Uzbek first daughter looks for love, gets none (AP)

MOSCOW ? Glamour queen. International diplomat. Plunderer of the poor.

Gulnara Karimova has been called all of these things. But all the eldest daughter of Uzbekistan's aging authoritarian leader appears to want is for people to like her.

By the looks of things, that isn't quite working out.

Over the weekend, the producers of New York's Fashion Week canceled a show by Karimova amid pressure from a human rights group and a planned protest over the use of child labor in her country. In a face-saving gesture, her backers revived the event Thursday at ultra-chic Cipriani on 42nd Street.

Turning up at fashion shows and dropping by at the Cannes Film Festival is part of a carefully nurtured public relations exercise by Karimova, who despite her frivolous image is seen as a possible successor to her father.

On the international scene, she has carved out an image as a fashionable jet-setter. In her home country, Karimova is feted by official media as an accomplished diplomat, academic and philanthropist devoted to the cause of disadvantaged women and children.

To her many detractors, 39-year old Karimova is a "robber baron" who has ruthlessly used her power to pillage businesses in Uzbekistan and who luxuriates in self-imposed European exile, while many in her country endure crushing poverty.

Uzbekistan, a mainly Muslim nation of almost 28 million people, is strategically placed along a key transportation route supplying U.S.-led coalition troops engaged in combating insurgents in neighboring Afghanistan.

It is rich in natural gas and gold, as well as being one of the world largest cotton producers, making it potentially attractive to investors.

Although officially touted as an international stateswoman, Karimova rarely appears to bother herself with such matters.

Her official website conveys the image of a carefree fashionista obsessed with gaudy jewelry flitting between charity events in Uzbekistan and gala evenings in Europe. Karimova appears to take inordinate pride in having been photographed with notables including former U.S. President Bill Clinton, singer Elton John, and action film star Steven Seagal.

Another website, Googoosha.uz, documents Karimova's short-lived pop career (she sang under name GooGoosha ? reputedly her father's favorite nickname for her). One particularly eye-popping music video depicts a flying sports car wending its way to a palace in verdant mountains, greeted by Karimova bedecked in a flowing white dress.

On top of all that, Karimova heads her country's diplomatic mission at the United Nations' office in Geneva, where she lives with her son and daughter.

What the Harvard regional studies masters course graduate's websites don't mention are her widely alleged links to obscure Swiss-registered Zeromax GmbH, a failed holding company widely believed to have been under her control.

In a letter to Swiss magazine Le Temps earlier this year, Karimova denied ever having had any ties to Zeromax.

Whatever the truth, the slow-motion collapse of Zeromax amid a mountain of debt has set some talking about Karimova's future.

The winding-down of Zeromax is seen by some as a way of definitively erasing Karimova's image as the oligarch and thereby making her more palatable to the general public.

What might come next for Karimova was the subject of a passing remark in a cable from the U.S. embassy in Uzbekistan written in February last year and obtained by the whistleblowing website WikiLeaks.

"Karimova has always been very visible on Uzbekistan's political and cultural stage, and some local observers believe that she is the being groomed as the president's successor," the cable said.

Islam Karimov, 73, has for two decades ruled over his country with an iron fist, mercilessly stamping out all opposition and any signs of Islamic radicalism. Rumors have long abounded of Karimov's ill-health, and government websites heavily edit his photographs to airbrush away signs of aging.

With almost all major international media outlets, including The Associated Press, barred from the country, Uzbekistan-watchers must grasp at what little reliable information is available to help understand what will come after Karimov departs the scene.

If Karimova's carefully nurtured domestic image as a kindhearted philanthropist is aimed at ensuring a soft-landing for her after her father is no longer running the country, it is far from certain that anybody is buying the line. Another leaked U.S. cable from 2005 spelled out allegations normally reserved for whispered conversations.

"The discussion of the honest, hardworking (Gulnara), looking out for the best interests of her country, likely irks the many business people who have been crushed by Karimova and her greed as well as the general public, who view her as something of a robber baron," one dispatch reads.

But recent tweaks to Uzbekistan's Constitution have served only to fuel the speculation about her potential succession to the presidency. Karimov has one estranged son from an earlier marriage and another daughter, who is not taken seriously as a successor.

According to reforms approved by lawmakers in March, the Senate speaker would take over the reins in the event of President Karimov being incapacitated and unable to properly perform his duties, prompting talk that Karimova is being primed for that role.

"These rumors have been circulating and I think there are people lobbying on her behalf, but it is unclear what Islam Abduganiyevich (Karimov) himself thinks about all that," said Alexei Malashenko of the Carnegie Moscow Center.

Source: http://us.rd.yahoo.com/dailynews/rss/celebrity/*http%3A//news.yahoo.com/s/ap/20110915/ap_en_ce/as_uzbekistan_first_daughter

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Real Estate Law Helps Determine Who is Responsible in a Slip and ...

Arvada Accountant

Slip ?n? fall accidents m??ht appear ??k? harmless ?n? r?n-?f-th?-mill accidents th?t warrant n? special attention b?t th??? common accidents ?r? customarily avertable ?n? account f?r over 15,000 fatalities annually ?n United States. Far more slip ?n? fall accidents still lead directly t? heavy wounds; ?n th? event ?f a slip ?n? fall accident th?t causes a death ?r a severe physical injury th? victim ?r th? victim?s family m??ht b? entitled t? compensation fr?m ?n? one answerable f?r th? hazardous condition th?t caused th? fall directly ?r indirectly.

A?m??t 75% ?f ??? slip ?n? fall accidents occur b?????? ?f unsafe conditions th?t ?r? th? legal responsibility ?f another individual ?r entity. Th??? ??n??r??? situations m??ht b? ?? simple ?? ?n untended-t? spill ?f food ?r liquid ?r ?? basic ?n? implicit ?? poor engineering design ?r property upkeep. Property owners, business owners ?n? those concerned ?n ??? levels ?f building design ?n? construction h??? legally defined standards ?n? obligations t? offer a reasonably safe conditions ?n? t? post warnings ?f perils wh?r? need b?. Th? inability t? live up t? th??? obligations ?? grounds f?r responsibility ?n a slip ?n? fall case under premises culpability law. A slip ?n? fall lawyer ?? a professional ?n premises liability law ?n? ?? th? best professional t? work w?th ?n? person filing a slip ?n? fall accident claim.

Premises liability ?n? slip ?n? fall accidents fall under th? umbrella ?f civil laws ?? torts. A tort ?? simply defined ?? a wr?n? concerning a breach ?f civic duty th?t w?? owed t? another individual wh? w?? harmed ?? a consequence. If th? legal verbiage surrounding such a seemingly easy case appears intimidating, th?n b? assured th?t ??? slip ?n? fall accident attorneys ?r? well versed ?n both th? language ?n? th? definitions ?n? ??n easily ??????n anything perplexing t? th??r client ?t ?n? time.

M??t slip ?n? fall accidents happen ?n homes, ?n local streets ?n? ?n smaller enterprises, wh?r? local property owners ?r? liable b?????? ?f th??r (deliberately ?r unknowingly committed) negligence. Laxity ??n b? proven ?f ?t ??n b? clearly demonstrated th?t th? property owner owed a civic ?duty ?f care? t? th? injured person b?t ??? n?t uphold th?t duty ?n? ?? th? failure caused th? slip ?n? fall accident. If a slip ?n? fall victim w?? negligent ?t th? time ?f th? event th?t w??? reduce th? property owner?s culpability given th? circumstances.

A victim ?f such ?n accident considering filing a slip ?n? fall court action ?h???? carefully consider th??r ?wn culpability before moving forward w?th a claim. Contact a slip ?n? fall lawyer t? check th? situation ?f ???'ve b??n wounded ?n a fall t? h??? calculate ???r fault ?n? estimate th? potential neglectfulness ?f th? property owner. A slip-?n?-fall lawyer ?h???? b? well placed t? t??? ??? quickly whether ?r n?t ???r case stands a chance ?n th? courtroom.

T? h??? ???r lawyer build a powerful case, seek medical ?????t?n?? ?n? a professional diagnosis f?r ???r injuries straight ?ft?r th? decline. At th? scene take several photographs t? identify obviously th? ??n??r??? conditions th?t led straight t? th? fall ?n? report th? incident t? th? management ?f th? property f?r additional paperwork.

If ???'re unsure wh? m?? b? held responsible ?t's very ?m??rt?nt t? recollect th?t n?t ?n?? property owners ?n? chiefs ??n b? held responsible b?t ?n ??m? cases service suppliers, parent corporations ?n? even government entities m??ht b? t? blame; providing ??? a source fr?m wh??h t? claim ??m???? f?r th? costs ?f medical bills, lost salary, earning reductions ?n? discomfort ?n? suffering.

Conner Gromin knows th? value ?f a LA accident attorney ?f ??? h??? b??n h?rt ?n someone's property. It?s n? different th?n hiring LA car accident attorneys ?f ??? w?r? ?n a car accident.

Should you be spending your valuable time doing taxes and accounting? ?

If the answer is no, please call us: (303) 940-1316

For More Information Try Arvada Accountant

Related posts:

  1. How To Apply For Business Credit With No Personal Guarantee
  2. Learning About Property Valuation And Real Estate Appraisal
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  4. Discover More About Lancaster Truck Accident Lawyer
  5. Learn As Well As Understand San Bernardino Auto Accident Lawyer

Source: http://www.bestdenvertaxaccountant.com/real-estate-law-helps-determine-who-is-responsible-in-a-slip-and-fall-accident-on-someones-property/

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Best Buy misses estimates; shares fall (Reuters)

(Reuters) ? Best Buy Co Inc's reported lower-than-expected quarterly results as shoppers held off on buying televisions and other nonessential items in the anemic U.S. economy, and its shares fell nearly 8 percent.

The world's largest consumer electronics chain's lackluster results on Tuesday highlighted the fragility of recovery in the world's largest economy. (For a graphic on Best Buy's earnings, click http://r.reuters.com/nuf73s )

Best Buy is also a victim of a lackluster product cycle and cut-throat competition from chains such as Wal-Mart Stores Inc and Internet retailers like Amazon.com Inc.

Amazon's prices on televisions remain 12 percent to 14 percent below Best Buy's, Deutsche Bank analyst Mike Baker said recently.

"People are savvy and will comparison shop online," Wedbush analyst Michael Pachter said. "There's nothing Best Buy can do except lower its cost structure by getting out of big-format real estate and open some smaller stores."

Best Buy has now decided to offer products online from other sellers through its new third-party Marketplace as it tries to better compete with Amazon and online auctioneer eBay Inc.

The retailer, seen as a bellwether in consumer electronics, said its second-quarter sales were essentially flat at $11.3 billion. Analysts expected about $11.5 billion.

Sales at stores open at least for 14 months fell 2.8 percent in their fifth straight quarterly decline.

The results echoed those from smaller rival hhgregg Inc as well as office supply chains Office Depot Inc and OfficeMax Inc, which reported weak sales of technology products in the key back-to-school season.

Still, Best Buy said it still expected full-year revenue of $51.0 billion to $52.5 billion.

Second-quarter net profit fell to $177 million, or 47 cents a share, from $254 million, or 60 cents a share, a year earlier. Analysts on average were expecting 53 cents a share, according to Thomson Reuters I/B/E/S.

Shares of Best Buy were down 7.7 percent at $23.04 in morning trading.

(Reporting by Dhanya Skariachan and Liana Baker, editing by Gerald E. McCormick, Dave Zimmerman, Lisa Von Ahn)

Source: http://us.rd.yahoo.com/dailynews/rss/economy/*http%3A//news.yahoo.com/s/nm/20110913/bs_nm/us_bestbuy

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Student Loan Debt Relief Options - Finance and investment advise

Student loans just like your car or mortgage loans charge to payed timely. The added you delay, the difficult it gets for you to absolutely accord them. If you are adverse agitation in repaying your apprentice loans, you can yield advice of several apprentice accommodation debt abatement options.

Student Debt Abatement Programs

Educational loans, if not paid on time are answerable with backward fees. In case you are clumsy to accord your loans on time, as mentioned in the acknowledged abstracts while you took the loan, you may end up in default, which is absolutely a austere banking setback. Student Loan Debt If you are in default, your acclaim appraisement will be baby and acknowledged activity can be taken adjoin you by federal government, your accommodation account provider, your educational academy and even by your accommodation guarantor.

Repayment Plan Changes

After you accept accelerating from your academy and it is clearly the time to alpha repaying your loans, you can accept a debt claim plan based on your banking situation. Beneath several apprentice accommodation claim plans, you?ll get a time anatomy of 10 to 25 years to accord your loans. All claim affairs will depend on the blazon of federal accommodation affairs you accept autonomous for.

Deferment

If you are able to accommodated several requirements accustomed beneath the accommodation affairs you?ve taken, you may be accepted a adjournment that will acquiesce you to briefly arrest the action of accommodation payment. There are several rules and laws and apropos that and it accurately depends on your blazon of federal loan.

Forbearance

If you are clumsy to authorize for a deferment, you should try for forbearance. In this procedure, you will be accustomed to pay your loans, in locations or the time for your accommodation claim may be extended.

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Source: http://www.byrmyy.com/student-loan-debt-relief-options/

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?e-Dealer Solutions and Jennifer Suzuki ... - Dealer Communications

Miami, Florida ??e-Dealer Solutions now offers a reusable sales training package for automotive dealerships and salespeople. The training videos will train new-hires and those in need of a fresh and modern approach to increasing dealership appointment show ratios.

This new product launch enables the dealership selling 50 cars a month and those selling 500 cars a month or more to access an immediate training program for salespeople.? While Jennifer Suzuki still delivers on-site training programs at dealerships, many more can now take advantage of a replication of her in-person visits.

Managers and salespeople will learn how to achieve a relationship with a prospect, gain commitment and set the appointment during phone conversations and email correspondences.? Users will learn how to engage customers through phone calls while building value in themselves, increasing commitment and qualifying along the way.? The primary focus is converting the email leads into phone calls and setting dealership appointments.

When asked about the results gained from the training videos, Jennifer Suzuki said, ?Dealership salespeople that have implemented these processes have seen an increase of 30% in showed appointments!?

Dealerships can take advantage of the ?monthly maintenance? package that offers weekly webinars for salespeople and managers which keeps the training content alive.? Users can take online tests as well as utilize weekly coaching reports that review each salesperson?s CRM and call tracking with recommendations for improved outcomes.

Today?s dealerships are seeing a decrease in walk-in traffic and an increase of inbound phone calls and Internet prospects.? This package will help the 21st century dealer stand apart from his competition and maximize the ROI.

About e-Dealer Solutions: Founded by Jennifer Suzuki and operating in it?s tenth year of business, e-DS focuses on implementing proprietary based training solutions for automotive retailers. e-DS is comprised of training solutions for Internet Sales, Phone Sales, BDC Sales as well as coaching on Internet Marketing Strategies.

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Source: http://dealer-communications.com/product-news/%E2%80%9Ce-dealer-solutions-and-jennifer-suzuki-announce-new-training-video-product-launch-at-digital-dealer-conference-%E2%80%9Cconverting-the-internet-shopper-to-a-dealership-buyer-%E2%80%9D/

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Vlingo: Nuance CEO Ricci tried $5M bribes | Legal Roundup ...

September 12, 2011 by MassDevice staff

Nuance Communications chairman and CEO Paul Ricci allegedly tried to bribe three key executives at competitor Vlingo $5 million apiece as part of a scheme to force Vlingo into an under-market acquisition, according to a lawsuit; also, a Wall Street analyst?s take on the Medtronic/NuVasive patent spat; and CareFusion slaps Hospira with a patent suit over infusion pump technology and software.

Nuance Communications (NSDQ:NUAN) CEO Paul Ricci allegedly tried to lay $5 million bribes before a trio of executives at competitor Vlingo Inc. in an effort to force through a below-market-price buyout, according to a lawsuit filed by Vlingo against its Massachusetts peer.

The lawsuit, filed in the U.S. District Court for Massachusetts, accuses Nuance and Ricci of unfair competition, interfering in its dealing with other firms and of commercial bribery in the pursuit of its fellow speech recognition software maker.

After Vlingo spurned a series of acquisition overtures, beginning in 2006, Ricci and Nuance chief marketing officer Steve Chambers allegedly called Vlingo?s co-founders, CEO David Grannan and CTO Mike Phillips, in September 2009 and put some serious skin in the game, according to the complaint.

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?Mr. Ricci, the CEO and Chairman of the Board of Nuance, a public company, offered to pay Messrs. Grannan, Phillips and Nguyen $5 million dollars each if they could convince the Vlingo board of directors to approve the acquisition of Vlingo on the terms previously proposed by Nuance,? according to court documents. ?Alternatively, Mr. Ricci offered Messrs. Phillips, Grannan and Nguyen $5 million each plus the monies they would have received had the acquisition went through, if they would quit Vlingo and work for Nuance. Mr. Ricci made this offer knowing full well that Messrs. Grannan, Phillips and Nguyen were key persons whose departure from Vlingo would cripple the company and, thus put Vlingo out of business.?

The bribery attempts allegedly followed a visit by Rich Palmer, then head of Nuance?s corporate development unit, and Vlingo CTO Phillips. Palmer ?informed Mr. Phillips that Mr. Ricci can be vindictive if he does not get his way and that Vlingo would not be happy if Mr. Palmer and Mr. Phillips could not work out a technology partnership and the matter was placed in the hands of people with big egos, such as Mr. Ricci,? according to the documents.

?Finally, Mr. Palmer threatened Mr. Phillips with bearing the exorbitant cost of intellectual property litigation and told Mr. Phillips to inform his Board that they can either take the technology partnership deal offered by Nuance or pay $20 million in legal fees vindicating themselves in intellectual property litigation,? according to the lawsuit.

The lawsuit also accuses Nuance and Ricci of filing a patent infringement in a Texas federal court, rather than in the Bay State, even though both companies are based in the Commonwealth ?with the intent to increase the expense of litigation to Vlingo, so as to leverage a potential acquisition of Vlingo.? And it slaps Nuance with the accusation that it poached a Nokia executive, Bruce Bowden, to be its senior vice president of corporate development after Bowden became privy to confidential information about Vlingo while it and Nokia were negotiating a potential deal.

The suit seeks a jury trial, an injunction barring further unfair competition by Nuance or its officers, damages and legal fees.

Read more medical device legal news from MassDevice.com

Analyst: Medtronic/NuVasive patent spat too complex to call

A patent spat between Medtronic Inc. (NYSE:MDT) and NuVasive Inc. (NSDQ:NUVA) is so complex that it?s impossible to handicap at this point, according to a patent law expert consulted by investment bank Leerink Swann.

Opening arguments in the jury trial of the 2008 lawsuit, which involves spinal implant technology, began two weeks ago. Medtronic accuses NuVasive of infringing a trio of patents covering MDT?s lateral lumbar interbody fusion procedure and a cervical plating system; NuVasive counters that the Twin Cities Colossus trespasses on a patent covering its Neurovision platform.

The case has so many unknowns that ?we?re not
sure it?s possible to handicap thoughtfully the outcome of the trial,? wrote Leerink analyst Rick Wise.

?However, in our view, a final resolution is not likely any time soon, and we don?t expect a material near-term P&L impact on NUVA,? Wise added. ?The patent attorney specialist seemed to think neither MDT nor NUVA had a clear edge heading into Phase I of the trial, at least not based on publicly available documents. In the specialist?s view, the final decision will likely hinge on which expert witnesses provide the most compelling testimony for the jury.?

Here are three ways it break down, according to Wise:

  1. NuVasive?s best-case scenario: ?NUVA would not have to pay any damages/royalties and may even be entitled to collect damages/royalties from MDT ? that is if the court were to find that MDT?s neuromonitoring solution infringes on NUVA?s neuromonitoring patent.?
  2. NuVasive?s middle ground: ?A less favorable scenario for NUVA could involve payments to MDT for past damages and/or ongoing royalties.?
  3. The ?in-between?: ?Ultimately the specialist was inclined to think both a worst case and best case scenario are unlikely and that NUVA will likely end up winning on some claims and losing on others.?

At any rate, it?s likely to be a while, the analyst noted, citing his source?s expectation that both companies will be quick to appeal any unfavorable decisions and that ?a final resolution to the dispute will likely take a long time to play out.?

CareFusion sues Hospira over infusion pump patents

CareFusion Corp. (NYSE:CFN) slapped rival Hospira Inc. (NYSE:HSP) with a patent infringement lawsuit, alleging that some of HSP?s drug infusion pumps infringe a pair of CFN patents when used with software made by co-defendant MedNet Inc.

The suit, filed in the U.S. District Court for Delaware, claims that Hospira?s Symbiq, Plum A+, Plum A+3 and LifeCare PCA infusion systems violate its patents, for ?System and Method for Controlling the Delivery of Medication to a Patient? and ?Medication Management System? ? but only when used with the Hospira MedNet software package.

The lawsuit seeks a jury trial, judgments of infringement and willful infringement, an injunction barring further infringement, damages, costs and legal fees.

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Rubdown Gel For Massage Therapist | HK Rehabilitation

Massage oil is a very good addition in any massage experience. It enhances not just the relaxing nature of your massage therapy session, but as well is beneficial to the healing advantage of the massage.

The usage of massage oil will not be a brand new idea. Homer, Plato, Socrates ? the vast majority of men referenced the application of massage oil for an aid for pain relief in his or her writings. Today, pain alleviation is definitely intent behind using massage oil. Others add facilitation of more gliding massage, skin nourishment, and also the promotion of health and fitness as a whole.

How will you select a massage oil for massage therapist? First, choose an oil that?s cold-pressed or expeller-pressed. Either have taken the least number of processing and belief last longest. Prevent them from spoiling by enabling you to keep them inside of a cool place and adding 300 IUs of vitamin E per pint of oil monthly. In addition, essential oils, or oils which can be distilled from various plants, roots, or seeds) may well be added. Seek the aid of a professional to advise on a good combination.

Some oils to select from for massage therapy in chicagoe:

* Sweet almond oil ? Anti-inflammatory, light, and good for many skin types, especially dry skin.

* Apricot kernel oil ? Reduces stress, provides balance, and good for all skin types, especially prematurely aging skin.

* Avocado oil ? This can be a heavy oil best diluted for a rate of 10% in a lighter oil.

* Borage oil ? Perfect for eczema and psoriasis, it penetrates, regenerates, and stimulates.

* Castor oil treatment ? A thick sticky oil good for drawing out toxins as well as for use on scar tissue formation. Best used in a poultice.

* Coconut oil ? A thick, heavy oil that may be be warmed before use. Perfect for cracked skin.

* Emu oil ? Anti-inflammatory and applied to arthritis, sore muscles, bruising, and eczema. May block pores.

* Grapeseed oil ? Non-allergenic and good for all types of skin.

* Jojoba oil ? A penetrating, anti-bacterial oil for eczema and acne.

* Kukui nut oil ? Anti-bacterial, anti-oxidant, anti-inflammatory that is light but has a slight warming effect.

* Olive oil ? Consists of a warming effect and relieves stiffness.

Different skin types will fare better with various kinds of oil. In this case, it is good that you experiment with different kinds for massage therapist. If one doesn?t work, try another. Also, some may personally prefer the smell and the outcome of one massage oil to another one. The selection of massage oils is pretty wide; so there is bound to be a preferred one for just about anybody.

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Source: http://www.hkrehab.org/massage-therapy/rubdown-gel-for-massage-therapist/

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Appropriations Bill Threatens Future Space Science Missions

I think you're really over-thinking this. I don't think politicians are that sophisticated and I don't think climate change factors into thinking as much as you seem to think it does. If Republicans were so hung up on climate change why wouldn't they just cut funding to those specific agencies responsible for climate research. But it's irrelevant anyway given that climate research is done by far more people than simply NASA.

This is how NASA gets screwed:
Republicans demand spending is cut. They don't care how or what as long as it looks like they've cut something. Democrats refuse to cut government staff or social programs, anything that might secure votes, so they go after unpopular programs. The thing is that Democrats, like Republicans only care about the jobs of people who will keep them in power.

NASA happens to be one of those unpopular programs. You have the conservatives who think the money should go to defense to protect us from terrorists.. And liberals think all that money should be spend here on Earth. But sides balk at the big price takes, ignorant of all the work required to conduct a successful space program. They are also oblivious to the huge long-term benefits of a space program, that you can't just will new technology into existence.

The pathetic irony is that after all this we then have everyone lamenting about the loss of American technological superiority. Unfortunately, the problem starts at the bottom, with the American public's fixation on sports and celebrity culture. We've brought this on ourselves and we perpetuate it by resorting to checklist politics. God-forbid a liberal have some conservatives ideas, or a conservative some liberal ideas.

Source: http://rss.slashdot.org/~r/Slashdot/slashdotScience/~3/D_V8R_rDDyo/Appropriations-Bill-Threatens-Future-Space-Science-Missions

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[OOC] Raising Atlantis

RolePlayGateway is proudly powered by obscene amounts of caffeine, duct tape, Wordpress, Moodle, phpBB, AJAX Chat, Mantis, and the efforts of many dedicated writers and roleplayers. It operates under a "don't like it, suggest an improvement" platform, and we gladly take suggestions for improvements or changes.

The custom-built "roleplay" system was designed and implemented by Eric Martindale as of July 2009. All attempts to replicate or otherwise emulate this system and its method of organizing roleplay are strictly prohibited without his express written and contractual permission; violators will be prosecuted to the fullest extent of the law.

? RolePlayGateway, LLC

Source: http://feedproxy.google.com/~r/RolePlayGateway/~3/O-BdtLvUuNg/viewtopic.php

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10 commandments of personal finance | Finance Assistant

September 12th, 2011

We all work and earn money. Do we manage our hard earned money effectively and efficiently? New Year is the time to take resolutions. Why dont you take a resolution to prioritize and organize your personal finance? Here are the 10 commandments of personal finance that can help you in managing your personal finance better.

Most of us hesitate to make a budget because we think it is about cutting all the fun in life. Budgeting is not about cutting all the fun; it is about conscious allocation of funds. Once we start spending consciously, our mind will find out a whole new way of having fun within the budget. You need to create a workable budget that gives you extra money and life.

Spending less and saving more are lifelong living skills that need time to develop. Unless and otherwise, you have a clear written budget, you will lose your focus and go after consumerism and materialism.

To save more, obviously you need to spend smarter. To spend smarter, you need to understand your own spending patterns. Consciously you need to track all your expenses on a daily or weekly basis. So that you can find out what influences your spending pattern and you can stay away from those influencers.

As a bread winner, you provide a lifestyle to your mily. This life style need to be protected with sufficient life insurance cover. Otherwise your mily may not be able to continue the same lifestyle in case of any mishappening to you. A word of caution here, don&8217;t ll prey to ULIP schemes. Opt instead for a pure term insurance policy. These policies give you high coverage with low premium.

Also cover yourself and your mily members with adequate health insurance coverage. The coverage amount of the health insurance policy needs to be decided based on your health consciousness, your mily health history, and the class of hospital you choose for treatments.

Before starting to build fresh wealth, it is our duty to protect our existing assets. Assets like house, flat, or car can be insured against accident and natural perils. The event of earthquake or terrorist attack to our flat/house seems to be remote. But the impact of such things could change our financial stability upside down. So protect your house and other major assets with proper insurance.

You need to accrue savings for some surprise situations like loss of job, break in job or sudden expenses like a major repair to your car or house. Generally, the emergency fund needs to be in the range of three to six months&8217; mily expenses. If you have created this contingency fund, in the event of an emergency you need not pre-close your other investments and thus you avoid paying penalty or booking losses.

If you are in debt, you need to create a debt payoff plan with different scenarios. So that you can find out how some more savings or a different repayment order will help you get out of debt ster. When creating a plan, you need to choose one which fits your attitude.

If you dont know where you are going, you may end up somewhere you dont want to be. Decide your financial goals first. It may be buying ahome, buying a car, or childrens higher education.

To get where you want to go in life, it is important to decide in advance how you will get there. What you need is a roadmap, a financial plan to achieve your financial goals.

So create a financial plan for you and your mily.

In spite of the world wide pension crisis and a growing acceptance that we must plan and save for our retirement, the harsh reality is we are actually not saving enough. Research reports reveal that only 15% of the individuals are saving sufficiently for their retired life. Don&8217;t put off today what you can&8217;t afford to do tomorrow. Do your retirement plan TODAY to have a comfortable and enjoyable retired life.

You need to check up your financial plan and investments semi-annually so that when there is any deviation from our original plan, you can take corrective measures to control the deviation.

There is a lot of help available for you online to create a financial plan in various websites with financial calculators. But if you want to create a complete, comprehensive, customized and workable financial plan, you may seek assistance from professional financial planners.

You really need a professional assistance when you want to review your financial plan and investments, when you want to add a new goal, or when you want to pre pone or postpone one of your goals.

If you follow these but authentic 10 commandments, by next year you will be richer than what you are this year. Celebrate the New Year with much more confidence and peace of mind by following these steps for financial success.

(The author is a Certified Financial Planpersonal financener, Founder and Director ofHolistic Investment Planners ( a firm that offers Financial Planning and Wealth Management. )

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Malvika Sampat is a freelance writer who writes on a broad range of subjects for blogs, websites and ezines.She ensures that her clients are benefited by her copy and marketing writing skills.You can reach her at:[emailprotected]

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