Sunday, June 3, 2012

Survey: Economy slows in 9 Midwest, Plains states

[ [ [['Connery is an experienced stuntman', 2]], 'http://yhoo.it/KeQd0p', '[Slideshow: See photos taken on the way down]', ' ', '630', ' ', ' ', ], [ [['Connery is an experienced stuntman', 7]], ' http://yhoo.it/KpUoHO', '[Slideshow: Death-defying daredevils]', ' ', '630', ' ', ' ', ], [ [['know that we have confidence in', 3]], 'http://yhoo.it/LqYjAX ', '[Related: The Secret Service guide to Cartagena]', ' ', '630', ' ', ' ', ], [ [['We picked up this other dog and', 5]], 'http://yhoo.it/JUSxvi', '[Related: 8 common dog fears, how to calm them]', ' ', '630', ' ', ' ', ], [ [['accused of running a fake hepatitis B', 5]], 'http://bit.ly/JnoJYN', '[Related: Did WH share raid details with filmmakers?]', ' ', '630', ' ', ' ', ], [ [['accused of running a fake hepatitis B', 3]], 'http://bit.ly/KoKiqJ', '[Factbox: AQAP, al-Qaeda in Yemen]', ' ', '630', ' ', ' ', ], [ [['have my contacts on or glasses', 3]], 'http://abcn.ws/KTE5AZ', '[Related: Should the murder charge be dropped?]', ' ', '630', ' ', ' ', ], [ [['have made this nation great as Sarah Palin', 5]], 'http://yhoo.it/JD7nlD', '[Related: Bristol Palin reality show debuts June 19]', ' ', '630', ' ', ' ', ], [ [['have made this nation great as Sarah Palin', 1]], 'http://bit.ly/JRPFRO', '[Related: McCain adviser who vetted Palin weighs in on VP race]', ' ', '630', ' ', ' ', ], [ [['A JetBlue flight from New York to Las Vegas', 3]], 'http://yhoo.it/GV9zpj', '[Related: View photos of the JetBlue plane in Amarillo]', ' ', '630', ' ', ' ', ], [ [['the 28-year-old neighborhood watchman who shot and killed', 15]], 'http://news.yahoo.com/photos/white-house-stays-out-of-teen-s-killing-slideshow/', 'Click image to see more photos', 'http://l.yimg.com/cv/ip/ap/default/120411/martinzimmermen.jpg', '630', ' ', 'AP', ], [ [['Titanic', 7]], 'http://news.yahoo.com/titanic-anniversary/', ' ', 'http://l.yimg.com/a/p/us/news/editorial/b/4e/b4e5ad9f00b5dfeeec2226d53e173569.jpeg', '550', ' ', ' ', ], [ [['He was in shock and still strapped to his seat', 6]], 'http://news.yahoo.com/photos/navy-jet-crashes-in-virginia-slideshow/', 'Click image to see more photos', 'http://l.yimg.com/cv/ip/ap/default/120406/jet_ap.jpg', '630', ' ', 'AP', ], [ [['xxxxxxxxxxxx', 11]], 'http://news.yahoo.com/photos/russian-grannies-win-bid-to-sing-at-eurovision-1331223625-slideshow/', 'Click image to see more photos', 'http://l.yimg.com/a/p/us/news/editorial/1/56/156d92f2760dcd3e75bcd649a8b85fcf.jpeg', '500', ' ', 'AP', ] ]

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Saturday, June 2, 2012

Avoid Critical Commercial Mortgage Mistakes by Stephen Bush

By devoting extra caution and time, commercial borrowers can Christian Louboutin Guerriere 120mm Suede Shoes avoid serious commercial real estate loan mistakes. The most obvious investment benefit will be to reduce the potential for critical commercial mortgage problems, both now and throughout the life of the business finance terms arranged.While we will not be addressing all possible commercial mortgage mistakes in this article, we will include several of the most severe issues to anticipate. The problem areas described below are typically more critical than expected by most business borrowers.Inexperienced Business Finance Brokers and Lenders -Commercial mortgage financing has recently become more popular with brokers and lenders that previously focused on residential real estate financing. With the increasing chaos associated with residential financing, many lenders and brokers which primarily provided residential mortgages have been forced to look for alternate sources of revenue. Many of them are devoting increased attention to business finance and investment loan services.While this shift might eventually result in a positive outcome for commercial borrowers, the immediate impact is a sudden influx of inexperienced residential mortgage brokers and lenders attempting to provide investment advice for business financing and commercial real estate financing Christian Louboutin Eugenie Patform Suede Pumps Blue. For most business borrowers, the use of inexperienced business finance advisors will be a mistake of potentially serious proportions. As we have written about extensively, there are approximately 25 major differences between residential financing and commercial financing, and most residential financing experts are simply unprepared for business loan complexities.SBA Loan Refinancing for a Commercial Mortgage -Because it is more difficult to refinance an SBA loan or conventional commercial mortgage than many borrowers realize, it is advisable to thoroughly review refinancing options before completing the initial business financing if at all possible. The biggest potential business finance mistake involving an effort to refinance is likely to be an assumption that refinancing can be easily accomplished and whenever the commercial borrower chooses.In reality most business and commercial mortgage refinancing situations will require less attractive terms than the initial business financing. Since acquisition financing includes terms not possible upon refinancing, this observation is particularly relevant for SBA loan refinancing

. Another potentially critical mistake is to overlook short-term business financing options which will eliminate refinancing problems

.A major obstacle to refinancing a commercial mortgage, whether it involves an SBA loan or not, will be prepayment penalties and other financial restrictions that effectively prevent refinancing for several years. Short term possibilities should be considered if a borrower expects that commercial loan refinancing in the first three years of the business financing is likely.Specialized Commercial Real Estate Investment Property Issues -With more specialized commercial properties and investments, the potential for serious mistakes increases substantially because of the advanced business financing complexities. Commercial mortgage loan choices are also likely to be more limited because there are fewer lenders which will provide this kind of specialized commercial real estate financing.From a lending perspective, office buildings, apartments and retail stores are less specialized. This is due to the likelihood that potential users and renters of such properties are more interchangeable than for a business investment involving specialized uses such as a funeral home, golf course and gas station.The business finance costs for more specialized properties are likely to be more variable and unpredictable than for office buildings, retail stores and apartments. For example, environmental and appraisal requirements for properties such as funeral homes and gas stations will be extensive and time consuming Christian Louboutin.Solutions and Strategies for Avoiding Business Financing Mistakes -The potential business finance mistakes described above can be overcome successfully. Commercial borrowers should look for resources which will provide relevant strategies and solutions for a business owner contemplating business purchase or refinancing as well as facilitate a better understanding of complex commercial real estate financing issues Christian Louboutin Fifi 85mm patent pump. Business borrowers should thoroughly discuss business financing options with a business loan expert before refinancing or buying a commercial property or business investment..
Article Source:http://www.cheaplouboutinwebsite.com/

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Record-setting NM fire expected to burn for weeks

RESERVE, N.M. (AP) ? A smoky haze hangs over the rugged canyons and tree-covered expanses of southwestern New Mexico as the largest wildfire in the state's recorded history marches across more of the Gila Wilderness.

The virtually unchecked wildfire is fueling experts' predictions that this is a preview of things to come as states across the West contend with a dangerous recipe of wind, low humidity and tinder-dry fuels.

The Whitewater-Baldy blaze has charred more than 190,000 acres, or nearly 300 square miles, in Gila National Forest and has become the largest wildfire burning in the country.

Gov. Susana Martinez viewed the fire from a New Mexico National Guard helicopter Thursday and saw the thick smoke shrouding some of the steep canyons that are inaccessible to firefighters. She described the terrain as "impossible," saying there was no way for firefighters to directly attack the flames in the rugged areas of wilderness.

"It's going to keep going up," she said of the acreage burned. "Be prepared for that."

Along the fire's northern edge, Martinez spotted crews doing burnout operations designed to slow the erratic blaze, which has surpassed last year's Las Conchas fire as the state's largest ever. That fire charred 156,593 acres and threatened the Los Alamos National Laboratory, the nation's premier nuclear facility.

From the air, Martinez could see the blanket of smoke stretching for miles. She used words like daunting and enormous, fitting since fire managers said the blaze could smolder until the region gets significant rainfall during the summer monsoon season.

More than 1,200 firefighters are at the massive blaze near the Arizona border. It has destroyed a dozen cabins and eight outbuildings, fire information officer Iris Estes said.

Experts say persistent drought, climate change and shifts in land use and firefighting strategies mean other western states likely will see similar giant fires this season.

"We've been in a long drought cycle for the last 20 years, and conditions now are great for these type of fires," said Steve Pyne, author of "Tending Fire: Coping with America's Wildland Fires" and a life science professor at Arizona State University. "Everything is in line."

Agencies in New Mexico, Colorado and Arizona are bracing for the worst. Many counties have established emergency telephone and email notification systems to warn of wildfires, and most states have enlisted crews from other jurisdictions to be ready when the big ones come.

"It's highly likely that these fires are going to get so big that states are going to need outside resources to fight them," said Jeremy Sullens, a wildland fire analyst at the National Interagency Fire Center.

According to the National Weather Service, a dry climate is expected to prolong drought conditions across the Great Basin and central Rockies during the fire season. Large portions of Nevada, Arizona, Utah, Colorado and New Mexico will remain under severe drought conditions.

"We're transitioning from La Nina to El Nino, so we have no guidance to what's going to happen, like if we will get more rain or less rain," said Ed Polasko, a weather service meteorologist.

A lack of moisture means fewer fuels to burn in some areas, but unburned vegetation elsewhere could pose a problem since many states received no sustained snow or rain this winter and spring.

That's what happened in New Mexico's Gila Wilderness, where a lack of snow failed to push down grass, which worsened the fire danger, Sullens said.

Typically, fires in the area don't cross the middle fork of the Gila River, said Danny Montoya, an operations section chief with the Southwest Incident Management Team.

"This year, it did get across," Montoya said. "We're getting humidity levels during the day about 2 to 3 percent. Normally, during summer you'd see 5 to 12 percent."

Officials closed the Gila Cliff Dwellings National Monument on Thursday due to smoke generated from the fire. The National Park Service said the closure would remain in effect until conditions improve.

The blaze is 5 percent contained, but fire managers expect that to jump as crews bolstered lines on the northern end. Scars from previous burns were also helping to slow the flames on the southeastern flank.

"We're continuing with burnout operations and we've been helped with a slight rise in humidity and decreased winds," Estes said.

Another reason states in the West will see more massive fires this season is because, coupled with drought and dry climate, crews have experienced changes in firefighting strategies and agencies have changed some policies in fighting wildfires in isolated areas, Pyne said.

"In the last 20 years or so, agencies have generally been reluctant to put firefighters at risk in remote areas," Pyne said. "It wasn't like that decades ago."

Instead, he said agencies have focused attention on burnout operations until conditions are safe to begin containment.

Not that those practices and the large fires are bad things, Pyne said. For example, he said the Gila Wilderness has been a target for controlled burns.

"So maybe," Pyne said, "this is how it's supposed to happen."

___

Contreras reported from Albuquerque. Contact Susan Montoya at http://www.twitter.com/susanmbryanNM and Russell Contreras at http://twitter.com/russcontreras .

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Adrienne Graham of EmpowerME - Small Business Trends

Ever been invited to lunch, dinner or a cup of coffee by a friend, family member or an associate, only to find that it was an invitation for a free consultation session cloaked as a social engagement? If this has ever happened to you, listen up as Adrienne Graham of EmpowerME joins Brent Leary to give you the strength to say, ?No, you can?t pick my brain, it costs too much!?

* * * * *

Adrienne Graham: CEO and Founder of EmpowerME

Small Business Trends: Can you give us a little bit of information on who Adrienne Graham is?

Adrienne Graham: I?m a former or retired recruiter. I guess you can call it that. Empower Me started out as a network for women of color. ?It has morphed over the years into this consultancy to help people grow their businesses and their careers. The final piece of that is my baby that I have developing in the Empower Me Institute, which focuses on entrepreneurial education.

Small Business Trends: You wrote a book called ?No, You Can?t Pick My Brain. It Costs Too Much.? Can you tell us how this came about?

Adrienne Graham: One Saturday morning I woke up and a friend of mine posted something on Facebook that said, ?You know, I am tired of people picking my brain and asking me, ?Oh, can I have a few minutes of your time? ?Can you help me with this problem?? and it turns into this long drawn out consultancy.?

So I said, ?You know what I am tired of? ?My friends and family ? I love you all ? but I am tired of you and it just gets to a point where they want you to give your livelihood to them for free.?

Small Business Trends: Draw the line clearly. ?How important is that?

Adrienne Graham: That is very important because a lot of people cannot distinguish between a free assessment and a consultation. I tell some of my clients that, just by switching up those two words, instead of using free consult, use assessment. ?Because really what it is, it is you gauging what their needs are. ?How you guys can work together and if it is a good fit. You?re not there to give them everything. ?So you have to learn to drawn that line so that they are not reaching over the boundaries and getting more. ?Because if you give them more, they won?t have to pay you for your services.

Small Business Trends: You speak of ?socializing is not consulting and vice versa.? ?How thin is that line? ?How important is it to stay on the right side of those lines?

Adrienne Graham: I have had to learn to distinguish. ?If someone calls me and says, ?Hey let?s do coffee. ?Or, ?Let?s do lunch?, that is what we are doing. ?We are doing that not to talk about business. If you want to talk about business call my assistant and set up some time or an appointment with me. A lot of people want to be courteous. ? I am courteous. ?I don?t want anybody to think I am mean. ?But it?s just that when you want to sit down socially with me lets do that. I got ambushed by a group of recruiters who had invited me out to trivia night. ?As soon as I sat down, they pulled out notebooks.

Small Business Trends: So it was a learning session for them?

Adrienne Graham: Yes, it was an ambush. ?It was, ?Tell me what you think about diverse recruiting.? ?Or, ?Where is the best place where I can find??? ?I am sitting there like. . . huh?

Yes, I am trying to be nice at first. ?But people do not like to be ambushed. Be very clear. ?If you want an information session say, ?I want an information session.? On the other side of it, you have to be very clear. ??What do you need from me, because if this is something that we can hash out in five minutes, I don?t need to go out to have coffee with you.? ?So you have to be able to learn how to draw the line between socializing and business.

Small Business Trends: ?How important is it for people to understand what they are actually worth? ?And be able to say, ?I am worth it, give it to me??

Adrienne Graham: That is the biggest thing that I get. ?I get that from women and I get if from a lot of minorities. ?I get it from them because they feel I am not like the big dogs, I don?t have as much knowledge. Or I have only been in the game for three years.

It doesn?t matter if you have been in the game for three years or 30 years ? your knowledge is valuable. A lot of people feel that because the Internet is so readily accessible that people will say, ?Oh well, l can get that for free.? Yeah you can. ?But execution of that information is not free. ?Once you start thinking about it that way, you feel the power shift and you can leverage that. ?Because yeah, they may think they may find the technical details, but someone still needs to make it happen. ?That?s you. ?And you have to place a premium on that.

Small Business Trends: How challenging is it for people to stand their ground? ?Because there is a fear factor. ?If I do stand my ground they may walk away. ?How do we get over that?

Adrienne Graham: Yeah, you get over that by continuing to market yourself to the right people. ?Because the right clients will understand that.

It was hard for me because my initial thought was, ?I do not want to hurt someone else?s feelings or mess up my chances for repeat business.? ?But I had to learn that if they really value me, they would be ok with me speaking the truth.

Small Business Trends: Where can people learn more and find out more information about the things you are up to on line?

Adrienne Graham: They can go to EmpowerMe.org or follow me at @TalentDiva on Twitter.

This interview is part of our One on One series of conversations with some of the most thought-provoking entrepreneurs, authors and experts in business today. This interview has been edited for publication. To hear audio of the full interview, click the right arrow on the gray player below. You can also see more interviews in our interview series.

Whether you?re growing your business or starting a new venture, BlackBerry solutions provide you with the freedom you want and the control you need. [Series sponsor]

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About the Author

Brent Leary Brent Leary is a Partner at CRM Essentials and organizer of the upcoming Social Business Atlanta conference taking place on February 3rd, 2012. Brent serves on the advisory board of The University of Toronto CRM Center of Excellence, writes the Social CRM column for Inc.com's technology site, and blogs at BrentLeary.com.

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Friday, June 1, 2012

Glennon Melton: Putting My Kids To Bed: A Game Of Whack-A-Mole

I let Craig handle last night's round of "Whack-a- Mole" (bedtime) and settled into the couch at 7:45. It's like my victory lap -- that couch settling.

Day is done, gone the son, gone the girls and the the fights and the whiiiiines. All is calm -- Bravo ooooon -- sleep is nigh....

One of the myriad problems with this parenting gig is that they save the hardest part for last. BEDTIME. Bedtime should be in the morning -- when we're fresh and kind and sweet -- and decent parenting still seems like a very real possibility. But no, the hardest parts -- dinner and baths and bedtime -- arrive at the end of the day, when we have nothing left. When the truth is, we are counting the minutes. Counting the moments until no one is the boss of us anymore. Until we can sink into that couch, book, Internet, or glass of wine -- whatever our victory lap includes.

It doesn't help that in our mommy minds, we have this idea that bedtime is supposed to be the most peaceful, loving time of day. That we are supposed to send our lovies off to dream land with songs, stories, soft, sweet voices and strokes of their cherubic heads. Sometimes bedtime happens this way for us. Not often.

Each of our kids gets a story at bedtime. They never pick a good one, they pick the longest one.

And the little one wants to "help read" her book. So, let's see. It takes her about six minutes to sound out each word, and so if the book is one hundred words, well, I don't specialize in math but I am telling you that I am stuck in that room FOREVER. It feels like I will be reading that book with Amma until I die. And I know I'm supposed to be supporting her reading. I mean it's good -- this is good stuff, this wanting to read. I was a reading teacher, I know this is GOOD stuff about which I am supposed to be excited. But for me, exhaustion trumps excitement every single time. And I can't help but notice that the ONLY TIME SHE CARES THIS MUCH ABOUT READING IT HERSELF IS AT BEDTIME. When she can hold me hostage and stay up six minutes later with every sounded-out-word. And so while I'm supposed to be thinking sweet thoughts, all I can think is: OH MY GOD. I AM GOING TO DIE. JUST JUMP RIGHT OUT OF MY SKIN. YOU SUCK AT READING. YOU SUCK YOU SUCK YOU SUCK. PLEASE GOD. PLEASE MAKE THIS BOOK..just..just ...DISAPPEAR so I can take my victory lap. I DESERVE MY VICTORY LAP!

But No. Nope. No help from above. So it goes on. And on. "S....o.......soooooooooo t-h- e....tuuuuu---huuuuuu---eeeeeeeeee?" says Amma. I am held hostage for 45 minutes. When she is finally done. I decide that after that debacle there is NO WAY that the universe also expects me to sing the "song" that is also part of her "bedtime routine." I say goodnight and pray she'll forget.

But they never forget. They pretend to forget ONLY so that they have another excuse to pop out of their rooms and remind you of what you forgot.

So three minutes later, when I think I'm in the clear, here comes my littlest mole. "You forgot my song," she says. And I stare at her for a long second and admit to myself two things.

1. She is unbelievably cute and precious and one day I will miss these visits, especially when she starts sneaking out of her room to party with her friends instead of to find me to sing to her.

2. Doesn't matter. I'm going to lose it.

And so I sing her song. But I sing it like an insane person. Eyes wide, teeth clenched, just a little too loud. No sweetness. Like a robot. "You. Are. My. Sun. SHINE. My. Only. Sun. SHINE." I sing it like there are implied curse words between every lyric.

She gets it. She finally goes to sleep. They know when mommy's done. It's not pretty, but it's effective. And often that's the best I can do.

So last night as I waited for Craig to whack the last mole -- I half listened to the bedroom doors re-open and the typical mole-y excuses -- "I can't sleep because my elbow hurts!" "I need ICE COLD water, not reg-a-lar water" "My closet doors are open." "There's an elephant shadow on my window." Whack- Whack-Whack- Whack. Nothing new. The moles are not too creative tonight, I thought. But then, I hear a door open and one appears to say to poor Craig- mallet in hand -- sitting against the wall in the hallway -- "I can't sleep because my finger smells because I keep scratching my bottom."

Hmm. Not bad, I thought, and I giggled, because it's funny when it's not your turn. Craig says, "Okay. Go wash your hand." I hear the water run, hallway waddling, child returns to her room. Two minutes later, door re-opens, child-mole re-appears. "My finger still...." "GO WASH YOUR HAND AGAIN," Craig says with that very even, controlled tone that indicates the Whack -a-Mole machine is about to BUST. Water starts, child- mole slowly creeps back to her room. A minute later, door re-opens. Mole child says, "My finger still..." THEN STOP SCRATCHING YOUR BUTT. AND STOP SMELLING YOUR FINGER! OR PUT IT UNDER YOUR PILLOW. HOLD YOUR BREATH. WHATEVER IT TAKES. JUST GO. TO. SLEEP!

Mole child gets it. She is out of quarters. Daddy's broke. Machine is done for the day.

No more doors open.

Craig comes downstairs.

He joins me with tea and "Mad Men" for our victory lap. He's asleep within 10 minutes.

?

Follow Glennon Melton on Twitter: www.twitter.com/Momastery

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TiVo shows a Q1 net loss of $20.8 million, will launch TV Everywhere web portal soon

TiVo shows a Q1 net loss of $20.8 million, will launch TV Everywhere web portal soon

TiVo has released its financial results for Q1 2013, and right off the bat they show a wider than expected net loss of $20.8 million. This is despite a rise in revenue and subscribers (driven mostly by Virgin Media, which added 242,000), and the company expects another loss in the second quarter due to rising litigation costs in its ongoing cases against Motorola and Time Warner Cable. We've already heard about TiVo's new Stream placeshifting box, IP multiroom extender and six-tuner XG1 gateway, but the new product news is a plan to launch TV Everywhere streaming. The first cable operator joining in the new venture will be RCN, and TiVo says its portal will allow providers using its DVRs to deliver streaming video in or out of the home, with video on-demand and remote DVR scheduling on PCs, tablets and mobile devices. That's expected to launch later this year, but for all the details, numbers and quotes you can check the press releases after the break.

Continue reading TiVo shows a Q1 net loss of $20.8 million, will launch TV Everywhere web portal soon

TiVo shows a Q1 net loss of $20.8 million, will launch TV Everywhere web portal soon originally appeared on Engadget on Wed, 30 May 2012 20:04:00 EDT. Please see our terms for use of feeds.

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Cricket now offers the iPhone with $55 'unlimited' everything plan

Cricket now offers the iPhone with $55 'unlimited' everything plan

Cricket Wireless, the prepaid subsidiary of Leap, has just announced the availability of the iPhone 4 and 4S on its network. When they go on sale June 22nd, a 16GB 4S will set you back $500, while an 8GB 4 clocks in at a slightly more affordable $400. Both are available with Cricket's $55 "unlimited" everything plan, which includes all you can eat talk, text, and data -- provided your idea of "unlimited" data falls within its fair usage policies (in this case, 2.3GB of data). Cricket is hardly alone among America's smaller carriers in offering the iPhone, C-Spire as well as a number of regional carriers all stock Apple's wares. What makes this offering unique, is that Cricket is the first completely prepaid carrier to sell the handset. So, if you want an iPhone, but don't want the contract or the post-paid, usage-based fees? Well then, Cricket might just be your new best friend. Check out the PR after the break and hit up the source for more info.

Continue reading Cricket now offers the iPhone with $55 'unlimited' everything plan

Cricket now offers the iPhone with $55 'unlimited' everything plan originally appeared on Engadget on Thu, 31 May 2012 08:34:00 EDT. Please see our terms for use of feeds.

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