Five years of the Working Income Tax Benefit - Worthwhile ...

Quietly, without (much) fanfare, Stephen Harper's Conservative government has been gradually promoting a new model for income support programs: the Working Income Tax Benefit, or WITB.

On the face of it, WITB looks very similar to the Liberal government's signature program, Canada Child Tax Benefit (CCTB). Both WITB and CCTB provide cash support to low income households (in the case of CCTB, through the National Child Benefit Supplement). Taken together with other federal and provincial programs, they provide the poorest working families with thousands of dollars a year in income support.

The two programs, WITB and CCTB, share a number of basic goals. Both aim to reduce poverty, and improve people's lives. Both aim to reduce dependence on provincial social assistance programs, by making it possible for people to survive on low wage, part-time work, supplemented WITB, CCTB and other refundable tax credits, without resorting to welfare. Finally, by making work pay better than welfare, both programs encourage labour force attachment.

Yet WITB differs from CCTB in a number of respects. The first is how it is framed and marketed. The stated goal of WITB is to provide "tax relief for eligible working low-income individuals". This makes little sense, as?many of those eligible for WITB will pay no federal income tax. The WITB recipients who?do?pay federal income tax will find that WITB?adds? to their marginal effective tax rate, because an extra dollar of earnings will reduce their WITB payment. But I guess everyone wants a tax break, even people who don't pay much by way of taxes.

Second, WITB is available to low income singles and childless couples, as well as families with children. This matters because unattached people under the age of 65 are the Canadian demographic with??the greatest risk of having low incomes. Whether one looks at the numbers before or after taxes and transfers, singles under 65 have a higher rate of low income than single parent families, people over 65, or any other group. The WITB isn't much, but it's a start.?

The third important feature of the WITB is that it is conditional on undertaking some paid employment, at some point in the calendar year. The WITB is strutured as follows:

• Pople with no earned income receive no WITB.?
• For?each dollar earned over and above $3000 per year, WITB increases by 25 cents (under the national program - BC, Alberta, Quebec and Nunavut have their own programs, with slightly different rules)
• Benefits continue to increase with income they until reach the maximum: a benefit of $1762 per year for couples or single parents, a benefit of $970 per year for singles (2012 benefit numbers).?
• Recipients continue to receive the maximum benefits until their net income reaches $11,011 for singles, $15,205 for couples or single parents (in 2012).
• Once is net income threshold is reached, benefits are phased out at a rate of 15 percent.

In a picture:

The phase in and phase out levels are chosen to create the strongest work incentives for those who might otherwise be completely reliant on provincial social assistance programs. A key point to note is that WITB?differs fundamentally from National Child Benefit Supplement, which has no work requirements. A person with no earnings can claim just as much in National Child Benefit Supplement as someone with income of $15,000 a year.?

A final difference between WITB and child benefits (or other refundable credits such as the GST credit) is timeliness. People can apply to receive up to 50 percent their WITB payments in advance. This makes WITB into a much more effective anti-poverty measure: people can get benefits when they need them. By way of contrast, if a person loses her job in January, 2012, her child benefits will not adjust until June, 2013, considerably lessening the ability of child benefits to fight poverty and reduce reliance on social assistance.

WITB aims, in part to?encourage other Canadians to enter the workforce?(that "other" conveys a subtle message: you're hard working and deserve tax relief, other people need to be encouraged to work harder).?But is it effective? In theory, the effects of WITB on work incentives are ambiguous - the 25 percent subsidy for people earning just over $3,000 a year encourages paid employment, but the phase out adds to effective marginal tax rates, discouraging work effort.?

What about empirical evidence? I haven't been able to find any. William Scarf and Lei Tang have a paper in Canadian Public Policy?on the WITB. Like a lot of Canadian policy papers, it's a "pre-valuation"; an assessment, before the policy is actually implemented, of its probable impacts. They predict that a WITB-type policy would caused unemployment to fall by between 0.2 and 0.17 percentage points, and the average incomes of WITB recipients to rise by 3.9 to 8.6 percent.??Their model is interesting in that the the decline in unemployment is driven by efficiency wage type considerations. The idea is that WITB makes minimum wage employment more attractive (relative to the alternative of not having a job), so people exert more effort in minimum wage jobs, productivity increases, firms hire more minimum wage workers, and unemployment falls. I'm not sure if I buy their story - but I couldn't find any other ones out there.

Even though it is a small program, and it is hard to say anything concrete about its impacts, the WITB reveals a great deal about the workings of Canadian public policy.

First, there are those, including some who write regularly on this blog, who would like to see Canada introduce a negative income tax, or a guaranteed annual income. They would like to take the alphabet soup of programs - WITB, CCTB, NCBS, HST refund, GST refund, GIS... - and roll them all into one simple straightforward program. That will never happen, and the WITB shows why. Every government prefers taking credit for a new initiatives over enriching a program associated with their predecessors. Governments want programs that reflect their own values and priorities. They tweak program design to favour particular voting blocs, or to subtly encourage people to make certain types of choices. Even if we could magically create a guaranteed annual income tomorrow, the next budget would contain some new measure, an "announcable" that the current government could claim credit for.

The WITB also reveals a great deal about the way policies are evaluated in Canada. Why are there so few published evaluations of the WITB? One reason is that programs like the WITB are hard to analyze. A scientific experiment would randomly assign some people to receive WITB. Others, the "control group", would receive a "placebo" treatment. The difference between the two groups could be used to measure the impact of WITB. Yet because WITB was introduced in all provinces at the same time, there is no control group, no basis for comparisons. True, there are small differences in the structure of WITB across provinces - as noted above, BC, Alberta, Quebec and Nunavut have their own programs - and perhaps at some point some one will work out how to use those differences to assess the impact of WITB. But for now, we really can't tell how if WITB has been successful in its stated goal of encouraging work effort.

The other reason that there have been few evaluations of WITB is that no one has an incentive to carry one out. Academics are unlikely to try to assess the program. There have been so many studies of the US Earned Income Tax Credit that such programs are old news. A WITB evaluation would be hard to publish in a top journal - and top journal publications are what academics seek. Private consulting firms are profit-driven, and the money is in pre-valuations - policy makers will pay, prior to the implementation of a program, for an estimate of its probable effects. There is no incentive to find out what happens next.

What about governments? Perhaps there have been in-house evaluations of the WITB, but none have been made public (even the Department of Finance's tax expenditure analysis, usually so useful, has nothing). Since WITB was introduced in 2007, any positive effects of the program would have been swamped in the 2008 economic downturn, so I suspect it has been hard to find evidence of its success. This is another difference between the WITB and the National Child Benefit. The Liberal government published regular National Child Benefit Progress Reports. The present Conservative government has provided a series of reports on Canada's Economic Action Plan, but they are written in budget-speak, for example:

In 2012, if the WITB had not been introduced, a typical low-income single parent in Nova Scotia would have only kept about 28 cents of each additional dollar earned between $3,000 and $10,000, due to reduced benefits from federal and provincial income-tested programs and taxes. As a result of the enhanced WITB, the same family will keep about 53 cents of each additional dollar earned.

There is no mention of the increase in that single parent's tax rate when WITB is phased out...

Still, while WITB has value as a metaphor for Canadian public policy, it is vital not to lose sight of the bottom line: WITB provides support for some of the most vulnerable Canadians and, overall, this is a good thing.

Source: http://worthwhile.typepad.com/worthwhile_canadian_initi/2012/11/five-years-of-the-working-income-tax-benefit.html

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Health reimbursement arrangements (hras) vs. gap health insurance

Health Reimbursement Arrangements (HRAs) vs. GAP Health Insurance

Posted by JD Cleary on Fri, Nov 02, 2012 @ 08:07 AM

With the cost of employer-sponsored group health insurance continuing to rise, businesses are seeking solutions to help save on the cost of offering group health insurance.

One of the most common cost savings solutions for employers is to raise the deductible on their existing group health plan. Health Reimbursement Arrangements (HRAs) (for tax-free medical expense reimbursement) and GAP (or "bridge") health insurance plans are the two most common mechanisms to cover the added employee benefit exposure.

What is a Health Reimbursement Arrangement?

A Health Reimbursement Arrangement, is an IRS approved, employer-funded, tax advantaged employer health benefit plan that reimburses employees for out of pocket medical expenses. A health reimbursement arrangement is not health insurance. A health reimbursement arrangement is often referred to (incorrectly) as a health reimbursement account.

What is GAP Health Insurance?

GAP, or "bridge" health insurance premiums are paid to cover portions of out of pocket medical expenses under a group health insurance plan. ?Typically, an employer may pay (or allow employees to pay) for GAP health insurance to supplement a high-deductible group health insurance plan.

Health Reimbursement Arrangements vs. GAP Health Insurance

Health reimbursement arrangements are notional arrangements; no funds are expensed until reimbursements are paid. Through health reimbursement arrangements, employers reimburse employees directly only after the employees incur approved medical expenses.

GAP health insurance is an insurance premium, or expense, that an employer or employee incurs regardless of actual medical utilization. The premiums are paid to cover expenses that may happen over time.

Why Businesses Prefer HRAs

Businesses prefer HRAs to GAP health insurance for the following reasons:

1. No premiums are paid to a health insurance carrier with an HRA

2. Employers control all HRA reimbursements and plan design

3. An HRA can cover more eligible expenses than GAP insurance - see?HRA Eligible Medical and Insurance Expenses

4. HRA expenses are based on actual utilization, and the business keeps unused funds

5. Minimized administration hassle and employee confusion

?

Note: This should not be taken as legal or tax advice.

Source: http://www.zanebenefits.com/blog/bid/239671/Health-Reimbursement-Arrangements-HRAs-vs-GAP-Health-Insurance

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Restructuring costs push Alcatel into Q3 loss

PARIS (AP) ? Restructuring costs and lower sales have pushed telecoms equipment maker Alcatel-Lucent into a third-quarter loss.

Alcatel-Lucent said Friday it lost ?146 million ($188 million) in the July-September quarter. That's down from a ?194 million profit in the same quarter a year earlier. Sales also slid 2.8 percent to ?3.6 billion.

Alcatel-Lucent's stock price plunged on the worse-then-expected loss. By midmorning Paris time, the shares were down 6 percent at ?0.77.

The company is on-track to report another full-year loss in 2012, a mere year after it finally turned around steep losses stemming from the 2006 merger between France's Alcatel and Lucent of the U.S.

The Franco-American company is in the middle of a ?1.25 billion restructuring program aimed at cutting 5,500 jobs, ending unprofitable contracts and leaving, or reorganizing operations, in poor markets.

Chief Executive Ben Verwaayen said Alcatel is making "good progress" on the restructuring and was on track to complete the plan by the end of 2013.

Alcatel-Lucent supplies telecommunication carriers such as AT&T, Verizon and France Telecom. It competes with European rivals such as LM Ericsson AB of Sweden and Nokia Siemens Networks of Finland.

But it has struggled to turn a profit since the 2006 merger. Rounds of cost-cutting helped it make 2011 its first full-year profit since the tie-up.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/f70471f764144b2fab526d39972d37b3/Article_2012-11-02-France-Earns-Alcatel%20Lucent/id-1d5f2ae9ce26401c860b92acc87196e2

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Strengthen The Safety of Your Respective Laptop While Using The ...

In this technological age, practically every person features a home pc or laptop and as well as these advances have come consumers who invest a great deal of time developing viruses and malware with the express purpose of destroying files on your pc or your complete system. You need to know how to defend your pc from these kinds of attacks.

Malware

The first thing you need to know is exactly what malware is and just how you will get it on your pc. Malware is actually a simplified phrase that encompasses viruses, spyware and programs that install and/ or replicate themselves on your pc without your permission. Should you had been wondering why anybody would devote valuable time establishing this sort of software package the factors are as varied because the men and women building them. In some cases malware is utilised to track your movements on the web, this info can then be sold to advertisers who will target you with specific delivers according to this knowledge. Other occasions the motive is alot more sinister, an individual might possibly prefer to steal your personal data, crash your computer system or possibly a complete host of other items, that are detrimental. Bottom line, malware is negative and also you will desire to guard your laptop from it.

Protection

Your first line of defense against malware applications is your updates. Microsoft Corporation releases safety updates regularly which can be geared to preventing viruses along with other malware infections. Whenever you first get your pc and run the set up applications there must be an option to turn on automatic updates, if not this really is very easily completed via your manage panel. The actions will differ a little based on which version of Windows you might be operating but a common search will render the details you will need.

Anti-virus

An outstanding good quality anti-virus is needed for any laptop that can be put to use to surf the internet. You might have two choices for protection, buy or totally free. There is debate on which presents essentially the most protection having said that many individuals have made use of applications like Avast or AVG antivirus for years without any troubles. When you?re going to be handling a lot of personal financial accounts on line, you might want to select a plan that provides highest protection like Norton or one of several loads of commercial antivirus programs.
Ads

Not all malware will be classified as a virus, as talked about above; for this reason, an antivirus won?t guard you. Spyware, adware and Trojan horses can let access to sensitive facts and neither the updates nor the antivirus will eliminate them. Updates could possibly prevent them within the 1st spot but if a single slips in ahead of you get a crucial update you are in trouble. There are numerous applications offered that may routinely sweep your computer for malware of this sort. Like antiviral application, you can get both paid and cost-free versions.

Conclusion

They are but some from the most guidelines you?ll be able to use to maintain your personal computer protected. Other issues you might want to give some thought to are firewalls, avoiding malicious web-sites and taking care when opening e mail. The best rule on e mail is in case you tend not to know, the sender don?t open any attachments, period. Protecting your computer is very very important, in particular should you store personal information and facts or perform related projects on it, you can easily by no means be also careful in terms of malware.

For your data, Do You Know The Perfect Antivirus Attributes? Antivirus Program to Deal With The Destructive Effects Of Virus Infections can provide you with additional information on Most Computers Will Not Be Secured Versus Viruses, Malware, Trojans ? Use Antivirus To Safeguard Your Personal Computer. Visit the weblink for extra data!

Related posts:

1. Raise The Basic Safety of Your Respective Laptop With All The Greatest Antivirus Software Applications
2. Strengthen The Basic Safety of One?s Computer System With The Most Helpful Antivirus Software Package
3. Strengthen The Basic Safety of Your Personal Computer Considering The Leading Antivirus Software Package
4. Strengthen The Basic Safety of Your Computer System Considering The Leading Antivirus Software Package
5. Is Obtaining Antivirus Software Applications Obligatory? Ways To Choose The Very Best Antivirus Software Applications?

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Bloomberg endorses Obama for a second term, climate change a focus (reuters)

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Lower oil prices weigh on Shell in Q3

AMSTERDAM (AP) ? Royal Dutch Shell PLC has reported a 15 percent fall in core earnings in the third quarter, saying falls in the price of gas and oil more than offset gains stemming from cost savings and production increases.

The company said earnings on the industry standard "current cost of supplies" measure, which strips out the impact of fluctuations in the price of oil between when it is produced and when it's sold, were $6.13 billion, down from $7.24 billion in the same period a year ago.

However, prices were lower than a year ago, partly because of the global economic uncertainty.

Net profit was $7.14 billion, up slightly from $6.98 billion in the same period a year ago, reflecting one-time losses a year ago. Sales fell 8.9 percent to $112 billion.

Source: http://news.yahoo.com/lower-oil-prices-weigh-shell-q3-073818200--finance.html

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Russian Cargo Ship Launches on Halloween Mission to Space Station

A robotic Russian cargo vessel blasted off today (Oct. 31), carrying nearly 3 tons of supplies on a Halloween delivery mission to the International Space Station.

The unmanned Progress 49 spacecraft launched from Kazakhstan's Baikonur Cosmodrome at 3:41 a.m. EDT (0741 GMT) today and is slated to arrive at the orbiting lab six hours later. You can watch the rendezvous and docking activities live here on NASA TV, beginning at 9 a.m. EDT (1300 GMT).

Progress 49 is toting 2.9 tons of supplies, including 2,050 pounds (930 kilograms) of propellant, 926 pounds (420 kg) of water, 62 pounds (28 kg) of oxygen and 2,738 pounds (1,242 kg) of spare parts, NASA officials said. There's no word yet on whether any candy corn or miniature chocolate bars made it onboard to help the space station's six astronauts celebrate the season.

Life on orbit is always busy, but this week is particularly jam-packed for station crew.

For example, today's launch comes just three days after SpaceX's unmanned Dragon capsule left the station, wrapping up the first-ever commercial cargo mission to the $100 billion orbiting complex. Dragon splashed down in the Pacific Ocean off the Baja California coast on Sunday afternoon (Oct. 28).

Dragon will make at least 11 more flights to the station under a $1.6 billion contract that California-based SpaceX signed with NASA. Its next launch is currently scheduled for January, agency officials have said.

Dragon is unique in its ability to ferry hardware, supplies and scientific experiments both to and from the space station. All other cargo craft currently operating ? including Russia's Progress ships ? carry supplies to the orbiting lab but burn up upon re-entering Earth's atmosphere.

Shortly after welcoming Progress 49 to the station, crewmembers will turn their attention to another task. NASA astronaut Sunita Williams, commander of the orbiting complex's current Expedition 33 mission, and Japanese colleague Akihiko Hoshide will perform a spacewalk Thursday morning (Nov. 1).

Beginning at 8:15 a.m. EDT (1215 GMT) Thursday, Williams and Hoshide will venture to the port side of the station's backbone-like truss to repair an ammonia leak in a radiator. The spacewalk should take about 6 1/2 hours, NASA officials said.

Follow SPACE.com senior writer Mike Wall on Twitter @michaeldwall or SPACE.com @Spacedotcom. We're also on Facebook and?Google+.

Copyright 2012 SPACE.com, a TechMediaNetwork company. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.

Source: http://news.yahoo.com/russian-cargo-ship-launches-halloween-mission-space-station-075812049.html

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Stimulating brain cells with light

ScienceDaily (Oct. 26, 2012) ? Introducing a light-sensitive protein in transgenic nerve cells ... transplanting nerve cells into the brains of laboratory animals ... inserting an optic fibre in the brain and using it to light up the nerve cells and stimulate them into releasing more dopamine to combat Parkinson's disease. These things may sound like science fiction, but they are soon to become a reality in a research laboratory at Lund University in Sweden.

For the time being, this is basic research but the long term objective is to find new ways of treating Parkinson's disease. This increasingly common disease is caused by degeneration of the brain cells producing signal substance dopamine.

Many experiments have been conducted on both animals and humans, transplanting healthy nerve cells to make up for the lack of dopamine, but it is difficult to study what happens to the transplant.

"We don't know how the new nerve cells behave once they have been transplanted into the brain. Do they connect to the surrounding cells as they should, and can they function normally and produce dopamine as they should? Can we use light to reinforce dopamine production? These are the issues we want to investigate with optogenetics," says Professor Merab Kokaia.

Optogenetics allows scientists to control certain cells in the brain using light, leaving other cells unaffected. In order to do this, the relevant cells are equipped with genes for a special light-sensitive protein. The protein makes the cells react when they are illuminated with light from a thin optic fibre which is also implanted in the brain. The cells can then be "switched on" when they are illuminated.

"If we get signals as a response to light from the host brain, we know that they come from the transplanted cells since they are the only ones to carry the light-sensitive protein. This gives us a much more specific way of studying the brain's reactions than inserting an electrode, which is the current method. With an electrode, we do not know whether the electric signals that are detected come from "new" or "old" brain cells," explains Merab Kokaia.

The work will be conducted on laboratory rats modelling Parkinson's disease. The transplanted cells will be derived from skin from an adult human and will have been "reprogrammed" as nerve cells. Merab Kokaia will be collaborating with neuro-researchers Malin Parmar and Olle Lindvall on the project. The three Lund researchers have received a grant of USD 75 000 from the Michael J. Fox Foundation, started by actor Michael J. Fox and dedicated to Parkinson's research.

The light-sensitive protein is obtained from a bacterium, which uses light to gain energy. Since it is not a human protein, the safety checks will be extra strict if the method is to be used on humans.

"We know that this is long term research. But the methodology is interesting and it will be exciting to see what we can come up with," says Merab Kokaia.

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The above story is reprinted from materials provided by Lund University.

Note: Materials may be edited for content and length. For further information, please contact the source cited above.

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Disclaimer: This article is not intended to provide medical advice, diagnosis or treatment. Views expressed here do not necessarily reflect those of ScienceDaily or its staff.

Source: http://feeds.sciencedaily.com/~r/sciencedaily/~3/siMMFAg3fSQ/121026084356.htm

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Cataclysm

The world is what we see, right? Or are the layers that we cant see. Are we missing details? Things are moving, shifting, changing towards directions. There is no definite end. But there is an origin to a story. And this....this is our story.....

Owner:

Game Masters:

This topic is an Out Of Character part of the roleplay, ?Cataclysm?. Anything posted here will also show up there.

Topic Tags:

Forum for completely Out of Character (OOC) discussion, based around whatever is happening In Character (IC). Discuss plans, storylines, and events; Recruit for your roleplaying game, or find a GM for your playergroup.
This is the auto-generated OOC topic for the roleplay "Cataclysm"

You may edit this first post as you see fit.

POWER TO THE ROLE PLAYERS: Most Recent Roleplay

I am 33% evil, 33% insane, 33% role player, and 1% other (Note: Insane and Brilliant are the same thing!)
My test:

My Brothers Test: [CENTER]

Mr. Baneling Squishy

Member for 2 years

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Powerful Sandy Reaches Cuba (Voice Of America)

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Google Analytics Tips for Small Businesses

You?re a small business and you?ve got a decent website?but you?re not sure how it?s doing. What you need is Google Analytics (GA), but you?re not sure what to make of all the reporting options.

Don?t worry, I can help.

What?s Important in Google Analytics?

For a small business, the most complex reports aren?t going to matter as much as the bread and butter basic reporting features. Focus on what matters to your business. Most likely, this is going to be visits, pages, and referrals.

Visits

Find out your site?s traffic volume by looking into your visits. This report will be important to any small business, but especially those that are growing their brand. The visits report provides insight into your site?s visibility, performance, usability, and pageviews.

Pages

You need to know which page on your site is driving the most traffic and/or conversions. Using the ?All Pages? report, you can see this information as well as helpful data regarding pageviews, time on page, and bounce rate. This data can be used to evaluate your landing pages as well as determine potential areas for new content.

Referrals

Where are your website?s visitors coming from? Did you know that most small businesses get nearly half their traffic from Social Media. You can see how your referral traffic is coming from in GA.

Referrals are especially important for small businesses as they provide an opportunity for small businesses to reach out and embrace their primary audience: the community.

Providing content that is targeted at your local community is a good way to build traffic, brand awareness, and potential customers. The Referrals report will help you find your most active audience?then it?s up to you to reach out to them!

A Better Way to Monitor Google Analytics

Viewing this data regularly in Google Analytics is important. And since that process would be a lot easier if someone would just hand you the keys to a reporting system that you didn?t have to think about, I have done just that.

Here at Portent, we love small businesses so much, we decided to create a Small Business Dashboard for Google Analytics that you can download for free.

Install the dashboard in your Google Analytics profile.

Google Analytics Small Business Dashboard

Let?s go over a couple features of the Small Business Dashboard. First, it includes data for Visits and % New Visits. We chose to provide % New Visits because as a small business, new customers are going to be far more important than visitor retention and returning customers. You want people learning your name and coming into your store?you need new visitors.

Next, we included stats for Social Visits, Referral Visits, and Visits from Mobile Devices. We?ve covered Social and Referrals, but Mobile reporting is also becoming very important, as it accounts for at least 40% of local searches (Remember the last time you looked for a restaurant while driving down the freeway?).

We also have a tally for Goal Conversion Rate and a pie chart for Visits by Location. These are both customizable for your needs. Simply click the gear in the top right of these widgets and set them to the data you want to track. For now, Goal Conversion Rate is tracking all goals (you might just want one specific goal tracked) and Visits by Location is set to City (instead of Region if you?re in multiple states). Set these up however you?d like in order to get the most of the Small Business Dashboard.

My Free Webinar: SEO Tips for Small Businesses

If you?d like to learn more ways you can improve your small business? SEO and Analytics, you can join me for a free webinar on Thursday, October 25th at 11am PST.

Sign up here. Even if you can?t make it, I?ll still send you the recording and you can watch it later.

You can view the slides for the presentation below. You can also check out the link bundle of resources I mention.

Source: http://www.portent.com/blog/analytics/google-analytics-tips-for-small-businesses.htm

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Keep Handy Face Painting Books and Supplies at a Kids' Party

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Face painting as an art has evolved and gained huge popularity in the past few years. It has, however, been in existence since time immemorial

Face painting as an art has evolved and gained huge popularity in the past few years. It has, however, been in existence since time immemorial, a fact that we are reminded, often gruesomely, through those apocalyptic or horror films that seem to deal with almost nothing but prehistoric tribes and people that deal with singularly apocalyptic figures. This doesn?t come as too much of a surprise though, considering that there seems to have been a renewed interest in various forms of body art. Naturally, there are tattoo parlours and piercing centres opening up in every corner of the country, and it is tough to get by five people without coming across someone with at least a couple of piercings and sporting tattoos on every visible part of the body.
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Besides, a lot of people are also taking a lot of interest in doing these things themselves at home, especially face painting, which has led to an abundance of face painting supplies available in specialised shops and even in those establishments that deal with different kinds of body arts. This renews interest in body art has led to a lot of people wishing to learn these techniques by themselves too, which has led to a lot of people investing in courses that teach these various kinds of techniques.
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Naturally, it can also be seen that centres teaching such courses have also opened up. However, learning at home is also an option, which has led to a lot of people investing in courses right at home. However, one can also learn them without any professional help, especially face painting which is the easiest one to do without anyone else?s help, which has led to a lot of people buying face painting books.
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Face painting in itself is not at all an easy task, especially if one is attempting it on one?s own face. On the other hand, one would be astonished to see the number of unique designs on faces. One would be even more surprised to know that many of these are actually created not by professionals, but by mere amateurs. This is the beauty of face paint: it can be easily down and doesn?t cause too much of problems at all. The idea is especially great for a kids? party; all kids love to get their faces painted, and you can never run out of ideas while doing a face paint job on them. Just make sure that you have enough face painting supplies so that you don?t run out of them while still with twenty eager kids lined up.
Among children, almost every kind of face painting will find popularity. Therefore, it would never be too much of a problem to come upon ideas to keep things interesting. While cartoon characters are extremely popular, characters from well known kids? stories like Peter Pan and Captain Hook are will also find eager acceptance. Keep handy a couple of face painting books in case you find yourself becoming repetitive.
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Want to try a hand at body art, and looking for face painting supplies http://illusionmagazine.co.uk/ ? We have everything under the sun that you might need to perfect the art, and that includes face painting books http://illusionmagazine.co.uk/ ?as well to guide you in the right direction.

Source: http://malebits.com/entertainment/arts/keep-handy-face-painting-books-and-supplies-kids-party

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Sprint Q3 2012 Misses, Down $.26/Share On Revenues Of $7.3B, Reports 1.5M iPhones Sold

Sprint, newly acquired by Japanese SoftBank for $20.1 billion earlier this month, has just announced earnings results for the third quarter, perhaps showing just how fortunate this acquisition will be for the company. For the period ending September 30, the company reported negative EPS of $.26 on revenues of $7.3 billion, an increase of nearly 6 percent year-over-year. That’s down from revenues of $8.8 billion in Q2 2012. The company also reported an operating loss of $231 million. Sprint missed Wall Street expectations, as analysts estimated that Sprint would lose $.44 per share with revenues of $8.8 billion. As always the iPhone plays a central role in Sprint’s story, and this quarter the company says it’s activated 1.5 million iPhones. That’s flat from?1.5 million last quarter, and 40 percent of that represents new customers. Post-paid subscriber base grew with net additions of 410,000. Verizon and AT&T both just reported their third quarter numbers, with both selling a whopping 3.1 million and 4.7 million respectively. Obviously, Sprint can’t quite match these numbers just yet but the increase in post-paid subscribers compared to the same quarter last year is true evidence that the plan is working. An infusion from Japanese SoftBank would go a long ways, considering both companies have so much in common (the iPhone, LTE frequencies, a bronze medal or two). Sprint Nextel Corp. (NYSE: S) today reported wireless service revenues of nearly $7.3 billion during the quarter, an increase of nearly 6 percent year-over-year. Wireless service revenues for the Sprint platform grew 14 percent year-over-year driven by postpaid ARPU growth of $3.01 and continued subscriber growth. The company reported a net loss of $767 million and a diluted net loss of $.26 per share for the third quarter of 2012 as compared to a net loss of $301 million and a diluted net loss of $.10 per share in the third quarter of 2011. Sprint?s third quarter 2012 results include accelerated depreciation of $397 million, or negative $.13 per share (pre-tax), primarily related to Network Vision, including the expected shutdown of the Nextel platform. The Sprint platform postpaid subscriber base grew for the tenth consecutive quarter, with net additions of 410,000 driven by a postpaid Nextel recapture rate of 59 percent and best ever third quarter churn. Sprint recorded approximately 1.5 million iPhone? sales in the third quarter with 40 percent representing new customers. The company also surpassed 1

Source: http://feedproxy.google.com/~r/Techcrunch/~3/tTzCQbEJpPc/

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The Complete Guide to Business Blogging - Internet Business ...

Blogging has completely revolutionized communication. Both from a personal level to a full corporate overturn. Now businesses are publishing their news and updates through their own sites as opposed to the traditional method of PR.

But for a lot of businesses, the strategy of blogging can be unclear. How do you set goals? A schedule? Aim to get more content and comments? This below guide offers some great insight into each of those things, offering something for everyone, from the beginner just starting out all the way up to a social expert.

Click below to launch:

Click image to open interactive version (via Simply Business).

Rob Toledo

Lover of all things CSS3, Firefox, and online communities. He can be reached on Twitter @stentontoledo

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Posted by Rob on October 26, 2012

http://www.internet-business-revolution.com/the-complete-guide-to-business-blogging/

Source: http://www.internet-business-revolution.com/the-complete-guide-to-business-blogging/

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Best Health, Fitness and Weight Loss Apps [INFOGRAPHIC]

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Great Orange County Search Engine Optimization and Local SEO ...

?An internet site representing your small business is amongst the most prosperous way you can do for your organization. This is because the internet gathers millions of people and going online is the easiest way to tap into this source without having to spend huge money promoting a business. As of today, most companies have a webpage to represent their interest in the World Wide Web and this is how they increase their performance like sales and productivity.

But you will find nonetheless firms that happen to be somewhat modest and moving into the nationwide or worldwide scene is unfeasible inside their state. For individuals running small industry like bakery, flower shop or restaurant, they would rather concentrate locally since this is where their companies can really develop. Although they are relatively small, they can still utilize the technology provided by the World Wide Web to endorse their activity to the public even if the aim is only local. As big companies use SEO techniques to aid them in a global competition, small companies concentrating regionally can make use of local SEO solutions. SEO Services Orange County http://www.orange-county-seo.com

Local SEO makes use of basic strategies in promoting businesses within the surrounding area. This is more practical since small enterprise like plumbing services, local construction firms, and various shops are too small to compete worldwide. With that in mind a scaled down SEO strategy is the best solution for these types of passions.

Currently, there are numerous Seo strategies established for this class. An example of a scaled down approach is Google?s Places. Google Places is the latest innovation invented by Google?the most successful search engine online and this allows business owners to place their establishments on the map provided by Google. Once listed, Google can include your shop in their list.

Another localized SEO technique is to catalog your business details in famous online directories. Like a traditional yellow pages, web directories are now aimed for clients by means of the web to look and feel for knowledge. An supplementary method is to make use of reviews from various consumers since this will provide visibility to one?s business. You can dedicate a portion of your site for comments and this should help increase your online business.

Utilizing a general Website positioning strategy is a ideal choice for establishments by having a localized plan. This is how small businesses thrive in this highly advanced and competitive world.
Knowing the Basics of SEO Marketing

Even so, for those who aim to immerse your self with this targeted area, you are going to notice that internet marketing is simply not definitely as uncomplicated as nearly everybody perceive. This is due to the fact that internet marketing usually requires everyone to process this topic will systematic and precise pondering because most of the factors involved the following are seriously technical.

In the past, it is kind of hard to establish a website but today, you can actually start a webpage in as little as three easy steps. There are actually sites which offer webpage hosting and they would even help you make your own website for no cost. The hard part is actually maintaining once you have established your site. You have to maintain up along with the competitiveness because there is a lot of online websites operating from the the web and there can be numerous internet sites which can have exact same content as yours. This is often the key reason why why lots of organizations are actually having difficulties while in the Internet just to keep forward of the competition and for this make any difference, they need to use Search engine optimization marketing that can help them of their endeavor.

With that in mind, your site has to become popular and you can make this happen by increasing revenue and traffic and this will help increase site visibility in return. Precisely, Search engine marketing marketing is focused on generating sound and rational choice in serving to your brand get to the perfect most people from the Internet. Without this strategy, you and your business will be lost in the vast sea of websites.

Within the other hand, it is easy to suppose of Web optimization marketing like that of a standard strategy in spite of this mainly because this is certainly online, this system exploits most of the elements found in this matter and switch it for your site?s advantage. By making use of these components effectively the Search engine optimization marketer can occur up with all the most suitable tactics which could actually greatly enhance your website?s enterprise which is usually the beginning of one?s brand?s progression during the World wide web.

Millions of websites circulate the World Wide Web and thousands are popping each minute. This proves that internet technology is one of the best methods to enhance the potential of your business. Ultimately, adding Search engine optimization marketing towards the combine will definitely deliver your company in advance belonging to the competition as this marketing uses in-depth techniques which aims to consider your company on top.

Tags: seo

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Corsair Force GT SSDs put through their paces, have graphs to prove it

Instead of singling out one of Corsair's latest SandForce-equipped SSDs, the folks at StorageReview sussed out performance differences by putting each drive through the wringer. Though read / write specs are relatively uniform across the line, barring some slight dips in speed, they dug up a few juicy morsels of info that could benefit both frugal and performance-minded shoppers. In a read intensive gaming test, the 60GB entry drive performed similarly to the 480GB behemoth. Another notable result was a 60% jump in throughput between the 120GB and 180GB models. Keen on eking out the most performance-bang for your buck? Hop over to the source for the full skinny and a bevy of charts.

Corsair Force GT SSDs put through their paces, have graphs to prove it originally appeared on Engadget on Sat, 02 Jun 2012 05:44:00 EDT. Please see our terms for use of feeds.

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BPO | Business Process Outsourcing | Outsourcing Goes Beyond ...

Information that can make customer service faster and more efficient is contained in a variety of documents companies receive by mail ? warranty cards, product registration cards and new enrollment applications. But that information is only useful after the data is visible.

That visibility can come with business process outsourcing (BPO), which provides effective mailroom management and reporting through specialized dashboard tools and audit functionality. With an outsourced mailroom, the mail is opened, scanned and automatically classified and distributed to the required content management, ERP, archive or legacy system. In many cases, digital processing centers make it possible for information that arrives in the mail to be in the ERP and CRM systems within minutes of arriving in the mail.

Why Outsource?

Outsourcing ensures the automatic processing of customer information; and incorporating BPO into your mailroom process makes it easy to process supplier invoices or even extract customer data from application forms. If your product or customer data is not being processed quickly, or gets delayed in the mailroom, then consider implementing an inbound mail service.

The task of ensuring every document is delivered to the right person in an appropriate timeframe can be overwhelming. By outsourcing your mailroom activities, you gain a fully secure mailroom service that can receive mail in high volumes, convert it to a digital format, and distribute to the right place, at the right time.

Companies like BancTec?have developed inbound mail services that can make the processing of physical mail fast, accurate and efficient. With an impressive history of transforming traditional mailrooms into digital processing centers, BancTec has the capability to process large volumes of documents rapidly. Thus, mail processing and distribution costs are significantly reduced, information is distributed faster, and responses are activated automatically to quickly resolve customer questions.

Contact us today to learn more about business processing outsourcing with BancTec.

Tagged as: BPO, business process outsourcing, inbound mail services

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Know any good books on stepparenting? - Stepfamily Resources

I am about to get engaged to my divorced boyfriend, who has 50% custody of his 5 year old daughter. I have never been married or had children before, but I was a nanny. If anyone has read any good books about stepparenting, or has any insight to share from their own experience, I would appreciate it. My main concerns are not with the stepchild (our relationship is strong so far) but rather my role in the family. We do hope to have a child in the future as well.

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Here Are Some Ideas For The Very Best Home Improvement Tasks ...

Enthusiastic about undertaking a property advancement project? This article includes the best of the most effective tips to help with making your task much easier. Whether you plan to handle an important task, or you're looking to change out a few small light fixtures, you'll locate some advice by looking at the subsequent secrets of the pros.

To provide fashion for your surfaces without spending lots of money, suspend up household photographs. While art work could be expensive, image frames might be picked up in the affordable. Don't seem like you need to purchase an expert photoshoot. Even normal photographs chance by using a digicam can look very elegant when frameworked.

If you find that your electricity bills are over the top, think about possessing somebody come and check your home for efficiency concerns. Often you will see that your windows and doors have to be exchanged, and the new ones will pay for on their own right away with the cost savings in your warming monthly bill.

If every single cabinet, drawer, and compartment in your house is packed to capability, think about building a back garden storage space drop on the residence. These constructions add more considerable really worth towards the reselling worth of a property and are ideal for holding backyard implements, equipment, extra yard home furniture, and also other valuables which can be safely stored outside.

If you have repairs that should be done in your flat, plus your property owner is not performing them, it is possible to withhold your hire. Whilst there is no need to cover rent payments for people a few months, you have to put the funds in an escrow accounts and write a licensed message to your property owner outlining why.

If your kitchen looks old and put on lower, you should try putting a new drain in. A new basin can make your house seem instantaneously much better. New kitchen sinks come in a variety of refreshing colours, providing you with the opportunity add a touch of color to your cooking area.

Think about a room inclusion like a key home remodeling. You will not only add more room to your property, however, you will substantially increase the sq footage and value. By far the most profitable add-on to your home is surely an extra washroom, but although incorporating the lavatory add an extra room to boost value of your home.

A wonderful way to lessen your probability of mold development in your family is simply by ensuring your bath room is properly ventilated. Bathrooms that don't have a window or some sort of vent generally get steamy, but are not able to be free of humidity. At some point this humidness leads to extensive mold growth.

Prior to kicking away a serious redesigning venture it really is considerate for your property owner to satisfy with his or her neighbors and discuss the undertaking schedule. Living close to a building work is a authentic tenderness. Nearby neighbors will enjoy learning as soon as the best disturbance will probably be and just how lengthy it will go on.

When working with nails to participate timber surface areas, such as individuals in entrance support frames, try strengthening them with fasten or liquid nails. By doing this, the timber will likely be established with a much tighter link than usual and improve the caliber of your design, which will final for quite some time without resorting to frequent improvements.

Now, naturally, not everybody available is wanting to offer their residence. Some individuals would like to make upgrades to improve issues close to. Everywhere you fall in your house development range, make sure to read through this write-up closely and to use these recommendations to help you. They just may assist you in getting from a jam.

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NJ State Senator Lesniak online gambling interview

New Jersey State Senator Raymond Lesniak joins SBR again via telephone to discuss his plans to challenge federal law by offering sports betting in Atlantic City casinos. Also discussed is proposed legislation which aims to make online gambling legal within the confines of licensed gaming establishments.

The Professional and Amateur Sports Protection Act of 1992 outlaws sports betting nationwide with the exception of four states?Nevada, Delaware, Oregon, and Montana. New Jersey operates land-based casinos in Atlantic City, but unlike Las Vegas casino resorts, PASPA expressly forbids New Jersey from running a sportsbook. New Jersey could have chosen to take advantage of a one-year window provided by Congress to permit sports wagering; legislation allowed for states that previously operated licensed casino gambling to opt for an exemption, by a deadline of one-year from PASPA becoming federal law. That very inaction haunts NJ lawmakers today as they look to bring in another $200M+ a year for the State, which sports betting is expected to generate.

On May 25th, SBR reported that NJ Governor Chris Christie made colorful headlines at a news conference when declaring that he intended to proceed with plans to introduce sportsbook wagering in Atlantic City casinos by fall of 2012.

SBR Natalie questioned Senator Lesniak on the Governor?s comments and inquired on what may have inspired his change of heart on gambling since vetoing an online gambling bill in 2011, the Senator provided an insightful response that makes for an interesting soundbite:

Senator Lesniak: ?Governor Christie?s first and foremost concern is his national political ambitions unfortunately, and not for the State of New Jersey. The Governor has gotten cold feet on supporting internet gambling after signaling he would support it a few months ago. As you may recall, a year ago he vetoed my legislation in the State of New Jersey. Quite honestly, I?m not sure where he stands right now. My intent is to get a bill on his desk by the end of June.?

On the expected time-frame of sports betting installation in Atlantic City casinos, Senator Lesniak added the following: ?The Governor has signaled that he wants to wait until the fall to act on this, which not coincedentally is after the Republican National Convention.?

Bill H.R. 3809, dubbed the ?New Jersey Betting and Equal Treatment Act of 2012? seeks to amend the federal law to exclude New Jersey from the prohibition on professional and amateur sports gambing.

Internet Gambling in New Jersey

The interview took an interesting twist when Senator Lesniak clarified how exactly online gambling will be implemented in New Jersey. Under the proposed legislation (A.B. 2578), internet gambling would only be permissable whilst a patron attended an Atlantic City casino licensed to operate sportsbook wagering.?

Senator Lesniak conceded that many Americans enjoy gambling within the comfort of their own homes, but acknowledged that federal law would need to be amended to permit true internet gambling. The law Senator Lesniak was referring to is the Unlawful Internet Gambling Enforcement Act of 2006 ("UIGEA"). The UIGEA prohibits gambling businesses from serving the US market; the act also requires financial institutions to establish reasonable methods to identify and block transactions to known gambling organizations.

Until the UIGEA is amended or overturned, millions of Americans will continue to long for the personal liberties that should be inherent in a true democratic republic. Despite the federal law, many offshore companies cater to US customers; due to the unregulated nature of the industry, scam sportsbooks are able to operate with no intention of paying winnings.

SportsbookReview.com has been the leading online sportsbook industry watchdog since 1999, offering a robust ratings guide and reviews service to educate bettors worldwide on the financial strength and safety of online sportsbooks.

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