Blog Archive ? Trustworthy Advice For Your Home Improvement ...

You?ll always need to make improvements to your home, including projects that add new features for your family. There are many projects that you can complete on your own, eliminating the need to hire someone else. These tips will help you do this.

If your gutters are clogged, there can be several drainage issues during heavy precipitation. Leaky gutters on the sides of houses can cause water to seep into the basement, which will eventually cause a flood. Before this happens, be sure to clean your gutters.

Are you planning a home improvement project? See if some of your existing artwork can be used, which will save you money as you personalize your home. Purchase some decorative frames that will match your existing decor.

Stucco is a viable alternative to metal-siding when you are re-siding your home. Stucco, while easy to install, may need professional help to put in the forms, but once up it will last a long time.

When adding exterior lighting, consider installing motion detector lights. Motion detectors are an excellent security measure, as they will both deter intruders and alert you to their presence. They also reduce electric bills.

Look for low levels around your property, paying special attention to the areas around your home?s foundation. Make sure the soil is adequately compacted to avoid soil erosion from concentrations of water. Dig away fro your foundation so that it does not get into your home and cause damage.

Real estate agents know the best additions to give a home added value. They have a thorough familiarity with the interests of real estate buyers and how additions and improvements change a house?s value.

Making your home the way you want is quite possible. There are many home contractors that you can hire, though first make sure that the project is not something that you can take care of on your own. Use the following tips to help you create your own project.

You?ll always need to make improvements to your home, including projects that add new features for your family. There are many projects that you can complete on your own, eliminating the need to hire someone else. These tips will help you do this.
If your gutters are clogged, there can be several drainage issues during heavy precipitation. Leaky gutters on the sides of houses can cause water to seep into the basement, which will eventually cause a flood. Before this happens, be sure to clean your gutters.
Are you planning a home improvement project? See if some of your existing artwork can be used, which will save you money as you personalize your home. Purchase some decorative frames that will match your existing decor.
Stucco is a viable alternative to metal-siding when you are re-siding your home. Stucco, while easy to install, may need professional help to put in the forms, but once up it will last a long time.
When adding exterior lighting, consider installing motion detector lights. Motion detectors are an excellent security measure, as they will both deter intruders and alert you to their presence. They also reduce electric bills.
Look for low levels around your property, paying special attention to the areas around your home?s foundation. Make sure the soil is adequately compacted to avoid soil erosion from concentrations of water. Dig away fro your foundation so that it does not get into your home and cause damage.
Real estate agents know the best additions to give a home added value. They have a thorough familiarity with the interests of real estate buyers and how additions and improvements change a house?s value.
Making your home the way you want is quite possible. There are many home contractors that you can hire, though first make sure that the project is not something that you can take care of on your own. Use the following tips to help you create your own project.

Learn more about the author through her other articles talking about fishing sunglasses.

Source: http://savecaspiansea.com/trustworthy-advice-for-your-home-improvement-needs

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Why the S Corp Might Not Be Right for Your Startup

If you?re launching a business, you?ll inevitably encounter the tough decision of picking a legal business structure. It?s a significant issue, one you?ll want to consider carefully from all angles and potentially discuss with a tax advisor or accountant.

The S Corporation has become one of the most popular business structures in the U.S. thanks to its favorable ?pass through? tax treatment. And while it?s an advantageous way for small businesses to optimize their taxes, the S Corp isn?t right for every business. With the S Corp election deadline approaching on March 15, it?s a good time to examine this business entity and determine if it?s the right structure for you.

An Introduction to the S Corp

An S Corporation begins as a general, for-profit C Corporation. After the corporation has been formed, the business can elect ?S Corporation Status? by filing Form 2553 with the IRS in a timely manner. With this election, the company is now taxed as a sole proprietor or partnership rather than as a separate entity like the C Corp.

A C Corporation files its own tax form and has its own tax rates (C Corp tax rates). If the company makes a profit, it can choose to retain the earnings in the company as part of its operating capital or distribute the profits as dividends to shareholders. With a C Corporation, these dividends are essentially taxed twice: first at the corporate level when the company files its taxes and then at the individual level with each shareholder?s 1040 form.

By contrast, the S Corporation is not subject to corporate tax rates. Its profits and losses are passed through and reported on the personal income tax returns of the shareholders. That?s why the S Corp is known as a ?pass-through entity? and avoids this double taxation of dividends.

Of course, bear in mind if a shareholder also works in the business, they must be paid a reasonable wage for their activities. And these wages are subject to the personal income tax rate (in other words, you can?t just compensate yourself in dividends).

Drawbacks of the S Corporation

While this pass-through tax treatment can certainly be advantageous, the S Corp isn?t for everyone. If you?re trying to choose a business structure, here are several circumstances where the S Corporation might not be the right choice:

1. You?re a sole proprietor who doesn?t want the hassle: The S Corporation entails extra structure, formalities, and compliance obligations for the solo entrepreneur with a ?payroll of one.? If you incorporate as an S Corporation, you need to set up a board of directors, file annual reports and other business filings, hold shareholder?s meetings, keep records of your meeting minutes, and generally operate at a higher level of regulatory compliance than your business might need or want to deal with.

You also will need to do payroll to pay your employees, even if you?re the only employee. This can create extra costs and operational challenges. Instead of dealing with all this red tape and complexity, forming an LLC (Limited Liability Company) might give you greater simplicity and ease of doing business. With an LLC, as a sole proprietor you don?t have to create a board of directors or jump through as many regulatory hoops. And, the LLC still gives you the pass-through tax treatment just like the S Corp.

2. You want flexibility in how you distribute profits (dividends) among shareholders:?The other downside of the S Corp is its strict allocation of income. In an S Corporation, each owner/shareholder must share in the income in direct proportion to their ownership.

What does this mean? Let?s say you start a business with three colleagues, each owning 25% of the business. You do the bulk of the work in Year 1, your company makes a big profit, and everyone decides that you should take home 50% of the extra profit. Since income and loss are strictly based on the pro-rata share of ownership in an S Corp, this isn?t possible (at least in terms of personal income tax reporting). Each owner will be taxed on 25% of the profits, regardless of any other agreement. In contrast, an LLC offers more flexibility when it comes to allocating income amongst the owners.

3. You plan to reinvest any profits back into the company:?As profits pass through entities, individual owners of an S Corporation or LLC are liable for any taxes owed on profits ? whether that money is retained in the company or put in their wallet.

For example, if you own 50% of an S Corporation (or LLC for that matter) and that company makes $50,000 in profit, you need to report $25,000 in income on your personal tax return. It doesn?t matter whether that $25,000 actually ended up in your pocket or you decided to keep it in the business in order to boost your marketing efforts next year. This is known as ?phantom income? and can obviously cause a problem for some shareholders. If you plan on retaining money in the company, you should consider the C Corporation over both the LLC and S Corp.

4. You can?t qualify:?Lastly, the IRS places certain restrictions on S-Corporations, including:

• An S-Corp cannot have more than 100 shareholders
• All shareholders in an S-Corp must be individuals (not LLCs or partnerships) and legal residents of the United States.

Your choice in business structure will ultimately depend on all the unique aspects of your business, financial situation, and short-term/long-term goals. Regardless of which business type you choose, taking a serious look at your legal structure is essential to set your business up for success.

Dmitriy Shironosov?and STILLFX?via shutterstock

Source: http://thenextweb.com/entrepreneur/2012/02/28/why-the-s-corp-might-not-be-right-for-your-startup/

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Gordon Gekko changes sides, works for FBI

By Al Olson

The man who popularized the phrase "greed is good" is changing teams.

Michael Douglas, who played the greedy insider-trading antihero Gordon Gekko in the 1987 film "Wall Street" and the 2010 movie "Wall Street: Money Never Sleeps," has taped a public service announcement for the FBI warning about the dangers of Wall Street shenanigans.

In the PSA, Douglas says: "The movie is fiction, but the problem is real." He also urges those who suspect foul play to submit it to www.fbi.gov .

In the first "Wall Street" movie, Gekko is found guilty of several securities violations and is sent to prison for his crimes.

And just for fun, here is what Gekko had to say about greed:

Greed, for lack of a better word, is good. Greed is right. Greed works. Greed clarifies, cuts through, and captures, the essence of the evolutionary spirit. Greed, in all of its forms; greed for life, for money, for love, knowledge, has marked the upward surge of mankind.

Source: http://bottomline.msnbc.msn.com/_news/2012/02/27/10519206-gordon-gekko-changes-sides-works-for-fbi

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Managed Computing Business - IT West Barnes Solutions ...

You?ll find quite a few reasons why a corporation ought to seriously contemplate hiring managed IT West Barnes?services to assist move their small business forward. Without a maximized workflow and optimally functioning technologies, a enterprise could lose important facts via troubles that could possibly arise. No matter what size company you?re coping with, ensure you consider receiving a service that could assist you using the heavy lifting. Unless you are going to start an in-house IT department, you?ll need to take into consideration enhancing your business enterprise with an outsourced tech team. There are actually three important causes why selecting an outside IT enterprise is a good solution.

Threat Management ? Any time you hire a tech enterprise to deal with personal computer help services, you could feel confident in your office technologies and focus on enterprise operations. As opposed to hiring an in-house team that would take up space and resources in your location of company, you might instead cut down the dangers involved with hiring, insurance and much extra by basically receiving an IT service that?s separate from your business enterprise location.

Infrastructure Control ? If you?re coping with laptop or computer networking, technology, sites and a lot much more, you will must have total control over updating and main processes that make them operate. This can be in particular true if you?re running a shopping cart software program on your web page. With out control, you won?t be moving forward with infrastructure. As an example, if the network goes down at any offered moment, you?ll wind up getting peace of mind simply because it is possible to get your web-site back in operating order instantly, as opposed to getting to wait for the tech team to arrive at the workplace.

Much less Operate, Additional Efficiency ? The main reason why you might need a service of this type is simply because it will mean less work within the long-term. Your tasks won?t be related to technologies, and rather your business enterprise can move forward with relative ease. In-house staff frequently times have far more function to do than just focus on the managing of technological advances, which can from time to time bottleneck certain aspects of infrastructure. By removing that element, and receiving a service, you may make certain that business enterprise is moving forward at all hours from the day and also night if will need be.
The aforementioned causes are just a few examples to think about when deciding whether or not or not to employ an IT firm for laptop or computer help services. Services are varied and there are a whole lot extra arguments both for and against hiring outsourced IT providers. The above are just a handful of reasons that ought to help keep you motivated in hiring a team which is already operating in technology, instead of wanting to construct a ?dream team? for your self. You could devote month after month attempting to figure out who to pick out to come on board and aid along with your tech demands, or it is possible to let the professionals deal with your demands with relative ease. By hiring an outside firm, you may also be saving a tremendous level of capital that would otherwise be spent on an in-house IT West Barnes?department. The long-term savings will trump the costs which you would must invest in acquiring and forming a suitable team to manage all tech help. Outside firms have encounter and staff to deal with any and all wants that arise, so your small business is covered.

2011? Managed Services West Barnes?Reliable Managed Services West Barnes Managed Services is widely acknowledged as the best model to adopt for data technology outsourcing for those who have a long term outlook you likely need... Managed Services West Barnes?Reliable Managed Services West Barnes Managed Services is widely acknowledged as the most effective model to adopt for information technologies outsourcing when you have a long-term outlook you likely need Managed... IT Barnes?Computing IT Barnes You can find quite a few factors why a enterprise ought to seriously think about hiring managed IT Barnes?services to assist move their enterprise forward. Without a maximized... 2012 laptop screen repair london, emkay seo, cheap computers, new aldi computer, best laptops for business 2012, Aldi computers 2012. laptop screen repair london, laptop screen repair london, cheap computers, upgrade sql server 2008 to r2 uk, best laptop 2012 uk, cisa 2012 curriculum, remote desktop software.

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Frum: With Detroit speech, Romney throws his economic plan overboard (CNN)

Share With Friends: | | Politics - Top Stories News, RSS Feeds and Widgets via Feedzilla.

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inside the lungs. It's contracted by swallowing or breathing in ...

As with all cancer growth, it manipulates the integrity of cell walls, mutating the human form. Mesothelioma cancer begins in the lungs. It can be contracted by swallowing or breathing in asbestos fiber, which are so compact, that the naked human eye can?t see them. It takes a extended time for mesothelioma cancer to set in. In some reported ipage coupon code situations, it has taken tens of years for a victim to realize they?ve this cancer. This can be one of the causes it is so deadly, taking host to a great deal more than three,000 per year.

When becoming treated for mesothelioma cancer, a patient will undergo various types of therapy. The most common form includes a series of x-rays, CT scans, and MRIs. Additionally, you may come across that a physician could suggest biopsies to help in determining which kind of treatment program will function top for you. As no one person will be the same as an additional, nor is treatment and it?s going to vary from one particular patient to an additional. An oncologist or physician will assist you to to figure out what functions top along with your body to meet your wants.

Additionally, surgery, radiation treatment, and chemotherapy happen to be identified to help in the fight against cancer. This can be the same with mesothelioma cancer treatment. If you began treatment, you will study that the object of this treatment is locating and eliminate any and all tumors. The assortment of theory assists by solving the question of precisely where they?re situated, along with the spread of each tumor. You can get my symptoms that will be relieved by following a doctor?s orders, and attending these treatment sessions.

In this distinct cancer, a victim might come across difficulty in breathing, chest pain, and harsh stomach aches. As a result, depression is likely, and fighting off illness shall be a great deal more troublesome than usual. If you come across yourself with these or other symptoms, you?ll want to seek help from your physician or physician immediately.

Malignant mesothelioma is a cancer of mesothelial cells, and impacts the pleura and peritoneum in the 80% and 20% in the situations respectively golfnow promo code It generally occurs in people today who have been exposed to asbestos in their workplace no less than 15 years prior to the diagnosis, despite the fact that in some cases the illness has been developed in people today with rather tiny to none exposures. In actual fact, the relationship amongst malignant mesothelioma and asbestos exposure was to begin with described in 1960 by Wagner and colleagues in South African crocidolite miners.

The incidence of mesothelioma is identified in nations where there?s a national registry of this illness. Thus, the figure ranges amongst 14.2 and 2.five situations per million in males and ladies, respectively, in the United States, 66 and 7 per million in Australia. In Spain for example there?s no record of such occupational illnesses. Inside a study conducted in Catalonia amongst 1983 and 1990, there was an attributable mortality rate of malignant mesothelioma per 100,000 situations of 0.83 and 0.47 in males and ladies respectively. In patients living in Barcelona and Cadiz with malignant mesothelioma, 62% of situations might be connected to occupational exposure to asbestos, even though the remaining 38% might be as a result of domestic or environmental exposures. The fact that mesothelioma can take place because of environmental exposure to asbestos is identified, as described in populations living close to asbestos mines in areas where the houses were painted with paint containing tremolite or in regions with high quantity of the silicate in the soil.

The fiber appears to become associated with this tumor are amphiboles, whereas chrysotile, regardless of becoming one of the most normally inhaled fibers, seems to become of danger. In Spain, the published series of malignant mesothelioma are concentrated in significant cities, due to the fact, logically, is where there?s a better industrial exposure to asbestos play minecraft for free Patients generally present with a persistent pleural effusion and a computed tomography is utilised to reveal pleural lesions that might lead to a correct diagnosis of mesothelioma. This, still, calls for pleural biopsy employing thoracoscopy that features a yield above 90%.

Malignant mesothelioma invariably progresses to death of patients with a median survival of 7 months. With existing evidence, neither radiotherapy nor chemotherapy nor surgery have shown any improvement in the prognosis of these patients. Today new treatments are becoming tested, because the introduction of intrapleural cytokines, photosensitization mesothelioma cell or gene therapy, with no conclusive outcomes to date. The involvement of patients diagnosed in Spain in research scientific studies of new therapies require cooperation amongst centers to study a adequate number of patients.

Source: http://www.fitness4winners.info/2012/02/27/inside-the-lungs-its-contracted-by-swallowing-or-breathing-in-asbestos-fiber-which-are-so-compact-that-the-naked-human-eye-cant-see-them-it-takes-a-extended/

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Interview With Tanya Huff Author from the Vicki Nelson Vampire Books

1. Can we use whatever story lines in the TV series appear in all of your future short tales?

No. The show and also the books are two separate creative endeavours. The designers from the show have taken care of the authority to make use of the five Vicki Nelson books because the grounds for Bloodstream Ties however it does not operate in another direction.

2. Discuss your working relationship with Executive Producer Peter Mohan along with the authors of Bloodstream Ties.

Although he was not obliged to do this, Peter has stored me involved right from the start. He?d me come to the writer?s room in early stages and talk to the authors concerning the figures and just how they interacted. I had been incredibly honoured to possess him request me to create among the first season episodes ? episode nine, STONE COLD ? and throughout that process he was patient and informative and prepared to use time he certainly did not need to spare that helped me to allow it to be the very best episode possible. He arrived to the show loving the books and that is proven in everything he?s done.

3. During the set perform the stars or director solicit your input?

While I am around the set, I am doing my better to avoid the way. The stars and also the director will work ? and dealing very difficult, the hrs in television are insane ? they are saying hi after which virtually ignore me.

4. I loved that within the books Henry is really a romance author. Why the modification to graphic artist?

Regrettably, a guy ? a guy as attractive as Kyle Schmid ? sitting and looking in a computer monitor creates boring pictures. Television is really a visual medium and getting Henry be considered a graphic artist reveals a variety of visual options. Henry drawing, the books themselves, the comic store?

5. When would you really watch the show. Sunday evening with audiences? or do you receive a peak in advance to get happening your site?

Really, I am in Canada in which the show will not begin airing until August so I have looked at Dvd disks supplied by the wonderful people at Kalidescope. I have seen the pilot a minimum of twelve occasions and most of the first twelve episodes nearly as frequently. Used to do rewatch each episode on Sunday evening because it broadcast on Lifetime though after which authored your blog immediately after that. (Okay, honesty forces me to confess which i authored a couple of them early because I had been traveling plus they were held until Monday morning.)

6. Discuss your experience like a script author for Stone Cold in comparison to writing a Vicki Nelson novel.

Writing a singular is really a solitary experience. Time passes into my office and that i write roughly six hrs each day for around annually after which I send the completed book to my editor. Writing a script is really a collaborative experience ? all of the authors active in the show have input, the producers have input, the network has input, and first and foremost, the folks responsible for the check book have input. (There?s never enough within the budget to shoot anyone?s initial concept however, you may as well goal high.) Using the book, there?s very little change between things i submit and that which you read. However with scripts, change is constant. Scripts aren?t written sequentially, they are written at the same time in order each one of these goes prior to the camera, changes cascade throughout all of the following episodes. Peter has rewritten lines of dialogue as the cameras are moving.

I greatly enjoy novel writing however i had a whole lot of fun writing STONE COLD and I am incredibly grateful to possess received the chance.

7. What?s the allure from the paranormal for you personally?

I initially authored a vampire novel because I needed to re-locate from the city and to achieve that, I desired a home loan. I had been your book shop at that time and that i observed that vampire visitors are really faithful to their genre. They?ll read anything with some fangs around the cover with the hope of finding something decent and so i believed that basically authored a great vampire book, I?d come with an audience. And That I did.

8. What?s been completed to modernize your Vicki Nelson books for Bloodstream Ties?

Among the couple of stuff that really dates the Vicki Nelson books may be the total lack of mobile phones and also the internet. Have been put into the show. The cultural references are current ? rather than mid-90s ? although Peter wouldn?t allow me to have Coreen say, ?Dude.? (I?ll repeat the process must i have a chance to create another script.)

9. How has got the TV series affected the recognition from the print books? I understand they?ve been republished.

The Television series, particularly the truth that it has been proven on Lifetime, has introduced me numerous new visitors. Lifetime?s usual demographic did not are usually fantasy and sci-fi visitors and although ?paranormal romances? have grown to be extremely popular recently, Bloodstream Cost arrived on the scene in 1991 ? it?s 16 years old. Whether it could learn to parallel park, it might obtain a license. There is a whole generation of visitors finding the books who have been far too youthful to see them to begin with ? and most of them appear to become a little annoyed concerning the ending. This fall, DAW is going to be resale the books with Bloodstream Ties tie-in covers.

10. It appears in my experience the Vicki Nelson tales then Joss Whedon?s Buffy began a trend with strong female lead figures getting together with vampires of the underworld and told with large dollops of humor. Any ideas on that?

I?d be thrilled and honoured that need considering part of any movement which involves Joss Whedon ? I?d provide the guy a kidney if he wanted one. Because I live in the center of nowhere, I am a bit from touch with what is happening within the genre in general but I know that paranormal romance books have grown to be among the top entertainers on the market and when I had been among the individuals who started that off? well, that?s pretty awesome.

11. Other things you want to tell the library community concerning the Vicki Nelson books or even the Bloodstream Ties series?

There has been numerous people who?ve expressed dismay in the alterations in the books. Let me help remind them the books haven?t transformed. Regardless of what Bloodstream TIES does, whether it runs for six seasons or simply will get the main one, the show does not modify the books. They are exactly like these were after i authored them and you will reread them whenever. Whether it helps, think about the show because this incredible alternative world that increases the mythos when i authored it instead of takes away from it.

Generally, Let me say interesting support. Libraries virtually stored me sane as i was becoming an adult and also the believed that my books have reached libraries is among the best areas of the entire business.

Source: http://reference-paranormal.chailit.com/interview-with-tanya-huff-author-from-the-vicki-nelson-vampire-books.html

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Just what exactly Individuals must Be familiar with Uncertified ...

If you find the laws guiding accredited student loans are way too restricted, you then have a way to avoid it. You can find student education loans which aren?t influenced by way of government legislation.

Legislation the united states necessitates that the Federal money intended for immediate university student loans are utilized only for education and other related expenses. The loan amount of money really needs to be professional from the classes prior to it being paid, that is, the helpful organization should examine the amount of the loan has to satisfy exclusively fees associated with schooling.

Professional loans will be cleaned through a focused paying off house named the National Education loan Reference. Universities plus lenders who seem to be eligible get access to that protected repository. Loan providers can easily look into the system that the university student provides signed up for assure how the amount of the loan is not over the price tag on method with this specific university. Loan providers also can examination if thez student is receiving almost every other finance and therefore the actual money acquired is just used in the purpose of knowledge.

The visible difference in between uncertified as well as authorized student education loans is the fact that in the matter of aforementioned, the cash just isn?t published towards pupil, that?s a debtor, although for the education. The college, in return, remits the cash to the past or present student?s bank account. When there is any cash remaining, it can be given to trainees to get training linked bills for instance alternative charges, materials in addition to ebooks. Regarding your uncertified education loan, the student might utilize funds because of these expenditures when she or he desires to.

An additional advantage from the uncertified mortgage would be that the boundaries are usually more than those of this qualified personal loan. The scholar could acquire this resources with one particular head out as well as the university or even college should have not any state with how much trainees is asking for.

On the bright side, uncertified education loans appear with mortgage rates which might be higher. On the other hand, scholars opt for these loans whether they have tired all the solutions, especially because financial aid aren?t quick these days. This might be beautiful for college students which, generally, chose the rules within the fed figuratively speaking annoying.

One thing to don?t forget when you are looking for a great uncertified education loan will not be to loan excessive. The school doesn?t have any part to relax and play during this financial transaction and the undergraduate could possibly get your money directly from the loan originator. This responsibility is actually within the college student to utilize this cash for the exact purpose which is why to remain borrowed, that may be, with the settlement of university fees costs initially after which, utilize the cash left pertaining to fees associated with the actual study course, for instance textbooks, buying a notebook in addition to living expenses.

College students will be advised student loans not to misuse these capital or maybe hesitate the particular forking over involving rates.

Source: http://artikel-schrijven.com/artikelen-buitenland/health-healthcare/just-what-exactly-individuals-must-be-familiar-with-uncertified-student-loans

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Horse Riding Is A Dangerous Sport ? 69 TA - Blakealisan84's blog

[unable to retrieve full-text content]No Comments ? Tags: dressage, equestrian, eventing, horse, horse riding, Horse Riding Is A Dangerous Sport, horse training, horses, Recreation & Sports, rodeo, show jumping. Author: Heather Toms. This author has ...

Source: http://69ta.com/2012/02/horse-riding-is-a-dangerous-sport/

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IAM_magazine: #Acacia nets tens of millions of licensing dollars from #Microsoft and #Samsung following ADAPTIX purchase. http://t.co/fnKssiZ7

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#Acacia nets tens of millions of licensing dollars from #Microsoft and #Samsung following ADAPTIX purchase. bit.ly/AiElx1 il y a environ 2 heures via web

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No G20 deal on IMF cash this weekend, pressure on Europe (Reuters)

[unable to retrieve full-text content]Reuters - World economic powers told Europe on Friday it would have to do more to fight its financial crisis before they agree to provide back-up in the form of a bigger IMF war-chest.

Source: http://us.rd.yahoo.com/dailynews/rss/europe/*http%3A//news.yahoo.com/s/nm/20120225/bs_nm/us_g20

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Q & A: crock pot recipes for side dish? | Easy Food Cooking Recipes

Q & A: crock pot recipes for side dish?

Question by It ? Crock pot recipes for garnish
I need an easy recipe for crock pot overnight for a side dish to a potluck in the future. Any ideas? Best Answer:
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Chinese netizens 'occupy' Obama's Google+ page

BEIJING: US President Barack Obama's Google+ page has been flooded with messages from Internet users in China after the social networking site suddenly became accessible in the country.

Every current topic on Obama's Google+ page attracted hundreds of messages in Chinese.

Some contributors made jokes, while others said they were 'occupying' the site in the style of western Occupy campaigns, The BBC reports.

Some users appealed for the liberty of civil rights activist Chen Guangcheng, who is under house arrest.

Others asked about a recent political intrigue in south-west China, in which one of the country's top policemen, Wang Lijun, spent a day in the US consulate in Chengdu for undisclosed reasons.

Google+ is normally blocked in China along with other social networking sites as the government authorities call them 'unacceptable'.

Since Google+ was launched in 2011, software known informally as the Great Firewall had appeared to block it within China.

But on February 20 internet-users in many parts of China found they could gain access to the site.

Meanwhile, the White House has not commented on the upsurge of Chinese interest in Obama's campaign site. (ANI)

Source: http://timesofindia.feedsportal.com/fy/8at2Euq0WrJI01sd/story01.htm

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Video: Tom Petters

Billionaire Tom Petters was a respected CEO for more than a decade. His companies included iconic American brands like Polaroid, Sun Country Airlines and Fingerhut. But these legitimate businesses were purchased with dirty money. Petters' reputation wa...

Source: http://video.msnbc.msn.com/cnbc/46519472/

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Guidelines In Using For Commercial Loan Rates - Finance

Posted by publisher on February 23rd, 2012

You will discover some specifications that lending corporations and banks will ask from you. Initial, you need to present them with proof of earnings. In addition to that, they?ll also check your credit score for the reason that it?s a important element that will decide the rate of interest that suits you best. In order for you to attain the best Chicago mortgage rates, you have to have high credit score. For those who have low credit score, you could would like to work with mortgage brokers Chicago that can help you uncover the top deals for you.

When applying for a household loan, the decision can develop into tough given that you will discover a number of loans offered by several distinctive lending companies. Commercial loan rates refers o the rates that banks are willing to lend to their borrowers so they can obtain the home or property that they want.

For the processing of the mortgage, the lender will demand you to supply some official documents at the same time as individual particulars about you. Just after you?ve submitted all the requirements to them, the method of verifying the details you supplied will begin. When it really is accomplished, the bank will decide on whether or not or not you?re qualified for the commercial real estate loans that you simply are applying for. If they approve the amount that you want, you are going to now be able to have funds to buy your dream household.

Just after obtaining the loan, you will start out to face the months of repaying the loan, the principal quantity in addition to the rate of interest the bank imposed. You will find many people who uncover it tricky to repay the loan and they occasionally make default payments.? It is possible to also opt for industrial equipment financing once you are in want of equipments for your company.

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Source: http://financemarketadvice.com/2012/02/23/guidelines-in-using-for-commercial-loan-rates/

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Getting the Proper Nutrition May Be Easier Than You Think | New ...

New Health And Fitness.Org - Health Information You Can Use

In today?s society, there is a greater focus on maintaining a healthy nutritious diet. One thing people find difficult is knowing the steps to creating a nutritious diet. This article provides lots of tips to improve your diet.

People require a variety of nutrients and vitamins from their diet. However, it is often difficult to figure out how to get the right amounts of these things into your diet. Adding vitamin supplements can empty your wallet fast. Simply eating a bowl of cereal every morning is an easy, inexpensive way to get the vitamins and minerals you need. However, keep away from cereals packed with sugar and low in vitamins and minerals.

Try to eat foods that come from local farmers. Favor foods with labels that say ?locally grown? to increase the demand for local farmers? products. When food is grown locally, it is riper before picking and also usually has less use of pesticides and preservatives to help with a long journey.

You should seriously consider eating raw food. When you cook some types of food, they lose important nutrients. When it is possible, it is better to eat the food raw, as you will get maximum nutrition. Some raw items don?t taste very good in their natural state, so consider using homemade low-fat sauces or dips to add a splash of flavor. But remember that the consumption of raw meat could lead to food-borne illness.

Cereals which are nutrient-rich and low in sugar are an excellent option for a healthy meal. Unfortunately, much of the cereal?s nutrition can be dissolved into the milk you cover it with. With that said, you should also drink the milk that your cereal is in if you want to get all the nutrients from it.

Excess amounts of salt leads to fluid retention, which is not good for your health. Many foods seem to taste better with salt. Be sure to use salt in moderation because too much of it can cause plenty of health problems. This will help keep your body healthy and keep you on track with your goals.

Keep portion sizes reasonable, even if you are eating healthy foods. You will lose weight if you pay attention to the size of your portions. Consuming larger portions results in increased calories in the diet.

Be sure to count the number of times you drink soft drinks and other sugary beverages on a daily basis. Try to replace at least half of these with water. It is only too easy to inadvertently add too many calories to your diet by drinking sugary beverages; each can of Pepsi contains 150 calories! Staying on top of your beverage consumption may help you choose different alternatives.

If you are at a restaurant, you should always ask the waiter or waitress to place all of your dressings on the side. Lots of dressings contain unneeded fat and unhealthy preservatives. Choosing an oil and vinegar option is better for you and your health.

No one would argue with the fact that food needs to taste good in order to be appetizing. However, you should also strive to eat foods that offer nutritional benefits, as well. These tips show you how to upgrade your diet to improve your overall nutrition.

Ron Stucky is one of the recognized author, She has been writing different blogs on different topics like health,diet, exercise,nutrition,supplements etc . Checkout her article on MPBTODAY and MLM Lead System Pro

Source: http://newhealthandfitness.org/2012/02/24/getting-the-proper-nutrition-may-be-easier-than-you-think/

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No arrest warrant yet in Chris Brown probe (Reuters)

[unable to retrieve full-text content]Reuters - Miami officials said on Friday reports of an arrest warrant issued for R&B singer Chris Brown are inaccurate, although the singer is still a suspect in the alleged theft of a mobile phone earlier this week.

Source: http://us.rd.yahoo.com/dailynews/rss/music/*http%3A//news.yahoo.com/s/nm/20120224/music_nm/us_chrisbrown

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Easy Ideas For Easier Living With Arthritis | New Health and Fitness

New Health And Fitness.Org - Health Information You Can Use

A recent study indicated that many people believe that only older adults can suffer from the painful condition known as arthritis. On the contrary, this disease can affect adult men and women as well as children. If you are struggling with arthritis, the information in this article will offer insight into the condition.

If you have arthritis, try reducing your caffeine intake. Some people are extremely sensitive to arthritis. In those individuals, reducing the consumption of caffeine can have a positive effect on arthritis symptoms. Reduce the amount of caffeine you consume gradually to best gauge if your results will be positive ones.

For arthritis sufferers with severe range of motion issues as well as those with fingers severely affected with inflamed joints, finding and putting on supportive footwear can be a challenge. Look for shoes with Velcro closures for ease, and while backless, slip-on shoes like clogs might be tempting, make sure they are low to the ground and have a wide, stable foot bed to prevent injuries from falling.

Stretch your legs and get moving stretching your legs is a simple way to keep muscles flexible. Stretching will help you to relieve your stress and will help you maintain your daily activities. Try to keep your muscles strong and flexible. Do some simple, stretching exercise, daily will help you to be more mobile and flexible.

Whenever you dwell on something, you just make it worse. It is important in your healing process not to dwell on the bad things but instead dwell on the good things. Remember things that are important to you that you want to focus on, and take your mind off of the pain.

Occupational therapy has been known to help people who suffer from arthritis. Sometimes this kind of therapy is covered by many health insurance plans. Occupational therapy will help identify problem areas in your lifestyle and work with you to find ways to eliminate them or help you work with them to lead a more pain free life.

If you suffer from the pain of arthritis flare ups, try to remember to keep your pain relievers handy. Many pain relievers like ibuprofen can help relieve symptoms of arthritis flare ups in as little as 15 minutes. So make sure to keep a bottle of your most effective pain reliever close at hand.

Most exercise programs for people who suffer from the pain and stiffness of arthritis include range-of-motion exercises. Range-of-motion is the normal amount of distance that your joints can move in a certain direction. These types of exercises help to keep your joints flexible. Some physicians also recommend Tai Chi as an alternative to improve flexibility and increase muscle strength.

Studies have shown that calcium and magnesium supplements help to alleviate arthritis pain and other pain of the body. These minerals are recommended to be taken as a preventative more than as a painkiller. It has also been proven to help women reduce pain associated with premenstrual syndrome if taken consistently.

In many cases, becoming more knowledgeable about a condition makes it much easier to seek out treatment options that are best for each individual. By following the advice that you have just read, you will be better prepared to make the necessary adjustments to continue living with arthritis free from pain. We know you want to discover more about Arthritis Remedies, and coming up next is one thing we believe will help you in ways you do not realize, yet. Research is time consuming and hard, but we think we have come across the very best as you will soon discover. But, in fairness, we will tell you that it is easy to make crucial mistakes if you do not have the precise informaton.

To get a grip on pertinent hints about Natural arthritis cures and even on Reactive arthritis treatment, read this incredibly informative site.

Source: http://newhealthandfitness.org/2012/02/24/easy-ideas-for-easier-living-with-arthritis/

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Where To Discover Musical Lessons ? Articles Century

A lot of mother and father are baffled between music lessons at home vs. music lessons in a studio. You?ll find, naturally, opinions on which venue is Better, nevertheless it ought to be taken into consideration that both have strengths and drawbacks. Scheduling music lessons, classes, make-ups, appointments, and many more may well call for many factors: time, efforts, sources and the like.

Mother and father might be capable of monitor Where their young children are good at, and it?ll help them realize the strengths and weaknesses of their youngsters. Aside from discipline and professionalism, time management and suitable scheduling need sufficient abilities and knowledge.

Making music could be a solo act, but it is usually contingent on playing with other musicians and connecting with other individuals. It truly is normally more enjoyable, also!

Just imagine the time consumed plus the stress from driving back and forth That can be about 45 minutes to an hour! For those who would add the all round time spent from traveling, you could possibly have taken an entire lesson. At first, one would notice that music lessons at home are pricier when compared with studio lessons. Wait, you?ll find points it?s essential to have missed! In the event you think about the prices of gas and funds invest from driving back and forth to the teacher?s studio, it can surely expense you a fortune!

In addition to stimulating your thought process, the style and genre of music you favor adds a bit excitement to your social life by bringing you closer to individuals of comparable interests ? people who share your similar passions and intricacies.

Spending your hard-earned funds or investing them into a little something new may perhaps appear to make you experience a bit skeptical. But, you should also bear in mind that it only takes a bunch of courage and some good investigation to acquire the most effective music lesson scheduler and also the most reliable virtual music teacher assistant.

If you have more interest in music then you can easily make your guitar music tracks using this jamorama. Use Total hair regrowth for severe hair loss to get long and beautiful hair.

Source: http://articlescentury.com/arts-entertainment/where-to-discover-musical-lessons

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Commercial Mortgage Overview | refinance debt

At present, commercial mortgages are the ideal way to finance the development of businesses, as they provide flexible and affordable financing solutions. For businesses confronted with severe financial difficulties, commercial mortgages are the best way to avoid bankruptcy and to re-achieve stability in the market; for growing businesses, commercial mortgages are perfect for financing business changes and improvements. Commercial mortgages can be used for a variety of purposes, such as: the purchase of business premises expansion, residential and commercial investment, property development, meeting the lenders? criteria, etc.

Commercial mortgages basically refer to loans made using real estate properties as guarantee for repayment. Although commercial mortgages have similarities with residential mortgages, in the case of commercial loans the collateral (the security pledged for the repayment of the loan) is a type of commercial building or a business real estate, not a type of residential property. Consequently, commercial mortgage deals are generally closed by businesses, not individuals, and unlike in the case of residential mortgages, borrowers have to present with solid credibility and creditworthiness in order to receive a substantial loan.

The terms and conditions of commercial mortgages greatly vary from a regional perspective; for instance, commercial mortgage policies in the United States differ from those closed in the UK in aspects such as the length of the loan, the length of time allowed until balloon payment (total payoff of the loan) and so on. However, the most pronounced variations of commercial mortgages are in areas such as interest rates, which are established by the local market.

In order to get the most out of a commercial mortgage, it is crucial to pay the right attention to interest rates, the duration of the loan and the repayment schedule stipulated in the contract (these are interrelated variables that can substantially influence the quality and the efficiency of any underwritten commercial mortgage). It is important to note that there is no right or wrong way to negotiate the conditions of a commercial mortgage; however, it is crucial to opt for the repayment plan that best suits your business? needs and your financial possibilities.

Commercial mortgage interest rates can be categorized in two distinctive groups, each having specific advantages and disadvantages: commercial fixed rates and commercial variable interest rates. Commercial fixed interest rates are ideal on the premises of continuously rising interest rates on the market; they are preferred by business owners who want to stabilize the monthly payment amount. By choosing a commercial fixed rate, one can also incur an ?early redemption charge? (ERC), which basically acts like this: after the previously established fixed rate period of repayment has expired, the borrower benefits from an extended period of repayment, with the condition to pay a variable rate established by the lender from that point on. The ERC has been adopted by many categories of commercial loan providers, thus allowing borrowers to overcome any emerging financial problems during the period of repayment.

The commercial variable interest rate is primarily influenced by the changes in the base rate established by the Bank of England. This type of commercial interest rate also fluctuates according to the local market rates and other factors, and should be avoided in highly unstable markets. Before choosing commercial variable interest rates for your loan, it is crucial to do an extensive research of the market in order to efficiently forecast the short-term and long-term evolution of the market interest rates. If the market prediction is favorable and the interest rates are expected to drop significantly, then the variable interest rate is the indicated choice; otherwise, one should opt for the fixed interest rate.

The process of closing the right commercial mortgage deal has many subtleties and involves performing an entire series of specific tasks. In order to get the most out of a taken commercial mortgage and to overcome any impediments over the period of the loan, it is crucial to employ the services of a prominent, highly reputed commercial mortgage brokerage company.

For more resources regarding more Commercial Mortgages subjects we recommend you clicking this link.

Source: http://refinance.maxmoneymarketing.com/debt/commercial-mortgage-overview/

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Chavez going to Cuba on Friday for cancer surgery (Reuters)

[unable to retrieve full-text content]

Reuters - Venezuela's ailing socialist president, Hugo Chavez, will fly to Cuba on Friday for an unknown period to undergo new cancer surgery that has shaken the South American nation before an October presidential election.

Source: http://us.rd.yahoo.com/dailynews/rss/latam/*http%3A//news.yahoo.com/s/nm/20120223/wl_nm/us_venezuela_chavez

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Corra Group Increases International Business Credit Reports for ...

Thu, February 23rd, 2012 - 5:53 am - By Gordon Basichis

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Corra Group has expanded its services to offer corporate credit reports for businesses nationally and internationally. The corporate credit reports assist companies in evaluating the credit risks of new clients as well as older clients who had experienced tough times during the economic downturn.

?We are seeing the economy start to turn around,? said Gordon Basichis, Corra Group Co-Founder. ?And with the economic rebound, more industries are ramping up as they are approached by new and existing clients in need of goods and services. But after a rocky couple of years, we are finding that many businesses are approaching new business much more cautiously than before the recession.

?

Here is the link to the rest of the article for Corra Group.

Source: http://dailyplanet.corragroup.com/2012/02/corra-group-increases-international-business-credit-reports-for-rebounding-economy/

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T-Mobile asks FCC to block Verizon-cable deal

NEW YORK (AP) ? T-Mobile USA, which just had its acquisition by AT&T blocked by regulators, is urging the federal government to block another deal in the wireless world: Verizon's planned purchase spectrum from cable companies for $3.9 billion.

In a filing late Tuesday, T-Mobile USA said the Federal Communications Commission should stop the deal between Verizon Wireless, Comcast Corp., Time Warner Cable Inc., Bright House Networks and Cox Communications because it would place an "excessive concentration" of wireless spectrum in Verizon's hands.

With more wireless spectrum, a phone company can raise download speeds and serve more data-hungry devices like smartphones and laptops with cellular broadband.

Verizon Wireless, the country's No. 1 cell phone company, already has a relatively large amount of spectrum, while T-Mobile, the No. 4, does not.

MetroPCS Communications Inc., the fifth-largest cellphone company, also urged the FCC to block the deal. It said the parties had not provided enough information to prove that the acquisition was in the public interest.

Nine public interest groups filed their own motions to block the deal on Tuesday, ahead of a filing deadline on Wednesday.

Sprint Nextel Corp., the No. 3 carrier, took a more measured stance. It didn't ask the FCC to block the deal outright, but said the agency should look closely at the wider implications of the deal, including the provision that Verizon Wireless and the cable companies market each other's products in their stores.

The cross-marketing has already started in some areas, with Verizon Wireless stores selling Comcast cable service and Comcast stores touting Verizon cellphone plans.

Analysts hailed the co-marketing agreement as a historical shift, because phone companies and cable companies are usually bitter rivals. Verizon Communications Inc., the New York-based majority owner of Verizon Wireless, still competes with the cable companies in providing pay-TV and broadband service.

Last week, a New Jersey's Division of Rate Counsel, a state agency that advocates for consumers, asked the FCC to block the deal, also citing the spectrum accumulation issue.

Verizon Wireless has defended the deal, saying it means unused spectrum will become available to wireless subscribers.

In early December, Verizon Wireless announced a deal to buy spectrum from Comcast, Time Warner Cable and Bright House Networks for $3.6 billion. The cable companies had bought the spectrum jointly at an FCC auction in 2006, with loose plans to start a wireless company or form a joint venture with one. Those plans never came to fruition.

The parties said they hoped to close the deal by the middle of this year.

Verizon later struck a similar but separate deal to buy spectrum held by Cox for $315 million. Cox had started setting up its own wireless service, but gave up last year, saying it would be too small to compete against the big cellphone companies.

Shares of Verizon Communications slipped 27 cents to $38.22 in morning trading Wednesday.

Source: http://www.fox43tv.com/dpps/money/business_news/t-mobile-asks-fcc-to-block-verizon-cable-deal-nt12-jpe_4079890

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Video: GOP race becomes comedy show for late night TV

Sorry, Readability was unable to parse this page for content.

Source: http://www.msnbc.msn.com/id/3036697/vp/46472179#46472179

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TNT posts 4th-quarter loss, no mention of UPS (AP)

[unable to retrieve full-text content]AP - TNT Express NV sidestepped questions Monday about a hostile UPS takeover bid, announcing instead an abrupt switch in strategy to focus on its European operations after posting a large fourth-quarter loss partly due to problems at its Brazilian arm.

Source: http://us.rd.yahoo.com/dailynews/rss/earnings/*http%3A//news.yahoo.com/s/ap/20120221/ap_on_bi_ge/eu_netherlands_earns_tnt_express

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Various branding options to pursue for promoting your business ...

What does your business need to succeed? This is a question asked by many new start-up entrepreneurs desperate to escape the daily grind and work towards creating a sustainable business that they hope will one day put them in a position to leave their job and earn a full-time income doing something the love. However, starting up in business is never an easy task and it?s essential before you make a start to have some form of company branding in place and then market this branding in unique and innovative ways that will encourage consumers to look at your online presence or visit your storefront.

Some of the more obvious options when starting up in business include purchasing business cards, flyers, pens and maybe even notepads all of which will include your company branding. These items are, needless to say, very useful when it comes to attending networking events and also when having something easy and simple to offer to existing customers with a view to helping them remember your store presence and hopefully return to buy from you again. However, quality can differ markedly and before choosing a particular designer or company to publish your materials it?s important to browse around for testimonials and to look at the various price points in the marketplace ??? it?s important not to always opt for the cheapest option, but it?s also important to make sure you don?t end up out of pocket either.

One increasingly popular option is to use point of sale websites or provider to print business cards or marketing materials on your behalf. If you have some experience using graphics packages then by all means have a go at designing your own materials and then send them on to your company of choice for printing.  However, this is a very important consideration, you don?t want to end up with sub-standard products ??? always be careful when it comes to branding your company and make sure the products you are purchasing are of quality and will create the right impression.

Source: http://handsontherapy.biz/archives/1726/various-branding-options-to-pursue-for-promoting-your-business/

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Fohnhouse.com | Movies, TV, Art & Entertainment: The Best Exotic ...

The Best Exotic Marigold Hotel (2012)

When you see a cast list like this on a poster covered in smiling faces and sunshine, it?s tough not to make a couple of assumptions. First: they probably had a great time making it. Second: it might best be suited for a Sunday afternoon DVD viewing rather than a trip to the cinema. But we put assumptions aside to check it out.
A group of retirees decide to relocate to a retirement hotel in India. Widowed Evelyn (Judi Dench) wants a new start. Douglas (Bill Nighy) and Jean (Penelope Wilton) are desperate to avoid the depressing English old folk?s home. Madge (Celie Imrie) is looking for a wealthy new husband, while Norman (Ronald Pickup) is looking for a last fling. Graham (Tom Wilkinson) is looking to reconnect with a childhood love, while racist Muriel (Maggie Smith) is reluctantly going to get a hip operation. But while the Best Exotic Marigold Hotel may be unfinished, owner Sonny (Dev Patel) is desperate to succeed and prove his worth to his girlfriend, his mother, and himself.As we said, you?ve got some idea of what you?re getting with a film like this. You?ve got the quality cast, you?ve got the fish-out-water plot with the English thesps exploring the exotic locale, and you?ve got a big heart beneath it all. We can report that, in the best possible sense, The Best Exotic Marigold Hotel is what you?d expect. The cast is excellent and the script by Ol Parker (based on the novel These Foolish Things by Deborah Moggach) is witty and provides a couple of much-appreciated twists on a familiar formula. It?s refreshing to see a film about the issues facing retirees today even if John Madden is occasionally guilty of getting too close to shooting a tourism advert for India.Dench enjoys a rare lead and, after so many films that have taken advantage of her frostiness, it?s nice to see her show her softer side. Nighy plays the down-trodden but slowly blooming Douglas very nicely, though it would have been better if Wilton?s spiteful Jean was a little more developed. Wilkinson does lovelorn well, and Imrie and Pickup have great fun as the prowling senior singles. Finally there?s Patel (Slumdog Millionaire), who gives an energetic, funny and appealing turn as the desperate but determined Sonny, and Dame Maggie Smith, the not-so-secret weapon, puncturing the general air of luvviness beautifully as the acidic Muriel.At two hours it stretches the material a little thin but it?s difficult to complain too much when the time is spent in such good company.? It may not be especially challenging or surprising but it?s an tremendously warm, pleasant, and enjoyable film.Verdict: In the best possible way, it?s exactly what you?d expect.

Source: http://fohnhouse.blogspot.com/2012/02/best-exotic-marigold-hotel-2012.html

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How RIM could learn from Ubuntu, and why it needs to before it's too late (Digital Trends)

[unable to retrieve full-text content]Digital Trends - Today Ubuntu announced Ubuntu for Android, an app that will sync all your Android apps into a Linux-based interface. The new app is the latest step in the platform???s expanding mobile agenda, part of Ubuntu???s multi-screen agenda. ???This isn???t the ???Ubuntu Phone,??? as Canonical???s Mark Shuttlesworth puts it. ???The phone experience here is pure Android. This announcement is playing to a different story, which is the convergence of multiple different form factors into one most-personal device.???

Source: http://us.rd.yahoo.com/dailynews/rss/tech/*http%3A//news.yahoo.com/s/digitaltrends/20120221/tc_digitaltrends/howrimcouldlearnfromubuntuandwhyitneedstobeforeitstoolate

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Latest Xperia U (ST25i) leak shows 2012 Xperia family portrait

The latest images of the already extensively-leaked Sony Xperia U show a comparison with its big brother, the Xperia S. The Xperia U -- also known by its model number, ST25i, or its codename, 'Kumquat' -- is expected to be Sony's principal mid-range smartphone for 2012. Today's images mostly confirm what we already know -- that the Xperia U will share a number of design cues with the Xperia S, most notably the transparent notification bar at the bottom of the device.

Spec-wise, the Xperia U is rumored to pack a 1GHz dual-core CPU, a 3.5-inch qHD or WVGA display and 512MB of RAM, with a 5MP rear camera. Like the Xperia S, it'll run Android 2.3 Gingerbread with the latest Xperia UI, and we'd expect a bump up to Android 4.0 soon after release.

We're expecting to see the Xperia U unveiled at Sony's Mobile World Congress press conference next Sunday in Barcelona. In the meantime, you can find more photos after the jump.

Source: XperiaBlog

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Source: http://feedproxy.google.com/~r/androidcentral/~3/t_CEdhXi-yw/story01.htm

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