Microsoft MB3-230 Material - Education - Study Techniques

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Great Plains 8.0 Human Resources Payroll(U.S) MB3-230 Test

MB3-230

QUESTION: 1Which of the following statements are true about salary matrixes?

A. Salary matrixes are optional.B. Salary matrixes are required for each pay code.C. Salary matrixes will not allow you to save pay rates outside the maximum rate specified.D. If a salary matrix is assigned to a pay code, the system will warn you when you areoutside the matrix standards with a message.

Answer: A, D

QUESTION: 2Human Resources supports which of the following premium methods for Life Insurance?

A. Fixed Amounts onlyB. Fixed Amounts and Variable AmountsC. Fixed Amounts and Age BasedD. Variable Amounts and Age Based

Answer: C

QUESTION: 3Which of the following are true about setting up Health Insurance plans in HumanResources?

A. A COBRA premium can be tracked.B. A waiting period can be specified before an employee becomes eligible.C. A copay code could be attached for prescription drugs.D. Contributions to pay for the plan can come from the employee and employer.

Answer: A, B, C, D

QUESTION: 4Which of the following organizational setups allow you to track 25 extra fields? MB3-230

A. CompanyB. EmployeeC. PositionD. Dependents

Answer: A, B, C

QUESTION: 5Which of the following organizational setups require that you set up at least one?

A. DivisionB. DepartmentC. Position/Job titleD. Supervisors

Answer: B, C

QUESTION: 6The adjusted hire date can be used for which of the following?

A. To calculate Benefit eligibilityB. To calculate Attendance accrualsC. To pro-rate salaryD. To determine Length of service

Answer: A, B, D

QUESTION: 7What procedure(s) should be run if Payroll was set up prior to purchasing Human Resourcesto ensure the HR benefit information will be updated?

A. Shrink and verifyB. ReconcileC. Year end closing in Payroll and HR MB3-230

D. This will happen automatically as soon as HR is loaded

Answer: B

QUESTION: 8If a 401K retirement plan is set up in Human Resources, and the employer match percent is50%, what would be the deduction and benefit percentage amounts in Payroll if the employeecontributed 4%?

A. 4% deduction and no benefitB. 4% deduction and 2% benefitC. 100% deduction and 50% benefitD. 100% deduction and 2% benefit

Answer: B

QUESTION: 9Which of the following can be archived in Human Resources?

A. ApplicantsB. EmployeesC. To-Do ListsD. Organizational Setups

Answer: A, B

QUESTION: 10Which of the following is true about your employee benefits, such as health coverage, whenyou are setting up Payroll and Human Resources?

A. Benefits should be set up in Payroll and not in HR.B. Benefits should be set up in Payroll and then the corresponding codes in HR.C. Benefits should be set up in HR and then the corresponding codes in Payroll.D. If the Payroll view box is checked for the user, they will be prompted to set up thecorresponding codes in Payroll after entering a benefit in HR. MB3-230

Answer: C, D

QUESTION: 11Where are General Ledger accounts for Payroll transactions pulled?

A. Employee MaintenanceB. The Class assigned to the EmployeeC. Payroll Posting Accounts SetupD. Posting Accounts Setup

Answer: C

QUESTION: 12What Payroll Setup option should be checked if you want to change month to-date amountson an employee pay record?

A. Edit Payroll informationB. Edit financial fieldsC. Change employee recordsD. Change Payroll information

Answer: B

QUESTION: 13If you wish to give all employees in your organization a cost of living pay increase, whatwindow could be used to ensure both Payroll and Human Resources will be updated?

A. Payroll Mass UpdateB. Payroll Pay Code UpdateC. Compensation ManagementD. Reconcile Human Resources

Answer: C

Original Resource :

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Microsoft MB3-230 Certification Training - Education - Study Techniques

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Great Plains 8.0 Human Resources Payroll(U.S) MB3-230 Test

MB3-230

QUESTION: 1Which of the following statements are true about salary matrixes?

A. Salary matrixes are optional.B. Salary matrixes are required for each pay code.C. Salary matrixes will not allow you to save pay rates outside the maximum rate specified.D. If a salary matrix is assigned to a pay code, the system will warn you when you areoutside the matrix standards with a message.

Answer: A, D

QUESTION: 2Human Resources supports which of the following premium methods for Life Insurance?

A. Fixed Amounts onlyB. Fixed Amounts and Variable AmountsC. Fixed Amounts and Age BasedD. Variable Amounts and Age Based

Answer: C

QUESTION: 3Which of the following are true about setting up Health Insurance plans in HumanResources?

A. A COBRA premium can be tracked.B. A waiting period can be specified before an employee becomes eligible.C. A copay code could be attached for prescription drugs.D. Contributions to pay for the plan can come from the employee and employer.

Answer: A, B, C, D

QUESTION: 4Which of the following organizational setups allow you to track 25 extra fields? MB3-230

A. CompanyB. EmployeeC. PositionD. Dependents

Answer: A, B, C

QUESTION: 5Which of the following organizational setups require that you set up at least one?

A. DivisionB. DepartmentC. Position/Job titleD. Supervisors

Answer: B, C

QUESTION: 6The adjusted hire date can be used for which of the following?

A. To calculate Benefit eligibilityB. To calculate Attendance accrualsC. To pro-rate salaryD. To determine Length of service

Answer: A, B, D

QUESTION: 7What procedure(s) should be run if Payroll was set up prior to purchasing Human Resourcesto ensure the HR benefit information will be updated?

A. Shrink and verifyB. ReconcileC. Year end closing in Payroll and HR MB3-230

D. This will happen automatically as soon as HR is loaded

Answer: B

QUESTION: 8If a 401K retirement plan is set up in Human Resources, and the employer match percent is50%, what would be the deduction and benefit percentage amounts in Payroll if the employeecontributed 4%?

A. 4% deduction and no benefitB. 4% deduction and 2% benefitC. 100% deduction and 50% benefitD. 100% deduction and 2% benefit

Answer: B

QUESTION: 9Which of the following can be archived in Human Resources?

A. ApplicantsB. EmployeesC. To-Do ListsD. Organizational Setups

Answer: A, B

QUESTION: 10Which of the following is true about your employee benefits, such as health coverage, whenyou are setting up Payroll and Human Resources?

A. Benefits should be set up in Payroll and not in HR.B. Benefits should be set up in Payroll and then the corresponding codes in HR.C. Benefits should be set up in HR and then the corresponding codes in Payroll.D. If the Payroll view box is checked for the user, they will be prompted to set up thecorresponding codes in Payroll after entering a benefit in HR. MB3-230

Answer: C, D

QUESTION: 11Where are General Ledger accounts for Payroll transactions pulled?

A. Employee MaintenanceB. The Class assigned to the EmployeeC. Payroll Posting Accounts SetupD. Posting Accounts Setup

Answer: C

QUESTION: 12What Payroll Setup option should be checked if you want to change month to-date amountson an employee pay record?

A. Edit Payroll informationB. Edit financial fieldsC. Change employee recordsD. Change Payroll information

Answer: B

QUESTION: 13If you wish to give all employees in your organization a cost of living pay increase, whatwindow could be used to ensure both Payroll and Human Resources will be updated?

A. Payroll Mass UpdateB. Payroll Pay Code UpdateC. Compensation ManagementD. Reconcile Human Resources

Answer: C

Original Resource :

Visit MB3-230 Link : MB3-230 Download PDF Link : MB3-230

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Microsoft MB3-230 Training - Education - Study Techniques

To contact us Click HERE

Great Plains 8.0 Human Resources Payroll(U.S) MB3-230 Test

MB3-230

QUESTION: 1Which of the following statements are true about salary matrixes?

A. Salary matrixes are optional.B. Salary matrixes are required for each pay code.C. Salary matrixes will not allow you to save pay rates outside the maximum rate specified.D. If a salary matrix is assigned to a pay code, the system will warn you when you areoutside the matrix standards with a message.

Answer: A, D

QUESTION: 2Human Resources supports which of the following premium methods for Life Insurance?

A. Fixed Amounts onlyB. Fixed Amounts and Variable AmountsC. Fixed Amounts and Age BasedD. Variable Amounts and Age Based

Answer: C

QUESTION: 3Which of the following are true about setting up Health Insurance plans in HumanResources?

A. A COBRA premium can be tracked.B. A waiting period can be specified before an employee becomes eligible.C. A copay code could be attached for prescription drugs.D. Contributions to pay for the plan can come from the employee and employer.

Answer: A, B, C, D

QUESTION: 4Which of the following organizational setups allow you to track 25 extra fields? MB3-230

A. CompanyB. EmployeeC. PositionD. Dependents

Answer: A, B, C

QUESTION: 5Which of the following organizational setups require that you set up at least one?

A. DivisionB. DepartmentC. Position/Job titleD. Supervisors

Answer: B, C

QUESTION: 6The adjusted hire date can be used for which of the following?

A. To calculate Benefit eligibilityB. To calculate Attendance accrualsC. To pro-rate salaryD. To determine Length of service

Answer: A, B, D

QUESTION: 7What procedure(s) should be run if Payroll was set up prior to purchasing Human Resourcesto ensure the HR benefit information will be updated?

A. Shrink and verifyB. ReconcileC. Year end closing in Payroll and HR MB3-230

D. This will happen automatically as soon as HR is loaded

Answer: B

QUESTION: 8If a 401K retirement plan is set up in Human Resources, and the employer match percent is50%, what would be the deduction and benefit percentage amounts in Payroll if the employeecontributed 4%?

A. 4% deduction and no benefitB. 4% deduction and 2% benefitC. 100% deduction and 50% benefitD. 100% deduction and 2% benefit

Answer: B

QUESTION: 9Which of the following can be archived in Human Resources?

A. ApplicantsB. EmployeesC. To-Do ListsD. Organizational Setups

Answer: A, B

QUESTION: 10Which of the following is true about your employee benefits, such as health coverage, whenyou are setting up Payroll and Human Resources?

A. Benefits should be set up in Payroll and not in HR.B. Benefits should be set up in Payroll and then the corresponding codes in HR.C. Benefits should be set up in HR and then the corresponding codes in Payroll.D. If the Payroll view box is checked for the user, they will be prompted to set up thecorresponding codes in Payroll after entering a benefit in HR. MB3-230

Answer: C, D

QUESTION: 11Where are General Ledger accounts for Payroll transactions pulled?

A. Employee MaintenanceB. The Class assigned to the EmployeeC. Payroll Posting Accounts SetupD. Posting Accounts Setup

Answer: C

QUESTION: 12What Payroll Setup option should be checked if you want to change month to-date amountson an employee pay record?

A. Edit Payroll informationB. Edit financial fieldsC. Change employee recordsD. Change Payroll information

Answer: B

QUESTION: 13If you wish to give all employees in your organization a cost of living pay increase, whatwindow could be used to ensure both Payroll and Human Resources will be updated?

A. Payroll Mass UpdateB. Payroll Pay Code UpdateC. Compensation ManagementD. Reconcile Human Resources

Answer: C

Original Resource :

Visit MB3-230 Link : MB3-230 Download PDF Link : MB3-230

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The Best Military Retirement Calculator Website Out There - Finance

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Hence, the earlier you start with your retirement plans the better in the home . on your part. Nevertheless, prior to making progress in retirement planning you should consider a couple about points. To begin through, make sure that installed touch or use the amount which you have kept aside as the retirement savings. This rule of thumb may seem pretty simple products holds much significance, and you'll realize this while in the days to come. The Retirement calculator on the other hand will help you know how much you'll want to save to get a feasible chunk of money on the retirement. The calculator also displays sample calculations in support of your savings. Retirement car loans calculator doesn't involve any hassles; just make sure the principles are on a finger tips! However, you are free in order to consult a planner if you have had any problems with any retirement calculator. A financial planner may analyze every minute detail and help you to through your journey rega rding Retirement Planning and expenditure of money. To know more concerning retirement calculator and planning you can travel to a variety of websites dedicated in them. In general, the majority of these calculators help you while using the same basic information no earlier than you fill up any needed fields. They aid you identify your exact many advantages and proceed accordingly. Consequently, without wasting more time frame, be sure to ask a simple Retirement Calculator, start planning retirement now and lead a secured life within the days to come. .A retirement calculator can be a great tool for confident been thinking about retirement. Retiring from a business or possibly a job permanently is key decision in life and one which should be made only after consideration. You will have to help with making several calculations are crucial you are well provided for financially. With the help of your calculator you can make a conscious decision after considering the whole set o f important factors. Look for Calculators Internet Finding a retirement car finance calculator on the online would be your easiest way to do it since it is certainly fast and convenient. You will also be prepared to find several good options online for kind of financial situation so as to find one that suits your requirements. However, you will also will need to research well and a little more concerning the functions that these calculators offer if you wish to ensure that you get accurate results. However, you should know that there are lots of sites where these tools are merely presented as a sales pitch to obtain more visitors rather than for helping them with the needs. The Information that You will have When you find a retirement calculator you will need to provide a few basic details to achieve accurate results. There will be some input fields that you will need to fill up and apply for like: Your social security information together with your spouse's information Est imate of inflation reported by you Monthly pension amount Almost any income that you be expecting post retirement Any month to month income after and ahead of your retirement like royalties Any lump sum amount that you may receive from inheritance and / or sale of property and so forth. The FeaturesSome of these calculators will in addition offer you the choice of comparing the retirement portfolio towards the stock market cycles. A calculator based on linear programming can even be quite helpful since it should provide you accurate pre in addition to post retirement guidance. You can actually run the tool in a very Monte Carlo Risk Evaluation and in Simulation Function. This will provide you a definative picture of what acheive once you retire. There are several things that you must consider if you making the effort find the best doable calculator available. You may need to research a little and test different tools available online which causes the area find one that suits what you want. Although it may take some time for them to find the right just one, a good retirement calculator would supply you all the necessary information you do need to make informed decisions. .In modern financial planning, retirement income calculator plays a vital role. It is useful to create your own pension plan. These are smart softwares which are often used to know your retirement savings account balance or your withdrawal every year till your pensionable. You may be prepared to know your financial position during your retirement.

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Time Isn't Always Money

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Time is the most important resource we all have. Time will run out and you can never get it back. Time is the one link between you and every person in the world. We all have 24 hours in 7 days a week to work with. If you work a steady job think about your day. Your job takes up a large portion of time 5 days a week. You are trading time for a set payment every month. Now if you calculate your cash flow (income after expenses) you can see how long it will take to get rich. It is extremely hard to get rich when your income is directly correlated to the energy you exert every day. One option is to work harder to get a promotion, raise, or new job. However, your expenses will probably increase when your title or paycheck improve. This makes saving very difficult. Why not create passive income?

Passive income is the secret to wealth. Passive income is money that your money earns you. Passive income doesn't require time to find its way to your wallet. When you can successfully detach your time away from a money system, you will eventually become rich. Sounds easy right? Well....not necessarily. In order to get a strong passive income stream, a lot of work has to be done to create passive income vehicles.

• First, you have to understand that you will work extremely hard upfront without getting paid. When creating for yourself, money doesn't come until the system is created and operating. It's a lot of work to build passive income vehicles such as real estate portfolios, stock portfolios, royalty checks, or a business.
  
• Second, you have to find the time to put in the work. The difficult part about this is each passive income vehicle is a pool with sharks swimming. The pros swim in these waters to survive. They aren't in it for extra money. If you don't put in the time to really understand what you are doing, you will get swallowed up. Time will be a challenge if you have a family and major responsibilities. A supportive spouse and family is essential in this area. Communicate with them and include them so they know that your work will pay off in the end. Being up front with your family will eliminate a lot of distractions and you can focus on the details of your endeavor.
  
• Lastly, you must be willing to walk away. Income isn't passive until your time is not attached. Building a system to run itself requires a different plan than building a system that depends on you to run it. Have an exit plan at the start and tailor all of your actions and energy into eventually walking away with consistent income.

If you study wealthy people you will notice that they all have mastered the art of creating passive income. Even if they work a business, their businesses have passive income. If you want to be wealthy, you must generate different streams of income not dependent on your time. You can only do so much in 24 hours a day. Work hard to create money that will work harder for you. This is the definition of passive income.

Mogamo to pursue its passion - The Nation

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Asina Pornwasin
The Nation September 25, 2012 1:00 am

Set up eight years ago with the passion to develop its own mobile games, local software company Mobile Game Motion (Mogamo) is planning to expand its business capability from game-dealer to developer and owner of social games on the Android Platform.

Mogamo managing director Ekkanit Chansawang said that this year the company plans to expand its business from only mobile-game dealing in the Thai market to mobile payments, mobile advertising and mobile social game service. The move is aimed at helping the firm have more sources of revenue and to tap the high potential for growth in mobile games, mobile applications, and mobile services.

Ekkanit added that the rapidly increasing number of smart-phone users is opening up room for local software firms and making it easier to tap into this market.

Mogamo sees huge opportunities in this growth market, hence the company this year plans to launch three new services. First is mobile payment under 'Moga Pay'. This service offers mobile payment service with two models -micro-transaction payment involving small amounts up to Bt100, and cash card with payment values of Bt100, Bt300, Bt500, and Bt1,000.

"We had a soft launch since early this year and we plan to officially launch this service in July [next year]," said Ekkanit.

Target-clients of this service include Android game apps, Internet services such as Web content, and multimedia services such as video-streaming services.

"They can use our payment service to offer in-app purchase," said Ekkanit.

The second new service is mobile advertising, which is designed to serve as app advertising, called "Moga Deal". In this service, Mogamo will work with mobile app service providers as partners to offer advertising along with the applications to reach end-users who use those applications.

Currently, he said Mogamo has about four to five app partners who together have a total of 1 million end-users and banner impressions around 30 million times per day.

"This service is set to launch in August. We also plan to recruit more local advertisers to use our mobile adverting services. We have developed our own algorithm to offer advertisers the cost-per-installation model. We also plan to increase app partners to reach 20 to 30 app service providers, using our Moga Deal by the end of this year," said Ekkanit.

The other new service is the mobile-social-game platform, which the company has developed and offered for half a year for feature phones. Currently, it has 40,000 members. It aims to have 100,000 members by the end of this year.

"Mobile social games for the feature-phone market is still a huge market as most of the 80 million mobile-phone units are feature phones. In the near future, we will develop a mobile-social-game platform for smart phones when smart phones become a majority," said Ekkanit.

He added that this year, Mogamo estimates revenue of between Bt50 million and Bt60 million, which comes from four services. Revenue from its existing service alone - mobile game dealer - will make up 60 per cent of this year's total revenue, while 40 per cent will come from the three new services. The new services are expected to account for 70 per cent of total revenue by next year.

"Our passion is to have our own mobile game. We started this business with our own game but we had to stop as it did not work. Since then we have become a game dealer, selling games rather than developing our own games. Now, it is time to follow our passion. We have decided to develop and offer the mobile social game platform in August based on the freemium model," said Ekkanit.

He added that this year, it will launch two mobile social games - 'Super Star Manager' scheduled to launch in August, and another one to be launched later.

He said the mobile platform is the emerging market for software developers. The market will grow rapidly through the next five years.

Latest stories in this category

Source: http://www.nationmultimedia.com/technology/Mogamo-to-pursue-its-passion-30191011.html

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Earthquake rocks island in Alaska's Aleutian chain

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ANCHORAGE, Alaska (Reuters) - A powerful earthquake rocked one of the few inhabited islands in Alaska's Aleutian chain on Wednesday, but no damage has been found, federal and local officials said.

The magnitude 6.9 quake, centered 80 miles southwest of Adak, struck at 3:40 p.m. local time (7.40 p.m. EDT), the West Coast and Alaska Tsunami Warning Center said. No tsunami warning was issued, but scientists will monitor the area for any possible earthquake-related waves, center Director Paul Whitmore said.

In Adak, a community of about 330, "We definitely felt it," City Manager Layton Lockett said.

The building that houses city offices and the local school, engineered to withstand frequent earthquakes that strike the region, performed as designed, Lockett said.

"You could just hear the building move, and things were shaking," he said.

No damage was found, though officials were concerned about the fate of underground pipes, he said. The school, which has about 20 students, was out of session at the time.

Adak, an island city about 1,300 miles southwest of Anchorage, is a converted U.S. Navy station that once housed 6,000 people. It now operates as a port and seafood-processing center serving the North Pacific commercial fishing fleet.

Other moderate earthquakes have struck western Alaska in recent days, according to the center.

A magnitude 4.9 quake was recorded 90 miles west of the Alaska Peninsula town of Cold Bay on Tuesday. A magnitude 5.2 quake about 90 miles southwest of Kodiak was recorded on September 18.

(Editing by Cynthia Johnston and Eric Beech)

Source: http://news.yahoo.com/earthquake-rocks-island-alaskas-aleutian-chain-014645915.html

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New French Budget Taxes Rich at 75 percent | TheBlaze.com

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A photo taken on September 27, 2012 shows a balloon with pictures of France's President Francois Hollande during a demonstration of employees of French pharmaceutical group Sanofi hold at the group's plant in Toulouse, southern France. Credit: AFP/Getty Images

PARIS (AP) ? The French government presented a budget Friday that was heavy on taxes ? including a controversial 75 percent income rate on high earners ? but which critics said lacked fundamental reforms that could jumpstart economic growth.

President Francois Hollande?s cabinet defended the spending plan for next year, calling it a ?fighting budget? that would win the ?battle? against joblessness and help growth.

Like many European countries, France must tread a fine line between cutting the debts that dragged them into the current financial crisis and investing in the economy to spur growth.

The French economy, the second largest among the 17 countries that use the euro, has not grown for three straight quarters, the national statistics agency confirmed Friday. Unemployment has been on the rise for more than a year and stands at 10.2 percent.

Economists warn, however, that things could get much worse in France if it doesn?t get serious about slashing state spending and reforming stringent labor laws.

?This is a serious budget, it?s a leftist budget and it?s fighting budget,? Finance Minister Pierre Moscovici told French radio station Europe-1 Friday morning.

Because Hollande promised that he would slash the country?s deficit to 3 percent next year ? a limit required by European rules ? the government must find (EURO)30 billion in savings. One-third will come in spending cuts, with the rest in new or higher taxes on the wealthy and big companies, including a 75 percent tax on incomes over (EURO)1 million.

Among the other measures included are: a new income tax level at 45 percent for those making more than (EURO)150,000, an increase of capital gains taxes to bring them more in line with how salaries are taxed, and a cap on certain deductions for large companies on their income taxes.

The 75 percent tax will last for two years and has always been billed as a symbolic measure since it will bring in very little revenue. Several businessmen and politicians in the opposition have said that?s exactly what?s wrong with the 2013 budget: It sends the message that France doesn?t like the rich and isn?t open for business.

?France is sick from a model that isn?t viable,? said Guillaume Carou, CEO of Didaxis and president of the Club of Entrepreneurs, which represents 15,000 small businesses. ?But (the government has) chosen to keep it, that?s what the 2013 budget reveals.?

Prime Minister Jean-Marc Ayrault rejected that characterization, however, insisting that the budget would win the battle against unemployment.

?It?s a budget that aims to inspire confidence and to break the debt spiral that keeps growing and growing,? he said after the budget was presented to the Cabinet.

The budget is built around an expectation of 0.8 percent growth for next year. If growth misses the projections, more cuts could be needed later.

Moscovici conceded that most economists predict the French economy will grow just 0.5 percent, but said that if the European debt crisis stabilizes, France would meet its targets.

Source: http://www.theblaze.com/stories/french-dis-socialist-prez-unveils-new-budget-that-includes-75-tax-rate-on-wealthy-45-rate-on-some-others/

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Technology Improves Student Performance | Kiddo!

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District Partners

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School Partners

DOE Study Shows Technology Improves Student Performance

Before this summer, middle school teachers who wanted their students to use computers had to reserve one of the school?s desktop computer labs.? With 45 teachers and only two labs, getting a space often required six weeks? lead time, wreaking havoc on curriculum planning and making it a challenge to integrate computers into classroom teaching.

But no longer.? This summer, thanks to designated donations from two Mill Valley families and a matching grant from the Macquarie Group Foundation, Kiddo! was able to provide $75,000 to MVMS for the purchase of four iPad carts with 30 iPads each, plus software and staff training. ?Now each of the three academic ?pods? at the school has a dedicated iPad cart, shared by only 6-7 teachers, and the library has its own iPad cart reserved for research projects.

In addition, once the desktop labs were no longer needed, the school was able to clear out the lab space and distribute the desktop computers to smaller labs within each pod for use on a project basis. This has not only freed up much-needed space for the growing middle school population, but has also created, through the combination of iPads and smaller computer labs closer to classrooms, a nimbler and more flexible technology platform.? In other words, it?s now much easier for teachers to use computers in their daily lessons.

And that?s important.? A recent study by the United States Department of Education documented the numerous benefits that students derive from the use of computers in school.? Most significantly, it found that students with greater amounts of computer access became more motivated and self-confident learners.? The study found that when students are using technology, ?they are in an active role rather than the passive role of recipient of information transmitted by teacher, textbook or broadcast,? and they are able to handle more complex assignments in which they define their own goals, make decisions, and evaluate their progress.? Technology also provides students with opportunities to excel across a broader range of challenges and tasks than those offered in traditional settings, which primarily stress verbal knowledge and multiple choice test performance.

Middle school principal Anna Lazzarini sums it up this way: ?Technology is no longer a bells and whistles item in education.? There are so many ways to use technology to deepen learning, to create hands-on experiences for students, to engage them, and to provide instruction that fits the needs of students in every area of study.?? In the technology-driven world our children must navigate, she adds, it?s critical to ?teach students how to use technology in appropriate ways.?

Middle school teachers are loving it, too.? Each iPad comes pre-loaded with features such as Pages, Keynote, iMovie, and iPhoto that already have proven to be valuable teaching tools.? But individual teachers can also buy apps pertinent to their subject area.? Cari Pompanin, who teaches sixth grade language arts and social studies, can?t wait to use Google Earth to help her students ?literally walk the Earth.?? She?s also planning to use Virtual Roma, which can take students not just to present-day Rome but to Rome at any period in its history.? ?Just think,? she says, ?we can travel to ancient Rome right from our desks!?

Our students deserve the best education we can give them, so that they can realize their full potential and meet the challenges of a rapidly changing world.? Improving their access to technology and computers in the classroom is an important piece of that puzzle.? Kiddo! is deeply grateful to all those in our community whose donations and support make that possible.

Source: http://kiddo.org/2012/09/technology-improves-student-performance/

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Get To Know The 4 Technologies That Can Help You Overcome ...

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Dental phobia is not the reserve of children only. Many adults fear a visit to the dentist though they will not wail about it. Many do not even know (or do not want to admit) they are afraid of the dentist. If you find yourself making an excuse any time you have an appointment, then you may have a case of mild dental phobia. Severe cases include literal fear at the thought of a dentist appointment, shaking, running away when at the dentist?s office and whimpering during the procedure.

Fear of the dentist arises from several factors, top on the list being the uncertainty of what is happening in your mouth, the pain of the injection and the motor noises from various dentist instruments. Having such fear mild or intense is nothing to be embarrassed about neither is it unusual. Nevertheless you still need to visit the dentist for good dental hygiene and more so when you have a dental problem.

Learn about these 4 nifty technological devices that make your trip to the dentist pain and fear free!

1.?????? The Magic STA wand

For those who do not like the sight of a needle or the thought of it in your mouth, you will love this STA and Compudent wand. The injection you get at the dentists is meant to numb your nerves and allow the dentist to work on your mouth without you feeling any pain.

However, one still feels a certain sting when the needle is inserted. This sting is due to the drastic intake of anesthesia. This wand therefore is a computer controlled dental injection meaning that you will feel nothing. It eliminates the human error that causes the sting. It is beneficial for both dentist and patient because it is light to hold, does not look like a syringe and pain free.

2.?????? The iPod

Nothing calms the mind more than music. It is leaving surgery theatres and finding its way into the dentist?s chambers. You can carry your own music to the dentists for a calming experience. Alternatively as a dentist, you can get an Mp3 player or iPod for your office. Allow patients to select music of their choice. The music helps to drown out the noises from the machines and instruments you will use. Manufactures know this secret; they are creating devices that contain music with specific frequencies. These drown out the motor noises whilst allowing for communication between dentist and patient.

3.?????? Air Abrasion

It is important to get plaque removed by your dentist as not all gets off through brushing. The drilling process can be quite a scare for many with all the vibrating sounds and slight heat in the mouth. Air abrasion gets rid of both making it a smooth experience for you.

Air abrasion technology makes use of gentle but highly pressures air. This may contain some powder or water to enhance the process. When this stream of powder and compressed air hits the surface of your tooth, it rids of the surface material in this case plaque. The mention of pressurized air should not scare you. It is gentle but firm so it will not hurt even if your tongue got in the path of this stream. It is perfect for kids; it is fast, easy and pain free.

4.?????? Numbing Gel

This gel does not necessarily fall into the technology category but is highly effective in ensuring you feel no pain during the whole procedure. The gel is applied to the surface of your gums n the general region that he needle will be inserted. Some dentist may not use this gel so do not hesitate to ask for it. Rumors abound that this gel does not work. The gel works perfectly if left on the surface for about one minute, not more or less.

Many other advancements in technology made today enable one to get a pain free session at the dentists. If wondering how to spot a dentist that uses this technology simply ask around or go to website directories that list dentists in your area and the various methods they use. Also in order to get rid of your fear consult with your dentist and inform them that you fear the session and work out plan to have a soothing time at the dentists.

?

Byline

Chad believes that a good dentist in Phoenix can help his patients deal with dental phobia as well as provide quality dental services.

Source: http://www.whatishowto.net/2012/09/28/get-to-know-the-4-technologies-that-can-help-you-overcome-dental-phobia/?utm_source=rss&utm_medium=rss&utm_campaign=get-to-know-the-4-technologies-that-can-help-you-overcome-dental-phobia

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Is Mick Foley right about CM Punk?

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Many members of the WWE Universe already asked themselves this question, but only when Mick Foley pressed the issue on Raw did it really cut right to the WWE Champion's core:

What happened to CM Punk?

The Hardcore Legend unleashed the most scathing critique of Punk yet, exposing what ? in Foley's mind ? has been a disturbing transformation for the WWE Champion (VIDEO). Just more than a year ago, the self-proclaimed ?Voice of the Voiceless? kept millions of WWE fans hanging on his every word as he railed against what he perceived to be injustices in WWE. As Foley proclaimed on Raw, Punk's movement stood out as something special.

Yet Foley pointed out that the Punk of today feels like a vastly different individual, someone who bullies WWE referees, accepts victories regardless of whether they feel cheap, and all the while demands respect from anyone and everybody that crosses his path. With Paul Heyman firmly in his ear, The Straight Edge Superstar has shown no reverence for his greatest opponents or the WWE icons who have paved the way for him, such as Foley and Bret "Hit Man" Hart (VIDEO). The Punk that cares about the silent majority has appeared to become the Punk who only cares about himself.

Foley urged The Second City Savior to reverse his course, to stop listening to Heyman and to go back to the bastion of change reminiscent of the "Summer of Punk." But it isn't as simple as The Hardcore Legend makes it seem. It's quite possible that this is the real CM Punk we're seeing now, and before he was just putting on a fa?ade in order to get what he desperately wanted: the fame, the attention and the spotlight that instead went to Superstars like Cena and The Rock. Now that he's on top of the world as WWE Champion, perhaps Punk has a different perspective on matters.

Then again, maybe this is all just part of Heyman's devious bidding as he tries to assert complete control over The Straight Edge Superstar. The 2011 version of Punk surely wouldn't have called members of the WWE Universe "jerks" and then later attacked Foley like he did on Monday night (VIDEO). Is Punk's recent string of controversial actions just an extension of the original ECW founder's influence?

Despite Foley's pleading, Punk chose not to accept Cena's challenge to a match at Hell in a Cell, and wound up with a lead pipe to his stomach from the injured Cenation leader. The old CM Punk never backed down from a battle, but this Punk is seemingly more concerned with counting the days of his WWE Championship reign than he is about actually defending his title.

Judging by what we saw from Punk as Raw came to a close, maybe Foley was right about him after all. (POLL: DO YOU AGREE WITH FOLEY? | EXCLUSIVE: FOLEY COMMENTS ON PUNK'S ACTIONS)

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Source: http://www.wwe.com/shows/raw/2012-09-24/is-mick-foley-right-about-cm-punk

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Ahmadinejad denounces "uncivilized Zionists," urges new order

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UNITED NATIONS (Reuters) - Iran's president said on Wednesday his country was under constant threat of military action from "uncivilized Zionists" and called for a new world order not dominated by Western powers in the service of "the devil."

In his eighth address to the U.N. General Assembly's annual gathering of world leaders, Mahmoud Ahmadinejad painted a gloomy picture of a world driven by greed rather than moral values.

"The current abysmal situation of the world and the bitter incidents of history are due mainly to the wrong management of the world and the self-proclaimed centers of power who have entrusted themselves to the devil," Ahmadinejad said, in what is expected to be his last address to the world body.

There was no reiteration of his comments to journalists in New York on Monday that Israel has no roots in the Middle East and would be "eliminated."

However, in a clear reference to Israel, he told the assembly: "Continued threat by the uncivilized Zionists to resort to military action against our great nation is a clear example of this bitter reality."

On Tuesday, in his address to the General Assembly, U.S. President Barack Obama warned Iran he would do what it takes to prevent it from getting nuclear arms and said there was not an unlimited time to solve the crisis via diplomacy.

Israeli Prime Minister Benjamin Netanyahu, who is due to speak at the United Nations on Thursday, has hinted Israel could strike Iran's nuclear sites, and has criticized Obama's position that sanctions and diplomacy should be given more time to stop Tehran from acquiring nuclear weapons.

On Wednesday, Netanyahu promised a tough response at the United Nations to Ahmadinejad's verbal attacks, which coincided with the holiday of Yom Kippur, one of the holiest on the Jewish calendar.

"On the question of Iran, we are all united in the goal of preventing Iran from achieving nuclear weaponry," he said in open letter to Israelis before boarding a flight to New York.

"On Yom Kippur eve, sacred to the Jewish people, the Iranian tyrant chose to call publicly before all of the world for us to vanish. This is a black day for those who chose to remain in the auditorium and hear these hateful words," Netanyahu added.

Representatives of the United States, Canada and Israel chose not to be present in the U.N. auditorium for Ahmadinejad's speech on Wednesday.

Israel and the United States have refused to rule out the possibility of an armed strike on Iran's nuclear facilities, which the West suspects aim to produce atomic bombs but which Tehran says are for solely peaceful purposes.

At a news conference later on Wednesday, Ahmadinejad said Iran is "capable of avoiding and neutralizing" efforts to sabotage its nuclear facilities, while repeating that his country is ready for dialogue with the United States.

"We are ready for a dialogue and a resolution of problems. ... We have never had any problems with the people of the United States," he said.

In his U.N. address, without mentioning the United States by name, the Iranian president took aim at Washington's global dominance, asking: "Are we to believe that those who spend hundreds of millions of dollars on election campaigns have the interest of the people of the world at their hearts?"

Ahmadinejad, whose own second and final term in office ends next year, said authority should be used as a sacred gift, "not a chance to amass power and wealth."

'A GREAT AND PROUD NATION'

Iran is under sanctions imposed by the United Nations and Western powers for its refusal to comply with U.N. Security Council demands to halt its nuclear enrichment program.

Ahmadinejad said the 15-nation council, on which the United States, Britain, France, Russia and China all have vetoes, was dominated by "a limited number of governments," preventing the United Nations from acting in a just and equitable way.

Declaring that he represented "a great and proud nation that was a founder of human civilization," Ahmadinejad said: "There is no doubt that the world is in need of a new order and a fresh way of thinking."

He said this should be "a just and fair order in which everybody is equal before the law and in which there is no double standard."

His speech touched on issues he has raised in previous U.N. appearances, such as suggesting there should be an "independent fact-finding team" established to discover the "truth" behind the September 11, 2001 attacks on the United States and complaining about the "hegemonic policies and actions of world Zionism."

A spokeswoman for the U.S. mission to the United Nations, Erin Pelton, said the United States decided not to attend the speech given Ahmadinejad's recent comments on Israel and the fact that it was Yom Kippur.

"Over the past couple of days, we've seen Mr. Ahmadinejad once again use his trip to the U.N., not to address the legitimate aspirations of the Iranian people, but to instead spout paranoid theories and repulsive slurs against Israel," Pelton said.

"It's particularly unfortunate that Mr. Ahmadinejad will have the platform of the U.N. General Assembly on Yom Kippur."

European Union states did not walk out, apparently because Ahmadinejad did not cross any of their "red lines."

"Ahmadinejad gave a long, rambling speech," a European diplomat told Reuters on condition of anonymity. "Previously we've walked out because of his anti-Semitism, threats against Israel and 9/11 conspiracies. This year his only crime was incoherence."

Bearing signs reading "Secular Democracy for Iran" and "Khamenei Dictator of Iran Must Go," referring to Iran's supreme leader Ayatollah Ali Khamenei, about a hundred opponents of the Iranian government protested across the street from the United Nations as Ahmadinejad spoke.

Separately, U.N. diplomats and nuclear experts said Iran appears to be making headway in building a research reactor that could yield potential nuclear weapons material, adding to growing Western concerns about Tehran's atomic aims.

(Additional reporting by Randall Palmer in Ottawa; Writing by David Brunnstrom; Editing by Will Dunham)

Source: http://news.yahoo.com/iranian-presidents-last-hurrah-york-094046849.html

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Self-Driving Cars Legal in California | Fox News Insider

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8:57 am ET September 26, 2012

California is now the third state to legalize driverless cars. A new law immediately allows testing of the self-driving vehicles on public roads as long as licensed drivers are at the wheel in order to take over if necessary.

Source: http://foxnewsinsider.com/2012/09/26/self-driving-cars-legal-in-california/

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?Family Guy? Creator Seth MacFarlane Dating Emilia Clarke!

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“Family Guy” Creator Seth MacFarlane Dating Emilia Clarke!

Seth MacFarlane is reportedly dating “Game of Thrones” actress Emilia Clarke, who plays the role of Daenerys Targaryen in the HBO series. Seth and Emilia [...]

“Family Guy” Creator Seth MacFarlane Dating Emilia Clarke! Stupid Celebrities Gossip Stupid Celebrities Gossip News

Source: http://stupidcelebrities.net/2012/09/family-guy-creator-seth-macfarlane-dating-emilia-clarke/

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Earthquake rocks island in Alaska's Aleutian chain

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ANCHORAGE, Alaska (Reuters) - A powerful earthquake rocked one of the few inhabited islands in Alaska's Aleutian chain on Wednesday, but no damage has been found, federal and local officials said.

The magnitude 6.9 quake, centered 80 miles southwest of Adak, struck at 3:40 p.m. local time (7.40 p.m. EDT), the West Coast and Alaska Tsunami Warning Center said. No tsunami warning was issued, but scientists will monitor the area for any possible earthquake-related waves, center Director Paul Whitmore said.

In Adak, a community of about 330, "We definitely felt it," City Manager Layton Lockett said.

The building that houses city offices and the local school, engineered to withstand frequent earthquakes that strike the region, performed as designed, Lockett said.

"You could just hear the building move, and things were shaking," he said.

No damage was found, though officials were concerned about the fate of underground pipes, he said. The school, which has about 20 students, was out of session at the time.

Adak, an island city about 1,300 miles southwest of Anchorage, is a converted U.S. Navy station that once housed 6,000 people. It now operates as a port and seafood-processing center serving the North Pacific commercial fishing fleet.

Other moderate earthquakes have struck western Alaska in recent days, according to the center.

A magnitude 4.9 quake was recorded 90 miles west of the Alaska Peninsula town of Cold Bay on Tuesday. A magnitude 5.2 quake about 90 miles southwest of Kodiak was recorded on September 18.

(Editing by Cynthia Johnston and Eric Beech)

Source: http://news.yahoo.com/earthquake-rocks-island-alaskas-aleutian-chain-014645915.html

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401k calculator investment

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Finally! A little good news for a change. I was researching 401k calculator investment at work today and Ray's mom showup, and she told me she thought the photos I took of Ray were great. That's a good boost to the old ego. Even after years of doing photography, I am still not a very good judge of my own work. It's silly, as I've sold several of my photos, so I guess they are pretty good. I just never believe it.

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Wow! Here I am alone with only my thoughts. Wonder what I can think up next. Shoud it be a business? A master success plan? What? I dunno. Well, maybe it does not have to be anything at all. Or should I just share what I found today on this interesting subject ut houston school of nursing and where you, too, can find truly amazing information on it. Which got me totally distracted off the original point of doing something with my life. What will I do with my life? Will I pontificate on that forever and become nothing? Or will whatever I choose be more than satisfactory for me? Who knows. But all I know is I am asking too many questions and not getting back to that topic I was on before.

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Last night, I went to a 90th birthday party for a family member. Now to some, this may seem like a rather dull evening...unless you happen to really appreciate fine wine and excellent food. The event was held at an upscale Italian restaurant that I had not been to before. The specialty salad for the evening was probably the best salad I have ever eaten...seared tuna over a bed of spring greens and an Asian dressing. Outstanding! For the main course I had a risotto with salmon, shrimp, and calamari in a light, spicy tomato sauce. It was absolutely fabulous! In addition to the great food, I got to meet some very interesting people. I must say, the entire evening was much more interesting and fun than staying home and looking at voom satellite system sites on the internet.

First Time Buyer Mortgages Are Not As Complicated As They Seem

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Before I start explaining the main different types of first time buyer mortgages I must make it clear that whilst there are a great deal of mortgages for first time buyers, the question of which one is the one for you is an important one. In describing them I can't tell you which one is the best one for you as that all comes down to what sort of property you are looking for and what your personal financial situation is. By this I mean what your income and out-goings are and how secure they are.

Joint ownership mortgages are meant for those who buy a property in conjunction with a partner, friend or family member. The main advantage is that the deposit and costs are shared. This can make taking that first step more affordable and can even mean you can leap the first rung of the property ladder, perhaps being able to afford an extra bedroom you can rent out (tax-free up to a certain amount). One thing to take into consideration is that you will need to have an agreement stating what will happen if one of you needs to sell up (there are plenty of options). Whatever happens, that mortgage payment needs paying, and the lenders don't really care who pays it!

The shared ownership mortgage has been one of the most popular first time mortgages allowing a lower value entry point. With shared ownership you buy a proportion of the property with such as a Housing Association, paying rent to them for the portion you do not own but occupy. Buying a share of the property means the start-out deposit and mortgage are lower but you can creep up over time which is called stair-casing. Typically, shared ownership properties are new or refurbished. Make sure you know how you can sell this on and you know all the ins and outs of the contract in the event of a change of personal circumstances, particularly if you combine it with joint ownership.

Shared equity is a new-ish way of buying your first home and is the basis of one of the government schemes to help first time buyers. Allowing a small deposit and then combining a mortgage with a free or low-cost equity loan makes your first home accessible to many, but it is only available on certain new build properties which come at a premium.

The most recent of first time buyer mortgages is the mortgage indemnity product which means that in the event of you defaulting on mortgage payments, first time buyer mortgages will be partially guaranteed by the government and partially by the house builder. Unfortunately this scheme, again, is only available for new build properties.

Other first time buyer mortgages do exist, such as those using parents' savings as a guarantee or those where the lender will pay the stamp duty.

If you are thinking of taking buying your first home, seek independent advice from an independent source.

Time Isn't Always Money

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Time is the most important resource we all have. Time will run out and you can never get it back. Time is the one link between you and every person in the world. We all have 24 hours in 7 days a week to work with. If you work a steady job think about your day. Your job takes up a large portion of time 5 days a week. You are trading time for a set payment every month. Now if you calculate your cash flow (income after expenses) you can see how long it will take to get rich. It is extremely hard to get rich when your income is directly correlated to the energy you exert every day. One option is to work harder to get a promotion, raise, or new job. However, your expenses will probably increase when your title or paycheck improve. This makes saving very difficult. Why not create passive income?

Passive income is the secret to wealth. Passive income is money that your money earns you. Passive income doesn't require time to find its way to your wallet. When you can successfully detach your time away from a money system, you will eventually become rich. Sounds easy right? Well....not necessarily. In order to get a strong passive income stream, a lot of work has to be done to create passive income vehicles.

• First, you have to understand that you will work extremely hard upfront without getting paid. When creating for yourself, money doesn't come until the system is created and operating. It's a lot of work to build passive income vehicles such as real estate portfolios, stock portfolios, royalty checks, or a business.
  
• Second, you have to find the time to put in the work. The difficult part about this is each passive income vehicle is a pool with sharks swimming. The pros swim in these waters to survive. They aren't in it for extra money. If you don't put in the time to really understand what you are doing, you will get swallowed up. Time will be a challenge if you have a family and major responsibilities. A supportive spouse and family is essential in this area. Communicate with them and include them so they know that your work will pay off in the end. Being up front with your family will eliminate a lot of distractions and you can focus on the details of your endeavor.
  
• Lastly, you must be willing to walk away. Income isn't passive until your time is not attached. Building a system to run itself requires a different plan than building a system that depends on you to run it. Have an exit plan at the start and tailor all of your actions and energy into eventually walking away with consistent income.

If you study wealthy people you will notice that they all have mastered the art of creating passive income. Even if they work a business, their businesses have passive income. If you want to be wealthy, you must generate different streams of income not dependent on your time. You can only do so much in 24 hours a day. Work hard to create money that will work harder for you. This is the definition of passive income.

Obama argues against Romney's "top-down economics"

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MILWAUKEE (AP) ? President Barack Obama worked to squash GOP hopes for a resurgence of support in pivotal Wisconsin on Saturday, pushing back against his GOP rival's arguments against an overly intrusive government. Mitt Romney took precious time away from campaigning in the battleground states to troll for cash in California and kept up his criticism of the president for fostering a culture of dependency.

Obama faulted Romney for advancing a top-down economic approach that "never works."

"The country doesn't succeed when only the folks at the very top are doing well," he said. "We succeed when the middle class is doing well."

With just six weekends left before Election Day, both candidates were devoting considerable time to raising cash to continue bankrolling the deluge of ads already saturating hotly contested states.

Baseball great Hank Aaron supplied the star power at Obama's Milwaukee fundraisers.

"As one who wore the number 44 on his back for decades, I ask you to join me in helping the 44th president of the United States hit a grand slam," said Aaron.

Romney, who is expected to launch a more aggressive campaign schedule in the coming week, hunted for West Coast cash, if not votes, at a private fundraiser near San Diego and headed for another in Los Angeles. Some Republicans have grumbled that he's not spending enough time with voters in swing states, and Romney seemed to take note of that sentiment.

"I've got good news: This is the last fundraiser in San Diego," Romney told supporters. "I'm not even going to be able to go home today. We're just coming to town to see you and keep the campaign going. It's nonstop."

Romney adviser Kevin Madden said the GOP nominee would begin "a really intense battleground state schedule." The former Massachusetts governor will campaign in Colorado, Ohio and Virginia in the coming week.

With running mates Joe Biden and Paul Ryan campaigning in New England and Florida, respectively, the presidential campaign was spread far and wide ? both geographically and strategically. Biden revved up union activists poised to canvass for votes in New Hampshire while Ryan appealed to Hispanic voters in Miami and talked space policy in Orlando.

It was Obama's first visit to Wisconsin since February, and the president was intent on shoring up support in Ryan's home state. Obama's politicking included an unscheduled stop at a local deli, where he tried out some bratwurst in a pretzel roll with spicy mustard ? and managed to chat up a few patrons from Ohio, another crucial state.

Obama won Wisconsin easily in 2008 but Ryan is popular here and recent polls have Obama up by single digits. The GOP showed its organizational strength in fending off efforts to recall Republican Gov. Scott Walker, but Obama campaign manager Jim Messina said Democrats "continue to have a strategic advantage," with more field offices and political infrastructure in the state.

With absentee voting already under way in the state, first lady Michelle Obama will campaigning there next week.

Obama made the case against Romney before a crowd at the Milwaukee Theater, countering Romney's call to change Washington from the inside with an appeal to voters to help him break through partisan gridlock with pressure on Congress from the outside. He said that despite economic troubles, his administration has made progress and has made "practical and specific" proposals to create jobs.

"The choice now is do we reverse this," he said.

Romney, at his fundraiser near San Diego, said Obama was "taking Americans on a course that is extremely foreign to us."

"One would suggest that government knows better than free people," he said. "It's a pathway to become like Europe, and Europe doesn't work there. It's never going to work here. It's even possible we could be on a pathway to become California -- I don't want that either."

In advance of Obama's visit, Romney's campaign made the argument that Obama's failure to turn around the economy had Wisconsin voters looking for a different path. Walker said the president had a "Wisconsin problem." The state's 7.5 percent unemployment rate is below the national average, but its manufacturing industry has been hit hard in recent years.

The Republican National Committee released a web video, "Since You've Been Gone," highlighting recent GOP organizing efforts in the state and Walker's success in fending off recall.

Messina saw good signs all over, saying, "We're either tied or in the lead in every battleground state 45 days out. I think you will see a tightening in the national polls going forward."

Ryan, campaigning in Miami's Little Havana neighborhood, reinforced Romney's argument that Obama hasn't been able to make needed changes in Washington, poking at the president's recent comment that it's hard to change Washington from the inside without mobilizing public pressure on Congress from the outside.

"Why do we send presidents to the White House in the first place?" Ryan asked. "We send presidents to change and fix the mess in Washington, and if this president has admitted that he can't change Washington, then you know what? We need to change presidents."

He also faulted Obama for a "policy of appeasement" toward the Castro regime in Cuba, saying all the president had done was "reward more despotism."

Obama has eased restrictions to allow Americans to travel to Cuba and to let Cuban-Americans to send money to family on the island. But the president has stopped well-short of discussing lifting the 50-year-old economic embargo, which is widely viewed in Latin America as a failure and has complicated U.S. relationships in the region.

Campaign spokeswoman Jenn Psaki said the president had supported democracy movements on the island and worked to give people there more say in their futures.

In an appearance in Orlando, not far from Florida's space coast, Ryan criticized the president for putting the U.S. space program "on a path where we are conceding our global position as the unequivocal leader in space." The Obama campaign responded that Ryan has proposed deep cuts in spending for space exploration.

Underscoring the importance of grass-roots efforts in the campaign's final days, Biden rallied union workers at a Teamsters union hall in Manchester, N.H., saying their organizing work would be the "antidote" to millions spent on advertising by Republican-leaning super PACs.

Biden said it was because of unions that the U.S. has a strong middle class, and he accused Romney and Ryan of having "a completely different value set, a completely different vision."

"They're doubling down on everything that caused the economic crisis in the first place," he said.

The GOP nominee is feeling fundraising pressure: Last month, for the first time in four months, Obama and the Democratic Party raised more than Romney and the Republican Party, $114 million to $111.6 million.

___

Benac reported from Washington. Associated Press writers Jennifer Kay in Miami, Steve Peoples in San Francisco and Holly Ramer in Manchester, N.H., contributed to this report.

Source: http://news.yahoo.com/obama-argues-against-romneys-top-down-economics-215956326--election.html

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Foolproof security arrangements for medical entry test | Pakistan ...

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RAWALPINDI?-?Foolproof security arrangements have been made for the medical entry test to be held on Sunday.

The centers for the medical entry test had been established in Govt. Post Graduate College for Women Satellite Town, Govt. College for Boys Satellite Town, Siddique Public School 6th Road and Ideal Cambridge School 6th Road.

Walkthrough gates would be installed on the entry gates of each centre. Waiting halls had been established in each center for the people who would accompany the candidates, while proper drinking water facilities and sitting arrangements would be ensured for the visitors.

According to a city district government spokesman, all arrangements in this regard had already been finalized.

SSP Operation informed that the required police officials would be deployed for the security arrangements in all the centers and a comprehensive security plan had also been prepared in this connection. All roads adjoining the areas where the entry tests would be conducted would be blocked for all kinds of traffic and no vehicular traffic would be allowed to pass on these roads including the vehicles of the students and their attendants for security reasons. Special information counters would be established in each examination center where the students would be guided about their roll numbers and the seating arrangement within the center. Besides, a shuttle service would be provided to the students and their attendants to reach their respective examination centers on time.

Earlier, the Rawalpindi Commissioner Imdad Ullah Bosal had also directed the departments concerned that power generators should also be arranged for the four centers of Rawalpindi city and for the entry test center of Cadet College Hasanabadal. On the direction of the commissioner, CCTV cameras and mobile jammers had also been installed at all centers so that the entry test could be held in a transparent and peaceful way.

According to a City District Government (CDG) spokesman, the candidates from the Rawalpindi region, Chakwal and Azad Jammu and Kashmir (AJK) would appear for the entry test in the examination centers of Rawalpindi.

He said that no candidate would be allowed to take mobile phones, hand bags or any other additional items into the examination centers.

In addition, no other person would be allowed to enter in the center, except the candidates with the roll number slips.

The City Traffic Officer (CTO) Syed Ishtiaq Hussain Shah informed that special arrangements had been made in this connection. He said the traffic police officials would be deployed to regulate the traffic on the routes of the entry test centers so the candidates could reach their centers without inconvenience.

Source: http://www.pakistantoday.com.pk/2012/09/23/city/islamabad/foolproof-security-arrangements-for-medical-entry-test/

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Tools & Home Improvement Equipment: Master Lighting Guide for ...

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Master Lighting Guide for Portrait Photographers (Kindle Edition)
By Christopher Grey

Review & Description

Time-tested lighting strategies that will improve the quality of a portrait are detailed in this book for beginning photographers. Terminology used by industry pros is explained, the equipment needed to create professional results is outlined, and the unique role that each element of the lighting setup plays in the studio is explored. Photographers learn how color, direction, form, and contrast affect the final portrait. The concise text, photo examples, and lighting diagrams enable photographers to easily achieve traditional lighting styles that have been the basis of good portraiture since the advent of the art.
Time-tested lighting strategies that will improve the quality of a portrait are detailed in this book for beginning photographers. Terminology used by industry pros is explained, the equipment needed to create professional results is outlined, and the unique role that each element of the lighting setup plays in the studio is explored. Photographers learn how color, direction, form, and contrast affect the final portrait. The concise text, photo examples, and lighting diagrams enable photographers to easily achieve traditional lighting styles that have been the basis of good portraiture since the advent of the art.
Read more

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Source: http://tools-home-improvement-equipment.blogspot.com/2012/09/master-lighting-guide-for-portrait.html

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Source: http://karissa-wisteria.blogspot.com/2012/09/tools-home-improvement-equipment-master.html

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Torii Hunter Jr. Commits to Notre Dame to Play Football, Baseball for Irish

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Source: bleacherreport.com --- Sunday, September 23, 2012
Torii Hunter, Jr., the son of Los Angeles Angels outfielder Torii Hunter, will be taking his talents to Notre Dame to play college football and Baseball with the Irish, according to a tweet from the elder Hunter on Sunday .? Congrats to my son @ thunterjr for his commitment to Notre Dame to play football and Baseball. # proudpapa ? Torii Hunter (@toriihunter48) Sept. 23, 2012 My first reaction to hearing that news was, Torii Hunter is old enough to have a son in college? Sure enough, he is 37 years old and has been playing in the big leagues full time since 1999.? According to Rivals.com , Hunter Jr. is a 4-star wide receiver. He is listed at 6'0", 172 pounds and had his official visit to the campus on Friday, Sept. 21.? Jake Brown of Irish Illustrated spoke with Hunter about his recruitment before he went to South Bend this weekend as well as the academic side of things at Notre Dame.? "When I went up there the first time it was pretty in detail about the education and everything," Hunter said. "As far as education and the academic side of it, I've got a good idea about that. I just really want to see the game day atmosphere and everything the second time around." Hunter Jr. also is a legitimate prospect in Baseball, which is why he will be playing both sports at Notre Dame. According to PerfectGame .org , Hunter Jr. is loaded with tools, which is not a surprise given his pedigree and that he also plays football. Hunter Jr. will ...

Source: http://bleacherreport.com/articles/1344821-torii-hunter-jr-commits-to-notre-dame-to-play-football-baseball-for-irish

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Family Fun in Sydney: Baby & Toddler Show (Darling Harbour ...

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If you are planning a family, already expecting or have young kids, visit the Baby & Toddler Show from the 28th to 30th of September for the parenting event of the year! Find great advice & information on pregnancy & parenting, discover the latest products & services related to pregnancy, babies & children, all under one roof! Plus there are free entertainment, great shopping offers and informative seminars.

Some show highlights include:

. Seminars on the Main Stage by parenting gurus including sleep & settling expert Pinky McKay and Angharad Candlin, an expert on toddler behaviour.

. Advice Hub where you can get free, confidential, one-to-one advice for your pregnancy, baby and toddler from parenting professionals.

. Volvo Safety Centre where you can learn more about about driving during pregnancy and child safety in cars.

. Fisher Price Playground has all the latest toys on the market and some traditional favourites for your children to try out.

. Baby?s Got Style Fashion Alley is the ultimate shopping experience for the fashion conscious mother & expectant mums with boutique fashion brands such as Jellystone Designs, Maternity on Mooki, Seedling, Baby Dino and more.

. Test drive a whole range of pram brands at the unique, purpose-built Pram Trial Track so that you can buy one that is just right for you and baby.

. Entertainment for kids including daily live shows by Peppa Pig from ABC1 & ABC2, face painting, balloons, roaming characters and Meet & Greet photo opportunites with Peppa Pig and Cheer Bear Care Bear.

. Handmade Market has beautiful, hand made products for your home, baby or toddler.

. Natural World where you can check out some of the best natural and eco-friendly products on the market today ranging from organic cotton toys, environmentally conscious sleepwear to unique & sustainable health products for your home.

To check out the full entertainment schedule, go to this link:
http://www.babyandtoddlershow.com.au/sydney/syd_show_schedule

____________________________________________

DATE: Friday to Sunday, 28th to 30th of September 2012

TIME: 9.30am to 4pm

VENUE: Halls 1 & 2, Sydney Convention and Exhibition Centre, Darling Harbour, Sydney.

LOCATION MAP: Click here

GETTING THERE: For info on how to get there, go to this useful link: http://www.scec.com.au/Visit/How-to-get-to-the-Centre/. If driving, you might also like to get parking info here: http://www.scec.com.au/Visit/Parking/

ENTRY FEE: $20 per person, children under 16 free. If you purchase the tickets online before 28th of September, you can get single tickets for $15 (save $5) or double tickets for $25 (save $15). Tickets can be purchased online here: http://www.smetickets.com.au/orderpps.php?show=syn

MORE INFO: Call (02) 9331 7507 or check their website: http://www.babyandtoddlershow.com.au/sydney

Image credit: http://www.babyandtoddlershow.com.au/

Source: http://familyfunsydney.blogspot.com/2012/09/baby-toddler-show-darling-harbour-28th.html

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Qualified plans require 20% IRS income tax withholding on distributions. - Finance

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These dollars are separated in a qualified plan from pre-tax money and generally can be distributed separately. Beneficiary designation options. Determine if you're eligibleYou will need to first find out whether your employer-sponsored plan allows you to take in-service distributions. When you eventually sell shares of your employer stock, you will be subject to long-term capital gains taxes on the Net Unrealized Appreciation (NUA). IRAs may allow you to name single or multiple beneficiaries, as well as name a trust as beneficiary. They also can allow you to set beneficiary payouts and the like. This usually is a good strategy when you have highly appreciated employer stock in your qualified plan. Roth IRA conversionsStarting January 1st, 2010, you are eligible to convert your traditional IRAs and your employer-sponsored plan funds to a Roth IRA regardless of you adjusted gross income. Unlimited control. IRAs, on the other hand, provide the universe of investments at your fingertips so that you can essentially diversify your holding and positions across any asset class. Investment diversification. Most employer-sponsored plans have limited investment options to choose from which can inhibit your portfolio's performance. Since qualified plans are not management by professional money managers, participants are not charged some of the fees and expenses that they may potentially apply in an IRA such as mutual fund loads, commissions, and trading fees within the account. Many don't know this, but if you are currently participating in an employer-sponsored retirement plan such as your 401(k) plan, you may not have to keep all your retirement savings locked in the employer plan and wait until you change jobs or retire to rollover your funds into an IRA. Some qualified plans allow you to contribute after-tax dollars into the plan. There are many benefits to an in-service distribution. If an in-service distribution makes sense, contact your 401(k) pl an administrator to see how much of your retirement savings are eligible to be rolled over, and make the request for the rollover. Creditor protection. You will have more control over your retirement assets and you'll be able to manage them before you choose to retire or switch jobs. Fees and ira distribution calculator expenses. Credit: Chas.Income tax 401k annuity withholding. Rollover your after-tax dollars to a Roth IRASome qualified plan participants can take advantage of special opportunities to convert their after-tax dollars directly into a Roth IRA tax free. In contrast, with an IRA, you typically can't start taking distributions without penalty until age 59 1/2 (exceptions may apply). Move your assets to a professional money managerIf your employer-sponsored plan allows you to opt for in-service distributions, talk with your financial advisor to decide if the advantages outweigh the drawbacks. With employer-sponsored plans, such as your 401(k), participants can sto p working at age 55 or older and can take distributions without being charged the 10% early withdrawal penalty. Converting you employer-sponsored plan retirement assets to a Roth IRA can give you the advantage of receiving tax-free distributions in the future. After-tax dollars. The terms of your retirement plan should tell you specific eligibility requirements, which can vary widely across different plans, so review your plan documents to find out if you can opt for in-service distributions.

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