Source: http://news.feedzilla.com/en_us/stories/politics/top-stories/273154957?client_source=feed&format=rss
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There are many companies that offer variety of services that comprises international trademark registration, trademark classification, intellectual property laws, trademarks protection, new company registrations, intellectual property laws, paralegal trademark, patent drafting services, logo registration, international patent registration and lots more. In these corporate law firms a large team of attorneys and lawyers offers services with complete paper work. Law firms also help business when legal issues arise from employees or customers.
When people plan to shift to a new location, either as permanent or temporary worker, they need to follow some rules and laws that have been proposed by the government. So, it is best for them to consult with attorneys working in immigration law firm who will guide them the right direction to make their application procedure suitable to get their desired visa. The reason behind hiring an immigration attorney is that they are highly trained in the complexities that can arise while applying for a visa.
Criminal lawyers are the ones who specialize in dealing with cases involving individuals or organizations with criminal allegations to their name. Criminal defense lawyers are always ready to help their clients in case they are charged with any sort of criminal offence. Since they are experts in their field of knowledge, they are able to provide high quality service to clients who need them. The lawyers suggested by these criminal law firms are well equipped to handle criminal defense cases and give better results than the general lawyer.
If an individual needs legal help in dealing with family matters, they should look for a good family lawyer. Lawyers for family issues handle an array of cases which deal with domestic issues. Divorce can be a complex legal issue, especially if there are children, assets and debts to seek proper division. Adolescents often have legal issues that require professional guidance. An attorney can help with all such complicated matters. When an individual needs an attorney, they should take a look at the variety of legal specialties in order to select the right one.
When a couple decides to get a divorce, each partner suffers a monetary set back. Divorce procedures are often long drawn out and expensive. To reduce costs, it is beneficial for couples seeking a divorce to know about firms and organizations that offer legal support for free. These organizations often raise funds from charities, private donors and the government. Many certified divorce lawyers charge minimal fees when representing people belonging to middle income and low income groups.
Most people often find that at one point in their lives, they need to hire a lawyer. Lawyers are present to help the people deal with legal issues from the beginning to the end of the struggle. There are multiple situations that can arise, calling the attention of the lawyers. So, there must be lawyers that specialize in different areas. One might be filing for bankruptcy for many different reasons. Bankruptcy lawyers work with the personal problems of their clients. These lawyers deal with families who have lost their jobs and spent nearly all their savings in order to maintain they homes.
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Mastering a different language is a thing that most adults struggle with. Nevertheless, for young children, the process is almost instant; since children?s brains are rapidly expanding and are wired to absorb details in order to learn about their ? new world ?, they just have to be given simple instructions to know the basic principles of a language- more often than not, being together with adults in conversation can be more than enough to teach a child.
Openness to studying and easy acquisition of details are among the key reasons why instructing new languages is best done while a person is still very young. Actually, kids are so skilled at learning new different languages they can pick up even the most subtle differences in tones that most grown ups often miss. This ability allows youngsters to achieve a natural-sounding accent that can be hardly distinguished from the ones from native speakers!
Along with achieving more natural accents, teaching new languages while a kid is still young can certainly help enhance mental skills as well as help children have a much better grasp of their native language. As an example, mastering Italian for kids can help them fully understand English better. For the reason that the Italian dialect is definitely a close relative of Latin, an old language from which many English terms originate from. Apart from boosting word knowledge, children may study grammar better by assessing grammar guidelines of one dialect with another. This can help them discover the similarities and differences between languages, an exercise which will certainly only serve to expand their comprehension of communication rules. Using a much better grasp of these rules can help a child communicate his thoughts better.
Another reason why it?s better to start foreign language classes early is it can help widen a child?s viewpoint on the modern world as well as allow them to have an even better understanding for different ethnicities. For instance, kids who understand how to speak a foreign language fluently will be more at ease if they ever visit the country since they won?t be so discouraged by individuals talking a different language. Simply because they can determine what is happening around them, they are able to better comprehend the scenery, activities, food along with other wonderful things that the country can offer, such as art and new music.
Finally, kids who speak more than just one tongue will have a good edge in the academe as well as in their professions. Schools and colleges may have a taste for pupils who can converse different tongues, so teaching a child early can increase his odds of getting into great universities. With regard to careers, alternatively, communicating in a different language opens up opportunities not just in one?s own land, but as well as abroad.
Find more reference and education concepts for your family, know the advantages of teaching Italian to kids. Visit Monnie Wetzel?s site for your reference.
Source: http://www.ezinearticlesplanet.com/articles/education/italian-for-kids-reasons-why-its-best-to-start-young.html
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Source: http://jakejacksonn.posterous.com/italian-for-kids-reasons-why-it39s-best-to-st
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If you were stressing over the best way to improve your current circumstances, then this article is exactly what you will need. Do not forget that positive thinking and education are the strategy to self improvement. This short article provides you with some things you can use to reach your primary goal.
Being a selfless individual is a large step of progress towards your very own development. Taking care of others, and being able to sacrifice for the kids, will help you improve yourself and become an improved person. Making sacrifices persons may help you and Dr Zebupoitu to transcend feelings of selfishness and jealousy.
A good thing to take into consideration with regards to personal development is, value your important things. Value exactly what you love the most and earn them extremely important Warhammer Sale Website.
Multiple people have a problem meeting someone worthwhile to date. Maybe you should try the web. Approximately 40% of couples currently met online. That knows, the person you are interested in could also be trying to find someone! Every one has its negative and positive points.
Work more proficiently to find the most from your energy. The simple trick is to take more breaks if you work. Even if this seems counterproductive, taking regular breaks is a useful one as it provides you with the opportunity recharge the mind, so when you resume work, you can actually get more jobs done.
A prosperous leader has the strength to place their wishes into action, as well as being humble of this ability. An integral factor of leadership may be the power to serve oneself to others, and to be firm while also being gentle. Leaders must have integrity and virtues should they desire to be successful.
Escaping . and living your health really can increase your pursuit of self improvement. You?ll want to made a decision to actively take part in your life rather than being a spectator. Sitting back and watching will make you dull and unhappy.
Evaluate yourself and search for any particular one aspect that you wish to change or improve. You may wish to improve numerous things with regards to you, but if you fail to focus on something at the same time you?ll become overwhelmed. This also assists you to maintain this modification, because this new habit will probably be introduced gradually.
Paying attention to someone is just as vital as talking to them. This is particularly true when you are speaking about self-development. Listening helps to increase the words you?re saying and the sentences you are constructing. To improve yourself being a person, you?ll want to listen to yourself.
Try taking some risks to become truly happy! People often resign themselves one?s in their comfort zones. This can make them overlook valuable opportunities! Taking risks shows courage, the industry ingredient that can assist you on the way of happiness.
Having a better life can often happen as a consequence of willpower, and keep in mind that this stuff you want others may have an effect on you. Thus, never wish recorded on someone and try to pray for the best. Mind-set can reduce the burden of negativity.
Of course, no a couple are the identical, so try different things out of this article before you discover a strategy that work well right for you. Because the old G.I. Joe cartoons accustomed to say, ?Knowing is only half the battle.? You should apply everything you learn to make any progress. If the advice you?ve found here sounds befitting for an associate or loved one, you can share it so that you will while others can improve yourselves together.
Tags: Relationship Tips by Warhammer Sale
Source: http://valttiblogi.com/self-improvement-advice-on-reaching-your-full-potential/
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WASHINGTON (AP) -- New taxes are coming Jan. 1 to help finance President Barack Obama's health care overhaul. Most people may not notice. But they will pay attention if Congress decides to start taxing employer-sponsored health insurance, one of the options in play if lawmakers can ever agree on a budget deal to reduce federal deficits.
The tax hikes already on the books, taking effect in 2013, fall mainly on people who make lots of money and on the health care industry. But about half of Americans benefit from the tax-free status of employer health insurance. Workers pay no income or payroll taxes on what their employer contributes for health insurance, and in most cases on their own share of premiums as well.
It's the single biggest tax break allowed by the government, outstripping the mortgage interest deduction, the deduction for charitable giving and other better-known benefits. If the value of job-based health insurance were taxed like regular income, it would raise nearly $150 billion in revenue in 2013, according to congressional estimates. By comparison, wiping away the mortgage interest deduction would bring in only about $90 billion.
"If you are looking to raise revenue to pay for tax reform, that is the biggest pot of money of all," said Martin Sullivan, chief economist with Tax Analysts, a nonpartisan publisher of tax information.
It's hard to see how lawmakers can avoid touching health insurance if they want to eliminate loopholes and curtail deductions so as to raise revenue and lower tax rates. Congress probably wouldn't do away with the health care tax break, but limit it in some form. Such limits could be keyed to the cost of a particular health insurance plan, the income level of taxpayers, or a combination.
Many economists think some kind of limit would be a good thing, because it would force consumers to watch costs, and that could help keep health care spending in check. Obama's health law took a tentative step toward limits by imposing a tax on high-value health insurance plans. But that doesn't start until 2018.
Next spring will be three years since Congress passed the health care overhaul, but because of a long phase-in, many of the taxes to finance the plan are only now coming into effect. Medicare spending cuts that help pay for covering the uninsured have started to take effect, but they also are staggered. The law's main benefit, coverage for 30 million uninsured people, will take a little longer. It doesn't start until Jan. 1, 2014.
The biggest tax hike from the health care law has a bit of mystery to it. The legislation calls it a "Medicare contribution," but none of the revenue will go to the Medicare trust fund. Instead, it's funneled into the government's general fund, which does pay the lion's share of Medicare outpatient and prescription costs, but also covers most other things the government does.
The new tax is a 3.8 percent levy on investment income that applies to individuals making more than $200,000 or married couples above $250,000. Projected to raise $123 billion from 2013-2019, it comes on top of other taxes on investment income. And while it does apply to profits from home sales, the vast majority of sellers will not have to worry since another law allows individuals to shield up to $250,000 in gains on their home from taxation. (Married couples can exclude up to $500,000 in home sale gains.)
Investors have already been taking steps to avoid the tax, selling assets this year before it takes effect. The impact of the investment tax will be compounded if Obama and Republicans can't stave off the automatic tax increases scheduled at the end of the year if there's no budget agreement.
High earners will face another new tax under the health care law Jan. 1. It's an additional Medicare payroll tax of 0.9 percent on wage income above $200,000 for an individual or $250,000 for couples. This one does go to the Medicare trust fund.
Donald Marron, director of the nonpartisan Tax Policy Center, calls the health care law tax increases medium-sized by historical standards. The center, a joint project of the Brookings Institution and the Urban Institute, provides in-depth analysis on tax issues.
They also foreshadow the current debate about raising taxes on people with high incomes. "These were an example of the president winning, and raising taxes on upper-income people," said Marron. "They are going to happen."
Other health care law tax increases taking effect Jan. 1:
? A 2.3 percent sales tax on medical devices used by hospitals and doctors. Industry is trying to delay or repeal the tax, saying it will lead to a loss of jobs. Several economists say manufacturers should be able to pass on most of the cost.
? A limit on the amount employees can contribute to tax-free flexible spending accounts for medical expenses. It's set at $2,500 for 2013, and indexed thereafter for inflation.
Source: http://news.yahoo.com/health-care-tax-hikes-2013-080031786.html
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By Ayman Mohyeldin, NBC News
CAIRO -- Several Syrians have died after inhaling poisonous gas released by government forces in rebel-held districts of Homs, local eyewitnesses and activists claimed Monday.
Civilians were admitted to hospital with serious breathing problems after Sunday?s attack, according to doctors and groups who posted what they said was video of the aftermath to YouTube.
The gas is thought to have been a concentrated irritant, but not one of the deadly chemical weapons stockpiled by the regime of Syria president Bashar Assad.
Claims by either side in Syria?s bitter civil war are almost impossible to independently verify because journalists are rarely allowed access to the country.
Pesticide poisoning?
Mousab Azzawi, chairman of the London-based Syrian Network for Human Rights and a doctor, told NBC News that his organization had received reports from three eyewitnesses on Sunday.
He said field doctors in Homs were seeing patients ?losing consciousness, experiencing severe shortness of breath and vomiting.?
?To our understanding, this is similar to poisoning with pesticide,? he said, although he was not aware of any pesticide that could take the form of a gas.
Airstrike kills dozens of Syrians trying to buy bread, activists say
Azzawi added that they were ?very concerned and deeply worried? that the attack might be a sign that Assad?s regime might use chemical weapons ?on a very small scale.?
Walid Fares, spokesman for the Homs Revolutionary Council -- part of the National Coalition for Syrian Revolutionary and Opposition Forces, the umbrella organization recognized by more than 100 countries including the United States -- issued a statement to NBC News on Monday.
It said ?poisonous gases? came from shells fired by government tanks in the districts of Al Bayada and Al Khalideya.
In Syria's Aleppo, 'We're starving. I can bear it but what about my children?'
?The shells did not explode but rather emitted a cloud of white smoke and it landed in residential areas? where revolutionaries had gathered and which led to tens being injured,? the statement said.
It said symptoms included ?complete absence of vision? as well as nausea, lost consciousness and severe breathing difficulty.
?The initial analysis of the doctors in the hospital confirmed that it is a poisonous gas that contains banned substances,? the statement added, citing videos that claimed to show patients being treated.
'This isn't the first time'
It said there were seven deaths as of early Monday - naming six of the victims - and close to 50 injured.
A third group, the Local Coordination Committees - a network of local opposition councils across Syria - told NBC News: "The LCC has not yet confirmed what the substance was, but doctors in Homs are confirming the use of toxic gases. This isn't the first time; residents of Homs and Zabadani were reporting the use (confirmed) of white phosphorus months ago.?
Two YouTube videos showed patients being treated in hospital for the symptoms of a gas attack. In one, a doctor says in Arabic that the gas is ?definitely not Sarin? but is ?definitely? poisonous.
US officials:?Syria loads chemical weapons into bombs; military awaits Assad's order
Earlier this month, President Barack Obama warned Assad that the use of chemical weapons by his regime would be "totally unacceptable." "If you make the tragic mistake of using these weapons there will be consequences and you will be held accountable," he said.
The alleged gas attack came hours after a senior Israeli defense official said he believed Syria's chemical weapons were still secure despite the civil war.
Watch World News videos on NBCNews.com
Amos Gilad told Army Radio that the both sides had become deadlocked but there was no sign of Assad heeding international calls to step down, according to a Reuters report.
"Suppose he does leave, there could be chaos ... in the Middle East you never know who will come instead. We need to stay level-headed; the entire world is dealing with this. At the moment, chemical weapons are under control," Gilad said.
Reuters contributed to this report.
More world stories from NBC News:
Follow World News from NBCNews.com on Twitter and Facebook
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What Everybody Ought To Learn About The Phone
A lot of users get the apple iphone a bit challenging to know. Should you be amongst the confused and frustrated individuals who feel like they may be absent area of the experience, keep reading. There are several straightforward tricks that will make utilizing your iphone a much more enjoyable and understandable experience for yourself.
For those who have texting restrictions in your phone, you should ensure to keep track of how long your messages are. This can be specifically beneficial if you are employed to giving messages which are more than 160 words and phrases in size, since which is the site restrict. Anything afterward will prove to add extra web pages, which means they might cost more to transmit.
When you find yourself entering a text on the phone, you may choose the entire body of textual content by holding lower your finger about the phrase for about three secs and clicking on pick all. This will provide you with the opportunity to remove or duplicate the full set of textual content that you may have determined.
Utilize the headset cord to assist you take pictures. It can be difficult to consider a photo that may be in concentrate when you are driving some control that is around the true mobile phone. Alternatively, force the cord?s key the minor motion will not likely have an effect on your iphone 4 whatsoever, letting you take a crisp, obvious photograph.
Make sure to establish a pass word for the iphone 4 in order to avoid any unauthorised people from obtaining access to your information. Should you get rid of your mobile phone, no one will be able to see what you have protected in your mobile phone. This is particularly beneficial in case you have a habit of leaving your telephone unattended while some are around.
Whilst wireless bluetooth is actually a valuable supplement for mobile phones, it can be a energy waster. In the event the phone?s bluetooth options are still lively, the telephone will consistently look for impulses that are inside of collection and use potential during this process. To stop this, eliminate the wireless bluetooth choice within the configurations food selection.
While you are within the Safari area on your iPhone, toggle among distinct web pages that you simply check out. You can open up to 8-10 web pages that can every single come in specific on your cell phone. This work is quite helpful when you have numerous activities to do and do not desire to lose the initial webpage which you had been on.
Now you have discovered a number of the tips to receiving the most from your phone, you need to sense much less confused and disappointed than you previously experienced. Attempt these suggestions and spend some time to discover your iphone. You will be sure to be happy as you may discover to use your product effectively.
Thanks for reading. The author is an expert in blogging and internet security. To read more about what is the data protection act 1998 summary,, android security and iphone internet security please check out my website
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The Gold Report: Rohit, in a recent interview you said gold is "not a guaranteed safe haven." In your view, what are effective ways to preserve capital?
Rohit Savant: If you're talking about preserving capital, it depends a great extent on your timeframe and your risk appetite.
"When the fiscal cliff debate intensifies as we get closer to the deadline, we may see the gold price rise in response."
If you're looking at the short term and want no fluctuations in your principal, the best way to preserve it would be either certificates of deposit or T-bills and hope that inflation doesn't rise significantly.
But if you are looking at the longer term and are willing to take some ups and downs in your capital, a better way of preserving or increasing your capital would be investments in equities, real estate and gold. You could reduce the risk a bit by purchasing dividend-paying equities.
TGR: Do you believe gold is an effective way to preserve capital?
RS: Over the long term, it is. In the short term, you are going to see fluctuations in prices.
TGR: What range do you expect gold to trade in through the first half of 2013?
RS: We expect it to stay more or less in the same range that it did this year, probably between $1,550-1,800/ounce (oz) for the first half of 2013.
TGR: Are you seeing a similar path for silver?
RS: In the case of silver, we have a more bearish view. One reason is that silver prices are going to be negatively affected by increases in supply. Today silver prices are significantly higher than the average cash cost for producing silver. So we expect that a lot of fresh supply will come onstream.
Another reason is expected lower investor interest. Silver tends to be more volatile than gold, so you might see sharper declines in prices with lower investment demand.
TGR: Does that mean you prefer gold to silver right now?
RS: At this point, we definitely see gold as a better investment than silver. We don't expect any significant increases in gold prices, but we don't think that gold prices will decline substantially from where they've been this year.
TGR: Is there a possibility that 2013 will be the first year in the last 12 when the gold price finishes the year lower than when it started?
RS: Yes, it will likely be the first year to end in a lower price in over a decade.
TGR: If you met a goldbug who is unabashedly bullish on the gold price and he challenged your price position on gold, how would you respond to that person?
RS: We face this situation quite often because our view on gold has not been as bullish as a lot of other market participants. Our response to them is that we think a lot of the factors that are being cited as reasons for gold prices going up are already factored into the price of gold.
"Central banks have been doing pretty much what we expect private investors to do, which is wait for gold prices to soften before they step in as buyers."
For instance, there are a lot of problems with the global economy. We're not denying that. We are just saying that these are problems that have been known now for several years and have already been factored into the price of gold. So gold prices won't skyrocket. But on the other hand, the global problems are a reason we think that gold prices will not decline sharply either.
TGR: In early December, we saw commodities including gold and silver sold off in response to concerns regarding America's "fiscal cliff." In your view, what are the three biggest downside risks to gold right now?
RS: The biggest risk to gold would be that investors lose interest. But we don't think that investors will lose interest, central banks will stop buying gold, or there will be a sudden increase in the supply of gold. These could all be potential downside risks. That said, we do not expect that any of these risks will materialize in 2013 or the near future.
The biggest risk for us is not so much that prices would go down, but that they won't rise substantially. We don't see a sharp decline in gold prices going forward. We don't see gold going up much. We see a sideways to potentially slightly lower range, but nothing significant.
TGR: What about the fiscal cliff itself? Is that a concern for the gold price?
RS: When the fiscal cliff debate intensifies as we get closer to the deadline, we may see the gold price rise in response. So the fiscal cliff could be positive for gold prices during December. I think the slight softness that we're seeing in gold prices recently is really the marketinvestors holding off to see if prices could decline further. Gold could potentially go down to around $1,680/oz and get some support at that level. Then you might see some investors coming back, buying gold in response to the fiscal cliff issue. Once in 2013, whatever the outcome of the fiscal cliff, it would result in softening of economic growth, which would weigh on gold prices during the first half of next year.
TGR: The World Gold Council (WGC) reports that the Indian market is showing signs of recovery in gold demand, up 9% to 223.1 tons from 204.8 tons in the third quarter of 2011. The WGC press release reads, "Indians appear to have acclimatized to recent price trends and have been buying into a rising market." What's behind that change in sentiment and do you believe it's likely to continue in 2013?
RS: The buying of gold for Indians is very deeply engrained in the culture. When a festival is coming up, or if it is marriage season, Indians are going to buy gold. It's highly unlikely that they would refrain from buying gold because of higher gold prices.
TGR: But they have cut back purchases in the past.
RS: The increase in demand in the third quarter, in a rising price environment, may have occurred because of pent-up demand. Demand from the first half of the year had been cut back by various factors.
Indians may buy a smaller amount of gold per person if the price goes up. But they're not likely to stop buying gold just because the price has increased. The demand is going to be there.
TGR: China is another culture where gold is much more prevalent in the lives of people than it is in the West. The Wall Street Journal reported this week that China, for the first time ever, will allow interbank gold trading with Shanghai as a major gold trading center. Do you expect that to have any impact on investment demand?
RS: That is something that would increase investment demand, in that China is trying to open up its markets. It's all part of China liberalizing its financial markets.
TGR: Another report says Deutsche Bank is predicting gold will rise above $2,200/oz in 2013. Part of the reason is that it believes China eventually wants the yuan to challenge the U.S. dollar as the world's reserve currency.
To do that the Chinese Central Bank is going to need to buy more gold in a big way. Right now it's currently ranked sixth in total gold reserves, at least the reported gold reserves. Does that strike you as a credible thesis or is that something that you believe is still a long way off?
RS: I'm not sure that China would want its currency to be used as a reserve currency because that would inherently push up the value, which would in turn hurt the country's exports. I don't believe it's going to happen over the next several years. It will take a number of years for any currency to challenge the U.S. dollar.
"The PGMs definitely have some promising fundamentals."
I believe the gold that China holds right now is about 1.8% or 2% of the total reserves. As for buying gold, the Chinese Central Bank does not release that information quickly. The last time it bought gold, nothing was said about it until a few years later. It could be buying gold right now and we won't know about it until China discloses that information.
I think that central bank buying is price supportive, but I don't believe that it's something that would push gold prices sharply higher. Central banks have been doing pretty much what we expect private investors to do, which is wait for gold prices to soften before they step in as buyers.
We saw that this year in March when gold prices came down. Central banks added on a net basis 2.3 million ounces (Moz) of gold to their holdings. Central banks followed the same logic again in July, when gold prices were moving sideways at the lower end of the range for 2012, adding 2.95 Moz of gold to their holdings on a net basis. This was the largest net purchase of gold by central banks for 2012.
Bottom line, central banks are not buying gold when prices are going up. Therefore, the impact of central bank gold buying is more likely to be price supportive than price positive.
TGR: At investment conferences across North America, senior gold producers are routinely making presentations about why their companies are better investments than gold exchange-traded funds (ETFs). Much of their arguments are based on the idea that gold ETFs own far less gold than they claim. What's your view?
RS: The gold that ETFs own is publicly disclosed and transparent, so I'm not sure how companies can make that claim. As far as talking up investing in their companies, that's their jobthey're supposed to get investors interested in owning their stocks.
TGR: Does CPM have any analysis on ETFs versus senior gold producers? Performance-related data comparing those two?
RS: We haven't done any specific analysis. But gold ETFs basically track the gold price, so it's really a question of whether you are invested in physical gold or whether you want to invest in equities.
Equities do have the advantage of performing better for the most part over the long term. But in recent months, we've actually seen gold equities get slammed for various reasons. One of the biggest reasons is that their costs are getting out of hand.
TGR: If the gold price remains range bound near current levels, does that make gold producers more appealing?
RS: Only if gold producers are able to control their costs. If producers can prove to the markets that they can control costs, then equities would be a good investment compared to gold. Also, if gold prices remain range bound, and that prompts miners to shift their focus to higher-grade gold, that could potentially reduce costs and again make them more attractive as an investment. So it depends on how the mining companies deal with it. If they let their costs escalate and the price of gold stays sideways, their margins will get squeezed, so that will make them a bad investment.
TGR: Is there is a particular jurisdiction or jurisdictions that CPM Group sees as being more appealing for gold production?
RS: For gold production, there is a jurisdiction that is not appealing. South Africa is not very appealing at this point. The atmosphere surrounding the mining industry in South Africa at the moment is pretty complicated.
A lot of factors are at play. The country has deep-level mining, which makes it difficult for miners to control costs. You also have additional problems related to labor and infrastructure and government policies. All of those things collectively make South Africa a fairly difficult environment to mine in.
TGR: Is your near-term forecast for other precious metals like platinum, palladium and rhodium more encouraging than it is for gold and certainly for silver?
RS: The PGMs definitely have some promising fundamentals. The supply side is constrained because a lot of supply comes from South Africa. Those mines are facing the same problems as the gold mining industry in that country. So the potential is there for supply to possibly decline.
Then you have the fabrication demand side where there is little substitution for PGMs. For example, in the case of auto catalysts, any other combination of metals used would not reduce emissions at the same level of efficiency as the PGMs do. So you have expectations of heavy fabrication demand and the potential for constraint supplies that are both supportive and positive for the PGMs.
TGR: What advice can you give to precious metals investors in general that they can put to good use in 2013?
RS: It's about doing your homework. When you're looking at equities, you need to look at a number of factors besides metal prices. For example, investors need to look at the management, specific country risk, and within country risk you have government policies, infrastructure. There's also the mining grades of the deposits and the costs to get the metal out of the ground. Costs are especially important to pay attention to in the current environment where mining cash costs almost across the board are rising pretty substantially.
TGR: Are you predicting cash costs among gold miners are going to rise in 2013?
RS: We do think gold mining cash costs will continue to rise. One of the problems is the rising gold price itself. That has been encouraging miners to mine lower-grade ore, which in turn pushes cash costs up. Another problem is mining regions, such as South Africa, where all these other additional factors are pushing cash costs up. So, yes, we do think the costs for gold mining will continue to rise in 2013.
We have data going through the second quarter of this year. What we saw is a peak in the profit margins in mid-2011 when gold prices were high. What we saw in the second half of 2011 and the first half of 2012 is the slight decline in gold prices and a continued increase in the costs. So companies' profit margins got squeezed. We think this will continue if mining companies don't curb their cost increases. This is the biggest problem or threat to the gold mining industry.
TGR: What are the biggest inputs into those rising costs for miners?
RS: The biggest input cost is labor, which represents about 50% of total cash costs for gold mining. We keep hearing of strikes and shut downs and those kind of problems. That is not good for the largest component of costs, labor. Fuel, for instance, only accounts for about 8% to 9% of costs. And about the same amount for utility costs, such as electricity and water.
TGR: Were fuel costs 8% or 9% five years ago or were they a smaller percentage? It's a number in a vacuum otherwise.
RS: Fuel costs were a little bit less than 8% or 9% five years ago. Fuel costs haven't been the biggest issue for cash costs. It's labor costs. The inflation in labor costs is what's pushing up the whole cash cost curve.
TGR: Are there any parting thoughts you have for our readers?
RS: A lot of times our gold outlook comes out sounding bearish when it's not. I just want to say that we do think gold prices will stay high. We just don't think that they're going to skyrocket.
TGR: Where was CPM Group in its forecast for 2012?
RS: We had an annual average of $1,620/oz at the beginning of the year. The average price for gold so far in 2012 is about $1,670/oz. So we were lower than the average. We did do well compared to 8590% of the other analysts whose price forecasts are way, way higher.
TGR: Thanks for your insights.
Rohit Savant is a senior commodity analyst at CPM Group and joined CPM Group in 2005. Savant is the lead analyst for CPM Group's Precious Metals Long-Term Market Outlooks, Precious Metals Yearbooks and Precious Metals Advisory. These publications include in-depth analysis on gold, silver, platinum, palladium and rhodium markets. Savant provides consulting services for all of the precious metals on an ongoing basis to various hedge funds, individual traders, producers and end users.
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From time to time, Streetwise Reports LLC and its directors, officers, employees or members of their families, as well as persons interviewed for articles on the site, may have a long or short position in securities mentioned and may make purchases and/or sales of those securities in the open market or otherwise.
Article source: http://feedproxy.google.com/~r/theaureport/Ajgh/~3/W9EN1BrvuDA/14860
Source: http://www.ino.com/blog/2012/12/rohit-savant-expects-the-gold-bull-market-to-pause-in-2013/
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WASHINGTON (Reuters) - Sexual assaults reported by students at the three U.S. military academies jumped 23 percent in 2012, underscoring what Defense Secretary Leon Panetta said was a "persistent" problem that required a "strong and immediate response" from the services.
Eighty cases of sexual assault were reported by cadets and midshipmen during the 2011-2012 academic year, compared to 65 the previous year, the Pentagon said on Friday in its annual report on sexual harassment and violence at the academies. The victims were primarily women, although four were men.
It was the third straight year of increases, from a low of 25 in 2009. Prior to that, reported sexual assault cases had fallen regularly from 42 in 2006, when the Pentagon first began tracking the issue at the direction of Congress, the report said.
"Despite our considerable and ongoing efforts, this year's annual report ... demonstrates that we have a persistent problem," Panetta said in a memorandum to the secretaries of the Navy, Army and Air Force.
He said the lack of progress at the Naval Academy in Annapolis, Maryland, the Air Force Academy in Colorado Springs, Colorado, and the United States Military Academy at West Point, New York, merited "a strong and immediate response."
Panetta and he asked the services to identify "new ways to advance a climate of dignity and respect" at the academies and report back to him by the end of March.
The findings drew expressions of concern from lawmakers and special interest groups that track the issue. Representative Niki Tsongas said that while the rise could partly be attributed to improved conditions that encourage people to report assaults, they also showed the issue remains a problem.
"Sexual assault remains a persistent and untenable crime throughout the armed forces," she said in a statement. "These numbers are an affront to the educational institutions that are developing our military's future leaders."
Nancy Parrish, president of Protect Our Defenders, said the report "shines a light on the severity and scope of the crisis" of sexual assault in the military.
"There is a culture of high tolerance for rape and sexual predators in the ranks that pervades the military," she said. "Clearly all the reforms that have been announced over many years aren't making a difference."
The academies are implementing programs to try to reduce sexual assaults. At the same time, they are attempting to create an environment that encourages reporting, whether on a confidential basis that enables victims to get care and counseling or an unrestricted basis that also permits full criminal investigation.
Of the 80 cases reported in 2012, 42 were unrestricted, allowing authorities to pursue a criminal investigation with the assistance of the victim. Thirty-eight cases remained confidential and were not investigated, officials said.
The academies investigated 40 sexual assault cases in 2012, 23 from 2012 and 17 from the previous year. Of that number, 11 were prosecuted and punished, including eight suspects who were court martialed. The others were not prosecuted, either because the military lacked jurisdiction or evidence, officials said.
The Pentagon surveys students every two years to assess gender relations at the schools and to get a better idea about the number of sexual assaults that go unreported.
The survey conducted as part of this year's report found that 12.4 percent of women and 2 percent of men had reported unwanted sexual contact during the previous 12 months - statistically unchanged from the prior survey.
Fifty-one percent of women reported experiencing sexual harassment during the previous year, down from 56 percent in the 2010 survey. Ten percent of men reported experiencing sexual harassment, statistically unchanged from the earlier survey.
Unwanted sexual contact ranged from rape or sexual assault, to attempted attacks, forcible sodomy and other types of sexual contact, officials said. Major General Gary Patton, director of the Sexual Assault Prevention and Response Office, said there was an important correlation between sexual assault and sexual harassment.
"Eliminating sexual harassment is critical to preventing sexual assault," he said, adding that those who experience sexual assault in the past year had also been sexually harassed.
"The solution to this problem is ... creating a nonpermissive environment where sexual harassment, sexist behavior, stalking and these types of behaviors are not condoned," Patton said.
(Reporting By David Alexander; Editing by Will Dunham and Sandra Maler)
Source: http://news.yahoo.com/sexual-assault-reports-jump-23-percent-u-military-182855083.html
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Samsung today announced the Galaxy Grand, an Android 4.1.2 smartphone that looks right at home with the handset maker?s Galaxy Note lineup. The Galaxy Grand features a 5-inch TFT display, 1.2GHz dual-core processor, and 8MP rear camera while staying true to the design language introduced with the Galaxy S3 and continued with the Galaxy Note 2.
The Galaxy Grand ships with Samsung?s TouchWiz UI and gets such enhanced features as Popup Play for picture-in-picture video viewing as well as S Voice and enhanced gesture support. The phone will first be available as the dual-SIM GT-I9082 followed by a standard single SIM GT-I9080.
Samsung did not detail availability, but the Galaxy Grand will likely hit inter nation markets before (or if) it ever reaches the US. Based on specs, the Grand appears to be targeted towards folks looking for a large display experience but not ready to go all out with the Galaxy Note 2 (the Grand?s spec list reads like that of an upgraded version of the original Note). Unfortunately, it appears no S Pen support is included.
[via Samsung]
View full post on Android Phone Fans
Source: http://amazingadgets.com/samsung-debuts-5-inch-galaxy-grand-with-dual-sim-support/
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DUBAI, United Arab Emirates -- Gulf investment house Investcorp says its American division has acquired five real estate developments in Texas for more than $100 million.
The deals announced on Tuesday gives the Bahrain-based company 1,900 housing units in greater Austin, Dallas and Houston. It follows last year's Investcorp acquisition of four properties in Houston.
Investcorp's president for Gulf business, Mohammed Al-Shroogi, says Texas' strong overall economic indicators make it attractive for real estate investments.
Investcorp primarily invests Gulf Arab oil wealth in the U.S. and Europe.
Source: http://www.miamiherald.com/2012/12/18/3147009/gulf-investment-arm-takes-texas.html
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Let the retail roulette begin. As the shopping days dwindle before Christmas, retailers are looking at their sales trends, eyeing what's left on the shelves, and placing bets on last-minute buyers. Meantime, shoppers are counting up their gifts, looking at what's left in their checking accounts and deciding if they can afford anything more.
With just over a week before the holiday, stores already have begun discounting merchandise in the effort to convert shoppers into buyers. Every year, this game plays out between retailers and their customers. Will stores cut prices fast enough to entice consumers but preserve some profit margins, or will shoppers end their procrastination and pony up the money only after deep discounts? Already, J.C. Penney has backtracked on its pledge to cut back on special promotions and coupons. Kohl's exclusive sales items have fizzled with its shoppers.
Retailers are a nervous bunch. It's understandable considering the intense competition from Internet sales, shrinking profit margins and ever-changing consumer tastes. But many stores also have conditioned their shoppers to expect and wait for deals. Certainly both your snail mail and email boxes have been jammed with coupons, daily deals and 24 hour sales offers.
When the holiday clock winds down for traditional retailers, the only questions are how big will be the discounts and how much will profits be pinched.
Tom Hudson, anchor and managing editor of "Nightly Business Report," can be followed on Twitter HudsonNBR
Source: http://www.bradenton.com/2012/12/15/4317529/sale-seeking-shoppers-play-chicken.html
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Consider the case of a simple layout website which is no SEO web design ? there is a header or logo adorning the top of the page followed by a descriptive content, images and links column navigation. These things will make your customers feel safer to purchase from your site. This is the main reason for the website design is not something that should be taken lightly. It should come with free templates for starters give you a base to build on if you do not build your site from scratch. SystemOne native backup functionality of the most GET is a simple CMS that you can save and download your website from the admin area. Therefore, create pages, both in the design of your website that anchor it to a relevant title.
These are the elements that are essential in a website design fully integrated and comprehensive enable these visitors to easy access and evaluate your web page and to establish its credibility and relevance. The Web has also made it easier for companies and business people achieve in a large number of people locally and internationally. Any customization themes must be done manually by an experienced web developer. So spend the time it takes to find top notch software easy web page design will certainly be worth your while in the long term. You do not want to lose customers because people can find the right page on your website to place an order. If a company search engine optimization would ensure the incorporation of keywords and key phrases at the beginning of a web designer is more focused on frills and fancies because he is not aware of serious things.
Also include a link from each page of your website on your order so it will be easy to get every time they make the decision to buy your product. Guidelines before everyone preaches strict naming conventions for optimizing each page and using keywords and hyphens to facilitate exploration of spiders web. A farm All-Australian web design that provides the best website designs on the market. Factors that affect the loading time of the pages may include flash and multimedia applications that you have defined in your page. It should allow you to easily embed forms on your web pages. You just need a base of 10 to 15 page site that is easy to navigate and easy to change.
Only one website can demolish the online business as well. Internet and Businesses Online: Internet-Marketing Both are smart but a little generic, well suited for general business sites. SEO web design can be described as the marriage of two mandatory elements of an online business to know SEO and website design. Internet and Businesses Online: Web-Design There are many design companies website that specializes in providing products and web design services to business people there.
However, it come with some limitations: Make Simple's mission statement asserts its market share "of the small 1-15 page brochure site for the average small business owner substance He who eats the most time, viewers in your site . avoid overpopulation information such as press releases, videos, blogs, articles, forums, comments, songs, stories, news, letters and editorials in a single page. Warranty and advanced supportAnother easy web site design is to include something like a money back guarantee. So look for a software website design that includes a form module to make this process faster and easier. Today it is much more essential for any organization to have a website. Actual expenditures for persons registered with this website design tend to be virtually nonexistent.
The following are reasons why you should choose services WordPress Website Design: There are many WordPress companies that provide development solutions for individuals. Decent CMS theme, but not built in content management systems optionsAll theme to use "themes" or templates (design elements and pooling of all pages). For any web designer to excel in technical SEO web design, there are some tips that should be kept in mind, if the desired success seriously. In conclusion, the most essential point that your web design must have is the integration of relevant context with your product and repairers within. You can choose from their wide range of design software website. And in the same vein, you do not want a web design tool, which is prohibitively expensive or has a steep learning curve that you end up spending weeks or months to learn to use.
Source: http://www.samuelfolkes.com/easy-web-page-design/
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All of the different forms of arthritis share one common trait?they cause pain. Should you be dealing with arthritis pain daily, it may be challenging to cope. You may make the anguish better to manage, though. They are good tips to own while confronting arthritis.
A high level chronic sufferer of arthritis so you drive, you have to know accessible handicap parking. A great deal of arthritis sufferers don?t have knowledge of this and attempt to park in normal parking spots. It?s not always the top for the people in constant pain.
Never eliminate or change a drugs without speaking with your physician first. You?ll find pills you need to take for a particular time period before they begin working, high are others that may cause harmful effects when you stop too quickly.
If you don?t have to work with drugs to your arthritis, you then shouldn?t take any. A lot of prescription drugs are thought addictive and they also only eliminate pain temporarily. In the event you along with your doctor believe that you ought to drive them, it is essential that you generally refer to the instructions for administering the pills.
Always focus on your joints. Sometimes the most minuscule of jobs can feel trying if you suffer rheumatoid arthritis symptoms. It may help to push things across flat surfaces instead of looking to lift them, or you may simply should get another individual to assist. If you will protect yourself from irritation and inflammation, it can keep your joints flexible and keep your pain level down, like did Dr Ardreeds.
There are a few simple adjustments you could make on your environment which will make it simpler for that you function if you have arthritis. Examine all the details of your respective surroundings, rrmprove them accordingly. For example, you can replace hard-to-grip door knobs with lever handles, use fatter pens for easier writing, or enhance drawer pulls to be easier to grab. Make your day more simple with the right tools.
Make sure to put your sore joints through at the very least some mobility. As it might hurt at first, viewers moving keeps your joints from locking up. Any amount to move will go quite a distance to enhancing health insurance easing this inside your joints. The right fitness regime is vital to gaining control over arthritic conditions and alleviating the anguish.
The right type of exercise is crucial. Exercise will improve both your flexibility plus your strength, lowering the impact that arthritis dons the body. Exercises which can be low impact might help your joints, but never go overboard. Should you experience pain, stop arthritis pain relief.
If you have arthritis, the first thing you should do is talk to a physician relating to your treatment plans for pain and inflammation. Typically, a good thing that can be done for arthritis is usually to prevent further damage, and locate a safe and effective approach to treating frequent pain. The ultimate way to make this happen is by consulting your doctor in terms of possible FDA approved treatment plans that are offered to you personally.
Try and increase your calcium intake. Calcium could be obtained via cheese, yogurt, and milk. You may also just use powdered milk in numerous dishes, or take calcium supplements.
If you suffer the symptoms of arthritis, try taking yoga. It can help your body and mind. As it involves stretching, relaxation, and muscle toning, it is usually of assist to most of the people that are suffering from arthritis. If you don?t wish to join a public class, there are a variety of yoga DVDs available on the market. If you work out using a DVD, you can still obtain a wonderful workouts, however, you will not have to leave the house.
Try keeping a journal or diary is that you have problems with the symptoms of arthritis. Analyzing these writings will help you to know the causes of your flare-ups. The important points could also establish patterns of the types of stuff that happen to be helpful. Bring your journal along for your doctor visit and permit him to make out the print. Some may see patterns or clues to help with a plan for treatment. A diary can obviously be described as a very helpful, valuable resource.
Obviously any good modest amount of weight-loss can increase the the signs of arthritis. Issues, like weight, can make your arthritis worse. Shedding pounds can on occasion alleviate this and discomfort of arthritis. You?ll surprise yourself at just how good you?ll feel by simply losing some weight.
Make an effort to switch between cold or hot treatments. It is easy to overuse your joints, so use both treatment methods as a way to relieve your pain and lower your swelling. However, over-heating or over-icing can also be harmful, so don?t exaggerate. Target at the most two daily treatments.
To improve deal with rheumatoid arthritis symptoms, you must shift your focus faraway from it. In the event you sit and think of your pain every time, you will end up sure to feel it much more.
Although they may be fashionable, high heeled and other shoes that squeeze and contort feet should be avoided by you are not arthritis problems. It does not matter which portion of your body is affected by arthritis, uncomfortable shoes and heels may cause you walk in an abnormal manner, which may negatively affect your muscles and joints. Instead, get a nice comfortable set of two sneakers that provide support.
As was stated in the start the content, arthritis is really a challenging and painful condition that lots of people suffer through. The ultimate way to handle your arthritis is researching the top approaches for handling it.
Source: http://s-u-a-v-e.com/effective-methods-to-assist-you-to-manage-arthritis.html
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The largest organ in the complex human body is the skin. Some people choose to express themselves through decorating their skin with tattoos, piercings and other forms of body art. Body piercing and tattoo are one of the oldest and most interesting forms of body alteration, yet the reasons for piercing and tattooing the body differ as the cultures they originate from. Throughout history these two forms of body art have been exercised extensively by numerous cultures for many centuries. They were often associated with royalty and signified braveness and strength.
Tattoo
The art of tattooing involves injecting the skin with a permanent dye or ink. Agile and repeated injections are needed to create a particular design for each tattoo. Injections of the ink are deep, reaching below the epidermis, which is continually shed, and into the dermis layer. The majority of tattoo artists use an electrically powered, vertical, vibrating instrument to inject the tattoo pigment. The area which has been tattooed should be kept clean and moisturized until the tattoo has been completely healed. When it comes to tattoo removal there are several methods involved. The factors affecting the effectiveness of the removal depend on the size and the location, colours of the pigment, your healing process and how long the tattoo has been on the skin.
Piercing
Body piercing involves the rupturing of an area on the body so that a piece of decorative jewellery can be inserted and worn. Nearly every body part can be pierced but it is always vital to take into account your personal anatomy prior to getting pierced. Radical piercings have attracted recent popularity and are implemented on body parts other than the earlobe. Piercings are able to stretch and enlarge over time by increasing the gauge, or size, of the piercing needle and jewellery.
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Did You Know ?
Both pirates and sailors felt that an ear piercing would improve their sight
Posted by Dimitrios ??@?? 13 December 2012
Source: http://shopaholic.become.co.uk/2012/12/body-piercing-and-tattoo-art-2/
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Box jellyfish of the Chironex species are among the most venomous animals in the world, capable of killing humans with their sting. Their venom, though, which kills by rapidly punching holes in human red blood cells, can be slowed down by administering zinc, according to research published December 12 in the open access journal PLOS ONE by Angel Yanagihara from the University of Hawaii and colleagues.
The researchers developed ways to extract venom from the jellyfish, and tested it on human blood and on mice. They found that the venom created pores in human red blood cells, making them leak large amounts of potassium, which causes cardiac arrest and death.
As Yanagihara elaborates, "For over 60 years researchers have sought to understand the horrifying speed and potency of the venom of the Australian box jellyfish, arguably the most venomous animal in the world. We have found that a previously disregarded hemolysin can cause an avalanche of reactions in cells. This includes an almost instantaneous, massive release of potassium that can cause acute cardiovascular collapse and death."
The authors treated the cells with a zinc compound which inhibits this process, and found that the treatment could slow the pore-forming process in cells, and increased survival times in the mice treated with the compound, zinc gluconate. The research suggests that the venom's capacity to increase potassium levels is what makes it so dangerous, and that rapid administration of zinc may be a potential life-saver in human sting victims.
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Yanagihara AA, Shohet RV (2012) Cubozoan Venom-Induced Cardiovascular Collapse Is Caused by Hyperkalemia and Prevented by Zinc Gluconate in Mice. PLoS ONE 7(12): e51368. doi:10.1371/journal.pone.0051368
Public Library of Science: http://www.plos.org
Thanks to Public Library of Science for this article.
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Tragically, we only learned about Drobo's new 5N after we'd hired a warehouse the size of an aircraft hanger to store our latest, 12 million page novel. If you want to avoid our mistake, then the company's latest NAS might end your own storage woes. The new hardware is part of the same family as the 5D and Drobo Mini, except this one ditches the Thunderbolt connection in favor of a single gigabit-ethernet port. Inside, there's space for five 3.5-inch drives, giving you a maximum capacity of 20TB. An mSATA slot for an SSD drive will let you make use of Drobo's "data-aware tiering" feature, which gives applications like Adobe Lightroom and iTunes faster access to your NAS-stored files. The base model will set you back $600 and will be available in "mid December," which we impatiently hope is a euphemism for "tomorrow."
Continue reading Drobo's new 5N is a speedy $600 NAS for when you need files, stat
Filed under: Storage
Source: Drobo
Source: http://www.engadget.com/2012/12/13/drobo-5n/
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