Citigroup could be surprise winner in stress tests

(Reuters) - Citigroup Inc may be a surprise winner when the Federal Reserve reveals the results of bank stress tests designed to gauge the health of the biggest U.S. banks.

The third-largest U.S. bank may receive permission to increase its penny-per-share quarterly dividend, analysts say, something long-suffering shareholders have been waiting for since the payout was slashed after a series of government bailouts.

Stronger banks such as Wells Fargo & Co are also likely to see another round of dividend increases, while Bank of America Corp and other banks still trying to rebuild their capital, such as Regions Financial Corp, will be left out.

The results, expected by Thursday, could boost stock prices for some banks, and undercut this year's appreciation for others, analysts said.

Analysts generally expect banks to pass the tests, which are meant to show how they would perform in an economic crisis. But investors will be closely watching how generous the Fed is in allowing banks to increase dividends and repurchase shares.

Bank stocks have surged so far this year, with the KBW Bank Index <.bkx> climbing 16 percent. But investor sentiment could get a reality check from the results, said Sterne Agee analyst Todd Hagerman.

The Fed is seen being more conservative than it was in 2011 in approving dividend increases and share buybacks. Regulators continue to worry about the health of the financial system, the global economic outlook and future earnings growth, he said.

"Given that conservatism, I think it's premature for these companies to be thinking about releasing so much of the hard-earned capital they accumulated such a short time ago," Hagerman said.

Banks whose shares could be boosted by the results include PNC Financial Services Inc , Fifth Third Bancorp , Wells Fargo, BB&T Corp and US Bancorp , Hagerman said.

On the other hand, Bank of America, SunTrust Banks Inc , KeyCorp and Zions Bancorp could see their stocks negatively affected.

Please see graphic: http://r.reuters.com/gun96s

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In this year's version of the stress tests, the Fed is once again examining 19 large banks to determine whether they would be able to maintain a sufficient level of capital in a worst-case scenario that includes 13 percent unemployment. In addition, the Fed is also subjecting another 12 banks with assets between $50 billion and $100 billion to less stringent reviews. Unlike last year's tests, the Fed plans to publicly disclose details of how the banks performed.

In its instructions to the 19 banks, the Fed said it expects capital plans submitted by the financial institutions to reflect "conservative common dividend payout ratios." Payout ratios of more than 30 percent of earnings will receive "particularly close scrutiny," the central bank said.

"NO-MAN'S LAND"

A Fed-approved dividend increase would be a significant stamp of approval for Citigroup, one of the most damaged financial institutions during the financial crisis. The New York-based bank could raise its quarterly dividend to 10 cents a share from its nominal level of a penny, according to some analysts.

"We think the market is still underappreciating (Citigroup's) capital return potential," Oppenheimer analyst Chris Kotowski said in a recent report. Citigroup has the greatest potential of the major banks of positively surprising Wall Street, he said.

Stock buybacks could also be ahead for Citigroup.

"Some of our peers were buoyed by the ability to buy back shares, an option we lacked," Chief Executive Vikram Pandit wrote in his letter to shareholders in Citi's 2012 annual report, released last week.

"In the final analysis, the value that we all want to see reflected in our share price will be most apparent when we can meaningfully return capital to shareholders," wrote Pandit.

Nomura analyst Glenn Schorr said a dividend increase for Citigroup would be a sign that the company is getting control of its balance sheet and starting to build capital. The company still has work to do to finish cleaning up its mistakes, he said.

To be sure, Citigroup will still trail its other big bank peers significantly in returning capital to shareholders.

According to Raymond James analysts, Wells Fargo could get the go-ahead to increase its annual dividend to 72 cents per share from 48 cents, while JPMorgan Chase & Co may get permission to go to $1.30 from $1. Both banks are also expected to buy back more shares.

Bank of America, though, will not be among the banks boosting payouts.

After the Fed denied its request for a dividend increase last year, the bank's executives did not ask to raise its penny per share dividend or buy back shares. Instead, the bank in the past year has focused on improving its capital measures by selling non-core businesses, shedding risky assets and improving earnings.

Last year's rejection was an embarrassment for CEO Brian Moynihan and highlighted the challenges the bank faced in recovering from its 2008 Countrywide Financial acquisition, which saddled the bank with mortgage-related loses and lawsuits.

Bank of America finds itself in a "no-man's land," in which it has no need to raise fresh capital by selling stock to investors but it trails its peers in meeting new international capital standards, said Marty Mosby, bank analyst at Guggenheim Partners. The bank should meet these so-called Basel III standards before a fully phased-in date of January 1, 2019, but other banks will get there faster, he said.

An important thing for investors to watch in the results will be the Fed's determination of the bank's potential mortgage losses, Mosby said. One of the key questions about the bank is how much it will ultimately have to pay to cover requests by investors to buy back soured mortgages the bank sold them during the housing boom.

Among other major banks, Goldman Sachs Group Inc executives have not indicated whether they have asked for a dividend increase or the ability to buy back more shares. After last year's tests, Goldman redeemed shares held by Warren Buffet's Berkshire Hathaway Inc .

Morgan Stanley has said it is focused on increasing the firm's investment in its Morgan Stanley Smith Barney brokerage joint venture.

(Reporting By Rick Rothacker in Charlotte, N.C.; Additional reporting by Lauren Tara LaCapra, David Henry and Jed Horowitz in New York; Editing by Tim Dobbyn)

Source: http://news.yahoo.com/citigroup-could-surprise-winner-stress-tests-154634050.html

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How To Throw Those Cigarettes Away For Good | What is Health ...

There are risks with utilizing therapies such as scopolamine or atropine to assist you quit smoking. While they can assist ease up the nicotine withdrawal symptoms, they can adversely have an effect on the nervous method. Side effects can incorporate blurred visions and dizziness, as nicely as constipation and difficulty urinating. You do not have to have to replace one predicament with a host of other people.

You need to have to obtain things you can occupy your hands and mouth with, as you are attempting to quit. Possibly you would be comfortable holding a toothpick in your mouth to combat the oral fixation. You may perhaps also try Tic-Tacs or gum. Be certain to steer clear of greater calorie foods, on the other hand, so that you don?t make a weight issue although attempting to quit smoking.

Use the funds you are saving toward purchasing bottled water when you initially quit smoking. Staying thoroughly hydrated is no complete substitute for nicotine, but it will mean one thing continuously in your hand and going in your mouth. The extra water intake will also support you to flush cigarette-connected toxins out of your physique. Lastly, soon after the cravings have subsided, transfer your water dollars into reward funds.

The greatest guidance to begin quitting is to merely cease smoking. This is the greatest approach of starting your quest. Just quit smoking and do not ever start out again. Quitting outright may well seem difficult at initial. In the lengthy-term, the process is the successful one particular.

When most smokers what to quit smoking, most of them are unsuccessful at it. In order to effectively quit smoking, people have to have two things: a program of action, and adequate motivation to preserve going when quitting becomes challenging. Read on to understand a couple of tips that can support you to format your personal plan of attack against smoking.

Generally, you will be able find the best e_cigarettes by seeking online for the best electronic cigarettes that lists other reviews and comparisons by e-cig consumers like you.

Source: http://whatishealthandfitness.co.uk/how-to-throw-those-cigarettes-away-for-good/

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Improvement to trade a house | Effe Leven Gallery: Articles Galore

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Recall For the reason your Home improvement just before Home improvement

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Source: http://effelevengallery.com/improvement-to-trade-a-house

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Secrets to the Best Barbecue Steak | The Good Pour

Secrets to the Best Barbecue Steak

Posted by Susie Hindle Kher in Food and Drink on March 10, 2012

You can say what you want about chicken wings or hamburgers, but steak is always the main attraction at any barbecue. It?s is a symbol of what barbecue food is all about ? home-cooked, wholesome, juicy, and loaded with bold flavor. When it comes to steak, a frying pan or indoor electric grill never comes close to the authenticity of barbecue. It is perhaps the ultimate pairing of a food and a cooking process that result in something entirely unique. And the best thing is, you don?t have to be a trained chef to the grill restaurant-quality steak in your own backyard. You do however, have to be willing to put in the effort to building up your own skills while buying quality cuts of meat. Let?s take a look at some secrets for getting the best barbecue steak the next time you fire up your grill.

Your Cut of Meat

It?s really a simple matter of science here. Different cuts of meat have different fat compositions and they will be more tender or tougher depending on where they come from. You don?t necessarily have to go with the most expensive either since something like filet Mignon might not be the best fit for a more old-school meal. Porterhouse is always a great choice, or a cheaper alternative is a classic T-bone steak. Strip steaks work well too if you want something leaner without being super tender. A good all-around choice would be top sirloin which mixes flavor with affordability.

Salt or No Salt

There is a bit of debate in the barbecue community over whether to salt beforehand or not. You can do a bit of your own research to see what your favorite chefs say. But whether you do it an hour beforehand or right before your steak hits the grill, no one will deny that you have to put salt on your steak for basic flavor. Pepper too!

Room Temperature

Don?t take your steak from the fridge and put it right on your grill. This can serve as a shock to the meat that results in a less tender product. Let your meat reach room temperature first and you?ll have a much easier transition towards a well-cooked scrumptious steak.

Gas or Charcoal

This is a matter of personal choice and what you already own in your backyard. Traditionalists will claim that charcoal BBQs (like these ones) are the only way to barbecue high-quality cut of meat. It?s hard to argue this fact, but it?s obviously not as convenient. So if all you have is a gas grill, you can still get a nice charbroiled effect, especially if you happen to have a Weber model with a sear station.

Cook it Right

You might be dealing with high temperatures and flames dancing all around your grill. But the process of cooking shouldn?t be hectic or fast-paced. In fact, all you have to do is let your steak sit on the grill until that first side is done. You can rotate it once if you like to get those signature barbecue marks that everyone loved so much. But after that first side is nicely seared, all you have to do is flip it over again to let the process finished. And that?s it, don?t start moving it around or pressing down with a spatula to speed up the process. And no matter what, don?t cut into it beforehand to see if it?s ready-to-eat. All the juices will spill out into your grill, and you?ll be left with a dry piece of overcooked leather.

Let it Rest

Barbecue is truly an exercise in patience because you?re not allowed to eat just yet. Let your steak sit and rest comfortably so that the internal juices can redistribute. This will ensure that you get a fully juicy steak, and don?t worry it?s not going to get cold.

The Perfect Sides

Steak is a main feature but it?s only as good as what goes alongside it. So make sure that you put some thought into the perfect sides that combine help with flavor. There?s lots of choice in the world of vegetables, and you might find its duration from other cultural foods as well. When you come up with a creative medley of sides to go with your perfectly grilled steak, it?s an experience like no other.

The Right Wine or Beer

Grilled steak is best complemented by a hearty, tannic red wine or a hoppy brown ale. A big California Cabernet Sauvignon, for example, will stand up and match the steak?s intensity. A white wine paired with steak isn?t a no-no, but the steak will overwhelm the flavors of your white wine. For beer lovers, a red, like Elysian Brewing?s ?The Men?s Room? Original Red Ale, would be a perfect complement to a hearty steak. And, it wouldn?t be any fun to barbecue if you didn?t pour a mug or glass of our favorite beer or wine while you?re grilling your steak on the BBQ.

This look at grilling steak comes to us from Gas Grills and BBQ where you can find more recipe ideas and information on outdoor cooking. Or more importantly, it?s a perfect place to find reviews if you?re looking to upgrade your current model.

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Related posts:

Source: http://blog.letspour.com/wine2012/beer03/secrets-best-barbecue-steak/

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War of 1812 bicentennial committee needs support from community

By Kris Dub?

Posted 2 hours ago

The War of 1812 Bicentennial Celebrations are well underway, and the Fort Erie planning committee is preparing for a very exciting and event-filled 2012.

Project Coordinator John Johnston met with the Times this week to highlight some of the upcoming events that will be part of the lengthy historic celebration.

The biggest event happening in Fort Erie this year will be the Grande Military Parade, taking place on June 23. There will be over 50 military marching bands, including the Central Band of the Canadian Armed Forces, along with many others from across North America and the U.K. Following the parade will be a Military Tattoo held at Old Fort Erie, and the night will end with a fireworks display.

The only funding that has been solidified at this point is $200,000 from the Town of Fort Erie, approved in the budget process earlier this year, and some other small sponsorships and government grants.

Hoping more money is filtered through from both the federal and provincial governments, Johnston says the show must go on, and would like to extend an invitation to the people of the region to enter a float or display in the parade.

"This is going to be a major community event and there is room for more participation," said Johnston. Entry forms for floats and displays can be found on the Bicentennial?s website at www.forterie1812.ca.

With June right around the corner, there is a lot of planning that still needs to be done, but things are looking pretty good.

"We still have time, but time is passing," said Johnston, who also anticipates the grand parade to be the biggest War of 1812 bicentennial event held in North America in 2012.

In August, the bicentennial committee will also present another theatre production at the Old Fort Erie Welcome Centre.

This will be a follow-up to the Lion and the Eagle, which was performed during the month of January as the official launch of Fort Erie?s 1812 bicentennial celebrations.

Selling out all eight of its performances, Johnston said the play was a huge success, and wishes more people in the community were given the chance to experience it.

Johnston did say that the committee was a little disappointed in the lack of interest and participation from schools in the area.

While some have been great supporters and have shown a definite interest in being involved, others appear to not see the significance of this once in a lifetime celebration.

?This is the biggest national historical event since Centennial Year?, said Johnston. ?We would hope the schools see this as an opportunity and participate.?

Slowly there seems to be more interest as the events begin to unfold, including on Facebook and Twitter where people are beginning to provide comments and ask questions about upcoming events.

"A lot of people are becoming interested," he said.

The next event is a Canada versus U.S. hockey game on April 7 at the Leisureplex.

The game starts at 7pm, and tickets are available at the door, $8 for adults and $5 for kids. To help show our Canadian spirit, kids under 12 dressed in Canadian apparel get in free.

Anyone who would like to volunteer or provide assistance in any way can visit www.forterie1812.ca to locate contact information. A full list of events are also on the website.

Source: http://www.forterietimes.ca/ArticleDisplay.aspx?e=3496931

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Exclusive: Google leans on developers to use payment service

SAN FRANCISCO (Reuters) - Google Inc has been pressuring applications and mobile game developers to use its costlier in-house payment service, Google Wallet, as the Internet search giant tries to emulate the financial success of Apple Inc's iOS platform.

Google warned several developers in recent months that if they continued to use other payment methods - such as PayPal, Zong and Boku - their apps would be removed from Android Market, now known as Google Play, according to developers, executives and investors in mobile gaming and payment sectors.

Developers say the Internet search giant is trying to simplify consumer payments, hoping apps-buying will rise and offset their higher costs. Google's payment service charges a higher cut per transaction than some rivals'. But the move also suggests Google is using its powerful position in the mobile apps market to promote an in-house offering.

"Although this move by Google might seem high-handed, it reduces the friction for purchases inside Android apps and therefore makes users more valuable," said Hugo Troche, chief executive of Appsperse, a cross-promotion network for app discovery.

A Google spokesman said on Friday that its policy had not changed, pointing to a clause in its Android developers agreement that requires developers who are charging for applications and downloads to do so using an authorized payment processor. Android Developer Program policies include two exceptions related to purchases of physical goods and digital content such as music that can be consumed outside apps.

The spokesman declined to comment on whether Google had stepped up enforcement of its policies in recent months.

Android Market, or Google Play as it is now known, is the company's answer to Apple's apps store, where consumers browse and buy or download everything from games and music to individual software or applications. Google wants Google Wallet to be the dominant way that people pay for anything on this platform.

In one email sent to a developer in late August, Google said the developer had 30 days to comply, otherwise the developer's apps would be "suspended" from Android Market. Reuters obtained a copy of the email this week.

"They told people that if they used other payment services they would be breaking the terms of use," said Si Shen, founder and chief executive of Papaya, a social gaming network on Android. "Whether it's right or wrong, we have to follow the rules."

Papaya placed social games on Android more than two years ago. At that time, the search company's payment service - now known as Google Wallet - was not available for Android app payments, Shen explained.

She said Papaya used PayPal, owned by eBay Inc, and Zong, a mobile payments company that has since been acquired by eBay. Papaya has now dropped PayPal and Zong in favor of Google Wallet for in-app billing, she said.

"If we had a choice, the freedom to choose which billing service, then that's even better. But if we have to follow the rules, we will," she added. "I want to maintain a very good relationship with Google. We are very collaborative. It's very important to the business."

MOTIVES

The initiative is important for Google. While Android Market has been a hit in terms of the number of smartphones using the platform, there has not been a commensurate increase in purchase activity by users.

In early 2011, Android platform manager Eric Chu told a conference that while the number of Android smartphone users was surging, the number of purchases of paid apps in the Android Market was not doing nearly as well, Forbes reported.

This is partly because the buying experience has been varied and confusing for users - reducing the chance that they will go through with a purchase, something known as conversion.

By pushing all app developers to use Google's payment system, the experience should be simpler, increasing conversion.

"On Android it used to be laissez faire - you could use any payment provider you liked," said Todd Hooper, chief executive of Zipline Games.

"It's probably naive of developers to think they could keep choosing different payment providers," he added. "If purchasing on Android is all over the place, that is worrying."

Apple's iOS platform generates higher conversion rates mainly because the company required developers to use its own payment system from day one, according to Hooper and others.

"This is one of the things that has helped Apple succeed," said Charles Hudson of Bionic Panda Games, an Android-focused mobile social games company in San Francisco. "Every single developer is using the Apple payment system. Google sees the benefits that provides for the Apple platform and wants to create a similar system."

When Bionic Panda started on Android Market about a year ago, Google Wallet was not available, so the company used PayPal initially, Hudson said. It switched exclusively to Google Wallet around the spring of 2011, he added.

Developers using Google Wallet typically have to pay Google a 30 percent cut of revenue from purchases - higher than the cut taken by rival third-party payment services.

But Hudson and other developers said this may be worth it, if conversion rates increase.

When Bionic Panda dropped PayPal it lost some customers, but there was "an overall lift in conversion and monetization on a per-user basis," Hudson said.

"Without having to chose your payment option it's closer to the one-click experience of the Apple iOS platform," he added. "The convenience factor would outweigh customer losses."

(Editing by Edwin Chan and Matthew Lewis)

Source: http://news.yahoo.com/exclusive-google-leans-developers-payment-011038563.html

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Lenovo ThinkCentre PCs recalled over fire hazard defect

Lenovo is recalling more than 50,000 of its PCs due to a possible fire risk. The 2010 ThinkCentre M70z and M90z both house a defective component in their power supplies that can overheat. Worse still, the power units are embedded within these all-in-one models and so are not readily replaceable. The manufacturer is arranging appointments to fix the power supply problem. Fire-averse customers can double-check all the details at the source below.

Lenovo ThinkCentre PCs recalled over fire hazard defect originally appeared on Engadget on Fri, 09 Mar 2012 08:17:00 EDT. Please see our terms for use of feeds.

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Source: http://feeds.engadget.com/~r/weblogsinc/engadget/~3/t1B7uvaFu7s/

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Forget Boheme! Royal Opera showcases breakdancing

LONDON (Reuters) - It could have traditionalists gagging on their champagne, but the next production on the Royal Opera House's main stage in the UK capital will feature a troupe of breakdancers spinning and body-popping to the music.

"Miss Fortune", a new work commissioned jointly by Covent Garden and the Bregenz Festival in Austria, is by British composer Judith Weir and transports an old Sicilian folk tale into the present day.

In the updated version, Tina, the Miss Fortune of the title, falls on hard times after she breaks away from her wealthy parents when they lose most of their riches.

She encounters gangs, a kebab van and a sweatshop before love and the lottery offer the possibility of a better life.

But it all depends on Fate, who pulls the strings with the help of a sinister group of young "enforcers" played by the Soul Mavericks dance troupe.

Ajay, one of six members of the award-winning group taking part in the production, called the venture "untouched territory.

"At the end of the day it's art, so everyone is going to have different opinions," the 25-year-old told Reuters in between rehearsals at Covent Garden, the central London home of a Royal Opera House more used to ballet than breakdancing.

"I really loved doing the show. It's something completely different."

Weir said the breakdancers were not originally her idea, but were suggested to allow Fate to manipulate events on stage.

"LIFETIME MOMENT"

While the theme of losing and winning a fortune resonates with audiences today, the composer and librettist did not want her work to be seen as a social commentary.

"It's not very interesting just to do this polarity between the filthy rich and the very poor, although we caricature those in a way in this piece, but there are also people in the middle," Weir said.

The composer called the show a "lifetime moment" that was rare in a world where new works were few and far between. "The chances are so rare to do it, and the big question is how people build up their craft?

"There are a certain amount of opportunities to do smaller scale work and I think that can often be really great, but to have all the resources of one of the biggest opera houses, it really does not happen to people very often."

Emma Bell, singing the lead role, stressed the importance of commissioning new music.

"I think that the way forward for opera is new work ... I think that it needs to move on from that place (familiar repertoire)."

Introducing new operas, and new ideas to old works, is fraught with difficulties, especially because the costs of staging an opera are high and audiences tend to flock to see "classic" productions.

Tickets sales for Miss Fortune, which opens on Monday, March 12, have been slower than hoped.

One reason may be negative headlines surrounding the current production of Dvorak's "Rusalka", which was booed at its opening last month by audience members who objected to its setting in a seedy modern-day brothel.

Reviews were mixed, however, ranging from one star out of five to five.

Covent Garden famously staged another new opera last year based on the life of Playboy model Anna Nicole Smith. The controversial project won over at least some of the critics, with the New York Times calling it an "improbable triumph".

(Reporting by Mike Collett-White)

Source: http://news.yahoo.com/forget-boheme-royal-opera-showcases-breakdancing-113745255.html

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Lehman emerges from 3.5-year bankruptcyeShareholder ...

By Caroline Humer

(Reuters) - One-time financial powerhouse Lehman Brothers emerged from bankruptcy on Tuesday and is now a liquidating company whose main business in the coming years will be paying back its creditors and investors.

Lehman, whose September 2008 collapse is often regarded as the height of the financial crisis, will start distributing what it expects to be a total of about $65 billion to creditors on April 17, it said in a statement.

That first group of payments to creditors, many of whom lost money in its collapse 3-1/2 years ago, will be at least $10 billion, Lehman has said previously.

The move is a legal milestone, but does not indicate the immediate end of Lehman Brothers. The company will continue to operate, in the same midtown Manhattan headquarters it was in before bankruptcy, albeit on fewer floors, as it sells off its remaining assets before finally closing up shop.

"What our people were doing yesterday and what they are doing today has not changed," said Steven Cohn, an employee of restructuring firm Alvarez & Marsal who has worked as Lehman's treasurer since the bankruptcy began.

Now, however, the company has freedom to operate more like any other company outside of bankruptcy, he said. For instance, now that it is out of bankruptcy, Lehman no longer needs to ask court permission for every asset sale.

At the peak of its bankrupt operations, about 735 people were working at Lehman, compared with about 433 in January of this year. That's down from the 25,000 people Lehman Brothers employed before bankruptcy when Chief Executive Richard Fuld still ran the show . A new board will oversee the post-bankrupt company, Lehman said.

Lehman's bankruptcy exit comes amid economic uncertainty, as signs of a U.S. economic rebound, with lower unemployment, are tempered by a massive Greek debt restructuring and gloomy outlook for many European economies.

Still, it is far from the economic crisis that had engulfed the world's economies in 2008 when Lehman Brothers Holdings Inc filed its record $639 billion bankruptcy, 1,268 days ago. Its businesses around the world collapsed, and investors from the smallest towns to the largest pension funds lost money.

Lehman's fall rocked the foundations of global financial markets and contributed to the unfolding of the Great Recession.

PAYING BACK CREDITORS

Some of Lehman's most public bankruptcy negotiations focused on its reorganization plan, as it worked to get investor groups, including Wall Street firms like Goldman Sachs Group Inc and hedge fund investors such as Paulson & Co, to agree on how much it would pay back each class of creditor.

In the end, they agreed that creditors, depending on their type of debt, will receive from about 21 cents to 28 cents on the dollar. Creditors had asserted more than $300 billion in claims.

"It was an extremely difficult and enormously time-consuming case," Harvey Miller, Lehman's lead attorney, told Reuters. "I had to increase my high blood pressure pills."

Bankruptcy Judge James Peck approved the creditor payback plan in December and Lehman has since been settling claims and selling assets. The company, which has about $35 billion in cash, is due to make a second payment to creditors in September and then will continue to make periodic distributions in the future as it sells off its remaining estimated $30 billion worth of assets.

Among the most notable of those holdings is the Archstone apartment real estate company.

CLAIMS, LAWSUITS REMAIN

While daily bankruptcy supervision is beh ind Lehman, the court process will continue for years due to various claims and lawsuits, adding to the more than 26,000 entries already on its court docket. The costs will continue to mount as well, although at a slower pace. As of January, it had spent more than $1.58 billion on professional fees, including lawyers and advisers.

Lehman still has several lawsuits related to the bankruptcy that are expected to go to trial, including with JPMorgan Chase and Nomura Holdings.

In addition, a separate proceeding continues for brokerage customers where the U.S. government is gathering funds to pay them back.

The case is In re Lehman Brothers Holdings Inc, U.S. Bankruptcy Court, Southern District of New York, No. 08-13555.

(Additional reporting By Nick Brown and Jon Stempel; Editing by Gerald E. McCormick and Tim Dobbyn)

Source: http://www.eshareholder.com/lehman-emerges-from-3-5-year-bankruptcy/

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Video: Newlyweds: Overcome stress hurdles

Sorry, Readability was unable to parse this page for content.

Source: http://www.msnbc.msn.com/id/21134540/vp/46638800#46638800

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Jessica Simpson Goes Nude (and Confirms It?s a Girl)

The Fashion Star mentor confirms she's having a girl in her (nude!) ELLE cover story - and says her daughter will have a nontraditional name.

Source: http://feeds.celebritybabies.com/~r/celebrity-babies/~3/EzYgHDMq2bM/

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Oncology and Hematology | Friends of Labor

Oncology and Hematology are two various branches of medical science that concentrate on regions that frequently overlap each other. How this can be so will require an explanation of both hematology and oncology as separate research.

Hematology

Hematology especially offers using the blood and blood forming organs, also as disorders that influence these areas in the human body. It is truly a branch of internal medicine with several internists taking the hematology field as a subspecialty.

The internist specializing in hematology, or just the hematologist, concerns himself with blood-related conditions, ranging from the common iron deficiency anemia to cancers originating inside the blood, to rare types of abnormal blood coagulation.

So that you can diagnose a person, the hematologist makes use of a number of test methods, most frequent of which can be the blood test, itself consisting of several approaches to acquiring blood test outcomes.

Oncology

Oncology would be the study of distinct malignancies or cancers. These cancers might occur in any portion in the body, presenting itself as an abnormal growth of cells ? a outcome of the abnormal chromosome that is in turn a outcome of either harm or a genetic alter.

The damage causes the cell to develop rapidly and begin to multiply until it types a lump or a tumor. The tumor is usually either malignant or benign. If benign, tumors is usually left alone because they do not invade other cells. On the other hand, if the tumors are malignant, these tumor cells might spread to other websites by shedding off and flowing via the bloodstream and commence other growth. When cancer spreads, the approach is known as metastasis.

Oncology concerns itself using the diagnosis and treatment of all types of cancers ? breast, prostate, colon, lung, ovarian, brain tumors, leukemia, lymphoma, amongst other people. Given that some cancers involve the blood, the connection amongst oncology and hematology is established that way.

Hematology and Oncology ? Methodology and Therapy

Hematology and oncology specialists often come across that they have to operate hand in hand if the case entails any with the cancer sorts that have an effect on the blood. Just after the hematologists conduct blood tests and obtains correct diagnosis with the blood cancer, the oncologists will start therapy.

Treatment procedures might involve chemotherapy, radiation therapy, surgery, bone marrow transplants, stem cell transplants, and also other specialized procedures.

The most common disease that specialist in oncology and hematology will frequently face is leukemia, that is a condition wherein the amount of white blood cells overwhelmingly offsets the levels of red blood cells inside the blood. The illness can often be traced to an autoimmune defense failure wherein the lymphocytes (white blood cells) mistake red blood cells as foreign bodies and go on to destroy them.

In treating leukemia, the objective of oncology and hematology specialists is remission. This implies that just about every step has to be taken so that you can return the patient to a somewhat extra usual white blood cell count. bangor house cleaning

Source: http://amigosdoparto.com/health-and-beauty/oncology-and-hematology/

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Lauren Tai: All Problems Have Solutions

Its name was Marty. It, the thing I had no respect for and despised the most above all. It had neither family nor friends. Marty sprung out of nowhere.

How it did so, I had no idea. I woke up one day, and boom, there it was, mocking me every time I would lay my eyes on it. Marty's grotesque physicality left me embarrassed at times, even when I was around my friends, teachers, and family. I was uncomfortable for days. Marty was annoying and obnoxious, and even lowered my self-esteem.

It became the enemy.

I was still growing when I met Marty for the first time in seventh grade. It besieged itself on me abruptly, and Marty could not seem to understand that it was not welcome in my life. I did not want to be friends. At the time, I did not know why it chose me, of all people, and I grew rather perplexed over its intentions.

I told myself I would try to destroy it in any way I could. I tried covering it up the best I could, but it was too dominant, too powerful for me to handle.

And so the battle began.

As I saw Marty expanding in size, I went along and pierced it the next day. I wanted to squeeze the life out of it, watch it suffer and succumb to my superior forces. Marty was in searing pain, as if begging me to not hurt it anymore. At first, I thought I had won easily. However, in contrast to my fantasy, it took even more days to demolish such an invincible creature.

The more that I had poked or scratched Marty, the more obnoxious it seemed to grow. I apprehended later that if I left it completely alone, it would have slowly stopped annoying me and left me in peace.

That was when I realized the most crucial life lesson I probably would not have learned any other way. Being an 11 year old, I was still trying to make sense of the natural processes of life and what it meant to grow up. As loathsome as Marty's attendance was to me, I learned to change my mind about our time together. When Marty mysteriously left, I was overjoyed, but soon observed that Marty did not only target me, but also my friends.

I did not feel so bad after realizing this.

Marty was life-changing. I see its time with me in a new light now, with Marty as more of a constructive friend. Its short appearance in my life left the deepest mark. This is because at the time, I was not accustomed to handling different, troubling situations until I met Marty. If I ever had a problem, I would tell my parents, or an adult, and they would solve it for me. However, with Marty, it was different.

Marty became the bridge to my maturity. Through this experience, I learned that I am the one who needs to overcome my own problems. Problems are shameless because they happen to everyone. I learned to deal with imperfections and to compromise in order to find solutions for them. I learned that no one is perfect.

I found out that coping with a complication such as Marty was achievable even when I thought it would be the impossible. I was able to coexist with a problem in peace. This brought me to realize that all problems do come with solutions no matter what the circumstances are.

After all, Marty was only a pimple.

?

Source: http://www.huffingtonpost.com/lauren-tai/all-problems-have-solutio_b_1316852.html

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Safety Tips For Individuals Wearing Contact Lenses | New Health ...

New Health And Fitness.Org - Health Information You Can Use

There are many individuals around the world who would rather wear contact lenses than a pair of eyeglasses. There are risks, though, to wearing contact lenses, including, but not limited to damage to the external film on the eyes, cornea irritation or eyelid irritation. The best way to lessen the likelihood of any of these conditions appearing is to avoid excessive wear of contact lenses, including overnight wear.

A lot of people prefer disposable contact lenses as they need not be cleaned in order to use, and unlike reusable contact lenses, have a lesser likelihood of being infected by bacteria. It is important to keep reusable lenses sanitary at all times by disinfecting them and cleaning them daily ? this also helps facilitate clear and proper vision.

Along with most prescriptions, an optometrist will provide advice on cleaning, wear time and maintenance. The individual wearing contact lenses must exercise discretion when using certain cleansers, as they may be specially designed for specific contact lenses ? it would behoove the wearer to always read the label on the solution before purchasing. One thing that all solutions have in common is that their container should remain closed while not being used. An individual may have allergies to some of the ingredients, so one must be judicious when shopping for cleansers used on contact lenses. Such sensitivity must be attended to with alacrity by visiting a health care professional or optometrist to avoid potential issues.

Contact lenses have a lot of similarities to different types of medication with bespoke prescriptions for the individual. Hence, it is not at all acceptable for an individual to share their lenses or use somebody else?s lenses. One would easily surmise that this could lead to damaged lenses and eye infection. In severe cases, the contact lenses may have to be professionally removed if they are inserted into the eye of anyone other than the intended wearer. Severe swelling, infection and eye damage are all possibilities of this action.

As an aside, one other essential facet of caring for contact lenses would be the wearer washing his or her hands completely before touching their eyes or the lens itself. Avoid using bold soap types ? a mild soap without moisturizer or potential allergy stimulants must be used to avoid any potential eye infections or injuries.

Disclaimer ? the information discussed heretofore should be strictly treated as research material and nothing more than. It should not be considered as, or used in place of, medical advice or professional recommendations for the intended use of contact lenses. Anybody who needs assistance on the fitting of, use of or any other information regarding contact lenses must consult either an optometrist or similar health care professional.

Many people misunderstand medicare part f and its benefits.

Source: http://newhealthandfitness.org/2012/03/04/safety-tips-for-individuals-wearing-contact-lenses/

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Luxury Condominiums on Longboat Key

Sarasota Florida is known for its terrific year round warm weather, azure ocean and recreational possibilities. But did you know that it is also popular for its high end living standard and the properties available. You find these homes both on the mainland or on its barrier islands, in particular on Longboat Key. Living on Longboat Key is comparable to being on a continuous tropical island holiday . Countless numbers visit Sarasota yearly with many returning to get a new main residence through searching Longboat Key real estate for sale listings to be able to retire. One thing is for sure, after you pay a visit to Sarasota, you?ll come back time and again.

Longboat Key real estate for sale delivers the fantastic life-style that everybody wants. Beach, golf, tennis, sailing, sportfishing, the sunshine, fabulous sunsets, cool sea breezes all are found here in this tropical island paradise. Longboat key is the biggest of Sarasota?s barrier islands, stretching from St Armands Circle to Anna Maria Island in fact it is where the upper end residents live. The year around populace of the isle is approximately 8000, and goes as high as 20,000, or more during the winter months.

The very high end property that comes up for sale on Longboat Key is categorized into two categories, stunning single family homes, and elegant condominiums like those found at the The Sea Gate Club Longboat Key are a good example of the properties for sale on Longboat Key, all of which are viewed as to be many of the finest in the City of Sarasota. Longboat Key has properties that fluctuate in price from approximately $500,000 up to above $15 million, based on type, size, age and location.

Sea Gate Club condos can be found on the shores of the Gulf and are a favourite for those looking for a principal home or for people who desire to buy a second home for a quick getaways or for vacations or for renting out for the same. The Sea Gate Club condos were built in 1973, and has a total of Ninety lavish condos in its complex. The condominium units range is size from about 1046 sq. ft. to around 1513 sq. ft. Comforts consist of modern tennis courts, heated swimming pools, club rooms, private beach and a full time on site manager. The Sea Gate Club condos has a beautiful renovated common area, gorgeous lobby, and elevator.

Sea Gate Club condos are found near to the the world class shopping at St Armands Circle and the downtown area, entertainment, arts and cultural events, theatres, galleries and museums, dining establishments and golfing, beaches of Longboat Key, bike riding, hiking, surfing, scuba diving and all else that Sarasota Florida has become so renowned for.

For guidance in viewing any of the Sea Gate homes or other Sarasota Real Estate Listings contact an expert Longboat Key Realtor at www.buysarasota.com/sea-gate-club-longboat-key who will assist you throughout the steps involved in viewing all Longboat Key Condos for sale, making your offer and all the way through closing.

Source: http://lowplaces.net/2012/03/03/luxury-condominiums-on-longboat-key/

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kin repeatedly maintain your internet advertising - Article Directory Site

[unable to retrieve full-text content]Long-term preparation online world special deals, diligently determined plans together with solutions for on line promotion provides top ends up in any least amount timeframe as well as refrain from harmful campaigning together with economizing a ... Guidelines period of the promotion is certainly the regular few months Utilizing small businesses go into promotion attracts a good 20% price reduction to your enhancement or simply revamp within the webpage.

Source: http://list-of-directory.com/business/kin-repeatedly-maintain-your-internet-advertising/

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Great French Holiday Homes For Booking - Travel and Leisure ...

A lot of people are constantly in search of new destinations to visit, mostly because of most people?s increasing desire to go on memorable getaway vacations. That being said, it isn?t surprising that there are so many great packages that are being offered to entice people into taking time off for themselves at any one of the great tourist destinations across the globe. Thankfully, the internet is a great resource that can help people plan their vacations more effectively. For those who are looking for a cultural experience, one should learn about various destinations in France such as Paris, Marseilles, Cannes and many more. There are many great French holiday homes being made available and are fantastic for those who want a romantic time with a special someone or even an enjoyable place to stay with the whole family. With the help of the internet, one can book their vacation accommodations and plan their itineraries and pay for everything online using their credit cards from the comfort of their own home.

Aside from France, there are other destinations in Europe that are tourist hotspots as well. England continues to be one of the most popular European destinations to visit, and there are beautiful and relaxing Brighton holiday homes located along the beach. They are ideal for people who want to stay closer to the beach for convenient access. These villas are also great in providing people an experience that is of great luxury and class, which would definitely be a lot more memorable.

Travel and Leisure Brighton holiday homes, French holiday homes

Source: http://www.catarsis21.com/?p=315

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What is Anthropology - Dap and Company Reference and Education

March 1st, 2012

Wondering what exactly is anthropology? Here is the answer to your question. It is actually the branch of science that deals in the study of human beings, who were their ancestors and so on. Human beings can be complex social creatures that have the ability of thinking. This specific potential has made it simpler for them to advance as various ethnicities that communicate in many distinct dialects. Anthropology could be defined as the analysis of such social as well as biological facets of life of a human being. If you want to get more information on the topic than you can visit What is Anthropology.

Entry Filed under: Reference and Education

Source: http://www.dapandco.com/reference-and-education/what-is-anthropology/

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Lindsay Lohan Today Show Interview: Don't Call it a Comeback!

Don't call it a comeback ... or actually, maybe you should.

Lindsay Lohan has been here for years, but not in the way she'd like. Despite making just as much news as any celebrity, the actress is now trying to reestablish herself.

Giving an interview to the Today show this morning, and preparing to host Saturday Night Live for the fourth time this weekend, she's eager to prove she's changed.

As we saw in Lohan's SNL promos, she was self-deprecating and self-aware in her chat with Matt Lauer, making no efforts to hide her past woes. Take a look below:

Lindsay Lohan Today Show Interview, Part I

The actress told Lauer that while she feels she is totally clean, sober and driven now, she’s aware she still needs “to go through the process of proving [herself].”

She has a ways to go, but she's been put through the wringer with her recent probation and is coming through with flying colors, so she's on the right track. For now.

What do you think? Can she stay clean?

Source: http://www.thehollywoodgossip.com/2012/03/lindsay-lohan-today-show-interview-dont-call-it-a-comeback/

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Nail Along The Most Helpful Home Improvement Recommendations

Home remodeling could be a wonderful endeavor to start out, no matter how a lot information or skill you have related to it. Don?t be misled by home remodeling implies that are on T.V. There exists far more to renovation than genuinely large tasks. Go through with these ways to view the fun that may be suffered from with this particular undertaking.

Roof

It is possible to mount your metallic roof correct around top of aged asphalt tiles. This could save you time and money because you is not going to have expenses working in the treatment. But when there are far more than two layers they must be taken away initially.

Locating a roofer that you could have confidence in is very important when performing your home improvement on your roof. It is inside your interest to review the roof covering organization just before signing any contract. Check out the company with the Much better Organization Bureau, Division of Customer Affairs, and check online for testimonials therefore you have a total concept of who is achieving this home improvement to suit your needs.

Changing a rooftop can be one of a homeowner?s greatest expenditures. Get estimates from a minimum of a few roofing organizations and be sure to check on their referrals. There are lots of selections for new roofing material, such as lightweight tile and metallic roofs, in addition to the much more standard wooden shake and composite shingles. A great roofing company can help you choose.

Metallic roof covering can be produced of different styles of metals. Some of the choices you have when deciding are stainlesss steel, zinc, copper, stainless, and alumninum. All these get their advantages and disadvantages and you need to look into each one of them to make an educated determination.

Replacing a roof structure may be one of a homeowner?s most significant bills. Get quotations from at the very least 3 roof covering companies and make sure to examine their personal references. There are several selections for new roof material, such as light-weight tile and metal roofs, along with the a lot more traditional timber shake and composite shingles. A great roofing contractor will help you determine.

Metal roof can be created of various sorts of metals. A number of the possibilities you might have when figuring out are steel, zinc, copper, stainless, and alumninum. All of these get their benefits and drawbacks and you should look into every one of these to produce an educated selection.

Renovation needs to integrate research, ability, and details. It is really an process that can take edge of your property using the intention of making it far better. Don?t be tricked by the easy aim, because it will take perform. If you are happy to make the effort and in case you adhere to the tips, you can accomplish it!

If you need other information with respect to roofing contractor seattle wa, drop by Wilhelmina U Polasky?s web page unhesitatingly.

Source: http://bishoprosary.org/?p=125049

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Establishing a home-based business in which is usually distinct from ...

Starting a work from home business which is certainly different than the millions of people can often be hard. Naturally, it would be best to become involved in some thing in which does not have loads of competitors. Although making out a niche from absolutely nothing can be difficult to complete, you can find a less ambitious discipline for anyone who is willing to get it slow directly into research method. One of the best opportunities in existence would be to sell e books with master resale rights. This might not really appear to be recommended?

Cheap Website for ebooks click here: Buy and Download ebooks here

Opening a home-based company in which is better than the hundreds of thousands of other folks can infrequently be difficult. After all, you will want to get involved with something the fact that does not have a lot of competitors. While carving out a niche from nothing can be difficult to accomplish, you can find a less competitive area if you are happy to put some time into the investigation process. Among the best chances in existence would be to vend e-books along with master resale rights. This may not look like recommended, although there are many people who love buying electronic books for one reason or the next. And if you give them ebooks with master reprint rights, they can in turn sell them on their very own to generate income. So as you can see, this home business is a dual edged sword. Not only will you be able to sell to people who like to read ebooks, nevertheless you can also get in touch with those who want to buy and then resell them on their own. Cheapest online ebooks

The first step to getting started is to find e books with resale rights. This may have been hard not too long ago, nonetheless this industry has developed quite a bit as of late. You should be able to find plenty of these electronic books for sale. But remember, not all electronic books are created equally. Should you be expecting to turn this home based business into a money making machine, you will need to offer digital books that people want to read; and of course, ones which they would not mind reselling either.

There are many ways in which you can run this type of home-based company. Your best bet is to set up a website where you feature all of your digital books. This can be done in no time at all, and the better your sites design the more chance you will have of success. To really give yourself a good chance of high sales, make sure that you have hundreds of e-books with master resell rights. After all, the more options of which you have for people the more likely they are to make a purchase. If you can position yourself as one of the largest ebook sites, with quality material for sale, you will be well ahead of the competition.

Selling electronic books with master reprint rights is a legitimate home-based business. As mentioned above, the nice thing about this business is that the industry is not overcrowded. This is not to say the fact that you are going to be the only person in this industry, although you will not be so bogged down with trying to outdo thousands of competitors.

Look into e books with master re-sale rights if you?re hunting for a great internet business.
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Source: http://www.growinknowledge.com/establishing-a-home-based-business-in-which-is-usually-distinct-from-the-thousands-and-thousands-of-others-is-often-complicated/

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