January 31st, 2009
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January 30th, 2009
Buyout affairs are risky; some will turn out as good deals. Others won’t. And some will be plain bad buys from the start. That is simply the case of Bank of America’s acquisition of LaSalle Bank, which was done on October 1st last year. Yes, Bank of America acquired the bank’s assets, but with it came LaSalle’s problems, including delinquencies and bad loans.
Most of the delinquent accounts come from home construction loans, and these delinquent loans ballooned up to $336.7 million from $149.2 million last year. But despite this fact, Bank of America stated that the LaSalle buyout was meeting their expectation in terms of financial returns.
Most people, upon hearing such statement, would generally dismiss it as a bogus attempt to assure the public that everything is running smoothly in the country’s largest financial institution. Maybe it is, maybe it isn’t. But whatever the case, this should be enlightening for Bank of America, or any financial institution for that matter, to realize the gravity of the risks involved in buying out corporate entities.
Buying out other corporate entities or merging with them is, from a business perspective, a sound strategy. However, most, if not all deals involve risks and these should be contemplated upon before a company plunges into one.
Check out the Forbes profile on Courtney Ross.
Courtney Ross is the founder of the Ross School.
Learn more about Courtney Ross on the History of Corporate site.
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January 26th, 2009
Posted by admin in
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We all have them. The aunt, uncle, sister or cousin that never has a good word to say about anything and whine whenever they get the chance. I just spoke to one of mine again and listened to the reasons that XYZ or ABC will be a problem. In other words, why the things that excite me have fatal flaws. Why anything I like or promote, is destined for failure. Yet, they have good events happening in their life that they love to brag about. Their son or daughter made the honor roll again. Their spouse got another merit raise and they are on their way to vast riches and fame.
So why do I continue to call and hear the gloom and doom they find in other
things? I suppose some misguided sense of obligation to my relatives, keeps me
calling back. Even though, I know that regardless what we discuss, ultimately, I will
have to mention something about my current situation and hear the negative
feedback. It goes like this as you listen to my end of the phone call.
“Hi Fran, it’s me. What’s new? That’s wonderful. Little Timmy won another
Pulitzer Prize. Amazing, that he’s only three. Your husband discovered a cure for
cancer? Terrific. And you’ve lost so much weight they want you to model for Victoria
Secrets? Good for you. Oh, me? Well, I got a bonus at work. Oh, that will put me in a
higher tax bracket? I didn’t think about that. Did I mention my wife finally got her
PhD? Oh, they’re overrated because you can get one over the Internet and they’re
usually scams? I see your point. Hey, my daughter got a job at the local Red Lobster
as a hostess. Shouldn’t I worry that she’ll be raped in the parking lot when she gets
off late at night? No, that was something we never actually discussed. Gee, you’ve
really thought these things through, all right. Thanks for the info. It’s been great
talking to you again. Keep in touch. Bye.”
And that was a mild example. I’ve resorted to contact avoidance procedures
where I’ll concoct any excuse not to call. But can you blame me? The negativity
spreads to co-workers or friends. Often times, around the good old water cooler, I
would listen to the constant gripes and complaints about the job, employer, the pay,
the working conditions and other employees. Friends complain about their work,
relatives, and family as well. Nothing is ever good enough. The house, car, job, and
lifestyle all have their inherent problems. No one ever appears to have the things
that make them happy. So, in response, I’m going on strike. I’m going to place a
moratorium on hearing negative talk.
Come join me in my fight against the whining and complaining we all get to
experience. Become a zero-problems zone. It’s time to end the negativity and hear
positive feedback. We can do it and you can’t talk me out of this. I can feel the surge
as the readers cheer me on. I almost feel like calling up Fran and telling her the
good news. I’m just afraid she’ll remind me that I’m over on my cell minutes again.
Jeffrey Hauser was a sales consultant for the Bell System Yellow Pages for
nearly 25 years. He graduated from Pratt Institute with a BFA in Advertising
and has a Master’s Degree from Monmouth University. He had his own
advertising agency in Scottsdale, Arizona and ran a consulting and design
firm, ABC Advertising. He has authored 6 books and a novel, “Pursuit of the
Phoenix,” available at amazon.com. His latest book is, “Inside the Yellow
Pages.” Currently, he is the Marketing Director for thenurseschoice.com,
a Health Information and Doctor Referral site.
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January 25th, 2009
One of the most common causes of Feline Urinary Tract Disease (FLUTD) is what your cat eats. A feline diet that is too high in carbohydrates and magnesium, and low in protein can lead to FLUTD. When their cat is initially diagnosed with FLUTD, feline owners will usually first try to get their kitty to eat the prescription food recommended by their vet.
But what if the cat rejects their offering? As an alternative, there are specific, non-prescription cat foods available to maintain your cat's urine pH balance at 6.6. A high urine pH value indicates struvite crystal formation in your cat's urinary tract. The challenge is to find the right cat food that appeals to kitty, contains the proper amount of protein and magnesium, and has few or no by-products.
If you turn out to be one of those owners who has to find an alternative cat food, then here's five things to evaluate when selecting cat food to prevent future FLUTD occurrences in your kitty:
1. What's the Most Common Ingredient?
The first and most common ingredient that should be listed is protein - meat or fish. Read the label carefully - here's some variations you could see:
Canned cat food:
Beef
Chicken Liver
Deboned Chicken
Beef Broth
Dry cat food:
Chicken
Organic Chicken
Herring Meal
Chicken Meal
Some other good ingredients that will help your kitty maintain good urinary tract health are blueberries and cranberries. Vegetables such as carrots are good, and rice is a good grain
for your kitty to consume.
2. Are There Any By-Products?
Are by-products listed as one of the ingredients? If so, put that food back on the shelf and keep looking. By-products are filler material, and have limited nutritional value for your kitty. By-products are typically carbohydrates, and since cats are carnivores, they need protein, not carbs, for proper nutrition.
Here are some examples of by-products:
Canned cat food:
Corn gluten meal
Ground yellow corn
Soybean meal
Beef By-Products
Meat By-Products
Dry cat food:
Ground Yellow Corn
Chicken By-Product Meal
Corn Gluten Meal
Wheat flour
Corn Meal
Soy flour
3. How Much Moisture Is In the Cat Food?
What's the percentage of moisture in the cat food you're evaluating? The higher the number, the better for your kitty. More moisture means your cat will urinate more. Increased urination will flush out any crystals that may be trying to form in your cat's urinary tract. Canned cat food has a higher moisture content than dry.
4. How Much Magnesium Does the Cat Food Contain?
An excess of magnesium will contribute to struvite crystal formation (FLUTD). Some magnesium is necessary, but generally look for cat food that has a maximum of 0.025% magnesium to prevent struvite crystals.
5. Does the Cat Food Contain DL-Methionine?
DL-Methionine is an amino acid with sulfur, which helps regulate ammonia formation in urine. This amino acid helps maintain your cat's urine pH balance around 6.6, which is normal and does not encourage crystal formation.
And…since cats are cats (which means they are in charge!), be aware that what you select for them may not be what they want to eat, if they don't like the taste. If this happens, you'll need to start over again until you find a wholesome, nutritious cat food that merits two paws up from your feline!
Keep these five factors in mind when shopping for cat food to maintain your kitty's urinary tract and prevent FLUTD.
And remember, when you're considering changing your cat's diet, consult with your vet. She or he will give you expert guidance and information to make the transition easier for you and your kitty.
Copyright © 2005 Nancy E. Wigal
About Nancy: Nancy has successfully eliminated cat urine odor from her home, and kept the kitty that caused it. The Cat Urine Odor Advisor helps you save money and stop the damage in your household by offering solutions that work together to eliminate cat urine odor from your home. Subscribe to the Cat Urine Odor Solutions newsletter, and I'll send you my free report “Four Important Litter Box Basics For Your New Kitten.” Start your new addition to the family off right, and never have a cat urine odor problem! Web site: http://www.cat-urine-odor-advisor.com; Blog: http://quikonnex.com/channel/page/caturineodoradvisor; RSS feed: http://quikonnex.com/channel/view/caturineodoradvisor
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January 25th, 2009
If your dog is badly hurt in your home or while out and about with you, you should know how to administer first aid until you can reach a veterinarian. A first aid kit tailored to your dog’s needs can truly be a lifesaver. If you you’re your dog on frequent outings far from home, you would be wise to keep a second first aid kit handy in your car.
A first aid kit for a dog contains many of the same items it would for a human. A roll of absorbent cotton and some cotton balls, gauze pads and tape, a pair of small scissors with rounded tips, tweezers, instant ice pack, hydrogen peroxide, a bulb syringe for suctioning mucous from mouth or nose sterile eyewash solution made specifically for pets, a clean, white cotton sock (to cover wounded paws), small flashlight, rectal thermometer, injection syringe without the needle (to give liquid medication), and unflavored electrolyte liquid (like Pedialyte).
Keep everything in a sturdy plastic container with a secure lid. Write your veterinarian’s name and phone number on the lid, as well as that of the closest emergency pet hospital. If you travel often and leave your dog with another person, put several copies of a signed release form in the first aid kit authorizing the caregiver to approve necessary treatment.
Dog owners often have to tend to pets that have been stung by a bee. If your dog is stung while sniffing around, restrain her and remove the stinger either with tweezers or by scraping it out (moving parallel to the skin surface). Bathing the stung spot with a mix of water and baking soda will ease some of the pain. Swelling can be reduced by applying ice packs or giving a dose of Benedryl-be sure to ask your veterinarian for the proper dosage.
If your dog is injured, approach her calmly and carefully. Don’t assume that she won’t snap or bite you - injured pets often react negatively at first to any attempt to touch them. Talk soothingly and move slowly so she can see that you mean her no harm.
If your dog is bleeding heavily, it is important to slow or stop the flow as soon as possible. Use a clean towel or cloth to apply pressure directly to the wound. Change towels/cloths as needed, but keep pressure on until you reach a veterinarian. If necessary, you can apply thick gauze pads and use tape to secure them while you transport your cat. It is best, however, to keep pressure on the wound and have some one else drive.
If your dog seems to be choking, use a flashlight to check her throat. If you see and can easily remove the object, do so. If you can’t see the object but are certain your dog is choking, you might need to perform a modified Heimlich maneuver. It is important to get proper training for this, as it can cause serious injury if done incorrectly. Many humane societies and animal welfare organizations offer classes on pet first aid, that include the Heimlich maneuver, CPR, and techniques for dealing with serious injury and poisoning.
About the Author
This article courtesy of http://www.dog-training-facts.com
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January 25th, 2009
Key Facts:
Size: Medium
Height: 43 - 48 cm (17 - 19 inches)
Weight: 18 - 23 kg (40 - 50 lb)
Life Span: 12 years
Grooming: Easy
Exercise: Medium
Feeding: Medium
Temperament: Fearless & dependable
Country of Origin: United States
AKC Group: Terrier
Temperament:
The American Staffordshire Terrier is bold, fearless, outgoing, confident, loyal and intelligent. The American Staffordshire Terrier loves to please its owner and thrives on praise from its family. They get along well with people of all ages, especially with children. American Staffordshire Terriers make good guard dogs and have tremendous courage. However, due to this trait some people have trained them as fight dogs, but American Staffordshire Terriers can make docile pets when properly trained.
Grooming:
American Staffordshire Terriers need minimal grooming with their short coats. A quick brush is sufficient to keep the skin and coat healthy.
Exercise:
Regular exercise is necessary on a daily basis. American Staffordshire Terriers enjoy running alongside a cycle and playing ball games.
History:
The origins are similar to the Staffordshire Bull Terrier - blendings of the Bulldog, Black and Tan Terrier and an old white English Terrier. In 1870, they came to America and quickly became invaluable to families as guard dogs. Because the breeders preferred a slightly larger specimen than the early English Staffordshire Terriers, in 1972 the American Kennel Club permitted the word American to be added to their title to differentiate them from the English Staffordshire Bull Terrier.
Physical Characteristics:
General Appearance: Broad-chested, muscular and agile.
Colour: Whole colour, parti-coloured or patched. White not to cover more than 80% of the body.
Coat: Smooth, short, dense and glossy
Tail: Moderately short and low set.
Ears: Rose-shaped and semi-erect.
Body: The heavy neck runs to a fairly short, slightly sloping back. The chest is broad and deep.
Additional Comments:
American Staffordshire Terriers are a very devoted and protective breed that can be great family pets, so long as the correct training is provided at an early age. Otherwise they can become overly boisterous as well as aggressive towards other dogs.
About the Author
This article provided courtesy of http://www.dooziedog.com/dog_breeds/american_staffordshire_terrier/
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January 23rd, 2009
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Capitaland Author J. Peter Yakel announces the recent selection of “The Legend of Juggin Joe” cover art for featured placement on Bruce Brenner’s distinguished, Vintage Paperbacks & Digests website (http://www.vintagepbks.com/hillbilly.html). Vintage Paperbacks is highly regarded for its impressive collection of over 800 cover images of unique and rare paperbacks and digests from yesteryear, including such publishers as Ace, Avon, Bantam, Banner, Dell, Eton, Gold Medal, Handi-Books, Lion Books, Monarch, and Pyramid. The selection of modern cover art from Yakel’s recently released contemporary fiction tale marks a first for the distinguished vintage website, and for the Capitaland author, it’s not an achievement without considerable personal merit and satisfaction.
With a grin, Yakel explains how he instituted the equivalent of a ‘literary coup d’etat’ to garner placement of Juggin Joe on the prestigious website. Says Yakel, “Vintage Paperbacks & Digests recently unveiled a new ‘Hillbilly’ genre cover art section. Having visited this fine site many times before, I quickly realized that the vintage covers featured, and my Juggin Joe cover share a common theme - they are equally inspiring, nostalgic, and of course, recognizable as literary classics.”
Certain that his Juggin Joe cover would add to Vintage’s appeal, Yakel spoke directly with Vintage Proprietor and Chief Operating Officer, Bruce Brenner. “Bruce is an incredibly perceptive man, and obviously we share the same insight when it comes to classic literary works”, says the Capitaland humorist. “Bruce and I talked about Juggin Joe’s storyline, and the fact that, while Joe may not a vintage book today, it is almost certain to be some years down the road, as it seasons over time.” In addition, the Juggin Joe cover art, which Yakel conceptually created and commissioned artist Jonathan Fesmire (www.lulu.com/jonathanfesmire) to develop, is both rich in detail and visually pleasing, just as the many covers Vintage now features. “From there”, Yakel finishes, “I opined that if Bruce was as impressed with the cover as I believed he would be, placing Juggin Joe on the Vintage website today would not only be personally satisfying for the both of us, but more importantly, it would do our readers and visitors an incredible public service.”
Indeed it does. Not only does the current placement of the Juggin Joe cover art save Vintage staff the effort of finding and featuring it some years down the road, but this momentous decision also gives regular Vintage visitors, and so many others the inspiration that, despite the diminished number of unique books being written today, The Legend of Juggin Joe shines like a true beacon, proof positive that not all of the literary classics are gone.
J. Peter Yakel is a freelance writer and author. In print since 1998, his articles have appeared in numerous publications and on a variety of Internet websites.
For a free book chapter preview of “The Legend of Juggin Joe”, visit: http://www.lulu.com/yakel
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January 23rd, 2009
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Sure…I loved her. She was smart, attractive, polite and a total demon in the sack. Unfortunately, the perfection ended there. So what’s the problem, you ask? Simple…she had a garbage mouth. No, I don’t mean she cursed like a sailor, I mean her mouth literally smelled like garbage.
Beauty can hide a great many things, but it can’t mask bad breath. Those sweet nothings whispered late at night into one’s ear aren’t nearly so sweet when it smells like you are lying in a dumpster. B.O. I could have handled. She was that beautiful. An uneven temperament would have been acceptable considering all her other great qualities. Even a Cindy Crawford “beauty mark” (known to us common folk as a mole) with three long hairs hanging off of it would probably not have deterred my affection.
Bad breath, however, is something I can’t stomach. I often wondered, “how can she not know?” It wasn’t as though she had a little problem. This was the kind of bad breath that showed itself in a brightly lit room. I could swear that after a half-hour makeout session, my face would stink. There’s really no way to handle a situation such as this.
I tried the old, “I’ve got gum, would you like a stick?”, but to no avail. My next option was, “I’ve got a toothbrush, some floss and a bottle of Listerine…care to give it a try?” but luckily it never got that far. She could sense that something wasn’t right between us. Maybe it was the way I winced whenever she spoke to me. Maybe it was the way I avoided being close to her face. Maybe it was the welder’s mask I wore on our last date. I can’t be certain, but I do know that it relieved me to no end when she told me it just wasn’t working out between us.
It relieved me even more that she told me over the phone.
A BadBreathOGram is an e-mail you send to someone who you want to know has bad breath but you do not want to confront directly. Give it a try. Tell someone they have bad breath.
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January 22nd, 2009
The merchandise is everywhere: American Idol t-shirts, American Idol jewelry, American Idol accessories - all the things you need to make you look like your favorite American Idol! More than anyone else in this day and age, kids aspire to be the next Fantasia Barrino, the next Ruben Studdard, the next Carrie Underwood, and to get their shot in the limelight so they can let their talents shine.
Everyone wants to be the next American Idol. But do you have what it takes? Do you have the smarts, the guts, and the talent to survive Simon Cowell’s scathing words and signature death glare? And above all, do you have the “look”? Having the “look” of an American Idol doesn’t mean mimicking your favorite onstage personality exactly, but by having your own style and being your own person. When defining your image as a showbiz personality, as the AI judges themselves like to say: you have to be true to yourself!
So, what is the “look” you need? You don’t have to pick one Idol and copy how he or she walks the walk and talks the talk. What you need is to look at all the Idols and see what they have in common with you, so you can clearly identify what it is about you that is “Idol material.” Note that American Idol isn’t all about being unique, though uniqueness of course scores major plus points with the judges - it’s about being hip, catchy, in line with the times!
Take the lovely Fantasia Barrino, winner of the show’s third season, for example. While onstage she notably sported different bracelets, at least on her right wrist. All of the accessories she chose complemented the clothes she wore, and set off the warm earth colors she wisely picked out for herself. In the end, Fantasia’s smart accessorizing paid off: in honor of her victory at the end of the show’s third season, Paula Abdul gave Fantasia some of her personal signature jewelry line. Now that is true American Idol jewelry!
And then we have the classic beauty Kelly Clarkson, winner of the first season. Onstage, Kelly enhanced her snazzy designer clothing with elaborate rings and earrings. Interestingly, Kelly seemed to have chosen gold more frequently over silver, perhaps to complement her rich blonde hair. In a photo shoot with OK! Magazine, she sported showy gold dangle earrings and charm bracelets - modern and yet elegant.
We also have Ruben Studdard representing the guys! While not big on accessorizing with jewelry, Ruben has appeared on more than one photoshoot with a particular item: a large, ornate cross pendant. A lucky charm for our handsome winner, perhaps…? The chains are also made of gold, and the links are thick, masculine - truly fitting in with his hip-hop image.
You can mix and match, you can invent your own style, but don’t be afraid to let the real you shine. Bring out your American Idol strut, your American Idol shirt, your American Idol jewelry and your American Idol smile - in short, bring out the American Idol in you!
Sam Serio is an Internet Marketer, musician, and writer on the subject of jewelry and gemstones. For more information on jewelry and gemstones, we cordially invite you to visit http://www.morninglightjewelry.com to pick up your FREE copy of “How To Buy Jewelry And Gemstones Without Being Ripped Off.” This concise, informative special report reveals almost everything you ever wanted to know about jewelry and gemstones, but were afraid to ask. Get your FREE report at http://www.morninglightjewelry.com Also includes informative articles, comparison shopping, rare book excerpts, & link directory.
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January 21st, 2009
There are a few things you will want to buy when you begin cycling. The first and most obvious is a good mountain bike that fits you! Though that may well seem like a no-brainer, loads of people start out on bikes that are either too small, or manufactured with poor quality components, basically because they’re significantly less expensive. The exact fit and a well built racing bike can make your outing a lot smoother but, do not be persuaded to bargain shop for your racing bike. Instead, purchase one that will survive you a long time. Once you have a bicycle that’s right for you, it’s time to acquire the other cycling items that will help you to become a happy cyclist.
Lights: The minimum required by law for your bike is a couple reflectors. However, a headlight & tail light are very useful, even during the day. When it’s dark & rainy, they can make a significant impact in your visibility to motor cars.
Tools: Just like driving a motor vehicle, accidents do happen while you’re on your bike. Therefore, it is important to keep some sort of tool kit on you at all times to take care of flat tires, uncooperative chains, loose bolts & any other problems.
Helmet: Whilst it’s legal in the majority of locations to go without a cycling helmet, in a lot of others, one is mandatory. If you’re hoping to bike often, it’s sensible to have one even in locations where no helmet law exists. Check out the latest cycling equipment sales online at Sportswear-Equipment.com.
Clothing: While special cycling clothes is without doubt optional, it is wise to pay attention to what you are wearing. Loose apparel ought to be prevented, or tucked up so they don’t get trapped in the chain.
Locks: If you’re lucky enough to live in a place where you can keep your bike inside all the time, a security device is important. Even in rural areas, there are people who will willingly pinch & resell your bike.
Related topics of interest include: F1 Racing & cheap Toys.
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