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Source: http://twitter.com/eddiebravo/statuses/218471472694435840

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Healthcare reform in the US is still a hotly debated topic, even after a long awaited ruling by the Supreme Court was handed down on Thursday. Here are details of the court?s decision, and how businesses in particular could be affected.

Supreme Court Decision

What the ruling says. It?s a decision that stunned some pundits and will undoubtedly send ripples throughout the business community. The Supreme Court ruled 5 to 4 that Congress acted within its rights to require most Americans to carry health insurance. The law also carries requirements for businesses regarding healthcare for employees. Boston Herald

What it means. What the decision means to you depends greatly upon the size of the business you operate. For example, if you own and operate a one person business, the impact will be much the same as it is for an individual. If you have more than 50 employees on the other hand, the impact on your business could be quite different, depending upon whether or not you currently provide healthcare coverage for workers. The Wall Street Journal

Reactions & Reflection

A mixed bag. The Supreme Court decision will likely mean higher costs for small businesses, especially some that may not currently offer healthcare coverage for employees. But the reaction among small business owners and groups has been a bit more varied, with some concerned the decision represents a terrible blow to entrepreneurship while others believe it will bring down costs. The Washington Post

A moment of clarity. Some small business owners are less than happy with the Supreme Court ruling on healthcare and requirements that they must now supply coverage or be hit with a fine. But economists argue the ruling does provide one benefit to business owners: the clarity to finally know how to plan for the future. Los Angeles Times

Healthcare Implications

Winners and losers. As the 80?s rock band Journey once sang, ?Some will win, some will loose, some are born to sing the blues.? In the same way, some businesses will be winners and others will be losers with the Supreme Court ruling on healthcare. Businesses in the healthcare industry, for example, will in many cases be doing better. However, some businesses that don?t currently provide healthcare are in for a big cost increase. ABC News

Benefits vs. costs. Another way to look at the Supreme Court ruling is to think of it in terms of benefits and costs for all businesses. For example, some argue the insurance requirement will have the overall impact of lowering costs as the pool of healthy people expands. On the other hand some businesses will pay more for mandated care. Entrepreneur

Cost controls. One major question that remains to be answered is what the Supreme Court ruling will do to healthcare costs. Of course by now, most business owners understand the existing legislation would force some companies to spend more. But will the requirement cause overall healthcare costs to rise or fall? Bloomberg Businessweek

Some Uncertainties

Doom and gloom. Will the US supreme court ruling on healthcare reform really destroy businesses? The National Federation of Independent Businesses predicts the legislation, if left in tact, would cause businesses closures and job loss. But not everyone has the same dark predictions. CBS Chicago

Questions unanswered. But while many experts insist the ruling resolved the issue of healthcare for businesses, some say the decision leaves questions unanswered. These critics believe many businesses may simply hold off on hiring until after the US presidential election, since one candidate vows to get rid of the law if elected.? CNBC

Healthcare Elsewhere

A new business model. Elsewhere, like in the UK, healthcare costs have lead to new business models, including outsourced care. Here one such insurance product is reviewed. Those selling the package claim to cut costs by as much as 50 percent over other programs by providing access to a network of international hospitals. IFAonline

Source: http://smallbiztrends.com/2012/06/supreme-court-rules-on-healthcare-how-your-business-will-be-affected.html

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[ [ [['Connery is an experienced stuntman', 2]], 'http://yhoo.it/KeQd0p', '[Slideshow: See photos taken on the way down]', ' ', '630', ' ', ' ', ], [ [['Connery is an experienced stuntman', 7]], ' http://yhoo.it/KpUoHO', '[Slideshow: Death-defying daredevils]', ' ', '630', ' ', ' ', ], [ [['know that we have confidence in', 3]], 'http://yhoo.it/LqYjAX ', '[Related: The Secret Service guide to Cartagena]', ' ', '630', ' ', ' ', ], [ [['We picked up this other dog and', 5]], 'http://yhoo.it/JUSxvi', '[Related: 8 common dog fears, how to calm them]', ' ', '630', ' ', ' ', ], [ [['accused of running a fake hepatitis B', 5]], 'http://bit.ly/JnoJYN', '[Related: Did WH share raid details with filmmakers?]', ' ', '630', ' ', ' ', ], [ [['accused of running a fake hepatitis B', 3]], 'http://bit.ly/KoKiqJ', '[Factbox: AQAP, al-Qaeda in Yemen]', ' ', '630', ' ', ' ', ], [ [['have my contacts on or glasses', 3]], 'http://abcn.ws/KTE5AZ', '[Related: Should the murder charge be dropped?]', ' ', '630', ' ', ' ', ], [ [['have made this nation great as Sarah Palin', 5]], 'http://yhoo.it/JD7nlD', '[Related: Bristol Palin reality show debuts June 19]', ' ', '630', ' ', ' ', ], [ [['have made this nation great as Sarah Palin', 1]], 'http://bit.ly/JRPFRO', '[Related: McCain adviser who vetted Palin weighs in on VP race]', ' ', '630', ' ', ' ', ], [ [['A JetBlue flight from New York to Las Vegas', 3]], 'http://yhoo.it/GV9zpj', '[Related: View photos of the JetBlue plane in Amarillo]', ' ', '630', ' ', ' ', ], [ [['the 28-year-old neighborhood watchman who shot and killed', 15]], 'http://news.yahoo.com/photos/white-house-stays-out-of-teen-s-killing-slideshow/', 'Click image to see more photos', 'http://l.yimg.com/cv/ip/ap/default/120411/martinzimmermen.jpg', '630', ' ', 'AP', ], [ [['He was in shock and still strapped to his seat', 6]], 'http://news.yahoo.com/photos/navy-jet-crashes-in-virginia-slideshow/', 'Click image to see more photos', 'http://l.yimg.com/cv/ip/ap/default/120406/jet_ap.jpg', '630', ' ', 'AP', ], [ [['xxxxxxxxxxxx', 11]], 'http://news.yahoo.com/photos/russian-grannies-win-bid-to-sing-at-eurovision-1331223625-slideshow/', 'Click image to see more photos', 'http://l.yimg.com/a/p/us/news/editorial/1/56/156d92f2760dcd3e75bcd649a8b85fcf.jpeg', '500', ' ', 'AP', ] ]

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Source: http://news.yahoo.com/europes-cities-plan-combat-mounting-climate-risk-131915376.html

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Digital age changed just how organizations do advertisements. Today, internet website marketing steadily increases more relevance over utilization of classic media. The net delivers inexpensive and also efficient ways to make contact with target markets. It provides a much wider reach when compared with virtually any platform. For enterprises, this will make a convenient selling locale. There is no need to exchange from one platform to another. You possibly can undoubtedly get through to as much individuals with the net solely. The transforming purpose of the internet stresses the necessity of having a website and investing on web page design. Without a very good site along with web design Calgary, your web selling initiatives might go to waste.

First Impressions Matter Online

Internet marketing depends closely on first opinions. You lose potential sales if you dont fascinate customers upon initial look. Web page design affects exactly how people see you. A disorganized online site conveniently turns them off while a well-organized site takes in awareness. Nowadays, youll be able to tell whether an enterprise is great through their web page design. Individuals see which corporations put thought on the website and which do not. This indicates the companys standard of determination.

If you are not patient enough to improve your websites layout, users will not expect the same commitment. Dedication manifests in different aspects of your business. Maintaining quality all throughout including promotions encourages positive brand perception. Create enough curiosity to convince the user to see what you have to say. Base your web design on the needs and preferences of your target market.

Cheaper than Other Promotional Products

A very good web design does additional selling than numerous published press. Furthermore, it is cheaper. You dont need to fund components similar to leaflets, billboards, and tarpaulins. You just must work with a Calgary web designerfor the position. This can be cheaper than paying for the production rates of all printed media out there. Additionally you need not enhance your web page design continually. Simply plan a standard period of time for revamping your website. Normally, online websites dont have to go a total overhaul unless of course it scarcely takes traffic.

Designing your site accordingly can merit points from search engines. People rely more on search engines to search out products and services. Paying attention to your website gives you a lot more prospective customers. How you show up on search results bring in or push persons away.

Better Marketing Potential

After initial impression, an excellent web design can convince users to browse even more. Your website layout should reflect your expertise in the business. An amateurish design will not cut it. A professionally designed website makes it easier for users to find what they need.

Hire a Professional

Dont take chances. Let a specialist service provider cope with your Calgary web design. You prevent ruining your site and sacrificing great shoppers. Third party providers have the know-how to handle the work. They might also provide web assessment in addition to monthly updates. This enables you to concentrate more on the different facets of your enterprise.

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[unable to retrieve full-text content]26.06.2012 | Author: ModestoHelmy792 | Posted in Reference and Education. Home education is ... Some mother and father want to guantee that their baby is getting all of the education needed regardless that he is staying and studying at home as a substitute of studying contained in the classroom. ... You may be there to information your youngster in some matters and issues that could be simply misinterpreted when explained at school by academics or other classmates. By way of ...

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Phew! On the heels of big events from Apple and Microsoft, Sergey and co. got their time to shine at the Google I/O event this week in San Francisco. The show kicked off with a a keynote that featured insight into Android Jelly Bean, the unveiling of the Nexus 7 tablet and Nexus Q media streaming device, plus some seriously amazing demos of Project Glass, among others. Was the two-hour-and-change press conference enough to push Google out in front of the competition? Check out our thoughts after the break.

Continue reading Editorial: Engadget on Jelly Bean, Nexus Q, Nexus 7 and Project Glass

Editorial: Engadget on Jelly Bean, Nexus Q, Nexus 7 and Project Glass originally appeared on Engadget on Wed, 27 Jun 2012 21:45:00 EDT. Please see our terms for use of feeds.

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For starters, massage is calming and also stress-relieving. In addition, this improves blood circulation as well as physical health, which can make you are feeling much more energized during the workweek. The same is true regarding other basic day spa services. Finding a facial, shelling out fifteen minutes inside a sauna, or having your head massaged prior to visiting the hair salon may melt off your entire worries regarding perform as well as residence stresses for at least how long you may spend being fussed over.

Together with their particular mini-vacation recreation, numerous health spas offer courses which are meant to help you learn to handle stress and take it easy on your personal. Yoga exercise, tai chihuahua, and also meditation classes are usually kept from doctor offices in order to obtain visitors to discover ways to get away their own constant worry as well as issue over their own difficulties. Furthermore, many health spas use visitor loudspeakers in the future and also talk to consumers upon anxiety supervision strategies.

Another method associated with stress reliever widely used with a day spa is actually aromatherapy. Particular aromatherapy aromas are designed to affect the transmitting of brain chemicals that induce tension. The existence of these types of aromas leads to the actual decrease in anxiety. Aromatherapy is often utilized with spas.

Numerous spas provide weight-loss as well as fitness counseling solutions. Simply because weight-concern is definately a top reason for anxiety, many people sense significantly less anxious once they understand that they?re getting far better care of by themselves. Furthermore, workout and also healthful consuming result in far better health and, subsequently, better mental health.

Many people elect to use the stress-relieving benefits of a day health spa each week, a few prefer a yearly vacation to a location health spa, plus some simply devote a day with a spa sometimes once they do not want a regular getaway plus they have to have a crack. Vacation to per day spa may be only the break a person needs each time a vacation is out of the particular question. Regardless of how usually an individual check out a health club, it is possible to advantage on an emotional level simply by involving oneself within the stress-relieving great things about a day spa.

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With Europe preparing for a big vote next week on ACTA, the sweeping online copyright and counterfeit trade treaty, today the UK regulator Ofcom set out a proposal for how large ISPs in this country (ie more than 400,000) should tell their users when they've been found to be infringing on copyright -- illegal activity that the government estimates costs the industry up to ?400 million per year in the UK ($625 million). This has been a long-running story, with the initial proposals causing not a little controversy; this is Ofcom's second stab at the concept. Some initial takeaways: the measures look expensive to implement; and they appear to be a further extension into how users are monitored by their service providers, and how that monitoring can be used against them. On the positive side, it looks like users will have a slightly wider berth in terms of appealing and defending themselves against infringement allegations.

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Every other company with strict simple rules nowadays follows the ?business process management? life cycle. This is so that they are able to gain maximum cliental base with high revenue generation in the markets. The main thing about such a life cycle is that it helps in the proper planning of the workflows and defines the criteria for every business to follow 5 steps of success in every departmental activities.

In the IT department however, it is becoming difficult to process. This is not because the professionals are non-competent or the company is not able to take care of the procedures. It is because of the fact that the IT advancements have led the companies to cut costs. Not every company is able to build up IT infrastructures according to the every three-month paradigm shifting technologies in the market.

Avoiding cost of business management through IT outsourcing

To avoid this and to avoid the extra cost, one good example that is now being processed in the market successfully is the use of the outsourced companies that help to refine the product development and project innovation in any company. ?Such companies are so famous in UK as, the Manchester IT services companies that any other company can take help form them. They do not only serve the companies in UK, but all around the world, they are known for good IT services in low cost and high quality of effective services.

Services of IT companies

These companies work in parallel to your company strategic objectives and develop IT infrastructure that matches your requirements. The business process life cycle in your company will be thoroughly studied by the IT outsourcing experts. They know how your company wants the IT systems to work and then they will build up such an infrastructure that will only benefit your company. They provide services in the area of:

Software development
Managing workflows
Hardware integrating
Data recovery
DSS and ESS systems
Networking, VPN clients
Defining IT system procedures
Matching up to the IT requirements, data base connectivity
Breaking data silos etc

To know more, you can log on to the different websites and the blogs of the companies that work in this area. You can also use?their?contact us page to get more info and help regarding the IT issues.

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COLORADO SPRINGS, Colo.?? Flames forced thousands of Colorado residents from their homes over the weekend and disrupted vacation plans for countless visitors as smoke shrouded some of the state's top tourist destinations, including majestic Pike's Peak and tranquil Estes Park.

Colorado is having its worst wildfire season in a decade, with more than a half dozen forest fires burning across the state's parched terrain. Some hotels and campgrounds are emptying ahead of the busy Fourth of July holiday.

One of the newest fires, a blaze near Colorado Springs, grew to more than 6 square miles Sunday after erupting just a day earlier and prompting evacuation orders for 11,000 residents and an unknown number of tourists.

The fire sent plumes of gray and white smoke over the area that obscured at times Pikes Peak, the most-summited high-elevation mountain in the nation and inspiration for the song "America The Beautiful."

Winds had started to push smoke away from Colorado Springs and evacuations orders were lifted for the 5,000 residents of nearby Manitou Springs, but area residents and tourists still watched nervously as haze wrapped around the peak.

"We're used to flooding and tornadoes, nothing like this," said Amanda Rice, who recently moved to the area from Rock Falls, Ill. Rice, her husband, four children and dog left a Manitou Springs hotel late Saturday.

Rice, scared when she saw flames, took her family to the evacuation center before she was told to go.

"It was just this God-awful orange glow. It was surreal. It honestly looked like hell was opening up," Rice said Sunday.

Even while other large fires burn across the West, Colorado's blazes have demanded half the nation's firefighting fleet, according to Colorado Gov. John Hickenlooper. He said C-130 military transport planes from Peterson Air Force Base in Colorado Springs would begin assisting Monday.

"People recognize this is going to take a big push" to extinguish, Hickenlooper said Sunday from a Colorado Springs grocery store, where volunteers were passing out burritos, sandwiches and drinks to 350 firefighters working near Pikes Peak.

A statewide ban on open campfires and private fireworks has been in place for more than a week.

While no homes were reported damaged in the Colorado Springs-area fire, a forest fire near Rocky Mountain National Park destroyed structures near the mountain community of Estes Park. The Larimer County Sheriff's Office said Sunday that 22 homes and two outbuildings had been burned.

The Estes Park fire destroyed vacation cabins and closed the most commonly used entrance to the park. Clouds of smoke blew toward the 102-year-old Stanley Hotel that inspired Stephen King to write "The Shining."

Also over the weekend, residents of a subdivision near the northern Colorado city of Fort Collins learned that 57 more homes in their neighborhood had been lost to the High Park Fire, which already had claimed 191 homes, authorities said.

Video: Wildfires rage across West

The High Park Fire is the second-largest wildfire and among the most expensive in Colorado's history. It has scorched more than 130 square miles and was just 45 percent contained on Sunday, The Denver Post reported.

With Colorado midway through its worst wildfire season in a decade, travelers have seen some of their favorite sites closed to the public, obscured by smoke and haze. Some travelers were awoken with evacuation orders.

Families planning whitewater rafting trips or visits to the stunning red-rock formations in Garden of the Gods park in Colorado Springs were instead spending their vacations passing out bottled water and setting up cots in evacuee centers.

They included Mark Stein, of Morristown, N.J., whose family arrived after midnight Sunday at their Manitou Springs hotel for a week of whitewater rafting and sightseeing.

"We were sleeping for 15 minutes when they started knocking on the door ? a day from hell," Stein said of the day of travel. With his wife and two sons, Stein spent the first night of his vacation setting up cots for more than 200 evacuees who slept at the school.

"I think it's the best vacation ever. This is what the real world is about. There's a lot of people that need help," Stein said.

Also Sunday, a brushfire that began near Elbert, about 50 miles southwest of Denver, quickly spread to about 60 acres, forcing the evacuation of about 100 residents.

Elsewhere, firefighters contended with windy and heat as they battled wildfires in Utah, New Mexico, Arizona and California.

? In Utah, a 15-square-mile blaze around Fountain Green in Sanpete County was threatening more than 359 permanent structures and 213 mobile homes and travel trailers in four rural subdivisions, forcing about 1,000 people to flee. BLM says the human-caused fire erupted Saturday afternoon. Officials report progress on a 9-square-mile wildfire around Saratoga Springs, about 40 miles south of Salt Lake City.

? In California, a wildfire about 60 miles north of Los Angeles triggered evacuations of campgrounds around an off-road recreation area on Saturday. Officials said the fire has blackened at least 1,000 acres in the Hungry Valley State Vehicular Recreation Area, along the Interstate 5 corridor in Gorman.

? In New Mexico, a lightning-caused wildfire that destroyed 242 homes and businesses is 90 percent contained. The 69-square-mile fire near Ruidoso began June 4. Meanwhile, the largest wildfire in state history was 87 percent contained, having burned more than 464 square miles after two blazes merged on May 16.

? In Montana, two wildfires were burning in the southwest part of the state, including the fast-moving Antelope Fire, which started Saturday afternoon about 10 miles north of Whitehall and had grown to 462 acres on Sunday. About 100 firefighters were battling that blaze.

? In Arizona, the U.S. Forest Service said late Sunday that containment against the Poco Fire, just outside of Young, is up to 65 percent and remains under 12,000 acres. Officials say many of the firefighting resources are being released to their home units or to other fire assignments.?

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I need an application written that I can use the following way.

1) Be able to load an excel sheet of websites for example, 1-100, or unlimited number, for example 1,000,000 or bigger.
2) Be able to open these websites in order in a browser of my choice.
3) Be able to select how many websites I can open at once. For example 10 would take me 10 clicks to go through 100 and so on.
4) Be able to remember which value was opened last. For example 23.

Basically I want to create a spreadsheet of 100 lines of websites. I need them opened from 1-100 in order. I need to select how many to open at once.

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Gallo Images

Former Proteas spin bowler Paul Adams is expected to be named the new Cape Cobras coach early next week.

Adams, 35, as well as Barney Mohammed, Salieg Nackerdien and Andy Moles, were interviewed earlier this month for the coaching job at the local franchise, after the surprise resignation of incumbent Richard Pybus in March, two years into his three-year contract.

It is understood that Adams, who has the least experience of those interviewed in terms of having mentored teams, has got the main job.

As with any change in leadership of this kind, there are potentially other changes in terms of the range of assistants to be appointed, and an official announcement is expected once these details have been finalised.

Adams does bring his experience as an international in the modern era to the job. He has also coached the Western Cape academy (the young talent of WP and Boland) for two years, has been a spin-bowling consultant to Cricket South Africa, and was assistant coach for the Impi in the domestic T20 competition last summer. He has also featured regularly as a commentator on television.

For the Proteas, the left-arm wrist-spinner played 45 Tests (134 wickets) and 24 ODIs (29 wickets). His last international was in a Test against New Zealand in 2004. He also represented the Western Cape franchise between 1995 and 2008.

Pybus said that he was undermined in his job by a range of issues to do with chief executive Andre Odendaal and the franchise. This had made continuing in the position untenable. Pybus is now coach of Bangladesh, who yesterday beat the Proteas in a T20 match in Zimbabwe.

Another consideration surrounds who is going to captain the Cobras next season. Justin Kemp has quit the job, but is still a member of the squad.

Candidates for the position include Justin Ontong and Andrew Puttick, both of whom have led the side in the past.

The Cobras? new coach will immediately have to settle an unease which surfaced in the squad last season, around a range of issues. The situation led to a player delegation meeting with Odendaal. - Weekend Argus

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UXBRIDGE, Mass. (AP) -- A woman told police she drove her car into a sand trap on a Massachusetts golf course because her GPS sent her the wrong way.

Police say she was drunk.

Patricia Maione was held on $10,000 bail after pleading not guilty Tuesday to charges including driving with a suspended license and fourth offense drunken driving.

Authorities say the 47-year-old woman's car got stuck at the Whitinsville Golf Club in Northbridge on Monday. She told police her GPS told her to turn left, which she said led her through a corn field and onto the golf course.

The Telegram & Gazette ( http://bit.ly/KyIRYF ) reports that police say they found a cup filled with alcohol in her car.

There were golfers on the course at the time, but no one was hurt.

---

Information from: Telegram & Gazette, http://www.telegram.com

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Hand Painted and Crafted Original Art, Goat and Livestock Art, pets, horses, hand painted gifts....: hand painted, original art feather paintings....

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Bengal, Savannah and other exotic cats rescue. Art auction runs until July 14, 2012. ?I hand painted these 12" to14" feathers and placed them in ?larger frames. ?They are ready to hang up. ?Bid at this link if you like any of these framed original feather paintings, other unique items also available...
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1 Business Analysis
1.1 Company Overview
1.2 Business Description
1.3 Major Products and Services
2 Analysis of Key Performance Indicators
2.1 Five Year Snapshot: Overview of Financial and Operational Performance Indicators
2.2 Key Financial Performance Indicators
2.2.1 Revenue and Operating Profit
2.2.2 Asset, Liabilities and Capex
2.2.3 Net Debt vs. Gearing Ratio
2.2.4 Valuation
2.3 Competitive Benchmarking
2.3.1 Market Capitalization
2.3.2 Efficiency
2.3.3 Capital Expenditure
2.3.4 Valuation
2.3.5 Turnover ? Inventory and Asset
3 Mergers & Acquisitions and Partnerships
3.1 M&A and Partnerships Strategy
4 Recent Developments
5 SWOT Analysis
5.1 SWOT Analysis - Overview
5.2 Strengths
5.3 Weaknesses
5.4 Opportunities
5.5 Threats
6 History
7 Key Employees
8 Key Employee Biographies
9 Locations and Subsidiaries
9.1 Head Office
9.2 Other Locations and Subsidiaries
10 Appendix
10.1 Methodology
10.2 Ratio Definitions
10.3 Disclaimer

List of Tables
Table 1: Major Products and Services
Table 2: Key Ratios - Annual
Table 3: Key Ratios - Interim
Table 4: Key Capital Market Indicators
Table 5: History
Table 6: Key Employees
Table 7: Key Employee Biographies
Table 8: Subsidiaries

List of Figures
Figure 1: Revenue and Operating Profit
Figure 2: Financial Position
Figure 3: Net Debt vs. Gearing Ratio
Figure 4: Valuation
Figure 5: Market Capitalization
Figure 6: Efficiency
Figure 7: Capital Expenditure
Figure 8: Valuation
Figure 9: Turnover ? Inventory and Asset

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To start saving more money, get rid of the debts you have. This is the most surefire way to start saving money. Once you get all your debts taken care of, you can start putting this money in your savings account. You will also save on interest charges by doing this.

Learn to cook a few dishes from your favorite cuisine. When you have a craving for Lasagna, Pad Thai or Fajitas, you can pick up the ingredients yourself and cook the meal for a fraction of the cost of ordering it in a restaurant. Make more than you need and pack it for lunch the next day.

Set financial goals and stick with them. If you want to save a certain amount or save towards a purchase, just be sure to keep doing it. Put away a certain amount on a schedule and you?ll achieve your goal quickly. Hard work and persistence can really pay off, in this case.

If your doctor prescribes medicine for you that you will need to take for a while, ask for a sample before you leave the office. This allows you to determine if the medication is effective, and if you can tolerate it, before you pay for it yourself. If it doesn?t work, you aren?t out any money, and you can try something different.

Many banks no longer offer free checking accounts, so it may be worth your while to shop around for one that still does. You may be able to find a local bank or a credit union that offers a better deal than a big, national bank. The fees can add up over the long run, so try to find the best deal available.

If you want to get an education, look for ways to pay for it, before you enroll. You could start a 529 plan, which is basically, a savings account for education, apply for financial aid or think about taking a student loan. Take the time to consider all your options and choose the best one.

Use an automatic payment plan when you begin to repay your student loans. Most lenders offer significant discounts for those who opt to have payments deducted electronically every month. This also ensures that you do not incur additional charges or late fees, if you forget to make your payment!

Personal finances can be kept secure, if you are sure to spend as little as possible on all of your major purchases. Buying a brand new home could be tempting, but you are paying a great deal to be the first one to live in the home. Additionally, depending on the economy, a house?s value can drop quickly, whereas, older homes maintain more of their original value, even in a down economy.

Keeping your will current is an important part of any healthy financial plan. Marriage or the birth of a child is just two examples of life changing events that call for a careful reconsideration of your will. If you do not have a will, make it a top financial priority this year to make one.

Negotiate your salary with your employer. If you feel like you deserve a raise, ask for one. Find out how much your colleagues are paid and make sure you get the salary you deserve. Start looking for a better job if you feel like you could be earning more money.

You can save tons of money by carpooling. If you can, try to carpool with 2, or 3 coworkers. This is not only helpful for the environment, but it will save you and your coworkers money. You may also want to carpool with other parents, whose children participate in the same activities as yours do.

Pay attention to the interest rates on your credit cards. What may seem like a minor difference of a few percentage points can add up to hundreds or even thousands of dollars over the long run. If you have multiple credit cards, use whichever one has the lowest interest rate.

Never underestimate the power of switching to generic brands. Many brand name products are produced by the same manufacturers as the off-label groceries, but at only a fraction of the cost. In most cases, you will not be able to taste the difference and you will end up saving quite a bit of money.

In summary, there are some obvious ideas that have been tested over time, as well as some newer techniques that you may not have considered. Hopefully, as long as you follow what we suggest in this article, you can either get started with taking care of your own personal finance or improve on what you have already done.

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These days, home remodeling is definitely an extremely preferred interest that is increasing in reputation. The interest in items and methods linked to it are on the rise. The time has come first of all it. Below are great tips which can be used to obtain started out with the home improvement strategies.

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christopherecclestones · June 19, 2012

Atlanta throws out two runners at home for only second win in nine games

Adam Hunger / Reuters

Braves third baseman Chipper Jones doubles during the fourth inning of Atlanta's 4-3 victory over New York on Tuesday.

By BEN WALKER

Associated Press Sports

updated 11:21 p.m. ET June 19, 2012

NEW YORK - After more than a week of winning, the New York Yankees came up a couple of feet short.

Mark Teixeira and Curtis Granderson were thrown out at the plate and the Yankees' 10-game winning streak ended Tuesday night with a 4-3 loss to the Atlanta Braves.

"None of the breaks kind of went our way tonight," Teixeira said.

The Yankees were trying to match their longest winning string in nearly a half-century. Instead, Chipper Jones and the Braves overcame some early bobbles and won for only the second time in nine games.

Jason Heyward singled home the go-ahead run in the sixth inning off Hiroki Kuroda (6-7). Heyward also tripled and scored, and nailed Teixeira at home with a strong throw from right field.

"I think I was trying to be too perfect," Kuroda said through a translator. "I really didn't want to give up that last run."

Rookie Andrelton Simmons drove in two runs and Jones delivered an RBI double for the slumping Braves.

Down by a run, the Yankees threatened in the seventh. Curtis Granderson opened with a single off Jonny Venters, Alex Rodriguez walked and the runners moved up on a groundout. Teixeira followed with a sharp grounder to Jones and Granderson broke home, but the third baseman made an accurate throw and catcher Brian McCann applied the tag. Raul Ibanez then struck out.

"We had some opportunities, we just kind of ran out of innings, I guess," Nick Swisher said.

The Yankees' recent run was built entirely against NL teams. Only once since 1965 had the Yankees won 11 in a row, and that was in 1985. The team's record winning streak was 19 in 1947.

"They pitched really well and had some really good defense. That's kind of what we've been doing," Yankees manager Joe Girardi said.

Tim Hudson (5-3) labored through five innings and four relievers preserved the lead. Craig Kimbrel closed for his NL-leading 20th save.

"You still feel that you're going to find a way," Girardi said.

The Braves were hurt by missing mitts more than missing bats in the early innings.

In the second, center fielder Michael Bourn got twisted around trying to track down Swisher's deep drive. Bourn tapped his glove, then saw the ball glance off the tip as he ran into the padded wall on a two-run double. Swisher had missed the past two games with a bruised left quadriceps.

In the fourth, Ibanez hit a grounder that first baseman Freddie Freeman misplayed for an error. With two outs and two on, Jones let Russell Martin's low liner skip off his glove for an error that scored a run and made it 3-all. As the crowd cheered, the 40-year-old Jones looked down at the ground, took off his mitt and scuffed the dirt.

Jones grounded an RBI double in the top of the fourth, a day after the scuffling star said he needed to do more at the plate. Later in the inning, Simmons hit a bases-loaded single that scored a run, but Heyward was nailed at third base for the third out an instant before Jones slid home.

Heyward threw out Teixeira in the fifth. In the sixth, Heyward victimized Teixeira again, hitting a hard grounder that nailed the first baseman in the left foot for an RBI single with two outs that put Atlanta ahead 4-3.

"You are not going to win every game for the rest of the year," Martin noted.

NOTES: Ibanez doubled to end an 0-for-15 slide. ... Yankees starters have pitched at least six innings in 19 straight games. ... Yankees RHP Michael Pineda, out for the season with a tear in his shoulder, has been with the team for a few days. He hopes to resume throwing in September and aiming to ready for spring training next year. ... Yankees RHP David Aardsma struck out two and walked one in one inning of a Gulf Coast League game. It was the reliever's first outing since elbow-ligament replacement surgery last July. ... Rene Meulensteen, first team coach of soccer power Manchester United, watched the Yankees take batting practice. He recently gave a clinic in Kalamazoo, Mich., where Derek Jeter grew up. "Tall, runs well, good with the eyes. Might've been a good player in our sport," he said. Yankee Stadium will host a game between Chelsea and Paris Saint-Germain on July 22.

More news

Wild trade season ahead

Mailbag: The weeks leading up to the trade deadline will be interesting and unpredictable, with the Phillies among those who could be looking to deal stars.

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Many of us are eating too much, and not being active enough. That?s why nearly two thirds of the adult population in England is overweight or obese.

Find out how much you should be eating, and how to cut the calories.

How much should you eat?

How much are you eating?

How you can eat less

Get more active

The latest research shows that in England over 60% of adults are overweight or obese. That means many of us are eating more than we need, and need to eat less.

Over time, consuming more calories than we need leads to weight gain, and carrying excess weight puts us at greater risk of a whole range of serious health problems

And it?s not just food we need to cut down on: some drinks can also be high in calories.

When we eat and drink more calories than we need, our bodies store the excess as body fat. If this continues over time we become overweight, and can become obese. Being overweight or obese causes an increased risk of type 2 diabetes, heart disease, stroke and some cancers.

Most adults need to lose weight, and to do this they need to eat and drink fewer calories. Combining these changes with increased physical activity is the best way to achieve a healthier weight.

You can find out whether you are a healthy weight by using our Healthy weight calculator.

How much should you eat?

The amount that you need to eat to maintain your body weight depends on a range of factors, including your size and how physically active you are.

As a guide the average man needs around 2,500 calories a day to maintain a healthy body weight, and the average woman needs around 2,000 calories a day.

Remember, if you are very physically active because of the type of job you do, or you are a professional athlete, you may need more calories than this to maintain a healthy weight. If you do very little physical activity ? for example, you are housebound ? or if you are overweight or obese, you may need fewer calories.

An important part of a healthy diet is eating the right amount of calories, so that you balance the energy you put into your body with the energy you use.

If you need to lose weight, aim to lose about 0.5-1kg (1-2Ib) a week until you reach a healthy weight for your height. You should be able to lose this amount if you eat and drink about 500 to 600 calories fewer a day than you need.

A healthy diet is not only about eating the right amount. It also means eating a wide range of foods, to ensure you get all the nutrients you need. You can still eat less when following a balanced diet. Learn more about a balanced diet in The eatwell plate.

How much are you eating?

Most of us are eating and drinking more than we need, and we often think we are more active than we actually are, too.

It is estimated that the average person eats around 10% more calories than they need every day. This might not sound much, but over time it will cause significant weight gain.?

Foods and drinks that are high in fat or sugar contain lots of calories, and eating or drinking these often or in large amounts can make it easy to have more calories than you need.

If you are overweight or obese, you could be eating over 500 calories more than a person of a healthy weight does every day. So it?s time to think about where your extra calories are coming from, and to make changes to your diet to reduce the number of calories you consume.?

It is likely that it?s not just one snack, meal or drink that you need to change: you are likely to be having more calories than you need across the whole day.

As a guide, the average man needs around 2,500 calories a day to maintain a healthy body weight, and the average woman needs around 2,000 calories a day

How you can eat less

You can reduce the number of calories you eat by making healthier choices when it comes to food and drink.

Often, that will mean swapping high fat or high-sugar foods for alternatives that contain fewer calories, or eating these foods in smaller portions or less often.

And it?s not just foods: drinks can be high in calories, too. To consume fewer calories you should choose drinks that are lower in fat and sugar or consume high-calorie drinks less often. Don't forget alcohol is also high in calories.

As well as choosing foods and drinks lower in fat and sugars, also think about reducing the size of your portions. Research suggests that we tend to eat more when we are served more, even when we don?t need the extra calories.

When serving yourself at home resist filling your plate, and think about if you are really hungry before having an extra helping. When eating out, avoid supersizing or choosing large portions of food or drink.

Knowing the calorie content of different foods and drinks can be useful when it comes to achieving or maintaining a healthy weight. It can help us to keep track of the amount of energy we put into our bodies, and ensure that we are not eating too much.

The calorie content of many foods and drinks is provided on the packaging as part of the nutrition label. You can look at the calorie figure to assess how a particular food or drink fits into your daily intake. Find out more in Understanding calories.

These tips can help you to get started:

Swap sugary fizzy drinks for diet versions with low or no calories. Even better, swap some soft drinks for sparkling water with a slice of lemon.

Swap the frying pan for the grill when cooking meat, you don?t need to add any oil.

Swap creamy or cheesy sauces for tomato or vegetable-based sauces on your pasta, or meat and fish dishes.

Choose wholegrains, including wholemeal and wholegrain bread, or wholegrain breakfast cereals. Wholegrain foods contain more fibre and other nutrients, and we digest wholegrain foods more slowly so they can help make us feel fuller for longer.

Swap a cake or biscuits for a currant bun, or some malt loaf, plain or with reduced-fat spread.

Read food labels: they can help you choose foods that are lower in calories, as well as lower in saturated fat and sugars.

Alcohol is also high in calories, so cutting down could help you control your weight.

Get more active

If you are overweight or obese, you should combine eating fewer calories with more physical activity in order to gradually lose weight and help you to keep the weight off.

Adults should do at least 150 minutes of moderate-intensity aerobic activity a week. Moderate-intensity activity means an activity that causes your heart rate to rise, and you to break a sweat: for example, fast walking or cycling.

You can split the 150 minutes into 30 minutes on five days of the week, and split that 30 minutes into sessions of at least 10 minutes. Physical activity can help you to achieve a healthy weight, and brings a range of other important health benefits.

After getting active, remember not to reward yourself with a treat that is high in calories. If you feel hungry from your activity try to choose foods or drinks that are lower in calories but still filling.?

Learn more in 150 minutes your way.

Learn more

If you currently eat too much, then making changes towards a healthy, balanced diet will also help you to reduce the number of calories you eat and drink, as well as helping to make sure that you get all the nutrients you need.

You can learn about the foods we need to eat for a balanced diet in The eatwell plate.

Read about the steps you can take towards a healthy diet in Eight tips for healthy eating.

Get tips on cutting down on saturated fat in Eat less saturated fat.

Get tips on cutting down on sugar in Sugars.

Get tips on weight loss in Start losing weight.

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Friday 29 June 2012

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