Marketing Meetup Groups - Marketing Meetups

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Evaluating Granite and Marble Countertops: Which One particular Need to You Choose?

Granite and marble are both equally stones which suggests they are both sturdy, large, and amazingly hard. At the same time, mainly because both these stones can genuinely last a life time, they may be both equally equally costly and extremely hard to polish and install. Because they can be the two stones, they're naturally patterned, consequently, you could possibly get granite or surface encounters marble that is not really comparable for the design and style from the catalog which you ordered so it could be ideal to really see the actual products when picking the kind of style and design and pattern which you want as an alternative of relying only on images. Each are heat resistant plus they don't scorch when positioned even having a very hot content these kinds of as iron pots and pans.



Nevertheless, granite is way tougher than marble and it can be far more resistant to scratches and serious impacts when compared with marble. Simultaneously, granite is much more defiant to acids these kinds of as vinegar, lemon juice, and tomato juice, and also other objects with substantial levels of acidity. To help you superior realize the strengths of each stones, allow us consider a nearer glimpse as to how they had been formed. Marble, and all its stone relatives - onyx, travertine, and limestone with the onset were sediments produced of shells, plant make a difference, animal skeletons, and silt which all settled with the bottom of bodies of h2o and soon after a long time of being soaked in drinking water, they solidify and develop into stones/ Marble’s major component is calcium and that is the purpose why it has a tendency to react to acids this kind of as vinegar as well as other beverages that incorporate citrus. Granite, on the flip side, is produced up of crystallized minerals formed from the earth’s mantle at higher temperature. The result is actually a hard, really resistant stone. Marble may be scratched and etched by acids because it is manufactured of calcium carbonate that is very much like chalk however the only big difference is surface encounters marble is compressed and inside a crystallized kind. Inside the same method, marble has fewer designs, in truth it is far more frequently marketed in its white shade so stains and mars may stand out far more exposed in marble. Granite features a more complicated pattern that may cover the stains superior. Concerning designs on the other hand, marble incorporates a finer, additional tasteful glimpse than granite. The crystal formations in marble are much more satiny and finer in nature making it search more magnificent. Granite has bigger, pea-sized crystals which might be coarser for the eye.



Ultimately, on the subject of sturdiness, the granite countertop will be more sturdy and more resistant to stains and scratches whilst the seems to be are won by marble. Marble on the other hand is less costly than granite however it needs larger maintenance. So, all of it boils down to what you genuinely want as being a countertop. Would you settle for any countertop that's particularly hard-wearing and even though not as very because the other one, or would you trade splendor for longevity and strength?

Background Examine Somebody Utilizing Criminal Records

An employment online background check is now generally carried out not just to possible workers but to present employees for marketing as well. It's usually done to validate info discovered on an employee's resume or application type. It is also done to identify the best suited possible worker among the applicants. Also with what has occurred on September eleven, 2011, employers are now very concerned with the kind of workers they employ.

A background investigation includes criminal, arrest, imprisonment, and intercourse offender paperwork. This is a type of examine where state records are examined to investigate if a potential employee or current employee has been convicted or charged with any crime against the state.

Citizenship, immigration and legal working standing checks will also be done because American businesses are barred from employing unlawful workers from the Department of Homeland Security and its Immigrations and Customs Enforcement Division.

Litigation records are also checked. Employees who often file discrimination cases might be recognized as being a risk to a company therefore employers resort to litigation checks. Also, these businesses who do business with the authorities don't wish to hire whistleblowers who file qui tam suits.

Driving and car records will also be component of the track record examine, particularly whenever a potential worker is applying to get a driver place. Employers appear for workers who have clean driving data or those that don't have any records of vehicular accidents or traffic tickets.

Drug check records will also be becoming checked. An employer wouldn't want to utilize drug addicts in his company due to company ethics, employee performance will probably be affected and improve of workers' compensation rates.

Education records will also be component of the online background check investigation. This is done to confirm educational attainment with the potential worker and sometimes to examine if applicant has had misdemeanor records in school.

Previous employment data might also be checked particularly if the applicant will fill a sensitive position within the business. This is generally done verbally.

Monetary info is also checked especially if the place being filled requires somebody to deal with large quantity of money.

For experts, licensing data are checked for complaints, disciplinary actions and investigations.

Medical, psychological and physiological files are also checked simply because a possible employee might not be match to work for health factors. A created consent from the applicant should be procured before going through the whole process.

Social safety quantity examine is also done because identity theft is fairly rampant. A past life might be concealed or an applicant might not have fulfilled the citizenship requirement might be verified via the social safety number.

Although most the over records are public records and can be procured from different government agencies in the United states of America, it is nonetheless very inconvenient for employers to complete track record examine on its possible employees as well as present workers. There are a number of private investigators who offer the service. Also, there are third celebration companies who also provide the same type of service. There are also accessible online data banks which may offer the essential info about people. What they do is they purchase U.S. public data and provide them online to get a charge.

Credit score Range: Determines a Possible Borrowers

Some are even searching at bankruptcy in their tough function to obtain rid of credit card financial debt. Credit card financial debt settlement could help a borrower steer clear of that.

seven to 10 Many years

Bankruptcy includes a extremely extended term damaging influence on the purchaser who uses it to get from debt. But, plenty of Americans are heading through bankruptcy. Bankruptcy can stay on your credit score report from 7 to ten a long time. That smudge in your credit report can make it fairly difficult to obtain a residence, or perhaps a car, or even a career, in the future. You will find other alternatives to personal bankruptcy for these with mind-boggling monetary financial debt, check my credit score or in any other case.

Bank card financial debt Settlement a Fantastic Choice to obtain rid of Credit score score Card Bank card debt

One these kinds of choice that exists is really a tactic identified as financial financial debt settlement. What transpires is the fact that a debtor negotiates having a creditor to pay back again a portion with the financial debt. Hunting in the choice - missed payments, frequent reminders and cellphone calls, personal bankruptcy - a creditor might probably extremely properly be keen to go more than a lower payback volume or reduce month to month payments. Specifically with so lots of purchasers dealing with personal bankruptcy or even the prospect of defaulting, most collectors are delighted to get some funds somewhat than none. Forestalling bankruptcy can be an exceptional successful condition for both equally you as well as your creditor.

Credit score Card Monetary financial debt Settlement Negotiation

Approaching a mortgage company, perhaps just one you have needed to deal with within the past rather than on the most amicable circumstances, may be daunting. There's also a great deal of financial track record consciousness the regular purchaser just doesn't have. The typical shopper just does not possess a exceptional hold on their rights and strengths.

Pennies around the Dollar toward Eliminating Credit card Debt

Financial debt settlement requirements a check my credit score negotiator approaching every single loan company and negotiate a pay-back selection. Generally, this total can be really essential -- up to 50% or perhaps a great deal more of the authentic financial debt. So fairly a few people at present are around the brink of individual catastrophe, usually hunting to bankruptcy. Since of this, many collectors are relieved to become acquiring something on the credit card financial debt considerably than subsequent to absolutely nothing. That can happen quickly need to a borrower declare bankruptcy.

Finding a Negotiator

Bank card financial debt negotiators know how to tactic lenders and other collectors. They've an in-depth know-how of monetary markets, financial developments, and the fluctuation of curiosity charges and currencies. This info may be priceless when it arrive to negotiating a monetary financial debt settlement. Also, just following preliminary negotiations, the negotiator will be ready to offer you the overcome shopper as to their rights and choice pertaining towards the bank card financial debt.

Payment Due to

As soon as all of the negotiations have taken area, and this can acquire weeks, specifically if you have much more than one or two creditors with whom you're making an attempt to get rid of credit card financial debt, the payments will probably be produced to the negotiator and she or he will hold track the conditions they've negotiated are kept. The debtor will finish up doing one particular cost-effective payment the second per month, to one particular place, at one rate of interest.

Making Money Now

The following is supposedly a letter written by a Montana farmer to Alan Simpson, a former senator from Wyoming.

Simpson was the co-chair of the commission President Obama appointed in 2010 to look at ways to fix our deficit problem. The recommendations of the commission were instantly ignored.

Last year, Sen. Simpson compared Social Security to a milk cow with 310 million teats. He also called America's senior citizens the "greediest generation." 

This letter points out that Sen. Simpson himself, along with many other career politicians, has spent his life sucking on the taxpayer's teat.

We have no idea if the letter is real, but we imagine it captures the feelings of many Americans as they watch their dysfunctional government drive the country ever-deeper into a hole by making decisions that seem designed only to get them re-elected.

Given the extent of our current financial problems, some government leaders at some point are going to have to break promises made to Americans by their government predecessors--predecessors who made promises they knew they couldn't keep.

The politicians could make this news go down a bit easier if they imposed the consequences of some of these broken promises on themselves.

Here's the text of the supposed letter to Mr. Simpson. We've edited out some adjectives and expletives.

Hey Alan, let's get a few things straight...

1. As a career politician, you have been on the public tit for FIFTY YEARS.

2. I have been paying Social Security taxes for 48 YEARS (since I was 15  years old. I am now 63).

3. My Social Security payments, and those of millions of other Americans, were safely tucked away in an interest bearing account for decades until you decided to raid the account and give OUR money to a bunch of zero ambition losers in return for votes, thus bankrupting the system and turning Social Security into a Ponzi scheme that would have made Bernie Madoff proud.

4. Recently, just like Lucy & Charlie Brown, you pulled the proverbial football away from millions of American seniors nearing retirement and moved the goalposts for full retirement from age 65 to age 67. NOW, you are proposing to move the goalposts YET AGAIN.

 5 I, and millions of other Americans, have been paying into Medicare from Day One, and now you propose to change the rules of the game.. Why? Because you mismanaged other parts of the economy to such an extent that you need to steal money from Medicare to pay the bills.

 6. I, and millions of other Americans, have been paying income taxes our entire lives, and now you propose to increase our taxes yet again. Why? Because you spent our money so profligately that you just kept on spending even after you ran out of money. Now, you come to the American taxpayers and say you need more to pay off YOUR debt.

To add insult to injury, you label us "greedy" for calling bs on your incompetence. Well, now I have a few questions for YOU.

 1. How much money have you earned from the American taxpayers during your 50-year political career?

 2. At what age did you retire from your political career, and how much are you receiving in annual retirement benefits from the American taxpayers?

3. How much do you pay for YOUR government provided health insurance?

4. What cuts in YOUR retirement and healthcare benefits are you proposing in your disgusting deficit reduction proposal, or, as usual, have you exempted yourself and your political cronies?

 It is you and Congress who are the "greedy" ones. It is you who have bankrupted America and stolen the American dream from millions of loyal, patriotic taxpayers. And for what? Votes. You have bankrupted America for the sole purpose of advancing your political careers. You know it, we know it, and you know that we know it.

Forgive the Clash reference. But seriously, should Luka stay at Tottenham or should he go? Spurs boss Harry Redknapp and Chairman Daniel Levy have reiterated time and time again that Luka Modric is not for sale at any price. Of course, to Russian billionaire and Chelsea owner Roman Abramovich this can be roughly translated as "Give us more money and you can have whoever you want."

But let's come back to the original question, should he stay or should he go?

From Tottenham's point of view, Modric should stay. The 2011-2012 Premiere League season is pivotal to the future success of Tottenham Hotspur as a football club, as they are suffering a one-year slump in their hopes to become regulars in the Premiere League top four and Champions League.

Modric can be an incredibly creative little midfielder, and with the right motivation, he is an absolute game changer. If he stays, will this transfer drama go to his head and affect his play at Spurs? It certainly could and should be considered by Spurs in their Modric dilemma.

Is he irreplaceable? No. It's safe to say that Tottenham can get about as much as they want from Chelsea for the transfer. That money can be used to buy any number of players who will all but replace Modric as well as strengthen other parts of the squad.

From Chelsea's point of view, Modric is a must-have player. A young (relatively speaking) playmaker that can link up and be the ultimate connection between a strong central midfield and some world class forwards is exactly what Chelsea needs to earn back that top spot in the Premiere League. It's really quite simple for the Blues: They want him, and they have the money to buy him at any price.

Modric's point of view is harder to understand—only he knows what he wants. He can stay with a club that loves him and work to build a legendary Tottenham team that might finally be able to push themselves to the top of the Premiere League and, more importantly, stay there.

His other option is to hand in a transfer request and join up with Chelsea, a team which will surely pay him close to double what he's making now. With the move, he gets Champions League football and is surrounded by bigger-name players.

He should keep in mind, however, the name of someone who went through a similar situation not too long ago: Fernando Torres. Does Modric want to become the next cash-splash flop? If I know Modric, (which I don't,) he definitely does not.

So what do we have so far? We have Tottenham, who want to keep him and should keep him (unless they can do some major cashing in and buy a quality player or three.) We also have Chelsea, who want to buy him and should buy him to help their efforts at becoming the next English super power.

Lastly, we have wee Luka. If he can straighten his head out, he should stay at Spurs. If he can't, he should hand in his transfer request and move on. Now it all seems so simple.

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MAKE | <b>News</b> From The Future: Transparent Batteries

News From The Future: Transparent Batteries... Stanford researchers have invented a transparent lithium-ion battery that is also highly flexible. It is comparable in cost to regular batteries on.

MAKE | <b>News</b> From The Future: Transparent Batteries

<b>News</b> attacks — Crooked Timber

I've received the ultimate accolade from News Corporation, graduating from snarky asides and dark mutterings in which I'm identified only indirectly to a full-length hit piece in our only national (general) newspaper, ...

<b>News</b> attacks — Crooked Timber

08/03/2011: U.S. Department of Justice, EPA to Hold <b>News</b> <b>...</b>

3, 2011) - Representatives of the U.S. Department of Justice and the U.S. Environmental Protection Agency will hold a news conference at 1:30 p.m. tomorrow, Thursday, Aug. 4, in St. Louis, Mo., to discuss a significant ...

08/03/2011: U.S. Department of Justice, EPA to Hold <b>News</b> <b>...</b>

Making Money Now

 

Surprisingly enough, AmEx’s 20% rebate is actually a good deal. They offer competitive rates on airfare and hotel booking, and allow you to pay entirely or partially with points.

Numbers, crunched

American Express points, when used through the Pay with Points program, are valued at one cent per point, so you could redeem 97,600 points for that $976 flight to Heathrow from San Francisco. After the 20% bonus is credited to your account (it happens after the fact, and takes 10-12 weeks, according to the Pay with Points website), you’ll have spent 78,000 points, or $780. That’s $185 saved over booking with Kayak or Travelocity, enough that only one-third of your England trip will be spent lamenting the weakness of the American dollar.

American Express Platinum is steadily earning our respect

We’re generally happy with American Express as a card for international travelers, especially since the Platinum and Centurion joined the ranks of credit cards with no foreign transaction fee. Now that you can redeem your points through American Express Travel and get 20% of those points back, we’re even happier.

The American Express Platinum is one of the best-known premium credit cards, and offers a number of perks for international (or domestic) travelers. There’s a 50,000-point signing bonus (worth $500), a base rewards rate of 1% and an annual fee of $450. And based on the numbers we ran above, it only takes a couple of international flights to make up for most of that hefty fee.

Skipping customs and sipping champagne: the joys of premium credit cards

Beyond the numbers, however, the true value of the AmEx Platinum (and, really, for all premium credit cards) lies in the lovely perks. The Platinum shells out $200 in refunds for travel-related expenses like baggage fees and in-flight meals, and a free Priority Pass membership that gives access to over 600 airport lounges worldwide. A special boon for international travelers is the $100 credit towards the government Global Entry program, which allows you to skip customs lines coming back to the US (after, of course, an extensive background check). You also receive one companion ticket a year, which allows someone to fly with you, round trip, in the same class, as long as you book a business or first class ticket.

A version of this column is scheduled to be published in The Washington Times, Monday, July 11, 2011.

Follow the Money No. 74: Charlie Chaplin’s suit?

The geopolitical question of the hour: is there a tripwire that will tie together a series of regional crises bringing on another 2007-08 worldwide economic disaster?

Lehman Brothers’ collapse dramatized how enhanced interconnections can tumble through the new world economy with domino effect. But if the world finance mavim know a seminal interrelation of our several bubbling crises, they are not telling us. Meanwhile, the minitheaters percolate:

Europe –There’s growing consensus Greece’s economic collapse is leading to a restructuring of the European Union’s finances with more than 20% of the world’s gross product. Shooting the messenger – the growing attacks on rating agencies which, indeed, are feeding debilitating increases in the cost of debt – doesn’t solve the problem nor do complicated if band-aid solutions. Nor, does it seem likely to this observer, creation of a Eurobond market to absorb growing debt would automatically bring about inspired, problem-solving central European fiscal and monetary direction. [It didn’t with creation of the Euro “common currency”.]

The U.S. – However much the Obama Administration’s stimulus program staved off an even worse crisis – to be argued until the end of the economists’ time, not soon contrary to John Maynard Keynes hopeful prediction the profession would die out – it has run out its string. Public opinion demands curbing deficit spending. But how against pressures of “special interests” [yours’ always are, mine are heaven blessed] is a conundrum taxing the American political system. It‘s a time when parliamentary government – with its ability to bring down a cabinet’s failed strategy instantaneously – is envied. Instead, more than a year’s political mudslinging appears inevitably producing near paralysis. Meanwhile despite widespread denials – including fudging with inventions like “core inflation” – higher prices could couple with stubborn underdemployment/unemployment and an unresolved housing bubble for increasing misery.

China – The cracks, long seen by the few who questioned sustainability of the miracle of “the world’s factory”, are widening. Beijing central planners – despite their rationale only rapid growth could legitimate “Communism with Chinese characteristics” by providing jobs and stability -- have curbed unlimited infrastructure expansion which with now slowing exports was the engine of growth. “Creative accounting” takes on new meaning for government banks hiding “non-performing loans” in new set-aside organs now making their own bad loans. Beijing’s inability to “feed” local Party hacks leads them to “squeeze” workers and farmers in turn leading to growing violence. Inflation, especially food where most Chinese live, grows despite monetary devices borrowed from Western systems largely ineffective on what still is a Soviet skeleton.

Japan – The world’s third largest economic power drifts, mysteriously bereft of political leadership, caricatured in its inability to address the destruction of the earthquake-tsunami with characteristic “Yamato Damishi” [fortitude]. In Japan’s hot, muggy summer, only 19 of 54 reactors are operating in the face of anti-nuclear sentiment. With more to shut down, cutbacks of 15% already haunt large electricity customers and boosts expensive fossil fuel imports. Consumer confidence falls to record lows, ominous for Japan’s rapidly ageing population. Government debt, already the world's highest ratio at 200% of GDP, will rise as Tokyo borrows $100 billion to rebuild and GDP shrinks. Luckily, Tokyo borrows at home at floor-scraping 1.5%. But, Japan, too, has its echo of the American argument: Economy Minister Kaoru Yosano opposes Tokyo selling itself bonds as the Fed and Treasury have done, warning resulting higher finance charges would hit Japanese banks.

But how does it all connect? We saw how Japan’s disaster put a crimp in the manufacturing supply chain from Shanghai to Detroit. But, for example, what call have German and other European banks on their U.S. colleagues if Greece defaults? Japan, which has been lending the world $175 billion annually in investment capital, is out of that business. Nobody wants to talk about the impact on Spain [20% of the EU GDP] if Greece [3% of the EU GDP], followed by Portugal and perhaps Ireland, “goes”. What will that do to Latin America where Spanish banks have invested heavily as the Brazilian boom simultaneously now threatens to go “bust”? Australia’s roaring dollar is already feeling Chinese cutbacks as will all commodities producers, perhaps even the Mideast petrosheikhs.

In one of his serio-comic sequences, Charlie Chaplin’s little tramp starts pulling a thread from his crumpled suit. Before long, his whole miserable costume dissolves. Is there that kind of loose thread here?

sws-07-08-11

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Obama, Boehner Announce Agreement to Raise Debt Ceiling, Avoid <b>...</b>

ABC News' Z. Byron Wolf (@zbyronwolf) reports: It took the threat of economic collapse and a long, contentious negotiation -- and there will still be votes in Congress before it's truly done -- but lawmakers from both ...

Obama, Boehner Announce Agreement to Raise Debt Ceiling, Avoid <b>...</b>

Negotiating All But Done for $2.7 Trillion Deficit Reduction Deal <b>...</b>

Sources from both parties tell ABC News that the major potential roadblock in deficit negotiations-- the triggers -- are now essentially agreed upon. The plan is for the House to vote on this tomorrow, assuming all goes ...

Negotiating All But Done for $2.7 Trillion Deficit Reduction Deal <b>...</b>

Morning <b>News</b> | Slog

Posted by news intern Peter Johnson. Debt Ceiling: the Senate will vote on a new plan at 1 PM today. Talks are ongoing; Senate Majority...

Morning <b>News</b> | Slog