Saturday, March 31, 2012

prospects lying about getting rid of pets? - Landlord Forum thread

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prospects lying about getting rid of pets? by jp (CA) on March 31, 2012 @04:57
I'm new to the LL game and while screening for my first ever tenant for a SFH I've come across this situation twice now and was wondering if it's a common ploy or what...

I clearly post in caps in my ads 'NO PETS' but about 75% of people who contact me admit to having a pet anyway - and typically a large-breed dog. Today, for the second time, when I said 'sorry, this is a NO PET house - you saw that in the ad, right?' the prospect suggested that they would give the dog away 'probably to family members'.

I called BS on this one since I had heard it before already and said that there's no way they would get rid of their dog (and they have two kids who I'm sure would protest) but would in fact try to move it in after they get the keys. These people swore up and down that they really need a place and most places don't take pets so 'as bad as it sounds' they would get rid of the dog if they had too.

I may be new at this but my BS meter goes off pretty easily and I know they are lying - just curious from those in the game for awhile how often you hear this type of story (for those that disallow pets). As much as I'd like to fill my vacancy, I really don't want dogs in my house and my understanding is that short of non-paymnet of rent my ability to evict over breaking of this rule is close to zero in CA so I'm trying to filter the dog owners and liars as much as possible before they even see the house. Unfortunately if you remove dog owners and liars from the prospect pool you are left with zero prospects from what I'm seeing.

Thanks!

[ Reply ] [ Return to forum ]

Re: prospects lying about getting rid of pets? by Kelly (Texas) on March 31, 2012 @08:27 [ Reply ]
If they would get rid of a pet - also known as family member - why would you want that kind of a person as a tenant? They've told you all you need to know.

It is sad that there are not more 'pet-friendly' landlords, however. Seems like you could meet a person and a pet and make a quick determination about them. Indomitable all the time in rescue.

Thank goodness for that BS meter/detector!

Re: prospects lying about getting rid of pets? by Katiekate (New York) on March 31, 2012 @09:04 [ Reply ]
Try appealing to a different group of prospects.

Are you close enough to a campus to pick up the incoming freshman class? Now is the time to advertise on the off-campus housing network. Also..advertise at the student union.

If you lower your rent a bit and put the NO PETS in bold letters in your ad. You might pick up more because of the lower rent..and eliminate the pets owners in the process.

I do not rent to anyone with pets. ever. I rent to college kids now..and they come without pets. (their life style is too self-centered to be bothered with pet).

Try to find a new market.

Re: prospects lying about getting rid of pets? by Greg on March 31, 2012 @09:45 [ Reply ]
Your BS meter is dead on. Listen to it.

I had a really good tenant that paid 10 days early every time. While I was doing a drive by check of my rentals her mother came out of the house with a small dog. When I talked to the tenant later she told me that her mother was just visiting with the dog.

I handed her a 10 day notice to cure or quit. She had been told the no pet policy prior to move in (I repeated it twice).

I don't take pets period. No pet ever improved the value of my homes. But, the reverse is true.

Favorite tenant quote "Oh, my pets don't make a mess."

Greg in Phoenix


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You Still Don't Understand: The Rise and Fall of Fatherhood

Fathers Day is Sunday, 17 June. ?You are more than welcome to post links to the material or to reprint it, but please do not do so until Saturday, June 16, so publication will coincide with Fathers Day.

Enjoy!

DrD

30 Mar 2012


The Rise and Fall of Fatherhood

drD (Richard Driscoll)

"A man in the home is worth two in the street."

? Mae West

A half century ago, we might have been excused for believing that human families were meant to include not just mothers and children but fathers as well.? Many of us believed that fatherhood had been, was, and always would be a cornerstone of the human family.? In the 1960's only 5% of American children were born to single moms, reflecting a norm that went back as far as anyone could remember.? Twenty years before that, in the 1940's, about 3% were born to single moms.?

????? Now, in the 2010's, some 40% of children in America are born to single women.[1]? Almost half of these moms are in living-together arrangements, which are fragile at best.[2]? Of? first marriages, about 40% will end in divorce, and the mothers are the primary residential custodians in most of them.? Of children with custodial mothers, only one-third see their fathers as often as once a week,[3] and contact tapers off over the years. Ten years after a separation, two-thirds of children have virtually no contact with the men who were once their fathers.[4]? So somewhere over half of American children born today will be raised in matriarchal arrangements with no father or only a sometime father.?

????? Fathers are fast losing ground amid the escalating barrage of complaints about men in general and fathers in particular.? Motherhood is a biological necessity, at the heart of the family, and women seldom abandon their children when they have a choice.? Fatherhood, on the other hand, relies on a combination of personal preferences, social pressures, and a host of unknowns.? So when the two parent family unravels, it is men who vanish, and families revert to the more primal mother?plus?children arrangement.?

????? ?As a tribute on Fathers Day, we look here at the meaning and importance of fatherhood through the ages, among our own and among other species as well.? We look for some sense of why fatherhood is unraveling and why so quickly. ?

The benefits of cooperation

????????? Raising children is always a challenge, and two parents should have about twice the resources for the job as one parent alone. Two heads, two hearts, two sets of hands, and the possibility of two pocketbooks provide a real benefit over just one of each. By almost any measure, children with fathers tend to do better, emotionally, socially, and intellectually, and children without fathers do worse.?

????? Most birds bond together in mating pairs, but only a few species of mammals so.? Pair bonding among birds provides a tremendous survival advantage.?

????? The Snowy owl mom who sits the eggs has a full-time job due to the frigid temperatures. She must rely on her mate to hunt lemmings and bring them back to the nest for her.? Snowy dad hunts as mom sits the eggs, and during their first weeks after the owlets hatch, after which? the mom will join in the hunt. Snowy owls are wonderful parents. They swallow their own hunger and allow their body weights to drop by as much as a third as they provide food for their ravenous youngsters.?

The Evolution of Fatherhood

????? In contrast to birds, pair bonding is relatively uncommon among mammals.? While an egg must be incubated, a mama mammal carries her unborn youngsters inside her belly, remains mobile during gestation, and has an onboard supply of nutritious milk to feed her young after birth.? So while the mating birds who fail to bond would have few or no surviving offspring, most bachelor mammals pass along their genes just fine.??

????? Including? humans, about six percent of primate species form bonded pairs.?

Survival advantages

Relatively lasting pair bonds became commonplace among our early hominid ancestors about 1.7 million years ago, plus or minus a few seasons, and have remained a standard and typical arrangement since then. So in spite of multiple relationships, adultery, briefer life spans, separations, remarriages, and extra mating opportunities for the top bananas, most of our ancestors who passed along their genes to use were what we today term "married."?

????? Out on the Savanna some four or five million years ago, our hominid ancestors were up walking on two feet with their hands free to carry the camping gear and the groceries. A million or so years after that, hominid brains beganbegan to increase in size, from the one pound mini-calculator similar to that of a chimpanzee to the sophisticated three pound wonder brain that is standard equipment in the modern human head. The larger brain takes longer to mature, so human infants became increasingly helpless at birth and took considerably longer to become even modestly self-sufficient. Most primate infants can cling to their moms at birth or soon after, making them easy to carry. They can also scamper on their own, but not human infants.? So travel among our early ancestors came to require two functional individuals working together, one to carry the infant and one to carry the gear. Who better to provide the assistance than a committed mate?? It was about this time that human groups organized into families headed by bonded parents.

????? A larger brain is a high-energy luxury. The 3 pound human brain accounts for about 2% of our normal body weight but consumes fully 20% of our metabolic energy. So a larger-brained ancestor must find ways to acquire the additional nutrition or starve. The introduction of fathers supporting mothers and offspring surely provided a share of the additional resources necessary for higher intelligence.?

????? While a father and mother working together should provide about twice the resources as a mother going it alone, the cumulative results ?were more than that. If a mother could subsist on her own, the extra resources a second parent provides are available for comfort, security, and most importantly, for innovation.?

????? Bonding also provides the basis for extended family relationships.? Siblings from bonded parents are full brothers and sisters, and a father can brings with him paternal grandparents, aunts and uncles, nephews and nieces, cousins, and so on.? It is natural to favor your own kin over unrelated individuals, and kin members ally together for their mutual benefits.???

????? We are now the dominant species on the earth, which we can attribute to an upright gait which leaves our hands free; the use of tools; higher intelligence; language; and to our complex social arrangements.? Pair bonding, of course, has been a principal aspect of our social arrangements

Civilization

Bonded to a family,? the males of the species became progressively more involved in supporting the females and in raising the youngsters. Bonding with a female provided a continuing sexual relationship for a man, and protected the children against outsider males who would lust after the female but consider her children unwelcome nuisances. Those bonded males who supported the mother and her children be?came our first fathers, providing more for the youngsters and also gaining the additional respect from the mothers, which would surely translate into additional romantic invitations and thus additional progeny. ?By choosing contributors over slackers, our mothers themselves selected personal traits which helped cultivate fatherhood.? ?Relatives also supported contributors over slackers and stood adamantly against men whom they considered ?users.??

Providers

? ??? Parenthood itself tends to make men more productive. Men ordinarily work more hours and earn more after they become fathers, while new mothers tend to work fewer hours outside the home and earn less.[5]? Fathers with young children are four times more likely to work at least fifty hours a week outside the home than are working mothers with young children.[6]?? Married men ordinarily bring their earnings home, and marriage usually affords mothers the choice to spend more time with their families. ????? Married men attain faster wage growth in their first ten to twenty years of marriage, compared to men who are not married.? Being married increases by almost 50% the chances that a recently hired man will attain a high performance rating.? One research team concludes that "marriage per se makes [male] workers more productive."[7] Men who become widowed, separated or divorced lose their productivity bonus, suggesting that pair bonding was indeed an important factor in male productivity.

????? Men who can be expected to be good providers are considerably more marriageable.? By one survey, the men who get married over the course of any given year earn about 50% more than the men who do not marry.

Protectors

Men who have made the transition to fatherhood tend to be highly protective of their families. While we often think of domestic violence beingviolence within a marriage, the reality is quite the opposite. The combination of marriage and fatherhood offers the strongest protection against violence toward women and children.

????? Over the twenty years up to 1992, the rate of violent crimes against women was 43-45 per thousand for unmarried, divorced and separated women, but only 11 per thousand for married women.[8]? Married women benefited from a fourfold reduction in violence compared to their un?married counterparts.[9]

Unraveling

????? The human species has ridden a long way on the traditional family, where the? added resources? lifted mothers, their children and whole societies from meager subsistence toward innovation and abundance. So why is Western society sliding away from fatherhood?

????? The Industrial Revolution introduced the machines that do the heavy lifting, so brain now replaces brawn in productive importance.? Birth control can limit the size of families, so women tend to have fewer children and are freer to work outside the home.? Mothers of young children can usually rely on various forms of government assistance, so a man is no longer so vital and many women find it easier to do without one.?

? ??? While rare among mammals, fatherhood is typical in the Canidae animal family, which? includes wolves, coyotes, foxes, jackals, and African wild dogs.? Among coyotes the male hunts and brings home warm meals for his missus and their pups.. Some of these social animals have evolved not just fatherhood but also extended family arrangements. Among wolf packs, the alpha male and female are the only breeding pair, but a second pair may fill in as babysitters.???

????? Our most beloved of the canids is none other than the family dog, which was domesticated possibly fifteen thousand years ago from an offshoot of the gray wolf.? While the dog comes from a family of highly honorable paternal ancestors, the domesticated dog shows no interest at all in any paternal responsibilities.

????? So, what happened? Over the generations of domestication, our benevolent human ancestors would feed a hungry mom, replacing fatherhood among dogs by making it unnecessary. This allowed the male dogs more time to chase the stray females who wandered by with the "come hither" perfume.? The welfare benefits provided by humans were sufficient for mom and pups, and the fathering tendency fell out of the doggie communities.?

????? Given that it happened among dogs on welfare, could we not expect it among humans as well??? Government support means that a father is no longer a financial requirement, and the social expectations change according.?

Imbalanced arguments

????? Traditionally, men have been considered the heads of households, in what might today? be considered a sexist arrangement. But step behind the appearances and consider the power differences.? In arguments, when interests conflict, researchers such as John Gottman at the University of Washington observe that women usually dominate while men concede, placate, or withdraw.

????? Traditionally, the man was expected to commit himself to the support of his wife and children. In return, so far as he upheld his responsibilities, he was honored as the head of the family. See the trade-off? In exchange for supporting his wife, doing what she and the children require of him, deferring to her when she is upset with him, and usually losing when he tries to argue against her, he was honored as the head of the family.?

????? Such arrangements have something for each. He gets the honor and she benefits from his support. So the superficially patriarchal arrangement benefits women as much as men.

????? In marriages in which the woman openly heads the family, where is the trade-off?? She is officially in charge and she wields much of the covert emotional power as well, leaving him with little respect and little voice. What is in it for him?? Or for her, since she has no reason to respect him?? .

????? The traditional Christian support for men as heads of house?holds has surely helped to rebalance marriages, upholding men who stay and contribute and asking women to appreciate more and criticize less. It makes you wonder if the early Christians were wiser in these matters than our secular skepticism today would have us believe.?

????? Patriarchy is itself a convenient fiction in which the actors stay in character and the audience agrees to accept the production as just what it pretends to be. See patriarchy as an artfully crafted but fragile arrangement, honoring men who stay and support their families in order to encourage them to do so.

????? Today even that courteous pretense is quickly vanishing as patriarchy now refers more to a form of oppression than to a viable trade-off between men and women. So far as patriarchy implies oppression, then it is good riddance to bad rubbish. So far as patriarchy is merely honor bestowed upon men who marry women and support families, we are losing yet another dimension that holds the two-parent family together.? Females prevail in arguments and males withdraw, creating an imbalance that neither one finds satisfying.

????? As women seek more rights, more security, more safety, and more control of their lives, the importance of fathers gets lost in the mix.? Perhaps we can scrape by without so many fathers, for awhile.? But do we really want to chance it???

Fashioning fathers

A father is ordinarily the biological inseminator, which is our principal standard, although fatherhood is considerably more than mere insemination. [10]

(1) The genetic contribution is vital, in that we are naturally more inclined to love and care for those we believe to be our genetically related family members. Moms and dads tend to sacrifice tend a great deal more for their own biological children than for unrelated youngsters.

????? We want to see the inseminator as the father, and traditionally we required a man who inseminates a woman to marry her and to take on the responsibilities of fatherhood. In the absence of a relationship with the mother or her child, we refer to a sperm provider as the "biological father," meaning that he has contributed a set of genes and little else.? ?We might just as well call the sperm contributor a sire or mate, which are the preferred terms for fatherless species.??

(2) A father has an alliance with the mother in which he marries her or becomes common-law married. Indeed, a man's initial connection to an unborn child is often through his love for the mother. Men who maintain a committed relationship with the mother are the mainstay of fatherhood and contribute willingly, while men who do not bond with the mother or who separate and divorce are often inconsistent or absentee fathers, meaning hardly fathers at all.

(3) A father ?resides with his children and is an integral member of the family.? Living with children means participating in their lives. Unfortunately, men who have only infrequent contact fail to bond properly with the children, and men who bond but are separated from their children often lose the bond.??

????? A continuing partnership with the mother in an intact family vastly increases the chances a sperm contributor will mature into a real father and remain a real father. Unfortunately, the converse is also true. Men who provide sperm but do not partner with women and do not reside with the children seldom become participating fathers in the usual social relationship sense. We want them to be fathers and expect them to be fathers, hardly considering that they do not ex?perience the con?ditions that ordinarily transform men into fathers.

????? Uncommitted men are broadly condemned for their irresponsibility and referred to now as "deadbeat dads," although many were only casual sperm contributors to begin with and never dads at all.? Sperm contributors are still called "fathers," as a way to hold them responsible, but are no longer integrated into the family and remain very much outsiders. The government can force these men to pay for the insemination, but it has no means to turn casual inseminators into authentic fathers.

Only a century ago, the extended family was the norm. And in our earlier years, children were often raised com?munally, with assorted grand?parents, uncles and aunts, and older siblings all involved, and the rest of the community stepping in when necessary. Today, with so many children raised by television and the shopping mall, the fatherless family is hardly a step forward.? And while it is easy enough to condemn men, this Father's Day we take a chance and suggest that our culture would do better to find ways to support men and uphold fatherhood,? to bring out the best in ?men.

????? So long as we appreciate men and uphold men in families, we can hope for an improving quality of life for ourselves and the same to our youngsters.

Happy Fathers Day!

Adapted from? You Still Don't Understand? by DrD and Dr. Nancy Ann Davis.?



[1]???? The 40% for 2007 is from National Center for Health Statistics, March 18, 2009, Contact: CDC National Center for Health Statistics, Office of Communication, (301) 458-4800;? See also Mike Stobbe, 37% of U.S. Births Out of Wedlock, AP, Nov 21, 2007, for 2005 statistics. ? [2]??????? Sharon Jayson, "Births to unmarried women hit record." USA Today, Oct. 28, 2005. [3]???? F. Furstenberg, C. Nord, J. Peterson, & N. Zill. "The life course of children of divorce: Marital disruption and parental contact." American Sociological Review, 48, 5, (Oct. 1983), 661. [4]???? ??????? Furstenberg & A. Cherlin, Divided Families: What Happens to Children when Parents Part (Cambridge, Mass: Harvard University Press, 1991), 35-36. [5] ???? .???????? Furstenberg, Jr. "Good Dads?Bad Dads: Two Faces of Fatherhood," in A. Cherlin (Ed.), The Changing American Family and Public Policy (D.C.: Urban Institute Press, 1998), 195. As cited in Maggie Gallagher, The Abolition of Marriage, 178-179. [6] ???? .???????? Anna Quindlen, "Public and Private Men at Work." New York Times, 18 Feb. 1990, 19. [7] ???? ?.??????? Sanders Korenman and David Neumark, Does Marriage Really Make Men More Productive? Finance and Economics Discussion Series #29 (Washington DC, Division of Research and Statistics, Federal Reserve Board, May, 1988). As cited in Gallagher, 1996. [8] ???? .???????? U.S. Bureau of Justice Statistics, Highlights from 20 Years of Surveying Crime Victims: The National Crime Victimization Survey, 1973-92 (Washington, DC: US Department of Justice, 1993), 18. Statistics includes females 12 and older. See also D. Blakenhorn, Fatherless America, 32-42.? [9] ???? . ???????????? See: David Crary, "Cohabitation called dangerous to children." AP, Nov. 18, 2007. [10] ? .???????? Blankenhorn also sees an alliance with the mother and physical presence in the family as the two essential conditions for an inseminator to be a good enough father. See Fatherless America.

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Finding a Quality Pest Control Company in your Area

Finding a Quality Pest Control Company in your Area
by helvin zaine
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Friday, March 30, 2012

The Hollywood Reporter Taps Georg Szalai as International Business

The Hollywood Reporter announced Thursday that New York bureau chief and business editor Georg Szalai has been named international business editor, further expanding the magazine's coverage of the global entertainment market.

Szalai will be based in London beginning April 10 and will continue to cover the intersection of finance and entertainment while leading THR's European editors and correspondents and attending film markets and industry conferences. He joins senior staff members Stuart Kemp in London and Scott Roxborough in Cologne, along with international film editor Deborah Young in Rome.

"I'm thrilled to take on a new role at THR as international business editor," says Szalai. "With entertainment companies continuing to look for growth opportunities in foreign markets, I'm excited to play a role in expanding our coverage around the world."

"Georg is a first-rate business reporter whose breadth of knowledge and relationships on Wall Street remain an asset," says THR editorial director Janice Min. "In his new role, he'll expand The Reporter's reach as the global market becomes increasingly important to Hollywood and the entertainment industry overall."

Szalai joined THR in 2001 as a business reporter, and was named business editor in 2003 and New York bureau chief in 2005. Since THR's revamp in 2010, Szalai has broken stories such as the cord-cutting debate, social gaming firm Zynga's integration with entertainment companies and the profitability of premium TV's Epix. He has also interviewed industry leaders, including Viacom CEO Philippe Dauman and was the first to talk to Randy Falco after he was appointed Univision Communications CEO. Szalai also launched THR's yearly look at the profitability of entertainment conglomerates' studio units and has covered continuing stories as News Corp.'s phone-hacking scandal and Hollywood's deals with digital distributors like Netflix.

Additionally, Szalai has reported on AFM in Santa Monica, the Reykjavik International Film Festival in Iceland and will next attend Cannes, where he will join production of THR's festival dailies for the first time in May.

Szalai was previously at the financial wire service Bridge News prior to joining THR.

His appointment comes as THR?s website notched its biggest month of traffic ever, with 5 million uniques, and tripled international visits year-over-year, according to ComScore. The commitment to international entertainment news continues as The Hollywood Reporter Russia launches as a print monthly in April and the team of editors and writers dedicated to producing market-specific dailies for Berlin, Cannes, Toronto, Filmart, Busan and AFM is growing.

The Cannes dailies, to be published for seven days beginning May 16, will mark THR's most expanded coverage ever, including more reviews, news and deals, an extension of the magazine's trademark roundtables and the return of in-depth party coverage. The dailies and additional wall-to-wall coverage, including video, also will be available at THR.com.

Source: http://www.hollywoodreporter.com/news/the-hollywood-reporter-georg-szalai-international-business-editor-305547

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US to give $100 mln to boost Tunisia finances: Clinton

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Source: http://news.yahoo.com/us-100-mln-boost-tunisia-finances-clinton-131403493.html

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Thursday, March 29, 2012

Bicycle Riding Helps In Maintaining Your Health

Bicycle riding is one of the simplest and funniest ways to maintain your health in comparison to other kinds of exhaustive exercises & workouts. If you want to be healthy in a simpler way, you have to learn basics of cycle riding. It?s very helpful not only for adults but also for kids as well as children. Children can enjoy much while riding a cycle and parents need not to be force to their children for this as children can enjoy it with extremely pleasurable feelings. However, you have to teach safety and security tips to your children so that there could be no any kinds of danger involve in the riding.

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Normally, kids having ages between 3 & 6 are considered to be ideal for parents to teach them about cycle riding.

There is no any fixed rules or limits for children ages. Some children learn it naturally while some faces difficulties in learning. Thus, we can say that the ideal timing depends solely on children?s mental as well as physical health. Moreover, how they feel in leaning basics of riding in terms of comfort level. These factors have vital roles for kids in leaning bicycle riding. You should not force to children for this under any circumstances. They should learn in more natural and basic way so that they can enjoy much as per their interests.

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Nowadays, there are many training academies which are involved in providing bike riding trainings to kids, children, teenagers, younger as well as adult peoples according to their specific needs and requirements.

You must enquire about these training academies before taking admission for your children or for yourself. You must choose one of the best training academies that have been involving in providing bike riding training fully professionally for many years. You can also do these enquires for the peoples who have already got training there or the people which are currently learning there. These things will help you to choose the best one training academy for riding according to your choices, that too within your budget.

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One of the most important thing for your or for your children in getting bike ride training is to choose a bicycle. There are many cycle manufacturing companies, which use to manufacture bicycles that are best suited for every generation people whether they are kids, children, teenagers as well as youngsters. You can choose the best one according to your suitability and the financial budget.

Source: http://leisure.ezinemark.com/bicycle-riding-helps-in-maintaining-your-health-7d352cbc1919.html

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Wednesday, March 28, 2012

Choosing Shares Using Stock investing Computer software | Big ...

The most effective way to help to make excellent selections when purchasing stocks is to use stock investing software package. The vast majority of essential for someone using the very last measures in moving into your realm of stock trading. These types of typically convenient to use merchandise can perform a fantastic total take the think work out involving stocks through doing most of analysis you should help to make seems financial selections.

Frequently any time first studying how to buy shares, an individual is normally overcome because there are many facts they should understand to only get a individual write about associated with stock. Without stock investing software package, one could commit a lot of time researching committing with no good results. At this fee it is rather easy to come to be frustrated and give up upon stocks in its entirety.

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Moreover, the information that provides will be existing as well as in the instant. This is critical for making informed stock deals since publication rack incredibly dynamic. If you commit 72 hrs researching a standard before you buy that, you will find there?s good chance you could lose out on a fantastic possible opportunity to purchase making a number of swift income. This matter will be easily sorted having stock investing software package however. You can be up to date always.

On account of all these fantastic good reasons I Extremely stimulate you to definitely check out a number of committing software package when studying stocks and shares for beginners. BLFRA2833

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Finance Ministry Warns Local Governments On Pension Fund ...

Anyone remember the 2008 Great Recession? I know I do. One of the warm and fuzzy memories I had was reading about all those pension funds back home in the U.S. that had lost ginormous sums of money betting on mortgage-backed securities. They took a bath on those investments, as did university endowments and a broad swath of financial institutions.

But wait, you say, pension funds are regulated by the state, and their available investment options are proscribed by law. Indeed, and yet there are always two competing interests here. First, as pension funds often represent a major portion of retiree assets, conservatism and stability is usually the watchword. Second, there is the desire to obtain favorable returns on investments. As to the latter, not only does the state have an interest in ensuring that these employees? retirement savings grow as quickly as possible, but in those countries and in those localities where pension funds are in one way or another comingled with other state assets/budgets, then higher returns may also mean a lesser fiscal obligation for the state.

So we usually start off with the safe approach, and then either in periods where interest rates and bond yields are low, or when the financial services industry successfully argues that a relaxation of restricted investments is a good idea, conservatism tends to fly out the window. In the US in the years prior to 2008, investing in mortgage-backed securities was justified not only in terms of greater returns, but also because this paper was AAA rated. We all know how that worked out.

Now put yourself in the place of the Ministry of Finance here, which is hearing arguments from both sides. Here is one opinion from one of my fellow academics at the Central University of Finance and Economics:

Wang Yongjun, head of the Finance Research School at the Central University of Finance and Economics, said allowing local finance departments to invest local pension funds can also diversify investment risks.

Yes, there it is, the old ?diversification of risk? argument, and with China?s rock-bottom interest rates and lack of safe investment choices (in the face of inflation), there is certainly merit to this point of view. Additionally, with an aging population, greater returns are seen as a way to shore up a declining number of individuals paying into the system. On the other hand, the Ministry is well aware of what happened in the US and other countries a few years ago and is being extremely wary of liberalization.

One thing you can say about the government here is that although it is open to reform now and again, it is extremely cautious in doing so. In this case, it?s probably a good thing. Here is what the MOF said in a recent notice:

The finance departments of local governments can?t use the balance of their social security funds for investment, according to China?s Ministry of Finance.

In a notice aimed at strengthening the management of local social security funds, the ministry asked local governments to strictly enforce regulations to maintain the asset value of the pension funds.

I don?t know exactly what brought this on, and why the MOF felt like this was the right time to remind local governments on this issue. However, we do know that the fiscal health of local governments these days is atrocious, considering what?s been going on in the property market and the attempts of the central government to deflate the bubble even if doing so results in a significant loss of revenue at the local level. Perhaps when times are tough, and local governments are feeling the pinch, these big pools of cash might look mighty tempting. But this is merely speculation on my part.

I don?t know about you, but the thought of local government administrators in charge of pension funds during this time of great fiscal difficulty makes me extremely nervous. I hope that the MOF can strike the right balance here between security and adequate returns, but in the short run, I?d err on the side of conservatism.

Source: http://www.chinahearsay.com/finance-ministry-warns-local-governments-on-pension-fund-investment/

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Monday, March 26, 2012

Mature Robust, Reside Extended: Health and fitness Secrets ...

Whether or not you would like to reduce some weight, improve your measure of health and feel great, or fully make above your entire body and stay inside the best design in your life, the identical basic principles apply. The following paragraphs will drop some lighting on all those principals and provide you with methods for getting to your goals.

Create a health and fitness routine for the entire household. Get converts picking the fitness action for that few days that this party will do collectively. Keep a log of everyone?s every day physical fitness routines to monitor who is accomplishing what. Help everyone in the loved ones to find something that they may be great at and causes them to be feel good undertaking.

Sprinters need to concentrate on their hamstrings. In so doing, you might be establishing far more performance and improving your press away from. This can be accomplished by taking pounds towards the body with flexed ankles. Expand your ankles which means your toes usually are not directed toward your shins when you lower your weight. This may cause your hamstrings operate more difficult.

Acquire toys and games or gear which gets your young ones active. Exercise begins at home and if you supply the equipment and devices that interest your children, they may be more likely to stand up off the sofa and have active. Produce a household physical fitness time that receives anyone associated and nutritious.

When you?re trying to get fit, it?s crucial that you keep your proper way of thinking. Take into consideration how you?ll appearance when you?ve achieved your objectives. Get images of on your own as opposed to obtaining about the level, as well. Like that you?re finding the improvement your entire body is making rather than basing your ideas of being ?in shape? on some concentrate on amount of weight.

Range your exercise routines! If you keep pulling up the very same weight loads the exact same quantity of times it can appear to be you?re climbing a mountain of monotony. By switching your kind of training, either changing it in to a game or actually just actively playing a sport, you may help drop individuals lbs without the need of all the suicidal tendencies.

You should not think of fitness being a short term stage in your life. When you go about it in this way you are going to easily lose enthusiasm when you get to your objectives. Rather than a phase, you have to make an effort to create new way of life behavior that will last for your life-time.

One particular solution to sticking with your fitness routine is range. Including new workout routines and new methods helps prevent your workout routines from obtaining monotonous. One of the suggestions provided in the following paragraphs may help present just a little novelty to the individual fitness program. Feel free to integrate the ideas that appear to be like they is useful for you.

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Source: http://ezinearticlesnow.com/2012/03/mature-robust-reside-extended-health-and-fitness-secrets-through-the-professionals/

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Saturday, March 24, 2012

Tips For Getting The Proper Amount Of Rest For Building Muscle ...

No matter what your motivation for wanting to engage in muscle building, you will reap considerable benefits from it. Doing it the right way is very important to avoiding injuries and keeping your routine going. Use the advice in the following article to find a great routine for you that will have you looking and feeling great. Click here to know more about how to gain muscle fast today.

If you are a senior citizen, make building muscle a priority. It is estimated that as we age, we will lose about 7 to 10 pounds of muscle on average every decade. This is because our metabolism slows down, and we typically become less active. If you make muscle building activities a priority, you can help to prevent a good amount of this loss.

Always take in plenty of protein before and after working out. Prior to doing your workout, to have 20 grams of whey protein. This will speed up muscle recovery time and prevent your muscles from being burned during your workout.

Consider making use of tri-sets in your workout plan. These sets involve doing three exercises simultaneously, and you do these exercises all together without any form of rest. Tri-sets is an excellent method of shocking a plateaued muscle that needs to wake up in order for it to grow in size.

Enter a contest to increase motivation. Look for a body building show or fitness model contest that is open to novices and set far in advance. Having this (very public) reminder will keep you motivated to stick to your workout when the going gets tough, and you are tempted to quit.

Before bed, consume a lot of lean protein, along with fish oil. Your body needs lean protein for all the amino acids that it provides your body for growth. Fish oil is needed because it can slow down your body?s absorption of this protein so that it can have a positive nitrogen balance for a longer period of time during the night.

Are you trying to add muscle mass to your body? If you are eating calorie-dense foods and are performing muscle build workouts but are still not seeing the results that you desire, you might want to consider adding creatine supplements to boost the growth of your muscles. Creatine aids in building muscle mass. Not only is this supplement popular with many professional bodybuilders, it is also popular with many elite athletes in other sports.

Crank up some music. Research has shown that listening to music you love while you are lifting can help you do more reps than not listening to any music at all or not listening to the music that you like. In addition, having headphones can help distract you from having a conversation with others that will defer your workout.

Make sure that your diet has enough protein when you are trying to build muscle mass. The maximum amount of protein intake you need is about one gram of protein for every pound of your body weight on a daily basis. Slightly more or less protein does not matter too much, but you do need to intake as much as possible.

Plan out your routine properly. It is a good idea to work on only one or two specific muscle groups per day instead of jumping around. By doing this you will be able to give your muscles enough time to rest before you put them through another really exhausting workout session. Your muscles just need some time to heal.

If you are trying to build muscle, eat several small meals a day instead of three large ones. Your body will most effectively use the calories, vitamins, minerals, and protein sources that you put into it, if it only has to work on digesting a small amount at a time. This can lead to increased fuel for the muscles that you are working.

Milk is a wonderful drink that will offer you many vitamins that are needed when you are trying to build muscle. You have heard as a kid that drinking milk will make you grow, and they have found that is also the case with adults and muscles. Enjoy 3 cups a day, and it will help you out.

Only workout your abs muscles two to three times per week. Many people make the mistake of doing abdominal exercises daily. This does not give the muscles enough time to recover and can ultimately limit their growth and could cause your body to become injured. Working out two to three times per week is sufficient to get lean abs.

Start your routine by stretching for ten minutes or more. You?ll be less likely to get injured lifting heavy weights if you warm up first. Because stretching helps you avoid injury, you don?t have to worry about the time it would take for muscles to heal, which would keep you away from weights for an unknown period.

Hopefully, your weight-lifting and muslce building techniques have improved due to the new info you have acquired. Take the tips that you find most valuable and find ways to use them in your everyday life. If you want to find out more ways to lose weight faster, then read more about lose weigh fast now.

Source: http://body-fat-calculate.com/tips-for-getting-the-proper-amount-of-rest-for-building-muscle/

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The Right Doors For A Beautiful House - Home Improvement Idea

by Home on Thursday, March 22nd, 2012 | Comments Off

When making a residence, the doorway is particularly crucial component of it to be viewed as. Based on Feng Shui, outstanding doors mean excellent chances for the people dwelling inside the house. Concerning to good solid oak doors internal and supplier of bespoke staircases it?s a great factor to understand that those homeowners who wish their internal doors and staircases custom-made, they are capable to very easily possess them produced so.

International students have quite a few manufacturers that cater to these must whether on-line or in bricks-and-mortar. To produce a bespoke door all these folks need to do is style the interior doorways they desire for their home or workplace and carry a picture or sketch to the company that make bespoke interior doorways. There are additionally images which may be observed in well-known search engines and these folks are capable to be printed out and be launched to the custom-door maker as a sample. Additionally, the home-owner can specify which sorts of supplies are to be utilized to be capable to achieve the desired appearance of the interior doorways.

Among the species of timber that?s a good choice using regards to doors is the oak. Oak wood supremacy good strength and hardness which can make it resistant to insects and candica attack so it is easy to believe in which the doorway should endure a lifetime. Alongside its great high quality and durability, it?s also viewed as a wholesome timber which?s why wines are aged in oak barrels.

Oak wood has numerous utilizes including the making of bespoke oak doorways with quality doors mouldings. International students have lots of bespoke oak door producers you are able to uncover for your region or if you?d enjoy more choices, it is easy to do the study online and see that manufacturers present the most affordable prices at best high quality. The choice is yours to have your bespoke door(s) produced in solid oak.

If you?d like to possess sound oak internal doors, you do have developed an excellent preference. Doing so type of doorways not merely offers you durable protection for your workplace or house but also gives you a long-lasting door which could conserve you a great deal of dosh. Apart from which, you realize which using oak doors, you?re residing confidently due to the fact you know you are using a wood material which?s environment-friendly. It might let you invest many more funds than ordinary varieties of timber could but it is really worth the investment. You realize you?ve got a really long lasting and top quality timber material which can endure a actually extensive time.

Source: http://home-improvement-idea.com/the-right-doors-for-a-beautiful-house/

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Friday, March 23, 2012

Deal of the Day ? 73? Mitsubishi WD-73C11 1080p 3D DLP HDTV

LogicBUY’s Deal for Friday is the 73″ Mitsubishi WD-73C11 1080p 3D DLP Home Cinema TV for $999.99.? Features:? 3D ready, 1080p, 120Hz sub-frame rate, 6-color processor, Brilliant/Bright/Natural/Game modes, 3 HDMI inputs, 2 rear component / composite video inputs, HDMI-PC compatibility, more. $2099.99 – $1100 coupon code = $999.99 with free shipping.? This is the current [...]

Source: http://the-gadgeteer.com/2012/03/23/deal-of-the-day-73-mitsubishi-wd-73c11-1080p-3d-dlp-hdtv-2/

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BMW Classic Trying to Revive BMW 328 Gearbox - Today's Auto News

By Jyotsna Ramani?On?22 March, 2012?|?Filed Under Auto News, BMW

While most car companies are looking forward to launch new cars that can help them establish more consumers in the market, BMW Classic is looking forward to come up with better classic cars that can help consumers to keep their classic cars in shape. Recently, BMW Classic has commissioned the company to re-manufacture gear wheel kits for original Hurth gearbox that is installed in BMW 328. BMW Classic is seriously looking forward to keep their heritage cars alive and this will be their step to ensure that consumers that have used their classic cars are able to maintain it.

Photo by Wikimedia Commons

As per the information available, BMW Classic has already commissioned automotive part supplier ZF Friedrichshafen AG to provide the solution to this gearbox. The company is well known as gearbox specialist and BMW would like to make certain modifications to the gearbox that has been produced more than 70 years ago. The company also revealed that the first prototype is already done and that they will do some testing to ensure that the new gearbox works perfectly with the old BMW 328. They will ensure that the gearbox works perfectly in current situations and once it is approved BMW will deliver it to the customers by the start of 2013.

Source: http://www.todayautonews.com/bmw-classic-trying-to-revive-bmw-328-gearbox.html

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Thursday, March 22, 2012

Confusion over fate of Kadhafi spy chief in Mauritania

Mauritania said Wednesday no decision has been taken on the extradition of Moamer Kadhafi's ex-spy chief, which Libya said it had secured amid handover demands from France and the world war crimes court.

"Mauritania has made no commitments whatsoever concerning the extradition of (Abdullah) Senussi," a source close to the case told AFP after Libyan government officials declared they had won the extradition battle.

Libya's government spokesman Nasser al-Manaa told journalists the handover was a done deal after meetings with Mauritania's President Mohamed Ould Abdel Aziz.

"We have obtained an agreement from Mauritania to deliver (Abdullah) Senussi to Libya where he will receive a fair trial. No date has been decided upon but it will be very soon," government spokesman Nasser al-Manaa said.

"We respect the judicial procedures in Mauritania which will take time to finish, but it is simply a question of time."

Manaa was part of a Libyan delegation which arrived in Nouakchott Monday to lobby for the extradition of Kadhafi's feared former right-hand man, arrested at the Mauritanian capital's airport on Friday.

Mauritanian police said he had arrived on a flight from Casablanca in Morocco, travelling on a false passport.

Libya's vice premier Mustafa Abu Shagur had earlier said on his Twitter account Tuesday that he had secured the highly sought after extradition.

The comments on the social networking site came after he told journalists in Nouakchott Aziz had promised "something positive" with regards to the extradition.

"We are determined to get Senussi back, because this man has committed crimes against Libyans," Abu Shagur had said on his arrival in Mauritania.

A source close to the case said earlier: "Nouakchott is not in a hurry, in this case all the norms and procedures must be respected. Mauritania will take its time."

Libyan leader Mustafa Abdel Jalil said in Tripoli Wednesday that a decision by Nouakchott to send Senussi back to Libya would lead to an enhancement of ties between the two countries.

"Any initiative in this regard would constitute in the future a basis of close links between the two brother nations," Abdel Jalil said in a brief statement carried by Libya's official news agency LANA.

Senussi was the subject of an ICC arrest warrant issued on June 27, which says he was an "indirect perpetrator of crimes against humanity, of murder and persecution based on political grounds" in the eastern city of Benghazi.

He is also the subject of an international arrest warrant after a Paris court sentenced him in absentia to life imprisonment for involvement in the downing of a French UTA airliner over Niger in September 1989.

The plane was carrying 170 people from Brazzaville to Paris via Ndjamena.

That attack -- along with the bombing of a Pan Am jumbo jet over Lockerbie, Scotland in December 1988 in which 270 people were killed -- led to a UN-mandated air blockade of Libya in 1992.

A diplomat in Nouakchott said the Mauritanian president had met ambassadors from Saudi Arabia and Spain on Monday who wanted to discuss the possibility of questioning Senussi over acts committed by the Kadhafi regime.

These include the attempted assassination in 2003 of then Saudi crown prince Abdullah, who is now king, and unspecified attacks in Madrid.

Interpol has issued a so-called "red notice" for Senussi on behalf of Libya "for fraud offences including embezzling public funds and misuse of power for personal benefit".

Source: http://news.yahoo.com/mauritania-agrees-kadhafi-spy-chief-handover-libya-152439432.html

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Stocks rise on Apple dividend

The Dow rose 6 points to close at 13239 on a? dividend from Apple, a deal for UPS and the promise of greater demand for U.S. Steel.

U.S. stocks drifted higher Monday but lost the momentum from their biggest week of the year. A dividend from Apple, a deal for UPS and the promise of greater demand for U.S. Steel drove those stocks to gains.

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The Dow Jones industrial average was up as much as 37 points but sank most of the afternoon and finished up 6.51 at 13,239.13. It was a ho-hum performance compared with the Dow's 310-point gain last week.

The Standard & Poor's 500 rose 5.58 points to 1,409.75, its highest close since May 20, 2008. The Nasdaq composite index rose 23.06 points to 3,078.32.

An index of homebuilder confidence came in unchanged. Without major economic news or headlines out of Europe, the markets were steered by announcements from a handful of well-known companies.

Apple rose 2.7 percent to $601.10, its first close above $600, after announcing that it would pay a shareholder dividend and buy back $10 billion of its stock over three years.

The dividend is expected to expand the company's shareholder reach because value-oriented mutual funds that focus on dividends will buy it. Apple's stock has already skyrocketed from $405 this year, partly in anticipation of the dividend.

UPS rose 3.4 percent after announcing it would buy TNT Express, the second-largest express mail company in Europe behind DHL. The purchase further solidifies UPS' status as the world's largest delivery company.

U.S. Steel climbed 6.4 percent, the best performer in the S&P 500, after some manufacturers announced price hikes last week, fueling expectations of improving demand. Steel Dynamics and AK Steel Holding Corp. also rose.

The markets couldn't match the electricity of last week. The Dow and the S&P 500 both rose 2.4 percent last week, their best showings of the year so far. For the first time, the Dow closed above 13,000 and the Nasdaq above 3,000 on the same day.

On Monday, while ever-present concerns about European debt, a slowdown in China and the pace of U.S. economic growth were bubbling below the surface, investors seemed to take a day off from worrying about them.

"The absence of any negative news over the weekend was pretty positive," said Peter Tuz, president of Chase Investment Counsel in Charlottesville, Va., who described the market as complacent. "It sounds backward, but that's quite often the case."

There was little in the way of major economic indicators. The National Association of Home Builders' index of builder confidence came in unchanged from the previous month but is at its highest since June 2007, a year before the financial meltdown.

Prices for U.S. Treasury debt slid for the ninth day in a row, and the yield on the 10-year Treasury note hit 2.40 percent. It has not settled above 2.40 since Aug. 5. The 10-year was at 2.36 late Monday, up from 2.30 percent Friday. The falling prices are a sign that investors are feeling more confident in the economy and moving money out of bonds and into riskier assets like stocks.

The price of oil climbed above $108, up more than a dollar for the day and almost $3 for the last two trading days. The average price for a gallon of regular gasoline rose a penny over the weekend to $3.84 and is up 30 cents from a month ago, pushed higher by tension in Europe over Iran's nuclear program.

European markets were mixed. The main stock indexes fell less than 1 percent in France, Britain and Germany. Stocks rose 1.6 percent in Greece and 1.2 percent in Spain.

Though Greece's debt crisis has faded from the spotlight for the moment, Greece remains in deep recession, and uncertainty lingers. Unions throughout Europe are protesting cuts in benefits, making it difficult for governments to rein in their spending.

Leadership questions are also surfacing, with the Greek finance minister stepping down to run the majority Socialist party and France gearing up for presidential elections.

Among other U.S. stocks making moves:

? Sprint Nextel plummeted 4.5 percent after an analyst downgraded the stock to underperform, predicted that future incarnations of the iPhone could have trouble with the Sprint network and expressed concern about the company's debt.

? Bank of America rose above $10 in midday trading for the first time since August, though it's still well off its pre-crisis high of more than $50. The stock ended the day down 2.8 percent, at $9.53.

Source: http://rss.csmonitor.com/~r/feeds/csm/~3/tAgiOvdZG8M/Stocks-rise-on-Apple-dividend

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