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Crystals Feng Shui Bedroom | HouseofFengShui ? oumtatovs Space ?

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In the bedroom

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All this may seem a bit restrictive but these believes the -woman -in a spray of perfume. In addition black and dark line package also violate a taboo.

Source: http://houseoffengshui.net/crystals-feng-shui-bedroom/

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Source: http://farrahjhonson.blogspot.com/2012/12/crystals-feng-shui-bedroom.html

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Remains of the Day: Take a Look at Your New Facebook Privacy Settings

Remains of the Day: Take a Look at Your New Facebook Privacy SettingsFacebook changes it's privacy settings, the first OS X fake installer malware is caught in the wild, Amazon launches Facebook integration, and Find My iPhone now gives driving directions to your lost device.

  • Facebook Changes Privacy Settings, Again Facebook's privacy settings are once again changing, for better and for worse. The good part: New Privacy Shortcuts allow users to change who can see what they post and who can contact them. There's also a one button block feature for people you don't want to interact with. Tweaks to the Activity Log also allow further control of what's on your timeline. Less good: The toggle that allows you to omit your profile from Facebook searches is being removed. [NYTimes Bits Blog]
  • First OS X Fake Installer Malware Spotted, as SMS Scams are Ported from Windows and Android to Mac A Trojan that masquerades as an installer for legitimate software has surfaced?the first of its kind on Mac OS X. It works by phishing for your phone number to complete the installation process, often claiming that it will send you a code via SMS for "activation." Afterwards, you'll be charged a subscription fee debited to your mobile phone account on a regular basis. [The Next Web]
  • Amazon Integrates With Facebook to Launch Social Gifting Feature You can now connect your Facebook account to Amazon and see your friends' birthdays and wishlists. For those who don't want to link their accounts, you can also manually add friends and receive e-mail reminders for birthdays and anniversaries. [Mashable]
  • Apple's Find My iPhone App Gets Driving Directions An update to the Find My iPhone App will show your phone's location as a point of interest within Apple's maps software. Tapping on its location will then give you directions to its location. Of course, you will need another iOS device in order to take advantage of the feature, but it's not entirely self-defeating?tracking your iPhone through iCloud will deliver the same result via Google Maps. [CNET]
  • Per-window Private Browsing in Nightly Mozilla has reworked Firefox's Private Browsing feature. Now in beta over at Firefox Nightly, the next Firefox update will allow you to open up a private browsing window without closing your current session. [Firefox Blog]

Photo by photastic (Shutterstock), a2bb5s (Shutterstock), and Feng Yu (Shutterstock).

Source: http://feeds.gawker.com/~r/lifehacker/full/~3/TlPRKoFJQKw/remains-of-the-day-take-a-look-at-your-new-facebook-privacy-settings

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Do You Know More Ways For Wealth Building? Let This Article Tell ...

When we are young, it usually sounds a bit unbelievable when someone we know or even an outsider comes to discuss with us about creating wealth for the future. We always believe that before old age that we are going to take care of all eventualities that will occur and eventually provide for the future.

Manifesting wealth with your mind is critical in attaining abundance. If you think like a poor person, you will become or remain that way. If you think like someone who knows wealth and who has experienced wealth, then your chances of acquiring riches are magnified ten times over. It?s all about mind over matter. What you think about most of the time will be reflected in what actually happens to you. So if you want to manifest wealth, think in those terms and see the magic happen. After careful research, we have found out that the best wealth creating strategy that most billionaires dead or alive have applied was to start their own businesses. Now, when we talk about creating wealth, it is possible to start wondering where to start creating such magnitude of wealth we are talking about even when the prospective wealth creator does not have any money to start the smallest type of business. This brings us to the reality on ground: what type of business can one actually start with very little budget and still have the hope of making it big in the future.

Remember that the level of your progress depends largely on your zeal, doggedness and the ability to say no to numerous failures and disappointments that will come across your way on the route to creating wealth. If you know more about wealth building, we welcome you to tell us through dedicated servers or buy domain name in domain shop. This topic will appeal to many persons.

Source: http://blog-finance-bankruptcy.mysurechoice.com/3698/do-you-know-more-ways-for-wealth-building-let-this-article-tell-you/

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Russian premier jokes about secret files on aliens

El primer ministro ruso Dimitri Medvedev en una entrevista con el canal Ostankino TV Center, el viernes 7 de diciembre de 2012, en Mosc?. (Foto AP/RIA Novosti, Dmitry Astakhov, Servicio de prensa del gobierno de Rusia)

El primer ministro ruso Dimitri Medvedev en una entrevista con el canal Ostankino TV Center, el viernes 7 de diciembre de 2012, en Mosc?. (Foto AP/RIA Novosti, Dmitry Astakhov, Servicio de prensa del gobierno de Rusia)

(AP) ? "Men in Black" agents K and J may be about to recruit a new Russian assistant: Prime Minister Dmitry Medvedev.

Medvedev has spoken about top secret files on aliens that may have landed in Russia.

In footage recorded Friday after a television interview, the former president joked that each Russian leader gets two folders with information about extraterrestrials that visited our planet ? and stayed here.

Unseen on camera footage, he is heard telling a Ren TV journalist he could not tell "how many of them are among us, because it may cause panic." He said more details could be found in Barry Sonnenfeld's "Men in Black" films.

During his 2008-2012 presidency, Medvedev showed a sense of humor slightly more subtle than Putin's sometimes brutal jokes.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/aa9398e6757a46fa93ed5dea7bd3729e/Article_2012-12-08-EU-ODD-Russia-Medvedev's-Aliens/id-ebd6f7b70881489eb4104f15f7a94d34

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San Francisco Pier 39 Has Strongest Sales Year In History, Expects $200 Million By Year's End (PHOTOS)

Things seem to be looking up for California's economy (or at least the tourism industry), and one local landmark may be leading the charge.

According to the San Francisco Business Times, popular tourist destination Pier 39 hit $170 million in revenue in September, the highest number in the pier's 34-year history.

The figure is a 13.4 percent increase from last year alone, and the pier expects to reach $200 million in sales by the end of the year.

"It's an all-time record," pier president and CEO Taylor Stafford told the Business Times. (For details on just how Pier 39 did it, check out the story here.)

Though San Francisco was hardly spared by the recent nationwide recession, the city has arguably fared better than others.

"We've been very, very fortunate in San Francisco," said Assessor-Recorder Phil Ting about the city's real estate market, which was named the strongest in the state last year.

This year, San Francisco was named the most expensive city in America.

The recent news in the Business Times got us thinking about the sometimes-overlooked Pier 39 and a few of its lesser-known charms. Check out the slideshow below for a few of our editor's favorite stops. And congrats Pier 39! Here's to 2013.

  • Pier 39 Sea Lions

  • Forbes Island

  • Magowan's Infinite Mirror Maze

  • Hana Zen

  • Aquarium of the Bay

  • Players Sports Grill and Arcade

  • Antiquities

  • Houdini's Magic Shop

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Source: http://www.huffingtonpost.com/2012/12/10/san-francisco-pier-39_n_2274124.html

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Welcome to the Currency War, Part 5 The Dollar ... - Financial Sense

Not so long ago the dollar was the world?s only reserve currency. Everything else was one (or several) steps down in terms of safety and liquidity, and major financial institutions acted accordingly, accumulating dollars for the risk-free parts of their portfolios. Global demand for dollars was, as a result, effectively infinite, which meant the US could borrow whatever it wanted, secure in the knowledge that the Treasury bonds it created would find willing buyers.

But quietly, over the past couple of decades, the dollar has been joined at the top by the euro, yen, pound sterling and Swiss franc. And now the list of legitimate reserve currencies has expanded to include Canadian and Australian dollars:

Aussie, Canada dollars termed reserve currencies

LONDON (MarketWatch) ? The Australian and Canadian dollars, the world?s leading commodity-rich currencies, are being formally classified as official reserve assets by the International Monetary Fund, marking the onset of a multi-currency reserve system and a new era in world money.

In a seemingly innocuous yet highly portentous move, the IMF is asking member countries from next year to include the Australian and Canadian dollars in statistics supplied by reserve-holding nations on the make-up of their central banks? foreign exchange reserves. The technical-sounding measure, reflecting growing diversification of the world?s $10.5 trillion of reserves, is likely over time to exert wide-ranging impact on world bond and equity markets.

Expanding by two the list of officially recognized reserve assets from the present five ? the dollar, euro, sterling, yen and Swiss franc ? signals a new phase in the development of reserve money. For most of the past 150 years, the world has had just two reserve currencies, with sterling in the lead until the First World War, and the dollar taking over as the prime asset during the past 100 years.

Sterling ? although still the world?s third reserve currency on IMF figures, just ahead of the yen ? has been in relative decline since the Second World War. The birth of the euro in 1999 has turned the European single currency into the world?s No. 2 reserve unit, but it is now officially accepted that the dollar and the euro share their role with smaller currencies.

Enshrining in official thinking a development already evident among reserve managers and on private markets, in a sense, does no more than catch up with reality. However, the IMF step has both practical and symbolic importance and will likely promote further asset diversification among official and private asset managers.

The popularity among central banks of the Australian and Canadian dollars, which have been relatively strong even against the firm U.S. dollar during the past few years, reflect their stable economic growth and intact banking systems since the financial crisis, as well as the influence of Australian and Canadian commodity resources. On informal estimates, worldwide official foreign-exchange holdings in each of the two currencies probably are around $60 billion.

The Chinese renminbi, the Korean won and the Singapore dollar are being held by a relatively small number of central banks. There are no Asian currencies (apart from the yen) on the new IMF list, reflecting their still very low use as official assets.

The renminbi has attracted widespread attention as a possible future reverse currency. But it?s still some years away from attaining that status, primarily because it is not fully convertible. Although held in appreciable quantities by 10 to 15 central banks around the world, the Chinese money lags as a reserve currency behind not just the Australian and Canadian units but also some Scandinavian currencies.

People?s Bank of China Gov. Zhou Xiaochuan said at the weekend: ?For the central bank, the next movement related to the yuan [renminbi] is going to be reform of convertibility ? We are going to realize it, we are moving in this direction, we need to go further, we will have some deregulation.?

Zhou, who will have completed 10 years at the central bank next month, is widely expected to retire shortly. The focus will be on how much scope the Chinese Communist leadership gives his successor to pursue further financial liberalization.

The importance of the dollar has diminished, from a peak of 71.5% of declared reserves in 2001 to just under 62% by 2012. Outside the five standard reserve currencies, the importance of ?other? currencies has risen, from a low of 1.3% in 2001 to 5.3% by end-June 2012, amounting to $310 billion.


Some thoughts

Categorizing Canadian and Australian dollars as reserve currencies makes sense when you view those countries in terms of gold, oil, sunshine and other resources per citizen. By that measure, each Canadian and Australian dollar is backed by a lot more real value than are the currencies of the paper-dependent societies like the US, Europe and Japan. If, as seems likely, we?re in the early stages of a shift away from financial assets and towards real things, the relative strength, and currency exchange rates, of the better-run resource-based economies will keep improving, making their currencies less risky and more profitable investments.

Note that the Chinese renminbi (aka the yuan) and Singapore dollar aren?t on the list. But they will be soon, with China now the second biggest economy (and an aggressive importer of gold) and Singapore becoming the preferred destination of global savings (especially gold storage) now that Switzerland has been cracked by the IRS and other tax authorities. See China?s next step in yuan overhaul is convertibility.

Gold, meanwhile, is once again being accumulated rather than dumped by central banks, and has already, arguably, replaced the dollar as the most coveted reserve asset. This, by the way, is simply a return after a 40-year absence to the place gold has occupied since the beginning of recorded history.

What does this mean for the dollar? First, a lot of central banks and trading firms will sell dollars to buy those other currencies and gold in order to make their portfolios reflect evolving financial realities. That selling pressure will, other things being equal, lower the dollar?s relative value, which is another way of saying that the US might not be able to borrow infinite amounts of money going forward, forcing us to either cut annual deficits far faster than is currently planned or pay a higher interest rate on future borrowings, which would increase future deficits.

The US, in short, will finally be subject to the same economic laws as lesser countries, with the same result: excessive debt and money printing lead to currency crisis which leads to depression.

Source: Dollar Collapse

Source: http://www.financialsense.com/contributors/john-rubino/currency-war-part-five-dollar-serious-competition

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Continuing Legal Challenges to Obamacare

On Monday, the U.S. Supreme Court, in granting a petition for rehearing in Liberty University v. Geitner, vacated the U.S. Fourth Circuit?s prior dismissal of Liberty?s challenge to Obamacare and directed the Fourth Circuit to reconsider its decision in light of the Supreme Court?s recent decision in NFIB v. Sebelius (2012).

The Fourth Circuit had dismissed Liberty?s lawsuit as not ripe for adjudication pursuant to the Anti-Injunction Act, which provides that ?no suit for the purpose of restraining the assessment or collection of any tax shall be maintained in any court by any person, whether or not such person is the person against whom such tax was assessed.?

In essence, the Fourth Circuit held that Liberty?s challenge was premature because the tax in question had not taken effect and that Liberty could not assert its claims until that happened. The Supreme Court rejected this rationale in NFIB, holding that the individual mandate was not a tax for purposes of the Anti-Injunction Act (contrary to what the Fourth Circuit had held) but that it could be considered a tax for purposes of determining whether Congress?s power had properly exercised its authority under the Taxing Clause of Article 1, Section 8, of the Constitution.

Having rejected the Fourth Circuit?s reason for not ruling on the merits, the Supreme Court remanded the case back to the Fourth Circuit so that it could take whatever action is appropriate in light of the NFIB decision. This is something that the Supreme Court does routinely whenever it issues a decision that could affect the analysis of a previously issued lower court decision, and this action should not be taken as a sign that the Supreme Court is reconsidering the merits of the claims it addressed in NFIB.

Thus, on Liberty?s claims that were like those heard last spring, the Fourth Circuit would be bound by the Supreme Court?s decision to dismiss them on the merits. However, Liberty brought other claims that have not yet been heard by the Supreme Court, including that the individual mandate and the employer mandate violate the Free Exercise Clause of the First Amendment and the Religious Freedom Restoration Act. Others are also challenging the Department of Health and Human Services? anti-conscience mandate in dozens of lawsuits that are now pending in courts throughout the country, the merits of which were addressed in a prior Heritage Legal Memorandum.

These claims that the Supreme Court has not yet addressed are alive and well. Furthermore, the lower courts do not have to wait for the tax to take effect before considering the merits of those challenges.

These issues will ultimately wend their way through the courts back up to the Supreme Court for its consideration.

Source: http://blog.heritage.org/2012/11/26/some-obamacare-legal-challenges-are-alive-and-well/

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Injecting Reality into Your Client's Franchise Dreams ? CEB Blog ...

Posted on by Julie Brook, Esq.

Franchising has had long-term success in the U.S. economy, both for franchisors and franchisees. Franchise businesses aren?t just fast food, either. According to a?USA Today article, home health care is one of the top franchises in the US. Although most franchise systems?and most franchisees?are reasonably successful, buying a franchise isn?t always the right decision. As an attorney, your job is to?insert some practical reality into your client?s franchise dreams.

Here are some practical issues about owning a franchise that you should raise with your client:

  • Will your client be happy operating the franchise? Make sure that your client has carefully considered whether he or she will be happy operating the specific business, day in and day out, for a number of years. In many situations, a franchised business may be generating adequate financial returns for the franchisee, but the actual operation of the business (e.g.,?making submarine sandwiches and supervising young employees) becomes less and less emotionally rewarding as time goes on. This may be especially true for a prospective franchisee who has spent most of his or her career in a nonretail position or with a Fortune 500-type company.
  • Is your client willing to forego?freedom??Even if the business is attractive to your client, he or she should think clearly about whether franchising, in general, is right for him or her. Although franchising can have many benefits, it does involve a significant surrender of freedom to the franchisor, and a franchisee must be willing to take direction from the franchisor in a number of areas. There are some businesspeople who may be very effective as independent operators but who would chafe at the restrictions that may be involved in a franchise system; true entrepreneurs are probably not suited to become franchisees.
  • Is your client willing to take the good publicity with the bad??Being part of a franchise often means name recognition and shared goodwill. But there?s a flipside: when any franchisee or the franchisor takes a public position on a political or social issue, the potential backlash can affect your client?s franchise. For example,?a Denny?s franchisee?s controversial statements about President Obama?s healthcare law sparked a call for?a boycott of all Denny?s, even those?owned by franchisees who disagreed with the statement; franchisees are all in the boat together and customers don?t differentiate.
  • Is it financially worthwhile??Although in well-run systems the franchisee can receive significant benefits from the franchisor, the franchisee will have to pay for those benefits, typically through a periodic royalty as well as mandated marketing fund contributions, required periodic upgrades, and adoption of new business methods. Your client needs to consider whether?the business will support this financial load, and whether the advantages of being part of a franchised system more than compensates for these expenses.
  • Does your client have a plan? Make sure that your client develops a business plan with conservative financial forecasts, including draft profit and loss, balance sheet, and cash flow forecasts. The client should then have the forecasts reviewed by an accountant operating from the position of a ?devil?s advocate.?

With the good counsel you?ll provide, and a focus on the legal and business issues that make franchising unique compared to other business models, your client will be in a far better position to evaluate the benefits and risks associated with the decision to become a franchisee. To help you?best advise?your clients, CEB?s California Franchise Law and Practice, chap 6, provides?a step-by-step guide for counseling clients who are interested in acquiring and operating a franchised business.

? The Regents of the University of California, 2012. Unauthorized use and/or duplication of this material without express and written permission from this blog?s author and/or owner is strictly prohibited.

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Source: http://blog.ceb.com/2012/11/26/when-your-client-wants-to-buy-a-franchise/

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cartcoxy: faithless puller: Shopping And Product Reviews: Collectible

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Article Creator: Margeret W.Q. Peters

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Should agents give appraisers the first page of each contract ...

I?ve been hearing from a few real estate agents that their brokers are telling them to give appraisers the first page of each contract to help show support for the market?s acceptance of a certain price level. Is this a good idea? Here?s my take.

real estate contracts - Sacramento Appraisal Blog

I think it?s great when Realtors share data about a listing. It?s helpful for appraisers to sift through first-hand information to shape an understanding of how the market perceived the subject property. It?s definitely a plus to see contracts instead of just hearing ?there were multiple offers?. However, here are a few points to consider:

  1. What about the other pages? The first page is a very limited portion of a contract. There could always be an addendum or a requested credit or concession on another page of the contact that effectively reduces the contract price.
  2. A focus on sales and market knowledge: It?s a nice touch to get the first page of a contract, but?I?d rather have?Realtors offer data in the form of recent sales,?listings AND any insight?into how buyers perceive the market. What are buyers willing to pay more for in the neighborhood? Is there something premium about the subject street? What facets of the neighborhood market?impact price? What sales did you use to support your list price?
  3. Supplementary data:?Keep in mind?appraisers use sales and listings in an appraisal report to support value ? not the number of offers (even though that can be supplementary data). I?ve had agents bring me nothing but?the front page of multiple offers,?which is nice, but?the number of offers and level of offers is secondary to more primary data like sales and listings.
  4. Contract price?does not equal value: Inventory has been so low in the Sacramento market that?some buyers are?offering far above a reasonable value.?This means offers?might not always reflect value. There are?several reasons why buyers are willing to overpay for properties right now,?which is something appraisers are?watching closely.

Summary:?In short, I?d love to get the first page of?each contract?from agents (and have?the agent let me know about any concessions, credits or addendums?that might impact the price level on the first page). Ultimately though, if?a Realtor wishes to communicate more thoroughly about a property, I?d prefer to hear about more ?meaty? market items like recent sales, listings and insider-knowledge?of the neighborhood.

Some tips for talking with appraisers: If you?re looking to communicate more effectively with appraisers, check out Quick tips for agents for talking to appraisers and Talking to appraisers in today?s changing real estate market [infographic].

Any questions, thoughts or stories to share?

If you have any questions or Sacramento home appraisal or property tax appeal needs, let?s connect by phone 916-595-3735, email, Twitter, subscribe to posts by email (or RSS) or ?like? my page on Facebook

Related posts:

  1. Should real estate agents give appraisers ?comps? at an inspection?
  2. Agents, be ready to answers these questions from appraisers
  3. Can appraisers tell real estate agents if value is going to be an ?issue??
  4. Appraisers killing deals, comps and high prices
  5. Can you give ?zero value? to part of a property during a sale?

Tagged as:? Home Appraiser ? House Appraiser ? how to work with appraisers ? provide contracts to appraiser ? providing comps to appraiser ? realtor tips ? sacramento appraisers ? should I show contracts to the appraiser ? tips for real estate agents ? tips for talking with appraisers

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