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Monday, September 3, 2012

Better off now than 4 years ago? Romney launches aggressive GOP response during Dem convention (Star Tribune)

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Ellen Degeneres Meditates, 10 Ways To Eat Tomatoes, and More ...

Happy Sunday! As always,?Links We Love?brings you our favorite?health?and?fitness?inspiration from around the web. This week, we highlight Ellen DeGeneres? thoughts on meditation, and creative ways to eat our favorite summer veggie. We want to show some love and share kick-ass content in the wellness world, so here are our picks:?

Fitness

5?Reasons To Abandon Balanced Training ? Gold Medal Bodies
Think the key to a successful workout is doing a little bit of everything? These guys argue that a balanced workout plan may spread ourselves too thin.

Health

Six Low-Fat Dressings Just As Healthy As Your Salad?? Hella Wella
Don?t ruin those healthy greens with an extra spoonful of ranch. Try these healthy dressing ideas that?ll spice up any salad.

Happiness

Working Out Doesn?t Just Make You Stronger, It Makes You Smarter ? FastCo Exist
Hit the gym instead of hit the books? Check out this cool infographic that explains how exercise can boost brainpower.

Blog Spotlight

10 Ways To Eat Tomatoes?? dailySpark
Slice em, dice up, make a sauce, soup, and more.

Grab Bag

Ellen Degeneres On the Benefits of Meditation [VIDEO] ? Intent Blog
If Ellen can meditate, so can we.

Source: http://greatist.com/team/links-we-love-09-02-12/

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Sunday, September 2, 2012

Payday Loans - Identify The Line Between Rare ... - Eric Finance

Payday Loans - Identify The Line Between Rare Necessity And Indicator For Change Payday loans are a credit source of last resort. Payday loans are short-term unsecured loans; typically, payday loans must be repaid within two weeks. These emergency loans can be a lifeline for those in financial trouble, but overuse of payday loans can lead low-income workers into a never-ending cycle of debt and borrowing.

How Do Payday Loans Work?

Unlike many credit products, payday loans are not granted based on your credit score. Instead, your pay stubs are used to determine whether you?ll receive credit and how much credit you?ll receive. If you meet the minimum requirements for the loan, the payday loan office will grant you a loan. The loan must be repaid within a short time frame, typically on your next payday. In addition to the balance of the loan, you must also pay a fee to clear your account; this fee is usually a flat rate per $100 borrowed.

How to Use Payday Loans Responsibly

While payday loans are too costly to use regularly, there are times when the alternative to a payday loan is even more expensive. Some acceptable times to use a payday loan include:

- Paying off a bill before it accrues a late fee. Whether a payday loan makes sense depends upon the size of the late fee; generally speaking, if the late fee is larger than the fee on the payday loan, it makes sense to use a payday loan to avoid the late fee.

- Avoiding eviction or foreclosure. Evictions and foreclosures involve massive lifestyle disruptions that often include hefty legal bills and other financial penalties. The relatively small fees of a payday loan are a much lighter burden to bear than an eviction or foreclosure.

- Avoiding service interruptions. Losing access to an essential service, such as electricity or water, is a major disruption. In addition, utilities often charge a large fee to restore your service after it has been turned off.

When Are Payday Loans Risky?

A payday loan is always risky; however, there are certain situations that magnify the risk of a payday loan. If you?re barely making it from paycheck to paycheck, then payday loans are quite risky. Each payday loan chisels a small piece of your future paychecks away. With repeated use, you may find that a large chunk of your paycheck is needed to repay your payday loans.

If you work variable hours and can?t depend on consistent paychecks, then payday loans can be very risky. Two consecutive small paychecks can lock you into a cycle of loan payments that can be difficult to break.

How To Recognize The Warning Signs of Overuse of Payday Loans

There are several ways to tell if you?ve been overusing payday loans:

- The employees at the payday loan office know you by name. Payday loans should be a tool of last resort; you should not be so familiar to the employees that they know you.

- You find yourself taking out a payday loan for a want. Payday loans should not be used to buy a gaming console or a new pair of shoes. You?re better off simply saving your money and buying the item with your own money.

- You take out a payday loan to repay a previous payday loan. If you find yourself doing this, make a plan immediately. You?re locked into an unsustainable pattern of debt; eventually, it will catch up to you. Make whatever changes you must to break out of this toxic cycle.

Payday loans are a risky financial instrument, but in the right circumstances they can be a valuable emergency resource. With responsible use, payday loans can become an invaluable tool in your financial toolkit.

About the Author
This article was written by budgeting expert Joe McGowan from SaveMyBacon Loans Joe writes about personal finance and budgeting on a number of other money saving sites, and is passionate about helping people save money.

Source: http://www.ericfinance.com/payday-loans-indicator-change/

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Biden Calls Romney 'Out of Touch' on Foreign Policy

YORK, Pa. -Vice President Joe Biden went on the attack today against Mitt Romney's foreign policy positions, calling the Republican presidential candidate "out of touch."

"Listen to what he says about foreign policy, you caught some of it in his speech. He said it was a mistake to end the war in Iraq and bring all of our warriors home. He said it was a mistake to set an end date for our warriors in Afghanistan and bring them home. He implies by the speech that he's ready to go to war in Syria and Iran," Biden, kicking off his Labor Day weekend campaign spree, told a crowd at West York Area High School

"He wants to move from cooperation to confrontation with Putin's Russia. And these guys say the president's out of touch? Out of touch? Swiss bank account, untold millions in the Cayman Islands. Who's out of touch, man?" Biden continued.

Romney briefly touched on foreign policy in his acceptance speech Thursday at the Republican National Convention, saying "every American is less secure today" because the president has failed to deal with Iran's nuclear weapons and criticized the president's handling of issues in Israel and Russia.

"He's eager to give Russia's president Putin the flexibility he desires after the election," Romney said Thursday. "Under my presidency our friends will see more loyalty and Mr. Putin will see a little less flexibility and more backbone."

Biden detailed how he believes Romney and Paul Ryan's budget plans hurt the middle class and quoted former President Bill Clinton in calling the Republican ticket "Bush on steroids." The vice president also tweaked one of Ryan's lines from his speech Wednesday in which he said, "The truest measure of any society is how it treats those who cannot defend or care for themselves."

"I'd like to change the quote of my distinguished colleague, Congressman Ryan," Biden said. "I think the truest measure of a political party is how it treats those who cannot defend or care for themselves."

When Biden referred to Ryan's false claim that a Janesville, Wis., General Motors plant closed under Obama's watch - the plant actually closed while President George W. Bush was still in office - the crowd booed, but the vice president took a line from his boss to quiet them down.

"I don't need you booing, I need you voting," Biden said.

Biden's stop in York, which drew a crowd of 1,400 according to the superintendent of schools, was the first of the vice president's two-day "Road to Charlotte" tour ahead of the Democratic National Convention in Charlotte, N.C. this week. President Obama is conducting a "Road to Charlotte" tour of his own in the days before the DNC.

Saturday, September 1, 2012

RELATIONSHIP, DIVORCE AND LOST LOVE SPELLS CALL ERIC ...

Paperless at the Office: Why You No Longer Need Bulky Files at Work

Computer systems are quickly evolving with ERP software and other modern innovations so that many small businesses now consider going ?paperless.? With the help of ERP systems and other business-related software programs, business can now consider using fewer paper records and being able to store and track all necessary data through computers.

Many businesses spend quite a lot of time organizing and managing their paper files and supplies. Often companies are forced to hire personnel whose job it is to simply manage the paper trail. Although we may not think about it, using paper files can cause a business to lose money. Without the problems that go along with keeping paper records, a business would be able to focus on other, more important problems. If you have noticed that your business?s paper problems are growing out of control, it may be time to nip them in the bud. And how do you do this? The answer is not so difficult: to contain the paper problem, simply remove the need for so much paper. Clients will often be more than willing to go along with your paperless services, having little time for the paper trail themselves. Instead of your business putting everything on paper, going ?paperless? means your business will switch to electronic means of doing business. Although it may sound revolutionary, going paperless is hardly anything new. These days, phone companies, credit cards and even power companies offer paperless solutions for their clients. This means that instead of receiving a bill in the mail, a credit card company will send its client an electronic bill via email. The bill can then be paid via the company?s website.

A paperless office converts all former paper documents into digital ones. This may seem like a daunting task if your office uses quite a range of paper documents, but a company can always bring in a few professionals to get the job done. In order to officially become paperless, an office must invest in a scanner and document management software. A scanner, as most already know, converts paper documents into digital images, which are transformed into usable documents through the software.

Obviously, it may be rather impossible for a place of business to completely be without paper. ?Paperless? in the business sense of the word may simply mean ?as paperless as possible.? Certainly it has been proven that clients love a business that shows concern for the environment, which is another added benefit to switching to digital documents.

Besides saving your business plenty of space and impressing clients with your eco-friendly savvy, going paperless will also ensure that your employees can work remotely and that clients can do business with your company from halfway around the world. Because you do not need to store bulky or messy files, going paperless also means that you can easily backup your documents. In the case of an office fire or computer failure, those documents will remain safe in their backup location. Going paperless also means that those documents can be protected by a number of software programs meant to make the workplace more secure.

Ellie Lewis recently purchased ERP software from an online store. She uses ERP systemsin her business.

For more information about ERP software go to
http://www.erpsoftware411.com/ .

Source: http://www.articlesbd.com/articles/235674/1/Paperless-at-the-Office-Why-You-No-Longer-Need-Bulky-Files-at-Work/Page1.html

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TechKnowledgeIt: Could Apple and Google Be Headed for Detente Instead of Thermonuclear War? (AllThingsD) http://t.co/nNHlkfX3 #tki

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Source: http://twitter.com/TechKnowledgeIt/statuses/241380911256596481

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