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The New And New England Patriots Jerseys On Sale usnfljerseywholesale05 Improved Fashions For Sports Fan If you?ve ever shopped for a female sports fanatic, you?ll know that merchandise is still heavily weighted towards the masculine form. Many women love sports as much as men and feel the same need to show their loyalty and support for their team by donning a jersey, t-shirt or hat of their team of choice NFL New England Patriots Jersey For Cheap usnfljerseywholesale05. Often times however, women have to wear mens or youth sizes which don?t really accentuate the female figure usnfljerseywholesale05. Sports apparel manufactures have wised up to the growing number of female fans and recognized that women make up 40% of their consumer audience. Many companies like Nike and Reebok have finally clued in on the driving purchase power of female fans and designed new lines that are more appealing to women. Now women fans can find capped tees and tank tops available for women of all shapes and sizes. The figure fitting designs accentuate a women?s body instead of squaring it off as in previous times. In addition to form fitting tees and tanks, women can now find NBA jerseys, MLB jerseys and NFL jerseys that are not only in women?s sizes but come with feminine embellishments such as rhinestones, embroidery and softer fabrics. Shorts, sandals and even pajama outfits are widely popular among the female sports enthusiasts. If you?re shopping for women or kids, you?ll probably want to stick to the replica jerseys or even select jerseys made specifically for youth and women?s sizes. The material used on replica jerseys is softer and more comfortable. Many stores offer women?s versions of sports apparel, but I like to shop online and search for the stores that carry women?s and youth sizes. This way, I know before I go if I?m going to find styles that are too my liking. Some women are such sports fanatics, they don?t care what they wear or how they look, while others still want to look pleasing and fashionable. Either way, the world of women?s sports apparel has evolved to include items that will please female fans of all makes and sizes.?

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EU calls for 'banking union' to ease crisis

European Commissioner for Economic and Monetary Affairs Olli Rehn addresses the media on the next steps for stability, growth and jobs, at the European Commission headquarters in Brussels, Wednesday, May 30, 2012. (AP Photo/Yves Logghe)

European Commissioner for Economic and Monetary Affairs Olli Rehn addresses the media on the next steps for stability, growth and jobs, at the European Commission headquarters in Brussels, Wednesday, May 30, 2012. (AP Photo/Yves Logghe)

European Commission President Jose Manuel Barroso addresses the media on the next steps for stability, growth and jobs, at the European Commission headquarters in Brussels, Wednesday, May 30, 2012. (AP Photo/Yves Logghe)

European Commission President Jose Manuel Barroso addresses the media on the next steps for stability, growth and jobs, at the European Commission headquarters in Brussels, Wednesday, May 30, 2012. (AP Photo/Yves Logghe)

European Commission President Jose Manuel Barroso addresses the media on the next steps for stability, growth and jobs, at the European Commission headquarters in Brussels, Wednesday, May 30, 2012. (AP Photo/Yves Logghe)

European Commission President Jose Manuel Barroso reacts as he addresses the media on the next steps for stability, growth and jobs, at the European Commission headquarters in Brussels, Wednesday, May 30, 2012. (AP Photo/Yves Logghe)

BRUSSELS (AP) ? The European Union's executive office on Wednesday said the 17-country eurozone needs a "banking union" that can centrally oversee and ? if needed ? bail out the sector, which has become a weak link in the continent's financial system.

Fears that the cost of bank rescues could cause governments to need bailouts of their own have been fueling Europe's debt crisis in recent months.

Spain is in a particularly bad situation because its banks are not only holding massive amounts of shaky government bonds but also sitting on huge losses on real estate investments. The country's borrowing rates have hit record highs this week as investors worry it does not have the money to save its banks. One of them asked for ?19 billion ($23.6 billion) last week.

But Europe's attempts to address the weakness of some countries' banking sectors has been hindered by the lack of a central authority with the power to tell banks what to do to improve their balance sheets. That power remains in the hands of the dozens of national regulators.

Highlighting the urgency of the issue, the European Commission suggested Wednesday that regulation of the entire eurozone banking sector be done centrally and that the cost of bailouts be shared.

"Ambitious steps to accelerate and deepen financial integration may be needed. Already before the crisis, it was acknowledged that the EU model of cross-border banking was not stable," the Commission said in a report on how to deal with the financial crisis which has pushed the shared single currency to the brink of breakup.

Part of the proposal would see the eurozone's permament bailout fund, the ESM, charged with helping pay for bank bailouts. That would protect individual governments from having their public finances overwhelmed by the cost of rescuing a bank.

"Direct recapitalization by the ESM might be envisaged," the Commission's report said.

EU Commission President Jose Manuel Barroso said the ESM should be better able to help out troubled banks across national borders if need be. In the future, "the building blocks could include a banking union with integrated financial supervision and a single deposit guarantee scheme," he said.

Germany, however, has long been against such an arrangement because, as the currency bloc's paymaster, it would fund the lion's share of any expenses the European bailout fund runs into. German Chancellor Angela Merkel's spokesman, Steffen Seibert, said there was no change in the country's views: "The German position on direct recapitalization of banks from the European rescue fund is known."

EU Commissioner Olli Rehn cautioned that the plan might call for the reopening of an EU treaty, a politically risky affair in the best of circumstances.

The European Commission also made specific recommendations to nations mired in the financial crisis on how to manage its national budgets and rein in debt and spending.

Spain, which is currently the focus of the European financial crisis, should be given an extra year ? to 2014 ? to get its budget deficit back within European targets.

Rehn said the Spanish government should be given such an extension only if it can effectively control the excessive spending in the semi-autonomous regions and present "solid two year budget plans for 2013 and 2014."

In this case, "we are ready to consider proposing an extension of the deadline to correct the excessive deficit by one year," Rehn said.

Spanish financial markets improved briefly on the news, with the government's 10-year bond yield edging down. The respite proved short-lived as investors focused on the longer-term challenges facing Spain, which is in its second recession in three year, suffers unemployment of near 25 percent and has not yet made clear where it will find money to fund its latest bank rescue, of lender Bankia.

The commission also recommended that Spain "accelerate the increase in the statutory retirement age," and take steps to reintegrate elderly people in the job market. The commission said Spain should tax labor less and rely more on environmental and consumer spending taxes.

In France, as in many other countries, the Commission recommended the country "adopt labor market measures to ensure that older workers stay in employment longer" as well as take steps to make young people more employable.

The commission recommended that Ireland correct its excessive deficit this year, and take further action to address youth unemployment. It also said Ireland needs to pursue the fight against tax evasion, and simplify the regulatory framework for businesses.

European leaders will consider the Commission's recommendations before making a ruling at a summit in June.

___

Geir Moulson in Berlin and Don Melvin in Brussels contributed to this report.

Associated Press

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Foie gras feeding frenzy grows as Calif. ban nears

This is not a good time to be a duck with a fatty liver in California, though better times lie just ahead.

Chefs are loading their high-end menus with duck liver: terrine de foie gras, seared foie gras with mango chutney, foie gras salad and sweet foie gras for dessert: And they are keeping secret the locations of their multi-course dinners to avoid protesters as a July 1 ban looms in California, the only state to outlaw foie gras.

Demand for the delicacy created by force-feeding ducks through funnel-like tubes has never been higher as diners sate their palates with a product that soon will be banned for production and sale in the Golden State.

"The price has doubled. People are finding it hard to get it because the demand is so high," said Tracy Lee of the San Jose-based traveling dining service Dishcrawl, which has organized a series of 15 secret, sold-out foie gras dinners. Her last one is Thursday.

While gourmands stockpile foie gras at $60 a pound, others are stomaching the frenetic food fest with disdain.

"High-end foodies and chefs stuffing down their throats excessive amounts of fatty liver from force-fed ducks in the run-up to the ban paint a pretty ironic picture," said Jennifer Fearing of the Humane Society of the United States.

As the California foie gras feeding frenzy escalates, protesters in San Francisco and Los Angeles are staking out restaurants and even making reservations to tie up seats at dinners they know they'll never attend.

"Many people don't know what foie gras is or how it's produced and they're horrified when we tell them," said Dana Portnoy, who shot undercover video inside a foie gras operation and organizes the San Francisco-area protests. "Occasionally we'll run into antagonistic patrons, but that's usually when we're protesting at the foie gras benefit dinners."

It's why Lee doesn't publicize the restaurants where her dinners will be held until a day before the date.

"So far we haven't had any protesters, which has been nice," she said.

The California legislature gave the state's only producer, Sonoma Artisan Foie Gras, more than seven years to come up with a cruelty-free way to fatten the duck's liver when in 2004 it voted in the ban on producing and selling foie gras. Absent that, a coalition of chefs have mounted a lobbying campaign to try to overturn the law in the future, and the foie gras dinners are funding that ongoing effort.

To the oohs and aaahs of about 30 diners, Chef Josiah Slone hosted a recent seven-course foie gras feast at his Sent Sovi restaurant in Saratoga. He started with arugula with foie gras vinaigrette, moved to foie gras mousse with tartufata and English peas and seared foie gras with savory rhubarb pie. For dessert: foie, peanut butter and chocolate.

"For me, it was more of an educational dinner to talk a little about how foie gras is produced and the science behind how it's produced," Slone said. "Yes there are two sides to it, but understanding the line between science and emotion is very important for people."

There are enough "quality ingredients out there" that his California-French menu won't be lacking when it's gone, Slone said. As someone who goes to extreme measures to source quality meat and vegetables, he thinks animal welfare advocates could end more suffering if they'd focus on practices at large confined animal farming operations producing beef, chicken and pork.

"I think the issue that the animal rights people have is a lot bigger than foie gras," Slone said. "Foie gras was sort of an easy target, sort of low-hanging fruit. But in the sense of improving conditions of animal welfare, ending some of the factory farming practices that big ag is defending is a very admirable goal."

The California ban, which maintains that over-feeding ducks using a pipe stuffed down the esophagus is cruel, comes as four animal welfare groups filed a lawsuit against the U.S. Department of Agriculture last month, making another point about foie gras. They hope to secure a national prohibition by arguing that USDA is violating the Poultry Products Inspection Act by allowing "diseased birds" to enter the food chain.

Foie gras ? French for "fatty liver" ? is made from liver swollen to 10 times its normal size, which the lawsuit argues is acute hepatic lipidosis, a condition linked to obesity in animals. Ducks' livers become so engorged by the feeding process called "gavage" that the birds can't walk and have trouble breathing.

Gavage has been outlawed in a dozen countries including Israel, the Czech Republic, Denmark, Finland, Switzerland and the United Kingdom.

___

Cone reported from Fresno. Associated Press video journalist Haven Daley and photographer Marcio Sanchez reported from Saratoga, Calif.

Contact Traci Cone at http://twitter.com/TConeAP

Associated Press

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New online tool to help families maximize tax, transfer benefits

State taxes and transfers can be an important, albeit complicated form of assistance for low-income families. A new interactive calculator aims to help guide families through the process, including the options when family income increases.

By Elaine Maag,?Guest blogger / May 29, 2012

Tina Dumaguing gets help from her son, Craig, as she applies for food stamps at a kiosk inside the Merced County Community Action Agency in Merced, Calif. in this May 2012 file photo. The Urban Institute's new interactive calculator helps families navigate the complicated tax and benefits systems of states across the country.

Tracie Cone/AP

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State taxes and transfers can be an important form of assistance for low-income families. But the amount of government help varies widely among the states. And, importantly, so does what happens to those benefits when such a family increases its wages.

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The Tax Policy Center is a joint venture of the Urban Institute and Brookings Institution. The Center is made up of nationally recognized experts in tax, budget, and social policy who have served at the highest levels of government. TaxVox is the Tax Policy Center's tax and budget policy blog.

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To help understand how those tax and spending programs work, the Urban Institute has created a new interactive Net Income Change Calculator (NICC). The calculator allows users to enter information about family and work characteristics, child care expenses, rent, and program participation. The calculator then provides estimates for taxes and transfers at five income levels so users can see how taxes and transfers change as income rises.

It includes state and federal income taxes, the employee share of payroll taxes, and a wide range of subsidy programs, including Temporary Assistance for Needy Families (TANF), the Supplemental Nutrition Assistance Program (SNAP, formerly Food Stamps), the Supplemental Nutrition Program for Women, Infants, and Children (WIC) as well as subsidies for Housing and Child Care. All rules represent 2008 law.

The calculator shows how different these benefits are, depending on where a low-income family lives. For example, in 2008, a single parent with two children aged 0 and 3 with poverty level wages could have received transfer benefits ranging anywhere between $4,000 in several states and $9,200 (Connecticut) if she participated in TANF, SNAP, and WIC.

In addition, she could have received about $6,700 in federal tax credits and either owed state income taxes or received additional tax credits.? For example, in Alabama her state tax bill would be over $300 while in Connecticut she would owe no states taxes. She would also have owed almost $1,300 in the employee side of payroll taxes. We assume her childcare costs, before subsidies, would increase to about $250 per month ? some of which could be offset by childcare subsidies. Together, taxes and transfers could have changed this mom?s income from $17,000 in wages to between $27,500 and $32,000 in income and benefits, depending on where she lived.

What happens if that mom gets a job?

A single parent in Connecticut with two young children could have received over $18,000 in transfer benefits if she had no earnings and no income, assuming her pre-subsidy rent was $600 per month. But suppose her earnings increased to $17,000 (poverty level) ? spread evenly throughout the year ? increases in childcare costs (assumed to be $250 per month before subsidies) and payroll taxes would have reduced her earnings by almost $2,000. Income tax credits and transfer benefits would have then added $16,500 ? for a total net income of almost $33,000. If her income increased to twice poverty, she?d have to pay almost $5,600 in subsidized child care costs, state income taxes and payroll taxes. She?d receive about $6,400 in tax and transfer benefits ? for a net income of $35,000. Thus, doubling her wages from $17,000 to $34,000 resulted in a net change in income of only about $2,000.

In contrast, the same family in Alabama could have received almost $17,000 in transfer benefits if the parent had no earnings. If her earnings increased to poverty-level, she would have spent over $2,500 on childcare, state income taxes, and payroll taxes, while transfer benefits and tax credits would have decreased to under $15,000. In total, the family?s net income would rise from almost $17,000 to $29,000. If her wages doubled, the combination of declining transfers, increased taxes, and higher childcare costs would have resulted in a total net income of $33,000 ? an increase of about $4,000.

The NICC provides a powerful tool to understand both how states differ with respect to taxes and transfers, and to understand how a family?s income changes as a parent increases her earnings. Try it out.

The Christian Science Monitor has assembled a diverse group of the best economy-related bloggers out there. Our guest bloggers are not employed or directed by the Monitor and the views expressed are the bloggers' own, as is responsibility for the content of their blogs. To contact us about a blogger, click here. To add or view a comment on a guest blog, please go to the blogger's own site by clicking on taxvox.taxpolicycenter.org.

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AP Exclusive: Calif. 9/11 fund raided for deficits

In this April 21, 2012, photo, Candice Hoglan poses for a portrait with her vehicle with a license plate commemorating the events of Sept. 11, 2001, in Sunnyvale, Calif. Hoglan's nephew Mark Bingham was one of the passengers of United Airlines Flight 93, which was hijacked by terrorists on Sept. 11. After the 2001 terrorist attacks, California lawmakers sought a way to channel the patriotic fervor and use it to help victims' families and law enforcement. Their answer: specialty memorial license plates emblazoned with the words, ?We Will Never Forget.? (AP Photo/Marcio Jose Sanchez)

In this April 21, 2012, photo, Candice Hoglan poses for a portrait with her vehicle with a license plate commemorating the events of Sept. 11, 2001, in Sunnyvale, Calif. Hoglan's nephew Mark Bingham was one of the passengers of United Airlines Flight 93, which was hijacked by terrorists on Sept. 11. After the 2001 terrorist attacks, California lawmakers sought a way to channel the patriotic fervor and use it to help victims' families and law enforcement. Their answer: specialty memorial license plates emblazoned with the words, ?We Will Never Forget.? (AP Photo/Marcio Jose Sanchez)

This April 21, 2012, photo, shows Candice Hoglan's vehicle with a license plate commemorating the events of Sept. 11, 2001, in Sunnyvale, Calif. Hoglan's nephew Mark Bingham was one of the passengers of United Airlines Flight 93, which was hijacked by terrorists on Sept. 11. After the 2001 terrorist attacks, California lawmakers sought a way to channel the patriotic fervor and use it to help victims' families and law enforcement. Their answer: specialty memorial license plates emblazoned with the words, ?We Will Never Forget.? (AP Photo/Marcio Jose Sanchez)

SACRAMENTO, Calif. (AP) ? After the 2001 terrorist attacks, California lawmakers sought a way to channel the patriotic fervor and use it to help victims' families and law enforcement. Their answer: specialty memorial license plates emblazoned with the words, "We Will Never Forget."

Part of the money raised through the sale of the plates was to fund scholarships for the children of California residents who perished in the attacks, while the majority ? 85 percent ? was to help fund anti-terrorism efforts.

But an Associated Press review of the $15 million collected since lawmakers approved the "California Memorial Scholarship Program" shows only a small fraction of the money went to scholarships. While 40 percent has funded anti-terror training programs, $3 million was raided by Gov. Jerry Brown and his predecessor, Arnold Schwarzenegger, to plug the state's budget deficit.

Millions more have been spent on budget items with little relation to direct threats of terrorism, including livestock diseases and workplace safety.

Moreover, the California Department of Motor Vehicles has been advertising the plates as helping the children of Sept. 11 victims even though the state stopped funding the scholarship program seven years ago. The specialty plate fund continues to take in $1.5 million a year.

Californians who lost loved ones in the attacks take the raid on the license plate fund as an affront to the memory of those who died.

"I can't believe that they would do that," said Candice Hoglan, who lives in the San Francisco Bay Area and bought a plate to commemorate her nephew, Mark Bingham. "We're paying extra for the plate; we're making a point, and it means a lot to us."

Bingham was killed on United Airlines Flight 93, which crashed in Pennsylvania, and was one of the passengers who led the attempt to wrest control from the hijackers. His mother, Alice Hoagland, also was troubled by the program's apparent drift from its original purpose.

"I'm sorry that as we retreat in time from 9/11, we seem to be retreating in our resolve never to forget," she said in a telephone interview.

The plates, which cost an initial $50 plus a $40 annual renewal fee, feature an American flag partially obscured by clouds and the "never forget" slogan. Residents of California, where all four jetliners were bound when they were hijacked, have bought or renewed the plates more than 200,000 times since 2002.

Of the other states directly associated with the 2001 attacks, only Virginia has established a similar specialty plate program. Yet it did not set up a special fund for the proceeds of its "Fight Terrorism" plate.

For the past decade, the California DMV has said on its website that the money will "fund scholarships for the children of Californians who died in the September 11, 2001, terror attacks and helps California's law enforcement fight threats of terrorism." It advertises the program with the slogan, "Be a patriot."

While the DMV description of the program was not "totally disingenuous," the department should probably remove references to the scholarship program, said Joe DeAnda, a spokesman for the state treasurer's office, which disburses the money.

"It's out of date and it's on DMV to update that," he said.

Late Friday, the department modified the description of the license plate on its website to remove the reference to the scholarship program in response to the investigation by the AP, which began in March. Spokeswoman Jan Mendoza said the reason promotional materials were not updated sooner was "unknown."

The DMV still lists the scholarship program on the online and hardcopy form drivers fill out to buy the license plates, but Mendoza said the department will change this next time the forms are printed.

The legislation establishing the plates had earmarked 15 percent of the revenue for scholarships. Yet only $21,381 has reached the children and spouses of the three dozen California residents killed during the terrorist attacks. The state treasurer's office closed the scholarship program in 2005, the sign-up deadline for potential recipients, and has $60,000 in reserve.

The total amount dedicated to scholarships was 1.5 percent of the $5.5 million raised through the sale of the plates through 2005.

The original legislation said the remainder of the money would go to "law enforcement, fire protection, and public health agencies" to be used "exclusively for purposes directly related to fighting terrorism."

But in 2008, former Gov. Arnold Schwarzenegger, a Republican, borrowed $2 million to close a budget gap. Last year, Brown, a Democrat, borrowed another $1 million.

Neither loan has been repaid nor are their deadlines to ensure they will be. Elizabeth Ashford, a spokeswoman for Brown, said the loans have done no harm.

"We're trying to simultaneously balance the budget and fund important programs," she said. "If there was an indication that borrowing this money was going to negatively impact this program, we wouldn't borrow the money."

The rest of the money has gone to a wide array of budgets and programs.

The Legislature sent $3.7 million to the California Department of Food and Agriculture, according to the Department of Finance, to establish an online food monitoring database and implement a variety of worker safety programs, including hiring industrial hygienists to tend to worker health.

But it is difficult to say precisely where the money has gone. Late Friday, the agriculture department delivered documents it said were in response to a California Public Records Act request the AP filed eight weeks earlier.

The response contained itemized budget reports going back six years and listing payments for all types of government functions, ranging from salaries and benefits, to printing costs and communication equipment. Among the details: $18,163 for furniture in 2006 and $11,492 for auto inspection in 2009.

The response also included a legislative report on the threats the agriculture department is targeting with an online database the license plate program helps fund . A similar report from 2006, when the license plate money was first authorized, lists bioterrorism as a potential danger. But the 2011 report focuses on food safety and livestock concerns, including foot-and-mouth disease and meat and poultry monitoring.

Director of Animal Health and Food Safety Services Annette Whiteford said the department does not track license plate money separately from other funds.

She said it would be wasteful to reserve the money exclusively for anti-terrorism work. For example, the department uses some of the money to buy safety suits that would be essential during an anthrax attack but also are useful for routine food investigations.

"The things that I worry about in the animal food safety division are very high consequence events, but very infrequent. So I always try to leverage those resources," she said.

Another $2 million has gone to programs that aim to protect Californians from all manner of potential threats, not just those related to terrorism.

The California Emergency Management Agency used nearly $1 million in memorial license plate money for general operations, including administrative costs, buying and fueling cars, and hiring a person from 2007 to 2009 to coordinate five so-called "fusion centers," according to documents obtained through a Public Records Act request.

The other $1 million went directly to the fusion centers, which were founded after the 2001 attacks to focus on terrorist threats but have since switched to an "all crimes" approach that includes gang activity and natural disasters.

Herb Wesson, who wrote the license plate bill when he was speaker of the California Assembly, said he was saddened to hear how the money had been spent.

"I understand the financial climate they find themselves in, but they are not following the spirit and intent of the legislation," said Wesson, now president of the Los Angeles City Council. "The lion's share of the money was supposed to be given to local law enforcement so that they could beef up their anti-terrorism operations."

About 40 percent of the total raised to date, or $6 million, has gone to anti-terrorism training programs for firefighters and law enforcement officers. There is a slight discrepancy between the DMV's revenue figures and the Department of Finance's expenditure figures that neither agency could explain.

Patricia Anderson, who paid $98 for a personalized memorial plate reading "WE R 4US," said she signed up for the program primarily to show respect for victims of the 9/11 attacks. Anderson said she was disheartened but not surprised to learn that much of the money has gone to fill the state deficit or used for general purposes.

"That's California," said Anderson, who now lives near Austin, Texas. "It's kind of a given these days ? nothing is spent on what it's supposed to be."

Associated Press

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Apple's New Retail Boss Is Getting A Huge Pay Day

John Browett, the new retail head at Apple, will receive at least $56 million worth of shares awarded over the course of the next five years, according to The Sunday Times.

That's on top of his annual salary, which isn't being disclosed, according to The Times.

Apple hired Browett in January to be its senior vice president of retail,?replacing Ron Johnson. Johnson left?to become CEO of JCPenney last year.

Browett was Tim Cook's first executive hire after taking over for?Steve Jobs?and reports directly to Cook.

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With the rise of the fantasy sports industry, more and more sports fans are getting more excited to play and have their own fantasy teams. There are plenty of sports sites to try your fantasy skills at. There is also fantasy sports software that you can download where you can set up a league and do your drafts. None better than where Fantasy sports has reached its peak in skill and excitement.

Having fantasy sports software will help you change more settings and do whatever you want as long as the software supports it. There are free and paid fantasy sports software you can get. Free fantasy sports software allows you to play a defensive team but few of them will allow you to use the defensive players in the game which is a bit frustrating if you want to play the game a realistic as possible. You can add bonus points on defense for various different things when you pay for the software. Paid fantasy sports software will give you an exciting dimension to the fantasy league.

There are many fantasy sports sites that you can download free fantasy sports software from. Major fantasy sport sites offer these to their players. Another factor when you are considering your free fantasy sports software is whether or not you are going to have a daily or weekly scoring system. While this is not an issue in football, it is for every other major sport. This is an important factor because it will affect the players that you start, especially your pitching staff in baseball.

Whether you choose rotisserie style or head to head, weekly or daily scoring, there is an ample amount of free fantasy sports software programs out there for you to choose from. In all honesty, the best way to figure out which one you like is to play them all for one season and see which one fits the league style that you want to run. Remember, they don?t cost anything so there is no harm in being a total fantasy sports junkie for one season. Just be careful not to get hooked and join that many leagues that you have to pay for!

If you will be playing in a big money league and really want to set up the game, paying for a fantasy sports software is of course recommended because it?s got more features and of course, you might want to win some real money! Some people are putting in a couple of hundred dollars to get into a league, adding some $20 or more per man is no big deal when you look at the uniqueness you can add to your fantasy league.

Tags: fantasy sport, fantasy sports industry, fantasy sports software, fantasy teams, free fantasy sports, season, Software, style

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Looking for Writers for Scotland and London Websites

I?m still working on the next installment of my Journey to $9,000 series but, damn, those posts take forever! Seriously. So instead of rushing through them, I?m taking my time to try to make them really good resources with a good dose of inspiration and am working on some other projects at the same time. Here?s one of them? well, two of them?

The website I bought at the end of last year, Blighty Traveller, has been a ridiculously huge success. It?s pretty much been responsible for adding thousands of dollars to my earnings each month. Plus it does it in the most ideal way ? people pay me to give me free content. Yep! I don?t really do anything except add the post and find and edit a photo to go with it. All of the content on that site these days is paid. I know? it makes me feel a bit icky to admit that but the content I?m getting is actually of a really good quality. Much better than I?d get by outsourcing through a site like Textbroker and much better than I?d write myself ? mostly because I wouldn?t write anything myself. So it seems like the perfect business model. At least for now while businesses are paying for this sort of thing.

So with that in mind, I?m making an attempt to copy the format and concept of the site but with slightly different topics. I?m working on putting together a similar site focused on travel in Scotland and one on travel in London. The idea and look of the site will be the same, but instead of focusing on England (and a bit on the rest of the UK), the sites will be strictly London and Scotland traveller info. It?ll end up being a trio of related sites with the same design and similar site names but with different (but related) topics.

I know? London and Scotland, it?s been done before a million times, already. But I?m confident I can make good sites that will be strong earners for me in the future. Here?s why:

• I?m very familiar with both places (I lived in London for 5 years so know it pretty well and my family is Scottish and I?ve spent plenty of time there).
• I have a network of old, trusted, related sites to link to these new sites to help with SEO.
• I have other similar websites that draw in potential advertisers and I know that suggesting other related sites on different IP addresses usually results in extra ad sales.
• I?m willing to pay writers to help get the content built up?

?that?s where you might come in! I?m hoping to have London and Scotland-based blogger types help me build up the content for these sites, and I?m paying! Here?s the deal:

• I can pay GBP20 per article of around 700-1000 words (into a Paypal account).
• I can probably afford 10 articles per site per month.
• I?ll probably only be looking for about 50 articles per site total. So this isn?t going to be a career move for you, just a way to earn some extra cash doing (hopefully) something you enjoy.
• I?ll need original articles. If you?re a blogger whose already written about a particular subject, it?s totally fine to write about it again for my site. Just make sure to start fresh and maybe put a different spin on it to make it unique. Moving paragraphs around and changing a few sentences on something you?ve already written won?t work for me.

Here?s who I?m looking for:

• Someone living in Scotland (doesn?t matter where) and someone living in London. People who enjoy travelling around and checking tourist things out. Foreigners in these places would be good because that?s the market the site is for, but locals also works because you?ll have those local insights. Just be living there.
• Ideally I would like to work with as few people as possible per site so if you?ve got the time, eagerness and ability, I?d consider waiting longer to get the content to work with the right person.
• My price per article isn?t great so I?m not looking for professional writer types. Bloggers starting out would be ideal because you?re probably familiar with WordPress and writing for the web, I can check out your blog to see your writing style and give you a bit of exposure (I won?t be giving out links at the bottom of each post but I will add you to a contributor page with a link to your blog).
• I want someone who knows the basics of WordPress (so that the articles can be typed directly into my WordPress admin panel with a bit of formatting, choosing categories etc).
• Someone who writes in a fun way but is direct and can also take note of the boring but important details like prices, opening hours of things, etc. I?ve never been a fan of filler like describing the way the flowers smelled on the beautiful summer day etc. I don?t care. I want facts served up with a nice helping of personality.
• Someone who has the time to churn out 4 to 6 articles a month would be great. If you think you can get me the full 10 articles a month and I like your writing, then I?d be happy to work with just one person per site.

If this sounds like something you?d like to work with me on, please get in touch! Email me at travoholic@yahoo.com with this info:

• Name and which site you want to work on. So? do you live in Scotland or London, basically.
• If you have a blog, link to three posts you think highlight your writing style.
• If you don?t have a blog, send me three files to give me an idea of your writing style (preferably to do with tourism-related stuff) or links to any writing you?ve done online.
• How many articles you think you could manage in a month.
• Three suggestions for articles that you?d writer first. Come up with titles for the suggestions.
• How confident you are using WordPress.
• Any questions you have about working on this.

I?m looking forward to hearing from you!

Has anyone else ever hired writers directly to work on a new site? This is all pretty new territory for me? I tend to outsource to Textbroker but I feel like I?ll like working with two (or a few) individuals more closely rather than the faceless people I find through Textbroker. Well, I?m sure they do have faces (I hope) but it?s all just so impersonal. I?m liking the relationships that I?m building as I work on my living in Kampala site with a team of writers (more on this in a post soon) so I?m hoping to establish the same thing with these two sites. It?s nice working with other people and it?s also nice when they get excited about the project as well? really pumps me up too.

So? we?ll see how it goes!

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Facebook is the worst performing IPO of the decade :)

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   it was to be its destiny ..........from the day they announced the ipo...........facebook and all social networking sites are just new ways of making huge money for the real masters of this world. they looted ppl just like their everyday affair.

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The Beginner's Information to Secure Medical Employment in Dubai ...

Well being Care is getting to be progressively pricey in the Western Countries. Dubai experienced an option in Well being Treatment Tourism, attracting subjects and their relatives to Dubai for First of all World treatment solution at 2nd Planet costs. No doubt this proved to be a large winner. The big, prosperous Hospital chains from the West had been invited to initiate operations and fairly undoubtedly this put together an awesome desire for huge good quality Health related Positions in Dubai. Health and wellbeing Care Job opportunities in Dubai have seeing that started off to boom. In reality, Medical professionals and Nurses from the West have begun very seriously eyeing positions in Dubai, due to the superior life-style and one hundred% Cash flow Tax free of charge jobs right here. Toss in a bunch of excellent Perks like a well furnished apartment or villa, a luxury automobile and you have the most effective talent vying to protected a job in the Town of Gold.

Making use of to Recruitment Companies is incredibly valuable, but not adequate adequate. To safe worthwhile Dubai Healthcare Work opportunities demands you to be a whole lot more proactive. We existing broad tips on our webpage, that you will discover pretty helpful to apply and protected your Dream Dubai Clinical Employment.

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10. Various Medication Doctor, Unani, Ayurvedic or Homeopathic Medical professional,
11. Healthcare Director, Audiologist, Gastroenterologist,
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3. Interview Thoughts & Solutions (Middle East region special)
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Uploading & registering your Resume on the web-sites of the subsequent Recruitment Businesses in Dubai is really encouraged. These businesses expressly recruit for Clinical Employment in Dubai:

• EMedHR
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• Beresford Blake Thomas (BBT) Minimal
• BEAMS Intercontinental Management Consultants

Uploading & registering your Resume on the websites of the adhering to Hospitals & Nursing Residences in Dubai is remarkably advocated. These establishments are some of the major hirers, and they occur out tops when worker fulfillment is involved:

• Emaar Healthcare
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• Cedars ? Jebel Ali Worldwide Hospital
• Ghodousi Medical related Center
• Neuro Spinal Hospital
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• dubai_4ever
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Navigate to the page, for comprehensive and complete facts.

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Recent Figures and Developments Strengthen Speculations for ...

Managing a company?s HR and finance and accounting processes can be strenuous for a company?s administration personnel, which is why outsourcing such tasks are becoming more popular. Aside from saving a lot of effort, payroll and accounting outsourcing have been shown to help a company?s budget. More companies are opening their doors to payroll and finance and accounting outsourcing and this may be due to the fact that outsourcing may bring in more benefits to a company than they could have imagined. The Internal Revenue Service of the United States government sanctions those employers that have committed errors in their payroll filing. In order to avoid being sanctioned, companies are turning to solutions providers to handle their company?s payroll and accounting processes.Before 2010 ended, there were speculations that payroll outsourcing will see more opportunities this year and that there is a possibility that it will see a rise in demand. Speculations on the industry?s growth became stronger as more developments on outsourcing companies have been reported. ASAP Accounting & Payroll Services Inc., a Colorado-based company whose main clientele are small and medium sized companies, reported that their company was able to hit its $100 million mark in payroll processing. According to the article, what may have pushed the companies to look into outsourcing is the economic downturn that took place in 2008. But even though the economy already recovered, companies are still pushing for the expansion of the payroll and accounting outsourcing industry.In support of the speculations delivered last year, WNS Holdings (NYSE:WNS), a known provider of finance and accounting solutions, was recently ranked among the top companies in North America by IR Global Rankings, recognizing its efforts for the past year. Another industry key player, Genpact (NYSE:G), saw its global client revenues grow by 16 percent over 2009, with finance and accounting services leading the growth. This growth is attributed to the company?s expansion of their finance and accounting arm.Payroll and finance and accounting outsourcing solutions are covering all areas of the spectrum in terms of company size as it is not limited to small and medium sized businesses. A giant oil and gas company, Shell (NYSE:RDS.A), announced that it has delegated a total of 8,000 roles across six shared services centers around the globe for the past five years, with most of the roles covering financial processes. Having seen the benefits of outsourcing, such as being able to slash $4 billion off the company?s costs for the last two years, it looks like Shell would continue outsourcing some of their company?s financial processes.A partnership that can also attest to the fact that it was a good start for the accounting outsourcing industry is the one between Clifton Gunderson and Intacct. Last January, Clifton Gunderson, a Wisconsin-based accounting consultancy firm, entered into a deal with Intacct, a cloud financial management and accounting applications vendor, allowing the former to make use of the latter?s enterprise software. Clifton Gunderson will now be able to provide their staff and clients the ability to share real-time access, improving collaboration between both parties.With these recent industry figures and partnerships, it is inevitable to think that 2011 was indeed greeted with more opportunities for the payroll and finance & accounting industry.

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Lower Insurance for EV Drivers? | Hybrid Cars

Published May 25, 2012

By Huw Evans

Although they cost more to buy or lease than internal combustion engine equivalents, electric vehicles not only save in operation costs, it appears insurance premiums can be less as well.

According to Jack R. Nerad, executive editorial director of Kelley Blue Book?s KBB.com, EV owners are considered to be a careful bunch, more mature.

?They?re not the twenty something male who gets into the most fights and has the most car accidents.?

However, given that EVs still represent a tiny fraction of the overall passenger car market, it can be hard to gauge exactly what sort of premiums should be charged for operating one.

Nonetheless, as electric vehicles proliferate, so do insurance policies designed to cover them, leading to a growing level of competition. Hartford Insurance is seizing an opportunity to win over EV buyers, by providing a five percent discount nationwide.

As for the reason, Hartford is saying this because driving an EV shows support for sustainability, although the greater degree of cautiousness among electric vehicle motorists seems to be an underlying theme.

One Chevy Volt owner in correspondence with others said, ?we [all] seem to be less hurried about driving.?

According to Edmunds.com, the estimated average annual premium for a Volt in the first five years of ownership is approximately $1,452, compared to a car such as the Cadillac CTS, with costs around $2,024 per year. It?s a similar saving scenario for the Nissan Leaf, which costs around $1,500 to insure annually; by comparison, a mid-size Maxima sedan is over $1,800.

Yet there is a flipside to this. Due to the level of technology employed in cars such as EVs and plug-in hybrids, some insurance companies are charging higher premiums than regular vehicles, based on the projected costs of repairs.

A spokesperson for insurance company Progressive; Brittany Senary, said ?because newer vehicles with more expensive technology and parts [such as EVs] generally cost more to fix, they?re generally more expensive to insure. We [Progressive] don?t offer discounts because we cannot justify them based on our claims data.?

Clearly it pays to shop around.

USA Today

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Lady Gaga angers Thai fans with fake Rolex comment

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Offshore rocks near Rikuchu National Park, Honshu, Japan (? Chad Ehlers/Photolibrary) ? (Bing United States)

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HP's missteps culminate in loss of 27,000 jobs

FILE - This Feb. 21, 2012 file photo shows a Hewlett Packard logo in Frisco, Texas. Hewlett-Packard said Wednesday, May 23, 2012 that it's laying off 27,000 workers, 8 percent of its work force, as it restructures the business. The Palo Alto, Calif., company said it'll save $3 billion to $3.5 billion annually from cost cuts, including the layoffs. Hewlett-Packard Co. expects to complete the job cuts by the end of fiscal 2014. (AP Photo/LM Otero, File)

FILE - This Feb. 21, 2012 file photo shows a Hewlett Packard logo in Frisco, Texas. Hewlett-Packard said Wednesday, May 23, 2012 that it's laying off 27,000 workers, 8 percent of its work force, as it restructures the business. The Palo Alto, Calif., company said it'll save $3 billion to $3.5 billion annually from cost cuts, including the layoffs. Hewlett-Packard Co. expects to complete the job cuts by the end of fiscal 2014. (AP Photo/LM Otero, File)

FILE - In this March 9, 2012 file photo, Hewlett Packard CEO and President Meg Whitman speaks at a conference on the Stanford University campus in Palo Alto, Calif. Hewlett-Packard said Wednesday, May 23, 2012 that it's laying off 27,000 workers, 8 percent of its work force, as it restructures the business. The Palo Alto, Calif., company said it'll save $3 billion to $3.5 billion annually from cost cuts, including the layoffs. Hewlett-Packard Co. expects to complete the job cuts by the end of fiscal 2014. (AP Photo/Paul Sakuma, File)

SAN FRANCISCO (AP) ? Hewlett-Packard CEO Meg Whitman has quantified the painful price that must be paid for the missteps of her predecessors as she tries to turn around the Silicon Valley pioneer. The bungling will wipe out 27,000 jobs so HP can save enough money to lift its earnings and invest in the development of more profitable products and service.

The streamlining announced late Wednesday amounts to the largest payroll purge in Hewlett-Packard Co.'s 73-year history. About 8 percent of HP's nearly 350,000 employees are to be gone by October 2014.

The announcement came eight months after HP hired Whitman to turn the company around. The company expects to save $3 billion to $3.5 billion annually from the job cuts and other austerity measures. HP will try to reduce the number of layoffs by offering early retirement packages.

The somber news overshadowed the release of HP's latest quarterly results. Although HP's earnings and revenue declined from a year ago, the numbers were better than analysts had projected. HP delivered another pleasant surprise by offering a forecast that raised hopes that HP may be poised to bounce back.

"While I wouldn't say we have turned the corner, we are making real progress," Whitman told analysts during a conference call.

Investors were pleased, although it wasn't clear whether their glee had more to do with the cost-cutting or the company's performance during its fiscal second quarter, which ended in April.

HP shares surged $1.97, or more than 9 percent, to $23.05 in Wednesday's extended trading following the announcements.

They're still worth just half what they were before HP parted ways with Mark Hurd, a cost-costing specialist who stepped down in 2010 amid a scandal revolving around the nature of his relationship with a former actress who worked as an HP contractor. An investigation uncovered inaccurate expense reports.

The current troubles at HP have been traced both to Hurd and his successor, Leo Apotheker, who didn't respond to the threat posed by a shift to computing on smartphones and tablets.

Whitman's plan calls for less bureaucracy so the company can respond more quickly to customer needs. She also wants to boost research and development to spur innovation.

HP, which is based in Palo Alto, Calif., has been struggling to sell more personal computers and printers; demand has softened as people spend more time surfing the Web on phones and tablets such as Apple Inc.'s iPad. And the company's efforts to sell more business software and consulting services have been stymied by competition from the likes of IBM Corp. and Oracle Corp.

"Work force reductions are never easy," Whitman said Wednesday. "They adversely impact people's lives, but in this case, they are absolutely critical to the long-term health of the company. Our goal is simple: a better outcome for the customers at reduced cost for HP."

Whitman plans to funnel most of the savings from the job cuts into product development, with an emphasis on three areas: software services delivered online, a concept known as "cloud computing"; data storage and analysis; and computer security. Some of the extra cash will go toward boosting HP's earnings, too.

HP's work force has undergone several reorganizations during the past decade. Two of the biggest occurred during Hurd's regime. HP announced 14,500 job cuts in 2005 in one of his first big acts as CEO. A round of 24,600 cuts came in 2008 after HP bought technology consulting service EDS for $13.9 billion.

HP did not say where it would make the latest cuts. It is combining its printer and PC divisions, which could reduce some overhead.

In related moves, Whitman is changing the leadership at HP's recently acquired Autonomy division, which makes software that finds and analyzes data within companies and government agencies.

Bill Veghte, HP's chief strategy officer, is replacing Autonomy founder Mike Lynch in an effort to boost the division's financial performance. The shake-up is likely to amplify investor concern about whether HP blundered last year when it paid $11 billion for Autonomy. Apotheker announced the deal in August, just a month before he was fired.

Whitman told analysts she still believes the Autonomy acquisition was smart.

The company earned $1.6 billion, or 80 cents per share, in February through April. That's 31 percent less than the $2.3 billion, or $1.05 per share, it earned a year earlier.

Excluding one-time items, the company said it earned 98 cents per share. That topped the average estimate of 91 cents per share among analysts surveyed by FactSet.

Revenue fell 3 percent to $30.7 billion, but that was about $800 million above analysts' average projection.

To pay for severance and other restructuring costs, HP expects to take a pre-tax charge of about $1.7 billion in the current fiscal year, which ends in October. About $1 billon of those charges will come in the current quarter, which ends in July. HP expects to record $1.8 billion more in charges through fiscal 2014.

The company also expects to register a charge of $1.2 billion to account for the declining value of the Compaq computer brand. HP bought Compaq a decade ago in a deal that many shareholders, including the son of a company founder William Hewlett, tried to block.

Associated Press

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