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We are delighted to present you with a business desk filled with informative and up-to-the-minute news clips. Check this page frequently to stay in the know and to read the insights and opinions of respected business experts and trend watchers.



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Friday, October 31, 2008

A Brave New World: The Future of Managing Content

Hey there!  I'm Alix Shadonnay at the business desk.
It's Friday and I am sure that you are just dying to start your weekend.  However, as you prepare to drive home, you find that the headache is still there and refusing to go away. 
There is so much for you to ponder; how to deal with a worsening economy, the looming threat of layoffs, and the family needs to be provided for, and so much more.  You may be wrestling with how to make your business stand out more against your competition and I have something for you that may just help.  Something that so many of us tend to overlook let alone understand its importance.
To learn more, please read our headlines below but before I leave you, here are our Amazon picks of the week.
At the business desk, I'm Alix Shadonnay wishing you a great weekend. 
 
 
Amazon picks of the week
"The Teen Guide to Global Action: How to Connect With Others (Near and Far) to Create Social Change"
By Barbara A. Lewis
This is a wonderful book for both teens and their parents to read.  So many parents continue to have difficulty showing their teens how to connect with others.  Great reading.
 
  The Small Business Start-Up Kit
By Peri Pakroo
This author has a refreshing approach to this topic and despite the many similar books on the market, this book does manage to stand out.
 

Home business opportunities, Internet business opportunities, small business opportunities, business opportunities in Asia
Breaking news!          A Brave New World: The Future of Managing Content       
 
        American Homeowners Are Busted At The Crap Table
        By Spengler(Ronbo)
        If people find themselves down on their luck and see no immediate opportunities to get rich, what can they do to sustain their hopes and dreams? Allocating a fraction of their portfolios on games with a chance to win a large prize is ...
        The Freedom Fighter's Journal -
http://ronbosoldier.blogspot.com/ 
 
        Spliced feed for Public Relations Network
        By Wilson(Wilson)
        Poverty (also called penury) is deprivation of common necessities that determine the quality of life, including food, clothing, shelter and safe drinking water, and may also include the deprivation of opportunities to learn, ...
        advisable -
http://oaeobliterated.blogspot.com/ 
 
        Celebrate NASA's 50th Year, US-China Virtual Symposium, Jobs And ...
        By mkbnl
        ... and opportunity. Distance education and training constituencies served include pre-k-12 education, higher and continuing education, home schooling as well as business, corporate, military, government, and telehealth markets. ...
        Virtual High School Meanderings -
http://virtualschooling.wordpress.com 
 
        Mashable!
        By info(info)
        PubCon covers search engine optimization (SEO), search engine marketing (SEM), web hosting issues, domains & the domaining business, Internet video, podcasting, multimedia, and special sessions of interactive attendee site reviews. ...
        Info -
http://informasya.blogspot.com/ 
 
        Billionaire — Blogs, Pictures, and more on WordPress Business Book ...
        By mitra(mitra)
        Please try to visit the developer home page. Billionaire Businessman | Becoming A Billionaire Business Man Becoming a billionaire businessman may sound like a pipe dream, but by seizing opportunity and forming cohesive financial and ...
        music movies -
http://music-movies-online.blogspot.com/ 
 
        A Brave New World: The Future of Managing Content
        Mediapost.com - New York,NY,USA
        If you embrace this opportunity, you will evolve your business model and find new channels and opportunities to deepen engagement, discover new viewers and ...
Read more at:
http://www.mediapost.com/publications/?fa=Articles.showArticleHomePage&art_aid=92770
 
        UNEVEN SUCCESS ACHIEVING GENDER PARITY SIGNALS NEED FOR ...
        7thSpace Interactive (press release) - New York,NY,USA
        The injury left women with few opportunities to earn a living. She said the condition had been virtually eliminated in industrialized nations, yet more than ...
Read more at:
http://7thspace.com/headlines/295326/uneven_success_achieving_gender_parity_signals_need_for_strengthened_compliance_with_international_agreements_concerning_womens_rights_third_committee_told.html
 
        YouTube Founder Compares Online Video To Nascent TV Market
        By Michael Arrington
        If you embrace this opportunity, you will evolve your business model and find new channels and opportunities to deepen engagement, discover new viewers and find new, substantial revenue opportunities. Ultimately, we all need to embark ...
        TechCrunch -
http://www.techcrunch.com 
 
        Perfect Match: you and your Franchise Business
        By siva(siva)
        Australian No.1 Franchisor directory, Business for sale, Franchise Business Opportunities Step 2 – Know yourself Before you do anything else, the next step is to take a long, hard look at yourself and why you want to go into franchising ...
        FRANCHISE BUSINESS -
http://franchise-bizzinfo.blogspot.com/ 
 
        Y! Alert: online service - Google Blog Search
        By Ewsa(Ewsa)
        Betfair Offering In-Running Service For Australia; How To Stop Foreclosure On Your Home; Omniture Takes Out Mercado Software; How to Effectively use your Business Credit Card; Internet Marketing Services in Action; Douglas accused of ...
        B News -
http://nbex2009.blogspot.com/ 
 
        DB Entrepreneurs - How to Handle Investors and Business Partners
        This issue's theme is How to Handle Investors and Business Partners. One way is to KNOW them. Our next Entrepreneurs meeting will be TUE NOV 13 11:30-1:30. A panel of investors will talk about funding and business opportunities for DFW ...
        The DallasBlue Business Network -
http://community.icontact.com/p/dallasblue 
 
        Again Chad Hurley about TV 2.0
        By iMagazine
        If you embrace this opportunity, you will evolve your business model and find new channels and opportunities to deepen engagement, discover new viewers and find new, substantial revenue opportunities. Ultimately, we all need to embark ...
        The iMagazine -
http://www.the-imagazine.com/today/ 
 
        A Practical Guide to Vagabonding and Long Term Travel (Part 5 ...
        By Nora Dunn
        The same goes for food serving – also a widely employable skill and largely a cash business. With these two particular working opportunities though, make sure you are acquainted with international tipping policies; North American ...
        Vagabondish -
http://www.vagabondish.com/ 
 
        Internet Freedom Alert 1.18
        By freedom4internet(freedom4internet)
        Led by The China Business Network and co-organized by Web2Asia and CNReviews, the inaugural China 2.0 Tour is sponsored by Edelman Digital China and represents a unique opportunity for companies and individuals to gain a deeper ...
        Internet Freedom Blog -
http://freedom4internet.blogspot.com/ 
 
        Zionism, Militarism, and the decline of the US Power
        By ggita32
        In all, to solidify America's hold in East Asia. Install or consolidate client regimes. Build more military bases. Establish opportunities for US business. Privatize raw material sectors, and as much else as possible. ...
        THE INTERNET POST -
http://tipggita32.wordpress.com/ 
 
 
 
 

Thursday, October 30, 2008

How To Start an Online Security Routine

Hi Everyone!  I'm Heather DeMarco at the business desk.
How many of you can honestly say that you have established an online security routine?  Do you know the importance of having such a system?  No, it is not one of those systems that is very difficult to manage nor is it time consuming.  It is not hard to set up and I can assure you that with the spiraling rates of hacker intervention and cyber intrusion, it is time for you to consider an online security routine.  To learn more, please read our news roundup below.
At the business desk, I'm Heather DeMarco wishing you a pleasant day.
 

Security tips for home computer users
Breaking news!          How To Start an Online Security Routine       
 
        How To Start an Online Security Routine
        NewsFactor Network - Woodland Hills,CA,USA
        But a wireless router can also serve as an entry point to your computer system. Even in this day and age, it's easy to find users -- including businesses ...
Read more at:
http://business.newsfactor.com/fullpage/fullpage.xhtml?dest=%2Fnews%2FStarting-an-Online-Security-Routine%2Fstory.xhtml%3Fstory_id%3D0330037QGQGO
 
        From the Annals of Airport Security
        Mother Jones - San Francisco,CA,USA
        What if you don't know how to download a PDF of an actual boarding pass and alter it on a home computer? "Then you're a stupid terrorist and the government ...
Read more at:
http://www.motherjones.com/kevin-drum/2008/10/from_the_annals_of_airport_sec.html
 
        Glitches Spoiling Your Trips?
        Business Mirror - Philippines
        But try a few tricks before giving up: n Call an airline agent; they can sometimes figure out routings that the computer can't detect. ...
Read more at:
http://businessmirror.com.ph/index.php?option=com_content&view=article&id=439:glitches-spoiling-your-trips&catid=32:life
 
        Computer Monitoring Software and Data Recovery Tools: Two Valuable ...
        By KenS
        October may almost be over, but Internet safety and security of the home computer are year-long practices. Pandora Corp. makers of PC Pandora monitoring software and the Pandora Recovery tool is adding extra emphasis on two key security ...
        Pandora's Blog -
http://blog.pcpandora.com 
 
        YOUR LINUX TODAY NEWSLETTER FOR October 15, 2008
        By vetkasi(vetkasi)
        "Winning the mindset of an average computer user - particularly home users - is never going to be a quick process but a recent experience showed me we still have some old and familiar hills to climb. How do we combat legacy reputations ...
        Information Technology -
http://informtechno.blogspot.com/ 
 
        About.com
        By Ian(Ian)
        Paul, MN Stamps Stay-at-Home Dads Stay-at-Home Moms Stereos Stocks Stress Management Stroke Student Travel Study Tips Supply Chain Surfing / Bodyboarding Surgery SUVs Sweepstakes Swimming T Table Tennis / Ping-Pong Tacoma, WA Tahoe, ...
        THINK! -
http://ihtreaders.blogspot.com/ 
 
        Security for Home Computer Users: Beware of rogue security software
        By AWSODA-SYSTEMS(AWSODA-SYSTEMS)
        Welcome to Security for Home Computer Users, a monthly newsletter bringing security news, guidance, updates, and community resources directly to your inbox. If you would like to receive more technical security information, ...
        Security News Collected by AWSODA-SYS... -
http://complete-security-news.blogspot.com/ 
 
        Start up guide to become an Information security consultant
        By admin
        The job outlook and growth is better than average and there are training programs and schools which offer specific curriculum, certificates and degrees in computer security. Do proper Research — Since this field is relatively new, ...
        Top Software -
http://www.top-soft.net 
 
        1000 Hacking Tutorials
        By DJ Ice(taint)
        More Hacking/Computer eMail and Privacy.txt 19.18 kB More Hacking/Computer Hackers News Articles.txt 5.89 kB More Hacking/Computer Rights vs First and Forth Amentment Right.txt 44.24 kB More Hacking/Computer Security.txt 63.52 kB ...
        The Mexican Taint -
http://mexican-taint.blogspot.com/ 
 
        Internet News
        By Walter(Walter)
        Savvy Internet users know that downloading unsolicited computer programs is one of the most dangerous things you can do online. It puts you at great risk for a virus or another time bomb from a hacker. ...
        360 Degrees -
http://360degrez.blogspot.com/ 
 
        Step by Step: Setting Up Microsoft Windows XP
        By Dilip Raj Paudel(Dilip Raj Paudel)
        (If you do this, you will be prompted for a user name and password.) Note: Connecting to a domain is only possible in Windows XP Professional, not in Windows XP Home Edition. Next, while Setup copies files to your computer and completes ...
        Dilip's blog -
http://diliprajpaudel.blogspot.com/ 
 
        Microsoft Security Newsletter - Volume 5, Issue 10
        By AWSODA-SYSTEMS(AWSODA-SYSTEMS)
        To view an online version of this newsletter, please click here. If you would like to receive less technical security news, guidance and updates, please subscribe to the Microsoft Security for Home Computer Users Newsletter. ...
        Security News Collected by AWSODA-SYS... -
http://complete-security-news.blogspot.com/ 
 
        Microsoft Security Newsletter - Volume 5, Issue 10
        By comp-master(comp-master)
        If you would like to receive less technical security news, guidance and updates, please subscribe to the Microsoft Security for Home Computer Users Newsletter ...
        antivirus and security | official... -
http://antivirus-center-information.blogspot.com/ 
 
        Hoosac Bank and Williamstown Savings Bank Offer Customers Identify ...
        iBerkshires.com - North Adams,MA,USA
        Use firewalls, anti-spyware and anti-virus software to protect your home computer. Put locks on mailboxes and protect mail before and after it gets into ...
Read more at:
http://www.iberkshires.com/story/28683/Hoosac-Bank-and-Williamstown-Savings-Bank-are-encouraging-customers-to-PASS-.html
 
        Protection One Offers 20 Low- or No-Cost Ways to Secure Your ...
        GlobeNewsWire (press release) - Los Angeles,CA,USA
        Protection One (Nasdaq:PONE), one of the leading electronic security companies for businesses across the country, suggests these tips for keeping your ...
Read more at:
http://www.globenewswire.com/newsroom/news.html?d=152422
 
        Live Smart Live Green
        Westmount Examiner - QC, Canada
        The fire department will have tips on how to prevent fires. Westmount Security will be there with booklets and displays about Westmount's emergency plan and ...
Read more at:
http://www.westmountexaminer.com/article-260878-Live-Smart-Live-Green.html
 
        Help Computer Security Sites
        By stevess
        Trying to keep track of the security problems with various software products? This page will help you. While visiting, check out their user survey of the top security tools. http://www.insecure.org/. Computer Security Tips ...
        Systems Security Solutions LLC -
http://stevess.wordpress.com/ 
 
        3 Summer Computer Tips
        By admin
        #1 – Summer Computer Travel Holiday travelers should be on alert when arriving home from long weekends, such as the Fourth of July, a popular time for computer viruses to spread. Most computer users have a tendency to turn off their ...
        Hansis.net -
http://www.hansis.net/international/ 
 
        USB Lock AP v2.5
        By Zanhar Jabir(Zanhar Jabir)
        It is suitable for either Home or business use (In cases when the user is allowed to manage his or her own security) Its anti-hack security works as a windows Service at Local System level allowing the program to effectively run even on ...
        Computer tips and trix -
http://zanharjabir.blogspot.com/ 
 
        YOUR LINUX TODAY NEWSLETTER FOR October 17, 2008
        By vetkasi(vetkasi)
        (10 UBUNTU TIPS) "I've moved my desktop at home from a Windows XP to a Ubuntu Hardy Heron (8.04 - and soon the new Intrepid Ibex), and have had to google a bit to find the answers to my following "problems". Here are some of the issues ...
        Information Technology -
http://informtechno.blogspot.com/ 
 
        Spyware Protection - What You Should Know
        By Akbar(Akbar)
        User names and passwords are often sent. Many companies, like ad companies can send you unsolicited targeted advertisements. Spy-ware encourages pop-ups, security threats and even slow down your computer to a grinding halt. ...
        Computers and Technology -
http://computers-and-technologies.blogspot.com/ 
 

 

Wednesday, October 29, 2008

Stress, Anxiety, and Depression Linked to Bad Economy

Good morning!  I'm Kerry J Harrison at the business desk.
As our economy continues its downward slide, we are seeing unprecedented high levels of stress, anxiety, and depression.  This picture is only going to get worse before it improves and while we are all caught in this vice-like grip, it may be in all of our best interests to learn how to deal with it.  For if we don't, and do not start sooner than later, we may be in for a rougher ride than expected.  Let us be nice to ourselves by sparing ourselves the pain.  To learn more, please read our news roundup below.
At the business desk, I'm Kerry J Harrison wishing you a happy day.
 
 
News on stress, anxiety, and depression
Breaking news!          Stress, Anxiety, and Depression Linked to Bad Economy       
 
        Stress, Anxiety, and Depression Linked to Bad Economy
        KNDO/KNDU - Yakima,WA,USA
        Doctors at Lourdes Counseling Center in Richland, say financial struggles can always be a source for stress, anxiety and depression. Even more so now, ...
Read more at:
http://www.kndo.com/Global/story.asp?S=9178852&nav=menu484_2_12
 
        The Ups and Downs
        The Saginaw News - MLive.com - Saginaw,MI,USA
        by Jill Armentrout | The Saginaw News The current economy is certainly depressing, but financial stress can bring on true depression and anxiety. ...
Read more at:
http://www.mlive.com/saginawnews/living/index.ssf/2008/10/the_ups_and_downs.html
 
        AstraZeneca and Columbia University Medical Center Sign Strategic ...
        MarketWatch - USA
        Depression and anxiety disorders remain under-diagnosed and under-treated. One study in the US(1) concluded that approximately 16 percent of the population ...
Read more at:
http://www.marketwatch.com/news/story/astrazeneca-columbia-university-medical-center/story.aspx?guid=%7B4CA899A6-28BD-468F-A061-AD736BD6A996%7D&dist=hppr
 
        Financial and Home Foreclosure Crisis Impacts Health of Men and ...
        PR Newswire (press release) - New York,NY,USA
        Often a number of these risk factors will build up and the combination can lead to stress, anxiety, and/or depression. Practical tips and strategies for ...
Read more at:
http://www.prnewswire.com/cgi-bin/stories.pl?ACCT=104&STORY=/www/story/10-15-2008/0004904609&EDATE=
 
        Soothing Music Reduces Stress, Anxiety And Depression During Pregnancy
        Music therapy can reduce psychological stress among pregnant women, according to research just published in a special complementary and alternative therapy medicine issue of the UK-based Journal of Clinical Nursing. ...
        Kiwibox Today News -
http://www.kiwibox.com/today/default.asp 
 
        Soothing Music Reduces Stress, Anxiety And Depression During Pregnancy
        Music therapy can reduce psychological...
        Amigura Science News -
http://www.amigura.co.uk/ 
 
        BBC Headroom Is Cracking Up For World Mental Health Day
        Be it exam stress, relationship headaches, insomnia, anxiety or depression, Headroom will provide on-going support and information, as well as offering individuals the chance to share their experiences in a safe environment. ...
        Accessibility News - Latest -
http://www.accessibility.com.au/news/ 
 
        ScienceDaily: Latest Science News
        By United Techno Solutions(United Techno Solutions)
        Soothing Music Reduces Stress, Anxiety And Depression During Pregnancy. Posted: 14 Oct 2008 04:00 PM CDT. Music therapy can reduce psychological stress among pregnant women, according to research just published in a special ...
        Science -
http://scientificsolver.blogspot.com/ 
 
        Coping with the Death of a Coworker
        By admin
        Prolonged grief frequently leads to depression, which has been linked to many other health concerns such as heart disease and stroke, obesity and eating disorders, diabetes, and some forms of cancer. Grief-related stress has also been ...
        Psydir || Psychology & Psychotherapy... -
http://www.psydir.com/ 
 
        Love Across Distances
        Oneindia - Tamilnadu,India
        They found that males that were separated from their female partner displayed behaviour reminiscent of depression and anxiety in humans. ...
Read more at:
http://living.oneindia.in/relationship/love-and-romance/2008/long-distance-relationship-romance-161008.html
 
        VAI Finding Could Lead to New Drugs for Anxiety, Depression
        MarketWatch - USA
        ... by the hypothalamus area of the brain and is involved in stress response. CRF has been associated with anxiety, depression, and related disorders. ...
Read more at:
http://www.marketwatch.com/news/story/vai-finding-could-lead-new/story.aspx?guid=%7B17B69E11-7F77-4897-BF03-305BF30AE17D%7D&dist=hppr
 
        Barton: Face the stress, then let it go; allow yourself to live ...
        Ventura County Star - Camarillo,CA,USA
        Finding simple solutions for de-stressing and reducing anxiety or depression can be as easy as stepping out your front door. Exercise is a great healer, ...
Read more at:
http://www.venturacountystar.com/news/2008/oct/16/face-the-stress-then-let-it-go-allow-yourself-to/
 
        Social workers trained to respond to child trauma
        By knews
        Some of the critical areas that will be discussed over the next few days include Early Childhood Development, Cognitive Behavioral Approaches to Managing Post Traumatic Stress, Anxiety, Depression in Children and Adolescents, ...
        Kaieteur News -
http://www.kaieteurnews.com/ 
 
        VAI Finding Could Lead To New Drugs For Anxiety, Depression - How ...
        By News
        ... have determined how the hormone corticotrophin releasing factor (CRF) precisely binds to its receptor. This detailed structural information can help drug developers design new drugs for anxiety, depression, and related disorders. ...
        Professional Medical Billing... -
http://www.promedbilling.com/blog 
 
        British Dubai couple jailed for sex on beach
        By nospam@example.com (Jennifer Coleman)
        Friends of Palmer say she has been admitted to hospital in recent weeks suffering from anxiety and depression. The case has turned the spotlight on the lifestyle of the 120000 British residents of the United Arab Emirates.
        Adult Industry News UK Adults news -
http://www.amust4sex.com/adultnews/ 
 
        'Brady Bunch' star tells of addiction, depression
        By admin
        Despite her role as a sunny Miss Perfect, she struggled privately with anxiety and insecurity, the youngest of four children born to a mercurial father who abused and cheated on their mother. "As a teenager, I had no idea that few ...
        Entertainment News For All -
http://inews4all.com/ 
 
        Minister Presents Top Awards For Mental Health Innovators
        Mental Health Week NSW, coordinated by the Mental Health Association, features more than 100 events across NSW that are designed to educate people about mental health issues including anxiety and depression. As well as the awards, ...
        Accessibility News - Latest -
http://www.accessibility.com.au/news/ 
 
        Stress, Anxiety and the Economy
        WOAI - San Antonio,TX,USA
        Doctor Gary Penny, with the Depression Treatment Clinic of San Antonio, says it's normal for people to feel concerned and anxiety over the economy. ...
Read more at:
 http://www.woai.com/news/local/story.aspx?content_id=eb99d39c-4c3b-41cd-9050-c6b67acac19b
 
        URI Counseling Center holds depression, anxiety screening
        URI The Good 5 Cent Cigar (subscription) - Kingston,RI,USA
        10/17/08 - The University of Rhode Island Counseling Center yesterday held a free depression and anxiety screening in the Memorial Union gallery. ...
Read more at:
http://media.www.ramcigar.com/media/storage/paper366/news/2008/10/17/News/Uri-Counseling.Center.Holds.Depression.Anxiety.Screening-3492880.shtml
 
        Helping Teens With Depression, Loneliness And Anxiety
        North American Press Syndicate - New York,NY,USA
        "If not dealt with, feelings of anxiety, loneliness, grief, anger and poor self-esteem can lead teens to depression, substance abuse, running away and even ...
Read more at:
http://www.napsnet.com/articles/59715.html
 
        > Recession can lead to depression
        The Union Leader - Manchester,NH,USA
        John Sargent, a licensed clinical mental health counselor from Portsmouth, said some of his clients have expressed "significant stress and anxiety" over the ...
Read more at:
http://www.unionleader.com/article.aspx?headline=Recession+can+lead+to+depression&articleId=1ec61dbc-2311-47b5-8c88-a49830cde4a0
 
        The Courage to Change (and Lose Weight!)
        By JoLynn Braley
        The courage to change is the topic of week twelve in my self-experiment with Lucinda Bassett's Attacking Anxiety and Depression program. Even though the program sounds on the surface that it doesn't have anything to do with weight loss ...
        The Fit Shack -
http://www.thefitshack.com/ 
 
        VAI Finding Could Lead to New Drugs for Anxiety, Depression
        This detailed structural information can help drug developers design new drugs for anxiety, depression, and related disorders. "There are a few drugs in development to treat anxiety, depression, and other conditions by targeting the ...
        Live News from PR-GB.com -
http://pr-gb.com/ 
 
        URI Counseling Center holds depression, anxiety screening
        10/17/08 - The University of Rhode Island Counseling Center yesterday held a free depression and anxiety screening in the Memorial Union gallery. Holly Nichols, a clinical counselor with the URI Counseling Center, organized the event. ...
        The Good 5 Cent Cigar -
http://www.ramcigar.com/home/ 
 
        Busting the Myths About Sleep?
        By John M. Grohol, Psy.D.
        For instance, lack of sleep has been associated with cardiovascular problems and mood disorders (such as depression and anxiety):. Importantly, the available data from studies in laboratory animals suggest that sleep restriction may ...
        World of Psychology -
http://psychcentral.com/blog/ 
 
        Baran: Act amid depression (Yale Daily News)
        By admin
        ... on the brink of total economic collapse, the rumblings of panic and uncertainty grow more audible each day. There is palpable anxiety about what's going to happen — what our country will look like when faced with another depression.
        Depression Knowledge Info Blog -
http://depressionknowledge.porcaous.com/ 
 

 

Tuesday, October 28, 2008

Important answers to consumers concerns

Top of the morning to you out there!  I'm Donna J Jodhan at the business desk.
Just one more week before Americans choose their next president and what a day it is shaping up to be.  Today, I have a very heavy e-bag to work with so without much more ado, time for me to get to work.
Thank you for your continuing support and feedback and please keep your emails coming to editor@untappedwealth.com.
 
 
Important answers to consumers concerns
 
Question from Gabriel Fabreau:  I am really curious to know how the two presidential candidates are planning to help preserve our retirement savings?
Answer:  Gabriel, I am going to refer you to a very interesting article that came across my desk a few days ago.  This one should give you some sort of a better picture than I can.  Hope it helps.
        How Obama and McCain Want to Change Your Retirement Accounts
        U.S. News & World Report - Washington,DC,USA
        Here's a look at how the economy is affecting baby boomer retirement. Tell us, what else could the candidates do to help retirement savers?
Read more at:
http://www.usnews.com/blogs/planning-to-retire/2008/10/16/how-obama-and-mccain-want-to-change-your-retirement-accounts.html
 
Question from Anthony Demarco:  Donna, I am seeking some info on online security.  I am really concerned about my online banking.  What can you provide me?
Answer:  Anthony, Here you go.  This article has many sound and interesting tips for the reader.  Please give it a read.
        How To Start an Online Security Routine
        NewsFactor Network - Woodland Hills,CA,USA
        But a wireless router can also serve as an entry point to your computer system. Even in this day and age, it's easy to find users -- including businesses ...
Read more at:
http://business.newsfactor.com/fullpage/fullpage.xhtml?dest=%2Fnews%2FStarting-an-Online-Security-Routine%2Fstory.xhtml%3Fstory_id%3D0330037QGQGO
 
Question from Gina Barry:  How can I go about developing content that would be attractive to today's businesses?
Answer:  Gina, Here's one for you.  This article is extremely well written.  Please give it a read.  It is becoming more and more important these days for businesses to develop content that is relevant, crisp, and easy to read.
        A Brave New World: The Future of Managing Content
        Mediapost.com - New York,NY,USA
        If you embrace this opportunity, you will evolve your business model and find new channels and opportunities to deepen engagement, discover new viewers and ...
Read more at:
http://www.mediapost.com/publications/?fa=Articles.showArticleHomePage&art_aid=92770
 
Question from Logan Martelli:  Donna, not sure if you can help me out here but I just lost a co-worker and am seeking some reading material to help me cope.  Please, can you help me?
Answer:  Logan, I am really sorry to hear of your loss.  I am going to provide you with a reference that will hopefully help you.  Good luck.
        Coping with the Death of a Coworker
        By admin
        Prolonged grief frequently leads to depression, which has been linked to many other health concerns such as heart disease and stroke, obesity and eating disorders, diabetes, and some forms of cancer. Grief-related stress has also been ...
        Psydir || Psychology & Psychotherapy... -
http://www.psydir.com/ 
 
Question from Gary Co:  Donna, who do you think would be seeking translators these days?  I mean, which companies?
Answer:  Gary, Believe it or not!  Read my reference below to find out more.  I have checked out this article and it is for real.
        Americans Speak In Tongues
        Strategy Page - USA
        The Department of Defense currently has a shortage of translators able to handle Arabic, Persian, Russian, Mandarin Chinese, Pashto, Urdu and Korean. ...
Read more at:
http://www.strategypage.com/htmw/htintel/articles/20081015.aspx
 
Question from Eric Vanhousen:  I am having tons of problems downloading boarding passes from the Internet when I book my flight.  Help!
Answer:  Eric, Here you go.  Please read this article.  You're definitely not alone so don't feel too badly.
        From the Annals of Airport Security
        Mother Jones - San Francisco,CA,USA
        What if you don't know how to download a PDF of an actual boarding pass and alter it on a home computer? "Then you're a stupid terrorist and the government ...
Read more at:
http://www.motherjones.com/kevin-drum/2008/10/from_the_annals_of_airport_sec.html
 
Question from Anna Hadley:  Donna, I have read some of your previous blogs on how a bad economy can affect our mental health.  How much truth is there to this theory?
Answer:  Anna, This theory is very real, very true, and I would like you to read my reference below.  It is not my theory, but a reality of life and it comes from experts across the board.
        Stress, Anxiety, and Depression Linked to Bad Economy
        KNDO/KNDU - Yakima,WA,USA
        Doctors at Lourdes Counseling Center in Richland, say financial struggles can always be a source for stress, anxiety and depression. Even more so now, ...
Read more at:
http://www.kndo.com/Global/story.asp?S=9178852&nav=menu484_2_12
 
Question from Sheldon Reisner:  Donna, what is your take on You Tube?
Answer:  Sheldon, I am going to give you a reference that should give you a better picture than I ever could.  Written by the founder of You Tube.  Hope it helps.
        YouTube Founder Compares Online Video To Nascent TV Market
        By Michael Arrington
        If you embrace this opportunity, you will evolve your business model and find new channels and opportunities to deepen engagement, discover new viewers and find new, substantial revenue opportunities. Ultimately, we all need to embark ...
        TechCrunch -
http://www.techcrunch.com 
 
Question from Gord Bell:  Donna, how much damage can financial stress have on us as a country? 
Answer:  Gord, A lot of damage and this is what experts are pleading with us to take more note of.  Please read my reference below.  Hope it helps.
        The Ups and Downs
        The Saginaw News - MLive.com - Saginaw,MI,USA
        by Jill Armentrout | The Saginaw News The current economy is certainly depressing, but financial stress can bring on true depression and anxiety. ...
Read more at:
http://www.mlive.com/saginawnews/living/index.ssf/2008/10/the_ups_and_downs.html
 
Question from Janis King:  Donna, I am having all kinds of trouble using my computer to book trips online.  What can you suggest?
Answer:  Janis, A perfect article for you to read and remember:  You are definitely not alone when it comes to this type of problem.
        Glitches Spoiling Your Trips?
        Business Mirror - Philippines
        But try a few tricks before giving up: n Call an airline agent; they can sometimes figure out routings that the computer can't detect. ...
Read more at:
http://businessmirror.com.ph/index.php?option=com_content&view=article&id=439:glitches-spoiling-your-trips&catid=32:life
 
Question from Marie Marcott:  My first language is really French and I would like to know how those whose first language is not English will be accommodated on election day in November?
Answer:  Marie, Here you go.  This article should give you some idea as to how this is going to be handled come election day.
        States hiring thousands of new bilingual high schoolers in advance ...
        By T2M
        The Voting Rights Act, a federal law, requires certain jurisdictions and sometimes entire states to print ballots and other election materials in a minority language as well as in English, and to have oral translation help available if ...
        The Two Malcontents -
http://www.the-two-malcontents.com 
 
Question from Brian Chow:  How can I tell if a piece of security software is really what it says it does?
Answer:  Brian, Great question and here is a wonderful article for you to check out.  There are tons of rogue security software out there and this article has some very interesting facts for you to review.
        Security for Home Computer Users: Beware of rogue security software
        By AWSODA-SYSTEMS(AWSODA-SYSTEMS)
        Welcome to Security for Home Computer Users, a monthly newsletter bringing security news, guidance, updates, and community resources directly to your inbox. If you would like to receive more technical security information, ...
        Security News Collected by AWSODA-SYS... -
http://complete-security-news.blogspot.com/ 
 
Question from Matthew Coke:  What type of stress can home foreclosure have on one's mental health?
Answer:  Matthew, I am going to let my reference below do the talking for me.  Please give it a read.
        Financial and Home Foreclosure Crisis Impacts Health of Men and ...
        PR Newswire (press release) - New York,NY,USA
        Often a number of these risk factors will build up and the combination can lead to stress, anxiety, and/or depression. Practical tips and strategies for ...
Read more at:
http://www.prnewswire.com/cgi-bin/stories.pl?ACCT=104&STORY=/www/story/10-15-2008/0004904609&EDATE=
 
Question from Eden Ritchy:  How much do you know about the information security field?
Answer:  Eden, I know this much.  This is a very fast growing field.  More and more governments and companies are seeking qualified information security specialists.  Large companies in particular and I like this career as a future investment.  Please check out my reference below.
        Start up guide to become an Information security consultant
        By admin
        The job outlook and growth is better than average and there are training programs and schools which offer specific curriculum, certificates and degrees in computer security. Do proper Research — Since this field is relatively new, ...
        Top Software -
http://www.top-soft.net 
 
Question from Bill Appleton:  How can you tell which type of franchise business is best for you?
Answer:  Bill, Here you go.  An extremely interesting article that talks about the perfect match; that is between you and your potential franchise venture.  Hope it helps.
        Perfect Match: you and your Franchise Business
        By siva(siva)
        Australian No.1 Franchisor directory, Business for sale, Franchise Business Opportunities Step 2 – Know yourself Before you do anything else, the next step is to take a long, hard look at yourself and why you want to go into franchising ...
        FRANCHISE BUSINESS -
http://franchise-bizzinfo.blogspot.com/ 
 
Question from Heather Weatherby:  Donna, what can you tell me about how to avoid problems when downloading files from the Internet?
Answer:  Heather, There is one thing that I can tell you and it is this:  Never download unsolicited programs!  It's one sure way to get yourself in to a ton of trouble.  Please read my reference below.
        Internet News
        By Walter(Walter)
        Savvy Internet users know that downloading unsolicited computer programs is one of the most dangerous things you can do online. It puts you at great risk for a virus or another time bomb from a hacker. ...
        360 Degrees -
http://360degrez.blogspot.com/ 
 
Question from Anne Shumaker:  Do you think that given the present economic crisis, baby boomers will want to keep on working longer?
Answer:  Anne, definitely so.  The present economic crisis is particularly worrying to those who are planning to retire soon and those who are already retired and are on fixed incomes.  Please read my reference below.
        A moment for seniors
        Baltimore Sun - United States
        Americans are living longer, and most baby boomers say they intend to keep working beyond the traditional retirement age. Won't the ultimate solution to ...
Read more at:
http://www.baltimoresun.com/news/opinion/oped/bal-op.elderly15oct15,0,3502450.story
 
Question from Mike Lum:  Donna, I need to learn more about how spyware works.  Do you have any info for me?
Answer:  Mike, Sure!  Here you go.  A very informative article.
        Spyware Protection - What You Should Know
        By Akbar(Akbar)
        User names and passwords are often sent. Many companies, like ad companies can send you unsolicited targeted advertisements. Spy-ware encourages pop-ups, security threats and even slow down your computer to a grinding halt. ...
        Computers and Technology -
http://computers-and-technologies.blogspot.com/ 
 

I am out of time for this week but before I leave you, here is my weekly tip.
Looking for a really exciting career to pursue?  Then try this one on for size.  An information security specialist.  These are the professionals of the future.  These are the ones who are going to help protect you from the hackers and cyber pirates.
 
At the business desk, I'm Donna J Jodhan wishing you a terrific day and week ahead.
 

 

Monday, October 27, 2008

How Obama and McCain Want to Change Your Retirement Accounts

Good day everyone!  I'm Jeff N Marquis at the business desk. 
I would like to kick off this week by asking you this very important question:  Do you know how Obama and McCain plan to change your retirement future?  How closely have you been following their campaign promises? 
I am not going to endorse either of these two candidates but before you go to the polls next week, please take some of the most important moments of your life to find out what each of them is promising but most importantly if they are really going to be able to deliver.  To learn more, go to our news roundup below.
At the business desk, I'm Jeff N Marquis wishing you a great day.
 
 
News for retirees, aging baby boomers, and seniors
Breaking news!          How Obama and McCain Want to Change Your Retirement Accounts       
 
        How Obama and McCain Want to Change Your Retirement Accounts
        U.S. News & World Report - Washington,DC,USA
        Here's a look at how the economy is affecting baby boomer retirement. Tell us, what else could the candidates do to help retirement savers?
Read more at:
http://www.usnews.com/blogs/planning-to-retire/2008/10/16/how-obama-and-mccain-want-to-change-your-retirement-accounts.html
 
              The Associated Press
        Social Security checks grow a bit as stocks shrink
        The Associated Press
        ... how he would fix the government's largest entitlement program, which is facing severe strains with the upcoming retirement of 78 million baby boomers. ...
Read more at:
http://ap.google.com/article/ALeqM5iRj0kJdCxx7gYtp4vZJCebi4AthwD93RQJP00
 
        A moment for seniors
        Baltimore Sun - United States
        Americans are living longer, and most baby boomers say they intend to keep working beyond the traditional retirement age. Won't the ultimate solution to ...
Read more at:
http://www.baltimoresun.com/news/opinion/oped/bal-op.elderly15oct15,0,3502450.story
 
        Author : Congress of California Seniors
        Earthtimes (press release) - London,UK
        ... seniors have to continue to fight for workable programs with adequate funding to help California prepare for the large number of aging baby boomer in ...
Read more at:
http://www.earthtimes.org/articles/show/congress-of-california-seniors-hosts,579133.shtml
 
        Just Trust the Government?
        Town Hall - Washington,DC,USA
        The promise, then, was that Baby Boomers would actually "pre-fund" their own retirement with astoundingly increased taxes, decades ahead of time. ...
Read more at:
http://townhall.com/Columnists/KenHoagland/2008/10/15/just_trust_the_government
 
        A little good economic news for a change - (for me, anyway)
        By Gee, You Are You!(Gee, You Are You!)
        With all the gloomy news, retirees may take little comfort in the new cost of living adjustment. The benefit change is based on the amount the Consumer Price Index increases from July through September from one year to the next. ...
        Greeting's From Downtown Oz! -
http://funnygurusdca.livejournal.com/ 
 
        Social Security benefits taking big jump
        With all the gloomy news, retirees may take little comfort in the new cost-of-living adjustment. The increase would have been even higher, but after racing ahead earlier in the year, energy costs began dropping in August, ...
        Politics | AP | Huffington Post Wires -
http://www.huffingtonpost.com/huff-wires/ 
 
        News Summary
        By nowyo(nowyo)
        A new UCLA study shows that web-savvy baby boomers and seniors use more brainpower while searching the Internet than during simple reading. [http://www.cbsnews.com/track/sumtxt2008101615/stories/2008/10/16/health/webmd/main4525966.shtml ...
        Nowyo's Blog -
http://nowyo.blogspot.com/ 
 
        Making volunteering easy
        Riverview ThisWeek - Riverview,NB,Canada
        Tony says recent baby boomers, retirees, and active seniors will attend to seek opportunities to help out in the community and that parents will attend with ...
Read more at:
http://riverviewthisweek.canadaeast.com/business/article/449556
 
        Big boost for Social Security recipients
        In some unwelcome news for millions of people who have not yet retired, the government also announced Thursday the maximum amount of earnings subject to the Social Security tax will increase next year to $106800, from $102000 this year. ...
        Leadertelegram.com Front Page News -
http://www.leadertelegram.com/ 
 
        News Summary
        By nowyo(nowyo)
        A new UCLA study shows that web-savvy baby boomers and seniors use more brainpower while searching the Internet than during simple reading. [http://www.cbsnews.com/track/sumtxt2008101708/stories/2008/10/16/health/webmd/main4525966.shtml ...
        Nowyo's Blog -
http://nowyo.blogspot.com/ 
 
        Social Security Recipients Will Get Bigger Checks Next Year
        U.S. News & World Report - Washington,DC,USA
        Those who work and collect Social Security benefits before their full retirement age can earn up to $14160 without penalty in 2009. (For baby boomers ...
Read more at:
http://www.usnews.com/blogs/planning-to-retire/2008/10/17/social-security-recipients-will-get-bigger-checks-next-year.html
 
        Keeping our seniors home
        Ocala - Ocala,FL,USA
        Marion County, like much of Florida, sits atop a ticking demographic time bomb: an aging population whose ranks will swell with retiring baby boomers. ...
Read more at:
http://www.ocala.com/article/20081018/OPINION/810180998/1001/News01?Title=Keeping_our_seniors_home
 
        • The California Department of Aging estimates that between 1990 ...
        Sacramento Bee - CA, USA
        So baby boomers are still booming, and the projections look good. "We're all living longer. Seniors are healthy, they're working longer," said Pat McVicar, ...
Read more at:
http://www.sacbee.com/107/story/1317723.html
 
        Newest BrightStar opened in Lake Forest
        OC Metro - Newport Beach,CA,USA
        Ready to make a life and career change, Grant opted to open her own business so that she may help retirees and baby boomers care for their aging parents. ...
Read more at:
http://www.ocmetro.com/t-Newest_BrightStar_opened_in_lake_forest_10_17_08.aspx
 
        Retirement careers together too
        Newsday - Long Island,NY,USA
        Bunni Gelbman, 61, and husband, Bruce, 60, of Yaphank, retired teachers, compose Coney Island Baby, a two-person band performing baby boomer music. ...
Read more at:
http://www.newsday.com/business/ny-bzside1018,0,766638.story            
 
              The Associated Press
        Congress reacts warily to RI Medicaid overhaul
        The Associated Press
        The problems will only get worse as baby boomers age. Judith Solomon, a senior fellow at the Washington-based Center on Budget and Policy Priorities, ...
Read more at:
http://ap.google.com/article/ALeqM5jZ25QULfKrDngiP8NCplnWjB8y0QD93T1HB00
 
 

Saturday, October 25, 2008

Compromising of confidentiality and privacy

Good morning!  We at the business desk are delighted to bring you a very thought-provoking editorial this week from a highly respected expert of the day.
Donna J Jodhan is a special needs business consultant and has been involved in some very interesting and important cases of late.  She is presently suing the Canadian government over their inaccessible websites and she is also challenging the Canadian Society for Social Development to live up to their mission statement and make their online web design course accessible to all disabled Canadians.
Her editorial this week speaks to some very important issues and we now invite you to read on.
At the business desk, we the business team wish you a very enjoyable weekend.
 
 
Compromising of confidentiality and privacy
 
Based on my experience of the last few years, I have come to the conclusion that both governments as well as many of those agencies that are responsible for protecting the human rights of their citizens do not really get it when it comes to understanding why it is so important for blind and visually impaired persons to be able to preserve their confidentiality and privacy.  My impression is that these particular bodies through their deliberate actions truly believe that if they provide assistance to a blind or visually impaired person, in other words, if they provide a band aid solution to a problem, it's enough.  Things have been looked after so what's the problem. 
 
As I see it, if the mainstream person is allowed to preserve their confidentiality and privacy, then the same right should be afforded to blind and visually impaired persons.  If the mainstream person is allowed to complete forms that require them to input confidential information without having to identify themselves, and without any assistance from anyone that they do not know such as a government official or public service official, then the same right should or must be given to someone who is blind or visually impaired.  The right to confidentiality and privacy is a given for anyone, so why is it that these particular bodies are unable to provide it?
 
We continue to receive several complaints on this subject but I have two specific examples to report and I'll let you be the judge.
 
First example:  Last year one of our clients applied for a contract investigator's position with a Human Rights agency in their country.  When they went to complete the application form, they discovered that the form was in PDF format, not a format that is accessible to them as a blind person.  Our client had to spend over two weeks getting someone to convert the PDF application form into word format and despite getting good service from the person who eventually helped them to obtain the accessible format, they were not happy because they had to identify themselves as being visually impaired in order to obtain an application in a format that they could work with.  Our client wrote to the agency in question with their concern but unfortunately the response was that they were looked after so there was nothing for them to be concerned about.
 
Second example:  A few years ago, another client applied to their government for a job using their online process.  When they went online to apply, they quickly discovered that the online application process was not accessible to them as a visually impaired person so they had to spend a fair amount of time trying to find someone within the government's ranks to help them.  Eventually, the government in question provided someone to help them and it was someone that they did not know, never met, and had to work with him over the phone.  The application forms were completed but guess what?  Our client was never able to verify that the info that he entered on their behalf was accurate!  Nor were they ever able to determine whether or not these applications were actually submitted.  True it is that our client trusted the government official to do as they asked, but our client had to depend on trust all the way.  In other words, our client had to trust blindly.
 
Our client filed a complaint with the Human Rights agency in their country but not surprisingly they dismissed the case saying that our client's needs were met.  This after according to our client one of their investigators spent barely 10 minutes to interview them, did not understand what accessibility meant, and did not even take the time to interview their important witnesses.  I think that the time has come for blind, visually impaired, and print disabled persons to start voicing their concerns about how their confidentiality and privacy are being handled by both their governments and by human rights agencies.
 
Confidentiality and privacy means that a person does not have to identify oneself in order to receive assistance.  Human Rights agencies are supposedly here to protect and preserve the rights of all persons but with examples like these plus many more that we personally know of, one has to ask the question:  Why is it that Human Rights agencies continue to ignore and disrespect the confidentiality and privacy of persons who are blind and visually impaired?  Do they honestly believe that if someone is looked after, meaning if the problem is solved, it does not matter that during the process the person's confidentiality and privacy have seriously been compromised and trampled upon?
 
Are Human Rights agencies so overworked that they simply do not have the time or manpower to do a better job?  Or is it that their staff is simply not knowledgeable enough when it comes to understanding when a person's confidentiality and privacy have been seriously compromised and infringed upon? Or, is it that they simply do not care enough to consider it important enough to do the right thing?
 
These are very serious breaches and concerns and I truly hope that those offending governments and Human Rights agencies are listening.  So many countries pride themselves on being fair, considerate, and doing what is right.  So, do what is right now.  Take the time to address these concerns.  Stop treating blind and visually impaired persons like second-class citizens.  We have rights too and this includes a right to confidentiality and privacy like everyone else.  We pay taxes like everyone else, so surely, we must be entitled to our rights like everyone else.  Or is it me who is missing the boat here?
 

Donna J Jodhan is the president of Sterling Creations.
Now you can view blogs written by Donna at http://www.numpadplus.com/blog under the access and accessibility category and you can also see her biweekly editorial at www.accessibilitynews.ca/acnews/editorials/donna.php
In addition, you can view her monthly online magazine editorial at http://www.onestopbookcafe.com under the café talk link. 
Donna also hosts a weekly feature called important answers to consumers concerns at http://www.untappedwealth.com/businessdesk.html
and her company's free monthly online magazine can be found at http://www.sterlingcreations.ca/magazine.html

Friday, October 24, 2008

How is your sector faring in the downturn?

Greetings everyone!  I'm Jayna Sheffield at the business desk.
I know!  Times are very difficult at the present time and doom and gloom seem to be just everywhere.  In the home, at the workplace, and almost everywhere.  However, there is something that you can do in order to stay the course.
Yes, you can take the time to find out how the various business sectors are fearing these days and use this information to ensure that your business stays safe.
Give some thought to our news below but before you leave us, please check out our Amazon picks of the week.
At the business desk, I'm Jayna Sheffield wishing you a great day and weekend ahead.
 
 
Amazon picks of the week
The Giving Book: Open The Door To A Lifetime Of Giving
   By Elen Sabin
We chose this book because it shines the light on a very important facet of life.  Yes, the pleasure of giving.  We should make giving an important part of our lives and this author has much to offer us on this topic.  Great reading.
 
Everyday Leadership: Attitudes And Actions for Respect And Success
   By Mariam G. Macgregor
If you are aspiring to be a leader and a good one at that, then this book is for you.  Good leadership is measured on respect and success and this author has the last word.
 
 
Home business opportunities, Internet business opportunities, small business opportunities, business opportunities in Asia
Breaking news!          How is your sector faring in the downturn?     A SmartCompany guide       
 
        Sol Trujillo addresses FINSIA executive luncheon
        Business Spectator - Melbourne,Victoria,Australia
        Now high-speed broadband will reach a population of more than 10000 people in some of the most remote parts of Australia, with greater opportunities for ...
Read more at:
http://www.businessspectator.com.au/bs.nsf/Article/Sol-Trujillo-addresses-FINSIA-executive-luncheon-K854K?OpenDocument
 
        How is your sector faring in the downturn? A SmartCompany guide
        SmartCompany.com.au - Melbourne,Victoria,Australia
        "Our business tends to be counter cyclical – so our revenue opportunities can increase in tougher times. When financial institutions are faced with cost ...
Read more at:
http://www.smartcompany.com.au/Free-Articles/The-Briefing/20081008-How-is-your-sector-faring-in-the-downturn-A-SmartCompany-guide.html
 
        Asia-Pacific Food & Beverage Sectors Reports Highlights How Food ...
        By Justin
        of passing the bill. The American Small Business League expressed disappointment that Sen. Obama voted … be used by government to limit contracting opportunities for minority and woman-owned businesses. Christopher Gunn, … ...
        Home Online Business Opportunity -
http://home-opportunity.online-business-news.org/ 
 
        Mashable!
        By info(info)
        The power of the web has created the golden age of the individual. Social Media tools provide us with more opportunities than ever to shine. But these days it takes much more than a website and a business card to get attention. ...
        Info -
http://informasya.blogspot.com/ 
 
        Postings for Tuesday, 07-Oct-2008
        By Babar(Babar)
        5 -- Business Development Executive. KEY RESPONSIBILITIES. Identify business opportunities and develop sales plans to gain market share:. - Define client needs and convert them into service requirements and solutions ...
        China Jobs Career Employment Vacancies -
http://china-jobs-career-employment.blogspot.com/ 
 
        ProperlyManaged.net
        By Gus(Gus)
        Car dealers and small business owners will often attend them for good deals. If you are interested in participating in a government auction, you may find information about them in your local newspaper or by calling around all the ...
        Nationwide home mortgage loan company -
http://nation-usa-home-mortgage-loan-company.blogspot.com/ 
 
        The Role of Tourism as one of the Principal Sectors of the ...
        By ichfap - The International Co-op Housing...(ichfap - The International Co-op Housing...)
        The development of a sustainable tourism industry in the coastal zone offers numerous opportunities. Opportunities includes, those for nature conservation – which, given the increasing interest in high quality natural and cultural ...
        INTERNATIONAL CO-OP HOUSING FOUNDATIO... -
http://ichfapasia.blogspot.com/ 
 
        Can You Speak the Language of Business with Other Cultures? : By ...
        DiversityBusiness.com (press release) - Southport,CT,USA
        DiversityBusiness provides research and data collection services for diversity including the "Top 50 Organizations for Multicultural Business Opportunities" ...
Read more at:
http://www.diversitybusiness.com/news/diversity.magazine/99200809.asp
 
              Business Wire (press release)
        US Home-Based Businesses to Spend US$1.3B on Security and Storage
        Business Wire (press release) - San Francisco,CA,USA
        AMI's 2007 US Home Based Business Overview and Comprehensive Market Opportunity Assessment study highlights these and other major trends in the context of ...
Read more at:
http://www.businesswire.com/portal/site/google/?ndmViewId=news_view&newsId=20081006005174&newsLang=en
 
        Joy P. Holderread Announces Launch of FengShuiZodiac.com
        PR Web (press release) - Ferndale,WA,USA
        The new site hopes to be a clearinghouse for all things feng shui, and will likely appeal to a wide range of visitors –- including small-business merchants ...
Read more at:
http://www.prweb.com/releases/2008/10/prweb1442894.htm
 
        Part 2 eprospectfinder back office tutorial eprospect finder
        http://cable653.eProspectFinder.com John Hicks 660-553-0128 home based business opportunity business opportunity home business opportunity business opportunities home business online opportunity business opportunities from home home ...
        recent posts - blip.tv (beta) -
http://blip.tv 
 
        Spielberg divorces Paramount. Geffen Retires
        By gjblass(gjblass)
        Key initiatives include: Movies (Hollywood and Indian), Animation, Music, Home Video/DVD, Multiplexes across, India, the US, and Asia, Broadcasting, Sports, Gaming, Internet and mobile portals, with direct opportunities in delivery ...
        chisblassternardone -
http://chisblassternardone.blogspot.com/ 
 
        State to cut $210M more from current budget
           Topic: Small business financing. Cost: $10. Pay in advance at www.berkeleysc.org or make check or money order payable to SCORE, PO Box 968, Moncks Corner, SC 29461. Information: amorris@bcoc.com, 843-577-9549 or 843-761-8238. ...
        Columbia Regional Business Report -
http://www.columbiabusinessreport.com 
 
        (Business marketing solutions) Typical problems faced when trying ...
        By admin
        ... Portal and Australian Wholesalers & Australia Dropshipping Suppliers Directory . He has 18 years of experience in the marketing and trading industries. Your Source For Home Based Business Opportunities. small business marketing.
        SGX -
http://www.sgx.biz 
 
        Mashable!
        By info(info)
        With their services, Xignite is leading the way for service-oriented business applications. I had the opportunity to meet with Stephane Dubois, the CEO and Founder of Xignite, and discuss Xignite's goals, special features and Splice, ...
        Info -
http://informasya.blogspot.com/ 
 
        Classic Business Transcripts October 9th 2008
        By jeannine(Classic FM)
        So Telkom continues to be under pressure, but I think this great sale of their 15% stake in Vodacom gives them a bit of capital, and hopefully with that, they will be able to eye other opportunities in other markets. ...
        Classic Business -
http://www.classicfm.co.za/business/ 
 
        Home Business Keywords
        By Dawid Ryba(Dawid Ryba)
        internet home businesses home business oppurtunities start home business ideas money making home business opportunity legitimate home business home business lead work at home business opportunities small home businesses ...
        Social Network Websites -
http://socialnetworkwebsites.blogspot.com/ 
 
        Equity Loan
        By Cute Girl(Cute Girl)
        There are so many home business opportunities (some real, some not) that it takes real personal discipline to avoid the scattergun approach...you know, throw enough against the wall and something is bound to stick. In the early going, ...
        Best Nursing Bra -
http://best-nursingbra.blogspot.com/ 
 
        So You Want to Work in Sports?: Ryan Knapp, President/GM, Queen ...
        By noreply@blogger.com (Hugging Harold Reynolds)
        The thing with Queen City FC is that I have NO formal Business training, except for a few small seminars taken while I was program director at a local YMCA. That is is. I essentially went from blogger, to bigger blogger, ...
        Hugging Harold Reynolds -
http://huggingharoldreynolds.blogspot.com/ 
 
        Lets talk about Strippers!
        By shadow(shadow)
        As to availability on video, a search of those dealers that handle vintage material will probably turn up opportunities to buy these films. For example, the "Fan Dance" is one of the shorts included in "Exploitation Mini-Classics Vol. ...
        Welcome to shadow's World -
http://shadowseverywhere.blogspot.com/ 
 
 
 
 

Thursday, October 23, 2008

Credit Repair - How to Get Your Credit Reports Painlessly ?

Hello there!  I'm Matt Chadwick at the business desk.
So many of us fail to pay attention to how to go about repairing our credit rating and the only time we probably think about this is when we are directly affected.  Well, I am here to tell you that you should not wait for it to happen.  Take in front before in front takes you!
Check out our news below.
At the business desk, I'm Matt Chadwick wishing you a pleasant day.
 
 
Security tips for home computer users
 Breaking news!          Credit Repair - How to Get Your Credit Reports Painlessly — by IAN ...       
 
        USA.gov:National Cyber Security Awareness Month,
        By Shakespere(Shakespere)
        However, the speed at which information can be transferred to and from your computer and the fact that it stays connected to the Internet for long periods of time makes it a more likely target for hackers than dial-up Internet users. ...
        Stuff to Blog About -
http://shakespereblogs.blogspot.com/ 
 
        Windows XP Timesaving Techniques Book Free Download
        By wallpaper(wallpaper)
        This part contains full behind-the-scenes coverage of the Windows Security Center, new in Service Pack 2. It gives you common-sense approaches to solving the rabidly hyped problem of computer security. Protect your PC from real viruses; ...
        EBOOK HELPER -
http://ebookhelper.blogspot.com/ 
 
        Mac Security: Do you need a third-party firewall?
        By admin
        Related Security Articles Mac Security: How to hold fast snoops away from your data Clickjackers could hijack Webcams, microphones, Adobe warns Six essential Apple iPhone confidence tips Mac Security: Who needs antivirus software? ...
        foodworms.net -
http://foodworms.net 
 
        Speed Up Computer Tips
        By internet
        High security and privacy: Foxit Reader highly respects the security and privacy of users and will never connect to the Internet without users' permission. While other PDF readers often silently connect to the Internet in the background ...
        Web Success -
http://www.findwebsuccess.com 
 
        Credit Repair - How to Get Your Credit Reports Painlessly — by IAN ...
        By admin
        A Few Good Tips. Once you decide to take this path here are three pointers. You should jot these down. Your credit repair project will benefit. Here you go. One, make a note of your user name and password; you may want to log back in ...
        Free Articles -
http://www.126126.info 
 
        Internet and System Security - Common Sense Tips
        By billmullins
        If you are an experienced/advanced computer user and you're looking for a program to strengthen your anti-malware resources, then HiJackFree is one that's worth taking a look at. This free application, from EMSI Software, ...
        Bill Mullins' Weblog - Tech Thoughts -
http://billmullins.wordpress.com 
 
        IS YOUR HARD-EARNED MONEY-SAFE ????? Internet Hacking
        By vidhya.rakesh@gmail.com
        Many fraudsters use real phone numbers to make the e-mail appear legitimate. Online and Computer Security Tips · To provide our customers with secure online access, Bank continually works to maintain and improve our online security. ...
        CiteHR Human Resource Management -
http://www.citehr.com 
 
        Creating a wireless LAN network at home – Wireless access points ...
        By Gautam H N
        ... a high-technology gadget which functions as a center of data transfer for all users of a network. The WAP apart from acting as a communication center is also vital in maintaining the security of a wireless network. The WAP is [...]
        Computer Tips And Tricks, Programming... -
http://www.techbuzz.in 
 
        Online Slot Machine Game
        By supian
        The new generation of online gaming and slot machines is a generation of computer users. Designs of online slot machines can range from classic looks to a more sophisticated and edgier look. With interaction online, play casino slots ...
        Home Security Ideas -
http://softwarebizsummit.com 
 
        All About SAM Files
        By Phanse(Phanse)
        What is SAM? SAM is short for Security Accounts Manager, which is located on the PDC and has information on all user accounts and passwords. Most of the time while the PDC is running, it is being accessed or used. ...
        Windows Tips & Tricks -
http://windowstipstrickshelp.blogspot.com/ 
 
        Cyberbullying: Parents, Tech Companies Join Forces to Keep Kids Safe
        FOXNews - USA
        Symantec offers online tips at its Norton Family Resource Center. According to Parry Aftab, an Internet security and privacy lawyer and founder of ...
Read more at:
http://www.foxnews.com/story/0,2933,435981,00.html
 
              The Tech Herald
        NCSAM: Kids and the Internet (Part 1)
        The Tech Herald - Indianapolis,IN,USA
        In this article, continuing the National Cyber Security Awareness Month coverage, The Tech Herald will look at some of the stats surrounding Kids on the ...
Read more at:
http://www.thetechherald.com/article.php/200841/2220/NCSAM-Kids-and-the-Internet-Part-1
 
        Tips On Choosing The Best Webcam Security Software For Your Home
        By agriyaquickcam
        It is a very good idea to read product reviews and user opinions in various websites on video surveillance. You can also find product reviews in computer magazines. By doing a little research on webcam security software that you're ...
        Webcam Recorder -
http://flashvideorecorder.wordpress.com 
 
        Recognizing a PC with Malware
        By admin
        Specializing in small/medium businesses and home-users Ron has become their Information Security specialist becoming more and more proficient in the removal and prevention of viruses, spyware and other threats to people's data. ...
        Hansis.net -
http://www.hansis.net/international 
 
        Basic Security for a Private Network
        By Pete the Geek
        All wireless routers sold today have a default password installed at the factory for emergency maintenance, and a shocking number of both home and professional users never bother to change it. If you need an idea for how easy these are ...
        Gadget Access -
http://www.gadgetaccess.com 
 
        Computer Security
        By jackie(jackie)
        Computer security or Home Computer Security is the effort to create a secure computing platform, designed so that agents (users or programs) can only perform actions that have been allowed. This involves specifying and implementing a ...
        Tips And Tricks For PC -
http://rimalwalton.blogspot.com/ 
 
        homebasedbusinessopportunities
        By admin
        This is not a typical day usually I'm at my computer most of the day or at a client's site working my home based business opportunity. This day my daughter is buying furniture and needs help with it. I agreed to help! ...
        One Great Opportunity -
http://1-op.com/ 
            

Wednesday, October 22, 2008

Financial indicator: Stress up

Good morning!  I'm Kerry J Harrison at the business desk.
It is almost always a given that when the markets plunge, stress goes up.  Whenever financial times are hard, stress, depression, and anxiety soar.  What can we do about it?  Well, we need to learn how to cope with it and this week I have some news to help you.  Please read below.
At the business desk, I'm Kerry J Harrison wishing you a great day.
 
 
News on stress, anxiety, and depression
 Breaking news!          Financial indicator: Stress up       
 
        Depression screenings offered
        Connecticut Post - Bridgeport,CT,USA
        But, for some, these feelings of anguish and anxiety signify something deeper than stress, particularly when they start to interfere with daily life, ...
Read more at:
http://www.connpost.com/ci_10660898?source=most_emailed
 
        Financial indicator: Stress up
        Chicago Tribune - United States
        ... of stress, such as headaches (56 percent versus 36 percent of men); depression or sadness (56 versus 39); and nervousness or anxiety (55 versus 43). ...
Read more at:
http://www.chicagotribune.com/news/nationworld/chi-stress-studyoct08,0,3806147.story
 
        Popping pills becoming a norm for city women
        The News International - Karachi,Pakistan
        "Overall, around 30 to 35 per cent people are suffering from anxiety and depression but it is estimated that this ratio of depression and stress is double ...
Read more at:
http://www.thenews.com.pk/print1.asp?id=139807
 
        Music Therapy Calms During Pregnancy
        By Rick Nauert, Ph.D.
        "The music group showed significant reductions in stress, anxiety and depression after just two weeks, using three established measurement scales" says Professor Chung-Hey Chen, who is now based at the National Cheng Kung University. ...
        Psych Central News » Psychology -
http://psychcentral.com/news 
 
        Balance and Health: How do positive emotions lead to good health?
        By Guest Author
        Lower levels of PNS are associated with depression (Chambers & Allen, 2002), anxiety (Friedman & Thayer, 1993), aggression (Beauchaine et al, 2007) defensiveness (Movius & Allen, 2005), post traumatic stress disorder (Hopper et al, ...
        Positive Psychology News Daily -
http://pos-psych.com 
 
        Health: Women Are The Most Stressed Over Economy; Don't Give ...
        By hbarber
        Most people are driven to counseling because of relationship problems with marriage and children, depression and anxiety. But what we're seeing today is that the economy and finances are viewed as significantly more stressful, ...
        News You Should Know | BET.com -
http://blogs.bet.com/news/newsyoushouldknow 
 
        Patients Benefit From End-of-Life Discussions With a Doctor
        By hernews
           ... to the families of people dying in the intensive care unit and provide them with a brochure on bereavement, those family members are far less likely to suffer from stress, anxiety or depression after the death of their loved one. ...
        Latest from EmpowHer.com -
http://empowher.com/rss.xml 
 
        Governor Declares Jan 19 Blues Busters Day
        19 Blues Busters Day In Recognition of Henry Ford Behavioral Health Services' Depression Program DETROIT – Michigan Governor Jennifer M. Granholm has declared Jan. 19, 2007 Blues Busters Day in recognition of Henry Ford Health System's ...
        Henry Ford News Feed -
http://www.henryford.com/ 
 
        Music Reduces Pregnancy Stress
        WebMD - USA
        Music may reduce the stress, anxiety, and depression that many pregnant women experience. A study of 236 pregnant women in Taiwan shows that the ...
Read more at:
http://www.webmd.com/baby/news/20081008/music-reduces-pregnancy-stress
 
        Millions of children may have stress disorder
        Independent Online - Cape Town,South Africa
        The South African Depression and Anxiety Group's project manager, Janine Shamos, said South Africa faced a critical shortage of mental health resources. ...
Read more at:
http://www.iol.co.za/index.php?set_id=1&click_id=125&art_id=vn20081009054459872C926315
 
        Mental health professionals see more people crushed by economic stress
        Fort Worth Star Telegram - Fort Worth,TX,USA
        "For people who have had a sense of security for most of their lives, with the possible exception of 9-11, this is a time of incredible anxiety," she said. ...
Read more at:
http://www.star-telegram.com/804/story/962287.html
 
        5 Top Tips To Boost Your Spirits
        By MrMaca
        Another issue: Over seventy percent of people who stop taking antidepressants enter into second and further episodes of stress, anxiety or depression. For another one third, they are totally ineffective. But if chemical imbalances ...
        Maca Root Blog -
http://blog.peruvian-maca.com 
 
        Anxiety and depression awareness
        Beyondblue's latest national Depression Monitor survey has shown that awareness of depression is increasing but awareness of anxiety disorders is still very low.
        HealthInsite News -
http://www.healthinsite.gov.au 
 
        Pain expert questions insurance payout caps - Nova Scotia News
        By Gary(Gary)
        That could be the case with many chronic pain sufferers, he said, some of whom also complain of stress, anxiety or depression. But on cross-examination, lawyer Barry Mason suggested that in most cases patient's pain is real, ...
        Psychology of Pain -
http://psychologyofpain.blogspot.com/ 
 
        Music Reduces Pregnancy Stress
        By News
        A new study shows that pregnant women who listen to music for a half hour per day see a reduction in stress, anxiety and depression after two weeks. Read more.
        Professional Medical Billing -
http://www.promedbilling.com/blog 
 
        Patients Benefit From End-of-Life Discussions With a Doctor
        By timeinctemp
        ... to the families of people dying in the intensive care unit and provide them with a brochure on bereavement, those family members are far less likely to suffer from stress, anxiety or depression after the death of their loved one. ...
        Health News -
http://news.health.com 
 
        10:15 pm- Economy Causing Stress, Depression
        KARK - Little Rock,USA
        Faucett says as the economy tends to drop, the number of anxiety and depression cases tend to rise. He says there are some things you can do to beat the ...
Read more at:
http://arkansasmatters.com/content/fulltext/news/?cid=126501
 
        Crisis may fuel anxiety
        Charleston Post Courier - Charleston,SC,USA
        By Jill Coley (Contact) Mental health professionals in the Charleston area are bracing for a possible wave of anxiety and depression in the wake of the ...
Read more at:
http://www.charleston.net/news/2008/oct/10/crisis_may_fuel_anxiety57373/
 
        First Anger, Then Stress
        KFDA - Amarillo,TX,USA
        And the anxiety will probably progressively replace the anger. "As compared to the Great Depression and Black Tuesday in 1987, Dr. Nguyen says the panic ...
Read more at:
http://www.newschannel10.com/Global/story.asp?S=9155582
 
        Recent stories to note
        By Joel
        Soothing Music Reduces Stress, Anxiety And Depression During Pregnancy Says Study Music therapy can reduce psychological stress among pregnant women, according to research just published in a special complementary and alternative ...
        www.anxietyselfhelp.org -
http://www.anxietyselfhelp.org 
 
        Staying Calm In Stressful Situations
        By Rick Nauert, Ph.D.
        But in some people, pathological forms of learned fear can lead to debilitating anxiety disorders, post-traumatic stress syndrome, or depression. Learned safety, on the other hand, reduces chronic stress, one of the hallmarks of ...
        Psych Central News » Psychology -
http://psychcentral.com/news 
 
        Screenings seek to target depression
        9--Tough economic times, war, political unrest, threats of terrorism and other highly stressful circumstances can contribute to depression and anxiety, mental health experts say. According to the 2008 Stress in America survey released ...
        Wellness Health News -
http://www.wellness.com/ 
 
        How to be happy: Research shows people have power to change emotions
        By Robyn
        For decades, researchers have studied negative emotions -- anger, anxiety, fear, depression -- mostly to be able to banish them. But scientists and psychologists habitually have been stymied by happiness, deeming it too subjective, ...
        American Buddhist Net - Buddhist... -
http://americanbuddhist.net 
 
        "Mental" Health Parity
        By Delany Dean, JD, PhD(Delany Dean, JD, PhD)
        ... "mental" symptoms (anxiety, depression) but "physical" symptoms, as well (including heart disease, cancer, and many other disorders). A recent news item from Science Daily, about stress-related disease in police work, includes this: ...
        mind.expressions -
http://www.delanydean.com/ 
 

 

Tuesday, October 21, 2008

Important answers to consumers concerns

Top of the day to you out there!  I'm Donna J Jodhan at the business desk.
Well, it is Tuesday once again and time for me to dip into our e-bag and draw out as many questions as I can.
We thank you for your continuing support and feedback and ask that you keep emailing us with your questions and concerns.
Please send your emails to editor@untappedwealth.com.
 

Important answers to consumers concerns
 
Question from Andrew Golding:  Donna, in a few years I am planning to retire but I am already scoping out ideas for a business to set up when I retire.  Any suggestions?
Answer:  Andrew, I just came across this very insightful article and I think that you will find it very interesting.  This article speaks to ideas for providing services for seniors.  Please give a read to it.
        A senior service
        Lawrence Journal World - Lawrence,KS,USA
        This means that many baby boomers will eventually be unable to drive. Literally thousands will have to rely on  paratransit services to get groceries and to ...
Read more at:
http://www2.ljworld.com/news/2008/oct/08/senior_service/?opinion
 
Question from Hugh Cardin:  I would like to learn more about protection from Cyber pirates.  What can you tell me?
Answer:  Hugh, here you go.  This is National cyber security awareness month and I found this article on my desk a few days ago.  Please give it a read.  Hope this helps.
        USA.gov:National Cyber Security Awareness Month,
        By Shakespere(Shakespere)
        However, the speed at which information can be transferred to and from your computer and the fact that it stays connected to the Internet for long periods of time makes it a more likely target for hackers than dial-up Internet users. ...
        Stuff to Blog About -
http://shakespereblogs.blogspot.com/ 
 
Question from Kevin Stucky:  Donna, I would like to know what else I can use to market my business in addition to my business card and my website.  Any ideas?
Answer:  Kevin, yes.  There is much more that you can do in addition to using these two tools.  Tools such as:  Word of mouth, blogs, newsletters, articles, and ads.  The reference below should provide you with more than I have listed here.  Hope this helps.
        Mashable!
        By info(info)
        The power of the web has created the golden age of the individual. Social Media tools provide us with more opportunities than ever to shine. But these days it takes much more than a website and a business card to get attention. ...
        Info -
http://informasya.blogspot.com/ 
 
Question from Roger Hamilton:  Donna, how much do you think are we being affected by the present economic crisis?  Answer:  Roger, if you are referring to our mental health, then according to the majority of experts, we are being greatly affected.  Our mental health is taking a big beating these days due to the present economic crisis.  Stress, anxiety, and depression are all on the increase and I urge you to read my reference below.  Whenever economic downturns occur, stress, anxiety and depression go up and whenever there are economic upturns, these three variables usually seem to decline.  So, inverse trends. 
        Financial indicator: Stress up
        Chicago Tribune - United States
        ... of stress, such as headaches (56 percent versus 36 percent of men); depression or sadness (56 versus 39); and nervousness or anxiety (55 versus 43). ...
Read more at:
http://www.chicagotribune.com/news/nationworld/chi-stress-studyoct08,0,3806147.story
 
Question from Joan Booth:  I am looking for reports that can tell me how the various sectors are presently doing these days given the worsening economy.  Which sectors tend to do better when things are good and which ones do badly when things are bad.
Answer:  Joan, a very good question and it is one that we as small businesses should all be asking.  We can certainly use these types of reports to help us plan, forecast, and prepare.  I have chosen an appropriate reference for you below.  Hope this helps.
        How is your sector faring in the downturn? A Smart Company guide
        SmartCompany.com.au - Melbourne,Victoria,Australia
        "Our business tends to be counter cyclical – so our revenue opportunities can increase in tougher times. When financial institutions are faced with cost ...
Read more at:
http://www.smartcompany.com.au/Free-Articles/The-Briefing/20081008-How-is-your-sector-faring-in-the-downturn-A-SmartCompany-guide.html
 
Question from Nora Winston:  Do you think that more baby boomers will be thinking twice about retiring now because of the economic downturn?
Answer:  Nora, definitely so.  Recent surveys show that more and more aging baby boomers are thinking twice about retiring soon.  They along with the rest of us are all watching carefully to see how things go and my reference below discloses some very interesting but not startling facts.  Hope this helps.
        Super fears to keep boomers working
        By RK Milton(RK Milton)
        18 hours ago A survey says more than 50% of baby boomers will have to delay their retirement by 5+ years...  Research and Markets: A Databook on the Growing OTC Healthcare Market in South Africa, with Forecasts to 2011, ...
        Seniors Health News -
http://seniorshealth.blogspot.com/ 
 
Question from Sally Right:  Donna, can you tell me how I go about obtaining my credit reports on my credit status?
Answer:  Sally, here you go.  This article has some great info for you and even discusses how to repair your credit.  Hope this helps.
        Credit Repair - How to Get Your Credit Reports Painlessly — by IAN ...
        By admin
        A Few Good Tips. Once you decide to take this path here are three pointers. You should jot these down. Your credit repair project will benefit. Here you go. One, make a note of your user name and password; you may want to log back in ...
        Free Articles -
http://www.126126.info 
 
Question from Aileen Ritchman:  I can't seem to find information on how to discover opportunities with multi cultural based businesses.  Can you help me?
Answer:  Aileen, great question.  I would like you to know that multi cultural business opportunities are growing at a very fast clip and if the dynamics of multi culturalism really interest you, then you owe it to yourself to check out my
reference below.  There are tons of multicultural business opportunities right here in our backyard in America.
        Can You Speak the Language of Business with Other Cultures? : By ...
        DiversityBusiness.com (press release) - Southport,CT,USA
        DiversityBusiness provides research and data collection services for diversity including the "Top 50 Organizations for Multicultural Business Opportunities" ...
Read more at:
http://www.diversitybusiness.com/news/diversity.magazine/99200809.asp
 
Question from Justin Baird:  Donna, what do you think about more and more persons eating wisely and carefully during this financial crisis? 
Answer:  Justin, I think that there is much truth to your question in that during hard economic times, more people seem to make a bigger effort to eat more wisely and healthily.  It is what many experts have been saying for many years now and one thing is for sure:  When times are good people spend more on eating luxuriously, heartily, and even unhealthily but when the crunch time comes then most of us smarten up and become more careful in how and what we eat.  Please check out my reference below and I hope it helps to answer your question.
        The Shaky Economy: Is it Changing the Way People Take Care of ...
        MarketWatch - USA
        Seventy-eight percent say exercise and healthy eating would help them save money in the long run, while 54 percent say these behaviors would help them earn ...
Read more at:
http://www.marketwatch.com/news/story/shaky-economy-changing-way-people/story.aspx?guid=%7B6F00E0D5-53BD-4ECE-A7DE-87F448EE638F%7D&dist=hppr
 
Question from Harry Brubaker:  Do you think that the home business economy will dry up during these difficult economic times?
Answer:  Harry, it is difficult to say what will happen in the case of the home business economy but according to my reference below, it says that this particular sector is continuing to thrive.  Give a read to my reference below.  This is a very interesting article.
              Business Wire (press release)
        US Home-Based Businesses to Spend US$1.3B on Security and Storage
        Business Wire (press release) - San Francisco,CA,USA
        AMI's 2007 US Home Based Business Overview and Comprehensive Market Opportunity Assessment study highlights these and other major trends in the context of ...
Read more at:
http://www.businesswire.com/portal/site/google/?ndmViewId=news_view&newsId=20081006005174&newsLang=en
 
Question from Yannick Skoola:  Are baby boomers going to be forced to work longer years than they originally planned because of the economic downturn?
Answer:  Yannick, I think so.  So many of us have lost big in the markets during the past few weeks and baby boomers are no exception.  Many of them are probably going to decide to work longer now in order to recover their losses.  My reference below has some very interesting facts to reveal.  Hope it helps.
        Retirement planning: Nest egg or goose egg?
        Minneapolis Star Tribune - Minneapolis,MN,USA
        Baby boomers once on the brink of retirement now expect to continue working longer. Retirees are struggling to figure out how they'll last on what's left. ...
Read more at:
http://www.startribune.com/local/west/30661669.html?elr=KArksLckD8EQDUoaEyqyP4O:DW3ckUiD3aPc:_Yyc:aULPQL7PQLanchO7DiUr
            
Question from Mark Sanco:  How bad is the effect of our economic crisis having on our mental health?
Answer:  Mark, it is very bad and it is very real and I urge you to read my reference below.  This reference paints a very daunting but real picture.
        Mental health professionals see more people crushed by economic stress
        Fort Worth Star Telegram - Fort Worth,TX,USA
        "For people who have had a sense of security for most of their lives, with the possible exception of 9-11, this is a time of incredible anxiety," she said. ...
Read more at:
http://www.star-telegram.com/804/story/962287.html
 
Question from Beverley London:  Are more parents moving in with their children, or are more children staying longer at home with their parents?
Answer:  Beverley, Based on the reference that I am providing below, it seems that more parents are moving in with their children because of bad financial planning.  I am going to defer to this article and ask that you draw your own conclusions.
        More parents moving in with their children
        KSL-TV - Salt Lake City,UT,USA
        Many baby boomers and seniors are financially ill-prepared for retirement. They're getting in trouble with debt."  Anderton says the average 60-year-old is ...
Read more at:
http://www.ksl.com/?nid=148&sid=4479692
 
Question from Pat Fielding:  What are your thoughts on hackers being able to hack into your online banking details?
Answer:  Pat, hackers are becoming more and more sophisticated when it comes to being able to hack into one's online banking accounts and my opinion is that no banking site is completely hacker proof.  I think that my reference below will give you some insight and tips on this topic.  Hope it helps.
        IS YOUR HARD-EARNED MONEY-SAFE ????? Internet Hacking
        By vidhya.rakesh@gmail.com
        Many fraudsters use real phone numbers to make the e-mail appear legitimate. Online and Computer Security Tips • To provide our customers with secure online access, Bank continually works to maintain and improve our online security. ...
        Cite HR Human Resource Management -
http://www.citehr.com 
 
Question from Mitch Reins:  Where can I find some information on cyber bullying?
Answer:  Mitch, here you go.  A very interesting article for you to read.
        Cyberbullying: Parents, Tech Companies Join Forces to Keep Kids Safe
        FOXNews - USA
        Symantec offers online tips at its Norton Family Resource Center. According to Parry Aftab, an Internet security and privacy lawyer and founder of ...
Read more at:
http://www.foxnews.com/story/0,2933,435981,00.html
 
Question from Jill Shilton:  Donna, is this cyber security awareness month and if so, do you have any info that I can read?
Answer:  Jill, yes.  Here you go.  A perfect article for you to read.
              The Tech Herald
        NCSAM: Kids and the Internet (Part 1)
        The Tech Herald - Indianapolis,IN,USA
        In this article, continuing the National Cyber Security Awareness Month coverage, The Tech Herald will look at some of the stats surrounding Kids on the ...
Read more at:
http://www.thetechherald.com/article.php/200841/2220/NCSAM-Kids-and-the-Internet-Part-1
 
  I am out of time for this week but before I leave you, here is my tip of the week.
What could be a great business opportunity for you to explore?  How about one that caters to the demands and needs of a growing seniors market.  These consumers are going to be demanding services to help them get to places such as the grocery and supermarket, restaurants, and so on.
 
At the business desk, I'm Donna J Jodhan wishing you a terrific day and week ahead.
 
 

Monday, October 20, 2008

A senior service

Good day everyone!  I'm Jeff N Marquis at the business desk. 
Today I would like to zoom in on a very healthy trend that has the potential to bring you tremendous personal and financial satisfaction.  Yes, in the midst of so much economic doom and gloom, there is a light at the end of the tunnel and I would like you to examine this delightful trend.
At the business desk, I'm Jeff N Marquis wishing you a pleasant day.
 
 
News for retirees, aging baby boomers, and seniors
Breaking news!          A senior service       
 
        'Zoomer' voters wield clout
        TheTyee.ca - Vancouver,British Columbia,Canada
        As the first baby boomers hit 65, CARP is aggressively recruiting the 45+ kids born in the mid-1960s, and naming them the "Zoomers." Konstantin Bernaschek ...
Read more at:
http://www.thetyee.ca/Blogs/TheHook/Federal-Politics/2008/10/07/ZoomerVoters/
 
        A senior service
        Lawrence Journal World - Lawrence,KS,USA
        This means that many baby boomers will eventually be unable to drive. Literally thousands will have to rely on paratransit services to get groceries and to ...
Read more at:
http://www2.ljworld.com/news/2008/oct/08/senior_service/?opinion
 
        The Shot Heard Round the World
        OpEdNews - Newtown,PA,USA
        After all, with all the baby boomers retiring soon we must either raise taxes or cut benefits and John's made it clear that he has chosen his side. ...
Read more at:
http://www.opednews.com/articles/The-Shot-Heard-Round-the-W-by-David-Glenn-Cox-081008-838.html
 
        NaturalNews.com Congressional Birdbrains - Your Health at Risk
        By derketchup
        Politicians certainly can't upset seniors, baby boomers, or minorities , how could they win? Even worse, how can they stay in power? It is a sad comment on the decline of the moral fiber of a society when candidates pander to drooling ...
        Organic Grocery Deals -
http://www.organicgrocerydeals.com/forums 
 
        Super fears to keep boomers working
        By RK Milton(RK Milton)
        18 hours ago A survey says more than 50% of baby boomers will have to delay their retirement by 5+ years... Research and Markets: A Databook on the Growing OTC Healthcare Market in South Africa, with Forecasts to 2011, ...
        Seniors Health News -
http://seniorshealth.blogspot.com/ 
 
        Retirement planning: Nest egg or goose egg?
        Minneapolis Star Tribune - Minneapolis,MN,USA
        Baby boomers once on the brink of retirement now expect to continue working longer. Retirees are struggling to figure out how they'll last on what's left. ...
Read more at:
http://www.startribune.com/local/west/30661669.html?elr=KArksLckD8EQDUoaEyqyP4O:DW3ckUiD3aPc:_Yyc:aULPQL7PQLanchO7DiUr
            
              The Oregonian - OregonLive.com
        Lack of affordable options in Lake Oswego forcing many seniors out
        The Oregonian - OregonLive.com - Portland,OR,USA
        Nationally, with members of the 78-million-strong baby boomer generation turning 60 at a rate of eight a minute, the country is scrambling to find solutions ...
Read more at:
http://www.oregonlive.com/clackamascounty/index.ssf/2008/10/lack_of_affordable_options_in.html
 
        Politicians and Pancakes
        Springfield Connection - VA,USA
        While many think the large influx of baby boomers into Social Security, Medicaid and Medicare will overload the systems, Firman turned that concept on its ...
Read more at:
http://www.connectionnewspapers.com/article.asp?article=320555&paper=72&cat=104            
 
              New Jersey Jewish News
        Aging services expand under federal funding
        New Jersey Jewish News - Whippany,NJ,USA
        "As baby boomers are retiring from the workforce, a huge majority of individuals do not want to sit at home and engage in hobbies and [lead] sedentary, ...
Read more at:
http://www.njjewishnews.com/njjn.com/100908/mwAgingServicesExpand.html
 
        More parents moving in with their children
        KSL-TV - Salt Lake City,UT,USA
        Many baby boomers and seniors are financially ill-prepared for retirement. They're getting in trouble with debt." Anderton says the average 60-year-old is ...
Read more at:
http://www.ksl.com/?nid=148&sid=4479692
 
        Nortel, Westcon: Secure Mobility IT Solutions, Including VoIP ...
        TMCnet - USA
        ... our seniors, and service providers long have been bracing for the influx of baby boomers that are expected to start qualifying for retirement benefits ...
Read more at:
http://hdvoice.tmcnet.com/topics/unified-communications/articles/42325-nortel-westcon-secure-mobility-it-solutions-including-voip.htm
 
        What I WISH they'd tell us.
        By admin
        As the baby boomers get older, there are more of them than people paying into the system. To maintain
benefits, taxes would have to go up. Way up. No way around that, unless we cut benefits, delay retirement age, and adjust eligibility ...
        Captain Digital Speaks! -
http://captaindigital.net 
 
        AARP
        By Butch Hamilton-SEO Master(Butch Hamilton-SEO Master)
        AARP: Health, Travel, Baby Boomers, Elections, Financial Planning, Family, Games, Volunteer, Retirement, Discounts, Seniors. AARP is a membership organization leading positive social change and delivering value to people age 50 and over ...
        Current Business News -
http://currentbusinessnews.blogspot.com/ 
 
        Letter from a voter and Hometown America must save America
        By Leftfoot Leeds(Leftfoot Leeds)
        The promise, then, was that Baby Boomers would actually "pre-fund" their own retirement with astoundingly increased taxes, decades ahead of time. It was also promised as relief to the coming generations so they would be free of ...
        District 50A Blog -
http://district50ablog.blogspot.com/ 
 
        Crisis Looms for Florida Elder Care Services
        Insurance News Net (press release) - Harrisburg,PA,USA
        Baby Boomers Want Independent Living Baby Boomers whose parents may have been satisfied with nursing home care will opt for independent or assisted living ...
Read more at:
http://www.insurancenewsnet.com/article.asp?n=1&innID=865044385
 
        New Senate Bill Aims to Help Seniors, Aging Baby Boomers Stay in ...
        New Senate Bill Aims to Help Seniors, Aging Baby Boomers Stay in Workforce (Posted by Administrator) Retirement trends could create a US labor shortage of 4.8 million workers in 10 years May 7, 2008 - Although many of today's senior ...
        KTBB News|Sports|Talk - SeniorNews -
http://www.ktbb.com 
 
        Stuart Shapiro: Presidential Candidates Lack Long-Term View on ...
        By Stuart Shapiro
        The reality is that how we pay for the long-term care needs of 80 million baby boomers, the first of whom are retiring this year, promises to be one of our nation's most serious social and fiscal challenges now and in the future. ...
        The Huffington Post Full Blog Feed -
http://www.huffingtonpost.com/theblog/ 
 
        Obama leads McCain by 5 points in Florida
        ``The pre-retirement baby-boomers – the ones who are 60 to 65 – are petrified about their pensions and about paying their children's college loans,'' she said. ``That's the group that's shifting the most to Obama.''
        Juice: National politics -
http://weblogs.sun-sentinel.com/news/politics/dcblog/ 
 
        Predicting Conventional Old Age For '60s Generation
        By Seniors / Aging News From Medical News Today
        Britain's post-war baby boomers, associated throughout their lives with social change, are failing to break new ground in their approach to growing old. Academic research supported by the Economic and Social Research Council and Arts ...
        Senior Prescription Savings -
http://www.seniorprescriptionsavings.com/ 
 

 

Saturday, October 18, 2008

How the news media can affect our nerves

Good morning!  We at the business desk would like to share an article with you that came to our attention last week.
In keeping with the present economic crisis and all of the uncertainty surrounding us, we feel that this article would be appropriate for our readers to digest.
We would like to thank the research team at www.sterlingcreations.ca for passing this on to us.
At the business desk, we the business team wish you a pleasant weekend.
 

"Be fearful when others are greedy and greedy when others are fearful"  Warren Buffett
 
Amid the present doom and gloom that is being projected from newspaper headlines, television screens and radio broadcasts, investors may be starting to question their overall investment strategy as they view their portfolios online and receive monthly statements. The media bombards us, making some investors second guess their overall financial plan and investment strategies as our emotions take the better of us. As with the quote above, fear is an emotion that needs to be controlled as an investor so as to begin to spot opportunities. Recently the VIX Index (also know as the "fear index") hit a score of 42. Rarely does it go above 40 except during similar frightening events of the past like the collapse of hedge fund Long Term Capital Management, the Asian Currency Crisis and the lead up to the Iraq war in 2002. Obviously, fear and emotional turmoil have now set in, propagated by the emotive media headlines.
 
I spent some time last night looking at headlines to illustrate this point:
 
__________________________________________________________________________________________________________________________
 
Headline #1
Public Dismay on Savings Disaster Grows, Poll Finds
"The public has grown increasingly disenchanted with President Bush's handling of the savings and loan crisis, but most Americans still place ultimate blame on the managers and owners of industry, according to the latest New York Times/CBS News Poll. The high negative ratings for the President on the subject have apparently spilled over to his fellow Republicans. By a margin of more than 2:1, Americans said they faulted Republicans more than Democrats for the crisis, which experts now calculate will cost taxpayers at least $500 billion over the next 30 years."
 
Headline #2
Dow Hits Lowest Level in Nearly Four Years as Crisis of Confidence Worsens;
"The Dow Jones Industrial Average sank to its lowest level in nearly four years Friday in a selloff that only further highlighted the drastic loss of confidence in the stock markets in the United States. It was the seventh-biggest point drop ever for the world's most widely watched stock average. Mixed earnings results from big name companies, news of government investigation at XXX, and worries of a possible bankruptcy filing by XXX gave already jittery investors more reason to head for the exits… The Dow tumbled 390.23 to XXX bringing the 30 share index down 1360 points over the past two weeks and leaving it at it's lowest level since XXX."
 
Headline #3
The Asian Crisis: The Selloff; A Plunge in Hong Kong Shakes Markets
"A plunge in the Hong Kong stock market, touched off by an attack on the local currency, shook financial markets around the world yesterday. Stocks lost 10.4% of their value in Hong Kong, causing a frantic selloff first in Japan and then on Europe's stock exchanges when they opened for business. Hours later, Wall Street was engulfed as well."
 
Headline #4
Stocks Plunge 508 points, A Drop of 22.6%; 604 Million Volume Nearly Doubles Record
__________________________________________________________________________________________________________________________
 
The headlines above were disheartening when first read by investors in the past, yet the markets and the economies of those regions all recovered over time.
 
I say the past because I've left out the dates of these headlines to illustrate my point. Reading them without a point of reference, you would probably infer you were reading current headlines.  I find similarities occur over time as economic cycles come and go, and uncertainties emerge. When headlines are read in the heat of the moment of any crises or economic upheaval they tend to create a type of tunnel vision for investors who focus on the short-term news rather than sticking to their life long investment plan. We've experienced market volatility before and will continue to do so for the rest of our lives. Similar to these past events, once the crises and economic recessions pass markets tend to recover at a rapid pace the first three months out from the bottom and continue for a couple years thereafter. For example, take another look at the headlines I discussed above (shown below) and notice the Toronto Stock Exchange (TSX) recovery during the months and years following after the "bottom" was reached.
 
                                                                               
 
                        Bear Market             Duration        Returns Returns Returns
Headline #1                     Began   % Decline       (Months)        3 Months        12 Months       2 Years
New York Times                                                                
August 26th, 1990                                                                     
Savings and Loans Crisis                                                                      
President Hubert W. Bush                        July 16th, 1990 -19.90% 3 months        13.10%  29.10%  58.50%
                                                                      
Headline #2                                                                   
CNN/Money                                                                     
July 19th, 2002                                                                       
Corporate fraud of Enron/WorldCom                                                                     
& Iraq War build up.                    March 24th, 2002        -49.10% 31 months       7.90%   22.20%  17.70%
                                                                      
Missing Information                                                                   
Johnson & Johnson,                                                                    
WorldCom,                                                                     
8019.26,                                                                      
Oct-98                                                                
                                                                      
Headline #3                                                                   
New York Times                                                                
October 24th, 1997                                                                    
Asian Currency Crisis                   July 17th, 1998 -19.30% 2 months        21.50%  37.90%  36.70%
                                                                      
Headline #4                                                                   
New York Times                                                                
October 20th, 1987                                                                    
Black Monday                                                                  
1987 Stock Market Crash                 August 25th, 1987       -33.50% 3 months        16.30%  18.80%  37.70% 
 
 
Previous Recoveries from Bear Market Bottoms
It's important to understand the mechanics of past bear markets (typically described as a greater than 20% drop in the stock market), which normally occur around contractions in the general economy (recessions). Recessions are a normal part of life, they have happened in the past and will happen in the future. Since the 1940's the United States has been in 10 recessions (defined as two consecutive quarters of negative GDP growth). These economic slumps, though gut wrenching for many, rarely hit the level of national tragedies experienced during the Great Depression. Average lengths of recessions are approximately 10 months with unemployment levels reaching 7.6%. The worst recessions have lasted 16 months (1973/74 and 1981/82) and see unemployment levels peak at 9% and 10.8% respectively. Presently the US unemployment rate has hit 6.1% and technically has not turned into a recession, even though now we anticipate one.
 
Since the 1940's, ten bear markets have occurred with average declines of 31.5% for the S&P 500 index (US stock market). The largest declines occurred in 1973/74 and recently in 2001/02 when the index declined by close to 50% before recovering. To date, the index has declined by almost 35% from it's peak last year (October 2007).
 
I've attached a few reports for those that are interested, one from RBC Dominion Securities that looks back on various bear markets and their recoveries plus an article from Jim O'Shaughnessy (Manager of RBC O'Shaughnessy group of mutual funds) titled "The Only Thing to Fear is Fear Itself," which analyzes the emotional decisions typical US investors make along with the long-term historical returns of equities since the Great Depression, including forecasts for US equities until 2020.  
 
        <<Research - RBC Market Update (Oct.6-08).pdf>> <<Research - O'Shaughnessy (History of US Markets).pdf>>
 
Why Invest In Equities at All?
Investing in equities provides the best long-term returns when compared to all the other alternatives. Based on Jim O'Shaughnessy's analysis (in article attached above) using rolling 20 year returns (adjusted for inflation) for the S&P 500, there was never a negative return during these long-term periods. Even during the 1929 crash and the Great Depression (1928-1948), using a 20 year period to gauge performance, he was able to maintain a positive return for stocks (0.55% per annum).
 
Proper portfolios are designed around risk tolerances, time frames and income needs. Therefore, for clients' RRSPs that are 10-20 years away from ever being used in the normal course of retirement they can hold a Growth or Aggressive Growth mandate invested primarily in equities. For other clients that have a more limited window as retirement approaches, they would begin shifting into a more Balanced or even a primarily Income-oriented portfolio where equities are either half or less of the portfolio's overall weighting. A small portion in equity holdings help the portfolio from what I like to call "the silent killer" - inflation. By being short sighted or risk adverse, such as someone only holding bonds or T-Bills for a long period of time, then inflation would eat away at their overall purchasing power making them worse off than if they held a minor portion of equities within a diversified portfolio.
 
Let's review another well known Balanced Growth portfolio: the Canada Pension Plan. It was realised years ago that the Canada Pension Plan (CPP) needed to invest in a broader array of investments to generate returns to keep pace with the population boom and need for income by retirees. The CPP thus shifted it's mandate from only investing in provincial bonds to a more diversified portfolio. It may be a surprise but the CPP's present portfolio allocation is actually 62% equities (public and private shares), 24% fixed income and money market instruments, 6% real estate, 4% inflation linked bonds, 2% infrastructure and 1% "alternative return strategies."  This diversified portfolio is primarily invested in Canada which has assisted returns over the past few years due to our booming commodities, but as of late the same general negative results are being felt by the CPP investment committee as in your own portfolios because they hold similar investments. The CPP is not as conservative as you may have thought with 62% allocated to equities and it's what is needed to propel growth over the long-term to pensioners.  The difference is that you don't receive a statement of the current market value of your CPP pension versus the statements you receive from RBC Dominion Securities. Therefore, this mandate is allowed to stay on course, without the emotional investment decisions made by some reactive investors, to fulfill the CPP's financial goals to all pensioners.
 
 
 
Opportunities Being Presented to Investors
Our general investment theme over the past few years has been built on the premise of the Canadian economy feeding off of the world's expansion. The emerging markets, such as China and India, along with the rest of the G7 nations required our resources to propel their economies through this expansionary phase. However, in the past two years we made tactical changes to our portfolio model to reduce our Canadian exposure and take advantage of the strong Canadian dollar to go abroad and invest in global assets, primarily in the US and Europe.  We purchased foreign equities through mutual fund managers Jim O'Shaughnessy (O'Shaughnessy Group of Funds), John Arnold (AGF European), Dana Love (Trimark Europlus), Brandes Investment Partners (Brandes International Equity), Peter Cundill (Mac. Cundill Funds) and even global fixed income through Randy LeClair (AIC Global Bond) and Templeton's Fixed Income Team (Templeton Global Bond Fund). We anticipated the Canadian dollar would weaken as the global economic slowdown and recessions approached (although we never expected the global banking crisis that has recently developed), which made our international investments prosper from a currency exchange standpoint and limiting our exposure to commodities as prices seemed overheated.
 
Currently, the themes are similar - foreign markets look cheap from an earnings standpoint versus the Canadian marketplace, our currency could continue to decline but a large part of the anticipated drop has already occurred over the past 60 days. Our mutual fund managers have been allocating more into financials during the crisis but have primarily been purchasing retail banks and insurance companies. Channel checks with them confirm they do not hold US investment banks that have failed or have been taken over at depressed prices, and no holdings in AIG, Fannie May and Freddie Mac.  Equities are beginning to show tempting value here for us to begin cost averaging in, knowing more downside risks remain especially when you consider past deeper bear markets where declines in the indexes approached -50%. Changes we are tactically making in our clients' overall portfolios are not for days or weeks. Rather, our investment thesis looks out at themes for close to 2-3 years when we make these new allocations. Therefore, we like global equity investments and shy away from an overweight in Canadian holdings.
 
On the fixed income side we made allocations to global bonds over the past year.  Initially this wasn't proving fruitful but we stuck to our guns believing everything eventually reverts back to the mean.  The US/CDN dollar exchange rate over the past 30 years has averaged $0.78. When our dollar rose abruptly to $1.10 last year, due to crude oil speculation and gold bullion prices, it seemed temporary.  This thesis is now playing out as the Canadian dollar is beginning to slip against the US ($0.905) and other foreign currencies, adding returns to the global bond allocation that are greater than the domestic bond performances over the past year. We continue to like this option for the short-term as global central banks now play catch up and begin cutting their domestic interest rates to stabilize their economies, adding further gains to global bond holdings.
 
A new theme has emerged from the panic of today - corporate bonds.  In March we began looking at yield spreads between government bonds against investment grade and high yield bonds. Typically the higher the risk the high the return expected by investors. In this case safety is found in government bonds where many investors have remained or gone to in reaction to the fear of the marketplace. But during the chaos of Bear Stearns' near failure, we saw a trend develop where the interest rate spreads (between corporate and government bonds) began to widen again from lows set the previous summer (2007).  Spreads indicate the amount of extra yield investors are demanding for the risk they are taking when buying corporate bonds. Back in March 2008, high yield spreads had widened to over 880 basis points (8.8%) when Bear Stearns failed. Now with the present crisis spreading globally throughout many banks and other financial institutions, spreads have skyrocketed to almost 1300 basis points (13%) above what US treasuries (T-Bills) are paying. Even investment grade bonds (very high quality bonds) have spreads in the 500 - 700 basis point range above treasuries. Again, as a long-term investor we see opportunity here to begin cost averaging (e.g. buying portions over time) in an appropriate position because we believe things will ultimately revert back to the mean.  Present day yields from investment grade and high yield bonds are within the 10-15% for such fully diversified mutual fund portfolios run by Phillips Hagar & North and TD Asset Management for our clients; whereas present yields for treasuries are 0.90%/3 mth, 1.85%/2 year, 3.75%/10 year, 4.27%/30 year, historically at the low end of their range.
 
 
 
Conclusion
In our next edition of the Common Cents Newsletter (I will be restarting this quarterly newsletter now that my twins are a bit more self-sufficient), I will expand on the themes above plus review what actually occurred during the Great Depression, comparing similarities and differences to today's real estate/economic and banking crisis. Please look for this to hit your e-mails/mail box within the next 10 days.
 
Here are three simple things to keep in mind for this financial crisis:
 
1) Don't panic and stay on course to your overall financial plan which was build for the long-term. Not unlike your home which may decline in value going forward, you would never think of selling this and renting just to try and buy back at the bottom.  The same can be said here with regards to your retirement, corporate and educational investment portfolios.  The key is to construct the appropriate allocation to adhere to the time frame and financial goals you have set for yourself and your family over a life time.
 
2) Let history be your guide. On a year by year basis stock/bond markets can go up and down but over longer periods of time and with certain percentages of your portfolio equities as with other assets classes tend to continue to appreciate.
 
3) Stay diversified. As per my earlier e-mails the largest risks we uncover are the unsystematic risks taken by some investors who are focused in one geographic area or have invested the majority of their savings in one or a few companies. If these larger bets don't pan out, the hit to the portfolios could be unrecoverable.
 
Times like these can be stressful when focusing only on the noise of today.  We continually monitor your investments, carry out our semi-annual face-to-face reviews, staying up to date on the latest market, economic and corporate earnings.
 
If you have any questions about what's happening in the markets, or any concerns about your investments, please don't hesitate to call us.
 
Thank you for your continued trust and confidence.
 
Sincerely,
Richard
 
Richard Papadina, B.A.S., PFP, CIM
RBC Dominion Securities Inc.
111 Grangeway Avenue, 2nd Floor
Toronto, Ont.   M1H 3E9
Tel: (416) 289-5655/ Fax: (416) 289-3561
1 (888) 440-7680
richard.papadina@rbc.com
 
Wealthcare for Healthcare - Private Wealth Management for Healthcare Professionals
 
RBC Dominion Securities Inc. is a member company of RBC Investments. The information contained herein has been obtained from sources believed to be reliable at the time obtained but neither RBC Dominion Securities Inc. nor its employees, agents, or information suppliers can guarantee its accuracy or completeness. This report is not and under no circumstances is to be construed as an offer to sell or the solicitation of an offer to buy any securities. This report is furnished on the basis and understanding that neither RBC Dominion Securities Inc. nor its employees, agents, or information suppliers is to be under any responsibility or liability whatsoever in respect thereof. The inventories of RBC Dominion Securities Inc. may from time to time include securities mentioned herein.  The contents of this mail are intended for Ontario residents only.
 
 

Friday, October 17, 2008

The Credit Crunch and Small Business

Hey there!  I'm Alix Shadonnay at the business desk.
If I were to tell you that the outlook for small businesses at this time is not as gloomy as you may think, would you believe me?  If I were to tell you that there are several small banks out there that are willing to extend credit to small businesses despite the credit crunch, would you believe me?
If you would like to learn more, then please read our news roundup below.
At the business desk, I'm Alix Shadonnay wishing you a great October weekend.
 
 
Our Amazon picks of the week
Doing God's Business: Meaning and Motivation for the Marketplace
   By R. Paul Stevens
Please do not be thrown off by this title.  This book is dynamic, has many theories for the reader to explore and discover, and the author has put together a good book of reading.
 
Constructivist Learning Design: Key Questions for Teaching to Standards
   By George W., Jr. Gagnon
A good book for instructors to read.  Many approaches to learn about and attempt.  This book belongs on many shelves.
 

Home business opportunities, Internet business opportunities, small business opportunities, business opportunities in Asia
Breaking news!                  The Credit Crunch and Small Business
 
        Blooming times for retail sector
        GulfNews - Dubai,United Arab Emirates
        As business thrived, retailers saw opportunities to expand into neighbouring countries, according to Eisa Adam Ebrahim, the chairman of the Dubai Shopping ...
Read more at:
http://www.gulfnews.com/business/Business_Feature/10248908.html
 
        Babybulls.com: BabyBulls.com Alerts for Tuesday, September 30 ...
        Trading Markets (press release) - Los Angeles,CA,USA
        BabyBulls.com is a leading information resource for evaluating investment opportunities in small and microcap stocks. We focus on a limited number of ...
Read more at:
http://www.tradingmarkets.com/.site/news/Stock%20News/1911060/
 
        BT Launches Inter-company TelePresence Capability With BT Global ...
        MarketWatch - USA
        With this new service, companies can now connect to external business partners that have Cisco TelePresence systems. With businesses focusing on reducing ...
Read more at:
http://www.marketwatch.com/news/story/bt-launches-inter-company-telepresence-capability/story.aspx?guid=%7BCD72447F-A4B7-407D-A576-7024DFA1C31A%7D&dist=hppr
 
        Mike's Writing Newsletter/Oct. Issue!
        By Michael Geffner(Michael Geffner)
        Mike's Writing Newsletter does not guarantee any offers made by any of the advertisers, sponsors, or business opportunities mentioned herein. While every business and persons associated with said businesses are believed to be reputable, ...
        Mike's Writing Workshop & Newsletter -
http://mikeswritingworkshop.blogspot.com/ 
 
        Gollum Still Wants To Get That $700 Billion
        By ElaineMeinelSupkis
        He also said he thinks the crisis in the US, Europe and Asia will create investment opportunities in various areas, such as the real estate and financial sectors, indicating that the KIA will review its portfolio. ...
        EZ READING MONEY MATTERS -
http://elainemeinelsupkis.typepad.com/ezmoneymatters/ 
 
        Payments News There are 9 new articles in "Payments News - from ...
        By emty(emty)
        Cisco's Internet Business Solutions Group has announced results of a survey finding that "important consumer segments such as baby boomers trust online payment providers more than they trust traditional banks." ...
        Tips for getting Home Mortgage -
http://wou-homemortage.blogspot.com/ 
 
        Remember the Milk's Co-Founder on the Future of Task Management
        By Kevin Purdy
        It'll be cool to see further innovation in mobile devices; I think that anything that gives people more Internet connectivity without being tied to a computer provides pretty exciting opportunities for web services. RTM anywhere! ...
        Lifehacker: Top, not Linux, not Mac -
http://lifehacker.com/tag/top 
 
        Bizcommunity.com - Tuesday
        By Wilson(Wilson)
           Justmoney is looking for a senior player to join the business in a commercial capacity. This is a fantastic opportunity to take an established, profitable business to the next level. read more. Projects Administrator - Johannesburg - ...
        islan -
http://nasquenatioj.blogspot.com/ 
 
              WorldChanging
        Meet the New Worldchanging Team!
        WorldChanging - USA
        Sitting at the helm of Worldchanging's business development, this Oklahoma native has her capable hands full managing various projects, crunching numbers, ...
Read more at:
http://www.worldchanging.com/archives/008790.html
 
        "Big Bang"- 1000 and Beyond
        By tin2(tin2)
        638-The Rising Blogger 639-Saturday 9 640-haekal-bloger 641-The World Through My Eyes 642-Blog Income Project 643-Nelle - EmpressReviews 644-home for business 645-Kaleidoscope 646-Intrepid Ideas 647-Life in the United States ...
        Footnotes and Paper Trails -
http://myyogamat.blogspot.com/ 
 
        Google Alert - Make Money From Home Guide
        By ma3naido(ma3naido)
        The author David Garn is a successful top income earner in the home business industry. ... Make Money Online | Internet... - http://www.workathome-guide.com. Make Money Online Tips - Learn How to Make Money Online Through . ...
        Home Based Business Opportunity -
http://best-answer.blogspot.com/ 
 
        BT Launches Inter-company TelePresence Capability With BT Global ...
        Ross Fowler, vice president, service provider, European Markets, Cisco, commented: "The cost, efficiency and environmental arguments for Cisco TelePresence are now just too strong to ignore, and we see strong growth opportunities for ...
        Telepresence Options - Industry... -
http://www.telepresenceoptions.com/ 
 
        Daily Dose: 10/01/08
        By AsianWeek Staff
        The AAACC Lotus Award recognizes individuals that have contributed greatly to the Asian community through business and civic efforts. The AAACC will present the award at its annual Discover Asia dinner banquet on Saturday, Oct. ...
        AsianWeek -
http://www.asianweek.com 
 
        The Credit Crunch and Small Business
        By susak(susak)
        The Credit Crunch and Small Business. Amid the widespread crisis, even healthy small businesses are feeling the squeeze. But some banks see an opportunity to lend. Inside: This Week in SmallBiz. How directly will small business lending ...
        news -
http://abount-news.blogspot.com/ 
 
        Events & Announcements
        Nova Scotia Business Journal - Halifax,Nova Scotia,Canada
        To learn more about available sponsorship opportunities, please contact Jill Chandler by phone at (902) 481-1238 or e-mail jill@halifaxchamber.com. Business ...
Read more at:
http://novascotiabusinessjournal.com/index.cfm?sid=177138&sc=107
 
        powerplate business opportunities
        ... a business small opportunity profits http://lozagrizu.blackapplehost.com/92c2h358b/ satellite business opportunities http://lozagrizu.blackapplehost.com/lk9klm5h/ http://lozagrizu.hothostcity.com/lk9klkjd/ ecotourism business plan ...
        iMAGEPOiNT -
http://imagepoint.org 
 
        Social Networking Sites: Their economic and societal importance ...
        By KenS
        40% of small and medium enterprises do not have websites because running a website can be costly. These are cheaper, less demanding but efficient way for them to attract customers and promote their business across borders. ...
        Pandora's Blog -
http://blog.pcpandora.com 
 
        Hyperstream of 2008-10-02
        By Mushin
        Dion Hinchcliffe (friend of Hutch Carpenter): "Every single interaction between employees, partners, and customers is a business opportunity" (via Twitter). 6:36pm, mushin published a blog post. Live4Soccer (friend of Hutch Carpenter): ...
        21st Century Spirituality -
http://www.mushin.eu/blog 
 
        1. Read in English
        By mitra(mitra)
        With her strong experience and background in running businesses, Campbell is widely accepted as one of the leading experts in small business issues on the internet today. Her blog provides small business operators with an insight into ...
        business way -
http://business-way-online.blogspot.com/ 
 
        Business Consulting Your search for a business consulting can be ...
        By mitra(mitra)
        There are countless opportunities available to you including critical thinking and internet marketing tool. Getting your creative writing was hard work. Now, come visit our website to learn what lies ahead for you. ...
        business -
http://business-online-info.blogspot.com/ 
 
 
 
 

Thursday, October 16, 2008

Buying the Perfect Computer ? The FIRST Time

Hi everyone!  I'm Heather DeMarco at the business desk.
As the holiday season beckons, I am very sure that many of you would be probably thinking of buying your first computer.  Believe it or not, there are millions of Americans out there who are still in the process of buying their very first computer and many of these are not sure how to go about doing this.  They worry about such things as:  Security features, capacity, processor speed, but most of all, the right price; and with the credit crunch at our throats, price and worth for one's money is a very big concern.  So, I invite you to read our news below.
At the business desk, I'm Heather DeMarco wishing you a great day.
 
 
Security tips for home computer users
Breaking news!             
        Consumer Reports WebWatch Survey: More Than 25 Percent of New ...
        Earthtimes (press release) - London,UK
        Eligible respondents had been using the Internet for more than a year and owned a home computer for at least six months. The sample was representative of ...
Read more at:
http://www.earthtimes.org/articles/show/consumer-reports-webwatch-survey-more,562990.shtml
 
        After Airport Stop, Kevin Mitnick Shares Travel Tips
        Security Pronews - Lexington,KY,USA
        As told by Elinor Mills, his detainment instead seems like a cautionary tale about wrongful accusations and the defensive measures traveling computer owners ...
Read more at:
http://www.securitypronews.com/news/securitynews/spn-45-20081001AfterAirportStopKevinMitnickSharesTravelTips.html
 
        A Violation of Liberty? (Data-mining)
        By aerasio(aerasio)
        Data-mining software develops profiles by taking into account all web pages visited by a computer user; if a suspect visits a stamp-collecting website, the suspicion score is lowered. Such profiling increasingly relies on "sentiment ...
        aerasio -
http://aerasio.blogspot.com/ 
 
        Hacking into Bluetooth phones using Linux
           By 300allpctips(300allpctips)
        Now you simply can copy/move a file to your home folder on your computer by doing a copy and paste in Konqueror. The first time you do this, you'll be prompted for a PIN number on the cell phone. Subsequent file transfers will not ...
        ultimate windows and pc tips... -
http://300allpctips.blogspot.com/ 
 
        Developing Web Applications with ASP NET and C
        By aspnetnerd
        I bought and downloaded this pdf version of the book on my work computer, but I can't download it or copy it and bring it up on my home computer. Since I'm trying to learn this stuff at home and use it at work, this limits it's ...
        ASP.Net Information and Books Blog -
http://getaspnet.com 
 
        From Womb To Your Personal Computer's Doom
        By Prasart(Prasart)
        It was indeed a nuisance for users when they find out that their computer system was infected. But with a little foresight and the right tools, it was a problem that could be handled. The cost for the home user was time wasted, ...
        Computer Scam -
http://computer-scam.blogspot.com/ 
 
        Buying the Perfect Computer – The FIRST Time
        By admin
        Additional Support- Most brand-name computer companies are also able to provide you with web sites that may provide you with current software updates, user manuals, or basic troubleshooting help. Disadvantages- ...
        WPRevolution.com -
http://www.wprevolution.com 
 
        OpenDNS Celebrates National Cyber Security Awareness Month
        By MyHostNews
        For more information on all of these tips, including detailed guidance on how to protect your computer, your kids and your identity, visit the National Cyber Security Alliance at www.staysafeonline.org or get more information at www. ...
        Host Discussion Blog - Web Hosting... -
http://www.hostdiscussion.com/ 
 
        Vista Registry Tweaks - Tips to Play With Windows Registry
        By computer faster(computer faster)
        Author is admin and technical expert associated with development of computer security and performance enhancing software like Registry Cleaner, Anti Spyware, Window Cleaner, Anti Spam Filter. Learn secrets of an efficient Vista Registry ...
        Windows Vista Registry -
http://vista-sp2.blogspot.com/ 
 
        Who Dat?
        By muse
        Data-mining software develops profiles by taking into account all web pages visited by a computer user; if a suspect visits a stamp-collecting website, the suspicion score is lowered. Such profiling increasingly relies on "sentiment ...
        Pakistan Defence Forum -
http://www.defence.pk/forums 
 
        Spliced feed for Security Bloggers Network
        By Jones(Jones)
        For example, I got asked "Should I focus more on targeting security professionals or general IT users?", "Any pitfalls I should be aware of?" as well as general questions about how to start, what content is best, etc all the way to "How ...
        agribusiness -
http://intabitinsop.blogspot.com/ 
 
        Is Google Microsoft's white whale?; Microsoft goes after cheaters ...
        By mailarchive(mailarchive)
        computer users with fake warning messages in hopes of selling them useless software. Also: Microsoft takes scareware companies to court http://www.networkworld.com/community/node/33413 Microsoft Monday slapped antiscareware lawsuits ...
        newsletter archive -
http://newslettermail.blogspot.com/ 
 
        Travel-savvy author shares tips to send you packing
        EastOregonian.info (subscription) - OR,USA
        Put critical items like medications (in their original bottles), cell phone, computer, a change of socks and underwear and anything else you deem important ...
Read more at:
http://www.eastoregonian.info/main.asp?SectionID=13&SubSectionID=48&ArticleID=83427&TM=72814.62
 
        A "FISCAL CRISIS WATCH LIST" FOR CONSUMERS
        WIVB - Buffalo,NY,USA
        While not all offers and invitations are unscrupulous, consumers are urged to be wary of the CPB's "Fiscal Crisis Watch List" and note the following tips ...
Read more at:
http://www.wivb.com/Global/story.asp?S=9120863
 
        Home PC Security Has a Way to Go
        By Syd Tash
        According to a recent survey by security company Symantec, home computer security still has a long way to go to keep users relatively safe online. In the survey, over 90% of users had an up to date antivirus program, ...
        Your Daily Computer Security Tips -
http://mypcsecurityblog.com 
 
        iPod Music Downloads Tips
        By computer faster(computer faster)
        Downloading music MP3s is straightforward as the user interface is dummy-proof and professional instruction tutorials are handed to you to guide you along. These sites understand the importance of IT security. You would receive a suite ...
        ipod accessories software music download -
http://ipod-accessories-easy.blogspot.com/ 
 
        Spliced feed for Security Bloggers Network
        By Jones(Jones)
        If you're not ready, stay home. The security industry needs to stop crying wolf, because not everybody holds security to the same level of attention as we do. People are getting tired of the fear, uncertainty and doubt we spread. ...
        agribusiness -
http://intabitinsop.blogspot.com/ 
 
        Stop This Spyware!
        By Nido Nesneros
        So make a frequent backup will come to really handy. Follow the above guidelines, and you will be saved! For more free Home Computer Security tips, please visit us now at http://www.pcsecuritytips.cn.
        News Info Flow -
http://newsinfoflow.com/ 
 
        Tips On Choosing The Best Webcam Security Software For Your Home
        By pnel(pnel)
        It is a very good idea to read product reviews and user opinions in various websites on video surveillance. You can also find product reviews in computer magazines. By doing a little research on webcam security software that you're ...
        Gadgets -
http://gadgetsvfdfqx.blogspot.com/ 
 
 

Wednesday, October 15, 2008

One in 3 say country already is in a depression

Good morning!  I'm Kerry J Harrison at the business desk.
How many of you would agree that our country is already in a depression?  Or maybe on the brink of depression? 
These are very relevant questions for us to be asking and as the economy moves quickly towards that terrifying bottom level, the cellar of all woes, we need to be prepared.  Both mentally and physically and one of the best ways for us to be doing this is for us to keep abreast of the happenings around us. 
Please read our weekly news below.
At the business desk, I'm Kerry J Harrison wishing you a pleasant day.
 
 
News on stress, anxiety, and depression
Breaking news!                 
 
        One in 3 say country already is in a depression
        Scarlet Scuttlebutt - East Brunswick,NJ,USA
        In a sign that anxiety is growing, 33 percent of 1011 adults surveyed over the weekend by USA TODAY and Gallup said the economy already is in a depression ...
Read more at:
http://www.mycentraljersey.com/article/20081001/BUSINESS/810010323/-1/newsfront
 
        American Heart Association Scientific Statement: Heart Patients ...
        MarketWatch - USA
        ... be evaluated by a professional qualified in diagnosing and managing depression, and should be screened for other psychiatric disorders, such as anxiety. ...
Read more at:
http://www.marketwatch.com/news/story/american-heart-association-scientific-statement/story.aspx?guid=%7BD8A285D7-6BC2-4C20-B3D7-B2D72F041A8F%7D&dist=hppr
 
        "Fight or flight" hormone limits aggression: study
        Reuters - USA
        By Michael Kahn LONDON (Reuters) - Stress hormone cortisol, involved in our "fight or flight" response, may also limit aggressive antisocial behavior, ...
Read more at:
http://www.reuters.com/article/lifestyleMolt/idUSTRE49038820081001
 
        AU: Cannabis worse than stimulants for depression, anxiety
        By Gary Holden
        AU: Cannabis worse than stimulants for depression, anxiety...
        news -
http://www.nyu.edu/socialwork/ip/news/ 
 
        Post-Hurricane Efforts Raise Profile Of Mental Disorders
        It is the storm damage that people often don't talk about--mental disorders such as depression, anxiety and post-traumatic stress disorder that strike in the wake of a catastrophic experience. Post-trauma mental conditions are one of ...
        Accessibility News - International -
http://www.accessibility.com.au/news//international 
 
        Heather Locklear's director blames showbiz lifestyle for her DUI ...
        By Roberta
        The pills she was taking were said to be in connection with her recent stint in rehab and she was taking them for anxiety and depression. Director Jim Amatulli, who worked with Heather on a new film called Flying By, says that it's not ...
        Celebrity Gossip - Hollywood... -
http://snarkerati.com/celebrity-gossip 
 
        Postpartum Issues
        By Stacy Ochsman
        I don't like the name POSTPARTUM DEPRESSION. The implications are incorrect. Sometimes the manifestation is in the form of anxiety. Depression doesn't always mean you mope around in dark cloud of sadness. Some women do. ...
        Her Daily News -
http://www.herdailynews.com 
 
        Can online therapy ease depression?
        By oberon92
                Economists have warned the UK needs 10000 more therapists to treat the one in six adults suffering from depression or chronic anxiety and get people back to work. The National Institute of Clinical and Health Excellence has also ...
        SpeakEasy in Mons -
http://oberon92.wordpress.com 
 
        Transom Capital Group Acquires The Midwest Center for Stress and ...
        MarketWatch - USA
        MWC is the leading provider of self-help and coaching programs to people who suffer from stress, anxiety, and depression. MWC's flagship Attacking Anxiety ...
Read more at:
http://www.marketwatch.com/news/story/transom-capital-group-acquires-midwest/story.aspx?guid=%7B0E3461F5-8E4B-4944-BAE0-18ADB90F17E2%7D&dist=hppr
 
        Depression and suicidal thoughts in medical students.
        Slate - USA
        There's one more source of anxiety and depression: Almost no one leaves medical school without accumulating a huge debt—now $140000 on average—which has to ...
Read more at:
http://www.slate.com/id/2201190/
 
        Getting Help For Depression And Anxiety Has Significant Long-term ...
        Science Daily (press release) - USA
        The team studied a group of 200 people who were diagnosed with either depression or anxiety. Of that group, 45 were on medication. ...
Read more at:
http://www.sciencedaily.com/releases/2008/10/081001130032.htm
 
        Are You READY To Change and Lose Weight?
        By JoLynn Braley
        Pretty much I'd say that I really applied the thoughts in week twelve of the Attacking Anxiety and Depression program more to the process of weight loss and fitness than I did to the process of healing anxiety and stress. ...
        The Fit Shack -
http://www.thefitshack.com 
 
        Getting Help For Depression And Anxiety Has Significant Long-term ...
        Researchers have recently studied the...
        Amigura Science News -
http://www.amigura.co.uk/ 
 
        Getting help for depression and anxiety
        As per the Mood Disorder Society of Canada, about 1.3 million Canadians suffer from depression. University of Alberta researcher Ian Colman says most people are not getting the type of therapy they need. Colman, an assistant professor ...
        Latest psychology news -
http://medicineworld.org/news/psychology-news.html 
 
        Acupuncture Taking The Pressure Off Today's Emotional Stresses
        By admin
        A recent survey reveals that the tolls of the 21st century are affecting younger people with under-40s seeking traditional acupuncture treatment for emotional issues such as depression, stress and anxiety. 57% of those citing emotional ...
        Specialty Pharmacy News -
http://pharma-news.moviesmusic.biz 
 
        Getting help for depression and anxiety has significant long-term ...
        According to the Mood Disorder Society of Canada, about 1.3 million Canadians suffer from depression. read more.
        Eureka! Science News - Popular... -
http://esciencenews.com 
 
        Stress can affect your health: experts offer advice for coping
        CanadaEast.com - Moncton,New Brunswick,Canada
        These are attempts to decrease anxiety in the short term, but in the long term they're contributing to ongoing stress, she said. ...
Read more at:
http://www.canadaeast.com/wellness/article/435269
 
        Edgy? Coping with a economic panic attack
        MSNBC - USA
        "The emotional strain can lead to depression and anxiety and health-undermining behaviors, such as smoking and alcohol abuse, says Dr. Craig Pollack, ...
Read more at:
http://www.msnbc.msn.com/id/26981365/
 
              WorldChanging
        Thinking Differently About Health Care
        WorldChanging - USA
        Loneliness quickly turns into depression. As with anxiety, Americans are two to three times as likely to suffer from depression as western Europeans. ...
Read more at:
http://www.worldchanging.com/archives/008803.html
 
        Transom Capital Buys Midwest Center for Stress & Anxiety
        By admin
        MWC is the leading provider of self-help and coaching programs to people who suffer from stress, anxiety, and depression. MWC's flagship Attacking Anxiety & Depression product — a 15 week program of CDs and DVDs sold via TV and radio ...
        PE Hub News: Human Resources -
http://www.pehub.com 
 
        Troops Face Suicide in the Quest for the Perfect Soldier
        By IPblog
        Like the official 17.9% of troops who report acute anxiety or depression, Sgt. Hernandez has undergone treatment for what is known as post-traumatic stress disorder (PTSD). "Talking really helps," he told reporter Virginia Reza. ...
        The Islamic Post Online -
http://islamicpost.wordpress.com 
 
        Getting help for depression and anxiety has significant long-term ...
        According to the Mood Disorder Society of Canada, about 1.3 million Canadians suffer from depression.
        Brightsurf Science News and Current... -
http://www.brightsurf.com 
 
        Are You a Stressed, Depressed Or Anxious Professional? Hope For ...
        By KSV(KSV)
        So, if you have experienced a sense of stress with some of the above symptoms, you might be a little more serious, such as depression or anxiety. Stresses depressed or anxious, you can use your life better with assistance. ...
        How to Overcome Depression -
http://news-depression.blogspot.com/ 
 
        Early depression, anxiety treatment may cut relapse risk
           Washington, Oct 2 (ANI): Early treatment with antidepressant and anti-anxiety medication can significantly reduce relapse risk in future, says a new study by University of Alberta. The team studied a group of 200 people who were ...
        News Track India -
http://www.newstrackindia.com 
 
            

Tuesday, October 14, 2008

Important questions to consumers concerns

Top of the day to you out there!  I'm Donna J Jodhan at the business desk and today I am just so delighted to be opening up our e-bag.  So many of you continue to send us your questions but unfortunately I can only answer so many in my allotted time.  So, without much ado, let me now get down to work.
Keep sending us your questions to editor@untappedwealth.com.
 
 
Important answers to consumers concerns
 
Question from Robin Sanders:  Where can I find some information on reversed mortgages?
Answer:  Robin, here you go.  The reference below has some very valuable points for you to review.  I constantly tell 
our clients that before they decide to take out a reversed mortgage, they should read as much as possible about it; the benefits, the disadvantages, and how it can either improve or affect your life.  Hope this helps.
        New FHA Reverse Mortgage Lending Limit Reinforces Need for Greater ...
        International Business Times - New York,NY,USA
        ... is a comprehensive resource for senior citizens,baby boomers and soon-to-be retirees to assess their financial health and retirement. ...
Read more at:
http://www.ibtimes.com/prnews/20081002/reverse-mortgages.htm
 
Question from Cathy yo:  Donna, I have heard about the growing use of online therapy to treat depression.  What do
you know about this?
Answer:  Cathy, not very much but I did a little investigating and found this article for you.  Please give it a read.
        Can online therapy ease depression?
        By oberon92
                Economists have warned the UK needs 10000 more therapists to treat the one in six adults suffering from
depression or chronic anxiety and get people back to work. The National Institute of Clinical and Health Excellence has 
also ...
        SpeakEasy in Mons -
http://oberon92.wordpress.com 
 
Question from Bruce Appleby:  Do you know where I can find some info on small stocks?
Answer:  Bruce, here you go.  I started to check this website out a few weeks ago and it is very informative.  This 
may help you.
        Babybulls.com: BabyBulls.com Alerts for Tuesday, September 30 ...
        Trading Markets (press release) - Los Angeles,CA,USA
        BabyBulls.com is a leading information resource for evaluating investment opportunities in small and microcap 
stocks. We focus on a limited number of ...
Read more at:
http://www.tradingmarkets.com/.site/news/Stock%20News/1911060/
 
Question from Martin Dennison:  How can I tell when my computer system has been infected and what do I do then?
Answer:  Martin, this is a very commonly asked question among home computer users and the article that I have 
selected for you gives you a lot of very great points.  Hope this helps.
        From Womb To Your Personal Computer's Doom
        By Prasart(Prasart)
        It was indeed a nuisance for users when they find out that their computer system was infected. But with a little 
foresight and the right tools, it was a problem that could be handled. The cost for the home user was time wasted, ...
        Computer Scam -
http://computer-scam.blogspot.com/ 
 
Question from Marjorie Cook:  Donna, are we really in a depression?
Answer:  Marjorie, I do not think so but according to recent surveys the results show that we probably are.  Give a 
read to my reference below and maybe then you can make up your own mind.  Hope this helps.
        One in 3 say country already is in a depression
        Scarlet Scuttlebutt - East Brunswick,NJ,USA
        In a sign that anxiety is growing, 33 percent of 1011 adults surveyed over the weekend by USA TODAY and 
Gallup said the economy already is in a depression ...
Read more at:
http://www.mycentraljersey.com/article/20081001/BUSINESS/810010323/-1/newsfront
 
Question from Chip Endicott:  Donna, what should I be looking for when I buy my first computer?
Answer:  Chip, here you go.  This is a very broad question but I'll let you judge for yourself after you have read my 
reference below.  Hope this helps.
        Buying the Perfect Computer – The FIRST Time
        By admin
        Additional Support- Most brand-name computer companies are also able to provide you with web sites that may 
provide you with current software updates, user manuals, or basic troubleshooting help. Disadvantages- ...
        WPRevolution.com -
http://www.wprevolution.com 
 
Question from Alan Bell:  Donna, how do you think the present credit crunch is affecting small businesses?
Answer:  Alan, according to many of our small business clients, it is having an effect because borrowing has become a
lot tighter and this is affecting their ability to expand and this is leading to uncertainty.  However, I do happen to know 
that there are some small banks out there that are still willing to accommodate small business borrowers.  Give a read 
to my reference below.  Hope this helps.
        The Credit Crunch and Small Business
        By susak(susak)
        The Credit Crunch and Small Business. Amid the widespread crisis, even healthy small businesses are feeling the  squeeze. But some banks see an opportunity to lend. Inside: This Week in SmallBiz. How directly will small business 
lending ...
        news -
http://abount-news.blogspot.com/ 
 
Question from Kim Gerber:  How do you think we are going to handle the oncoming slew of baby boomer retirements?
Answer:  Kim, make no bones about it!  We are in for many changes with more and more aging baby boomers 
retiring.  Our health care system is going to be affected, the knowledge divide is going to start spiraling to dangerous 
levels, and there will be many more changes to come.  So, I invite you to read my reference below.
        Mitchell faculty in the news, through Sept.30
        William Mitchell College of Law - St. Paul,MN,USA
        "With 76 million Baby Boomers starting to reach retirement age, society is facing extraordinary change," Dayton
said. "There are a wide variety of issues ...
Read more at:
http://www.wmitchell.edu/news/articles/default.asp?articleId=11709&story=Mitchell-faculty-in-the-news,-through-Sept.3
0
 
Question from Nicole Darby:  Donna, do you have any references on the home business industry?  Anyone who has 
written articles on the home business industry?
Answer:  Nicole, here you go.  This author is well respected for his opinions and expertise. 
        Google Alert - Make Money From Home Guide
        By ma3naido(ma3naido)
        The author David Garn is a successful top income earner in the home business industry. ... Make Money Online 
| Internet... - http://www.workathome-guide.com. Make Money Online Tips - Learn How to Make Money Online 
Through . ...
        Home Based Business Opportunity -
http://best-answer.blogspot.com/ 
 
Question from Pierre Biscayne:  Donna, I have a son who has just entered Med School but he is telling me that there 
is a rise in depression among Medical Students.  How true is this?
Answer:  Pierre, this is not my expertise but I went to our research department and they found the following 
reference for me.  I hope this helps.
        Depression and suicidal thoughts in medical students.
        Slate - USA
        There's one more source of anxiety and depression: Almost no one leaves medical school without accumulating 
a huge debt—now $140000 on average—which has to ...
Read more at:
http://www.slate.com/id/2201190/
 
Question from Matt Moran:  Are there any small business female leaders around these days for my wife and me to 
read about?
Answer:  Matt, certainly!  I urge you to read my reference below.  This is a truly remarkable woman being talked 
about in this article.
              WorldChanging
        Meet the New Worldchanging Team!
        WorldChanging - USA
        Sitting at the helm of Worldchanging's business development, this Oklahoma native has her capable hands full 
managing various projects, crunching numbers, ...
Read more at:
http://www.worldchanging.com/archives/008790.html
 
Question from Kathleen Carring:  Donna, I write to ask you for some info for myself.  I am about to retire and would 
like to read up on the risks to me as a retiring baby boomer.  Health wise, and financial wise.  What can you advise?
Answer:  Kathleen, here you go.  Two really insightful websites for you to visit.  There is a lot of very relevant info for 
you to read.
        Calculated Risk For Seniors
        By admin
        Article provided by Dr. Jerry D. Elrod. For information on retirement, Baby Boomers and everything related to 
Seniors, please visit my web site at http://seniorcitizenjournal.com and my blog at 
http://seniorcitizenjournal.blogspot.com.
        iNewsMediaMagazine -
http://inewsmediamagazine.com 
 
Question from Ross Case:  Donna, what are your views on social networking websites?
Answer:  Ross, I'll let the following reference echo my thoughts.  Social networking websites are growing in popularity, 
and their importance is becoming more apparent both socially and economically.  I think that this reference will give 
you a good picture.  Hope this helps.
        Social Networking Sites: Their economic and societal importance ...
        By KenS
        40% of small and medium enterprises do not have websites because running a website can be costly. These 
are cheaper, less demanding but efficient way for them to attract customers and promote their business across 
borders. ...
        Pandora's Blog -
http://blog.pcpandora.com 
 
Question from Louise Dare:  Donna, what is the relationship between loneliness and depression?
Answer:  Louise, this area is not very familiar to me so I will refer you to an article below that our research department
dug up for you.  Hope this helps.
              WorldChanging
        Thinking Differently About Health Care
        WorldChanging - USA
        Loneliness quickly turns into depression. As with anxiety, Americans are two to three times as likely to suffer 
from depression as western Europeans. ...
Read more at:
http://www.worldchanging.com/archives/008803.html
 
Question from Margaret Kent:  Donna, do you think that there is opportunity ahead for creative writers?
Answer:  Margaret, definitely so.  We need more bloggers, content writers, and copy writers and all of this falls under 
the sponsorship of creative writing.  Maybe my reference below will spark your interest.  Hope this helps.
        Business Consulting Your search for a business consulting can be ...
        By mitra(mitra)
        There are countless opportunities available to you including critical thinking and internet marketing tool. Getting 
your creative writing was hard work. Now, come visit our website to learn what lies ahead for you. ...
        business -
http://business-online-info.blogspot.com/ 
 
Question from Brenda Boyd:  Donna, do you think that downturns in the economy are directly related to increases in 
more persons smoking and drinking?
Answer:  Brenda, from what I have read, it appears that when economic downturns occur, more persons become 
anxious and as a result they smoke more and turn to   alcohol more in an attempt to deal with their feelings of anxiety.   However, I am not an expert on this so I will refer you to my reference below.  Hope it helps.
        Edgy? Coping with a economic panic attack
        MSNBC - USA
        "The emotional strain can lead to depression and anxiety and health-undermining behaviors, such as smoking 
and alcohol abuse, says Dr. Craig Pollack, ...
Read more at:
http://www.msnbc.msn.com/id/26981365/
 
Question from John Tarshak:  What can I do to deal and cope with my stress?
Answer:  John, a very general question and I am going to refer you to an article that we found for you.  Give it a 
read.
        Stress can affect your health: experts offer advice for coping
        CanadaEast.com - Moncton,New Brunswick,Canada
        These are attempts to decrease anxiety in the short term, but in the long term they're contributing to ongoing 
stress, she said. ...
Read more at:
http://www.canadaeast.com/wellness/article/435269
 

Well, I am out of time for this week but before I leave you, here is my tip.
Check out the benefits and advantages of the growing popularity of social networking websites.  It looks as if these types of websites are growing in importance both socially and economically.  More and more small and medium sized businesses are using them to promote themselves and attract more customers as it is cheaper to do it using social networking websites.
 
At the business desk, I am Donna J Jodhan wishing you a terrific day and week ahead.

Monday, October 13, 2008

New FHA Reverse Mortgage Lending Limit Reinforces Need for Greater Education

Good day everyone!  I'm Jeff N Marquis at the business desk.
How many of us are really familiar with the benefits and advantages to having a reversed mortgage?  How many of us can confidently say that we also know more about the potential disadvantages?  How many of us can confidently say that we know enough to explain the concepts of a reversed mortgage to our peers, our kids, and our parents? 
Before you take that big step to taking out a reversed mortgage, I would like you to read our news below.  It's never too late to learn.
At the business desk, I'm Jeff N Marquis wishing you a great day and extending a happy Thanksgiving wish to our Canadian friends.
 
 
News for retirees, aging baby boomers, and seniors
Breaking news!          New FHA Reverse Mortgage Lending Limit Reinforces Need for Greater Education
 
        Case for a seniors' advocate
        Windsor Star - Ontario, Canada
        Participants pointed out seniors have special concerns and that their ranks will only grow as Baby Boomers ease into retirement. Having an advocate would ...
Read more at:
http://www.canada.com/windsorstar/news/editorial/story.html?id=376a737d-2124-4666-a49a-7829a374494c
 
        CONGRESSIONAL BIRDBRAINS - YOUR HEALTH AT RISK
        NewsWithViews.com - Merlin,OR,USA
        Politicians certainly can't upset seniors, baby boomers, or minorities – how could they win? Even worse, how can they stay in power? ...
Read more at:
http://www.newswithviews.com/Richards/byron163.htm
 
        New FHA Reverse Mortgage Lending Limit Reinforces Need for Greater ...
        International Business Times - New York,NY,USA
        ... is a comprehensive resource for senior citizens,baby boomers and soon-to-be retirees to assess their financial health atretirement. ...
Read more at:
http://www.ibtimes.com/prnews/20081002/reverse-mortgages.htm
 
        Seniors are self-sufficient, with a little help
        Stamford Advocate - Stamford,CT,USA
        "I think if something is happening to the baby boomers, it tends to bring attention to the issue," she said. "They recognize that they may need something ...
Read more at:
http://www.stamfordadvocate.com/ci_10614652
 
        Mitchell faculty in the news, through Sept.30
        William Mitchell College of Law - St. Paul,MN,USA
        "With 76 million Baby Boomers starting to reach retirement age, society is facing extraordinary change," Dayton said. "There are a wide variety of issues ...
Read more at:
http://www.wmitchell.edu/news/articles/default.asp?articleId=11709&story=Mitchell-faculty-in-the-news,-through-Sept.30
 
        Calculated Risk For Seniors
        By admin
        Article provided by Dr. Jerry D. Elrod. For information on retirement, Baby Boomers and everything related to Seniors, please visit my web site at http://seniorcitizenjournal.com and my blog at http://seniorcitizenjournal.blogspot.com.
        iNewsMediaMagazine -
http://inewsmediamagazine.com 
 
        Massachusetts Mandated Healthcare INSURANCE! Also see Commonwealth ...
        By Jonathan Melle(Jonathan Melle)
        "We have fully-funded healthcare reform," Governor Deval Patrick said at a news conference. Patrick listed the initiative among several programs started by previous administrations that he supports. ...
        Jonathan Melle on Politics -
http://jonathanmelleonpolitics.blogspot.com/ 
 
        Government Need Not Apply
        By Robert J. Moeller(Robert J. Moeller)
        Today in 2008, the average life expectancy is roughly 80 years old and with the Baby Boomers dining-and-dashing their way to retirement in droves, payment of our national tab will be left for my generation (and millions of illegal ...
        A Voice in the Wilderness -
http://robbymoeller.blogspot.com/ 
 
        PRESS RELEASE: Cardinal Health Inc., Agrees to Pay $34 Million to ...
        By RK Milton(RK Milton)
        Over 50s 'racking up debts' Growing numbers of people could be forced to delay their retirement after racking up crippling levels of unsecured debt, new research has showed. Kimberly Garrison: Hey, baby boomers, are you ready to retire? ...
        Seniors Health News -
http://seniorshealth.blogspot.com/ 
 
        Seniors recruited for service
        Register Pajaronian - Watsonville,CA,USA
        Many older seniors are no longer volunteering, while at the same time the baby boomer generation is heading into retirement, Cercel said. ...
Read more at:
http://www.register-pajaronian.com/V2_news_articles.php?heading=0&page=72&story_id=5837
            
              Providence Journal
        Deeper involvement: Combining spirituality with volunteerism is ...
        Providence Journal - Providence,RI,USA
        "The baby boomers are beginning to retire, and demographically there are a lot of people who will be thinking about what they are going to do in retirement. ...
Read more at:
http://www.projo.com/religion/content/lb_volunteers_10-04-08_HLBO2SQ_v15.4f89338.html
 
        Senior Citizens Target Of New Safety Program
        Tampa Tribune - Tampa,FL,USA
        The educational movies included in the program are hosted by icons popular with baby boomers to relate the importance of replacing fire alarm batteries and ...
Read more at: 
http://www2.hernandotoday.com/content/2008/oct/03/ha-senior-citizens-target-of-new-safety-program/
 

 

Saturday, October 11, 2008

Motivation! Just what you need during an economic crisis to help you stay calm

Good morning!
We hope that you are about to embark on a wonderful weekend and that whatever your plans are, they come true for you.  Life is o too short not to be able to enjoy it.  You need to relax and recuperate from a hard week's work be it at home or at the office. 
We're not going to bother you too much but instead we'd like to help you relax and recharge your battery for next week.
So, we're going to take you to some fun spots where you can spend a little time reading, enjoying, and vegetating. Take five and let us motivate you to do better next week.  It's all for free so why not take advantage of it?
 
If you're seeking a mug of motivation then Donna J Jodhan is standing by to share one with you.  She produces a free monthly online magazine that is jammed packed with all kinds of exciting and interesting news.  Tidbits on health, inspiring editorials, but most of all, articles that will help to motivate your creative juices.  Take your time and browse through this free online magazine and just enjoy reading it.
Donna J Jodhan wants to motivate you to reach for the sky.  She is a very successful entrepreneur, business consultant, and author and she does not let her blindness hold her back!
Visit www.sterlingcreations.ca/magazine.html
 
You can also view donna's weekly feature called answers to consumers concerns at www.untappedwealth.com/businessdesk.html
and she is also featured at www.numpadplus.com/blog under the category access and accessibility.
Check out these two features.
 
If you like traveling and have always wanted to work and live abroad then we have just the thing for you.  A website that has a free weekly blog on all kinds of opportunities to get you going.  Doesn't hurt to dream does it?
This website can help to stimulate your imagination to reach for those wonderful opportunities in some very great countries.
Visit www.translationpeople.com/free-useful-info.html
 
Finally, a place that you can go and call your very own little spot.  A place where you can read about all kinds of helpful tips; consumer tips for women, seniors, retirees, and parents.  Healthy eating tips, home business opportunities tips for women, seniors, retirees, and parents.  Security tips for home computer users, and tips on how to deal with stress, anxiety, and depression.
You are also encouraged to make your own little contribution and it's all for free!
Visit www.onestopbookcafe.com
 
Have fun!

Friday, October 10, 2008

How to Profit from the Current Economic Crisis

        Greetings everyone!  I'm Jayna Sheffield at the business desk.
If I were to tell you that there definite ways for you to profit from the economic crisis would you call me crazy?  You may, but according to several experts this is not such a crazy statement after all.  Want to know more?  Then read our news below but before doing this, check out our Amazon picks of the week.
At the business desk, I'm Jayna Sheffield wishing you a great weekend.
 
 
Amazon picks of the week
How to Manage an Effective Nonprofit Organization: From Writing and Managing Grants to Fundraising, Board Development, and Strategic Planning
By Michael A. Sand
This book is for those of you who are still very hesitant to start a non-profit organization.  Give this book a read.  You may b very well pleasantly surprised.
 
God at Work: The History and Promise of the Faith at Work Movement
   By David W. Miller
Please do not judge this book by its title.  This author has created a very imaginative and interesting piece of reading and I urge you to buy it.
 

Home business opportunities, Internet business opportunities, small business opportunities, business opportunities in Asia
Breaking nnews!          How to Profit from the Current Economic Crisis
 
        A startling fact about Money
        By admin
        business opportunity, home based Business, internet business … Web design service has been ranked in the top 5 list of hot internet business opportunities by Entrepreneur magazine. Entrepreneur magazine is the most … ...
        Business VOIP -
http://www.freeld247.com 
 
        Gordon Brown's Labour conference speech in full
        By Labour Matters
        We are and will always be a pro-enterprise, pro-business and pro-competition government. And we believe the dynamism of our five million businesses large and small is vital to the success of our country. ...
        Labour Matters -
http://www.labourmatters.com 
 
        Dear Gordon Brown...
        By Alison Anthony(Alison Anthony)
        And you know those who say that governments should walk away when people face these risks and need these opportunities - they will be judged to be on the wrong side of history And when the country is asking their government to meet ...
        Not That Blog Either... -
http://alisonanthony.blogspot.com/ 
 
        How to Profit from the Current Economic Crisis
        By Colin Noden(Colin Noden)
        You now have a panorama of opportunities. And the best part is that you can stay in your community and have it feel more like home that it ever has. This has been a long post. I'll end it here. Don't dismiss what I have written. ...
        Ethical Income Opportunities -
http://ethical-income.blogspot.com/ 
 
        TEXT ONLY - A CHAT WITH CHERYL SIM WITH JENNIFER LAU FROM RED FM ...
        By jenniesyk(jenniesyk)
        The incubator's role, which is Curtin is to provide the basic facilities of internet access at a minimum bandwith of 128 kbps, share facilities, business advisory support, minimum of 2000 sq ft floor space/ Its role and focus is to ...
        SPICES -
http://jenniesyk-spices.blogspot.com/ 
 
        OTC names advisory council for Branson Center
        By Justin
        would be used to provide alternative economic opportunities for watermen and the processing industry, while … through Economic Development Administration (EDA) grants, Small Business Administration (SBA) and Farm Credit System loans … ...
        Home Online Business Opportunity -
http://home-opportunity.online-business-news.org/ 
 
        COACHING NEWS
        By Ravier, L.
        Tips for Marketing Coaching Services to Small Business Owners 'Psychopath' or 'Narcissist': The Coach's Dilemma Why the Ohio March of Dimes Engaged an Executive Coach Coaching in a Family Business What Coaches Say About Coaching Men ...
        Economía, management y coaching -
http://leoravier.com 
 
        big bang theory
        By LadyGing(LadyGing)
        638-The Rising Blogger 639-Saturday 9 640-haekal-bloger 641-The World Through My Eyes 642-Blog Income Project 643-Nelle - EmpressReviews 644-home for business 645-Kaleidoscope 646-Intrepid Ideas 647-Life in the United States ...
        LadyGing -
http://ladyging.blogspot.com/ 
 
        Tips To Ensure the Health of Your Computer
        By jamesbrendom
        Chip Reaves, national director of Australia-based Computer Troubleshooters, maintains that whether we are part of a small business, a multinational, or are just trying to find a recipe online at home, we spend just as much time fixing ...
        Technical Support News -
http://www.tech-support-news.com 
 
        She added, But I did, Sylvia confessed
        By Lucianos7(Lucianos7)
        Can road runner sales iowa dot sales allowed rv sales colorado model home sales leaseback opportunities direct link to estate sales in ontario tribune local sales labadie auto sales bay city mi medicaid nursing homes 5 years proceeds ...
        Glaisher, was by no means an... -
http://lucianos7ciuxobi396.blogspot.com/ 
 
        The Big Bang List
        By Mr. X(Mr. X)
        638-The Rising Blogger 639-Saturday 9 640-haekal-bloger 641-The World Through My Eyes 642-Blog Income Project 643-Nelle - EmpressReviews 644-home for business 645-Kaleidoscope 646-Intrepid Ideas 647-Life in the United States ...
        the X Blogs -
http://thexblogs.blogspot.com/ 
 
        Study Says Women Make More Purchasing Decisions
        By By Sharon Jayson, USA Today
        Lead exchange groups can be very viable opportunities for those selling the right products and services. A mechanic or quick print company might find a lead exchange group to be an extremely valuable source of new business. ...
        SalesHQ -
http://www.saleshq.com/ 
 
        'Go Gordon, Go!' - cheered the relieved & jubilant Labour crowd!
        By keeptonyblairforpm
        And you know those who say that governments should walk away when people face these risks and need these opportunities - they will be judged to be on the wrong side of history. And when the country is asking their government to meet ...
        Tony Blair -
http://keeptonyblairforpm.wordpress.com 
 
        Id be different! Sylvie and Judy seem like an angry baboon
        By Hassanhp(Hassanhp)
        I business opportunity internet business mlm life and disaster recovery institute international htm There growth opportunity nashville medical disaster recovery casey early opportunity resource fund home page free list mailing ...
        Food, for example -
http://hassanhpkehjas34.blogspot.com/ 
 
        Little of a metal stylus
        By Dayana8g(Dayana8g)
        How from generate home income online opportunity work free christian life recovery program colored gems opportunity best business internet opportunity over. 'He'll technology disaster recovery raise home based paid business online ...
        Perhaps that counted as a gorilla,... -
http://dayana8gulhy.blogspot.com/ 
 

 

Thursday, October 09, 2008

Spyware and how to protect your computer from it

Hello there!  I'm Matt Chadwick at the business desk.
Well, how much do you know about such things as spyware, malware, and anti virus protection ware?  In a recent survey it was revealed that over 90% of Americans are almost totally in the dark when it comes to knowledge of these things.  So, I have decided that this week I am going to share some very important information with you on these topics.  The more knowledge you can muster, the better it would be for you in the long run.
At the business desk, I'm Matt Chadwick wishing you a great day.
 
 
Security tips for home computer users
Breaking news!          Spyware and how to protect your computer from it
 
        Virtual security
        Collinsville Herald - Collinsville,IL,USA
        Finally, someone might have a lock on a safe within a room of a home. Well, we have security devices at each desktop computer." The district also has an ...
For more detail read more at:
http://westcountyjournal.stltoday.com/articles/2008/09/24/news/sj2tn20080923-0924prj-computersecuritz.ii1.txt
 
        Top Ten Tips For Computer Security
        By Spring(Spring)
        Well the main reason its happening, is that most computer users are not protecting themselves properly. When you follow the top 10 tips for online and offline protection, you will discover were your computer system weaknesses are. ...
        Computer Tips -
http://computertechnical.blogspot.com/ 
 
        10 tips for Secure Wifi @ home
        By noreply@blogger.com (dolphin)
        Each network device, such as a computer network card (NIC) has a unique MAC address. By allowing access only to pre-defined MAC addresses you can reduce the risk of rogue clients connecting to your home network. ...
        All I Came To Know -
http://mhkharish.blogspot.com/ 
 
        Spyware and how to protect your computer from it
        By admin
        Spyware Will Comprimise Your Online Security - Act Now Before It's Too Late! Author Rob Funge explains: Itanersquo;s amazing just how many computer users are blissfully unaware that there systems have been infected with Spyware. ...
        Top Software -
http://www.top-soft.net 
 
        Daily TIPs, Online Egotists, Cloud Collaboration, Gaming the ...
        By Neil Savage
        Companies should take the lead in fighting global warming, say the majority of 28000 Internet users from around the world surveyed by the Nielsen Company. Reuters says that 51 percent of those asked felt it was very important for firms ...
        Xconomy -
http://www.xconomy.com 
 
        Download Free Computer Ebooks - NET BOOKS
        By sandy(IRecruiter)
        The first edition was practical, entertaining, and full of useful scripts, tips, and warnings. This edition is all those things — and more. If you are a UNIX system administrator or user in this security-conscious age, you need this ...
        E-Books Download links -
http://your-free-ebook-download.blogspot.com/ 
 
        9 tips for Ubuntu notebook users
        By admin
        Don't choose to sync your entire /home folder—hidden files are copied across too by Unison, and hidden files within your /home folder contain program configuration files unique to each computer. Upon synchronization there would be some ...
        Ubuntu Kung Fu -
http://www.ubuntukungfu.org/blog 
 
        FTC OnGuard Online Site - Best Security Practices
        By Corporate Layoffs
        ... redesign allows users to grab and embed games and videos, search for topics on the site, take a "show of hands" poll, and have a more interactive experience while getting useful tips and information about computer security. FTC Home ...
        Prepare for Corporate Layoffs -
http://corporate-layoffs.com 
 
        Spyware - Protection & Prevention
        By basic-pc-repairvhk(basic-pc-repairvhk)
        Malware has become a major problem causing varying levels of problems to online commercial enterprises, government agencies, and the home computer user. Surveys carried out in 2005 reported that 61% of people that participated in the ...
        Home Computer Repair -
http://home-computer-repairlpafsozggl.blogspot.com/ 
 
        feature requests
        By tichwhack
        shufnagel Jan 7, 2008 7:51 am; I am creating a wiki that will be worked on by a dozen or so fairly unsophisticated computer users. We are already having sign up problems. I send them an email invitation, they respond and when they add ...
        Wikispaces : www - all changes -
http://www.wikispaces.com/space/xml 
 
        Free Anti Virus and Spyware Protection is Available Where?
        By computer-repair-new-yorkuut(computer-repair-new-yorkuut)
        The free version of anti-virus software is only available to home personal computer users. Corporations and businesses will need to purchase any one of AVG's other products. Specific features of this software are: automatic updates, ...
        Computer Problem -
http://computer-problemhvbezwr.blogspot.com/ 
 
        Online and Computer Security Advice - 20 Tips For Improved Safety
        By admin
        For your family, those threats include attempts to steal, damage, or disable your home computer; attempts to steal the information in your computer or data storage device, and attempts to physically or psychologically harm your child. ...
        eNewsMediaMagazine -
http://enewsmediamagazine.com 
 
        Study Shows Average User Is Duped By SPAM Popups
        By Jason Mick / DailyTech
        To the computer savvy, these silly attempts might make for a good morning laugh, but security experts say there's nothing to laugh about when millions of naïve users fall for the scheme and their computers become part of a botnet, ...
        SalesHQ -
http://www.saleshq.com/ 
 
        Clickjacking - Multi-Browser Exploit
        By Corrine(Corrine)
        ... NoScript Add-On; NoScript Home Page. Remember - "A day without laughter is a day wasted." May the wind sing to you and the sun rise in your heart... Computer security news & information, help, tips and more, licensed under a ...
        Security Garden -
http://securitygarden.blogspot.com/ 
 
        Increase the Interactivity Level of Your Web Site
        By Cyrusb4
        Place a discussion forum in your website to allow users to discuss about your website and about products or services. It is simply up to you whether you want to keep the discussion boards open or private as per the security reasons. ...
        wikiHow - New Pages [en] -
http://www.wikihow.com/Special:Newpages 
      
        Apple iPod classic 80 GB Silver (6th Generation)
        By admin
        Home > Support > Discussions ... discussions.apple.com/index.jspa Apple Mac: Mac OS, Mac laptop, Mac desktop Your complete guide to all things Macintosh. Get the latest reviews, news, videos, downloads, tips, and more for Mac laptops, ...
        Best Market -
http://www.bestmarketsell.com 
 

 

Wednesday, October 08, 2008

Money worries take psychic toll

Good morning!  I am Kerry J Harrison at the business desk.
For those of you who are either still confused about the effects that money worries are having on our economy these days, or you don't believe that money worries really exist, I now invite you to read our news below.
At the business desk, I'm Kerry J Harrison wishing you a pleasant day.
 
 
News on stress, anxiety, and depression
Breaking news!          Money worries take psychic toll
 
        Two Topics: 'Tai Chi for Anxiety Management and Stress Reduction ...
        S2S Health News - Melbourne,VIC,Australia
        This may remove our ability to focus on what we are doing, as we are doing it, creating stress, anxiety and depression. With practice, mindfulness can break ...
For more detail read more at:
http://www.healthnews.infoxchange.net.au/news/detail.chtml?filename_num=231684
 
        Money worries take psychic toll
        Salt Lake Tribune - United States
        By Tribune staff and news services A wave of anxiety is washing over America, from Wall Street's concrete canyons to the lettuce fields of California to the ...
For more detail read more at:
http://www.sltrib.com/ci_10542256
 
        Study says four out of 10 suffer anxiety, depression
        Melbourne Herald Sun - Australia
        Twice as many suffer depression or anxiety, take illegal drugs, or engage in risky, anti-social behaviour. The 23-year Australian Temperament Project, ...
For more detail read more at:
http://www.news.com.au/heraldsun/story/0,21985,24393436-661,00.html
 
        September 20, 2008 - Drinking Habits and the Economy
        By sonnycalhoun@bellsouth.net
        Brian: We know that when people experience stress especially opiate addicts one of the key factors for relapse is stress and especially also for those that are alcoholic and those struggling with alcohol, anger and depression are key ...
        Breakthrough Addiction Recovery -
http://www.breakthroughaddictionrecovery.com/blog 
 
        Music may bring back lost memories in dementia sufferers
        By news(news)
        ... anxiety and depression," the NZPA quoted Baker, as saying. She added: "But there''s been some recent evidence that says it''s actually the breakdown in the intimacy in the relationship that is the biggest cause of stress for them. ...
        Bharatsite: LIFE STYLE -
http://news.bharatsite.com/entertainment/ 
 
        Anxiety Medication Side Effects
        By admin
        Antidepressants can increase symptoms of anxiety & depression in some cases * Antidepressants are completely ineffective in up to 50% of cases * Antidepressants can be as addictive as narcotics * Antidepressants frequently cause serious ...
        Paxil -
http://myrxpill.com/paxil 
 
        National Survey Reveals Impact Of ADHD In Adults
        CONCERTA® should not be taken by patients who have: allergies to methylphenidate or other ingredients in CONCERTA®; significant anxiety, tension, or agitation; glaucoma; tics, Tourette's syndrome, or family history of Tourette's ...
        Accessibility News - Latest -
http://www.accessibility.com.au/news/ 
 
        Bulimia in pregnant women
        By noreply@blogger.com (John Gale)
        The women with bulimia reported lower self-esteem and less satisfaction with life and their relationship with their partner and also had a higher prevalence of symptoms associated with anxiety and depression. Women with bulimia reported ...
        Mental Health Update -
http://mentalhealthupdate.blogspot.com/ 
 
        Cybersex users more depressed - study
        Melbourne Herald Sun - Australia
        By Tamara McLean PEOPLE who seek out cybersex have "alarmingly high" rates of depression, anxiety and stress and typically devote hours a day to the covert ...
For more detail read more at:
http://www.news.com.au/heraldsun/story/0,21985,24401613-5005961,00.html
 
        ScienceDaily (Sep. 24, 2008) — Self-guided treatment for ...
        Science Daily (press release) - USA
        Other problems being addressed via the Virtual Space Station include interpersonal conflict, and stress and anxiety. Cartreine, a Harvard Medical School ...
For more detail read more at:
http://www.sciencedaily.com/releases/2008/09/080924125049.htm
 
        GLOBAL MARKETS-Stocks mixed, dlr falls on bailout anxiety
        Reuters - USA
        Congress looked close to reaching a deal on the rescue package to tackle the worst financial crisis since the Great Depression and President George W. Bush ...
For more detail read more at:
http://www.reuters.com/article/usDollarRpt/idUSLP60134820080925
 
        Why Medicating Your Stress & Anxiety with Food Doesn't Work
        By JoLynn Braley
        This lesson point out the fact that some people will benefit from taking medication for their stress, anxiety, and/or mild depression (if chronically depressed it's often vital for an individual to be medicated) and as long as you don't ...
        The Fit Shack -
http://www.thefitshack.com 
 
        Family Members Experience PTSD
        By Rick Nauert, Ph.D.
        Researchers found that symptoms of anxiety and depression in family members of ICU patients diminished over time, but high rates of post-traumatic stress and complicated grief remained. "Our findings suggest that family members of ...
        Psych Central News » Psychology -
http://psychcentral.com/news 
 
        How A Muslim Should Deal With Stress and Anxiety!
        By HafeezImran
        Stress is anything that causes mental, physical, or spiritual tension. There is no running away from it. All that matters is how you deal with it. This article does not deal with the factors of stress, anxiety, and depression, ...
        www.TurnToIslam.com -
http://www.turntoislam.com/forum 
 
        Benzodiazepines for major depression
        By Anxiety Insights
        Clin Psychiatry News 2008 Sep;36(9):20. Laurence Guttmacher, MD, JAN LEARD-HANSSON, MD. The Problem. You have a patient with major depression. Symptoms include anxiety and insomnia. You prescribe an antidepressant and consider immediate ...
        Latest entries from www.anxietyinsigh... -
http://www.anxietyinsights.info/ 
 
        Ring-a-ling-a-ling in the ears, also known as tinnitis…
        By drkate
        6) Stress, anxiety, depression, and anger….grrrrrr. 7)Whiplash; recently or a long time ago that did not recover well. Large chronic doses of antibiotics and some other medications. 9) Joint dysfunction of the jaw, spine, and sacroiliac ...
        Dr. Kate's Blog -
http://www.drkateklemer.com/blog 
 
        Mental health costs employers billions
        Australia.TO - Sydney,NSW,Australia
        Stress can lead to a number of physical and mental health issues including anxiety and depression. A recent report by Medibank Private noted that stress ...
For more detail read more at:
http://www.australia.to/index.php?option=com_content&view=article&id=449:converge-international-shows-employers-what-mental-health-is-costing&catid=60:latest-business
 
        Financial high anxiety: More of us are worried and seeking mental ...
        Salt Lake Tribune - United States
        In New York, the number of calls to the Hopeline network from people with depression or suicidal thoughts leaped to 10368 in July, 75 percent more than in ...
For more detail read more at:
http://www.sltrib.com/News/ci_10542256
 
        Stress is a common concern for Canadians
        Times and Transcript - Moncton,New Brunswick,Canada
        By Anne-Marie Tobin TORONTO - Canadians are most accustomed to hearing about post-traumatic stress disorder among returning soldiers, but a newly published ...
For more detail read more at:
http://timestranscript.canadaeast.com/sports/article/428139
 
        Post-Traumatic Stress Endures In Family Members Of ICU Patients
        The study, published online in the Journal of General Internal Medicine, found that symptoms of anxiety and depression in family members of ICU patients diminished over time, but high rates of post-traumatic stress and complicated grief ...
        Accessibility News - Latest -
http://www.accessibility.com.au/news/ 
 
        "Next Generation" Depression Treatment
        By Rick Nauert, Ph.D.
        Content on stress and anxiety management for the Virtual Space Station is being developed by Dr. Raphael Rose at UCLA. Harvard Medical School and Massachusetts General Hospital researcher Dr. Gary Strangman is studying the depression ...
        Psych Central News -
http://psychcentral.com/news 
 
        Cyber sex can cause 'alarmingly high' rates of depression
        By Mohit Joshi
        Sydney, Sept 26: People who frequent online sex, fetish and swinging sites have "alarmingly high" rates of depression, anxiety and stress, says a shocking new research. What's more, people who seek out cyber sex typically devote hours a ...
        TopNews Health - Health News and Updates -
http://www.topnews.in/health 
 
        Cyber sex can cause 'alarmingly high' rates of depression
        By Arun R.
        People who frequent online sex, fetish and swinging sites have "alarmingly high" rates of depression, anxiety and stress, says a shocking new research. Submitted by Arun R. to Health & Wellness | Note-it! | Add a Comment.
        Care2 News Network - Newly Submitted -
http://www.care2.com/news/submitted/ 
 
        Eli Davidson: How To Get Through The Recession With Less Depression
        By Eli Davidson
        Fear sells, mayhem boosts ratings, and the media thrives on bad news. Nothing increases viewers like a good disaster. Don't buy into the fear and anxiety. If you find your pulse quickening when you watch television or read The ...
        The Huffington Post Full Blog Feed -
http://www.huffingtonpost.com/theblog/ 
 

 

Tuesday, October 07, 2008

Important answers to consumersconcerns

Top of the day to you out there!  I'm Donna J Jodhan at the business desk.
Well, I have a very heavy e-bag to work with today and I am absolutely delighted that you are continuing to send us your feedback and questions.  Please keep them coming and you can email us at editor@untappedwealth.com.
Time for me to get to work now.
 
 
Important answers to consumers concerns
 
Question from Ruth Groundley:  Donna, I would like to know your thoughts on reversed mortgages.  I am thinking of getting one but am not sure if it would be a good thing.  What can you tell me?
Answer:  Ruth, according to the reference below that I found, it seems as if reversed mortgages are still a viable option for many.  My opinion is that if you need money for something specific, and if you do not have anyone to leave it for, then the reversed mortgage may be for you.  You have to look at what your reasons are for wanting one of these and then weigh it against any possible disadvantages that you feel may be there.  Hope my reference below helps.
        Retirement Expert Says Reverse Mortgages Remain Safe and Viable ...
        MarketWatch - USA
        Golden Gateway Financial, located in Oakland, California and at www.goldengateway.com, is a comprehensive resource for senior citizens, baby boomers and ...
For more detail read more at:
http://www.marketwatch.com/news/story/retirement-expert-says-reverse-mortgages/story.aspx?guid=%7B19083A34-8534-46EC-9E3E-7F2717C907E2%7D&dist=hppr
 
Question from Sheila Reed:  What can you tell me about the web design business?
Answer:  Sheila, according to entrepreneur magazine, this type of business is presently ranked in the top five.  Give a read to my reference below.
        A startling fact about Money
        By admin
        business opportunity, home based Business, internet business … Web design service has been ranked in the top 5 list of hot internet business opportunities by Entrepreneur magazine. Entrepreneur magazine is the most … ...
        Business VOIP -
http://www.freeld247.com 
 
Question from Bruce Sutton:  I am looking for some info of substance to read re the effects that the present economic downturn is having on our collective mental health.  What can you offer me?
Answer:  Bruce, here you go.  A really interesting article that is easy to read and understand.  This article hits home with some very interesting facts.  Hope it helps.
        Money worries take psychic toll
        Salt Lake Tribune - United States
        By Tribune staff and news services A wave of anxiety is washing over America, from Wall Street's concrete canyons to the lettuce fields of California to the ...
For more detail read more at:
http://www.sltrib.com/ci_10542256
 
Question from Pierre Gauthier:  Is there a silver lining to this economic crisis?
Answer:  Pierre, that's the question of the day and one that many of us are asking.  As an eternal optimist, I live in constant hope and the reference below gives hope to my hope.  Please give it a read.
        How to Profit from the Current Economic Crisis
        By Colin Noden(Colin Noden)
        You now have a panorama of opportunities. And the best part is that you can stay in your community and have it feel more like home that it ever has. This has been a long post. I'll end it here. Don't dismiss what I have written. ...
        Ethical Income Opportunities -
http://ethical-income.blogspot.com/ 
 
Question from Nick Fabreau:  Do you have any stats on how many suffer from anxiety and depression?
Answer:  Nick, you did not tell me which country you were asking about but I thought I would share an article with you from down under.  Hope it helps.
        Study says four out of 10 suffer anxiety, depression
        Melbourne Herald Sun - Australia
        Twice as many suffer depression or anxiety, take illegal drugs, or engage in risky, anti-social behaviour. The 23-year Australian Temperament Project, ...
For more detail read more at:
http://www.news.com.au/heraldsun/story/0,21985,24393436-661,00.html
 
Question from Anne Levensen:  Where can I find some tips on home computer security?  In particular online security?
Answer:  Anne, here you go.  A really interesting article that is well written and informative.  Hope it helps.
        Top Ten Tips For Computer Security
        By Spring(Spring)
        Well the main reason its happening, is that most computer users are not protecting themselves properly. When you follow the top 10 tips for online and offline protection, you will discover were your computer system weaknesses are. ...
        Computer Tips -
http://computertechnical.blogspot.com/ 
 
Question from Joe Parelli:  What is your opinion on whether our drinking habits are tied to a rise or fall in the economy?
Answer:  Joe, I am not an expert in this field but I think that my reference below should answer your question.  Hope it helps.
        September 20, 2008 - Drinking Habits and the Economy
        By sonnycalhoun@bellsouth.net
        Brian: We know that when people experience stress especially opiate addicts one of the key factors for relapse is stress and especially also for those that are alcoholic and those struggling with alcohol, anger and depression are key ...
        Breakthrough Addiction Recovery -
http://www.breakthroughaddictionrecovery.com/blog 
 
Question from Eric Ward:  I have Wifi at home and am seeking some info on security for it.  Can you help?
Answer:  Eric, here you go.  A great little article for you to read and get some tips from.  Hope it helps.
        10 tips for Secure Wifi @ home
        By noreply@blogger.com (dolphin)
        Each network device, such as a computer network card (NIC) has a unique MAC address. By allowing access only to pre-defined MAC addresses you can reduce the risk of rogue clients connecting to your home network. ...
        All I Came To Know -
http://mhkharish.blogspot.com/ 
 
Question from William Canning:  Donna, what do you think of Mexico as a retirement spot?
Answer:  William, well, here is a reference that talks about Mexico as a great retirement spot.  I will hold my opinion on this because I do not know enough to render one.  Hope it helps.
        Mexico Attracts Baby Boomers as a Better Place for Retirement
        By Paul Johnson
        Another good news for seniors is that Mexico and US is facing off in the health care and medical insurance industries for baby boomers. American insurance companies is up against a stiff competition from private Mexican medical ...
        The Medical Tourist -
http://medicalscoop.wordpress.com 
 
Question from Cathy Luz:  Donna, I am having all kinds of problems with spyware on my computer.  Can you help me?
Answer:  Cathy, here you go.  I think that you would really find this article of value. 
        Spyware and how to protect your computer from it
        By admin
        Spyware Will Comprimise Your Online Security - Act Now Before It's Too Late! Author Rob Funge explains: Itanersquo;s amazing just how many computer users are blissfully unaware that there systems have been infected with Spyware. ...
        Top Software -
http://www.top-soft.net 
 
Question from Simon Rendfuse:  Donna, where can I find some coaching services for small businesses?
Answer:  Simon, here you go.  Try this reference.  I quickly read it myself and it looks as if it may be what you are looking for.  Hope it helps.
        COACHING NEWS
        By Ravier, L.
        Tips for Marketing Coaching Services to Small Business Owners 'Psychopath' or 'Narcissist': The Coach's Dilemma Why the Ohio March of Dimes Engaged an Executive Coach Coaching in a Family Business What Coaches Say About Coaching Men ...
        Economía, management y coaching -
http://leoravier.com 
 
Question from Ron Groves:  Donna, I just bought my very first computer.  I am a retiree seeking some advice on how to keep it healthy.  What do you suggest?
Answer:  Ron, here you go.  Try this reference.  It covers a lot of the important basics.  Hope it helps.
        Tips To Ensure the Health of Your Computer
        By jamesbrendom
        Chip Reaves, national director of Australia-based Computer Troubleshooters, maintains that whether we are part of a small business, a multinational, or are just trying to find a recipe online at home, we spend just as much time fixing ...
        Technical Support News -
http://www.tech-support-news.com 
 
Question from Leslie Timco:  How important is it to ensure that websites are well translated?
Answer:  Leslie, extremely important.  A poorly translated website can cost you irrevocable damage to your business image and to your bottom line.  Please read my reference below.
        Tips for web site localization
        By 1stoptr
        Provide your translator with any available reference material such as translation guidelines, previous translations and glossaries. The guidelines can address issues such as what terms should be left in English, punctuation, ...
        Asian Languages -
http://1stoptr.wordpress.com 
 
Question from Olivia Young:  Donna, when do you think do most persons earn their highest incomes?
Answer:  Olivia, probably in their 40s and 50s and my reference below supports my opinion.  These are the years when most of us earn most of our incomes and the time when we tend to save the most for retirement.  Give a read to my reference below.  Hope it helps.
        Are you saving enough for your retirement?
        By Taz(Taz)
        "The good news is, realistically, most people's highest income-earning years are in their 40s and 50s," Salway adds. "And, at that time and place, they usually do get serious and do start putting money into (retirement) plans. ...
        CSN Richard Carpenter Watch -
http://richard-carpenter-watch.blogspot.com/ 
 
Question from Mike Fourney:  How can I protect myself from spyware?
Answer:  Mike, here you go.  A very insightful and interesting article for you to check out.  Hope it helps.
        Spyware - Protection & Prevention
        By basic-pc-repairvhk(basic-pc-repairvhk)
        Malware has become a major problem causing varying levels of problems to online commercial enterprises, government agencies, and the home computer user. Surveys carried out in 2005 reported that 61% of people that participated in the ...
        Home Computer Repair -
http://home-computer-repairlpafsozggl.blogspot.com/ 
 
Question from Rosemary Stone:  Donna, do you think that most retirees will be contented to stop work completely after retiring?
Answer:  Rosemary, I do not think so.  According to several surveys, most retirees are choosing to return to the workplace in some way shape or form because they want to keep working and this may not be a bad idea because of the growing knowledge divide.  We need to keep encouraging retirees to keep on working so that they can impart their knowledge and expertise to younger workers.  Please give a read to my reference below.
              MinnPost.com
        Old notions of retirement falling on hard times
        MinnPost.com - Minneapolis,MN,USA
        "In my opinion, as baby boomers retire they may not want to completely retire. … Our sense is that they may have retired from a full-time position and they ...
For more detail read more at:
http://www.minnpost.com/stories/2008/09/25/3647/old_notions_of_retirement_falling_on_hard_times
 
Question from Pierre Boursi:  Where can I find some free downloadable anti spyware?
Answer:  Pierre, here you go.  Take a look at my reference below.  Hope it helps.
        Free Anti Virus and Spyware Protection is Available Where?
        By computer-repair-new-yorkuut(computer-repair-new-yorkuut)
        The free version of anti-virus software is only available to home personal computer users. Corporations and businesses will need to purchase any one of AVG's other products. Specific features of this software are: automatic updates, ...
        Computer Problem -
http://computer-problemhvbezwr.blogspot.com/ 
 
Question from Gerard Fay:  Do you think that we are paying enough attention to our aging parents?
Answer:  Gerard, here you go.  This reference speaks directly to your question and they can answer this much better than I can.  Hope this helps.
        Senior Care: Communication is the key
        MyWebTimes.com - Ottawa,IL,USA
        In 2007, AARP took a survey of women baby boomers and found that while they were concerned about how to care for their parents, less than half had begun ...
For more detail read more at:
http://mywebtimes.com/archives/ottawa/display.php?id=367267
 

I am out of time for this week but here is my tip of the week.
If you are wondering who makes the most purchases in the family:  Why, it is almost always the mom.  She buys on behalf of the kids, the family, and herself.
 
At the business desk, I am Donna J Jodhan wishing you a terrific day and great week ahead.
 

Monday, October 06, 2008

Retirement Expert Says Reverse Mortgages Remain Safe and Viable ...

Good day everyone!  I'm Jeff N Marquis at the business desk.
For those of you who are concerned about the viability of reversed mortgages.  Many experts are saying that this alternative remains a safe and viable one and I would like you to check out our headlines below to learn more.
At the business desk, I'm Jeff N Marquis wishing you a pleasant day.
 
 
News for retirees, aging baby boomers, and seniors
Breaking news!          Retirement Expert Says Reverse Mortgages Remain Safe and Viable ...   
 
        Retirement Expert Says Reverse Mortgages Remain Safe and Viable ...
        MarketWatch - USA
        Golden Gateway Financial, located in Oakland, California and at www.goldengateway.com, is a comprehensive resource for senior citizens, baby boomers and ...
For more detail read more at:
http://www.marketwatch.com/news/story/retirement-expert-says-reverse-mortgages/story.aspx?guid=%7B19083A34-8534-46EC-9E3E-7F2717C907E2%7D&dist=hppr
 
        A Place for Mom, the Nation's Largest Senior Housing Referral ...
        MarketWatch - USA
        "There are 78 million Baby Boomers who will be making senior care decisions for themselves or an aging loved one. A Place for Mom and its free services are ...
For more detail read more at:
http://www.marketwatch.com/news/story/place-mom-nations-largest-senior/story.aspx?guid=%7B888B0464-F17A-46B7-9695-71D71C83AF2C%7D&dist=hppr
 
        Tackling seniors' concerns
        West Island Chronicle - Pointe-Claire,QC,Canada
        by Nav Pall As the baby boomer generation inches closer to retirement, service providers for senior citizens such as the West Island Community Resource ...
For more detail read more at:
http://www.westislandchronicle.com/article-252903-Tackling-seniors-concerns.html
 
        Mexico Attracts Baby Boomers as a Better Place for Retirement
        By Paul Johnson
        Another good news for seniors is that Mexico and US is facing off in the health care and medical insurance industries for baby boomers. American insurance companies is up against a stiff competition from private Mexican medical ...
        The Medical Tourist -
http://medicalscoop.wordpress.com 
 
             MinnPost.com
        Old notions of retirement falling on hard times
        MinnPost.com - Minneapolis,MN,USA
        "In my opinion, as baby boomers retire they may not want to completely retire. … Our sense is that they may have retired from a full-time position and they ...
For more detail read more at:
http://www.minnpost.com/stories/2008/09/25/3647/old_notions_of_retirement_falling_on_hard_times
 
        Senior Care: Communication is the key
        MyWebTimes.com - Ottawa,IL,USA
        In 2007, AARP took a survey of women baby boomers and found that while they were concerned about how to care for their parents, less than half had begun ...
For more detail read more at:
http://mywebtimes.com/archives/ottawa/display.php?id=367267
 
        McCain still pushing to privatize Social Security
        People's Weekly World - USA
        "Furthermore, the collapse of the housing bubble has destroyed much of the wealth of middle class baby boomers, making them even more dependent than ever on ...
For more detail read more at:
http://www.pww.org/article/articleview/13755/
 
        Are you saving enough for your retirement?
        By Taz(Taz)
        "The good news is, realistically, most people's highest income-earning years are in their 40s and 50s," Salway adds. "And, at that time and place, they usually do get serious and do start putting money into (retirement) plans. ...
        CSN Richard Carpenter Watch -
http://richard-carpenter-watch.blogspot.com/ 
 
        US senior centers planning for a boom of 'boomers'
        Boston Globe - United States
        Even those who've planned in advance say baby boomers will be unlike any generation that has ever passed through senior centers. ...
For more detail read more at:
http://www.boston.com/news/local/connecticut/articles/2008/09/27/us_senior_centers_planning_for_a_boom_of_boomers/
 
        Instead of retirement, baby boomers to invent new stage of life ...
        Muncie Star Press - Muncie,IN,USA
        "Work is replacing retirement," he said Thursday. "Baby boomers don't want the freedom from work, but the freedom to work." Because of healthy diets and ...
For more detail read more at:
http://www.thestarpress.com/apps/pbcs.dll/article?AID=/20080926/NEWS01/809260322
 
        Our view: As Baltimore's experience suggests, a new national ...
        Baltimore Sun - United States
        It requires that at least 10 percent of the funds it distributes go to programs that engage people age 50 and above, and the wave of aging baby boomers ...
For more detail read more at:
http://www.baltimoresun.com/news/opinion/bal-ed.service27sep27,0,131240.story
 
        The 2008 Retirement Roundtable
        On Wall Street - New York,NY,USA
        My question is this: Is it really possible that after all of this preparation, that the retirement of the baby boomers will really be a non-event? ...
For more detail read more at:
http://www.onwallstreet.com/asset/article/699821/2008-retirement-roundtable.html?pg=
 
        Medical News Today News Alert
        By Andre Kubaki(Andre Kubaki)
        Seniors / Aging News. Contrary To Reports, 78% Of Healthcare Employers Anticipate No Change To Their Defined Benefit Plan, USA Just one year after the IRS issued an extensive overhaul of 403(b) regulations, a recent study reveals that ...
        uva health -
http://uvahealth.blogspot.com/  
 
 
 

Saturday, October 04, 2008

The great oil bubble?

Good morning!  We at the business desk would like to enlighten your weekend with a Gryphon Financial update.
From time to time we will be bringing you these types of bulletins plus more because we feel that they are important enough for you to learn about.
Here is our tip of the week.
When the economy goes down, rates of stress and depression go up.  When bond prices rise, interest rates go down.  When mortgage rates rise, so do interest rates.
Have a great weekend.
Your business desk team.
 
 
Dear Investor,
 

 My name is Michael Warren, I am a partner of the firm Gryphon Financial and head of equity Hedge Fund strategies as well as managing our offshore Hedge Fund and Structured products division.  Since 1993 I have played a integral role in the developement of Gryphon Financial the Newsletter Division.  I am a graduate from Columbia University and The Wharton School of Business. I come from a long line of investors and Traders, as a matter of fact five generations.  It's my personal opinion that we can outperform any Newsletter in the business. I would be more than happy to help with any questions.   I can be reached at 1-800-828-9921 or 212-859-5088.
 
 
 
--------------------------------------------------------------------------------
 

The Great Oil Bubble?
Supply and geopolitical issues will not go away in global recession
 
The markets are rejoicing as the "great oil bubble" loses air and rapidly heads back to its proper double-digit price. The rejoicing may be a bit premature as the underlying supply and demand fundamentals do not appear to support "proper" prices for oil.
 
Between 2004 and 2007, global oil consumption grew by 3.9%, driven by emerging giants China and India (40% of the world's population) and other rapidly growing emerging economies. While consumption has exploded, production has not kept pace. Non-OPEC production growth has slowed well below historical averages. And the only country with significant spare production capacity is Saudi Arabia. Unfortunately, Saudi spare capacity is not independently verified, and the vast majority of their current production is from the giant Ghawar oil field, a dowager now 57 years old which still produces nearly 5 million barrels a day.
 
"Saudi Aramco is injecting a staggering 7 million barrels of sea water per day back into Ghawar, the world's largest oilfield, in order to prop up pressure. It accounts for 30% of Saudi oil reserves and up to 70% of daily output. Doubts grow about Saudi as Global Swing Producer," Aberdeen Press & Journal Energy
 
 
 
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It is interesting to note that the above article appeared in April 2004. Time is not on the side of Saudi Arabian spare productive capacity.
 
Surplus Capacity Remains Low
 
World surplus production capacity remains low. The estimated 1.35 million barrels per day in June 2008 is equivalent to less than 2 percent of consumption, an amount well below the 1996-2003 annual average of 3.9 million barrels per day. This puts upward pressure on prices and leaves world oil markets vulnerable to supply disruptions.
 
 
 
Even if world GDP were to slow significantly, oil consumption may not fall off the table. Per capita oil consumption is growing in the Middle East, China and India. If these areas continue to subsidize the price of gasoline, then demand may stay strong, even in a slowing global economy.
 
Disturbing Findings
 
The historically conservative International Energy Agency (IEA) has issued some disturbing findings in its latest report. It notes that global production cannot keep up with demand, and the trend is getting worse. It predicts global oil depletion at 5.2% this year, versus 4% last year. Over 3.5 million barrels per day of new production will be needed each year just to hold global production steady. With Ghawar, the world's largest and one of the oldest fields now producing less than 5 million barrels per day (approximately 6% of global daily production), where will this new production come from this year, and in every succeeding year? What if the global depletion rate is over 6% next year, equivalent to Ghawar? This is the crux of the issue. Finite supplies will never be able to meet infinite future demand.
 
 
 
 
 
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Increasing Reliance on OPEC Production
 
 
 
Call on OPEC to Fill Growing Demand
 
According to the Interagency Task Force on Commodity Markets (ITF), spare capacity is shrinking. Since 2003, OPEC oil production has grown by 2.4 million barrels per day, while the "call on OPEC," the difference between world consumption and non-OPEC production, increased by 4.4 million barrels per day. The world oil market balance has tightened. If speculation was the reason for higher prices, then inventory levels should be rising. However, inventories have been falling. According to the ITF, global demand is expected to grow at approximately 1.6% annually, lead by China, India, the Middle East and Latin America.
 
Non-OPEC Supply Growth
 
 
 
It's 1915 in China
 
The year was 1915 and a young and growing America was just beginning to fall in love with the automobile. That year there were 9 privately owned vehicles per 1,000 Americans. That is precisely where we find China today as it begins its own love affair with the automobile. The difference of course is rate of change and scale. China recently passed Japan as the second largest automobile market after the US. Astoundingly, China did not begin encouraging private car ownership until 1994. Even more amazing, 37% of people driving in China today did not know how to drive 3 years ago! (The death rate from accidents per 100,000 cars is 4.5 times the US rate.)
 
With a middle class already estimated at nearly 300 million people (21% of total population), it is only a matter of time before China will have more cars than any country on the planet. On the luxury side, China is already the #1 Rolls Royce market in the world, with the most popular model selling for a cool $397,000.
 
As the financial system grows and gains acceptance in China, it will open up more opportunities for Chinese citizens to buy cars on credit. In a Chinese car ownership survey, 96% of respondents said they paid cash for their cars. As this nation of hardworking people begins to taste the convenience and freedom of automobile ownership, there is no turning back, even at higher fuel prices. The global demand for gasoline will grow rapidly as car ownership becomes more commonplace in China.
 
China now imports over 4 million barrels of oil a day, roughly the same as Japan. Despite a major production effort, China's crude oil output is forecast to rise only 1.1% in 2008 to 189 million metric tons. This is down from a 1.6% increase in 2007, according to the Chinese Petroleum and Chemical Association. The implication is for continued growth in imported oil, even if the economy slows from its current double digit growth.
 
 
 
 
 
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Per Capita Consumption Likely to Rise
 
China, India, and the Middle East use substantially more oil to produce a dollar's worth of real output than the United States. These economies are among the fastest growing in the world. They have accounted for nearly two-thirds of the rise in world oil consumption since 2004. However, these economies still consume a relatively small amount of oil on a per capita basis. As these economies continue to develop and incomes rise, per capita energy use is likely to increase dramatically.
 
 
 
Geopolitical Uncertainty
 
"There is currently a high degree of uncertainty in world oil markets due to fears about the adequacy of oil supplies in the future. Current world oil supplies are highly concentrated, and much of those supplies are held by nations that limit access to private investment, thereby preventing full development of production through enhanced expertise and technology. In 2007, the top 10 oil producers represented about half of total world production. In addition, geopolitical risk surrounds many of these top producers, either because of current supply disruptions (Iraq, Nigeria) or the perceived threat of a disruption (Iran, Venezuela). Finally, as noted previously, there is little surplus production capacity available to offset any disruption." ITF Interim Report on Crude Oil, July 2008
 
Dollar Rally Pushing Down Commodity Prices
 

The dollar is enjoying a nice run after a long period of dreary performance. This is affecting all things priced in dollars, particularly commodities. The fundamentals for the dollar have not improved, only sentiment against other currencies such as the euro. While a dollar rally could last into the fall, it is very likely that it cannot be sustained without improved fundamentals. Look for reality to reenter the markets after the November elections. The alchemists at the Fed cannot create prosperity through the printing of more dollars, though they will surely try to stave off a severe recession in this manner.
 
Lower gas prices at the pump have been a welcome sight to all consumers, and especially politicians running for election. Given long term supply and demand fundamentals however, those looking at the "great oil bubble" as just a passing bad dream may be in for future nightmares in the years ahead. However, those investors who understand the future trends should be able to sleep much more soundly.
 
Today's Markets
 

Stocks fell sharply Monday as the financial sector deepened its slide amid reports of more losses at Lehman Brothers and of a bail-out for mortgage giants Fannie Mae and Freddie Mac.
 

The Dow Jones Industrial Average finished down 180.51 at 11,479.39. The S&P 500 Index was down 19.60 to close at 1,278.60. The Nasdaq also ended lower, losing 35.54 to close at 2,416.98. 
 
Gold futures closed higher Monday, rebounding from last week's drop of more than 8% as weakness in the U.S. dollar helped increase demand for the precious metal, lifting prices by nearly $14 per ounce for the trading session.
 
Crude-oil futures closed below $113 a barrel Monday with traders' nerves rattled by signs of sluggish demand for oil worldwide just as concerns started to wane over the potential for energy supply disruptions in the Gulf of Mexico. Crude found some level of support as the U.S. dollar fell against some of its major currency rivals and as tensions in both Georgia and Iran continued to worry traders. Traders are always nervous because they deal with day-to-day swings, not long term fundamentals.
 
 

Friday, October 03, 2008

Your Time Is Now - Network marketing soared in the 90's... and the ...

Hey there!  I'm Alix Shadonnay at the business desk.
Has anyone told you lately that your time is now?  What I mean is this!  Despite the present economic downturn, despite all of those financial institutions crumbling around us, I am here to tell you that there is a definite silver lining and this lining refers to you using your own personal resources to make it big.  No, not your finances, but your knowledge and your expertise.
Want to know more?  Then please read our headlines below but before this here are our Amazon picks of the week.
At the business desk, I'm Alix Shadonnay wishing you a great first weekend of fall.
 
 
Amazon picks of the week
Starting & Building a Nonprofit: A Practical Guide
By Peri Pakroo
We are promoting this book this week in response to several emails from our readers asking for more information on how to start and build a non-profit organization.  This is a great book to get started and there are many hidden secrets revealed.
 
 Effective Fundraising For Nonprofits: Real World Strategies That Work
By Ilona M. Bray
Again, in response to overwhelming demand, we are promoting a book that contains many important strategies for you to read about.  The author has packed her book with several useful and valuable strategies many of which are new and vital for you to discover.
 
Home business opportunities, Internet business opportunities, small business opportunities, business opportunities in Asia
Breaking news!              Network marketing soared in the 90's... and the ...
 
        Africa seeks fair share of 'green' cash
        By fsg
        In 2007 the Framework launched an Internet-based CDM Bazaar to bring project developers together with investors; to provide a venue for engineers, marketing firms and other service providers; and to highlight the opportunities for CDM ...
        African Consultants Network -
http://www.africanconsultants.com/ 
 
        Your Time Is Now - Network marketing soared in the 90's... and the ...
        By Paul McDonald(Paul McDonald)
        As a result, this was often seen as a woman's business, which tended to discourage male recruits. But as opportunities in the industry have increased, more men have been attracted to it; in turn, the all-female perception has faded, ...
        The Center for MLM Education... -
http://mlm-center.blogspot.com/ 
 
        Gates of Vienna News Feed 9/16/2008
        By Baron Bodissey(Baron Bodissey)
        Farzad Darui is charged with stealing more than $435000 from the Saudi-financed mosque during his time as business manager there. His first trial ended in a mistrial earlier this year when a jury could not reach a verdict. ...
        Gates of Vienna -
http://gatesofvienna.blogspot.com/ 
 
        Gates of Vienna News Feed 9/16/2008
        The US embassy in Sweden has announced a unique partnership with the city of Södertälje to help the city's young people learn more about opportunities for work and study in the United States. Södertälje's mayor Anders Lago gained ...
        The English Parliament - Building... -
http://theenglishparliament.com 
 
        teorism counter
        By INDONESIARAYA(INDONESIARAYA)
        The chapters share a thematic focus on the need to highlight opportunities to facilitate aid, and while thoughtful and well-reasoned, the monograph is largely unsatisfying -- like a short story that ends too quickly. ...
        InProgress Institute -
http://risalahnu.blogspot.com/ 
 
        2008 Annual Report
        Sydney Morning Herald - Sydney,New South Wales,Australia
        Our apprentices and trainees around Australia continue to look for new opportunities to sponsorship of Reach is an extension by providing grants to help ...
For more detail read more at:
http://newsstore.smh.com.au/apps/previewDocument.ac?docID=GCA00881455SKE
 
        China's imploding US ally
        Asia Times Online - Kowloon,Hong Kong
        To most Westerners guanxi emphasizes personal relationships in contrast to the contractual, non-relational business practices common in America. ...
For more detail read more at:
http://www.atimes.com/atimes/China_Business/JI18Cb02.html
 
              Siliconrepublic.com
        Thinking outside the business is more than...
        Siliconrepublic.com - Dublin,Ireland
        There may be technology these companies aren't using that can be used to create new business opportunities and be part of a bigger ecosystem. ...
For more detail check out:
http://www.siliconrepublic.com/news/article/11446/business/thinking-outside-the-business-is-more-than-box-clever
 
        Campaign 2008
        By techpluslifestyle
        Progress in science and technology must be backed with programs ensuring that US businesses have strong incentives to convert advances quickly into new business opportunities and jobs. To do this, my administration will make the R&D tax ...
        Tech + Lifestyle: Enhance Your World -
http://techpluslifestyle.wordpress.com 
 
        ABC, Newsweek & the media polls propogate discrimination against ...
        By One Wacky Mom(One Wacky Mom)
        638-The Rising Blogger 639-Saturday 9 640-haekal-bloger 641-The World Through My Eyes 642-Blog Income Project 643-Nelle - EmpressReviews 644-home for business 645-Kaleidoscope 646-Intrepid Ideas 647-Life in the United States ...
        My life is murphy's law -
http://wackymom.blogspot.com/ 
 
        Download Free Computer Ebooks - NET BOOKS
        By sandy(IRecruiter)
        Computer and network systems have given us unlimited opportunities of reducing cost, improving efficiency, and increasing revenues, as demonstrated by an increasing number of computer and network applications. ...
        E-Books Download links -
http://your-free-ebook-download.blogspot.com/ 
 
        What Kind of Place to (australia tours) Travel to on Holiday
        By admin
        Obinna Heche. Los Angeles - California. Delivering the best home based business ideas and opportunities so you can work at home successfully.. http://www.biggsmall.com. Your Source For Travel Information Across Wide Australia ...
        Wide Australia -
http://www.wideaustralia.com 
  
        ABELLCHAMPION.COM EXCLUSIVE REPORT
        By abellchampion
        The INTERNET can offer you many business opportunities and there are many people making money from work at home and online jobs, but there are also a lot of scams to beware of. If you would like to earn money and work at home and learn ...
        Abellchampion's Weblog -
http://abellchampion.wordpress.com/ 
 
        Review on Internet Marketing Strategies of Derek Gehl and Gerald ...
        By admin
        But, there'sa lot of snake oil opportunities out there that promise incredible things. While this is not some sit on the fence and do nothing type of business and while success with anything can only be achieved with a diligent and ...
        eNewsMediaMagazine -
http://enewsmediamagazine.com 
 
        (Adventure travel australia) Planning for a Tour…No Problem!
        By admin
        Obinna Heche. Los Angeles - California. Delivering the best home based business ideas and opportunities so you can work at home successfully.. http://www.biggsmall.com. What Kind of Place to Travel to on Holiday By Gaizka Pujana ...
        Oz Scapes -
http://www.ozscapes.com 
 
        Top Ten Small Business Mastermind Advisers
        By admin
        If your business is not on the web and you are not selling products to the global market then you are making your life incredibly difficult and you are missing out on lots of opportunities. The internet is a fantastic tool for doing ...
        Business Dream Blog -
http://29261.com 
 
        Caprock Analytics Stock Ratings
        By Admin
        Although the majority of its vessels operate in the Atlantic, The Company also operates vessels in the Black Sea and in other regions, which enables it both to take advantage of market opportunities and to position its vessels in ...
        Stock-Net.com -
http://stock-net.com 
 
        Innovative Products and Integrated Technologies Fuel Demand for ...
        By Editor(Editor)
        Home business opportunities, Internet business opportunities, small business opportunities, business opportunities in Asia The Big Bang Meme By SAHMilitaryWife@aol.com (Military Wife) 638-The Rising Blogger 639-Saturday 9 . ...
        TranslationPeople.com - Free Useful Info -
http://www.translationpeople.com/free-useful-info.html 
 
        Hosting.com, Colocation Web Hosting Firm, Showcases Cloud ...
        By inftekho
        Steve Kahan, Vice President of marketing and product management with The Planet noted, "Storage has become one of the most critical elements for any organization, particularly with the monumental expansion of business over the Internet. ...
        InfTek Hosting - Professional... -
http://www.inftekhosting.com/blog 
 
        First Pocket Projector Set to Debut this Month
        By Jason Mick / DailyTech
        Secure a long term business relationship with the customer as the basis for growing business. • Penetrate the customer's organisation and decision making unit creating new opportunities that can be exploited to accelerate account growth ...
        SalesHQ -
http://www.saleshq.com/ 
 
        An Entrepreneur ' s New Year Resolution
        By realestaterent384
        He embraces the servant rule logic and serves as a catalyst for free enterprise, small business and economic development. Ken works with growth - oriented companies in technology, health care, manufacturing, financial and business ...
        realestaterent384 -
http://realestaterent384.neoplanta.com 
 
        Spliced feed for Public Relations Network
        By Wilson(Wilson)
        Myspace, Facebook, YouTube and other social media sites are but a small part of the tools that both customers and companies can use to communicate with each other. Within the organisation and outside are challenges and opportunities ...
        advisable -
http://oaeobliterated.blogspot.com/ 
          

Thursday, October 02, 2008

Laptop Security Device - 10 Tips To Protect Your Laptop And Data

Hi everyone!  I'm Heather DeMarco at the business desk.
Well, you're probably wondering what do I have in store for you this week?  Not too much except to sound the warning on laptop security.  With more and more of us carrying around our laptops everywhere, it is very important for us to be aware of how vulnerable we can be to those eager and waiting hackers.  So, with this in mind, my feature for this week is going to focus on tips for laptop security.
At the business desk, I'm Heather DeMarco wishing you a great day.
 
 
Security tips for home computer users
Breaking news!             
        Laptop Security Device - 10 Tips To Protect Your Laptop And Data
        By frcamera
        Please visit http://www.shop4laptop.com/Home/security-cable-for-laptop-computer for the lowest prices and largest selection of laptop security devices. Article Source: http://EzineArticles.com/?expert=JR_Lang http://EzineArticles.com/? ...
        frcomputer -
http://frcomputer.wordpress.com/ 
 
        Deploying the iPhone 3G for business, part 2
        Although disabling the use of SSL might appear to be one solution, it raises serious security concerns, particularly if users are connecting via unsecured Wi-Fi networks (which there is no feasible way to prevent). ...
        The Ultimate iPhone News Collection... -
http://www.iphone2die4.com/feeds/latest/ 
 
        Sandia Handheld Instrument Assesses Dental Disease In Minutes
        By admin
        Sandia National Laboratories' World Wide Web home page is located at http://www.sandia.gov/. Sandia news releases, news tips, science photo gallery, and periodicals can be found at the News Center button. Contact: Neal Singer ...
        Health and Fitness -
http://www.zuixinxiaoshuo.com 
 
        Hack Back Your Computer - Revive Your Lagging Pc
        By monster
        Bellow are some tips almost any computer user can performe, to help speed up your computer 1. Restore Point Before we get started we are going to record a windows restore point. If at any point you feel you've made a big mistake you can ...
        blogmonsterph.com -
http://blogmonsterph.com/ 
 
        Tips For Safer Computing Online
        By Movies & Music(Movies & Music)
        New computer viruses threaten the unwary user everyday. Hackers jeopardize your online security with invasive computer techniques to steal your passwords, personal information, even identity. Unscrupulous marketers bait you with free ...
        Movies&Music -
http://cinemasguru.blogspot.com/ 
 
        Windows XP Tips n Tricks
        By admin
        Go to START-RUN and enter gcontrol userpasswords2 select the user the you would like to have auto logon set to and then uncheck gUsers must enter a user name and password to use this computerh. Ok out. Now you have to do one more thing ...
        DukhSukh -
http://www.dukhsukh.com 
 
        [VistaSoftware] Digest Number 1149
        By BollywoodX2(BollywoodX2)
        working from their home computer. free sign up. https://www.quickinfo247.com/9820837/cb. Add more friends to your messenger and enjoy! Go to http://in.messenger.yahoo.com/invite/ Messages in this topic (1) ...
        Vista Software Development -
http://vista-software.blogspot.com/ 
 
        BitDefender Internet Security 2008
        By Daniel(Daniel)
        The BitDefender 2008 product line, which includes BitDefender Antivirus 2008, Internet Security 2008 and Total Security 2008, is designed to protect a wide variety of computer usage scenarios ranging from individual PC users and ...
        Computer Tips ,Tricks And Rapidshare... -
http://1computricks.blogspot.com/ 
 
        Top501 World: Mark Zuckerberg
        By Josefina Somtam
        The computer services department brought Zuckerberg before the Harvard University Administrative Board, where he was charged with breaching computer security and violating rules on Internet privacy and intellectual property. ...
        Blogs & Stories @ Top501.nu â... -
http://articles.top501.nu 
 
        Computer Security - Tips For Safe Public PC Use
        By admin
        Take advantage of this feature to enhance your security. If you plan to be away from home for a few days - but aren't using your regular computer or laptop - try to forward your email to an account you set up especially for the trip. ...
        eNewsMediaMagazine -
http://enewsmediamagazine.com 
 
        Security and Privacy on a Shared Computer
        By Jenny(Jenny)
        Are you sharing your computer with colleagues, family, or co-habitants? Do you surf with Opera on publically accessible computers? This page holds some tips for maintaining privacy within the same computer and user account. ...
        Opera -
http://opera-support.blogspot.com/ 
 
        Sarah Palin Email Hacked -- How Protected is Yours?
        By Regina Lewis
           By some estimates, the average computer user has more than a dozen. While there are lots of automated password reset tools these days, "What's my password" remains one of the top tech support questions. So, what's the trick to creating ...
        Regina Lewis -
http://www.reginalewis.com 
 
        White skin has been selected for allowing as much UV exposure to ...
        By carlineking
        To prove you're a person not a spam script, type the security word shown in the picture. Back into the presynaptic neuron through a specific choline sanyo and is recycled into the synthesis of ACh. McCann, JC, Ames BN Review Article Is ...
        By getting help the user will... -
http://carlineking.clickblog.com.br/ 
 
        Spliced feed for Security Bloggers Network
        By Jones(Jones)
        Next, we would have fixed her home network, especially the insecure WiFi setup she probably has. We would have scanned her computer to see if she were already infected with malware/bots, and then reconfigured her (and her families) ...
        agribusiness -
http://intabitinsop.blogspot.com/ 
 
        Online Safer Banking Tips
        By Lingerie Careers(Lingerie Careers)
        Get the latest software updates from the company that produces your operating system to protect against any security threats. Security updates are released regularly to fix holes in a computer's operating system. ...
        Lingerie Careers -
http://lingeriecareers.blogspot.com/ 
 
        Bank Of America Online Banking
        By Dave Wilks(Dave Wilks)
        No Matter of residency, opening a Bank of American Online Banking account can be done from any home computer. The security services of the bank are bragged as the greatest in the industry and beginning a Bank of American Online Banking ...
        Debt Consolidation Loan Reviews -
http://debt-consolidation-loan-reviews.blogspot.com/ 
 
        Windows Vista Google Alerts for 19 September 2008
        By webmaster@windowsobserver.com (Richard Hay)
        (1); How to Move Web Applications to Your Desktop (0); How to Internet Connection Sharing In Windows Vista (1); Fix Windows and Internet Explorer Missing Files (0); Download Windows Firewall with Advanced Security (5) … ...
        WindowsObserver.com -
http://www.windowsobserver.com 
 
        Tips To Protect Your Computer With Better Data Computer Security
        By expert2
        home computer security Start with the pc security shield. Your goal is to prevent others from accessing your data remotely. A combination of computer firewalls and antivirus PC security software can take your sensitive information from ...
        Best Offers and News on Digital Goods! -
http://click2save.org.uk 
 
        WiFi (Wireless LAN), Wireless Home Network Security tips.
        By admin
        Connecting to an open Wi-Fi network such as a free wireless hotspot or your neighbor's router exposes your computer to security risks. Although not normally enabled, most computers have a setting available allowing these connections to ...
        Frustration.in :::: Express your... -
http://frustration.in/blog 
 

 

Wednesday, October 01, 2008

Economic Downturn Means Anxiety Up

Good morning!  I am Kerry J Harrison at the business desk.
I would like to issue a stern warning to our readers this morning.  I truly believe that this warning is necessary because if we do not deal with this now then who knows what will happen in the near future.
I am referring to the economic downturn and the effects that it is having on our mental health.  The economic downturn is here, and we may as well get used to it.  We may as well get used to a fact of life that clearly says that economic downturns cause more stress and anxiety in our lives.  Please read our headlines below.
At the business desk, I'm Kerry J Harrison wishing you a pleasant day.
 
 
News on stress, anxiety, and depression
Breaking news!             
 
        Pregnant Women With Bulimia Have More Anxiety And Depression ...
        Science Daily (press release) - USA
        17, 2008) — Women who have bulimia in pregnancy have more symptoms of anxiety and depression compared to pregnant women without eating disorders. ...
For more detail read more at:
http://www.sciencedaily.com/releases/2008/09/080917095356.htm
 
              BBC News
        Girl's bath killing 'not planned'
        BBC News - UK
        In 2000, Ms Hill twice attempted suicide and throughout the year she was prescribed a medication for anxiety, depression and sleeplessness. ...
For more detail read more at:
http://news.bbc.co.uk/1/hi/wales/7621463.stm
 
        Quantum Intech, Inc., Parent Company of HeartMath(R), Announces ...
        MarketWatch - USA
        Quantum Intech researches, develops and licenses emotion-interactive technology to reduce stress and anxiety, improve health and wellness, and increase ...
For more detail check out:
http://www.marketwatch.com/news/story/quantum-intech-inc-parent-company/story.aspx?guid=%7BA6949BCD-5980-477C-93A3-BBE9057AAEC6%7D&dist=hppr
 
        Pregnant women with bulimia 'more prone to anxiety and depression'
        By news(news)
        Washington, Sept 18 (ANI): Pregnant women with bulimia are more likely to have symptoms of anxiety and depression, according to a new study. The study from the Norwegian Institute of Public Health (NIPH) shows that they also have lower ...
        Bharatsite: LIFE STYLE -
http://news.bharatsite.com/entertainment/ 
 
        Pregnant women with bulimia have more anxiety and depression
        Women who have bulimia in pregnancy have more symptoms of anxiety and depression compared to pregnant women without eating disorders. A new study from the Norwegian Institute of Public Health (NIPH) shows that they also have lower ...
        Eureka! Science News - Popular... -
http://esciencenews.com 
 
        Does Obsessive Thinking Drive You to Overeat?
        By JoLynn Braley
        You'll learn exactly how this relates to your weight loss and fitness journey and why releasing chronic stress and anxiety in your life (which, by the way, leads to depression) is essential in helping you stop using food to soothe ...
        The Fit Shack -
http://www.thefitshack.com 
 
        Natural Solutions To Combat Stress
        Herbal medicine has long been used to treat ailments associated with stress such as insomnia, depression and anxiety. Finding the most effective method to treat stress disorders can sometimes add unwanted anxiety to an already hectic ...
        Extra Newspaper - News and arts... -
http://www.extranews.net/ 
 
        Soon to be patient with questions
        By Blaize
        I have major depression and anxiety. I have a folder, fat with medical records from hospital stays for weeks at a time due to both these conditions. I am aware MediCann is not known for backing people in court, but that doesn't concern ...
        Cannabis.com Forums Message Boards... - http://boards.cannabis.com 
 

        Mental-Health Help Lines Buzz From Recession Depression in US
        Bloomberg - USA
        Worrying about finances and housing ``causes marital conflict, extreme stress, anxiety, depression'' and can disrupt workers' productivity ``because their ...
For more detail read more at:
http://www.bloomberg.com/apps/news?pid=20601103&sid=aFEDxma2ybio&refer=us
 
        A mindful distraction for pain and depression
        Irish Times - Dublin,Ireland
        "Kabat-Zinn found that [the patients'] level of pain was reduced after a mindfulness course . . . and it also reduced anxiety and depression. ...
For more detail read more at:
http://www.irishtimes.com/newspaper/sciencetoday/2008/0918/1221599462380.html?via=mr            
 
        Wall Street Anxiety: 8 Tips to Manage Financial Stress
        Beliefnet.com - New York,NY,USA
        It's the same sort of logic I describe in my "12 Depression Busters" : when the last thing you want to do is to get dressed and say hello to some folks, ...
For more detail read more at:
http://blog.beliefnet.com/beyondblue/2008/09/wall-street-anxiety-8-tips-to.html
 
        New Insights Into Teenagers And Anxiety Disorders
        She is four years into an eight-year study evaluating 650 students, who were 16 when the study began, to identify risk factors for the development of anxiety and depression - the most comprehensive study of its kind. ...
        Accessibility News - Health -
http://www.accessibility.com.au/news//health 
 
        Pregnant Women With Bulimia Have More Anxiety And Depression ...
        By http://www.sciencedaily.com/rss/health_medicine...
        Pregnant Women With Bulimia Have More Anxiety And Depression, Study Finds.
        Curbside.MD News Alert: Top Stories -
http://www.curbside.md/news 
 
        Pregnant women with bulimia have more anxiety and depression
        Women who have bulimia in pregnancy have more symptoms of anxiety and depression compared to pregnant women without eating disorders.
        Brightsurf Science News and Current... -
http://www.brightsurf.com 
 
        PTSD Among ICU Survivors
        By Rick Nauert, Ph.D.
        "For people who have a prior history of depression and anxiety disorders such as PTSD and other mental health disorders, stressful situations can bring about exacerbations of their underlying psychiatric illness. ...
        Psych Central News » Psychology -
http://psychcentral.com/news 
 
        Mental health lines buzz as fears rise
        Economic Times - Gurgaon,Haryana,India
        "A lot of people are coming in with depression, afraid they're going to lose their homes" and many children are suffering from anxiety and having trouble ...
For more detail read more at:
http://economictimes.indiatimes.com/News/International_Business/Mental_health_lines_buzz_as_fears_rise/articleshow/3504758.cms
 
        High Anxiety
        The Weekly Standard - USA
        Are we headed for a depression? Let's begin with the somewhat reassuring point that even if we are headed for a depression, it will not be like the memories ...
For more detail read more at:
http://www.weeklystandard.com/Content/Public/Articles/000/000/015/590meujj.asp
 
        Henry Paulson musters 'decisive action' to stem global financial ...
        Times Online - UK
        Washington's dramatic attempt to assemble a comprehensive scheme to beat the gravest banking crisis since the Great Depression of the 1930s capped a ...
For more detail read more at:
http://business.timesonline.co.uk/tol/business/economics/article4791306.ece
 
        Mal de Media - Part 3 Solutions
        By Stuart Fischoff, Ph.D.
        In reaction, media-users immerse further in order to calm themselves, anxiety elevates, and the cycle continues. Yet, it is not simply that stress triggers stress-related physiological reactions but also that stress engages cognitive ...
        Psychology Today Blogs -
http://blogs.psychologytoday.com 
 
        Three photos of the day: Economy
        By Wolf189 Photography(Wolf189 Photography)
        Worrying about finances and housing ``causes marital conflict, extreme stress, anxiety, depression'' and can disrupt workers' productivity ``because their mind is on the financial crisis they're dealing with instead of their job,'' said ...
        Wolf189 Photography -
http://wolf189.blogspot.com/ 
 
        Stress During Pregnancy Linked to Smaller Babies
        By admin
           The researchers found that the fetuses of the mothers with higher rates of depression, anxiety and stress weighed less and were smaller than average. In addition, cortisol levels were linked to the weight of the fetus, indicating that ...
        Health and Fitness -
http://www.zuixinxiaoshuo.com 
 
        Psoriasis - Enbrel(R) Shown To Deliver Long-Lasting Improvements ...
        By admin
        In addition, those with psoriasis can also experience serious co-morbidities: approximately one third of psoriasis patients suffer from some form of depression or anxiety. This is a worrying thought which should lead us to early ...
        Medical info and news -
http://medical.thewebposts.biz 
 
        Mental-Health Lines Buzz in US Recession Depression
        19 (Bloomberg) -- A tidal wave of anxiety is washing over America, from Wall Street's concrete canyons to the lettuce fields of California, propelled by the mortgage industry collapse, high gas prices, tight credit and rising ...
        Democratic Underground Latest... -
http://www.democraticunderground.com 
 

 

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