s developer is. One more click and you can see other apps by this developer. Another and you can report it.
I think the open access to app experiences is a very positive development that will help the development of mHealth Apps greatly as there are many lessons to be had from other mobile entertainment experiences just as the entertainment services on the internet have helped in the creation of the best healthcare experiences on the internet eg. anyone building a social community like Sermo or ACOR is building on the success of Facebook (a service that was started as a dating website), anyone incorporating rich video content onto their hospital website is building on the success of YouTube (a service that was started so people could share home videos), etc.
?Cleveland Clinic, Nike Fuel Band, American Red Cross, and Walgreens are known in the space, and consumers may find it easy to trust them and download apps associated with them. However, consumers may find it confusing to navigate the mHealth app world from companies that are off the radar. How do consumers know if the apps are safe and reliable??
Surely with a crowded app market this is only a problem for the companies that offer these apps to work out as without it they?ve no chance of even getting customers in the first place? Speaking from personal experience at 3G Doctor we?ve done this by putting a fully insured registered Doctor in your pocket and helping patients appreciate that we?re safe, reliable and to be trusted by letting them read our FAQs, what other people are saying about us and providing them with a fully documented consultation experience (currently only available to patients in the UK and Ireland).
?The FDA is prudent on drafting guidelines for developers, but will it stifle innovation? ?It may slow innovation, but I don?t know that it stifles it. Regulations do create barriers to entry as they set a high bar. But in so doing, they also create significant economic opportunities for those who follow the appropriate processes and win regulatory approval,? said Bill Crounse, M.D., Senior Director of Worldwide Health at Microsoft Corporation, in an email. ?I do think thoughtful regulation is required in the health industry to protect consumers. This is certainly true related to pharmaceuticals and medical devices to protect consumers from harm?
As partners of Microsoft (we?ve developed a 3G Doctor app for the HealthVault platform and will be announcing the availability of a new service with them shortly) I think it?s obvious that they?re well placed to help mHealth app developers innovate but I?d be a bit concerned that most app developers aren?t yet aware of the opportunity they have to work with HealthVault.
In my opinion before mHealth app data can properly add value and have the potential to go somewhere it needs to be aggregated on a secure accessible platform. Currently, the vast majority of mHealth apps are creating silos of data that effectively lock it up rather than letting it flow and add value.
As a backbone for the aggregation of this data the HealthVault platform enables developers to build multiple apps that can complement one another, aggregate data across time and share it back so that they can create permission based biofeedback mechanisms that can drive positive patient behavioral changes whilst enabling secondary care information technology and consumer health systems to operate seamlessly.
?The primary role of the FDA is to insure consumer safety,? notes Kvedar. ?Mobile health has the potential to get out of hand if not regulated. For example, there is an app that based on self input of one?s carbohydrate count; it will generate insulin dosing suggestions. Clearly this could be dangerous,? he added. ?While I don?t think the FDA process will ever eventuate in a ?consumer report-like? or ?D Powers-like? rating, it will be a filter. If apps get through the filter, we should at least be comfortable that they are safe?
I?ve commented on the FDA approach in much greater detail here. I?m not sure they?re anywhere near to being capable of insuring consumer safety eg. they?ve sent one of the USA?s biggest mobile R&D firms off down a dead end to look for fruit where there are no trees.
?Aside from safety concerns, there are ?two problems with health apps,? said Kvedar. First, after downloading the app, it may be used once or twice and then it?s forgotten, he said. ?There?s no engagement.? Secondly, health apps can be prone to error because the data that is self-entered by consumers may not be true. It?s a ?social diversity bias problem,? he said, because the data entered isn?t honest and there is no meaningful engagement to help change consumers behavior. After downloading health apps with enthusiasm, the ?shiny new toy isn?t so shiny anymore,? because there?s ?lack of interest and lack of engagement,? said Kvedar.?
As far as I can see these problems aren?t unique to health apps. The first applies to nearly any experience that lacks engagement (all the junk apps that no one uses). The second applies to nearly any service where the consumer might think they can benefit from dishonesty (eg. energy meters).
mHealth innovators are already creating solutions to these challenges eg. look how KP have added connectivity with carers to make their Mobile first strategy engaging, look at how Alivecor has linked it?s embedded ECG tech with cloud based storage so there?s no room for patients to effectively tamper with medical data, look at how interactive medical history taking questionnaires can help patients share their important history to their Doctors in a more honest way, etc.
?Happtique, a mobile health application store and total app management solution released a draft of the standards that it will be using to certify medical, health, and fitness apps under Happtique?sApp Certification Program. The purpose of the program is to help users identify apps that meet high operability, privacy, and security standards and are based on reliable content? ?Happtique App Certification Program represents a major step in setting standards for safe and reliable health, fitness, and medical apps. Certification will assure users that the app meets security, usability, privacy, and content standards. Happtique has curated and categorized over 12,000 apps to date in over 300 categories?
I think it might be helpful to write a longer post on my thoughts on Happtique?s approach but I think it?s a bit of a stretch to be referring to an app that provides reviews of other apps as a ?mobile health application store and total app management solution?.
Beyond the marketing and discovery benefits it could offer mHealth app developers I?m not so sure that it?s Certification Program will be able to differentiate apps enough eg. whilst I can?t imagine any patients refusing to use an app their Doctor prescribes them if it doesn?t have a certain ?hAPP? rating, I could easily imagine the certification process being undermined by a patient being reluctant to download an app prescribed by their Doctor that had a high Happtique rating but also had strong negative reviews on the Apple AppStore download page.
?Mobile technology has allowed consumers to receive information at lightning speed and gives consumers health and wellness apps that can help improve their health care. Mobile technology may help to transform the lives of patients and provide a stronger partnership with health care providers?
Here in Ireland there are 50,000 Doro EasyPhone customers many of whom are living independently thanks to their mobile phones. I?m not sure many of them would agree with the assumption that this ?may help? as for many of them it?s already a critical part of the means by which they maintain their independence ? that?s if it?s not considered a lifeline.
Of course whilst this is rarely recognised by those of us who today take mobile connectivity for granted it?s not new eg. mobiles are giving reassurance to the independently living in ways similar to how Marconi?s invention more than a century ago began to take much of the fear out of journeys on the seas.
?Bottom Line. Consumers need safe, reliable, trustworthy apps to help guide their health and wellness and help them manage their chronic diseases. The health app world needs guidance. The vast assortment of apps to choose from makes it difficult for consumers to navigate. Which apps are reliable, trustworthy, and medically sound? Joseph Kvedar, M.D., Justin Major and Carol Colman are actively involved in writing a series of books for consumers titled Wellocracy; it?s the first in a series of books to help consumers navigate the ever-growing and dizzying array of health apps?
I can?t wait to buy this whole set of books so I can donate it to a museum. I?ve shared with you the mHealth Space Pen and I?m quite confident this set of books will be the fastest horse the eHealth industry could develop?
?So, how do consumers navigate the crowded world of health apps? ?Common sense rules,? he said. If consumers think it?s a ?magic app,? it probably isn?t. In this exciting world of health care where technology rules, one thing is for sure, technology will never replace the doctor/patient relationship (or health provider/patient relationship). Face-to-face communication with health care providers will always be paramount?
It always amazes me that it remains so difficult for many to even consider that some of these mHealth Apps (eg. Skype, Facetime, 3G Mobile Video Calls, GTalk Video Calls, etc) will be the way those paramount face-to-face communications are conducted?
?It doesn?t seem as if there is too much hype ? just little guidance. The push to move the mHealth app world forward may be in the power of consumers to clamor for health and wellness apps that are safe, reliable and trustworthy, developed by companies who are not just those looking to ?get rich quick,? as Kvedar said?
In a world where VC?s are voicing their concern that there?s not enough to protect apps from would-be copiers I think the idea of companies thinking there?s a get rich quick opportunity is unlikely.
My thoughts on the comments:
LymphomaJourney: Liked the piece. But not convinced that these will necessarily change peoples behaviour. The lowly bathroom scale, around for years, has not made any difference to increase in obesity rates.
I always wonder why this is used as a counter to the idea of value of monitoring health data. How would anyone know the bathroom scale is so ineffective? Perhaps the obesity rates would be even higher than it is today? Perhaps the reason it?s made so little difference is we have an idea of what to expect? Perhaps the ineffectiveness is directly related to the lack of engaging feedback?
I?m optimistic that Mobile will connect the things that should be connected and that the weighing scale is most definitely one of these things. I?ve already seen some interesting results in clinics where they?ve introduced A&D digital scales (that automatically log data into the patient electronic records) so as this connected technology gets increasingly adopted in patients homes (as the result of mHealth brands like VitaDock?s TargetScale and Withings Body Scale) I?m expecting even more as patients and their communities can leverage this data to support one another achieving goals.
I also think things there will be a transformation as these connected devices start uploading into patients HealthVault records so that their Doctors can start pushing healthcare to them at times when things are changing rather than after they?ve changed.
mHealthMarket: In our view, mobile health will eventually bifuracate into two distinct markets: a regulated industry, deployed by hospitals, doctors and ACOs, and an unregulated direct-to-consumer industry of diet and exercise apps. These two industries will feature dramatically different investment, pricing, ROI, marketing and management issues http://mobilehealthmarketnews.com/what-is-mhealth-ii/
I think it?s unlikely that two distinct systems will develop as I?m optimistic that the regulated industry is waking up to the preventative healthcare opportunities and to try to engage patients before they get sick (or notice that they?re ill) they?ll need to get very imaginative?
?dereknewell: ?Health ?apps? will transform healthcare and it is certainly the wild west right now. The main thing we need is apps that connect to the healthcare system?
I think Derek?s hit on a massive challenge for the smartphone mHealth app market here. In my opinion the Microsoft HealtVault platform approach is the most viable way of achieving this at scale.
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