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How will you get bank loan or perhaps cash loan?

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Depending on your condition of house, job position as well as profits, you are able to be eligible for credit as high as $1500, even though some loan companies will give no more than $500. You will have opportunity to observe how much you be entitled to just before accepting any mortgage loan agreement.

There is certainly an important legal big difference from a present and also a bank loan. A really generous relative or good friend may offer you $5000 regarding auto repairs, as an example. In case there's no hope of payment, the amount of money may very well be a present. The actual provider could not file suit for payment later within a municipal match. However when the credit provider designates the amount of money just like a bank loan as well as the consumer pays back again a dollar, the bucks can be viewed a legitimate loan and also the loan provider could demand repayment whenever. Small statements legal courts spend a lot of period determining whether a transaction which include cash would be a present or bank loan. Because of this paperwork is essential when designing personal financial loans to buddies or perhaps family members.

The requirements for getting credit are quite obvious. In case you are employed, having a regular monthly income regarding $800 or even more, and also have a bank-account, you fulfill the fundamental qualifications. Some loan companies inside our network might have extra requirements.

Cash financial products tend to be unguaranteed financial loans eliminated upon your next salary. Because they're short-term lending products, they could be small; different from $100 to $1500 as well as payment comes to your next pay day. They could be very useful for conquering a quick financial emergency, however shouldn't be viewed as a long-term monetary solution.

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The majority of home loan programs are addressed through finance institutions or other expert lenders. They might make use of a variety of conditions to determine if the potential client is skilled for a financial loan. Past credit rating is practically usually regarded, along with existing revenue and assets. The objective of the money may also be a good issue-a established expense opportunity may have a lot more appeal compared to a good misdirected concept for just about any new cafe. One particular essential point may be the income to credit card debt ratio through the customer. Can the customer have the ability to pay the loan back again interest? Professional loan companies basically 'sell' income, consequently debtors must be aware just how much funding actually 'costs' when it comes to real cash.

1. At which college does the student body stand throughout the game while symbolically serving as their team?s ?12th man??

In this Sept. 15, 2012 file photo, fans fill Nebraska's Memorial Stadium during the second half of an NCAA college football game against Arkansas State in Lincoln, Neb. (Dave Weaver/AP/File)

Get free daily or weekly news updates from CSMonitor.com delivered to your inbox. Sign up today.

Source: http://rss.csmonitor.com/~r/feeds/csm/~3/zuIIYkMbvm8/College-football-superfan-challenge-A-Top-25-exam

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LONDON (AP) ? A large Protestant march through the heart of Northern Ireland's capital has begun peacefully amid a heavy police presence.

Tens of thousands are expected to participate in one of Belfast's biggest parades in years, and authorities have deployed in force to prevent street clashes with Northern Ireland's Catholic minority.

The Unionist marches date back to the 19th century and are a longstanding irritant between Northern Ireland's two main religious communities and show no sign of fading away, despite a successful peace process.

Nearly every aspect of the marches ? from the parade route to the music played ? is fought over by both sides.

Source: http://news.yahoo.com/north-ireland-protestant-march-begins-peacefully-124156614.html

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SAO PAULO (AP) ? Chevron Corp. has paid a multimillion-dollar fine for several "irregularities" in connection with last year's oil spill off the coast of Rio de Janeiro, Brazil's National Petroleum Agency said.

The agency said in a Thursday statement that Chevron paid the 35.1 million real ($17.3 million) fine last week for 24 of 25 irregularities detected. The statement did not provide details on the irregularities.

Some 155,000 gallons of crude are thought to have been released in the November 2011 spill.

The agency said it granted Chevron a 30 percent discount because it paid the fine on time and did not challenge it.

Chevron confirmed it paid the fine and said it will "implement a number of process improvements developed from lessons learned in the incident. Chevron Brasil respects and complies with the laws of the countries in which it operates."

The company said in a Friday statement that "continuous monitoring of the incident area shows no discernible environmental impact to marine life or human health."

Also on Friday, Brazil's state-run oil company, Petroleo Brasileiro SA, said it filed a suit in federal court asking for the suspension of an injunction ordering driller Transocean Ltd. to cease operations in Brasil until investigations into the spill are completed.

The company said in a statement that the suspension would hurt Petrobras' exploration activities since it is currently using seven Transocean rigs in Brazil.

Earlier this week, Transocean and Chevron were served injunctions ordering them to suspend operations in Brazil within 30 days.

Source: http://news.yahoo.com/chevron-pays-17m-fine-oil-spill-off-brazil-213005347--finance.html

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Show starts at
9 p.m. EDT
(or thereabouts)

The Android Central Podcast is recorded live in front of a live studio audience, so you can catch us in the act.

Miss a show? You can listen to every episode of the Android Central Podcast online.
Web | RSS | iTunes | Stitcher

Source: http://feedproxy.google.com/~r/androidcentral/~3/BWjBuA8Sl8k/story01.htm

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While some people may be able to get by without a vehicle, the truth is that most people can?t. To put it in simple terms; if you need an auto then you need a car. Maybe you live somewhere that doesn?t have any public transport, and you certainly can?t be a hermit. You have a job to go to and not having an automobile isn?t an option. But you?ve got an extra concern because your credit isn?t all that great. If so , then you are not alone, however you really can get auto loans with poor credit.

One of the most important factors in what kind of loan it?s easy to get is your credit score. The better your score the better your loan should be. It requires a while for any changes you make to be reflected in your credit report, so you need to start making changes right away. Additionally , if there is any way you can delay buying a auto, it?ll give you more time to get your credit into better shape.

When you have poor credit you pay out more for a loan than someone who has sound credit. Where someone with sound credit may just be able to get an auto loan for 5%, someone with bad credit can expect to pay anywhere from 12% to 25% for a similar loan. Let?s use a $10,000 loan with 60 regular payments to find out how the rates compare. At 5% you?ll pay a grand total of $11,320, but at 12% and 25% that turns into $13,345 and $17,610 respectively. That is the reason why it is so vital to do what you can to boost your credit.

Always recall that it is your money, and that implies it?s your responsibility to manage it sensibly. Hunting around for the best possible loan, regardless of how bad your credit is, is the clever move to do. As you?ve already seen, one or two % points could save you thousands of bucks. Your goal is to get as good of a rate as your are able to. Even though it took you one or two hours to track down the most competitive rate, it might be more than worthwhile.

It should come as no surprise the economy isn?t precisely at its strongest right at this time. The good news is that banks and automobile dealers are mindful of this and are working diligently to help people get auto loans with poor credit. In the past lenders might have laughed you out the door if you had damaged credit, but today they will practically bend right over to work something out for you. if the 1st lender you go to turns you down, then go to another one?and then another?and then another if you have to.

Having damaged credit isn?t any fun, but it does not need to stop you from getting an auto loan. Just make sure that you compare them carefully and read all the fine print. That way you will be able to get an automobile you want at the best possible price.

Joe Wilson has worked in the loan industry for over two decades. Let him share with you his years of experience with payday loans, auto loans, student loans and the new peer to peer loans.

Source: http://freefinancearticles.info/auto-loans-with-poor-credit-what-most-people-can-not-do-without

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This undated image made available by Science magazine shows a water droplet dissolving a resorbable electronics circuit. As consumers we want our electronic gadgets durable. But as patients, we might want them to dissolve - inside our bodies. They could give treatments for a specific amount of time, and then just disappear without need for surgical removal or risk of long-term side effects. Scientists reported an early step toward that goal Thursday, Sept. 27, 2012: Small electronic devices, sealed in silk from cocoons, worked as designed after being implanted in mice. Three weeks later, they were basically gone. (AP Photo/Science, Fiorenzo Omenetto)

This undated image made available by the Beckman Institute, University of Illinois via Science magazine shows a water droplet dissolving a resorbable electronics circuit. As consumers we want our electronic gadgets durable. But as patients, we might want them to dissolve - inside our bodies. They could give treatments for a specific amount of time, and then just disappear without need for surgical removal or risk of long-term side effects. Scientists reported an early step toward that goal Thursday, Sept. 27, 2012: Small electronic devices, sealed in silk from cocoons, worked as designed after being implanted in mice. Three weeks later, they were basically gone. (AP Photo/Science, Beckman Institute, University of Illinois)

NEW YORK (AP) ? As consumers we want our electronic gadgets to be durable. But as patients, we might want them to dissolve ? inside our bodies.

Scientists reported Thursday that they succeeded in creating tiny medical devices sealed in silk cocoons that did the work they were designed for, then dissolved in the bodies of lab mice. It's an early step in a technology that may hold promise, not only for medicine, but also for disposal of electronic waste.

The new work is "a remarkable achievement" in combining materials to produce a working device, said Christopher Bettinger of Carnegie Mellon University. He works on biodegradable electronics but was not involved in the study.

Doctors already use implants that dispense drugs or provide electrical stimulation, but they don't dissolve. The new work is aimed at making devices that do their jobs as long as needed and then just dissolved, without need for surgical removal or risk of long-term side effects.

In the experiment, the devices ? which look like tiny computer chips ? were designed to generate heat, a potential strategy for fighting infection after surgery by killing germs, said John Rogers of the University of Illinois at Urbana-Champaign, an author of the study.

The devices worked in the mice for more than a week, until their silk coatings dissolved enough for bodily fluids to erode key parts of the devices, he said. After three weeks, the tiny gadgets had basically disappeared.

Someday for people, similar devices might be programmed to monitor the body and release drugs accordingly, or produce electric current to accelerate bone healing, Rogers said.

The researchers used the protective cocoon envelope because silk can be processed to stay intact for varying periods of time ? from seconds to weeks and potentially for years, he said. The device's circuitry itself was built from other materials that degrade in the body, such as magnesium and silicon.

The federally funded research was reported online in the journal Science.

Apart from medicine, the technology offers a way to cut down on electronic waste, or E-waste, if portable consumer devices could be made with decomposing components, the researchers wrote.

And there are other potential uses, too Rogers suggested. For example, such devices could be scattered near a chemical spill to monitor things like chemical concentrations without any need to retrieve them later.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/b2f0ca3a594644ee9e50a8ec4ce2d6de/Article_2012-09-27-Dissolving%20Electronics/id-ffc98d96f923405d8d8a5db692da908e

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The play that ended the NFL referees lockout, which one owner described as more about ideology than finances.

Photo by Otto Greule Jr/Getty Images

Tuesday night, as the NFL and its locked-out refs were progressing to the?"Screw it, let's start leaking to Mort" phase of negotiations, an unnamed NFL owner gave the whole game away?to the?Wall Street Journal:

According to one owner who has been briefed by league officials on the issue, the disagreement with the referees is more ideological than it is financial.

And that's it. That was the stupid, preening essence of a stupid, preening work stoppage, which more or less came to an end with?last night's tentative agreement. Under the terms of the deal, NFL commissioner Roger Goodell will temporarily lift the lockout so the regular officials can work tonight's Cleveland-Baltimore game; if the union ratifies the agreement in a vote on Friday or Saturday, the refs will be back en masse on Sunday.

Goodell and his owners may have lost the PR battle on Monday when their sport turned into the last 10 minutes of?Horse Feathers, but they won the ideological fight our anonymous owner alluded to above. It was nominally about retirement benefits, but in fact it was a struggle over what it means to be a worker or an employer under our dyspeptic yet triumphal contemporary brand of capitalism.

The NFL locked out its referees in the name of taking away their pensions. It was not that the pensions were a threat to the long-term fiscal survival of the league?again and again, we were reminded that the sums involved were pocket change in a growing, multibillion-dollar enterprise. It was that the pensions existed at all. The mere existence of a defined-benefit retirement plan offended an ownership class that had looked around and seen that every other business owner in America had already broken that particular contract. The referees' old deal was deemed insufficiently hard-edged or market-driven. That was the most vulgar thing about the lockout. It was ??aesthetic.

Two weeks ago, Goodell?whined to the Huffington Post's Dave Jamieson?that?he?didn't have a pension; why should the refs?

"From the owners' standpoint, right now they're funding a pension program that is a defined benefit program," said Goodell, who was in Washington on Wednesday attending a luncheon hosted by Politico's Playbook. "About ten percent of the country has that. Yours truly doesn't have that. It's something that doesn't really exist anymore and that I think is going away steadily."

"What we agreed to do and offer as ownership," he added, "is that they would have a defined contribution plan, in the form of 401(k), so they'll still have a pension plan but the risk, like [for] most of us, would be on individuals."

If it's bad enough for the rest of us, in other words, it should be bad enough for them, too. And on that count, the only one that really mattered to the league, the NFL won. The refs will keep their pensions, but beginning in 2017, the defined-benefit plan will be frozen, and new hires will get thrown into 401(k)s.

The pension deal is a concession mainly of principle for the current refs, a minor one on its face that will surely have all the usual nutless cherubim playing all the usual harp music for Goodell's assiduously fair-minded statesmanship. But these losses matter; they move the timberline back and normalize whatever new privation has been introduced into working life, which is why Dumbass Pericles and his ilk pick the fights in the first place.

This?was?Goodell's fight, too. Apologists for the commissioner, like ProFootballTalk's Mike Florio, argue that the commissioner was "simply doing what the NFL owners want him to do." (Florio went so deep into the tank for Goodell on Wednesday that I don't think he'll surface until the playoffs.) But note, when the?Wall Street Journal?brings up the ideological stakes, who was doing the briefing and who was getting debriefed. The political line originated with the league office.

How does ripping up the pension program identifiably serve the league's practical interests, anyway? One of the selling points of 401(k) plans is that they're better suited to a dynamic economy in which workers frequently change jobs. But the league doesn't want refs ducking in and out. They're essentially lifers.

Goodell talks incessantly about protecting "the shield." He means the league's heraldic corporate logo?its brand?not any useful sort of shield. His whole tenure has been a prolonged and infinitely smarmy exercise in shifting risk and liability off the league and onto the help. He changes the rules midseason to put the onus for player health onto the players themselves. He wages an "ideological" battle to expose the refs to the whims of the market. "It's ironic that you, the NFL, is what's screwing this brand up right now," ESPN analyst Trent Dilfer intoned in the weird aftermath of Monday night's game, when he and Steve Young and Stuart Scott all started talking like Ralph Nader. Dilfer's right, and not just about the quality of play. The refs, with their pensions and their moonlighting, are vestiges of an older NFL. The lockout wasn't just a war on them; it was part of the NFL's ongoing battle with its former self.

Source: http://feeds.slate.com/click.phdo?i=ce4cdcf4d1734e7b78797f4da25609bb

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Anyone who's been wanting to make a game for the Oculus Rift headset, but hemmed and hawed during the Kickstarter run, now has a second chance. Oculus has kicked off its own pre-order campaign that offers the VR developer kit at the same $300 that it cost for the more proactive among us, or $345 for those beyond US borders. As an added incentive, the first 1,000 who pull the trigger still get a copy of Doom 3: BFG Edition to show what the Oculus Rift can do. Twiddling your thumbs will have cost at least a month -- these new kits won't ship until January -- but the pre-order still means a head start over competing developers that haven't yet seen the virtual light.

Filed under: Displays, Wearables

Oculus Rift developer kits go up for regular pre-order, catch VR procrastinators originally appeared on Engadget on Wed, 26 Sep 2012 16:14:00 EDT. Please see our terms for use of feeds.

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Source: http://www.engadget.com/2012/09/26/oculus-rift-developer-kits-go-up-for-regular-pre-order/

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by Rob Melton, Contributing Editor
September 26, 2012
Filed under Fall Press Day, Uncategorized

One of the English-speaking world?s top writing coaches will speak to delegates at this year?s NWSP Fall Press Day Oct. 24 at University of Oregon in Eugene. Jack Hart?s session will reveal ?The Secret of Telling Stories? based on news reports that will put your publications on the path of the world?s best narrative journalism.

Hart is currently the interim director of the SOJC?s George Turnbull Center in Portland, headquarters of Northwest Scholastic Press.

During his quarter century at?The Oregonian,the Pacific Northwest?s largest newspaper, Hart served as managing editor, training editor, and writing coach. He has conducted writing workshops throughout the English-speaking world.?He also has worked as a reporter, arts and leisure editor, Sunday magazine editor, and editor at large. He has additional reporting experience at two other newspapers.

Hart is also the author of?A Writer?s Coach: An Editor?s Guide to Words That Work,released as a Pantheon hardback in 2006 and as a Vintage Books paperback in 2007. A Writer?s Coach?is Hart?s effort to make writing less painful for the rest of us. The book can help any writer learn the tricks and habits of good writers.

?Just about everybody agrees that good writing is tight, that it?s forceful,? Hart explains. ?Good writing incorporates lively verbs and clean syntax. It?s colorful. It includes descriptive elements that can put you in the scene. It?s rhythmic. ? Developing a process to get you there is not some closely guarded mystery, Hart explains, but the step-by-step conquest of craft.

His latest book, Storycraft: The Complete Guide to Writing Narrative Nonfiction?(Chicago Guides to Writing, Editing, and Publishing) was published last summer.

Hart?s other works include?The Information Empire,?a history of the?Los Angeles Times,?along with dozens of articles for popular magazines, academic journals, and trade publications. His column, ?The Writer?s Workshop,? ran in?Editor & Publisher?magazine for a decade.

He edited four Pulitzer Prize finalists, including winners in explanatory journalism and feature writing. He also edited a portion of the work recognized with the 2001 Pulitzer Gold Medal for Public Service and the 2006 breaking-news Pulitzer.?Along the way he developed an international reputation for his work with narrative nonfiction.

Hart, who earned his doctorate at the University of Wisconsin doctorate in Mass Communications, was a tenured faculty member and acting dean of the journalism school at the University of Oregon, and taught at six major universities. He?s also served as visiting faculty at the American Press Institute and the Poynter Institute for Media Studies.

He has coached two Pulitzer Prize winners (and contributed to two others), as well as national winners of the ASNE writing awards, the Ernie Pyle award, the Scripps-Howard business-writing award, the Overseas Press Club awards, the Headliners awards and the Society of Professional Journalists feature-writing award.

He was recently profiled by the University of Washington as an outstanding alumnus of the Department of Communication. (http://www.com.washington.edu/alumni/notes/profiles/hart.html)?The article explains how he accidently discovered journalism and became one of the first writing coaches for a daily newspaper.

Read the in-depth Q&A with Hart about??Storycraft? and narrative nonfiction as an American literary form by Andrea Pitzer for the Nieman Storyboard:?http://www.niemanstoryboard.org/2011/10/20/jack-hart-storycraft-narrative-nonfiction-interview/

Other excellent craft articles by Hart about how to write well and tell great stories can be found online:

Source: http://www.nwscholasticpress.org/2012/09/26/writing-coach-extraordinare-to-share-secret-of-telling-great-stories-at-fall-press-day/

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Posted by admin on September 25, 2012 //

Premier real estate agent dealing in San Diego homes for sale and investment

Article by Alex Cleark

Premier real estate agent dealing in San Diego homes for sale and investment ? Real Estate

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Seven Estates offers professional real estate services in San Diego. Customers can reach out to this online real estate agent to know about the San Diego homes for sale. They deeply believe in the values of trust and performance while dealing with the clients. These beliefs help them to serve their clients better. The sale Houses are available in different price range varying between low priced houses to expensive houses. It maintains a sharp focus on the market trends and conditions to take advantage of the positive movements in the real-estate market. It is one of the most trusted real estate agents of the region.

People who are interested to sell their houses can also approach Seven Estates. They help you to calculate the correct price of your house and find the right owner for it. Under the Seller Resources in the website, one can find the option what is my home worth? One can fill in the details of the property they want to sell like Address of Property, type of property, number of bathrooms and bedrooms, square feet area of the house, and other features of the house if any. The houses rent County are available at attractive rates. One can search San Diego MLS listings to get the right house for them. The Seven Estate website features foreclosure homes for sale.

The San Diego County relocation information is very informative and updated. People who are planning to relocate to San Diego can be really benefitted from their website. It offers detailed information on the six regions of the County like North Coastal, East County, North Inland, Central San Diego Central Coastal, and South Bay. All kinds of information about the neighborhood of each region of the county like hospitals, schools, County office of education can be easily searched from their site. One can even check out the population, crime rates, census data and zip code of each region. All the legal issues of each and every property have been taken care by Seven Estates. So a customer can blindly trust them and go ahead with any of the real estate transactions with them.

The San Diego Investment properties for sale that are featured on their website are value for money. Some of the best homes of San Diego are available for sale at Seven Estates that can serve as wonderful options for both investment and ownership. Some of the exclusive Townhomes and condos for sale are available with seven estates. They offer with the best deals in real estate to the customers. The San Diego homes for sale are available in various locations of the city, thus giving the customers with various options in terms of price, location, size of the house and more. Most of the houses are in excellent quality and needs very less of renovation or construction. By filling in certain details like Purchase price, down payment, mortgage term, interest rate, and more the amortization can be calculated very easily.

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Seven Estates is a one stop shop for all types of San Diego homes for sale . This online real estate agent deals in sale Houses San Diego . The Houses rent San Diego County can be found very easily with seven Estates.

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Trying to stop shooting

Trained in gun safety by her hunter father, Moriarity testified that she ducked and crawled under a table to grab Bishop's legs.

"I was yelling, 'Stop, Amy! Stop! Don't do this!'" said Moriarity, who is now chairwoman of the biology department.

Moriarity said Bishop then pointed the gun at her. As Moriarity begged for her life, Bishop repeatedly pulled the trigger but the gun jammed, Moriarity testified. She said Bishop was silent during the attack.

As a police investigator showed jurors photos of the dead professors on Monday, Bishop put her head on the defense table and softly sobbed. Bishop, who last year had pleaded not guilty by reason of mental disease or defect, did not speak during the trial.

After her arrest in Alabama, authorities in Braintree, Massachusetts, charged Bishop with the 1986 shooting death of her teenage brother.

Authorities in Massachusetts were awaiting the outcome of the Alabama trial before deciding how to proceed in their case.

Jurors on Monday did not have to weigh Bishop's guilt in the attempted murder charges, for which Circuit Judge Alan Mann sentenced her to three consecutive life sentences.

After the trial, professor Joseph Leahy, who lost an eye in the shooting and has just returned to teaching, said he felt the verdict was just.

"Seeing the photos was tough - I was seeing the bodies of my friends," he said. "They took the first three shots, and I got the fourth. I feel fortunate to be alive."
?
(Reporting by Verna Gates; Writing by Colleen Jenkins)

Source: http://rss.csmonitor.com/~r/feeds/csm/~3/R-Z2Cuk_Mj0/Former-Alabama-professor-gets-life-in-prison

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By Simon Kim on September 24, 2012

The TOEFL (Test Of English Fluency Level) test has been taken by thousands of people around the world. It is a globally accepted test that provides colleges and many others with information about a person?s English fluency level, and TOEFL scores can even be included in college applications. Therefore, a lot of people choose to study for it. I study TOEFL as well, and over the recent summer break, I was able to pull my grade up from 103 to 113. I feel that I have learned skills and tips that I can share with others. In my opinion, the best way to study for TOEFL tests is to practice understanding logical structures of passages. The following passages explain why I believe so, and how you can practice it.

Why?

Logic is very important in TOEFL. The ability to understand the logical relationships between ideas presented in passages is considered as the border that separates scores from 0 to 100 and 100 to 120. A lot of people study hard to cross that border. If you are studying for TOEFL, this means that your English is fluent to some degree. You probably do not have that much problems with vocabulary and sentencing skills. People like you will have no problems with getting perfect scores on the TOEIC and TEPS tests (some other kinds of English tests) but will need to work harder to perfect a TOEFL test. In the ?Reading and Listening sections, TOEFL wants to see if you could understand the author?s purpose of mentioning certain topics or the speaker?s intention of making a speech. In order to do this, you must be able to link the ideas using logic through the context provided. In the?Writing and Speaking sections, TOEFL wants to see if you can speak and write in decent English with your argument supported by your sub-ideas, logically. Thus, making logical relationships between ideas is the most important thing if you want to get a score above 100 points.

How?

Now, how can we study effectively for TOEFL tests?

First of all, you should memorize as many words as possible. This is so that you won?t have any problems with understanding passages and expressing your thoughts while taking the test. I would suggest memorizing as many words as you can until you run into the words you already memorized from before. If you are a Korean, the books ?Hackers Vocabulary? by David Cho and ??? ?? Vocabulary? by Tomato are highly recommended. Memorize them all!

Practice is the next key.

With the Listening and Reading section, you should practice to see the logical structure of passages: ?Why is the author saying this??, ?Why did the student call his friend?? and so on. You should keep on solving problems until you get used to the question types and time limits as well. Practice, practice, and practice.

With the Speaking and Writing section, you should practice giving responses that are logically structured. For example, if you want to talk about why you like apples, your explanations shouldn?t say because you don?t like bananas. With the Speaking section, you just have to practice speaking. Watch American or British TV series to improve your English accent. The ?TOEFL test encourages you to speak in either one of those two accents as they are two of the most used English in the world.

To sum up, the best way to study for TOEFL tests is to practice understanding logical structures of passages. However, the most important thing is having the passion for studying for the TOEFL test and?investing?in one?s future.

?

Posted in Feature | Tagged English, english fluency, scores, study, studying, tips, TOEFL, TOEFL Scores |

Source: http://review.brentsubic.edu.ph/2012/09/the-best-way-to-study-toefl/

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egadevy

integrity studio interview More than a decade ago, Carl Christensen, then an advertising director and graphic designer, felt an instinctive pull to leave behind his corporate lifestyle and pursue his own craft. He shot some landscape photos and headed to a flea market with his wife, Ina. After selling a few hundred photos, Ina said, ?That?s where your heart is.? Carl took a leap of faith, opening his own gallery, Integrity Studio, in New Hope, PA. Integrity Studio was recently featured in Entrepreneur magazine as a small business that?s winning on Pinterest, and a 2013 calendar featuring Carl?s images compiled by Orange Circle Design, one of the world?s largest calendar producers, will be available in Target stores nationwide.

You started your business by opening your gallery in New Hope, but you?ve also taken advantage of online opportunities. Talk about the role that both the physical presence and online presence have in your business.

The online presence is a way for me to tier my products. One thing I learned from my corporate days working for Fortune 500 companies is that no matter what you?re selling, whether it?s an automobile or financial service, you tier your products. I knew that was important, but it was really difficult to do within the gallery.

My bread and butter within the gallery are very expensive murals and large handcrafted frames, so within the same gallery, how do I sell a $25 piece next to one of these items? We couldn?t figure out a way to do that, so we moved everything online, including all the lower end products. That?s how we discovered Etsy, which was the perfect venue for that, and that?s how we ended up promoting our Etsy store on Pinterest.

Having said all that, for right now, my online business will be a sidebar. I sold $4,000-worth of work today out of my gallery. The day I do that online, I?m going to sing the Hallelujah Chorus.

How are you using Pinterest?

Pinterest is a vehicle that Etsy quickly adopted, and we saw this as a great visual way for us to try out our work, being able to monitor the number of hits that we were receiving, and determine whether or not a piece was worthy to put in the window at the gallery. We often base that on how well-received an item was on Pinterest.

One of my tactics is to find the most interesting and odd thing out there in the art world. I?ll pin it, and immediately after that, I?ll pin a piece of my work because the two sit right up there fresh on the pin board next to each other. Anecdotally, I can tell it works based on the referral traffic and analytics.

Pinterest is a way for me to let people know that there?s more to me than just my personal photography. This is a visual thinker, this is a person who appreciates good design and fine furniture, and this is a person who has a sense of humor. I have a whole humor section. I have a Pinterest board called ?Wish You Were Beer.? You can understand where my head is at when you see the things I pin there ? much to my wife?s chagrin. It?s a way for people to understand who I am without a bunch of words. When you go on my Pinterest page, you?ll get a feeling. You?ll get an overall sense of what I like based on the things that I?ve pinned.

Subversively, I?m selling you my products. I?m trying to play within Pinterest?s rules of not letting it be an overtly marketing site, but it is. I?m marketing myself and my work, but I?m not punching you in the face with it.

How has Pinterest impacted your business?

Pre-Pinterest, two-and-a-half years ago, Google was the number one way people would find me, and number two would be Etsy. Now, Etsy is number one, Pinterest is number two, and Google is number three. And Pinterest is responsible for a big part of our Etsy traffic. It?s huge as far as actual eyeballs.

I like the fact that if I pin something up there, those pins link directly back to a buying opportunity. It?s a call-to-action that goes directly to an opportunity to buy. We felt the impact more before everybody discovered Pinterest. We feel it a little bit less now but the numbers are still there. We?re obviously another fish in a much bigger ocean now.

Three creative passions drive your business ? photography, original paintings and handcrafted artisan frames ? three passions that require major time commitments. How do you balance everything with actually running your business?

It really comes down to which project will bring the most income to my family. I know that seems boring and business-like for an artist, but it?s the truth. I don?t cut my own mat board. I don?t cut my own glass. The reason why is each of those is a $1 or $2 item.

I outsource the least expensive things and put my energy and effort into the things that make the most money ? building a body of work, producing that work, scouting new areas, making the frames. The framing industry is ridiculously expensive. It might take me six hours to make a 30 x 40 furniture-grade frame, but I can sell that frame for $1000.

As far as creating, whether it?s a new painting or a new photograph, the truth is I don?t find time to shoot or create. The time finds me. I have four children in the house under the age of 9. My wife runs an online business. I run my online business and a brick-and-mortar gallery. If I have a two-hour window in the middle of the day, I can?t just decide it?s time to shoot and pick up my camera. The atmosphere may not be right, my mood may not be right and the lighting certainly isn?t going to be right. You?re really sort of stuck.

integrity studio interview If I?m having dinner with my family and I look out the window and see the most beautiful golden light I?ve ever seen, and I know how a certain tree on the top of the hill 15 miles away is going to look, I have to go. It?s time to shoot. As far as painting, if I?m in a bad mood, I don?t pick up a brush. People come into the gallery and say that every piece makes them happy. I never shoot or paint when I?m not happy because I don?t want that to come through in the work.

All of these things filter out a lot of the opportunities to shoot and paint. Thankfully, I have a large body of work. If I create one or two things over the next 60 days that I?m truly proud of, that would be amazing.

On your website, you say, ?Twenty years from now, we want a viable legacy we can hand over to our children.? What kind of legacy?

Both of my parents were orphans. I have no grandparents. My wife comes from the former East Germany and has very little family. Anything we can give to our four children ? because we had nothing given to us ? is our legacy, and we want it to be something they can be proud of. We?re all about the future and the next generation.

We would like very much to be able to give our children the opportunity, if they should desire, to take over where we left off. We own our gallery and try to build Integrity Studio on a brand of integrity. If they want to develop their own line of anything, they could put it up on a wall and sell their work.

The other day, my four-year-old said, ?Daddy, can I make a painting to sell at your gallery?? Of course she can. It?s sitting in the window with a $10 price tag on it. I want them to go to college and get a degree, but I don?t want them to think that?s their only choice if they want to learn to do something with their own hands. I?m very passionate about that.

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egadevy · ScienceDaily (Sep. 24, 2012)

ScienceDaily (Sep. 24, 2012) ? The relationship between species determines how rapidly they evolve. Parasites and their hosts coevolve more rapidly, and partners in a mutualistic relationship can evolve more slowly. But this view is obviously too simplistic. The rate of evolution in a mutualistic relationship does not depend only on the type of interactions, but also on the number of individuals involved, according to a model developed by researchers of the Max Planck Institute for Evolutionary Biology in Pl?n, Germany. Therefore, while partners can benefit from slow evolution if only two individuals interact, a higher rate of evolution may be favoured if several individuals are involved.

Parasites and hosts conduct an arms race with one another in which the parasite must constantly find new ways to circumvent the defensive measures of the host. As a result, they both constantly evolve. This is similar to the situation of the Red Queen in the book ?Through the Looking Glass, and What Alice Found There? by British author Lewis Carroll, and is therefore labelled the Red Queen Hypothesis.

The counterpart to it is the Red King?s Hypothesis, first posited in 2003: in mutualistic relationships, evolving more slowly can be favoured. This occurs, namely, when the partners behave egotistically in the beginning and then attempt to become more altruistic. The partner holding back and evolving more slowly benefits, as it does not have to invest anything in improving the partnership.

Up to now, researchers have explored the Red King Hypothesis only in models for which two individuals come into contact with one another. However, this does not reflect reality for the most part. It is much more often the case in nature that several individuals are in a relationship with one another. Thus, several ants protect a single butterfly larva in order to be rewarded with its honeydew. For the ant, the relationship is therefore between two individuals; however, from the perspective of the caterpillar, there are multiple partners interacting.

The scientists in Pl?n have therefore tested the Red King?s Hypothesis in a multiplayer model. According to this, it was confirmed that the Red King?s Hypothesis is only valid in pairwise mutualistic relationships. As soon as several parties are involved, it becomes considerably more complicated. ?Then more rapid evolution can be favoured for a party as well,? explains Chaitanya Gokhale from the Max Planck Institute for Evolutionary Biology.

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The above story is reprinted from materials provided by Max-Planck-Gesellschaft.

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

Journal Reference:

C. S. Gokhale, A. Traulsen. Mutualism and evolutionary multiplayer games: revisiting the Red King. Proceedings of the Royal Society B: Biological Sciences, 2012; DOI: 10.1098/rspb.2012.1697

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://feeds.sciencedaily.com/~r/sciencedaily/top_news/top_environment/~3/ddWYeF29DiA/120924080259.htm

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