শনিবার, ২০ অক্টোবর, ২০১২

Accountants and bookkeepers key to Digital Economy | Xero ...

Over the past six months, we?ve been in close contact with Australia?s Department of Broadband, Communications and the Digital Economy (DBCDE). As we?ve grown exponentially in Australia, Minister Conroy?s department has shown increasing interest in our leadership role in the uptake of cloud technologies amongst SMEs.

So it was an honour to be invited to attend the Prime Minister?s Forum on the Digital Economy in Sydney, where 40 business leaders presented to Prime Minister Julia Gillard.

Taking the stand, the first part of my pitch to the government was to highlight the opportunity to engage accountants and bookkeepers as a potential channel to reach and educate small businesses on the merits of cloud computing and the NBN. In the same way that Xero has been able to grow our business, I wanted to highlight the critical role that the accounting advisor can play in small business. Here is my appearance in the video (9 minutes) or you can watch the original full length video:

I then urged the government to increase investment in development of web services across the many government departments that small business owners need to engage with, rather than simply building compliance websites.

A?report only last week from the Australian Chamber of Commerce & Industry on the red tape requirements of SMEs (Small & Medium Enterprises), confirmed that nearly half of all small business owners in Australia are spending up to 5 hours on compliance based activities each week.

The SME sector represents 46% of the nation?s GDP, so streamlining compliance through seamless data flows between government and business software providers like Xero could have a profoundly positive impact on productivity and hence Australia?s economy.

Finally, I urged the government to follow the lead of the NZ and UK in developing a Code of Practice for cloud companies. This is all about ensuring a minimum set of disclosures and standards to help raise the bar on providers in this space. Consumers and businesses need to have assurances about moving to the cloud. It is our belief that a government backed framework supported and adhered to by all industry providers would go a long way to seeing cloud computing in this country grow and thrive.

Next steps

There was overwhelming consensus that the day was a success and that significant investment in broadband infrastructure is needed in Australia to ensure the growth in our digital economy and position us to be competitive globally.

All participants had an opportunity to have their say and the number of ideas and ground covered will pose a challenge to the government in using this to help shape policy. At the very least, they?ve now heard from industry.

Julia Gillard was engaging and often quite charming in her summations. At the conclusion of the day she highlighted four key initiatives that she believed were key takeaways that the government would need to act upon:

  • Skills: The immediate need to address Australia?s skills pipeline in ICT and ensuring that we attract and develop more talent into this sector;
  • Teleworking: Continued efforts to drive teleworking with the aim to have 12% of workforce teleworking for at least one day per week by 2020
  • Cloud computing: Development of a comprehensive cloud computing strategy for small and medium business with industry and government participation
  • Cyber whitepaper: The expansion of a cyber whitepaper that is currently in the pipeline to include more digital themes around education, skills and the fostering of ecosystems

From my perspective, the day was of huge value and offered real promise to the cloud computing industry in Australia. The Australian government is well aware of the ?Cloud-First? strategy that the US Government has adopted and the dialogue throughout the day would certainly indicate that they are keen to find ways to better support the industry.

Xero will continue to be at the table to promote our views on how to promote cloud computing into the SME sector and we see a critical role for our partners in making this happen.

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Source: http://blog.xero.com/2012/10/accountants-and-bookkeepers-key-to-digital-economy/

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শুক্রবার, ১৯ অক্টোবর, ২০১২

Sessions for this year's Master's of Business Online - Internet ...

A One-Day Event Every Marketer Should Attend

Your prospects who will work with your company will not engage with your sales person until they are 55% of the way through your sales process. The reason is that today people would much rather educate themselves on your product or service and do their own evaluation on whether you are able to solve their problems. The down economy from a few years back created a different consumer ? a consumer who expects an experience that provides valuable insights and solutions to their problems before they even engage in a conversation with you.

mbo logo A One Day Event Every Marketer Should Attend

You might ask ? where are they getting these insights? The answer is simple ? from your website and other outlets on the internet. If your website doesn?t provide the experience and insights they expect then they will get it from your competitor?s website.

Fortuantly, you can learn quickly how to get your company positioned for a profitable customer experience. There is a one-day event in Indianapolis on Monday, November 12 called ?Masters of Business Online? or better known as ?MBO?. Whether you are a beginner or an industry expert this event has the learning tracks just for you.

A few of us from Galvin will be at this event and as we take a look at the event?s agenda we are trying to determine what sessions make the most sense to attend. So we created a breakdown of the sessions by topics. This list helped us and we thought it might help you too.

Topic: Metrics
  • How to Measure Social Media: A Step-By-Step Guide to Developing and Assessing Social Media ROI (Keynote Presentation)
    - Nichole Kelly, President, Social Media Explorer
    - 9:10am
  • Lead Scoring and Nurturing for Lifecycle Marketing
    - Kathy Brown, Vice President of Client Success, Right On Interactive
    - 2:40pm
Topic: Content Marketing
  • The 5 P?s of Content Marketing: Plan, Produce, Publish, Promote, Prove
    - Frank Dale, CEO, Compendium
    - 10:20am
  • SEO in a Post-Panda/Penguin World
    - Haley Drummond, Director of Organic Search, One Click
    - 11:10am
  • How Data-Driven Content Marketing Changes The Game
    - Mary Wallace, Director, Client Marketing Services, UBM
    - 1:50am
Topic: Business Development, Sales and Marketing
  • Engaging Customers Through Multiple Digital Channels
    - Jessica Bradford, Manager for Customer Engagement and Interactive Campaigns, FedEx
    - 11:10am
  • Finding and Marketing to Niche Audiences Online
    - Jeff Ready, CEO, Scale Computing
    - 11:10am
  • Marketing in the Zero Moment of Truth (ZMOT)
    - Daren Tomey, Enterprise Business Development, Zmags
    - 1:00pm
  • The End of Customer Focus: Creating Meaning in the Age of Anxious Noise
    - Pete Gall, Director of Brand and Content Strategy at Kristian Anderson + Associates
    - 1:50pm
  • Navigating the Affiliate Marketing Roadmap
    - Cole Fisher, Affiliate Marketing Manager, ChaCha
    - 2:40pm
  • Flipping the Funnel: Connecting with Non-traditional Demographics through Inbound Marketing
    - Carissa Newton, CMO, Oak Street Funding
    - 2:40pm
  • In Mobile, One Size Does NOT Fit All
    - Ryan Mull, Managing Partner, Imavex
    - 2:40pm
  • Don?t Waste Your Second Impression: Enhance Your SEM Efforts with Remarketing
    - Joe Kerschbaum, Vice President, Clix Marketing
    - 3:30pm
Topic: Social Media
  • Building Your Brand Through Social Media Storytelling
    - Jenny Messmer, Digital Marketing Manager, The Children?s Museum of Indianapolis
    - 10:20am
  • 7 Habits of Highly Effective YouTubers
    - Julie Perry, Vice President Social Media, BLASTMedia
    - 10:20am
  • Using Social Media Influencers to Drive Brand Awareness
    - Muhammad Yasin, Marketing Director, HCC Medical Insurance Services
    - 1:50pm
  • Online Communications: Not Your Grandmother?s News Release
    - Lauren Littlefield, Director of Communications, ITT Educational Services
    - 3:30pm
Topic: Customer Retention
  • The WHY Workshop: Creating Emotional Connections that Keep Prospects and Clients Close
    - Jon Digregory, Founder, Cantaloupe.tv
    - 1:00pm
  • Email is Dead, Long Live Email
    - Todd Muffley, CEO, Fat Atom Marketing
    - 1:00pm

Short video on why you should attend the 2012 MBO

Other Related Posts

Source: http://blog.galvintech.com/internet-marketing-2/a-one-day-event-every-marketer-should-attend-1989.htm

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8 reasons social gaming's gold rush is drying up | GamesRadar

An excellent article chronicling the rise and fall of the second coming of 'click-and-wait' games.

Personally, I'm not surprised. It will always be a niche, just like mobile will always be a niche. Someone will be chained to a web browser and unable to play a full-bodied PC game or get to a console. Someone will be stuck in a waiting room with nothing to do. There's the eternal question of attention spans and the porcelain throne.

What we saw, and what I knew was coming from the beginning, is the general public getting exposed to what the rest of us went through in the late 1990s to early 2000s, with a little site known as Newgrounds. And it's playing out just like then. It was new, it was interesting, it boomed. Then came the flood of badly-imitated crap. Then interest waned, leaving only the diehards in its wake.

Mark my words, mobile gaming [cell phones, not portables like the 3DS] are experiencing the same cycle. Eventually, phones will occupy the space where portables cannot tread. "Social" games will occupy the space where mobiles cannot tread. We're getting new ways to interactively entertain ourselves; there is no revolution, there will be no death of any existing format.

Source: http://www.gamesradar.com/8-reasons-social-gamings-gold-rush-drying/

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বৃহস্পতিবার, ১৮ অক্টোবর, ২০১২

Iran sees conspiracy in box office success of Ben Affleck's 'Argo' (+video)

Based on true events surrounding the 1979 takeover of the US Embassy in Tehran, 'Argo' opened this weekend at No. 2 and rose to the top spot on Monday. Iranians are less enthused.

By Roshanak Taghavi,?Correspondent / October 17, 2012

This film image released by Warner Bros. Pictures shows Bryan Cranston (l.) as Jack O?Donnell and Ben Affleck as Tony Mendez in 'Argo,' a rescue thriller about the 1979 Iranian hostage crisis.

Claire Folger/Warner Bros./AP

Enlarge

American moviegoers flocked to theaters this weekend to see Ben Affleck's long-anticipated thriller Argo, which has been generating headlines since it was first screened at the Toronto Film Festival last month.?

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Based on a true story about how the CIA smuggled six American diplomats out of Iran after the 1979 takeover of the US Embassy, the film opened on Oct. 12 and came in at No. 2 in box office sales over the weekend, after "Taken 2" (an action film starring Liam Neeson). By Oct. 15, Argo held the top spot.?

But inside?Iran, where the decision by a group of Iranian students to storm the US Embassy and hold Americans hostage for 444 days is still controversial and vibrantly debated, the press has paid Argo scant attention. The few comments the film has received are generally negative ? Iran's state-run IRNA news agency called Argo "Hollywood?s latest failed attempt to confront the Islamic Revolution" ? and?replete with complaints that the movie portrays all Iranians as stereotypically aggressive and unrefined and fails to give viewers enough historical context.?(Pirated copies of American films typically become available in Iran a few months before the films open in the US, and are easily accessed by the public.)

?Argo makes the people of Iran look like they have no self-determination, and indisputably support violence,? writes Meysam Karimi in a lengthy review?for the popular Iran-based film magazine website, Moviemag.???For me, as an Iranian ? this makes [the storyline behind] Argo much less believable.?

Iran?s semi-official Fars News Agency?labels Argo ?anti-Iranian" and painted the film as a flop. Citing unidentified "news agencies," it asserted that Argo only?managed to reach second place in the US and Canada because the filmmakers artificially boosted sales by purchasing tickets ?en masse? and giving them away for free to random people. ?

Argo??was unable to become a box office hit in spite of considerable advertisement," Fars wrote.??The filmmakers tried very hard and used a variety of methods to increase ticket sales, but they were unsuccessful. ? Even though ?Taken 2? was in its second week, Argo still couldn?t beat it to first place in the box office ? due to a lack of interest among its own [North American] audience.?

Moviemag, the privately owned online film magazine, is more sober in its assessment of the film, acknowledging Ben Affleck?s strong directorial skill and the film?s attention-grabbing story line and?giving the film a four out of five star rating.

"If I were to set aside issues [with how Iran is portrayed], I must admit that Argo is one of this year?s best movies, and expect it to be awarded an Oscar for Best Director and Best Supporting Actor for Alan Arkin?s role," he writes.?

?Without a doubt, a non-Iranian viewer will highly enjoy seeing Argo because the story is strong and keeps the viewer?s attention through to the end,? he adds. ?But for an Iranian who counts this subject as part of our country?s history, the view may be a bit different.?

Almost all coverage of Argo also noted that the film?s Toronto Film Festival debut, Sept. 7, is the same day Canada closed its embassy this year in Tehran and announced the expulsion of Iran?s diplomats from Ottowa. ? ?

?Perhaps it was a coincidence,? writes Mr. Karimi for Moviemag. ?But for [the embassy closure] to take place during the Toronto Film Festival, right when this film was being screened, somewhat undermines the theory that this happened by accident.?

Source: http://rss.csmonitor.com/~r/csmonitor/globalnews/~3/lCJ_WmylCwQ/Iran-sees-conspiracy-in-box-office-success-of-Ben-Affleck-s-Argo-video

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5 Must Try Pasta Recipes | bell' alimento


PENNE WITH OLIVES

Did you know that October is National Pasta Month? A WHOLE month dedicated to one of my most favorite foods on the planet? I can so get behind that and since you?re here I?m pretty sure you can too. With over 600 types of pastas (I?m on a mission to make my way through each and every one) pasta is the perfect foundation for creating endless easy to prepare delicious meals that fit not only your lifestyle but your pocket book too. Talk about win win. I?m sharing 5 of my must try pasta recipes with you today plus a special invitation to party. You know I like a good party right?


SQUASH SAGE & WALNUT PASTA SAUCE

To celebrate National Pasta Month, I?m hosting am #ilovepasta TWITTER party, tomorrow, THURSDAY OCT 18th from 12 ? 1 p.m. EST for PASTA FITS! We?ll be talking about all things PASTA. We?ll be sharing recipes, swapping cooking tips, stories and? more. It might be a good idea to go ahead and eat a bowl of pasta ahead of time so you?re not drooling on your keyboard. Just a thought. Joining me are my fabulously talented friends: Susan from doughmesstic? and Angie of Eclectic Recipes . Sarah, Eat Better RD will also be on? hand to answer any health and nutritional questions you might have.

As if that wasn?t reason enough to attend, there will also be 5 awesome PRIZES up for grabs!

  • 1 ? $100 Amex gift card and pasta prize pack.
  • 1 ? $50 Amex gift card and pasta.
  • 1 ? $25 Amex gift card and pasta.
  • 2 ? Pasta and The Carb Lovers Diet Pocket Guide.

Legal Schmegal: 5 random winners will be chosen and the conclusion of the Twitter party by Pasta Fits and will be notified. Odds of winning depend on number of participants. Winners must be 18 years of age or older and must have a valid US address.

LOBSTER SPAGHETTI

PASTA COOKING TIPS:

  • Save time ? double your favorite recipes, and freeze the extra servings for later use. This works especially well with sauces and baked pasta dishes like lasagna.
  • Make mealtime more enjoyable by serving different, fun shapes ? stars, letters, wheels and bow-ties.
  • For a nutrient-packed meal, pasta can be a great delivery system for veggies ? top it with chopped or mixed vegetables and a favorite bottled sauce.
  • Pairing pasta with legumes, such as beans and lentils, or low-fat dairy products makes for protein-rich, but inexpensive and delicious meatless meals.
  • Instead of meat, try adding vegetables to a light tomato sauce for a plenty of flavor and crunch.
  • Keep leftover cooked pasta in the refrigerator for up to three days. When it?s time to reheat, simply put it in a colander and?then place it directly into boiling water for one minute.


SPAGHETTI AL MORO

PASTA FUN FACTS:

  • ?There are more than 600 pasta shapes produced worldwide.
  • The most popular pasta shapes in the U.S. are Spaghetti, thin spaghetti, Elbows, Rotelle, Penne, Lasagna.
  • Cooked al dente (al-DEN-tay) literally means ?to the tooth,? which is how to test pasta to see if it is properly cooked. The pasta should be a bit firm, offering some resistance to the tooth, but tender.
  • The average person in Italy eats more than 51 pounds of pasta every year. The average person in North America eats about 15-1/2 pounds of pasta per year.


BLT BUCATINI

Hope to see you at the #ilovepasta TWITTER party! Follow me at @bellalimento (if you aren?t already of course and I?m sure you already are right?)

Baci!

Disclaimer: Pasta Fits is sponsoring the Twitter Party and are providing the prizes and shipping listed above to the randomly selected winners. I was compensated for my time. Opinions are my own. Always have been. Always will be. Period.

Source: http://www.bellalimento.com/2012/10/17/5-must-try-pasta-recipes/

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Muddy lake bed holds radiocarbon 'Rosetta stone'

Mud is not renowned for its clarity, but the murky gloop at the bottom of a Japanese lake could provide the clearest, most accurate way yet of calibrating radiocarbon dates. The finding promises to help us pin down exactly when important events in prehistory occurred, including periods of climate change and the date of the Neanderthals' extinction.

We gauge the age of artefacts containing organic matter ? like bones, plant remains and wooden tools ? by comparing the amounts of the radioactive isotope carbon-14 and the stable carbon-12 that they contain. While it is alive, an organism's tissues contain a ratio of the two isotopes that matches the ratio in the atmosphere. Since carbon-14 decays at a steady rate, you can work backwards to figure out when the carbon isotope ratios would have matched that of the atmosphere, and so figure out how long ago the organism died.

The trouble is that the atmospheric ratio of carbon-14 to carbon-12 changes over time, making it difficult to establish exactly how much was in the organism when it was alive, and making the time-of-death calculation less accurate. That's where Lake Suigetsu comes in.

Every year for at least the last 60,000 years, a layer of algae has formed on the lake bed. Each layer includes the organic remains of leaves and twigs, which Christopher Bronk Ramsey at the University of Oxford and his colleagues have analysed to work out their carbon-14 content ? a project that began more than a decade ago.

Layer count

Because counting the layers provides an independent way to establish exactly how old the organic remains are, the team used the information ? together with the carbon-14 content of the remains ? to work out exactly how much carbon-14 was in the atmosphere when the organic remains in each layer were trapped.

"This is massively important," says Chris Turney, a climate scientist at the University of New South Wales in Sydney, Australia, who was not involved in the research. He says it is a bit like a Rosetta stone that will allow researchers from a range of disciplines to work out the precise age of organic remains.

"You've got all these different records all scattered around the planet and nobody's known how to link them all in," says Turney. The Lake Suigetsu record offers a way.

We already have an independent carbon-14 record that came from analysing tree rings, but it stretches back only 12,655 years. The Lake Suigestu data will extend that accurate record to 60,000 years before the present.

Radiocarbon dating expert Paula Reimer, an archaeologist from Queen's University Belfast, UK, says the accuracy with which we can determine an artefact's age could be improved by up to 1000 years as a result of this work. "This is significant if you're trying to measure rates of change such as glacier advances and retreats of species," she says. "You might be able to see if climate change was a factor in the extinction of Neanderthals, for instance."

Unpicking cause and effect

One of the joint leaders of the research, Takeshi Nakagawa at Newcastle University, UK, says the Lake Suigetsu data could help date artefacts that are 25,000 years old to within a century. Such improvements could establish the chronological order of extinctions, human movements and major environmental events, helping to distinguish cause from effect. For example, says Joe Dortch, an archaeologist at the University of Western Australia in Crawley, the work will help us figure out whether humans or climate changes led to the extinction of megafauna, beginning in Australia around 45,000 years ago.

"[The new study] is something that a lot of us have been working towards, but this is a big step up. This makes a massive change," says Turney.

Journal reference: Science, DOI: 10.1126/science.1226660

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Source: http://feeds.newscientist.com/c/749/f/10897/s/24a1b367/l/0L0Snewscientist0N0Carticle0Cdn223960Emuddy0Elake0Ebed0Eholds0Eradiocarbon0Erosetta0Estone0Bhtml0Dcmpid0FRSS0QNSNS0Q20A120EGLOBAL0Qonline0Enews/story01.htm

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Developed a technology that predicts metastasis in breast cancer

ScienceDaily (Oct. 18, 2012) ? Researchers at the Bellvitge Biomedical Research Institute (IDIBELL) and The Institute of Photonic Sciences (ICFO) have collaborated on the development of a diagnostic tool that identifies the metastatic ability of breast cancer cells. The analysis is based on the characterization of the lipid component of the cells, which is indicative of malignancy. This has allowed the researchers to develop a classifier to discriminate cells capable of inducing metastasis.

The results of the study have been published in the online version of the scientific journal PLoS ONE.

The characterization of the lipids associated with malignancy has been possible thanks to the technological development of a spectroscopic device named Raman along with the versatility offered by the experimental models of breast cancer. The results of this process form the basis for introducing this technique in routine cytological diagnosis, which could be extended in the future to diagnose other tumours.

The researchers have analyzed the main components and, partly, the less discriminating ones to assess the profile of the lipid composition of breast cancer cells. They have generated a classification model that segregated metastatic and non-metastatic cells. "The algorithm for the discrimination of the metastatic ability is a first step towards the stratification of breast cancer cells using this quick and reactive tool," explains the study coordinator, ?ngels Sierra, researcher at the Biological Clues of the Invasive and Metastatic Phenotype group of IDIBELL.

Using cytology techniques, the researchers have found a correlation between the activation of lipogenesis (the chemical reaction leading to fatty acids in an organism) and the amount of saturated fats in metastatic cells indicating a worse prognosis and a decreased survival. The lipid content of the breast cancer cells might be a useful measure to determine various functions coupled to the progression of breast cancer. The work has been supported by the Instituto de Salud Carlos III, the former Spanish Ministry of Science and Innovation and the private Cellex Barcelona Foundation.

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Story Source:

The above story is reprinted from materials provided by IDIBELL-Bellvitge Biomedical Research Institute.

Note: Materials may be edited for content and length. For further information, please contact the source cited above.


Journal Reference:

  1. Claudia Nieva, Monica Marro, Naiara Santana-Codina, Satish Rao, Dmitri Petrov, Angels Sierra. The Lipid Phenotype of Breast Cancer Cells Characterized by Raman Microspectroscopy: Towards a Stratification of Malignancy. PLoS ONE, 2012; 7 (10): e46456 DOI: 10.1371/journal.pone.0046456

Note: If no author is given, the source is cited instead.

Disclaimer: This article is not intended to provide medical advice, diagnosis or treatment. Views expressed here do not necessarily reflect those of ScienceDaily or its staff.

Source: http://feeds.sciencedaily.com/~r/sciencedaily/top_news/top_health/~3/QJNGmGTJbiw/121018123312.htm

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The Benefits Of Promoting Various Products On ... - A Home Business


While you can create your eBay company to be your steady livelihood, it?s not correct to depend solely on the income you make from eBay. Nevertheless, it is possible to sell various goods on your site; this consists of goods that you also included in your auction on eBay. This can be a great way of earning income that does not rely more on eBay auctions. By choosing the products that are in demand on eBay and promoting those forms of goods on your website, you?ll be able to easily earn a bigger revenue.

It?s been estimated that eBay has more than one hundred million vendors, and they gain such a massive following by running advertising and promotion campaigns. Essentially, they?re the ones performing the marketing for you, but you also have to help your self by driving people into your auction site. This can create a considerable volume of site visitors to your website and will provide you with the opportunity to promote your own items.

In the past, numerous folks are worried about the security issues in online shopping. However, as time progress and internet security measures are put in place, a growing number of customers are using the internet as their shopping hub. If you wish to shop on the web, then you may wish to examine eBay more. Shopping on eBay for the first time is quite daunting, due to security reasons as well as other issues. In fact, there are a number of web frauds that can be seen on eBay. Typically, you can shop on eBay without any of these worries. But if you are still doubtful, you may at least explore eBay and determine for yourself if this web site is really for you.

Exploring the eBay website gives you the chance to examine its attributes and benefits. If you?re concerned about eBay?s safety, you could always visit the help center and inquire more about their system. In the eBay help center, several info can be found that is meant for first time eBay customers. You might also desire to look at the guidelines they?ve on how you can handle eBay ripoffs. Like any other internet sites, eBay provides a customer service section; if you have any question that you can?t find on the primary eBay website and you can often get in touch with their customer support department.

You may alsoneed to choose your item sourcing method. A great deal of eBayretailers select drop shipping as their primary product sourceand you can learn more about it by going to the numerous sites on the web . It is important to possess a better understandingon drop shipping before you select this approach for your company .

Samantha Pinto is an accomplished eBay online business ownerwho likes toshare her understanding about drop shipping you nowcandiscovermoreabout itbybrowsingher very ownblog sitewherein she also writes content articles about online businessin general.

Source: http://trabajoencasa.easy-home-business.com/blog/the-benefits-of-promoting-various-products-on-ebay/

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Profesional Resume Editing | Academic Writing | Editing ...

Bids?
15

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$41

Project Budget (USD)

$30-$50

Prepaid Milestone Payment

$ USD

  • Project ID:

    2572843
  • Project Type:

    Fixed

Project Description:

I need a professional resume writer to edit a resume.

Requirements:
The person must have experience in resume writing and editing.
The employee must speak and write perfect English.
You will need to provide samples of your work
You MUST NOT plagiarize. The resume will be checked against a resume database, and we will use plagiarizing software to detect any copying. If we find the slightest hint of plagiarizing you will not get paid, and you get a very negative review.

Thank you,
Alex

Skills required:

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Source: http://www.freelancer.com/projects/Proofreading-Technical-Writing/Profesional-Resume-Editing.html

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Bubba The Love Sponge Blasts Hulk Hogan Over Lawsuit (VIDEO)

Bubba The Love Sponge Blasts Hulk Hogan Over Lawsuit (VIDEO)

Radio personality Bubba the Love Sponge Clem took time to bash his former friend Hulk Hogan, a day after the former wrestler announced he had [...]

Bubba The Love Sponge Blasts Hulk Hogan Over Lawsuit (VIDEO) Stupid Celebrities Gossip Stupid Celebrities Gossip News

Source: http://stupidcelebrities.net/2012/10/bubba-the-love-sponge-blasts-hulk-hogan-over-lawsuit-video/

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বুধবার, ১৭ অক্টোবর, ২০১২

Man held in NYC plot to blow up Federal Reserve

Pedestrians pass the Federal Reserve Building Wednesday, Oct. 17, 2012, in New York. Federal authorities on Wednesday arrested a Bangladeshi man they said was plotting to blow up the Federal Reserve building in Manhattan, just blocks from the World Trade Center site. Quazi Mohammad Rezwanul Ahsan Nafis, 21, was arrested in a sting operation Wednesday morning after he parked a van filled with what he believed were explosives outside the building and tried to detonate it in a suicide mission, authorities said. (AP Photo/Frank Franklin II)

Pedestrians pass the Federal Reserve Building Wednesday, Oct. 17, 2012, in New York. Federal authorities on Wednesday arrested a Bangladeshi man they said was plotting to blow up the Federal Reserve building in Manhattan, just blocks from the World Trade Center site. Quazi Mohammad Rezwanul Ahsan Nafis, 21, was arrested in a sting operation Wednesday morning after he parked a van filled with what he believed were explosives outside the building and tried to detonate it in a suicide mission, authorities said. (AP Photo/Frank Franklin II)

A Federal Reserve police officer stands in front of the Federal Reserve Building Wednesday, Oct. 17, 2012, in New York. Federal authorities on Wednesday arrested a Bangladeshi man they said was plotting to blow up the Federal Reserve building in Manhattan, just blocks from the World Trade Center site. Quazi Mohammad Rezwanul Ahsan Nafis, 21, was arrested in a sting operation Wednesday morning after he parked a van filled with what he believed were explosives outside the building and tried to detonate it in a suicide mission, authorities said. (AP Photo/Frank Franklin II)

This courtroom sketch shows Quazi Mohammad Rezwanul Ahsan Nafis, 21, center, and his attorney Heidi Cesare, left, in Brooklyn Federal Court Wednesday, Oct. 17, 2012, in New York. Quazi Mohammad Rezwanul Ahsan Nafis, 21, was arrested in a sting operation Wednesday morning after he parked a van filled with what he believed were explosives outside the building and tried to detonate it in a suicide mission, authorities said. (AP Photo/Elizabeth Williams)

This courtroom sketch shows Judge U.S. Magistrate Judge Roanne Mann in Brooklyn Federal Court in New York on Wednesday, Oct. 17, 2012 during a hearing for Quazi Mohammad Rezwanul Ahsan Nafis. The Bangladeshi man who came to the United States to wage jihad was arrested in an elaborate FBI sting on Wednesday after attempting to blow up a fake car bomb outside the Federal Reserve building in Manhattan, authorities said. Before trying to carry out the alleged terrorism plot, Nafis went to a warehouse to help assemble a 1,000-pound bomb using inert material, according to a criminal complaint. He also asked an undercover agent to videotape him saying, "We will not stop until we attain victory or martyrdom," the complaint said. (AP Photo/Elizabeth Williams)

This Wednesday, Oct. 17, 2012 photo shows the Brooklyn Federal Court building in New York. Federal authorities on Wednesday arrested a Bangladeshi man they said was plotting to blow up the Federal Reserve building in Manhattan, just blocks from the World Trade Center site. Quazi Mohammad Rezwanul Ahsan Nafis, 21, was arrested in a sting operation Wednesday morning after he parked a van filled with what he believed were explosives outside the building and tried to detonate it in a suicide mission, authorities said. The Bangladeshi native reported having overseas connections to al-Qaida, and traveled to the U.S. in January to carry out an attack, according to a complaint filed in federal court in Brooklyn. (AP Photo/Frank Franklin II)

(AP) ? A Bangladeshi man who came to the United States to wage jihad was arrested in an elaborate FBI sting on Wednesday after attempting to blow up a fake car bomb outside the Federal Reserve building in Manhattan, authorities said.

Before trying to carry out the alleged terrorism plot, Quazi Mohammad Rezwanul Ahsan Nafis went to a warehouse to help assemble a 1,000-pound bomb using inert material, according to a criminal complaint. He also asked an undercover agent to videotape him saying, "We will not stop until we attain victory or martyrdom," the complaint said.

Agents grabbed the 21-year-old Nafis ? armed with a cellphone he believed was rigged as a detonator ? after he made several attempts to blow up the bomb inside a vehicle parked next to the Federal Reserve, the complaint said.

Authorities emphasized that the plot never posed an actual risk. However, they claimed the case demonstrated the value of using sting operations to neutralize young extremists eager to harm Americans.

"Attempting to destroy a landmark building and kill or maim untold numbers of innocent bystanders is about as serious as the imagination can conjure," said Mary Galligan, acting head of the FBI's New York office. "The defendant faces appropriately severe consequences."

Nafis appeared in federal court in Brooklyn to face charges of attempting to use a weapon of mass destruction and attempting to provide material support to al-Qaida. Wearing a brown T-shirt and black jeans, he was ordered held without bail and did not enter a plea. His defense attorney had no comment outside court.

The defendant had sought assurances from an undercover agent posing as an al-Qaida contact that the terrorist group would support the operation.

"The thing that I want to do ask you about is that, the thing I'm doing, it's under al-Qaida?" he was recorded saying during a meeting in bugged hotel room in Queens, according to the complaint.

In a September meeting in the same hotel room, Nafis "confirmed he was ready to kill himself during the course of the attack, but indicated he wanted to return to Bangladesh to see his family one last time to set his affairs in order," the complaint said.

But there was no allegation that Nafis actually received training or direction from the terrorist group.

Prosecutors say Nafis traveled to the U.S. on a student visa in January to carry out an attack. In July, he contacted a confidential informant, telling him he wanted to form a terror cell, the criminal complaint said. Nafis was living in Queens.

In further conversations, authorities said Nafis proposed several spots for his attack, including the New York Stock Exchange ? and that in a written letter taking responsibility for the Federal Reserve job he was about to carry out, he said he wanted to "destroy America." Other communications took place through Facebook, the complaint said.

A Twitter account with the suspect's name and photo had six followers and two messages and was linked to a Facebook page that had been taken down.

Police Commissioner Raymond Kelly said the case is one more reminder that New York remains a target:

"New York continues to be very much in the mind frame of terrorism. This individual came here with the express purpose of committing a terrorist attack, he was motivated by al-Qaida. We see this threat as being with us for a long time to come."

Kelly said security is always a precaution and there are about a thousand officers in the counterterrorism division. He didn't specify if any additional measures were being taken.

The bank, located at 33 Liberty St., is one of 12 branches around the country that, along with the Board of Governors in Washington, make up the Federal Reserve System that serves as the central bank of the United States. It sets interest rates.

The Federal Reserve is one of the most fortified buildings in the city, smack in the middle of a massive security effort headed by the New York Police Department where a network of thousands of private and police cameras watch for suspicious activity.

The department uses sophisticated programs that can search for suspicious activity, like an object in one place for a long time, at the building modeled after London's "ring of steel." The analytic software also is designed to take video and catalog it according to movements, shapes and colors, so officers can set parameters to search the system for, say, a suspicious van.

The Fed is also home to the world's largest accumulation of gold, according to the bank's website. Dozens of governments and central banks store a portion of their gold reserves in high-security vaults deep beneath the building. In recent years, it held 216 million troy ounces of gold, or more than a fifth of all global monetary gold reserves, making it a bigger bullion depository than Fort Knox.

The federal case was the latest where a terrorism plot against the city turned out to be a sting operation.

Four men were convicted in 2009 in a plot to bomb synagogues and shoot down military planes with missiles - a case that began after an FBI informant was assigned to infiltrate a mosque in Newburgh, about 70 miles north of New York City. The federal judge hearing the case said she was not proud of the government's role in nurturing the plot.

In 2004, a Pakistani immigrant was arrested and convicted for a scheme to blow up the subway station at Herald Square in Midtown. His lawyers argued that their client had been set up by a police informant who showed him pictures of Iraq abuse to get him involved in an attack against civilians.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/f70471f764144b2fab526d39972d37b3/Article_2012-10-17-Federal%20Reserve%20Plot/id-6bbef2e6dc964cc195411f0434645d29

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BlackBerry 10 reportedly won?t get an Instagram app [updated]

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মঙ্গলবার, ১৬ অক্টোবর, ২০১২

Uranium Energy Corp Earnings: Loss Narrows

Uranium Energy Corp (AMEX:UEC) reported its results for the fourth quarter. Uranium Energy is a natural resource exploration company engaged in the exploration of properties that may contain uranium minerals in the United States.

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Uranium Energy Corp Earnings Cheat Sheet

Results: Loss narrowed to $4.8 million (loss of 6 cents per diluted share) from $5.6 million (loss of 6 cents per share) in the same quarter a year earlier.

Revenue:?$7.5 million.

Actual vs. Wall St. Expectations: Uranium Energy Corp fell short of the mean analyst estimate of a loss of 2 cents per share.

Looking Forward: The average estimate for the first quarter of the next fiscal year is steady at 2 cents a share. Down from a loss of 8 cents per share sixty days ago, the average estimate for the fiscal year is now a loss of 23 cents.

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(Company fundamentals provided by Xignite Financials. Earnings estimates provided by Zacks)

Don?t Miss These Additional Hot Stories:

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To contact the reporter on this story: staff.writers@wallstcheatsheet.com
To contact the editor responsible for this story: editors@wallstcheatsheet.com

Source: http://wallstcheatsheet.com/stocks/uranium-energy-corp-earnings-loss-narrows.html/

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The Finance Corner: An Easy to Understand Guide to Quick Cash ...

In times of financial crisis, having access to instant money can go a very long way for those who live on a salary by salary basis. It is a good thing that nowadays, there are a myriad of lending programs such as quick cash loans that can be beneficial for those who need to obtain a substantially high amount of cash during an emergency situation. But how do they work?

Quick Cash Loans Explained

Quick cash loans are financial programs that are ideal for those who have negative or poor credit history. Borrowers may borrow up to 1,500 USD from the said loans as long as they are able to meet the requirements that are set by the lending company and have a steady paying job.

The said loans are pretty divergent to conventional loans, especially since the application procedure is a lot quicker and more hassle free. In fact, borrowers can even apply at comforts of their home and complicated paperwork is not a prerequisite.

In addition, even strict requirements such as credit checks are somewhat unimportant. This is because quick cash loans lenders are generally more concerned about the present financial situation of potential borrowers. If repaid on time, the said loans can help improve credit history by confirming their ability to settle financial responsibilities.

What to do when instant cash becomes necessary?

Interested individuals who want to avail quick cash loans simply need to present government issued identification cards and payslips when applying. The said documents are essential since the ability of borrowers to send payments will be analysed by lending companies. In addition, they also need to send their bank account details since the said companies usually withdraw a certain amount every salary period until the borrowed amount is repaid.

Borrowers should rest assured since lenders will only take the amount that is agreed on the application stage. Also, since the repayment method will be done automatically, there is very minimal involvement will be required from borrowers and they can simply sit back and use their loans to settle any financial obligation.

Conclusion

Individuals who desperately need cash should not hesitate to take?quick cash loans. While there is a misconception that the said loans come with excessively high rates, it should be remembered that many reputable companies offer high huge amounts of loans with very affordable interest rates. Putting the mentioned factor into consideration, performing extensive background researches should be prioritized so that instant cash will be attained minus the soaring interest rates and other financial deterrents.?

Source: http://thefinancecorner.blogspot.com/2012/10/an-easy-to-understand-guide-to-quick.html

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Suicide attempts by poisoning found to be less likely around major holidays

ScienceDaily (Oct. 15, 2012) ? A joint study by University of Cincinnati (UC) Department of Emergency Medicine and Cincinnati Children's Hospital Medical Center researchers has found that, in contrast to popular opinion, major holidays are associated with a lower number of suicide attempts by poisoning.

The study found that holidays like Christmas and Thanksgiving may actually be protective against suicide attempts, possibly due to the increased family or social support structures present around those times. In contrast, New Years Day had significantly higher numbers of suicide attempts by overdose.

"There are multiple studies out showing that there's a worsening suicide epidemic internationally, and numbers for suicide attempts are rising as well, says co-author and third-year emergency medicine resident Gillian Beauchamp, MD. "Researchers have observed a seasonality and daily variations in completed suicides, and because of that, it's been suggested that environmental factors and their effect on mood may play a role."

According to the Centers for Disease Control and Prevention, suicide rates among adults 25 to 64 years old have risen every year since 1999, with the fastest increase in people between 45 to 64 years old.

Beauchamp says the team conducted the study to determine if particular days of the week, months or holidays were associated with increased number of suicide attempts by poisoning. They analyzed calls recorded in the National Poison Database System made between Jan. 1, 2006, and Dec. 31, 2010, that were coded as "suspected suicide." While overdoses themselves may be accidental or intentional, the study included only patients who provided a history concerning for intentional overdose.

There were a total of 1.06 million attempts during the time period, with each year leading to a significant increase in the number of exposures. There were 198,806 attempts in 2006 and 219,849 in 2010. Beauchamp says overdoses and attempts lead to high morbidity in patients and a high cost to society.

The study compared exposures occurring on various holidays to three control dates. Researchers also included a three- to seven-day window around each study dates to capture related attempts.

They found that, with the exception of New Year's Day, holidays had relatively little effect on suicide attempts. In contrast, more periods around holidays had a lower number of recorded attempts.

Holidays found to be protective against attempts were Thanksgiving, Christmas and the Fourth of July. Other holidays measured, but found to be neutral, were Easter, Mother's Day, Father's Day and Memorial Day.

"This is possibly reflective of family or other social support systems which may be more available during holidays," says Beauchamp. "The one exception was New Year's Day, when there was a spike in attempts."

Additionally, the beginning of the week, and the beginning of spring, were associated with higher number of suicide attempts, which Beauchamp says has been similarly seen in studies on completed suicides.

Beauchamp says studying the temporal nature of suicide attempts could lead to a better understanding of when prevention techniques could be best utilized in terms of either counseling patients or staffing crisis centers.

"By showing times of the year when counseling services or drug and poison centers would see more demand," she says, "we can help hospitals who receive these patients be better prepared for spikes in suicide attempts."

As these are preliminary findings, Beauchamp cautioned that further research is needed to definitively mark the correlation between holidays and reduced attempts.

Co-authors include Mona Ho, Cincinnati Children's Hospital Medical Center, and lead author Shan Yin, MD, MPH, UC assistant professor of clinical pediatrics and medical director at Cincinnati Children's Drug and Poison Information Center. Beachamp, Ho and Yin presented their work at the North American Congress of Clinical Toxicology held Oct. 4-5 in Las Vegas.

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Disclaimer: This article is not intended to provide medical advice, diagnosis or treatment. Views expressed here do not necessarily reflect those of ScienceDaily or its staff.

Source: http://feeds.sciencedaily.com/~r/sciencedaily/most_popular/~3/UQHuXgX0SCs/121015122425.htm

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?Is anybody sane here?? said the psychiatrist to the journalists

The psychiatrist is Allen Frances. The journalists are 48 enthusiastic and committed participants at the National Institute of Health?s 2012 Medicine in the Media course (#NIHMiM12). It?s an evidence boot camp that started on Sunday night (October 14), with 12-hour-days ahead ? and many of those hours will be spent learning about statistics. But the audience?s eagerness for this immersion experience was not the reason for the question about their sanity.

Frances is a retired psychiatrist and you might know of him from his blogging or frequent media interviews. He chaired the committee that developed the DSM-4: the 4th edition of the Diagnostic and Statistical Manual of Mental Disorders. And he?s a key leader in the charge of dismay about the next edition, DSM-5, that?s due to appear later this year. It will likely vastly expand the many ways you can get a mental illness label. You can read more about that at Scientific American and an important article on conflicts of interest in PLoS Medicine.

The intriguing question about our sanity wasn?t directed particularly at the journalists, scientists and doctors in the crowd. It was a dig at what Frances called ?diagnostic inflation? in psychiatry. Even with DSM-4, this problem was already starting to gallop away from us, as more and more of the ?symptoms of daily life? were re-cast as mental disorders ? with drugs carrying common adverse effects and a high price tag as the prescription.

How big is the problem? Using DSM-4 criteria for mental disorders, almost half the people in the US are getting a diagnosis of a mental disorder in their lifetime ? and other countries aren?t far behind. Frances fears that ?the pool of normal is becoming a small puddle.?

Unless there are more changes, in the world of DSM-5, if a person can get out of childhood and adolescence without a mental illness label, it could be something of an achievement. People aren?t changing, Allen said, but the new labels and widening of scope of existing labels set the scene for ?epidemics? of illness.

The symptoms of everyday life are being misinterpreted as ? treatable ? mental disorders, even when diagnosis is fuzzy at best and the benefits of treatment don?t outweigh the harms. It?s a problem that is not restricted to psychiatry, as an article and conference announcement about over-diagnosis in the BMJ this year pointed out.

Frances called for ?Saving Normal? (the title of his forthcoming book). Some of his prescriptions are radical. For example, not just fines for drug companies that misbehave, but reduction of patents. And an ?FDA? to determine diagnoses rather than allowing specialist groups who are over-invested in their ?pet? diagnoses to hold such sway: ?If you?re an expert you love your diagnosis ? it becomes your pet. It?s human nature.?

Allen pointed to the change in power of the tobacco industry as a reason for hope that the tide could be turned on this issue. He called on the media to pay more attention to the fines being levied against companies who breach marketing rules, and less to the ?breathless claims? of press releases promoting diseases and treatments.

Frances Allen got the 2012 Medicine in the Media course started with a storm of intellect and passion ? and tweets; lots of tweets (hashtag NIHMiM12). As you?d expect from a meeting of 48 committed journalists with a shared beat, this is an articulate, well-informed and feisty crowd. One of the first questions to Frances referred to his call for skepticism about the claims of passionate experts hyping a pet issue. He was asked, as a passionate expert himself: ?Why should we believe you?? The spirited dialogue on Frances? statements about benzodiazepines that followed was a demonstration of the value and importance of good journalism.

Around 250 journalists applied for the course. The successful participants come from a range of major broadcast networks, one cable network (CNN), daily newspapers, science and women?s magazines, radio and more. More blogging from the course to come. But for this first night, the last words have to be on the consequences of over-medicalization in health care more generally, where the well are over-treated and the needy are far too often under-treated.

Frances had the death of a dear friend this weekend at the top of his mind. His friend was, against his hopes for a hospice ending, pulled into the vortex of hospital death. On this over-medicalization of dying: ?It?s an insult to the dignity of death. It?s an insult to the dignity of love.?

Interests: I am presenting at the NIH Medicine in the Media course and while I work at the NIH?s National Center for Biotechnology Information, I am not part of the organization of this event. The views expressed here are my own. Medicine in the Media is an annual event organized by the NIH?s Office of Disease Prevention.

Image: By the author at Statistically Funny

Source: http://rss.sciam.com/click.phdo?i=c802bda0cd93cb06d8622307cea00383

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সোমবার, ১৫ অক্টোবর, ২০১২

Bank of Israel Governor Fischer: World ?Awfully Close? to Recession

Bank of Israel Governor Stanley Fischer said the world is ?awfully close? to a recession, and backed the Federal Reserve?s increase in quantitative easing as strengthening its policy credibility.

While there has been ?a lot of progress made? to improve the global economy, its impact hasn?t materialized, Fischer said in an interview in Tokyo with Bloomberg Television. He signaled that by deciding not to set an end date or total amount to its third program of bond buying, the Fed is easing worries it will run out of ammunition before achieving its goals.

Fischer?s take on global growth added to concern raised at annual meetings of the International Monetary Fund, with the IMF cutting its forecasts on Oct. 9 and warning of more weakness unless the U.S. and Europe address threats to their economies. As the euro crisis drags on, fiscal tightening and muted demand in wealthy nations hurts emerging countries from China to Brazil.

Editor's Note: Economist Warns: 50% Unemployment, 100% Inflation Possible

?We?re awfully close? to a global recession, said Fischer, 69, who served as the IMF?s No. 2 official from 1994 to 2001 and was thesis adviser to Fed Chairman Ben S. Bernanke at the Massachusetts Institute of Technology. ?It?s pretty slow right now. Europe is technically in a recession, the U.S. is predicting less than 2 percent growth for the next few months.?

Weekly Slump

Stocks in Asia were little changed in morning trading after the meetings in Tokyo, with the MSCI Asia Pacific Index down 0.1 percent as of 11:15 a.m. in Tokyo. The MSCI World Index last week had its biggest weekly slide since June as the IMF highlighted angst over the global recovery by reducing its world growth forecast.

The Europeans are making headway with plans for a fiscal and banking union, and the U.S. is in ?pretty good shape? other than its fiscal position, the former Citigroup Inc. vice chairman said in the Oct. 13 interview.

?Feelings have improved a lot but it?s a little early to say we are coming out of it,? said Fischer, who has headed Israel?s central bank since 2005, accepting a second term in 2010.

Fischer declined to comment on the outlook for Israel?s interest rates. The Bank of Israel last cut its benchmark in June. He said that Prime Minister Benjamin Netanyahu?s decision to call early elections in response to a budget impasse is a ?good move? that will benefit the Middle East nation?s economy. Netanyahu opted against a ?very expansionary budget? that might have resulted from the current coalition, he said.

Fed Program

The Fed in September said it will purchase $40 billion in mortgage bonds a month and hold the main interest rate near zero until at least mid-2015. Bernanke that stimulus will be expanded until policy makers see ?sustained improvement? in the labor market and that the strategy works in part by boosting the prices of assets such as equities.

?It?s certainly had an impact so far,? Fischer said. ?Instead of saying it will be a given amount, $500 billion or whatever, saying we will keep doing this at $40 billion a month until the unemployment rate comes down to a level that we regard as satisfactory, I think that adds to the credibility of these measures.?

The U.S. jobless rate fell to 7.8 percent in September, the lowest level since President Barack Obama took office in January 2009, a government report showed Oct. 5.

Global Reception

The Fed?s policies have come under scrutiny from government officials and some business people. Indian Finance Minister Palaniappan Chidambaram told U.S. Treasury Secretary Timothy F. Geithner the easing may push commodity prices higher, while Brazilian Finance Minister Guido Mantega said in Tokyo that QE3 risks aggravating currency problems for emerging markets.

Bernanke on Sunday rebutted concern that QE3 is causing destabilizing flows to emerging-market economies. ?It is not at all clear that accommodative policies in advanced economies impose net costs on emerging market economies,? he said in prepared remarks for a seminar in Tokyo.

Gary D. Cohn, Goldman Sachs Group Inc.?s president and chief operating officer, said Oct. 11 the U.S. central bank will struggle to end its quantitative easing program.

Fischer disagreed.

?You have a bunch of central bankers in the U.S. that know how to deal with this,? he said. ?Selling securities is not uncharted territory.?

Adding Stimulus

The Fed isn?t alone in easing monetary policy, with the European Central Bank and Bank of Japan both adding to stimulus in the past three months.

The ECB cut its benchmark interest rate to a record low of 0.75 percent and pledged to buy the bonds of governments that agree to austerity conditions. The BOJ last month boosted its asset-purchase fund by 10 trillion yen ($128 billion) and abandoned a minimum yield for the bonds it purchases.

ECB President Mario Draghi has ?certainly taken a big chunk? off the risk of a euro breakup, said Fischer, who also taught Draghi at MIT. The ECB unveiled details of its bond program on Sept. 6 and said it will spend as much as needed to restore confidence to government bond markets, provided countries sign up to budget consolidation measures first.

?It?s not a complete plan yet because countries have to request assistance and accept conditions that go with it,? said Fischer, who sees a bigger probability now that European governments will accept austerity programs in exchange for ECB aid. ?It could take a while to put in place but it certainly makes a huge difference to the issue of will somebody deal with this issue of interest rates that are already too high for certain countries.?

Euro ?Mistake?

Fischer said joint euro-area debt, or euro bonds, ?will be a mistake? as there is little in the system that will force countries to keep their budgets under control. German Chancellor Angela Merkel?s government has long opposed an imminent switch to a full-scale common borrowing system using euro bonds.

?If you let everybody sell euro bonds, you don?t have market discipline on individual countries,? Fischer said. ?The markets have to judge the credit of individual countries and make those who are not doing what?s needed? pay through higher borrowing costs, he said.

Editor's Note: Economist Warns: 50% Unemployment, 100% Inflation Possible

? Copyright 2012 Bloomberg News. All rights reserved.

Source: http://www.moneynews.com/Headline/bank-israel-recession-fed/2012/10/15/id/459944

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Kenya rates set to tumble if cbank refocuses on growth

NAIROBI (Reuters) - Kenya's benchmark interest rate looks set to fall if the central bank takes advantage of slowing inflation to attack the eye-watering commercial lending rates stifling growth.

A year ago inflation was ripping through the economy and even global Twitter streams were humming with protests at policymakers' slow response.

Now, with inflation tempered, the question is whether those same policymakers are being too slow to refocus on promoting much-needed growth for fear of undermining the shilling currency they have toiled so hard to support this year.

The outcome matters because Kenya, which struck oil in March, is East Africa's leading economy and a popular destination for yield-and-growth-hungry foreign investments.

It also matters to Kenya's 40 million population ahead of a presidential and parliamentary election next March.

Memories are still fresh of the violence which followed the last election in 2007 after which more than 1,200 people were killed in widespread fighting. The health of the economy is vital to the country's stability.

Many market participants say the central bank could now cut rates boldly and scale back its efforts to prop up the shilling, which it has been doing by tightening the number of shillings in circulation.

Its continued support for the currency has driven up yields on short-term government securities recently and kept commercial lending rates at punitive levels.

The really bad news was that quarterly growth fell to its slowest since 2009 in the second quarter of this year as growth in the key agriculture and construction sectors nearly ground to a halt.

The slowdown may be attributed in part to less demand for the flowers Kenya grows from debt-crisis Europe, and to fewer European tourists.

But the main cause, analysts say, was the rapid jacking up of Kenya's benchmark lending rate to a record 18 percent last December when the central bank was scrambling to shore up the shilling, which had plunged more than a quarter to 107 per dollar last October, when inflation peaked at 20 percent.

The medicine worked though and the shilling, one of the most heavily traded in Africa with average daily volume of $350 million in the foreign exchange market, has since stabilised at 82-85 per dollar for most of this year.

Inflation also tumbled, to 5.32 percent last month, allowing policymakers to cut rates by a total of 500 basis points over two meetings since July to 13 percent today.

Some analysts say this is still too high and is stifling growth. But the central bank has shown that currency stability remains its number one goal by actively absorbing liquidity from the market, causing yields on short-term government securities to rise at auctions over the last few weeks to around 9.0 percent from 7.5 percent.

AHEAD OF THE CURVE

The central bank's fear is "the likely weakening of the currency but at some point, they have to sit down and say, 'what is it that matters?'" said Duncan Kinuthia, head of trading at Commercial Bank of Africa.

Last year's currency slump and the subsequent surge in inflation, especially of imported goods like oil, caused widespread anger and a failed attempt by lawmakers to remove central bank Governor Njuguna Ndung'u from his post, after they blamed him for the currency woes.

It also spawned a mocking Twitter campaign. The hashtag #thingsstrongerthanthekenyashilling went viral, with one tweet likening the shilling to "wet toilet paper".

"The central bank was traumatised by events of last year and hence are exercising undue caution," said Aly Khan Satchu, an independent trader and analyst.

A year ago the Kenyan central bank was blamed for dithering in its policy response because of its preoccupation with growth.

The policymakers had since righted their wrongs, Satchu said, creating ample room for them to champion growth again.

"We are ahead of the curve once more," he said, now that inflation had been wrestled down.

Consumers lost out when businesses passed on inflationary costs and they are losing out now as businesses said they pass on their high financing costs.

"The developers are passing those costs to the buyer so that makes housing unaffordable," said Daniel Ojijo, chairman of Mentor Holdings, a real estate firm.

In the Mombasa Road neighbourhood of the capital Nairobi, where investors set out to develop affordable homes for 2.7 million shillings each, they were now selling them for 5.5 million shillings apiece, Ojijo said.

EYE-WATERING RATES

Although inflation has fallen dramatically this year, commercial banks' lending rates remain stuck above 19 percent. Policymakers will have their work cut out to narrow the spread between interest rates and inflation.

"Policy choices are all about tradeoffs. So the key is striking that balance that is consistent with economic growth," said Mwangi Kimenyi, senior fellow of global economy at The Brookings Institution in Washington.

Kenya's ministry of finance says the ideal exchange rate is 80.00-85.00 per dollar, which may explain the central bank's reluctance to let it slip past those levels.

A strengthening past the 80 level per dollar leads to complaints from exporters due to erosion of earnings while a slip past the 85 level has the same effect on importers who have to dig deeper into their pockets.

A significant weakening of the shilling could however be avoided even if the central bank went for a decidedly pro-growth stance, some argue.

"Kenyan shilling stability is also helped by having healthier levels of FX reserves in place," said Razia Khan, head of research for Africa at Standard Chartered in London.

At $5.13 billion or just over 4 months worth of import cover, the bank's foreign exchange reserves are at record highs, after it built them up in the first-half of this year.

The bank could use the reserves to smoothen any volatility in the foreign exchange market, keeping the shilling stable, the argument goes.

The discovery of oil in the northern county of Turkana in March by British explorer Tullow Oil also pointed to the country receiving significant foreign direct investments into the oil and gas sector in the months and years ahead.

Those inflows should assuage any worries that a resolutely economic-growth-friendly stance by the central bank could usher in another round of exchange rate volatility, traders said.

"Policymakers have re-established their inflation fighting credentials. Now it is time to stimulate growth," Satchu said.

Source: http://news.yahoo.com/kenya-rates-set-tumble-cbank-refocuses-growth-140415194--business.html

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