Monthly Archives: December 2012

Entertainment

Loving Tips to Help Keep Relationships Strong and Happy

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Author Lisa Cassman knows something about marriage, specifically when one is good and when one is not.

Houston, TX (USA), December 08, 2012 — Author Lisa Cassman knows something about marriage, specifically when one is good and when one is not. She hopes to share tips with other couples on how to have a strong and loving marriage through her new book The Road Less Traveled, a Guide to a Positive Marriage, available through Halo Publishing International.

Written while traveling the road with her husband, Steve, a driver for Schneider National, Inc., Cassman says the book is a “common-sense guide on marriage that offers practical ideas for any married couple, whether you have been married for a long time, recently tied the knot or planning to in the near future.” “It is important to keep dating,” she said. “That’s what we do; think of ourselves as being on a date.”

The Road Less Traveled, a Guide to a Positive Marriage is Cassman’s first book. “I wrote while in the truck, writing by hand all the positive things I liked about what Steve does for me,” the author explained. “I had time in the truck, so I thought about our marriage and how I would like others to be as happy as we are. We have a very positive marriage and find the good in each other. We seem to talk and not yell and work together on issues we may have.”

“Steve thinks about me before himself and if this can help someone’s marriage that would be awesome,” Cassman said. She said her first marriage was not a happy one. When it ended, she reconnected with Steve, who she had met at a Christian camp during her teen years. She said they kept in touch for a while after returning home from the camp, but both moved on with their lives. Reuniting has been truly a blessing, Cassman said, and the couple recently celebrated their second wedding anniversary. “He listens to me. We talk about ideas and our future and we genuinely care about each other.”

Halo Publisher ( http://www.halopublishing.com ) Lisa Umina said couples can benefit from reading Cassman’s tips. “Offering simple solutions to everyday romantic ruts, the author spells out what couples need to do to keep the fire in their relationship alive and the flame burning brighter than before,” Umina said.

Cassman said she once dreamed of a having a healthy, happy marriage, traveling and writing a book. These dreams have become her reality.

Both natives of Minnesota, Lisa is from Menahga and Steve is from Mora. The couple has four sons and four grandchildren.

To reach author Lisa Cassman, e-mail her at lac7mn@gmail.com or call (218) 252-0233. To order The Road Less Traveled, a Guide to a Positive Marriage, visit http://www.halopublishing.com.

Press & Media Contact:
Lisa M. Umina, Publisher
Halo Publishing International
1031 Spring Cherry Court
Houston, TX 77038 – USA
877-705-9647
lisa@halopublishing.com

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Business

Will Personal Debt Push Consumers Over the Fiscal Cliff?

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7 Tips to Surviving Financial Uncertainty

Phoenix, AZ, December 08, 2012 – Consumers continue to face a lot of financial uncertainty. While the balance of power in Washington looks similar to how it appeared before the election, the big battle over the country’s growing debt load—$16 trillion and continuing to swell—is still raging.

How will the government avoid the so-called “fiscal cliff”—the $600 billion of tax increases and spending cuts that are scheduled to take effect in 2013? And what does it all mean for consumers, especially those carrying heavy debt loads?

“Your best protection against the impending fiscal cliff is to begin eliminating debt now,” says financial literacy expert and founder of DebtFreeAcademy.com, Anthony Manganiello.

Since the looming fiscal cliff is expected to hit 90 percent of households by tacking on an average additional $3,500 in annual taxes, in addition to working now on becoming completely debt-free, Manganiello also offers the following advice on how families can avoid being pushed over the edge:

1. Know where you sit financially with your personal cash flow, NOT to be confused with a budget. Determine what smaller balances on debt you can pay off NOW, so you can free up monthly payments tied to those balances. You may need that cash flow in the not too distant future.

2. Focus on complete debt elimination. Concentrate all available funds towards eliminating as much debt—as quickly as possible—so your cash flow is in as good a shape as possible should the White House and Congress fail to take action.

3. Learn from the past. Look at your monthly cash flow and ask yourself, “What did I buy that resulted in all of these payments?” If you can’t answer that question with any degree of detail—meaning you’ve spent money on purchases you really didn’t need—let that reality sink in and avoid making the same mistakes in the future.

4. Realize that you’re a wealth generator, but not necessarily a wealth accumulator. Think about the past five or 10 years: How much income did you bring home and what do you have to show for it? Then, project what you will likely earn over the next five to 10 years and focus on accumulating as much of that wealth as possible.

5. Add up all your debt payments (mortgage, cars, credit cards, all of it) and ask yourself: If I was completely debt-free and didn’t have to make these payments, how much better off would me and my family be?” Let that be your motivator.

6. Determine how much of your gross annual salary is earmarked for debt payments. Depending on your income tax bracket, ascertain how much of gross income you have to generate in order to bring home enough to make your annual debt payments. Many households have more than 50 percent of their gross annual income earmarked towards servicing debt.

7. Even if the fiscal cliff is avoided, what have you learned? While the administration may be able to curtail the fiscal cliff, and avoid going over the edge, what should this mean to you? If the impending cliff had you in panic mode, then you need to reconsider your plan.

It’s possible that—fiscal cliff or not—your greatest vulnerability is your personal debt load. If that’s the case, then you need to do everything you can to change that reality into achieving a financial position that has you as well prepared as possible in the event economic calamity strikes.

Anthony Manganiello is an author, speaker, and entrepreneur who has spent the last two decades in the research and development—including the investment of millions of dollars, and tens of thousands of interviews with consumers looking for help with their debt and credit problems. The end result was the creation of the Cash-Flow Analysis™, the Cash-Flow Dashboard™ the book, The Debt-FREE Millionaire: Winning Strategies to Creating Great Credit and Retiring Rich, and now the DebtFreeAcademy.com.

Contact:
Anthony Manganiello
Debt Free Academy
450 Phoenix, AZ 80516
608-306-0197
anthonym@debtfreeacademy.com
http://www.debtfreeacademy.com/

Biotech, Business, Healthcare, Technology

Is it a Moment or an Abuse: the Boom of iPSCs Research after 2012 Medicine Nobel Prize

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On Creative Biomart website, we can read a report about the 2012 Nobel Prize in Physiology or Medicine regarding the two winners. They bring hope for organ or tissue repair for human or even for rejuvenation, i.e. for long life through induced pluripotent stem cells (iPSCs).

Since the first appearance in 2006, iPSCs became the hit and focus. But there are still lots of unknowns waiting for us before achieving the ideal status. Thus, numerous scientists, researchers and businessmen are struggling and investing for that goal. Here are some examples:

On Dec. 5, 2012, Roche (SIX: RO, ROG; OTCQX: RHHBY) and the Innovative Medicines Initiative (IMI) announced today the launch of StemBANCC, a new academic–industry partnership that unites ten pharmaceutical companies and 23 academic institutions. Initiated and coordinated by Roche and managed by Oxford University, StemBANCC aims to use human induced pluripotent stem cells as research tools for drug discovery with the goal of using this ground-breaking new technology to develop human disease models and enhance drug development.

On Oct. 29, 2012, on the PANS Journal there is an article about Cartilage tissue engineering using differentiated and purified induced pluripotent stem cells.

On Oct. 4, 2012, on Cell Stem Cell, there is a report with the title be Genome Sequencing of Mouse Induced Pluripotent Stem Cells Reveals Retroelement Stability and Infrequent DNA Rearrangement during Reprogramming.

On Jan. 30, 2012, on the PANS Journal, there is a report about modeling hepatitis C virus infection using human induced pluripotent stem cells, which make the individual and tailor therapy further.

Above are only a small part of such studies. People still wonder does it is the moment or an abuse on the iPSCs research. When someone reviewed one of the winners, Shinya Yamanaka, about his opinion on the challenge of iPSCs research, he said, “I have two research directions, the first is to establish human iPSCs bank that comply with clinical application standards. The second is to study the cell mechanism of iPSCs regenerating. And I think the current threat is still to be the safety problem as good research respects both scientific and ethical standards.”

But no one deny the great potential of iPSCs.

About Creative Biomart
Creative Biomart has a long history in ELISA kits; its products are available in a range of formats including colorimetric, fluorescence, and chemiluminescence-based kits for various types of Analyte.

In addition, Creative biomart also provides protein expression, PEGylation service,custom cDNA clone and other services. It provides the largest number of cDNA clones in multiple sets of vector systems with various features, including more than two hundred thousand cNDA clones. In peer industry, Creative Biomart has good reputation with technical and price advantage. In 2010, its global sales reach 26 billion.

Right reserved by: www.creativebiomart.net

Contact Details: 45-16 Ramsey Road, Shirley, NY 11967, USA Websitehttp://www.creativebiomart.net mail: serenachang5236@gmail.com
Business, Consumer Services, Financial, Internet & Online, Society

Another £400m Into RBS’ PPI Compensation Fund, Says Missoldppiclaims.info

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The Royal Bank of Scotland has earmarked an additional £400m to cover the cost of compensation and refunds relating to mis-sold payment protection insurance (PPI), says leading PPI Claims Company Missoldppiclaims.info.

The nationalised bank has released figures for the last quarter showing a pre-tax loss of£1.26bn, a proportion of which is due to the allocation of a further £400m to its PPIcompensation fund. In a move echoed around the banking industry in recent months, RBS now has increased its total PPI allocation to now stand at £1.7bn. However, it is unlikely to be the end of the compensation claims for the beleaguered bank.

Its recent computer problems resulted in significant numbers of RBS, Natwest and Ulster Bank customers being locked out of their accounts for days, a mistake which has cost£175million so far with a further £50m of compensation put aside.

RBS is also part of an investigation by regulators in the UK, US and Asia – including the fraud division of the US justice department – over the part it played in the manipulation of the LIBOR inter-bank lending rate. With settlement negotiations imminent, the fines that could potentially be applied RBS believe could have a “material” impact on the company.

Despite the problems, RBS showed operating profits for the third quarter increased from£650m to £1bn, while bad debt fell by £159m and staff costs were 5% lower due to a 7% reduction in staff.

Stephen Hester, chief executive of RBS, said: “The extraordinary challenges which RBS faced following the financial crisis are being worked through successfully. The five year restructuring plan is now in its later stages with important work still to do, including an emphasis on dealing with reputational issues now that the bank’s safety and soundness has advanced so well.”

A spokesperson for leading PPI Claims Management Company, Missoldppiclaims.info said: “It’s good to see RBS recognising its responsibilities towards customers that were mis-sold PPI policies, in particular the responsibility to put customers first and treat them fairly. This can be seen in its decision to increase lending to its business customers even though there was a downturn in loan applications, but it would be good to see a similar helpful response to borrowing for its non-business customers with personal loans and residential mortgages.

The reputational issues Mr Hester refers to are likely to be industry criticisms that RBS customers play second fiddle to the short-term interests of shareholders and staff. As a result, RBS has relaxed its lending position towards its small and medium (SMEs)businesses, which has led to a an increase of new lending by 3% since the second quarter despite a 25% drop in SME loan applications due to the Olympics and doubts over the stability of the UK economy.

Analyst Richard Hunter, head of equities at Hargreaves Lansdown, said: “There is no doubting the immensity of the task RBS has faced in executing its turnaround plan, nor indeed the progress made so far.”

Contact Details: Missoldppiclaims.info
11 Somerset Place
Glasgow
G3 7JT

Business

New Research into Impact investing endorsed by AAA

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AAA has welcomed news that pension funds in the UK are increasing their exposure to impact investments.

Boston, MA, December 08, 2012 – Alternative Asset Analysis (AAA) has welcomed news that pension funds in the UK are increasing their exposure to impact investments.

Research carried out by social investment intermediary Social Finance, found that 48 per cent of the 47 pension funds it surveyed were planning to invest in socially and environmentally sound asset classes, such as microfinance, green energy and social housing over the coming 1 to 2 years.

At the moment, only 23 per cent of the pension funds, with assets under management totalling some $230 billion, hold such investments. AAA’s analysis partner, Anthony Johnson spoke on behalf of the alternative investment advocacy group: “We welcome the news that pension funds in the UK are starting to realise the benefits of social investment.”

“Here in the US, institutional investors and individuals alike are all starting to increase their exposure to both alternative investments and impact investments and we wholeheartedly welcome this transition to a more responsible approach to investments.”

AAA also claims that alternative, ethical investments are a great way to diversify an investment portfolio against risk.

Social Finance’s David Hutchison, stated, “Impact investment is a visible asset with clear cash flow, stability and low correlation to other asset classes.”

AAA said it agreed with this, adding that other alternatives, such as forestry and timberland investment through firms like Greenwood Management, which operated sustainable plantation projects in countries like Brazil and Canada – also carry very low correlation with other economic trends. Mr Johnson said, “This means when other asset classes are losing value due to wider economic factors, these alternatives are staying strong.”

Mr Hutchison added that the next step in encouraging impact investing is setting up diversified, larger funds, to ensure people can get involved without putting up hundreds of thousands of dollars in initial investment. This will allow more individuals to get involved with this ethical side of investment.

Contact:
Anthony Johnson
Alternative Asset Analysis
71 Commercial St
Boston, MA 02109-1320
617-939-9596
info@alternativeassetanalysis.com
http://www.alternativeassetanalysis.com

Business

FRA Welcomes Tetra Pak Sustainability Credentials

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FRA has welcomed news that some 20 million cartons made by packaging giant Tetra Pak have carried the FSC logo in the past year.

Seattle, United States, December 8, 2012 — Forestry Research Associates (FRA) has welcomed news that some 20 million cartons made by packaging giant Tetra Pak have carried the FSC logo in the past year.

This means that 20 million of the cartons were sourced from renewable forests, certified by the Forestry Stewardship Council. It also represents a major increase from the 8 million that carried the logo in 2010.

Håkan Wirtén, from WWF Sweden, welcomed the news. He said, “This is a clearly positive achievement which contributes to protect forests and improve forest management globally.”

“WWF encourages Tetra Pak and other companies to continuously increase the use of FSC-certified materials and products.”

The WWF charity advocates the use of FSC-certified timber in packaging, furniture and building supplies manufacture. FRA, a research and analysis consultancy, specialising in forestry investment issues, also backs the use of FSC-certified timber. “There is really no excuse not to use sustainably produced timber these days, as it is widely available to all,” stated FRA’s analysis partner, Peter Collins.

The Tetra Pak cartons have been carrying the FSC logo since 2007, when UK supermarket chain store Sainsbury’s sold the first sustainably-sourced cartons. Now, the global brand supplies retailers in 39 countries with the FSC-certified cartons and continues to work towards improving its sustainability credentials all the time.

Tetra Pak’s vice president of marketing, Charles Brand, said that its decision to go sustainable wasn’t just to do with the boosting its credentials, but is also simply a response to consumer demand. “With more consumers and retailers demanding environmentally sound and ethically produced products, brands that carry the FSC label can attest that their products are packaged using material that has passed the toughest standards of responsible forest management.”

FRA backs sustainable forestry projects and encourages investment in plantations that are run sustainably, like those operated by firms like Greenwood Management in Brazil.

About Forestry Research Associates

Forestry Research Associates is a research and advisory consultancy that focuses on forestry management, sustainability issues and forestry investment around the globe.

Media Contact:
Peter Collins
Forestry Research Associates
620 Vineyard Lane
Bainbridge Island, WA 98110
(206) 316 8394
info@forestry-research.com
http://www.forestry-research.com

Business

AAA claims Alternatives becoming more Mainstream with Individuals

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There have been further reports about large brokerage firms investing more in alternative investments, and it is all in response to demand from their customers, AAA has claimed.

Boston, MA, USA, December 8, 2012 — There have been further reports about large brokerage firms investing more in alternative investments, and it is all in response to demand from their customers, Alternative Asset Analysis (AAA) has claimed.

The alternative investment advocacy group has said that the days when only institutional investors looked towards alternatives are long gone and that average investors now call for less exposure to stocks and shares. Whether it be private equity, REITs, timberland investments or precious metals, alternatives are becoming increasingly ‘the norm’ for anyone that wants to reduce their exposure to risk by diversifying their portfolio.

As well as becoming more mainstream, alternative investments are also able to deliver some very high returns at a time when investing in traditional assets provides limited opportunity for a windfall. In fact, the volatility in the stock markets is what is attracting so many individuals to more left-field investments.

Investing in art, precious metals, wine and even antiques and whisky is growing in popularity. “People like to turn their hobby into an investment opportunity, particularly if they know the business,” explained AAA’s analysis partner, Anthony Johnson.

“Investors are also increasingly keen to see something in return for their investment, such as physical trees, a beautiful painting or a gold bar.”

AAA supports alternative investments, but particularly backs ethical and ecologically-responsible options like sustainable forestry investments through firms like Greenwood Management. Greenwood runs plantations of non-native trees like acacia and teak, which grow fast and are managed in a cyclical way to ensure that new growth is always following when trees are cut and sold.

“The rise in popularity of these alternative investments is all based on demand for the products or the assets,” explained Mr Johnson. “Much of this demand is coming from emerging economies like China and India, which are buying up huge amounts of raw materials to help with their urban developments.”

About Alternative Asset Analysis:
The remit of Alternative Asset Analysis is to analyse and provide news on the global performance of a wide range of alternative asset classes including, but not restricted to, commodities, real estate, forestry, foreign exchange, hedge funds, private equity and venture capital.

Media Contact:
Anthony Johnson
Alternative Asset Analysis
71 Commercial St
Boston, MA 02109-1320
617-939-9596
info@alternativeassetanalysis.com
http://www.alternativeassetanalysis.com

Entertainment

Finding Love in 2013 Keynotes Singles Convention

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#1 New Years Resolution for Singles is to find a romantic partner. The 2013 Singles Convention enables to do so.

San Rafael, CA, December 8, 2012 — Dr. Wendy Lyon will keynote the 2013 Singles Convention, Friday, January 4, 2013, 7:30pm, at the Holiday Inn Tri-Valley, 6080 Regional Street, Dublin CA 94568. Her topic is “Finding Love in 2013.”

“Finding love is always the #1 New Years Resolution singles have,” says Dr. Wendy, “other than losing weight. Most singles believe they haven’t found the love they want because All the good ones are taken or There’s something wrong with me. Neither is likely to be true. The reason they haven’t found a lasting relationship is because they have said YES at the wrong times to the wrong people in the wrong situations. The solution is to learn when and how to just say NO!”

Wendy Lyon, Ph.D., is a psychologist, master relationship and life coach, author, and speaker who has guided hundreds of people to personal and professional success. She co-authored Roadmap to Success with Deepak Chopra and Ken Blanchard. A regular contributor to radio and magazines, Dr. Wendy has been featured by View from the Bay, Cosmopolitan magazine, and many others. Her website is http://www.MyTrueLovePath.com, which includes a True Love Test and other vital information for anyone interested in finding love. Dr. Wendy is available to the news media for interviews by calling 415-342-1300.

The Convention begins at 7:30pm with the Keynote Address and is followed by a giant Dance Party. Adults of all ages are welcome. The cost is $20 at the door.

The Convention is sponsored by The Society of Single Professionals, the world’s largest non-profit singles organization. Anyone wishing more information about this and many other events for singles may visit http://www.thepartyhotline.com or call 415-507-9962.

Media Contact:
Rich Gosse
Society of Single Professionals
205 Mark Twain Avenue, San Rafael CA 94903
415-507-9962
richgosse@richgosse.com
http://www.thepartyhotline.com

Business

FRA welcomes Timber Investment Endorsement

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FRA has welcomed a recent endorsement of timber and forestry investment from Adam Waldman of GreenWorld, through an article written for Tecnorati.com.

Bainbridge Island, WA, December 07, 2012 – Forestry Research Associates (FRA) has welcomed a recent endorsement of timber and forestry investment from Adam Waldman of GreenWorld, through an article written for Tecnorati.com. He points out that, while many people may not have thought about timber as an asset class option before, institutional investors are starting to see the potential in timber and individual investors should too.

Mr Waldman gives the example of how Harvard University is investing large amounts into forestry and timber, along with a major Russian and Chinese joint venture, which has recently decided to invest $200 million in the asset class.

FRA, a research and analysis organisation specialising in timber investment, has welcomed the article and backs Mr Waldman’s claims that forestry investment can provide a very effective hedge against inflation. He even points out that timber can act as a more affordable hedge than precious metals as timber prices follow general price trends, in much the same way as gold and silver.

As well as this benefit, he also points out the returns on timber investment have been very good over the past decade, outperforming stocks and shares returns by a considerable margin. FRA’s analysis partner, Peter Collins, added that forestry also provides a very good means of diversifying a portfolio against risk at a time when the stock market remains extremely volatile.

“If your trees reach maturity but timber prices aren’t that great, you can simply leave them growing and watch your asset gain value in front of your eyes, ready for a market upturn,” stated Mr Collins, In this way, timber investment is a relatively risk-averse investment, claims FRA.

FRA supports a number of forestry investment schemes all over the world, including Greenwood Management’s sustainable plantations in Brazil. These offer individuals the chance to invest in their own section of timberland for as little as $15,000.

Contact:
Peter Collins
Forestry Research Associates
620 Vineyard Lane
Bainbridge Island, WA 98110
(206) 316 8394
info@forestry-research.com
http://www.forestry-research.com

Business

Gate One Marketing New Internet Marketing Course

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Gate One Marketing’s New Internet Marketing Training Course Opens on December 5th , 2012.

Green Cove Springs, FL, December 05, 2012 – Gate One Marketing has opened our new 4 week Internet Marketing Training Course that covers all aspects on Internet Marketing with the steps you need to understand and master each stage in your climb in successful Internet Marketing.

This course is great for Small Businesses and People who are just starting out on the Internet to understand what is required to be successful with their Internet Marketing or for more Advanced Internet Marketers who need a little refresher course.

Gate One Marketing’s Internet Marketing Training Course:
Our new Internet Training Course is for every person and Business who wants to understand Internet Marketing!

This is a 4 week course with 7 days of instruction each week. There is a “Test” each day to help you understand the key points for each day. In addition, each week, we offer a free 30 minutes personal or group consultation to answer any questions you may have on any topic during the week.

Our training covers the following;

Week 1 – Best Business Practices — And How They Can Increase Your Profits

Week 2 – Targeting and Taming Traffic — How You Can Quickly Build Your List

Week 3 – Social Media, Branding, Advertising and Promotion — How to Make it Painless

Week 4 – Tracking, Testing and Tips — Listening To Your List

There are 7 topics each week and with our free training for 6 months, you will receive even more advanced information on a wide variety of Internet Marketing topics.

Gate One Marketing’s Membership Program;

Our Membership Program is for newbies to advanced Internet Marketers.

We offer two programs of instruction, White Belt and Black Belt.

Gate One offer’s our White Belt training free of charge for 6 months as long as you sign up for the free 6 month membership, after that the cost is $14.95 per month. Please Note, that you have to use your credit card to sign-up for the free membership, however you will not be charged until month 7 and you can cancel at anytime.

Our Black Belt training is for serious users and offers personal consulting for an annual membership fee of $97.00..

Our Goal is to make you successful no matter what what niche you are in!

The question is how can one be successful being a copycat? Before you spend money that you don’t have contact us!

Gate One firmly believes that to be successful on the Internet, you must “brand” yourself or your Company and we are here to help you succeed with your own unique brand! Our training includes Website Development, SEO, PPC, Aweber, and more!

If you have already joined a program, we can help you brand yourself as an expert in your niche with a custom Website and SEO. We can help create your own list, not one the company also shares or outright owns, so your hard work belongs to you! You built it, so you keep it!

In addition we offer a Consulting Service for people who require more information on getting started in Internet Marketing or Social Media Management who may require Traditional Marketing resources such as Business Plans, Social Media Marketing or Website Development and SEO.

Please take advantage of our many years of experience and contact us for a free consultation, so we can better understand your unique requirements.

About Gate One Marketing
Gate One Marketing was founded in 2010. We have over 30 years of experience in traditional marketing and experience in Internet Marketing.

Our background is in Aerospace and Defense from Engineering to Business Development. So we are very technical and business orientated, We can help!

We take into account all the business functions and requirements that can help any business succeed online.

Please call us for a 30 minute free consultation service to discuss your marketing needs. Gate One Marketing has branches in the USA and Sweden. For More Information Go to http://gate1marketing.com

For Gate One Marketing – The Vault of Free Training – Go to http://gate1mkg.com/

Contact:
William B. Weeks Jr
Gate One Marketing International
445 Hope Hull Ct.
Green Cove Springs, FL 32043
+1-703-577-4171
william@gate1marketing.com
http://www.Gate1Marketing.com