We've heard a rumor that Shutterfly, the photo and personal publishing company founded in 1999, is set to acquire online photo sharing and storage startup ThisLife. We're hearing the acquisition price is around $25 million.Source: http://feedproxy.google.com/~r/Techcrunch/~3/QUNqHZY2f78/
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Google Play's magazine subscriptions have always, sadly, existed separate from a publications print offerings. Meaning, even if you already had the paper edition of Beer Advocate delivered to your home, you still had to cough up for the digital version. That's finally changed, however, which should make many magazine hounds quite happy. Now when you select a new periodical, you'll be offered the standard monthly and yearly subscription options, along with the new "free for print subscribers." You'll need to verify your subscription before Google will allow you to download issues, but that's one less barrier to entry for those looking to dip their toes in the digital magazine pool. For a bit more info check out the source link.
Filed under: Software, Mobile, Google
Via: Droid Life
Source: Google
Source: http://feeds.engadget.com/~r/weblogsinc/engadget/~3/xtpJiQkXAg4/
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Can you hear that? That's the calm before the storm. The fiery, relentless, gadgety storm that is CES. While we wait to see what what mobile delights the show brings us, we've a few things already in the bag to discuss. So bring in the garden furniture, baton down the hatches and tune in to this week's mobile podcast.
Hosts: Myriam Joire (tnkgrl), Brad Molen
Producer: James Trew
Music: Tycho - Coastal Brake (Ghostly International)
Hear the podcast
Continue reading Engadget Mobile Podcast 163 - 1.2.2013
Source: http://feeds.engadget.com/~r/weblogsinc/engadget/~3/DQJh3Du-wdM/
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Schaumburg, Ill., Dec. 04, 2012 - Experian Automotive today announced that Toyota grabbed top honors in Q3 2012, claiming 14.09 percent of all new vehicles financed. Ford was second with 13.16 percent, and Chevrolet was third with 11.10 percent. Findings from its Q3 State of the Automotive Finance Market analysis showed market share for nonprime, subprime and deep-subprime automotive loans for new vehicles grew by 13.6 percent and new vehicle leasing grew by 7.53 percent year over year.
The analysis found that loans financed for new vehicles to customers with nonprime, subprime or deep-subprime credit ratings increased to 24.84 percent in Q3 2012 from 21.87 in Q3 2011. For used vehicles, the total subprime financing market increased 5.47 percent year over year to 54.43 percent in Q3 2012, up from 51.60 percent in Q3 2011.
"With leasing showing a continued upward trend, and lenders increasing their appetite for risk, consumers were in a good position to obtain a vehicle during Q3," said Melinda Zabritski, director of automotive credit at Experian Automotive. "Expanding loans to lower-risk tiers opens the market for more car shoppers, while an increase in leasing means it is easier for consumers to get more vehicle for a lower monthly payment. Both of these trends are positive signs of a strong and recovering auto finance market, which ultimately benefits the consumer and the entire auto industry."
Percentage of new vehicles financed in Q3 2012 by make
Make
Percentage
Toyota
14.09%
Ford
13.16%
Chevrolet
11.10%
Honda
10.20%
Nissan
8.28%
Hyundai
6.06%
Kia
5.32%
Jeep
4.20%
Dodge
3.21%
Volkswagen
2.85%
Findings from the report showed that lenders still are more risk averse than they were prior to the Great Recession. In Q3 2007, the average credit score for a new vehicle loan was 749, compared with 755 in Q3 2012.
The analysis also included information on the average credit scores by make for new vehicle loans financed in Q3 2012. Consumers who financed a Volvo comprised the highest average credit scores (818), while those who purchased a Mitsubishi made up the lowest average credit scores (694).
Top-scoring new loans by make
Make
Score
Volvo
818
Lexus
816
Acura
813
Audi
810
Infiniti
810
Jaguar
810
Porsche
810
Land Rover
802
Mercedes
802
Lincoln
801
Lowest-scoring new loans by make
Make
Score
Mitsubishi
694
Suzuki
704
Dodge
718
Kia
721
Scion
723
Nissan
726
Chevrolet
737
Chrysler
737
Ram
737
Fiat
741
In other findings:
? Average consumer credit scores for loans on new vehicles fell by eight points, from 763 in Q3 2011 to 755 in Q3 2012. For used vehicles, the average consumer credit scores fell by eight points, from 676 in Q3 2011 to 668 in Q3 2012.
? Credit unions and finance companies showed strong market share growth of 4.5 percent for overall automotive loans. Credit unions now have 18.22 percent of the overall automotive loan market, while finance companies grew to 13.29 percent.
? Banks still have the highest market share at 40.98 percent, but they had a market share decline of 2.9 percent from Q3 2011 to Q3 2012.
? The average amount financed for a new vehicle loan grew from $25,873 in Q3 2011 to $25,963 in Q3 2012.
? The average amount financed for a used vehicle grew from $17,359 in Q3 2011 to $17,577 in Q3 2012.
? Thirty-day delinquencies fell from 2.78 percent in Q3 2011 to 2.67 percent in Q3 2012, marking the second consecutive year that third quarter 30-day delinquencies stayed below the prerecession level of 2.81 percent from Q3 2007.
? Sixty-day delinquencies fell from 0.71 percent in Q3 2011 to 0.69 percent in Q3 2012. This marked the second consecutive year that third quarter 60-day delinquencies stayed below the prerecession level of 0.74 percent from Q3 2007.
? Quarterly repossession rates fell from 0.62 percent in Q3 2011 to 0.40 percent in Q3 2012.
? Quarterly repossession rates for banks, credit unions, captives and finance companies all fell, with finance companies showing the sharpest decline, dropping from 2.36 percent in Q3 2011 to 1.18 percent in Q3 2012.
? Overall charge-off amounts rose from $6,820 in Q3 2011 to $7,026 in Q3 2012.
Experian Automotive's quarterly credit trend analysis features market reporting data and analysis from its AutoCount? Risk Report, which analyzes automotive lending markets based on a uniform measurement of credit quality that segments markets by geography, credit score and vehicle registrations, among other factors. It also incorporates data from the Experian?Oliver Wyman Market Intelligence Reports, which provide topical, quarterly analysis; peer benchmarking options; and commentary on key issues facing the financial services industry.
About Experian Automotive
Experian Automotive provides information services and market intelligence that enables results-driven professionals to gain the fullest possible understanding of the market, the vehicles and the people who buy them. Its North American Vehicle DatabaseSM houses data on nearly 700 million vehicles and, when combined with Experian's credit, consumer and business information, provides an integrated perspective into the automotive marketplace. Experian Automotive's AutoCheck? vehicle history reports provide dealers and consumers with in-depth information, allowing them to confidently understand, compare and select the right vehicles. For more information on Experian Automotive and its suite of services, visit our Website at http://www.ExperianAutomotive.com.
About Experian
Experian? is the leading global information services company, providing data and analytical tools to clients around the world. The Group helps businesses to manage credit risk, prevent fraud, target marketing offers and automate decision making. Experian also helps individuals to check their credit report and credit score, and protect against identity theft.
Experian plc is listed on the London Stock Exchange (EXPN) and is a constituent of the FTSE 100 index. Total revenue for the year ended March 31, 2012, was $4.5 billion. Experian employs approximately 17,000 people in 44 countries and has its corporate headquarters in Dublin, Ireland, with operational headquarters in Nottingham, UK; California, US; and S?o Paulo, Brazil.
Source: http://www.autoblog.com/2013/01/02/volvo-buyers-have-best-credit-scores-among-all-auto-shoppers/
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The planet we live in is growing increasingly fast-paced, stressful, and full of duty. For this reason, absolutely everyone demands some time to unwind and have some recreation. Our contemporary way of existence also tends to be sedentary, and also the meals we eat are usually not quite balanced. Workout is an essential element in renewing us. For these reasons, sports activities recreation actions are some of the most effective recreation we are able to choose. There are many alternatives for hobbies to supply sports activities recreation. You might even desire to discover some new recreational sports capabilities.
Courses to discover new sports activities recreation expertise may be found on the internet and in more substantial cities. You?ll be able to learn and participate in team sports activities via the local Y and other organizations. Team sports activities recreation actions you may like to participate in incorporate softball, baseball, basketball, and at times soccer for younger individuals. An additional group sport you might appreciate is bowling. No matter your ability degree you can find a bowling team to have fun with.
Person sports activities recreation actions you?ll be able to find out and take part in include golf, tennis, running, aerobic dance, gymnastics, and horseback riding. Don?t overlook bicycling and weight training as well. A lot of of those sports might be learned in the regional Y as well. For a few of these, you will desire to have an A.J. Green jerseypal to play against or share the exerience with. Many runners, for example, prefer to run with a buddy. And games like tennis and handball actually need to have cooperation for greatest benefits.
If you?d rather, you can learn about sports recreation skills on the internet. You can find courses to teach virtually any sport or activity you are able to feel of including underwater hockey, fly-fishing, and para-gliding in the Alps! Obviously, unless you will get some hands-on experience you?ll only have the theories with the sport. Nevertheless, online courses are a great approach to obtain a taste of distinct sports and recreational activities you might someday want to try out.
A genuinely fun sports recreation game you may get an Andy Dalton jersey likelihood to play is ping pong. Ping pong, or table tennis as it is sometimes called, is played on a table with rubber coated paddles and incredibly lightweight plastic balls. You need to hit the ball together with your paddle so that it strikes the table and clears the net prior to your opponent strikes it and bounces it back to you. A single approach to Andy Dalton jerseygrow to be far more adept at ping pong and boost your opportunity of winning would be to occasionally hit the ball more difficult than at other instances. This keeps your opponent guessing what you will do up coming.
Sports recreation actions are a great approach to get exercising and relieve anxiety. They?re also a great deal of entertaining. Regardless of whether with friends or alone, absolutely everyone needs a favorite sports recreation to take component in.
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Quite honestly, I was expecting a huge dropoff in the?Bonaire GA real estate market in December, and although sales were down, the overall market performed well.? Despite the weather and the holiday season, serious buyers took the time to check out the?available homes, and purchased a property when the buying?conditions were right.
There were 12?homes sold (down) but the average sales price was $187K+ (up) and the sales price to list price ratio was 99.31% (up).??These were good indicators that sold homes?kept their value and went for nearly full price.
How can both buyers and sellers gain an advantage in the Bonaire Real Estate market?? Employ the services of a local Bonaire Real Estate Agent who knows and understands the Bonaire real estate market.

Currently, the Bonaire real estate market is slanted towards buyers with just over 10 months of available inventory (122 homes) to choose from.? Overall, the 2012 Bonaire real estate averages are as follows:
For a complete list of available Bonaire Real Estate, visit Homes for Sale in Bonaire GA.? Make sure and subscribe to my newsletter so you do not miss another Bonaire real estate deal.
Call me at (478) 960-8055 to find out what your Bonaire GA home is worth or so we can discuss your housing needs.
Statistics represent non-foreclosure single family homes and townhouses in Bonaire GA (Source: CGMLS).? Information is deemed reliable, but not guaranteed.
?
Source: http://sellingwarnerrobins.com/2013/01/bonaire-ga-real-estate-market-report-december-2012/
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Dec 29 (Reuters) - A divided federal appeals court has temporarily barred the U.S. government from requiring an Illinois company to obtain insurance coverage for contraceptives, as required under the 2010 healthcare overhaul, after the owners objected on religious grounds.
More than 40 lawsuits are challenging a requirement in the Patient Protection and Affordable Care Act that requires most for-profit companies to offer workers insurance coverage for contraceptive drugs and devices and other birth control methods.
Friday's 2-1 order by a panel of the 7th U.S. Circuit Court of Appeals in Chicago in favor of Cyril and Jane Korte was the first by a federal appeals court to temporarily halt enforcement against people who said it violated their faith, said Edward White, a lawyer for the Roman Catholic couple.
It came two days after U.S. Supreme Court Justice Sonia Sotomayor declined to block the provision's enforcement against companies controlled by the family of Oklahoma City billionaire David Green.
The U.S. Department of Justice, which had defended the contraceptives provision, did not immediately respond on Saturday to a request for comment.
The Kortes, who own the construction firm Korte & Luitjohan Contractors, had sought to drop a health insurance plan for 20 non-unionized workers that included coverage for contraception, and substitute a different plan consistent with their faith.
But the Obama administration's healthcare law did not allow the change, and the Kortes said that violated the First Amendment to the U.S. Constitution and the federal Religious Freedom Restoration Act, or RFRA.
In issuing an injunction, the 7th Circuit majority said the Kortes had established a reasonable likelihood of success on the merits of their RFRA claim, and that the government had not yet justified the apparent "substantial burden" on their religious exercise.
The court also said the couple had established irreparable harm, because absent an injunction they would have to choose between maintaining insurance coverage they considered inappropriate or facing substantial financial penalties.
"Business owners who are objecting to the mandate are not objecting to people using contraceptives, but that they have to arrange for and pay for it," White, a lawyer with the American Center for Law and Justice, said in a phone interview. "The federal government shouldn't tell business owners they have to contract to buy what they see as immoral services and goods."
Judges Joel Flaum and Diane Sykes comprised the 7th Circuit majority.
Judge Ilana Rovner dissented. She said the Kortes were "multiple steps" removed from the contraceptives services because it was their company paying for the coverage, and because it would be a worker, her doctor and the insurer involved in the decisions about the services and their funding.
The Kortes' case is expected to continue in the 7th Circuit.
Neither the 7th Circuit nor Sotomayor ruled on the merits of their respective cases. The legal standard for obtaining an injunction from the Supreme Court is much higher.
The case is Korte et al v. Sebelius, 7th U.S. Circuit Court of Appeals, No. 12-3841.
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Knoxville, TN (PRWEB) December 18, 2012
With the new year fast approaching, many women are trying to refresh their lives and are making resolutions for a happier, healthier 2013. For women with mental health or substance abuse issues, however, long-ignored roadblocks can impede achievement of a healthy start. Family, friend, fitness and finance goals are difficult to focus on when women are facing medical or legal troubles.
Women with mood disorders or substance abuse issues may have important legal issues that require immediate attention. Mood disorders often lead to legal repercussions; for example, women with bipolar disorder may take on excessive financial burdens, face discrimination at work or experience arrest. Women with mood disorders may also face legal issues regarding the effects of violence, divorce or substance abuse.
Brookhaven Retreat teaches women in its residential treatment facility various ways of coping with mood disorders and protecting their futures so that mental health issues do not prevent them from living full and safe lives. Only then can women focus on creating a happy new year. Once medical safety has been assured, women learn to protect their future, possessions, families and medical health with a variety of legal options. Key options Brookhaven Retreat teaches women in its program include:
Have a Lawyer: Women with mental health issues should have a lawyer who is familiar with their medical history and directions should something occur. Should women face discrimination or require hospitalization, this lawyer would serve as a contact for placing protective measures into effect.
Create Advanced Directives: Advanced directives serve to communicate preferences for mental health treatment if women are unable to give consent themselves. Because mental health issues may crop up unexpectedly, these legal documents specify the care women wish to receive and the types of treatment and medication they do not wish to be given. Advanced directives should be part of a womans medical record. Her doctors and health care proxy should be given copies so that, should she be admitted to a mental health facility, her specific instructions are easily accessible.
Power of Attorney: Women with mood disorders can be resistant about continuing necessary medication. Giving a trusted loved one or family member power of attorney grants them the ability to admit a woman to a psychiatric facility should she display symptoms dangerous to her well-being. This is especially important for women complying with terms of probation who may resist taking necessary precautions.
It is important that women with mental health issues consider the resources required for long-term emotional recovery. Often these resources should include legal support.
Brookhaven Retreat teaches the women in its residential treatment facility that when focusing on a path to happiness, they need to create a plan to prevent future consequences and protect the lives they are creating. Familiarity with the legal system and familiarity with a lawyer both help safeguard long-term wellness.
About Brookhaven Retreat
Brookhaven Retreat is a women?s treatment center nestled on a naturally beautiful 48-acre site secluded in the foothills of the Great Smoky Mountains. It has helped hundreds of women across the United States overcome depression, trauma, anxiety, substance use and a range of other behavioral health challenges. Brookhavens Founder, Jacqueline Dawes, has predicated its gender-specific treatment on healing emotional breakage for women. In this way, she has established a sanctuary and a place where women can feel safe, secure and cared for by a staff of highly trained professionals.
Source: http://directory-net.com/lawyer/2012/12/30/brookhaven-retreat-helps-women-prepare-legal-plans-for-mental-health-recovery-in-the-new-year/
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Source: http://lucasadams24.blogspot.com/2012/12/brookhaven-retreat-helps-women-prepare.html
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This Friday, Dec. 28,2012 photo Kaylee Feight talks about the impact of a minimum wage increase on her job at Quiznos in Helena, Mont. Montana's minimum wage workers are getting a small pay raise on New Year's Day when an automatic cost-of-living increase takes effect. (AP photo/Matt Gouras)
This Friday, Dec. 28,2012 photo Kaylee Feight talks about the impact of a minimum wage increase on her job at Quiznos in Helena, Mont. Montana's minimum wage workers are getting a small pay raise on New Year's Day when an automatic cost-of-living increase takes effect. (AP photo/Matt Gouras)
OLYMPIA, Wash. (AP) ? With a bump in the Washington state minimum wage to $9.19 an hour, high school student Miranda Olson will edge closer to her goal of buying the black Volkswagen Beetle she's been researching online.
Olson is only able to pick up part-time hours working at a cafe after classes and on weekends. But the extra pennies she'll earn in 2013 will add up over the coming weeks and months.
"It's not much, but it's something," said Olson, 16, who works at Wagner's European Bakery and Cafe in Olympia. "Every bit helps."
Many workers around the country won't be as lucky as residents of Washington state, which is raising its minimum wage Tuesday by 15 cents an hour even though it already has the highest state baseline in the country.
Minimum-wage workers in Idaho will make nearly $2 an hour less in 2013 than their counterparts living just one state to the west.
Automatic increases designed to compensate for inflation have steadily pushed up wages in some states, even through the recession, expanding the pay gap between areas that make annual adjustments and those that don't. Of the 10 states that will increase the minimum wage Tuesday, nine did so automatically to adjust for inflation.
Rhode Island lawmakers approved that state's wage increase in the past year.
Paul Sonn, legal co-director at the National Employment Law Project, said he hopes more states will start looking at automatic adjustments as the economy recovers. He said the model ? which Washington state adopted in 1998 ? helps avoid sudden jolts as states try to catch up with each other.
"We think there's a case that it's better for everyone, including the business community, to have predictable, regular, small increases every year," Sonn said.
The automatic adjustments aren't much. Washington's bump will mean those who work 40-hour weeks will earn an extra $6 a week ? enough for a couple lattes ? or about $300 a year.
Hundreds of thousands of workers are expected to get a pay increase with the wage adjustments that begin New Year's Day. Along with Washington and Rhode Island, the changes will occur in Arizona, Colorado, Florida, Missouri, Montana, Ohio, Oregon and Vermont.
Among the nine states with automatic adjustments, the average minimum wage is $8.12 an hour, up from a little under $8. States that do not have automatic changes operate with an average minimum wage of about $7.40 ? a difference of about $1,500 a year for a full-time worker.
Many states, including Idaho, follow the federal minimum wage of $7.25 an hour, either because they've tied their minimum wage to that threshold or because the state-enacted minimum is lower than that.
San Francisco has set the highest local minimum wage and will have workers paid at least $10.55 an hour in 2013.
Groups such as the National Restaurant Association oppose further increases in federal or state minimum wages, arguing that it's an ineffective way to reduce poverty and forces business owners to cut hours, raise prices or lay off workers.
At Tom's 1st Avenue Bento, a downtown Portland lunch spot, owner Tom Hume said he boosted pay for minimum-wage workers before the end of the year in order to get ahead of the game. He also raised prices on one-third of his menu items by 25 cents.
Natasha Baker, 22, who works at Hume's restaurant in Portland, recently moved back in with her mother but hopes to move to another apartment in January. She said the extra $5 or $6 she's earning every week with the salary boost is OK but won't make a huge difference.
"I don't usually look at what I get paid," she said. "I'm more directed on what's being taken out, which is more discouraging than anything."
In Montpelier, Vt., restaurant owner Irene Facciolo said she supported the 14-cents-an-hour increase in the minimum wage for her employees. She said the move from $8.46 to $8.60 an hour wasn't much.
"We don't have a problem with it at all," Facciolo said.
___
AP Writers Steven Dubois in Portland, Ore., and Dave Gram in Montpelier, Vt., contributed to this report. AP Writer Mike Baker can be reached on Facebook: http://on.fb.me/HiPpEV
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