Sunday, December 30, 2012

CFLA Announces California State Bar 6 HR CLE, ?Homeowner Bill of Rights,? on January 19, 2013

Los Angeles, CA, December 29, 2012 ?(PR.com)? Beginning January 1, the Homeowner Bill of Rights will:

-Ban "dual-tracking" (which is when banks pursued foreclosure even though the homeowner was seeking a loan modification)
-Require one contact person per customer
-Increase penalties for robo-signing (which automatically approves foreclosure without anyone reading documents)
-Let homeowners sue for violations

Class fee is $595 online or $795 at the door. For more information and to register, visit www.CertifiedForensicLoanAuditors.com

Class Schedule
Patricia Rodriguez, Esq.

Law Offices of Patricia Rodriguez

-Member of the State Bar of California
-Admitted in Central, Northern and Eastern Federal District Courts of California
-Temple University Law School ? J. D.
-Temple University Law School ? Law Program in Japan
-University of Southern California (USC) ? B. S. in Business
-Member of Beverly Hills Bar Association
-Member of Mexican American Bar Association

Ms. Rodriguez obtained her Juris Doctor from Temple University. While there, she participated in their National Trial Team and received exceptional advocacy training from one of the best law school programs in the country. Ms. Rodriguez previously worked for the Camden Public Defenders Office, the Philadelphia Public Defenders Office, the Los Angeles District Attorney s Office and the Los Angeles Public Defenders Office. She currently runs her own boutique law firm in Los Angeles County specializing in Criminal Defense, Foreclosure Defense, and Bankruptcy Law.

I California Homeowner Bill of Rights

(a) SB 900 Procedural History
(b) Goals of the California Homeowner Bill of Rights
(c) Meeting the Goals

II Application of the Law

(a) Eligibility
(b) Large Lenders
(c) Exclusions

III Relevant Provisions

(a) Mortgage Servicer Defined
(b) Dual Tracking
(c) Changes to Loan Modification Process
(d) Single Point of Contact Established
(e) Robo-Signing Eliminated
(f) New Notice Requirements
(g) No Application Fees or Late Fees
(h) Right to Sue Mortgage Servicers

Homeowner Bill of Rights Questionnaire

-Has the property been sold at trustee s sale?
-Has a Trustee s Deed Upon Sale been recorded?
-Have you already surrendered the property to the lender?
-Is the subject property an investment property?
-Is the subject property your primary residence?
-Is the default on your first lien mortgage?
-Is the loan/ deed in your name or in a trust/ corp?
-Are you currently in bankruptcy
-Have you contracted with someone or an entity whose primary business is advising people on how to extend their foreclosure and avoid their contractual obligations under the loan?
-Who is the current lender?
-Who is the servicer?
-Are you currently in the modification review process?
-Have you previously applied for a loan modification with this lender?
-Were you given a reason for the denial?
-Is there a material change in your financial circumstances since your previous application? If so, what is the change?

Contact Information:
CFLA, Inc
Andrew Lehman
1-888-758-CFLA (2352)
Contact via Email
http://www.certifiedforensicloanauditors.com
National Account Sales Office
13101 W Washington Blvd Suite 140
Los Angeles, CA 90066

Click here to read the full story: CFLA Announces California State Bar 6 HR CLE, ?Homeowner Bill of Rights,? on January 19, 2013

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Source: http://www.americanbankingnews.com/2012/12/29/cfla-announces-california-state-bar-6-hr-cle-homeowner-bill-of-rights-on-january-19-2013/

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Hello?


RolePlayGateway is proudly powered by obscene amounts of caffeine, duct tape, and support from people like you. It operates under a "don't like it, suggest an improvement" platform, and we gladly take suggestions for improvements or changes.

The custom-built "roleplay" system was designed and implemented by Eric Martindale as of July 2009. All attempts to replicate or otherwise emulate this system and its method of organizing roleplay are strictly prohibited without his express written and contractual permission; violators will be prosecuted to the fullest extent of the law.

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Source: http://feedproxy.google.com/~r/RolePlayGateway/~3/zC6SryQH3WU/viewtopic.php

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Saturday, December 29, 2012

ITC Judge recommends Samsung post 88 percent value bond, import bans in Apple patent case

If you're keeping track of the multiple, and let's face it, tiresome Samsung / Apple patent debacle, a document that just turned up at the ITC might spell more trouble for the Korean manufacturer. It's a publicly redacted version of Judge Pender's recommendations, and pertains to the October ruling that deemed Samsung borrowed four of Cupertino's designs. The most iconic being design patent D618,678 (that which you see above). The others include multi-touch patent 7,479,949 (which was tentatively invalidated) along with two other patents (RE41,922 and 7,912,501) relating to graphic display elements and audio hardware detection. If the recommendations are adopted -- and FOSS Patents suggests this is entirely possible -- Samsung could face a US import ban after a 60 day presidential review, an order prohibiting "significant" sales of infringing products in America along with a posting a bond for 88 percent of the entered value of mobile phones (plus 32.5 percent for media players and 37.6 percent for tablets) that include the breaching design features. Pender has, however, reportedly cleared several Samsung "designarounds" which, if implemented to satisfaction, would mean the tech giant could continue trading. For now though, the recommendations are awaiting the Commission's review.

Filed under: , , , ,

Comments

Via: FOSS Patents

Source: ITC (Doc ID 500118)

Source: http://feeds.engadget.com/~r/weblogsinc/engadget/~3/d0C7_nCfRZo/

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2005 Ford F-150 (Mautofied) $14,000

  • Meet the seller and test drive before you buy.
  • Be cautious of underpriced items.
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  • Only pay for shipping if you know the seller.

To learn more, visit the Safety Center or click here to report this listing.

Source: http://americusga.oodle.com/j_rsxx_/3270155823-20477u457,1105/cars.oodle.com___5B4UdPJO0dLLlEEVwsAHBXo_iNbmmX7wnrNDOZsKnMgOrqeiqHYK-6XZ0HqWZcQh7hmxADsUS8XLfXhvP_oGRJ1DjgRGIBTu2DNo0TuS8R1DHsaRYkZxiWR2iA320Ig_bo7fq2PILST1ClN4-iPY5kqU3RRWlP5g

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Thursday, December 27, 2012

Self Improvement And Empowerment Blog: How to Stop Feelings of ...

I seek strength, not to be greater than another, but to fight my greatest enemy, the doubts within myself. ~P.D. Cast

Of all the elements that form the comfort zone, unworthiness is without question the most insidious.

Unworthiness is that shadowy deep-seated belief that creeps into our minds and tells us we are undeserving and not good enough, inadequate and fundamentally flawed. Unworthiness serves as a shield to insulate us from risk, chance and the unknown.

Some of us may already be aware of certain limiting and negative beliefs we have about ourselves. These we can learn to heal and change. The real problem goes deeper... it's the unconscious self-doubt and unworthy feelings we accept about ourselves.

The unworthiness mantra is "Don't try it, don't even think about it."

Without realizing it, we allow unworthiness to sabotage us in a hundred different ways, using endless justifications to keep from reaching for our dreams. For the sake of shielding ourselves from even the remote possibility of having to face our own fundamental inadequacy... we will do whatever it takes to just not think about it.

We repeatedly second guess our choices; falling into endless mental reruns picking apart what we could or should have done differently; over time finding it harder and harder to make definitive decisions that will enable us to move forward.
We avoid testing (or exposing) ourselves by allowing days, weeks and years to go by as we focus on the daily minutia of life and tell ourselves we'll get to the big important stuff as soon as we're 'caught up' or when the 'time is right.'
We use our responsibilities, especially to others, as shields to prevent ourselves from trying something new.

While there's a lot to be said for gratitude, there is a BIG difference between appreciating all the good things and people in your life and choosing to settle for less because you don't believe you deserve or are capable of more.


A few months ago I received a heartbreaking note from a reader who wanted to share with me why she had just unsubscribed from IGG. She went on to explain that while she enjoyed the articles and found them inspiring they also depressed her because she found herself focusing on all that she could never have or be in her life. "A lot of people have it worse than me, so I just need to stop dreaming and be grateful for what I have now."

How to Resolve Feelings of Unworthiness

Be willing to challenge beliefs about yourself: Begin by exploring the 'why' behind negative self talk. Make a positive statement about yourself such as I am a loving person or I deserve to achieve my dream of (fill in the blank). Then focus on any negative or contradictory thoughts that pop into your mind about your declaration. A personal journal is a great tool for this exercise. The more specific you can be with your statement, the greater the likelihood you'll be able to uncover those sneaky unworthy feelings.

One step at a time: Once you begin to identify unworthy thoughts or triggers you can start gently stretching the limits of your comfort zone. Be willing to try different strategies and don't be discouraged if you have to keep at it for awhile. These feelings of unworthiness have likely been with you for decades, so be kind to yourself, celebrate small victories, and be patiently persistent.

Let go of the past: For some reason, at some point in your life you came to the conclusion that you were lacking. Maybe you were bullied as a kid, or maybe you made a mistake... maybe it was a real whopper of a mistake and now you're stuck mentally rerunning the experience and what you could or should have done differently. It's time to let it go. The longer this has been going on the tougher it will be to clear it from your mind, but meaningful change always begins with a decision and in this case it's up to you to choose not to give those thoughts the energy they require to remain an active part of your life.

Risk change: The thing about unworthiness is over time it becomes a comfortable companion and it is awfully tempting to stay with what's known rather than risk the discomfort of change, rejection or even failure. Focus on your dreams and find a purpose that is important enough to motivate you to muster the strength and courage to step into the unknown and be free of what's holding you back.

Be willing to ask for help: Sometimes feelings of unworthiness stem from a major life change or a traumatic event. As valuable as self-directed personal growth exercises can be, it's important to understand that asking for help is not a weakness. Even the most courageous and successful people from time to time need a helping hand to move forward.

Sometimes the space between where you are and where you want to be can feel like a massive distance, but the truth is even the most self-confident among us will experience doubt from time to time. We may not be able to completely avoid it, but we can become more resilient by developing a strategy that enables us to effectively conquer feelings of self-doubt and unworthiness. Providing useful self development, self empowerment and self esteem tips and reviews online.

Source: http://selfimprovementandempowerment.blogspot.com/2012/12/how-to-stop-feelings-of-unworthiness.html

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Source: http://foegafsad.posterous.com/self-improvement-and-empowerment-blog-how-to

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Wednesday, December 26, 2012

How to Get Traffic To Your Website ? Work From Home Business ...

bit.ly My Skype username is (the7figuremarketer) my facebook: facebook.com my twitter: twitter.com my blog: genewolff.com The 5 minute traffic tycoon system is a done for you traffic and lead generation marketing system that cuts out all the BS about learning how to generate leads, trafffic and optins to your programs, products or services. What is required: ? you need to join Host Then Profits to get an autoresponder and your own website hosting ? 5 Minute Traffic Tycoon Paid Membership ? a Free 5 minute mogul membership ? get a domain name from global domains international (another income stream, I can provide you with my affiliate link) or get a 1 time payment domain of 5.99-7.99 to godaddy for a yea. If you have any questions about this system pelase dont hesitate to add me on skype. Its free to download. My username is (the7figuremarketer) bit.ly Business "website traffic" "lead generation" "make money online" "work from home" "how to make money online" "how to generate leads" "network marketing lead" "how to network marketing leads" "work from home business" "home business review" "5minute mogul" "5minute mogul system" "5 minute traffic tycoon"
Source: How to Get Traffic To Your Website ? Work From Home Business Review (Youtube).

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This entry was posted in Domain News on by Domain Names.

Source: http://www.premodomains.com/traffic-work-business-review/

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Spade named district sales manager | Business People

Amy Spade was named district sales manager for Cincinnati, Dayton, and Northern Kentucky at Paylocity. Spade brings 20 years of extensive payroll management expertise to Paylocity?s sales force. Paylocity services thousands of businesses in the mid-market nationwide, within diverse industries requiring online payroll services.

Posted in: New hires

Tags: Paylocity

Source: http://cincinnati.com/blogs/businesspeople/2012/12/25/spade-named-district-sales-manager/

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Tuesday, December 25, 2012

??????? ?? - ????? ???????????? ?????????? - ???????????? ...

??????? ?????????, ???????? ??? ???????, ??? ??? ???????, ??????? ?????? ??????????????????.

CPU AMD FX-4170 BOX Black Edition (FD4170F) 4.2 ??? / 4core / 4+8?? / 125 ?? / 5200 ??? Socket AM3+
??????????? ??????????? 70 ?C. ???????????? ???????? 125 ?? - ??? ??? ???? ????? ????? ???????,
????? ?? ?????? ????? ??? ??? ??? ?? ?? ??? ???????

Kingston HyperX Predator < KHX18C9T2K2 / 16X> DDR-III DIMM 16Gb KIT 2*8Gb < PC3-15000> CL9
? ?????? ??? ?????? ???? ?????? ???????.. ???? ???? ????? ???? ? ????????

EliteGroup A960M-M3 rev1.0 (OEM) SocketAM3+ < AMD 760G> PCI-E+SVGA+GbLAN SATA RAID MicroATX 2DDR-III
(????? M/B ATI Radeon HD3000; ????????? Shader Model 4.0; RAMDAC 400 ???;
? ???????? ??????????? ???????????? ?? 512 ?? ??????????? ??????. ???????????? ?????????? 2D/3D 2048 x 1536 @ 85 ??)
? ???? ?? ???? ??? GeForce 9400 GT, ????? ?? ???????????? ?? ?????????? ????? ??????
?????????? FL Studio, Cubase, Photoshop, Video Pro X, ?? ???????????? ??????.

??? ??? ??????? ???? ??????? 400?? ??????? ????? ????? ????????????
??? ?????? ?? Thermalright? ??????? ???????? ?? ????? ??????????? ???? ????????!

????? ?? ????? ????????? ??? ??????????? ?????????????
Thermalright < HR-02> Cooler (775 / 1155 / 1366 / AM2 / AM3 / FM1, Cu+Al+????.??????)
? ??? ? ?????, ??? ?? ????? ???????? ????????? ????? ????? ??????

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?? ????? ?? ????, ??? 125 ?? ???????? ??? ????????? Web ????????
??????? ???? ???? ?? ???????, ???? ?????? ????????.. ?? ???? ???????.. ???? ???? ?????.

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How we're tracking Santa on Android this Christmas Eve

Santa on Google EarthSanta Tracker app

There's a plethora of ways to track Santa Claus online today. Here are the two I'm thrusting at my kids.

  • Google Earth: Everybody's favorite 3D(ish) map app is, of course, tracking that jolly fat guy in the red suit. It's available both in the desktop version as well as on your phone. Look for the "Follow Santa" link in the Tour Guide section. Download Google Earth here.
  • Google Santa Tracker: This one's also available on your phone or in a desktop browser. It's more two-dimensional, but I think it's a little more fun for the kids, too. Looks more like a tracker and less like a "Hey, look, we've slapped Santa on Google Earth" type of thing. Get the Android app here, and check it out in your browser here.

And be sure to remind your kids that he can see them when they're fighting over your phone.



Source: http://feedproxy.google.com/~r/androidcentral/~3/OrlkAfFQzt8/story01.htm

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Monday, December 24, 2012

Jed Leviner&#39;s Comments - The 919 Local Business Network

Welcome Jed,

I'm glad you found us.

Take the time to look at the Member Guidelines and?Membership Options.

Here is a?video tour of Inside919 so you can better understand how to put the network to work for you immediately.

We are a Paid Business Membership Organization (much like a Regional Chamber of Commerce), but our Trial Member option is a very affordable way to kick the tires and make sure that we're the right fit for growing your local business network and business.

Please let me know whenever I can be of help around here.

Gaynor

Source: http://inside919.ning.com/xn/detail/2082090%3AComment%3A864738?xg_source=activity

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Former President George H.W. Bush remains hospitalized

(Reuters) - Former President George H.W. Bush, who has been hospitalized for a month undergoing treatment for bronchitis, may not be released from a Houston hospital in time to celebrate Christmas at home as doctors had hoped.

Bush, 88, remained in stable condition and doctors were optimistic he would make a full recovery, George Kovacik, a spokesman at Methodist Hospital, said in an emailed statement on Sunday.

But doctors were being "extra cautious" with his care and no discharge date had been set, the statement said. Earlier this month, Kovacik said doctors expected Bush would be able to spend Christmas at home with his family.

"His doctors feel he should build up his energy before going home," the statement said.

Bush, the 41st president and a Republican, took office in 1989 and served one term in the White House. The father of former President George W. Bush, he also is a former congressman, U.N. ambassador, CIA director and vice president for two terms under Ronald Reagan.

(Reporting by Kevin Gray; Editing by Daniel Trotta and Vicki Allen)

Source: http://news.yahoo.com/former-president-george-h-w-bush-remains-hospitalized-165553425.html

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Sunday, December 23, 2012

Advanced Phone Systems: Improve Partnership for Your Small ...

To maintain good business partnership is an essential aspect of a successful company. Every enterprise relies greatly on another enterprise for various reasons such as importing raw materials or manufacturing, for instance. A business cannot undertake every aspect of trade, from gathering materials, manufacturing, assembling, and finally marketing. If you are running a small enterprise that markets goods directly to customers, it is important that you maintain quality communication at all times with your collaborators.

Enhanced Phone Systems Benefit Partnership

Phone systems for small business require more attention than systems of a large corporation that can afford top quality communication solutions. As an owner of a small-sized enterprise, you need to ensure that your B2B partners can contact you without difficulties, and vice versa. Phonic communication is the most suitable in the business environment as it enables collaborators to follow-up and provides information instantaneously.

Vocal communications also build trust and dependability among partners, strengthening the deal. If you have telephone systems that provide clear conversations without interferences, your business to business associates will certainly find your company reliable. It shows that you are serious about your enterprise and willing to spend on improving its communications.

Not Only for MNCs

Don?t assume that only big, successful companies need high grade business office phone systems. If customers dig your products or services, you will require better quality telephone solutions to communicate with your partners frequently and efficiently. Your phonic system must allow you ample freedom to discuss, follow-up, inquire, cancel orders, inform, and so on without problems. Sometimes, even the slightest delay in communication can ruin great opportunities. Therefore, ensure that your telephone line is always clear and available.

Maintenance of Phone Network

It is very necessary to make sure that your office phone systems are regularly tested for clarity and other phone-related performance. Maintenance of your communications infrastructure should be performed by a professional service specializing in the niche. There are a variety of ways for carrying out vocal communications; VOIP, call center AVR systems, hosted IP phone systems are a few examples. You can choose the one that best suits your needs. By ensuring your telephone network is in the best condition, you can further your business?s success without quality communications.

Timely installation or improvement of small business telephone systems furthers business growth and opportunities. After all, productive business is all about maintaining communication and relationships alive. Incorporate a good quality phonic infrastructure to provide excellent communication to your collaborators, and experience a boost in your business outcome.

Author's Bio:?

Kelly martin is a proficient person behind business outlook, lifestyle and general reviews. She has a good knowledge of various communication systems like, small business telephone systems, to help you keep your operations run smoothly. If you own a business and need guidance for your office telephone systems, or any kind of data operations, then look around for informative articles on data recovery and back up solutions.

Source: http://www.selfgrowth.com/articles/advanced-phone-systems-improve-partnership-for-your-small-business

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Home and Business Security Systems ? Airborn Eduper

on December 21, 2012

Today?s thief is becoming more and more skilled at breaking into your home and quickly finding your most valuable items without being seen. You might think that because you reside in a ?safe? neighborhood that robbery won?t be a problem for you. Sadly, this is no longer the case. A robbery can happen to anyone. Keep your home safe with quality security and surveillance equipment to make sure that you are not caught off guard. Find the best quality surveillance cameras or systems by working with our business. Our business believes in quality security for everyone; let us show you how to make this a reality. Apartment Security Officers Las Vegas


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Source: http://airborneduper.com/home-and-business-security-systems/

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Saturday, December 22, 2012

Weather 2x vs. Dark Sky vs. Today Weather: Minimalist weather apps for iPhone shootout!

Weather 2x vs. Dark Sky vs. Today Weather: Minimalist weather apps for iPhone shootout!

While weather apps like Weather 2x, Dark Sky, and Today Weather may not be the hardcore weather apps that some people want, they're just about perfect for lovers of minimalism who prefer something simpler, more elegant, and more glance-able. But which one does the best with the least? And which one will be best for you?

Weather 2x vs. Dark Sky vs. Today Weather: User interface & design

Weather 2x's interface is designed around showing you current information right off the bat. After launching the app you'll be shown the current conditions for your location. You'll be shown the location, time, temperature, and current weather state such as sunny, overcast, rainy, snowing, or whatever description is appropriate.

The rest of Weather 2x is based on a system of simple gestures. To quickly view a 5-day forecast, just slide up from the bottom of the screen. You can then scroll back and forth to see what the weather will be like for the next 5 days. You'll be shown a graphical animation of expected conditions as well as the high and low for that given day. Nothing more and nothing less.

From the main screen of Weather 2x you can also swipe to the left to reveal an hourly forecast. This also can extend out 5 days. You'll see hourly increments by time with an animation of the expected conditions and the predicted temperature. You'll also see a clock icon in the upper right hand corner. All this does is bring you back to the current time and conditions when you tap on it.

Just like you swipe to the left to view an hourly forecast, swiping right will reveal the settings panel for Weather 2x. From here you can edit settings such as switching to metric measurements to turning off sound effects. The main menu allows you to add locations by tapping the plus sign and searching. To switch different locations just swipe to the right and then select the area you'd like to see the weather for. You can also delete locations easily by tapping the edit button. You'll then see a black X appear next to each location. Just tap it to delete any location.

There is only one more setting on the main screen of Weather 2x and it's a share button. From here you can easily share weather conditions via Facebook, Twitter, or email. The main graphical image of Weather 2x will be include as well as some information on the conditions where appropriate.

Dark Sky takes a slightly different approach than Weather 2x when it comes to presenting data. Upon launching Dark Sky you'll notice that you have a graph along the top of the screen. This is a chart that will show expected precipitation over the next hour or so. If the forecast is uncertain, the graph will wobble (move slightly) indicating the forecast isn't 100% certain.

The premise of Dark Sky is to tell you conditions as they are right now and what you can expect over the next hour or so. From the main screen you can easily see what the current condition is and what is expected over the next hour. This information is always readily available to you after launching Dark Sky. The main screen does, however, give you easy access to some other important information such as the forecast for the full day. Just slide up the Full Day tab that sits beneath the information on the next hour and you'll be given a forecast for the entire day. This will include the next 3 hours, an afternoon summary, an evening summary, and an overnight summary. Next to each section you'll see data that includes high/low temperatures and a condition such as rain, snow, or sunny.

Dark Sky makes it rather easy to change locations or view weather in a different area. Along the bottom of the screen there is a bar that allows you to change locations. You can enter a zip code, address, or any other location you'd like. To return to your current location, just tap on the location arrow and you'll be taken back to weather information about your current location.

If you want to view radar maps, you can do so by simply tapping on the radar button in the upper right hand corner of the main screen. The radar maps in Dark Sky are absolutely gorgeous. Just like the chart on the main screen for precipitation, you can view this as well inside radar. Dragging your finger along the precipitation slider will change the map accordingly. You can also go back in time several hours so if you're interested in seeing past storm systems or weather conditions, you can just slide your finger backwards about 5 to 6 hours.

Today Weather starts off by asking you to add any locations you'd like. From here you'll be taken to a main screen that shows a summary for all the areas you've programmed into Today Weather. Tapping into any one of them will bring up a gorgeously laid out view of current conditions. At the top you'll see the location, time, temperature, and what it actually feels like outside. Underneath that you can view conditions for the entire day as well as an extended forecast in 4 hour increments for the remainder of the day.

Swiping to the left in Weather Today will present you with an extended 3 day forecast that is broken down in hourly increments. You'll also be given sunset and sunrise data within the forecast breakdown. From the main screen you can also swipe to the right in order to see an extended forecast for the next 7 days. The graph is absolutely stunning and shows information in a rather ingenious way. At a glance you can see high and low temperatures for each day with a summary of weather expectations at the very top.

Once inside any location you can swipe up and down in order to view different locations. The gesture works on both the current condition and extended forecast pages. Along the top of Weather Today you'll also see any weather warning indicated by a warning triangle in the upper right hand corner. Tapping on it allows you to view any warnings that are active for that location.

When it comes to user interface and design, Weather Today is probably the most gorgeous weather app we've ever seen. The functionality is there as is the visual representations to go with it.

Weather 2x vs. Dark Sky vs. Today Weather: Current weather conditions

The current weather condition section of Weather 2x is very minimal and aims to show you what the current weather is at a simple glance. The background image is supposed to represent what the current conditions are outside. On top of that you'll see the location, temperature, and time. That's it. Nothing more and nothing less.

Dark Sky's current forecast screen is far different than both Weather 2x and Today Weather. The top section of the main screen is strictly dedicated to tracking current precipitation conditions. There is nothing to interact with within the chart, it will just actively update given precipitation expectations. Underneath that you'll only see info for what is happening right now and what is happening in the next hour. The thing about Dark Sky is that it aims to give you very accurate information up to the minute. So instead of just showing you a summary of what may happen within that hour, you'll see more detailed information. If it's going to rain for 7 minutes in the next hour, that's what Dark Sky will tell you. As that time approaches, Dark Sky will become more and more exact.

Today Weather shows a brief overview of what the current conditions are within any location. Along the top you'll simply see a breakdown of temperature, location, feels like, and any warnings that may be in effect at the current time. Underneath that you'll also see an overview of the day including high and low temps as well as a graphical representation of what you should see for that day. Next to that you'll be given the likely percentage for precipitation as well as wind speed. The only other thing displayed for the current forecast is the 4 hour breakdown on expected conditions for that day.

Today Weather also has a map view like Dark Sky. From the current condition screen you can tap on the maps icon in the lower left hand corner to see current radar conditions for your area. While it is functional and shows weather variations in different areas, it's not interactive and only gives you the ability to show what the weather is like radar wise at that current moment.

When it comes to current conditions, both Weather Today and Dark Sky provide a great deal of information at a quick glance. If wind speed and high/low temps are more important to you, Weather Today is the only option that'll give you that at a quick glance. If you want more information on precipitation and have active updates on what's happening right now, Dark Sky will be the better choice.

Weather 2x vs. Dark Sky vs. Today Weather: Forecasts

The forecast section of Weather 2x is located in the bottom half of the main screen. You can access it at any time by swiping upwards on the screen. You'll then be presented with a 5 day overview of expected weather conditions. There is nothing additional to tap into or to view. You can view high and low temperatures for each day as well as a graphical representation of what kind of weather is expected.

To access hourly forecasts inside of Weather 2x, you can slide left with your finger across the screen to bring out the hourly forecast menu. Here you'll see a breakdown of the forecast in hourly increments. This will include the time, a picture of the expected condition, and the expected temperature. You'll be given the same time frame as the extended forecast under hourly which is 5 days.

Weather Today's forecast screen is accessed by swiping to the right from the main current condition screen. The one great thing about Weather Today is that it easily allows you to switch locations from either the current weather or the forecast screen. All you have to do is swipe up or down in order to view extended forecasts or current conditions.

Unlike Weather 2x and Dark Sky which show you forecasts in a plain list view, Weather Today shows forecast data in a pretty amazing graph format. You can see temperature variations represented by bars in columns as well as a picture animation of what the day should be like. The forecast will extend out a total of 7 days from today's date. At the top of the graph you'll also see the percent chance for precipitation.

Swiping right from the main screen of Weather Today also shows hourly forecasts. This data will also include sunrise and sunset information. Much like the extended forecast screen you'll see chance for precipitation, expected temperatures, and a picture representation of the conditions for that hour.

When it comes to forecasts, Weather Today's intuitive and new way of presenting forecast information is not only visually pleasing but presents data in a way that just can't be matched by either Dark Sky or Weather 2x.

Weather 2x vs. Dark Sky vs. Today Weather: Additional features

Weather 2x doesn't have any additional features to speak of minus the ability to sync to iCloud across versions of the app on other devices. If you're looking for a simple app that just shows current conditions, Weather 2x will do that but not much beyond that.

Dark Sky's killer feature is the precipitation indicators and the radar maps. They're both implemented extremely well and work just as described. The radar maps are absolutely stunning and it's nice to see controllable ones as even most advanced apps require you to press a play button that you can't stop at a certain time.

Dark Sky is also the only app that offers actual push notifications. You can customize them by tapping the notify button at the very top left of Dark Sky's main screen. The notifications will work for whenever it is going to rain or snow at your current location. You can also adjust when you don't want to be notified depending on time of the day.

Weather Today offers alerts inside the app about sever weather conditions. Anytime there are severe conditions present or coming up you'll see an alert triangle in the upper left hand corner of the app. Just tapping on it will give you information on the severe weather conditions and any public advisories concerning them.

As far as additional features, Dark Sky and Weather Today have a few but considering these are minimalist weather apps, you shouldn't expect a ton.

Tie between Dark Sky and Weather Today.

Weather 2x vs. Dark Sky vs. Today Weather: Pricing

When it comes to pricing Weather 2x, Dark Sky, and Today Weather are all pretty close so we'd imagine it won't be an issue for many. Currently Weather 2x will come in at the lowest price point of $0.99. There are no additional in-app purchases. Today Weather will cost you a little bit more at $1.99 but for the visual design alone, it's worth it. Dark Sky is priced the highest at $3.99 but if you live in a climate where there's lots of rain and you want to know when you're going to have a few clear hours, it's well worth the money.

Tie between all three. None are extremely expensive and all are reasonable for what features they give you.

Weather 2x vs. Dark Sky vs. Today Weather: The bottom line

Weather 2x, Dark Sky, and Today Weather are all gorgeous weather apps with minimalist, meaningful interfaces that present just enough data to be glance-able, and do it beautifully.

Dark Sky is good if you really need up to the minute information on rainy days. In other words, if you live in Seattle or another area that receives high rainfall each year, do not pass go, pick up Dark Sky and don't look back.

Weather 2x is barebones and provides only the information about current conditions and a short forecast. If that's all you need, it's the best choice.

Today Weather is hands down the absolute best choice if you need more than 5 days forecast time, and it's our current favorite weather app for minimalists.



Source: http://feedproxy.google.com/~r/TheIphoneBlog/~3/6vP5uaciEIY/story01.htm

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Discover Financial Services 4Q net income rises

LOS ANGELES (AP) -- Discover Financial Services on Thursday reported higher earnings for its fiscal fourth quarter, as users of its namesake credit card stepped up purchases and the company wrote off fewer unpaid balances.

Even so, the Riverwoods, Ill.-based company's results fell short of Wall Street expectations, and investors sent its shares down over 3 percent Thursday.

Discover, the nation's sixth-largest credit card issuer, said total loans, credit card loans and Discover card sales volume increased 6 percent in the quarter, which coincided with the tail end of the back-to-school shopping season and the ramp up to the December holidays ? key periods when consumers traditionally spend more.

Discover card sales volume increased to $26.5 billion, while credit card loans at the end of the quarter totaled $49.6 billion. Private student loans rose 6 percent, while personal loans climbed 24 percent, the company said.

"Our strong receivables and sales growth results demonstrate the effectiveness of our marketing programs, consumers' preference for cash rewards and our acceptance and awareness initiatives," Chairman and CEO David Nelms said during a conference call with analysts.

While Discover's customers racked up more debt, more of them paid off credit card balances on time. The delinquency rate on credit-card loans over 30 days past due was 1.86 percent, an improvement of 53 basis points from a year earlier. The rate of charge-offs, when the company writes off unpaid credit card balances, dropped to a historic low of 2.29 percent.

"While the continued improvement in credit appears to be nearing an end, we don't believe we are at a point where charge-offs are poised to rise significantly," Nelms said.

Nationwide the rate of credit card payments at least 90 days overdue edged up in the third quarter to 0.75 percent, according to credit reporting agency TransUnion. The rate is coming off historically low levels, however.

Discover has traditionally had one of the lowest rates for default and delinquency in the credit card industry, the result of tighter lending standards and close monitoring of problem accounts.

The company has reported improvement in its customers' default and late-payment rates since the Great Recession, as cardholders moved to pay down debt and boost savings.

Late-payment rates tend to creep higher in the fall, particularly as cardholders spend more money on holiday shopping, travel and other expenses. The company said that seasonal factor led to a slight increase in its credit card loan delinquency rate between the third and fourth quarter.

While Discover's rates for late payments and defaults remain low, the company has been making more loans. As a result, it has been setting aside more funds to cover potential loan losses.

In the September-to-November quarter, Discover increased its provision for loan losses by 6 percent to $338 million, noting that was somewhat offset by a drop in the number of unpaid credit card balances that had to be written off.

Meanwhile Discover's payment-services business, which competes with Visa and MasterCard, saw dollar volume increase 13 percent in the latest quarter.

In a client note Thursday, RBC Capital Markets analyst Jason Arnold said Discover is benefiting from increased acceptance of its cards and favorable credit trends.

"We remain very enthused by Discover's fundamental position and believe the company remains well positioned for loan and (earnings per share) growth," wrote Arnold, who has a $50 price target on the stock.

For the period ended Nov. 30, Discover earned $541 million, or $1.07 per share. That compares with $513 million, or 95 cents per share, a year earlier.

Analysts surveyed by FactSet expected earnings of $1.12 per share.

Revenue climbed 11 percent to $2 billion, after interest expense. Wall Street forecast $1.96 billion.

Also on Thursday, Discover declared a dividend of 14 cents per share. It will be paid on Jan. 17 to shareholders of record on Jan. 3.

Discover shares fell $1.36, or 3.4 percent, to close at $38.41 Thursday. The stock is up 60 percent this year.

Source: http://news.yahoo.com/discover-financial-services-4q-net-140452151.html

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Thursday, December 20, 2012

Holiday Show: Presents For Every NFL Team - Dec 24,2012

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    On his show, Comedian Rodney Perry covers arts and entertainment, everything from comedy and politics to music and acting, with his signature comedic slant.

  • MashUp Radio is a 30-minute podcast that discusses the fusion of technology, life, culture and science. Host Peter Biddle, engineer and executive for Intel?s Atom Software, dishes up a thought-provoking discussion.

  • Joy Keys provides her listeners with insight to improve their lives mentally, physically, monetarily and emotionally. Past guests on the show have included Meshell Nedegeocello, Blair Underwood, in addition to an impressive list of CEOs, humanitarians and authors.

  • Host Barry Moltz gets small businesses unstuck. He has founded and run small businesses with a great deal of success and failure for more than 15 years. This is a business radio show where he shares all the craziness of small business. It?s that craziness that actually makes it exciting, interesting and totally unpredictable.

  • The Bottom Line Sports Show is hosted by former NBA stars Penny Hardaway, Charles Oakley, Mateen Cleaves. Tune in to get the inside scoop on what's happening in sports today.

  • Deepak Chopra Radio provides an online forum for compelling and thought provoking conversations on success, love, sexuality and relationships, well-being and spirituality.

  • Hits Radio covers basketball, sports culture and entertainment with past guests including Jason Kidd, Robin Lundberg and Chris Herren.

  • Listeners get an earful on The Halli Casser-Jayne Show, Talk Radio for Fine Minds. Whether it?s the current political cocktail or the latest must-read award-winning book, Halli tackles all topics and likes to stir ? and sometimes shakes ? things up.

  • Official Internet radio show of forthcoming epic paranormal investigation book by Eric Olsen and "Haunted Housewife" Theresa Argie.

  • Award-winning World Footprints is a leading voice in socially responsible travel and lifestyle. Hosts Ian & Tonya celebrate culture and heritage and bring a unique voice to the world of travel.

  • Football Reporters Online is a group of veteran football experts in the fields of coaching, scouting, talent evaluation, and writing/broadcasting/media placement. Combined, the group brings well over 100 years of expertise in sports.

  • Host John Martin interviews the nation's leading entrepreneurs and small biz experts to educate small business owners on how to be successful. Past guests have included Emeril Lagasse and Guy Kawasaki.

  • The Movie Geeks share their passion for the art through interviews with the stars of and creative minds behind your favorite flicks and pay tribute to big-screen legends. From James Cameron and Francis Ford Coppola to Ellen Burstyn and Robert Duvall, The Geeks have got'em all.

  • Sylvia Global presents global conversations pertaining to women, wealth, business, faith and philanthropy. Sylvia has interviewed an eclectic mix from CEOs and musicians to fashion designers and philanthropists including Randolph Duke and Ne-Yo.

  • Seasoned entertainment reporter Robin Milling gets up close and personal with the world's most compelling celebs. From Michael Douglas to Katie Holmes to Kevin Kline to Ashley Judd to America Ferrera, she sits down in person each week with each and every A-lister.

  • Mr. Media host Bob Andelman goes one-on-one with the hottest, most influential minds from the worlds of film, TV, music, comedy, journalism and literature. That means A-listers like Kirk Douglas, Christian Slater, Kathy Ireland, Rick Fox, Chris Hansen and Jackie Collins.

  • Paula Begoun, best-selling author of Don't Go to the Cosmetics Counter Without Me, separates fact from fiction on achieving a radiant, youthful complexion at any age. She?s regularly joined by health and beauty experts who offer the latest on keeping your skin in tip-top shape.

  • Source: http://www.blogtalkradio.com/draftcountdown/2012/12/24/draft-countdown

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