Saudi men vote in local elections (AP)

RIYADH, Saudi Arabia ? Men in Saudi Arabia cast ballots Thursday in local elections, the second-ever nationwide vote in the oil-rich kingdom. Women don't have the right to vote this time around, but will be able to do so in 2015.

The election for local councils illustrated the slow, limited steps that the ultraconservative kingdom, a staunch U.S. ally, is taking in allowing some popular voice in its government. The councils are one of the few elected bodies in the country but have no real power, mandated to offer advice to provincial authorities.

Saudi Arabia does not have a parliament. Instead, it has a Shura Council, an assembly appointed by the king with a similar mandate to advise, but not legislate.

On Sunday, King Abdullah ? who is seen as a relative reformer ? decreed that women would be allowed to vote in the next local elections, scheduled for 2015. He also said women will be appointed to the all-male Shura Council.

The local council vote was initially due in 2009 but was postponed. The kingdom has 1.2 million registered voters out of 5 million men who could be eligible to vote.

In Thursday's election, more than 5,000 men are running for 1,056 seats on the nearly 300 local councils nationwide.

Saudi media said voting went off to a slow start but was expected to pick up later in the day.

Abdullah, seeking to insulate his nation against the anti-regime uprisings sweeping other Arab nations, announced earlier this year a $93 billion package of jobs, incentives and services for Saudis.

His decree Sunday on women was also seen as a nod to the Arab world's season of change and the yearning for greater social freedoms among a segment of Saudi society.

It was a significant step forward for Saudi women. But women continue to bear the brunt of their nation's deeply conservative values. They are unable to serve as Cabinet ministers, drive or travel abroad without permission from a male guardian. They are often targeted by the kingdom's intrusive religious police, who enforce a rigid interpretation of Islamic Shariah law on the streets and public places like shopping malls and university campuses. Many proponents of women's rights questioned why they had to wait four years to vote.

Source: http://us.rd.yahoo.com/dailynews/rss/energy/*http%3A//news.yahoo.com/s/ap/20110929/ap_on_re_mi_ea/ml_saudi_elections

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Reyes gets hit to boost average, quickly exits

/

By HOWIE RUMBERG

updated 7:25 p.m. ET Sept. 28, 2011

NEW YORK - Jose Reyes heard the boos when he was lifted for a pinch runner. Mets fans wanted to see more.

At least another at-bat or two. At least another season or two.

It was an afternoon of mixed emotions for the effervescent shortstop in what could have been his last game in a New York Mets uniform, a 3-0 win over Cincinnati.

After a bunt single in the first inning Wednesday, he was finished. His day and year done, Reyes headed home to watch Milwaukee's Ryan Braun try to overtake him for the NL batting championship.

"It was kind of tough," Reyes said. "I want to stay in the game. They have to understand, too, what's going on. They have to feel happy about it if I win the battling title."

The hit elevated Reyes' average to .337057 and gave him a 2?-point lead over Braun, who was at .334525 going into Milwaukee's regular-season finale against Pittsburgh. The Mets have never had a batting champion, and Braun could edge out Reyes by going 3 for 4.

The dynamic All-Star with a broad grin and bouncy dreadlocks bunted Edinson Volquez's second pitch down the third base line, and a charging Juan Francisco couldn't pick up the ball.

Fans booed again when Reyes' replacement at shortstop was introduced by the public address announcer, and on the SNY telecast former Mets star Keith Hernandez called the move "disappointing."

Preparing for his game in Milwaukee, Braun didn't fault Reyes for leaving after just one at-bat.

"I'm not going to judge him," Braun said. "I respect whatever decision he decided to make and ultimately, he left the door open for me. It's not impossible. I've gotten three hits in a game plenty of times. So, it's still attainable, it's still a possibility."

Manager Terry Collins, finishing up his first year as Mets manager, had to fight back tears as he explained why he took out Reyes so early.

"I understand. I heard some comments in the stands. I don't blame them. People pay a good price to come to these games. You've got to understand that I ask these players to do a lot," Collins said before taking a long pause. "We worked hard to get their respect this year, and they deserve ours."

Signed by the Mets as a 16-year-old out of the Dominican Republic, Reyes can become a free agent after the World Series. In a season interrupted by leg injuries that caused two stints on the disabled list, he scored 101 runs and led the majors with 16 triples.

Fans chanted "Please stay, Jose!" throughout the ninth inning, and he gave a salute to the crowd as he walked off the field. Chants of "Jose Reyes!" continued after he threw his hat into the stands as he disappeared into the home dugout at Citi Field for perhaps the last time.

"I always say, I want to stay here," Reyes said. "We're going to see what happens in a few weeks. I just need to sit down with my agent and make a plan."

Reyes planned to host 15 to 20 friends at his home to watch Braun's progress. If Reyes wins the title, friends in the Dominican Republic intended to hold a parade for him in his hometown.

"You never know what's going to happen," Reyes said.

Miguel Batista (5-2) pitched a two-hitter for his 11th complete game, his first since July 19, 2006, for Arizona against the Los Angeles Dodgers. He allowed a one-out single to Edgar Renteria in the first and leadoff double to Chris Heisey in the second.

"My goal was to stay out there as long as I could," Batista said.

Queens product Mike Baxter hit his first big league homer, a two-run drive into the bullpens in right-center off Volquez (5-7) in the sixth. Nick Evans singled in a run in the fourth.

"I thought I pitched a very good game," Volquez said. "I'm really happy I pitched deep into the game, threw a lot of strikes."

The Mets, beset with financial issues, traded Carlos Beltran and Francisco Rodriguez during the season, lost David Wright for several months with a back injury and finished their third straight losing season at 77-85, two more losses than last year.

Cincinnati also had a disappointing season, winding up at 79-83 after winning the NL Central last year with a 91-71 record.

"We're going to work on our areas of improvement. Getting our front-line guys back out there, stay healthy. That's what winters are for, to build and enhance," Reds manager Dusty Baker said.

Before the game Baker said the Reds were playing to "get off those nines," but Batista was able to keep Joey Votto and Jay Bruce from rounding out their numbers. Votto went 0 for 3 to end the season with 29 homers and Bruce failed to get the three RBIs he needed for 100.

NOTES: The Mets honored groundskeeper Pete Flynn, who is retiring after 50 years with the organization. ... The Reds' Drew Stubbs ended Mark Reynolds' run of three straight years leading majors in strikeouts. Stubbs struck out 205 time and Reynolds had 195 heading into the Orioles' season finale Wednesday night. ... The Mets announced a crowd of 28,816, giving them a final attendance of 2,352,596, a drop of about 7 percent from last year and their lowest total since 2004, when they played at Shea Stadium.

___

AP Sports Writer Colin Fly in Milwaukee contributed to this report

Copyright 2011 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.

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Down to the wire

??HBT Extra: Craig Calcaterra gives Tiffany Simons his predictions as the NL and AL wild-card races go down to the final night of the season.

Jim Rogash / Getty Images

HBT: 4 teams, 2 playoff spots, 1 exciting day

HBT: The final day of baseball season certainly won't be lacking in drama. Tied with the Rays, the Red Sox put their faith in Jon Lester as they try to avoid an embarrassing collapse. In the NL, the Braves aim to hold off the hard-charging Cardinals.

Source: http://nbcsports.msnbc.com/id/44695688/ns/sports-baseball/

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Jurors presented tales of Jackson's promise, pain (AP)

LOS ANGELES ? Jurors in the involuntary manslaughter case against Michael Jackson's personal physician were presented with two portraits of the pop superstar during the first day of testimony ? one of an entertainer motivated to succeed at his first concerts in nearly a dozen years and the other of a man too damaged at times to perform.

The panel that will determine Dr. Conrad Murray's fate also got a sense of Jackson's international stardom after one of the promoters testified that after the singer's 50 comeback shows planned for London sold out, there was still demand for 50 more.

Jackson would never return to the stage, dying unexpectedly in June 2009 at age 50. Prosecutors drove the point home early in opening statements Tuesday, showing jurors a picture of a lifeless Jackson laying on a hospital gurney.

Hours later they played four minutes of Jackson's final rehearsals of two songs. His mother, Katherine, dabbed her eyes with a tissue as video of her son singing "Earth Song" filled the courtroom.

Jackson's persona was present throughout the trial's opening day, although prosecutors are now moving their case toward the events that led to his death and their immediate aftermath. Testimony from Paul Gongaware, an executive with concert promoter AEG Live will continue Wednesday morning, and he will be followed by one of Jackson's bodyguards and a personal assistant.

Days before Jackson's "Earth Song" performance during a rehearsal at Staples Center, the superstar's health prompted friend and collaborator Kenny Ortega to question whether the singer needed serious help. He had just spent hours cradling the singer, trying to warm him from deep shivers that kept him from rehearsing.

"He was like a lost boy," Ortega wrote in an email to promoters five days before Jackson's death. "There may still be a chance he can rise to the occasion if we get him the help he needs."

The email drew a rebuke from Murray, who Ortega said told him not to try to play amateur doctor or psychologist. Five days later, the singer was dead.

Prosecutors allege Murray caused Jackson's death by providing him with a lethal dose of the anesthetic propofol and other sedatives without the proper lifesaving equipment or skills. In opening statements, Deputy District Attorney David Walgren said Murray delayed summoning emergency crews and lied to doctors and medics when he failed to reveal that he had been giving Jackson the medications to try to help the entertainer sleep.

One of the day's most stunning moments came when Walgren played a recording of a conversation between Jackson and Murray in which the singer detailed what he wanted out of the shows. Jackson's voice, though recognizable, was slow and slurred.

"We have to be phenomenal," Jackson is heard saying in the recording, which investigators gleaned from Murray's phone after the singer's death. "When people leave this show, when people leave my show, I want them to say, `I've never seen nothing like this in my life. Go. Go. I've never seen nothing like this. Go. It's amazing. He's the greatest entertainer in the world.'"

Murray's lead defense attorney Ed Chernoff also noted Jackson's desire for success, but that the singer's ambition ultimately prompted him to give himself a fatal dose of medication.

He said Murray had been trying to wean Jackson off propofol, but that the entertainer kept requesting it on the day he died to help him sleep.

"Michael Jackson started begging," Chernoff said. "When Michael Jackson told Dr. Murray, `I have to sleep. They will cancel my performance,' he meant it."

He told jurors that Jackson swallowed enough of the sedative lorazepam to put six people to sleep before ingesting propofol. The combination, which Chernoff called a "perfect storm" of medications, killed Jackson so quickly that he didn't even have chance to close his eyes.

Prosecutors reject Murray's version and told jurors the Houston-based cardiologist also had a tremendous stake in Jackson appearing in the concerts.

The doctor had initially asked to be paid $5 million a year for working with Jackson, but Gongaware said he immediately rejected the proposal. Instead Murray accepted an offer to become Jackson's doctor for $150,000 a month ? a sum he was never paid because his contract hadn't been signed before Jackson's death.

Murray still has plenty to lose ? if convicted he faces up to four years in prison and will have to relinquish his medical license.

___

Anthony McCartney can be reached at http://twitter.com/mccartneyAP

Source: http://us.rd.yahoo.com/dailynews/rss/topstories/*http%3A//news.yahoo.com/s/ap/20110928/ap_on_en_ot/us_michael_jackson_doctor

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Amazon unveils $199 Kindle Fire tablet

Jeff Bezos, Chairman and CEO of Amazon.com, introduces the Kindle Fire at a news conference, Wednesday, Sept. 28, 2011 in New York. The e-reader and tablet has a 7-inch (17.78 cm) multicolor touchscreen. (AP Photo/Mark Lennihan)

Jeff Bezos, Chairman and CEO of Amazon.com, introduces the Kindle Fire at a news conference, Wednesday, Sept. 28, 2011 in New York. The e-reader and tablet has a 7-inch (17.78 cm) multicolor touchscreen. (AP Photo/Mark Lennihan)

Jeff Bezos, Chairman and CEO of Amazon.com, introduces the Kindle Touch 3G at a news conference, Wednesday, Sept. 28, 2011 in New York. (AP Photo/Mark Lennihan)

Jeff Bezos, Chairman and CEO of Amazon.com, introduces the Kindle Fire at a news conference, Wednesday, Sept. 28, 2011 in New York. The e-reader and tablet has a 7-inch (17.78 cm) multicolor touchscreen. (AP Photo/Mark Lennihan)

Amazon CEO Jeff Bezos on Wednesday showed off the Kindle Fire, a $199 tablet computer, challenging Apple's iPad by extending its Kindle brand into the world of full-color, multipurpose devices.

Bezos also took the opportunity to show off a new line of Kindle e-readers with black-and-white screens and lower prices, further pressuring competitors like Barnes & Noble Inc. that are trying to break Amazon.com Inc.'s dominance in electronic book sales.

The Kindle Fire will go on sale Nov. 15. It's about half the size of the iPad, making it a close match with Barnes & Noble's Nook Color tablet, which came out last year. But while Barnes & Noble sees the Nook Color as jazzed-up e-reader, Amazon has broader goals for the Fire, as a platform for games, movies, music and other applications.

Even before its release, the Kindle Fire was heralded as a worthy competitor to Apple's iPad. Amazon is nearly unique in its ability to sell content such as e-books, movies and music suited for a tablet ? just like Apple Inc. does.

Still, competing with Apple won't be easy. Many have tried to copy the iPad's success, but it remains the overwhelming front-runner in the tablet computer category. Apple sold 28.7 million of them from April 2010 to June 2011. Analysts at research firm Gartner Inc. expect the iPad to account for three out of four tablet sales this year.

"Some of the companies that have made tablets and put them on the market ... the reason they haven't been successful is because they made tablets. They didn't make services," Bezos said in an interview. "So what we've done is really integrate seamlessly all of our media offerings ? video, movies, TV, apps, games, magazines, games and so on."

Forrester Research analyst Sarah Rotman Epps said selling all that content makes the Fire is the only credible competitor to the iPad this year.

"In theory, Sony could do something similar, but they haven't, and it doesn't look like they will. They have a tablet, but they only went halfway on the services," she said.

Analysts had expected the Fire to go on sale for about $250. Epps called the $199 price "jaw-droppingly low," and said it would introduce tough competition not just for Apple, but for contending tablet makers like Samsung Electronics Co., Motorola Mobility Holdings Inc. and HTC Corp.

Analysts had speculated Amazon would subsidize the tablet, counting on making back some money through book and movie sales. But Bezos said the company is content with a slim profit margin.

"We want the hardware device to be profitable and the content to be profitable. We really don't want to subsidize one with the other," Bezos said in the interview on the sidelines of the New York press event.

Epps believes Amazon will sell 3 million to 5 million Fires before the end of the year, but the late shipping date will probably skew the figure to the lower end of the range, she said.

The Fire runs a version of Google Inc.'s Android software, used by other iPad wannabes, and will have access to applications through Amazon's Android store. It lacks the cameras sported by practically every competing tablet. It also lacks a slot for memory expansion, a common feature on other Android tablets.

Amazon's cheapest new Kindle will cost $79, and dispenses with the keyboard the Kindles have carried since the first model launched in 2007.

For $99, Amazon is also bringing out the first black-and-white Kindle with a touch screen; it's reminiscent of Barnes & Noble's latest Nook. A version with access to AT&T's cellular network will cost $149. Versions without advertising cost an extra $30 to $40. Bezos said the models subsidized by advertising have been the most popular.

Previously, the cheapest Kindle cost $114, with advertising. That price was reduced Wednesday to $99.

Bezos said he doesn't see the Fire as eventually replacing the Kindles.

"What will happen is people will buy both. Because they're really for different purposes ... For people who are into reading, it makes sense to have a device that's purpose-built," he said.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/3d281c11a96b4ad082fe88aa0db04305/Article_2011-09-28-US-Amazon-Tablet/id-c22f870a11be4455ab4c9dee02a29367

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Turkey: Boston museum returns top of Hercules

ANKARA, Turkey (AP) ? The Boston Museum of Fine Arts returned a piece of a Hercules statue to Turkey after two decades of negotiations, the country's prime minister said Sunday.

Turkey claimed the top of the Weary Heracles, Greek for Hercules, was stolen from an archaeological site in the Mediterranean and smuggled into the U.S. The bottom half of the statue has been displayed in Turkey.

Prime Minister Recep Tayyip Erdogan said he brought the top of the statue on his plane back home Sunday after the Boston art museum agreed to return it as a "goodwill gesture."

The 1,900-year-old marble statue shows the tired hero leaning on his club. It stands about five feet (1.5 meters) high.

The upper half was held jointly by the Museum of Fine Arts and husband-and-wife collectors Leon Levy and Shelby White of New York. The lower half is in the Antalya Museum in Turkey, along with photos of the Boston section and copies of articles about it from Turkish and American newspapers.

Turkish officials brought a cast of the bottom half to Boston in 1992 to show the pieces fit together. They said the top half of the statue was stolen in 1980 from an excavation site in Perge, northeast of the Mediterranean resort city of Antalya and 340 miles (550 kilometers) south of the capital, Ankara.

Turkey has been trying to crack down on the smuggling of Anatolian historical artifacts and is trying to retrieve those it believes were previously taken from the country.

Erdogan said Turkey has successfully forced various countries to return more than 4,000 smuggled artifacts since his government came to power in late 2002.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/4e67281c3f754d0696fbfdee0f3f1469/Article_2011-09-25-EU-Turkey-Split-Hercules/id-4d1b74634b5d43308804a7afc08c0a6f

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My father just bought his first house this year. About 5 months ago, we've lived in an apartment in the United States our whole lives, so dont know everything about owning a home. We just had our first hurricane as homeowners, and man do i wish we lived in an apartment. We had a flooded basement, because power went out causing the sump pump to stop working, leading to about a foot of water. We were prepared and moved everything atleast 3 feet high etc. We a finished basement, and I can see the physical damage to walls, and floors, maybe even our washing machine, I dont know. My question is, will my homeowners insurance cover these damages, if we would like to have them fixed, for example have the bottom part of walls redone, or tiles redone, because they look horrible. Some of them came off when we were cleaning up. Plus, I dont know who our home insurance is, how do we find out? The Point: Will Homeowners insurance cover water damage from a Hurricane, redoing some portions of the walls and floor, to prevent mold? and How do I find out who my homeowners insurance is? Thanks also will they cover mold inspection and professional cleanup?

They will not cover damage from a flood (meaning rising water surrounding the home, or a sudden deluge of flowing water hitting the home). If it is simply seepage of ground water, then you might have a shot. However, my bigger concern is your question "How do I find out who my homeowners insurance is". If you have only had the home for five months and you do not remember where you got insurance, then you probably do not have insurance. If did not get a carrier, then you do not have one, and nothing will be covered.

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I live in California. 7 months ago, we did a complete kitchen remodel. New cabinets, new wood floor, new appliances, countertops, etc. I just found out today that my dishwasher drain line has been leaking for 7 months. We didnt detect it immediately because the kitchen floor is slightly uneven and the water was pooling towards the back of the wall. Behind my dishwasher and under the floor, it is VERY WET. The drywall is soaked, the floor is saturated and my cabinets are showing signs of water saturation. My question is....can I file a claim against my homeowners insurance? Im fearful that there is massive water damage behind the walls and that a quick fix will only lead to more repairs down the road.

A sudden, accidental water leak is usually covered. A long term leak, though, that's been happening for seven months, very well may NOT be covered. There probably IS massive water damage and rot. If you don't want to read your policy to see if there are limitations on water damage that happens over a period of time, call your agent, and ask, "hypothetically", if there is going to be water damage if, say, your sister in law had this exact problem at her house.

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All Miami ? Blog Archive ? HD Communications Corp. Introduces an ...

HD Communications Corp. Introduces an In-Wall Wi-Fi, Data, and VoIP Device

HD27000 In/Wall Wi-Fi Data Port

Ronkonkoma, N.Y. (PRWEB) February 2, 2009

HD Communications Corp., a leading wireless electronics company, unveiled today its new In-Wall Wi-Fi, Data, VoIP, and PoE device at the INTERNET TELEPHONY CONFERENCE & EXPO at the Miami Beach Convention Center in Miami, Florida. The HD27000 is an all-in-one device designed specifically for hotels, motels and the enterprise market. ?We listened to our customers and simply gave them what they wanted,? said Don Davis, President and CEO. ?Hotels, motels and businesses require good Wi-Fi, a wired ethernet connection, good Internet security, and the ability to plug in a VoIP phone as well as power it. The HD27000 does it all in one clean package,? Davis added. The HD27000 is a small, PoE-powered 802.11b/g access point that is IEEE> 802.3af PoE-compliant and is designed for locations wired for Category5/Cat5e/Cat6 cable or planning to wire for Ethernet cable. The hotel, motel and enterprise markets seem to be perfect customers for this product.

The HD27000 is an 802.11b/g wireless access point with multiple SSID?s so customers can set up both public and private networks. The device also has an RJ45 jack on the front that is PoE (IEEE 802.3af-compliant) that can power a VoIP phone or just provide a data port to the location. The device has the latest in security available and is powered via Cat5 cable that feeds into the back of the HD27000. All of these features are contained in a device that fits into a single gang electrical box. ?The HD27000 is a result of over two years of working with customers with our earlier in-wall product, the HD24613, which has been installed in thousands of locations around the world. Customers always want more and we try to accommodate as much as we can,? Davis stated. The VoIP industry is certainly an area destined for growth as large enterprises look to reduce their monthly costs. HD Communications Corp. seems to be following that trend and continues to introduce cost-saving products. Last month they introduced the HD26172, a wireless bridge solution to connect the wired network between two buildings so companies could eliminate a T-1 or T-3 connection. When asked if this is the new direction the company is going, introducing cost-saving devices, Davis added, ?We are living in challenging times and we, as a company, need to listen carefully to our customers. If you can bring more features to a customer and additionally lower their overall costs, everybody wins.?

HD Communications Corp. has had tremendous growth in the broadband wireless arena over the past few years, more than doubling their sales in 2008. As they continue to pursue new markets and introduce new products they hope to continue to grow despite the ailing economy.

Customers and installers interested in learning more about the HD27000 should contact Eric Olson at their corporate office; (888) 588-3800 ext.126, or (631) 588-3877 ext. 126.

About HD Communications Corp:

HD Communications Corp. is a leading provider of broadband wireless products, components and systems for the Broadband wireless (Wi-Fi), RF and microwave industries. Established in 1991 by its founders after 15 years of RF experience working for several Fortune 500 wireless companies. The customer base of HD Communications Corp. now includes major electronic companies, OEMs, broadband wireless Internet service providers (WISP) and re-sellers in over 50 states and 47 countries. HD Communications Corp. serves the educational, military, health care, consumer, hospitality, re-seller and the original equipment manufacturer markets with its broad reach of products and services.

Individuals interested in HD Communications Corp. can find further information by visiting the company?s wireless network products group website at http://www.wirelessnetworkproducts.com.

# # #

Attachments

?Copyright 1997-

, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.

This entry was posted on Saturday, September 24th, 2011 at 3:00 am and is filed under Motels. You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response, or trackback from your own site.

Source: http://www.all-miami.com/hd-communications-corp-introduces-an-in-wall-wi-fi-data-and-voip-device.html

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Renaissance Health Insurance Company of America Review

The Renaissance Health Insurance Company of America primarily sells dental coverage. Additionally, this company also offers discount health plans, life insurance, vision coverage and other types of insurance. Families, individuals, and companies can purchase supplemental health insurance through the Renaissance Health Insurance Company of America.

To get a health insurance quote, submit your zip code!

In business for more than 50 years, the Renaissance Health Insurance Company of America has provided coverage to millions of people. Because many primary health plans do not give consumers an adequate amount of dental coverage, most need to purchase supplementary coverage. The Renaissance Health Insurance Company is licensed to sell insurance products in several states, and the company also workers with independent insurance brokers and insurance agents.

Renaissance Health Insurance Company of America Customer Service

Consumers are able to contact the Renaissance Health Insurance Company of America over the phone, via fax, through the online customer contact form or by mail. Since there are several phone numbers given on the official website, it is assumed that Renaissance Health Insurance Company of America is easy to get in contact with.

No negative reviews from customers were found on the web. Generally, companies that make it difficult for customers to follow up on insurance claims generate numerous web-based complaints.

Renaissance Health Insurance Company of America Insurance Products

Prospective clients are supplied with a wealth of information concerning Renaissance Health Insurance Company of America products on its website. In addition to dental insurance, consumers can choose from full coverage and supplemental plans. The Renaissance Health Insurance Company of America also offers discount cards for patients that need occasional non-traditional health procedures and want to reduce the cost of their prescriptions.

Employers, associations, and group leaders can also purchase dental coverage from the Renaissance Health Insurance Company of America. It appears that the Renaissance Health Insurance Company of America may have discontinued selling life insurance products online as of 2008.

Renaissance Health Insurance Company of America Contact Information

The only address listed for the Renaissance Health Insurance Company of America is a P.O. Box. That address is:

Renaissance Dental
P.O. Box 17250
Indianapolis, IN 46217

Customers can also call the Renaissance Health Insurance Company of America at 1-888-791-5995.

Renaissance Health Insurance Company of America Careers

Even though the Renaissance Health Insurance Company of America extends dental and supplementary health insurance coverage to millions of people, this is a small company. There are no job listings posted on the company website at this time, however, in-house positions may be available.

All job openings are based in the Midwest. The Renaissance Health Insurance of America tends to focus on appointing independent insurance sales agents rather than hiring a large sized staff.

Renaissance Health Insurance Company of America Insurance Agents

Insurance brokers help to sell many of the Renaissance Health Insurance Company of America?s insurance products. Currently appointed insurance agents can log into the Renaissance Health Insurance Company of America?s website to see which products are most appropriate for their prospective clients.

Although the Renaissance Health Insurance Company of America provides policies to consumers in a limited number of states, insurance agents living in other states are still open to inquire. New insurance agencies, brokers and agents are appointing on an ongoing basis.

Renaissance Health Insurance Company of America Quotes

Rate information on all Renaissance Health Insurance Company of America?s products can be found by applying for an online quote. Consumers are asked for a large amount of personal information, including their social security number, full name, gender, and date of birth. This is to better help the Renaissance Health Insurance Company of America recall quotes and identify customers.

Quotes can also be obtained from the Renaissance Health Insurance Company of America via the phone or through an independent insurance agent. Depending on the insurance product selected, the location of the customer and other mitigating factors, rates will differ.

Renaissance Health Insurance Company of America Reviews

No information could be found on the Renaissance Health Insurance Company of America with the Better Business Bureau. No complaints were filed with the Texas Department of Insurance. A.M. Best has given the Renaissance Health Insurance Company of America a B++ rating.

Considering the fact that the Renaissance Health Insurance Company of America has been in business for a number of years, it appears that consumers are mostly satisfied. The company?s financial outlook appears to be solid, and the insurance products sold meet the requirements of state insurance departments as well as the general public.

See online health insurance quotes fast by typing in your zip code!

Source: http://www.healthinsuranceproviders.com/renaissance-health-insurance-company-of-america-review/

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Combating Cancer with Edmond Fischer

News | Health

An early-career scientist met with a Nobel laureate who is a pioneer in the field of biochemistry

?| September 23, 2011

Image: Nature Video

Nobel Laureate Eddie Fischer was born in Shanghai in 1920. Since then, China has emerged as an economic superpower. Now it?s becoming a scientific heavyweight too. Tong Qing belongs to the newest generation of Chinese scientists. She decided to study cancer after a family friend became ill with breast cancer. In this film, she tells Fischer about life and research in China today.

? For more on how Nobelists are inspiring young scientists, view the Lindau Collection on Nature.com

Source: http://rss.sciam.com/click.phdo?i=d3590df94deee8797db1e06405a91064

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AYSO and the National Recreation and Park Association Launch ...

AYSO and the National Recreation and Park Association Launch Soccer Partnership

Ashburn, Va. (Vocus) April 29, 2010

The National Recreation and Park Association (NRPA) and the American Youth Soccer Organization (AYSO) have announced a national partnership to focus public awareness on the importance of play and its impact on health, wellness, environmental stewardship and youth development.

NRPA and AYSO launched this new partnership recently during NRPA?s 2010 Legislative Forum on Parks and Recreation in Washington, D.C. Advocating on behalf of AYSO, NRPA brought to the attention of legislators the crucial need for continued park funding for soccer and other sports fields in communities nationwide.

?NRPA welcomes AYSO as a new partner to add to the voices underscoring the importance of physical activity, youth development and environmental stewardship,? said Barbara Tulipane, Chief Executive Officer for NRPA.

Key elements of the new partnership include:

A combined communications effort using both AYSO?s and NRPA?s outreach to highlight the importance of healthy communities in terms of AYSO soccer programs in local park and recreation facilities.
The development of targeted research that demonstrates the benefits of youth soccer to the environment, reducing crime and youth development.
The Provision of an AYSO Soccer in a Box resource that can assist park and recreation departments in expanding their current in-house youth soccer programs or launching new programs to serve their community?s families.
?For 46 years, AYSO has been a leader in promoting that play and physical activity are crucial for the health and development of all children,? said AYSO National President Mike Wade. ?We are very excited to be working with NRPA, whose 21,000 parks and recreation department members make this their daily mission.?

The National Recreation and Park Association (NRPA) is a national not-for-profit organization dedicated to advancing park, recreation and conservation efforts that enhance the quality of life for all people. Touching more than 200 million people across 16,000 public park and recreation agencies represented by 21,000 members, NRPA encourages the promotion of healthy lifestyles, recreation initiatives, and conservation of natural open spaces and cultural resources.

For more than 40 years, NRPA has been the voice advocating the significance of making parks, open space and recreation available to all Americans. NRPA?s vision is that by 2020, every person in America will have convenient access to safe and affordable public park and recreation opportunities. For more information, visit http://www.NRPA.org . For digital access to NRPA?s flagship publication, Parks & Recreation, visit http://www.parksandrec-magazine.org .

AYSO is the largest single-entity youth soccer organization in the U.S. It was founded in 1964 as an all-volunteer association offering an affordable, high quality soccer learning experience. It strives to fulfill its mission to develop and deliver quality youth soccer programs that promote a fun, family environment. AYSO carries out this mission through its six philosophies: Everyone Plays?, Balanced Teams, Open Registration, Positive Coaching, Good Sportsmanship and Player Development. AYSO currently has over 550,000 youth players and 10,000 adult players participating in nearly 1,000 leagues across the United States, including AYSO Affiliate Members such as park and recreation programs.

For further information on the AYSO-NRPA partnership and how AYSO Soccer in a Box can work with your community?s park and recreation department, visit http://www.NRPA.org/soccer or contact Pete MacPhail, AYSO development manager, at PeteM(at)ayso(dot)org or 310.848.5653.

For Further Information:

Sieglinde Friedman, NRPA

sfriedman(at)nrpa(dot)org or 703.858.2161

Pete MacPhail, AYSO

PeteM(at)ayso(dot)org or 310.848.5653

###

?Copyright 1997-

, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.

More Soccer Press Releases

Related Post

Source: http://www.xtrafun.info/sport/ayso-and-the-national-recreation-and-park-association-launch-soccer-partnership.html

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New Tablet PC For Mobile Point Of Sale Applications From X2 ...

?

?

Tablet PC for point of sale applications from X2

PRLog (Press Release) - Sep 20, 2011 - - X2 Computing, one of the UK?s fastest growing providers of mobile computing solutions, has announced the immediate availability of the X2372 a new ruggedised tablet PC. ?This mobile tablet provides options for fully integrated encrypted PIN pad and Magnetic Stripe Reader (MSR) and meets the needs of a wide range of retail, hospitality, warehousing and mobile workforce applications.

The X2372 is powered by an Intel? Atom? Z530 1.6GHz processor with up to 2GB RAM and 64GB Flash storage capacity. ?It has a 7-inch resistive touch screen with optional outdoor viewable display and is housed in a slim, lightweight and durable casing. ? This robust tablet offers seamless information capture for improved workflow with options including RFID, smart card and fully encrypted magnetic stripe readers that support TDS and AES encryption. ?This provides full encryption of customer data to protect sensitive debit card and credit card numbers and enables customers to make payments without losing sight of their cards, even when used in remote locations.

Wi-Fi and Bluetooth 2.1 are included and the X2372 can operate with a wide range of operating systems including Microsoft Windows Embedded Standard 7, Windows 7 Professional, Windows XP Embedded, Windows XP Pro for Embedded Systems or Linux. ?

The X2372 is compact and weighs just 1.1kg with dimensions of 190 x 237 x 41 mm. ?Fully IP64 and MIL-STD 810G rated, it provides protection from water, dust, and shock vibration to deliver resilient, reliable performance in any environment. ?Other options include barcode scanners and a 2-mega-pixel camera.

About X2 Computing Ltd
X2 Computing is one of the UK?s fastest growing providers of high performance, rugged mobile computing solutions and technologies with customers in a wide range of market sectors around the world including retail, gaming, hospitality, industrial, commercial, military and government. The company provides software, services and state of the art, ergonomically designed tablet computers, thin client computers and all in one digital signage solutions. In addition to manufacturing custom solutions, X2 represents many of the world?s leading hardware OEM?S in Europe. For more Information please visit www.x2computing.com

Source: http://www.prlog.org/11666278-new-tablet-pc-for-mobile-point-of-sale-applications-from-x2-computing.html

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Betting For Novices | Business Foundation

Wednesday, September 21st, 2011 | Uncategorized

This is also the circumstance in horse racing and is key in small race fields and for brief sprint races.

Combining the variables of sort, race grade and trap it?s feasible to develop a quite financially rewarding greyhound betting program. The moment you have this there are some other key ideas you will need to comply with -

A specialist technique. It is a simple fact that 98% of gamblers drop cash above the medium to extensive term. They may be making use of a technique which will make income but i they adjust the filters and policies or chase losses it can turn out to be a losing process.

A betting financial institution. Of program you will need to in no way bet with dollars you can not manage to eliminate. But even a lot more basic is the need to have to set aside a fund specifically for betting. I see this as an expense fund and that method on your own can alter your mindset.

Discipline! This is very similar to my very first position. You need to have the self-discipline to stick the a defined process and not adapt it prior to a very good period of testing. I allow for any new procedure at least six or 7 months of testing before reviewing how to develop it. If we constantly alter our instructions we won?t make any progress.

Greyhound racing betting procedures have been very rewarding for me and I suggest anyone discover further to see if they are perfect for you.

Sports activities betting is a combination of two of man?s utmost interests: sports activities and betting. It is really undoubtedly no revelation that the two pastimes suit effectively together. Anytime a bunch of sports supporters are assembled, the enthusiasm prospects to shouting and bets are designed. In just about every sport, there are normally some games that are the most crucial of the year and the enthusiasm grows as the date of the sport gets nearer. Concurrently, the bets start coming in.

Because no man or women is aware forward of time how the video game will play out, it will become a matter of educated guessing relating to which crew will finish up victorious and by how lots of factors. Sports activities betting may seem to be to be routine-forming and, while, for some, it can be, for the majority of people today it?s just for amusement and a ton of fun it is! It permits you a much more thrilling way to interact with your buddies above a make a difference in which you have much in typical. Because the last score can not be established right until the conclude of a game, acquiring a wager placed can make the exhilaration final all the way through the sport.

When there is frequently informal betting amongst associates, most bets are registered as a result of what is best-known as a ?sports activities book? which is an entity that requires in sports activities wagering, In the United States, there are only four states where sports activities betting is officially permitted. In other states, you will need to be capable to locate a bookie and to position a wager, you have acquired to be above the age of twenty-a person.

Tags: Betting, Novices ?

Source: http://esoteric-foundation.com/betting-for-novices.html

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Choose The Best Kind Of Fireplace For Your Home | Feng Shui ...

September 19, 2011 by homeimprovementguru?

In comparison to the more traditional masonry fireplaces, the modern ones are more energy efficient. when it come to the style, it is common to see a fireplace that is manufactured from steel but installed in wood framed walls. A Zero Clearance Fireplace, for instance, are highly insulated, so it is possible to install it in a wall framing. This type of fireplace is more energy efficient and easier to install compared to traditional masonry types.

If you are planning to install a fireplace in your home, look for efficiency. It is recommended, for instance, that you opt for a fireplace that has an automatic starter. Make sure that your fireplace also has a secondary heat exchanger to add more heat to your home. It is advisable if you could possibly consult with a dealer first to assist you to look into certain Fireplace Surround Ideas for your home.

Weber Fireplace

Weber is a leading brand when it comes to charcoal grills. But it has also produced a unique kind of fireplace that can be used outdoors. Weber Fireplace have a modular design. The bowl and the lid of the fireplace are made from steel and finished with a porcelain enamel. It?s also rust proof and it is made with 4 support legs made of steel and twin wood grips.

Zero Clearance Fireplace

Zero clearance fireplaces are units that are factory built and made from either cast iron or metal sheet. These units are also referred to as the prefabricated fireplaces as they can be bought and installed right away. The installation instructions are also provided along with the description of the framework requirements. This is the kind of fireplace well suited for inexperienced home owners because they are very easy to set up and use.

Fireplace Surround Ideas

Choose a design that complements your living room decor. Antique fireplace mantels are perfect for traditional homes. Brick fireplaces are ideal for a mixture of traditional and modern home. There are many other ways you can design your own fireplace. What?s important is that you make sure that the types of materials and colors of the fireplace work well with the walls surrounding it and also the entire area as well.

Comments

Source: http://www.feng-shui-elements.com/home-improvement-articles/choose-the-best-kind-of-fireplace-for-your-home/

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Employing S Companies for Real Estate Investment

???

By : gabriella dazzi ??
Submitted 2011-09-18 21:21:40 Some accountants love to say there's an eleventh commandment, "Thou shall not hold real estate inside a corporation." And, normally, this rule holds accurate. Inside of a corporation, real estate loses a lot of of its tax rewards.

Within a handful of scenarios, even so, a special type of corporation-- a subchapter S corporation--may be handy for real estate investors, as discussed below...

S Corporations Operate Well for Real Estate Flippers

One scenario in which an S corporation operates perfectly is flipping.

If somebody routinely flips real estate, revenue and losses aren't treated as funds gains or money losses. Relatively, revenue and losses are taken care of as regular revenue and reduction.

That "ordinary" treatment method isn't all negative. As an example, though regular money never ever gets taxed making use of the reduced funds gains charges (that's bad), an normal damage compared with a capital reduction can very easily be utilised to offset other earnings (which happens to be great).

Nevertheless, "ordinary" cure produces an entice for real estate flippers. Normal revenue is subject not only to cash flow taxes--but also to self-employment taxes. Exclusively, in addition to any money taxes a real estate flipper pays on their revenue, a flipper also pays a 15.3% self-employment tax on roughly the first $100,000 of annual profit plus a 2.9% self-employment tax on nearly anything more than $100,000 in annual profit.

One example is, a property flipper that makes $100,000 in some calendar year pays not just earnings taxes but additionally a 15.3% self-employment tax, or approximately $15,000.

An S corporation, however, offers up a loophole. In an S corporation, only that portion of the revenue that will get paid out out as designated wages gets subjected on the employment tax.

Suppose, one example is, a real estate flipper operates as an S corporation, may make $100,000 in profit some year, but pays only $50,000 of this revenue out for the shareholder-employee as wages. On this scenario, the employment tax equals 15.3% on the $50,000 of wages, or approximately $7500. As well as the S corporation hence saves the real estate investor about $7500.

S Corporations Function Nicely for Rehabbers

And there is a related group of real estate traders for whom an S corporation performs, too.

If you're an individual who's buying fixers, creating substantial enhancements, then re-selling, there's a very good chance that your real estate things to do are deemed an active trade or enterprise (which means normal revenue remedy and self-employment taxes).

Accordingly, rehabbers might be able to use an S corporation to save lots of on employment taxes, as well, much like flippers do.

A speedy digression: If you are confused about how real estate flipping or rehabbing is usually handled as an energetic trade or company and topic to equally regular cash flow and self-employment taxes, believe about the cases of a retailer or perhaps a dwelling builder. A retailer selling, for instance, furnishings does not get to call his profit capital acquire. And a residence builder constructing spec homes isn't going to get to phone his profit money attain.

From your level on the tax laws, a flipper is simply a "retailer" whose stock is made up of houses. And a rehabber is sort of a residence builder.

S Firms For House Administration Actions

A single other S corporation prospect exists for real estate traders. Exclusively, passive real estate traders may perhaps in some cases benefit by creating an S corporation to carry out house management for their real estate. This S corporation then employs the real estate investor to try and do the get the job done of managing, the properties.

A house administration S corporation often makes feeling because the S corporation allows the real estate investor to accrue social safety positive aspects and because the S corporation, by creating attained money for your real estate investor, also lets the investor give him- or herself with tax-free fringe positive aspects like a retirement prepare or well being insurance plan.

A real estate investor with, by way of example, 50 % a dozen rental attributes might have the capacity to setup a residence management S corporation, pay a modest but fair income, after which provide tax-free well-being insurance as well as a 401(k) to his or her family. These types of tax-free fringe positive aspects could save a loved ones $5,000 to $10,000 a yr in taxes.

Note: Establishing an S corporation for residence administration applications may be tricky. While real estate traders tend to be a do-it-yourself bunch, for an S corporation, you probably desire to get expert support from the well-informed CPA, tax legal professional or enrolled agent.

Author Resource:- David Lichtenstein. David Lichtenstein knows real estate!
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<title>SEO Articles - Find Articles Faster - Web Content | Employing S Companies for Real Estate Investment</title><h3>Employing S Companies for Real Estate Investment</h3>

By: gabriella dazzi

Some accountants love to say there's an eleventh commandment, "Thou shall not hold real estate inside a corporation." And, normally, this rule holds accurate. Inside of a corporation, real estate loses a lot of of its tax rewards.

Within a handful of scenarios, even so, a special type of corporation-- a subchapter S corporation--may be handy for real estate investors, as discussed below...

S Corporations Operate Well for Real Estate Flippers

One scenario in which an S corporation operates perfectly is flipping.

If somebody routinely flips real estate, revenue and losses aren't treated as funds gains or money losses. Relatively, revenue and losses are taken care of as regular revenue and reduction.

That "ordinary" treatment method isn't all negative. As an example, though regular money never ever gets taxed making use of the reduced funds gains charges (that's bad), an normal damage compared with a capital reduction can very easily be utilised to offset other earnings (which happens to be great).

Nevertheless, "ordinary" cure produces an entice for real estate flippers. Normal revenue is subject not only to cash flow taxes--but also to self-employment taxes. Exclusively, in addition to any money taxes a real estate flipper pays on their revenue, a flipper also pays a 15.3% self-employment tax on roughly the first $100,000 of annual profit plus a 2.9% self-employment tax on nearly anything more than $100,000 in annual profit.

One example is, a property flipper that makes $100,000 in some calendar year pays not just earnings taxes but additionally a 15.3% self-employment tax, or approximately $15,000.

An S corporation, however, offers up a loophole. In an S corporation, only that portion of the revenue that will get paid out out as designated wages gets subjected on the employment tax.

Suppose, one example is, a real estate flipper operates as an S corporation, may make $100,000 in profit some year, but pays only $50,000 of this revenue out for the shareholder-employee as wages. On this scenario, the employment tax equals 15.3% on the $50,000 of wages, or approximately $7500. As well as the S corporation hence saves the real estate investor about $7500.

S Corporations Function Nicely for Rehabbers

And there is a related group of real estate traders for whom an S corporation performs, too.

If you're an individual who's buying fixers, creating substantial enhancements, then re-selling, there's a very good chance that your real estate things to do are deemed an active trade or enterprise (which means normal revenue remedy and self-employment taxes).

Accordingly, rehabbers might be able to use an S corporation to save lots of on employment taxes, as well, much like flippers do.

A speedy digression: If you are confused about how real estate flipping or rehabbing is usually handled as an energetic trade or company and topic to equally regular cash flow and self-employment taxes, believe about the cases of a retailer or perhaps a dwelling builder. A retailer selling, for instance, furnishings does not get to call his profit capital acquire. And a residence builder constructing spec homes isn't going to get to phone his profit money attain.

From your level on the tax laws, a flipper is simply a "retailer" whose stock is made up of houses. And a rehabber is sort of a residence builder.

S Firms For House Administration Actions

A single other S corporation prospect exists for real estate traders. Exclusively, passive real estate traders may perhaps in some cases benefit by creating an S corporation to carry out house management for their real estate. This S corporation then employs the real estate investor to try and do the get the job done of managing, the properties.

A house administration S corporation often makes feeling because the S corporation allows the real estate investor to accrue social safety positive aspects and because the S corporation, by creating attained money for your real estate investor, also lets the investor give him- or herself with tax-free fringe positive aspects like a retirement prepare or well being insurance plan.

A real estate investor with, by way of example, 50 % a dozen rental attributes might have the capacity to setup a residence management S corporation, pay a modest but fair income, after which provide tax-free well-being insurance as well as a 401(k) to his or her family. These types of tax-free fringe positive aspects could save a loved ones $5,000 to $10,000 a yr in taxes.

Note: Establishing an S corporation for residence administration applications may be tricky. While real estate traders tend to be a do-it-yourself bunch, for an S corporation, you probably desire to get expert support from the well-informed CPA, tax legal professional or enrolled agent.

Author Resource:->??David Lichtenstein. David Lichtenstein knows real estate!

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Source: http://www.activeweblist.com/Art/192954/208/Employing-S-Companies-for-Real-Estate-Investment.html

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'Journaling' Might Ease Depression in Testicular Cancer Patients (HealthDay)

MONDAY, Sept. 19 (HealthDay News) -- Keeping a daily journal with a positive slant may ease the effects of psychological trauma and depression among men with testicular cancer, according to a small new pilot study.

Researchers from Baylor University noted that men who wrote negatively about their condition, or simply chronicled unrelated topics, did not experience the same benefit. The findings, the investigators concluded, could help treat men with the disease seeking mental and emotional therapy.

"We think writing about the experience could add to the therapy and can help with recovery and quality-of-life issues after treatment, as the men try to get on with their lives," Dr. Mark T. Morman, a professor of communication studies and graduate program director at Baylor University, said in a university news release.

In the study, published in the current issue of Healthymagination, researchers divided 48 men with testicular cancer into three groups: those assigned to write positively about their cancer experience; those asked to write negatively; and those who were told to write neutrally about various unrelated topics.

The researchers asked the men questions about their well-being and sexual health, as well as their assertiveness and responsiveness in order to determine the effect their writing had on their mental health.

The study found that men who kept a positive journal about their experiences reported improvements in their mental health as a result of their writing. Those who wrote negatively or neutrally on their experiences did not. (The names were not attached to the journals, so the participants could write with complete privacy.)

Previous studies also revealed that men with testicular cancer are more likely to be depressed or anxious. They may also face side effects of chemotherapy or radiation treatment that can temporarily interfere with sexual performance and fertility.

"There are issues of masculinity, sexuality, relationships and self-image that often have significant effects on a survivor's ability to cope and move forward," said Morman, who is also a former communication consultant for the Lance Armstrong Foundation. The study authors concluded that keeping a daily journal with positive thoughts can help men with testicular cancer overcome these issues.

"We want to get the message to doctors and therapists that our preliminary data indicates this worked and can help alleviate a lot of concerns about embarrassment, body image and masculinity," said Morman.

The research should be considered preliminary until it is replicated in a larger study and published in a peer-reviewed journal.

More information

The U.S. National Library of Medicine has more about testicular cancer.

Source: http://us.rd.yahoo.com/dailynews/rss/health/*http%3A//news.yahoo.com/s/hsn/20110919/hl_hsn/journalingmighteasedepressionintesticularcancerpatients

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How Poor Credit score Impacts Vehicle Finance

Many people across Ontario are dealing with very poor credit score. No matter whether you have inadequate credit score because of a past personal bankruptcy, failure to pay a mortgage, or a easy lack of credit score background, it is still achievable to get a vehicle bank loan. Inadequate credit score impacts auto finance in a few critical ways that you should be conscious of when you approach a loan provider for a financial loan. Heres what you need to know:

1. Anybody can get a bank loan. It does not make a difference how negative your credit is, it is possible to get a loan if you method the right loan companies and have a sound fiscal prepare to give them. Folks with bad credit score can even now protected vehicle finance alternatives.

two. Know your background. When you go in for a bank loan, your lender is going to do a credit score historical past verify. For the duration of that verify, the loan provider will come up with data relating to your credit historical past, this kind of as bankruptcies or failure to repay a financial loan. Therefore, be prepared to handle every single concern in your credit score heritage that loan companies could ask about.

3. Repaying the bank loan on time might support you increase your credit score. Even if you have bad credit, car funding frequently aids to increase your credit score by exhibiting potential lenders that you are in a position to pay out off your loans on time and as promised. Nonetheless, if you ever before fail to repay a bank loan or if you skip a month-to-month payment, there will be a record of it on your credit background. Thats why you ought to only just take out a financial loan if you are totally confident that you can repay it on time and with no developing also much of a financial load on you or your family members.

Inadequate credit auto finance choices are accessible to folks with very poor credit score. Just dont forget: repaying the bank loan is the only way to increase your credit score score and demonstrate to future loan providers that you are financially responsible. As a result, only just take a loan out if it is some thing that you can really manage.

Poor Credit Auto Financing

Source: http://blatoday.com/17/how-poor-credit-score-impacts-vehicle-finance/

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Futures off after rally as euro zone fears grow (Reuters)

NEW YORK (Reuters) ? U.S. stock index futures fell sharply on Monday as renewed fears of a Greek debt default prompted investors to book some of last week's gains and turn to safer assets such as gold.

European stock indexes fell 2 percent or more in morning trade, led by banking shares, including Deutsche Bank (DBKGn.DE) and Societe Generale (SOGN.PA), on worries euro zone leaders won't be able to prevent a default by debt-stricken Greece.

At meetings on Saturday, European Union finance ministers broke no new ground in dealing with the crisis and made no decision on whether to give more firepower to the 440 billion euro ($607 billion) bailout fund, as suggested by U.S. Treasury Secretary Timothy Geithner.

Investors' risk aversion also rose after the Greek prime minister, George Papandreou, canceled a visit to the United States to instead chair a cabinet meeting on Sunday, a day before EU and International Monetary Fund inspectors hold a conference call with Finance Minister Evangelos Venizelos to hear how Greece will plug this year's budget shortfall.

"Stocks made some serious progress over the past five days. In fairness, though, equities still have a lot of ground to make up and there are significant technical sticking points just overhead," said Elizabeth Harrow, strategist at Schaeffer's Investment Research in Cincinnati, Ohio.

"Uncertainty is still the prevailing theme on Wall Street."

A regional election defeat for German Chancellor Angela Merkel on Sunday, her sixth election defeat this year, also kept investors on edge.

S&P 500 futures lost 17 points and were below fair value, a formula that evaluates pricing by taking into account interest rates, dividends and time to expiration on the contract. Dow Jones industrial average futures were down 32.25 points, and Nasdaq 100 futures fell 142 points.

Spot gold was bid at $1,820.99 a troy ounce at 1101 GMT (7:01 a.m. EDT) from $1,810.73 late in New York on Friday. The precious metal hit a record high of $1,920.30 on September 6.

Wall Street rose for a fifth day in a row on Friday and the S&P 500 index scored its best week since early July.

Investors awaited U.S. President Barack Obama's deficit-reduction plan on Monday, ahead of the Federal Reserve's Federal Open Market Committee meeting later in the week.

Swiss bank UBS (UBSN.VX) increased the amount it said it lost on unauthorized equity trades to $2.3 billion on Sunday and Chief Executive Oswald Gruebel said the alleged fraud would have consequences for strategy and possibly also for himself. U.S.-listed shares of UBS (UBS.N) fell 0.9 percent to $11.77 in premarket trade.

Netflix Inc (NFLX.O) is separating its movie streaming business and its DVD-by-mail service, which will be called Qwikster, Chief Executive Reed Hastings said in a company blog post. The stock was down 1.3 percent at $153.13 in premarket trade.

U.S. homebuilder sentiment probably remained stuck at historic lows in September, with the National Association of Home Builders/Wells Fargo Housing Market index expected to stay flat at 15, according to a Reuters poll of economists. The data is due at 10:00 a.m..

(Editing by Padraic Cassidy)

Source: http://us.rd.yahoo.com/dailynews/rss/stocks/*http%3A//news.yahoo.com/s/nm/20110919/bs_nm/us_markets_stocks

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