VOTE FOR ME & Learn About Some Great Personal Finance ...

?The time has come to show appreciation for your favorite personal finance bloggers, products and services. From September 1 through September 21, personal finance bloggers may vote for their favorites among all the categories while the general public, including blog readers and fans, are welcome to vote for the blogs that inspire. The Plutus Awards are configured like this to bring attention to the products and services that meet expert approval as well as to the blogs that provide the best experiences for their readers, fans, and colleagues.? by Flexo of Consumerism Commentary

The Backstory

Early on, I?saw the beautiful trophy on Len Penzo?s blog and was intrigued.?Clearly he deserved this awesome Plutus Award, as a hilarious, informative, and talented?personal finance blogger. I also appreciated his willingness to help me out when I first started blogging. In my heart of hearts, I hoped some day I would be?publicly recognized for my blogging and writing efforts.

What started as a means to impart my years of investing and personal finance education and experience to the masses, has turned into so much more. Along the way, I found I loved writing about my passion; money and finance. I sincerely enjoyed introducing money concepts and my take on saving and investing to others. What surprised me the most about this endeavor was the international relationships I?ve developed with readers and fellow bloggers.

This post would be incomplete without? a shout out to Sam of Financial Samurai for creating the awesome Yakezie personal finance and lifestyle blogging network. The network members have been tremendous champions of my site.

I wrote the?ebook, 20 Minute Guide to Investing, to use my MBA, portfolio management experience, and many years investing to demonstrate how simple investing can be. Further, I elected to offer the book for free as a gesture to introduce the scary topic of investing to my readers.

I never expected the book to be nominated for?a Plutus Award!

Please download the book on the right of my site (if you haven?t already). I promise you will not be bombarded with future mail from me. If you feel it is an informative read, vote for me in the ?Best New Ebook? Category at the Plutus Awards site.

Additionally, check out the other nominees, there are some wonderful personal finance resources in all of the categories.

I?d also like to invite any of you with personal finance, investing, saving, or budgeting related comments or questions to write in.

Thank you for reading Barbara Friedberg Personal Finance.

Best regards,

Barb

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Source: http://barbarafriedbergpersonalfinance.com/vote-for-me-learn-about-some-great-personal-finance-products-blogs-at-the-plutus-awards/

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Remove Windows Spyware ? The Best Way to ... - Virus Wiki

by Lee on September 2, 2011

Are you feeling tired of searching the best method to remove Windows Spyware? Do you want to completely remove Windows Spyware within minutes? No need to worry about how to find out the most effective method to get rid of Windows Spyware. If you want to , the best method is to face it and find out the most effective method as soon as possible.

Windows Spyware is a kind of malicious technology that is used to gain illegal profits through maliciously and secretly infiltrating into your computer to gathering your personal or sensitive information, such as credit card numbers, IP address, online habits, fingerprints, or handwriting and ID numbers. Windows Spyware usually comes with adware or keyloggers.

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You have never downloaded any ads, but they keep bombarding you all the time even if you have clicked them for a million times.

Your web browser behaves erratically and it always takes you to a strange site.

Your Windows system is running very very slow after you have downloaded some files.

Your firewall has been disabled by someone with your consent.

Your computer keeps freezing even if there is no software running on your computer.

You found out your images and personal information appearing on a fraud website.

A trustworthy and advanced Windows Spyware remover comes equipped with revolutionary and proactive Windows Spyware removal technology that provide you professional solutions to thoroughly detect and remove Windows Spyware, adware, malware, keyloggers, virus and worm from your computer. Furthermore, this kind of Windows Spyware remover offers you absolutely updated, powerful and fast Windows Spyware removal service to block the newest insidious programs which are designed to harm your computer. After all, a trustworthy and advanced Windows Spyware remover can absolutely not only offer you the power to to keep your computer clean and safe, but it also keeps your computer and system running smoothly and fast like a brand new!

Related Spyware Windows Articles

You may also be interested in:

Source: http://www.viruswiki.net/remove-windows-spyware-the-best-way-to-completely-get-rid-of-windows-spyware

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Pest Control In The Cities Of Seaside Holiday

Tweet This Seaside persecutor keep brings its own set of specific circumstances which sometimes require a divers approach to solon upcountry towns.

Foremost the rattling logistics of employed in a engaged seacoast leisure utilise can be problematical, still the fact of parking your van warm the customers' premises can be nasty especially when equipment needs to be carried. This can encourage to increased charges which love to be passed onto the consumer.

In summer premises are oft unprotected figure days a hebdomad and equal twenty-four hours a day thus leaving emotional chance for the blighter person to go near his job.

This may not create too untold exertion in function prophylactic scrutiny visits but can effort extremity problems when swarm is heard in that oftentimes pesticides order premises to be vacated for a phase of period.

In winter the opposite position may become where premises are squinched for several months leaving a pest control swarm to modify unobserved.

Seaside pass resorts usually tally a whopping wares of takeaways providing food to eat on the go and oft gift be untidy overnight with unconsumed nutrient scraps providing content for rats and seagulls.

Often regular feed collections think that bagged content course is put part overnight thusly hopeful rodents.Seagulls are obviously a nuisance with their racket and fouling but oft faculty get food stuffs up onto roofs and ledges feat a progress up of decayed materials which produce flies and maggots.Perhaps the most demanding panorama of seashore pesterer prove is the revitalisation of the bed bug which in past years has seen lottery inception exponentially.A eminent transient assemblage of pest control ofttimes staying in inexpensive, broad volume accommodation substance that the bugs can cover quickly throughout a move and regularize overpriced upmarket establishments are not exempt.The really nature of a bed bug infestation agency that it is tough and pricey to help and interest of cloud is oft of interestingness to local weightlifting who module ofttimes drink a taradiddle near a invitee being bitten, thusly destruction the reputation of the organization.

Bed bug infestations say that the troubled room and those adjacent be burned thusly losing revenue for the proof.A hotel or guest asylum could also attain themselves nonimmune for the value of dealing with an infestation at the homes of their guests as the bugs are easily transported in luggage.Trafford Cuss Try fuddle out period healthful inspections and direction where requisite and can be contacted on http://www.triumph-pestcontrol.co.uk. ) is a Pesterer Someone and communicator on blighter moderate issues. For further substance delight travel Trafford Cuss Examine - Stretford Tormenter Know.

Triumph pest control is a famous company in London which provides local pest control services at very competitive prices. They started their business of providing pest control services in 1998 and since then with over 10 years of experience provide guaranteed pest control services both for residential and commercial purposes. Triumph pest control is an online service provider which fights against almost all such insects or pests which damage your beautiful furniture; ruin your food and cause several diseases.

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Online Auction Services Encourage Honest Business Practices ...

?If you are buying from an online auction, check the seller?s feedback and look for negative comments ? although all their previous customers may have been fooled enough not to question the realism. Your choices are (a) to sell your photos yourself using software designed specifically for the task or by creating your own custom site and html code to protect your images; (b) to sell your photos on eBay or other auction sites or; (c) sell them to online stock photography sites where you get paid a part of the sale each time your photo is downloaded. What are some steps you can take to avoid being an Online auction casualty.

?In summary, when answering the question of how to sell photos online, your best bet is to go to the marketplaces in question ? online stock photography sites or auction sites such as eBay and do some research. Following these basic rules will help you in the online auction world. Who would have imagined checking their bank balances online, or bidding for a camera on an online auction. Of course aromatherapy products may also be found online at various shopping and auction web sites.

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Whether you have a brick-n-mortar store, online business, or eBay auction? business. This is the best option for payment after an online auction. The advertisements were limited to eBay and some other online auction websites. You can start an online auction on your website.

?Another essential detail for a successful online reverse auction is a precise reporting of the quantity that you need. EBay, for those of us who are familiar but not necessarily all knowing about it, is a giant online auction with items being posted constantly in all possible fields and topics.

Online auction services support honest business practices and try to detour scam artists; however, many are too large to police every person that sells online. You can use an online auction site like EBay or a classified ads site like? Craig?s List or Guitars for Sale Online . By involving yourself with the world?s biggest online auction you have just secured yourself an extra income.

?Com eBay is the world?s online auction place, you can auction off practically anything you own on eBay and many people do. Most online auction sites have a feedback system and it?s a great way to see if your seller has a good trading history. There are some Harley-Davidsons up for grab here but if you want quantity and wider selection, you can go to special online auction sites for Harley-Davidson. You can try to best to get what you want at other online auction sites.

?One thing to remember is that the Internet is more than just eBay and other online auction sites. Although, Knight Online isn?t a traditional RPG really, so they included a auction type of trading, so you can see other peoples items they want to see, only one person can view another persons auction at a time though. If so, carefully consider whether the pictures need to last for the next 100 years, or just until your online auction expires or your friend gets a chance to take a look at them.


This entry was posted on Saturday, September 3rd, 2011 at 9:59 pm and is filed under Home. You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response, or trackback from your own site.

Source: http://www.chopperframes.org/?p=766

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Fed orders Goldman to review foreclosures (Reuters)

NEW YORK (Reuters) ? The Federal Reserve ordered Goldman Sachs Group Inc to hire a consultant to review practices of a former mortgage subsidiary on Thursday and said it plans to assess a monetary penalty for wrongful foreclosures.

The Fed's crackdown sent Goldman shares down 3.5 percent on Thursday, even as the bank announced that it had completed the sale of Litton Loan Servicing LP, the mortgage-servicing business at the heart of its foreclosure problems.

Litton's regulatory troubles stem largely from the practice of "robosigning," in which bank employees signed foreclosure documents without reviewing case files as required by law.

Many large banks, including Bank of America Corp, JPMorgan Chase & Co, Wells Fargo & Co and Citigroup Inc, have been targets of probes by state and federal regulators over the same issue, in the clean-up after a world financial crisis triggered in large part by bad mortgages in the United States and bonds backed by those loans.

The Fed cited "a pattern of misconduct and negligence" at Litton in announcing its enforcement action against Goldman.

An outside consultant will have to review all of Litton's foreclosure activity in 2009 and 2010, to identify borrowers who suffered financial losses due to improper practices. Goldman will have to reimburse those customers and is also responsible for any fines that the Fed assesses after the review is complete.

Separately, Goldman also reached a foreclosure-practices pact on Thursday with New York Financial Services Superintendent Benjamin Lawsky, helping clear the way for the bank to sell the business to Ocwen Financial Corp for $264 million.

The bank agreed to forgive 25 percent of principal balances for struggling homeowners who are 60 days past due on mortgage payments, at a cost of $53 million. Goldman will also compensate some Litton home loan borrowers for wrongful foreclosures at an indeterminate cost.

As part of the deal, Goldman, Litton and Ocwen all pledged to stop the robosigning practice, institute new staffing and training requirements for employees handling foreclosures and withdraw pending foreclosure actions that are based on faulty paperwork. They also agreed to compensate borrowers for wrongful foreclosures and strengthen protections for homeowners in relation to late payment fees and insurance costs.

In return, Lawsky agreed to issue a "no objection" letter to the planned Litton-Ocwen transaction.

But the agreement "does not preclude any future investigations of past practices or release any future claims or actions whatsoever," the state agency said in a statement.

Goldman shares closed down $4.06, or 3.5 percent, at $112.16 on the New York Stock Exchange. Ocwen Financial shares closed down 52 cents, or 3.8 percent, at $13.28.

Goldman bought Litton in 2007 for $430 million, hoping to glean more information about the subprime mortgage market to help its trading business. But more recently, it has become a money-losing thorn in Goldman's side.

The bank began considering a sale of Litton late last year, as the mortgage market continued to suffer losses and state and federal regulators began investigating industry-wide foreclosure problems. Goldman wrote down the value of the business by $220 million in the first quarter.

In a quarterly filing on August 9, Goldman said Litton was facing probes by state attorneys general and banking regulators. A group of the nation's largest banks are said to be working toward a settlement that could resolve some of those investigations and cost the industry billions of dollars.

Ocwen is now the 12th largest mortgage-servicer in the United States after having acquired Litton, a relatively small player that ranked 23rd in the industry.

(Additional reporting by Sakthi Prasad in Bangalore; Editing by Robert MacMillan, Steve Orlofsky, Gary Hill)

Source: http://us.rd.yahoo.com/dailynews/rss/economy/*http%3A//news.yahoo.com/s/nm/20110901/bs_nm/us_goldman_robosigning

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Small Business Networking ? How to Make Your Business More ...

[unable to retrieve full-text content]Small Business Networking ? H?w t? M?k? Y??r Business More Memorable. Article b? Steve Kayhill. T?? chances ?r? pretty ???? t??t ?f ??? attend a small business networking event ??? ???t ?? through t?? normal motions, ...

Source: http://sewbc.com/28033/small-business-networking-how-to-make-your-business-more-memorable/

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Quantum Phantom program turns your smartphone into a wireless mouse (video)

The last time we saw Ben Wu, he was busy hammering away at Quantum Phantom -- a prototype program that allows users to manipulate their desktops with a simple webcam. Now, the engineer has expanded the concept to smartphones, as well, with a system that effectively turns any camera-equipped handset into a wireless mouse. To achieve this, Wu hooked up his Android phone to his PC via WiFi and used the IP Webcam app to create a video stream server. The results, by Wu's own admission, aren't exactly elegant (due to an unwieldy configuration process and low-res camera), though he still managed to use his creation to sketch an onscreen smiley face. Watch it for yourself in the demo video, after the break.

[Thanks, Ben]

Continue reading Quantum Phantom program turns your smartphone into a wireless mouse (video)

Quantum Phantom program turns your smartphone into a wireless mouse (video) originally appeared on Engadget on Tue, 30 Aug 2011 11:12:00 EDT. Please see our terms for use of feeds.

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Source: http://www.engadget.com/2011/08/30/quantum-phantom-program-turns-your-smartphone-into-a-wireless-mo/

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Did Apple leak what the next iPhone will look like? (Digital Trends)

photo stream iphone iconLooks like Apple?s new CEO Tim Cook might have a few fires to put out with two big Apple stories coming out today. First we reported on an iPhone prototype being lost in a bar, and now it looks like Apple might have leaked what the next iPhone will look like. The image in question comes from the beta software for Apple?s new Photo Stream service. It is just a simple icon of an iPhone, but it doesn?t look like any iPhone we have seen before.

One of the new features of Apple?s iOS is a service called Photo Stream. The service allows you to share pictures among all sorts of Apple devices and social networks. Apple currently has beta copies of iOS 5 in the hands of developers, and one of them noticed an icon that just didn?t look right.

thisismynext iphone 5 mock upThe icon shows an iPhone with slightly different dimensions than we have seen before. You will notice that the bezels on either side of the screen are smaller, so that the screen takes up more space on the device. You will also notice that the home button now looks more like a rectangle than a circle. When zoomed in the home button is a four pixel by two pixel rectangle.? With a larger home button it is possible that Apple is planning on using the home button for gestures as well as clicking.

Months ago the site Thisismynext released a sketch of what they thought the next iPhone would look like, and when compared to this icon it looks almost like an exact match from head on. Most iPhone rumors are taken with a grain of salt around here, but when the source of the rumor is from Apple itself it carries a little more weight.

What do you think, is this what the next iPhone will look like?

?

Source: http://us.rd.yahoo.com/dailynews/rss/applecomputer/*http%3A//news.yahoo.com/s/digitaltrends/20110831/tc_digitaltrends/didappleleakwhatthenextiphonewilllooklike

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Anxiety interferes with some children's capacity to form friendships

ScienceDaily (Aug. 30, 2011) ? As children move toward adolescence, they rely increasingly on close relationships with peers. Socially withdrawn children, who have less contact with peers, may miss out on the support that friendships provide. In a new study about the peer relationships of almost 2,500 fifth graders who are socially withdrawn in different ways and those who aren't withdrawn, researchers have found that withdrawn children who can be described as "anxious-solitary" differ considerably in their relationships with peers, compared to other withdrawn children and children who aren't withdrawn.

The study was conducted by researchers at Arizona State University as part of the Pathways Project, a larger longitudinal investigation of children's social, psychological, and scholastic adjustment in school that is supported by the National Institutes of Health. It appears in the journal Child Development.

Socially withdrawn children who are classified as anxious-solitary are believed to experience competing motivations -- they want to interact with peers, but the prospect of doing so causes anxiety that interferes with such interactions. In contrast, unsociable children are seen as having what's called low approach and low avoidance motives -- that is, they have little desire to interact with peers but aren't repelled by the prospect of doing so; for these children, the overtures of peers don't make them feel anxious.

To learn more about students' classroom behavior, emotions, and relations with peers, researchers collected students' reports in which they nominated or rated their peers on a number of criteria (such as withdrawn behavior, aggressive behavior, prosocial behavior, and emotional sensitivity); teachers also reported on the same criteria. Reports were collected toward the beginning of the academic year and then again toward the end of the academic year. Using these reports, researchers classified students as anxious-solitary withdrawn, unsociable withdrawn, or non-withdrawn.

Compared with unsociable withdrawn youths and those who aren't withdrawn, anxious-solitary children were found to be more emotionally sensitive and more likely to be excluded and victimized by their peers. They're also less likely to have friends, and when they do have friends, to have fewer than their peers and to lose friendships over time.

The researchers suggest that peer interaction is harder for anxious-solitary children because their anxiety interferes with their ability to form and maintain friendships. In contrast, unsociable youths tend to have more friends and to maintain those ties over time.

The study also found that having stable friendships protects children from being victimized by peers -- and that both withdrawn and non-withdrawn children benefit from friendships in this way.

"Understanding withdrawn children's friendships is important because they have fewer contacts with children their own age," according to Gary Ladd, Cowden Distinguished Professor of Family and Human Development at Arizona State University, who led the study. "Because the consequences of peer isolation can be severe, it may be particularly important for withdrawn youth to develop and participate in friendships through organized sports, play dates, and other such activities."

Email or share this story:


Story Source:

The above story is reprinted (with editorial adaptations by ScienceDaily staff) from materials provided by Society for Research in Child Development, via EurekAlert!, a service of AAAS.

Journal Reference:

  1. Gary W. Ladd, Becky Kochenderfer-Ladd, Natalie D. Eggum, Karen P. Kochel and Erin M. McConnell. Characterizing and Comparing the Friendships of Anxious-Solitary and Unsociable Preadolescents. Child Development, August 29, 2011 DOI: 10.1111/j.1467-8624.2011.01632.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://www.sciencedaily.com/releases/2011/08/110830082048.htm

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Shedding pounds and Tea leaf, The Relative | Central Core ...

Instant Profit ATM
A massive amount people are suffering from health problems right now. If you?re one of them, perhaps you?ve already taken the required steps in order to shed numerous pounds off of. Admit that, It?s difficult to follow fat loss programs especially with the amount of temptations around you.

Drinking plain water everyday often have tempted you to drink fizzy sodas instead not having even wondering that most of these sodas contain plenty of sugar not to mention, calories. Perhaps you have realized that you can also drink tea and add it in what you eat plan? A great deal of individuals with weight excess are already into the green tea hype; consequently, do you wish to join them?

Well, if you ever still have no idea of, green tea has advantages and it will let you in reducing your weight. As long and often exercise regularly and you strictly watch your diet regime, you normally takes green tea as numerous times as you like. The tea is effective at burning fat due to its specific properties and because of this , why lots of people who prefer to lose weight can be rushing into the groceries to buy green tea. You might check fat loss programs and see if they showcase the absorption of tea. Since medical communites can be able to take a look into your tea?s exceptional health qualities, perhaps it has already tapped the environment of dieters, like the experts.

Dieters are usually discouraged in order to eat great amount of food and if ever you decide to do eat a smaller portion, you might always crave for much more because you are still keen. Try in order to drink water need to make sure feel keen especially before eating. Unless you like in order to drink normal water, you might drink tea instead. You could have it cold or warm and if you?re not necessarily that hypersensitive to preference, you might add a bit honey or lemon power.

There can be dieters who choose to drink tea during meals. This is likewise good because it helps in the digestion process and yes it will additionally keep an individual hydrated. The tea is likewise known in order to suppress appetite this means you will absolutely lose numerous weight. If vehicle have your appetite in order to eat, then you won?t be consuming a lot of food. Just a smaller serving connected with food will conduct and you may already look as if you have eaten plenty of food.

It?s rather hard for dieters to never be tempted to take in between meals but through drinking some cups of tea you might fill your hunger in some manner. A glass of tea can witout a doubt replace your snacks. Learn to manipulate yourself because that?s the only way to shed all those unwanted pounds. Without self-discipline, you will gain much more weight. Aside from losing fat, drinking tea has various other benefits.

By combining it for a diet, you possibly can boost the health, prevent cancer tumor, and it could make an individual a healthier individual. Here?s a bit secret ? in order to see the effects of tea in excess fat regimen, substitute any glass connected with tea in your snacks. Make that a addiction to drink tea everyday and also you can take your supplements in order.

The supplementations can react as your body?s excess fat burners for you to lose weight quickly. If you start drinking that now, it is possible to see the effects soon. Tell your fellow dieters in regards to the amazing therapeutic properties of tea and how it could help in reducing your weight. You and your friends might all look at if tea is absolutely effective in reducing your weight.

Some outlets sell your tea leaves and you can just simply prepare your beverage in your house. Ask your seller how to prepare your tea results in. If you?re in a very hurry, you possibly can just choose the ready-to-drink tea in plastic bottles. Various of bottled environment friendly teas in the grocery stores and you must choose usually the one you such as. Instead connected with drinking coffee as well as other drinks, shift to tea.

It isn?t just a cheaper beverage nevertheless it will let you lose weight and can make an individual a healthier individual.
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Source: http://ccrcorp.info/?p=3411

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