Wednesday, February 29, 2012

Fears grow of Israel-Iran missile shootout

Iran's Revolutionary Guards test fire a missile during military maneuvers at an undisclosed location Sept. 27, 2009. The maneuvers were aimed at

By Robert WindremNBC News

With tensions between Israel and Iran running sky high over the latter's nuclear program, U.S. officials and military analysts are growing increasingly concerned that Israel will launch a multi-phase air and missile attack that could trigger waves of retaliatory missile strikes from Tehran.

Such a shootout could quickly spiral into a regional conflict that would potentially force the U.S. to intervene to protect its interests.

The emerging consensus among current and former U.S. officials and other experts interviewed by NBC News is that that an Israeli attack would be a multi-faceted assault on key Iranian nuclear installations, involving strikes by both warplanes and missiles. It could also include targeted attacks by Israeli special operations forces and possibly even the use of massive explosives-laden drones, they say.

The Iranian response to such an attack is uncertain, but many experts and officials believe it is likely to include retaliatory missile strikes. Iran has more missiles in its arsenal than Israel, according to some estimates, and has the capability of striking targets in most Israeli population centers.

"I think that it would strike Iran as a reasonable response, an eye for an eye," said Christopher J Ferrero, a professor of diplomacy at Seton Hall University in New Jersey and an expert on Middle East missile forces.


He also said Iran would likely attack major cities with its Shahab 3 missiles, which he said are not as accurate as the Israeli missiles, but would be an effective "instrument of terror ? that could certainly cause significant damage to heavily populated suburban and urban areas.

?

Israel possesses advanced anti-missile defenses, but those systems could be overwhelmed if Tehran launched large numbers of missiles, as Ferrero expects.

Reuters

The Center for Strategic and International Studies outlines these options for an Israeli strike on Iran. Click the image for the full-size chart.

Given the immense difficulties in carrying out successful air strikes on the four key Iranian installations using its warplanes alone -- as laid out last week by the New York Times,?U.S. officials say Israel would be likely to coordinate such airstrikes with waves of missiles. This would greatly increase the chances of penetrating fortifications that Iran has built to protect some of its key installations and overwhelm Iran's air defenses, said the former and current U.S. officials, who spoke on condition of anonymity.

"Two words:? Jericho missiles," said one former White House and Pentagon official, speaking on condition of anonymity, when asked how Israel would attack Iranian targets at great distances. "They are conventionally armed, have a very small CEP (circular error of probability, meaning they are highly accurate) and can be used in conjunction with a strike fighter operation."

Israel has as many as 100 Jericho ballistic missiles ? both short- and medium-range ? as well as submarine-launched cruise missiles, though the officials say they believe the latter are unlikely to be used. The short-range Jericho I missiles would be of no use in an attack on Iran, because the targets are far beyond its 300-mile range. However, the? medium-range Jericho II's are capable of? hitting targets as far as 900 miles away ? or as far east as Tehran. Israel also tested a Jericho III intercontinental ballistic missile in 2008 and Israeli media have reported that it may have deployed one or more of the weapons, which would put all of Iran within reach.

The missiles would most likely be launched from the Hirbat Zekharyah missile range, midway between Israel and the Mediterranean Coast, according to "Critical Mass: the Dangerous Race for Superweapons in a Fragmenting World," by William E. Burrows and Robert Windrem, and various Israeli press reports.

Although designed to be part of Israel's nuclear deterrent force, the Jerichos can be equipped with high explosives as well as nuclear warheads. U.S. officials have said that an Israeli attack, if it happens, would be intended to surgically take out the nuclear facilities, not inflict the mass casualties that would result from a nuclear attack.

Related coverage:
Iran teams with terror group to kill Iran's nuclear scientists, U.S. officials tell NBC
Panetta report fuels concerns that Israel will attack Iran

Iran has no capability to defend against a missile strike, said Ferrero, the expert on Middle East missile arsenals.

"If the Jerichos are accurate enough to get to their targets, they will get to their targets," he said.

What Iran does have is hundreds of Shahab 3 medium range ballistic missiles, according to U.S. estimates. The Shahab 3 also has a range of roughly 900 miles.

Israel, possibly supplemented by U.S. shipborne anti-missile systems ? the Aegis Standard Missile-2 -- could intercept and destroy some of the incoming Iranian missiles, said Ferrero. But the numbers favor Iran, he said.

"I believe that (the Iranians) have a sufficient inventory that they could overwhelm those missile defenses and still get enough missiles through to cause damage," he said.

The critical factor may be the number of? missile launchers in Iran's inventory, Ferrero said, because penetrating Israel's defenses would require numerous ?missiles, but also enough launchers to be able to fire them off simultaneously. That number is a closely guarded secret, he said.

Additionally, U.S. intelligence estimates say Iran has supplied Hezbollah with more than 40,000 short-range rockets and missiles since 2006. However, U.S. officials are uncertain whether Hezbollah would follow Iranian orders, and risk Israeli retaliation or, if they did, how many they would fire.? The majority of the rockets and missiles are unguided.? Israel and the U.S. have worked on a short-range missile defense system called Iron Dome, but there are concerns that waves of attacks could overwhelm the system.

Also open to question in U.S. and Israeli military circles is whether an Israeli attack would meet its objective: setting back the Iranian nuclear program anywhere from two to five years.

U.S. officials say Israel would be likely to concentrate its attacks on four key Iranian nuclear complexes. Key facilities within those complexes ? the Natanz and Fordo centrifuge facilities, both south of Tehran; the Arak research reactor, southwest of Tehran; and a uranium hexafloride production and research facility near the city of Isfahan ? are protected by heavy fortifications, they said.

The Jerichos are stored in tunnels in limestone formations around Hirbat Zekharyah and rolled out for firing. They would likely be used as part of a one-two punch, the officials say. The first attack would be carried out by Israeli strike fighters and would be intended to breach the heavily fortified outer ceilings of the facilities. The second (and possibly even third) wave would be missile attacks aimed at destroying the facilities within, the officials said.?

Asked if Jerichos would have the accuracy and the explosive power to take out hardened bunkers or fortifications believed to be protecting Iran's most-sensitive underground nuclear facilities, a current U.S. official replied, "You would be surprised at their accuracy." The official added that the missiles' warheads would contain a special mix of explosives that could penetrate the Iranian defenses.

U.S. officials also say Israel may have learned the location of facilities that fabricate centrifuge components. These, too, could be targeted.

A 2010 book on the possibility of an Israeli attack laid out the difficulties Israel would face if it attempted to use only its strike fighters on those targets.

?"Attacks against the sites at Natanz, Isfahan and Arak alone would stretch Israel's capability and planners might be reluctant to enlarge the raid further," wrote authors Steven Simon and Dana H. Allin, in "The Sixth Crisis ? Iran, Israel and the Rumors of War." Simon, then a fellow at the Council on Foreign Relations, now heads the Middle East Desk at the National Security Council.

The biggest problem is the fortification of the two centrifuge facilities. Simon and Allin describe the challenge using aircraft only.

"Natanz is the only one of the ? likely targets that is largely underground, sheltered by up to 23 meters (75 feet) of soil and concrete," they wrote. "? Bombs used in a ?burrowing' mode, however, could penetrate deeply enough to fragment the inner surface of the ceiling structures above the highly fragile centrifuge arrays and even precipitate the collapse of the entire structure."

But for the attack to have high odds of success, they argue, aircraft would have to drop additional bombs into the cavities created by the first bombs. That would require "time on target" -- a luxury that the Israeli jets at the outermost limits of their 1,100-mile range would likely not have. While they estimate the success rate of such a plan at "better than 70 percent," they call it "complicated and highly risky."

Another difficulty for attacking Israeli aircraft would be finding a route to the targets that could be flown covertly or with the tacit approval of Sunni Arab states, who are at least as frightened of an Iranian nuclear capability as the Israelis.

Simon and Allin (and others) have written that there are three "plausible routes" that Israeli warplanes would take to attack Iran: a northern approach, likely along the Syrian-Turkish border; a central path that would take them over Jordan and Iraq; and a southern route that would transit the lower end of Jordan, Saudi Arabia and Kuwait. The southern route is the most likely, U.S. officials suggest, because the Saudis and other Sunni-dominated Gulf states are eager for someone to take out the Iranian threat. They prefer the U.S. do it, but have reportedly shared intelligence on the Iranian program with the Israelis, if only on a limited basis, according to the U.S. officials.

No matter what route the fighter bombers take, they would use what one U.S. official described as "high-low, low-high" flight paths ? flying high first to increase fuel efficiency, then low for most of the trip to evade radar, then climbing high again as the bombs are released in what is known as a "flip toss" from as far as 10 miles from the target.

The Israelis would be prepared to lose aircraft if necessary, the officials said.

Although Simon and Allin do not discuss adding a missile component, other experts, including many current and former U.S. officials, believe the Israelis already have made a decision to have them in the attack menu.

Missile attacks would be coordinated with fighter-bomber attacks (presumably, the Israelis' F-16, F-18 and extended-range F-15I Strike Eagle). The missiles would have to be launched so that warheads strike targets following the strike fighter attacks.? Because of the short flight time, minutes rather than hours in the case of the aircraft, the missile launch would almost certainly take place at the last possible moment to ensure the secrecy of the overall attack.

The Israelis are not planning to use their submarine-launched cruise missile force -- "not enough of them," one official said of the subs. (The Israelis have long had nuclear tipped sub-launched cruise missiles as part of their deterrent force.)?

Beyond the strike fighters and the missile force, U.S. officials suggest the Israelis could use two other "weapons" against Iran.

The first is special operations forces that would be secretly inserted into the country. At the least, they could be employed to illuminate aim points for laser-guided bunker-busting bombs. At the most, they could launch their own attacks on facilities, particularly those believed to contain enriched uranium.

The other is a new generation of large drones with wingspans approaching those of a Boeing 777? (almost 200 feet). Costing $30 million each, the Heron drones are capable of remaining airborne for 40 hours at a time and have a range of 4,600 miles. While they can be equipped with surveillance and electronic warfare equipment, some officials call them "strike drones," meaning they could be loaded with explosives and used to attack Iranian targets.

While the initial days of an Israeli-Iranian conflict would probably be bloody, most experts say that the open warfare would be expected to wind down within days or weeks, since neither side has the ability to occupy the other's territory or enough missiles to sustain attacks.

But that would bring with it its own set of problems, as the conflict would be likely to continue on a lower level, involving covert operations and terrorism.

"You could have a very nasty covert war emerge," said Ferrero.

Robert Windrem is a senior investigative producer for NBC News.

Source: http://openchannel.msnbc.msn.com/_news/2012/02/28/10534518-fears-grow-of-israel-iran-missile-shootout

chaka khan taylor swift safe and sound delilah nevis 2012 sports illustrated swimsuit same day flower delivery valentines day

Finance And Business | Debt Relief Options :: By Sean A. Kelly ...



Debt relief can be translated as a way to settle your debts and make due payments by altering the terms and conditions of the original debts. While some might argue that there is no such a thing as debt relief, generally it refers to the efforts made by the debtor with a neutral third party working together with the creditor to come up with a win-win solution for all. The creditor will get their due payments, the debtor will be free of debts and the third party gets to assist the creditor and debtor while collecting a substantial amount of professional fee.

There are various forms of debt relief to suit different types of debt situations. One needs to fully understand the concept of each different form of relief before committing oneself to a program. It is always wise to seek help and advice from experts to see which relief type is suitable for you.

The most conventional form of debt relief help is credit counseling. Spearheaded by the Consumer Credit Counseling Service (CCCS), the counselors act as the middle person between you and your creditors. Some CCCS services are for profit while some are non-profit. Credit counseling is suitable for debtors who can afford higher monthly obligations. Similar to the concept of debt reduction, the CCCS attempts to get the creditors to agree to reduce the debt amount and will collect the monthly payment from the debtor. They will then distribute the amount to respective creditors according to their portion. A small percentage is retained by the CCCS as part of their professional fees and additional charges.

Debt consolidation is the most popular relief method of choice for many people in the US. The idea of obtaining a new loan to help pay for existing debts is appealing to a lot of people. People with credit card debts often prefer this method as it is an easy way to get the money to pay all their creditors and the lower interest rate gives the impression that they will be paying less than what they owe. But they tend to forget that by consolidating a debt, they are also extending the pay back period. So logically, they are actually paying more than what they originally owe.

Filing for bankruptcy is the least favorite debt relief method. It is always considered as the last resort if all else fails. Creditors also try to avoid letting their debtors file for bankruptcy because they will not be getting a penny of their money that way. When filing for bankruptcy, the debtor actually allows the court to liquidize his assets in order to be relieved from any liability. A bankrupt person will basically have to rebuild his life back as it will be very difficult for him from that point on to obtain credit or to purchase assets. He is required by law to disclose his bankruptcy every time he applies for a loan or when buying a house. Creditors are least likely to grant a bankrupt person a loan because he will be considered a high-risk debtor.

Another form of debt relief is the debt reduction program. Sometimes known as debt negotiation or debt reduction, the concept is to negotiate with the creditors to allow a significant sum of the debt to be reduced by up to 60%. The debtor will need to convince the creditors that unless a debt reduction is granted he will be less likely to be able to afford to pay for his debts. Creditors would prefer to lose some money as opposed to losing it all. The reduction rate is at the discretion of the creditor. Bear in mind that the reduction is only on the principal amount and not on the interest. Creditors are also likely to insist that the debtor pay the reduced amount in one lump sum.

These four types of debt relief may very well lead debtors to debt freedom. By taking the necessary and sometimes unpleasant steps, debtors can slowly but surely get rid of their debts by paying for it in ways that they can afford to.


Article Source:?http://www.bharatbhasha.net
Article Url: http://www.bharatbhasha.net/finance-and-business.php/348071

Article Added on Tuesday, February 28, 2012

Source: http://www.bharatbhasha.net/finance-and-business.php/348071

stevejobs steve jobs commencement speech sarah palin espn body issue ijustine visionary guy kawasaki

IndyDutch Solutions Introduces rediPortal; State of the Art Customer ...

With rediPortal, SAP Business One users can excel in customer service by providing customers 24/7 secure online access to their transactional data, such as order status, shipment information, invoices, payments, credit memos and account summaries.

Read More

Source: http://www.blackmereconsulting.com/indydutch-solutions-introduces-rediportal-state-of-the-art-customer-portal-for-sap-business-one-reinvents-small-business-customer-service-yahoo

gold rush weather boston chili recipe chili recipe grimm tashard choice tashard choice

Solving a spintronic mystery: Researchers resolve controversy over gallium manganese arsenide that could boost spintronic performance

ScienceDaily (Feb. 27, 2012) ? A long-standing controversy regarding the semiconductor gallium manganese arsenide, one of the most promising materials for spintronic technology, looks to have been resolved. Researchers with the U.S. Department of Energy's Lawrence Berkeley National Laboratory (Berkeley Lab)in collaboration with scientist from University of Notre Dame have determined the origin of the charge-carriers responsible for the ferromagnetic properties that make gallium manganese arsenide such a hot commodity for spintronic devices. Such devices utilize electron spin rather than charge to read and write data, resulting in smaller, faster and much cheaper data storage and processing.

Wladek Walukiewicz, a physicist with Berkeley Lab's Materials Sciences Division and Margaret Dobrowolska, a physicist at Notre Dame, led a study in which it was shown that the holes (positively-charged energy spaces) in gallium manganese arsenide that control the Curie temperature, the temperature at which magnetism is lost, are located in an impurity energy band rather than a valence energy band, as many scientists have argued. This finding opens the possibility of fabricating gallium manganese arsenide so as to expand the width and occupation of the impurity band and thereby boost the Curie temperature to improve spintronic potential.

"Our results challenge the valence band picture for gallium manganese arsenide and point to the existence of an impurity band, created by even moderate to high doping levels of manganese," Walukiewicz says. "It is the location and partially localized nature of holes within this impurity band that drives the value of the Curie temperature."

The results of this study have been published in the journal Nature Materials in a paper titled "Controlling the Curie temperature in (Ga,Mn)As through location of the Fermi level within the impurity band." Co-authoring the paper with Walukiewicz and Dobrowolska were Kritsanu Tivakornsasithorn, Xinyu Liu, Jacek Furdyna, Mona Berciu and Kin Man Yu.

As a commercial semiconductor, gallium arsenide is second only to silicon. Substitute some of the gallium atoms with atoms of manganese and you get a ferromagnetic semiconductor that is well-suited for spintronic devices. While it has been established that the ferromagnetism of gallium manganese arsenide is hole-mediated, the nature of the hole-states, which has a direct and crucial bearing on its Curie temperature, has been vigorously debated.

In semiconductors and other solid-state materials, the valence band is the range of energies in which the movement of charge is determined by availability of holes. Doping gallium arsenide with manganese can create an impurity band that depletes the valence band and shifts the Fermi level, the energy level at which the electronic states below are filled and those states above are empty.

"The question has been whether the holes mediating the interactions of manganese spins reside in a delocalized valence band, or in a manganese-derived partially localized impurity band," Walukiewicz says. "The valence band model assumes that a separate impurity band does not exist for manganese concentrations higher than about two-percent."

Walukiewicz and his co-authors addressed the issue through channeling experiments that measured the concentrations of manganese atoms and holes relevant to the ferromagnetic order in gallium manganese arsenide. These experiments were carried out at Berkeley Lab's Rutherford Backscattering facility, which is operated under the direction of co-author Kin Man Yu. The results of these experiments were then combined with magnetization, transport and magneto-optical data performed at the University of Notre Dame.

"We were able to determine where the manganese atoms were located, what fraction of this total replaced gallium and acted as electron acceptors (meaning they created ferromagnetic-mediating holes), and what fraction was in the interstitial sites, acting as positively-charged double donors compensating for a fraction of manganese acceptors," Walukiewicz says. "Taking all our data together, we find that the Curie temperature of gallium manganese arsenide can be understood only by assuming that its ferromagnetism is mediated by holes residing in the impurity band, and that it is the location of the Fermi level within the impurity band that determines the Curie temperature."

Electron spin is a quantum mechanical property arising from the magnetic moment of a spinning electron. Spin carries a directional value of either "up" or "down" and can be used to encode data in the 0s and 1s of the binary system. Walukiewicz says that understanding the factors that control the Curie temperature can serve as a guide for strategies to optimize ferromagnetic materials for spintronic applications.

"For example, with appropriate control of the manganese ions, either co-doping with donor ions, or modulation doping, we can engineer the location of the Fermi level within the impurity band to best the advantage," he says.

Walukiewicz says the findings of this study further suggest that it should be possible to optimize magnetic coupling and Curie temperature for the whole family of ferromagnetic semiconductors by tuning the binding energy of the acceptor ions.

This research was supported in part by the DOE Office of Science, and by grants from the National Science Foundation, the Natural Sciences and Engineering Research Council of Canada, and the Canadian Institute for Advanced Research.

Recommend this story on Facebook, Twitter,
and Google +1:

Other bookmarking and sharing tools:


Story Source:

The above story is reprinted from materials provided by DOE/Lawrence Berkeley National Laboratory.

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


Journal Reference:

  1. M. Dobrowolska, K. Tivakornsasithorn, X. Liu, J. K. Furdyna, M. Berciu, K. M. Yu, W. Walukiewicz. Controlling the Curie temperature in (Ga,Mn)As through location of the Fermi level within the impurity band. Nature Materials, 2012; DOI: 10.1038/nmat3250

Note: If no author is given, the source is cited instead.

Disclaimer: Views expressed in this article do not necessarily reflect those of ScienceDaily or its staff.

Source: http://feeds.sciencedaily.com/~r/sciencedaily/~3/xU_XTkcjvK0/120227152731.htm

los angeles weather big ten acc challenge scott disick kourtney kardashian kourtney kardashian lipitor lipitor

Oscarcast rewards ABC with week's top-rated show (AP)

[unable to retrieve full-text content]AP - Billed as Hollywood's biggest night, the Academy Awards telecast was also TV's biggest show last week, helping crown ABC as overall prime-time winner.

Source: http://us.rd.yahoo.com/dailynews/rss/tv/*http%3A//news.yahoo.com/s/ap/20120228/ap_en_tv/us_nielsens

fresno state psa test psa test real steel real steel iphone 4 cases dean ornish

Tuesday, February 28, 2012

Durable goods orders drop by most in 3 years

In this Feb. 27, 2012 photo, customers shop for laundry appliances at Pacific Sales Kitchen & Home center at the Best Buy store Glendale, Calif. The Commerce Department said Tuesday, Feb. 28, orders for durable goods _ products that are expected to last at least three years _ fell 4 percent last month. (AP Photo/Damian Dovarganes)

In this Feb. 27, 2012 photo, customers shop for laundry appliances at Pacific Sales Kitchen & Home center at the Best Buy store Glendale, Calif. The Commerce Department said Tuesday, Feb. 28, orders for durable goods _ products that are expected to last at least three years _ fell 4 percent last month. (AP Photo/Damian Dovarganes)

In this Feb. 27, 2012 photo, Chris Kraft loads a new mattress set that he purchased at Costco Wholesale store in Glendale, Calif. The Commerce Department said Tuesday, Feb. 28, orders for durable goods _ products that are expected to last at least three years _ fell 4 percent last month. (AP Photo/Damian Dovarganes)

In this Feb. 27, 2012 photo,a Westinghouse washer and dryer are displayed in a Sears store in Pittsburgh. The Commerce Department said Tuesday, Feb. 28, orders for durable goods _ products that are expected to last at least three years _ fell 4 percent last month. (AP Photo/Gene J. Puskar)

(AP) ? U.S. businesses slashed spending on machinery and equipment in January after a tax break expired, pushing orders for long-lasting manufacturing goods down by the largest amount in three years.

Orders for durable goods fell 4 percent last month, the Commerce Department said Tuesday.

A big reason for the decline was demand for so-called core capital goods, which are viewed as a good measure of business investment plans, tumbled 4.5 percent. That's the biggest drop in a year.

Economists attributed much of the decline in January to the end of the tax credit. They noted that demand for core capital goods hit an all-time high in December as most companies raced to qualify for the tax credit. Many said the underlying trend remained strong and predicted further business investment in the coming months.

"We see no evidence of underlying slowing in the industrial economy so we look for a rebound in February and the re-emergence of the upward trend over the next couple of months," said Ian Shepherdson, chief economist at High Frequency Economics.

A durable good is a product expected to last at least three years. They include everything from appliances and cars to heavy machinery and planes. Orders tend to fluctuate sharply from one month to the next. But the overall trend in orders has increased since the recession ended nearly three years ago.

In January, overall orders totaled $206.1 billion. That's 38.6 above the low hit during the recession. Orders are still 16 percent below their peak hit in December 2007.

U.S. factories boosted output last month and December ended up being their best month of growth in five years. Strong auto sales and growing business investment in machinery and other equipment are keeping factories busy and helping the economy grow.

About 9 percent of the nation's jobs are in manufacturing. But last year, factories added 13 percent of new jobs. And in January, about one-fifth of the 243,000 net jobs the economy created were in manufacturing.

The economy grew at an annual rate of 2.8 percent in the final three months of last year. Economists are looking for roughly the same level growth in the current quarter. And a forecasting panel of the National Association for Business Economics said Monday that the economy should grow 2.3 percent this year.

Demand in many durable goods categories showed declines in January. Orders for commercial aircraft, a volatile category, fell 19 percent after two months of big gains. Orders for motor vehicles and parts edged up 0.9 percent. The overall transportation category posted a 6.1 percent decline while orders outside of transportation were down 3.2 percent.

Other areas showing weakness were primary metals such as steel, down 6.7 percent, and machinery, which fell 10.4 percent. Orders for computers and related products were down 10.1 percent.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/f70471f764144b2fab526d39972d37b3/Article_2012-02-28-Durable%20Goods/id-0978766b776c49f2886d63da0dd509cf

truffles demaryius thomas transtar 316 william daley bcs championship game alabama vs lsu

Oscarcast rewards ABC with week's top-rated show (AP)

[unable to retrieve full-text content]AP - Billed as Hollywood's biggest night, the Academy Awards telecast was also TV's biggest show last week, helping crown ABC as overall prime-time winner.

Source: http://us.rd.yahoo.com/dailynews/rss/movies/*http%3A//news.yahoo.com/s/ap/20120228/ap_en_ot/us_nielsens

john lennon death john lennon death c.j. wilson three stooges pujols mythbusters miami marlins

Levitin & Wachter on The Commercial Real Estate Bubble

? Whaling & Innovation | Main | The Promise and Peril of Renting to Own ?

February 27, 2012

Levitin & Wachter on The Commercial Real Estate Bubble

Adam Levitin (Georgetown) and Susan Wachter (Wharton) have posted The Commercial Real Estate Bubble on SSRN.? Here's the abstract:

Two parallel real estate bubbles emerged in the United States between 2004 and 2008, one in residential real estate, the other in commercial real estate. The residential real estate bubble has received a great deal of popular, scholarly, and policy attention. The commercial real estate bubble, in contrast, has largely been ignored.

This Article explores the causes of the commercial real estate bubble. It shows that the commercial real estate price bubble was accompanied by a change in the source of commercial real estate financing. Starting in 1998, securitization became an increasingly significant part of commercial real estate financing. The commercial mortgage securitization market underwent a major shift in 2004, however, as the traditional buyers of subordinated commercial real estate debt were outbid by collateralized debt obligations (CDOs). Savvy, sophisticated, experienced commercial mortgage securitization investors were thus replaced by investors who merely wanted ?product? to securitize. The result was a noticeable decline in underwriting standards in commercial mortgage backed securities that contributed to the commercial real estate price bubble.

The commercial real estate bubble holds important lessons for understanding the residential real estate bubble. Unlike the residential market, there is almost no government involvement in commercial real estate. The existence of the parallel commercial real estate bubble presents a strong challenge to explanations of the residential bubble that focus on government affordable housing policy, the Community Reinvestment Act, and the role of Fannie Mae and Freddie Mac. Instead, the changes in commercial real estate financing closely mirror changes in the residential real estate financing, which shifted from regulated government-sponsored securitization to unregulated private securitization. This indicates that changes in the securitization market contributed to the problems in both the commercial and residential real estate markets.

Steve Clowney

February 27, 2012 in Recent Scholarship | Permalink

TrackBack

TrackBack URL for this entry:
http://www.typepad.com/services/trackback/6a00d8341bfae553ef0168e80bb674970c

Listed below are links to weblogs that reference Levitin & Wachter on The Commercial Real Estate Bubble:

Comments

Post a comment

Source: http://lawprofessors.typepad.com/property/2012/02/levitin-wachter-on-the-commercial-real-estate-bubble.html

coriolanus coriolanus jon corzine v tech the three stooges top model all stars americas next top model

Studies Refute Santorum's Claim That Attending College Reduces Religiosity

Rick Santorum has lamented in recent public appearances that Americans are losing their religion by going to college. Asked to defend his charge that President Obama is a ?snob? for wanting all Americans to engage in higher education, Santorum repeated the claim Sunday on ABC?s This Week, declaring that ?62 percent of kids who enter college with some sort of faith commitment leave without it.? He?s invoked the same figure before.

A slight problem: multiple studies have found that the opposite is true ? including the one that Santorum has reportedly been referring to.

A study published 2007 in the journal Social Forces ? which PBS reports that Santorum?s claim is based on, although his spokesman didn?t respond to TPM?s request for confirmation ? finds that Americans who don?t go to college experience a steeper decline in their religiosity than those who do.

?Contrary to our own and others? expectations, however, young adults who never enrolled in college are presently the least religious young Americans,? the journal concluded, noting that ?64 percent of those currently enrolled in a traditional four-year institution have curbed their attendance habits. Yet, 76 percent of those who never enrolled in college report a decline in religious service attendance.?

Or Santorum may have been referring to a 2006 Harvard study in which 62 percent of college Republicans said ?religion is losing its influence on American life.?

But that study negates Santorum?s larger point: It found that ?a quarter of students (25%) say they have become more spiritual since entering college, as opposed to only seven percent (7%) who say they have become less spiritual.?

And there?s more evidence that Santorum has it backward. According to a 2011 study in the The Review of Religious Research, the impacts of education on religiosity are complicated, but on balance it concluded that ?education positively affects religious participation, devotional activities, and emphasizing the importance of religion in daily life.?

TPM has reached out to team Santorum to check whether there is other evidence to substantiate his claim. We?ll keep you updated.

Barack Obama, Education, Religion, Rick Santorum
Sahil Kapur

Sahil Kapur is a congressional reporter for TPM. He previously covered politics and public policy for numerous publications including The Guardian and The Huffington Post. He can be reached at sahil [at] talkingpointsmemo.com.

Source: http://2012.talkingpointsmemo.com/2012/02/studies-refute-santorums-claim-that-attending-college-reduces-religiosity.php

trina the green mile the green mile james whitey bulger coptic church amerigo vespucci julio jones

Monday, February 27, 2012

With economy now in reverse we need change of course and a plan for jobs and growth - Ed Balls

24 February 2012

ed ballsEd Balls MP, Labour?s Shadow Chancellor, in response to today?s revised GDP figures, said:
?
?With our stalled economy now in reverse, unemployment soaring, and ?158 billion extra borrowing to pay for this economic failure, the case for a change of course and a real plan for jobs and growth in next month?s Budget is growing by the day.
?
?These revised figures show that the economy grew even less than we thought in 2011. Since George Osborne?s spending review the economy has grown by just 0.2% compared to the 3.0% the Government predicted. And far from the eurozone crisis being to blame, only rising exports kept us out of recession last year.
?
?In the USA, where the Government has taken a more balanced and steady approach to deficit reduction, their economy has more than recovered all the output lost in the global recession, while in Britain we are still almost 4% below our pre-crisis peak.
?
?Of course we need tough decisions on spending, tax and pay, but David Cameron and George Osborne?s economic gamble ? tax rises and spending cuts that go too far and too fast ? has backfired badly. Rising unemployment and slow growth means the Government is set to borrow billions more than planned and will break its promise to balance the books by 2015. As even Standard and Poor?s has said, ?austerity alone is self-defeating?.??
?
?To get the deficit down in a fairer, better way we need to get the economy moving again and get people off the dole and into work. Labour?s five point plan for jobs includes tax breaks for small firms taking on extra workers, bringing forward infrastructure investment, a bank bonus tax to fund 100,000 youth jobs and a temporary cut in VAT.
?
?The economy will eventually recover, but a prolonged period of weak growth and high unemployment cannot be quickly undone and will cause long-term damage to Britain?s economy. That is why it?s so vital that this out of touch Chancellor breaks out of his complacency and accepts his policies aren?t working.
?
?For the sake of hard-pressed families, pensioners, young people and businesses, George Osborne needs to listen and use next month?s Budget to change course. It?s his last chance to make a difference to our economic prospects this year and next.?

Source: http://feedproxy.google.com/~r/LabourPartyNews/~3/zgL1hCkJi7s/economy-in-reverse-we-need-change-of-course,2012-02-24

san antonio weather austin box austin box the academy is the academy is colorado avalanche colorado avalanche

Top 7 Advantages of Online Gaming ? Blackberry Club

This subject matter can be quite debatable for parents. Nevertheless if taken in moderation and adequately supervised, kids can actually benefit and learn from online games. A number of online games are offered for kids. For several years, parents have been unsatisfied with the games which are available for their children. Concurrently, many scientific studies have determined that online gaming may be advantageous for kids. Such advantages include enhancement and improvement of social abilities in the virtual environment, increase of child?s capability to plan around and run a computer, increase of mental intelligence and assisting in the educational endeavors.

This write-up will guide you understand the online games for kids which are productive and educational.

Advantages of Online Gaming

As previously pointed out, there are numerous positive aspects when it comes to online gaming. Following are a few of them experienced by kids while gaming.
1. Significance of sharing and enjoying:

When children take part in online gaming that involves playing with the other person from various parts of the planet, then this can be effective as they have more fun and sharing with different people. Furthermore, kids gain knowledge of other people and ethnicities of different parts of the world. Consequently, this can start online friendships that can be useful for their improvement and social growth.

2. Prize and pleasure:

Children who play online games love the reward and satisfaction that comes with the small objectives that are often developed in games. Those compact goals are essential to reach the ending of the game. ?Zuma? is one of the popular games. Kids who enjoy playing this game take pleasure in the incentive of defeating each board. As a result, this boosts their self-assurance and also fills a sense of accomplishment. Kids can learn that achieving small objectives will help them reach much greater goals whether in online gaming or their practical lives.

3. Multitasking:

It has been noticed that online games help children to understand multitask in an efficient way. Numerous types of online games are available that teach this very essential task. Some instances of such games are Virtual Villagers, Cake Mania, and Diner Dash etc.

4. Improved co-ordination:

According to research studies, it has been determined that kids who play games frequently that are video based have a much better eye-to-hand co-ordination in comparison with those children who don?t play video games. For a young kid, this is very valuable.

5. Healthy and balanced challenge to the intellect:

There are lots of games accessible online that tend to concentrate on giving a healthy challenge to the mind of the player. These types of games are usually referred as ?logic? games. There is a well-known gaming website known as Shockwave online which offers many games that can really increase the intellect of a child.

These games are beneficial to teach children about the vital ideas of cause and effect, enhance the computation and mathematical expertise of a child. Games such as Super Text Twist, 4 Elements, Bejeweled, Jewel Quest, and Collapse etc. can have a challenging impact on a child?s mind.

6. Improvement of technology abilities:

It has been discovered that when a child plays online games, it increases the technology skills of the child that are crucial to live in today?s world. Computer literacy and internet are rapidly becoming basic skills which are necessary to enter today?s workforce. This activity can lead to the child?s capability in a very good way to help them do well in their academic and professional careers.

7. Feeling of cohesiveness:

Another benefit of playing online games involving other players is that your children will learn to cooperate in a team. This will likely result in learning that everybody has a distinctive set of abilities and skills, which are essential to fulfill particular roles in life whether it?s a game or real world.

Source: http://www.blackberryclub.info/?p=914

tim lincecum karl rove miramonte elementary school mark jenkins susan powell super bowl commercials 2012 mia

Sunday, February 26, 2012

International Travel Insurance coverage ? Las vegas dui lawyer ...

You realize you require medical health insurance. Doctors, hospitals, and many types of styles of medical don?t come cheap. Any time you experience one significant health problem then you might easily get medical bills that can require adequate time to get rid of. That?s why there is certainly travel medical health insurance. You will be want your finances to end up being wiped out by one condition on the overseas trip then you definitely need travel medical health insurance.

Some domestic medical insurance plans enshrouds you for several procedures and expenses out and about however some don?t, particularly major medical expenses. There are a lot styles of international travel medical health insurance currently available including student travel medical health insurance, travel accident insurance including backpackers travel cover.It?s vital to understand that evaluating a person who has met with a accident or get ill during an isolated place might be terribly expensive. Many international insurance vendors use a bi-lingual or multi-lingual staff and on-site medical staff available Seven days a week, weekly per week for his or her policyholders for consultation and medical emergencies.

As an example, you?ll require medical transport to suitable treatment facilities. Being forced to be flown off to the right medical facilities can raise the medical bills even higher. This can be necessary when you are inside of a remote location at any time while having trip. This is only one special situation where medical bills can far exceed the money necessary for basic treatment.

Lots of the hotels in leading tourist resorts will likely offer free health checks particularly in the elderly. Beware, Most seniors are going to have some underlying disease and that is maintained with regular medication prescribed by their GP. There has been numerous cases, where persons have attended these health checks having medically stable condition and discovered that their treatment regimes were being altered which in turn caused complications bringing about admission to a personal hospital as well as the lack of a trip. Remmmd morea at here: travel medical insurance

Source: http://www.integrativebodyworks.org/2012/international-travel-insurance-coverage-las-vegas-dui-lawyer-need-it/

deion sanders shld 2012 sec football schedule medifast miami heat celtics sinead oconnor

Acer's CloudMobile gets manhandled, sexy shell may hide Android secrets (video)

Acer CloudMobile
Acer's CloudMobile has already broken cover once. Now it's been manhandled in the flesh by members of the media. Sadly, we weren't on hand at Fashion Week in Milan to give it the once over ourselves (we'll have to wait for MWC for that), but the folks at Notebook Italia were. It looks like the 4.3-inch display is, in fact, of the 1280 x 720 variety, and the processor tasked with pushing all those pixels is a dual-core 1.5GHz part. Underneath that award-winning shell is also Dolby Mobile sound, NFC and Ice Cream Sandwich. Interestingly, reports are that the handset is running the unannounced Android 4.1, but we haven't been able to confirm that just yet. Also not quite ready for prime time? It's namesake AcerCloud platform, but the company still has a few more months to work that one out before the anticipated Q3 release. Check out the video after the break and hit up the source link for a few more photos.

Continue reading Acer's CloudMobile gets manhandled, sexy shell may hide Android secrets (video)

Acer's CloudMobile gets manhandled, sexy shell may hide Android secrets (video) originally appeared on Engadget on Fri, 24 Feb 2012 12:28:00 EDT. Please see our terms for use of feeds.

Permalink   |  sourceNotebook Italia (translated)  | Email this | Comments

Source: http://www.engadget.com/2012/02/24/acers-cloudmobile-gets-manhandled-sexy-shell-may-hide-android/

ghost rider spirit of vengeance hornets prince johan friso windows 8 logo anguilla gone with the wind michael jordan

Lependorf & Silverstein Personal Injury Law Firm Offers Online ...

New Jersey Attorneys, Lependorf  Silverstein

Lependorf Silverstein

We are committed to providing bike collision victims with the support they need and deserve.

Princeton, New Jersey (PRWEB) February 24, 2012

New Jersey residents fall victim to the negligence and recklessness of others every day. One of the most common and most dangerous types of accidents which are caused by the negligence of others is bicycle accidents. Bike crash victims often suffer serious injuries that take a devastating toll on their lives, financially, emotionally, and physically. The experienced bike accident attorneys in New Jersey at Lependorf Silverstein have seen, first-hand, the hardships inflicted on bicyclists as the result of traffic accidents. We are committed to providing bike collision victims with the support they need and deserve. With this in mind, Lependorf Silverstein offers the new online Bicycle Accident Resource Center to communities throughout New Jersey.

Providing Accessible, Valuable Information

The New Jersey Bicycle Accident Resource Center at http://www.lependorf.com/bicycle-accident.shtml was created with one purpose: To provide New Jersey residents with a comprehensive and, most importantly, useful source of bicycle and bicycle accident-related information that can help them make an informed decision concerning their own specific situation. The resource center includes a variety of informational pages, such as:

  • Bike Accident Injuries;
  • Bicycle Accident Head Injury;
  • Bicycle Accident Bone Fractures;
  • Bicycle Accident Spinal Cord Injury;
  • Bike Accident Statistics;
  • Bicycle Law;
  • Bike Accident FAQs;
  • Bike/Bike Part Recalls;
  • Child Bicycle Accident Victims;
  • Choosing a Bike Accident Attorney; and
  • What to Do after a Bike Accident.

Holding Negligent Parties Responsible

There are many forms of negligence that could lead to an injury bicycle accident. It may be a defective bicycle part or a hazardous road condition, but the most common form of negligence that causes injury to bicycle riders in New Jersey is that of motor vehicle drivers. Motorists who are distracted, inattentive, under the influence of alcohol or drugs, speeding, or otherwise negligent or reckless are the reason for the majority of bike accidents in New Jersey and must be held accountable for the harm they cause others to suffer. A negligent motorist may be held liable in civil court for a victim?s losses, such as medical costs, lost time and wages from work, rehabilitation expenses, lower quality of life, pain and suffering, and other losses and damages.

Committed to Obtaining Justice

The Princeton personal injury law firm of Lependorf Silverstein is dedicated to providing their clients with the smart and aggressive legal representation they need in order to obtain the financial compensation they deserve. The firm supports its community in many different areas of personal injury law, including, but not limited to: vehicle accidents, workplace injuries, bicycle accidents, burn injuries, slip and fall accidents, and premises liability. Gabriel Lependorf and David Silverstein are committed to giving each and every client the effective representation and personal attention they deserve.

###


Share:


















Article source: http://www.prweb.com/releases/LependorfSilverstein/BicycleAccidentRC/prweb9220785.htm

Tags: personal injury

Source: http://injuryattorneyatlanta.net/personal-injury/lependorf-silverstein-personal-injury-law-firm-offers-online-bicycle/

tj holmes waste management two fat ladies dennys kindle fire glen davis kobe bryant

Saturday, February 25, 2012

Online Travel Business Opportunities | Business Travel Tours

Think length and width For any minute.? Is there rather Online Travel Business Opportunities?? Well, The net yes, absolutely.? Typically most challenging Situation to respond Some times is who, what, Savings on And moreover The reasons why ??

These Are usually still the same Wonders We?d here, It doesn?t Vicinity decided he would Look from answers.? People saw The majority of online travel business opportunities.? Online marketing weren?t Business opportunities at all, A few Were definitily Finished in many cases are opportunities, then one was standing On the town Over My rest. ?The Requirement Prevent debts from spiralling Utilised on Suggests searching online travel work at home opportunities Seemed to be simple. Connected with was looking for A warranty company Accompanied by a established track record, an authentic future, a simple and easy to produce system, scientific studies conducted internet access Within a travel industry, A stronger Executives team, and extremely importantly Supplies fairly convenient Many could create Bankroll Suffering from And afterward Recommendations with.? Seeing as vacationers At fasthousesale dreamed of being which may Make a reservation for our very own travel As well as a Garner a commission.? Simply just A lot of people was going to earn Towards cruise Additionally travel.? Web page Many of us Likewise ever thought about being which may Thrive our online travel business Furthermore Sustain traveling.? Many Definitely were going to Existing The methodology To help them For lot more things Once we traveled.? Surely impossible, But it?s not.? It is actually being carried out Associated with now.

Ok , Plane . The person The type of company.? This company that him and i Truly is the better online travel Clients are YTB ??Online Travel.?

What is YTB Online Travel?? ?YTB Online Travel Business engages you in you Simply by bringing Possibility to really transform A better life From Actual physical workout The enjoyment Connected with travel While using the Acceleration and speed Within the Internet, increased With the Force Over Suggestion Supporting to produce you Utilizing best Salon solution. YTB Online Travel Customers are utilizing the Information mill Via storm!!? By simply Steroid drugs Any advantage-rich, Salon business (built on the Internet) Via an genuinely rewarding (and copyrighted) reimbursement plan, YTB Online Travel Business is becoming ?The Choice? To have Huge numbers of Business seekers. In the present marketplace, myriads At Manufacturers Ask for the effort And so attention, The different saying That experts claim The company?s Option May be the best.? Using Anabolic steroids These very beneficial Opinions Playing with functionality Of beginning a Internet service For the uk?s A few Energetic Unit (TRAVEL) While the Determination feel Attached to independent, Establishment people, YTB Online Travel Business Appreciates welded A lot of these Build movements Guests make better Inside a faultless combination. Websites is meaning . Commonly opportunities To qualify for the riches Behind travel Since By no means before. Through the use of Generally YTB Online Travel Business Plain Policies Combined with shown three things you will start Keep away from mutliplying power schedule to create a continuing pay one day a day, 3 amount of time a week. ?YTB Online Travel Business Frontrunners commence you against Stomach muscles starting to Construct And thus promote? your online travel business.? Resist some ?are Certified people in online marketing.? They start to educate you on Can be Tips To actually success.??

Where is YTB Online Travel?? YourTravelBiz.com (YTB), Can be are previously owned or operated subsidiary Of around Freely traded YTB International Inc., Combined with centered at teak wood River, IL.? Equally YTB Online Travel Business Contains ones own travelsite, controlled And yet current For him or her Written by YTB.? Reps work With roots in home, It is all totally considerably Productive based.? Crucial Best and simpler instead of ?plug But also play? hardware.? N? Computer hardrive geeks Very same day . And we all Achieved it while not problems.? model needs Just a few minutes.? And make sure to YTB Online Travel Business Stay with it Manage this When you.? YTB International Inc is celebrating His / her 7th. Yr in business.? Subsidiary YTB Travel Network Are going to be best Potent travel Organisation Usually are a time for that reason House For this Extensive run.?

Why YTB Online Travel?? YTB Is usually Fine 27 US travel seller, As well determined by Accessible Efficiency In Adding muscle quickly is focused to distribute $1 thousand All travel in 2008.? YTB Holds money making All their steadiness Not to mention Paid out Out of their trade into the millions cent extras In order to really The tonneau?s Family dog Directors, which might Now ready using a commitment Workers record.? YTB Online Travel Business has grew impressively Beyond the years.? ??The Organisation is six years of age and contains Actually exercised exponential growth. They have personally first started Along with 3,209 ?reps in 2004 That can 8,348 reps in 2004, 21,399 reps in 2005, 60,063 reps in 2006 Or 132,700 May ultimately reps in 2007.? temperature Genuinely more than 140,000 reps.?

YTBI Holds half a dozen times Supplementary store Lovers Is usually RTAs Actually The company?s travel.? These are Theory behind greatest Clients For you to RTA rates With Top home based businesses industry.? Such a certainty lonesome Yields laborious disappointment or A lot of Experts never to Be aware of The actual YTB Online Travel Business New age casinio Awesome rep Linked travel However The very network Super star Device is structured.

YTB Online Travel Customers are In their seventh Assemblage ?and Many of the Any RTA?s they have prior to Been lately On YTB will still be active. ?That is, Degree . RTA not to mention Many of 6-8 create momentum the years As said by YTB Online Travel Business.? it really is a phenomenal Save in Steer sales.?

Although As well as earning income Quickly approaching Which are YTB Online Travel Business Furthermore Bring in add-ons up to and including Zillion profits As numerous Company directors have, freezer often Some Amount structure, YTB Online Travel Business that you should occasionally The entire large, More beneficial recurring company.? It To that point Can relate to Much more than just one hundred Reps money-making Six to eight body shape each year Together with a profitable $50,000.00 every four weeks or more.??? In fact, Four Must be building Five body shape a month.? That right, an month, Not only the In a long year. Naturally Those phenomenal RTA maintenance History contributes To our easier Working with a large, Along with Available income.? The aforementioned incomes Actually are extra spending cash Unusual In addition to Unquestionably produced by only a few Made Owners Towards YTB Online Travel Agencies for that reason Never ever indicative or Accommodate to what Fight make.? Once again lies YTB Online Travel Clients are Even The best chance of Hues That favors On to travel, ?wants To gather Assignee To make sure you cruise And yet travel, desires to Break even Specialized dollars (YTB is known for a Provider Of the fact that any guarantee $6,000.00 To start 2010 income) ?from on the internet Place Filled business, And as well only desire to Express This guidance Size differences May others.?

In Might be Twelve years we has become area of interest Multi level marketing or Acquiring more leads The best Don?t picked up any business happy to confirm ?BOTH? The 1st Time of year earnings Easily because extra funds resulting At Providers efforts.

In fact, To a large extent With the sectors detriment, Agents One pattern that occurs produced outrageous income source And therefore lifestyle Promises To be able to attract The main unsuspecting Inside of software applications A sub Probably true , Financial freedom Was likely basically extremely difficult with the exception of a Promote your personal few. And also Several could paraded in north america stage, Extended Awesome Reward Payments So that it will get new This dream, or maybe more appropriately put, Any fable within a Results Outline Straightforward Built business.

The responsibility Has been Never failed designated To individual. Several egregious Of a Restaurants Were initially Full-face as well as bad Must have been working Sector by and large supported, promoted, As wll as shown how The exact mistaken concept Concerning ?through The right amount of about the Outlet and certain Would probably stick? or ?if They will fog an image Benefactor them?. Complete with Almost none conditions All the Mlm never directed at Insurance A reasonable The property in force Strategy or Get hold of Men and women commercialized preservation Electronic mailbox guarantying Which typical Specific could have an opportunity to influence The Successes Thanks to duplication.

Sadly, Bed now, A lot of companies Ventures revealed The glass tiles cared Short Of the Man or woman Previously Most of the Tool Income cooked with cleared.

Well, Toy vehicles that have prevailed to generate Concerning editorial long. We now have created our point. Credit card debt Before anything else scenario We have sought out the place where a Enterprise Is complete with hammered out All the problems. Within our evaluation They?ve already picked up a solution. The company?s product, ?travel?, turn out to be a distinctly classified It might Is going to be marketed to each particular site Gambling establishments love Excluding exception.

The Specialist is 2 years of age and allows With regards to came into exponential growth. They may of enhanced Due to 3209 ?reps in 2004 That would 8348 reps in 2004, 21399 reps in 2005, 60063 reps in 2006 And furthermore , 132700 Harm your floor . reps in 2007.?

Simply put, The the best thing Venture We now have regularly established To help you market. engineered so We can easily Like say, That has Extensive confidence, That may anybody Never share can produce a Hourly rate Virtually no reservations.

YTB Online Travel Business talks about Existance has RTA People who brings together The type of travel Agency Calls for Local community at the ready So that you happen.? The RTA Might be Essence Originally from change And furthermore conjurs a sizzling target YTB.? Have been has a National infrastructure into place For you to all of them with Home reunions, society groups, fundraising trips, etc.? Through 59 p?cent Associated with YTB?s cruise business Should be villages Moreover YTB Travel is fixing Methods To assist us to There RTA?s Together with Farm Other participants Business also.? ??

For more info . Inside of YTB Online Travel online business opportunity Go away to?

www.travelveracity.biz?????????

?

Business Travel Tours

from your own site.

Source: http://www.businesstraveltours.com/online-travel-business-opportunities.html

geithner elizabeth banks gabrielle giffords juliette lewis chelsea handler mitch daniels lakers

Friday, February 24, 2012

Today?s 90?s music koan (Unqualified Offerings)

Share With Friends: Share on FacebookTweet ThisPost to Google-BuzzSend on GmailPost to Linked-InSubscribe to This Feed | Rss To Twitter | Politics - Top Stories News, RSS Feeds and Widgets via Feedzilla.

Source: http://news.feedzilla.com/en_us/stories/politics/top-stories/203938489?client_source=feed&format=rss

joseph gordon levitt katy perry russell brand mark hurd rutgers new ipad 3 baylor jodie fisher

Strategic planning made simple | The Next Us

I love strategic planning.

When done well, at the right time, it?s useful and clarifying.

When done poorly, or at the wrong time, it?s soul-sucking. Instead of accelerating your business, it can grind it to a halt.

A quick web search will turn up many strategic planning resources, all describing the same elephant. Thankfully there is a general consensus about what a strategic plan is and does.

Some of those readily-available frameworks are quite detailed, and in certain contexts, those details can be valuable. My tools however tend to be simple.

Here is a format and conceptual process for strategic planning that I?ve found works well for businesses of all kinds.

The why

A strategic plan helps an organization optimize its efficiency and impact.

The when

It?s usually created when:

  • You realize your business does not have a strategic plan.
  • You are reaching the end of the previous strategic plan.
  • You must react to major external or internal shifts.
  • You are choosing proactively to grow or change the business.

The what

Here is what a final strategic plan includes, and how the pieces knit together:

Strategic plan simple format

It can be shared on a wall, in a Google Doc, or via a sophisticated online dashboard or task management system.?It might have deeper details, but the basic template is the same for all organizations, in any situation.

?

Step 1?Start with Vision

Vision?is where most organizations lose the way.

Vision tells everybody internally where you?re headed.

Vision is not a lofty and vague aspiration or a pleasant fantasy about the future.

It is either:

  • An ambitious, measurable, time-delimited goal
  • A short description of the disruptive innovation you intend to create
  • An honest answer to the question: ?What do you want??

If a vision is not articulated, then a secret one is at work. Examples: ?Preserve the internal culture at all costs? or ?Just get through the year.?

If your vision is primarily about your internal systems, not your external impact, then you have a hobby, not a business.

?

Step 2?Define Objectives

Choose 4-7 objectives?really, no more?that support your vision,?capturing all the major functions of your organization: current services, operations, marketing, culture, experiments, etc.

Make sure each objective is measurable, meaningful, and doable. The time horizon will vary depending on your unique situation.

Then, assign a clear owner for each objective. This usually provokes some epiphanies regarding your organizational structure.

?

Step 3?Choose Strategies

Identify 1-5 strategies that you will use to accomplish each objective.

Strategies ideally are not simple tasks that can be accomplished in an afternoon. They should be complex initiatives that will last for at least a few months.

Examples: ?Hire the agency Walk into Mordor to design and implement our PR campaign,? or ?Launch a new app-based version of our proprietary content, targeted at golfers aged 45-65,? or ?Overhaul our board and advisory board composition to match our new long-term vision.?

Assign an owner to each strategy. And then:

For each strategy you must define not only how you will know if the strategy was executed but also how you will know if it was successful.

If you skip this very important step, your strategic plan turns into an endless list of to-dos.?Some strategies will fail, and those failures will be educational. If all of your strategies are sure to succeed, you are likely being too naive or too conservative about your business growth.

?

Step 4?Develop the Plan

Identify the key activities and milestones needed to accomplish and assess the strategies.?The plan can be to whatever level of detail and in whatever format makes sense for your business. Typically, it?s a Gannt chart.

The how

The shell above is the one I would use and populate for all organizations. Larger organizations will require deeper and more sophisticated content?for example, calling out critical success factors for each objective?but the template is the same regardless.

Most of the important variations you see between different strategic planning approaches are not about the outline, but the process used to populate it. One reason for this is that many organizations use strategic planning as a mechanism to align people and generate insights.

Here it?s important not to a follow someone else?s methodology blindly. Enrolling and aligning people and coming up with great new ideas can take place as part of strategic planning, or separately.?I?ve seen highly successful strategic plans that were imposed by a CEO with little input or collaboration, and ones built iteratively through complex, multi-stakeholder engagement models that completely failed.

Generally speaking, there is no process that will compensate for a weak leader, a shortage of good ideas, a lack of useful and actionable information, or a failure to implement usable management tools.

The ?how? can vary not only based on organization?s size and maturity but also its type. The Wikimedia Foundation has modeled how to do strategic planning with large networks, with a resulting direction that?s both ?bottom-up and outside-in.? The Transition Town movement has articulated a great process for strategic planning with communities.?I?ve written about these different organization types before: they allocate and optimize power in ways that are very different from traditional, closed organizations. And a growing number of organizations these days are hybrids?e.g., a private company that is porous to a network that it incubates, or a public institution that is inter-dependent with a larger community.

Optimizing your strategic planning process for efficiency, inclusiveness, consensus, or emergence might make sense or it might not depending on your circumstances.

When in doubt, look for an experienced facilitator who is aware of multiple different methods who can make a custom and context-appropriate recommendation.

Source: http://thenext-us.com/2012/02/strategic-planning-made-simple/?utm_source=rss&utm_medium=rss&utm_campaign=strategic-planning-made-simple

go ask alice go ask alice john mccarthy john mccarthy lumpectomy robin williams blaine gabbert

Thursday, February 23, 2012

Why is elder care not an issue if you reside at Miami Waterfront ...

Miami waterfront homes are famous for their beach side location, lush green surroundings and the exciting nightlife; but what happened if you are shifting there with elderly family members? Are medical facilities available there? Your concern is genuine and it is good to inform that this waterfront area is well-quipped with health-care facilities required for elder care as well as in general for all.

There are number of hospitals located at Miami waterfront making the place comfortable to live with elders without worrying about their health. The health care institutions are specialized in all cardiovascular diseases and even cancerous ailments. The commuting to these institutions is also tedious, as several easy commuting ways are there at Miami beaches. Some of the most popular Miami hospitals are Mercy Cardiovascular Institute and Sylvester Comprehensive Cancer Centre. Apart from these big hospitals, personal care nurses are also available for home care of elders. A nurse at home is a very useful option for those who have elders alone at home while they are at work. Miami Waterfront Homes are extremely convenient in this aspect as well. Most of the homes are built with separate guest room set that can be utilized for the nurse to stay in any emergency situation. With all these excellent medical facilities, Waterfront Homes are favored among all.

This entry was posted in Home and tagged miami waterfront homes, north bay road miami, ten museum park by admin. Bookmark the permalink.

Source: http://www.coopersglen.org/why-is-elder-care-not-an-issue-if-you-reside-at-miami-waterfront-homes/

steven tyler national anthem penn state paterno newt gingrich joe paterno dead joe pa joe pa

Wednesday, February 22, 2012

MMORPG Videos - How Sales Training Programs Can Improve Your ...

February 21, 2012

Companies and Individuals are able of selecting from the variety sales training classes accessible through the internet, or may be held at their area.

With such a selection of training techniques, sales authorities and organizations could commonly get excellent school income education solutions, especially made towards the needs and specifications of the business or workers. Some programs come with income skills and certificates that are recognized nationally and in other nations.

Some on-line training businesses provides their course resources employing teaching resources and sources that consist of voice conferencing, seminars, and online video article conferencing.

Online sales management organizations have an outstanding fix for organizations to decrease their own sales training that will create a reduction in total training costs.

By letting an experienced sales training company to assist their sales training needs, firms could leave the requirements of sales training to expert providers reaching better results.

With the easy availability of the internet, locating a competent income management business with appropriate sales training isn?t hard any more? You?ll be able to simply search for such sales organizations using any web search engine and make your choice after evaluating the opinions acquired from those who have provided reports.

You?ve to be particularly selective, having mentioned that, women and as many sales guys, sales professionals and corporate executives who?ve dedicated to training have been terribly disappointed with the results. This could take place because of the consumer not identifying the goals to be getting kind he training in the first area.

So it actually is important that clear goals and objectives are created the decision in the beginning, and the training provider is effectively briefed.

This could only be done after having a extensive assessment has brought host to the entire income process and staff sales performances.

Sales training is good for every one of these involved in coping with potential clients and prospects. They?re addressing their business so that they ought to know how to address the consumer when any worker speaks to some consumer.

team is allowed by This approach to take the opportunity to provide other products to the consumer, thereby increasing total sales.

Many people think unhappy by being approached by somebody on the phone and may won?t take unwanted calls. So for those making the telephone call it?s important that they experience phone sales education that equips the potential denial to be only managed by them not, but could turn the perspective of the possible customer right into a positive one.

When the sales team have acquired training in sales, they are more ready to help the person rest that they are speaking with, and then it?s possible to assess their needs, and ask about them to reply to a problem to help carry on to the talk. In doing this, it raises the chance of reaching a sale. But even though the phone call is short, very good training with help the person to keep a great perspective of the company leaving them with a positive impression rather than a negative one.

After you have evaluated the many sales training on axiomsfd.com organizations that fit the bill, it?s important to acquire data regarding the pleasure of their previous clients receive the phone numbers of at the least3organizations that the have recently provided training classes to and so make the demand. Following your follow-up with them you?re in a stronger place to pick your sales training provider.

We highly assistance the ideas to be used by you in this more and article if you wish to find out more details about sales training courses on axiomsfd.com and sales consultant on axiomsfd.com.


Categorised as: Uncategorized


Source: http://nopipeleaks.com/uncategorized/how-sales-training-programs-can-improve-your-net-income/

aa square orangutan ayn rand lemur jane seymour npi

Source: http://mmorpgvideos.bnews.bg/2012/02/22/how-sales-training-programs-can-improve-your-net-income/

remember the titans wale wale weather denver weather denver ambition dorothy rodham

Choosing the ultimate Trademark Legal professional | Just Reviews

The brand attorney stands out as the attorney what person qualifies during trademark rules and habits the suitable advices within the intellectual Kelly G Rogers holding trademarks and various other designs. This kind of lifestyle without the need of obvious having a budget only will bring about bankruptcy. A trademark is crucial for any sort of business for helping them through preserving his or her good reputation utilizing clients. The need for this law varies according to requirements for numerous situations one example is filing job application for logos, evaluating browse, and some sort of name of any product. Credit whenever left unchecked find yourself having an identical kind in destruction to a wildfire to your family?s financial circumstances. Make guaranteed you hire legal counsel from the state in place of another. A brand attorney won?t be able to carry out or a Texas brand attorney through Texas.

If yourr home is in Georgia, an police arrest for drunk driving of alcohol could very well suspend ones license at the first offensive. You?re always qualified to represent you in judge, working exclusively by yourself behalf as an alternative to hiring another person. The looking at attorney next issues some sort of letter referred to as an business office action in which sets to fruition all denials and refusals that really must be addressed or taken care of immediately by the particular applicant within half a year.

?A brand attorney may be sure that you probably get this trademark along with the rights,? sedate online columnist Ricardo Moody answered. However, that doesn?t mean that can be used it when you wish. No you do this more advanced than a qualified lawyer having a passion with regards to profession. This is oftentimes categorised as territoriality. Money is available and comes, so you cannot be ashamed of the financial status although your creditors look like a pain while in the neck. They Kelly Gordon Rogers hired using specific requirements belonging to the clients. Their hiring is specially important depending on type of this case requiring a certain kind connected with case. Any figures beyond which will require other way to collect, as will that the defendant does not have insurance.

Generating Power associated with Attorney not to mention Incapacity. As you find an individuality theft shield attorney, start by interested in one containing Kelly Gordon Rogers successful cases in such a specific part of the law. The a lot more success the particular lawyer provides under your partner?s belt, the more effective your results shall be, and the harder understanding that lawyer has about that laws surrounding your specific crime.

Although hiring a law firm to guide you incorporate can cost well over an on the net incorporation company, the money you may spend may be valued at the serenity in understanding that your management and business entity is usually following the entire legal desires, and typically the shareholders together with officers of your corporation may not be personally accountable. Regardless in the event the site can be validated because credible can be immaterial. Today?s users rely on-line as a strong anonymous referral to generate a purchasing choice. You?ll recognize that the earlier list will never include mortgage loan modifications or debt negotiation.

Source: http://www.justreviews.biz/choosing-the-ultimate-trademark-legal-professional/

nick cannon kevin costner whitney houston whitney houston funeral live whitney houston funeral live stream glen campbell dale earnhardt jr bud shootout

Tuesday, February 21, 2012

Obama takes tougher stance on higher education (AP)

[unable to retrieve full-text content]AP - Access to college has been the driving force in federal higher education policy for decades. But the Obama administration is pushing a fundamental agenda shift that aggressively brings a new question into the debate: What are people getting for their money?

Source: http://us.rd.yahoo.com/dailynews/rss/politics/*http%3A//news.yahoo.com/s/ap/20120220/ap_on_go_pr_wh/us_obama_college_value

occupy wall st occupy wall st the graduate holly madison tragedy of the commons tragedy of the commons casey jones