Thursday, February 16, 2012

Siedem szcz??liwych liczb ? Wellness and Sport Recreation

Posted By OrofinoNeuhart446 on February 16, 2012

Every single time you turn about you hear on the news, radio or even your physician is telling you that being active is a wonderful way to get and stay healthy. By participating in sport recreation you can not only have a lot of fun but you can also remain healthy and in shape as nicely. If you are thinking that you are too old to even think about undertaking this than you must feel once again. There are a lot of various factors that you can do in order to get active and still appreciate the world of sports at the very same time.

Of course when we are young we are not thinking about the rewards to staying active but as parents we are constantly looking for methods to get our youngsters from behind the tv and outside into the fresh air and sunlight. Though they may chose sport recreation that is indoors, they are nonetheless finding some exercise and acquiring the opportunity to interact with other people and have a lot of enjoyable in the process.

If they want to participate in more than one type of sport than that is even greater since they will be finding a selection which is the spice of life.

For several that commence out playing sports for the enjoyable of it, this often turns into a way of life and becomes their job. There is nothing incorrect with this as lengthy as they are nevertheless getting fun. However, when numerous turn into involved with factors on an expert level, the concept of sport recreation can turn into a chore and no longer means something a lot more than a paycheck. This is unfortunate but, they are at least still carrying out what they loved as a kid and they are still staying fit and wholesome as well.

It does not matter if they are playing with a bunch of close friends for the enjoyable of it or they are grown guys and girls who are hanging out with friends and have some friendly competition.

The notion of sport recreation appeals to everybody on some level no matter what they appreciate carrying out. Whether you take pleasure in soccer, basketball or maybe tennis, there is some thing for you. And, if you really feel like you just need to have to sit and enjoy the globe around you, you could take pleasure in fishing which yes it is a sport whether you consider that it is or not.

The bottom line is that whilst you are getting fun enjoying all that sport recreation has to supply you and or your family members, there are positive aspects that you could not realize to the fun that you are having. You do not usually have to believe about the perks to a thing as you are doing it. Of course if you are a parent, you are going to think about each tiny issue that your child is performing and it is not going to matter what age they are. Even if it is your husband you are going to worry. But just for a little although, get out and enjoy the enjoyable.

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Source: http://www.siedem.twoj-internet.com/2012/02/16/wellness-and-sport-recreation/

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Wednesday, February 15, 2012

[OOC] Fairy Gaiden

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Shanatos
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Friday, February 3, 2012

Personal Finance Tips That Could Change Your Life! | Practice ...

Finances are something which every adult specials with. Each part of your day requires that you make any number of financial decisions, so it is vital that you obtain a handle on your finances as quickly as you can. At this site are a few fantastic private finance tactics to keep you likely in the positive direction.

In case you are as much as your knees in debit card debt, do oneself a favor and cut up and cancel all of your cards but one. The remaining card should be the 1 that offers the lowest costs and most favorable repayment terms. Then, rely on that card for only the most critical purchases.

Set up an automatic payment in your debit card firms. In numerous situations you can set up your account to be paid directly from the examining account every single month. It is possible to set it up to just pay the minimum balance or pay far more instantly. Be sure to have adequate funds in your examining account to pay these bills.

Make your personal finance record-attempting to keep far more efficient and easy to study by marking debits and payments in your check registry by using a bold, red ink pen. This will make you much less likely to overlook withdrawals and debits and will also enable you to rapidly verify all expenses when you balance your checkbook.

In case you take a bank card without a rewards course, give some thought to applying for one that earns you miles. Combine a debit card that earns miles with a frequent flier rewards course from the popular airline and you?ll fly free of charge every now and yet again. Make sure you use your miles before they expire however.

It might take a little bit more effort and distance, but it is possible to conserve an excellent deal of income with time by using only the ATMs of your bank, credit union, or thrift. Financial institutions often levy hefty per-transaction and monthly fees for utilizing the ATM of other financial institutions, and these fees can add up very fairly quickly.

When you are trying to improve your credit rating, think of finding an approach to transfer debt to ?invisible? locations. In the event you can pay a delinquent account off by borrowing from the friend or family person, your credit rating will only reflect which you paid it off. If you go this route, always sign something with your loan company that gives them the ability to use you to definitely court should really you fail to pay, for additional security.

Use these ideas as approaches to have your finances in order, and gradually you?ll get started to locate your monetary situation enhance. Whenever you have your finances below manage, you?ll find that your life starts to enhance too. Generate a financial arrange, stick to it, and watch how your life begins to unfold in the fresh, new way.

If you want added information about annual credit report, swing by Elenor U Karras?s web page in a jiffy.

Source: http://www.practiceforexaccount.net/personal-finance-tips-that-could-change-your-life

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Thursday, February 2, 2012

4 Basic Rules of Business Branding Part 2 - daily Blogma

4 Basic Rules of Business Branding Part 2Business Branding
Rule #2
: Let the logo do the talking

In those crucial first few seconds of grabbing a client?s attention, your logo must convey a clear, concise message that is easily understood.? For example, if you fix computers, consider including an image of a computer and stethoscope to convey that you?re a computer doctor.? Or, if you own a hair salon, include an image of old-fashioned vanity lights and shears.

Get the idea?? The key is to identify at least one tangible icon that represents your business.? The slogan should do the talking, while the logo is visually supportive of the message of the slogan.

Anne Bachrach

Anne M. Bachrach is known as The Accountability Coach?. She has 23 years of experience training and coaching. The objective is to work less, make more money, and have a more balanced life. Anne is the author of the book, Excuses Don?t Count; Results Rule!, and Live Life with No Regrets; How the Choices We Make Impact Our Lives. Go to http://www.accountabilitycoach.com/landing/ and get 3 FREE gifts including a special report on 10 Power Tips for Getting Focused, Organized, and Achieving Your Goals Now. Join the FREE Silver Inner Circle Membership today and receive 10% off on all products and services, in addition to having access to assessments and resources to help you achieve your goals so you can experience a more balanced and successful life (http://www.accountabilitycoach.com/coaching-store/inner-circle-store/).

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Article Tags:anne bachrach, business, coaching, logo, management, marketing, success

Source: http://dailyblogma.com/business/4-basic-rules-business-branding-part-2/

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11 young stars pack Vanity Fair Hollywood cover

By Kurt Schlosser

Vanity Fair magazine has unveiled the cover of its annual Hollywood issue. The three-panel layout evokes an old Hollywood feel with 11 young actresses in pastel satin dresses and feathers on a Jazz Age set.

The stars are: Rooney Mara, Mia Wasikowska, Jennifer Lawrence, Jessica Chastain, Elizabeth Olsen, Adepero Oduye, Shailene Woodley, Paula Patton, Felicity Jones, Lily Collins, and Brit Marling. Mara and Chastain both received Oscar nominations this season. Mara was nominated for best actress for her portrayal of Lisbeth Salander in "The Girl with the Dragon Tattoo,"and Chastain for her supporting role in?"The Help."

Check out Vanity Fair's behind the scenes video?of the cover shoot with photographer Mario Testino.

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Source: http://todayentertainment.today.msnbc.msn.com/_news/2012/01/31/10278818-vanity-fair-packs-11-young-stars-onto-hollywood-cover

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Wednesday, February 1, 2012

Obama presses Congress to step up aid for homeowners (Reuters)

WASHINGTON (Reuters) ? President Barack Obama on Wednesday pressed lawmakers to back a $5 billion to $10 billion plan to help U.S. homeowners refinance, part of an election-year package that is unlikely to overcome Republican opposition in Congress.

Obama moved to counter Republican criticisms that the proposal would use taxpayer money to bail out irresponsible borrowers by stressing that only homeowners current on their payments could benefit. The president had sketched out the plan in his State of the Union address last week.

Nearly 11 million Americans are underwater on their mortgages, meaning they owe more than their homes are worth. Millions more have lost their homes in states that are up for grabs in November's presidential election.

The program would seek to move homeowners who have been locked out of refinancing into government-backed loans. A senior administration official said it could reach 3.5 million Americans who are not in currently in government-guaranteed loans. An additional 11 million homeowners whose loans are backed by Fannie Mae and Freddie Mac could also be eligible, the official said.

"The truth is, it will take more time than any of us would like for the housing market to recover from this crisis," Obama said at a community center in Falls Church, Virginia. "But there are actions we can take, right now, to provide some relief to folks who've been making their payments on time."

The White House is seeking to contrast Obama's stance with that of Republican presidential front-runner Mitt Romney, who has said U.S. foreclosures should be allowed to run their course.

The next contest in the state-by-state battle for the Republican presidential nomination is in Nevada, the state that has had the highest foreclosure rate in the nation in each of the last five years.

Nevada is seen as a potential swing state in the presidential elections, as is Florida, which has also been hard-hit by foreclosures.

The Federal Housing Administration would run the program -- another sticking point for Republicans. The FHA has been hard hit by mortgage defaults, and Republican lawmakers have warned it could eventually need a taxpayer bailout.

Republicans have also rejected Obama's call to pay for the program with a bank tax that Congress has turned down twice before.

"Rather than increase the government's stranglehold on our nation's housing finance system, we need to dial it back," said Republican Representative Scott Garrett of New Jersey, who heads a House of Representatives subcommittee that oversees housing finance.

HELPING UNDERWATER HOMEOWNERS

Obama's plan would allow borrowers to refinance even if they owe far more than their homes are worth. Many homeowners have not been able take advantage of current record-low mortgage rates because the prices of their homes have fallen and lending standards have tightened.

The White House said the program could save borrowers an average of $3,000 a year. It would be open to homeowners who have been current on their payments for the last six months and who have not missed more than one payment in the prior six months.

The administration also said it would ask Congress to broaden the existing Home Affordable Refinance Program, which seeks to help underwater borrowers with loans backed by Fannie Mae and Freddie Mac win new loan terms. It said the regulator that oversees Fannie Mae and Freddie Mac had not done enough to make the program accessible.

Together, Fannie Mae, Freddie Mac and the FHA own or guarantee nine out 10 new U.S. home loans.

The administration also called for a single set of federal standards for the mortgage servicing industry, including simple mortgage application forms and greater efforts to assist borrowers facing foreclosure.

Obama also highlighted an effort the administration has undertaken with the Federal Housing Finance Agency, which regulates Fannie Mae and Freddie Mac, to convert foreclosed properties held by the two government-controlled firms into rental units.

FHFA said on Wednesday that investors could now sign up to prequalify to bid on properties under the program, and said it would kick off a pilot phase soon.

Last week the Obama administration called on FHFA to allow Fannie Mae and Freddie Mac to reduce loan principal for struggling homeowners, in an effort to widen the reach of its main foreclosure prevention program -- the Home Affordable Modification Program

When it launched the program in 2009, the administration said it would help as many as 4 million Americans. So far, only about 900,000 households have won permanent mortgage relief under the program.

"I'll be honest - it didn't work at the scale we'd hoped," said Obama.

(Additional reporting by Laura MacInnis and Alister Bull; Editing by Tim Ahmann and Andrea Evans)

Source: http://us.rd.yahoo.com/dailynews/rss/obama/*http%3A//news.yahoo.com/s/nm/20120201/ts_nm/us_usa_housing

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What Happens to the Kids When Charter Schools Fail? (Time.com)

Terri Griffin made herself a promise when her youngest daughter was ready for kindergarten: the little girl would never set foot in an Akron public school. Griffin, an Akron jewelry store clerk who is a graduate of the Ohio city's school system, had sent eight children -- two of her own and six others she raised as her own -- to traditional public schools.

She felt they were pushed through to a diploma and didn't learn enough. Teachers were eager to recommend special education, but Griffin couldn't get them to provide other basic extra help. Two years ago when her youngest daughter was entering kindergarten, she sought out a charter school, Lighthouse Academy, and hoped for a better outcome. (MORE: New Grades On Charter Schools)

Griffin didn't know about the Lighthouse Academy's low test scores or that it had been identified by the state as being in an academic emergency on and off since opening in 2000. Instead, when she visited the West Akron school, Griffin saw caring teachers working with small classes in a school that was well established in the community. She hasn't once regretted her decision.

Now, under Ohio's charter school closure law, considered the toughest in the nation, Lighthouse Academy is slated to be closed at the end of the year. The 2006 law mandates that any charter school that has received the state's Academic Emergency rating or been placed on academic watch for two out of three years will be shut down. (The ratings are based on state test scores.)

Most of Lighthouse's 66 students will be thrust back into the same public schools their parents tried to flee. Nearby public schools only perform slightly better than Lighthouse on standardized tests, and some do just as poorly.

The closure is another blow for the children of this fading industrial city, where a third of all children live in poverty and about a quarter of high schoolers fail to graduate. It's a scenario becoming familiar to thousands of families in the nation's poorest neighborhoods as more and more districts start cracking down on low-performing charter schools, which get public funds but operate without the usual bureaucratic constraints. (PHOTOS: A Mandarin School in Minneapolis)

The dismantling of so many charters has some experts worrying that when students are forced to leave educational environments where they have friends and feel comfortable, the disruption is destabilizing and upsetting to some of the system's most vulnerable populations. Robert Slavin, director of the Center for Research and Reform in Education at Johns Hopkins University in Maryland, believes closure should be a last resort, after giving schools support and experimenting with solutions. Otherwise, well-meaning educational programs could wind up hurting the very kids they are trying to help. "Letting alone or closing are not the only two options," Slavin said. Closing "is very damaging to kids."

Nonetheless, the crack down on ineffective charter schools has the backing of charter supporters as well as critics. In an effort to save the charter movement, which has come under increasing scrutiny, advocates have asked for more accountability, supporting forced closures of low-performing schools. Florida has already adopted a law similar to Ohio's. During the current legislative session, charter advocates in Missouri are pushing a bill that would require charter schools to set up specific benchmarks, giving sponsors an easy way to hold schools accountable. The California Charter Schools Association has said it will start urging school boards not to allow faltering schools to stay open. (MORE: Why It's Time to Replace No Child Left Behind)

Bill Sims, president of the Ohio Alliance of Public Charter Schools, says he regularly gets calls from his counterparts in other states asking for more information on Ohio's law so they can use it as a model for their own legislation.

"The good news is Ohio doesn't keep underperforming schools open. The bad news is it hit Lighthouse," said Marianne Cooper, director of the Richland Academy of the Arts, the non-profit community arts center in Mansfield, Ohio that sponsors Lighthouse. The organization has closed the four other charters it operated, but saw potential in Lighthouse because of some of the very same things that attracted and have impressed Griffin.

"I love the way the classes are structured," Griffin said, of her now-second-grader's experience. "The teachers that she has had take those children in as their own."

The personal attention has not translated into convincing data, however. Lighthouse has struggled on state tests since it opened, falling well below state and district averages. Over the past six years, an average of only 31 percent of its students annually reached proficiency across all grades and subjects. In some cases, only one student per class passed the exam.

Last year, every student demonstrated at least one year's worth of growth, according to state standardized tests, although many remained below grade level in their performance.

Using this as a key argument, Principal Fannie Brown plans to appeal the closure decision. However, the Ohio Department of Education said the decision to close would not be overturned.

"While the school made some academic gains in the last report card period, it was simply not enough to surmount the consequences of the closure law," said Ohio Education Department spokesman Patrick Gallaway.

MORE: New Grades on Charter Schools

If Lighthouse closes, as expected, it could represent the beginning of a major change in the way charter schools operate. Nationally, charter schools with low scores are only slightly more likely to close than traditional schools with low scores, according to a recent study by the Fordham Institute that examined charters in 10 different states. New data released by the Center for Education Reform indicates that 15 percent of charter schools have been shut down over the course of the charter movement, which began two decades ago. But fewer than 200 of the 6,700 charters that have opened since 1992 were closed down for academic reasons; the majority were shuttered due to financial or mismanagement problems.

Jeanne Allen, president of the center, a pro-charter group, says that administrative problems indicate that a school isn't working long before test scores come out; the center's data, she says, shows that failing schools do get shut down even without the new regulations. "The vast majority succeed [and] stay open," she said. "Those that don't are closed within a few short years before they can ever have any negative impact on students."

Many others within the charter movement, though, are not so convinced that closures are always so timely.

In California, for instance, the charter school association is poised to start holding charters to task with or without a new law, and is urging school boards not to allow faltering schools to stay open. Doing so might encourage more school boards to take the politically unpopular step of closing down schools, the group says. Myrna Castrej?n, a senior vice-president of the California Charter Schools Association, said her group couldn't keep making the case for charter schools if it was seen as soft on failing charters.

More than almost any other state, Ohio shows that change is possible. The state originally took the "let a thousand flowers bloom" approach, encouraging rapid expansion of charter schools with minimal oversight. Ohio educators expected that parents would stay away from bad charters, which would then be forced to close down, said Todd Ziebarth, vice president for state advocacy and support for the National Alliance for Public Charter Schools.(MORE: Grading the GOP Candidates on Education)

Instead, the state became something of a national embarrassment in the charter movement, with headlines about gross mismanagement and financial scandals. In 2006, when the automatic closure law was written, more than half of Ohio's charter schools were rated a D or F under the state grading system.

The new regulation is a big step forward, but it hasn't fixed everything. Only 17 charters have been shut down in the past five years as a result of the new law, in part because of a loophole that allows high schools with "dropout prevention programs" to stay open regardless of performance. And more charters have opened to replace those that have been shut down.

Ziebarth thinks closing schools like Lighthouse should be an easy decision. If a school fails to live up to expectations in five years, it should be shut down, he said: "What we can't do is perpetuate mediocrity and failure."

Nonetheless, Lighthouse Principal Fannie Brown and her faculty members think they should have more time to improve before putting their kids through the disruption of being sent back to regular public schools, some of which might be worse or only slightly better than Lighthouse. They admit that the school has had a rocky history but say they've completely replaced the staff in an ongoing effort to improve. "I only wish that Dr. Brown had taken this school on two or three years ago," Cooper said.(LIST: 7 Things You Need to Know About a School (Before You Enroll Your Kid)

For now, it's business as usual for Lighthouse students. On a cold November afternoon, first- and second-graders practiced how to take out books and put them back with the spine facing the right way in the school's brand new library, then danced to a YouTube video of "Five Little Reindeer Jumping in the Snow."

But the adults in the building can't escape the sadness of impending closure.

Over microwaved frozen pizza and reheated leftovers in the staff lounge, teachers say they're just trying to get through the school year before thinking about looking for other jobs. They worry about what will happen to their children next year in "bigger, rougher" public schools. "The best schools in Akron," said teacher Jessica Satterlee, "are not where our kids live."

Terri Griffin is still hoping that the closing can be averted, but if not, she's sticking to her vow. If Lighthouse shuts down, her daughter still won't be going to the Akron Public Schools. Instead, she will be in private school, which Griffin's extended family will help pay for. "It's hard to explain -- as a mother who really, really has a passion for their child's education -- I felt so bad. I didn't know what to do," Griffin said. "This school is the only thing she knows."

With additional reporting by Emily Alpert in California

This story was produced by{ The Hechinger Report}{ http://hechingerreport.org/}, a nonprofit, nonpartisan education-news outlet affiliated with Teachers College, Columbia University.

PHOTOS: A Separate Peace: Portraits from a Gay-Friendly School

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Source: http://us.rd.yahoo.com/dailynews/rss/education/*http%3A//news.yahoo.com/s/time/20120131/us_time/08599210573300

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