Friday, July 5, 2013

Video: Navigating Erratic Market Behavior

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Source: http://www.nbcnews.com/video/cnbc/52403532/

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VIDEO: Preview of EA Sports' NCAA Football '14

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Source: http://thetowntalk.com/article/20130705/SPORTS/130705016/-1/rss01

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Some Simple Repair Tips For Crippled Credit | Anzen & Ansin ...

If there are inaccuracies in your credit file, this can give you a poor credit score making it very difficult for any types of loans in the future. There are a few ways to fix inaccuracies and/or blemishes on your credit report. This article contains the tips you need to repair your credit.

Your interest rate will be lower if you have a good credit score. Monthly payments are easier this way, and you can pay off your unpaid debt. Obtaining lower interest rates will make it easier for you to manage your credit, which in turn will improve your credit rating.

You will be able to buy a house and finance it if you maintain a good credit rating. Making regular mortgage payments will also help your credit score. Owning a valuable asset like a house will improve your financial stability and make you appear more creditworthy. If you have to take out a loan, this will help you.

Paying your bills is something you need to do to repair your credit. Even more important than just paying your bills, is to pay off the entire balance, and pay them on time. You will notice an improvement in your credit score pretty quickly after paying off some past debts.

Before using a credit counselor, it?s important to research them completely. You will find some counselors that truly want to help you fix your credit situation, while others may have different motives. Some credit services are nothing more than fly-by-night scams. It is smart to verify the legitimacy of credit counselors prior to getting involved with them.

As shown here, if you want your credit score to rise, there are quite a few pro-active steps you can take. You will see your credit rating go up if you follow these tips. DIY credit restoration takes some discipline, but it can work wonders for your score.

Source: http://www.anzenansin.org/2013/07/05/some-simple-repair-tips-for-crippled-credit/

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Thursday, June 27, 2013

Cambridge Audio's Minx Air 200 Earns The Crown For Best Home ...

If you?re a high-end audio fan, you?ve probably heard of Cambridge Audio, the London-based firm that makes some of the best equipment in the business. The brand is currently undergoing some changes that involve targeting the growing number of users who are looking for wireless in-home and portable speaker solutions. Hence the new Minx line of devices, which borrows its name from Cambridge?s affordable home-theater speaker range, but adds goodies like AirPlay and Bluetooth.

The Minx Air 200 is part of this new effort. It?s a large home speaker that packs in AirPlay, Bluetooth, two 2.25-inch drivers and one 6.5-inch subwoofer, as well as direct access to up to five preset Internet radio stations without requiring a connection to an iPhone, smartphone or computer. The Minx Air 200 is a beast of a networked speaker system, and at $599 it compares price-wise to other higher-end options like the Bowers & Wilkins Zeppelin Air or the Libratone Live Speaker.

basics-subhead

  • AirPlay
  • Bluetooth
  • 3.5mm and RCA wired input
  • 802.11 b/g
  • Ethernet
  • 200W amplifier output
  • MSRP: $599
  • Product info page

design-subhead

The Minx Air 200 is somewhat sober in its design choices if I had to pick one word to describe it. It?s white plastic, with a light gray front grill and metallic rim bordering the front grill. Unlike some of the competition like the Zeppelin, the Minx isn?t trying to draw too much attention to itself. The arc of it adds a little bit of design flare, but mostly this is a speaker that strikes you as subdued, and that?s just fine. The Air 200 isn?t bad looking, it just is. Which sets the stage for it to live or die based on its performance.

features-subhead

You?ll be able to connect to the Minx Air no matter what type of device you?re trying to use as your music source, and the AirPlay connectivity is solid (the protocol seems to have come a long way in terms of stability, which is a bonus for Cambridge, who are relative latecomers to the market). And Ethernet support is a hugely welcome addition if you?re the type that can?t even fathom the idea of an occasional drop-out. It?s probably not going to be much use to most looking for a wireless speaker, but the fact that it?s there at all is excellent.

Preset Internet radio stations is another huge advantage for the Minx Air 200. With the Minx Air app, you can change settings on your device and cycle through 10 preset stations. Minx sets these up automatically, but you can change them within the app. Best of all, you can switch between five presets on the Air 200 itself with hardware buttons, giving you access to Internet radio without any kind of connected device required. That?s a huge advantage versus the competition when it comes to features.

True to its audiophile roots, Cambridge has also included advanced audio signal-boosting technologies, including built-in digital to analog converters (DACs) and AAC decoding, as well as tech designed to maximize the quality of Bluetooth stereo streaming to CD-quality standards.

performance-subhead

All those claims of better sound bring us to the money question: Is the?sound?actually better? Yes, yes it is. Put simply, this is the best-sounding AirPlay speaker I?ve reviewed, and the best-sounding Bluetooth one, too. AT $599, it isn?t cheap, but in this case you definitely get what you pay for. Bass performance is impressive, as is max volume, though even Cambridge admits this won?t go as loud as some of the competitors in the interest of preventing any kind of distortion even at the top end, something competitors aren?t necessarily as concerned about.

Cambridge may be trying to move into more mass-market products, but the Minx Air 200 still demonstrates the company?s audiophile roots. Audio clarity is great, even from streamed online sources like Rdio being streamed once again over the local network. The connection doesn?t seem to suffer from excess network traffic, either, and Bluetooth connections are likewise solid (with the usual limits on proximity), and sound quality also shines there. If you?ve been making do with even something as good as an Audyssey Audio Dock Air, you?ve been missing out. And that?s what Cambridge wants to do with the Minx line: Show a generation that hasn?t been particularly focused on audio quality what a difference it can make when someone pays attention to that above all. Mission accomplished.

Bottom Line

This is an excellent choice for an AirPlay/wireless home speaker. A battery would be nice, as there?s a handle for easy enough portability, but in its category, it?s still by far the best choice at the current price, and probably a better option than some of the more expensive ones out there. Cambridge Audio may have waited and let its competitors get a head start in this category, but the wait paid off: The Minx Air 200 is a polished, well-designed piece of audio hardware that confidently tops the?competition.


Cambridge Audio designs products to make music sound amazing.

? Learn more

Source: http://techcrunch.com/2013/06/26/cambridge-audios-minx-air-200-earns-the-crown-for-best-home-airplay-speaker/

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Microbes Make Cozy Homes in Ocean's Garbage

For about four decades, it's been known that plastic is collecting in the open ocean. Now, scientists have found this debris harbors unique communities of microbes, and the tiny residents of this so-called plastisphere may help break down the marine garbage.

Inhabitants of the plastisphere include members of a group of bacteria, the vibrios, known to cause disease, and microbes known to break down the hydrocarbon bonds within plastics, genetic analysis revealed. But most important, the communities of microbes on the plastic pieces were quite different from those found in samples of surrounding seawater.

"It's not a piece of fly paper out there with things just sticking to it randomly," said study researcher Tracy Mincer, an associate scientist at the Woods Hole Oceanographic Institution, referring to the plastic. "There are specific groups of microbes that are attracted to that environment and are adhering to it and living on it." [In Photos: Trash Litters Deep Seafloor]

Potential pathogens & plastic degraders

Vibrios accounted for nearly 24 percent of the residents on one of the six small pieces of plastic used in the study.

"Because most plastic originates from land it begs the question how far these vibrios are coming from. ? And are they potential pathogens, not just of humans, but for animals, such as fish," said study researcher Linda Amaral-Zettler, an associate scientist at the Marine Biological Laboratory. Some species in the genus Vibrio cause disease, but it?s not clear what species were within the samples, since the analysis for this study did not identify individual species of bacteria. ??

Burrowed in

Meanwhile, microscope images revealed microbestucked into pits that conformed to the shape of their single-celled bodies. The pits suggest the microbes are perforating the plastic and accelerating the natural weathering process, breaking it down, Mincer said. (The researchers aren?t certain which bacteria are in the pits; most bacteria cannot be identified through microscope images.)

"Either the cells have to settle into the perfectly shaped pits or they have something to do with creating the pits," said study researcher Erik Zettler, associate dean and professor of oceanography at the Sea Education Association in Woods Hole, Mass.

If the microbes are indeed burrowing into the plastic, they may be doing so mechanically or they could be metabolizing, otherwise known as "eating," the plastic, Zettler said.

The presence of hydrocarbon-degrading bacteria, related to those that bloomed after the Deep Horizon oil spill, indicates that bacteria may indeed be responsible for the pits.

Good or bad for ocean life?

The scientists aren't sure if bacteria-aided breakdown of plastics is good or bad for ocean ecosystems.

Whereas smaller pieces may accelerate the removal of plastics from the oceans, they may also have negative consequences. Smaller trash bits have a larger surface area (and more contact with the surrounding water) relative to volume so they can release more of the pollutants that plastics can absorb.

These itsy bits of plastic are also morelikely to enter the bottom of food chains when animals such as tiny, floating creatures called zooplankton consume them,and accumulate in the predatorsat the top, Zettler said.???

Much of the plastic debris in the ocean has been broken down into confetti-size pieces. During voyages in the North Atlantic, researchers and students onboard a Sea Education vessel collected bits of plastic for this study, which was published online by the journal Environmental Science & Technology on June 7.

This research is part of a National Science Foundation-funded project to study microbes living on marine plastic.

Going forward, Mincer is interested in finding the genetic mechanism that has enabled the plastic colonizers to attach to it so quickly and effectively.

"We think it may lead to a story of microbes adapting to a changing world," he said, pointing out that plastics are quite different from any surface upon which open ocean microbes would naturally settle.

Follow?LiveScience @livescience, Facebook?& Google+. Original article on?LiveScience.com.

Copyright 2013 LiveScience, a TechMediaNetwork company. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.

Source: http://news.yahoo.com/microbes-cozy-homes-oceans-garbage-190936473.html

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Wednesday, June 26, 2013

Cool Biz stress

Advertisement

During a summer day, at what point do you sweat the most? graph of japanese statisticsWith the Japanese summer comes Cool Biz (and Ultra Cool Biz), an energy-saving initiative where everyone is encouraged to turn their air conditioning to 28 degrees and wear lighter and more casual clothes in the office. Shiseido, a cosmetics company, conducted a survey into awareness of smells in the workplace to see, amongst other things, if sweat was a source of stress.

Demographics

Over the 27th and 28th of March 2013, 1,248 business persons living in Tokyo and Osaka and their surrounding areas were interviewed. The ages ranged from 20 to 59 years old, but no further information was provided.

I probably sweat the most in the office; my problem with commuting is usually far too cold a carriage!

This year I?m trying out Uniqlo?s AIRism underneath my work shirts. So far they feel great, and they stop my back sweat soaking into my shirt, but I?ll wait until it gets a lot hotter before delivering my final verdict. Its odour neutralising properties, however, are no match for my underarms!

Research results

Q1: What stresses do you feel regarding Cool Biz? (Sample size=1,248, multiple answer)

Worry about the smell of my own sweat 44.8%
Feeling all sticky with sweat 42.3%
Cannot concentrate in the heat 38.9%
Get irritable in the heat 32.3%
Worry about sweat stains 31.3%
Bothered by the smell of other people?s sweat 25.5%
Dark office 11.8%
I look all dishevelled 7.9%
Don?t know what to wear 7.9%
Other 1.0%
Don?t feel any particular stress 26.2%

Q2: Do you worrk about smells in business-related situations more than in causal ones? (Sample size=1,248)

Very much so 13.9%
Yes 50.0%
No 30.7%
Not at all 5.4%

Q3: During a summer day, at what point do you sweat the most? (Sample size=1,248)

Commuting 55.0%
In the office 18.6%
On returning home 10.2%
After 5 pm 6.5%
On waking 6.3%
After returning home 2.7%
Other 1.0%
Read more on: shiseido,smell,stress,sweat

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Source: http://feedproxy.google.com/~r/WhatJapanThinks/~3/pYXsACKungA/

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Travels of Joy and Beyond: Seek Legal Help for Personal Injuries

During summer time, a lot of people tend to go to a different state for a family or couple getaway just to enjoy what life has to offer and also to experience being away from the stressful world for once. I knew some people who loves to go to Florida for a family vacation. Sometimes, they do rent rental vacation homes or an apartment for a week to also save money compare to staying in a hotel. I'm sure a lot of people did the same thing in order to fully enjoy their family vacation getaway, it's also a must have to save money as much as possible. Therefore, things like this also the best alternative to spend more money.

However, we may never know what's ahead, especially with kids, we will never deny that for once in a while, accidents may happen. What if you've been injured or someone in your family are? It may be weird to think about it, but sometimes, it is important to consider things. If injuries ruined your vacation, then maybe it's time to seek help to an expert when it comes to Premises Liability Injuries that you or someone in your household had suffer, to seek liability particularly to injuries involving children.

Sometimes, this can happen during a vacation or staying at rental vacation homes that aren't really well maintenance or fully well maintained. So, if these happen to you, then contact the Personal Injury Lawyers in Fort Lauderdale located in Florida. Then, you and your family member's medical needs will be meet such as medical bills, lost wages and out-of-pocket expenses. To resolve your injury claim or accident, then it's time to seek legal help. You deserve to be compensated. Life is too short to suffer and be in anguish, where you supposed to enjoy your family vacation, rather, sometimes life is too complicated but with the help of an attorney, life can be good.

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Source: http://www.pinayinstates.us/2013/06/seek-legal-help-for-personal-injuries.html

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