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Thursday, January 10, 2013

The Course Kahaani ' 112th Amateur Golf Championship Of India At RCGC

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Source: www.telegraphindia.com --- Thursday, January 10, 2013
What's common between Jamshedpur's Karan Taunk and Sri Lanka's Sisira Kumara? Or, Bhutan's Bikash Bogati and Malaysia's Abel Tam? The hunger to power putt through the Tata Steel 112th Amateur Golf Championship of India that got underway at the Royal Calcutta Golf Club on Tuesday. And why not? The tournament that dates back to 1892 is "the important event of the year for amateur golf". ...

Source: http://www.telegraphindia.com/1130110/jsp/entertainment/story_16421688.jsp

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Religious Caveman Bryan Fischer Fantasizes About Spankings From God (Little green footballs)

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Wednesday, January 9, 2013

morphemic thule: Appealing To Professionals Using Product ...

It is pretty incredible how much of a difference building your own business can have, of course you have to think about certain factors.

If you run an Internet business, you are probably aware of how much disinformation there is on the World Wide Web making good information sometimes hard to find. We will not discuss why it happens in this article. For those that are new to Internet marketing, this can be quite impactive. Your enthusiasm should be restrained if you are just starting out on the Internet. Irresistible offers, ones that motivate you to spend your money right then and there ? these are the things you need to avoid. Most IM products are discussed on the Internet in marketing forums.

One of the myths of internet marketing has to do with saturation and the level of competition. If there is an opportunity to be found, you need to start a larger market. Many markets have thousands of products, sometimes millions, which is something that most overlook when trying to choose a niche. Entire markets may seem to be controlled by just a couple different people, but this type of domination is actually rare. If you are selling your own product, or an affiliate for other products, branding yourself is absolutely essential. To succeed, you must make the effort to do so, dedicating yourself to get what you need to do done every day. Large markets should be recognized because they contain sub niches that can be very useful. Then, there are related markets with their sub-niches. Every niche and sub niche will have products that are related to them. These products are created because people need to have them and will pay money for them. By identifying what the target audience will need, you can find a niche product, offer it to that audience, and perhaps make sales from your efforts. You have to be sure the markets are truly related otherwise there will be no demand for it. To get going in this competitive market arena, you can start slowly and work your way up.

We do hope that what you?ve been reading to this point with respect to business marketing, likewise also the particular information?? to do? with online business, is of assistance for you. Now read on?? more to acquire further insights about this subject matter.

What you want to do is find those markets with a real need for timely and critical information. The theme is still the same ? you are creating a mega-list product that will explain something to people that are in need. However, in this case, you may be targeting an individual online marketer or even a midsized business.

For example, you can choose a hot topic like website usability. You could be very specific with your title saying ?97 Ways to Profit with Your Website Every Day? ? you get the picture. The topic needs to be oriented toward helping small businesses. If it does, you will make a profit. You?ll spend your time much more wisely if, instead, you spend time working on these marketing techniques. Anything and everything you decide will be fine even if you don?t do anything; like with everything else, it?s up to you. But think about diversity in your marketing and how it may save your business if things should change.

Source: http://www.infobizforum.com/appealing-to-professionals-using-product-creation-tactics/

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Tax Roundup: 1/8/2013: Iowa to issue mortgage credit certificates ...

Dave Jamison

Iowa issuing new certificates for federal?mortgage interest tax credits.? The Iowa Finance Authority yesterday announced that it will issue mortgage credit certificates that enable Iowans to qualify for the federal mortgage interest credit.? O. Kay Henderson reports:

The Iowa Finance Authority is offering a new tax credit for new homeowners who fall under limits on annual income and the purchase price of their home. Iowa Finance Authority director Dave Jamison?says it?s a credit linked to the mortgage interest new homeowners are paying.

?Yet another way that Iowans who meet our program guidelines can experience the many benefits of home ownership,? Jamison says.

Iowans with the certificates may be able to claim the federal credit on Form 8396.? The IRS describes the credit here.? They note that interest that qualifies for the credit does not qualify for the home mortgage deduction.? You only qualify for the credit if you have a mortgage credit certificate from a qualifying agency; in Iowa, that agency is the Iowa Finance Authority.

The credit isn?t for everyone; there are limits based on income and home price.? From the O. Kay Henderson story:

Eligibility guidelines are different for each Iowa county. In the state?s largest county, Polk County, a couple with an annual income of up to $75,000 could qualify for the credit on a home that was purchased for $250,000 or less.

Motley Crue Members Entangled in Legal Battle Also Involving ...

Aerosmith vocalist Steven Tyler, his former management company Kovac Media Group and Tyler?s lawyer, Dina LaPolt, have been entrenched in a legal battle since October 2012, regarding issues with the singer?s stint as a judge on ?American Idol.? Tyler?s former management company accuses the singer?s lawyer allegedly sabotaged a multimillion dollar deal for the Aerosmith legend, resulting in Tyler?s exit from the popular TV show. As if this wasn?t dramatic enough, the Hollywood Reporter?reports that?Mick Mars and Tommy Lee of?Motley Crue are now involved in another issue between both Kovac Media Group and lawyer Dina LaPolt, adding to the whirlwind of serious allegations.

Although both Steven Tyler and Motley Crue are both caught in the middle of legal battles between Kovac Media Group and Dina LaPolt, the issues involving both bands are separate. Kovac Media Group, run by Allen Kovac, claims that LaPolt?s actions cost Steven Tyler his ?American Idol? deal, apparently worth a total of $6-$8 million. Despite Kovac?s claim, Tyler denies any sort of sabotage took place and has taken the side of LaPolt.

After Kovac filed the Steven Tyler lawsuit, the media mogul added new claims, alleging that Dina LaPolt, in an act of retaliation, has been conspiring to set up her own management company in order to steal Motley Crue, who Kovac has represented for 15 years. Much like Steven Tyler, Motley Crue guitarist Mick Mars and drummer Tommy Lee are also supporting LaPolt, both Crue musicians having filed legal paperwork in an attempt to halt Kovac?s legal proceedings against their lawyer.

Mick Mars first heard of the Steven Tyler case on Oct. 15, and was left aghast to say the least, claiming he was ?completely shocked and mad that Motley Crue?s manager had sued our lawyer. I trust Dina implicitly, to the point that she is my trustee if I die or become disabled.?

Meanwhile, Mars also says that Motley Crue never authorized a $200,000 transaction between the band?s business manager, Pam Malek, and Kovac to repay a loan that Kovac had given to Motley Crue singer Vince Neil, who is no longer a shareholder in the band. Malek has since been dismissed by the band, with Mars claiming ?she was controlled by [Kovac].?

Motley Crue drummer Tommy Lee, meanwhile, is echoing the same sentiments as Mars, and is upset that he now has to give a deposition on the matter.

For much more detail on this legal squabble, see the full story by the Hollywood Reporter.

Motley Crue's Nikki Sixx Recounts Near-Fatal Overdose 25 Years Later

Source: http://loudwire.com/motley-crue-legal-battle-also-involving-aerosmith-steven-tyler/

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OPINION: finally, plain English from health insurance companies ...

You probably missed it because of the media?s focus on the fiscal cliff, but a provision of ObamaCare took effect on January 1 that can help you avoid making costly mistakes when you sign up for health insurance. At the very least you?ll be able to understand what you?re actually signing up for.

From now on, health insurers will have to provide us with information in plain English, and in no more than four pages, about what their policies cover and how much we?ll have to pay out of our own pockets when we get sick. And they?ll have to provide it in a standard format that will enable us to make apples-to-apples comparisons among health plans. Click here to see an example of what the plan descriptions must now look like. ?

As you can imagine, insurers fought hard to kill that part of the law. That?s because they?ve profited for years by using legalese and gobbledygook in describing their policies, and also by purposely withholding information we really need to make informed coverage decisions.?

Now, at long last, thanks to ObamaCare, you can say goodbye and good riddance to ?explanations? like this one:

?Benefits are payable for Covered Medical Expenses (see ``Definitions'') less any Deductible incurred by or for a Covered Person for loss due to Injury or Sickness subject to: (a) the Maximum Benefit for all services; (b) the maximum amount for specific services; both as set forth in the Schedule of Benefits; and (c) any coinsurance amount set forth in the Schedule of Benefits or any endorsement hereto. The total payable for all Covered Medical Expenses shall never exceed the?Maximum Benefit stated in the Schedule of Benefits. Read the ``Definitions'' section and the ``Exclusions and Limitations'' section carefully.?

Yes, that?s from an actual policy the folks at Consumers Union found during research they did a few years ago into the consequences to patients of indecipherable policy descriptions.

One of the reasons I decided to go public as a critic of the industry I used to work for ?was my disdain for how insurance firms padded their bottom lines through obfuscations like that paragraph above. ?I described to members of Congress in 2009 how they ?confuse their customers and dump the sick?all so they can satisfy their Wall Street investors.? ?

Sharing the witness table with me during my first Senate testimony ?were Nancy Metcalf, senior editor at Consumer Reports, and Karen Pollitz, then research professor at Georgetown University?s Health Policy Institute. ?Metcalf pointed out in a policy brief she provided the senators that the average American adult reads at an 8^th grade level, yet the typical health plan document is written at a first-year college reading level.? She also noted that because of the lack of standardization, terms like ?deductible? and even ?hospitalization? varied from plan to plan.? An article she wrote for Consumer Reports described a health insurance policy that essentially hid in dense fine print the fact that hospital coverage excluded the first day of hospitalization??usually the most expensive day when lab and surgical suite costs are incurred.? That meant, of course, that the patient would have to pay the full amount of that first day in the hospital, typically several thousand dollars.

Pollitz, now a senior fellow at the Kaiser Family Foundation, spent more than a decade trying to get legislation enacted to help consumers make sense of health insurance. She and consumer advocates in California who had been studying the issue began citing the now-common ?Nutrition Facts? label as an example of what was needed.

It was so needed, she told Congress, that even studies conducted by the insurance industry showed that the majority of people asked said that they would prefer to work on their income taxes than try to read their insurance policy.

In addition to the standard format and plain English that must now be used, insurers must also provide an estimate of how much a given policy will pay for ?having a baby (normal delivery)? and ?managing type 2 diabetes? and also how much the policyholder will have to pay. In years to come, additional examples will have to provided, such as for a heart attack or breast cancer.

Pollitz cautions, however, that the cost information in the examples this year is not necessarily as reliable as it could and should be. With little fanfare, the government told insurers last summer they could use a simple formula during 2013 to estimate policyholders? out-of-pocket expenses. Next year, however, they?ll have to start using their actual claim experience in the examples.

It?s not perfect by a long shot, but it?s a great start and a lot more than we?ve ever had before.

Source: http://www.publicintegrity.org/2013/01/07/12002/opinion-finally-plain-english-health-insurance-companies

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Tuesday, January 8, 2013

2nd Winehouse inquest confirms alcohol death

LONDON (AP) ? Amy Winehouse died from accidental alcohol poisoning when she resumed drinking after a period of abstinence, a second coroner's inquest confirmed Tuesday.

Coroner Shirley Radcliffe ruled that the 27-year-old soul singer "died as a result of alcohol toxicity" and recorded a verdict of death by misadventure. She said there were no suspicious circumstances.

She said Winehouse "voluntarily consumed alcohol ? a deliberate act that took an unexpected turn and led to her death."

Tuesday's verdict was identical to that produced by a first inquest in 2011. But the result of that hearing was annulled after the original coroner was found to lack the proper qualifications for the job.

The Grammy-winning singer, who fought a very public battle with drug and alcohol abuse for years, was found dead at her London home on July 23, 2011, with empty vodka bottles scattered around her.

Radcliffe said a postmortem had found that Winehouse had a blood alcohol level five times the legal driving limit, and above a level that can prove fatal.

She said that much alcohol could affect the central nervous system so much that a patient could "fall asleep and not wake up."

Pathologist Michael Sheaff told the inquest that Winehouse had likely suffered respiratory arrest after consuming so much alcohol. The level in her blood was 416 milligrams per 100 milliliters, a blood alcohol level of 0.4 percent. The British legal driving limit is 0.08 percent.

Winehouse's family did not attend the 45-minute inquest at St. Pancras Coroner's Court, near the singer's north London home.

The original coroner resigned in November 2011 after her qualifications were questioned. She had been hired by her husband, the senior coroner for inner north London. But she had not been a registered lawyer in Britain for five years as required.

In Britain, inquests are held to determine the facts whenever someone dies unexpectedly, violently or in disputed circumstances.

The beehive-haired Winehouse shot to global fame with her 2006 album "Back to Black," which won five Grammys. But her erratic public behavior, turbulent private life and frequent health problems ? which included seizures, emphysema and bulimia ? often overshadowed her musical talent.

Tuesday's second inquest re-heard testimony from witnesses and experts including the bodyguard who found Winehouse dead, the police officer who investigated and a doctor who treated the singer as she tried to quit drugs and alcohol.

The doctor, Christina Romete, said Winehouse was "a highly intelligent individual, very determined and willful," who did not easily follow doctors' orders and resisted suggestions that she seek psychological help.

She said the singer had successfully given up drugs after a period of taking heroin, crack cocaine and marijuana, but had struggled to stop drinking, going through periods of abstinence followed by booze binges.

Winehouse started drinking a few days before her death after being dry for almost two weeks.

"She said she started drinking again because she felt bored," said Romete, who saw Winehouse the day before she died.

"I asked Amy if she was going to stop drinking that evening and she said she did not know," the doctor said.

Source: http://news.yahoo.com/2nd-winehouse-inquest-confirms-alcohol-death-105625101.html

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