UntappedWealthDiscovered.com - From the Business Desk

Bangladesh and Industrial Sector

2008-12-05T05:07:00.000-05:00

Greetings everyone! I'm Jayna Sheffield at the business desk.
Today I am going to try and spark your weekend by giving you a bright spot to investigate. In the midst of all the doom and gloom, we need a bit of a pick-me-up, and here it is! To learn more, please read our news roundup below.
At the business desk, I'm Jayna Sheffield wishing you a great weekend.

Amazon picks of the week
The World Economy: Open-Economy Macroeconomics and Finance (with Economic Applications Printed Access Card)
By Beth V. Yarbrough
For those of you seeking some inspiration to help you cope with the present downturn, this book is it. The author has a very important message for you.

How to Invest in Self-Storage
By Scott Duffy
This author has outlined a perfect business opportunity for his readers to investigate. It is sound, logical, and potentially very lucrative.

Home business opportunities, Internet business opportunities, small business opportunities, business opportunities in Asia
Breaking nnews! Bangladesh and Industrial Sector

        How To Select An Online Forex Trading Broker System?
        (0); Biznar for Business Research (0); It's Natural and OK to Want More (0); Flexibility of Small Business Opportunities (0); Stocks drop as data feeds recession fears (0); Currency Magazine Launched (0); Commonwealth Bank In Talks To ...
        Business News -
http://business.cq1.org/

        BTwatch, issue 2008.09 snapshot
        By AB
        It looks today that our global corporate business is still doing well; I think the recession is particularly today focused on Western consumers. " Livingston. He added that the financial situation has also brought opportunities in the ...
        Market Mettle -
http://marketmettle.com/

        Reader Mail #69
        By FSK(FSK)
        Small business owners subsidize their larger competitors via taxes.) You only see people starting "hit home run" businesses, because "small steady income" businesses are not as profitable, due to State restrictions of the market. ...
        FSK's Guide to Reality -
http://fskrealityguide.blogspot.com/

        Bangladesh and Industrial Sector
        By K M Mahmud Hasan
        The ready-made garment industry in Bangladesh is not the outgrowth of traditional economic activities but emerged from economic opportunities perceived by the private sector in the late 1970s. Frustrated by quotas imposed by importing ...
        Ontore Bangladesh - http://ontorebd.com/

              San Diego Union Tribune
        Qualcomm chip shows versatility
        San Diego Union Tribune - United States
        Zeebo will use a business model similar to Amazon's Kindle e-book reader, which includes a built-in high-speed wireless connection without a subscription, ...
Read more at:
http://www3.signonsandiego.com/stories/2008/nov/18/1b18qcom61011-qualcomm-chip-shows-versatility/?zIndex=13781

              Business Wire (press release)
        SMBs in Singapore to Spend US$157M on Printing Needs
        Business Wire (press release) - San Francisco,CA,USA
        AMI's 2007-2008 Singapore Small Business Market Overview and Comprehensive Market Opportunity Assessment and 2007-2008 Singapore Medium Business Market ...
Read more at:
http://www.businesswire.com/portal/site/google/?ndmViewId=news_view&newsId=20081124005109&newsLang=en

        OpenTV Corporation Q3 2008 Earnings Call Transcript
        Seeking Alpha - New York,NY,USA
        I'd like to briefly reduce a few business metrics that evidence strength of our market position and our geographic diversity. In the third quarter, ...
Read more at:
http://seekingalpha.com/article/107625-opentv-corporation-q3-2008-earnings-call-transcript

        John Hussman Buys WalMart Stores Inc., Panera Bread Company ...
        GuruFocus.com - Plano,TX,USA
        Netgear Inc designs technologically advanced branded networking products that address the specific needs of small business and home users. ...
Read more at:
http://www.gurufocus.com/news.php?id=39082

        BlogMS Weekly Articles Published 17th November 2008 to 23rd ...
        By Daniel Good
        Microsoft Dynamics NAV 2009 Puts Business Productivity Centre Stage - 19-Nov-2008 Microsoft Provides Update on Growth Opportunities and Innovation Outlook at Annual Shareholder Meeting - 19-Nov-2008 Microsoft Announces New Zune Pass ...
        TechNet Blogs -
http://blogs.technet.com/default.aspx

        Small Business Newsletter
        By boyas fc(boyas fc)
        WELLS FARGO, UNITED STATES HISPANIC CHAMBER OF COMMERCE HONOR DISTINGUISHED LATINO BUSINESS OWNERS. AT&T to Provide $250000 to Help Improve and Strengthen Opportunities for Diverse, Small Business Owners in California ...
        Boyas F.C -
http://boyasfc.blogspot.com/

        [a business opportunity] Digest Number 44144
        By thedeb(thedeb)
        I Have Researched Thousands Of Business Opportunities And None Of Them Give You The Ability To Earn The Kind Of Income, That This Business Opportunity Does! This Is A Great Opportunity To Earn A Substantial Income, For Free! ...
        You Got an iDea ? -- more TESTING ... -
http://yougotanidea.blogspot.com/

        To Understand the Crisis
        By admin
        (1) Displacement: Some change in economic circumstances creates new and profitable opportunities. (2) Euphoria, or overtrading: A feedback process sets in whereby expectation of rising profits leads to rapid growth in asset prices. ...
        Ivan Komarov -
http://manjerok.ru/blog/

        Have Laptop Will Travel with a HomeBased Business and a Map
        By bestgifts(bestgifts)
        There are so many home business opportunities (some real, some not) that it takes real personal discipline to avoid the scattergun approach...you know, throw enough against the wall and something is bound to stick. In the early going, ...
        Gift Box Templates -
http://gift-box-templates.blogspot.com/

safety online

2008-12-04T04:50:00.000-05:00

Hello there! I'm Matt Chadwick at the business desk.
The holiday season is here and with it comes the concern over online safety. With more and more shoppers going online to do their shopping and more and more companies offering online services, we need to pay extra attention to our online safety. To learn more, please read our news roundup below.
At the business desk, I'm Matt Chadwick wishing you a joyful day.

Security tips for home computer users
Breaking news! safety online

        Insider Threat Driving Many Data Loss Events
        eWeek - New York, NY
        As with previously-reported findings of the Cisco research, the new results point to disconnect between perceptions of acceptable computer use among workers ...
Read more at:
http://securitywatch.eweek.com/privacy/insider_threat_driving_many_data_loss_events.html

        Linux for Home Users
        By admin
        Tips for Home Users:. If you want to get comfortable with Linux, you don't have to let go of windows. Get Linux installed on a separate partition and you can switch between Windows and Linux. For new users who don't have any computer ...
        Paraphrenitis Blog -
http://paraphrenitis.com/

        SemanticBot Daily Summary
        By SemanticBot(SemanticBot)
        #SemanticBlogs : IA TV: Making the Semantic Web Accessible to the Casual User tinyurl.com/6o8whk. #SemanticBlogs : Rare Treatment Is Reported to Cure AIDS Patient | Semantic Web Reviews tinyurl.com/5zc4r9 ...
        SemanticBot -
http://semanticbot1.blogspot.com/

        Q&A: Stay safe online
        By Captkidd(Captkidd)
        COMPUTER SECURITY TIPS. Make sure you have good anti-virus software which regularly scans for spyware. Make sure you use a firewall, spam filter and security software that keeps an eye on you while you browse the web ...
        Dude, Where's My Site? -
http://dudecaptkidd.blogspot.com/

        How to use Audio and Video on PowerPoint presentations? Posted By ...
        By admin
        It is essential that you make sure that your computer is always protected by investing in a good anti virus program. Dave Michaels writes on home and computer subjects. For more anti virus tips visit <a ...
        Top Software -
http://www.top-soft.net/

        Safety online
        By admin
        My bank has sent me an e-mail, asking me to update security details - what should I do. Ignore it and delete it. COMPUTER SECURITY TIPS. Make sure you have good anti-virus software which regularly scans for spyware; Make sure you use a ...
        123GoClick Technology -
http://technology.123goclick.com/

        DIY Home Security: 100 Essential Tips, Tools, and Resources
        By Site Administrator
        Computer and Network Security. Protect your online activity, stored history and important computer data with these tips and tools. Anti-Virus: Particularly if you're a Windows user, an anti-virus system is vital for keeping your data ...
        Masters in Criminal Justice -
http://www.mastersincriminaljustice.com/

        A few good reasons to switch to Ubuntu
        By omegamormegil
        No More Worrying About Viruses - Ubuntu users don't need to worry about viruses, as viruses are programs which exploit holes in Windows security. This means that you also don't need any Anti-Virus software, which saves you money and ...
        Omegamormegil's Weblog -
http://omegamormegil.wordpress.com/

        Wireless Security
        Increasingly, computer users interested in convenience and mobility are accessing the Internet wirelessly. Today, business travelers use wireless laptops to stay in touch with the home office; vacationers beam snapshots to friends while ...
        Roxboro Insider . Com Blog -
http://www.merchantcircle.com/business/Roxboro.Insider.Com.336-459-3570

        Don't be a Victim: How to Protect Yourself from Online Scams
        By Administrator
        Simply having a computer and an e-mail account makes you potentially vulnerable to internet crime. Your best defense is knowledge and common sense: Know what type of schemes internet criminals are trying to pull off and remember that ...
        Rich Dad Education Blog -
http://www.richdadeducationblog.com/

        Kim Komando Show Daily News - Tuesday, Nov. 18, 2008
        By computerman(computerman)
        That's because they phone home to Apple when connected to a computer. Should Apple help recover stolen iPods? Hit the Message Board. National Geographic enters gaming biz National Geographic is developing video games. ...
        Kill That Computer!!! -
http://kill-that-computer.blogspot.com/

              Telegraph.co.uk
        Internet fraud: Lock up your Christmas shopping
        Telegraph.co.uk - United Kingdom
        Before you shop online , it's vital to protect your computer
from hackers, viruses and malicious software. Run a software update ,
and download any ...
Read more at:
http://www.telegraph.co.uk/scienceandtechnology/technology/3489152/Internet-fraud-Lock-up-your-Christmas-shopping.html

        New to the Pine Belt? Here's how to get started
        Hattiesburg American - Hattiesburg,MS,USA
        At the bureau office you will fill out an application and take a =
computer exam with 30 multiple-choice questions. You also will be given =
a vision test. ...
Read more at:
http://www.hattiesburgamerican.com/article/20081119/NEWS07/807180376

              Boy Genius Report=20
        Verizon BlackBerry Storm review
        Boy Genius Report - NY,USA
        This is going to be a hate or love it experience again, and we =
really aren't feeling it since we're power users. We would have =
loved a straight capacitive ...
Read more at:
http://www.boygeniusreport.com/2008/11/20/verizon-blackberry-storm-review/

Depression Influenced by Industry

2008-12-03T05:03:00.001-05:00

Good morning! I'm Kerry J Harrison at the business desk.
There is no doubt in the minds of many that a bad economy affects our mental health adversely and it is something that we need to take more seriously. Industry plays a huge role in our mental health and if you would like to learn more then please read our news roundup below. The best defense is knowledge.
At the business desk, I'm Kerry J Harrison wishing you a great day.

News on stress, anxiety, and depression
Breaking news! Depression Influenced by Industry

        Treating Minority Patients With Depression and Anxiety: What Does ...
        Focus (subscription) - USA
        J Trauma Stress 2004; 17(5):42933.[Medline] Miranda J, Azocar F, Organista KC, Dwyer E, Areane P. Treatment of depression among impoverished primary care ...
Read more at:
http://focus.psychiatryonline.org/cgi/content/full/6/4/517

        Update on the Assessment, Diagnosis, and Treatment of Individuals ...
        Focus (subscription) - USA
        Correspondence: Address correspondence to Mark H. Pollack, MD, The Center for Anxiety and Traumatic Stress Disorders Program, Massachusetts General Hospital ...
Read more at:
http://focus.psychiatryonline.org/cgi/content/full/6/4/431

        Ask the Expert: Treatments for Panic Disorder
        Focus (subscription) - USA
        First, patients may experience withdrawal effects when the medication wears off, which will be hard to distinguish from endogenous symptoms of anxiety. ...
Read more at:
http://focus.psychiatryonline.org/cgi/content/full/6/4/445

        Promoting Ways to Cope with Stress
        The event featured yoga demonstrations, free massages, anxiety and depression screenings, and tips for healthy living and drew hundreds from the Montclair State University community. View the segment from NJN News.
        MSU News - University News -
http://www.montclair.edu/news/index.php

        More on Depression/Anxiety
        By Family news(Family news)
        I do have anxiety mainly and that's what leads to my depression and a bit of OCD. The reasons for my anxiety are what have been hardest for me to grasp and deal with. I remember when I finally talked to a doctor about it. ...
        Our Family -
http://breefamnews.blogspot.com/

        School Combats Teen Anxiety and Depression
        Teenagers face pressure every day: pressure to fit in, to make good grades and maybe even go to college.
        WVIR - Local News -
http://www.nbc29.com/global/category.asp?c=85534

        Heather Locklear Charged With DUI
        By admin
        The former 'Melrose Place' actress was recently treated for anxiety and depression. Celebrity Troublemakers. 'Biggest Loser' trainer, Anthony Badalamenti, has been arrested on charges of beating his girlfriend's 6-year-old son with ...
        Hot News EveryDay!! -
http://www.icefirecn.com/

        Aetna Sees Sixty Percent Increase in Member Calls to Employee ...
        Ad-Hoc-News (Pressemitteilung) - Germany
        ?Historically, research has shown that during periods of economic difficulty there is an increase in depression, anxiety, marital issues and an increased ...
Read more at:
http://www.ad-hoc-news.de/aetna-sees-sixty-percent-increase-in-member-calls-to--/de/Unternehmensnachrichten/19875286

        Depression Influenced by Industry
        Human Resource Executive Online - Horsham,PA,USA
        Primary emotions linked with stress are anger, anxiety and depression," he says, "so I do expect a spike in cases coming as a result of the current economy. ...
Read more at:
http://www.hreonline.com/HRE/story.jsp?storyId=148167354

        Study Finds Reflexology 93% Effective
        PR Web (press release) - Ferndale,WA,USA
        Evidence-Based Reflexology details effects including: decrease in anxiety and depression; alleviation of fatigue; relief from tension; feelings of comfort ...
Read more at:
http://www.prweb.com/releases/2008/11/prweb1631614.htm

        $urviving the Economy: Managing Stress
        KARE - Minneapolis,MN,USA
        "When you take somebody who's already struggling with depression or anxiety and you add these economic stressors on them, it does tend to make them far more ...
Read more at:
http://www.kare11.com/news/news_article.aspx?storyid=528664&catid=2

        Hospital provides tips for understanding Post-Traumatic Stress ...
        Katy Times - Katy,TX,USA
        In addition to talk therapy, doctors may prescribe medications for depression and anxiety, both of which are common in people who have PTSD. ...
Read more at:
http://www.katytimes.com/articles/2008/11/18/health/doc492342f69f033700769686.txt

        Acai Berry for Depression - Alternative to Antidepressants
        By Your Friend
        I believe we can all use a lift. Why not do some research on your own and try some of these alternatives before swallowing antidepressants and anti-anxiety medications with already know side effects? Enjoy life! Your Friend.
        Side Effects of Antidepressants,... -
http://psychdrugs.wordpress.com/

        Stress disorder a challenge for returning soldiers
        PennLive.com - Harrisburg,PA,USA
        Post-traumatic stress disorder is defined as: "An anxiety disorder triggered by an extreme traumatic stressor involving direct personal experience of an ...
Read more at:
http://www.pennlive.com/bodyandmind/index.ssf/2008/11/stress_disorder_new_challenge.html

        How to deal with workplace stress
        Sydney Morning Herald - Sydney,New South Wales,Australia
        Crvenkovic says fears about job loss can trigger disturbed sleep and depression. Other common symptoms of anxiety are a racing heart and accelerated ...
Read more at:
http://www.smh.com.au/news/executive-style/management/how-to-deal-with-workplace-stress/2008/11/20/1226770603031.html

        Grace: Beautifully told, painful quest for mental peace
        West Central Tribune - Willmar,MN,USA
        But the fast-pace, high-stress environment of journalism only continued to feed the demons of depression and anxiety that wrestled within him. ...
Read more at:
http://www.wctrib.com/articles/index.cfm?id=44082&section=News

        Exercise to combat depression and anxiety.?
        By elavblog
        I am currently having a bout of depression that is including both anxiety and depressed mood. I am on Elavil (50mg) and Wellbutrin XL (300mg). My question is, how many of you have used exercise as a means to combat your depression and ...
        Elavil news -
http://elavblog.wordpress.com/

        Generalized Anxiety Disorder With Comorbid Depression
        Medscape:
        News on dovp AND Neurocrine AND... - http://www.bioportfolio.com/
        Possible vaccine hope in virus link to Multiple Sclerosis
        In people with multiple sclerosis, the body's immune system attacks the nervous system, causing bladder and bowel dysfunction, memory loss, tremors, vision problems, hearing loss, anxiety, depression, dizziness and difficulty in walking ...
        MSRC Latest MS News -
http://feeds.rapidfeeds.com/?fid4ct=3058

        MSNBC Make Abuse a Joke
        By graceofwynn
        "Children who are exposed to domestic violence are more likely to exhibit behavioral and physical health problems including depression, anxiety, and violence towards peers. They are also more likely to attempt suicide, abuse drugs and ...
        In the Shadow of Your Wings:... - http://shadowwings.wordpress.com/
        Wake Forest Church Helps People Deal With Death Of A Loved One
        Reduce stress and anxiety -- Remember and honor their loved one -- Minimize loneliness -- Establish new traditions -- Help children adjust to new family dynamics -- Help others in need -- Focus on the true meaning of the holidays ...
        Wake County News - MyNC.com -
http://wake.mync.com/site/page/rss

Important answers to consumers concerns

2008-12-02T05:44:00.000-05:00

Top of the day to you out there! I'm Donna J Jodhan at the business desk.
Well, we are now officially into the holiday season and time for me to open up our bulging e-bag.

Important answers to consumers concerns

Question from Mark Whitton: Donna, In the midst of all of this bad news, are you able to point out a maybe market that we can be looking at as lucrative?
Answer: Mark, believe it or not, yes. I recently read this article and I am going to pass it along to you. It is very interesting. Hope it helps. I can assure you that this market is real, growing, and consumers and demand are all very tangent.
Older adults are a growing market
Kansas City Star - MO,USA
This burgeoning market includes not only baby boomers the some 77 million Americans born between 1946 and 1964 but also their parents and those as young ...
Read more at:
http://www.kansascity.com/business/story/895757.html

Question from Alex Ormido: Do you think that seniors and retirees can find ways to augment their stagnant incomes during these hard times?
Answer: Alex, I think that we are all seeking ways to augment our incomes during these hard times but for seniors and retirees the concern may be more definitive. In times like these, seniors and retirees seem to suffer the most. The article below gives a very realistic picture of the situation but this article has some very interesting ideas for seniors and retirees to consider.
Four Innovative Ways for Senior Citizens and Retirees to Generate ...
MarketWatch - USA
Golden Gateway Financial, located in Oakland, California, is a comprehensive resource for senior citizens, baby boomers and soon-to-be retirees to assess ...
Read more at:
http://www.marketwatch.com/news/story/Four-Innovative-Ways-Senior-Citizens/story.aspx?guid=%7BF8E23F9E-CE65-4951-9129-15511BA26731%7D

Question from Bruce Berringer: Donna, what do you think lies ahead for careers for interpreters?
Answer: Bruce, I invite you to read my reference below. According to the article, seems as if the demand for the services of interpreters is growing in hospitals and courts. Hope it helps.
Demand growing for interpreters in courts, hospitals
Charlottesville Daily Progress - Charlottesville,VA,USA
The limited English speakers are provided this service for free. The number of people who speak Spanish in Virginia doubled between the 1990 and 2000 US ...
Read more at:
http://www.dailyprogress.com/cdp/news/local/article/demand_growing_for_interpreters_in_courts_hospitals/31452/

Question from Tony Berger: So, what about the problem of sloppy habits of computer use in the workplace? Real or not?
Answer: Tony, If the reference below is true, sloppy habits to use your words are growing in the workplace and is becoming a concern. Please read my reference below.
Insider Threat Driving Many Data Loss Events
eWeek - New York, NY
As with previously-reported findings of the Cisco research, the new results point to disconnect between perceptions of acceptable computer use among workers ...
Read more at:
http://securitywatch.eweek.com/privacy/insider_threat_driving_many_data_loss_events.html

Question from Pierre Micheau: Would or could we see more seniors wanting to work in order to make ends meet during these rocky times?
Answer: Pierre, definitely so and my reference below supports this. Please give a read to my reference.
Seniors returning to the work force
abc13.com - Houston,TX,USA
According to AARP, 69% of Americans ages 45 to 74 are now working or plan to return to work after retirement. And many baby boomers believe they will work ...
Read more at:
http://abclocal.go.com/ktrk/story?section=news/business&id=6510779

Question from Jamie Cadies: With all of those annoying emails floating around asking us to update our banking details, how can we deal with it?
Answer: Jamie, simply put! Just ignore them! Do not even think of following their requests! They are false and only meant to cause harm. Please read my reference below. For the most part, they are being sent by hackers. No respectable or reputable bank would ever send you an email asking you to update your banking details in this manner.
safety online
By admin
My bank has sent me an e-mail, asking me to update security details - what should I do. Ignore it and delete it. COMPUTER SECURITY TIPS. Make sure you have good anti-virus software which regularly scans for spyware; Make sure you use a ...
123GoClick Technology -
http://technology.123goclick.com/

Question from Franca Goozman: What are baby boomers going to do? Keep on working, or simply retire and leave the stress behind?
Answer: Franca, there are many reasons for baby boomers to keep on working but on the other hand, if they feel that they can ride out the economic storm, they may very well decide to just retire and go off to enjoy their golden years. I suspect that the majority of baby boomers may be opting for working longer. Please read my reference below.
Special Report: Forgetting Retirement
WILX-TV - Lansing,MI,USA
A time that's seeing baby boomers inch closer toward retirement age. And with Americans living longer, healthier lifestyles, why stop working? ...
Read more at:
http://www.wilx.com/news/headlines/34602539.html

Question from Erica Levy: Donna, do you think that more parents and kids would start living as one household now?
Answer: Erica, there are a number of factors which may start to drive parents to live with their adult kids. Factors such as health issues, economic reasons, and so on. Please check out my reference below.
Economics, health issues spur older adults to live with their ...
San Antonio Express - San Antonio,TX,USA
The trend of parents moving in with their kids only stands to grow, given that a baby boomer nowadays turns 60 every 7.7 seconds. ...
Read more at:
http://www.mysanantonio.com/life/34620879.html

Question from Nicole Byron: Who do you think is suffering the most economically these days? Eastern or Western consumers?
Answer: Nicole, a very good question indeed and I am going to leave it up to the reference below to give you the picture. I hope it helps.
BTwatch, issue 2008.09 snapshot
By AB
It looks today that our global corporate business is still doing well; I think the recession is particularly today focused on Western consumers. " Livingston. He added that the financial situation has also brought opportunities in the ...
Market Mettle -
http://marketmettle.com/

Question from Steven Kemper: Am I imagining that there is a huge difference between being able to read and write English?
Answer: Steven, believe it or not, this seems to be the case. I was quite surprised when I read the article listed below. Please check it out.
Professional Translation Agencies For All Your Business Needs
By KristiAmbrose
I know this sounds funny, but I have run into it a lot; your doing business with a person, they can 100% write in English, but when it comes to reading the English language its like it becomes a whole other language. ...
Full text business articles -... -
http://www.content4reprint.com/business/

Question from Laura Waldo: How profitable can small businesses really be? Good times or bad times?
Answer: Laura, a very general question and I am going to refer you to a reference below that came across my desk recently. I hope it helps.
Reader Mail #69
By FSK(FSK)
Small business owners subsidize their larger competitors via taxes.) You only see people starting "hit home run" businesses, because "small steady income" businesses are not as profitable, due to State restrictions of the market. ...
FSK's Guide to Reality -
http://fskrealityguide.blogspot.com/

Question from Freddy Mak: How can I save myself from becoming an online victim?
Answer: Freddy, I am going to refer you to a reference that has some very logical and realistic strategies to offer. I hope it helps. Knowledge and common sense are your weapons of defense.
Don't be a Victim: How to Protect Yourself from Online Scams
By Administrator
Simply having a computer and an e-mail account makes you potentially vulnerable to internet crime. Your best defense is knowledge and common sense: Know what type of schemes internet criminals are trying to pull off and remember that ...
Rich Dad Education Blog -
http://www.richdadeducationblog.com/

Question from Ryan Lushmont: Donna, I am looking for some safety tips on wireless security. Got any for me?
Answer: Ryan, sure. Here you go. please read on.
Wireless Security
Increasingly, computer users interested in convenience and mobility are accessing the Internet wirelessly. Today, business travelers use wireless laptops to stay in touch with the home office; vacationers beam snapshots to friends while ...
Roxboro Insider . Com Blog -
http://www.merchantcircle.com/business/Roxboro.Insider.Com.336-459-3570

Question from Kaye Lions: What types of things can lead to heightened stress during hard times?
Answer: Kaye, I have a perfect article for you to read. Take a look at this one.
Aetna Sees Sixty Percent Increase in Member Calls to Employee ...
Ad-Hoc-News (Pressemitteilung) - Germany
?Historically, research has shown that during periods of economic difficulty there is an increase in depression, anxiety, marital issues and an increased ...
Read more at:
http://www.ad-hoc-news.de/aetna-sees-sixty-percent-increase-in-member-calls-to--/de/Unternehmensnachrichten/19875286

Question from Cayle Spiros: Do you have any tips to share on home computer security?
Answer: Cayle, this is a very general question but here you go. Give this one a read.
DIY Home Security: 100 Essential Tips, Tools, and Resources
By Site Administrator
Computer and Network Security. Protect your online activity, stored history and important computer data with these tips and tools. Anti-Virus: Particularly if you're a Windows user, an anti-virus system is vital for keeping your data ...
Masters in Criminal Justice -
http://www.mastersincriminaljustice.com/

Question from Edwin Bouchard: How much can we attribute the present economic crisis to the rise in stress and depression?
Answer: Edwin, there is a direct relationship between the two. Whenever an economic crisis occurs, you can be very sure that levels of stress, anger, and anxiety and depression also rise. All of these indicators go hand in hand and travel in the same direction. In good times, these factors go down. I urge you to read my reference below.
Depression Influenced by Industry
Human Resource Executive Online - Horsham,PA,USA
Primary emotions linked with stress are anger, anxiety and depression," he says, "so I do expect a spike in cases coming as a result of the current economy. ...
Read more at:
http://www.hreonline.com/HRE/story.jsp?storyId=148167354

Question from Connie Cantwell: Don't you think that in order to revive our economy we also have to manage our stress levels?
Answer: Connie, yes! Definitely so. A healthy economy needs healthy minds to keep things going and I urge you to read my reference below.
$urviving the Economy: Managing Stress
KARE - Minneapolis,MN,USA
"When you take somebody who's already struggling with depression or anxiety and you add these economic stressors on them, it does tend to make them far more ...
Read more at:
http://www.kare11.com/news/news_article.aspx?storyid=528664&catid=2

I am out of time for this week, but before I leave you, here is my tip. With the holiday season now upon us, we would be wise to keep in mind that we should be careful when making out our Christmas lists. Times are tough and we need to be sure not to over reach. This holiday season could very well be one that comes with an overdose of stress.

I'm Donna J Jodhan wishing you a great day and week ahead.

Four Innovative Ways for Senior Citizens and Retirees to Generate cash in a stormy economy

2008-12-01T05:09:00.001-05:00

Good day! I'm Jeff N Marquis at the business desk.
Today, I would like to kick off the new week by offering some very safe and logical tips for seniors to look at if they are interested in finding ways to increase their liquid incomes in a stormy economy. These tips come from very reliable sources and if you would like to learn more then please read our news roundup below.
At the business desk, I'm Jeff N Marquis wishing you a pleasant day.

News for retirees, aging baby boomers, and seniors
Breaking news! Four Innovative Ways for Senior Citizens and Retirees to Generate cash in a stormy economy

        Older adults are a growing market
        Kansas City Star - MO,USA
        This burgeoning market includes not only baby boomers the some 77 million Americans born between 1946 and 1964 but also their parents and those as young ...
Read more at:
http://www.kansascity.com/business/story/895757.html

        Four Innovative Ways for Senior Citizens and Retirees to Generate ...
        MarketWatch - USA
        Golden Gateway Financial, located in Oakland, California, is a comprehensive resource for senior citizens, baby boomers and soon-to-be retirees to assess ...
Read more at:
http://www.marketwatch.com/news/story/Four-Innovative-Ways-Senior-Citizens/story.aspx?guid=%7BF8E23F9E-CE65-4951-9129-15511BA26731%7D

        VIVAPRIME.COM UNVEILS NEW SENIORS LIFESTYLE PORTAL
        MediaSyndicate (press release) - USA
        "Whether our visitors are searching for financial advice, retirement planning help, relationship advice or anti-aging and fitness information, ...
Read more at:
http://www.mediasyndicate.com/index.php?name=News&file=article&sid=11158

        Seniors returning to the work force
        abc13.com - Houston,TX,USA
        According to AARP, 69% of Americans ages 45 to 74 are now working or plan to return to work after retirement. And many baby boomers believe they will work ...
Read more at:
http://abclocal.go.com/ktrk/story?section=news/business&id=6510779

        Comfortable living for golden years
        Indianapolis Star - United States
        "The older baby boomers are beginning to enter the market, and they want activities -- not bingo." Seniors increasingly are demanding options such as ...
Read more at:
http://www.indystar.com/article/20081117/BUSINESS/811170332/1015/LOCAL01

        Special Report: Forgetting Retirement
        WILX-TV - Lansing,MI,USA
        A time that's seeing baby boomers inch closer toward retirement age. And with Americans living longer, healthier lifestyles, why stop working? ...
Read more at:
http://www.wilx.com/news/headlines/34602539.html

        Economics, health issues spur older adults to live with their ...
        San Antonio Express - San Antonio,TX,USA
        The trend of parents moving in with their kids only stands to grow, given that a baby boomer nowadays turns 60 every 7.7 seconds. ...
Read more at:
http://www.mysanantonio.com/life/34620879.html

             Examiner.com
        Economy concerns drove Baby Boomer vote
        Examiner.com - USA
        by Paul Briand, Baby Boomer Examiner Now that the political wonks have had their chance to sift through the presidential election results, ...
Read more at:
http://www.examiner.com/x-654-Baby-Boomer-Examiner~y2008m11d21-Economy-concerns-drove-Baby-Boomer-vote

        Doro Launches New Mobile Phones Designed for Baby Boomers & Active ...
        MarketWatch - USA
        This is a very attractive offering for both baby boomers and seniors alike, a tailored rate plan is key for this demographic and the overall customer ...
Read more at:
http://www.marketwatch.com/news/story/Doro-Launches-New-Mobile-Phones/story.aspx?guid=%7B45709792-E45A-44BC-A4A2-519A6D2870FC%7D

        The Baby Boomer Vote: Sandwiched Again
        U.S. News & World Report - Washington,DC,USA
        "The baby boomers on the cusp of retirement dependents" worried about their pensions and 401(k)'s and Social Security even more than seniors," says Susan ...
Read more at:
http://www.usnews.com/articles/business/retirement/2008/11/19/the-baby-boomer-vote-sandwiched-again.html

        Viewpoint: Torches passing, generations reconciling
        Baltimore Sun - United States
        Aging baby boomers are blamed if they stay at work, blocking access to the next rung up the ladder. Boomers are also blamed if they retire, devouring the ...
Read more at:
http://www.baltimoresun.com/news/opinion/oped/bal-op.viewpoint21nov21,0,4955826.story

              The Canadian Press
        'Mind spa' comes to retirement hotspots; This is your brain on ...
        The Canadian Press - SARASOTA, Fla.
        There's a lot of interest now in healthy aging," Rozelle says. "The baby boomers are getting older and they're not liking it. ...
Read more at:
http://www.google.com/hostednews/canadianpress/article/ALeqM5hxRQjvldu_DUFMyq0lJMpxmP0WnA

        Georgia Association of Homes and Services for the Aging Announces ...
        MarketWatch - USA
        "Aging research, market analyses and government funding sources suggest baby boomers and future generations will reside in environments much different than ...
Read more at:
http://www.marketwatch.com/news/story/Georgia-Association-Homes-Services-Aging/story.aspx?guid=%7B4316E6F7-C5C8-4BC9-AD93-DB4BC55E93B1%7D

        Living On Less:
        Hartford Courant - United States
        "If you tell baby boomers after 30 years they need to go find something to do, they'll have a really rough time," Podoshen says, "but to someone who is 30 ...
Read more at:
http://www.courant.com/features/custom/frugal/hc-recessionpsychology.artnov19,0,7899314.story

        Your Package Could Have Helped My Grandma
        By dallen
        With many baby boomers reaching retirement age in the coming years, preventive healthcare programs are beginning to draw significant attention. Are you gearing your company up to meet their healthcare packaging needs? ...
        Pharmaceutical & Medical Packaging News -
http://www.devicelink.com/pmpn/blog/

GOVERNMENT STATISTICSInflationary Recession Remains Intact and Intensifies

2008-11-29T07:04:00.001-05:00

Hello there! We the business team would like to bring you an article in keeping with these tough economic times. We believe that it is extremely important for you to be able to keep abreast of the happenings and to make up your own minds. This article comes from a very reliable source and the views expressed here are those of the author and not ours.
We thank the research team at www.sterlingcreations.ca for passing this along to us.
Enjoy your last weekend in November.
Your Business team

GOVERNMENT STATISTICSInflationary Recession Remains Intact and Intensifies

Federal Debt Jumps $1.25 Trillion Year/Year, $650 Billion in Six Weeks

Inflation Holds Despite Oil Sell-Off

3rd-Quarter Real Retail Sales Plunge
Annualized 10.1%, 4.2% Year/Year

3rd-Quarter Industrial Production Down
for Second Consecutive Quarter, Year/Year

__________

In response to reader requests, this Special Update provides a preliminary but brief assessment of the impact from the financial system solvency crisis and ongoing turmoil in the global financial markets on the outlook for the continuing inflationary recession and my prediction of a hyperinflationary great depression. These comments are provided in advance of more detailed analysis in the next full SGS Newsletter, targeted for publication over the weekend of October 25th. In general, the economic and inflation outlooks other than intensified are little changed.

- Best wishes to all, John Williams

Fed/Treasury Actions Should Stabilize Banking System
U.S. Equities, U.S. Dollar and U.S. Economy Face Significant Downsides

With the partial nationalization of the banking system, full FDIC backing to demand deposits and various other bank liabilities, extraordinary liquidity facilities offered by the Federal Reserve and indications of further flexibility as needed, the federal government and the Federal Reserve have taken actions or otherwise should have the ability to stabilize the functioning of financial services industry. As discussed previously, however, those actions will not prevent an already ongoing and deepening recession and will not provide a long term-prop to U.S. equities or to the U.S. dollar. The ultimate cost of systemic salvation remains inflation, driven by excessive monetary creation, irrespective of the short-term collapse in oil prices.

It is important to keep in mind that the current recession has been in place for some time, since before the systemic solvency crisis broke in August of 2007. It reflects a structural impairment in the U.S. economy that has prevented sustainable income growth from exceeding that of inflation (see the Hyperinflation Report of April 8, 2008 for further detail). The recent systemic and market turmoil only have exacerbated the downturn, they did not trigger it. As discussed below, reporting of retail sales and industrial production show an ongoing and deepening recession.

While those underlying economic numbers would be consistent with a third-quarter real (inflation-adjusted) GDP contraction, the Bureau of Economic Analysis so far has masked most of the GDP's contraction in the current recession with heavily politicized reporting. The BEA has the ability to do so, again, in the upcoming "advance" estimate of the third-quarter GDP, due out on October 30th, the Thursday before the election. On the other hand, the concept of the U.S. economy being in recession is now so widespread that further obfuscation could just intensify the public's distrust of government reporting, with little if any political gain. If consensus forecasts coming into the end of next week are for a GDP contraction, such would enhance the odds of an actual contraction being reported.

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In recent weeks, the government and Wall Street talked up the "collapsing" economy in an effort to gain public support for the "bailout" package. The fear mongering has had its impact in hitting the economy harder than would have been seen otherwise from the liquidity crisis, accelerating the fall into an economic depression (see the Hyperinflation Report of April 8, 2008 for further definitions).
From the standpoint of inflation, the current level of oil prices, below $90 per barrel, has and will ease some of the immediate-term commodity-driven inflation pressures. Such will be more than offset in the next six-to-nine months as the impact from increased money supply growth starts to surface in inflation reporting. I still look for double-digit official CPI reporting in early 2009.

As to recent strength in the dollar, weakness in oil prices, and softness in gold prices, much has been distorted by the systemic solvency crisis, where forced liquidations of related financial instruments have caused prices movements well beyond or counter to underlying fundamentals. In particular, as the markets begin to stabilize, the U.S. dollar should come under intense selling pressures. Regardless of the global nature of some actions taken to stabilize the system, the primary solvency crisis and the fiscally and monetarily destructive corrective actions are predominantly U.S. issues, ones that materially have weakened the already miserable underlying fundamentals for the U.S. dollar.

When dollar selling resumes, eventually evolving into a massive flight-to-safety outside the dollar, that should put upside pressure on the prices of precious metals. Oil prices should surge in dollar terms, too, irrespective of any softening oil demand due to slower U.S. or global economic activity.

The hyperinflation forecast remains intact, but it may be moved closer to the present, depending on developments with the U.S. dollar. This shall be discussed in further detail in the upcoming SGS Newsletter.

Federal Debt and Deficit Explode. Quick impact from the solvency crisis has been seen in the U.S. government's deteriorating fiscal condition. Against official expectations two months ago of a $389 billion deficit, the official fiscal 2008 (year-ended September 30th) shortfall came in at $454.8 billion, up from $161.5 billion in 2007. These are the officially-gimmicked numbers, not GAAP reporting, which will show a much larger deficit. Reflecting the recession that was in place long before the solvency crisis exploded, government revenues in 2008 fell by 15.3% versus 2007.

As of October 14, 2008, gross federal debt stood at $10.294 trillion, up by $1.250 trillion or 13.8% year-to-year, and up by $650 billion or 8.8% since the first of September.

CPI Continued to Absorb Oil Sell-Off Shock. Reported September consumer inflation eased back again on both a monthly and annual basis, as the CPI continued to absorb the impact of an ongoing tumble in oil prices. Yet, "core" inflation also eased (CPI-U core up by 0.1% in September, 0.2% in August, and 0.3% in July) despite significant anecdotal evidence of surging non-energy and food inflation.

CPI-U. The Bureau of Labor Statistics (BLS) reported seasonally-adjusted September CPI-U eased by 0.03% (down by 0.14% unadjusted) +/- 0.12% for the month, versus a 0.14% (0.40% unadjusted) decline in August. Year-to-year or annual inflation in September backed off to 4.94% from 5.37% in August.

Annual inflation would increase in October 2008 reporting, dependent on the seasonally-adjusted monthly gain exceeding the 0.26% monthly increase seen in October 2007. The difference in growth would directly add to or subtract from September's annual inflation rate of 4.94%.

CPI-W. Annual inflation for the narrower CPI-W targeted at the wage-earners category where gasoline takes a bigger proportionate bite out of spending eased to 5.4% in September from 5.9% in August and 6.2% in July. The CPI-W is used for making the annual cost of living adjustments to Social Security payments, and the 2009 adjustment based on the July to September 2008 period should be about 5.8%, two-and-a-half times the 2.3% adjustment for 2008. Such is not good news for federal budget deficit, discussed elsewhere.

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C-CPI-U. Year-to-year or annual inflation for the Chain Weighted CPI-U the fully substitution-based series that increasingly gets touted by CPI opponents and inflation apologists as the replacement for the CPI-U eased to 4.34% in September from 4.70% in August.

Alternate Consumer Inflation Measures. Adjusted to pre-Clinton (1990) methodology, annual CPI growth declined to roughly 8.3% in September from 8.7% in August, while the SGS-Alternate Consumer Inflation Measure, which reverses gimmicked changes to official CPI reporting methodologies back to 1980, eased back to roughly 12.9% in September from 13.2% in August. The alternate numbers are not adjusted for any near-term manipulations of the data.

PPI Also Absorbed Oil Selling. The regularly volatile Producer Price Index (PPI) for finished goods contracted by a seasonally-adjusted 0.4% (0.1% unadjusted) in September, versus 0.9% (1.6% unadjusted) in August, as reported by the Bureau of Labor Statistics. The decline largely reflected the continued sharp decline in oil prices. Year-to-year PPI inflation in September eased to 8.7% from 9.6% in August.

Retail Sales Plunge Month-to-Month and Year-to-Year, Before Inflation Adjustment. September retail sales showed a still-deepening economic contraction. The Census Bureau reported that seasonally-adjusted sales fell for the month by 1.16% (down 1.49% net of revisions) +/- 0.6% (95% confidence interval), following a revised 0.45% (previously 0.27%) decline in August. On a year-to-year basis, September retail sales growth turned negative, down by 1.03%, versus a revised gain of 1.50% (previously 1.56%) in August.

Real Retail Sales. Deflated by the September CPI-U, seasonally-adjusted real (inflation-adjusted) retail sales contracted by 1.13% for the month of September (down 1.16% before inflation adjustment), following a 0.31% decline in the month of August (down 0.45% before inflation adjustment). On a year-to-year basis, September retail sales fell by 5.69% (down 1.03% before inflation adjustment), versus a 3.66% decline in August (up by 1.50% before inflation adjustment). The series now has suffered its fourth consecutive quarter-to-quarter real contraction (an annualized decline of 10.1% in the third quarter versus a 1.2% drop in the second quarter) and the third consecutive quarter of annual contraction (down 4.2% for the third quarter versus a 1.6% decline for the second quarter). Such ongoing negative growth patterns never have been seen outside of formal recessions.

Core Retail Sales. Consistent with the Federal Reserve's predilection for ignoring food and energy prices, "core" retail sales retail sales net of grocery store and gasoline station revenues fell by 1.47% (down 1.76% net of revisions) in September, versus a revised 0.21% (was 0.06%) decline in August. Those numbers contrasted with the official aggregate drop of 1.16% in September and the revised 0.45% decline in August. On an annual basis, September "core" retail sales fell by 4.26% versus a revised August decline of 1.67% (previously down by 1.73%).

Industrial Production Contracts in 3rd Quarter, Net of Strike and Hurricane Impacts. The Federal Reserve reported a 2.8% monthly contraction in September industrial production, following a revised 1.0% (previously 1.1%) drop in August. September's weakness was attributable to a strike at Boeing and to oil and gas related shutdowns in the Gulf of Mexico region due to hurricanes. September year-to-year change plunged by 4.5%, after a 1.4% annual contraction in August. Adjusting for strike and hurricane impacts, however, third-quarter production still was down on both a quarterly and an annual basis.

Not adjusted for the special factors, following a 3.1% annualized quarter-to-quarter contraction reported in the second quarter, industrial production suffered its second consecutive quarterly downturn in the third quarter at an annualized 6.0% rate of decline. In conjunction with a 2.7% contraction in year-to-year growth for the third quarter, the series is showing growth patterns not seen outside of recessions.

Trade Deficit Reportedly Narrowed in August. Still showing likely paperwork flow distortions as discussed in the last newsletter, the Census Bureau and the Bureau of Economic Analysis reported the seasonally-adjusted August trade deficit narrowed to $59.8 billion from a revised $61.3 (previously $62.2) billion in July. With apparent renewed games-playing in reported oil imports, these data could be used to help keep the "advance" third-quarter GDP estimate in positive territory for its pre-election debut.

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Donna J Jodhan is the president of Sterling Creations
Now you can view blogs written by Donna at http://www.numpadplus.com/blog under the access and accessibility category and you can also see her biweekly editorial at www.accessibilitynews.ca/acnews/editorials/donna.php
In addition, you can view her monthly online magazine editorial at http://www.onestopbookcafe.com under the café talk link.
Donna also hosts a weekly feature called important answers to consumers concerns at http://www.untappedwealth.com/businessdesk.html
and her company's free monthly online magazine can be found at http://www.sterlingcreations.ca/magazine.html
She now writes a weekly feature at http://www.sterlingcreations.ca/blog/blog.html

When you hear the word commitment

2008-11-28T05:45:00.001-05:00

Hello there! We hope that you are enjoying your Thanksgiving holiday weekend and that you are not too stuffed to read a little today.

This day we would like to bring you an editorial written by one of our esteemed team members, Donna J. Jodhan.

Donna presents a weekly feature on answers to consumers questions. She is a special needs business consultant, prolific blogger, and author.

Here now is her editorial.

Have a great day.

Your business team

When you hear the word commitment

So, here is my big question of the day. When you hear the word commitment, what does it mean? Does it mean that you have made a promise to do what you say you are going to do? Or does it mean that you will only do what you feel like doing? Or does it mean that you are only going to do half or less of what you promised to do?

There was a time when most of us took commitment seriously. We did exactly what we promised to do and even went a bit further. Some times, I notice that some of us still adhere to the sacred word but there are so many who simply do not. They do not take commitment seriously and I get the impression that their version of the word commitment is that they will do whatever they feel like doing and the hell with the rest. A few months ago I had the unpleasant experience of interacting with a young man who definitely did not understand the meaning of the word commitment. He committed to producing a monthly newsletter for one of our clients but when he realized that it would entail having to work within a team, and working with persons from diverse backgrounds, he simply walked out saying: "I don't have time to mingle with those of you who don't know what you're doing."

Clearly, this person missed the boat. True it is he made the commitment to produce the monthly newsletter, but his version of commitment was vastly different from mine. It appears to me that his version of the word commitment meant that he would do whatever he felt like doing and if something did not please him, then he would simply walk out. Very sad!

Commitment seems to be on the decline these days. From governments to companies and individuals, the general impression is that commitment seems to be quickly slipping away and being replaced with non commitment. It's probably why so many marriages continue to end in divorce; because couples are not willing to carry through with their commitment. It's probably why so many governments continue to find themselves in hot water with each other and with their own people; because they continue to break their commitments. It's probably why so many companies continue to find themselves losing customers and revenue; because they continue to ignore the commitments that they have made to their customers. It's probably why so many recent graduates continue to find themselves being frustrated at not being able to find suitable employment; because they are unable to keep their commitment to show that they can stick when the going gets tough.

Unfortunately, the experience that I described above is very common these days. We are constantly seeing instances of persons who commit to specific responsibilities and tasks but fail to complete them and you know what? The excuses that they offer for not fulfilling their commitment are becoming more and more ridiculous. In the case of this young man that I referred to above, he could not really come up with a real reason as to why he walked out. Why he broke his commitment. First he had the boldness to say that he did not want to mingle with people who did not know what they were doing. Then he said that he did not want to meet us face to face for meetings. Then he said that he did not want to work with anyone who was not committed. Figure it out for yourself.

Here is my take on this subject. I believe that when most of us make a commitment, we do it with the best of intensions but for some reason, whenever we run into difficulty, whenever we are faced with unexpected challenges, whenever the going gets tough, we simply forget our commitments and walk away because it's the easiest thing to do. Time for us to revisit and relearn the meaning of the word commitment.