Sunday, December 30, 2012

A Dog Named Leaf ? BOOK REVIEWS | Angel Animals - seattlepi ...

A DOG NAMED LEAF

By Allen Anderson (Globe Pequot Press, 224 page)

A DOG NAMED LEAF

A DOG NAMED LEAF

A Dog Named Leaf ? BOOK REVIEWS:

?This touching, almost lyrical book [A Dog Named Leaf] is a very personal story bravely told by the author and his wife?? This is a lovely story that will uplift anyone who has ever loved a dog.?

?Amy Shojai, About.com Guide, December 27, 2012

Allen says, ?Thanks to a loving, intuitive, paper-chewing pup, I am alive and well today.?

?National Examiner, as told to L.A. Justice, December 17, 2012

??The story is about Allen and the dog?s healing process and how they helped each other.? In the Epilogue Allen writes about his and Leaf?s relationship, ?We are two souls who entered each other?s lives when we most needed the healing power of a human-animal friendship.??

?Heidi Skarie, Blue Star Visions, November 25, 2012

?The author of a series of animals books has written about the healing said he experienced with the help of an emotionally scarred adopted dog.?

?Sun-Sailor, November 29, 2012

?This is a story about the marvelous bond between humans and dogs as well as the healing power of love, which can truly make miracles.?

?CosmoDoggyLand Dog Magazine, November 2012

?I truly found a kindred spirit in Allen and Linda.? They believe, as I do, that we should always view our animal companions with respect and appreciation.? Because when you look into the eyes of an animal, what you will discover is a spiritual SOUL that is experiencing this lifetime as your dog, or cat, or horse.? For those of us who have witnessed and been forever blessed by an animal?s love, this if for you!? Enjoy.?

?Val Heart & Friends, November 2012

CosmoDoggyLand Dog Magazine ? A Dog Named Leaf is in the Top 10 in DoggyBooks, Pawblications For Dog Lovers

New book reviews coming from Best Friends Magazine (May-June) and Animal Wellness (Feb).

?Part ?Marley and Me? and part Jon Katz? the story is endearing, and the many photographs of Leaf running, swimming, and chasing a tennis ball in south Minneapolis are adorable.?

?Laurie Hertzel, ?The Browser? MINNEAPOLIS STAR TRIBUNE

?If you?ve ever doubted animals have souls, this book will open your heart and mind to truly believing we are all connected. You will never doubt again. Your life will be enriched far beyond what you could have ever imagined and you will have author Allen Anderson to thank for it.? A DOG NAMED LEAF is a great gift idea for the dog loving friends and family in your life!?

?Barbara Techel, Joyful Paws

?A DOG NAMED LEAF is a beautiful story told with honesty and depth. You?ll be changed by Allen and Leaf?s journey. This book will fill you with hope.?

?Peggy Frezon, Brooks Books ? Peggy?s Pet Place

?Take a break from life?s drama and venture into a world of Leaf, a rescued dog who have changed a couple?s life. Find out how rewarding adopting a dog can be, regardless of how impossible he may seem to take care of at first. Get the book [A Dog Named Leaf]and be inspired.?

?WHiMZ News, November 8, 2012

?Allen?s writing is able to draw the reader into some peak moments of challenge and choice in the life of both Leaf and himself, as a family. It is a rare glimpse into the deep workings of spirit through our animal human love bonds. It is one of the best examples of how we need one another to heal and that the commitment to love through all things brings forth the magic of miracles.?

?Donna Strong, AWARENESS MAGAZINE

??The authorial voice is distinctly Allen?s. In 2006, Allen learns that he has an unruptured brain aneurysm, seven months after the family adopts a black cocker spaniel, Leaf, from a shelter. Throughout, he clearly conveys the affection that he and his dog have for each other and how that affection proved crucial to his recovery from brain surgery??

?PUBLISHER?S WEEKLY, September 24, 2012

Source: http://blog.seattlepi.com/angelanimals/2012/12/30/a-dog-named-leaf-book-reviews/

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The PB Writer Search Cont'd: On Writing, Paddles, and Silences ...

What I lost and where I lost it, and what you might lose before you have it.

Having a dramatic life, filled with emotional highs and lows, elating and painful events, does not necessarily fuel good writing -- at least, not if you don't have the time to let the sensations reverberate in the correct parts of your mind.

My teenage and early adult years were filled with explosive disruption. Speaking with a friend recently, I was trying to describe the mad intensity of that time to a friend, and there was no way to encapsulate all of the mad mood swings that accompanied life then. I thought of the swirling eddies of words that came from the girl on the toadstool, writing words on the wall of a bedroom not hers, then tearing at the paint until there was nothing left but scars; arriving at a party you hadn't been told was an orgy and wondering how to tell one guest from another as they writhed around each other making pink balloon animals; borscht with beat poets in the East Village and on the way there a man selling stolen formalwear on the sidewalks -- Hey, man, tuxedo, ten dollars? Just try it on, man! - then being told that Dylan had just left because you couldn't find parking; rescuing a young woman supposedly kidnapped, only to realize much later that she hadn't been, her saying, "I looked at you and saw someone else" -- that someone else being someone bad -- and relating tales of dark priests prophesying dire futures, saying she might heal everyone she touched -- or was it hurt? She couldn't remember, but thought it was maybe the former.

I was twice condemned to Hell by zealots before I was 21 and went there each time, finding it's a nice place to live, but you wouldn't want to visit. I fell in love with a girl who dressed only in rags; when she moved the layers swirled and cut the air like swords. I dropped out of school to live with her because we had the same favorite film and ended alone in an unknown city, strangers I met showing me more kindness than she ever would again. Coming home, I lay on the floor for days thinking of the time a friend had invited me on a double date, not bothering to tell me until I arrived at the movie theater that I would be going alone. I thought of a quiet girl of whom I asked questions, her saying, "No one has ever cared what I thought about things before." When we parted, her eyes were aglow with something beautiful, a realization of self. She never spoke to me again. Then there was the large-breasted woman who was obsessed with international fishing rights. She never spoke to me again either; that was okay. I hear she's changed and is into charitable giving. I'm afraid to make further inquiries.

I lived every day in extremes of passion and pain. You can survive like that at that age, and the friction created by the switchbacks in the road, the tectonic plates of rebirth and self-destruction pushing against each other, fueled songs, stories, novels, plays, screenplays. I had had the technical abilities for a long time, but those days and nights made me a writer in the sense of having something to say and giving me the need to say it. When confronted with the incomprehensible, you can either run away or write it down. I wrote it down.

None of those experiences was directly applicable to baseball, but you are the sum of your history, and much about those days found its way into my baseball writing. I've never been as passionate about sports as many of my colleagues, but I was passionate about so many other things, including the way that we talked about a game, that elements of the mad years entered my sportswriting, animated it, and thereby did I find success.

Late in my twenties, I found a safe harbor from the upheavals of those years, sanctuary. I shouted "No more!" to a sparkling night sky, banished the insanity, and whitewashed the wall. I got myself a wife and a family and lived quietly.

***

Sanctuary seems like a good idea, but it's not, not if you want to stay vital creatively. Now, as throughout this series, I have to add a caveat: I'm not talking about baseball analysis. If all you want to do is blog reactions to transactions, the Yankees will be signing Matt Diaz at least once a year for the rest of your life, so you can paint by numbers for as long as you like. That's not what I'm on about. Rather, I am referring to the life-energy and experience that provides the fuel for originality.

In 1966, Stephen Sondheim made a television musical out of "Evening Primrose," a short horror story about a writer (played in the film by Tony Perkins) who drops out of society to live secretly in the Macy's flagship store in Manhattan. In the first song, he is elated by his decision:

He steps out of the kiosk and starts wandering through the deserted store, past the wine coolers, French telephones, dog collars, ceramic bookends and into the yawning cavern of the store.

Look at it:
Beautiful:
What a place to live,
What a place to write!
I shall be inspired.
I shall turn out elegies and sonnets,
Verses by the ton.
At last I have a home,
And nobody will know,
No one in the world,
Nobody will know I am here.
I am free.

It doesn't work that way, not when you're older. If you ever wonder why your favorite writer or songwriter (be he or she in a band or a solo performer) declines in quality as he gets older, it's because he or she is safe, has found sanctuary. When you're young, you live in the turbulent world I described above, not one identical to mine, of course, but yours. Brightly colored emotions flow into your work. Later, as the days grow quieter, or you do, your spirit calming, you have to find something to replace the demons and poets and orgies. Many never do. The quietude of sanctuary -- and sanctuary may be a synonym for age, but I don't think the change is as inevitable as that -- has cut them off from their muse.

Now, I am not saying that there is no such thing as pure invention, that all good writing is generated by autobiography. That's plainly not true, as I'll explain in a moment. However, for all but the most gifted at imagining, whether writers of fiction or non-fiction, there is something lost in the way of verisimilitude when the power provided by experience is replaced by craft. That is, a different kind of experience takes over; having written so many stories, songs, or even trade evaluations, you have come to understand the mechanics of creation, and therefore can do a passable imitation of inspiration even if the real thing is nowhere in the vicinity.

The difference between inspiration and craft can be seen in the gap between Paul McCartney in the Beatles and in his solo career, or Mark Twain in Tom Sawyer and Tom Sawyer Abroad, or, if you prefer baseball, between the early editions of the Bill James Baseball Abstract and the later ones, or between the Abstract and The Bill James Player Ratings Book. It's the difference between giving birth to something and assembling it from parts.

***

Since about mid-2011 I have been trying to shake loose from my sanctuary. It wasn't done for the sake of writing, it wasn't all done consciously, and I'm still unsure if I was motivated by the death instinct or the life instinct, if the point was to get one's head above the surface of the 40-year-old's day-to-day life and breathe uncompromised air or to just open one's mouth and inhale regardless of the water rushing in. Some of it may have been the product of the typical midlife crisis, and some the product of a failing constitution -- I have been battling cancer and other illnesses since I was 30, and the war to stay alive changes you in that you are so busy trying to save yourself that you might wake up one day and find that you're no longer worth saving, having given over so much of your time, energy, and initiative to pills and therapies and men in white coats that there is no part of you left. "We had to destroy the village in order to save it," a soldier supposedly said during the Vietnam War. That can apply to a person as well.

Over the last 18 months I have taken many risks, not all of them smart. Some of them paid off very nicely. I have a better job than I started out with and many new friends, some of whom quickly became part of my inner circle and I hope will be there forever. I have also lost a few people I would rather not have lost and learned some things about others I would rather not have known. I once wrote (borrowing from an ancient Greek aphorism) that the hand that has hurt you might be the one that heals. This year I have found that the reverse is also true. I have been injured quite badly at times, and, I am ashamed to admit, I have inflicted pain as well. Even if much of my share was unintentional (I would like to believe I am a good person), I have to take responsibility for it -- no one deserves to be a casualty of your personal earthquake.

In short, I have returned to the days of the tattered cloak, the sleeping on floors in the wrong cities, of sitting at strangers' tables with a notebook. You would think that the old formula would mean the old results: take one writer, add trauma, shake. Result: compelling, vibrant material. It turns out it doesn't work that way.

The reason for that, I think, is there is not enough time to rest with what you have lived through when you are an adult living in an adult world of jobs and a family. When you're 18 or 20 you have gaps in time, hours you're not going to class, not working. There is no anxious drum drum drum of the next thing being due, no boss at office door, the only deadline perhaps some distant term paper you'll do the night before. Emotion takes up residence in those spaces and ferments. Creativity lives in the silences. With too crowded a life and you lose something essential. Pain no longer bets prose; pain just begets pain.

This is something I should have realized more than a year ago. My first appearance at SB Nation came while I was still working for Baseball Prospectus, part of a home and away series Rob Neyer and I played; he did a guest piece there, I did one here. Here is how mine began (I would supply you with a link, but the piece seems to no longer exist in the archives):

I come to you today as a writer on the edge of a nervous breakdown. Well, over the edge of one, actually. I am deeply in the midst of a nervous breakdown, passing bent mile marker 50 out of 100, 1000, or 1,000,000 on the shivering highway. I am 40 years old, consumed with work I don't necessarily want to be doing, and obsessed with the idea that I should chuck it all and do the work that I want to do, except that I don't trust myself to do it even if I had the opportunity. Worse, I am torn by the inherently conflicting ideas that I am running out of time to do the things I am not talented enough to accomplish.

You can date my kicking at the walls of sanctuary from roughly that moment (the piece ran in late July 2011). I went on:

I think I had abilities to exploit at one point. I wrote one book, then stopped to manage book projects for others. That seemed like a good idea at the time, but seven years have gone by and I won't be getting that time back. I have been 12 years in the business of writing about baseball, and I have made a small name for myself, but I don't think it will be getting any bigger. I can't stop to think about it, because this blog needs another entry written, that one needs another entry edited. I am no longer my own master.*

The ending, then, is like "The Wizard of Oz." "Oh, Dorothy. You had the power to be a miserable asshole at home all along!" If the goal was to live dangerously (more accurate: stupidly) so I could write, I needn't have bothered. That wasn't the goal-as I explained earlier, there was no goal. It just happened. Yet, it would have been nice to have at least receive that much in return for the price paid.

*When the piece was published, one of my then-bosses was offended. "You just said you hate your job," he said. "No, no, no, no," I said. "I love my job. I hate myself."

As such, what I hope to impart to you is the same thing I knew 18 months ago but was incapable of truly absorbing: you won't be getting the time back. In chapter 9, verse 4 of the Book of John, a section of a bestseller of which you might have heard, it says, "I must work the works of him that sent me, while it is day: the night cometh when no man can work." The 19th century Scottish essayist Thomas Carlyle took that thought and spun it into a writer's creed. "Produce! Produce! Were it but the pittifullest infinitesimal fraction of a product, produce it, in God's name! ?T is the utmost thou has in thee; out with it, then. Up, up! Whatsoever they hand findeth to do, do it with thy whole might. Work while it is called Today; for the night cometh wherein no man can work." I have used this quote many times, have tried and failed to live by it. May it serve you better than it has served me.

Justified by his own philosophy, Carlyle then went on to produce 30 volumes of bad essays. Nevertheless, his point is still good. Many people like to claim that they are writers, or say that they would like to write, but they never put anything on paper. The only way to be a writer, to know you are a writer, is to write. The career of many a Mark Twain has died aborning because of a fatal disconnect of the imagination, pen, and work ethic-or simply fear. The day job is too good, the risk too great. Tomorrow, I will try it tomorrow. I promise you, your number of tomorrows is limited and dwindling by the day, hour, and minute.

There are many nights that descend in the course of a lifetime. One is named sanctuary and it is the death of something important, even if it may make you, in other areas of your life, happier overall. Some would call sanctuary maturation, or the taking on of responsibility, the end of your inner Peter Pan. In many cases they would be correct, but not for the writer. Cherish the dramatic days of your youth, cherish the fertile darkness that will soon be forever dispelled. And if the noise of life does come for you, if the waters of complacency threaten you with a fatal calm, grab your oar and paddle like hell for the next silence.

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Source: http://www.pinstripedbible.com/2012/12/28/3813448/the-pb-writer-search-contd-on-writing-paddles-and-silences

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'Do something!' Americans fed up with D.C. over 'cliff'

Americans from across the country express their frustration with lawmakers in Washington who have yet to reach an agreement on averting looming tax increases.

By Tracy Connor, NBC News

Tennessee Sen. Bob Corker said Friday that ?the American people should be disgusted? the nation?s leaders haven?t been able to avert the fiscal cliff.

Well, mission accomplished.

John Makely / NBC News

Abigail Holt, 17, (right), of Hartford, Conn., says Washington's inability to avert the fiscal cliff is "annoying."

Across the country, people are shaking their heads about negotiations that go nowhere and fingers that point everywhere while the nation hurtles toward the precipice of a new economic crisis.

?They should make a plan, make up their minds and do something!? Abigail Holt of Hartford, Conn., told NBC News.

She?s 17 years old and admits she?s just learning about the federal government and the fiscal cliff. But she knows this much: ?It?s annoying.?

And that's being polite.

Writing in the Daily Beast, Howard Kurtz called the nation's capital "the country?s biggest day-care center." The famous sex therapist Dr. Ruth Westheimer hit below the belt, noting on Twitter that "Members of Congress who can't compromise probably aren't good lovers."

Californian Pat Marshall said the politicians "appear to be very self-centered on making sure that they?re taken care of and the American public comes second."

After an hourlong meeting Friday with congressional leaders that he described as "constructive," President Obama acknowledged that people outside Washington were bewildered by D.C. "dysfunction" and that time -- and patience -- were running out.

Lawmakers have 'lost touch'
Indeed, with higher taxes and deep spending cuts looming without a deal, Americans? faith in Washington is dissipating by the day.

A Dec. 9 Gallup poll found that 59 percent thought it was likely the White House and Congress could hammer out a deal to avoid a slide down the cliff; by this week, that had sunk to 50 percent.

Skeptics were gaining ground, meanwhile: 48 percent think an agreement before the year-end deadline is unlikely, up 10 points from two weeks earlier.

John Makely / NBC News

Rich Dodds, 49, of Houston, Texas, says the elected officials in Washington have "lost touch" with Americans who will be affected by the fiscal cliff.

?It doesn?t feel like they?re doing much,? said Rich Dodds, 49, an energy product manager from Houston, Texas. ?I think they?ve lost touch with who the American people are. It?s a pretty elite group in Washington.?

The fact that both houses of Congress went into recess -- the Senate took a nearly week-long break, and the House is still on vacation until Sunday -- bothered some.

?This is one of the most important issues and they are not even working,? said Bill Prosser, 49, a telecommunications salesman from Clifton, Va. ?I?m very disappointed in them.?

Nicole Hayward, 28, of Brooklyn, N.Y., was so angered by the congressional recess that she posted a petition on Change.org demanding lawmakers get back to business.

?I turn on the news every day while I?m getting ready for work and I saw coverage about how Congress was going to break for the holidays and we might not have a resolution,? the marketing director said. ?I thought, who cares about their holiday vacation? It really got me going.?

Hayward got only 101 signatures on her petition. She attributed the lack of interest to cynicism.

?The reason why the average American doesn?t pay attention to this issue and the details is they think Congress will come together and pass something that just kicks the can down the road and things won?t change in [their] life,? she said.

John Makely / NBC News

Bill Prosser, 49, of Clifton, Va., says members of Congress should be locked in a room until they can make a deal.

Bipartisan blame
Inside the Beltway, Democrats are condemning Republicans and vice versa for the stalemate. But the nation?s voters are more bipartisan in their blame, with neither Republicans nor Democrats obtaining majority support.

?Essentially, right now, 25 percent of the public approves of the job the GOP congressional leaders are doing and 40 percent approves of the job the Democratic leaders are doing,? said Jocelyn Kiley, a senior researcher for the Pew Research Center for the People & the Press.

Prosser thinks there?s a time-tested way to bring the two sides together before Jan. 1 -- something akin to the old papal conclaves in which cardinals were locked in a room until they chose a new pontiff.

?Just say you?re not going to leave until you have a deal,? Prosser said.? ?Get in a room -- and get it done!?

Who do you blame for the nation teetering on the edge of the fiscal cliff?

?

Source: http://usnews.nbcnews.com/_news/2012/12/29/16216300-do-something-americans-fed-up-with-washington-as-fiscal-cliff-deadline-looms?lite

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Saturday, December 29, 2012

Norman Schwarzkopf, U.S. commander in Gulf War, dies at 78

WASHINGTON (Reuters) - Norman Schwarzkopf Jr., the hard-charging U.S. Army general whose forces smashed the Iraqi army in the 1991 Gulf War, has died at the age of 78, a U.S. official said on Thursday.

The highly decorated four-star general died at 2:22 p.m. EST (1922 GMT) at his home in Tampa, Florida, said the official, who spoke on condition of anonymity. The cause of death was not immediately known.

Schwarzkopf, a burly Vietnam War veteran known as Stormin' Norman, commanded more than 540,000 U.S. troops and 200,000 allied forces in a six-week war that routed Hussein's army from Kuwait in 1991, capping his 34-year military career.

Some experts hailed Schwarzkopf's plan to trick and outflank Hussein's forces with a sweeping armored movement as one of the great accomplishments in military history. The maneuver ended the ground war in only 100 hours.

Former U.S. President George H.W. Bush, who built the international coalition against Iraq, said he and his wife "mourn the loss of a true American patriot and one of the great military leaders of his generation," according to a statement released by Bush's spokesman.

Bush has been hospitalized in Houston since late November.

Defense Secretary Leon Panetta praised Schwarzkopf as "one of the great military giants of the 20th century." General Martin Dempsey, chairman of the Joint Chiefs of Staff, said he "embodied the warrior spirit," and called the victory over Hussein's forces the hallmark of his career.

PHYSICAL PRESENCE

Schwarzkopf was a familiar sight on international television during the war, clad in camouflage fatigues and a cap. He conducted fast-paced briefings and toured the lines with a purposeful stride and a physical presence of the sort that clears barrooms.

Little known before Iraqi forces invaded neighboring Kuwait, Schwarzkopf made a splash with quotable comments. At one briefing he addressed Saddam's military reputation.

"As far as Saddam Hussein being a great military strategist," he said, "he is neither a strategist, nor is he schooled in the operational arts, nor is he a tactician, nor is he a general, nor is he a soldier. Other than that, he's a great military man, I want you to know that."

Schwarzkopf returned from the war as a hero and there was talk of him running for public office. Instead he wrote an autobiography titled "It Doesn't Take a Hero" and served as a military analyst.

He also acted as a spokesman for the fight against prostate cancer, which he was diagnosed with in 1993.

Schwarzkopf was born August 22, 1934, in Trenton, New Jersey, the son of Colonel H. Norman Schwarzkopf Sr., the head of the New Jersey State Police. At the time, the older Schwarzkopf was leading the investigation of the kidnapping and murder of aviator Charles Lindbergh's infant son, one of the most infamous crimes of the 20th century.

The younger Schwarzkopf graduated from the U.S. Military Academy at West Point, New York, in 1956. He also earned a masters degree in guided-missile engineering from the University of Southern California and later taught engineering at West Point.

CHESTFUL OF MEDALS

Schwarzkopf saw combat twice - in Vietnam and Grenada - in a career that included command of units from platoon to theater size, training as a paratrooper and stints at Army staff colleges.

He led his men in firefights in two Vietnam tours and commanded all U.S. ground forces in the 1983 Grenada invasion. His chestful of medals included three Silver and three Bronze Stars for valor and two Purple Hearts for Vietnam wounds.

In Vietnam, he won a reputation as an officer who would put his life on the line to protect his troops. In one particularly deadly fight on the Batangan Peninsula, Schwarzkopf led his men through a minefield, in part by having the mines marked by shaving cream.

In 1988, Schwarzkopf was put in charge of the U.S. Central Command in Tampa, with responsibility for the Horn of Africa, the Middle East and South Asia. In that role, he prepared a plan to protect the Gulf's oil fields from a hypothetical invasion by Iraq. Within months, the plan was in use.

A soldier's soldier in an era of polished, politically conscious military technocrats, Schwarzkopf's mouth sometimes got him in trouble. In one interview, he said he had recommended to Bush that allied forces destroy Iraq's military instead of stopping the war after a clear victory.

Schwarzkopf later apologized after both Bush and Defense Secretary Dick Cheney fired back that there was no contradiction among military leaders to Bush's decision to leave some of Saddam's military intact.

After retirement, Schwarzkopf spoke his mind on military matters. In 2003, when the United States was on the verge of invading Iraq under President George W. Bush, Schwarzkopf said he was unsure if there was sufficient evidence that Iraq had nuclear weapons.

He also criticized Donald Rumsfeld, the secretary of defense at the time, telling the Washington Post that during war-time television appearances "he almost sometimes seems to be enjoying it."

(Reporting by David Alexander and Ian Simpson; Writing by Bill Trott; Editing by Stacey Joyce and Paul Simao)

Source: http://news.yahoo.com/famed-gulf-war-u-general-schwarzkopf-dies-former-012253521.html

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Groundbreaking air-cleaner saves polluting industrials

Groundbreaking air-cleaner saves polluting industrials [ Back to EurekAlert! ] Public release date: 28-Dec-2012
[ | E-mail | Share Share ]

Contact: Matthew Johnson
msj@kiku.dk
46-706-250-412
University of Copenhagen

Industries across Europe are threatened with shutdown as European Union emission rules for Volatile Organic Compounds are tightened. Now an air cleaning invention from the University of Copenhagen has proven its ability to remove these compounds. And in the process they have helped a business in Danish town Aarhus improve relations to angry neighbors.

Inventor, Copenhagen chemist Matthew Johnson, presented evidence for the air cleaning invention at the conference "First International Education Forum on Environment and Energy Science" held on Hawaii December 14 to 18.

In deepest secrecy the inventor Matthew Johnson from the Department of Chemistry at the University of Copenhagen has been collaborating with an investor, INFUSER, in mounting and testing a revolutionary air cleaning device at the industrial plant, "Jysk Miljoerens" in Danish town Aarhus. The reason for keeping the testing secret was that they wanted to be absolutely sure that they could in fact remove the pollution before going public. Now their measurements are concluded and the results are in. And the device actually works.

Natural way to remove air pollution

At the department of Chemistry atmospheric chemist Matthew Johnson invented and patented the air cleaning method which is based on the natural ability of the Earth atmosphere to clean itself. In a process triggered by sunlight, polluting gasses rising into the sky start forming particles when they come across naturally occurring compounds such as ozone. The newly formed particles are washed out of the atmosphere by rain. Once the rain hits the ground, the atmosphere is clean again. In other words the whole process is nature's own purifications works, explains Professor Johnson.

"I have investigated the self-cleaning mechanism of the atmosphere for years. Suddenly I realized, that the mechanism is so simple, that we could wrap it in a box and use it to clean indoor air. This makes for a better indoor climate, and in this particular case it also removes smells from this industrial process allowing the company to stay in business and making the neighbours happy," says Matthew Johnson.

Frutifull collaboration between business and research

For the INFUSER CEO Lars Nannerup the new air cleaning method was a heavensent. For some time he had wanted to establish a cleantech business delivering green and sustainable solutions to industry.

-For INFUSER, collaborating with the University of Copenhagen has been extremely fruitful. We have been operating in an electrifying field between fundamental research and commercial development. This is an area where pure theory and good ideas are tested outside the very competent walls of the university. And we have been extraordinarily successful. We are excited to be able to bring to market this revolutionary technology. We are proud that it is a Danish invention, and we're proud that this invention helps making the world a better and a cleaner place," says Nannerup.

Low energy consumption allows climate friendly air treatment

In scientific terms, Matthew Johnsons patented process is known as an atmospheric photochemical accelerator. The whole process is housed in five aluminium boxes on the roof of the Aarhus business. Compared to traditional methods the new process outshines by removing pollution rather than diluting it, as is the case when we send smoke up a chimney. The method requires no filters, so maintenance is inexpensive. It consumes very little energy, so its climate impact is negligible. Finally it removes the need for a chimney which would have been costly to erect. For all these reason INFUSER and the photochemical air-purification was the right choice for Jysk Miljoerens.

Photochemistry solved pressing problem for environmental business

The company Jysk Miljoerens makes a living separating oil from bilge water in ships, so that the oil may be recycled. For manager Bent Naldal all the parameters were important, but above all he is just happy that the new method has managed to remove the smells from his wastewater treatment plant. Because the smells were threatening to put him out of business.

"It's no big secret, that we've faced challenges in getting rid of the smells originating in our treatment plant. For this reason we were very happy when INFUSER got in touch, saying that they had a solution to our problem. Unlike other solutions that we've investigated to combat smells and air pollution we can now see, that INFUSER delivered. They've solved a pressing problem for Jysk Miloerens, and for the city of Aarhus," says CEO Naldal.

Perfect example of collaboration between industry and academia

For the University of Copenhagen it has been an especial pleasure to follow the collaboration between inventor and investor. The university unit for technology transfer has helped Johnson in the patenting process, in getting financing to conduct experiments and in drawing up the licensing agreement with INFUSER. Unit leader Anna Haldrup feels that the air cleaning technology is a perfect example of how universities can help industrial partners.

###



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Groundbreaking air-cleaner saves polluting industrials [ Back to EurekAlert! ] Public release date: 28-Dec-2012
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Contact: Matthew Johnson
msj@kiku.dk
46-706-250-412
University of Copenhagen

Industries across Europe are threatened with shutdown as European Union emission rules for Volatile Organic Compounds are tightened. Now an air cleaning invention from the University of Copenhagen has proven its ability to remove these compounds. And in the process they have helped a business in Danish town Aarhus improve relations to angry neighbors.

Inventor, Copenhagen chemist Matthew Johnson, presented evidence for the air cleaning invention at the conference "First International Education Forum on Environment and Energy Science" held on Hawaii December 14 to 18.

In deepest secrecy the inventor Matthew Johnson from the Department of Chemistry at the University of Copenhagen has been collaborating with an investor, INFUSER, in mounting and testing a revolutionary air cleaning device at the industrial plant, "Jysk Miljoerens" in Danish town Aarhus. The reason for keeping the testing secret was that they wanted to be absolutely sure that they could in fact remove the pollution before going public. Now their measurements are concluded and the results are in. And the device actually works.

Natural way to remove air pollution

At the department of Chemistry atmospheric chemist Matthew Johnson invented and patented the air cleaning method which is based on the natural ability of the Earth atmosphere to clean itself. In a process triggered by sunlight, polluting gasses rising into the sky start forming particles when they come across naturally occurring compounds such as ozone. The newly formed particles are washed out of the atmosphere by rain. Once the rain hits the ground, the atmosphere is clean again. In other words the whole process is nature's own purifications works, explains Professor Johnson.

"I have investigated the self-cleaning mechanism of the atmosphere for years. Suddenly I realized, that the mechanism is so simple, that we could wrap it in a box and use it to clean indoor air. This makes for a better indoor climate, and in this particular case it also removes smells from this industrial process allowing the company to stay in business and making the neighbours happy," says Matthew Johnson.

Frutifull collaboration between business and research

For the INFUSER CEO Lars Nannerup the new air cleaning method was a heavensent. For some time he had wanted to establish a cleantech business delivering green and sustainable solutions to industry.

-For INFUSER, collaborating with the University of Copenhagen has been extremely fruitful. We have been operating in an electrifying field between fundamental research and commercial development. This is an area where pure theory and good ideas are tested outside the very competent walls of the university. And we have been extraordinarily successful. We are excited to be able to bring to market this revolutionary technology. We are proud that it is a Danish invention, and we're proud that this invention helps making the world a better and a cleaner place," says Nannerup.

Low energy consumption allows climate friendly air treatment

In scientific terms, Matthew Johnsons patented process is known as an atmospheric photochemical accelerator. The whole process is housed in five aluminium boxes on the roof of the Aarhus business. Compared to traditional methods the new process outshines by removing pollution rather than diluting it, as is the case when we send smoke up a chimney. The method requires no filters, so maintenance is inexpensive. It consumes very little energy, so its climate impact is negligible. Finally it removes the need for a chimney which would have been costly to erect. For all these reason INFUSER and the photochemical air-purification was the right choice for Jysk Miljoerens.

Photochemistry solved pressing problem for environmental business

The company Jysk Miljoerens makes a living separating oil from bilge water in ships, so that the oil may be recycled. For manager Bent Naldal all the parameters were important, but above all he is just happy that the new method has managed to remove the smells from his wastewater treatment plant. Because the smells were threatening to put him out of business.

"It's no big secret, that we've faced challenges in getting rid of the smells originating in our treatment plant. For this reason we were very happy when INFUSER got in touch, saying that they had a solution to our problem. Unlike other solutions that we've investigated to combat smells and air pollution we can now see, that INFUSER delivered. They've solved a pressing problem for Jysk Miloerens, and for the city of Aarhus," says CEO Naldal.

Perfect example of collaboration between industry and academia

For the University of Copenhagen it has been an especial pleasure to follow the collaboration between inventor and investor. The university unit for technology transfer has helped Johnson in the patenting process, in getting financing to conduct experiments and in drawing up the licensing agreement with INFUSER. Unit leader Anna Haldrup feels that the air cleaning technology is a perfect example of how universities can help industrial partners.

###



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Source: http://www.eurekalert.org/pub_releases/2012-12/uoc-gas122112.php

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Calvin Ayre's Predictions For The Gambling World in 2013 - Online ...

Greetings again from sunny Antigua! Hope everyone enjoyed their holidays. Now that I?ve finished looking back at the year that was, it?s once again time for the annual predictions. Here?s how my crystal balls foresee 2013 shaking out?

calvin-ayre-barista-nevada-online-poker-license

Buy TWO coffees and you can be gaming commissioner!

THE AMERICAS
? The state in which Las Vegas resides will vainly keep faith with Harry Reid?s Nevada Brick & Mortar Casino Bottom Line Restoration Act of 2012/2013early into the new year, right up to the point in the first week of February when Gov. Chris Christie signs New Jersey?s online gambling legislation into law. That will prompt some Hitler-in-the-bunker meltdowns in Nevada casino boardrooms, but to save face and salvage some pride, the state will go ahead and launch its intrastate offering, just so it can claim to have been first. This launch will cause a temporary spike in the share prices of the casino companies and their (mostly) European technology partners. However, this spike will be brief and prices will soon sink below their previous levels once investors realize Nevada?s total population is less than some New York suburbs, leaving an almost 1:1 ratio of online poker operators to players. Seriously, short Bwin.party, Zynga and Caesars Entertainment stock now, then buy me a beer later as a ?thank you.?

? New Jersey?s new regulated market won?t actually take its first bet in 2013, but in the meantime, the state gaming board will approve PokerStars? purchase of the Atlantic Club and it will also approve Stars? online poker ? and online casino ? license. After which, Pansy Ho will justifiably sue the New Jersey Division of Gaming Enforcement for defamation.

? In California, Rod Wright?s reintroduced online poker bill will be dismissed by everybody except the horseracing operations (aka Betfair) in his home riding, but the tribes will eventually coalesce around a bill of their own. That said, they also won?t be ready to take bets in 2013.

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Hollywood execs were divided as to which posed the greater threat.

? The World Trade Organization will allow Antiguato impose intellectual property sanctions against the US, which will lead the powerful US entertainment lobby to bring pressure on the US government to (a) anchor an aircraft carrier group in English Harbour or (b) finally honor its WTO obligations. The latter option will earn the US some grudging respect from the international community, and it will also have ramifications for present and future improper applications of the US criminal justice system against online gambling companies with Antiguan licenses. Operators in other jurisdictions will be hit with another round of attacks this year.

? The judge presiding over the fight between New Jersey and the continent?s sports leagues will declare PASPA unconstitutional, but instead of allowing New Jersey to offer sports betting, the judge will go on to declare all sports betting illegal, even in Nevada. (Just kidding about that last part, but man, would William Hill be pissed.)

? Canada will eventually pass its single-game sports betting legislation, but the resulting revenue stream won?t be the windfall the provincial lottery corporations are expecting. Holding a monopoly on scratch-and-win tickets at the local convenience store is one thing; competing with the deposit bonuses and breadth of betting options available via international online sportsbooks is a beaver of a different color.

? Amaya Gaming will use the brief euphoria surrounding online poker going live in Nevada to offload its new Ongame Network at a tidy profit, which Amaya will then apply to help pay off its patch work quilt of an acquisition spree of the past couple years.

? At least one major casino company will follow Penn National?s lead by spinning off assets into a real estate investment trust (REIT). Likely lads include Pinnacle Entertainment, which could use some quick cash following its $2.8b acquisition of Ameristar Casinos, or Las Vegas Sands, which is sitting on some prime hotel and retail holdings in Asia.

bwin-party-norbert-teufelberger-preet-bharara

Norbert makes it rain, shareholders feel the pain.

EUROPE
? Early in 2013, before its online poker service provider license comes up for discussion in Nevada, Bwin.party will make a multi-million dollar payout to the US Department of Justice in order for the Bwin half of the company to buy the same kind of immunity PartyGaming received via its $105m make-good payment in 2009 (which former CEO Jim Ryan referred to at the time as its ?ticket back into the US?). Bwin?s ?make-good? payment will be smaller, reflecting its comparatively smaller dealings with US customers pre-UIGEA, but with margins tight in Bwin.party?s primary European markets ? and about to get tighter in the UK under its new licensing regime ? it will be money Bwin.party can?t afford to throw away. There might not even be enough left to afford the bodyguards Norbert Teufelberger plans to bring to Bwin.party?s annual general meeting.

? Playtech will disengage from its kiosk business in Malaysia and similar ventures after shareholders and market regulators grow more curious about ? and less comfortable with ? Playtech?s dealings in Asian black/grey markets. The ?we?re not breaking the law, we?re just helping others to break the law? defense won?t cut the mustard for long on Playtech?s new LSE home.

? European public companies will be vulnerable to another crisis of confidence in the Euro currency. Germany almost singlehandedly brought the Euro back from the brink during the last crisis, but the Bundesbank is now slashing growth projections for the German economy, suggesting Der Deutschen could be entering a full-blown recession in 2013. If another bankrupt country comes looking for a bailout, it may find the German tit is bone dry. Without the ability to kick that debt can down the road a little further, the Euro crisis of 2008 could look like a walk in the park; the entire European economy could contract and gambling spending would plunge.

calvin-ayre-auctioneer? As a result, I expect at least one European publicly traded company will take itself private in order to make a concerted effort in penetrating the Asian market to help wean itself off this dependency on Europe?s regulation-heavy, profit-thin markets.

? I also expect the depressed share prices of these companies may lead one of the cash-rich Asian operators to contemplate acquiring a European foothold on the cheap, with operators like 888, 32Red, mobile specialists Probability, software outfit Openbet and even the (not so) mighty Ladbrokes being likely acquisition targets.

? Similarly, while PokerStars takes the lead in America on the online/land-based convergence front, at least one major Asian online gambling operator will ink a live-dealer technology deal with a European brick-and-mortar casino, probably in London. They?ll beam the feed from the floor of the casino to sportsbooks around the globe, and make a pretty penny in the process.

ASIA
? I could make the same prediction year-in/year-out regarding Asia. It represents the gambling world?s future, but increasingly its present, as well. You either target Asia or you target irrelevancy. It?s the last great gold rush this industry will see in our life times.

? Japan will finally legalize casinos, Vietnam will legalize sports betting, and Australia will regulate online poker. I expect Genting to acquire a controlling interest in the Star Casino, outmaneuvering James Packer?s bid to dominate the Sydney casino market. I also believe the region will host the year?s biggest high-roller poker tournament.

? Bodog will announce that it is once again entering the Bodog Conference game ? including the resurrection of full-on annual Bodog Parties, but this time in Asia (okay, I know this for a fact). The Las Vegas Bodog conferences and accompanying parties are still legend, and European public companies will ban their employees from attending on account of not being sure they will come home after getting ?Asian fever.?

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The Minnow?s fearless crew wondered how Mr. Howell managed to escape any and all blame for the shipwreck.

POKER
? Asia is the only place this sector will expand in 2013, but even here, growth will be slow. With opportunities for growth at a premium, more networks will seek to protect and nurture their net-depositing players by adopting an approach that mimics the fish-friendly Bodog recreational model.

? With the minor Chinese poker boom now creating more players per year than America creates lawyers, I believe an Asian poker player will hoist the World Series of Poker main event bracelet. Also, Howard Lederer will play at this year?s WSOP main event, but he will be subjected to constant heckling and (at least the threat of) the occasional physical attack, leaving him sufficiently rattled to bust out on Day 1, after which he?ll slink back to his non-forfeited Vegas hideaway to lick his wounds and lament his devolution from The Professor to Gilligan. (Which would make Ray Bitar the Skipper, and Phil Ivey? er? Thurston Howell III?)

SOCIAL GAMING/CASINO CONVERSION
? This may be the single biggest factor driving innovation in the gambling industry, in that it is changing our definition of what is gambling. While gambling made the transition from casino floor to website close to two decades ago, the games remain the same ones gamblers have enjoyed for a century or more. But social gaming companies are looking to further monetize their product, and while most of them are making their initial moves into real-money play via social casino games, there are a lot more non-casino titles in their portfolio. We?ve already seen head-to-head video games go the poker route by offering peer-to-peer betting. Social games can pit groups of friends against other groups of players for more than just nerdy bragging rights, but the fact that real-money will be on the line will hopefully discourage the Leroy Jenkins of your group from going rogue.

SPORTS BETTING
? Sports betting is going to show continued slow improvements in video streaming and in game wagering, a much more rapid shift to mobile than ever and an ever expanding range of things to bet on. However, this year is not expected to have any big changes. Again, most growth in Asia. There is going to be some integration of sports and social also this year.

calvin ayre spock bones mobile wagering

Using a desktop computer to wager on Rooney scoring is illogical.

TECHNOLOGY
? It has only been five years since the iPhonemade its debut, but smartphone and tablet sales have already outstripped sales of PCs, and comScore data says more Google maps searches are now coming from mobile devices than PCs. In a few more years, 80% of online gambling play will be via mobile, with the remaining 20% consisting of power users (multi-table poker grinders), bettors with poor eyesight and Luddites. Sports betting products will lead the mobile charge, but casino and poker will soon catch up.

? As last fall?s Playtech v. William Hill tussle in Tel Aviv demonstrated, any online gambling company that doesn?t own its own technology is vulnerable to upheavals and/or outright blackmail at the worst possible moments. Companies can either choose to make the long-term investment to become their own master, or they can opt to save a few bucks and run the risk of becoming someone else?s bitch. That said, tech providers with battle-tested Asian-facing product are going to make a killing off the Johnny-come-lately operators desperate to tap into this market.

? Though many have heard the name ?middleware,? few know what it really is. But this is the year that online gaming middleware will burst onto the scene in our industry and everyone will be looking for the right supplier. In a nutshell, middleware gives operators freedom from any one technology supplier ? a nice bonus given the state of the technology provider companies in the industry today. You just plug in all the games from any supplier on standard APIs to one dedicated back end that controls the money. This lowers the cost of operations, lowers cost and time of integration of new games from any supplier and makes it a lot easier to train entry-level customer service staff. There are some great options out there, but beware the snake oil salesmen type that are telling you their middleware does it all. In an attempt to control this space, Playtech has been trying to buy up the major developers, which, as always, creates opportunity for other developers.

? Watch for the evolution of live video streaming gambling out of casino games. We know there will be some super sexy dancing keno girls operating this year. This will cause lurking management issues given how cute this product is and the cost of the bandwidth. We expect this to trend to continue to pick up speed.

ANONYMOUS PAYMENTS (BITCOIN)
? I?ve been making this prediction for a few years now, but anonymous payments will continue to make inroads into the public consciousness as people become increasingly enamored with the concept of deciding for themselves how to spend their hard-earned discretionary income. This concept ? if it cannot be controlled by governments ? will have far reaching implications outside the industry we all love. I personally think it?s already out of the bottle. In general, fortune will favor those companies that focus on excellence and controlling their own direct relationships with banks. In this business, processors are (unfortunately) notoriously slimy, so if you can cut them out, so much the better for you.

THE ?IT?S NOT ROCKET SCIENCE? FORMULA FOR ONLINE GAMBLING SUCCESS IN 2013
Keep your company away from public markets, move your head office to Manila, geographically focus your business on Asian markets, keep your platform emphasis on mobile, control your own technology and invest like hell in R&D. In the Darwinian world of online gambling, inventors and innovators will drink everyone?s milkshake.

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Views and opinions expressed are those of the Author and do not necessarily reflect those of CalvinAyre.com

Source: http://calvinayre.com/2012/12/28/business/calvin-ayre-predictions-for-gambling-world-in-2013/

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Friday, December 28, 2012

A path to a fresh start

A Christian Science perspective.

By Caryl Emra Farkas / December 28, 2012

Earlier this month, advertisements encouraged us to buy and celebrate, and now they tout products and services to help us hit the ground running and get back to business; take care of our diet, our bodies, our future. Christmas is a time for warmth and family, sharing and giving. But now, as the radio announcer said at the end of the King?s College Chapel Festival of Carols, ?It?s time to step back into the real world.?

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The impulse to jump back into life and get on track to realize our fondest goals is a good one. But my first thought on hearing that announcer?s words was that I did not want to be in a great hurry to leave the Christmas sense of light and love expressed by the choir. I want to move forward, but I want to keep the heart of Christmas with me.

It?s fitting that after Christmas we should notice what things in our lives are not in sync with our higher sense of good, and we should want to start fresh and get it right. But the kind of change that we yearn for demands more than a change in diet or merely making resolutions for self-improvement.

The well-meaning resolutions that typically fizzle out by the end of January (and I?ve made my share!) don?t fail because they are impractical or beyond our abilities. My sense of it is that they get left behind because often our attempts at improvement put the cart before the horse; they begin with willpower that caves in when the going gets tough, or with secondhand motivation that can?t consistently impel us in a genuine, heartfelt way.

Yet wanting things to get better, wanting to better ourselves, is one of the best of human impulses. We just need to start from the right basis.

According to the Gospels of Matthew and Luke in the Bible, a man who wanted the secret to everlasting good approached Jesus with his question and got an unexpected answer. ?The Message? interprets Jesus? response in this way: ?Why do you question me about what?s good? God is the One who is good. If you want to enter the life of God, just do what he tells you? (Matthew 19:17).

The instructions make me ask, ?Just what is it that God is telling us?? And the answer is not obscure or hard to find. God?s kingdom is, as Jesus also said, ?within.? God?s law is written in our hearts. Pausing to consider the spiritual qualities we actually value most, we find that good isn?t something we create, but a divine reality that we can respond to.

There have been a number of reports recently on studies of the power of gratitude and generosity on human relationships and on health. On the one hand, it?s hardly a news flash that those who are consistently conscious of good and are grateful for it are more content and less stressed. Or that generosity is a good thing. ?Do unto others as you would have them do unto you? is a teaching that has been around for a long time. But having our intuitions about good quantified by data does remind us that these things are not true because someone preaches that they are, or because we would like them to be so in an ideal world: They are true because they are provable and repeatable.

Christian Science teaches the consistent presence of divine good, God, and the supremacy and omnipotence of spiritual truth. After her discovery of the Science of Jesus? teachings, Mary Baker Eddy wrote: ?If thought is startled at the strong claim of Science for the supremacy of God, or Truth, and doubts the supremacy of good, ought we not, contrariwise, to be astounded at the vigorous claims of evil and doubt them, and no longer think it natural to love sin and unnatural to forsake it, ? no longer imagine evil to be ever-present and good absent?? (?Science and Health with Key to the Scriptures,? p. 130).

Living from inspiration, living with freshness, living with the awareness that Love is what is most real, is more than a desirable ideal; it is what is natural for us. Goodness is the true north of the human compass because goodness really is written in our hearts. The next step is to live it.

Source: http://rss.csmonitor.com/~r/feeds/csm/~3/M_uNsYawzf8/A-path-to-a-fresh-start

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Lose Stomach Fat By The Power Of Mind Techniques Of ... - Self Help


FasterEFT is the new EFT!images1 - Self improvement.

?

You can use the modern principles and techniques of Emotional Freedom Techniques (EFT) and Hypnotherapy to help you change and lose your stomach fat. Both these techniques have been used for some years to treat a number of ailments and issues. According to a leading practitioner, EFT and Hypnotherapy work very well together. EFT starts dealing with the issue very quickly and hypnotherapy takes it deeper.

Mind Over Matter

\?Mind over matter\? is an old saying, and it works. Most of us know we can change our mood or our attitude just by deciding to. We can condition our mind to be positive or negative. We can decide if we will look on the bright side of life or allow ourselves to get down in the dumps and feel sorry for ourselves. In fact, we can experience negative feelings many times but we can shake them off and pull ourselves out of the negativity. If we keep doing it often enough, it becomes a habit so that having a positive mental attitude is part of us. So, we know we can control our mind and our emotions.

Mind Control

Many people have used the principles of both EFT and Hypnotherapy to lose weight. They have used the power of their mind to take control of their lives. While these techniques were originally used to treat emotional issues and phobias ? poor relationships fear of failure fear of the dark claustrophobia fear of spiders ? they are now used more and more to deal with a number of other issues such as weight loss.In fact, you can learn and apply the techniques to deal with your own issues.

Power To Change Your Habits

The problem for most of us is we are conditioning our mind all the time automatically. We have several thousand thoughts every day and many of them reinforce the negative aspects of our lives: \?I don?t have time\? \?I eat too much\? \?I am too fat\? \?I am no good at? \? and so on. We can change this.

The basic principles to do this have been practiced by many people for a long time. Modern techniques have taken these principles further and have refined them so they are more effective. Now you can make changes in your life much faster and more effectively than in the past.

When you hear so many people claim their idea or product is ?life changing? it can make you sceptical because the phrase has become cliched. But people do change their lives and they are doing it all the time. They are losing weight, losing their stomach fat, becoming fitter and remaking themselves in many ways.

You can develop your power of mind by using the modern principles and techniques of Faster EFT and Hypnotherapy to help you change. These are effective tools to help you get what you want. Why not use them?

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FasterEFT is the new EFT!

Source: http://www.mypowerlines.com/lose-stomach-fat-by-using-the-power-of-mind-techniques-of-eft-and-hypnotherapy/?utm_source=rss&utm_medium=rss&utm_campaign=lose-stomach-fat-by-using-the-power-of-mind-techniques-of-eft-and-hypnotherapy

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Bumper Pack Of Goal Setting/ Self Improvement Plr ? Video ...

Bumper Pack Of Goal Setting/ Self Improvement Plr
ll4.me Bumper Pack Of Goal Setting/ Self Improvement Plr Bumper Pack of Goal Setting Information- 2 PLR eBooks and PLR articles! All you need to start marketing to the profitable personal development/ self improvement niche. Book 1- Your Guide to Successfully Setting Goals- 60 page eBook Contents include; How to choose the right goals to focus on Key points to goal setting How things can go wrong Setting health/ fitness goals Setting relationship goals Getting motivated to achieve your goals- and much more Comes complete with sales page, cover image and product source files in Word and PDF format. Rights; You are free to resell this ebook and change it as you see fit. The only restrictions are that you may not give it away. Book 2- Goal Realization- 156 page eBook Contents include; Dating and goal realization Achieving in life Self help guide in goals Fighting to win Motivation leading to goal realization- and much more Comes complete with sales letter, all images and source files in Word and PDF format. Also includes list of keywords and a set of PLR articles (approximately 50) Rights; YES Sell Private Label Rights YES Claim Full Copyright YES Sell Master Resale Rights YES Edit/Alter the Sales Materials YES Added to Paid Membership Sites NO Added to Free Membership Sites YES Can be Broken Down Into Articles YES Can be Packaged with Other Products YES Sell at Auction Sites (priced at $9.99 and up) NO Offered Through Dime Sale Events YES Offered as Free Bonus NO Given Away ?From:ClintonPaigeViews:0 0ratingsTime:00:15More inPeople Blogs

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Thursday, December 27, 2012

AP IMPACT: Ordinary folks losing faith in stocks

In this Sept. 12, 2012, photo, Andrew Neitlich poses in front of one his investment homes in Venice, Fla. Neitlich once worked as a financial analyst picking stocks for a mutual fund. During the dot-com crash 12 years ago, Neitlich didn't sell his stocks, but like many others he is selling now. An analysis by The Associated Press finds that individual investors have pulled at least $380 billion from U.S. stock funds since they started selling in April 2007. (AP Photo/Chris O'Meara)

In this Sept. 12, 2012, photo, Andrew Neitlich poses in front of one his investment homes in Venice, Fla. Neitlich once worked as a financial analyst picking stocks for a mutual fund. During the dot-com crash 12 years ago, Neitlich didn't sell his stocks, but like many others he is selling now. An analysis by The Associated Press finds that individual investors have pulled at least $380 billion from U.S. stock funds since they started selling in April 2007. (AP Photo/Chris O'Meara)

In this Sept. 12, 2012, photo, Andrew Neitlich poses in front of one his investment homes in Venice, Fla. Neitlich once worked as a financial analyst picking stocks for a mutual fund. During the dot-com crash 12 years ago, Neitlich didn't sell his stocks, but like many others he is selling now. An analysis by The Associated Press finds that individual investors have pulled at least $380 billion from U.S. stock funds since they started selling in April 2007. (AP Photo/Chris O'Meara)

(AP) ? Andrew Neitlich is the last person you'd expect to be rattled by the stock market.

He once worked as a financial analyst picking stocks for a mutual fund. He has huddled with dozens of CEOs in his current career as an executive coach. During the dot-com crash 12 years ago, he kept his wits and did not sell.

But he's selling now.

"You have to trust your government. You have to trust other governments. You have to trust Wall Street," says Neitlich, 47. "And I don't trust any of these."

Defying decades of investment history, ordinary Americans are selling stocks for a fifth year in a row. The selling has not let up despite unprecedented measures by the Federal Reserve to persuade people to buy and the come-hither allure of a levitating market. Stock prices have doubled from March 2009, their low point in the Great Recession.

It's the first time ordinary folks have sold during a sustained bull market since relevant records were first kept during World War II, an examination by The Associated Press has found. The AP analyzed money flowing into and out of stock funds of all kinds, including relatively new exchange-traded funds, which investors like because of their low fees.

"People don't trust the market anymore," says financial historian Charles Geisst of Manhattan College. He says a "crisis of confidence" similar to one after the Crash of 1929 will keep people away from stocks for a generation or more.

The implications for the economy and living standards are unclear but potentially big. If the pullback continues, some experts say, it could lead to lower spending by companies, slower U.S. economic growth and perhaps lower gains for those who remain in the market.

Since they started selling in April 2007, eight months before the start of the Great Recession, individual investors have pulled at least $380 billion from U.S. stock funds, a category that includes both mutual funds and exchange-traded funds, according to estimates by the AP. That is the equivalent of all the money they put into the market in the previous five years.

Selling during both a downturn and a recovery is unusual because Americans almost always buy more than they sell during both.

Since World War II, nine recessions besides the Great Recession have been followed by recoveries lasting at least three years. According to data from the Investment Company Institute, a trade group representing investment funds, individual investors sold during and after only one of those previous downturns ? the one from November 1973 through March 1975. And back then a scary stock drop around the start of the recovery's third year, 1977, gave people ample reason to get out of the market.

The unusual pullback this time has spread to other big investors? public and private pension funds, investment brokerages and state and local governments. These groups have sold a total of $861 billion more than they have bought since April 2007, according to the Federal Reserve.

Even foreigners, big purchasers in recent years, are selling now ? $16 billion in the 12 months through September.

As these groups have sold, much of the stock buying has fallen to companies. They've bought $656 billion more than they have sold since April 2007. Companies are mostly buying their own stock.

On Wall Street, the investor revolt has largely been dismissed as temporary. But doubts are creeping in.

A Citigroup research report sent to customers concludes that the "cult of equities" that fueled buying in the past has little chance of coming back soon. Investor blogs speculate about the "death of equities," a line from a famous BusinessWeek cover story in 1979, another time many people had seemingly given up on stocks. Financial analysts lament how the retreat by Main Street has left daily stock trading at low levels.

The investor retreat may have already hurt the fragile economic recovery.

The number of shares traded each day has fallen 40 percent from before the recession to a 12-year low, according to the New York Stock Exchange. That's cut into earnings of investment banks and online brokers, which earn fees helping others trade stocks. Initial public offerings, another source of Wall Street profits, are happening at one-third the rate before the recession.

And old assumptions about stocks are being tested. One investing gospel is that because stocks generally rise in price, companies don't need to raise their quarterly cash dividends much to attract buyers. But companies are increasing them lately.

Dividends in the S&P 500 rose 11 percent in the 12 months through September, and the number of companies choosing to raise them is the highest in at least 20 years, according to FactSet, a financial data provider. Stocks now throw off more cash in dividends than U.S. government bonds do in interest.

Many on Wall Street think this is an unnatural state that cannot last. After all, people tend to buy stocks because they expect them to rise in price, not because of the dividend. But for much of the history of U.S. stock trading, stocks were considered too risky to be regarded as little more than vehicles for generating dividends. In every year from 1871 through 1958, stocks yielded more in dividends than U.S. bonds did in interest, according to data from Yale economist Robert Shiller ? exactly what is happening now.

So maybe that's normal, and the past five decades were the aberration.

People who think the market will snap back to normal are underestimating how much the Great Recession scared investors, says Ulrike Malmendier, an economist who has studied the effect of the Great Depression on attitudes toward stocks.

She says people are ignoring something called the "experience effect," or the tendency to place great weight on what you most recently went through in deciding how much financial risk to take, even if it runs counter to logic. Extrapolating from her research on "Depression Babies," the title of a 2010 paper she co-wrote, she says many young investors won't fully embrace stocks again for another two decades.

"The Great Recession will have a lasting impact beyond what a standard economic model would predict," says Malmendier, who teaches at the University of California, Berkeley.

She could be wrong, of course. But it's a measure of the psychological blow from the Great Recession that, more than three years since it ended, big institutions, not just amateur investors, are still trimming stocks.

Public pension funds have cut stocks from 71 percent of their holdings before the recession to 66 percent last year, breaking at least 40 years of generally rising stock allocations, according to "State and Local Pensions: What Now?," a book by economist Alicia Munnell. They're shifting money into bonds.

Private pension funds, like those run by big companies, have cut stocks more: from 70 percent of holdings to just under 50 percent, back to the 1995 level.

"People aren't looking to swing for the fences anymore," says Gary Goldstein, an executive recruiter on Wall Street, referring to the bankers and traders he helps get jobs. "They're getting less greedy."

The lack of greed is remarkable given how much official U.S. policy is designed to stoke it.

When Federal Reserve Chairman Ben Bernanke launched the first of three bond-buying programs four years ago, he said one aim was to drive Treasury yields so low that frustrated investors would feel they had no choice but to take a risk on stocks. Their buying would push stock prices up, and everyone would be wealthier and spend more. That would help revive the economy.

Sure enough, yields on Treasurys and many other bonds have recently hit record lows, in many cases below the inflation rate. And stock prices have risen. Yet Americans are pulling out of stocks, so deep is their mistrust of them, and perhaps of the Fed itself.

"Fed policy is trying to suck people into risky assets when they shouldn't be there," says Michael Harrington, 58, a former investment fund manager who says he is largely out of stocks. "When this policy fails, as it will, baby boomers will pay the cost in their 401(k)s."

Ordinary Americans are souring on stocks even though stock prices appear attractive relative to earnings. But history shows they can get more attractive yet.

Stocks in the S&P 500 are trading at 14 times what companies earned per share in the past 12 months. Since 1990, they rarely traded below that level ? that is, cheaper, according to S&P Dow Jones Indices. But that period is unusual. Looking back seven decades to the start of World War II, there were long stretches during which stocks traded below that.

To estimate how much investors have sold so far, the AP considered both money flowing out of mutual funds, which are nearly all held by individual investors, and money flowing into low-fee exchange-traded funds, or ETFs, which bundle securities together to mimic the performance of a market index. ETFs have attracted money from hedge funds and other institutional investors as well as from individuals.

At the request of the AP, Strategic Insight, a consulting firm, used data from investment firms overseeing ETFs to estimate how much individuals have invested in them. Based on its calculations, individuals accounted for 40 percent to 50 percent of money going to U.S. stock ETFs in recent years.

If you assume 50 percent, individual investors have put $194 billion into U.S. stock ETFs since April 2007. But they've also pulled out much more from mutual funds ? $580 billion. The difference is $386 billion, the amount individuals have pulled out of stock funds in all.

If you include the sale of stocks by individuals from brokerage accounts, which is not included in the fund data, the outflow could be double. Data from the Federal Reserve, which includes selling from brokerage accounts, suggests individual investors have sold $700 billion or more in the past 5? years. But the Fed figure may overstate the amount sold because it doesn't fully count certain stock transactions.

The good news is that a chastened stock market doesn't necessarily mean a flat stock market.

Bill Gross, the co-head of bond investment firm Pimco, has probably done more than anyone to popularize the notion that stocks will prove disappointing in the coming years. But he says what is dying is not stocks, but the "cult" of stocks. In a recent letter to investors, he suggested stocks might return 4 percent or so each year, about half the long-term level but still ahead of inflation.

And if America's obsession with stocks is over, some excesses associated with it might fade, too.

Maybe more graduates from top colleges will look to other industries besides Wall Street for careers. Of every 100 members of the Harvard undergraduate Class of 2008 who got jobs after graduation, 28 went into financial services, such as helping run mutual funds or hedge funds, according to a March study by two professors at the university's business school. The average for classes four decades ago was six out of 100.

Of course, those counting the small investor out could be wrong.

Three years after that BusinessWeek story on the "death of equities" ran, in 1982, one of the greatest multi-year stock climbs in history began as the little guys shed their fear and started buying. And so they will surely do again, the bulls argue, and stock prices will really rocket.

Neitlich, the executive coach, has his doubts.

Instead of using extra cash to buy stocks, he is buying houses near his home in Sarasota, Fla., and renting them. He says he prefers real estate because it's local and is something he can "control." He says stocks make up 12 percent his $800,000 investment portfolio, down from nearly 100 percent a few years ago.

After the dot-com crash, it seemed as if "things would turn around. Now, I don't know," Neitlich says. "The risks are bigger than before."

___

Follow Bernard Condon on Twitter at http://twitter.com/BernardFCondon.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/f70471f764144b2fab526d39972d37b3/Article_2012-12-27-Investor%20Revolt/id-69a085f0690f4e07a1bf71ea63a51fe8

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