A Happy Marriage makes a Healthy Body - Relationship Expert ...

Posted on 31. May, 2012 by Dr. Patty Ann - Relationship Expert in Intimate Relationship, Marriage

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No man is an island; we are all wired ? literally wired in our brains ? for human connection. Some would even say we live our lives in search of meaningful connections; and I would happen to agree with this sentiment.? Success rings hollow if we don?t have a special person with whom we can share it with. ?Research also tells us that happy relationships not only make us feel good emotionally ? but they keep us physically healthy as well.

Following are seven ways a happy marriage/relationship contributes to your physical health ? and these are significant health advantages.?

1. People in happy, healthy relationships are less prone to depression & substance abuse.? Scientific research shows people in committed relationships report less signs and symptoms of depression. Why? Social isolation is directly linked to higher rates of depression.? And some researchers were surprised to discover that marriage (or committed couples) is directly related to a decline in substance abuse and problem drinking ? especially in young adults. ?
2. People in happy relationships tend to have healthy blood pressure levels, as reported in the Annals of Behavioral Medicine.? Interestingly, this research reports that unhappily married couples did not have healthy blood pressure levels.? So it is not just being in a relationship that makes you healthy; it is the quality of the relationship that is the most important indicator of a healthy blood pressure level.
3. People in long-term committed relationships are less anxious. Research on anxiety reveals that a loving, stable long-term relationship trumps new romance for reporting low levels of anxiety with fancy brain scans proving this truth. Neuroscientists believe this is because solid, long-term relationships show activation in parts of the brain that are associated with bonding ? and much less activation in the parts of the brain that activate levels of anxiety.
4. There is a correlation between healthy stress management and social support. Maybe less anxiety contributes to the fact that people in happy committed relationships manage stress better than people not in these relationships.? You cannot underestimate the value of a supportive partner who loves and cares for you when you are faced with stressful situations.? We cope better when we have the emotional support of someone who loves us.
5. People in positive relationships heal faster.? A study was published recently in a professional journal which showed flesh wounds healed nearly twice as fast in spouses who had warm interactions with their partners as compared to spouses who had aggressive and hostile interactions with each other.? How?s that for the Power of Love!
6. People in happy relationships have fewer colds.? Happy relationships give our immune system a boost so fewer colds are a by-product of this increased immunity.?
7. People in happy, healthy, committed relationships LIVE LONGER than people who are not happily married!? A growing body of evidence suggests that couples who are happy and committed to each other live longer.? Happy relationships contribute to a longer life because they provide mutual emotional and financial support.? These relationships also keep the Grim Reaper away by keeping at bay feelings of isolation which lead to loneliness. To put it simply, people in happy relationships live longer because they feel loved and connected ? giving them every reason to want to be alive.

Rekindle Romance and Happiness in Your Relationship,

Dr. Patty Ann

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Following are seven ways a happy marriage/relationship contributes to your physical health ? and these are significant health advantages.?

1. People in happy, healthy relationships are less prone to depression & substance abuse.? Scientific research shows people in committed relationships report less signs and symptoms of depression. Why? Social isolation is directly linked to higher rates of depression.? And some researchers were surprised to discover that marriage (or committed couples) is directly related to a decline in substance abuse and problem drinking ? especially in young adults. ?
2. People in happy relationships tend to have healthy blood pressure levels, as reported in the Annals of Behavioral Medicine.? Interestingly, this research reports that unhappily married couples did not have healthy blood pressure levels.? So it is not just being in a relationship that makes you healthy; it is the quality of the relationship that is the most important indicator of a healthy blood pressure level.
3. People in long-term committed relationships are less anxious. Research on anxiety reveals that a loving, stable long-term relationship trumps new romance for reporting low levels of anxiety with fancy brain scans proving this truth. Neuroscientists believe this is because solid, long-term relationships show activation in parts of the brain that are associated with bonding ? and much less activation in the parts of the brain that activate levels of anxiety.
4. There is a correlation between healthy stress management and social support. Maybe less anxiety contributes to the fact that people in happy committed relationships manage stress better than people not in these relationships.? You cannot underestimate the value of a supportive partner who loves and cares for you when you are faced with stressful situations.? We cope better when we have the emotional support of someone who loves us.
5. People in positive relationships heal faster.? A study was published recently in a professional journal which showed flesh wounds healed nearly twice as fast in spouses who had warm interactions with their partners as compared to spouses who had aggressive and hostile interactions with each other.? How?s that for the Power of Love!
6. People in happy relationships have fewer colds.? Happy relationships give our immune system a boost so fewer colds are a by-product of this increased immunity.?
7. People in happy, healthy, committed relationships LIVE LONGER than people who are not happily married!? A growing body of evidence suggests that couples who are happy and committed to each other live longer.? Happy relationships contribute to a longer life because they provide mutual emotional and financial support.? These relationships also keep the Grim Reaper away by keeping at bay feelings of isolation which lead to loneliness. To put it simply, people in happy relationships live longer because they feel loved and connected ? giving them every reason to want to be alive.

Tags: happy marriage, relationships

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Things to Consider before You File Bankruptcy

You may even consider looking into DIY bankruptcy options or using bankruptcy forms available online to try to file bankruptcy yourself. In reality, however, this is a very bad idea and you should always consider hiring an Orlando bankruptcy attorney? to help you with your case. While there are many reasons why it makes sense to hire a bankruptcy attorney Seattle, here are three of the most important: 1)??? Your bankruptcy attorney Seattle will help to ensure that all bankruptcy forms are completed in their entirety There is an extensive amount of paperwork associated with filing for bankruptcy under each of the different chapters. You will need to list details about your assets, your creditors and your financial situation. It is easy to make mistakes or leave something off of these forms when you do not have the legal knowledge that a bankruptcy attorney Seattle has. If you leave something off or fail to fill out the forms completely, your bankruptcy may be delayed or even dismissed. Worse, you may have your bankruptcy completed but accidentally leave off some creditors or fail to follow the proper procedures for certain debts, which can result in those debts not being discharged. The last thing you want is to file bankruptcy and still be left with debt- especially since there is a limit on how often you can file. 2)??? Your bankruptcy attorney Seattle will advise you on what chapter of the bankruptcy code to file under Consumers filing for bankruptcy have several different options including chapter 7 bankruptcy and chapter 13 bankruptcy. There are significant differences between these different chapters both in terms of what you need to qualify for bankruptcy and in terms of the impact the bankruptcy is going to have on your debt. You are going to need the advice of a bankruptcy attorney Seattle to decide what chapter makes sense for you. 3)??? Your bankruptcy attorney Seattle will help you to comply with all court requirements When you file for bankruptcy, there are many rules of court procedure you must follow. Not only do you need to complete documents using a proper format, but you also must meet deadlines, provide your creditors with appropriate notice, and respond to any motions filed in the bankruptcy proceedings. Knowing how to do all of this can be a major challenge, but your bankruptcy attorney Seattle has the legal knowledge and skills necessary to make sure your case proceeds so you can get the bankruptcy over with and put behind you. A bankruptcy attorney Seattle will help you in filling out the bankruptcy forms in the right manner. Better you contact multiple Seattle bankruptcy attorneys to understand the bankruptcy proceedings properly. Source: boman08.com Source: medicalbankruptcyco.com Source: bankruptcyforumco.com Source: whatisbankruptcyco.com
Source: foreclosureattorneyco.com

Video: How To File Bankruptcy Without a Lawyer

Jensen Farms, grower of Listeria Cantaloupe, files Bankruptcy : Marler Blog : Food Poisoning Lawyer & Attorney : Bill Marler : Marler Clark

Regarding the Jensen Farms and PCA related outbreaks I would agree that negligence / due diligence would apply and result in much the same outcome as strict liability. With regard to the 2006 Spinach (Earthbound Farms) outbreak I?m not so sure. So far as I am aware no ?Smoking gun? was ever discovered nor were there any particularly egregious deficiencies found in the handling and packing processes. Certainly nothing of the magnitude of Jensen & PCA. As a hypothetical should an outbreak occur in a produce type product produced by an entity fully compliant with the ?Leafy Greens? protocols as well as all applicable GAP?s, GMP?s and with a documented HACCP program would ?Fault? still apply or just ?Strict Liability? as a basis for assuring that a third party (An insurance company) covers outbreak associated expenses? Deflecting the expenses to a third party in effect spreads, and if litigation is involved increases, those expenses across some subset of the population via increased costs of doing business leading to price increases. This might be acceptable in principle and if so there ought to be a way to do it equitably without the added costs of litigation i.e. if one can demonstrate that 1. an illness was part of a recognized food related outbreak and 2. No specific negligence attaches to the producer (Or elsewhere in the distribution chain) then one is entitled to compensation from an industry wide compensation pool according to a formula based on severity of illness and other factors as appropriate. This is somewhat akin to no fault automobile insurance. Probably ?Pie in the Sky? but the current system seems burdensome at best in the case of outbreaks where no obvious fault exists.
Source: marlerblog.com

Filing for Bankruptcy in Texas

Revisions to bankruptcy law several years ago included a mandate that everyone who files bankruptcy in the state of Texas must enter a credit counseling program at least six months prior to filing. In order to file for chapter 7 bankruptcy, one?s income must be less than median income within the state of Texas capable of only paying $6000 or less over the repayment period, or less than one-quarter of overall debt.? Those interested in filing should also be aware that they will be expected to provide a two-year history of financial records, and those considering paying for a Chapter 13 must also submit a plan for reorganization and repayment with their petition.
Source: leebankruptcy.com

What Creditors will do when you file Bankruptcy

Firstly, due to the automatic stay that comes in force when you file for bankruptcy, your creditor will cease all collection efforts against you.? This includes all forms of actions such as phone calls, notices of payments, letters of demand, emails, faxes, personal visits, hiring services of debt collectors etc.? If your creditor violates the automatic stay, you should tell him or her to liaise directly with your bankruptcy attorney.? If your creditor does not comply, then report it to your bankruptcy trustee.? Your bankruptcy attorney can also take legal action against the creditor.
Source: tampabankruptcy.pro

What Will Happen to My Car When Filing Bankruptcy in Ohio?

An experienced Columbus Ohio Bankruptcy Attorney can determine your eligibility for filing bankruptcy and can help you explore other avenues if bankruptcy is not the best option for you. Legal counsel will ensure that your rights are protected and that someone is looking out for your best interest. The friendly Law Office of M. Sean Cydrus can help you craft a plan to rebuild your financial future. We understand the stress of financial worry. We use a personal approach to solving your financial challenges and are here to help you through this difficult time. We pride ourselves on the ability to provide our legal expertise with compassion and understanding. We can meet with you at our conveniently located offices in Columbus and Chillicothe. Call today for a free consultation. Help is one phone call away!
Source: ohiodebtsolutions.com

Tips And Advice For Dealing With Personal Bankruptcy

One you realize you are in financial trouble and have decided to file for personal bankruptcy you should move quickly. Waiting to the last minute to file bankruptcy can cause a number of issues. You may face negative repercussions such as wage or bank account garnishment or foreclosure on your home. You can also not leave time enough for a thorough review of your financial situation, which will limit your available options.
Source: typepad.com

Nothing found for Bankruptcy Many

New research ?conducted by economists at the University of Chicago, Columbia University and Washington University in St. Louis reveal many consumers wait to file bankruptcy until they receive their tax refund check.? The study also showed the total number of bankruptcies increased in 2008 after debtors received their refunds. Data released from the study showed [...]
Source: allmandlaw.com

Bankruptcy compared to credit negotiation

The other type of company takes a monthly payment from you and saves it.? They notify your creditors that they are working to get them paid.? Then, once they have 50% or more of the balance owed a credit card company; they negotiate to pay off the card in full for that percentage.? This usually works although it?s nothing you can?t do yourself; and you are paying a monthly fee to allow the company to do this for you.? Since it can take several years to raise enough money to do this and the negotiating company is being paid monthly this can be quite costly.? And, of course, if you miss a payment or two, you?ll still be liable for the credit card balances.
Source: bankruptcylawnetwork.com

Am I Allowed to File Bankruptcy More Than Once?

Even though a consumer with a prior Chapter 7 discharge has to wait four years before becoming eligible for a discharge under Chapter 13, consumers can file Chapter 13 bankruptcy any time after exiting Chapter 7 bankruptcy. Sometimes Chapter 13 bankruptcy benefits debtors even if they?re not yet eligible for a discharge. For example, if someone receives a discharge under Chapter 7 and then falls behind on mortgage payments within a year, that person may be able to file under Chapter 13 to catch up past due mortgage payments, although he or she won?t be able to discharge any debts through the bankruptcy.
Source: saderlawfirm.com

Farm traced to listeria outbreak files bankruptcy

Jensen Farms declined to comment on its filing Friday. Its attorney Jim Markus told The Denver Post (http://bit.ly/KTUDbK ) the filing should free up millions of dollars in insurance and other funds that could be distributed to victims.
Source: wafb.com

Why Experts Encourage People to not File Bankruptcy off

Declaring bankruptcy has extreme and long lasting effects. The first casualty is your credit score; it will function as an official warning sign to lenders on the risks of lending you cash. The bankruptcy will continue to turn up on your credit report for a minimum of 7 to 10 years, basing on the type of bankruptcy you filed. In addition, even after these periods have lapsed, individual financial institutions can choose not to purge your bankruptcy report from their records.
Source: ezinemark.com

Related posts:

1. Things to Consider before You File Bankruptcy
2. Should You File for Bankruptcy?
3. How to File Bankruptcy in Florida
4. should we file bankruptcy or go for foreclosure or both?
5. Kodak file for bankruptcy

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Things to Know About Website Design Templates

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An already designed template will help you to design your site instantly and within a very limited period of time. These templates are basically pre designed templates which are prepared by expert and efficient designers. In these templates, you can modify the things related to the content and according to your requirement.

Today, by using pre designed website design templates is the latest trend. It saves both time and money. Generally if you hire a designer from a web development company, it will take much time and money. So, it is a wise decision of using these templates. It can be said as one of the cheapest means of promoting business all over the world. This will not only help you in saving your money but also at the same time expenses too. These templates can be modified according to your requirement. Moreover, one can easily modify these templates. A person having least technical knowledge can easily modify these templates. You can also add contents to the site. This is a quite user friendly method. The contents include eye catchy graphics and attractive headings. Good comments make the site sensitive.

The maintenance these templates are very easy. Some normal changes can easily be made in these templates. One of the best places of finding these design templates is through internet. Internet can be said as the best source of getting pre designed templates.

There are many websites through which you can get website design templates. These templates are very attractive and beautifully designed which can grab the attention of potential customers.

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Former Liberian leader Taylor jailed for 50 years

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Madoff victims trade on trustee's gains and losses

(Reuters) - After Bernard Madoff's fraud unraveled in late 2008, Yale Fishman was courted by Wall Street traders seeking to buy his claim to assets that could be recovered from the mess. After three years of ignoring their calls, he finally said yes.

Fishman, an estate planner in Woodmere, New York, and a former Madoff investor, cut a deal with a trading firm to sell part of his bankruptcy claim in the long-running case. He said he sold his $1.1 million claim for $800,000, or about 73 cents on the dollar, in late December.

"I held it for a while, but they keep calling you up and soliciting you," he said. "And I figured I should sell it because I was planning for my kids," said Fishman, whose sale could not be independently verified.

As in many bankruptcies, the collapse of Madoff's financial empire spawned a mini-market of trading in the rights to any potential recoveries. Bankruptcy claims trading in the Madoff case has moved in fits and starts since Madoff was arrested, with claims currently trading in the range of 60 cents on the dollar, according to levels quoted by traders.

Recent setbacks by the court-appointed trustee trying to recoup assets on Madoff victims' behalf - combined with frustration over the trustee's legal and other fees, which to date total more than $550 million and counting - are encouraging some former Madoff customers to unload their claims. Most original Madoff claims sellers are ordinary investors, not the lenders, debt holders or vendors who are the typical sellers in other claims-trading situations.

A bankruptcy claim is essentially an IOU that gives the holder the right to a portion of any assets later recovered. The seller gets cash upfront rather than potentially waiting years for a payback, while the buyer - typically a hedge fund or bank - pays a discount to the face value of the claim in hopes of ultimately recouping more.

Claims trading has long been a Wall Street niche. Past examples of significant claims-tradings markets include those stemming from the collapse of Enron Corp. and Lehman Brothers Holdings Inc. More recently, buyers have been snatching up MF Global Holdings Ltd customer claims.

While claims trading is always a bet on the value of the bankrupt estate, trading in Madoff claims has become almost a pure bet on what the trustee, lawyer Irving Picard, can recover through his myriad court battles.

So far, Picard has won settlements of $9.1 billion through lawsuits against groups and individuals he has accused of turning a blind eye to Madoff's crimes and profiting from his scheme. Much of that money is tied up in litigation over payout calculations, however, and cannot be distributed. So far, Madoff investors have only received payments of $330 million.

Picard's office has said Madoff customers ultimately could get a full recovery of the more than $17 billion in approved claims. Picard spokeswoman Amanda Remus declined to comment on claims-trading activity or prices.

Remus said the trustee and his legal team have gotten "an extraordinary result" through their work "in reconstructing from nothing the facts and scope of the Madoff fraud and achieving record recoveries." She also said the trustee's fees are paid through funds from the Securities Investor Protection Corp., a nonprofit group that charges fees to broker-dealers, not from recoveries intended for Madoff victims.

It's unclear how many Madoff investors have sold their claims, or at what prices. Because Madoff's firm, Bernard L. Madoff Investment Securities LLC, was unwound under the auspices of SIPC instead of through a Chapter 11 bankruptcy, there is no legal requirement for claims trades to be made public.

Bankruptcy claims trade in an over-the-counter market made up of small brokers who specialize in finding claims and traders from broker-dealers such as the Seaport Group, CRT Special Investments LLC and Macquarie Group. They call and send emails to potential buyers about the price and size of claims being bought and sold, meaning there are no official price quotes.

Buyers of Madoff claims have included Deutsche Bank and hedge funds Fortress Group, Monarch Capital and Silver Point Capital, according to traders involved in the transactions. Fortress did not respond for comment, while Deutsche, Monarch and Silver Point declined to comment.

PICARD'S EFFORTS

Picard's efforts to recover funds have included lawsuits against an array of banks, wealthy individuals and Madoff family members.

The defendants, who include Madoff's brother, Peter, and son Andrew, have countered that they, too, were betrayed by Madoff and that the trustee waited too long to bring some of his claims. Picard expanded his lawsuit, filed in U.S. Bankruptcy Court in Manhattan, against the family members earlier this month to $255 million, from $226 million.

In one of his earliest and biggest successes, Picard won approval in January 2011 of a $7.2 billion settlement with Madoff investor Jeffry Picower. Optimism among traders grew that the payback for claims holders would be large, and Madoff claims at that point traded above 70 cents on the dollar, according to traders who have tracked the prices.

"People thought he was going to roll through this," Joseph Sarachek, managing director at CRT, said of Picard.

Then, in September 2011, the trustee sustained some big setbacks, triggering a drop in claims prices to the mid-50-cents-on-the-dollar range, according to traders. U.S. District Court Judge Jed Rakoff in New York ruled that Picard could only reach back to the last two years of the fraud in pursuing his "clawback" lawsuits against Madoff customers who withdrew more money from their accounts than they had deposited.

The judge was considering whether Picard could seek funds from New York Mets owners Fred Wilpon and Saul Katz, who were investors with Madoff, and the ruling limited the trustee's potential recoveries. The Mets owners later settled litigation brought by the trustee.

In November, another federal judge in Manhattan threw out most of the trustee's nearly $20 billion lawsuit against JPMorgan Chase & Co and a $2 billion case against UBS AG .

Trading in Madoff claims can be thin, and prices have bounced around sharply, according to market participants. Fishman, the Madoff victim who sold a claim in December, said he executed his trade when prices climbed from earlier levels. Since then, prices have settled to around 60 cents on the dollar, said Robert Gallivan, a senior managing director at Macquarie.

But none of these price movements or legal developments matter much anymore to Madoff investors who have shed their claims. Selling the claims has given some victims, who had entrusted their life savings to the man they thought was a financial genius, a measure of closure.

"I think people understand as time goes on that this is not a fast process," said Burt Ross, a Madoff victim in Malibu, California, who said he sold his claims some time ago.

(Reporting By Caroline Humer in New York and Sue Zeidler in Los Angeles; Editing by Martha Graybow, Amy Stevens and Leslie Adler)

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From An Israeli Kibbutz, A High-Priced Caviar Prized By Top Chefs

A kibbutz in the mountains of northern Israel might seem an unlikely source for some of the world's most expensive gourmet food. But a small farming collective has built itself a lucrative business, supplying some of America's top chefs with caviar that customers pay hundreds of dollars to sample.

Enlarge iStockphoto.com

Caviar ? an expensive delicacy that's not much to look at.

iStockphoto.com

Caviar ? an expensive delicacy that's not much to look at.

At Galilee Caviar in Kibbutz Dan, Israel, there are pools of sturgeon everywhere you look. The massive fish aren't much to look at ? they look like a cross between a seal and a catfish. But they demand a high price ? about $2,500 each, says Yigal Ben Tzvi, the owner of the company.

And each fish is a 10- to 15-year investment, he says. When we visited, it was the day Ben Tzvi began hauling these monsters out of their ponds and checking them for the quality of the caviar inside.

?

The fish are carefully cultivated and the females selected for osetra caviar production. The whole thing has the air of a hospital operation. The fish are reeled in by net, and then anesthetized in smaller tanks. Biologist Avshalom Hurvitz sits at a small white table, gingerly pulling back tissue with a scalpel to show us what's inside.

"These are the eggs, and they are 3 millimeters in diameter. They have a pale gray color, which is nice. I see no fat tissue here. It means that the yield of caviar will be high," Huvitz says.

As Huvitz pronounces the caviar Grade A, Ben Tzvi smiles. He's proud of the fact that chefs like Eric Ripert serve his caviar exclusively in their restaurants. Ben Tzvi says his caviar is superior because of the mountain spring water in the ponds and the purebred nature of his fish.

"The price in New York, somebody calculated, is $9,400 per kilo," Ben Tzvi says. (Gourmet shop Dean & DeLuca sells 8.8 ounces of the stuff online to the rest of us for just under a cool $1,000.)

Ben Tzvi says he never set out to become a purveyor of caviar. Kibbutz Dan was at the forefront of fish farming in the early 1980s and the 1990s. The caviar business is a subsidiary of Dan Fish Farms. But as the kibbutz shifted from its socialist structure to a privatized model, Ben Tzvi and others explored new business opportunities.

At first, they tried half a dozen fish before settling on sturgeon, imported from Russia as fertilized eggs. "For the first 10 years we grew them for meat, 'cause no one thought of caviar at that time," Ben Tzvi says.

Historically, the world's best caviar came from Russia and Iran. But overfishing of sturgeon in the Caspian and Black Seas has brought the fish to the brink of extinction, and severe quotas cap the legal sale of caviar from those countries now.

Dean & Deluca

By the early 2000s, world caviar prices were rising sharply, and international authorities tried to crack down on fraud by implementing a labeling system.

Ben Tzvi decided to give farmed caviar a try. A few years later, when he started selling his product, the price doubled. Then it tripled. Now 99 percent of the world's caviar comes from fish farms like Ben Tzvi's.

But even though it's a high-priced specialty, caviar is an acquired taste. It's salty, fishy and a bit squishy in the mouth ? and that describes the good kinds.

Galilee Caviar's marketing director, Smadar Ashkenazi, acknowledges that a lot of the caviar market is about branding and perception. She stands in the company's walk-in freezer with an open 8-ounce tin of caviar in front of her. There are about six different locks on the freezer door; Ashkenazi jokes it's guarded like a bank vault.

"In general, I think caviar is more about the experience of eating caviar, so it's about what it makes you feel. Unfortunately, a lot of people, they kinda fear what it's going to be like," she says.

Ben Tzvi says that was him. But naturally, now he's hooked.

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Yahoo's Yamli Deal to Spur Arab Venture Capital Investments ...

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Here Are the WWDC 2012 Schedule and App—Here's What to Look For [Apple]

Apple has posted the schedule for this year's WWDC. If you've got an Apple developer account you can go to the schedule page and login with your username and password or anyone can download the app. What's coming up? More »

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exterior-solid-color-deck-stain-reviews - Deck Staining Tips.com

Home improvement assignments even small kinds not only can dramatically transform your living space but along with this they can increase the worth of your home. Sometimes however the efforts and charges associated with remodeling your property are overwhelming. Try not to give up on improving your atmosphere quite yet mainly because here are five simple and budget-friendly projects that can increase your houses value and produce your home even more wonderful in the process.
1. Look at basic improvements prior to jumping into huge projects such a repairing a leaky roofing and getting rid of any other structural or mechanised problems. In the restroom replace faucets via 20 mirrors from 50 and towel rods through 20. In the kitchen consider refacing or maybe replacing the kitchen cabinetry. Exterior solid color deck stain, reviews These small initiatives make an immediate affect on your homes appearance without breaking the bank.
A couple of. Painting- If you can just afford one property makeover this is it. Together with as much as a 300 Per cent payback a artwork project reaps immediate revenue also freshening up your colour is guaranteed to motivate you to enjoy your home even more. When artwork exterior walls think about the neighborhood ambience and choose tasteful current hues. Even if you repaint or even add embellishment just to one room make time to ensure that all do the job looks professional particularly if you do it yourself. From 25 for each bucket.
3. Home Replacements- Are your gates cracked leaking oxygen and creaky or can they just look previous and worn down Exchange and update Save on hvac bills with energy-efficient alternate solutions that keep your family members safe and comfortable. If your wood doors are aging or scuffed replace them as well but dont find too fancy or perhaps customized with adornment that cant be seen from the road. Even replacing a shower door is usually a cheap upgrade in an otherwise expensive area to remodel. From 200 each.
4. Landscaping- How you will take care of the exterior of the house reflects how you take care of the interior and this undertaking doesnt have to be time-consuming or costly. Fancy gardens stone walkways and sophisticated fences look nice but they can be time consuming and costly. A more effective along with economical solution is to help mow the grass regularly. Trimming any kind of shrubbery removing weed growth makes a great very first impression. Also while you are taking care of the landscape a good project to attempt is your home outdoor to kill mildew and mold and make sure it doesnt come back. Use a garden sprayer along with EPA-approved mildewcide and then repaint with mildew resistant brand names. From 35 per gallon.
5. Installing a deck or updating an outdoor patio is the most cost-efficient way to include square footage to your home and it is always a great long-term investment of remodeling bucks. Although this is the biggest home improvement in the list different patio projects contain adding a sunroom or perhaps awning to an old outdoor living space. The average cost of a new patio or deck is 10000 but you can recoup up to 85 of the value if you sell and enjoy more living space in your home.
Changing your home doesnt have to be high-priced or time-consuming. Its the tiny problems that sometimes have the difference so look at one or more of these modest improvements. To learn more easy and impactful home improvement tips please visit our Denver tile installation web site and click through to the blog.
Exterior solid color deck stain, reviews Hello there
If you are interested in maple furniture for your home as well as garden you have arrived at the right place On this lens you will find articles about and special offers with regard to oak furniture for your home and garden.
Many of the lists of special offers are from merchants nevertheless others are auctions so the items will change every few minutes. If you cannot observe what you want please refresh the page by pressing F5.
All the best Owen.
Stable Oak Dining Platforms
Oaken Hardwood Garden Furniture
If you are going to buy garden furniture its a good idea to buy the very best quality that you can afford if you have the money then hardwood garden furniture is the foremost. There are many types of hard wood obviously but probably the most popular kinds of hardwood particularly in the UK as well as northern Europe will be oak. It will stand up to any kind of weather of course if it is taken care of it will last for several years.
Oaken hardwood garden furniture is just not cheap to buy that is true but if you consider the benefits that oak furnishings will give and the fact that it is going to last for thirty years in case you oil it or maybe varnish it once or twice each year it is pretty cheap actually.
In contrast cheap plastic garden furniture might latter or three years then again it will need to be changed. So you can sit on plastic chairs and have to change them every couple of years or you can buy costly oak and enjoy the item for the remainder of your life.
Real wood is heavily wanted which leads crooked merchants to log that unlawfully. Therefore if you wish to placate your conscience attempt to make certain that you buy the hardwood garden furniture coming from a renewable source.

Here are some other sites that have some more good information about deck staining and coatings.

How to Build a Patio Deck ? Answers.com Guides
At 60 Ryan would love Clemens-like contract ? USATODAY.com
BP Gulf Coast Oil Spill: One Year Later ? latimes.com
CainStain on HuffingtonPost

Related posts:

1. Olympic solid color exterior paint reviews
2. Behr solid color stain reviews
3. Solid color deck stain reviews
4. Olympic vs behr solid color deck stain reviews
5. Olympic maximum solid color deck stain reviews

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If you have problems regarding insurance arguments, things to ...

Road traffic law suggests that it?s a legalised dependence on all drivers to ensure they are insured by a version of a insurance scheme if they employ a vehicle while travelling. What the law states on insurance is very rigid in addition to individuals which do not follow most of these legislation can receive critical charges with regard to driving while travelling devoid of insurance. This may produce a large okay very well to the hundreds and also attaining Six or eight items on the license.
It is preferable that every motorists abide by road traffic legislation with regards to insurance and also to get a sufficient insurance policy. If however, you get captured operating without any Rechtsschutz Vergleich , You have to receive suggestions from your specialist road traffic law legal representative without delay.
Operating without the need of insurance is an extremely serious offence which is crucial that you find perfect an attorney right away. If you have been traveling devoid of insurance from the police force you can face an instantaneous and also momentary driving exclude on your own certificate. These types of effects usually are not less than 28 days but they will also be extended if you?re continuously found driving a car without insurance.
If you are a new driver you?re going to be susceptible to a couple twelve months probationary interval. If you are found operating without insurance you might encounter a problem such as a enormous fine and also you can also reduce your current generating license. If this sounds the case you will really need to retake ones test to realize a new permission.
Should you be involved in a serious collision though operating with no insurance the implications may be a lot more extreme. Results propose that individuals without any insurance are responsible for about ?380 mil of injury annually, but also the following risk by which they cook for other motorists in addition leads to an unavoidable rise in everybody?s insurance rates.
Being involved in an traffic accident can be a very unpleasant knowledge for everyone, and if one other occasion concerned does not have any insurance this specific tension can easily double and also lead to more problems. If this is the case and you?ve tried some sort of traffic crash which had been not really ones fault, you may be creating a claim with regard to compensation for virtually every injury, damage for your motor vehicle or maybe virtually any hassle you will have dealt with due to a good without being insured motorist.
Around Mo vehicle Rechtsschutz Versicherung is essential by law associated with anybody who becomes behind the wheel of any car. Even though coverage can include various choices, minimal requirements mandate that will monetary liability become bundled. This is called legal responsibility and is particularly required in get to renew certificate china as well as sign up an automobile within the point out.
Good california?s Team involving Insurance, protection will have to incorporate resistant an specific as well as others are safe if a major accident develops. Your minimum amount helped is definitely 25/50/10. This simply means of which $25,000 can be disbursed for 1 person involved in an incident, $50,Thousand can be taken care of if a couple of men and women ended up engaged, in addition to $10,000 might cover every trouble for another woman?s motor vehicle.
Without having evidence of a sound policy, in the event that stopped for your traffic-related incident, for example pertaining to racing or a Driving while intoxicated, when resistant seriously isn?t provided the citation could possibly be distributed. In case following puts a stop to, a mishap, or perhaps malfunction to produce resistant inside the offered time frame put into practice, issues may very well be added to the driving history, supervision might be needed, or perhaps a licence can be terminated plus the motor vehicle may very well be transported away. As priceless while transport is at achieving the strain today?s lifestyles, the loss of a car may be harmful.
It?s important to understand that your minimum necessary for legislation isn?t actually your advised quantity. That is primarily as a consequence of soaring expenses related to heath care treatment and also the maintenance and also replacement of automobiles. Need to a person be seen responsible throughout an auto accident, we can be held on a financial basis responsible for the gap involving the quantity covered by insurance plus the genuine expenditures. Consequently, bringing up the minimize is regarded good practice, although costs might be slightly larger.
Another solution provided by a state is what is called some sort of certainty connection where by financial resources are located in escrow as well as delivering a real estate attachment. The minimum amount allowed in a surety rapport is $60,000 and that is held in a particular consideration ought to the idea ever be vital to make use of it. Payday cash options are granted with the Team of Earnings, but they are deemed really hazardous. In the case of an accident someone?s household or maybe income could well be helpful to protect expenditures.
For some motorists, attempting to realize insurance prerequisites inside the ?Show Me? declare is very, daunting, and also puzzling. As a result, it is critical to completely comprehend the specifications and also help individuals experienced together with point out legal guidelines. Whilst on the internet evaluation internet sites are a good starting point, recognizing a local agent could be relied on in the matter of a crash might be reassuring.
As soon as driving a vehicle on the highway, the actual unforeseen could happen. This kind of ends in hundreds of accidents happening on a daily basis. To be certain that will fiscal property are safe, obtaining correct quantity of Missouri automatic insurance can save much grief.A surprise overcomes outside the abbreviated company

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Monster Energy Grand Prix de France 2012: Let?s do this

Are you ready?

From the sound of the campsites last night, the tens of thousands of fans already gathered here in Le Mans sure are. The Monster Energy Grand Prix de France is primed for its showdown as round four of the MotoGP World Championship clicks into gear with FP3 and Qualifying all set to go down at the Bugatti Circuit later today.

The festivities have been underway for a couple of days now though. Thanks to the holiday this Thursday, the noise and atmosphere was building well ahead of any bikes departing pit lane yesterday morning. Over in the Monster Energy Compound the public have already had a glimpse of the type of show they?re in for this weekend, as some of the most diverse and angry machinery we could round up has been wheeled out in front of the raucous crowds.

Turns out flaming exhausts will be a feature both on and off the track this weekend, although Girls firing sling-shots of swag into the crowd still isn?t a sight track-side. We?re working on it though.

Thursday night saw the Mini Texas Tornado Boot Camp put on in tribute to a missing hero: Colin would?ve loved to see the likes of the Nietos dice it out again, plus the party atmosphere around the Compound as our media event gathered the paddock for the sake of great music, a healthy dose of competition, and the chance to shoot the breeze with our riders.

Valentino was there to give a live interview, the webcast over www.motogp.com/en/AskValentino where fans submitted questions to The Doctor through social media.

Look around the paddock this morning though and the game?s changed as the gladiators of their sport get ready to put it on the line for the sake of grid positions. Over in the public area though, you can count on the Monster Energy Compound firing out tunes and whole load more as we bring the show to the fans.

Enjoy the show and stay tuned for a special guest announcement.

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Richard Branson hits out at Government - Business News - News ...

TYCOON Richard Branson, whose Virgin Money now owns Northern Rock, has criticised the Government for failing to promote economic growth.

The Virgin founder, who backed the Tories in the run-up to the 2010 General Election, said the Coalition needed a plan to stimulate the economy.

Sir Richard said the Government needed to provide action to back the rhetoric, boosting support for small and medium-sized businesses and promoting entrepreneurialism to reduce unemployment and encourage growth.

?To get that growth, we need to get behind the small and medium-sized businesses that are the engines of any healthy economy,? he said.

?They need investment and they need finance, and that comes from the big banks.

?The politicians talk of encouraging lending; we need action to match that rhetoric.?

In February 2010 Sir Richard boosted the Tories by calling for public spending cuts to start that year.

The high-profile entrepreneur said the UK?s huge borrowing was a serious risk to the UK economy and action could not be put off.

George Osborne, then shadow chancellor, said at the time that Sir Richard?s support was hugely welcome. ?As Britain?s best-known entrepreneur, he knows more about creating jobs and building an economic recovery than the entire Labour Cabinet put together,? he added.

But Sir Richard now wants the Government to focus on making it easier to set up a business in the UK by reducing business rates and regulation on small and start-up companies.

He suggested politicians look at policies including a national insurance holiday on hiring people for the first two years.

And he wants to introduce school lessons on basic business and money-management skills to create a new generation of business owners.

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How article marketing works? | Jimbo Macs Blog

Article marketing is a very important tool that most of the internet marketers and seo consultants use. There are hundreds of article writing firms out there that offer article writing services and article marketing services to their clients. How does article marketing work? Well, its a marketing tool that market ones website, blog, web page, business, products and/or services via articles. In an article marketing campaign, several articles are published over different high PR article directories. And of course, every article carries a backlink. These articles are used for two purposes. Firstly, they increase the search engine ranking of the web page as each article carries one to two backlinks. Secondly, these articles are also used to attract direct traffic. The intention is that the readers will click on the provided link, come to the website, and will purchase something. Consequently the targeted web page receives more visitors, resulting in increase sales and increase profit. Article marketing is a great marketing tool provided it is used wisely. Wisely means to use original, error-free and informative content in the articles. Articles that dont have any sort of new or interesting information for readers usually dont receive as high clicks as those ones having something new and interesting in them. So the idea is to write content for readers not for search engines.

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Fed's Plosser says U.S. to withstand euro fallout: WSJ

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Home Improvement With A Pocketful Of Tips - ogorcof's posterous

If you are buying tools and equipment for a home improvement project, don?t cheap out on the essentials. For example, a cheaply-built ladder will often fall apart while being used and low-quality paintbrushes may shed bristles into the paint, leaving ugly marks on the walls. Aim for middle-grade equipment if you are on a budget, otherwise, you may be in for some nasty accidents.

Put in a garden. It can be a lavish outside nursery, or a simple box window in the kitchen to grow your herbs. The addition of live plants and the appeal they bring to your home is unmatched. If you don?t have much of a green thumb, plant strong plants that need little attention, and add a timed drip or sprinkler system for easy watering.

A great way to add a new look to any room of the home is to tile or re-tile the floors. Tile flooring comes in thousands of colors and designs and is relatively inexpensive when you do it yourself. For as little as $1 a square foot, new tile floors can be an excellent home improvement project.

Give yourself adequate time to finish a home improvement project. Do not think you?ll get your bathroom completed in 2 days, or finish a kitchen in a week. Consider that things WILL go wrong which will lead to having to purchase more material, new tools, or possibly hiring someone to fix your mistakes.

A basic handyman?s toolbox should contain the following things: hammer, nails, adjustable wrench, vice grips, one interchangeable head screwdriver, a set of Alan wrenches, 3 and 1/2 inch screws, a drill, glue or epoxy putty, a metal file and/or sandpaper, and a handyman belt. These essentials will get you through most basic jobs.

Here is a great tip to get rid of mineral build up in faucets. Simply create a mixture of lemon juice and vinegar and soak the head of the faucet in the mixture. The mixture will dissolve the mineral build up and eliminate any hard water that may be coming through the faucet head.

When making home improvements, plan for the worst. If you?re working in a basement or bathroom, plan and budget for mold removal. If you?re pulling down the walls in an old house plan to find knob and tube wiring.

When planning for your home renovation project, a great tip to save yourself from added stress is to add in a little extra time and money when you make the plans for your home renovation project. The truth is that your project will very rarely go exactly as you planned it, so you need to be prepared for this fact.

When repainting the exterior of your home, use plastic sheeting and masking tape to avoid getting paint on unwanted surfaces, such as your windows. Use drop cloths to protect your driveway, porch, and shrubs from dripping paint. You will also want to use 3-inch masking tape to protect the trim while you are painting the siding on your house.

As you can see, tackling a home improvement project does not need necessarily need to be difficult. If you take your time and plan your work, you can make things go a lot more smoothly. Try implementing some of the pointers and ideas you learned in this article, and get started on increasing the value of your home.

Jeffery Titch manages a retail store which offers Corner Shelf Units

Published: May 27, 2012, 13:41 | Comments Off
Category: Uncategorized

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yahoo real estate ? Article Directory from Transfer Kilat

Real-estate is a term found in legal circles to reference any lot.

It also describes all the developments done about the land. This includes every one of the building and the fencing across the land. If there are any developments on the land for example boreholes or water wells they?re also included included in the property.

However, if there tend to be any developments about the land that are usually movable, they won?t be considered within the real estate. This is simply because, when the immovable areas of the land are considered included in it. If you sell or choose the land, you will acquire these parts.

However, the movable fixtures can be viewed as property with the current owner. They can become sold or taken off the land at any moment.

Real estate will be governed by some laws. They govern aspects for instance jurisdiction, purchasing and advancement of land.

Real estate is especially categorized into a couple of main divisions. There is business and residential. Commercial basically identifies the financial element or business part of real estate. It entails the exchanging for a number of purposes.

Under this split, there are several professionals. For instance, to establish the worth with the land, there is the particular appraiser. There is also a brokerage who assists inside the price negotiation between your buyer and owner.

In some circumstances, there is the actual agent who assists in the exchanging. This agent assists both parties for the reason that, he helps the client to find property available.

On the some other hand, he helps the sellers to locate buyers. These agents are typically licensed and typically are paid about commission basis. In place of your agent, a marketer could be put in demand.

In this division land could be constantly developed so at to improve its value realestate agent adelaide within the markets. For this objective, there are property developers.
There are furthermore property managers that are normally responsible for managing property with respect to an owner. They have to ensure the property will be well kept constantly.

Residential normally describes property that?s been set aside with regard to occupancy. There are various kinds of such properties that are categorized as this division. These include condo properties, apartments, family homes as well as town houses.

Real estate expense ? This mainly is because of the commercial real-estate. It involves the particular leasing, renting, buying and selling from the property. Apart from the particular acquisition, it also requires the ownership with the property.

The main aim of this sort of investment is to produce profits. For this purpose, investors will produce and manage their house really well in order to ensure that they will get good prices with this.

Investing is not cheap in the slightest. The capital to get going is normally considerable. However, there are numerous options that buyers can use for them to invest. One of these options may be the mortgage loan.

Like any form of investment, there are numerous risks involved within the investing in property. If one isn?t careful, they could effortlessly lose their investment completely.

If an buyer lacks adequate income, they may have no choice but into selling their home at a value much lesser compared to the actual value with the property. For this purpose, to invest in property, you have to possess adequate cash flow all the time.

Another risk associated with this investment is actually fraud and damaged practices. If you usually are not careful, you can easily lose your hard earned money by getting deceived. There are many individuals posing as real estate agents selling ?ghost houses? or perhaps damaged property.

The profits that are included with the right investments are extremely high. This is exactly why business moguls for instance Donald Trump have plenty of such investments.
There are several ways to get some real-estate. For instance, you can search for market listings to find the properties for sale. You can additionally find available house by contacting the particular agent.

Property is furthermore sold through open public auctions and personal sales. However, whichever method you decide on, you have to ensure you search and make sure that the acquisition procedure is legal.

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iHealthytimes free download for Android

Healthy Times is a health magazine covering topics such as medical news, health and fitness, beauty and food and nutrition.
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Donna Summer Blamed 9/11 For Her Cancer

On Friday Donna Summer Blamed 9/11 For Her Cancer was a top story. Here is the recap: (TMZ) Donna Summer was convinced -- inhaling toxic air after 9/11 gave her the lung cancer that eventually killed her ... TMZ has learned.

Sources close to the singer tell TMZ what we were hearing this morning -- that Donna was in New York City during 9/11, living at an apartment near Ground Zero.

Donna became almost paranoid about breathing the air, which was heavy with a rancid odor.

In the months and years following 9/11, Donna's feelings intensified. One source tells us when he was around Donna, she would constantly spray some sort of disinfectant in the air. Deney Terrio, the host of "Dance Fever," tells us ... when he was around Donna post 9/11, she would hang silk sheets in her dressing room to prevent dust from coming in.

And one source says ... Donna, who was a fervent practicing Christian, believed 9/11 was an attack on Christianity and in some metaphysical way Christians like her were targets. She somehow felt that her illness was a byproduct of the attack.

And, we're told, after Donna was diagnosed with lung cancer, several people told her that cigarette smoke may have been the culprit -- she was a smoker, and she also frequented clubs where people smoked. But Donna simply didn't buy it. - more on this story

TMZ submitted this story.
Copyright TMZ - Excerpted here with permission.

antiMUSIC News featured on RockNews.info and Yahoo News

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Daniel R. Schwarz: What Is the Cultural Significance of Facebook's May 18, 2012 IPO?

Worrying about the fluctuating price of Facebook and whether Morgan Stanley properly managed the IPO misses the major historical and cultural point of what happened. What, we should be asking, is the significance of Facebook's opening capitalization (number of shares times price of shares, originally $38) at over $100 billion when the iconic New York Times Company -- which owns the New York Times as its flagship product -- is capitalized at less than one billion?

Given that Facebook's original capitalization -- making it on May 18, 2012, the 23rd largest U.S. corporation -- is as much a predictor as a reflection of value, does this mean that investors are voting with their feet and fleeing traditional media for social media because they foresee not only the end of the print paper but the inability of the Times to sustain itself as a news source? While the average stock S&P price is $14 for every $1 of profit, Facebook's shareholders paid $100 for each dollar of profit. (Even today, May 27, 2012 with a price decline to slightly under $32 a share and capitalization of over $87 billion, it is still in the top 30 largest corporations.) By contrast, it is not clear if the Times Company is on the road to profitability.

I am less interested in the business model than the value our culture is putting on what is still perhaps the most important news gathering institution in the world -- versus the value it is placing on a social media company. For more than one hundred and fifteen years, the New York Times has been, not without bumps such as the misreporting of WMD's, our best diary of how our history unfolded day by day.

In an important way, Facebook is the anti-Times. The concept of the newspaper as paper of record also implies gatekeeping by which I mean that the editors decide what goes through the Informational Gates into the daily print paper and Internet site, nytimes.com. In his column in the May 20, 2012 Sunday Times, Thomas Friedman seems to quote with approval Amazon.com's founder, Jeff Bezos, who advocates "eliminating all the gatekeepers."

But do we really want the death of gatekeeping? Within a democracy, we want forums for diverse views and much can be said for interactive media with audience comments. But we also need accurate and objective news and that depends on editors and reporters selecting and arranging available information. More than any other news source in the United States, the Times -- with its 26 foreign bureaus and experienced news staff -- provides foreign news. No doubt some independent bloggers are informed, and op-ed pages and major sites like The Huffington Post should include them in a dialogue. But that is different from ceding major foreign news to bloggers who not only don't know the languages and histories of the places they discuss but also have never visited those countries or interviewed key political figures. (In regard to gatekeeping, we might also note that authoritative historical and scientific books and articles also depend on knowledgeable editing and vetting).

If the blogosphere undermines the concept that editors control those Informational Gates, Facebook takes this even further by assuming we are interested more in each other's private and personal lives -- what we might call micro-news -- than in international, national and even local news, and that we will spend more time reading about the health of our friend's dog -- the term "friend" is used loosely when many Facebook users have hundreds of friends -- or a minute-by-minute report on what music someone is listening to. One could argue that this information fills different needs, but many of my present and recent former Cornell students -- and these are for the most part gifted students -- spend hours on social media, most of it on their smart phones; by their own admission, this takes time away from being informed.

This interest in the small details of life -- local news defined in its most reductive form --affects the major news-gathering venues that must engage its readers to sell advertising. With its expanded emphasis on its soft sections such as Style, Dining, Home and Travel, the Times today is as concerned with delivering what it thinks its audience and its advertisers want as it is with what it thinks its audience needs to know. This escalation of what the Times calls value added journalism -- where to eat and travel, how to invest and buy a home, how to find a partner -- takes its cue from social media in stressing the details of day-to-day life.

So when we hear that Facebook is worth more than 100 times -- or more than 87 times with the decline in its post IPO price -- what the New York Times Company is worth, we are not only hearing an economic fact but also learning something about the values of our culture. In 2012, we may be more interested in the warp and woof of our daily life -- often fluff rather than substance -- and we may be more motivated by our need to connect with one another on micro-matters rather than to find larger goals and ideals informed by national and international concerns.

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