Wells Fargo, Goldman informed may face SEC action (AP)

[unable to retrieve full-text content]AP - Wells Fargo & Co. and Goldman Sachs Group Inc. said Tuesday they may face federal enforcement action by the U.S. Securities and Exchange Commission related to mortgage-backed securities.

Source: http://us.rd.yahoo.com/dailynews/rss/stocks/*http%3A//news.yahoo.com/s/ap/20120228/ap_on_bi_ge/us_wells_fargo_wells_notice

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Intel Announces New Smartphone Partnerships With Lava, ZTE, And Visa

We've already caught wind of the Lenovo K800 and Orange's newly-announced Santa Clara but Intel CEO Paul Otellini isn't content to leave their push into mobile at that. Otellini has just announced that Intel has entered into partnerships with a handful of companies in hopes of solidifying their place in the smartphone market. Among those new partners are relative unknowns like Lava International, to major players like ZTE and Visa.

Source: http://feedproxy.google.com/~r/Techcrunch/~3/Zf1I-JJUdZE/

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Notice - Minyanville

Editor's Note: This article was originally published on February 25.

Don't Tax You, Don't Tax Me
Tax that Man Behind the Tree!

? Senator Russell Long, Democrat Louisiana (1918-2003)

Last week's letter on taxes drew more response than any letter I have written in years. (See Taking Steps Toward a Way Out of Debt and Deficits.)

Questions that were raised simply beg for an answer, and some of the replies were very thoughtful, well-written suggestions for alternatives. This week I am going to do something I can't ever remember doing, and that is to use the entire letter to involve and respond to my readers.

Let me begin by thanking all of those who responded, and to observe that every response I read was polite and courteous, even when aggressively disagreeing. Not every site on the Internet has such a civil discourse among its readers. I appreciate that. Next week we will return to All Greece, All the Time or whatever the crisis du jour is, although I am much more interested in China of late.

I will have to address the world's largest nation at some point soon. At the end of the letter, I provide some very interesting and fun links and a note on an upcoming webinar with investment legend Israel "Izzy" Englander. Now, let's zero in on taxes.

The Fair Tax

A rather significant and vocal number of you wrote in support of what is called "the Fair Tax," which is basically a national sales tax, suggesting it is a better alternative than a value-added tax (VAT). I should note that there are 70 members of Congress who have co-sponsored a Fair Tax bill, so this is not outside the realm of possibility. It also speaks to the possibility of a tax on consumption being politically feasible, which I will again address later.

I am going to use a longer, well-written reply from Roger Buchholtz of Kalamazoo, Michigan. I will only interrupt him a few times with a reply in brackets [?] and then add a longer reply at the end. Roger wrote:

Dear Mr. Mauldin,

I just finished reading your article "The Cancer of Debt and Deficits" and agreed with your conclusion that it is time for radical tax reform. Actually, what was radical was the adoption of the 16th Amendment in 1913, after our Founding Fathers had twice prohibited it in the Constitution.

I am delighted to see that you recognize that consumption taxes are less damaging to an economy than income taxes. Income taxes tax productive behavior (work, saving, investing, etc.), thereby reducing the return/reward for that behavior. They, in essence, punish people when they are contributing to society.

As you have apparently concluded, a simple, Flat Income Tax is not the answer. I agree, because it will remain neither for very long. It will just allow all the tax favors to be bought and sold all over again, which will exacerbate today's corruption of our representative form of government to the point that our representatives too often represent special interests rather than their constituents. [I am not opposed to a flat tax, as I will address below.]

In addition, the Flat Income Tax would only slightly reduce compliance and efficiency costs (as all records must be maintained and returns filed) and it would continue the practice of imbedding taxes in the prices of the goods and services that citizens buy. Today, an average of 22% of the producer price of all American-produced goods and services are taxes imbedded in the price. This practice of imbedding much of our tax burden in the prices of our products places American labor and business at a great competitive disadvantage with foreign labor and businesses. In essence, a Flat Income Tax would have no long-term benefits and could delay true tax reform for a generation.

[While I am not sure of whether it is exactly a 22% embedded tax cost, it is certainly high. There were several objections to a VAT because it would be a burden on businesses. I would note that ALL taxes are a burden. Others objected to a VAT as being a burden on consumers. As Roger points out, consumers are already paying a great deal in hidden taxes on what they purchase. Either the Fair Tax or a VAT can be structured to be revenue-neutral and eliminate the other embedded costs. What both proposals do is eliminate nearly all other taxes, including Social Security, which adds directly back into both employee and business income.]

Now, let's compare two consumption taxes: the Value Added Tax (VAT) proposed by Marc Sumerlin and Larry Lindsey in their book and the Fair Tax Act that is now before Congress with over 70 cosponsors and the subject of two best-selling books. Both proposals replace the current Internal Revenue Code and are revenue neutral. The Fair Tax (HR 25) replaces the income tax, Social Security & Medicare taxes, and death and gift taxes with a retail sales tax. [As does the VAT.]

Actually, Sumerlin and Lindsey's VAT and the Fair Tax have much in common, but the differences are critical.

Both proposals replace the current Internal Revenue Code

*Both are revenue neutral

*Both tax final consumption only once

*They have the exact same tax base, if they both have no exemptions

*Business to business purchases are not taxed

*The full amount of the tax is paid by the consumer

*Both improve US international competitiveness, as neither of them taxes exports, and are border-adjustable

How are they different?

The Fair Tax has a prebate, so that no individual pays taxes on their personal consumption up to the poverty level. This eliminates the perceived regressive nature of a consumption tax. The $100,000 personal exemption of their VAT serves a similar purpose, but everyone under their VAT will pay imbedded taxes that are even greater than they are today.

The Fair Tax collects the tax at the retail level, which is simple to understand and comply with. Only sellers of goods or services for final consumption (retail businesses) file monthly sales tax returns. This would reduce tax filers and compliance costs by about 90%.

The VAT, on the other hand, is collected from all businesses at every stage in the production process. Each business has to keep track of what taxes they paid on their purchase of inputs and subtract it from the tax they owe. This is called a credit-invoice system. It is complex record keeping and especially difficult for small businesses who don't have in-house tax experts.

The Fair Tax is transparent, the amount of the Fair Tax being clearly stated on the retail receipt. VAT retail receipts may state the rate of tax, but they generally do not state the actual amount of taxes paid. The visibility of the Fair Tax provides the natural restraint on the size and reach of government intended by our Founding Fathers.

European countries have tried to solve the perceived regressive nature of VAT taxes by creating all kinds of exemptions in attempts to make necessities tax-free. This opens the door for more and more exemptions, and vendors start gaming the system to qualify for the exemptions. These exemptions and gaming add to the already high cost of compliance under a VAT and encourage the buying and selling of tax favors, similar to today's corrupting trade in tax favors that occurs in the U.S. under our income tax system.

This combination of the Fair Tax Prebate (monthly payment to every legal household which offsets taxes paid on spending up to the poverty level, similar to today's personal exemption on our income tax return) and taxing ALL consumption at the same rate creates a consumption tax that treats everyone the same, is transparent, and is much simpler and much less costly to comply with. In addition, it eliminates the argument for exemptions, as all necessities are not taxed. That is the genius of the Prebate.

There is no evidence that the Fair Tax will encourage tax evasion via black markets or barter systems. In fact, the compliance rate for the Fair Tax, projected to be around 94%, is expected to be many times better than the 69% of the current tax system. Some of the reasons the Fair Tax will have a high compliance rate are:

• Major corporations account for over 90% of all retail sales today, with 3.6% of corporations collecting 87.5% of all sales taxes (I don't think I'll be able to convince the clerk at Walmart not to charge me the tax),

• Items most likely to be subject to barter are used goods, and used goods are not taxed by the Fair Tax,

• Under an income tax or a VAT it takes only one individual to cheat on a tax return, but under the Fair Tax both the seller and buyer must cheat (Would you like to go to jail for me?), and

• Because the Fair Tax reduces the number of collection points by over 90% (just retail businesses collect the tax) there will be considerably more audit capability by the government on those collection points.

With over $23 million in research on the Fair Tax, it is one of the most researched public policy issues in history. The many studies on its economic and social impact can be viewed at www.fairtax.org."

? Roger Buchholtz

I understand the philosophy behind the Fair Tax. Part of it is to get rid of the income tax and all the inequities that are built into the current tax code. And I like the fact that it is a consumption tax. Truth be told, if this is what came to the floor of Congress, I would be for it, over simply tinkering with the current system.

And with a VAT, one could use a "prebate" type of structure as well, to deal with the regressive nature of a consumption tax, or exempt food or other items, as many countries do with a VAT. What I wrote last week was not meant to be a detailed analysis but more along the lines of a general proposal. The current system is broken. Rather than trying to "fix" it, let's use the coming need for reform to truly restructure the Tax Code.

What About Those Who Will Not Vote for Any Tax?

The next response comes from Stanley Harrison:

John, How can we accept your current plan or any similar (Simpson/Boles) plan that requires compromise to implement when large numbers of Republican congressmen have pledged to vote 'no' to any tax increase? They will not compromise, yet the founders of this republic had to compromise. Are you going to campaign against them?

The short answer is yes. Not dealing with the deficit will cause so much economic pain that it is hard to get people to imagine it. That has to take priority over not raising taxes. It is not a matter, at least for me, of what is desirable, but of what is necessary. I would prefer a smaller government, lower taxes, etc. But unless Republicans manage to install far more members of Congress than seems likely today, that's not going to happen. Waiting until there is a train wreck to fix the track is not sound public policy.

What Should Seniors Do?

Bill Daugherty wrote:

One very large obstacle to the idea of VAT replacing income taxes would seem to be the seniors lobby. 'What? I paid taxes on my income all my earning life, and now you want to change to tax me on my spending life as well?' Getting from Here to There will always be a problem. No solution can be beneficial to all age and earning cohorts.

And David Oldham answered:

I think a VAT with exports exemption is a good idea. The point made in comments here about VAT hitting retired folk already hit by low savings returns is valid (I am in that category myself), but one has to ask the question, what do we older generations deserve for being instrumental or oblivious to creating such a mess for our kids and grandkids? We will all have to suffer the ultimate consequences.

David makes a very solid point. Borrowing from our children, which they must pay in the future, to enjoy our benefits today is not right, any way you look at it. And with a prebate, that should take much of the argument away.

Why Shouldn't Everyone Pay Something?

But that leads us to this note from Robert Dumper:
John, do you really mean 'If you make less than $100,000 you pay nothing'? I believe that one of the worst things you can do is to allow some people to pay no taxes at all.

Paying no taxes just leads people to believe that all the government provides is free. They have no incentive to limit what the government spends. Their incentive is to just take all they can. I believe that people earning less than $100,000 would make up over half the electorate. You can imagine what kind of political force they would represent. They would have no investment in the system. I think this would be a recipe for financial disaster. I guess the Bad News is that almost half our current electorate pay no income taxes today, and look what that has done for us.

Others wrote with similar concerns. A tax on only those making over $100,000 creates a large majority of people who would pay no taxes at all. I would reply that they would be paying a VAT. Under a consumption tax, everyone pays (although with a rebate/check for the lowest incomes, as I suggested).

Others argued that it will reduce consumer spending as it raises prices. I can understand the concern, but I think that misses the insidious nature of all the hidden costs on what we buy. Getting rid of those would offset much if not all of the rise in costs. And not paying Social Security and other taxes would increase income, to also offset the rise in costs.

Actually, Robert, it is closer to almost half of the country than you might think. The graph below from the Heritage Foundation came my way today (courtesy of Bill King, from a paper in England!). As of 2009, 49.5% of the population is not represented on a taxable return.

And this leads into Mira Awad's comment:

I like the idea of a progressive flat tax, similar to what some Republicans were proposing in the 1990s but without an exception for capital gains. Each household would get a large deduction for each person. They would pay 20-25% tax on the remainder of their income. (The rate would be set between 20% and 25% depending on how much money is needed, so I'm not sure of the rate.) No exemptions for anything else. It gets rid of that infernal mortgage tax credit that has jacked up the housing prices. It does so without making it impossible for families to pay their mortgages, because most middle class families will not be paying income tax (upper middle class will be).

? The Republicans should like it, because it puts a cap on taxes for the rich at somewhere between 20% and 25%. Democrats should like it, because it taxes income and capital gains at the same rate, partly repeals the Bush cuts in capital gains tax, and puts a floor on taxes for the rich. It also provides tax relief to the working class. Yes, someone would be paying more: upper middle class people who have big mortgage deductions now and the well-to-do who are paying less than 20% now.

This cures the basic unfairness in the American tax system, where 2 households of the same size and same income living next to one another in houses of the same value are sometimes paying wildly different portions of their incomes in tax, depending upon the source of their incomes and whether or not they have a mortgage tax break. One family can be paying 30% and another 10% while living under the same circumstances. Ridiculous. It solves the problem of Warren Buffett and his secretary. Perhaps Buffet is paying too little taxes, but no one has mentioned that the secretary's 30% tax rate is too high. (I don't know much about corporate tax structure, but it looks to me like the same flat rate could be applied to corporate income and capital gains.)

It is worse than you think, Mira. There are ways to defer large amounts of current income taxes using various strategies of taking current deductions and realizing the income over a longer period, if you pay enough taxes to make it worth doing so and know the right places to find that deferral. You can't avoid eventually paying the tax, but you can defer it for a longer time. And if you are paying a lot in taxes, it can make financial sense. And there are ways for those who own certain types of small businesses to shelter much more income than the traditional IRA or 401k.

One small example from my own past. If you are a publishing company for a magazine or newsletter, you can write off the costs of selling a subscription immediately but only have to recognize the income over the life of the subscription. The current subscription income (even if it is all up-front) goes on your books as deferred income, which, if you ever look at the actual accounting statements of publishing companies, can reveal a great deal about the real health of the business. Which is why there are large mail campaigns in the last quarter of the year, as it helps on current taxes. Eventually you have to pay, and woe betide the publishing company that sees its subscription base fall too fast, as taxes then come due with no income to pay them. But when you are growing? It can really affect your current taxes due.

If and when we clean up the tax code, there are a lot of things that need fixing. There will be a great deal of crying and gnashing of teeth by all sorts of industries, but no business should rely upon the tax code for its existence.

Comeback, America

My friend David Walker was the Comptroller General of the United States and head of the Government Accountability Office (GAO) from 1998 to 2008. He now tours the country talking about the need for fiscal responsibility. He heads a group called Comeback America.

David points out that if you simply eliminated all the "tax expenditures" (tax deductions), taxes would go up $1.3 trillion a year. If you combined that with serious entitlement reform, a much lower tax rate (the lows 20s as the top rate), and did $3 in spending cuts for every $1 in tax increases, you could balance the budget for the foreseeable future. His website lists numerous tax and budget proposals, besides his own. He points out the necessity (and I wholeheartedly agree) to have bipartisan cooperation to avoid a fiscal disaster. He demonstrates that we have $75 trillion in unfunded liabilities in Medicare, Social Security, and pensions.

Actually, the number $75 trillion is not all that interesting to me, for the simple reason that we can't pay it. It will never happen. Far more interesting is the question, when will we realize we can't pay it and what will we do? Or maybe, what will we do when the bond market decides we can't pay it and begins to ratchet up interest rates? Unless we begin to get control of the deficit, we could face a very bleak future.

There are ways to get serious entitlement reform. The very conservative Congressman Paul Ryan and the quite liberal Senator Ron Wyden have combined to come up with a plan for reforming Medicare that goes a long way toward what is needed. And it has upset a lot of people serving in Congress with them. But such compromise and cooperation is precisely what must happen if we are to avoid a true crisis. Whether you agree with every small detail in their proposal, you should applaud their willingness to seek bipartisan solutions.

I get rather strong letters from my conservative friends chiding me for not "keeping the faith." What we need, I am told, is smaller government and less spending. But when I press them as to whether the path we are on will result in crisis, they almost always agree that if nothing is done we will see a severe crisis. So my next question is, do they think we should hold the philosophical line, or allow the country to fall into economic chaos?

I have spent much of my life holding that line. But my analysis is that without a deficit solution we will enter another depression that will take years to come out of. And waiting until one party or the other has total control of Congress and the White House is not the answer. We are getting to the Endgame. Time is running out. We have a few precious years to set the ship of state back on a better course. I would rather keep the ship from sinking than argue about what should be on the menu at dinner. We can worry about that when the leaks in the boat are fixed.

And for those who asked, I still think we will do the right thing. Cutting spending will have consequences. We should do it slowly (over 4-5 years), and that will mean a Muddle Through Economy with more risks of recession. I talk of dire consequences only if we fail to fix the deficit. I think the former outcome is more likely. If you don't share my optimism, then you should plan for a depression. And if we get to the end of 2013 and it is clear that no compromise is forthcoming, I will probably get much more concerned. Maybe even become downright gloomy. Just saying.

(And just for the record, the VAT as I outlined it, or a Fair Tax, or Walker's solutions would have me paying somewhat higher taxes, not lower.)

There are more comments, and you can go to my site and click on last week's letter to read them. But this letter is already getting long and it is time to hit the send button. And move on.

California, New York, Orlando, Conferences, and Webinars

First, let me invite you to join me on Wednesday, March 7 at 3:00 pm Eastern / 12:00 pm Pacific for an exclusive webinar conversation with one of the greats of the investment world, Israel "Izzy" Englander of Millennium Management, sponsored by my partners at Altegris Investments. We will discuss the current environment and how Millennium seeks to find opportunities within it. Izzy is an absolute legend of the hedge fund industry, managing over $12 billion with over 800 people on staff, using practically every strategy available. It is very rare to get Izzy into a session like this, and we will be in for a treat. Sadly, the regulations are such that you must have a net worth of $5 million. (I hate those rules. But we must follow them. We will soon be having webinars open to all!)

You can register for the webinar by going to my site and clicking on The Mauldin Circle. My friends from Altegris will make sure you get an invitation. (In this regard I am president and a registered representative of Millennium Wave Securities, LLC, member FINRA.)
I make a quick trip to San Diego on Thursday and then drive to Orange Country for dinner with my long-time friend Jon Sundt, the president of Altegris, who is there for a conference. We just don't get enough face time anymore, so when we can get to the same area, I like to take advantage of it.

Then back to Texas the next morning to write my letter, catch up, and then fly to New York for yet another quick trip. Orlando the following weekend, speaking at a conference with my coauthor of Endgame, the young and brilliant Jonathan Tepper.

I leave you with this link to just-some fun writing from my favorite muscle-head, former Mr. Universe, the Blond Bomber himself, Dave Draper. Dave writes a column every week, and I try to read it. It inspires me to get into the gym. And this week I really need it, because I have been slack since I tore my rotator cuff a few months ago and kind of used it as an excuse to avoid the gym and "let it heal." Can't do that. Dave got me all fired up again. I will get out my Bomber Blend, the best-tasting protein shake powder I have ever come across (I love the chocolate with a banana) and get back to Brother Iron, although with a little more restraint. As my doctor noted, I am not 50 anymore! Enjoy this here.

Time to hit the send button. It is not too late, so I will get to bed more or less on time for a Friday night/Saturday morning and then get up and go to the gym. Have a great week!

Editor's Note: This content was taken from John Mauldin's weekly E-Letter, Thoughts From the Front Line. See more at John's home page.

This entry was posted on Monday, February 27th, 2012 at 7:30 am and is filed under MV News. You can follow any responses to this entry through the RSS 2.0 feed. Both comments and pings are currently closed.

Source: http://m.minyanville.com/mv-news/2012/02/27/zeroing-in-on-the-fair-tax-concept-what-you-need-to-know/

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India vs Australia: Spirit of Cricket debate rises again

Sydney:?The spirit of cricket debate was reignited once again at the ongoing ODI tri-series and it was India at the centre of it all yet again.

Scorecard

The action unfolded in the 24th over of the crucial India-Australia CB series match which Mahendra Singh Dhoni's men have to win to stay afloat in the series.

At 119 for four, Australia were rather precariously poised when wicketkeeper-batsman Matthew Wade took off for a single off R Ashwin's final delivery of the over.

Non-striker David Hussey answered his partner's call but as he was completing the run, the Aussie put his right hand out to stop the ball from hitting him.

India skipper Dhoni appealed for an obstructing the field dismissal allowed under the ICC rules.

On-field umpires Billy Bowden and Simon Taufel referred the matter to third umpire Simon Fry, who decided in favour of the batsman by concluding that he was merely trying to avoid getting hit rather than saving the stumps.

Dhoni was not quite happy with the decision and had an animated chat with the umpires for quite some time.

India were earlier also at the centre of another run out drama in a previous match when Sri Lankan Lahiru Thirimanne's stumps were removed by Ashwin at the non-striker's end as the batsman had been backing up far too much despite repeated warnings.

In that instance, India's stand-in skipper Virender Sehwag had decided to withdraw the appeal as he felt it was against the spirit of the game.

Source: http://feedproxy.google.com/~r/NdtvNews-TopStories/~3/nb0f-EsyUW4/story01.htm

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'Idol' unveils Top 24 with a twist (AP)

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AP - It's good news for 25 — not just 24 — singers on "American Idol."

Source: http://us.rd.yahoo.com/dailynews/rss/tv/*http%3A//news.yahoo.com/s/ap/20120224/ap_en_tv/us_tv_american_idol

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Nyan Cat Game: Play And Get Addicted | Articles Bright

Nyan cat game which is also called the pop tart cat game is an 8-bit animated games which features a cat with the body of a cherry pop tart leaving a rainbow trail behind as it moves. This game has its roots on a very popular animated gif.The humour and the theme behind the nyan cat game has attracted a lot of attention from people on you-tube and on line are communities.

It was received on April 2011 with a mainstream coverage. The animation of the pop tart cat was first posted on line by Chris Torres alias Prguitarman on the LOL-COMICS, a daily comics site run by him, on April 2011. A you-tuber named Sarajoon on 5th April 2011 posted a video entitled nyan cat which had the pop tart cat of Chris Torres video with a Japanese song playing at the background called Nyanyanyanyanyanya by Daniwall-P, a Japanese artist. The video had gained more than a million views within the first two weeks of its release. Many of the popular social networks also pick up the video.

Hence, because of its popularity, there has been many games developers who have created nyan cat games loke Nyan Cat Sushi Fighter, Scratch Nyan Cat the Game, Nyan Cat 3D Hyperspace Adventures, Tac Nyan Game-Demolition Nyan, Nyan Cat Lost in Space, Original Non- Stop Nyan Cat, Nyan Cat Meteor Flight, Nyanon-Nyan Evolution Game and Nyan Cat Match Game.

They also have Snake Nyan Cat, Nyanicorn, Nyan Cat Fly, Eat and Grow Nyan Cat Fever Game, Nyan Cat Shooting Game etc. Nyan cat game can also be played in the NES or the Nintendo Entertainment System.

Although the nyan cat game is a simple game, it is very amazing to play. In the nyan cat game, the nyan cat flies in space eating all the candy and ice cream on its path avoiding all the green vegetables. All you need to do for this is to use the arrow keys to move the nyan cat down or up. People of every age can play this game and it is fun to play.

Learn more about Nyancat. Stop by Robert Hade?s site where you can find out all about Nyan Cat and what it can do for you.

Source: http://articlesbright.com/arts-entertainment/nyan-cat-game-play-and-get-addicted

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What eurocrisis? Hamburg to build $500 million concert hall

Hamburg, Germany aims to build one of the acoustically best concert halls in the world, admist one of Europe's worst economic crises in recent history.

? A local, slice-of-life story from a Monitor correspondent.

Skip to next paragraph

?Christian Becker calls the project ?insane? at a time when libraries are cutting hours and kindergarten prices are up. But Hans Christian Riekhof sees it as ?an investment in the future? that will draw tourists and boost the local economy.

What?s dividing the two Hamburg residents ? and this city on the Elbe River ? is a controversial cultural behemoth. Plans for the Elbe Philharmonic Hall, or ?Elbphilharmonie,? envision a concert hall built on top of a former warehouse on the harbor that could seat 2,150 people in ?acoustically one of the best concert halls in the world,? according to acoustic designer Yasuhisa Toyota, who refurbished the Sydney Opera House in Australia.

City officials see it as a new world landmark that could make Hamburg almost as famous as Paris and New York City. When finished, the 667,000 square-foot glass structure will rise 360 feet above the Elbe River, its 26 floors curling into a series of waves reflecting the sky, water, and city.

?There is something playful, almost crazy about what we are doing,? said Karl Olaf Petters, a spokesman for the project. ?It is not necessary, but by the same token, neither was Beethoven?s Ninth Symphony.?

Part of an ambitious revitalization of the Hamburg Harbor, the concert hall was to be paid for through mostly private money. Now, huge delays and cost overruns have dampened the city?s dreams of grandeur. The hall, it turns out, will cost up to five times its original estimate of $100 million, and the city?s share of the cost has more than quadrupled. The concert hall was slated to open in 2012; now it won?t open until 2015 at the earliest.

?If we were in Paris or in New York that would be fine, but not in such a small town as Hamburg,? complained Mr. Becker, soaking up the sun on the piers of the Elbe River with the half-constructed Elbe Philharmonic Hall shimmering in the distance.

Even so, every Sunday, visitors wearing yellow construction hats are touring the construction site.

Source: http://rss.csmonitor.com/~r/csmonitor/globalnews/~3/vxrCgGpXTkE/What-eurocrisis-Hamburg-to-build-500-million-concert-hall

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The Benefits Of Drinking Organic Coffee | internet article marketing ...

More and more people are turning their attention to living their lives in a more responsible way. They have begun a recycling plan and are working hard to conserve energy. They are also being more earth friendly in their food and drink choices. One simple way that has been discovered to be more earth friendly is to switch to using organic coffee. When someone chooses the coffee that is made from organic coffee beans, they are making a very earth friendly decision. The benefits that come with drinking coffee that is organic are many. To begin with, the traditional coffee is more harmful than this coffee. To keep the bugs off of the traditional coffee beans, pesticides are sprayed on the plants. There are still pesticides on the coffee beans that are ground up when the traditional coffee is packaged. Even the small doses of these pesticides can lead to a number of severe health issues.

You will not only be helping your body to be healthy when you choose the organic types of coffee but you will also be doing your part to help the environment. When someone grows organic type coffee, they must adhere to the guidelines that are in place. The government regulates the growers of these crops to ensure that they are following each one without skipping any steps.

One of the regulations that are place on organic coffee growers is that the beans must be planted and grown under the shade of trees. The plants should not be exposed to full sunlight. The beans will have just the right amount of nourishment from the sun when the small beams flow through the branches of the trees. This practice allows the beans to grow at a slower rate which makes them taste much richer.

Organic coffee beans cannot have the harmful pesticides and chemicals on them. In order to allow the beans to grow to their full maturity, all natural fertilizers and composts are used. When you drink your coffee you will now be rid of the harmful chemicals. The earth will not be filled with these chemicals either.

These coffee beans will be planted in soil that has been completely free from chemicals for a specific number of years. When crops treated with chemicals were grown on a particular piece of land, that land cannot be used to grow organic foods. There are tests completed on the land before any planting is done to make sure the guidelines are adhered to.

These regulations do add some time to the growing time for these plants. There are also more manual processes involved in growing these plants. The price of the organic coffee is raised some due to these things. While the difference is not really that great, it is still more costly than traditional coffee. The benefits to your health and the environment are well worth the small difference in price.

Traditional coffee flavors can also be found in the organic brands when you look for them in your grocery store. There may even be some on the shelf that you could not get in a traditional coffee. The all natural ingredients that are used to create these wonderful tastes are all organic as well.

If you were to spend a little time looking online you would also find that you can find some really great types of coffee that are organic and that taste amazing. You will not need to look in your grocery store for these coffees as they will be delivered right to your door step.

Tags: Beams, Chemi, Coffee Growers, Composts, Crops, Food And Drink, Ground Coffee, Harmful Chemicals, Harmful Pesticides, Health Issues, Maturity, Natural Fertilizers, Nourishment, Organic Coffee Beans, Organic Type, Recycling, Sunlight, Traditional Coffee, Trees Plants, Types Of Coffee

Source: http://www.askyourmuse.com/the-benefits-of-drinking-organic-coffee/

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Self Improvement for Business ? Finding the Desire to Work Hard ...

If you analyze it, you will see that using self improvement to create a more successful business is a smart decision. You will notice a clear trend when you read about the various successful entrepreneurs and business executives in the corporate world. They will do all they can to enhance their mental, emotional and psychological performance.

It is not by accident, but by design that they have become high performers. You can do the same, and we encourage you to do it. Remember that this can be an involved process. This has the potential to be a life long discovery for you.

Do you notice when you watch the news in the evening that misery and bad news sells like hot cakes. The producers know what sells and what does not. Pay attention to what you hear from those around you and decide if it is more positive or negative. A positive outlook and frame of mind is needed when attempting to build a business. Success will not happen if you are consistently negative about everything you are doing. Do a little soul searching and figure out where you are. While it isn?t hard to change ones outlook, it does require some work and attention. Your business will benefit greatly by doing this. One very difficult aspect of learning to be successful in business is understanding how you feel about your decisions. Most people are on their own in online marketing, and it can be daunting to make your decisions. So learn to trust what you do and the decisions you make every day. When it does happen that you make a wrong decision, learn to accept it and move on. You will handle it, even if it means you have to start all over again. Gains in confidence will happen over time as your comfort level rises.

It can be very difficult keep ourselves focused on the positive. Having a negative outlook is a learned behavior. Do you think that children are naturally negative? Living in their small worlds, they are naturally happy beings. While we learn to be negative in a number ways, it isn?t that important. The importance lies in being aware of what you are think at all times. If negative thinking seems to be predominate for you, it is now time to change that. You can always find a corresponding positive for every negative thought. It is just a matter of how you view it which is also a learned behavior. The important thing to keep in mind is that your knowledge plus action on what you learn about jasa seo has great potential. What you do with this information is totally up to you, but we hope that it does not just gather dust in your head.

It seems so many people have a sincere desire to do something, but they fall in the trap of just sitting there and wishing. As you well know, even though overcoming inaction can be tough at first, once you just get started will make all the difference.

Half the battle with anything is making decisions and following through with them. Let?s see what else there is to know about this topic. Self improvement can assume many forms both in personal and business life. It is the realm of your mind and all that makes you tick and behave the way you do. The key to success is simply knowing that you will succeed by following your plan of action.

The feedback about this is typically along the lines of surprise reactions when people read about jasa seo, here. So if it suits your fancy, or need, then you are at your leisure to delve into it and know all about it.

As we always say, it is usually the little things that can turn out to be the most important. But do not feel shy about exploring anything that you feel may shed more light on this. What needs to be done, then, is well known and you will run with it.

Then it is up to you as to move forward with a linear consideration to the topic, or in any other direction.

Source: http://www.madeinjapan.us/self-improvement-for-business-finding-the-desire-to-work-hard/

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Farmyard antibiotics linked to superbugs

Dosing livestock with antibiotics can be bad for farmers' health. A strain of MRSA that causes skin infections and sepsis in farm workers evolved its resistance to antibiotics inside farm animals.

The ST398 strain of MRSA first appeared in 2003 and is prevalent in US livestock. Humans who pick it up from animals can become dangerously ill, but it cannot yet spread from human to human.

A team led by Paul Keim of the Translational Genomics Research Institute in Phoenix, Arizona, sequenced the genomes of 88 closely related strains of Staphylococcus aureus, the bug that can become MRSA. Their findings suggest that ST398 was originally a harmless strain living in humans, which migrated into livestock where it acquired antibiotic resistance.

For some time microbiologists have been concerned that giving large amounts of antibiotics to livestock can promote antibiotic resistance. Keim's study provides a powerful example, says Ross Fitzgerald of the University of Edinburgh, UK.

Earlier this year the US Food and Drug Administration announced new restrictions on using preventive antibiotics in livestock, but the rules cover a small subset of drugs constituting just 0.2 per cent of antibiotics used on farms. As a result they are not expected to do much good.

Journal reference: mBio, in press

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Source: http://feeds.newscientist.com/c/749/f/10897/s/1cd77211/l/0L0Snewscientist0N0Carticle0Cdn2150A30Efarmyard0Eantibiotics0Elinked0Eto0Esuperbugs0Bhtml0DDCMP0FOTC0Erss0Gnsref0Fonline0Enews/story01.htm

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LG Optimus 3D Cube coming to SK Telecom in early March

LG today announced the Optimus 3D Cube, brining the "next-generation 3D" exclusively to Korean carrier SK Telecom. The phone sports a 4.3-inch IPS LCD display with dual 5-megapixel cameras on the back to handle the 3D action, and a .3MP shooter up front. It's running Android 2.3 Gingerbread powered by a 1.2GHz dual-core processor and a 1520 mAh battery.

The Optimus 3D cube has on-board 3D editing -- a first -- and it comes with NFC tags so you can set up your own profiles just by tapping the phone.

Source: LG Korea (translated)

Source: http://feedproxy.google.com/~r/androidcentral/~3/tJPB_8I4lkE/story01.htm

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300-million-year-old forest discovered preserved in volanic ash

ScienceDaily (Feb. 20, 2012) ? Pompeii-like, a 300-million-year-old tropical forest was preserved in ash when a volcano erupted in what is today northern China. A new study by University of Pennsylvania paleobotanist Hermann Pfefferkorn and colleagues presents a reconstruction of this fossilized forest, lending insight into the ecology and climate of its time.

Pfefferkorn, a professor in Penn's Department of Earth and Environmental Science, collaborated on the work with three Chinese colleagues: Jun Wang of the Chinese Academy of Sciences, Yi Zhang of Shenyang Normal University and Zhuo Feng of Yunnan University.

Their paper was published this week in the Early Edition of the Proceedings of the National Academy of Sciences.

The study site, located near Wuda, China, is unique as it gives a snapshot of a moment in time. Because volcanic ash covered a large expanse of forest in the course of only a few days, the plants were preserved as they fell, in many cases in the exact locations where they grew.

"It's marvelously preserved," Pfefferkorn said. "We can stand there and find a branch with the leaves attached, and then we find the next branch and the next branch and the next branch. And then we find the stump from the same tree. That's really exciting."

The researchers also found some smaller trees with leaves, branches, trunk and cones intact, preserved in their entirety.

Due to nearby coal-mining activities unearthing large tracts of rock, the size of the researchers' study plots is also unusual. They were able to examine a total of 1,000 m² of the ash layer in three different sites located near one another, an area considered large enough to meaningfully characterize the local paleoecology.

The fact that the coal beds exist is a legacy of the ancient forests, which were peat-depositing tropical forests. The peat beds, pressurized over time, transformed into the coal deposits.

The scientists were able to date the ash layer to approximately 298 million years ago. That falls at the beginning of a geologic period called the Permian, during which Earth's continental plates were still moving toward each other to form the supercontinent Pangea. North America and Europe were fused together, and China existed as two smaller continents. All overlapped the equator and thus had tropical climates.

At that time, Earth's climate was comparable to what it is today, making it of interest to researchers like Pfefferkorn who look at ancient climate patterns to help understand contemporary climate variations.

In each of the three study sites, Pfefferkorn and collaborators counted and mapped the fossilized plants they encountered.In all, they identified six groups of trees. Tree ferns formed a lower canopy while much taller trees -- Sigillaria and Cordaites -- soared to 80 feet above the ground. The researchers also found nearly complete specimens of a group of trees called Noeggerathiales. These extinct spore-bearing trees, relatives of ferns, had been identified from sites in North America and Europe but appeared to be much more common in these Asian sites.

They also observed that the three sites were somewhat different from one another in plant composition. In one site, for example, Noeggerathiales were fairly uncommon, while they made up the dominant plant type in another site. The researchers worked with painter Ren Yugao to depict accurate reconstructions of all three sites.

"This is now the baseline," Pfefferkorn said. "Any other finds, which are normally much less complete, have to be evaluated based on what we determined here."

The findings are indeed "firsts" on many counts.

"This is the first such forest reconstruction in Asia for any time interval, it's the first of a peat forest for this time interval and it's the first with Noeggerathiales as a dominant group," Pfefferkorn said.

Because the site captures just one moment in Earth's history, Pfefferkorn noted that it alone cannot explain how climate changes affected life on Earth. But it helps provide valuable context.

"It's like Pompeii: Pompeii gives us deep insight into Roman culture, but it doesn't say anything about Roman history in and of itself," Pfefferkorn said. "But on the other hand, it elucidates the time before and the time after. This finding is similar. It's a time capsule and therefore it allows us now to interpret what happened before or after much better."

The study was supported by the Chinese Academy of Science, the National Basic Research Program of China, the National Natural Science Foundation of China and the University of Pennsylvania.

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The above story is reprinted from materials provided by University of Pennsylvania.

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

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Journal Reference:

1. Jun Wang, Hermann W. Pfefferkorn, Yi Zhang, Zhuo Feng. Permian vegetational Pompeii from Inner Mongolia and its implications for landscape paleoecology and paleobiogeography of Cathaysia. Proceedings of the National Academy of Sciences, 2012; DOI: 10.1073/pnas.1115076109

Note: If no author is given, the source is cited instead.

Disclaimer: Views expressed in this article do not necessarily reflect those of ScienceDaily or its staff.

Source: http://www.sciencedaily.com/releases/2012/02/120220161307.htm

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Q & A: What do you suggest readings about why income tax was ...

Question by caltam84 : What do you suggest readings about why income tax was Introduced ?
So many of our founding fathers strongly oppose income tax.Federal income tax and other income taxes was not Introduced until the mid to late 1800?s and in 1913. This is after all our founding fathers are gone or dead.Any readings you recommend to find out why income tax was introduced? Best answer:
Answer by Charli

??
it had to do with paying for the war. it was never ment to be forever.The 16th amendment was never ratified by the states .. itis 0 and void. but they have the guns, so we keep paying.

Add your own answer in the comments!

Source: http://www.lovefinanceinfo.com/2012/02/q-a-what-do-you-suggest-readings-about-why-income-tax-was-introduced/?utm_source=rss&utm_medium=rss&utm_campaign=q-a-what-do-you-suggest-readings-about-why-income-tax-was-introduced

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Small Businesses 'Not A Big Source Of Job Creation,' Say Economists

NEW YORK -- Mitt Romney says they're "job creators" and vows to come to their aid as president. Newt Gingrich visited them on his "jobs and growth" bus tour. President Barack Obama calls them "the engine of our economy."

If there's one thing Republicans and Democrats agree on, it's that small business is the answer to what ails the economy. On these tiny bundles of entrepreneurial energy, they say, rides the nation's hope for lower unemployment and faster economic growth.

But the work of several economists suggests that most small businesses are not particularly adept at creating jobs, at least not the best jobs. The work also suggests their role in generating national wealth has been exaggerated.

The problem is that not all small businesses are created equal. Businesses just getting off the ground contribute most of the country's job growth, but older small businesses cut as many as they add.

Think Bill Gates and Paul Allen huddled together late nights developing Microsoft, not the corner liquor store.

"I don't want to pick on dry cleaners and restaurants and small manufacturing firms, but they're not a big source of job creation," says John Haltiwanger, an economist at the University of Maryland.

Politicians like to say that small companies create two of every three jobs in a given year. That's less impressive when you consider that almost all the 6 million companies in the U.S. ? 99.9 percent of them ? are small businesses, with fewer than 500 workers.

What's more, two-out-of-three masks the fact that most small businesses eliminate more jobs than they create in a given year, either through layoffs, closings or bankruptcy.

And many of the rest, the ones that don't shrink or shut down, don't offer much hope for the millions of Americans looking for jobs.

Many small companies ? outfits like florists, hardware stores and barbershops ? tend to grow with the U.S. population, not faster. So they don't speed the economic recovery the way an exploding new industry might.

According to an August study by two University of Chicago economists, most small business owners just want to be their own boss and never expect to hire more than a few employees.

In fact, the more you study the numbers, the more you wonder what the politicians are getting so excited about.

Haltiwanger and two other economists showed, in a study of millions of companies over 30 years, that small businesses no more than five years old ? that's about 40 percent of them ? are the only ones that create more jobs each year than they cut.

In 2005, for instance, more than 99 percent of the 2.5 million net new private-sector jobs in the United States came from these startups, according to the U.S. Census Bureau.

But the 60 percent of small businesses that have been around more than five years act as a slight drag on the number of jobs available in the United States. They have cut about 0.5 percent more staff than they have added in a typical year, according to Haltiwanger.

By contrast, big businesses, the ones that get all the headlines for layoffs, have hired more than they have cut ? about 0.1 percent in a typical year.

Economist Charles Kenny of the New America Foundation, a nonpartisan research group, goes as far as suggesting that Washington should stop offering certain incentives to small business owners, such as loan guarantees and write-offs on taxes for home offices. He says the money would be better spent subsidizing research and development.

"If you want jobs, you have to focus on the innovative firms trying to provide something new and different," he says.

The country's unemployment rate is 8.3 percent, the lowest in three years. But the U.S. still has 5.6 million fewer jobs than before the recession. Assuming the pace of hiring from last year continues, it will take three years to recover all the lost jobs.

Small businesses aren't helping much. They cut more workers than they hired in all but three months last year, and contributed zero to job gains again in January, according to a survey by the National Federal of Independent Business.

To change that record, Republicans say Obama needs to cut federal rules and paperwork that are burdensome for small businesses that don't have human resource departments, legal staff and vast resources like big businesses.

To comply with federal regulations on the environment, for instance, companies with fewer than 20 workers spent $4,101 per worker in 2008, or 4 1/2 times more than companies employing 500 or more, according to the Small Business Administration.

The same study showed these businesses spent three times more per worker on tax preparation than did their larger counterparts.

"As regulatory complexity increases, it's hard on small firms," says William Dunkelberg, chief economist at the National Federation of Independent Business, a group closely allied with Republicans. "We need to get government out of the way."

But many economists think the root of the job problem is deeper.

Again, it's the difference between old small businesses and new small ones, and the U.S. is not creating enough of the new ones.

It was true even before the Great Recession: The number of startups less than a year old was no higher in the boom year of 2006 than it was 30 years ago, when the economy was much smaller, according to the Census Bureau. And the ones that are launching are hiring fewer people, too.

The grim takeaway is that the U.S. could struggle with high unemployment long after a pickup in economic growth.

Even the idea that small businesses play an outsized role in the economy has come under attack lately.

A study from the left-leaning Center for Economic and Policy Research shows that the self-employed worker, that rugged exemplar of the small businessperson, accounted for less of the working population in the U.S. than in the other 20 rich countries tracked, except for Luxembourg.

Another study by economists at Harvard and Dartmouth suggests that might not be such a bad thing because poorer countries are more likely to have a higher share of their workers self-employed.

Adding fuel to the argument, Kelly Edmiston, an economist at the Federal Reserve Bank of Kansas City, showed that workers at small businesses are more likely to lose their jobs and less likely to have vacation days, retirement plans and a range of other benefits, including health care. Some 41 percent of companies employing less than 100 people offered no medical insurance at all.

So, myths about job creation aside, why isn't the U.S. launching more startups? The risky economy, regulations or health care costs ? a bigger burden for small companies ? could be scaring them off.

Haltiwanger thinks demographics may be at work. He says businesses are often started by people in their 30s and 40s. So as the population ages and more baby boomers retire, the number of startups falls.

"We're a roll-the-dice economy. It has a lot of spillover effects," he says. "But we're not experimenting enough."

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Source: http://www.huffingtonpost.com/2012/02/20/small-businesses-jobs_n_1288303.html

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Renaissance, Russian themes hit London catwalks (Reuters)

[unable to retrieve full-text content]Reuters - Renaissance paintings, Russian themes and military cuts dominated the catwalk on the second day at London Fashion Week with evening gowns, fur hats and eclectic prints for the autumn/winter season.

Source: http://us.rd.yahoo.com/dailynews/rss/britain/*http%3A//news.yahoo.com/s/nm/20120219/lf_nm_life/us_fashion_britain_temperley

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No Complaints Outfitters Automotive - EvaluationKeating.biz

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Source: http://keating.biz/no-complaints-outfitters-automotive-evaluation/

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Idyllic Beach Resort ? US$3900000 - Asia Real Estate Property For ...

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At a Glance:

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Location:	Koh Phra Thong, Kuraburi District, THAILAND
Type:	Commercial/Resort Development
Land Area:	32 acres
Waterfront	4100 feet (1250m)
Villas	25 (Member-Owned) Under Management

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Highlights:

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32 acres of beachfront land 1,250 metres of beachfront Land values rising very fast On a tropical paradise island A #1 ranked resort business Strong environmental credentials Rising revenues and profitable

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Description:

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This?Idyllic Beach Resort?on?Koh Phra Thong?island in the?Andaman Sea?off?Thailand?s?west coast presents a unique commercial opportunity. For the first time in 22 years, the business encompassing ownership of 32 acres of land and over 4100? (1250m) of beachfront, plus the management of the?Golden Buddha Beach Resort,?is available For Sale.

The Company?s business is Resort Ownership and Management, Land and Property Leasing, carried out at Golden Buddha Beach Resort on Koh Phra Thong.

THE LAND

This is a magical place for investors as well as guests. Local land value has risen 500% in the past seven years. Titled beachfront land for sale on the island is a scarce resource and prices are set to escalate dramatically.

Described as the most stunning privately owned beachfront land anywhere north of Phuket, the Resort sits on a peninsula with two pristine beaches and a total of 1,250 metres of beachfront.

Half of the land, though owned by the Company, is leased to private Members who abide by land use and building regulations stipulated by the Company, while the other 16 acres is open for further expansion and development. This land currently serves as parkland and cultivated gardens, replete with mature trees, plants and a freshwater pond.

THE RESORT

The Resort is thriving, with steadily increasing revenues and healthy profits. Occupancy rate in January 2012 was 76%.

As well as being ranked the #1 hotel in the Thai holiday province of Phang Nga, Golden Buddha Beach Resort earned a Certificate of Excellence from Trip Advisor in May 2011 and is also rated an exceptional 90% on the hip travel site i-escape.

This full service eco-resort has minimum impact on the environment and makes a positive contribution towards local culture.

The focal point of the Resort is a two storey Clubhouse with restaurant, bar, shop and library. Other Company buildings included in the sale are a staff house for 27 people, a new four bedroom Managers? house, an office building and internet centre, kitchens, yoga sala, pagoda and a beachfront dive shop.

Accommodation is provided in 25 detached villas which are owned by Members and rented out to guests by the Company. Villas are constructed using locally sourced and renewable materials and each is set in its own 1,600 sq.m garden. Villas vary from simple one-bedroom beachfront houses to luxury forest canopied lodges and all are within 80 metres of the beach.

Most guests choose the Resort as a perfect place to just chill out. Other popular guest activities include Yoga, Scuba diving and Snorkeling, Kayaking, Jungle trekking, Mangrove tours, Local Safaris, Cultural tours, Golden Buddha Spa and Cooking classes.

THE ISLAND

Koh Phra Thong lies between its famous developed neighbours Phuket (60 miles to the south) and Koh Chang (50 miles to the north)

The island is an ecological paradise and the most attractive of a small archipelago of three islands, with the mountainous Koh Ra immediately to the north (covered with primary rainforest) and the flat, more developed Koh Kho Khao immediately to the south.

Remarkably, apart from one road and some dirt tracks, the Island is still undeveloped. There is still an opportunity for an investor to get in on the ground before mains electricity comes to the island next year and with it, higher land prices.

The east coast of the island is covered by estuaries and mangroves, the centre is mostly gorgeous savannah with spots of forest and occasional freshwater ponds, while the west coast features the spectacular 10km long Golden Buddha Beach which is the main attraction.

There are no more than 500 inhabitants on the whole island.

As the nesting site for 137 species of beautiful and colourful birds, the island is one of the best locations for bird watching in Thailand.

It is also a diver?s dream, the Resort being the closest point to the spectacular world top ten diving site Richelieu Rock (35 km) and the Surin Islands (60 km), both easily accessible by boat. Friendly Whale sharks, Dolphins and the rare Dudong (sea cow) swim offshore.

GETTING THERE

An excellent road (the Phuket Ranong highway) runs from Phuket airport to Kuraburi pier in a little over two hours, or from Ranong airport in one hour. The Resort is reached by long-tailed boat from the mainland Kuraburi pier in 90 mins.

More details are available from the property website plus?a full Sale Prospectus containing Company accounts and details of the Valuation is available to qualified buyers.

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Offered at:

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US$3,900,000

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For more information:

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Photographs:

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Source: http://www.asiarealestatepropertyforsale.com/idyllic-beach-resort

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trekking in india - Travel - EzineMark

Trekking in India is one of the mind blowing adventure sports. It is the best way to explore the unexplored terrain of Himalaya.
The trekking enthusiasts all over the world find the trekking routs of India quite fascinating and enthralling.
In fact trekking in India gives us opportunity to see the beauty of the lofty mountains, romance of the white water falls cascading down in delight.
The Himalaya is worldwide known for having some of the highest mountain peaks of the world. If offers a great awareness of lofty snow-clad mountains.
The Himalayan region of India is very popular among trekkers and adventure enthusiasts and provides them a wonderful opportunity to explore amazing beauty.
Tourists have a wonderful opportunity to climb some majestic peaks of Himalayas and relish some other mountain adventure activities including trekking,
hiking and camping.
Trekking is today one of the best way to explore the mountain beauty of great Himalayas in India.

Trekking in Himalayas also provide trekkers to observe
local culture and tradition of the region. Trekkers can see glaciers, explore gorgeous valleys, and see many tourist attractions including temples and Buddhist monasteries. Trekking Ladakh in Jammu & Kashmir provides trekkers a wonderful opportunity to see lofty snow-clad Himalayan mountain peaks, translucent lakes,
snow desert, beautiful valleys and small hamlets. Trekking in Ladakh is one of the most exciting experiences for adventure lovers. There are various high passes,
snow capped mountains peaks and rough terrain in Ladakh region offer unlimited possibilities of trekking activities. Trekking in this region is difficult but very exciting. On your trail in Ladakh, you can explore amazing natural sights of majestic Himalayan Mountains and life style of local people.
Trekking in Himachal Pradesh provide trekkers an opportunity to explore some natural blessed trekking trails, mountain beauty, snow-clad mountain peaks, and famous hill stations like Dalhousie, Shimla, Manali and Kullu. Darjeeling trek provides travellers opportunity to see majestic beauty of lofty mountains and see lush tea plantations. These all trekking destinations in India have all kinds of trekking trails such as easy trek, moderate trek and tough trek.
Himalayan foothills of Garhwal and Kumaon are ideal for trekking enthusiasts. The evergreen hills here are covered with dense forests of Deodar, Oak and Pine trees and have been blessed with flora, fauna and a number of bird species. These areas are also famous for Hindu pilgrimage tours. It attracts trekkers from around the world to quench their thirst of exploring nature in Himalayas. The hills and peaks are sprinkled in the region in a state of pleasant chaos to such an extent, that the orientation to this region is perhaps the most difficult to describe amongst all in the Indian Himalayas. Even the roads here form such a complicated web that hardly any hill station or village in the region is linked to just a single neighbour. It is indeed a web of high mountains where the Great Himalayan range is its backbone. The Garhwal and Kumaon Himalayas have always attracted a lot of attention. The region finds a significant mention in Hindu mythology and it is replete with temples. Sights of sadhus on glaciers are not uncommon.
North-eastern part of India is blessed with abundant beauty. The whole region is splashed with natural splendor. There are several trekking routes in north-east which bring complete contentment to the trekker in you. Trekking in north-east is, thus, pure pleasure. Trekking in north east involves an exhilarating and exciting voyage through the lush green carpets, colorful flowers, high hills, majestic mountains, burbling brooks and some steep slopes. There are plenty of trekking routes which are generously scattered throughout the north eastern region.
The experience of trekking tour in India would be very memorable and can be enjoyed for a lifetime. If you too are interested to dare with Himalayan mountain come and explore some of the fascinating trekking trails in the foothills of majestic Himalayas with Trek the Himalayas(www.trekthehimalayas.com ). Trek the Himalayas organise the entire trek in all over India and make you realise the beauty of nature.
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Source: http://travel.ezinemark.com/trekking-in-india-7d3412a7ff04.html

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Some Of The Many Ways To Improve Self Esteem-- Crafters ...

The people who have a low self esteem relay heavily on their day to day performances. The positive external experience and encouragements help them to battle the negative feelings that the y have about themselves. These negative feelings very often trouble the people with a low self esteem in some situations and cases these feelings torture them.

There are many known ways of improving the low self esteem. The following way is one of the easiest and the simplest way to battle low self esteem

The method is named as ?a few measures with a much better self esteem?.

The three major ways of improving self esteem are

1. Rebut the inner critic that keeps on using its mouth unnecessarily.

2. Exercise the art of self taking care of

3. Get the much needed help from other people who are close to you.

The initial and the key step to improves on your own esteem is always that to share with the inner speech to shut up.

Some of the common examples that you can implement in the process of improving your self esteem are as follows.

The inner voice might say. ?The viewers liked the project presented by me. But nobody seemed to notice the number of times I went wrong. There are many places where I have gone wrong in the project it was a flop?.

In a real predicament you have to compliments yourself.

The project presentation was good though I could have better the current status of the project was very good. It was a success.

Rebutting the inner tone of voice that keeps on demeaning you should be completed frequently.

However this step is not enough to develop your self esteem. The second step that you must initiate on your way to a healthy self esteem is that you should nurture yourself. The most important part of this step is start treating yourself as a person who is worth while. Low and poor self esteem is often the result of bad or a wrong treatment given to you in the past. Hence you must start regarding yourself as a worthwhile person. You must be able to challenge negative experiences in the past and you should start loving yourself. Try to change yourself and show to the outside world that you are valuable, competent, loveable and deserving person

One of the very efficient ways to improve your self confidence is to request assistance in your teachers, friends and mothers and fathers plus common to individuals who?re near to you.

Muna wa Wanjiru is an Internet Marketing Expert and Has Been Researching and Reporting on Self Esteem for Years. For More Information on Ways To Improve Self Esteemelf esteem. The seconWAYS TO IMPROVE SELF ESTEEM

Muna wa Wanjiru is an Internet Marketing Expert and Has Been Researching and Reporting on Self Esteem for Years. For More Information on Ways To Improve Self Esteem, Visit His Site at WAYS TO IMPROVE SELF ESTEEM

more information is shown, and just have a look at how to improve confidence

Source: http://craftersanonymous.net/blog/2012/02/17/some-of-the-many-ways-to-improve-self-esteem-2/

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World Bank's Zoellick to step down in June (Reuters)

WASHINGTON (Reuters) ? World Bank President Robert Zoellick said on Wednesday he will step down in June, raising questions as to whether the United States will for the first time throw open the job it has always claimed as its own.

"I'm honored to have led such a world class institution with so many talented and exceptional people," Zoellick said in a statement announcing his plans. Earlier, he had met with the World Bank's 25-member board to inform them of his decision.

Speculation has been rife in recent months over who might take the job when Zoellick departs. Possible U.S. candidates include Secretary of State Hillary Clinton and former White House economic adviser Larry Summers.

Zoellick, a Republican, would potentially be a strong candidate for a senior position if a Republican takes the White House in presidential elections in November.

While the Obama administration has said it supports an open and transparent selection process to fill lead positions in global institutions, it is unlikely to forfeit the top job at the World Bank in an election year, development experts said.

Emerging market and developing countries have campaigned hard in recent years to break Europe's grip on the International Monetary Fund and the United States's hold on the World Bank top positions.

Officials from large emerging economies like Brazil said on Wednesday the selection process for Zoellick's successor should be based on qualifications and not nationality. However, they acknowledged that given U.S. congressional pressure the job will probably remain in the hands of an American.

Last year, emerging market economies made an aggressive push to fill the IMF top job in a bitter contest won by France's Christine Lagarde.

"I do not know whether the president has spoken with Mr Zoellick and I don't have any information for you regarding possible successors," White House press secretary Jay Carney told reporters travelling with President Barack Obama on Air Force One.

"Asked specifically about Hillary Clinton or Larry Summers as possible candidates, Carney said, "There is a lot of speculation in the press about this and other jobs...I am not going to confirm any of it."

Nancy Birsdall, who heads the Center for Global Development in Washington, said on paper the United States is committed to opening up the selection process to all, but political pressure from U.S. congressional leaders will keep the job in U.S. hands.

"The election year timing puts the White House in an especially unenviable position. There is a risk that the World Bank could become a highly partisan, U.S. hot-button issue, as the UN has too often been," Birdsall wrote in a recent blog.

Development groups said it was time to open the job to other countries.

"The way the World Bank picks its president needs to change," said Elizabeth Stuart, policy adviser for Oxfam, the global development group. "The Bank only operates in developing countries, so any candidate not supported by a majority of these countries would plainly lack legitimacy."

STEADY AT THE HELM

Zoellick, a former U.S. chief trade negotiator and Deputy Secretary of State, became World Bank president in July 2007 amid a staff revolt against then president Paul Wolfowitz after revelations he had a role in giving his companion, a bank employee, a raise.

He immediately turned the bank's attention on its development agenda, warning of a brewing food and energy price crisis, which was stirring social unrest in the poorest parts of the world.

As the bank looked for ways to help countries cushion the impact of skyrocketing food prices, a global financial crisis threatened to undermine more than a decade of strong growth in emerging and developing countries.

Under Zoellick, World Bank lending increased sharply to $44 billion in fiscal year 2010 from $13.5 billion in 2008, reflecting increased needs by fast-rising emerging and developing countries in Asia, Africa, Latin America and the Middle East.

Zoellick also secured approval for an $86.2 billion capital package, the first in over 20 years. He championed more voting power for emerging economies and convincing countries as China, Brazil and others to contribute more funding to the World Bank.

Despite budget strains in developed world, Zoellick secured over $90 billion in pledges during tough negotiations to replenish the World Bank's fund for the poorest countries.

In speeches he has pointed to the rise of emerging economies as new poles of growth, outlined the need for a new approach to aid, while emphasizing the need for better governance in regions such as the Middle East where street protests that toppled dictators in Tunisia, Egypt and Libya.

(Additional reporting by Glenn Somerville and Laura MacInnis; editing by James Dalgleish and Jeffrey Benkoe)

Source: http://us.rd.yahoo.com/dailynews/rss/business/*http%3A//news.yahoo.com/s/nm/20120215/bs_nm/us_worldbank_zoellick

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