Can I Nike Increase On My Health Insurance Insurance policy ...

If you want help finding affordable Nike health insurance quotations, look at our suggestions and figure out how to get cost-effective health care insurance you prefer best. Discovering how medical health insurance firms jobs are important when searching for the lowest priced health insurance quotations. We shall instruct you on ways to lower your monthly premiums.

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Prior to going out and select your wellbeing insurance coverage or company, make certain you shop around and discover what everybody has to offer. You will find lots of medical insurance companies on the market around this specific moment and you also want to be sure that you see one particular which is a very good match up for yourself and your family.

If your loved one are generally qualified to receive health insurance through your personal places of work, compare both policies to determine which one will advantage your family members most. You might find which it will probably be Nike 2012 less costly to carry personal insurance policies through your places of work. Keep the surcharges that some organizations fee for dependents when you compare both the.

A good medical health insurance idea is to take advantage of any cost-free proper care that some medical centers have the ability to provide. Some medical facilities supply free of charge attention to very low revenue family members. Just to be eligible, you have to distribute a software, and also you have to supply proof of your family?s revenue.

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When your thinking about individual medical insurance some businesses allows you to require a ?free appear? or a ?test travel? in the insurance coverage. What this means is that you would have a certain amount of time to basically experiment with the insurance plan this way you can expect to understand fully the policy. Within that certain length of time in case you are not happy you can obtain a full refund.

Discovering Nike Pas Cher how the insurance plan system functions is very important when dealing with insurance carriers. It is actually possible to possess a great health insurance policy, that is certainly both reputable and reasonably priced. Stick to our tips and you will get exactly the policy that you might want, need and will depend on.

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Source: http://articlereference.net/sports-2/can-i-nike-increase-on-my-health-insurance-insurance-policy.html

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A new jewellery collection celebrates 1000 days of Entice in India

A collection of pendant and earrings sets has been introduced, as a mark of the Entice jewellery brand completing 1000 days since its launch in India. This feat is being celebrated at the flagship Entice showroom between 27th July to 2nd August, 2012. The new collection is named Zayna, an Arabic word that stands for Beauty.

Zayna is being retailed at the Jaipur, New Delhi and Mumbai boutiques of Entice.

The designs depict Indian and Mughal influences and a confluence of Indian culture with contemporary designing techniques and modern technology. The jewellery is crafted in gold with diamonds, polki, pearls and enamel.

Manufactured in the India unit of Entice, Zayna is crafted with exemplary skills and expertise. Mrs. Manju Kothari- creative director, Entice says, ?Zayna is a one remarkable collection we are offering to our customers. It?s an unusual amalgamation of design and craftsmanship for the traditionally modern souls of today. The launch is timed to mark the beginning of the festive season in India and to celebrate glorious 1000 days of Entice.?

Enticeis a brand of KGK -which is a leading gem and jewellery company.

Source: http://www.diamondworld.net/contentview.aspx?item=7129

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Continuous Change Management Software Strategy Framework ...

Continuous Change Management Software Strategy Development Framework Model, Strategic Management, MBA models and frameworks, business

Hits: 16 visitors

Publisher: sqaki.com/7/ContinuousChangeManagement/

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Source: http://downsoftwares.com/other/continuous-change-management-software.html

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All eyes on ECB's Draghi to fight crisis

European Central Bank president Mario Draghi has already taken Europe's monetary authority into uncharted territory.

Now, with the debt crisis in Europe threatening further disaster, he may have to push it even farther into the unknown to save the euro.

The 17 countries that use the euro are struggling as economies across the region face deepening recessions. Spain and Italy, the two chief trouble spots, are threatened with a financial collapse that could tear the 13-year old currency union apart and rock the global economy.

Spain's bond borrowing costs, or yields, have hit record highs recently as it tries to prop up its stricken banking sector and meet requests for financial aid from its regional governments. That has raised fears the country may be the next to seek a bailout from the other eurozone countries, following Ireland, Greece, Portugal and Cyprus. Italy, attempting to keep a handle on its debts in a stagnant economy, is also feeling the heat.

Then last Thursday, Draghi sharply raised expectations for more central bank action when he vowed the ECB would do "whatever it takes" to save the 17-country euro, and that "believe me, it will be enough." Markets jumped on the news, expecting that the bank could soon intervene in bond markets to drive down the borrowing costs that are threatening Spain and Italy.

In the days following Draghi's comments, politicians across Europe have added their voices to pledges of action for the eurozone. First came a joint statement from Angela Merkel of Germany and France's Francois Hollande, followed by another from Merkel and Italy's Mario Monti. This was followed by the head of the eurozone's finance ministers group, Jean-Claude Juncker, and German finance minister Wolfgang Schaeuble.

All eyes are on Draghi to see what the ECB can deliver.

Yet Draghi and the 23-member governing council face a key constraint: they must contend with the demands of fear-stricken financial markets on one side and its founding treaty on the other.

The 1992 treaty gives the bank an overriding mandate to control inflation first, and only then to seek other goals such as growth. It is forbidden from supporting the finances of eurozone governments. That's different from other central banks, such as the U.S. Federal Reserve and the Bank of England, which have broader crisis-fighting powers.

The Fed is meeting this week and could decide to take more action to stimulate a weakening economy.

How far can Draghi go? The bank also has a meeting this week but could act at any time. Here are some possibilities ? and their drawbacks:

BUY GOVERNMENT BONDS:

Buying bonds drives up their prices, and pushes down their interest rates ? or yields. That's because prices and yields move in opposite directions. Starting in May, 2010, the ECB intermittently bought more than ?200 billion worth of bonds of shaky governments including Italy and Spain, on the open market.

DRAWBACK: The effort did not do much to calm the crisis. Its impact was blunted because the ECB stressed it was limited in amount and focused only on spreading the ECB's interest rate policy throughout the eurozone. It is opposed by some, including Germany's Bundesbank, which has a seat on the ECB's board, as blurring the bounds between influencing interest rates ? the ECB's job? and helping government finances, which it can't do.

Europe's temporary bailout fund, the European Financial Stability Facility, could buy bonds ? but has limited resources on its own.

TURNING THE BAILOUT FUND INTO A BANK:

By agreeing to a banking license for the European Stability Mechanism, the bailout fund set up by the countries that use the euro, the ECB would enable the fund to borrow from the ECB and use that money to buy the bonds of troubled governments from investors on the open market.

Because the ECB can create as much money as it wants in order to lend, the ESM could in theory raise several trillion euros if it had to. And because the ECB is not helping out governments directly, it can be argued the practice would not fall foul of the treaty.

"That is the No. 1 concrete thing they could do," said Karl Whelan, an economist at University College Dublin and former staff economist at the Federal Reserve. "There is nothing illegal about it. People would stop staying the eurozone doesn't have the firepower to fund Spain and Italy. It would be the end of that concern."

DRAWBACK: Nonetheless, Draghi and others say the idea is still too close to financing governments. He made a forceful statement July 5 that the move would violate the ECB's mandate and "destroy its credibility."

Still, the ECB has reversed course on other issues during the crisis.

LEND TO BANKS:

The ECB could expand its lending to banks for short-term loans. It would do that by agreeing to ease its rules on what types of collateral it could take for banks for these loans. It has already done this several times before and also given banks unlimited credit.

It could also make a third offer of cheap, three-year loans to banks, after two rounds that handed out ?1 trillion in December and February. Some banks used the money to buy government bonds. That's allowed under the ECB treaty because the ECB can loan any amount to banks ? just not to governments.

DRAWBACK: Banks holding too much government debt is already one of the key risk factors in the crisis. A government default would hurt banks and cut off lending to the wider economy. More lending could make that worse.

CUT RATES:

Analysts say the ECB has room to cut the main refinancing rate it charges banks for loans from the current all-time low of 0.75 percent. It could also push the rate it pays banks for deposits ? currently zero ? into negative territory, a move aimed at pushing them to lend funds rather than stash them with the ECB. This could help bolster currently weak growth ? which would help government tax revenues and make it easier to pay debts ? and lower costs to shaky banks.

DRAWBACK: Rates are already very low and it's not having much effect on business activity and borrowing.

Jonathan Loynes, chief European economist at Capital Economics in London, says Draghi's remarks last week were a "pretty strong signal" the bank might intervene in government bond markets with limited purchases aimed at lowering countries' borrowing costs, as it has before on a limited basis. Markets, however, appear to hope for that plus more, a comprehensive new approach.

"My guess is, the markets will be disappointed," Loynes said. "There was a lot of emphasis on those three words, 'Whatever it takes.' "But there are three other words that are just as important: 'Within our mandate.'"

Source: http://news.yahoo.com/eyes-ecbs-draghi-fight-crisis-121535478.html

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Fitness Consulting Group Provides ?Fit Business Inner Circle? to ...

Posted by Admin at 8:13 AM. Placed in Fitness category

Fitness Consulting Group, parent company of personal trainer marketing website Fit Business Insider, is offering trial access to its Fit Business Inner Circle for only $1.

Elizabethtown, KY (PRWEB) July 11, 2012

Fitness Consulting Group, in association with its subsidiary company FitBusinessInsider.com, is offering a test drive of its Fit Business Inner Circle program. The program offers unlimited access to numerous fitness business building resources, including business case studies and live coaching sessions.

Being a member of Fit Business Inner Circle program includes many great tools, says Pat Rigsby, CEO of FitBusinessInsider.com?s parent company Fitness Consulting Group. Such tools include monthly business building modules, Qamp;A calls with Rigsby himself, a private forum exclusively for fitness professionals, marketing help, and more. It also includes events like this Friday?s business coaching clinic, which belongs to the series of quarterly fitness business coaching sessions available to members of the inner circle.

Largely because of the numerous business building tools offered to Fit Business Inner Circle members, the FBIC has been called the premier membership program for fitness entrepreneurs.

?There has never been a better time to build a personal training business,? said Pat Rigsby. ?The field is more wide open than ever, but not every personal trainer knows how to make their fitness business profitable.?

A former college baseball coach, Rigsby and business partner Nick Berry bring years of experience as trainers, coaches, and fitness business owners to each product they create.

?The fitness industry is constantly evolving, so the only way to have sustained success is to keep growing as a trainer and business person,? Rigsby advises. ?We offer so many tools with the FBIC because, quite frankly, there?s a lot to learn and to do in order to be successful.?

However, Rigsby warns that anyone expecting FBIC membership alone to accomplish their goals for them is forgetting that the first step toward fitness business success is hard work.

?What FBIC offers is help ? and lots of it,? Rigsby says. ?We will give you the tools and information to be successful, but it?s up to you to take action. The first step is taking action to join the Inner Circle, but from there you have to remain committed to growing, learning, and doing.?

Right now, a 30 day trial membership to the Fit Business Inner Circle is available for only $1. To learn more about becoming a member of the Fit Business Inner Circle, visit: http://fitnessprofitmachine.com/trial.html

About Pat Rigsby and Nick Berry: Pat Rigsby and Nick Berry are the co-owners of Fitness Consulting Group, a leading business development consulting firm within the fitness industry.

Fit Business Insider is part of the Fitness Consulting Group family of companies. It provides personal trainers, coaches, and fitness business owners around the world with business building programs, coaching, consulting, and resources.

To learn more about growing your fitness business, visit http://FitBusinessInsider.com.

####

For the original version on PRWeb visit: http://www.prweb.com/releases/prweb2012/7/prweb9688602.htm

Tags: Fitness

Source: http://www.ironchefofmusic.com/2012/07/25/fitness-consulting-group-provides-fit-business-inner-circle-to-fitness/

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How To Eliminate White Spots On Skin Without The Need For Costly ...

Sun spots on skin are quite often referred to as age spots, but they are, as the name implies, caused by the sun rather than by age. The only reason they're sometimes called age spots is because they usually only become visible later in life. Interestingly enough, these dark patches were once thought to be indicative of liver trouble, and as a result, they were, and still are, sometimes called liver spots.

The only way to avoid getting sun spots is to stay out of the sun as much as possible, but at the same time, one shouldn't forget the fact that spending some time in the sun is actually good for one's health. However, it is certainly advisable to use a good sunscreen if you intend being outdoors for any length of time.

When choosing a sunscreen, it's also wise to remember that not all sunscreens are created equal. Many of them contain padimate-O, which is also often called octyl dimethyl. This chemical has the ability to absorb UV light, thereby preventing direct UV related damage to DNA. However, studies have found that the actual molecules, once they've absorbed UV light, can cause secondary DNA damage which is similar to damage caused by ionizing radiation. Admittedly though, such studies have not yet been conducted on humans.

If you are currently trying to get rid of your existing sunspots, I'd personally recommend that you use a good quality, all-natural skin care product. Many beauty clinics advertise laser treatment, chemical peels, and microderm abrasion for the removal of spots and blemishes, but these procedures are incredibly expensive, and their level of success is questionable at best.

Sun spots are not only visible on the topmost layer of your skin, but instead, they reach all the way to the lower layers. Chemical peels and microderm abrasion simply serve to exfoliate the outer layers, and then it's a matter of hoping for the best that newly formed skin will once again have pigment. Laser treatment on the other hand can on occasions stimulate the skin to produce new melanin, which is essentially what gives skin its pigment. Again, this is a hit and miss approach, and if it doesn't work for you, you will have wasted a small fortune.

You can also buy skin bleaches, but they take several months to work and they can cause very unpleasant side effects. Many people are overly hasty, and are thus tempted to use stronger than recommended concentrations, and when this is done, it could lead to permanent scarring.

Again, there are some very effective, all-natural skin care products on the market which are specifically designed for sun spots on skin, but as is often the case which all-natural health and beauty treatments, they don't produce overnight results. My advice is, rather play it safe, even if it means you'll have to put up with your spots for a little longer.

If you would like to find more detailed information on how to get rid of white spots on skin in a way which is both safe and incredibly affordable, please take a minute to visit my site at http://www.naturalbeautyandskincare.com/.

Source: http://articles.submityourarticle.com/how-to-eliminate-white-spots-on-skin-without-the-need-for-costly-cosmetic-procedures-284065

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2012 Harley-Davidson FLS Softail Slim Motorcycle Review ...

Don?t let the name fool you. The Slim is more than just a trimmed-down Softail. It?s a bike that salutes the immediate post-World War II years when motorcycling redefined itself in America. It was a wild and rollicking time, too. And, despite today?s misperception that the 1947 Hollister incident served as ground zero, the real activity shaping the future of biking took place at competition events across America. Speed merchants like Tom Sifton and Chet Herbert built dazzlingly fast motorcycles for ironmen such as Joe Leonard, Ken Eggers, and Jimmy Chann for closed-course racing, and for a guy named Al Keys to ride as fast on two wheels as possible.

Among the lessons learned from racing was that excess weight can hamper a bike?s speed and handling performance. Indeed, even before the post-war era, competitors realized this and it was common to see Harley VLs and Indian Scouts with cut fenders and extemporaneous components removed in the interest of speed. Those early bikes were known as cut-downs, and across the aisle in the automotive world, racers removed fenders, floorboards, bumpers, even windshields from their cars, in the process prompting new names for their vehicles. Those early hot-rod cars were actually known as soup-jobs and bob-jobs; only later did someone coin the term hot rod. Bikers settled on the term bobber for their bikes, and it was common to see them at the Jack Pine Enduro, and TT races and scrambles across America.

Perhaps the ultimate bobber, though, was the Knucklehead-powered bike that Chet Herbert built for Al Keys to race at El Mirage Dry Lake. Keys, riding a bike known as The Beast, was clocked at 158 mph. In July 1950, Herbert, who went on to build high-performance race cams for
motorcycles and cars, also entered The Beast at the nearby Santa Ana Drags, which was to become the first continuously sanctioned quarter-mile drag races in the world. Keys and The Beast performed magnificently, too, finishing the day as Top Eliminator, a title he held week after week, defeating the top car driver, a guy named Dick ?Krafty? Kraft.

Krafty Dick was a quick learner, though, and he took a lesson from Herbert to remove as much hardware from his modified Model T as he could. Ultimately, Krafty Dick showed up at the starting line with a bare rolling chassis sporting a firewall cowl section, a small gas tank, a flimsy roll bar, and a seat for the driver. The reduced weight was enough to finally help him slay The Beast, but the big lesson to everybody was that weight was a hindrance when it came to absolute performance. Power-to-weight ratio became part of every racer?s mantra.

But winning races wasn?t the objective behind Harley-Davidson?s new FLS Softail Slim. Instead, the Motor Company?s design team wanted to get back to basics, to focus attention on the heart and soul of the bike: the engine. After all, we?re talking about motorcycles. To do that, the stylists, led by Senior Designer Casey Ketterhagen, took the same approach that the racers did more than half century ago, in the process conceiving a bike that pays homage to those pioneers of speed.

The difference, of course, is the Slim was developed to win customers, not races, so Ketterhagen?s crew paid close attention to what components found their way on ? and in some instances, off ? the bike. Most obvious features are the bobbed fenders, and the rear lighting utilizes lessons originally applied to the Nightster, including the iconic side-mount license plate assembly. The rear tire is slimmer, too, the Dunlop listed as a MT90B-16?, which makes this the narrowest 16? tire found on a Softail.

What you won?t find much of on the Slim is chrome plating. There?s just enough of that glittery stuff to catch the eye, but for the most part black paint or powdercoating takes its place. That?s just another nod to being period correct; chromium was scarce after the war, so for several model years, new bikes rolling out of Milwaukee didn?t have many chromed parts on them.

The Slim?s 103? engine sports a raw aluminum/semi-polished finish to its primary and ignition covers, and even the rocker boxes have that poor boy finish to enhance the post-war heritage. The fork legs share a similar finish, and the old-style round air horn is coated in black.
Black highlights other trim items, too. The wheel rims, headlight, and nacelle are black, as are parts of the hand controls and that stylish Hollywood handlebar, a design that was found on early police models because its crossbar served as a place to position pursuit lights. And when you look down at the tank-mounted speedometer, you?ll also see the black cat?s eye console, another throwback to the time.

Perhaps the only point of contention that I have with the Slim?s styling is in the solo seat. While the tuck-and-roll vinyl cover looks period correct, a tractor seat as used on the Cross Bones would have been more in tune with the post-war times. But that?s a minor point, and no doubt the Slim?s saddle suits the bike?s profile well. It also sets your butt a claimed 23.3? off the deck, although a long stint in the saddle makes it obvious that comfort wasn?t paramount to its design.

But the half-moon floorboards ? another bobber-era feature ? position your feet well for long rides, and the reach to the Hollywood bar places you in a comfortable riding position as well (an optional 2? pullback riser can be installed without having to change control cables ? nice touch). You practically feel like you?re sitting in the Slim, not on it, and you can only imagine what guys like Leonard, Eggers, and Chann must have been thinking about when they rolled their bikes to the starting lines so many years ago (although by the time Leonard won his first AMA Grand National Championship in 1954 he was riding race-bred KR models).

In any case, you won?t be sliding the Slim around any dirt tracks, but you might be scraping those floorboards around some corners because there?s not much clearance if you ride this bike aggressively through the turns. But
riding moderately, the way any Softail is designed to be ridden, rewards you with all the on-road enjoyment you can expect from this 671-pound motorcycle. It?s a ride that can take you across town or across country, or even back in time to when life was a little simpler and bikers were exploring new ways to go faster on their machines. AIM

NEW BIKE REVIEW By Dain Gingerelli

Story as published in the July 2012 issue of American Iron Magazine.

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Source: http://www.aimag.com/wordpress/2012/07/2012-harley-davidson-fls-softail-slim-motorcycle-review/

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Source: http://rodriguejamie.posterous.com/2012-harley-davidson-fls-softail-slim-motorcy

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RickThomasNet: Why I Am a Christian Download by John Stott - Audiobooks, MP3, M4B, iPhone Apps, Free Downloads! http://t.co/LrrSEIzY via @christianaudio

Sorry, Readability was unable to parse this page for content.

Source: http://twitter.com/RickThomasNet/statuses/227471539199680512

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Stock Market Strategies That Everyone Must Know | The best junk ...

July 22, 2012 admin Home

What are you trying to achieve through your investments? Is it to maximize profit potential, or reduce risk to the lowest levels possible? Whichever strategy you wish to implement, this article will provide you with a few helpful hints to help you meet the benchmarks you set out for all of your investments.

Make sure you take inflation into consideration before investing in any stock. For instance, some people make the mistake of believing that $50,000 will hold the same power as it will in five years; this is not true. Generally, except the inflation rate to be 5% every year, though it could be more or less.

Try to contribute to your investments on a regular basis. Even if you can only put a few more dollars at a time into the market, doing so will pay off over time. If you are able to have a certain amount deducted from each paycheck, this will make it easier to maintain a regular contribution.

When you are investing in the stock market, try to ignore all the day to day noise and chatter that goes on in the business press. Much of this daily reporting is simply noise that will not give you any useful information. If you learn to tune it out, you will enjoy greater success.

Make sure that your investments regularly have the opportunity to grow by setting up an automatic payment from your daily account to your investment account. Set up an automatic transfer to occur on payday so that you are effectively paying yourself like any other bill. And then watch your investments monies grow.

Time it correctly!

It is important to understand what a PE ratio is when investing in common stocks. PE ratio is short for price to earnings ratio and is a reflection of what the price of stock is compared to how much money it earns. Using the PE ratio when valuing stocks helps to judge whether the stock is a bargain compared to the money it generates, or whether it is selling at a premium. It is not the only thing to consider, of course, but it one basic indicator of a stock?s relative worth.

Do not put off investing, because the biggest factor in any wealth equation is time. Any dollar you invest today is worth a lot more than a dollar you will invest tomorrow. Figure out what you can afford to start investing now, even if it is only a single percent of your budget. Then start putting it away immediately. Automate it if you are able.

Stay away from investments that a large crowd of people have claimed to be a great opportunity. Although the majority usually rules in most instances, this isn?t the case. When people agree that an opportunity is great, then things are likely to change really soon. When people make investments, they shouldn?t be making, you should stay away. Cyprus ltd can help you choose your investments wisely. Because everyone knows you want to retire comfortably.

Have you done some short selling? This method of investing includes loaning shares of stock. An investor can borrow shares if he agrees to return them at a specified date. The investor can sell the borrowed shares, and then repurchase the same number of shares when the price declines. Because the stock is sold at a higher price than the price to replenish it, this investment method can yield healthy profits.

Investing should not be considered a hobby. It?s a very competitive business, so you should treat it as such. You must understand your own profit and loss as well as those companies making those investments. Keeping this in mind can make the thought process and strategy creation for investing much easier.

An early decision you must make is how you want to access to the stock market. If you want to be a passive trader and leave the management to an industry professional, mutual funds are good options that provide automatic portfolio diversficiation. If you are more of a do-it-yourselfer, then picking and trading your own stocks is possible too. Splitting your investment between both is a choice that some do as well.

Buy stocks at regular intervals, instead of trying to guess when the best time to buy stocks is. For example, set aside a portion of each paycheck for buying stocks or else, buy stocks once every three months. By buying stocks at regular intervals, you ensure that you pay average prices for your stocks, instead of unusually high or low prices.

Make a habit of buying good stocks and holding on to them. Rapid trading can rack up costs, fees and taxes very quickly. Traders who engage in this kind of behavior also tend to try to time fluctuations in market pricing to capitalize on short-term gains. In addition to being risky, this means investing in companies they have not researched, which you probably do not have the time to do every day.

Whether you are looking for major investment returns or minimal risk, all the advice herein, can help you achieve your goals. Investing can be a bumpy road, but having a bit of knowledge on hand will ensure that you weather all of the slow times and profit as much as possible in the great times.

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Source: http://thegarbagepit.com/stock-market-strategies-that-everyone-must-know/

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How to Choose an Online Personal Trainer | Allisons Apothecary

Once thought to be the exclusive domain of the rich and famous, personal trainers have become increasingly popular among the general public. Today, personal trainers are riding the dot-com wave, making their services more accessible and affordable than ever.

Despite the obvious benefits of online training, cyber-training is most effective as a supplement to working one-on-one with a qualified trainer. Due to the complexity of many strength-training and conditioning programs, novice exercisers should begin with a hands-on trainer.

With new personal training sites springing up all over the Internet, it can be difficult to pick the best one. There is also the added danger of unqualified trainers with questionable credentials doling out potentially hazardous fitness advice.

With that in mind, consider the following tips for picking and utilizing a safe and effective online personal trainer.

First and foremost, check the qualifications of the staff that will be training you. Sites should provide background information about their staff. Make sure the personal trainers have a college degree in an exercise-related field and/or are certified by a well-respected organization such as the American Council on Exercise (ACE) or another NCCA-accredited fitness certification organization (www.noca.org/NCCAAccreditation/AccreditedCertificationPrograms/tabid/120/Default.aspx). To check if a trainer is certified by ACE, call 800-825-3636. If the site offers nutritional advice, make sure registered dietitians are on staff.Inquire about the trainer?s experience with your age group or with your particular needs or health challenges (for example, specialization with older adults or weight management). Be wary of sites that rely on ?celebrity trainers? or professional athletes to sell their services. It?s important to find out who will actually be designing your workouts, and always avoid sites that make exaggerated claims or guarantee fitness results.Make sure the site is easy to navigate. If it?s too complicated, you probably won?t stick with it. Some companies will allow you to ?tour? the site before signing up.Look for a sample workout plan. If available, make sure the plans are thorough and detailed (weight, sets, repetitions, intensity) and not simply a list of exercises. Also determine whether the site provides a method for visually communicating proper exercise technique, as text-only instructions can be difficult to follow.The site should provide an easy means of contacting your trainer for questions or concerns. Most sites provide email contact, but also look for sites that have a toll-free number so you can actually speak to a trainer. Questions should be addressed in a timely manner.Look for a site that provides bulletin board?type forums and online group support that you can use to communicate with other exercisers with similar goals.Finally, avoid training sites that ?prescribe? nutritional supplement programs. Trainers should not be advising you on nutrition (beyond the MyPyramid Food Guidance System and USDA guidelines) unless they are registered dietitians.Once you?ve decided to sign up, make sure the site requires you to complete a detailed health-history questionnaire. This evaluation should address, among other things, your goals, present level of fitness and health concerns. Trainers need this information to customize a program to fit your needs. Be honest when filling out the evaluation forms. In other words, don?t lie about your age, weight or experience level, as it could reduce the effectiveness of your training program and possibly lead to injury.Determine whether the workouts are truly personalized.?There is no one else in the world exactly like you. So, your path to fitness must be as unique as you are. Your personal journey to fitness must be based on your body, your mind and your fitness goals and personal motivators.???Is your program updated regularly? Does the site have online exercise logs and do you receive email responses or postings that address your progress?If you are unhappy with the answers to these questions, or with the service of the site you have chosen, don?t hesitate to request a refund and seek out another more suitable online personal trainer.To experience the benefits of a personal trainer, virtual or otherwise, you must feel completely comfortable and confident in his or her ability to help you reach your health and fitness goals.

On average, hands-on personal trainers charge between $35 and $100 per hour, depending on the market. Their cyber counterparts are available at a fraction of the cost, with some charging as little as $10 per month.

Online training is also accessible to anyone with a computer and modem, making it possible for busy travelers or people in remote areas to have access to a personal trainer. This type of training is recommended primarily for intermediate and advanced exercisers or those with very specific goals such as training for a marathon or triathlon.

View the original article here

Source: http://allisonsapothecary.com/how-to-choose-an-online-personal-trainer/

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Is Private Equity Investing bad for the Economy? | Gather

?

There seems to be varied viewpoints as to whether Private Equity Investing is a good or bad influence on the economy. There is some evidence for both sides of the debate. Some say that the economic structure is strengthened by various types of private investing but others say that the economy suffers greatly from this type of investment.

Positive Impacts on the Economy

One of the goals for obtaining private equity investments is to help save a company that is struggling. Efraim Landa specializes in finding these types of companies or different types of private investing to help keep the company afloat. While the company realizes an immediate up swing, there are also some positive influences on the local economy. For instance, if a company is in jeopardy of closing a private equity firm can help prevent its closure. For the employee, this may mean preserving his job and this has a positive impact on the local economy. Some experts state that companies which are privately run perform much better than companies which are publically owned. A private equity group or firm will invest more than money into business. Most of the time, they will have members who sit on the company?s board to help hold the company that they are providing support for accountable. This can be a great protection for the company.

Before a company is selected to receive private equity funding it is evaluated thoroughly. The firm will only invest in a company which can benefit from their particular area of expertise and experience. As an example, Effi Enterprises invests in high tech companies to which they can bring their years of successful experience in that field. This allows them to provide consultants to enrich the business in which they have invested. The goal of private equity investing is to stay with a company for the long haul until the company improves to the point that it can be taken private or sold for a large profit. This has a positive influence on the economy by providing jobs and helping to stimulate money flow.

Negative Impacts on the Economy

Private equity is viewed as greedy by other people. Some experts believe that a private investing firm is essentially bad for a company if they encourage the company to take on more debt. A company that is already struggling can be overwhelmed by additional debts. It?s a very risky move for the already weak business.

One of the goals of private equity funds is to come in and provide counsel for how the company can be run more efficiently. Some will make many cuts to the number of workers needed to try to attempt this which can have a negative impact especially on the local economy. It also raises the national unemployment rate which is a negative indicator. A lot of times the public does not hear of the negative impacts unless it is large scale, these items are covered over. Private companies are not required to make financial reports public. However, public companies have to be transparent.

Some economic experts suggest that private equity has created its own group of very wealthy people. Many complain that those who have been made wealthy through this type of private investing do not have to pay regular taxes. The money made through investing incurs a much lower tax rate than other types of income. Many managers make their money through earning a percentage from the profits made when the company is sold or goes public. This is investment generated income and therefore subject to lower tax rates. Economists state that this has a negative impact on the economy because they avoid contributing to the tax fund which means the poor and economy classes are bearing the weight.

Varied Opinions

Some feel private equity is hard on the economy. Others feel that giving a struggling business economic help can establish them and boost the economy while saving jobs. Private investing can be a positive or negative impact on the economy based on the firm?s procedures and perspectives.

Please provide details below to help Gather review this content. If it is found to be inappropriate and in violation of the Gather Terms of Service, action will be taken.

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Source: http://sustainability.gather.com/viewArticle.action?articleId=281474981486644

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ProducersWeb - My Practice - Direct mail vs. email marketing ...

Whether you?re approaching potential clients with snail mail or email campaigns, it's important to remember that no matter the approach, you have a relatively engaged audience on the other end.

In my blog about a direct mail postcard I received recently from an insurance company, I argued that direct mail marketing is a dying trend. On the same day I posted it, a company called Mail Revolution launched its brand new website. I guess they beg to differ.

Mail Revolution, based in Amarillo, Texas, is a marketing company that specializes in direct mail. Their goal, says a PRWire press release, is to give business owners the ability to do entire mailings from their homes or offices. ?Mail Revolution?s target audience is small businesses that want to advertise with marketing materials, but do not have the budget to successfully do so,? says the press release.

I visited mailrevolution.com, where the company offers instant quotes for its brochure, postcard and other collateral services. I found that 1,000 5x7 full-color, double-sided postcards with glossy coating costs about $530.

That number is comparable to the approximately $556 per 1,000 letter-sized mailings that the Direct Marketing Association found to be the amount spent on direct marketing last year. An article on ChiefMarketer.com cites this report, which also concludes that while direct mail still generates the highest response rate of all other kinds of direct marketing, it falls short when it comes to return on investment.

Response rates, says the report, for letter-sized direct mail were just over three percent, as compared to the response rate for email marketing at 0.12 percent. The email?s ROI, though, was more than 28 percent, while the ROI for the direct mail was only 7 percent.

Why could that be?

Consider the postcard I wrote about yesterday. It was incredibly misleading. (I pointed out one critical flaw, and I?m hoping you?ll all comment and do the same.) A direct mail recipient might call the number on the postcard looking for more information, only to discover less than desirable numbers, or potentially even a scam.

While it?s less clear why email marketing is more successful in terms of ROI, my hunch is that the companies launching these e-marketing campaigns are social media savvy, and therefore have established, informative websites to which they can link potential customers. These websites likely link to other industry news and blogs, which ultimately give the reader resources to research the products available. An educated customer is much more likely to become a client than a novice answering an ambiguous postcard in his or her mailbox. Not to mention, most Web dealings (online ads, email marketing software, pay-per-click services, etc.) are much less expensive than those in print. Less money spent almost always equals a higher ROI.

My last significant takeaway from the Direct Marketing Association report is that financial emails had open rates of more than 30 percent. Not too shabby for email marketing.

Whether you?re approaching potential clients with snail mail or email campaigns, important to remember is that no matter the approach, you have a relatively engaged audience on the other end. Don?t spam them or send misleading information. Give them the facts- that?s what they?re looking for.

Source: http://www.producersweb.com/r/pwebmc/d/contentFocus/?pcID=cc4fb43aa9e0c0624af39a3acdc05f8a

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Gene Therapy Treatment OK, Says European Regulator

LONDON ? The European Medicines Agency is recommending the first-ever approval of a gene therapy treatment in the West.

The EMA said in a statement Friday that Glybera, made by Dutch company UniQure, should be approved as a treatment for a rare inherited disease that makes people unable to digest fat. The treatment consists of a gene that makes a protein to break down fat.

Gene therapy is an experimental technique that holds promise to cure diseases by replacing genes that don't work. It has never been approved in the EU or U.S.

The EMA previously rejected Glybera but reconsidered at the request of the European Commission. The agency is recommending approval under tough restriction.

Recommendations by the EMA are usually given final approval by the Commission.

Also on HuffPost:

Contribute to this Story:

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Source: http://www.huffingtonpost.com/2012/07/20/gene-therapy-treatment-glybera-approval_n_1689693.html

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Benefits Of Building Your Own Computer ? Computers | kkr-fans ...

Is it possible to produce a computer on your own? Can anybody do it? The remedy for the thoughts depends on your own passion and data you have meant for computer system. The reason being without knowing the fact that individual components work and even fit into an unit will be a mind-numbing task.

Family Treehouse: Building a Treehouse must rate as one of the best things to get the kids involved with a real project, something that will be a precious family time that will impress upon their imaginations for decades to come. As far as the parents are concerned it is just perfect to get to know their kids better and to show them some of the practical skills need to achieve something good. When the project is complete, then it is a place for not only the kids, but adults also to get together and spend some real valuable time ?chilling out?. For the children this is a real ?Tom Sawyer? experience, an adventure that can really exorcise their imaginations.

Gaming: If you are a big gamer than building a computer gives you a huge performance boost over that what you pay at a store. It will allow games to be played at higher frame rates at higher resolutions. This will makes look crisper and clearer when you play them which adds to the overall realistic look to the game.

Since the earliest IBM PC computers, consumers have had the option of putting together their own computer system from compatible components. In the earliest days, this offered a significant savings for consumers who were willing to buy third party parts from smaller manufacturers. Things have changed a lot since then, but there are still significant advantages to building a machine from parts rather than buying a pre-built system.

You have to obtain a computer that?s able to handle all of the fundamental and advanced needs latest games. Obtaining a custom made gaming computer is useful for you. You will find several benefits of having a custom build machine as in comparison to traditional option. The main benefit is you can have it built according to your particular gaming needs. For example, if you are looking at including certain kind of feature, specific speed, kind of graphics card, or perhaps a particular size hard disk, you?ll be able to get these via having your gaming computer custom build.

how to build a computer

It is up for debate whether it is okay to allow kids to play computer games in class that are not for learning purposes when there are free hours of the day such as at lunch or recess. Once kids are able to play online games during those times, that there is that chance it will try to sneak in gaming action during regular class sessions. This can cause a distraction for the entire class as well as for the teacher.

Most entry level computer careers require that the person has some knowledge before they are hired. They may have on the job training, but they want to know if they have the aptitude. This is why you will want to take the exam and get this certification under your belt. It will be your stepping stone towards higher levels of employment.

Assembling the hardware is what stumps most people. But in truth, its as easy as plugging in your cell phone for re-charging. Most computer parts are designed in such a way that they fit-in properly in just one way. The slots are notched differently, numbers of pins vary for different components, or theyre just color coded. So, as long as unnecessary force is not applied, it doesnt take too long to set it all up without breaking anything.

Building your own rig can an enjoyable experience. You will have to use your imagination . In terms of imagination you will have to get creative because in a computer there are many parts and specs. You will have to do some trial and error when matching up the components from different brands to come up with the PC of your dreams.

As I was nearing the end of the construction process, I was tempted to buy the seats and paddles, which is an option if you find yourself short of time. I chose to make my own caned seats and wood strip paddles. Building the paddles wasn?t too difficult or time-consuming, but caning the seats! Wow! That was a project all by itself. It took quite a bit of time, patience, and determination. But I get a good feeling knowing I built EVERY part of my canoe myself.

To build a budget computer you have to know where to cut corners. Staying a gamer, this is the highest priced portion of my notebook computer.

Source: http://kkr-fans-news-blog.com/benefits-of-building-your-own-computer-computers/

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Chinese police conclude activist hanged himself

BEIJING ?

Police concluded a Chinese activist found hanging in his hospital room committed suicide, dismissing allegations of foul play from his family and fellow activists who had used his death as a symbol of China's repression of government critics.

Li Wangyang's promotion of labor rights in central China had led to more than 20 years of prison or hard labor. He was released last year and was being treated at a hospital for heart disease, diabetes and other ailments when he died June 6.

Investigators found Li's fingerprints on the hospital window bar from which he was found hanging, said a police report released through the Hong Kong China News Agency late Thursday. It said an autopsy concluded Li's injuries were consistent with suicide and found no signs of bruising, organ damage or other evidence of struggle.

People seen in hospital surveillance video taken in the hall outside his room around the time of his death were all staff or other patients' visitors, said the Hunan Public Security Bureau report.

Relatives say the 62-year-old labor rights activist never talked about killing himself despite his prison time and illnesses. Supporters say it was suspicious Li was found hanging by his neck even though his feet touched the ground.

Li's brother-in-law, Zhao Baozhu, said last month Li had appeared normal over dinner the night before he died. Zhao didn't make any allegation as to who could have been behind Li's death.

Li had advocated for independent labor unions in Hunan province and was caught in the sweeping crackdown on all forms of dissent after the Tiananmen Square democracy protests were quashed in 1989. He was convicted of "counterrevolutionary propaganda and incitement" and spent much of his 11-year sentence doing hard labor. At times, he was held in solitary confinement and beaten so badly that he had to be hospitalized, according to Human Rights in China.

Li was subsequently sentenced to 10 years' imprisonment for inciting subversion after demanding government help for health problems caused by beatings and mistreatment in prison.

His death came two days after the 23rd anniversary of the June 4 Tiananmen crackdown and shortly before the 15th anniversary of Hong Kong's return to Beijing's control. Activists in the semiautonomous territory rallied strongly around Li's death, seeing him as a symbol of Chinese repression and a warning against allowing China to erode Hong Kong's civil liberties.

Hong Kong supporters wrote letters to Chinese President Hu Jintao demanding a thorough investigation into Li's death.

Activists in China voiced similar outrage on microblog sites, though Li's name was quickly blocked by government censors.

Calls to city officials and police departments in Hunan's Shaoyang city, where Li was found dead, rang unanswered Friday. The mobile phone of Li's brother-in-law was switched off.

Source: http://feeds.seattletimes.com/click.phdo?i=13eeca7a23acae50426be769ad17dacb

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Firm is spearheading opposition to Mojave Desert groundwater pumping

The company that wants to pump large amounts of Mojave Desert groundwater and sell it for a profit to Southern California suburbs has run into opposition from an unexpected quarter: an international corporation that runs industrial salt operations next door to the proposed project.

Texas-basedTetra Technologies Inc., an oil and gas services enterprise, has come out swinging atCadiz Inc.'s pumping plans, filing two lawsuits, mounting a public relations campaign and dismissing the water project's environmental review as a sham designed to escape serious scrutiny.

"There are so many games that they've played to make this thing 'work,' " said Robert Bower, a partner in the California law firm of Rutan & Tucker, which is representing Tetra.

---

FOR THE RECORD:
Water district: In an article in the July 13 LATExtra section about Tetra Technologies Inc.?s opposition to Cadiz Inc.?s desert groundwater pumping plans, the phrase ?Orange County Water District? was mistakenly capitalized. The intended reference was to an Orange County water district -- the Santa Margarita Water District in Orange County, previously mentioned in the article.

---

The company's combativeness has given a boost to conservationists and desert residents who are fighting the project, which would annually withdraw enough Mojave groundwater to supply 100,000 homes and sell it to urban Southern California at prices that could earn Cadiz $1 billion to $2 billion in revenue over a 50-year period.

The proposal, a long-held dream of British-born entrepreneur Keith Brackpool, has stirred concern that it would harm surrounding public lands and open California's desert aquifers, a public resource, to unprecedented water exports by private interests.

In Tetra, opponents have a deep-pocketed ally, a corporation with operations on six continents that is the world's largest producer of calcium chloride, a salt that is used in oil and gas production, water treatment, food processing and road maintenance ? and that has for a century been commercially extracted from the aquifer system Cadiz wants to tap.

Just south of Cadiz's proposed well field and 200 miles east of Los Angeles are several dry lakes, beneath which lie shallow reserves of calcium chloride-rich brine replenished by the groundwater flow. The lakes are the end point of the basin's subterranean drainage and when the groundwater collects there, it picks up salts from ancient lake bed sediments.

In 1998, Tetra bought a long-standing brine-mining operation on Bristol Dry Lake and a few years later purchased a similar one on nearby Cadiz Dry Lake. The operations are almost primitive in their simplicity. Brine is drawn from shallow depths and collected into solar evaporation ponds where it is reduced to a concentrated calcium chloride liquid that is pumped off, leaving sodium chloride, or common salt, which is also gathered and sold for industrial purposes.

The collision between Tetra and Cadiz lies in Cadiz's plans to divert groundwater to its wells before it reaches the dry lakes. Cadiz officials have made the diversion a major selling point of their project, which they are pitching as a "water conservation program" that would capture water that would otherwise naturally evaporate from the lake beds and "be wasted."

That is not the way Tetra sees it. "The groundwater migrating to the dry lakes has been used for decades?for the production of brine and commercial chemicals and the groundwater that does evaporate is beneficial to local ecosystems?Evaporation comes back as precipitation," Bower wrote in a recent letter to San Bernardino County supervisors.

Cadiz says that if necessary it would pay to drill deeper brine wells for Tetra and would also consider buying out the salt operations. "I've done everything I can and I continue to reach out," Cadiz general counsel and president Scott Slater said in an interview. "I'm puzzled as to why [Tetra's legal fight] is proceeding."

Tetra's Superior Court lawsuits, filed against San Bernardino County and the Santa Margarita Water District, also name Cadiz as a party. The actions challenge the project's review under state environmental law and an agreement Cadiz struck with the county that exempted the project from the county's groundwater ordinance while setting certain conditions on the pumping. Tetra argues that the county should have taken the lead in reviewing the project instead of the Orange County Water District, which has signed an option to buy the largest share of Cadiz water.

"Why could they possibly be the lead agency on a project that's going to extract San Bernardino [County] groundwater and send it to them as a customer?" Bower asked. "You think there may be a conflict of interest there?"

San Bernardino County spokesman David Wert called Tetra's legal action "misguided and without merit." The county has said previously that it retained authority over the pumping because Cadiz has agreed that its monitoring and management plan requires the final approval of the board of supervisors. But that accord has also been questioned by Tetra, which contends it effectively gives free rein to Cadiz.

Dan Ferons, the Santa Margarita Water District's new general manager, declined to comment on Tetra's legal challenge. But his predecessor, John Schatz, has said it was appropriate for the district to assume the lead in the environmental review. "We think as a public agency in the water business we can adequately assess the environmental impacts."

The district plans to release its final environmental impact report today and has scheduled a public hearing for July 25, when its board is expected to approve the project.

Tetra is not confining its fight to the courtroom. Working with other opponents, Bower's law firm set up a nonprofit opposition group that sent mailers to Santa Margarita district customers warning that the Cadiz project would send their water rates soaring. Bower also hired a public relations company that created an opposition website.

Cadiz in turn hired a public relations firm that set up a pro-project website. And, in a shot at the Sacramento- based public relations firm Tetra retained, the South Orange County Regional Chamber of Commerce sent a mailer to Santa Margarita customers warning that "Sacramento operatives" were trying to dictate the county's water future.

Not to be outdone, the Santa Margarita district sent a mailer of its own, denying that rates would skyrocket and saying that water otherwise lost to the "desert air" would be "collected and conserved."

bettina.boxall@latimes.com

Source: http://feeds.latimes.com/~r/latimes/news/science/~3/7hM6U2z3G5Y/la-me-cadiz-tetra-20120713,0,3066375.story

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Prominent mountaineer mourned in Britain

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Source: http://news.yahoo.com/prominent-mountaineer-mourned-britain-092904915.html

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Klipsch gets vibrant, intros S4i Rugged in-ear headphones

The last we saw some colorful headphones from Klipsch was when it introduced the purple Lou Reed X10i in-ears last holiday season. Just in time for the summer, the headphone maker is unleashing a rugged version of its S4i earbuds -- and in four vibrant finishes, no less (red, yellow, orange and blue). Although this water-resistant S4i variant seems practically identical to the S5i Rugged in-ears, we're told that internally they pack the same 8.5mm dual magnet drivers as their namesake. Naturally, the in-ears feature an iDevice-compatible inline remote / mic, but you'll merely get a basic case in place of the flashlight-equipped version reserved for the S5i. The S4i Ruggeds are set to go sale before the month's out, and best of all they're just priced at just $99. Hit up the press release after the break for more info in the meantime.

Continue reading Klipsch gets vibrant, intros S4i Rugged in-ear headphones

Klipsch gets vibrant, intros S4i Rugged in-ear headphones originally appeared on Engadget on Thu, 12 Jul 2012 06:22:00 EDT. Please see our terms for use of feeds.

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Source: http://feeds.engadget.com/~r/weblogsinc/engadget/~3/37ZmlUAvn4s/

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$825000 :: 3030 Childs RD, Lake Oswego OR, 97034 ? Lake ...

Posted by admin on Jul 11, 2012 in Blog

5 beds, 4 full, 1 part baths
Home size: 7,076 sq ft
Lot Size: 331,927 sq ft
Property Type: DETACHD
MLS Number: 12093498

Country living, Lake Oswego address. 7.62 acres! 2946 sf Master and living on main. 2404 sf lower level separate entrance could be In Law quarter. Private gated estate with big pond and excellent views. Granite, stainless, hardwoods, shop/detached garage.

Listed with Residential Realtors NW LLC

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Full Text and Video: Obama's Speech On Tax Cut Extension

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The White House released the full text of President Obama's speech on tax cuts. Here's the transcript:

Thank you. (Applause.) Thank you very much. Everybody, have a seat. Have a seat. Good afternoon, everybody. I?m glad things have cooled off a little bit. I know folks were hot. (Laughter.)

We?re here today to talk about taxes -- something that everybody obviously cares deeply about. And I?ve often said that our biggest challenge right now isn?t just to reclaim all the jobs that we lost to the recession -- it?s to reclaim the security that so many middle-class Americans have lost over the past decade. Our core mission as an administration and as a country has to be, yes, putting people back to work, but also rebuilding an economy where that work pays off -- an economy in which everybody can have the confidence that if you work hard, you can get ahead.

What?s holding us back from meeting these challenges, it?s not a lack of plans, it?s not a lack of ideas -- it is a stalemate in this town, in Washington, between two very different views about which direction we should go in as a country. And nowhere is that stalemate more pronounced than on the issue of taxes.

Many members of the other party believe that prosperity comes from the top down, so that if we spend trillions more on tax cuts for the wealthiest Americans, that that will somehow unleash jobs and economic growth.

I disagree. I think they?re wrong. I believe our prosperity has always come from an economy that?s built on a strong and growing middle class -- one that can afford to buy the products that our businesses sell; a middle class that can own homes, and send their kids to college, and save enough to retire on. That?s why I?ve cut middle-class taxes every year that I?ve been President -- by $3,600 for the typical middle-class family. Let me repeat: Since I?ve been in office, we?ve cut taxes for the typical middle-class family by $3,600. (Applause.)

I wanted to repeat that because sometimes there?s a little misinformation out there -- (laughter) -- and folks get confused about it.

Moreover, we?ve tried it their way. It didn?t work. At the beginning of the last decade, Congress passed trillions of dollars in tax cuts that benefited the wealthiest Americans more than anybody else. And we were told that it would lead to more jobs and higher incomes for everybody, and that prosperity would start at the top but then trickle down.

And what happened? The wealthy got wealthier, but most Americans struggled. Instead of creating more jobs, we had the slowest job growth in half a century. Instead of widespread prosperity, the typical family saw its income fall. And in just a few years, we went from record surpluses under Bill Clinton to record deficits that we are now still struggling to pay off today.

So we don?t need more top-down economics. We?ve tried that theory. We?ve seen what happens. We can?t afford to go back to it. We need policies that grow and strengthen the middle class -- policies that help create jobs, that make education and training more affordable, that encourage businesses to start up and create jobs right here in the United States.

So that?s why I believe it?s time to let the tax cuts for the wealthiest Americans -- folks like myself -- to expire. (Applause.) And, by the way, I might feel differently -- because it?s not like I like to pay taxes -- (laughter) -- I might feel differently if we were still in surplus. But we?ve got this huge deficit, and everybody agrees that we need to do something about these deficits and these debts. So the money we?re spending on these tax cuts for the wealthy is a major driver of our deficit, a major contributor to our deficit, costing us a trillion dollars over the next decade.

By the way, these tax cuts for the wealthiest Americans are also the tax cuts that are least likely to promote growth. So we can?t afford to keep that up, not right now. So I?m not proposing anything radical here. I just believe that anybody making over $250,000 a year should go back to the income tax rates we were paying under Bill Clinton -- back when our economy created nearly 23 million new jobs, the biggest budget surplus in history, and plenty of millionaires to boot.

And this is not just my opinion. The American people are with me on this. Poll after poll shows that?s the case. And there are plenty of patriotic and very successful, very wealthy Americans who also agree, because they know that by making that kind of contribution, they?re making the country as a whole stronger.

At the same time, most people agree that we should not raise taxes on middle-class families or small businesses -- not when so many folks are just trying to get by. Not when so many folks are still digging themselves out of the hole that was created by this Great Recession that we had, and at a time when the recovery is still fragile. And that?s why I?m calling on Congress to extend the tax cuts for the 98 percent of Americans who make less than $250,000 for another year. (Applause.)

If Congress doesn?t do this, millions of American families -- including these good-looking people behind me -- (laughter) -- could see their taxes go up by $2,200 starting on January 1st of next year. And that would be a big blow to working families, and it would be a drag on the entire economy.

Now, we can already anticipate -- we know what those who are opposed to letting the high-end tax cuts expire will say. They?ll say that we can?t tax ?job creators.? And they'll try to explain how this would be bad for small businesses.

Let me tell you, the folks who create most new jobs in America are America?s small business owners. And I've cut taxes for small business owners 18 times since I've been in office. (Applause.) I?ve also asked Congress repeatedly to pass new tax cuts for entrepreneurs who hired new workers and raised their workers? wages.

But here's the thing that you have to remember. The proposal I make today would extend these tax cuts for 97 percent of all small business owners in America. In other words, 97 percent of small businesses fall under the $250,000 threshold. (Applause.) So this isn?t about taxing job creators, this is about helping job creators. I want to give them relief. I want to give those 97 percent a sense of permanence.

I believe we should be able to come together and get this done. While I disagree on extending tax cuts for the wealthy, because we just can?t afford them, I recognize that not everybody agrees with me on this. On the other hand, we all say we agree that we should extend the tax cuts for 98 percent of the American people. Everybody says that. The Republicans say they don't want to raise taxes on the middle class. I don't want to raise taxes on the middle class.

So we should all agree to extend the tax cuts for the middle class. Let's agree to do what we agree on. Right? (Applause.) That?s what compromise is all about. Let?s not hold the vast majority of Americans and our entire economy hostage while we debate the merits of another tax cut for the wealthy. We can have that debate. (Applause.) We can have that debate, but let's not hold up working on the thing that we already agree on.

In many ways, the fate of the tax cut for the wealthiest Americans will be decided by the outcome of the next election. My opponent will fight to keep them in place. I will fight to end them. But that argument shouldn?t threaten you. It shouldn?t threaten the 98 percent of Americans who just want to know that their taxes won?t go up next year.

Middle-class families and small business owners, they deserve that guarantee. They deserve that certainty. It will be good for the economy and it will be good for you. And we should give you that certainty now. We should do it now. It will be good for you. It will be good for the economy as a whole. (Applause.)

So my message to Congress is this: Pass a bill extending the tax cuts for the middle class; I will sign it tomorrow. Pass it next week; I?ll sign it next week. Pass it next -- well, you get the idea. (Laughter.)

As soon as that gets done, we can continue to have a debate about whether it?s a good idea to also extend the tax cuts for the wealthiest Americans. I?ll have one position. The other side will have another. And we?ll have that debate, and the American people can listen to that debate.

And then next year, once the election is over, things have calmed down a little bit, based on what the American people have said and how they?ve spoken during that election, we?ll be in a good position to decide how to reform our entire tax code in a simple way that lowers rates and helps our economy grow, and brings down our deficit -- because that?s something that we?re going to have to do for the long term.

But right now, our top priority has to be giving middle-class families and small businesses the security they deserve. You?re the ones who are driving this recovery forward. (Applause.) You?re the ones who are driving this recovery forward, and I think it?s time to widen the circle of opportunity and help more Americans who work hard to get ahead. It?s time that we learned the lessons of our past and lay the foundation for a better future. That?s what I?m focused on every day, and I hope Congress will join me in doing the right thing.

So thank you very much, you all, for being here. Thank you. (Applause.)

Source: http://news.yahoo.com/full-text-video-obamas-speech-tax-cut-extension-145401015.html

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