The joys of cross country cycling
Source: http://www.short-articles.net/the-joys-of-cross-country-cycling/
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Source: http://www.short-articles.net/the-joys-of-cross-country-cycling/
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Proteus Biomedical has developed chip-in-a-pill technology that transmits patient data directly to a smartphone. Novartis has partnered with Proteus to investigate applications of this technology. C&EN senior editor Rick Mullin discusses how the nontraditional partnership is part of a larger trend.
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Life is a journey and it is not going to be a smooth journey. Everyone will face troubles and challenges at some point in their life. Everything that happens to us has a purpose. When things are not going well, we should not just give in and lock ourselves out. We should face our life challenges head on and treat them as the learning tools for both self improvement and success.
I remember watching Patch Adams ? it is my favorite movie, actually. It is one great film that will help you improve yourself. Hunter ?patch? Adams is a medical student who failed to make it through the board exams. After months of suffering in melancholy, depression and suicidal attempts ? he decided to seek for medical attention and voluntarily admitted himself in a psychiatric ward.
His months of stay in the hospital led him to meeting different kinds of people. Sick people in that matter. He met a catatonic, a mentally retarded, a schizophrenic and so on. Patch found ways of treating his own ailment and finally realized he has to get back on track. He woke up one morning realizing that after all the failure and pains he has gone through, he still want to become a doctor.
He carries with himself a positive attitude that brought him self improvement and success. He didn?t only improved himself, but also the life of the people around him and the quality of life. Did he succeed? Needless to say, he became the best damn doctor his country has ever known.
Therefore, as you can see from the above story, self improvement and success go hand in hand. If you want to achieve success, you need to improve yourself. Here are some self improvement tips to help you?
* Develop Success Mindset. When you think you can succeed, you can. When you think you will fail, you are going to fail. It requires the same effort so why not choose to think success instead of failure?
* Have a purpose in life. Set goals in your life and outline the steps to accomplish your goals. Life without a goal is a life that is not worth living.
* Help others to succeed. By committing yourself to help others, you are actually forcing yourself to learn and to improve so that you can help people. The more people you help to succeed, the more successful you will become.
* Accept thing as it is. You can help others but you can?t change their attitude. What you can do is to focus on changing yourself to a better person each day. You can influence others to follow your foot steps but you can?t force them to change. Just accept it as it is.
* Stop comparing yourself with others. You have your own set of value so go and do some soul searching and dig out the goodness inside you. Different people see value from different perspective. Don?t say that I wish I could be that guy or girl, find out the good qualities and values from others and see how you can develop the same qualities.
* Stay away from negative people. Negative people can pull you down and drain you out, they can waste your energy and destroy your dreams. So stay away from them before they destroy your dreams.
* Take time and make rooms for self improvement. Read self improvement books and attend personal development seminars. They can perk you up and motivate you to improve. It is important that you never stop learning.
* Success is a process. Remember that there is no such thing as overnight success. To achieve success, you need to pay the price. Most people focus on the prize before they pay the price.
I have shared with you a lot of tips on how to improve yourself for success in this article. I hope you find them useful and apply them in your day-to-day life.
The Empire Formula is a course that will show you how to accomplish financial success through online business. Another great internet marketing course is Whitehat Copycat 2.
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The condition of the economy has developed during the last couple of months. Technically speaking the economic downturn may be over; we might be developing gdp once more. However, regrettably, the market meltdown continues. A lot of banks are extremely worried about further deterioration commercial real estate values and growing commercial mortgage delinquencies. They worry that more large proportion write downs of their CRE investment portfolios might be necessary damaging their statutory solvency. Banks on the edge are very wary about lending.
Other financial institutions, even strong ones, along with insurance providers are looking at their investment capital as they wait for the coming wave of new legislation out of Washington. Regulators are enforcing current principles more strictly than ever while promising even difficult lending policies are coming. Loan companies will not give a loan in earnest until they determine what the regulating conditions will seem like. As the administration supports lending with their words they are demoralizing it with their heavy handed measures.
For most borrowers the solution has been private lending. Privately funded, known as ?hard money? commercial mortgage loans are financed by private individuals or privately held businesses. These special loan providers often keep the loans they write in their own portfolios rather than sell them to the secondary mortgage bond market. Private hard money lenders are not controlled by the Federal or state Government so they enjoy much more freedom and can fund loans quicker than banks can. Multi-million dollar loans can close in less than ten days if the deal works well with the hard money lender.
The drawback to private lending is that costs and points are greatly greater than bank loan rates and that much more equity is demanded. Private lending almost always top 10 percent with at least 3 origination points and loan-to-value ratios rarely go beyond sixty-five percent
The economic meltdown has created many good loans to be turned down by banks. Additionally, dropping property values make it even more difficult to be eligible for a traditional lending. Hard money lenders are usually able to finance deals that financial institutions are being forced to turn away. Private lending has become a major section of commercial real estate finance. Borrowers prefer to get a decent, low interest mortgage with great conditions and terms, but that form of lending just isn?t available today. Private hard money lending is now well-known finance and, for many striving investors, may be the only-game-in-town.
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Four years ago this month, Goldman Sachs invited me to attend the launch of 10,000 Women, a $100 million philanthropic initiative, which at the time, was the largest in Goldman?s history. The goal of the five year program is to provide business and management training to 10,000 underserved female entrepreneurs in developing countries. Why? Goldman?s own research (and that of many others) shows that female education is a driver of macroeconomic growth. Moreover, there was (and still very much is) a stark need to expand access to business education for women in emerging markets. When Goldman launched 10,000 Women, there were only 2,600 women attending MBA programs in all of Africa, a continent of 900 million people. Calestous Juma, a professor of international development at Harvard University?s Kennedy School of Government, has estimated that if African women were given equal access as men to vocational training and technology, the continent?s economy would expand by at least 40 percent.
10,000 Women?s focus is very much on nurturing small and medium enterprises (SMEs), a sector of the economy with significant economic growth and employment potential. An interesting report from the International Finance Corporation notes that while there are ?roughly ?8 to 10 million formal women-owned SMEs in emerging markets (representing 31 to 38 percent of all SMEs in emerging markets), the average growth rate of women?s enterprises is significantly lower than the average growth rate for SMEs run by men.? The report identifies several factors that have hindered the growth of women-owned businesses, including: institutional and regulatory issues, lack of access to finance, relatively low rates of business education, risk aversion, concentration of women?s businesses in slower growth sectors, and the burden of household management responsibilities. 10,000 Women addresses each of these issues, teaching its graduates how to recognize and navigate their legal environment, how better to access loans, prepare business plans geared for higher growth, and juggle a business with their family life. While the program does not provide credit directly, it has formed several public-private partnerships to do so. In Liberia, it is working with the Overseas Private Investment Corporation; in Tanzania with the Government of Denmark, CRDB Bank, and the U.S. State Department; in Peru with the Inter-American Development Bank and Mibanco.
From the start, Goldman has been serious about measuring impact. It has worked with The Bridgespan Group to establish a credible monitoring and evaluation system (M&E), and in 2011 engaged the International Center for Research on Women (ICRW) to conduct an impact assessment of the program?s work in India. That evaluation, just concluded, finds that half of 10,000 Women graduates in India saw their revenues at least double in an 18-month period. Also, many graduates report that the program has given them confidence to engage in male-dominated sectors. The report acknowledges that 10,000 Women was not the only factor contributing to graduates? success: after all, the program picks people who are determined to succeed, and the overall business environment in India is one of growth. But ICRW credits 10,000 Women with providing women entrepreneurs with the critical skills and tools they need to grow their businesses.
In 2010, I visited with several 10,000 Women graduates in Rwanda. While not all of them were successful, many of them had significantly grown their businesses after the program. Rosalie Mukangenzi, the owner of a successful flour mill, sticks out in my mind. Her husband died in the 1994 genocide, leaving her and her three children nothing. With a micro-loan, she started a charcoal business, but in 2008, she moved into milling flour since she thought it could be more profitable. Before the 10,000 Women program, she had only felt comfortable taking small loans, but after graduating, she had the skills and confidence to take on more debt to expand her business. She opened a retail store, hired more employees (when I visited her in 2010, she employed fourteen men and three women), and increased her sales four-fold. She has built a new home for her family, which she plans on using as collateral for her next loan application. ?My dream is to own a big factory, one which can impact the social and economic development of Rwanda,? she told me. Of course, many successful entrepreneurs flourish without formal business training, but Rosalie and thousands of other women around the world have bigger ambitions, and more skills to meet them, thanks to 10,000 Women.
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LINK: PhpVideoTutorials.Com ? Building A CMS With CakePHP 1.2 (1 cd) Download
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Samuel is the Hollywood power couple's third child.
By Jocelyn Vena
Ben Affleck and Jennifer Garner
Photo: WireImage
Jennifer Garner and Ben Affleck have welcomed their first son into the world. Garner gave birth to the couple's third child in Santa Monica, California, this week.
"We are happy to announce on February 27, Jennifer gave birth to a healthy baby boy, Samuel Garner Affleck," Ben shared on his Facebook page Wednesday, after reports surfaced that his two daughters Seraphina, 3, and Violet, 6, would now have a baby brother.
Garner and Affleck announced the pregnancy in August 2011. At the time, insiders shared that it had always been in the couple's plan to have three kids.
"I would have thought [he wanted a boy]. At first ... I really thought so," Garner said in an interview with Jay Leno in January. "And then [Ben] kind of said, 'Well, we have girls. We know how to do girls. My girls love me. I'm the big guy in the house.' So now I'm not sure."
Meanwhile, in an interview with Ellen DeGeneres on her talk show, Garner called the possibility of having a boy "cool and different," adding, "It would be so weird to have a boy."
Garner spoke to Us Weekly in 2011 about how she manages to balance work and family. "You have to have a great nanny, and you have to have a supportive husband," Garner said. "We figure it out day by day. It's always messy, and it's never as glamorous as people think it is, but we get through, and as long as the kids are happy, it's all good."
As for fatherhood, in an interview back in 2008, Affleck said that he hoped he's a good dad. "I hope so. I think we all like to see ourselves as good dads, but there's also that fear, 'Oh, I don't want to be like my father,' or, 'I hope my kid doesn't turn out like me.' You know, I have those feelings too," he told the U.K.'s Mirror. "So the key is optimism."
Share your well-wishes for the parents in the comments below!
Source: http://www.mtv.com/news/articles/1680132/jennifer-garner-baby-son-ben-affleck.jhtml
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This past weekend I spent 4 days in Nashville TN at the Gaylord Opryland Hotel for the BlissDom conference. ?Last year my wonderful friend Melissa Read More
I am SUPER excited to introduce a new feature on my blog that has been inspired by my recent fashion changes (more spandex and gym Read More
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Dear Squishy,
There are many joys in motherhood, but few are as amazing as the way your child smiles at you.
Your silly smile has brought so Read More
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For the past 6 years I have called Las Vegas home.? But it wasn't until the first weekend of February that I discovered a true Read More
Source: http://www.familylifeinlv.com/2012/02/songs-i-sing-to-my-toddler-toddler-talk.html
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?Michael Giberson
In other transportation alternatives news, Bright Automotive is folding after spending $15 over four years in an effort to secure a?$450 million low-interest loan from the U.S. Department of Energy through the?Advanced Technology Vehicles Manufacturing Loan Program.
The?Advanced Technology Vehicles Manufacturing Loan Program was created in the Energy Independence and Security Act of 2007. The law passed in December, and a month later the company was formed. According to the company website:
In January 2008, Bright Automotive launched from Colorado-based Rocky Mountain Institute (RMI) with the goal of building on the work of a consortium of organizations to map an automotive solution to tackle the challenges of our economy, air pollution and diminishing oil supplies.
Enter: Bright Automotive
We are an American company comprised of automotive entrepreneurs, including some of the most experienced hybrid-electric vehicle and battery pack engineers in the industry. We created in less than 12 months what some automotive companies take years to achieve: an all-new, efficient, plug-in hybrid electric vehicle that customers want to buy and can afford.
It is efficient, customers want to buy it, customers can afford it, so what could possibly go wrong? This, from news reports:
After failing to secure a federal loan to finance its operation and production costs to build a hybrid delivery vehicle, Bright Automotive said Tuesday that it will cease operations?.
?Bright has not been explicitly rejected by the DOE; rather we have been forced to say ?uncle.? As a result, we are winding down our operations,? Bright CEO Reuban Munger and Chief Operating Officer Mike Donoughe said in a scathing letter to Energy Secretary Steven Chu.
The company spent three years and $15 million negotiating with the DOE for the loan, said Michael Brylawski, vice president of corporate strategy. Each time the company submitted a proposal, he said, the government responded with more onerous requirements. [...]
?Last week, we received the fourth ?near final? Conditional Commitment Letter since September 2010. Each new letter arrived with more onerous terms than the last,? Munger and Donoughe wrote. ?The first three were workable for us, but the last was so outlandish that the most rational and objective persons would likely conclude that your team was negotiating in bad faith.??[...]
In November 2010, Bright officials announced the opening of a research plant in Rochester Hills and, a year later, a production facility in Mishawaka.
Neither choice was in Bright?s original loan application, Brylawski said. The company?s original plan was to locate all its facilities at the Flagship Business Center.
?We were told by the DOE in August 2010 that Bright would get the ATVM loan ?within weeks, not months? after we formed a strategic partnership with General Motors (Corp.) as the DOE had urged us to do,? the two executives wrote.
?We lined up and agreed to private capital commitments exceeding $200 million ? a far greater percentage than previous DOE loan applicants. Finally, we signed definitive agreements with state-of-the-art manufacturer AM General that would have employed more than 400 union workers in a facility that recently laid-off 350 workers.?
And then the company waited.
?We continued to play by the rules, even as you and your team were changing those rules constantly ? seemingly on a whim,? the letter said.
Obviously the ?efficient,? ??customers want to buy it,? and ?customers can afford it? claims stretched the truth just a bit, else sometime in the last four years they would have found a willing investor. Instead, the project lived on dreams of a federal loan and died when the company woke up to reality.
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