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Thursday, September 27, 2012
Security Bug Can Wipe Out Your Android Phone By Visiting a Web Page (Update 3) [Security]
Wednesday, September 26, 2012
Is Commercial Real Estate A Good Investment? | Eric Chua : Life ...
A compilation of tips, on how you can buy or sell commercial real estate, can help a beginner get into the market. This article is filled with useful tips designed for beginners who need to learn the basics of real estate transactions.
Before you begin your commercial real estate search, develop a clear understanding of the needs of your business. Know just what type of office space that you are going to use. If you think your business will get bigger, consider purchasing more space than is currently required; doing this may save you money down the road.
Consider the good tax benefits if you are thinking about purchasing commercial properties for investment purposes. In addition to depreciation benefits, many investors enjoy tax deductions for interest expenses. But, an investor may also be liable for taxes on other income; income realized on paper, but not actually received in the form of cash. Take this possibility into account when drawing up an investing plan.
TIP! Before buying a piece of commercial property, decide what you intend to do with the property once you buy it. Do you plan on having your own business on the property or do you plan on leasing it? As you prepare to seek out a new commercial property, you should first set very specific goals and requirements.
Keep in mind the larger the better when thinking of a permanent location for a business. Since you do not want to have to purchase a different property anytime soon, it is important to invest in something that allows your business space to get bigger.
Commercial Loan
If you are taking out a commercial loan, you must pay for the appraisal yourself. The bank won?t let you make use of it later. Therefore, to protect yourself and keep your commercial loan on track, order the appraisal yourself.
TIP! Once you have signed a new lease for a property, your next priority should be your rent strategy. The effectiveness of your strategy will have a significant impact on the success of your new investment.
Buying commercial real estate is much more complicated and time-consuming than buying a home. You need to understand, you have to be diligent in order to get a profit.
Creating your own real estate blog can help to establish you as an expert in the field. This can help you find people to buy what you have for sale or even those who will lease space.
Establish what you need before searching in commercial real estate. Identify which features in a commercial property are high value to you, and make a list. This can include the number of floors, units, square feet, the building layout, and anything else that is important to you.
TIP! Each property has a certain lifetime. Ignorance may be bliss at first, but avoiding this fact could mean you lose a lot of money toward property upkeep, wiping out any savings you might have gotten from the initial purchase.
If you are hunting among multiple properties, make a checklist for touring sites. Get the responses from the first round of proposals, but make sure the property owners are aware of this before proceeding. Do not be shy about mentioning that you?re also looking at other properties that day. It could even get you a good deal.
Talk to a tax expert before you buy any property. You adviser can help you calculate the overall cost you will incur in making the purchase, and what portion of the income deriving from the property will be taxable. By adopting the adviser?s counsel and expanding your search, you can find an area for expansion and building that will not endanger your current tax liability.
Smaller Issues
TIP! If you are new to commercial real estate investing, you should learn how to manage one investment type at a time. Zero in on your favorite type of property and focus solely on that type, for now.
A letter of intent should be simple to begin with, covering only the larger issues. Once an agreement on those terms are made, you can begin addressing the smaller issues. This will make negotiations less tense and make gaining agreement on the smaller issues easier to complete.
Find out how the firm that you are thinking of working with measure results. Learn how they determine how much space is needed, the property selection criteria, the negotiation methods, and other details that can affect you. Understanding where they stand in regards to these things before you sign with this company will be a wise decision.
Commercial Loans
TIP! Try borrowing some of the tenets of feng shui for use with your properties. Two primary fundamentals of feng shui are the concepts of open spaces and de-cluttering, and these are both attractive to certain buyers.
There are substantial differences between residential and commercial loans, one being that commercial loans require a larger down payment relative to the property?s value. Look for lenders who have the best rates and keep your personal credit and your business line of credit in good standing for the best chances of qualifying for a loan. Also, make sure to keep your ear open for the best investments.
The above collection of tips should have given you enough information to feel confident about commercial real estate transactions. These tips were put together in the hopes of increasing skill and knowledge, and improving your ability to either buy or sell in the commercial real estate
Source: http://www.maynaseric.com/is-commercial-real-estate-a-good-investment-4
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Obama: Disputed game means NFL needs regular refs
President Barack Obama answers a question as he returns to the the White House in Washington, Tuesday, Sept. 25, 2012. (AP Photo/Susan Walsh)
President Barack Obama answers a question as he returns to the the White House in Washington, Tuesday, Sept. 25, 2012. (AP Photo/Susan Walsh)
WASHINGTON (AP) ? The embarrassing NFL referee saga and the disputed call that gave the Seattle Seahawks a victory over the Green Bay Packers on Monday night has reached the campaign for the White House, with President Barack Obama deeming it "terrible" and declaring it was time to get regular officiating crews back on the job.
"I've been saying for months we've got to get our refs back," Obama said as he returned to the White House from an appearance before the United Nations. In a tweet that went out under over his initials, Obama said: "NFL fans on both sides of the aisle hope the refs' lockout is settled soon."
In a rare moment of agreement with Obama, GOP running mate Paul Ryan, a Wisconsin native, also said it was time to bring back the "real refs." But he used the episode on the football field to argue a partisan case for kicking the president out of office.
"It reminds me of President Obama and the economy," Ryan said in Cincinnati. "If you can't get it right, it's time to get out. I half think that these refs work part-time for the Obama administration in the budget office. ... They're trying to pick the winners and losers, and they don't even do that very well."
Seattle won 14-12 over Green Bay after referees ruled a Seattle receiver caught the ball amid a pile of bodies in the end zone on the game's last play. The NFL conceded that a Seattle penalty in the course of the play went uncalled and cost the Packers the victory, but the league upheld the catch itself and the Seahawks' victory. Legions of football fans watched the play and the referees' call in disbelief, and buzzed about it all day Tuesday.
Typically, Obama, a diehard Chicago Bears enthusiast, is not one to wish the rival Green Bay Packers well.
But besides being an avid sports fan, Obama recently has redoubled efforts to win in the Packer's home state of Wisconsin. His campaign recently started airing ads in the state and Obama held a rally Saturday in Milwaukee, his first visit to the state since February.
The NFL locked out the officials in June after their contract expired. The league has been using replacement officials, who have come under increasing criticism over the way they handled some games.
White House spokesman Jay Carney told reporters aboard Air Force One that Obama watched the Monday night game and "thinks there was a real problem with that call."
"He said that what happened in that game is why both sides need to come together, resolve their differences so that the regular refs can get back on the field so we can start focusing on a game that so many of us love rather than debating whether or not a game was won or lost because of a bad call," Carney said.
Obama said in a phone interview Tuesday with The Des Moines Register that he doesn't blame the replacement refs.
"They've been put in a tough situation," the president said. "But the fact is this is a fast, tough game to control. And it doesn't make sense to me for a league that's been so successful not to want to put their very best out there."
Associated Pressjuan pablo montoya crash chardon high school shooting mark martin cleveland news daytona race the cutting edge fox 8 news
Television section
For the week of Sept. 10-16
1. Sunday Night Football: Detroit at San Francisco, NBC, 21.33 million.
2. "Sunday Night NFL Pre-Kick," NBC, 15.23 million.
3. "60 Minutes," CBS, 12.36 million.
4. "The Voice" (Monday), NBC, 12.29 million.
5. "Football Night in America" Part 3, NBC, 11.74 million.
6. "The Voice" (Tuesday), NBC, 11.42 million.
7. "America's Got Talent" (Wednesday), NBC, 11.05 million.
8. "The Voice" (Wednesday), NBC, 10.89 million.
9. "America's Got Talent" (Thursday), NBC, 10.59 million.
10. "Go On," NBC, 9.73 million.
Source: http://today.msnbc.msn.com/id/3032450/ns/today-entertainment/
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Tuesday, September 25, 2012
Facebook Privacy Issues - Business Insider
There was a big Facebook privacy scare today, when reports broke that old private messages were appearing on users' timelines.
The company responded to the reports saying, "A?small number of users raised concerns after what they mistakenly believed to be private messages appeared on their Timeline. Our engineers investigated these reports and found that the messages were older wall posts that had always been visible on the users? profile pages. Facebook is satisfied that there has been no breach of user privacy."
The Next Web originally reported?that?Facebook had accidentally published private messages on some users' timelines from the years 2007, 2008, 2009, and maybe even earlier.? Reports of this "mistake" were first discovered in France, where?Metro France?broke the news.
If you think this has happened to you the easiest fix is to click on the pencil at the top right of the message and make sure to select "Hide from timeline."
Source: http://www.businessinsider.com/facebook-privacy-issues-2012-9
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Understanding how salamanders grow new limbs provides insights into potential of human regenerative medicine
ScienceDaily (Sep. 25, 2012) ? Based on two new studies by researchers at the Salk Institute for Biological Studies, regeneration of a new limb or organ in a human will be much more difficult than the mad scientist and supervillain, Dr. Curt Connors, made it seem in the Amazing Spider-man comics and films.
As those who saw the recent "The Amazing Spiderman" movie will know, Dr. Connors injected himself with a serum made from lizard DNA to successfully regrow his missing lower right arm -- that is, before the formula transformed him into a reptilian humanoid.
But by studying a real lizard-like amphibian, which can regenerate missing limbs, the Salk researchers discovered that it isn't enough to activate genes that kick start the regenerative process. In fact, one of the first steps is to halt the activity of so-called jumping genes.
In research published August 23 in Development, Growth & Differentiation, and July 27 in Developmental Biology, the researchers show that in the Mexican axolotl, jumping genes have to be shackled or they might move around in the genomes of cells in the tissue destined to become a new limb, and disrupt the process of regeneration.
They found that two proteins, piwi-like 1 (PL1) and piwi-like 2 (PL2), perform the job of quieting down jumping genes in this immature tadpole-like form of a salamander, known as an axolotl -- a creature whose name means water monster and who can regenerate everything from parts of its brain to eyes, spinal cord, and tail.
"What our work suggests is that jumping genes would be an issue in any situation where you wanted to turn on regeneration," says the studies' senior author, Tony Hunter, a professor in the Molecular and Cell Biology Laboratory and director of the Salk Institute Cancer Center.
"As complex as it already seems, it might seem a hopeless task to try to regenerate a limb or body part in humans, especially since we don't know if humans even have all the genes necessary for regeneration," says Hunter. "For this reason, it is important to understand how regeneration works at a molecular level in a vertebrate that can regenerate as a first step. What we learn may eventually lead to new methods for treating human conditions, such as wound healing and regeneration of simple tissues."
The research team, which included investigators from other universities around the country, sought to characterize the transcriptional fingerprint emerging from the early phase of axolotl regeneration. They specifically looked at the blastema, a structure that forms at a limb's stump.
There the scientists found transcriptional activation of some genes, usually found only in germlime cells, which indicated cellular reprogramming of differentiated cells into a germline state.
In the Development, Growth & Differentiation study, the research team, led by Wei Zhu, then a postdoctoral researcher in Hunter's laboratory, focused on one of these genes, the long interspersed nucleotide element-1 (LINE-1) retrotransposon.
LINE-1 elements are jumping genes that arose early in vertebrate evolution. They are pieces of DNA that copy themselves in two stages -- first from DNA to RNA by transcription, and then from RNA to DNA by reverse transcription. These DNA copies can then insert themselves into the cell's genome at new positions.
A few years ago, Fred Gage, professor in the Laboratory of Genetics at the Salk Institute, discovered that LINE-1 elements move around during neuronal development, and may program the identities of individual neurons.
"Most of these copies appear to be 'junk' DNA, because they are defective and can never jump again," says Hunter. But all mammals, including humans, still have active LINE-1 genes, and the salamander, whose genome is 10 times larger than a human's, contains many more.
Active LINE-1 retrotransposons can keep jumping, and that was true in the developing blastema where LINE-1 jumping was dramatically switched on. But in the researchers' companion study, in Developmental Biology, they found that PL1 and PL2 switch off transcription of repeat elements, such as LINE-1. "The idea is that in the development of germ cells, you definitely don't want these things hopping around," says Hunter. "The mobilization of these jumping genes can introduce harmful genomic rearrangements or even abort the regeneration process."
In fact, when the researchers inhibited PL1 and PL2 activity in the axoloti limb blastema, regeneration was significantly slowed down.
"The need to switch on one set of genes to stop other genes from jumping just illustrates how amazingly difficult it would be to regenerate something as complex as a limb in humans," Hunter says. "But that doesn't mean we won't learn valuable lessons about how to treat degenerative diseases."
The work was supported by grants from the National Cancer Institute, the U.S. Public Health Service, and an Innovation Grant from the Salk Institute.
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The above story is reprinted from materials provided by Salk Institute for Biological Studies.
Note: Materials may be edited for content and length. For further information, please contact the source cited above.
Journal References:
- Wei Zhu, Gerald M. Pao, Akira Satoh, Gillian Cummings, James R. Monaghan, Timothy T. Harkins, Susan V. Bryant, S. Randal Voss, David M. Gardiner, Tony Hunter. Activation of germline-specific genes is required for limb regeneration in the Mexican axolotl. Developmental Biology, 2012; 370 (1): 42 DOI: 10.1016/j.ydbio.2012.07.021
- Wei Zhu, Dwight Kuo, Jason Nathanson, Akira Satoh, Gerald M. Pao, Gene W. Yeo, Susan V. Bryant, S. Randal Voss, David M. Gardiner, Tony Hunter. Retrotransposon long interspersed nucleotide element-1 (LINE-1) is activated during salamander limb regeneration. Development, Growth & Differentiation, 2012; 54 (7): 673 DOI: 10.1111/j.1440-169X.2012.01368.x
Note: If no author is given, the source is cited instead.
Disclaimer: This article is not intended to provide medical advice, diagnosis or treatment. Views expressed here do not necessarily reflect those of ScienceDaily or its staff.
Source: http://feeds.sciencedaily.com/~r/sciencedaily/strange_science/~3/7gShci9GVJM/120925152139.htm
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TrackBack - Black Female Interracial Marriage
Thanks for sending in this video, AN and I will post your note about it in the next post. I know it's been floating around and caused a big brouhaha, and I've seen it before. I will give my views on it in my next essay because I have a lot to say about it.
And since I've presented myself as "mother Evia," some of you want me to comment on some of the issues in popular culture that disturb you. LOL! ?I don't mind doing this sometimes.?
But first, I want to share this excellent ?Yahoo ARTICLE?because as more bw become involved in vetting non-bm, more knowledge is, of course, more helpful.?
There is much common sense in this entire article about what it takes to make a quality choice in relationship partner AND make a relationship work. For upwardly mobile bw, there are many gems contained in the article about what it's going to take to get to the next level and stay there--especially if you want to share your life with a man inside a harmonious, long term relationship.
Much contained in this article is indirectly a key prerequisite for raising emotionally balanced, successful children.
Smarter bw know that it's much easier to raise successful, emotionally healthy children if you have a loving, compatible partner. DUH! ?That's why they're called a partner. I didn't want to get married just to have a man in the house or another income; I wanted a loving and loveable PARTNER, which denotes compatibility.
Smarter people also know that if you have a loving and loveable, compatible partner, it's much more likely that you will be healthier, acquire and keep wealth (for all in the family), etc. For those who want to argue about this, check out the research on these topics and keep in mind that I'm talking about high probability vs low probability here; I'm not talking about absolutes.
EXCERPT:
"For a stable marriage, get a good education first
?A follow-up study conducted by three of my graduate students ? Paul Park, Elizabeth Matt, and Chad Carrick ? found that occupations that had brighter, better-educated employees had lower divorce rates, and that divorce rates were lower for higher-paying jobs than for lower-paying jobs,? continues Dr. Aamodt. ?Thus, it appears that it is not the job itself, but the characteristics of the employees that are related to occupational divorce rates.? It might sound like a no-brainer, but now we have scholarly confirmation: a little extra money in the family coffers does lead to more stable marriages. So if you want to be happy for the rest of your life, make a bright and educated person your husband or wife."
For upwardly mobile bw, the content of this quote is like "DUH"! LOL!
As I think more about it, I think that some people have common sense but are simply afraid to use it. I say that because as I read the article, I asked myself: What is it about most of this entire article that any sensible adult over 25 doesn't know?
Having said that, I do know that many AA women have been discouraged from even looking at the possibility of choosing higher quality or compatible mates by others around them who often point out to them that if a man is trying hard to do better, then that is good enough. SMH
If you're an AA woman, that's probably a pretty common message around you.?
But that, in itself, is a background issue that is not shared by all AA women. In my background, that may have floated around me, but I NEVER received that message from my mother, grandmother, or my FATHER. The message I got from all of them was just the opposite.
My father? ?Some of you have asked me about him. My father was a hard-working man. He did more than 'try hard;' he delivered. He had very little formal education but he was a good reader and had a memory like a steel trap. LOL! ?Despite Jim Crow, he learned a skill which enabled him to earn very well, and he supported me. He had his issues after he got out of the military (due to injuries), but he still protected and supported me. I can't ever recall him raising his voice to me. He was playful with me, used to bite my ear when I was a small girl, smiled at me a lot, and probably was his most gentle around me. As I got older, he would talk to me a lot about his life when we were together and I knew he was being earnest. I always felt he was proud of me.
I didn't spend as much time with my father because he was always off ?working, but he conveyed his values to me. All three of these people were key shapers of my values.
They conveyed to me that 'trying hard' may be admirable and noble, but that's not good enough. I had to do more than 'try hard.' I had to accomplish or actually reach significant goals, without coming up with excuses. Anything that I've done or not been able to do is my responsibility. I take FULL responsibility because I was raised that way. I was shaped that way.
You will need to sue my mother, father, and grandmother for shaping me to be this way.
I've heard all sorts of excuses from many folks about why they can't do this, that, or the other, but to me those ARE just that: EXCUSES.
This is why I never allowed my sons to say what they can't do. I've made them just admit that they didn't try hard enough or long enough, or in the right way. In other words, they didn't stay on the right path, long enough.
So I've expected a comparable level of accomplishment from my mate. This does NOT mean that I'm compatible with every man or even most men who have a comparable level of accomplishment.
However, levels of accomplishment feeds into compatibility in relationships.
For ex., if a woman who is a rocket scientist who has a cute smile (or whatever other cute physical trait) marries a man who is a well-paid construction worker with big muscles, why would either of them think the relationship will be satisfying or last for long??????? This is the part that mystifies me. I wonder why people choose each other as mates, based on purely or mostly surface traits. Yes, he may have big muscles, have a good income, and she may have a cute smile, but WHY would any sensible person think that muscles and smiles will carry a relationship through all the bumps in the road that a long-term relationship will undergo.
I know a LOT about long-term quality relationships. That's a benefit of my age, my broad-ranged experiences, the type of men I mingled with and chose for husbands, the quality of my marriages, my common sense, or in general, the life I've lived--inside my intercultural ex-marriage and now inside my interracial marriage with Darren.
Also, aside from my life inside my relationships with these wonderful men I've shared my life with, I have girlfriends and gal pals who represent various other ethnic and racial groups. Naturally, I mingled with many African women, white women, worked with women from all kinds of backgrounds for years, but one of my best friends from college is a Hispanic woman and another good friend I met about 18 years ago is an Iranian woman. All of these relationships have given me a chance to mingle inside other diverse cultures and ethnic groups and observe what goes into the much longer marriages they have.
Trust me, NONE of these women (that I know) from other cultures choose men the way too many typical American women do. These women from other groups virtually ALWAYS choose men based on how COMPATIBLE they are with the man--across the board. That compatibility depends almost totally on the commonalities in their backgrounds, their VALUES, their goals, their views about life, etc. A woman who is a rocket scientist and a man who is a construction worker are not going to be compatible 99.999% of the time--EVEN IF--he makes 15 times as much money as she does. DUH!
What are they going to talk about???? Oh, okay, let's see. Maybe they can talk about what was on TV last night or a new movie coming out. Or???????? ?Yeah, he may be able to crack some jokes that will make her laugh, but is that enough to sustain a long relationship? Let's face it--their values and views about life are going to be very different because a large part of who a person is springs from what they do every day and what they've done a lot of for the past several years.
In other words, you ARE what you DO. And in some cases, this can be a problem. This is why I knew I could never be interested in a long term relationship with a cop--though I did date a policeman when I was in my 20s. He was a nice guy, but I felt edgy with him. LOL! He talked about some of his work and YUK! ?I knew that I didn't want a man to come home and look at me through the lens that he'd been viewing life most of his waking hours that day. Police people deal with deviants. Their work involves identifying and controlling deviant people. However, if I had also been a cop, then we would have had a LOT to talk about and much more in common. Maybe.
I say maybe because some people are fortunately more complex than that. ?
Darren and I have similar educational levels, but our educational majors are far apart. Yet, we grew up in a similar manner, with similar VALUES, have various common interests, have personalities that mesh. So we feel free to be who we are with each other and we support each other in being who we naturally are. Darren virtually ALWAYS supports me in doing whatever I'm doing and he encourages me to do it. He always has my back. If it's something that we must do together and have a disagreement, we always talk until we reach a consensus. Neither of us wants to be happy at the other's expense.
I've noticed that many wives and husbands or women and men and women in relationships will take advantage of the other one if it enables them as individuals to get what they want. This creates an ongoing gender war or low-intensity conflict because even IF you can get over on another person, that persons knows that you did that to them. So, they will resent you and it's only a matter of time before they will retaliate. If they can't retaliate, they will simply resent you. Resentment is one of the worst feelings to have in a relationship. It's a relationship-wrecker. For sure!
Anyway, Darren also always tries to get rid of my worries and doubts and even tells jokes to make me feel silly about worrying or doubting. He hates it when I worry unneccessarily. OMG! That's when his temper flares. He'll say things like: "What is that worry based on?" Or: "You just pulled that worry out of thin air!"?
And yeah, I have to usually admit that I did just 'create' something to worry about. LOL!
I've figured out that he gets very upset about this because as a man, he feels that a part of his role is 'problem solver' so when I worry about things, he feels that I've created an imaginary problem. And how can he solve an imaginary problem??? LOL!
So, I've learned to maybe only say a word or two about any of my imaginary problems. LOL! And imaginary problems usually just dissolve into thin air anyway.
But, I'll stop here for now. Please stay tuned for my views on the above video.
?
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