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Source: http://www.superxofficial.com/2012/09/stalley-feat-rashad-last-day-on-mt.html
Monday, September 3, 2012
Sunday, September 2, 2012
5 Ways to Torpedo Your Retirement ? Financial Freedom
Good Day,
It?s simply a miracle how some of us get to live a full retirement life with all the mistakes some us put ourselves through. A survey that was done recently found out that only a few retirees die while broke, this is good news. But I hope this will not mean that you stop paying attention to your retirement, because the laws governing retirement benefits keeps on changing every now and then, and with Social Security needing a serious review, now is the time to be extra vigilant when it comes to your retirement. There are a number of ways one can jeopardize their retirement, by the actions they either, knowingly or unknowingly, perform over the years. And as the years go by, and with the government transferring retirement contribution more and more to the individual, it is time everyone took responsibility for their own retirement, ensuring that you have what it takes to have a successful retirement. As Neal Frankle explains in the following article, there are five ways a person can affect the value of the retirement.
Couples who work hard all their lives often eagerly look forward to retirement. But working for 30 or more years doesn?t guarantee that you will be able to retire comfortably. Here are five common retirement planning errors that generally torpedo your ability to retire.
1. Too much debt.
Having debt is not the kiss of death for your retirement. But high interest debt such as credit card debt could be, especially if you can?t figure out how to get out of debt and begin saving for the future. It?s extremely difficult to invest for retirement when you are still paying off past purchases.
2. Spend your retirement savings on college.
Some couples make it a financial priority to pay for their children?s college so that they will not begin their careers with debt. However, when you tap your home equity, stop saving for retirement, or even raid your retirement accounts to pay for your children?s college, you may be sacrificing your own retirement security. On top of that, you will be missing a golden opportunity to teach your kids about money. There are a variety of ways to finance college, but you can?t take out loans for retirement.
3. No emergency plan.
Most of us are completely dependent on the money we receive from a single job. Losing that job can easily exhaust your savings and jeopardize your entire financial plan. It?s important to develop an emergency fund and plan before you hit those stormy waters. Consider taking on a second job or developing a side business to diversify your income streams in case a layoff should occur.
4. No long-term investment strategy.
Some people change their investment allocation based on the latest financial news. This can be a huge mistake. If you pulled money out of equities when the market tumbled in 2008, you also didn?t take advantage of the market recovery that has since occurred. Retirement savers need to accept that there will be fluctuations in mutual fund performance and invest for the long term. The only way to combat this type of emotional investing is to have a well thought out investment plan for retirement income that balances financial needs with emotional demands. Then you need to stick with that investment plan throughout financial storms.
5. No retirement plan.
The most dangerous mistake individuals can make is having no retirement plan. Financial plans are not set in stone and you won?t be able to foresee every contingency. But having an approximate roadmap you can follow is better than having no plan.
You can be smart, responsible, and hard-working and still end up without enough resources for a secure retirement. In order to make sure this doesn?t happen to you, take the time to put together a plan, track your spending, and don?t get into debt if you can help it. Think through your investment strategy and stick to it even when you feel tempted to change it.
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I'm an introvert, but I like to meet new people and learn new things about them, and also I like traveling to see how other people live. On the professional front, I'm in the financial field and I've always been interested in finance. View all posts by kenndunguSource: http://kenndungu.wordpress.com/2012/09/01/5-ways-to-torpedo-your-retirement/
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Real Estate - Business Financial Plan
Real Estate can be defined as a kind of business or as a tangible asset. Now as a tangible asset, it can be defined as a property which can only consist of land or a land which also has houses and buildings built over it. These are all real and immovable things and thus the name Real Estate is given to it. Now as a business, Real Estate can be defined as the profession, where the buying, renting or selling of land and housing is involved. Real Estate is a very lucrative and promising sector for people to earn money, especially in Developing Nations like India.
There are many advantages of Real Estate. This is a sector which is usually free of external economic factors like Recession as Land & Property are things which are always in huge demand due to rising population. Real Estate is also a very safe Investment Option as compared to the riskier Stock Markets Sector. Usually, the price value of a property increases with time, just like wine gets richer in its content the more old it gets.
There are some disadvantages of Real Estate as well. Inflation is an economic factor which at times shoots up the prices of a particular property and if it?s not located at a favorable place then this can affect the sales of that property. It?s so as buyers alias customers in Real Estate want a good Return on Investment (ROI) even in Real Estate just like other Investment Options. Improper Land Acquisition Policies followed by any Real Estate Developer can also hamper the price value and reputation of a property like land or any establishment like buildings and bungalows.
Real Estate involves putting a huge amount of money into buying a Real thing like a flat, bungalow or land instead of Conceptual things like Shares. This is the reason that a buyer should properly investigate about the past & present of a land, its area, infrastructure and other essentials involved with it. Now taking online help from Real Estate Sites and Reputed Real Estate Consultants is also very important. After all, Real Estate is a serious business and not a matter of joke for individuals, families and organizations.
Source: http://businessfinancialplan.blogspot.com/2012/08/real-estate-lucrative-sector-for.html
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Mitt Romney asks America: Was Obama's election his high point?
In his speech at the GOP convention, Mitt Romney said that Barack Obama brought a powerful promise of hope but has delivered little as president. Romney also opened up about his faith.?
Republican presidential nominee Mitt Romney acknowledges delegates before speaking at the Republican National Convention in Tampa, Fla., on Thursday.
Patrick Semansky/AP
EnlargeIn the most important speech of his political life, Mitt Romney touted his executive experience, his strong family, and a devotion to community born of deep religious faith as he accepted the Republican nomination for president.
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Mr. Romney looked back to a more optimistic time ? the day nearly four years ago when President Obama was inaugurated, when ?hope?and change had a powerful appeal.?
?But his promises gave way to disappointment and division,? said Romney, likening Mr. Obama to President Carter, who was defeated in 1980 after one term. ?This isn't something we have to accept. Now is the moment when we can do something. And with your help, we will do something.?
With unemployment stuck at or above 8 percent for the past 42 months, the former governor of Massachusetts promised to create 12 million new jobs in the next four years. Romney outlined a five-step plan to achieve that goal: energy independence by 2020; job training and education; new trade agreements; deficit reduction; and promotion of small business.
Romney also opened up a little about his extended Mormon community in an apparent effort to strike a more personal tone and warm up his image with voters. He has long struggled on ?likeability? compared with Mr. Obama, who still scores well on that measure despite tepid job approval.
He downplayed his Mormon faith, as it makes some Americans uncomfortable; some evangelicals, a critical element of the Republican base, are outright hostile to his church though increasingly willing to accept that dimension of Romney in the name of defeating Obama. But at this pinnacle of Romney?s five-year quest for the GOP presidential nomination, he sought to make it a positive ? the center of tight-knit family life, charity, and community-mindedness.
?He spoke of finding kinship ?and a wide circle of friends? through his church when he and his wife, Ann, moved to Boston.
?When we were new to the community, it was welcoming, and as the years went by, it was a joy to help others who had just moved to town or just joined our church,? Romney said.
?We prayed together,? he continued, ?our kids played together, and we always stood ready to help each other out in different ways.?
Earlier in the evening, it was several friends who provided the moving, specific examples of how Romney served his Boston-area Mormon community as a bishop, or lay pastor, ministering to a gravely ill teenager, a family with a severely premature baby, or a situation as simple as an elderly woman who had fallen and needed to be looked in on.
?He had a listening ear and a helping hand,? said Grant Bennett, a decades-long friend from Belmont, Mass., and fellow Mormon. ?Drawing on the skills and resources of those in our congregation, Mitt provided food and housing, rides to the doctor and companions to sit with those who were ill.?
Romney?s parents also figured prominently in his pitch for the presidency. But it was not just the accomplishments of his father, George Romney, a one-time auto executive and governor of Michigan, that he highlighted. In addition, he spoke of his father?s support for his mother, Lenore, when she ran for the Senate ? a clear appeal to women voters.
?My dad was there for her every step of the way,? Romney said. ?I can still see her saying in her beautiful voice, ?Why should women have any less say than men, about the great decisions facing our nation?? ?
Romney then segued into a list of the diverse, high-profile women who have spoken during the convention, including former Secretary of State Condoleezza Rice, and New Mexico Gov. Susana Martinez. And he noted all the women he put in top positions, both in government and in business, including his lieutenant governor in Massachusetts.
Romney?s founding of a highly successful business, Bain Capital ? the primary source of a personal fortune totaling up to $250 million ? also figured prominently in his speech.
?That business we started with 10 people has now grown into a great American success story,? he said, mentioning Staples and Sports Authority, among others.??
Inevitably, Romney also went after the man he hopes to replace in the Oval Office.
?How many days have you woken up feeling that something really special was happening in America?? Romney said. ?Many of you felt that way on Election Day four years ago. Hope and change had a powerful appeal.
?But tonight I'd ask a simple question,? he continued. ?If you felt that excitement when you voted for Barack Obama, shouldn?t you feel that way now that he?s President Obama? You know there?s something wrong with the kind of job he?s done as president when the best feeling you had was the day you voted for him.?
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Saturday, September 1, 2012
New Mexico democrats prep for convention in Charlotte
KOB.com Friday 31st August, 2012
Posted at: 08/31/2012 7:06 PM | Updated at: 08/31/2012 7:08 PM By: Stuart Dyson, KOB Eyewitness News 4 While New Mexico Republicans are returning from their party's national convention in Tampa, Fla. some of the state's leading Democrats are heading to Charlotte, N.C. for their convention. Fifty Democratic delegates and their guests are going for a short three day convention that will officially start Tuesday after plenty of opt...
Read the full story at KOB.com
Source: http://www.albuquerquenews.net/index.php?sid/208794059/scat/2fc3b2cae8166470
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Driverless cars get a push from California legislators
9 hrs.
Legislators in California have begun the process of legalizing self-driving?vehicles on the state's roads with a bill requiring the DMV to set safety and performance guidelines for them. Nevada did it last year, but?California's larger market and influence could help set standards worldwide.
The bill, SB 1298, was passed unanimously by the state senate Wednesday and should be on the governor's desk soon. This short?bill only sets out some basic requirements for the California DMV and Highway Patrol to work with:
The State of California, which presently does not prohibit or specifically regulate the operation of autonomous vehicles, desires to encourage the current and future development, testing, and operation of autonomous vehicles on the public roads of the state. The state seeks to avoid interrupting these activities while at the same time creating appropriate rules intended to ensure that the testing and operation of autonomous vehicles in the state are conducted in a safe manner.
(d)?Toward that end, the Legislature finds it appropriate to authorize the establishment of specific safety requirements for the testing and operation of autonomous vehicles, and to require that future testing and operation of autonomous vehicles in the state comply with those requirements.
Any regulations and standards later developed for the DMV to enforce will likely be the subject of much scrutiny and debate, but SB 1298 should have no trouble being signed by the state's governor, Jerry Brown.
Autonomous vehicles are already rolling around the state, of course: Google, based in Mountain View, has been working on them for years, and has even tested them out on city streets in San Francisco. The new law won't change much for them; in fact, with Google's?experience designing self-driving cars, Google and other companies will likely be as integral to the discussion as the Highway Patrol.
There's no specific time?frame, and of course it will be quite a while before autonomous vehicles will be sharing the road in anything more than a tentative manner.?
Devin Coldewey is a contributing writer for NBC News Digital. His personal website is coldewey.cc.
Source: http://www.nbcnews.com/technology/gadgetbox/driverless-cars-get-push-california-legislators-972896
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Glossary
So, this thread is dedicated to defining all of the terms and such things that will arise in the roleplay, everyone is free to come and add their own things here too. This is just to start us off. . . .
The Following of the Great Mother
The dominate church within Portum Animas. Founded around the belief that the destruction of Viridis Mater was the doing of humanity, and the notion that the planet itself saved all the lives that came to be upon Manus Luna, the Following was once a benevolent sect of people who believed in what they preached. Over the years, and after the founding of Portum Animas, the church served as a guiding influence in the development and building of the city. Due to their deep-rooted influence within the city, the general populace of Portum Animas still finds themselves feeling a connection to the Following. As such, it?s common and easy for the church to sway the opinions and beliefs of people nowadays.
However, in the recent years, no one has quite come to realize just how very different the church has become since its initial founding. Matters regarding the Gifted and such are a very cut and dry topic as far as the Following is concerned; they strictly view the Gifted as being influenced and as people who?ve been corrupted by Discordic; the being they view as their devil.
In line with their supposed will to do good for people, the Following offers up healing services for people who have been injured or who suffer from physical problems by means of the Passively Gifted that work for them.
The Gifted
A sect of the population within Portum Animas whose natural powers have taken a turn for the drastic. Unlike those who are normal, these people have developed their powers to inhuman levels. These are people who are considered to be dangerous and are called out by the Following, and are considered to be evil, and are named as such. In order for the Following to maintain control over the populace, and to keep panic from inciting, they give out a false explanation for why the Gifted are born, and why it is that their powers are so different from everyone else?s.
The Gifted are not treated as human by any means if they are discovered as such. The Following has twisted the minds of so many people in Portum Animas, that even families will turn against their own if they are found out as a Gifted. They have no rights to speak of, none at all. More often than not, if a Gifted is discovered out and reported to the proper authorities, they are detained, and taken in for ?cleansing.? Because it is believed by so many that the Gifted have had their senses warped and distorted by Discordic, and that they have been twisted to want to cause misfortune and chaos with their powers, the Gifted are feared. Greatly feared by many.
Once a Gifted has been detained by the church and government, that is often the last time they are seen by their families and friends. Despite the fact that they are suppose to taken in to undergo a process called a ?cleansing,? it is a known fact that most who have to go through this process do not survive, as it is explained by the church that cleansing one of Discordic is a dangerous and near fatal process. . . . Those Gifted who have been successfully cleansed, and survive often wind up going into service of the Following, as their powers will have taken a turn from destructive, and with their souls freed of Discordic?s evil and corruption, they would?ve seen the ?light,? and come to serve the Following in order to absolve themselves of their sins. Those Gifted who?ve survived their cleansings are noted as ?Passive Gifted? due to the change their powers undergo.
Cleansing
A process employed by the Following in order to purge the evils of Discordic from the souls of those he has corrupted; otherwise known as the Gifted. The exact details and steps of this . . . process are unknown but to a select few individuals within the church who have been trained specifically to carry it out. It is said to be a very hard, very thing to both undergo and to carry out on a person, as it pits the employer?s soul against the corrupted soul of the Gifted. The Following explains a cleansing to be so harsh due to what must happen in order for Discordic?s grasp upon the afflicted?s soul to be relinquished. It is said that during this process, the soul of the one carrying it out and undergoing it must be called from their body, and because an average person has not had the training to undergo a separation of their soul from their body, when Discordic?s hold has been terminated upon them . . . the soul slips away.
It loses touch with its body and ascends to the afterlife, leaving the Gifted as good as dead. There are a few select people though who?ve been strong enough to remain alive through this, and have their souls cleaned of evil?s touch. These are the Passively Gifted; often after they?ve undergone their cleansing, they come to aid the Following with their changed powers. They will have gone from possessing powers of destruction, to being capable of ?constructive? things, such as being able to heal others. It is believed by many that those individuals who?ve been trained to carry out the cleansing process are themselves some of the few individuals who managed to survive it, and become a Passively Gifted.
Passively Gifted
These are the Gifted who?ve undergone the cleansing process and managed to survive it intact. With their souls eliminated of evil, they are more or less always found working for the Following, using their purified powers to go good. Unlike their selves prior, they possess no destructive powers or abilities that could be used to harm anyone, instead, their powers are useful for doing only things such as healing wounds and such. Healing services are offered by the church because of the powers of these people.
Harmonia
The Great Mother whom is worshipped by the Following, she is the central figure in their stories and religion. Believed to be the being which embodies the will of the planet itself, she is seen as a benevolent mother figure in every story, and the Following believes she saved humanity from itself long ago, and still loves them dearly. She is the patron Goddess for the Following, and the majority of Portum Animas honors her.
Discordic
The being whom is believed to have been spawned of humanity?s own evils a millennium ago. A destructive and chaotic force, he is viewed as a demonic presence who very nearly destroyed all of humankind before, and is thought to be the reason that the world below Manus Luna vanished into a sea of toxic clouds. Despite being defeated at the hands of Harmonia, Discordic is still viewed as an active threat in the world; so long as humanity exists, so will Discordic?s evil. Because it is explained and believed that Discordic is the reason that the Gifted exist, the Gifted are regarded with terrible treatment and are viewed as an incarnation of Discordic himself.
The Sanctified
These are the people who carry out the process of Cleansing within the Following. They are sparse and few, and have been rigidly trained in order to carry out their jobs without a problem. These people are rumored and are believed to be some of the few Gifted who managed to survive a Cleansing themselves, and are truly thought to be Passively Gifted individuals.
"Being polite isn't the only virtue for a girl. If you can't break out of a fort or two, no man'll want to marry you." - Yurisica, from Ar tonelico Qoga: Knell of Ar Ciel
Source: http://feedproxy.google.com/~r/RolePlayGateway/~3/HYZUAsMkn9Y/viewtopic.php
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