Saturday, October 20, 2012

Making A Retirement Token Your Workmate? - Bankruptcy Finance ...

Thinking of a retirement token your workmate?

Is your favourite workmate retiring soon? If your fave workmate is retiring, you must think about some retiree gifts to give to them. It's unimportant if you can only afford some not too expsensive retirement token what matters is that you show them that you care and you will miss them a lot when they are gone. To assist in finding the right token to give to your friend, these are some retirement gift suggestions for you.

Gift Basket

Retirement hampers may be one of the easiest kinds of present to prepare certainly if you?re on a restricted budget. If you do not spend a large amount of money on your gift hamper, you can always choose one of those small baskets and fill up. You can put virtually anything around the gift hamper. Just make sure you arrange all of the gifts nicely inside the basket so they're going to be good to take a look at.

From an alternative perspective, if you'd like to make the basket more notable, you may ask the other employees to contribute some charms or trinkets you can put within the gift hamper. Ask all those folks that desire to make a contribution to the basket?s content to write their names on the charm or gewgaw that they are going to contribute so that your workmate will have an idea as who gave them these things. After collecting all of the many charms and trinkets from your co-employees, organize all these things within the basket and then wrap the basket in some nice transparent token wrapper. Put some ribbons on the retirement present to cause it to appear enticing. When presenting the gift basket to your friend, make to mention all the folks that have made its preparation achievable.

Have you even begun to consider YOUR pension plans?

But has your officemate?s retirement made you ask some tough questions, regarding your own future and security?

Have you in fact even started a pension plan?

If you have any pensions in the uk, you have got to start planing and researching pertaining to your own future.

Mark Pinckney is a Director of Access2advice .co.uk, a promoting company helping IFAs connect to new clients, who believes that you could have your pension plan outlined and ready at the earliest opportunity.

Its your future its?my pension plan? begin yours today.

Source: http://blog-finance-bankruptcy.mysurechoice.com/3548/making-a-retirement-token-your-workmate/

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Over half of crisis-hit Italians recycle food leftovers: report

MILAN, Italy (Reuters) - Italy's passion for eating is world famous but more than half of Italians are now recycling food leftovers to prepare new meals as they try to save money and weather a year-long recession, a survey showed on Friday.

The survey, by food-producing association Coldiretti, said 59 percent of Italians were re-using pasta, bread and vegetables to try to make ends meet, a trend that underlines how austerity measures and unemployment are hitting people's wallets.

Italy wasted 10 million tonnes of food each year worth around 11 billion euros ($14.40 billion), the survey said.

But the research, conducted with statistical group SWG and called "Italians' behavior at a time of crisis", suggested Italians could make a virtue of necessity.

"Anti-waste recipes are numerous in Italy," Sergio Marini, the chairman of Coldiretti, said at the presentation of the report.

"You only need a little creativity and you can cook tasty meatballs with leftover ground beef, eggs, bread and cheese," Marini said.

Although Italy is a country of rich culinary traditions most of them are based on poor ingredients as they date back to the end of World War Two, when food was scarce.

The Tuscan "ribollita", the Venetian "pinza" or the Neapolitan "frittata of pasta" sound like gourmet meals but all are based on recycled ingredients such as pasta and vegetables.

Consumer spending is headed for its biggest post-World War Two decline this year and data from ISTAT shows consumer morale has only recovered slightly from a historic low hit in June, retail lobby Confcommercio said last month.

Coldiretti said one in four Italian families was in a difficult economic position, 3 percent more than last year.

A planned one-percentage-point hike in value added tax, due to come into effect in July next year, could cost families a further 500 million euros in higher prices, Coldiretti said.

($1 = 0.7638 euros)

(Reporting by Antonella Ciancio; Editing by Andrew Osborn)

Source: http://news.yahoo.com/over-half-crisis-hit-italians-recycle-food-leftovers-073448788.html

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Scout abuse files release sparks public interest

In a Tuesday, Oct., 16, 2012 photo, Portland attorney Kelly Clark examines some of the 14,500 pages of previously confidential documents created by the Boy Scouts of America concerning child sexual abuse within the organization, in preparation for releasing the documents Thursday, Oct. 18, as he stands in his office in Portland, Ore. The Boy Scouts of America fought to keep those files confidential. (AP Photo/Greg Wahl-Stephens)

In a Tuesday, Oct., 16, 2012 photo, Portland attorney Kelly Clark examines some of the 14,500 pages of previously confidential documents created by the Boy Scouts of America concerning child sexual abuse within the organization, in preparation for releasing the documents Thursday, Oct. 18, as he stands in his office in Portland, Ore. The Boy Scouts of America fought to keep those files confidential. (AP Photo/Greg Wahl-Stephens)

In a Tuesday, Oct., 16, 2012 photo, Portland attorney Kelly Clark examines some of the 14,500 pages of previously confidential documents created by the Boy Scouts of America concerning child sexual abuse within the organization, in preparation for releasing the documents Thursday, Oct. 18, as he stands in his office in Portland, Ore. The Boy Scouts of America fought to keep those files confidential. (AP Photo/Greg Wahl-Stephens)

(AP) ? The online release of files showing the Boy Scouts of America's cover-up of decades of sexual abuse has created interest among Americans who want to know who the alleged abusers are and whether people who molested them as Scouts are in the files.

The 14,500 pages of Scout files, from 1959-1985, were posted Thursday on the website of Kelly Clark, the Portland attorney who used the files as evidence in a 2010 lawsuit he won against the Scouts.

The website got more than 200,000 hits within the first few hours of the files' posting, crashing the site.

Release of the files has also prompted a debate on the Boy Scouts' Facebook page. Some people said they'd never allow their children to be involved in the organization and criticized the secrecy of the files. Others described positive experiences in the Scouts for themselves or their children, saying the organization's efforts to prevent abuse have improved significantly.

Clark said his firm has received about four dozen emails from people about the documents. About half came from people who say they were abused when they were in the Scouts and were interested in filing lawsuits.

Some of the emails have given details about alleged abuse, Clark said.

There are also emails from people who tell of other alleged perpetrators who are not in the files.

"We had many people say thank you for posting the documents," Clark said.

At least six people have contacted reporters for The Associated Press with questions about reporting sex abuse when they were in the Scouts. None agreed to speak to the AP on the record.

The Scouts have said they plan to review every file from 1965 to the present and, in cases where it's unclear whether the incident was reported to police, the Scouts said they'll contact authorities.

Deron Smith, spokesman for the Scouts, said Thursday the organization is currently looking through those files to find cases of "good-faith suspicions" so they can be reported to police. The Scout files are filled with unsubstantiated allegations.

In their own review of the files that were released on Thursday, the Scouts found that law enforcement had been involved in about two-thirds of the cases. The organization is going through the remainder to find cases where there seem to be good reasons to alert law authorities.

The Scouts have apologized for not following up. The files were created for the purpose of registering Scout leaders, Smith said, and were considered internal, confidential documents, which is why they weren't always shared with authorities.

Attorney Paul Mones, Clark's colleague, said uploading the files "democratized" information that was only available to lawyers and the Scouts.

"It's a testament to the new generation of communication," Mones said.

The files have been maintained by the Scouts since soon after their founding in 1910. They consist of memos from local and national Scout executives, handwritten letters from victims and their parents and newspaper clippings about legal cases.

The files contain details about proven molesters, but also unsubstantiated allegations. People paging through the files would find both. Clark says there are undoubtedly some people in the files who were wrongly accused, and the Scouts point out that many cases of abuse were dealt with properly.

For those who say they were molested, statutes of limitations in most states would prevent many people from filing lawsuits or criminal charges, Clark said. But in some cases ? like a first-degree sexual assault in New York ? the state has set no time limit.

Legal experts say that aside from the statute of limitations, it could be difficult to bring charges against suspected molesters in the files because victims need to be found, and they need to be persuaded to give evidence.

"Trying to prosecute a case that old, you need to have a willing victim," said Josh Marquis, district attorney for Clatsop County in Oregon.

Victims of abuse years ago may be unwilling to come forward because it would create upheaval in their lives, Marquis said.

With the files now available, law enforcement and the public can do their own checking, something David Clohessy, director of the Survivors Network of those Abused by Priests, said should have been available to those groups all along.

"The Scouts have got to expose, list and severely punish every former employee or volunteer who ignored or concealed child sex crimes," Clohessy said. "Nothing will have a quicker and more long-lasting impact of changing the culture of recklessness and secrecy."

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/3d281c11a96b4ad082fe88aa0db04305/Article_2012-10-19-Scout%20Files-Reaction/id-2641fadb10c740e9a24381edf42ac8b9

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Benefits Of Concrete Driveways | Tongshu Articles

Benefits Of Concrete Driveways

Author (melinamenny). Submitted on Thu, 18 Oct 2012

In the past, dirt or gravel Driveways in Rutherford, TN were the norm. As time has passed, concrete driveways have become more and more common, even to the point of being considered a necessity by many. Modern home designs consider the driveway as part of the home design, and include it on the blueprints. While it could be argued that cement Driveways in Rutherford, TN are not imperative, there are numerous advantages that argue in favor of having one. Concrete offers functionality as well as versatility in design, making it a premium material for your driveway.

Many bridges, roadways, and parking lots are constructed of concrete. There are various reasons why this is the case. Concrete is strong and has long-term integrity. It is among the most functional of building materials available for such purposes. Vehicles weigh-in in terms of tons, necessitating a surface that has high load-bearing capacity. Concrete perfectly fits this bill. It?s immense density combined with its superior strength create a nearly perfect material for bearing the load, wear, and tear that comes from vehicles, even those that are simply pulling into a garage.

Concrete Driveways in Rutherford, TN are as aesthetically pleasing as they are functional. Homeowners need not be constrained to various shades of gray when selecting a finish for their concrete driveway. Nowadays concrete stains enable homeowners to select from a wide variety of earth tones for the shade of their concrete. Concrete can also be textured in a variety of fashions, widening the aesthetic possibilities even further. As a result of these options, your driveway can truly be an extension of your home?s design.

The maintenance required to properly care for a concrete driveway is quite simple and of low impact. Stains and marks can generally be removed with warm water, mild soap, and a brush. When a stain proves too stubborn for soap and water, dry granular cleaners designed specifically for use on concrete can be purchased at home improvement stores. Even if you have stained, stamped, or polished concrete on your driveway, topical sealant only needs to be applied annually to protect the finish. The sealant application process only takes a matter of hours.

For even more visual interest from your concrete driveway, consider using concrete pavers. Many people enjoy the look of brick or stone pavers, but these prove to be financially prohibitive for many. Concrete pavers are much more affordable and just as attractive. Concrete pavers come in a myriad of sizes, colors, and shapes. Design possibilities can range from simple and straightforward to highly artistic.

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About the Author

Concrete Driveways in Rutherford, TN are beneficial in many ways. They are strong, highly functional, and easy to clean and care for. With all the stain and texture options available, concrete Driveways in Rutherford, TN can add significantly to your curb appeal and therefore the value of your home.


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  • Source: http://www.tongshu.net/home-family/benefits-of-concrete-driveways.html

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    Friday, October 19, 2012

    A-Rod, Yankees fail to hit in postseason

    By LARRY LAGE

    AP Sports Writer

    Associated Press Sports

    updated 10:12 p.m. ET Oct. 18, 2012

    DETROIT (AP) - Alex Rodriguez failed to hit for the New York Yankees in the AL championship series.

    He wasn't alone.

    None of his teammates produced at the plate, and now New York's season is over.

    The slugging Yankees, who set a team record for homers and finished second in baseball in runs scored, were swept by the Detroit Tigers in the AL championship series, losing 8-1 in Game 4 on Thursday.

    "You never expect this," Rodriguez said. "It's a terrible way for the season to end."

    A-Rod got all the attention, being benched three times in this postseason, but New York did not get it done up and down the lineup - Raul Ibanez being an exception - during a series in which it failed to lead once.

    "The one thing I don't want to focus on is Alex, in a sense, because it wasn't just him that didn't hit," Yankees manager Joe Girardi said. "You know, if the other guys hit, one guy's struggles aren't going to show as much."

    Rodriguez batted .120 (3 for 25) with no RBIs in the postseason, including 0 for 18 with 12 strikeouts against right-handers and 1 for 9 against the Tigers.

    He has $114 million and five years remaining on his contract - and a no-trade clause - and said he expects to be back with the Yankees next season.

    "I love New York City and I love everything about being a Yankee," he said. "The highs are very high and the lows are extremely low. And there's no question the last few weeks was extremely difficult, not only on me but all my teammates."

    Asked whether he would accept a platoon role or prefer to go to another team, the three-time AL MVP responded: "I've never thought about going to another team. My focus is to stay here. Let's make that very, very clear. Number two, I don't expect to be mediocre. I expect to do what I've done for a long time."

    Several of Rodriguez's teammates were worse with a bat in their hands in the postseason.

    Robinson Cano was at .075 (3 for 40) with no home runs, Curtis Granderson .100 (3 for 30) with 16 strikeouts, Nick Swisher .167 (5 for 30) with two RBIs and Russell Martin .161 (5 for 31) with one RBI. Eric Chavez was 0 for 16 with eight strikeouts.

    Girardi seemed most puzzled by Cano's struggles, which included getting only one hit in 18 at-bats against the Tigers and enduring a postseason-record 0-for-29 skid that began against Baltimore in the division series.

    "That one is kind of baffling for me because we have seen the type of hitter that Robby Cano is," Girardi said.

    The only records the Yankees set this October were for futility.

    They batted .188 (60 for 320), a low for seven games in the postseason, according to STATS LLC., and scored just 22 runs - six against Detroit.

    And, New York joined the 1984 Kansas City Royals as the only teams to play a league championship series without leading a game. Coincidently, the Tigers dominated Kansas City en route to their last World Series title.

    After Ibanez hit a tying two-run homer during a four-run ninth inning of the opener, it was all downhill for the Yankees. In the 12th inning, they lost shortstop Derek Jeter to a broken ankle that will keep him out until spring training. They looked lost after that.

    As if New York's problems at the plate weren't enough, ace CC Sabathia had an awful performance when his team needed him most, and the Yankees played poorly defensively - especially four-time Gold Glove first baseman Mark Teixeira - in their last game of the year.

    Sabathia lasted just 3 2-3 innings because the Tigers were teeing off on him with 11 hits, six runs - five earned - and striking out just three times.

    "It's embarrassing to me to come out and not be able to give our team a chance to win," he said. "I pride myself on trying to give us a chance and I didn't do that tonight."

    ? 2012 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.


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    Sweep!

    The Detroit Tigers finished off the N.Y. Yankees in bold fashion in Thursday's ALCS Game 4, chasing CC Sabathia in the 4th inning before rolling to an 8-1 win and their first World Series berth since 2006.

    Source: http://nbcsports.msnbc.com/id/49471480/ns/sports-baseball/

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    Realogy Launches Official Facebook Page - Franchising.com

    October 18, 2012 // Franchising.com // PARSIPPANY, N.J. - Realogy Holdings Corp. (NYSE: RLGY), a global provider of real estate services, announced today that on the heels of Realogy going public and ringing the Opening Bell at the New York Stock Exchange, the Company launched its official Facebook page at Facebook.com/Realogy.

    Realogy's Facebook Tabs include access to Job Search, Careers Insights at Realogy, News, and Our Brands and Businesses. The Our Brands and Businesses tab links to the Facebook pages of Better Homes and Gardens? Real Estate, CENTURY 21?, Coldwell Banker?, Coldwell Banker Commercial?, The Corcoran Group?, ERA?, Sotheby's International Realty?, NRT LLC, Cartus and Title Resource Group.

    "With more than 1 billion active users monthly and 600 million mobile users, Facebook is a far-reaching channel that gives outsiders a firsthand look into our company and its culture," said Dave Weaving, chief administrative officer, Realogy. "Visitors can peruse our Facebook photo albums that are focused on Ethics, Wellness, Charity, Networking, Recognition, Diversity, and Fun, among others, and gain insights about our corporate culture and the way we do business."

    By "liking" Realogy's Facebook page, visitors will receive updates in their personal Facebook newsfeeds.

    About Realogy Holdings Corp.

    Realogy Holdings Corp. (NYSE: RLGY) is a global provider of real estate services with a diversified business model that includes real estate franchising, brokerage, relocation and title services. Realogy's brands and business units include Better Homes and Gardens? Real Estate, CENTURY 21?, Coldwell Banker?, Coldwell Banker Commercial?, The Corcoran Group?, ERA?, Sotheby's International Realty?, NRT LLC, Cartus and Title Resource Group. Collectively, Realogy's franchise system members operate approximately 13,500 offices with 238,500 sales associates doing business in 103 countries and territories around the world. Realogy is headquartered in Parsippany, N.J.

    Media Contact:

    Kathy Borruso
    Kathy.borruso@realogy.com
    (973) 407-5041

    ###

    Social Reach:

    Viewer Response:

    Source: http://www.franchising.com/news/20121018_realogy_launches_official_facebook_page.html

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    High-school girls invent life-preserver T-shirt for toddlers

    1 hr.

    An all-girl team of high school students has invented a comfy and cozy T-shirt equipped with a mechanism that automatically inflates it into a life preserver when it gets soaking wet.

    Called the Watawescue, the T-shirt is intended for children age 2 to 4 to wear while they are playing near a swimming pool.?

    ?If the child falls in the water in an accident, the mechanism will go off and the inflatable bladder will inflate below the arms,? Briana ?BB? Soto, a senior at the Girls Leadership Academy of Arizona, told NBC News.

    Soto and her team at GLAAZ are among 16 teams selected for the 2012-2013 InvenTeams Program, a Lemelson-MIT initiative to get high-school students excited about invention and careers in math and science.

    The girls will receive up to $10,000 to develop their T-shirt?? and they'll get advice?from industry and academic mentors in their community. Each of the other 15 teams will win similar support for their bright ideas.

    Inflatable bladder

    The GLAAZ?team came up with the Watawescue concept after looking at the needs of their community. In the first six months of 2012, Soto noted, there were 46 drowning deaths in Arizona. Fifteen of the victims were children.

    ?It was a great opportunity for us to invent something that will actually help,? she said.

    The inflation bladder is sewn into a mesh fabric that wraps under the arms like an inner tube. A carbon-dioxide cartridge and alarm mechanism are stored in a small pouch on the back of the T-shirt.?

    The cartridge is sealed with a bobbin that dissolves upon immersion in water. As it dissolves, the compressed gas passes through a vibrating mechanism to produce a loud sound as it inflates the tube.

    The alarm should alert nearby parents or guardians while the tube keeps the toddler afloat. It is not intended to replace a life jacket, Soto said, but should help?keep children safe when playing near pools.

    The tube will inflate only if the toddler gets soaked. Running under a sprinkler or spilling milk on the shirt wouldn't provide enough liquid to dissolve the bobbin, keeping accidentally?puffy shirts to a minimum.

    More women in science

    Three of the 16 InvenTeams selected this year are from all-girl schools, an intentional push to encourage more women to pursue careers in science, technology, engineering and math, a broad scope known as STEM.

    Women currently hold less than 25 percent of STEM-related jobs and hold a correspondingly?low share of STEM undergraduate degrees, according to the U.S. Department of Commerce.?

    ?The gender gap within STEM fields can be attributed, in part, to the need for more role models in related careers,? Joshua Schuler, executive director of the Lemelsom-MIT Program, said in a news release announcing this year?s teams.

    The Girls Leadership Academy of Arizona is the state?s first and only public single-gender school in the state. It serves predominantly low-income students: 81 percent come from families at or below the federal poverty level.

    Participation in InvenTeams is ?an opportunity for us to demystify science for our girls,? Yvonne Watterson, the school's head, told NBC News.

    As an all-girls school, she added, faculty can offer specific support to help women succeed in STEM fields.?

    ?They would not be able to get that anywhere else because the cost of a private, single-gender education is cost prohibitive,? she said.

    In June 2013, the teams will showcase their projects at MIT. To learn more, visit the Lemelson-MIT InvenTeams website.?

    John Roach is a contributing writer for NBC News Digital. To learn more about him, check out his website. For more of our Future of Technology series, watch the featured video below.

    Source: http://www.nbcnews.com/technology/futureoftech/high-school-girls-invent-life-preserver-t-shirt-toddlers-1C6443493

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