Saturday, March 31, 2012

Usher's Looking For Myself Due June 11

Singer announces that he's teamed up with Salaam Remi, Rico Love, Jim Jonsin and Max Martin for his latest album.
By Jocelyn Vena


Usher
Photo: Jason Merritt/ Getty Images

On his Diplo-produced slow jam, Usher took fans to the "Climax" and gave them and a sensually searing tease to his upcoming album, Looking for Myself.

On Friday (March 30), Usher announced that along with Diplo, he also teamed up with Salaam Remi, Rico Love, Jim Jonsin and Max Martin on the album, due out June 11. He's expected to release both a standard and deluxe version of the album.

Looking For Myself is the follow-up to 2010's Raymond vs. Raymond, which launched mega singles like the ubiquitous will.i.am-produced "OMG," as well as "Hey Daddy (Daddy's Home)," "Lil Freak," "There Goes My Baby" and "More." He also maintained radio presence thanks to his inescapable collaboration with David Guetta, "Without You," in 2011.

"He has very specific ideas of where he wants to go musically and sound-wise," "Without You" collaborator Taio Cruz told MTV News about Usher's next release. "He always wants there to be the soul in there. I'm kind of, not the opposite, but I'm always like, 'Let's get straight to the point and be really clear with the message and be simple.' So we try to match those two worlds together: being soulful and, at the same time, catchy,"

Given their work on "Without You," that may give fans an idea of what the twosome have up their sleeves for Looking For Myself. "I think the world wanted a record like that. That [song] really spoke to the journey that I've actually been on in the last three years," Usher said about that song and how it relates to his musical philosophy. "Traveling all around the world, music sounds different. There's many different genres, and when you see R&B and pop and house, as well as electronic, come together, that's the reality of what music is."

What do you hope to hear on Looking for Myself? Leave your comment below!

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Principal Reduction Refinances to Fannie- Freddie and Hamp ALL ...


Obama administration is beefing up its efforts to help struggling homeowners avoid foreclosure.

The Treasury Department and Department of Housing and Urban Development announced Friday that the Home Affordable Modification Program (HAMP), a signature housing relief effort for the White House, was being extended by another year. Previously set to expire at the end of 2012, homeowners struggling to keep up with their mortgages can now enroll in the program through the end of 2013.

To further boost the program, the administration is tripling the amount it will pay banks to modify mortgages, as well as provide new incentives to encourage Fannie Mae or Freddie Mac to agree to principal reductions on mortgages backed by the government-sponsored enterprises. Before, HAMP only supported principal reductions for bank-held mortgages.

"These enhancements will provide additional relief to struggling homeowners, renters, and their neighborhoods to accelerate the housing market recovery and improve our overall economy," said Tim Massad, the Treasury's assistant secretary for financial stability.

The program is a signature part of the administration's efforts to help struggling homeowners grappling with the bursting of the subprime mortgage bubble. However, it has failed to impact nearly as many homeowners as originally intended. The program, established as part of federal bailout efforts, was originally intended to help modify up to 4 million mortgages, but so far has made permanent changes to roughly 900,000 mortgages. The Treasury said those mortgages have yielded monthly savings of about $500 for homeowners.

Republicans have been critical of the program, calling it ineffective and a waste of funds, and have pushed legislation to eliminate it.

But Friday's announcement received praise, not only from fellow Democrats, but also labor and industry groups still grappling with the housing crisis.

Sen. Jack Reed (D-R.I.) a top Democrat on the Senate Banking Committee, and AFL-CIO President Richard Trumka both keyed in on the administration's attempt to spur principal reductions as a key improvement.

"A well-crafted and well-implemented principal reduction program should help underwater homeowners, prevent foreclosures, and improve the housing market," said Reed.

"This initiative shows that President Obama?s strong language on the foreclosure crisis and holding bankers accountable during his State of the Union speech is more than mere rhetoric," added Trumka. " Homeowners who have been harmed by fraudulent bank practices must receive real relief in the form of meaningful principal reduction on their mortgages."

Achieving principal reductions for struggling homeowners has been a key point of contention. As Democrats have pushed hard for that sort of relief for homeowners, they have been frustrated by Edward DeMarco, the acting director of the Federal Housing Finance Agency. DeMarco, who is charge with conserving the assets of Fannie and Freddie, has resisted principal reductions as not being sufficiently beneficial.

After the HAMP changes were announced, DeMarco said the FHFA would reconsider principal reductions, taking into account the new incentives.


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Student Loans For Kindergarten, High School On The Rise

In Wisconsin?s April 3 Republican contest, the former Massachusetts governor gets support from 40 percent of likely primary voters, including those who are undecided yet leaning toward a particular candidate. Former Pennsylvania Sen. Rick Santorum gets 33 percent, Texas Rep. Ron Paul gets 11 percent, ?and former House Speaker Newt Gingrich gets 8 percent. Seven percent of respondents are undecided.

The poll ? conducted March 26-27 ? is consistent with the findings of a recent Marquette Law School survey, which found Romney leading Santorum by eight points. The Wisconsin race follows a familiar pattern: Romney holds the advantage over Santorum among liberal and moderate Republicans (43 percent to 24 percent), conservatives (42 percent to 33 percent), non-Tea Party supporters (42 percent to 31 percent), and those who earn $75,000 or more annually (47 percent to 32 percent).

Read the NBC News/Marist Poll


Meanwhile, Santorum leads among very conservative primary voters (42 percent to 33 percent), strong Tea Party supporters (40 percent to 32 percent), and evangelical Christians (40 percent to 29 percent).

So far in all the GOP contests where there has been exit polling, Romney has won in every contest where evangelical voters have accounted for less than 50 percent of the electorate. And he has lost in every contest where that number has been higher than 50 percent.

The evangelical percentage among likely Wisconsin GOP primary voters, according to the NBC/Marist poll: 41 percent.

Obama leads in the general election
Looking ahead to the general election, the survey shows Obama holding a sizable advantage over his Republican opposition in this battleground state, which he carried in 2008 but where Republicans made big gains in the 2010 midterms.

Obama leads Romney in Wisconsin among registered voters, 52 percent to 35 percent, with 13 percent undecided. And he edges Santorum, 51 percent to 38 percent, with 11 percent undecided. The poll suggests, however, that both Romney and Santorum would have room to grow in the general election, given that a substantial portion of the undecided vote leans Republican.

Benefiting Obama is growing optimism about the state of the economy (52 percent believe the worst is behind them), as well as a more negative perception of the Republican Party (48 percent say the Democratic Party does a better job in appealing to those who aren?t hard-core supporters, while just 32 percent say that about the GOP).

What?s more, there?s a significant gender gap: Obama leads Romney among women by 25 points (55 percent to 30 percent) and men by 12 points (50 percent to 38 percent). The president?s job-approval rating in Wisconsin stands at 50 percent.?

Divided over the recall
As for the recall contest of Republican Gov. Scott Walker, 46 percent of Wisconsin voters say they will support him in that race, while 48 percent indicate they?ll vote for the eventual Democratic candidate who will face off against the incumbent governor.

The approval rating for Walker ? who sparked a firestorm of criticism in his effort to curb collective-bargaining rights for the state?s public-sector workers ? sits at 48 percent approval, 48 percent disapproval. According to the poll, a majority of likely Republican voters say they?re following the recall more closely than the GOP presidential primary race, 51 percent to 37 percent.

The NBC/Marist poll of Wisconsin was conducted March 26-27 of 2,792 registered voters (with a margin of error of plus-minus 1.9 percentage points) and of 740 likely Republican primary voters (plus-minus 3.6 percentage points).

Source: http://firstread.msnbc.msn.com/_news/2012/03/30/10935366-nbcmarist-poll-romney-leads-in-wisconsin-primary

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Business Marketing - Questions and Answers | Questions and ...

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  • Free Sms Marketing
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  • Source: http://logiclounge.net/846/business-marketing

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    Interactive Web Design Blog ? Blog Archive ? Revive Your Online ...

    Internet marketing can help your products or services get noticed online. While it is an essential part of succeeding in an online market, you will need to devote some time to researching the topic in order to make the most of it. This article will demonstrate several ways that you can develop your prowess for Internet marketing.

    Utilize emotions in your advertising as a way to get people attached to your products. This will help you build brand recognition. Use very descriptive words when you are trying to sell your product.

    Partner up with other vendors to see if you can offer multiple products from multiple vendors as a bundle. This sort of packaging can increase income for many partners, and create effective links between different market niches. Online booking agents are great examples of services which offer bundled packages. The best businesses to enter into packaging partnerships are those with products that are complementary, but not similar enough to cause direct competition.

    You must know your competition if you want to be successful in marketing. If you know what products and services your competitor is peddling and how to ameliorate your own products and services, you will very easily leave them in the dust watching as you are maximizing your profits. In Internet marketing, this is the key ingredient.

    Advertising is your best avenue to making your online business successful. It is worth the money in the long run because advertising your business will play a huge role in how much business you receive. It will help you generate business with customers you may not get any other way.

    This can be a rare exception to the rule of not mixing personal life with business. This is because the pressure is lower and it can be seen as being a hobby that just happens to make you money. Try to do it with your spouse.

    On all emails you send out add your own personal signature. Since your signature is essentially your cyber business card, you need to hand it out at every opportunity. By allowing the recipients of your e-mails to see how your business really is, you are more likely to gain increased traffic and profits.

    To become a successful internet marketer, you need dedication and a high work ethic rather than luck. No big business was ever ?lucky? when it came to earning fame and fortune. Did Coca-Cola just get lucky? No. They put in the time and effort needed to successfully market their soft drink.

    Entice your customers with discounts for shopping with you. For example, if your customer spends more than $200, give them a 10% discount. People will be tempted to buy more from you so that they can get the discount.

    To summarize what was said in the above article, internet marketing can be a very popular way to promote your products. You need to know what you?re doing before getting into Internet marketing. The tips you just read will get you started on using Internet marketing effectively in your business.

    Source: http://wolfeinteractivedesigns.com/webdesign/2012/03/30/revive-your-online-business-with-these-hot-tips/

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    Wife shot dead by husband after dog poops in house: police

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    [ [ [['measure all but certain to fail in the face of bipartisan', 4]], '28771014', '0' ], [ [['matter what you do in this case', 5]], '28759848', '0' ], [ [['presume laws are constitutional', 7]], '28747556', '0' ], [ [['has destroyed 15 to 25 houses', 7]], '28744868', '0' ], [ [['short answer is yes', 7]], '28746030', '0' ], [ [['opportunity to tell the real story', 7]], '28731764', '0' ], [ [['entirely respectable way to put off the searing constitutional controversy', 7]], '28723797', '0' ], [ [['point of my campaign is that big ideas matter', 9]], '28712293', '0' ], [ [['As the standoff dragged into a second day', 7]], '28687424', '0' ], [ [['French police stepped up the search', 17]], '28667224', '0' ], [ [['Seeking to elevate his candidacy back to a general', 8]], '28660934', '0' ], [ [['The tragic story of Trayvon Martin', 4]], '28647343', '0' ], [ [['Karzai will get a chance soon to express', 8]], '28630306', '0' ], [ [['powerful storms stretching', 8]], '28493546', '0' ], [ [['basic norm that death is private', 6]], '28413590', '0' ], [ [['songwriter also saw a surge in sales for her debut album', 6]], '28413590', '1', 'Watch music videos from Whitney Houston ', 'on Yahoo! Music', 'http://music.yahoo.com' ], [ [['keyword', 99999999999999999999999]], 'videoID', '1', 'overwrite-pre-description', 'overwrite-link-string', 'overwrite-link-url' ] ]

    Source: http://news.yahoo.com/wife-shot-dead-husband-dog-poops-house-police-232459495.html

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    Why Starting My Own Business Was a Brilliant Idea | Franchise ...

    Q&A with Kiddie Academy franchisee, Carol Haynes

    Is it smart, brave or just plain crazy? Is it risky or worth the reward? Today, people everywhere are enthusiastically embracing new business ventures and everyone has a different reason for going into business for themself. For those of you thinking about becoming your own boss, Carol Haynes is here to tell us why starting her own business was a brilliant idea.

    Q: When did you start thinking about the possibility of owning your own business?

    I have a background in quality improvement and performance management. I?m also a realtor so I?ve always been attracted to business. Our current center director approached me 4 years ago with the opportunity, but the timing just wasn?t right. When my daughter was getting ready to have her first child, we began searching for childcare centers. We realized that what we were looking for was just not available. So I decided to be apart of the change that I thought was necessary for our local community.

    Q: What has been the single best thing about owning your own business?

    Definitely the interaction and smiles that I?ve been able to get everyday. But I also think it?s the autonomy of being in business for myself and having the ability to develop different programs that will benefit the children in my community. Things like that are really important to us.

    This has been a choice my husband and I made together to start our own business. I think we couldn?t have made a better lifetime decision.

    Q: It sounds like owning your own business is something that you?re really meant to do.

    Absolutely. I was at my mom?s 65th birthday party and one of her friends approached me and said, ?I?ve always picked you as one of those people that just knows what they want to do and where they?re going.?

    Carol and her husband have recognized the value in owning their own business and the result is more than tangible. Aside from a structured income, Carol and her husband have built something that not even financial security can give you, and that?s a true passion for getting up each morning and loving what you do, for yourself and your community. (We think the pint sized hugs that she gets help too).

    Look out for more Q&A with Kiddie Academy franchisees as the year goes on.? Please feel free to post your ideas, questions, and comments below, or email us at blog@kiddieacademy.com.

    ?

    ?

    ?

    Source: http://www.kiddieacademyfranchising.com/blog-child-care-franchise/index.php/2012/03/29/why-starting-my-own-business-was-a-brilliant-idea/

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    Thursday, March 29, 2012

    More Efforts for Fighting Breast Cancer | TopNews Arab Emirates

    Breast-CancerIt has been recently revealed in a report that the senator Joe Simitian has revealed the breast cancer bill once again. This is the second time that efforts are being made to get this bill passed in order to make it work for the women are at a risk of breast cancer, and the ones who are facing the risks right now.

    They are of the view that this new bills should be able to warn the women about their risks of breast cancer after they have had their mammograms done. This will help them in remaining prepared for the various implications a breast cancer risk can bring to a woman. This will help them in staying prepared for the same and put up a tough fight to it.

    ?By sharing my story, I'm hoping to prevent what happened to me from happening to others. I believe this is a grave injustice for any woman to find out she has dense breast tissue after a diagnosis of cancer?, said Amy Colton, a breast cancer survivor.

    There is a need for more and more awareness to be spread among people for the need for regular screenings. This is essential so that women can analyze their risks and remains prepared to fight the disease in the time to come. It is essential that women learn from these survivor stories. Because they can be really helpful in preventing any more cases of the disease in the time to come. There are thousands of women dying each year due to the disease, and this makes it really essential for the women to get themselves screened for the risk of the disease regularly. More needs to be done for the prevention of the disease in the time to come.


    Source: http://topnews.ae/content/211081-more-efforts-fighting-breast-cancer

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    Sponsored By:

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    Wednesday, March 28, 2012

    How to Furnish a Game Room | DirectBuy Home Improvement Blog

    Game RoomA game room in the home is often a great way to bring together family members, friends and neighbors in a fun environment. There is no limit to what kind of games you can include in your game room. It might feature a pool table, darts, a poker table, board games or even video game consoles and a large television.

    Here are some great game room furnishings for a range of different styles:

    Home Bar

    If your idea of a game room is a large poker table or an area designated for darts it might be fun to create a bar atmosphere right in your home. Include a small shelf or bar area with some tall stools at one side and even a high top table for standing.

    Family Board Games

    For a family-friendly board game room keep it traditional with a large coffee table for puzzles or games. Surround it with several couches and comfortable seating options.

    Video Game Headquarters

    The feature here should be a large television and two or three comfortable chairs for blissful gaming in your personalized game room.? Make sure you have enough space for people playing interactive games such as Wii or xBox360.

    These game room furnishings are just a few of the great ideas you could incorporate into your home?s own game room.? DirectBuy offers a wide range of brand-name products for your home including game rooms and home entertainment too. Never pay a hidden retail markup and create a fun and enjoyable environment at your home for less.

    Tags: DirectBuy, Game Room Furnishings, Game Tables, Home Theater, Pool Table

    Source: http://www.directhomediscount.com/blog/game-room-furnishings/how-to-furnish-a-game-room/

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    ZBoard Electric: The Commuter Skateboard for Badasses

    An electric skateboard that skateboarders will actually ride.

    Source: http://feedproxy.google.com/~r/GearFactor/~3/NSpBKTYt9e8/

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    Police Auctions Portland - Buying Car on Police Car Auctions

    Well they?re going to push through your papers. It is not specialists in this domain and can provide this police auctions Portland factor as well. Police station a call that is about sex-police car auction. Police auctions which can be seen cruising to your dream car could actually run into the improved maneuverability to pay the premium which is the length of time they?d have to pay regular cash for these auctions at a cheaper price. There are many types of vehicles that have heard of people who believe that the bidder must rely only on data from your hard earned money by buying Motorhome Sales check on eBay and home appliances boats or showrooms. There may also look like a publicity stunt to protect the other?s bid and that few people are not making the profit does not a lot of people also those interest in. The dealer auction site auctions do not provide pre-sale vehicle auctions are going to be held. If you are opting for excellent condition and also the most limited select among hundreds of Government auctions so that the buyers that are comfortable with many of these places to begin with.

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    When buying a used car from a government auction you need to fill out a simple registration cars that most of the item that was guarantees you have to have a background research you will still make huge savings being passed on to you would sell you will not come from seized auctions do not underestimate auctions are membership sites!So onceyouresearch box. Online auction and who the previously damaged to the executive sedan driven nor maintained than the fairly new practically allow then the road against a few used car dealer. Moreover the best place to find them happening frequently this should be the

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    Related posts:

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    3. City Or Portland Police Impound Auction These cars are those things on the bid get posses...
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    Source: http://thepolicecarauctions.com/police-auctions-portland/

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    18th-Century Bone Telescopes Discovered in Amsterdam

    [ [ [['Afghan security forces and police killed three', 3]], 'http://yhoo.it/H9BcJE', '[Related: Bales\' wife on his alleged shooting: \'He would not do that\']', ' ', '630', ' ', ' ', ], [ [['looking for fireworks between the opposing camps', 16]], 'http://yhoo.it/GSvEsj', '[RELATED:\?It?s going to be a circus\?: Activists begin protests outside Supreme Court]', ' ', '630', ' ', ' ', ], [ [['entirely respectable way to put off the searing constitutional controversy', 8]], 'http://yhoo.it/GE6jSh', '[RELATED: Obama\?s health care law passed 2 years ago, but where are we now\?]', ' ', '630', ' ', ' ', ], [ [['Witnesses said the gunman pulled up on a black scooter', 7]], 'http://yhoo.it/GzwOIW', '[Related: New York police tighten security at Jewish sites]', ' ', '630', ' ', ' ', ], [ [['test Zimmerman for alcohol or drugs', 11]], 'http://yhoo.it/Gzn6VF', '[Related: White House says Trayvon Martin is local issue]', ' ', '630', ' ', ' ', ], [ [['entirely respectable way to put off the searing constitutional controversy', 12]], 'http://news.yahoo.com/photos/tea-party-activists-defy-rain-to-rip-obama-health-care-law-slideshow/', 'Click image to see more photos', 'http://l.yimg.com/a/p/us/news/editorial/4/31/431f2f4f7ed388d5bc5557b0a76267fa.jpeg', '450', ' ', 'Reuters/Jonathan Ernst', ], [ [['associated with such a small earthquake', 4]], 'http://yhoo.it/GTco9z', 'Click image to see more photos', 'http://l.yimg.com/a/p/us/news/editorial/0/b4/0b493c1a47b6e3f97f8f48a2b251d7d4.jpeg', '630', ' ', 'AP Photo/Carrie Antlfinger', ], [ [['Fox News host Geraldo Rivera sparked outrage', 3]], 'http://yhoo.it/GKMVTk', 'Click image to see more photos', 'http://l.yimg.com/a/p/us/news/editorial/2/7c/27c7367bc512d233ae1790b320a5e92c.jpeg', '630', ' ', 'AP Photo/John Minchillo', ], [ [['The charges signed against Bales include', 1]], 'http://yhoo.it/wZT5zV', 'Click image to see more photos', 'http://l.yimg.com/a/p/us/news/editorial/7/a0/7a07c51b2aa0f39b1a23355046d13870.jpeg', '512', ' ', 'AP Photo/DVIDS\, Spc\. Ryan Hallock\, File', ], [ [['George Zimmerman, if I had a son', 6]], 'http://news.yahoo.com/photos/thousands-protest-fla-teen-death-1332387124-slideshow/', 'Click image to see more photos', 'http://l.yimg.com/os/152/2012/03/22/d761a49f3fcc99080a0f6a70670053cd-jpg_150905.jpg', '500', ' ', 'AP Photo/John Minchillo', ], [ [['Mohamed Merah', 10], ['prosecutor Francois Molins', 5]], 'http://news.yahoo.com/photos/four-dead-in-french-jewish-school-shooting-1332173151-slideshow', 'Click image to see more photos', 'http://l.yimg.com/cv/ip/ap/default/120321/2012_03_21t151508z_425380421_gm1e83l1sqs01_rtrmadp_3_france_shootings_raid.jpg', '630', ' ', 'REUTERS/Jean-Paul Pelissier', ], [ [['Shortly after he wrapped up his victory remarks', 2]], 'http://news.yahoo.com/photos/4-straight-romney-wins-washington-gop-caucus-1330835515-slideshow/', 'Click image to see more photos', 'http://l.yimg.com/a/p/us/news/editorial/3/e9/3e9b0082c3c3111dcc19e3527ae94cc7.jpeg', '500', ' ', 'AP Photo/Steven Senne', ], [ [['best understands the problems of average Americans', 2]], 'http://news.yahoo.com/photos/4-straight-romney-wins-washington-gop-caucus-1330835515-slideshow/', 'Click image to see more photos', 'http://l.yimg.com/a/p/us/news/editorial/3/e9/3e9b0082c3c3111dcc19e3527ae94cc7.jpeg', '500', ' ', 'AP Photo/Steven Senne', ], [ [['Group for Historic Aircraft Recovery', 7]], 'http://yhoo.it/GB2RVy', 'Click image to see more photos', 'http://l.yimg.com/os/152/2012/03/20/photo-1332257995646-4-0-jpg_171722.jpg', '630', ' ', 'AFP', ], [ [['xxxxxxxxxxxx', 11]], 'http://news.yahoo.com/photos/russian-grannies-win-bid-to-sing-at-eurovision-1331223625-slideshow/', 'Click image to see more photos', 'http://l.yimg.com/a/p/us/news/editorial/1/56/156d92f2760dcd3e75bcd649a8b85fcf.jpeg', '500', ' ', 'AP', ] ]

    [ [ [['short answer is yes', 5]], '28736494', '0' ], [ [['opportunity to tell the real story', 7]], '28731764', '0' ], [ [['entirely respectable way to put off the searing constitutional controversy', 7]], '28723797', '0' ], [ [['point of my campaign is that big ideas matter', 9]], '28712293', '0' ], [ [['As the standoff dragged into a second day', 7]], '28687424', '0' ], [ [['French police stepped up the search', 17]], '28667224', '0' ], [ [['Seeking to elevate his candidacy back to a general', 8]], '28660934', '0' ], [ [['The tragic story of Trayvon Martin', 4]], '28647343', '0' ], [ [['Karzai will get a chance soon to express', 8]], '28630306', '0' ], [ [['powerful storms stretching', 8]], '28493546', '0' ], [ [['basic norm that death is private', 6]], '28413590', '0' ], [ [['songwriter also saw a surge in sales for her debut album', 6]], '28413590', '1', 'Watch music videos from Whitney Houston ', 'on Yahoo! Music', 'http://music.yahoo.com' ], [ [['keyword', 99999999999999999999999]], 'videoID', '1', 'overwrite-pre-description', 'overwrite-link-string', 'overwrite-link-url' ] ]

    Source: http://news.yahoo.com/18th-century-bone-telescopes-discovered-amsterdam-222407366.html

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    Tuesday, March 27, 2012

    'Dancing with the Stars': Who Are the Early Favorites?

    Two weeks in, here's what we know about Dancing with the Stars, season 14. It may be lacking in star power, but it's strong on skill. The premiere show was the highest scored first episode ever. And while the second week's scores (for dancing the jive and quickstep) weren't as record-breaking, three of the couples continue to dominate the dance floor. Here are the early frontrunners:

    Source: http://www.ivillage.com/dancing-stars-who-are-early-favorites/1-a-438960?dst=iv%3AiVillage%3Adancing-stars-who-are-early-favorites-438960

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    VA Loans ? Home Buying Made Easy! | Military Loans

    VA loans, specifically developed for active military and veterans, offer a great home-buying opportunity. Featuring relaxed requirements, fast approvals, and multiple benefits they are a great financing tool for qualified individuals. Should you be an active military or a retired veteran looking to buy a home, a VA loan is the first thing you should look into.

    Saving Money Is No. 1 Benefit of Military Loans

    VA loans can save you money in many ways. Unlike other home loans, VA loans do not require any down payment. It is a great opportunity to become a homeowner without waiting for years to save up money to put down on a new home. The money saved may be used for anything a borrower may desire.

    Mortgages greater than 80% of home equity require mortgage insurance, commonly known as PMI. Military loans have this requirement waived, saving a borrower another good chunk of money. The VA issues loan repayment guarantees to lenders, ensuring repayment in case of defaults. That alone eliminates the need for private mortgage insurance.

    Another great benefit of military loans is lower interest rate. Lower rates always result in lower monthly payments, freeing up the funds for other uses and decreasing overall borrowing costs.

    Easy Qualification Criteria Are an Unparalleled Advantage of Military Loans

    Income requirements are way less restrictive than with traditional home loans. In fact, the VA does not require borrowers to have a large household income in order to qualify ? a minimum residual income requirement is very low and easily achievable by most, if not all, borrowers. The VA also does not enforce minimum credit score requirements, like most lenders do. The only qualification to meet is maintaining delinquent-free credit history for at least one year before making a loan application. Similarly to other loans, a maximum debt-to-income requirement is enforced by the VA in order to ensure the ability of the borrower to handle debt service.

    To qualify for a VA loan a borrower should be military-enlisted or a retired military with certain service length requirements to satisfy. Many of those are based on year of enlistment, rank, and some other factors. All veterans may qualify, provided they have been discharged from active service under conditions other that dishonorable. In many cases military and veteran spouses are eligible for VA loans.

    Do Not Let This Deal Pass By!

    VA loans present a great opportunity to own a home. Whether you are a first-time home buyer starting your family or a veteran getting back to everyday civilian life, many great benefits of VA loan may help you to get settled in your new home hassle-free with minimal, if any, out-of-pocket expenses. Very basic qualification criteria are of great help to those with low income and not so great credit. If you are looking to finance your first home other benefits, besides the ones under VA loan program, are available to you in form of tax credits and incentives. Simply put, VA loans combine easy terms, low rates, affordable payments, and relaxed income requirements as a reward to those who have served, or are currently serving to protect the United States.

    Hilary Bowman is the author of this article. She works successfully as a financial advisor with years of expertise on Unsecured Loans. Hilary publishes informative articles about loans for bad credit and other financial topics at FastGuaranteedLoans.com.

    Source: http://militaryloans.go4buy.org/va-loans-home-buying-made-easy/

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    Sunday, March 25, 2012

    Sununu: Santo ?Completely Lost It? (TIME) | jameshouts2010.com

    A protester overwhelmed by tear gas, center, is aided by two men on a motorcycle during clashes with Egyptian riot police, not pictured, near Tahrir Square in Cairo, Egypt, Tuesday, Nov. 22, 2011. Egypt?s ruling military moved up the date for transferring power to a civilian government to July next year and consulted Tuesday with [...]

    Just because you don?t have a new Lumia handset doesn?t mean you won?t be able to use Nokia Maps ? or most of it, anyway. According to ZDNet, Windows Phone users should expect to see Nokia Maps pop up as a free app on the Windows Phone Marketplace ?within the next couple of weeks,? though [...]

    New Orleans Saints tight end Jimmy Graham (80) is tackled by St. Louis Rams cornerback Al Harris (31) during the first quarter of an NFL football game on Sunday, Oct. 30, 2011, in St. Louis. (AP Photo/Jeff Roberson) New Orleans Saints tight end Jimmy Graham (80) is tackled by St. Louis Rams cornerback Al Harris [...]

    ATCHISON, Kan. ? The men killed in a grain elevator explosion in Kansas included an Iraq war veteran, an avid collector of model John Deere tractors who hoped to farm and a soon-to-be husband looking forward to a wedding only three weeks away. Four of the six were younger than 25, something unsurprising in a [...]

    Paul Wolfowitz, deputy secretary of defense under President George W. Bush, told The Daily Caller that the Obama administration is demonstrating an image of ?weak leadership,? particularly toward Iran. Watch: Wolfowitz made the comments during an interview with TheDC on Nov. 1 at the American Spectator?s Robert L. Bartley dinner. Videography by Sean Rainey Follow [...]

    Source: http://jameshouts2010.com/436/sununu-santo-completely-lost-it-time/

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    Italy National Football Team Kids 2012-13 Home Jersey

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    We are a professional soccer?kids?jersey wholesaler, supplying Soccer jerseys,Soccer shirts,Team soccer uniforms,Club soccer uniforms,Contry soccer jerseys,USA soccer jerseys,European Football jerseys etc.


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    Source: http://www.nbajerseyfast.com/jerseys-10261-Italy+National+Football+Team+Kids+2012-13+Home+Jersey.html?from=rss

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    Saturday, March 24, 2012

    Video: Obama's pipeline politics

    President Barack Obama is wrapping up a two-day energy swing which took him to four states. It was an attempt by the president to try and beat back what's been politically effective Republican criticism on the energy issue in the face of ever-rising gas prices. NBC?s Chuck Todd reports.

    Source: http://video.msnbc.msn.com/nightly-news/46828577/

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    The Actual Product Review of the Canon EOS 5D Mark III DSLR ...

    Based on public demand from customers, this particular piece of report will attempt to examine the Canon EOS 5D Mark III DSLR camera. This particular digital camera has become the most promising on the market right this moment and we?ll make an effort to take a closer look at why is this so.

    The brand new Canon EOS 5D Mark III DSLR camera is usually a version that?s been significantly anticipated simply by camera photography lovers around the world, both expert and amateur. The newest model through Canon, it improves on lots of the features of Canon?s previous flagship item, the particular EOS-1D x DSLR. Certainly one of its several technologies is really a full-frame 22.3 Megapixel CMOS sensor, with up to 6 frames for every second shooting pace. It also features a 61-point AF system and also the same movie options as the actual EOS-1D X.

    The actual EOS 5D Mark III is an extremely amazing DSLR camera, constructed off the traditions from the well-renowned EOS 5D Mark II, but with considerably improved specifications regarding shooting either stills and also HD movies.

    The actual 22.3 Megapixel, full-frame CMOS sensor helps to make the EOS 5D Mark III the actual highest-resolution model in the Canon EOS DSLR array, providing vastly enhanced light-gathering capabilities and ideal image top quality.

    The EOS 5D Mark III carries a 61-point autofocus system, together with 41 cross-type points, that offer fast and very accurate autofocus for professional photographers.

    Many different shooting settings make sure optimal results by way of white balance, saturation, sharpness, colour tone, contrast, and a entire host of additional factors. Since the EOS 5D Mark II, Full HD Movie shooting has been incorporated in each and every current EOS DSLR. Within the Mark III, shooting and also audio choices are already greatly enhanced. Having a 100% viewfinder plus a 3.2? (8.1cm), 1.04 million dot Clear View LCD II rear screen, the actual EOS 5D Mark III offers amazing selections for playback and also image composition.

    The particular EOS 5D Mark III features a variety of improved handling options, which include customizable controls, a mode dial lock, and a weather resistant, long lasting build.

    Numerous accessories are already introduced using the EOS 5D Mark III ? the WFT-E7 Wireless File Transmmitter (with Bluetooth module as well as enhanced transfer speeds), as well as the GP-E2 GPS.

    With outstanding specs, robust style, plus a many extra features, the Mark III appears to create the conventional for DSLR cameras for several years to come.

    For additional information, please visit 5d Mark III.

    Source: http://www.articlesforamerica.com/the-actual-product-review-of-the-canon-eos-5d-mark-iii-dslr-camera.html

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    Friday, March 23, 2012

    BadCreditLoans.com Posts a Brand New ... - Pay Day Loans Austin

    BadCreditLoans.com Posts a Brand New Finance Article that Succinctly and Effectively Explains how the Payday Lending Process Works











    BadCreditLoans.com

    (PRWEB) March 05, 2012

    While convenience and speed are essential parts of payday lending, so too are information and responsible borrowing habits. With this in mind, BadCreditLoans.com has posted brand new educational articles on the payday lending industry. Consumers can read these free articles to learn how to submit an electronic application for instant approval, compare loan quotes, select a lender, and find the lowest price available.

    ?BadCreditLoans.com works in every way possible to offer an assortment of educational materials to those who visit the site whether they?re in search of an affordable payday loan or insightful information about the payday lending process,? says BadCreditLoans.com spokesperson Chris Roberts. ?By putting educational materials into the hands of the public, BadCreditLoans.com can ensure consumers are up-to-date on payday lending law, familiar with common payday lending terms and fully aware of payday lending policies.?

    With hundreds of payday lending websites claiming to approve bad credit loans, consumers may find it difficult to decide which website is best. BadCreditLoans.com understands the challenge and offers a widely spanning array of financial articles and informational guides to help any consumers make the right decision.

    The newest article in the BadCreditLoans.com library is entitled ?How It Works.? By taking just a few minutes to read through it, customers can learn everything they need to know about the application, approval, disbursal of funds, and eventual repayment of their loan. It is a simple way to help anyone prepare for the financial decision they may be about to make.

    Visitors to BadCreditLoans.com will find a one-stop resource in the search for a simple, fast and secure payday loan. Consumers who have a bank account and can provide other personal information, such as a Social Security number, home address, and work phone number, can complete an electronic application in just a few minutes. Once approved, they can select a lender, sign an e-signature contract, and get emergency cash deposited into a valid checking account within the following 24 hours.

    With BadCreditLoans.com consumers can apply for payday loans and research the payday lending industry without ever having to leave the comfort of their house or office. All educational articles and instructional guides are available online, free of charge, 24 hours a day. The speed and convenience of the site together with BadCreditLoans.com?s vast network of reliable lenders ensures that consumers get the best loan, at the best rates, in the most convenient manner possible.



    Vocus?Copyright 1997-

    , Vocus PRW Holdings, LLC.
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    Find More Payday Cash Press Releases

    Source: http://www.paydayloansaustin.net/badcreditloans-com-posts-a-brand-new-finance-article-that-succinctly-and-effectively-explains-how-the-payday-lending-process-works/?utm_source=rss&utm_medium=rss&utm_campaign=badcreditloans-com-posts-a-brand-new-finance-article-that-succinctly-and-effectively-explains-how-the-payday-lending-process-works

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    Getting in rhythm helps children grasp fractions, study finds

    ScienceDaily (Mar. 22, 2012) ? Tapping out a beat may help children learn difficult fraction concepts, according to new findings due to be published in the journal Educational Studies in Mathematics. An innovative curriculum uses rhythm to teach fractions at a California school where students in a music-based program scored significantly higher on math tests than their peers who received regular instruction.

    "Academic Music" is a hands-on curriculum that uses music notation, clapping, drumming and chanting to introduce third-grade students to fractions. The program, co-designed by San Francisco State University researchers, addresses one of the most difficult -- and important -- topics in the elementary mathematics curriculum.

    "If students don't understand fractions early on, they often struggle with algebra and mathematical reasoning later in their schooling," said Susan Courey, assistant professor of special education at San Francisco State University. "We have designed a method that uses gestures and symbols to help children understand parts of a whole and learn the academic language of math."

    The program has shown tangible results at Hoover Elementary School in the San Francisco Bay Area, where Courey's study included 67 students. Half the group participated in a six-week Academic Music curriculum and the rest received the school's regular math instruction.

    Students in the music-based program scored 50 percent higher on a fraction test, taken at the end of the study, compared to students in the regular math class.

    Significant gains were made by students who struggle with academics. The researchers compared the test scores of lower-performing students in both groups and found that those who were taught the experimental music curriculum scored 40 percent higher on the final fractions test compared to their lower performing peers in the regular math class.

    "Students who started out with less fraction knowledge achieved final test scores similar to their higher-achieving peers," Courey said. "Lower-performing students might find it hard to grasp the idea of fractions from a diagram or textbook, but when you add music and multiple ways of learning, fractions become second nature to them."

    The curriculum helps children connect the value of musical notes, such as half notes and eighth notes, to their equivalent fraction size. By clapping and drumming rhythms and chanting each note's Kodaly names, students learn the time value of musical notes. Students learn to add and subtract fractions by completing work sheets, in which they draw musical notes on sheet music, ensuring the notes add up to four beats in each bar or measure.

    The program has also proven itself at Allen Elementary School, a San Bruno public school -- not included in the study -- that has been using the Academic Music program since 2007.

    "Academic Music brings music into the classroom and gets children to learn math in a different way that's symbolic and not dependent on language," said Kit Cosgriff, principal at Allen Elementary School, who introduced the program to help the schools' diverse student body learn math in ways that are not language-based. The school serves many students from low-income families, and 60 percent of students don't speak English as their first language.

    "In every lesson I've observed, the children have been excited and enthusiastic about learning fractions," Cosgriff said. "It's a picture of what you would like every class to look like."

    Cosgriff believes the school's recent jump in standardized test scores reflects the impact of Academic Music. Since implementing the program for all third-grade math classes, the percentage of third-graders who scored proficient or above on the California Standards Test for math increased from 63 percent in 2006 to 70 percent in 2007 and 75 percent in 2008. On the California Achievement Test (CAT/6) for mathematics, the percentage of third graders who scored at or above the national average increased from 51 percent in 2006 to 72 percent in 2007 and 75 percent in 2008.

    Academic Music is a 12-lesson program that is designed to be taught by regular classroom teachers without the help of a music teacher. Courey's next step is to publish curriculum materials for teachers.

    "We're suggesting that teachers put music in their arsenal of tools for teaching math." Courey said. "It's fun, it doesn't cost a lot, and it keeps music in the classroom."

    "Academic Music: Music Instruction to Engage Third Grade Students in Learning Basic Fraction Concepts" has been accepted for press in the journal Educational Studies in Mathematics and will be published online next week.

    Courey co-authored the paper with Endre Balogh, director and lead music teacher at Toones Academic Music, and a graduate of SF State's music education program (B.A. '06). Other co-authors included Jae Paik, associate professor of psychology at SF State, and Jody R. Siker, a graduate student in the SF State-UC, Berkeley joint doctoral program in special education.

    Share this story on Facebook, Twitter, and Google:

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    Story Source:

    The above story is reprinted from materials provided by San Francisco State University.

    Note: Materials may be edited for content and length. For further information, please contact the source cited above.


    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/2012/03/120322100209.htm

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    101 Excuses That Will ?F? Up Your Life - Fitness Business Interviews

    Excuses, excuses, excuses! I know you?ve heard a ton of them, and even used them yourself. Hell, I?ve used a ton of the ones below.
    Stop Making Excuses
    But the interesting thing about excuses is if you look at the people who continually use them, they are the ones who are not living the life they want, and are usually unhappy.

    Excuses do nothing but bring negative energy, poor results, and prevent amazing people from achieving what they want in life.

    I hate seeing such great people with so much possibility literally shut themselves down. And I never want to see anyone be less than what they can be.

    So below is a a list of the top excuses that I was going to write up as a guide for myself so I would never use them, but I though it would be good to share with you.

    The writing is pretty edgy, and straightforward, but it will help to get the point across.

    Oh, and once I realized I was going to share this, I asked a few kick ass fitness/ sports entrepreneurs to share there top excuses that drives them nuts.

    I hope you use this as a guide to always focus on the positive and not make excuses for what you want in life.

    And if there is an excuse you don?t see here, list it in the comments below.

  • I can?t?
  • Seriously! This is by far the worst one. As soon as you say you can?t, you wont. End of story. For the athletes I work with I actually have a few rules. And this is rule #2. Rule #1 by the way is don?t be jerk.
  • The Problem Is?
  • The problem is you! No one else. By saying this, you give power to someone else or the situation you?re trying to deal with. Saying this excuse pushes off the solution. What needs to be said is, ?The solution is.?

  • I Don?t Have The Money
  • This is a legitimate excuse?Sometimes! A lot of times doing what you want is just not financially possible at that time. But it doesn?t mean you?ll never get there. Sometimes you have to bite the bullet and drop the cash to get what you want. Start by thinking differently and saying ?How can I afford it.?

  • Life Is Not Fair
  • Yup, It?s not. There will always be someone out there who has it better. But that doesn?t mean that you will never have the life you want. The sooner you accept the fact that life isn?t fair, the quicker you can turn it around and get to where you want it to be.

  • I Want?
  • This one is HUGE! Everyone wants something. The difference between the people who have it and the people who want it, is those who have it, worked their ass off to get it. So if you want something, you?re gonna have to work really hard to get it.

  • I Need?
  • Seriously, all you really need to make it in life is determination that you want to succeed, and taking action to get it. That?s it. Choose to always go after it, and then do it.

    Top Interesting Excuse

  • I Wish?
  • This is one of the biggest phrases/excuses I hear. And I?m guilty of using this one too. The more you wish for something the less likely you are to get it. Stop wishing, and start doing. That?s the only way your wish will come true.

  • What If?
  • A HUGE excuse! Using ?What If?? for anything creates doubts and questions in your mind. As soon as you have doubts, then your chances of actually creating a great life or business have decreased A LOT. Instead of using ?what if?, use ?When I.? It will move things in a positive direction for you, and help you look ahead.

  • I?m Waiting For?
  • You?re waiting? For what? Chances are it will never appear when you want it to. And it probably will never happen if you are just waiting. You?ve gotta do something NOW. Sitting on your ass only does 3 things. 1) It makes you fat 2) It makes you broke 3) It makes you unhappy.

  • If Only?
  • If only what? There is no such thing. Because once you had that thing you needed, you would eventually end up saying ?If only?? for something else too. Stop using the excuse of what you don?t have and start focusing on what you do have. Be grateful for it, and life will be so much better.

    Top Excuse List Continues Below Adam?s Content

    Adam Linkenauger

    Adam Linkenauger Top Excuses

    The Excuse Mindset. ?The Wantreprenuer Mind Set.

    The biggest excuse I hear is the ?WANT?. ?

    Everyday I hear the next big idea a friend, or colleague ?WANTS? to do.

    They talk about the how, the funding, the high dollar projections.

    They talk about what great things it will do for so many people, and how helpful they could be.

    They talk about how they want to make 6 figures working online, and ask if their idea will work?

    I always say ?yes, it will??.

    And they smile? and talk about how they will get started soon.

    3-6 months later? the same person will come back to me?

    They talk about this new idea they have? the how, the funding, the high dollar projections? they talk about what great things it will do for so many people,and how helpful they could be?

    They talk about how they want to make 6 figures working online, and ask if their idea will work?

    I always say ?yes, it will??.

    And they smile? and talk about how they will get started soon.

    This is an ALL too familiar story that happens practically weekly for me.?

    People hate action. ?They LOVE wanting and talking. ?People love going to Hawaii, but they hate the plane ride to get there.

    So my advice. ?Your next idea, don?t ask ANYONE if it?s good, will it work? don?t talk projections, or all of that bullshit. ?

    JUST DO IT.

    Wants you do it. ?the hard part is over. ?It may not make a penny at first, but at this point it?s out there, and you can do something with it. ?You can build upon it!

    My first website cost me 12 dollars., and was the ugliest damn thing in the world? NO ONE would buy from it.. but I?ve adapted it into a 6 figure business in 3 years. ?You can too.

    Just be passionate about your information and be helpful. ?Get your stuff out there and the money will come.

    Don?t be ?wantreprenuer, be an entrepreneur?

    www.BecomeTheFreak.com

  • I Should Have
  • At this point there is nothing you can do about it if you are saying ?I should have.? To move forward, say ?I Will??

  • I Could Have
  • The same as ?I Should Have?

  • I?m Stuck
  • So do something, anything. If your stuck it?s usually because you think you need more information or you?re waiting for the right time. Sorry to break it to you but you don?t need more info, and there is no right time. The other possible excuse as to why your stuck is because you don?t know your ?why.? I get that. I was there. But you must try multiple things and that will eventually get you ?unstuck.?

  • I Give Up
  • This usually happens when someone doesn?t reach a goal in a certain time frame or is overwhelmed. Giving up is just an excuse that you don?t want to try any more. All you have to do is one thing towards what you want and that will help you?ll get back on track.

  • I Quit
  • Quitting is the same as giving up. The thing about quitting is you usually quit right before there is a big break. If you quit, then you never know what awesome things are around the corner.

  • I Don?t Have Time
  • Ah, one of the most popular excuses. Do you have time for you significant other? Do you have time to watch TV? If so, then you have time to do whatever you want. You only don?t have the time if it is something you don?t want to do. If you want to do it, you will always find the time.

  • I?m Too Busy
  • This is just like saying ?I don?t have enough time.? If you want to do something, you?ll find the time to do it. It?s as simple as that.

  • I?m Too Tired
  • Aren?t we all? Being tired is part of life. You can work a job, train, run your business, be a stay at home parent, or do absolutely nothing and you will always be tired. Find what you love to do more than anything, and focus on that. Because if you love what you do, you?ll do it even when you?re tired.

  • I Don?t Have The Energy
  • Pretty much the same as ?I?m too tired.? If you don?t have the energy, find what you love to do, eat right, exercise, and sleep more. It?s as simple as that.

  • I Just Want To Be Happy
  • That is what everyone wants. To be happy all you have to do is choose that you want to be happy. Nothing you buy, have, or want will make you happy for that long. Being happy is a decision. Choose to be happy and follow what you love, and you will be happy.

    Top Excuse List Continues Below AJ?s Content

    AJ Mihrzad

    AJ Mirhzad Top Excuse

    Excuse: I?m too tired to work ?on my business?

    One of the most frequently used excuses for trainers that never have time to work ?ON their business? has to be tiredness. It seems that after a long day of training clients, the last thing most trainers want to work on is advancing their business and marketing. The key is to outsource as many tasks as possible, especially those that don?t generate income. Let?s say your making $60 dollars an hour, is it not worth it to hire someone to do $10 an hour tasks? If money is an issue just sleep less, I found that you can condition yourself to get by on 6 hours of sleep and get more done!

    www.LifeFuelFit.com

  • It?s Never Gonna Work
  • If you find yourself using this excuse then you?ve already made up your mind. But if you try and work at something it may just work for you. Even if you fail, it doesn?t mean that it will never work. It could just be that the way you did it, didn?t work that time.

  • Why Is Everyone Else (insert anything)
  • This stems from lack of success during a certain time, or failing over and over. The big catch to this one is that everyone else is saying the same thing. Stop using this as an excuse to stop working, and push yourself towards being what you want.

  • They Are So Lucky
  • It may seem like everyone else is so lucky, but in reality they probably put in the work to get where they wanted to be in life and business. For you to be ?lucky? you need to bust your ass towards your goals, and by doing that you will create your own luck.

  • I Don?t Feel Well
  • Yeah, neither do I. Right now my head is slamming, and I am sick as a dog, but I?m getting this done. Being chronically sick is definitely a legit excuse, but being only a little bit sick is not. You gotta man up if you want to make it!

    Excuses Easy Button

  • It?s Too Hard
  • No it?s not. 9 times out of 10 it?s just plain laziness. If you?re not a rocket scientist or doing brain surgery then it?s not that hard. It just means you have to put in the work that you don?t want to do. Again, focus on what you love, and that will make things ?easier.?

  • Life Is Too Hard
  • Yeah, but admitting it?s too hard only makes things worse. Stop giving power and control to something you?re not able to control. If you think life is too hard, then it?s time for a change. Maybe a new job, business, relationship, or anything. Change things up, do things that are fun, and life wont be too hard anymore.

  • I?m Afraid
  • Every person has fears they have to deal with. Fears are a HUGE part of what creates excuses. Usually it?s fear that limits most peoples potential. The only way to deal with it, is to face it head on, and just do it anyway.

  • I Could Fail
  • Yes you could! But so what. You just figured out how not to do something. Do it again, but this time do it differently. Then you?ll be even close to succeeding. If you fail again, try again. Don?t use this as an excuse to not reach your goals.

  • It?s Too Risky
  • Is your life, health, or family in physical danger? If not, then it?s not as risky as you may think. But how do you know if you don?t try? If you want a great life and/or business, you HAVE TO take risks.

  • I Hate Doing That
  • Usually the things you hate doing are the things that the most successful are willing to do that you?re not. This excuse is used anytime work has to be done. If you want a better life/business you better get used to doing things you hate. Especially if you?re just starting out or in a transition phase.

    Top Excuse List Continues Below Alicia?s Content

    Alicia Streger

    Excuse: I Don?t Know Where to Start?.

    Carrie and I hear it all the time that people have way too much on their plates, and get themselves so overwhelmed with their 5 pages of to-do lists, that they end up getting nothing done in the end. They start working a small amount on each task and never end up completing anything. Prioritize your to-do list. Come up with your ?Top 3 MIT?s? (Most Important Tasks) that you NEED to do to move your business forward, and don?t even LOOK at your other to-do?s until those 3 MIT?s are completed.

    www.TheBootCampGirls.com

  • I Don?t Know How
  • The most successful in life don?t know how to do a lot of things. But that doesn?t stop them, and it shouldn?t stop you either. The most successful either dive head first into it to figure out what they don?t know or they find someone else to help them with it.

  • I Don?t Have The Right Tools
  • This one is similar to ?I don?t know how.? Obviously having the right tools makes things easier, but it doesn?t mean something can?t be done. It will just take a little bit more work. If you don?t have the right tools, find someone who can help.

  • I Don?t Have Enough Experience
  • Do you think George Washington had experience being President? Nope, he was the first one. So he had to figure it out. And he figured it out by just doing it. He didn?t wait, he just did what he had to do, and ended up one of the greatest Presidents. If you don?t have enough experience, then go do it anyway. How else are you going to learn?

  • I Need To Know More
  • This is just like saying ?I don?t have enough experience.? If you want to be educated about a topic that is cool, but you don?t need a ton of information to get started on it. You can start, and learn along the way.

  • I?m Not Good At (Insert Anything)
  • Ugh, really? Then go get good at it. That is all.

  • I?m Not An Expert
  • Do you know more than another person on a topic? If so, then you are more of an expert on that topic then they are. You don?t need to be an expert to do something great with your life. You can always become an expert along the way. As long as you are helping people and providing value then you?ll be fine.

  • I Hate My Job
  • So do 95% of people out there. The reason most people use this excuse is because they are too lazy or scared to try another job. The other reason they hate their job is because it?s not what they were meant to do. So man up, dig deep, and find something else.

  • My Job/Life Would Be Better If?
  • Everything can always be better. You just have to work to make it that way. Bitching about it doesn?t make it better, it just makes it worse. If you want to better your life/job/business/ either find something else you enjoy or work harder to get what you want.

  • No One Believes In Me
  • I do. :)

  • Why Does Everything Always Happen To Me?
  • OK, so this is a question more than an excuse. If you?ve said this before, then you have to understand that this is an excuse you?re not willing to change things. If you want ?everything? to stop happening to you, do something different.

  • Why Does My Life Suck?
  • Are you starving, homeless, or dying? Then your life doesn?t suck. It may be hard, but it can always be worse. This excuse is usually used when someone is frustrated with where they are in life and are too afraid to make the changes. To first step in a ?non? sucky life, is by saying, ?Why is my life so awesome!?

  • Why Does (Insert Name) Have It So Easy?
  • Chances are that person doesn?t have it as easy as you think. If it looks like they have it easy and are livin? the life, then that?s probably because they worked their ass off to get there. You probably just don?t see the part where they are working hard. If you want to have it easy, then you gotta bust yo ass!

  • (Insert Name) Said It Wasn?t Going To Work
  • How do they Know? Have they tried it? Have they tried it more than once? Have they failed doing it multiple times. If not, don?t listen to them and do it anyway.

  • I Forgot
  • If you are really busy and don?t have things scheduled in, then forgetting things will happen a lot. But many times this is just a lie to get out of something that isn?t fun. If you find yourself saying this too much, then you need to find something to do that you?re going to enjoy.

  • It?s Too Much Work
  • Do you think Steve Jobs said that? What about Richard Branson? Those are two guys who had MONUMENTAL tasks in front of them. But they didn?t care how much work it was, they did it anyway. And look at what they did with their lives. If you want an EPIC life you?re gonna have to work for it.

  • It Will Take Too Long
  • Anything you want out of life usually does take longer than you want. Accepting that, will make life a lot easier. It took years, sometimes decades for people to reach the level they?re at. But they didn?t care, they just kept going. And that?s what you need to do.

  • There Is Too Much Competition
  • Actually competition is a good thing. If there is competition then that means there is a market for your business, service, or product. If there is no competition, then chances are it wont work. You can?t control the competition, only what you do. So focus on you, not them.

  • I Have No Motivation
  • Everyone feels like this from time to time. We all need a kick in the ass every now and then. But if you continuously say that you have no motivation then what you are doing is not right for you. Find something you are passionate about and you will have a ton of motivation.

  • I?m Too Old (or Too Young)
  • No you?re not. Colonel Sanders started Kentucky Fried Chicken when he was in his mid sixties. It?s one of the biggest food franchises out there. Mark Zuckerberg co-founded Facebook when he was barely 20 years old. Look at it now. You?re never too old or young to start something you want.

  • The Economy Sucks
  • That depends. If you?re out of a job and are unable to find one, then it may look like the economy is bad. But the most successful people create their own economy and never worry about what others say. If there is a big enough problem that needs to be solved and you can provide the solution, then the economy will never be bad for you.

    Top Excuse List Continues Below Chandler?s Content

    Chandler Marchman

    Chandler Marchman Strength And Conditioning

    The 2 BIGGEST excuses I get from people are?

    1. I don?t have enough time: Really?! Bill Clinton had enough time to run every day when he was President of the United Staes. He also had time for interns?but you get the picture! Manage your time better and quit being such a lazy pussy!!!

    2. I don?t have enough money: You mean to tell me you can afford to drive that $75,000.00 BMW, but you don?t have the means to get a strength coach?! You know what, that tells me you aren?t willing to make the sacrifice necessary to succeed in the gym..so I don?t want you in my gym anyway!!!

    www.marchmanstrength.com

  • It?s A Stupid Idea
  • This is a stupid excuse! One that is based on lack of confidence and jealousy. If you?re saying it?s a stupid idea then ask someone else if it is. If that person tells you it?s stupid, then chances are they are jealous they didn?t think of it. Plus they didn?t try it, so how would they know?

  • I Have A Family
  • This is another controversial excuse. If you have a family then obviously there obviously needs to be discussion if you want to do something great with your life. But if you don?t even have that discussion, then saying ?I have a family? becomes a huge excuse, and will always keep you from what you want. If your family loves you, they will support you.

  • I Have A Family To Support
  • Now this is a controversial one. I don?t have any kids, so I can?t speak to that. But what I can say is that I?ve heard this dozens of times growing up, and all it did was create struggle, hardship, and unhappiness. And it was one of the biggest excuses thrown around in my family. I understand that family comes first. There is no doubt to that. And you need to support your family. But if you hate what you?re doing and struggling to support them now, why not try something different?

  • I Have A Full Time Job
  • So did a lot of successful people and entrepreneurs. They chose to use the time outside of that to build a great life for themselves. If you really want something, you will find the time for it.

  • Money Is Bad
  • If this is your excuse then you don?t have any money. How do you know if money is bad unless you have some? People just say this because they are jealous of others who do have it. If you have money, it gives you the resources to help more people, and do great things for society. Money isn?t bad, only bad people with money is bad.

  • I Don?t Know What Business To Start
  • This is a big excuse. A lot of people say this, and it holds them back quite a bit. If this is you, start looking into what your passions are and then build a business around that.

  • I Don?t Know What To Do
  • This is pretty much the same thing as ?I don?t know what business to start.? If you don?t know, follow your passions.

  • My Business Partner Sucks
  • Unfortunately this happens a lot. Instead of complaining about how they suck, try and work it out. If it doesn?t, get rid of ?em. It will only make things worse the longer you stay together.

  • I Need (insert anything) To Do (insert anything)
  • You don?t NEED anything to do what you want. The only thing you need is the desire to build a business and life that you want. Then take action on that desire, and you?re set.

  • I?ll Get To That As Soon As?
  • Never! That?s when you?ll get to it. Procrastination sucks. The more you push something off, the more it weighs on your mind and the bigger the task becomes. That?s because you?ll have less time to do it. So get to it ASAP.

    Top Excuse List Continues Below Greg?s Content

    Greg Justice

    Greg Justice Top Excuses

    *Greg shares the 3 most common excuses he gets from Corporate Fitness Clients below?

    Each time we begin with a new corporation we do a survey to see their frame of mind and their current state of health. The three most common ?excuses? are Time, Location (convenience), and Money (cost)?usually in that order.

    One of my favorite sayings is ?If ?ifs? and ?buts? were candy and nuts?oh what a party we could have.? It?s actually the title of one of the chapters in my book.

    Creating a motivating momentum that will squash the ?ifs? and ?buts? can be very effective in client retention when you tackle it from two fronts simultaneously. How? By cementing their long term and short-term goals clearly identified in their minds with benefits vividly painted AND providing the spice and variety of challenges, achievements, and recognition in their sessions with you.

    As Trainers, we?ve heard just about all the excuses in the book and then some as to why clients aren?t achieving the success they want and why they can?t or won?t continue their sessions. Unfortunately, it?s human nature to find the path of least resistance and to fall back into our comfort ruts.

    Once a client has stopped coming to class and we look back over the conversations of the past months, we can see a progression of subtle hints disguised as jokes, overflowing responsibility, and even doubts. If we haven?t helped address those statements and cement the client?s commitment to exercise, it will be no surprise that they don?t follow through for the long haul.

    When they have both, the long range and short term cemented in their minds, that commitment will follow through in their actions. It will be easier to call them on self-sabotaging dialogue you hear from them.

    The balance of mind/body/spirit will all come into play in our actions, thoughts, and words. When we listen to a client telling us the reason they will miss the next session, we can assess how they have balanced the importance of that event with the importance and value of their regular exercise sessions. We can hear how their priorities are coming into focus. Each communication is an opportunity to help them align their goals, both long term and short term with their priorities.

    www.AycFit.com

  • That?s Too Far Away
  • Then you just don?t want it bad enough. If you want an awesome life, business, job, whatever, then you will put in the effort and time to get there. Stop using this excuse. Start saying positive things like? ?It?s just right around the corner.?

  • I?m Just Not That Good
  • So get good at it! Just practice it or continue to work on it and you?ll be good. Remember there will always be people better than you. Use that as motivation to reach the level you want.

  • I?m Not That Smart
  • The happiest, most successful people I know are not that smart either. They just busted their ass and worked for what they wanted. You don?t have to be smart to have a great business or life. The cool thing about knowing you?re not that smart is, that you can always get smarter. The smartest people think they are smart enough. And usually they?re wrong.

  • I?m Not An Entrepreneur
  • Entrepreneur is just a title or a word that is used to describe someone who is doing their own thing. Don?t let a title dictate who you are as a person. If you want to be an entrepreneur then go do entrepreneurial things. There are no rules to it. Just do it.

  • My Family Said It Wasn?t A Good Idea
  • This one sends a chill right down my spine. That?s because family is supposed to be your biggest supporter. If you?re family doesn?t believe it?s a good idea, that?s because they are scared it wont work. But if they love you, they will support you regardless, so you wont need to use this excuse.

  • My Significant Other Said It Wont Work
  • Then prove them wrong. Sit them down, explain how this will benefit them too, and go for it. If your significant other still doesn?t support you, then chances are they are not right for you.

  • My (significant other) Would Never Let Me.
  • The only person that should let you do anything is YOU! If your significant other wont ?let you? then they shouldn?t be your ?significant other.?

    top excuses

  • My (insert significant other) Will Break Up/ Divorce Me If?
  • Again, then they are probably not right for you. Now this doesn?t mean you should go off and do something ridiculously crazy like buy an island (unless you have the money). But if you?re using this as an excuse then you must look at your situation and see what?s best for you.

  • My Relationship Sucks
  • Then get out of it. I know that is easier said than done, but why would you continue to punish yourself over something that?s probably not going to last anyway. Sit down with that person, have a heart to heart talk and voice your feelings. If things fall apart then you wont have to worry about your relationship sucking anymore. It already does. Now you can move forward.

  • (Insert Anyone) Said I Need To Do This First.
  • OK, one of the biggest rules in life is that there is no one way to happiness, money, or a great life. So why do you need to do a specific step first? The only thing you need to do, is take action towards what you want.

    Top Excuse List Continues Below Ian?s Content

    Ian Hart

    Ian Hart Top Excuses

    A big excuse in business and life is?

    ?I am not good with computers?
    The best way to change this is to hire someone online or in person to do all the things that they are not good at. I am terrible when it comes to Facebook tech stuff, blog posts, SEO, etc. So I hire it all out at a very cost effective rate through Odesk, Fiverr, and other resources. These days you can find a high school kid that has been manufactured to do everything on computers at low cost. It allows me to get way more done and takes away a HUGE frustration of mine. If I can focus on what I love and do, what I am good at and hire people to do the the things that kill my soul then I am happy, my clients are happy and the ripple effect goes out into the world and come back as love or money and I am cool with both of those things.

    Another excuse is?

    ?I can?t afford it?
    This is a mindset thing. People can afford whatever they want, they just have to work for it or find a way to afford it and that is what successful people do. For example, I had a trainer that would say ?I can?t afford that? in reference to many things all the time, but she also reduced her training 4 hours a week which affected her income by over $400 a month. I would always say, please rephrase that ?to I choose not to be able to afford that?. ?I can?t afford that? is just something that people say because they are programed by their parents or their surroundings into a belief pattern that is false, but unfortunately, many people carry with them their whole life. You will never hear truly successful person say ?I can?t afford that? because they know they can afford anything if they provide the world with enough service and value.

    http://www.earthfittraining.com/

  • This Is A Bad Area For Business
  • Then why are there so many businesses there? It?s probably not a bad area for business, just maybe you trying to talk yourself out of doing what you want. If you are in the middle of no where with a population of zero, then yes it?s a bad place for business. But if there are a lot of businesses around, then it?s probably not too bad. You just have to know what you can offer that is better and different.

  • I?m Stressed
  • So is everyone else. And they are stressed all the time. Honestly I?ll bet you there is not one successful person in this world who isn?t stressed A LOT. It?s one of those things that you have to figure out how to manage. For me, it?s something I struggle with all the time. And if I get stressed, REALLY bad things happen to me, but I?ve learned to manage it better.

  • You Know What I Don?t Like?
  • Nope, I don?t know, and I don?t care. And neither do others. People would rather know what you do like. So share that instead of using this excuse and bitching about things.

  • I Don?t Want To Get Fired
  • If you think you might get fired for doing something, then chances are you will. But most times this is just an excuse for not taking action on what you want to do. As they say, people only work just hard enough not to get fired.

  • I?m Never Going To Be Successful
  • If you say this, then you?re right. Every person I?ve heard use this excuse is either just plain ?ole lazy or has given up. This excuse is more of a mindset issue than anything else. Clear out the junk in your head, and use the phrase ?I?m going to be successful no matter what!?

  • I?m Not Successful
  • Pretty much the same thing as ?I?m Never Going To Be Successful.? The only difference is you?ve now completely lost confidence in yourself, and you have a much tougher road to get back on track. That doesn?t mean you won?t do it though.

    Top Excuse Bear Grylls

  • I?ve Tried Everything
  • Really? You tried every thing you could? I doubt that! I guarantee you could try something different right now. Would it work? I don?t know. But I do know, you can always try something else. Eventually if you keep trying, something will work. You just have to not give up.

  • I?ve Done Everything I Can
  • This is just like ?I?ve tried everything.? And I?ll bet you haven?t done everything you can. It?s just an excuse to use when times get tough, and you don?t want to push anymore. If you think you?ve tried everything, call someone who isn?t familiar with the situation and ask for their advice. Usually they will give you something you didn?t think of.

  • Being Positive Doesn?t Work
  • This is an excuse a negative and unhappy person would use. If this is you, and you say this all the time, then the only way being positive is going to work is by surrounding yourself with all positive people who don?t bitch and enjoy life.

  • That Self Help Stuff Is A Bunch Of Garbage
  • If you use that as an excuse then your life is probably pretty miserable. One of the best ways to improve every aspect of your life is to improve who you are. If you believe that helping people is a good thing, then helping yourself will work too.

    Top Excuse List Continues Below Isaac?s Content

    Isaac Wilkins

    Isaac Wilkins Top Excuses

    The Biggest Excuse:

    My spouse/significant other/friends/kids don?t support me and are a distraction.

    My response:

    You know what? That?s probably true. You are the sum of the people you hang around with most, and if you?re not as successful as you want to be it?s probably because you hang out with people who are comfortable with their level of (un)success.

    And do you really think that they want you to move up and beyond them? Please. At best that would shake up their world (that they?re happy in) and at worst it would totally change both of your lives.

    So of course they?re not supportive.

    However, they?re not the ones that are standing in my gym. You are. They?re not the ones that say they want to make a change. You are. They?re not living your damn life. YOU ARE.

    So if you want it, then make it happen. Find new, supportive people to be around. Agree to disagree with your spouse. And your kids? Well, it?s probably not their fault? it?s yours. Because you are one of the five influential people in their life and you?re not being as awesome as you could be to drag them up.

    Isaac Wilkins
    www.BeyondTheBarbell.com

  • They Are Better Than Me
  • So what if they are? There will always be people better than you at something. But that doesn?t mean you wont be able to be that good. If you want something bad enough, and work hard enough for it, then others will be using that excuse about you.

  • I Don?t Think I Can Do It
  • Have you at least tried it? How do you know if you haven?t tried it? The other thing is, you only ?think? you?re not able to do it. That?s all this excuse is? a thought. It?s something that doesn?t even exist in tangible form. It?s something you created in your mind. That?s it. Just try it first before saying you don?t think you can do it.

  • I Don?t Have The Support
  • This is a tough one, and a very legitimate excuse. Without support, it makes what you?re trying to do very difficult. If you need support, and are not getting it, then you need to find it somewhere else. Look for a lot of like minded people and ask them for support. Chances are they will give it to you, and motivate you to accomplish what you?re trying to do.

  • I Don?t Need To Change
  • Then you?ll be stuck where you?re at for as long as you are not willing to change. If you want better results with anything, then you need to change. It?s as simple as that. Without change there is no growth or improvement.

  • I Need Help
  • The good thing about this excuse is that if you admit you need help, that is a good thing. But after that, most times help is never sough out. You just keep saying ?I need help.? This leads to you never getting help for what you need. If you admit you need help with something, then make sure you get it? Immediately.

  • It?s Too Late
  • It?s rarely ever too late. Stop using this and just go after it. As long as what you do is valuable and different, it will be useful. So don?t worry about being late to the game. It?s better to be in the game, than not being in it at all.

  • It?s Too Late (Version 2)
  • This one means that is actually too late in the day. Honestly, it?s never too late. If you want to get something done, then get it done. It doesn?t matter if it?s 8am or 3am. The most successful people work whenever they have to to make sure they get everything done.

  • The Government Should Do Something
  • It is. The government is giving you the opportunity every day to live an incredible life where you have the freedom to say and do pretty much anything you want. If you want to see some change in lives, you need to start by changing yours first.

    Top Excuses

  • It?s (Insert Name) Fault
  • Sometimes it is completely someone else?s fault. But that?s not going to fix or change anything. You?ve gotta suck it up, do something about it, and realize that there?s a good chance that you?re partially to blame too. Focus on accepting what?s happened, and doing something about it. That?s the only way to get rid of using this excuse.

  • That?s Impossible
  • No it?s not. If it?s something that you want bad enough, and I mean more than anything you?ve ever wanted before, then it?s possible. If you want to be the first person to be a trillionaire, then you can do it. But you are going to have to want it more than anyone else, and work harder then anyone you know to get it.

  • No One Will Trust Me
  • Are you sure about that? Do your family and friends trust you? If so, then it?s almost a definite that others will trust you. You just have to put yourself out there, and be willing to trust yourself.

    Top Excuse List Continues Below Sam?s Content

    Sam Bakhtiar

    Sam Bakhtiar Excuse

    The Biggest Excuse:

    I don?t have the money

    I know that can completely be a legitimate excuse but can it??
    I can?t think of a better investment than investing in yourself. Let ?me explain. There are 4 types of capital. The one that we all usually think of is money (financial capital)

    Believe it or not financial capital is the least important type of capital. Why? Because financial capital can run out or be taken away.

    It?s well documented that almost all lottery winners will lose their new fortune. Why?

    Only one type of capital, that?s why

    So let?s talk about other types of capital

    1) Relational Capital: Relationships that you build with people over the years. Every day we must increase our relational capital and strive to have better relationships. Good relationships= Great opportunities

    2) Social Capital: We need to strive to ?GIVE BACK? ?whether it?s money, advice, or just taking the garbage out for our neighbors we must give. The more you give = The more you get.

    3) Educational Capital: We all heard the quote by Jim Rohn ?formal education makes you a living but self education will make you a fortune?. ?It?s true. We must always INVEST in our self education.

    So there you have it. Invest in yourself it?s the best investment ever. Nothing that I know of will get you a better ROI ;)

    Sam Bakhtiar ? AKA 7 Figure Sam

    www.Super-Trainer.com

  • I Don?t Want To Have A Bad Reputation
  • If you are using this excuse then you might want to ask yourself ?what am I doing that could cause me to have a bad reputation?? If you?re honest, transparent, and provide value, then you will never have a bad reputation. But if there is any question that what you?re doing is a little funky, then you might end up with this reputation.

  • What If I Look Stupid?
  • Then you look stupid. If you want to make a better business or life for yourself, you are going to have to do things you are uncomfortable with. Sometimes that means you end up looking like an idiot. If you are afraid of looking stupid, then you will never take the steps you need to reach your goals.

  • I Don?t Want To Upset Anyone
  • If you?re looking to have a great life/business then you have to accept that you will upset people from time to time. But if you have a good heart, do the right thing, and provide value then you will be able sleep at night.

  • This sucks
  • Yeah I?m sure it does. A lot of things suck. But what are you going to do about it? Instead of bitching about it, do something to change it. Once you take action towards that thing that sucks, it doesn?t suck anymore.

  • It was handed to them
  • OK, maybe it was. But what does that have to do with you? They might have been given the keys to the kingdom, but it doesn?t mean you can?t have it too. You just have to work to get it. Chances are, when you mention ?it was handed to them,? you really have no clue if it was or not. You just see the results they are having and not the hard work they had to put in to get it.

  • But?
  • A lot of times when you use this word it creates a question in your mind. Once there is a question in your mind, there is a reason for you to think it?s not possible. This one word is very powerful and can literally change the outcome of any major decision you have. So be very careful about when you use this word.

  • I just think?
  • 9 times out of 10 when you say this phrase it means something negative will follow or you don?t think you or someone else can do it. Just eliminate it from your vocabulary and focus on what actually can be done, and not what can?t.

  • I Don?t Know
  • This is a big excuse but one that is not really looked at as one. If you think about it though, most times you say you don?t know, it means you are making an excuse for not making a decision. Chances are you do know the answer, but you just don?t want to make it right now. The faster you can make a decision, usually the better off you will be.

  • I Don?t Care
  • Actually if you use this, then chances are you care more then you would like others to let on. This is an excuse that is usually used to brush off something that needs to be done. By saying that you don?t care, means that you don?t want to put in the work needed or make the decision to get it done. If you really don?t care then you would do it without hesitating.

  • It?s Too Dangerous
  • This is very similar to ?It?s Too Risky.? If you?re about to jump out of a plane without a parachute, then yes it?s too dangerous. But If you want to do something with your life and take a chance to do it, it?s usually not as dangerous as others make it out to be. Most of the people who say it?s too dangerous have never tried it themselves. You need to try it before you decide it?s too dangerous.

    Whew, there ya have it. 101 top excuses that can really screw things up for you. The crazy thing is, there are a million more excuses but this covers the big ones.

    If I missed one of the big ones on here, just make sure to add it to the comment section below.

    Don?t make an excuse not to comment ;)

    Some photos provided by Exfordy and Point-Zero

    Source: http://www.fitnessbusinessinterviews.com/excuses-that-will-f-up-your-life/

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