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Wednesday, July 18, 2012
Is This Rooftop Dining Set the Worst Design Idea Ever? [Chatroom]
Why are MAC computers so much more money ... - Technology News
Question by Allyson D: Why are MAC computers so much more money then regular ones? What makes them any different?
I have always wanted to get a MAC computer, but they are just too much money for a computer. I have found some laptops that have the same qualities, but the MAC is almost twice the price. Can anyone tell me why this is?
Best answer:
Answer by Michele C
My macs have NEVER BROKEN. Two of my husband?s XP windows machines fried their MOTHERBOARDS.
Fixing those machines is EXPENSIVE. Not a deal at HALF THE PRICE that is why I love my macs.
Add your own answer in the comments!
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Tuesday, July 17, 2012
Would You Give This Small Business a Bank Loan? - NYTimes.com
In our culture, access to credit is often considered a right or an entitlement. And the big bad banks are often blamed for not helping small businesses. In my opinion, the big banks often deserve that criticism ? but not always.
At MultiFunding, we hear all kinds of interesting stories from small-business owners. Typically, when businesses have trouble raising capital, it takes some work to figure out what the real issues are. Many times, the small-business owners have wasted months trying to solve their problems with the wrong lenders. Other times, the business has a serious issue that makes it all but impossible to finance. In these instances, the banks have good reasons not to lend.
Here?s an example: A hairdresser recently called us to ask for help in getting a loan. She was exhausted, at her wits? end and angry at the bank. She explained that she owned the studio where she worked and that her mortgage loan was coming up for renewal. While she had a lot of equity in her property, she said, the lenders she approached expressed concern because she had a one-woman shop ? and they said they considered this deal too risky for them.
Judging just from those facts, my initial reaction was that if there really was value in her property and if she was current on all of her payments, we would probably be able to help her. I was confident that we could find a Small Business Administration lender that would be interested in giving her a loan. After all, if everything went bad, the lender would end up with a property that was worth about twice the value of the loan.
Once we dug deeper, however, we learned some things about the borrower that created problems. First of all, she was on payment plans with three government entities. This immediately knocked her out of the running for an S.B.A. loan ? you have to be current on all of your taxes before you can benefit from an S.B.A. guarantee. We can sometimes solve this situation by paying off the back taxes with a six- or 12-month merchant cash advance loan before the borrower gets the S.B.A. loan. But in this case the back taxes were too large, more than she could borrow on this kind of loan.
The hairdresser?s second problem was that she had called her mortgage company a few months earlier and explained that she was having a tough time. She asked the company if she could make interest-only payments for a while. This was an honorable thing to do, but it is likely to give any potential new lender pause. And that was now an issue.
The hairdresser did have some options. For example, she might qualify for a ?hard money? real estate loan ? a bridge loan in which the lender takes five points upfront and then charges 12 to 14 percent interest for one year until the borrower can refinance through a more traditional source. While this might be her most appealing option, it would come with significant risk ? the interest payments alone could destroy her business. As an alternative, she could sell?the building, pay off the current note holder, and take the cash. If she took this approach, she would lose the tax advantages of owning her property, but at least she could focus on running her shop and generating cash flow.
If, instead, she decided she wanted to keep her building and eventually find a way to refinance the mortgage, she would need to increase her revenue quickly ? most likely by adding other hairdressers with existing books of business. At that moment, she was simply trying to do too much on her own.
If you are facing a capital crisis in your own business or you see one coming in the near future, I suggest that you try to take two steps back and try to understand what is causing the problem. It is easy to point fingers and blame the big bad bankers, but there is often another root to the problem. And unless you identify it and solve it, your finance problems will only become worse.
Ami Kassar founded MultiFunding, which is based near Philadelphia and helps small businesses find the right sources of financing for their companies.
Source: http://boss.blogs.nytimes.com/2012/07/17/would-you-give-this-small-business-a-bank-loan/
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TweetDeck version 1.5 arrives with columns, lots of columns (video)
Version 1.5 of TweetDeck has arrived, with a heavy emphasis on ensuring you can navigate those columns easily. The update adds arrow buttons, a horizontal scroll bar and gesture support if your trackpad is similarly enabled. There's also a new action button appended to each tweet, which will give you all the powers of the web version in a single click, ensuring you can follow (or otherwise) anyone who catches your eye in an instant. It's available right now for Windows, OS X, online and as a Chrome app -- there's even an informative video available after the break.
Continue reading TweetDeck version 1.5 arrives with columns, lots of columns (video)
Filed under: Internet, Software
TweetDeck version 1.5 arrives with columns, lots of columns (video) originally appeared on Engadget on Tue, 17 Jul 2012 19:23:00 EDT. Please see our terms for use of feeds.
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Work at Home Mom Resources: WAH: Freelance Writing Jobs at ...
Sylvane.com is looking to hire freelance writers to join their team. These are 100% freelance positions, and you should be comfortable coming up with your own ideas for articles.
What Topics You Will Write About:
Topics and categories will include: indoor air quality, airborne allergies & asthma, green living, DIY home improvement projects (involving any air systems - air purification, dehumidification, heating, air conditioning, etc), and energy efficiency within the home.
What They Are Looking For In Writers:
You have an original and clear blogging voice You have 2 years of experience writing or blogging professionallyYou are passionate about any of the following: respiratory health (airborne allergies, asthma), energy efficiency, DIY home improvement, or heating and air conditioning related topics
You have an ability to produce quality, engaging content, creative headlines, and snappy titles
You LOVE grammar, and you involuntarily cringe when you see "your" used in place of "you're"
You must have at least 3 links to high quality published work.
"We're specifically searching for bloggers and publicity experts that have experience with guest posting on popular blogs and publishing their articles on popular content sites with multiple contributing authors (freelance sites, ad revenue sharing sites, etc). We're looking for authors who are already contributing their own content, and we?re going to pay you extra for the articles you?re already writing."
About Getting Paid:
These are ongoing paid freelance positions. Exact payment terms are not provided.Want to Apply?
Send an information-packed paragraph describing yourself along with 3-5 links to your best published work, and list 3 blogs or content sites on which you could publish articles to create publicity for us. Also if applicable, include links to one or two of your social profiles (Twitter, StumbleUpon, etc).?
Email above to:? jobs@sylvane.com.Please do not send resumes or generic cover letters.?
Good Luck!
Source: http://notesfromawannabewahm.blogspot.com/2012/07/wah-freelance-writing-jobs-at.html
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Monday, July 16, 2012
Battle brews over Trayvon Martin memorial
Roberto Gonzalez / Getty Images file
Raphael Cuevas, left, and Jashua Castro stop on March 20 at a memorial to Trayvon Martin outside The Retreat at Twin Lakes community where Martin was shot by George Zimmerman.
By Lisa Lampkin and Jamie Novogrod, NBC News
SANFORD, Fla. -- A battle is quietly brewing here?over the possibility of a new, permanent memorial to Trayvon Martin.
Last week, city officials took down curbside memorial items that had been sitting for months outside the Retreat at Twin Lakes subdivision,?where 17-year-old Martin was shot by George Zimmerman the night of Feb. 26.
The removal of the memorial angered some advocates for Martin's family, and apparently sparked discussion about remedies, including a permanent memorial.
While it's unclear where things stand ? city officials say discussions about a permanent memorial are only beginning ? opponents are already girding for a fight.
A group called the United Sanford Alliance has created a petition opposing a permanent memorial.? Frank Taaffe, a friend and neighbor of Zimmerman, said by phone Sunday he plans to go to residents in the subdivision to ask for signatures.
Trayvon Martin family upset over moving of curbside memorial
"It's extremely unpalatable to the majority of residents," Taaffe said of a new memorial, adding, "it's disdainful because we don't know yet who the victim was and who the aggressor was."
Several city officials, including a spokesperson for Sanford City Hall, said Sunday that a permanent memorial is in discussion phase only.
More NBCNews.com coverage of the Trayvon Martin shooting death?
City Manager Norton Bonaparte Jr. met last week with the citizens group responsible for the original memorial, the Concerned Citizens of Sanford. ?
Officials say nothing regarding a new memorial was decided.
Reached by telephone, a member of the group, Francis Oliver, said a permanent memorial was one of several ideas discussed during the meeting.? Another idea, she said, was a less elaborate cross outside the subdivision.
Asked to respond to the petition opposing construction of a memorial, Oliver said Taaffe?s assertion that it?s not clear who the victim was on the night of February 26th is beside the point.
?We know who?s dead, don?t we?? Oliver said.
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?Memorials are for the dead, not the living,? she added.??This was a young life.?
Oliver?s group, Concerned Citizens of Sanford, said neither its members nor Martin's family approved the city's decision to remove the original memorial last Monday.
According to an FBI report investigating whether race was a factor in the shooting of unarmed teen Trayvon Martin, none of the dozens of people the FBI interviewed said shooter George Zimmerman is a racist. NBC's Kerry Sanders reports.
But in a news release, the city said it reached its decision to remove the memorial "after communicating with representatives of Trayvon Martin?s family."
Late last week, a new makeshift memorial -- a wreath and a photograph of Martin with the message "Justice for Trayvon" superimposed on it -- went up outside the Retreat at Twin Lakes Subdivision.
A spokesperson for the Concerned Citizens of Sanford told the NBC News website The Grio that the group did not put it up.
The original memorial items,?a cross or two, flowers, and a message to remember his life,?are being stored at the Sanford city museum.
Zimmerman, a Sanford neighborhood watch volunteer, is charged with second-degree murder in Martin?s death. He says he shot the unarmed black teen in self-defense after Martin punched him and knocked his head against the pavement. Zimmerman has pleaded not guilty and?is free on $1 million bond.
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Scottish Ford Live Show and Hot Hatch
- What's On
- Scottish Ford Live Show and Hot Hatch
The atmosphere is always friendly and with all the on and off track action there is plenty to keep everyone entertained.
Car Trackday Driving: Along with spectating, those of you who wish to have a go at a car trackday are more than welcome to attend. Places are limited and advanced booking is recommended.
Published by: Fife Council
Times & Venues
| Location | Date | Time |
|---|---|---|
| Knockhill Racing Circuit, By Saline, Dunfermline, KY12 9TF | Sunday 15 July 2012 | 9:00 - 10:00 |
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