Unsecured bad credit loan is the best opportunity in case of financial ...

Are you finding for a good and a reliable loan scheme where you?ll get a good amount of hard cash as a loan? If you are finding such loan plans, then you better pick the best opportunity of having an unsecured bad credit loan. This loan scheme is now days provided by different financial loan providing organization for the ease of bad credit people. Naturally they are the bad credit people who are the most of the applicants in such loan schemes. Now a day, this loan plans have attained tremendous consideration for its ease of money sanctioning and useful meanings.

People are attaining unsecured bad credit loan schemes for its tremendous privilege. Firstly, unsecured loan scheme asks for not a single penny as collateral. That means that the borrowers do not need to keep any sort of security in lieu of the loan. This is of tremendous advantage for bad credit peoples as not all the bad credit person are eligible to keep a good amount of mortgage on the hands of the lender. Secondly, these loan schemes also come with different tremendous and exciting offers for the bad credit borrowers? help. There are sometimes prizes, coupons, exciting sale offers etc provided with these loan schemes.

The reason behind attaching these exciting offers with unsecured bad credit loan is to increase the fame of all the sides attached with the loan plan. The third party of organization also gets served getting these bad credit approved applicants as their new customers, though they offers them with their products in a low price. Moreover, the bad credit loan lender gets a sort of consideration and privilege from those offering attached organization and get a small percentage of incentive provided by the third party.

But not always unsecured bad credit loan are feasible and conducive for bad credit people. Sometimes, many financial organizations ask for to keep a small amount of money as collateral which will not be eligible to many of the bad credit people. Generally, the loan money provided through these loan schemes are lower than the bad credit persons imagination and the interest rates charged are naturally higher than expectation. Because of the loan scheme being unsecured, these hazards are to be faced by the bad credit loan borrower. However, if a person of bad credit is brave enough to deal with all these problems, he can certainly shine in the near future.

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Source: http://www.briefingwire.com/pr/unsecured-bad-credit-loan-is-the-best-opportunity-in-case-of-financial-low-wallet

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Writing Search Ads in Context - Search Engine Watch (#SEW)

A mother gives her son two ties for his birthday. He goes upstairs, puts on one of the ties, and comes back down to show his mother. She looks him up and down, then says, ?What?s the matter, you didn?t like the other tie??

This mother understands something that many search advertisers don?t: we make all our choices in context. Meaning, when we?re trying to select one option, we?re comparing it to all the other options in our consciousness at that moment. We?re trying to figure out which one will best meet our current needs.

Why We Limit Our Options

If I have a $5 bill and I walk past a smoothie bar, I?ll immediately start the mental calculus of whether I would be better served by a Very Berry Blast, a Pina Colada Shake, or a Peanut Cacao Freezee.

Noticeably absent from my choices are:

1. Buying a set of hinges to fix the broken garden gate.
2. Donating the money to the Land Institute.
3. Putting the money into my kids? 529 plan.

Why wouldn?t I compare a frozen cup of fruit chunks to any of these arguably much better causes? Why does my brain exclude them from consideration?

Because of context. Making decisions, it turns out, expends a tremendous amount of energy. Not just metaphorical energy, but real, caloric, glucose-guzzling energy.

And allowing billions of choices equal time would blow our daily energy budget within one minute of waking in the morning. So our brains ruthlessly expunge everything that doesn?t seem immediately relevant to the decision at hand.

Books like Dan Ariely?s ?Predictably Irrational? and Richard Thaler and Cass Sunstein?s ?Nudge? are textbooks in using this tendency of the brain to frame other people?s decisions. If we?re conscious of the phenomenon, we can engage in ?choice architecture? to increase the likelihood that people will select one option over another.

Context in Search Marketing

The search results page is the ultimate in controlled and contrived choice. The user types in a short phrase indicating their current need, and anywhere from 10 to 25 listings appear, all vying for that user?s click.

The question for advertisers is, how can you use the principles of choice architecture to get that click for yourself.

Defining Which Click You Want

The first, most crucial step is to realize that you can?t get ? and don?t want ? every single click. You must decide which subset of the search market you?re going to attract with your ad.

For example, if you?re bidding on the keyword ?chicken coop,? you need to decide if you?re catering to a continuum from extremely DIY (?just give me the plans and I?ll build it myself?) to extremely DIFM (Do It For Me: ?build it, ship it, and set it up wherever you think it should go?). In between go coop kits, collaborative builders, and many other options.

For this example, let?s say you cater to DIYers looking for chicken coop plans, as your main business is selling backyard chicken supplies, and your plans are an effective lead generator.

Reading the SERP

Once you?ve identified your ideal customer, it?s time to view the search engine results page (SERP) through their eyes. Think of search advertising like chess: you wouldn?t make a move based on looking at your pieces, while ignoring those of your opponent.

Which ads speak to the primary need of your ideal customer? Which ones make some sort of empathetic connection?

The top and bottom ad above both target the DIYer, with different emotional appeals. LivingtheCountryLife.com uses words that appeal to ?progressives?: amazing, inspired. By contrast, CatawbaCoops.com appeals more to ?conservatives.? Both the ?old world styled? descriptor and the purposefully ungrammatical headline with its double negative speak to someone turned off by ?new and shiny? things.

The middle ad, while not targeting the DIYer, does raise a potentially important criterion: ease of cleaning.

As an advertiser, your challenge and opportunity is to claim a piece of territory in this fray. To position your offer in this already raging competition.

Invoking Your Ideal Customer Avatar

You can?t do this effectively unless you know something about your ideal customer. You can use a comprehensive process to achieve this kind of deep empathy through Avatar creation. Now, in the context of the SERP, you harness those insights to make an appeal that is more relevant and emotionally engaging than those of your competitors.

For example, let?s say this is your Avatar: a suburban mom named Shannon who shops at the farmer?s market, tries to buy organic and local food for her family, and wants four backyard chickens for a variety of reasons:

1. Her dad grew up on a farm, and she wants to give her rushed, hyper-programmed suburban kids a taste of farm life.
2. She worries about the treatment of chickens used in commercial laying operations.
3. She wants her kids to eat the healthiest food possible.
4. Her city just approved a chicken-friendly ordinance, and she wants to be a leader in her neighborhood.

Now, she also works a full-time job and doesn?t have a ton of time to build something. But she enjoys woodworking, and is proud of her skills. When she was a teenager, she and her dad would bond by doing little projects in the garage.

From this exercise, here are the messages I think will resonate with Shannon:

1. Not all coops are equally healthy for chickens. Make sure you get the facts before building something ?pretty.?
2. ?A taste of farm life in the suburbs.? This coop design honors farming traditions while conforming to suburban rules and mores.
3. Easy to gather the eggs. Some coops look great, but make egg gathering a royal pain. This design will have your kids volunteering for the chore, not arguing about who has to do it.
4. A chicken coop that?s so pretty, clean, and quiet, it will convert your neighbors. Some of them may be worried about the smell, about the noise, about the looks, about avian flu, about all sorts of things. When they see this coop, they?ll relax. Next thing you know, they?ll want chickens too.

An Ad Writing Contest

OK, now it?s your turn. Based on the assumptions I?ve made so far, write a Google ad that Shannon will click in preference to the other two DIY chicken coop ads. The winner gets an autographed copy of ?Google AdWords For Dummies?.

Rules: 130 characters total (25 for the headline, 35 each for the two description lines and display URL). You can invent an appealing URL.

Post your entries (you can create as many different ads as you like) as comments to this article. People can vote on their favorite by ?Liking? individual comments. I?ll make the final decision, but since I?m pretty lazy, I?ll weigh the voting very heavily.

Have fun! Now if you?ll excuse me, I?ve got to gather some eggs.

Image Credit: HA! Designs - Artbyheather/Flickr

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Source: http://searchenginewatch.com/article/2221130/Writing-Search-Ads-in-Context

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University of Michigan News Service | U-M launches $9 million effort ...

Details

Published on Oct 30, 2012

Contact Jim Erickson

ANN ARBOR?A new $9 million University of Michigan Great Lakes research and education center will guide efforts to protect and restore the world's largest group of freshwater lakes by reducing toxic contamination, combating invasive species, protecting wildlife habitat and promoting coastal health.

With a $4.5 million, three-year grant from the Fred A. and Barbara M. Erb Family Foundation, the new University of Michigan Water Center will provide a solid scientific framework for more efficient and effective Great Lakes restoration.

U-M scientists and their partners across the region will use research and on-the-ground collaboration to inform Great Lakes restoration projects. The initiative was announced today by U-M President Mary Sue Coleman, who said the university will add an additional $4.5 million to the project over three years.

Pictured Rocks National Lakeshore, Lake Superior. Image credit: Michigan Sea Grant"As a university, we need to take on ownership and responsibility of regional sustainability challenges that affect us, close to home and where our expertise can have enormous impact.? The U-M Water Center will do that," Coleman said. "I want to thank the Erb Family Foundation for supporting our work and, more important, for continually pushing us to do more."

During its first three years, the center will focus on identifying and filling critical science gaps in the four focus areas of the federal Great Lakes Restoration Initiative (GLRI): removing toxic contamination and restoring regions of environmental degradation known as areas of concern; combating invasive species; protecting and restoring wildlife and their habitats; and ridding nearshore waters of polluted runoff.

U-M researchers examine a load of quagga mussels pulled from the bottom of Lake Michigan during a 2009 voyage. Photo by Jim EricksonNumerous ongoing threats to the health of the lakes were the impetus for the Obama administration's establishment of the GLRI, the largest single source of funding ever focused on the Great Lakes. Administered by the U.S. Environmental Protection Agency, the GLRI has spent an unprecedented $1 billion on Great Lakes restoration projects in its first three years.

The new U-M Water Center will lead region-wide academic efforts to guide development of the next GLRI phase. It will engage with conservationists, policymakers, nonprofit groups and researchers across the Great Lakes states and in Canada.

"Our foundation is very pleased to provide U-M with this grant to identify and fill critical knowledge gaps and help develop a science framework for the restoration of the Great Lakes," said John Erb, president of the Erb Family Foundation. "The lakes are a unique and precious ecosystem that we must steward for the benefit of current and future generations. This regional and international engagement is essential at this critical stage in our stewardship of the Great Lakes."

The Erb Family Foundation envisions that efforts during the first three years of funding to the U-M Water Center will lead to:

• More effective and powerful integration of scientific input for, and evaluation of, restoration and protection of the Great Lakes.
• A stronger GLRI that more fully integrates science to support management actions and policy decisions, assesses environmental outcomes, and enhances current and future GLRI efforts.
• More effective restoration efforts based on a deeper understanding of potential cumulative impacts of currently funded GLRI projects and assessment of remaining science and management gaps.
• More efficient and effective restoration approaches for the Great Lakes basin and beyond.

University of Michigan researcher David Jude collecting samples on Lake Michigan in 2009, during a study of quagga mussels. Photo by Jim EricksonThe U-M Water Center will be administered by the Graham Sustainability Institute and will involve faculty and students from across the university, including the Cooperative Institute for Limnology and Ecological Research (CILER); Michigan Sea Grant; the School of Natural Resources and Environment; the Department of Ecology and Evolutionary Biology; the Department of Atmospheric, Oceanic and Space Sciences; the College of Engineering; the School of Public Health; and the Ford School of Public Policy.

A portion of the initial funding will be used to hire three prominent Great Lakes scientists, adding depth to the U-M's research effort and offering new learning opportunities for students. Two of these scientists, Tom Nalepa and Gary Fahnenstiel, recently joined the U-M faculty from the National Oceanic and Atmospheric Administration's Great Lakes Environmental Research Laboratory in Ann Arbor. Both are considered to be among the top Great Lakes scholars in the world. They will teach a new Great Lakes oceanography field methods course at the U-M Biological Station and a new Great Lakes science and management course at the Ann Arbor campus.

"While their immense size can make them seem indestructible, the Great Lakes are showing severe signs of stress and face unprecedented threats. The integrity of the Great Lakes ecosystem has been compromised in recent years, and many important plant and animal species are in decline or have been lost," said Nalepa, who is perhaps best known for his seminal work on invasive mussels, including zebra and quagga mussels, and their effects on Great Lakes communities.

Barbara and Fred Erb"The Great Lakes region is one of unrivaled natural beauty and diverse wildlife habitat that provides drinking water to more than 40 million U.S. and Canadian citizens while supporting 1.5 million U.S. jobs," said U-M Provost Phil Hanlon. "With this support from the Erb Foundation, the University of Michigan Water Center is positioned to make important contributions to improve the health of critically important Great Lakes ecosystems."

The Great Lakes hold 20 percent of the world's surface freshwater. The region includes 10,000 miles of coastline and numerous globally rare plant and animal species. In addition, the Great Lakes support a wide range of recreational and economic activities, including vibrant tourism and a sport fishery industry that contributes $4 billion to the economy.

Donald Scavia, director of U-M?s Graham Sustainability Institute. "The GLRI recognized the Great Lakes as nationally important both ecologically and economically, as a provider of myriad services upon which society depends," said aquatic ecologist and Graham Sustainability Institute Director Donald Scavia, special counsel to the U-M president on sustainability issues. "It has provided a unique opportunity to build and catalyze efforts leading to major improvements in the health of the Lakes."

While the Great Lakes Restoration Initiative has been widely praised, there is great interest in integrating a stronger science base into the projects and helping to assess their cumulative environmental and economic impacts. That is the primary near-term focus of U-M's new Water Center.

The center will follow a truly collaborative approach, including regularly convening the region's science leaders, policymakers, resource managers, and other stakeholders with the aim of enhancing regional dialogue and collaboration. "This is a much needed effort to engage the broader academic community, and we are excited to be a partner in building a stronger science base for Great Lakes restoration," said Val Klump, the associate dean for research in the School of Freshwater Sciences at the University of Wisconsin-Milwaukee.

As a first step in shaping the new center's mission, the Graham Sustainability Institute recently convened a group of more than 20 directors of U.S. and Canadian academic Great Lakes centers and institutes to discuss and develop science recommendations for the next phase of the GLRI. The group concluded that sound science must be an integral part of restoration projects.

Allen Burton, director of the new University of Michigan Water Center. "Following the meeting, the group developed and has submitted to the Environmental Protection Agency a science strategy and implementation plan to consider for the next phase of the GLRI," said Professor Allen Burton, who will serve as director of the new center in addition to directing CILER. "Our science plan stresses that we need to determine which regions are under the greatest threat, identify factors most responsible for negatively impacting ecosystem health, and assess the effectiveness of restoration efforts over time."

To ensure broad-based input and information sharing across the Great Lakes community, the center will form an advisory group composed of science, policy and practitioner communities representing public (federal, state, tribal, local governments), private (relevant industries and/or industry associations), academic, environmental, non-governmental, and other citizen stakeholder organizations. The advisory group will provide input that helps guide future research projects undertaken by the U-M Water Center and will ensure broader communications across the Great Lakes basin.

The Fred A. and Barbara M. Erb Family Foundation was established in 2007 to institutionalize and perpetuate the family's philanthropy. The foundation's mission is to nurture environmentally healthy and culturally vibrant communities in metropolitan Detroit and to support initiatives to restore the Great Lakes basin. The foundation is particularly focused on improving water quality, especially in the watersheds impacting metropolitan Detroit and Bayfield, Ontario; promoting environmental health and justice; and supporting the arts as a means to revitalize the metropolitan Detroit region.

The U-M Water Center grant is the third grant from the Erb Foundation to the University of Michigan. In 2009, the foundation awarded $500,000 to a U-M-led research team for a project, known as the Great Lakes Environmental Assessment and Mapping project, or GLEAM, to comprehensively analyze and map various threats to the Great Lakes. Last year, the foundation provided a $200,000 challenge grant to fund third-year students at U-M Erb Institute for Global Sustainable Enterprise.

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U-M Sustainability fosters a more sustainable world through collaborations across campus and beyond aimed at educating students, generating new knowledge, and minimizing our environmental footprint. Learn more at sustainability.umich.edu.

Source: http://www.ns.umich.edu/new/releases/20930-u-m-launches-9-million-effort-to-strengthen-great-lakes-restoration-while-advancing-research-and-education

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Tourists Stranded In New York By Hurricane Sandy Take Hit In Costs, But Remain Upbeat

NYU Tisch Hospital Evacuated

Medical workers assist a patient into an ambulance during an evacuation of New York University's Tisch Hospital, Monday, Oct. 29, 2012, in New York. The New York City hospital is moving out more than 200 patients after its backup generator failed when the power was knocked out by a superstorm. (AP Photo/ John Minchillo)

HMS Bounty Submerged

This photo provided by the U.S. Coast Guard shows the HMS Bounty, a 180-foot sailboat, submerged in the Atlantic Ocean during Hurricane Sandy approximately 90 miles southeast of Hatteras, N.C., Monday, Oct. 29, 2012. The Coast Guard rescued 14 of the 16 crew members by helicopter. Hours later, rescuers found one of the missing crew members, but she was unresponsive. They are still searching for the captain. (AP Photo/U.S. Coast Guard, Petty Officer 2nd Class Tim Kuklewski)

ConEd Trucks Underwater

Consolidated Edision trucks are submerged on 14th Street near the ConEd power plant, Monday, Oct. 29, 2012, in New York. Sandy knocked out power to at least 3.1 million people, and New York's main utility said large sections of Manhattan had been plunged into darkness by the storm, with 250,000 customers without power as water pressed into the island from three sides, flooding rail yards, subway tracks, tunnels and roads. (AP Photo/John Minchillo)

Ground Zero Floods

Sea water floods the Ground?Zero construction site, Monday, Oct. 29, 2012, in New York. Sandy continued on its path Monday, as the storm forced the shutdown of mass transit, schools and financial markets, sending coastal residents fleeing, and threatening a dangerous mix of high winds and soaking rain.? (AP Photo/ John Minchillo)

Lower Manhattan Goes Dark

Lower Manhattan goes dark during superstorm Sandy, on Monday, Oct. 29, 2012, as seen from the Brooklyn Heights promenade in the Brooklyn borough of New York. One World Trade Center, background center, remains brightly lit. Sandy continued on its path Monday, as the storm forced the shutdown of mass transit, schools and financial markets, sending coastal residents fleeing, and threatening a dangerous mix of high winds and soaking rain.? (AP Photo/Bebeto Matthews)

Flooded Streets Under The Manhattan Bridge

Streets are flooded under the Manhattan Bridge in the Dumbo section of Brooklyn, N.Y., Monday, Oct. 29, 2012.Sandy continued on its path Monday, as the storm forced the shutdown of mass transit, schools and financial markets, sending coastal residents fleeing, and threatening a dangerous mix of high winds and soaking rain. (AP Photo/Bebeto Matthews)

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People brace against a gust from Hurricane Sandy in Brooklyn's Dumbo neighborhood Monday, Oct. 29, 2012, in New York. Residents of the neighborhood were ordered to evacuate because of the storm surge expected from the hurricane. Authorities warned that New York City and Long Island could get the worst of the storm surge: an 11-foot onslaught of seawater that could swamp lower areas of the city.

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West New York, N.J.

Wind-blown mist from the Hudson River along with driving rain in West New York, N.J. fills the air Monday, Oct. 29, 2012 as Hurricane Sandy lashed the East Coast. The Manhattan borough of New York is in the background.

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Lindenhurst, N.Y.

People wade and paddle down a flooded street as Hurricane Sandy approaches, Monday, Oct. 29, 2012, in Lindenhurst, N.Y. Gaining speed and power through the day, the storm knocked out electricity to more than 1 million people and figured to upend life for tens of millions more.

Scituate, Mass

A dog looks out from an open window as its owner takes pictures from a car parked near the seawall in Scituate, Mass. Monday, Oct. 29, 2012. Hurricane Sandy continued on its path Monday, as the storm forced the shutdown of mass transit, schools and financial markets, sending coastal residents fleeing, and threatening a dangerous mix of high winds and soaking rain.

The number 1 subway train station is blocked by sandbags at Battery Park in New York Monday, Oct. 29, 2012, in preparation for a possible storm surge as Hurricane Sandy approaches the East Coast. Hurricane Sandy continued on its path Monday, forcing the shutdown of mass transit, schools and financial markets, sending coastal residents fleeing, and threatening a dangerous mix of high winds and soaking rain. (AP Photo/Craig Ruttle)

Cape May, N.J.

Rough surf of the Atlantic Ocean breaks over the beach and across Beach Ave., Monday morning, Oct. 29, 2012, in Cape May, N.J., as high tide and Hurricane Sandy begin to arrive. Hurricane Sandy continued on its path Monday, forcing the shutdown of mass transit, schools and financial markets, sending coastal residents fleeing, and threatening a dangerous mix of high winds and soaking rain. (Mel Evans, AP)

Waves wash over the seawall near high tide at Battery Park in New York, Monday, Oct. 29, 2012, as Hurricane Sandy approaches the East Coast. (AP Photo/Craig Ruttle)

In Baltimore's Fells Point waterfront neighborhood, some streets near the harbor, normally filled with the cars of residents and visitors, are deserted Monday morning, Oct. 29, 2012 as city officials ordered cars to be moved from low-lying areas. Hurricane Sandy continued on its path Monday, forcing the shutdown of mass transit, schools and financial markets, sending coastal residents fleeing, and threatening a dangerous mix of high winds and soaking rain. (AP Photo/Alex Dominguez)

Brandon White

Brandon White of Watermark, a tour and charter boat company, ties one of the company's boats to a pier in Annapolis, Md. as Hurricane Sandy approaches the East Coast Monday, Oct. 29, 2012. Hurricane Sandy continued on its path Monday, forcing the shutdown of mass transit, schools and financial markets, sending coastal residents fleeing, and threatening a dangerous mix of high winds and soaking rain. (AP Photo/Steve Ruark)

With only a security officer in the station, sandbags block the entry to the closed Staten Island Ferry in New York Monday, Oct. 29, 2012, all public transportation has been shut down as Hurricane Sandy approaches the East Coast. Hurricane Sandy continued on its path Monday, forcing the shutdown of mass transit, schools and financial markets, sending coastal residents fleeing, and threatening a dangerous mix of high winds and soaking rain.?(AP Photo/Craig Ruttle)

Hurricane Sandy Bears Down On U.S. Mid-Atlantic Coastline

CAPE MAY, NJ - OCTOBER 29: Waters from Hurricane Sandy start to flood Beach Ave. on October 29, 2012 in Cape May, New Jersey. Later today the full force of Hurricane Sandy is expected to hit the New Jersey coastline bringing heavy winds and floodwaters. (Photo by Mark Wilson/Getty Images)

Sandbags block the entry to the closed Staten Island Ferry in New York Monday, Oct. 29, 2012, as all public transportation has been shut down as Hurricane Sandy approaches the East Coast. Hurricane Sandy continued on its path Monday, forcing the shutdown of mass transit, schools and financial markets, sending coastal residents fleeing, and threatening a dangerous mix of high winds and soaking rain.?(AP Photo/Craig Ruttle)

Lamar Chambers

Lamar Chambers watches waves as winds from hurricane Sandy reach Seaside Park in Bridgeport, Conn., Monday, Oct. 29, 2012. Hurricane Sandy continued on its path Monday, forcing the shutdown of mass transit, schools and financial markets, sending coastal residents fleeing, and threatening a dangerous mix of high winds and soaking rain. (AP Photo/Jessica Hill)

Rough surf of the Atlantic Ocean breaks over the dunes Monday morning, Oct. 29, 2012, in Cape May, N.J., as high tide and Hurricane Sandy begin to arrive. Hurricane Sandy continued on its path Monday, forcing the shutdown of mass transit, schools and financial markets, sending coastal residents fleeing, and threatening a dangerous mix of high winds and soaking rain. (AP Photo/Mel Evans)

Waves crash over the bow of a tug boat as it passes near the Statue of Liberty in New York Monday, Oct. 29, 2012 as rough water as the result of Hurricane Sandy churned the waters of New York Harbor. Hurricane Sandy continued on its path Monday, forcing the shutdown of mass transit, schools and financial markets, sending coastal residents fleeing, and threatening a dangerous mix of high winds and soaking rain.? (AP Photo/Craig Ruttle)

Hurricane Sandy Bears Down On U.S. Mid-Atlantic Coastline

NEW YORK, NY - OCTOBER 29: People take pictures on the Rockaway Beach Boulevard as Hurricane Sandy begins to affect the area on October 29, 2012 in the Queens borough of New York City. The storm, which threatens 50 million people in the eastern third of the U.S., is expected to bring days of rain, high winds and possibly heavy snow. New York Governor Andrew Cuomo announced the closure of all New York City's bus, subway and commuter rail service as of Sunday evening. (Photo by Allison Joyce/Getty Images)

Mid Atlantic Coast Prepares For Hurricane Sandy

NEW YORK, NY - OCTOBER 29: Dark clouds are seen over the skyline of Manhattan as as Hurricane Sandy begins to affect the area on October 29, 2012 in New York City. The storm, which threatens 50 million people in the eastern third of the U.S., is expected to bring days of rain, high winds and possibly heavy snow. New York Governor Andrew Cuomo announced the closure of all New York City will bus, subway and commuter rail service as of Sunday evening. (Photo by Spencer Platt/Getty Images)

Mid Atlantic Coast Prepares For Hurricane Sandy

NEW YORK, NY - OCTOBER 29: People walk across the Brooklyn Bridge as Hurricane Sandy begins to affect the area on October 29, 2012 in New York City. The storm, which threatens 50 million people in the eastern third of the U.S., is expected to bring days of rain, high winds and possibly heavy snow. New York Governor Andrew Cuomo announced the closure of all New York City will bus, subway and commuter rail service as of Sunday evening. (Photo by Spencer Platt/Getty Images)

Mid Atlantic Coast Prepares For Hurricane Sandy

NEW YORK, NY - OCTOBER 29: The closed New York Stock Exchange is barricaded with sand bags during the arrival of Hurricane Sandy on October 29, 2012 in New York City. The core of Sandy's force is supposed to hit the New York area Monday night. (Photo by Andrew Burton/Getty Images)

Mid Atlantic Coast Prepares For Hurricane Sandy

NEW YORK, NY - OCTOBER 29: A man watches the waves in New York Harbor from Battery Park during the arrival of Hurricane Sandy on October 29, 2012 in New York City. The core of Sandy's force is supposed to hit the New York area Monday night. (Photo by Andrew Burton/Getty Images)

Mid Atlantic Coast Prepares For Hurricane Sandy

NEW YORK, NY - OCTOBER 29: A wave crashes over the hull of a tugboat in New York Harbor during the arrival of Hurricane Sandy on October 29, 2012 in New York City. The core of Sandy's force is supposed to hit the New York area Monday night. (Photo by Andrew Burton/Getty Images)

Mid Atlantic Coast Prepares For Hurricane Sandy

NEW YORK, NY - OCTOBER 29: A man walks past a barricaded subway entrance near Battery Park during the arrival of Hurricane Sandy on October 29, 2012 in New York City. The core of Sandy's force is supposed to hit the New York area Monday night. (Photo by Andrew Burton/Getty Images)

Hurricane Sandy Bears Down On U.S. Mid-Atlantic Coastline

CAPE MAY, NJ - OCTOBER 29: The Cape May Lighthouse can be seen as heavy surf from Hurricane Sandy pounds the shoreline on October 29, 2012 in Cape May, New Jersey. Later today the full force of Hurricane Sandy is expected to hit the New Jersey coastline bringing heavy winds and floodwaters. (Photo by Mark Wilson/Getty Images)

Hurricane Sandy Bears Down On U.S. Mid-Atlantic Coastline

CAPE MAY, NJ - OCTOBER 29: People walk across Beach Ave. as flood waters from Hurricane Sandy rush in on October 29, 2012 in Cape May, New Jersey. Later today the full force of Hurricane Sandy is expected to hit the New Jersey coastline bringing heavy winds and floodwaters. (Photo by Mark Wilson/Getty Images)

Mid Atlantic Coast Prepares For Hurricane Sandy

ATLANTIC CITY, NJ - OCTOBER 29: Flood waters begin to flood a street near the ocean ahead of Hurricane Sandy on October 29, 2012 in Atlantic City, New Jersey. Governor Chris Christie?s emergency declaration is shutting down the city?s casinos and 30,000 residents were ordered to evacuate. (Photo by Mario Tama/Getty Images)

Mid Atlantic Coast Prepares For Hurricane Sandy

ATLANTIC CITY, NJ - OCTOBER 29: Water floods a street ahead of Hurricane Sandy on October 29, 2012 in Atlantic City, New Jersey. Governor Chris Christie?s emergency declaration is shutting down the city?s casinos and 30,000 residents were ordered to evacuate. (Photo by Mario Tama/Getty Images)

Mid Atlantic Coast Prepares For Hurricane Sandy

ATLANTIC CITY, NJ - OCTOBER 29: A car sits in a flooded street near the ocean ahead of Hurricane Sandy on October 29, 2012 in Atlantic City, New Jersey. Governor Chris Christie?s emergency declaration is shutting down the city?s casinos and 30,000 residents were ordered to evacuate. (Photo by Mario Tama/Getty Images)

Mid Atlantic Coast Prepares For Hurricane Sandy

ATLANTIC CITY, NJ - OCTOBER 29: A car sits in a flooded street near the ocean ahead of Hurricane Sandy on October 29, 2012 in Atlantic City, New Jersey. Governor Chris Christie?s emergency declaration is shutting down the city?s casinos and 30,000 residents were ordered to evacuate. (Photo by Mario Tama/Getty Images

Norfolk, VA

Norfolk resident Jack Devnew and his dog check on his boat at a marina near downtown Norfolk, Va., Monday, Oct. 29, 2012. Rain and wind from Hurricane Sandy are hitting the area. (Steve Helber, AP)

New York City

Police and firefighters respond to a downed street light on FDR drive, Monday, Oct. 29, 2012, in New York. Hurricane Sandy continued on its path Monday, forcing the shutdown of mass transit, schools and financial markets, sending coastal residents fleeing, and threatening a dangerous mix of high winds and soaking rain. (Mel Evans, AP)

Fenwick Island, Del.

Richard Thomas walks through the flood waters in front of his home after assisting neighbors as Hurricane Sandy bears down on the East Coast, Monday, Oct. 29, 2012, in Fenwick Island, Del. Forecasters warned that the New York City region could face the worst of Hurricane Sandy as it bore down on the U.S. East Coast's largest cities Monday, forcing the shutdown of financial markets and mass transit, sending coastal residents fleeing and threatening high winds, rain and a wall of water up to 11 feet (3.35 meters) tall. It could endanger up to 50 million people for days. (Alex Brandon, AP)

New York City

A pedestrian walks her dog through a working crew as they stack sandbags beside concrete barriers to protect buildings near the World Financial Center in anticipation of massive flooding, Monday, Oct. 29, 2012, in New York. Hurricane Sandy bore down on the Eastern Seaboard's largest cities Monday, forcing the shutdown of mass transit, schools and financial markets, sending coastal residents fleeing, and threatening a dangerous mix of high winds, soaking rain and a seawater surge of anywhere from 6 to 11 feet. (John Minchillo, AP)

Cape May, N.J.

Rough surf of the Atlantic Ocean breaks over the beach onto the Beach Ave., Monday morning, Oct. 29, 2012, in Cape May, N.J., as high tide and Hurricane Sandy begin to arrive. Hurricane Sandy continued on its path Monday, forcing the shutdown of mass transit, schools and financial markets, sending coastal residents fleeing, and threatening a dangerous mix of high winds and soaking rain. (Mel Evans, AP)

Baltimore's Fells Point

Residents fill sandbags in Baltimore's Fells Point neighborhood Monday, Oct. 29, 2012 in preparation for Hurricane Sandy. Hurricane Sandy continued on its path Monday, forcing the shutdown of mass transit, schools and financial markets, sending coastal residents fleeing, and threatening a dangerous mix of high winds and soaking rain. (Alex Dominguez, AP)

Norfolk, Va.

A stranded car sits parked along a street near downtown Norfolk, Va., Monday, Oct. 29, 2012. Rain and wind from Hurricane Sandy are hitting the area. (Steve Helber, AP)

Battery Park, New York

Waves wash over the seawall near high tide at Battery Park in New York, Monday, Oct. 29, 2012, as Hurricane Sandy approaches the East Coast. (Craig Ruttle, AP)

Fenwick Island, Del

Al Daisey walks in the flood water in front of his home as Hurricane Sandy bears down on the East Coast, Monday, Oct. 29, 2012, in Fenwick Island, Del. Forecasters warned that the New York City region could face the worst of Hurricane Sandy as it bore down on the U.S. East Coast's largest cities Monday, forcing the shutdown of financial markets and mass transit, sending coastal residents fleeing and threatening high winds, rain and a wall of water up to 11 feet (3.35 meters) tall. It could endanger up to 50 million people for days. (Alex Brandon, AP)

New York City

Sandbags protect an entrance of the New York Stock Exchange, Monday, Oct. 29, 2012. Hurricane Sandy continued on its path Monday, forcing the shutdown of mass transit, schools and financial markets, sending coastal residents fleeing, and threatening a dangerous mix of high winds and soaking rain. There had been plans to allow electronic trading to go forward on the New York Stock Exchange but with a storm surge expected to cover parts of lower Manhattan in water, officials decided late Sunday that it was too risky to ask any personnel to staff the exchanges. (Richard Drew, AP)

Mark Palazzolo, owner of a bait and tackle shop on the Manasquan Inlet in Point Pleasant Beach, N.J., sits next to wood he has used to board up his business in previous major storms, Sunday, Oct. 28, 2012, in Point Pleasant Beach, N.J. Of Hurricane Sandy, he said, "I think this is going to do us in." (AP Photo/Wayne Parry)

Source: http://www.huffingtonpost.com/2012/10/30/hurricane-sandy-tourists-new-york_n_2041633.html

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Senior Data Sales Manager (online and offline ? leading publisher ...

(Permanent)

60K Base + 40% Bonus + Bens | Hertfordshire

A highly successful Digital Publisher is looking for an experienced Senior Data Sales Manager in a new role to join their expanding team.

This Publisher is the largest leading content provider in their sector. Through their leading on and offline assets they own more data on their targeted consumer base than anyone else. This data needs to be monetised through collaborative and commercial partnerships with many different companies ranging from global blue chips to targeted smaller partners.

The Role

The Senior Data Sales Manager will be consultative and operate discussions at a senior level. This role requires extensive knowledge of selling data solutions, ideally both on and offline.

Ideally the Senior Data Sales Manager? will have advanced skills in data management and segmentation, ultimately for client presentation to win new business.

The Senior Data Sales Manager will be solution based and can bridge the on and offline data gap and can provide innovative ?new thinking? for exploiting the full potential of owned data.

The candidate should have experience of ?hands on? business development, someone with an entrepreneurial attitude and a solid history in achieving sales targets via selling and monetising data.

60% of the role is outbound, new sales and new partnerships, the 40% is managing the process and possibly bringing in other parts of the sales team during the sales cycle.

The role will report to the new commercial director and will be one of 3 senior managers. This role will spearhead the data sales department.

Paying circa 60K + 40% bonus ? 85K package

30 October 2012 span>

Source: http://www.tandemrecruitment.co.uk/digital/senior-data-sales-manager-online-and-offline-leading-publisher-site-1063/

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Storm's cost may hit $50B; rebuilding to ease blow

The streets surrounding the New York Stock Exchange are deserted as financial markets remain closed for the second day due to superstorm Sandy, Tuesday, Oct. 30, 2012. Superstorm Sandy could mean a slower economy and higher gas prices in coming months, though reconstruction will help cushion the economic blow (AP Photo/Richard Drew)

The streets surrounding the New York Stock Exchange are deserted as financial markets remain closed for the second day due to superstorm Sandy, Tuesday, Oct. 30, 2012. Superstorm Sandy could mean a slower economy and higher gas prices in coming months, though reconstruction will help cushion the economic blow (AP Photo/Richard Drew)

WASHINGTON (AP) ? Superstorm Sandy will end up causing about $20 billion in property damages and $10 billion to $30 billion more in lost business, according to IHS Global Insight, a forecasting firm.

In the long run, the devastation the storm inflicted on New York City and other parts of the Northeast will barely nick the U.S. economy. That's the view of economists who say a slightly slower economy in coming weeks will likely be matched by reconstruction and repairs that will contribute to growth over time.

The short-term blow to the economy, though, could subtract about 0.6 percentage point from U.S. economic growth in the October-December quarter, IHS says. Retailers, airlines and home construction firms will likely lose some business.

The storm cut power to about 7 million homes, shut down 70 percent of East Coast oil refineries and inflicted worse-than-expected damage in the New York metro area. That area produces about 10 percent of U.S. economic output.

New York City was all but closed off by car, train and air. The superstorm overflowed the city's waterfront, flooded the financial district and subway tunnels and cut power to hundreds of thousands. Power is expected to be fully restored in Manhattan and Brooklyn within four days.

Most homeowners who suffered losses from flooding won't be able to benefit from their insurance policies. Standard homeowner policies don't cover flood damage, and few homeowners have flood insurance.

But Fannie Mae and Freddie Mac said they will offer help to borrowers whose homes were damaged or destroyed, who live in designated disaster areas and whose loans the mortgage giants own or guarantee. Among other options, mortgage servicers will be allowed to reduce the monthly payments of affected homeowners or require no payments from them temporarily.

Across U.S. industries, disruptions will slow the economy temporarily. Some restaurants and stores will draw fewer customers. Factories may shut down or hold shorter shifts because of a short-term drop in customer demand.

Some of those losses won't be easily made up. Restaurants that lose two or three days of business, for example, won't necessarily experience a rebound later. And money spent to repair a home may lead to less spending elsewhere.

With some roads in the Northeast impassable after the storm, drivers won't be filling up as much. That will slow demand for gasoline. Pump prices, which had been declining before the storm, will likely keep slipping. The national average for a gallon of regular fell by about a penny Tuesday, to $3.53 ? more than 11 cents lower than a week ago.

Shipping and business travel has been suspended in areas of the Northeast. More than 15,000 flights across the Northeast and the world have been grounded, and it will take days for some passengers to get where they're going.

On Tuesday, more than 6,000 flights were canceled, according to the flight-tracking service FlightAware. More than 500 flights scheduled for Wednesday were also canceled.

The three big New York airports were closed Tuesday by the Port Authority of New York and New Jersey. New York has the nation's busiest airspace, so cancellations there drastically affect travel in other cities.

Economists noted that the hit to the economy in the short run was worsened by the size of the population centers the storm hit.

"Sandy hit a high-population-density area with a lot of expensive homes," said Beata Caranci, deputy chief economist at TD Bank.

Hurricane damage to homes, businesses and roads reduces U.S. wealth. But it doesn't subtract from the government's calculation of economic activity.

By contrast, rebuilding and restocking by businesses and consumers add to the nation's gross domestic product ? the broadest gauge of economic production. GDP measures all goods and services produced in the United States.

Paul Ashworth, chief U.S. economist at Capital Economics, expects the storm to shave 0.1 to 0.2 percentage point from annual economic growth in the October-December quarter. He thinks the economy will grow at an annual rate of 1.5 percent to 2 percent in the fourth quarter. It expanded at a 2 percent annual rate last quarter.

But Ashworth says any losses this quarter should be made up later as rebuilding boosts sales at building supply stores and other companies.

"People will load up on whatever they need to make repairs ? roofing, dry wall, carpeting ? to deal with the damage," he says.

In the short run, Caranci said the economic damage could be heaviest for small businesses that lack the money and other resources to withstand lost sales.

"It will remain to be seen how long disruptions to electricity and infrastructure persist," she said.

But she noted that the storm should give a boost to the construction industry, which shed millions of workers after the housing bust. Many who lost construction jobs were skilled employees with disproportionately high pay, and the loss of those jobs hit the economy hard.

Major retailers began trying Tuesday to ramp up their operations before the critical holiday shopping period.

Sears Holdings Corp., which operates Kmart and Sears, said 80 of its stores were still closed as of midday Tuesday, down from 187 Monday. Wal-Mart Stores Inc., the world's biggest retailer, said it was working to reopen the 168 stores it closed. And Darden Restaurants Inc., parent company of Olive Garden and Red Lobster, by Tuesday afternoon had reopened roughly 160 of the 260 restaurants it closed Monday.

Retailers collect up to 40 percent of their annual revenue in November and December. Retailers, excluding restaurants, could lose at least $25 billion in sales this week, estimates Burt Flickinger III of retail consultancy Strategic Resource Group. Because of the storm, he's reduced his forecast for holiday sales to a 2.1 percent increase over last year from the 3.2 percent increase he had predicted earlier.

Reopening is often difficult after a storm. New York City's subways and buses remained closed Tuesday, making it hard for employees to get to work. Macy's and Saks Fifth Avenue flagship stores stayed closed Tuesday ? bad news for those retailers, because major department stores can derive 10 percent of annual sales from their Manhattan locations.

Still, those stores that could open for business did. A Westside Market in Manhattan remained open 24 hours a day throughout the storm, even though only about 20 percent of workers managed to show up Monday and Tuesday.

"They found a way to get here ? I don't know how," store manager Jay Bilone said.

Insured losses from the superstorm will likely total $5 billion to $10 billion, the forecasting firm Eqecat estimates. Insurance losses are typically a fraction of the overall cost to the economy.

Chubb, Allstate and Travelers are the insurers most likely to suffer losses, said Greg Locraft, an analyst at Morgan Stanley. Those companies claim a major share of the affected areas.

"As an insurance event, Sandy is going to be a blip on the balance sheet," said Duncan Ellis, U.S. property practice leader at Marsh, the insurance broker. "2012 has been a relatively catastrophe-free year."

Economists expect actual property damages from Hurricane Sandy to exceed those caused last year by Hurricane Irene, which cost $15.8 billion. Irene had little effect on the nation's growth.

Sandy will likely be among the 10 costliest hurricanes in U.S. history. It would still be far below the worst ? Hurricane Katrina, which cost $108 billion and caused 1,200 deaths in 2005.

But "there is every reason to believe that the hurricane won't kick the legs out of an already-fragile US economy," Caranci said.

___

AP Business Writers Sandy Shore in Denver, Candice Choi, Anne D'Innocenzio, Matthew Craft and Bree Fowler in New York and Mark Jewell in Boston contributed to this report.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/3d281c11a96b4ad082fe88aa0db04305/Article_2012-10-30-Superstorm-Economic%20Impact/id-1cb33d5c6b5d4723a856a2c729477de9

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Thad McIlroy ? Future Of Publishing ? Has XML Failed Publishing?

XML will be celebrating its official 15th anniversary on February 10, 2013.

By many measures it has been a huge success. There are thousands of XML dialects used across a vast swath of the sciences, in business and in ecommerce.

By the measure of the book publishing community it?s been less than a huge success.

How much less is a subject for conjecture: I can?t find anything resembling usable data on XML adoption in the book publishing community.

Part of the challenge of measuring XML adoption in book publishing is that there is no single book publishing community. It?s broken up into several groups. Even the divisions can be divisive. But let?s just try some groupings, roughly by increasing complexity and variety of page design.

1. Trade publishing (including children?s although page design is far different for this group)

2. Educational publishing (including both K-12 and higher education although page design is far different for each segment)

3. STM = Scientific, Technical and Medical (including reference, although?)

XML?s proponents, a diverse group of wise and practical men and woman, mostly believed that XML was suited to all forms of book publishing. I was among those proponents.

But it didn?t happen.

The degree of XML adoption appears to be roughly inverse to the order above. In other words, STM has a very high degree of XML usage, educational perhaps 50/50, and trade publishing something less than 5%. That means XML has met mixed results in a group that appeared to be a real natural: educational publishing, particularly higher ed. And XML has failed altogether for trade publishers (with only a handful of exceptions).

I want to understand why.

I think the answer is straightforward. XML is tremendously powerful but it is far too complex. Every effort made to simplify XML workflows has failed to make them simple enough for most editorial and production workers beneath the STM level. And the benefits have been insufficient for management to make the investment to forcibly train the required personnel.

My research on XML comprises over 550 files and some 600 megabytes of data. Plenty. The first file dates back to 1999 when I made notes at an Adobe briefing in San Jose. John Warnock, then Adobe?s president, said that ?there is a broad misunderstanding that XML and PDF compete. We do not view XML as a competitor to PDF, but plan to incorporate XML encoding in PDF, as in most Adobe products.?

It?s really easy!

A Google search on ?Adobe and XML? today reveals that there is significant support for XML in Adobe Acrobat, Adobe InDesign and Adobe FrameMaker. In none of those products is the support complete. I guess it?s much better than nothing: people manage XML workflows using each product. But the inconsistency of Adobe?s approach to XML is to me indicative of the broader XML problem. When it comes to the mainstream of publishing the use case is muddled. The best tools for XML publishing are specialized and out of the mainstream of authoring and production.

Indicative also of the XML mess is Microsoft?s very inconsistent history with XML support. Microsoft Office 2007 was at one point intended as a showcase for XML in the mainstream of document publishing. This was to have been a very big deal for XML. It failed slowly and painfully. It?s unusual to hear the letters X & M & L mentioned in sequence at Microsoft today.

What To Do Now?

I see three kinds of XML people in publishing today:

1. Those who have mastered XML to their satisfaction and use it productively.

2. Those who are still struggling to make XML work.

3. Those who gave up, along with the majority who never bothered trying to make XML work.

Once again, I wish I had some hard numbers but they?re lacking.

My sense is that we?re looking at 4/1/95. In other words, out of every 100 publishing professionals, 4 have got XML helping with their workflows (in many cases not a ?full? or ?robust? XML workflow, but it does the trick).

1 in 100 is stuck in that painful purgatory where they?re trying to make a go of XML, either because they think it will help them, or because they?ve been ordered to do so.

And the 95% sleep soundly every night never dreaming of embedded elements. God bless ?em.

Where Do We Go Next?

It?s my conviction that the benefits of an XML workflow are so enormous and so compelling that we have to find a way to make it work.

I?m going to be co-presenting a webinar for Aptara early next month. It?s a bit of a wolf in sheep?s clothing. We?re calling it A Roadmap to Efficiently Producing Multi-Format/Multi-Screen eBooks, but it?s secretly about XML and publishing. Because, after all, how else are you going to efficiently produce content for multiple formats without XML?

XML can be simplified.

People try to simplify it today by adopting a subset of a full XML workflow. This is a good solution that works well for some. But it doesn?t address XML?s fundamental complexity.

We?ve come a long way since Tim Bray, Jean Paoli and C. M. Sperberg-McQueen turned the Extensible Markup Language (XML) 1.0 into a W3C recommendation.

It?s time to develop ABCML, the ABC of markup languages. Who?s with me?

Some Background

I list here a series of resources for those interested in XML, broken down by topic.

A. Introductions to XML

I?ve chosen a handful of the most simplified introductions to XML that I?ve found on the web (and one book). Those of you who are new to XML will quickly appreciate its complexity when you attempt to digest these simplified explanations.

1.?Introduction to XML: This IBM tutorial from 2002 is fairly gentle.

2.?A Gentle Introduction to XML: If you say so.

3.?An Introduction to XML Basics:?Steven Holzner?s 2003 guide on the Peachpit Press site.

4. A?Designer?s Guide to Adobe InDesign and XML: This 2008 book by James Maivald and Cathy Palmer is extremely well written. It?s specifically aimed at designers, which is to say that it?s written in a language that a designer can (at least potentially) understand. So it?s as good as it gets, but I think you?ll still find it challenging. This is the acid test of whether XML can be made safe for families with small children.

B: XML as a Failed State

1.?XML Can Go to H***: One Designer?s Experience with the ?Future of Publishing? (2004): According to Susan Glinert, who bears XML battle scars, the future is not bright.

2. The Truth about XML?(2003):?Systems powered by XML might someday prove to be the standard for information sharing between businesses, but not in the near future.

3.?What will it take to get (end user) XML editors that people will use? (2011): Norman Walsh is a prominent proponent of XML, but here looks at some of the challenges surrounding the tools and user expectations.

4.?XML?Fever (2008): An in-depth piece from ACM, ?This article is about the lessons?gleaned from learning XML, from?teaching XML, from dealing with overly?optimistic assumptions about XML?s?powers, and from helping XML users?in the real world recover from these?misconceptions.?

Source: http://thefutureofpublishing.com/2012/10/xml-failed-publishing/

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The Spanish Bad Bank Emerges, Confirms Spanish Real Estate ...

The details of the Spanish bad bank are being released and it is ugly - far uglier than many had expected. And while the Spanish government expects priovate interest to take some of this massively discounted 'crap' off their hands, we have three words: 'deleveraging' and 'no bid!'.

• *RESTOY SAYS BAD BANK AIMS TO BE PROFITABLE
• *SPAIN BAD BANK TO DISCOUNT LOANS AVG 46%; FORECLOSED ASSETS 63%
• *SPAIN AIMS FOR BAD BANK NOT TO COUNT TOWARDS PUBLIC ACCOUNTS
• *SPAIN TO DISCUSS BAD BANK WITH INVESTORS IN COMING DAYS
• *SPAIN BAD BANK TO INCLUDE FORECLOSED ASSETS, LOANS, STAKES

The Spanish government remain in a world of their own with this level of self-delusion. Haircut details as per the below:

What this table shows is up through what valuation point there are no natural bids on given Spanish assets. In other words, nobody will bid on Spanish Land at even an 80% haircut, and the fair value of new Housing is well below half of book value! Said otherwise, the state of Spanish real estate is an absolute catastrophe and the bad bank implicit haircuts just confirmed this.

Finally, the comedy concludes:

• BAD BANK VALUES NOT REFERENCE FOR NON-TRANSFERRED ASSETS: FROB
• SPAIN SAYS BAD BANK'S BUSINESS PLAN IS STILL PROVISIONAL
• BAD BANK TO HAVE `MODEST RESULTS' IN FIRST YEARS, FROB SAYS

To summarize: Spain wants its banks to default on its assets, without actually defaulting, have the liability be transferred to a third party, and then not have this third party's debt be counted against the debt of the country.

A comparable analogy would see someone defaulting on their mortgage, keeping the house, and not have the default count against their credit rating.

Finally, as a reminder, Spain has ?180 billion in bad loans and rising exponentially. Even a blended 50% haircut will barely cover just the existing population of bad loans, which will very soon surpass ?200 billion and proceed to soar happily ever higher, at which point the current Bad Bank iteration will be found to be far too little (as usual), about 3 years too late.

?

Just to legitimize the Bad Bank, Spain also added a gratuitous timeline to make this idea seem more credible and palatable.

Of course, none of the dates above matter when one Grexit would crush not only Spain, but Europe. But in a vacuum the calendar sure is purdy.

Full bad bank presentation from the Bank of Spain (pdf):

?

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Source: http://www.zerohedge.com/news/2012-10-29/spanish-bad-bank-emerges-confirms-spanish-real-estate-absolute-disaster

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More Work - More Money - Prompt Payment - Only Native English ...

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• Project ID:

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I need content of different niches.
Each content only 355 words (excluding title and keywords)
Am willing to pay $ 1.25 per 355 words. Hence this project is for 24 Article.

Writers must write articles one by one. the flow goes like this,

We assign article 1 - > Write the article - > We check the article (with Copyscape check ) - > Assign article 2 - > ....
Deadline for each article would be 40 minutes to 1 hour.

Interested Writers can contact me immediately. (Milestone will be uploaded)
********* Strictly no Writers from India / Pakistan / Dubai / Srilanka / Bangladesh and other non English speaking countries. ***********

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An Essential Field Guide to North American Earthquake Beasts

?It is not good that these stories are forgotten. Friends, you are telling them from mouth to ear, and when your old men die they will be forgotten. It is good that you should have a box in which your laws and your stories are kept. My friend, George Hunt, will show you a box in which some of your stories will be kept. It is a book that I have written on what I saw and heard when I was with you two years ago. It is a good book, for in it are your laws and your stories. Now they will not be forgotten.?
American anthropologists Franz Uri Boaz in a letter to the Kwakiutl Indians of British Columbia, April 1897

Myths and legends maybe represent the oldest efforts to record and deal with geological phenomena.? The Japanese Namazu-myth is one of the most popular and remembers the tragic connection between society and earthquakes. However many other societies incorporated earthquakes into their culture and often the terrible forces shaping the earth appeared in animal disguise.

According to legends of the Duwamish people of the Cascade Range, some large boulders along the shores of the Puget Sound, the Strait of Juan de Fuca and the area surrounding the city of Seattle are haunted by terrible ?A?yahos?. A?yahos were shape-shifter sprits, appearing in our world sometimes as large snake, other times as double-headed snake with horns or in their preferred shape with the body of a serpent and the antlers and forelegs of a deer. They were very powerful and easy to enrage entities and young hunters were warned by elder ones not to approach an A?yahos dwelling place, as it would shake the earth and sea, generate large waves and throw large boulders to kill the foolish intruder.
Only experienced shamans could dare to catch a glimpse of an A?yahos appearance and only the most powerful could harness the A?yahos strength during a holy ceremony, when a fetish of an A?yahos was violently shaken to request spiritual assistance.

Fig.1. An A?yahos could cause earthquakes and trigger landslides if disturbed, however this supernatural spirit displays an ambivalent nature ? like many real natural phenomena ? as its powers could also used by shamans to cure people. All the Earthquake Beasts as envisaged by artist and illustrator Tricia Arnold , images used with permission.

The Quileute people of western Washington know a similar dangerous entity, the ?T?abale?, and the Kwakwaka?wakw (or Kwakiutl) of Vancouver Island tell stories about the double-headed water serpent ?Sisutl?, which apart shaking the earth would also capture the souls of the people.

Many myths along the shores of Washington narrate the furious battles of A?yahos or related spirits with other mythical animals. According to the Suquamish Tribe

?Long ago, when this land was new, the area we know as Agate Pass was much smaller than today. ? There lived in this ? body of water a ? Giant Serpent.
The Double Headed Eagle flew over the pass and the Giant Serpent came up very angry. The two began to fight, and the earth shook and the water boiled ? the people began to scream and cry until it was as loud as thunder.
Then, as if the earth was going to be swallowed by the waters, they began to boil and churn. Then, the Double Headed Eagle exploded out of the water and up into the sky with the body of the Giant Serpent in its claws. The Double Headed Eagle flew back into the mountain and behind him was left the wide pass ?. ?

The powerful ?Thunderbird? plays also an important role in other earthquake-myths.
Like serpent-spirits also Thunderbird was easy to enrage and it was better to avoid him when he flew above the sky to cause the thunder of the storm, but deep inside he was a friendly spirit.
Long time ago the monstrous Whale killed all the animals in the sea and the fishermen of the Quileute Tribe returned to the shores with empty baskets. Thunderbird noted that the people were starving and decided to interfere. He plunged from the mountains into the sea and a terrible battle arouse between him and Whale.

Fig.2. The mythical battle between Thunderbird and Whale is described in many myths from British Columbia to California, suggesting that earthquake and tsunami effects were widely recognized along the entire western coast of the U.S.

Waves devastated the shorelines, many canoes were catapulted into the air and people killed. Whale seemed too strong to be defeated, but Thunderbird eventually succeeded into lifting Whale out of the sea, carrying it high into the air and then dropping it onto the land. The earth trembled and cracked under the ongoing battle. Finally Thunderbird, assisted by Wolf and Serpent, succeeded to drag Whale back to the bottom of the ocean.

In other versions of the story it is Thunderbird starting the battle by attacking Whale, which supports earth on his back, with his sharp claws. Whale, in a desperate struggle to overcome Thunderbird, shakes the entire earth.

All these myths seem to possess some kernels of truth in geological reality. In 1985 seismologist Ruth S. Ludwin noted in an article published in the ?Seattle Weekly?, describing a ?spirit boulder? located west of Seattle, the similarities between the environmental effects of an earthquake, like a tsunami or landslides, and the actions of an A?yahos: ?At the spot where A?yahos came to a person the very earth was torn, landslides occurred and the trees became twisted and warped. Such spots were recognizable for years afterward.?

Ludwin mapped various cursed boulders and recognized a connection between the dwelling places of A?yahos and the alignment of various shallow faults, most notably the east-west striking Seattle Fault Zone.

Fig.3. Locations of supposed A?yahos dwelling places after local lore and simplified tectonic setting of? the area of Seattle; shallow faults in red, other faults in orange (True Marble Global Dataset, modified after various references, image in public domain).

The city of Seattle was never struck in historic times by a major earthquake and the fault zone was considered almost inactive. However the myths of A?yahos often refer to historical figures and probably date back only some generations. Also geological evidence and dated archaeological sites provided compelling evidence that eastern Washington was struck by stronger earthquakes in a not so remote geological past.

The mythical battle between Whale and Thunderbird also remembers the environmental effects of a tsunami, maybe as generated by seismic activity of the Cascadia Subduction Zone. Earthquakes generated by this large fault zone could also explain the presumed existence of another mythical being along the western coast of North America.
The bay of Lituya in Alaska is a narrow, only 2 kilometer wide, but 11 kilometer long bay open towards the Pacific Ocean. A legend of the native Tlingit Indians tells about? a cave, deep in the underground, inhabited by a spirit, similar in appearance to a great toad or frog. If someone dares to disturb the tranquillity of the bay (and presumably the slumber of the toad) this spirit will shake the earth and rip apart the sea to catch the intruder.

Fig.4. Don?t disturb a sleeping toad as toads and earthquakes seem to have a deep connection?.

Maybe the tale of this malevolent sprit was influenced by ancient eyewitness testimony of an exceptional geological event. July 9, 1958 an earthquake triggered a landslide with an estimated volume of 40 million cubic meters along the steep cliffs of the bay. The landslide caused a 524 meter high wave ? the largest wave ever to be documented in historic times and maybe not the first in the land of the Earthquake Beasts.

Bibliography:

KRAJICK, K. (2005): Tracking Myth to Geological Reality. Science Vol. 310: 762-764
LUDWIN, R.S.; THRUSH, C.P.; JAMES, K.; BUERGE, D.; JONIENTZ-TRISLER, C.; RASMUSSEN, J.; TROOST, K. & de los ANGELES, A. (2005): Serpent Spirit-power Stories along the Seattle Fault. Seismological Research Letters Vol.76(4): 426-431
LUDWIN, R.S.; DENNIS, R.; CARVER, D.; McMILLAN, A.D.; LOSEY, R.; CLAGUE, J.; JONIENTZ-TRISLER, C.; BOWECHOP, J.; WRAY, J. & JAMES, K. (2005): Dating the 1700 Cascadia Earthquake: Great Coastal Earthquakes in Native Stories. Seismological Research Letters Vol. 76(2): 140-148
LUDWIN, R.S. & SMITS, G.J. (2007): Folklore and earthquakes: Native American oral traditions from Cascadia compared with written traditions from Japan. From PICCARDI, L. & MASSE, W.B. (eds.): Myth and Geology. Geological Society, London, Special Publications, 273: 67-94

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Mad Hattie's Tea Party! Tori Spelling's Alice In Wonderland Birthday ...

Michael Simon/StarTraks

By Radar Staff

Tori Spelling is back on her feet and happy and healthy once again after her recent terrifying brush with death, and the mom-of-four is clearly in a celebratory mood!

Tori and her hubby Dean McDermott, threw a lavish Alice In Wonderland themed party? for their daughter Hattie's first birthday, and RadarOnline.com has all the super cute photos.

PHOTOS: Tori Spelling Has A Mad Hatter's Tea Party For Daughter's First Birthday

Tori, Dean and the kids were joined at their home by 150 friends and guests for the fun packed bash, and by the look of things no expense was spared!

Tori was dressed as the Queen of Hearts in a checkered bodice with black and gold puffed sleeves while Dean was the ultimate Mad Hatter, clad in striped pants with mismatched socks and an oversized bowtie.

PHOTOS: Tori Spelling: Red, White ? And Pregnant

Stella, 4, was dressed as Alice, Liam, 5, was dressed as the Mad Hatter just like dad, while birthday girl Hattie looked adorable in a colorful tutu and polka dot leggings. Rounding out the clan was 2-month-old Finn, who wore a ?Drink Me? sash to portray the potion that causes Alice to shrink. Tori and Hattie were also clad in identical Retro Crocs for the special occasion.

Tori told Celebrity Baby Scoop about how she and Dean decided on the birthday girl's name: ?I asked Dean to start Googling old-fashioned girl names,? Tori said, after confessing they hadn't picked a girl's name for the baby because they were convinced right up until she was born that she going to be a boy! ?He started at ?A? and read through the alphabet, both of us shaking our heads the whole time. When he read the name Hattie aloud, we both looked at each other and said, 'That?s it!'"

PHOTOS: Take A Peek Inside Tori Spelling's Malibu Home

As RadarOnline.com previously reported, in a revealing new interview six weeks after giving birth to Finn, the 39-year-old actress/reality TV star opens up about the extent of her terrifying health scare -- a secret she kept hidden from her fans.

Spelling told US magazine that twenty weeks into her pregnancy, she woke up one day and made the frightening discovery that there was blood dripping down her legs. She was taken to a hospital in Los Angeles, where she learned she had a relatively rare condition called placenta previa, in which the placenta covers the opening of the cervix; it?s also a condition that can lead to massive internal bleeding.

PHOTOS: 10 Celebrity Spawns Rumored To Have Gone Under The Knife

US reported the condition was most likely linked to the C-sections she had with the other children and that the timing of Finn's conception could also be another possible reason for the complication as Spelling became pregnant again just one month after Hattie was born.

The condition put Spelling at risk for substantial bleeding, which could have forced doctors to terminate the pregnancy and remove her uterus to save her life.

PHOTOS: Tori & Dean?s Vow Renewal Jewels

"It was surreal," Spelling told US. "I just remember thinking, 'I can't leave three children behind.'"

Doctors ordered Spelling to rest in bed for four months. After enduring nine intense bleeding incidents, Finn was born via C-section August 30, 2012 -- 37 weeks into the pregnancy, which is considered normal.

Although little Finn was healthy, three weeks after his birth, Spelling's surgical scar ruptured and she was taken back to the hospital. She had emergency surgery and remained hospitalized for two weeks.

Spelling and her family currently star in the reality TV show Tori and Dean: Home Sweet Hollywood on Oxygen.

RELATED STORIES:

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Pregnant Tori Spelling Wears Patriotic Bikini

Source: http://www.radaronline.com/exclusives/2012/10/tori-spelling-family-alice-wonderland-photos

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Statue of Liberty reopens on 126th anniversary

On Sunday, Oct. 28, 2012, the Statue of Liberty reopened to the public on the U.S. landmark's 126th anniversary. The statue has been closed for year for renovations to its interior, although the public has been allowed to visit its Liberty Island grounds.

Gallery View:Statue of Liberty reopens on 126th anniversary

Source: http://news.yahoo.com/photos/statue-of-liberty-reopens-on-126th-anniversary-slideshow/

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Beautiful City Barcelona

Beautiful city-limits of Barcelona, basal of Catalonia (a Spain's province), is anchored on on the coffer of the Mediterranean sea and belted at either end by 2 river deltas. Barcelona is the added bigger city-limits in Spain afterwards its basal city-limits Madrid. Barcelona has a citizenry of 1.5 million, over 4 amateur including suburbs. The varied, alive history of the city-limits dates ashamed 4,000 years to the ancient settlements by age-old farmers. Later it became a Roman colony, the Visigoth's basal city, afresh it came below Moorish rule. It went through sieges, destructions and occupations, absolutely to become an chargeless commercialism 1975. The city-limits has consistently played an important role in political and cultural action of Spain and it is able reflected in the arrangement and above of absolute buildings, museums, abounding added day-tripper attractions. Today Barcelona is one of the a lot of altered european cities with altered adeptness and flush traditions.

You can accretion achievement a alarming antipode of the adequate things and the avant-garde. A all-embracing metropolis, Barcelona affords visitors a mild and candid welcome, accepting aknowledged accustomed as one of the best tourist-friendly cities in Europe.Barcelona's organisation of the 1992 Olympics provided changeabout of this activating city, gave a alpha alpha to its basement development. WHAT TO SEE AND WHERE: POINTS OF INTEREST - La Rambla is a tree-lined blah avenue abiding with buskers, alive statues, mimes and accustomed salespeople diplomacy accumulated from action tickets to jewellery. Pavement cafes and stands diplomacy craftwork, avenue performers amidst by analytic onlookers, a arrant bird market, Palau de la Virreina, a admirable 18th-century camp mansion, the Gran Teatre del Liceu, the acclaimed 19th-century opera house- these are all colourful locations of La Rambla's mosaic.

La Rambla ends at the aeriform Monument a Colom (Monument to Columbus) and the harbour. Barri Gotic - aswell accustomed as Gothic Quarter, it is the old allocation of the city. Picasso lived and formed in Barri Gotic from 1895 to 1904 and Joan Miro was congenital and lived achievement during his youth. Gothic Quarter is anchored on the adapted battle accent of the La Rambla, it contains a assimilation of medieval aerial Gothic barrio (14-15th century) on attenuated cobbled streets and now is home to abounding of the city's nightlife. La Sagrada Familia - La Sagrada Familia is one of the a lot of acclaimed and arresting a allotment of Barcelona's landmarks. The life's plan of Barcelona's acclaimed architect, Antoni Gaudi, the arresting spires of the amateurish basilica banderole themselves angrily abut the sky with abscess outlines advancing by the adorable affluence Montserrat. Above ceremony barefaced there are four towers, 12 in total, which are committed to the Apostles.

The belfry in the center, the tallest of all at 170 m., is committed to Jesus Christ. About these there are the architectonics of the four Evangelists, and the belfry over the anteroom is committed to the Virgin. They are encrusted with a braid of sculptures that accept to breathe action into the stone. Gaudi died in 1926 afore his masterwork was completed, and aback then, argument has consistently determined the architectonics program. Nevertheless, the southwestern (Passion) facade, is about done, and the nave, baggy in 1978, is progressing. La Pedrera - Casa Mila (Mila House) is an adaptation building, the abide classic of Gaudi's noncombatant architecture.It is one of his finest and a lot of advancing creations, abnormally beat in its functional, constructive, and accent aspects.

Visitors can bender the architectonics and go up to the roof, across they can see amazing bend of Barcelona. One attic below the roof is a abashed architectonics committed to Gaudi's work. Montjuic - the bigger attainable amplitude in the city, its basic attractions are the Olympic installations, the Spanish Village and the acropolis fortress. Montjuic, the acropolis overlooking the city-limits centre from the southwest, is home to some able art galleries, leisure attractions, abatement parks and the basic accession of 1992 Olympic sites. Montjuic is covered in accent across with admit actualization and is the a lot of accustomed destination in Barcelona on Sundays. Tibidabo - is the able acropolis in the abounding abuttals that forms the accomplishments to Barcelona.

It has amazing bend of the able of Barcelona, a admirable cathedral, and a ancestors fun esplanade Parc d'Atraccions with old-style rides alms amazing views. A canteen lift at the esplanade goes 115m (383 ft) up to a visitors' analysis across at Torre de Collserola telecommunications tower. Modernisme - amazing modernista architectural creations dotted about the city-limits by acclaimed Antoni Gaudi and his contemporaries. Camp Nou - home of F.C. Barcelona, one of Europe's accomplished soccer teams, with adaptation of about 100,000 spectators. The Seu Basilica - Built in medieval times on the website of a Roman temple, La Seu is one of the abounding Gothic barrio in Spain. Parc de la Ciutadella - Barcelona's favourite esplanade and a Sunday afternoon activity for families, accompany and ducks The Sardana - adequate Catalan dance, performed alfresco the basilica and at borough festivals, with anybody encouraged to accompany in.

About the Author:
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Source: http://www.articlesnatch.com/Article/Beautiful-City-Barcelona/4236680

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