Thrift Savings Plan Investing for Beginners | Fresh Articles Daily

The Thrift Savings Plan is a wonderful defined contribution retirement plan for US government employees. But a lot of its members are unsure on how to participate in it and make their investment allocations. While each investor?s situation is unique , and we cannot offer individualized investment advice, what follows are general guidelines which may be useful in reaching your TSP retirement goals.

Determine how much money you need to get you through your retirement years. A good guideline is approximately eighty and 90 percent of your typical yearly expenses. Next, depending on the investing strategy that you choose, figure out a likely average expected return on your investments. Finally, convert this into your required monthly savings amount. Many investment sites on the Internet provide retirement calculators to guide you through these steps.

Determine how much risk you can take. It is extremely important that you pick a portfolio allocation and strategy which is compatible with your ability to tolerate investment volatility and occasional declines in your TSP account value. It is normal to experience some losses during periods of economic decline and bear markets. Failure to match your investment allocation to your risk profile often leads to behavioral investing no-no?s which are all too common, such as selling your risky investments like stocks at the bottom of bear market lows, and buying back in only after prices have risen and recovered substantially.

Decide on an investment approach. Choose whether you would like to be a passive investor or actively manage your investment portfolio. If you choose the former, decide on an appropriate allocation to the available TSP funds (always keeping in mind your own risk profile). If you decide to manage your investments actively, it?s up to you to choose a strategy that is likely to have good performance. As you review the options, look for a long-term performance record and clearly defined strategy rules that you understand. If you?re not sure, then you may be better off sticking to a passive asset allocation or investing your savings in one of the TSP Lifecycle Funds.

Always strive to consistently contribute to your TSP every month. While you?re early in your career and have not yet reached your full earnings potential, it may be challenging to meet your minimum monthly contributions. But take them seriously and cut your living expenses as necessary to meet your savings plan, since this is the best time to accumulate investments, while you?re still a long time away from retiring.

Let your retirement savings grow for as long as possible, to take full advantage of the power of compounding interest. This comes down to two things: start saving as early as you can, and try to avoid making any premature withdrawals before your planned retirement date, because you will owe the IRS a tax penalty on these.

Investors who stick to these principles are on the right track to meeting their Thrift Savings Plan retirement goals.

Learn about the benefits and disadvantages of investing in the Thrift Savings Plan and TSP funds.. Free reprint available from: Thrift Savings Plan Investing for Beginners.

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Tags: Business, business and finance, Investment, Retirement, retirement savings, saving for retirement, Thrift Savings Plan, tsp funds, tsp strategy

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Getting Auto Loans Can Be Really Beneficial

One thing you will find almost immediately is that getting Auto Loans can be such a beneficial thing for you and your entire family. This is because these particular types of loans allow you to purchase a new vehicle when you really need it the most. Generally people buy new cars or trucks when they are previous ones are worn out and not working properly. When you have a family counting on you for safe transportation you really need to make sure that you have a dependable vehicle at all times. Auto loans can help make sure that that happens in the easiest possible way.

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US consumer spending up 0.8 pct., but income lags

FILE - In this Feb. 28, 2012 file photo, Laurie Hanson looks over clothing at the Adorn clothing store in Montpelier, Vt. U.S. consumers boosted their spending in February by the most in seven months. But Americans' income barely grew, and the saving rate fell to its lowest point in more than two years, according to the Commerce Department, Friday, March 30, 2012. (AP Photo/Toby Talbot, File)

FILE - In this Feb. 28, 2012 file photo, Laurie Hanson looks over clothing at the Adorn clothing store in Montpelier, Vt. U.S. consumers boosted their spending in February by the most in seven months. But Americans' income barely grew, and the saving rate fell to its lowest point in more than two years, according to the Commerce Department, Friday, March 30, 2012. (AP Photo/Toby Talbot, File)

WASHINGTON (AP) ? U.S. consumers boosted their spending in February by the most in seven months. But Americans' income barely grew, and the saving rate fell to its lowest point in more than two years.

The Commerce Department said Friday that consumer spending rose 0.8 percent last month. Income grew 0.2 percent, matching January's weak increase. And when taking inflation into account, income after taxes fell for a second straight month.

Still, consumers are spending more after the best three-month hiring stretch in two years. Paul Dales, an economist at Capital Economics, suggested that estimated annual growth for the economy in the current January-March quarter may be revised up ? to around 2.5 percent, compared with earlier estimates of about 2 percent.

Dales cautioned, though, that at some point, consumers won't be able to draw further on their savings. Further job gains are needed to boost consumers' income.

Some of the higher spending last month reflected surging gas prices. But consumers spent more on other goods and services, too. After excluding inflation, which was due mainly to gas prices, spending rose a solid 0.5 percent.

The saving rate dropped to 3.7 percent of after-tax income in February. That was the lowest level since August 2009. The saving rate had been 4.3 percent in January. It had averaged 4.7 percent for all of last year.

The economy has added an average of 245,000 jobs a month from December through February. That's lowered the unemployment rate to 8.3 percent, the lowest in three years. Most economists expect a similar number of net jobs added in March.

So far, more robust hiring has yet to lift growth. The economy grew at an annual rate of 3 percent in the October-December quarter and most analysts expect that pace slowed in the January-March quarter.

Consumer spending drives 70 percent of economic activity.

Economists expect growth to rebound later this year as further hiring lifts the economy. The spending increase in February follows other data showing that may already be under way.

Americans stepped up spending on retail goods in February, the government said earlier in the month. Consumers bought more autos, clothes and appliances. They also paid higher prices for gas.

On Friday, the national average price for a gallon of gas was $3.92, according to AAA. In 11 states, the price is more than $4 per gallon.

Higher gas prices could eventually slow growth by causing some people to cut spending on other goods, from appliances and furniture to electronics and vacations. Gasoline purchases provide less benefit for the U.S. economy because about half of the revenue flows to oil-exporting nations, though U.S. oil companies and gasoline retailers also benefit.

Despite paying more to fill their tanks, consumers remain optimistic about the economy. The Conference Board, a New York-based private research group, said its gauge of consumer confidence held nearly steady in March after reaching its highest level in a year in February.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/f70471f764144b2fab526d39972d37b3/Article_2012-03-30-Consumer%20Spending/id-cd6383c80c3d4740ad643a03c2159651

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Ergonomic assessment-A Vital Need of Employees

?Our greatest happiness does not depend on the condition of life in which chance has placed us, but is always the result of a good conscience, good health, occupation, and freedom in all just pursuits.? these words are used by a famous person ?Mr. Thomas Jefferson. Health is very important for everyone because a healthy person is more happy in front of unhealthy person. ?There are lots of people in world who are suffering from many diseases and disorders. Now a days these disorders are very common in our surrounding environment. Some people are suffering from pain in their body and some are vexing due to over burden of work load. To clean out such kind of problems from our life rehab solutions offer occupational therapy. Occupational therapist is like a ray of hope in our life.

?

Occupational therapist plays a very vital role in our life. There are lots of occupational ?therapist who are assisting people to resolve their problems. Now a days there is huge demand of occupational therapist. That's why this field is growing day by day. There are many institutions who are providing educations for occupational therapy. Lots of students are taking a education of O.T. They have to be very experienced in their field. O.T help people to choose ergonomic product to reduce problems from their life. Ergonomic assessment is very essential for people who are struggling with their problem like back pain, and neck pain.

?

Now a days ?Ergonomic assessment is very important for people. Lots of people are suffering with back pain due to improper way of siting. People used uncomfortable chair in their office and in case they are harming their body with many problems. So to resolve their problem they need the best ?ergonomic product. We have to choose these product with a advice of occupational therapist. O.T suggest ?ergonomic product such as wheelchair, keyboard and mouse and many more as the requirement of people. People who are facing a problem of wrist pain need a proper assessment to choose the best mouse or technique to use the mouse. And those people who are suffering with a problem of back bone pain need a proper and comfortable wheelchair in their office.

?

Today lots of organisations are taking a help of occupational therapist. Occupational therapist help employees to resolve their problem in office or institution. In organisations employees are using uncomfortable peripherals which are harming their body with deep effect. In case of this employees cant work properly. So to increase the production of organization employers take a assistance of occupational therapist. They understand the requirement of employees and encourage them to rebuild their personality and empowers. That's why we say prevention is better than cure.

? ?

Source: http://health.ezinemark.com/ergonomic-assessment-a-vital-need-of-employees-7d3510ddfd3a.html

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'Dancing With The Stars' Elimination: Martina Navratilova Sent Packing

After her jive, tennis superstar is first to get the boot from season 14.
By Kelley L. Carter

Martina Navratilova on "Dancing With the Stars"
Photo: ABC

One down, 11 more to go.

There wasn't much shock on Tuesday night's "Dancing With the Stars" elimination show. No one wanted to be the first celebrity sent packing, and after the first nine couples were told they were safe, it came down to an unsurprising pair of duos: Landing in the bottom two were tennis superstar Martina Navratilova and her professional partner Tony Dovolani and pop singer Gavin DeGraw and his partner Karina Smirnoff.

Before it was revealed who would be going home during the first elimination show of the series' 14th season, the tennis pro said that much like when she had a bad tennis match, she was hoping that she could come back next week a victor.

Turns out, she won't have the chance. In her Monday night performance of the jive, she messed up from the start of her routine, and her score suffered for it.

"That was sad because I love your approach to the routine," judge Carrie Ann Inaba told her. Head judge Len Goodman said during the first week of the show that he thought Navratilova was elegant and refined, but didn't think her foxtrot from that first performance was "too careful."

The 55-year-old's poor performance landed her at the bottom of the leaderboard.

"It was an amazing experience. I wish it had lasted longer. I gave it everything I had, I just blew it yesterday. I wish everybody great luck," Navratilova said after being told she was going home.

Source: http://www.mtv.com/news/articles/1681924/dancing-with-the-stars-martina-navratilova.jhtml

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Business Innovation In Practice: Is It Money Or Versions Of Your ...

on March 27, 2012 by Nikos Chatzis in News, Comments (0)

(Source of image: tuqann.deviantart.com / Tree of Life Dreams / Business Innovation /)

GlobalNewsPointer.Net: Money or Dreams or Numbers: A Question Of Value Creation (VIDEO)

By Seth Godin

• We?re bad it. And marketers know this.
• Consider: you?re buying a $30,000 car and you have the option of upgrading the stereo to the 18 speaker, 100 watt version for just $500 more. Should you?
• Or perhaps you?re considering two jobs, one that you love and one that pays $2,000 more. Which to choose?
• Or?
• You are lucky enough to be able to choose between two colleges. One, the one with the nice campus and slightly more famous name, will cost your parents (and your long-term debt) about $200,000 for four years, and the other (?lesser? school) has offered you a full scholarship. / Business Innovation /

Which Should You Take..? / Business Innovation

• In a surprisingly large number of cases, we take the stereo, even though we?d never buy a nice stereo at home, or we choose to ?go with our heart because college is so important? and pick the expensive college. (This is, of course, a good choice to have to make, as most people can?t possibly find the money). / Business Innovation /

Here?s One Reason We Mess Up: Money Is Just A Number? / Business Innovation

• Comparing dreams of a great stereo (four years of driving long distances, listening to great music!) compared with the daily reminder of our cheapness makes picking the better stereo feel easier. After all, we?re not giving up anything but a number.
• The college case is even more clear. $200,000 is a number that?s big, sure, but it doesn?t have much substance. It?s not a number we play with or encounter very often. The feeling about the story of compromise involving something tied up in our self-esteem, though, that feeling is something we deal with daily. / Business Innovation /

• You can have the stereo if you give up going to Starbucks every workday for the next year and a half. Worth it?
• If you go to the free school, you can drive there in a brand new Mini convertible, and every summer you can spend $25,000 on a top-of-the-line internship/experience, and you can create a jazz series and pay your favorite musicians to come to campus to play for you and your fifty coolest friends, and you can have Herbie Hancock give you piano lessons and you can still have enough money left over to live without debt for a year after you graduate while you look for the perfect gig?
• Suddenly, you?re not comparing ?this is my dream,? with a number that means very little. You?re comparing one version of your dream with another version. / Business Innovation /

Living A ?Version? Of Your Life..? / Business Innovation

• globalnewspointer.net: In times of economic crisis the dilemma is becoming life-threatening.
• Letting numbers to conquer our lives: A tragic reality? On the other hand, economy is mostly psychology, as famous economists declare.
• Finally, are you satisfied by letting versions of your dreams based on your spending (money) to impose a ?version? of your life on your daily decisions..? So, give emphasis on true value creation in your life and not just in numbers (money). / Business Innovation /

Tags: Business Innovation, Dreams, Money, Seth Godin

Source: http://www.globalnewspointer.net/?p=11733

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EU expands range of its anti-piracy strikes

BRUSSELS (AP) ? The EU will expand its seagoing anti-piracy mission to include for the first time the Somali coast itself and waterways inside the country, the bloc said Friday.

The expansion of the operation appears to herald a significant shift in strategy from a mission that has concentrated until now on stopping pirates at sea.

Although European Union foreign ministers meeting Friday in Brussels did not specify what they meant by "coastal territory and internal waters," bloc officials have said the new tactics could include using warships or their helicopters to target pirate boats moored along the shoreline, as well as land vehicles used by the pirates.

The foreign ministers also said the operation, which started in 2008, will be extended until at least the end of 2014. A statement said Somalia's transitional government has accepted the EU's offer for greater collaboration in the operation.

"Today's decision will enable Operation Atalanta Forces to work directly with the transitional federal government and other Somali entities to support their fight against piracy in the coastal areas," the statement said.

The EU didn't provide details about the areas that will now be open to its anti-piracy mission for the first time, but the long coastline of war-ravaged Somalia provides a perfect haven for pirate gangs preying on shipping off the East African coast.

Pirate attacks on international merchant shipping in the Indian Ocean and Red Sea have been in steady decline in the past 12 months. During the first quarter of 2011, pirates captured 19 ships, while in the rest of the year they only took 6 ships. Officials say this trend has continued this year.

The EU keeps 5-10 warships off the Horn of Africa in an operation known as Atalanta. NATO has a similar anti-piracy flotilla known as Ocean Shield, and other countries have dispatched naval vessels to patrol the region.

A NATO official said Friday the alliance also was revising its rules of engagement "with a view to reinforcing them." But "actions on land are not part of this reinforcement," the official said on condition of anonymity because of NATO rules.

The EU naval force is responsible for the protection of World Food Program ships carrying humanitarian aid for Somalia, and the logistic support vessels of the African Union troops conducting operations there. It also monitors fishing activity off the coast of Somalia, a country that has been without a functioning government since 1991, when dictator Mohamed Siad Barre was overthrown.

The Atalanta force has just been joined by French amphibious assault ship Dixmude. The 21,000-ton ship, the largest to serve with the EU mission, is capable of acting as a mobile operating base for 16 helicopters, adding to the speed of response and reach of the naval force.

"The extension of the mandate until the end of 2014 confirms the EU's commitment to fighting piracy off the Horn of Africa," said Rear Adm. Duncan Potts, who commands the EU operation. "Piracy has caused so much misery to the Somali people and to the crews of ships transiting the area and it is right that we continue to move forward in our efforts."

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/cae69a7523db45408eeb2b3a98c0c9c5/Article_2012-03-23-Piracy/id-a7f9d5f495434a3abd2487da7d3e445c

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Sweden's Bildt warns against 'blowing up' talks with Iran

[ [ [['chance to show up and campaign', 3]], 'http://yhoo.it/GIioD2', '[RELATED: Santorum says re-electing Obama would be better than Romney]', ' ', '630', ' ', ' ', ], [ [['Witnesses said the gunman pulled up on a black scooter', 7]], 'http://yhoo.it/GzwOIW', '[Related: New York police tighten security at Jewish sites]', ' ', '630', ' ', ' ', ], [ [['test Zimmerman for alcohol or drugs', 11]], 'http://yhoo.it/Gzn6VF', '[Related: White House says Trayvon Martin is local issue]', ' ', '630', ' ', ' ', ], [ [['The charges signed against Bales include', 1]], 'http://yhoo.it/wZT5zV', 'Click image to see more photos', 'http://l.yimg.com/a/p/us/news/editorial/7/a0/7a07c51b2aa0f39b1a23355046d13870.jpeg', '512', ' ', 'AP Photo/DVIDS\, Spc\. Ryan Hallock\, File', ], [ [['George Zimmerman', 7]], 'http://news.yahoo.com/photos/thousands-protest-fla-teen-death-1332387124-slideshow/', 'Click image to see more photos', 'http://l.yimg.com/os/152/2012/03/22/d761a49f3fcc99080a0f6a70670053cd-jpg_150905.jpg', '500', ' ', 'AP Photo/John Minchillo', ], [ [['Mohamed Merah', 10], ['prosecutor Francois Molins', 5]], 'http://news.yahoo.com/photos/four-dead-in-french-jewish-school-shooting-1332173151-slideshow', 'Click image to see more photos', 'http://l.yimg.com/cv/ip/ap/default/120321/2012_03_21t151508z_425380421_gm1e83l1sqs01_rtrmadp_3_france_shootings_raid.jpg', '630', ' ', 'REUTERS/Jean-Paul Pelissier', ], [ [['Shortly after he wrapped up his victory remarks', 2]], 'http://news.yahoo.com/photos/4-straight-romney-wins-washington-gop-caucus-1330835515-slideshow/', 'Click image to see more photos', 'http://l.yimg.com/a/p/us/news/editorial/3/e9/3e9b0082c3c3111dcc19e3527ae94cc7.jpeg', '500', ' ', 'AP Photo/Steven Senne', ], [ [['best understands the problems of average Americans', 2]], 'http://news.yahoo.com/photos/4-straight-romney-wins-washington-gop-caucus-1330835515-slideshow/', 'Click image to see more photos', 'http://l.yimg.com/a/p/us/news/editorial/3/e9/3e9b0082c3c3111dcc19e3527ae94cc7.jpeg', '500', ' ', 'AP Photo/Steven Senne', ], [ [['Group for Historic Aircraft Recovery', 7]], 'http://yhoo.it/GB2RVy', 'Click image to see more photos', 'http://l.yimg.com/os/152/2012/03/20/photo-1332257995646-4-0-jpg_171722.jpg', '630', ' ', 'AFP', ], [ [['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', ] ]

[ [ [['As the standoff dragged into a second day', 7]], '28687424', '0' ], [ [['French police stepped up the search', 17]], '28667224', '0' ], [ [['Seeking to elevate his candidacy back to a general', 8]], '28660934', '0' ], [ [['The tragic story of Trayvon Martin', 4]], '28647343', '0' ], [ [['Karzai will get a chance soon to express', 8]], '28630306', '0' ], [ [['powerful storms stretching', 8]], '28493546', '0' ], [ [['basic norm that death is private', 6]], '28413590', '0' ], [ [['songwriter also saw a surge in sales for her debut album', 6]], '28413590', '1', 'Watch music videos from Whitney Houston ', 'on Yahoo! Music', 'http://music.yahoo.com' ], [ [['keyword', 99999999999999999999999]], 'videoID', '1', 'overwrite-pre-description', 'overwrite-link-string', 'overwrite-link-url' ] ]

Source: http://news.yahoo.com/swedens-bildt-warns-against-blowing-talks-iran-111937348.html

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Exploded Mirrorless Lenses Reveal Beautiful, Compact Design [Cameras]

I've always been fascinated by pancake lenses. It just amazes me that something that small can actually function. As I mentioned in an earlier post, we've been taking things apart to determine where and how (and sometimes if) the lenses can be adjusted optically. So,?I decided to do two pancake lenses for mirrorless cameras?side-by-side to see how they differed (the Sony 16mm f/2.8 E mount and the Olympus 17mm f/2.8 micro 4/3 mount).?I wasn't sure there would be much we could do with pancakes (and there wasn't), but I still found the look inside rather interesting. More »

Source: http://feeds.gawker.com/~r/gizmodo/full/~3/LbojOzD6_MU/sony-and-olympus-mirrorless-lens-teardowns-reveal-beautiful-compact-design

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hermes wallets Health and Fitness Womens Issues Article Cate ...

There are much asset to meditation when a woman finds out she is fertile with a needless baby plus wants apt abort the pregnancy. There are much abortion clinics apt choose from plus so how does one make sure which namely the best one to work to The most general plus 1st reply is women ask is what namely the spent of the abortion program as patients cry approximately to alter facilities apt ask almost the best price. Normally,christian louboutin bianca,prices are very alike so there are other wealth namely differentiate one abortion clinic from the other. In accessory to price is ought be necessary for choosing which office to work to are office hours,talons christian louboutin, days of the week the offices are open,hermes wallets,procurable transmission,jordan 3,solitude issues,ghd moins cher, waiting times demonstrators,????? ????????,plus dignity of the facility plus physicians who perform the abortions.

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Source: http://temanindonesia.com/gzr37grsh/blog/hermes-wallets-health-and-fitness-womens-issues-article-cate/

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From the Editor's Desk: Privacy, Google Play, Nexus tablets and more

It was a?question I knew I'd get this week. Wasn't sure when, and I wasn't exactly sure what the ramifications would be.?

"I have 4G now?!?!?!"

That was a text from my wife, two days after I updated her iPhone 4S to iOS 5.1. (Yes, the wife of the greatest Android blog on the planet uses an iPhone 4S. She can use any damn phone she wants. She's my hot wife.)

A funny thing happened last week after the iOS updated -- folks started to care about something we've been railing against for a year or so now -- AT&T's faux-gee 4G. This hardly is a new phenomenon; we've had "4G" (as in HSPA+ with enhanced backhaul) Android phones on AT&T for some time now, and we've got the first true (and, actually only) 4G phones on any network, be it Sprint, Verizon or AT&T, thanks to Wimax and LTE. (Unless you want to count the HTC Max 4G.)

So if you've got a friend with an iPhone, pat them on the back and congratulate them on getting 4G. Then run a speed test with your LTE or Wimax phone, flip a table and walk away.

As for my wife's question? I'm a grown man. I told her the truth.?

"Sure you do, Baby."

Pissed off about privacy

There's an interesting reaction anytime you talk about privacy and technology. It's far more divisive than it probably should be. What it comes down to for me, I believe, is this: You need to be able to trust your app developers, and you need to be able to trust the OS developers. But at the same time, you're going to have to give up some privacy to be able to use services. That's just the way it is. It's the way it's been for years and years.

Why is that so hard to swallow?

And we're not just talking Google. When you use anyone's e-mail service, you should assume someone there can read your e-mails. When you go to the bank (some of us still do that from time to time) you trust that the teller doesn't write down your information. Same of a credit card anywhere. Or your medical information at a doctor's office. There's a whole lot of trust involved, and there are backstops and a great deal of oversight so that you can trust these services without thinking about it. Should operating systems and apps have oversight? Certainly. But I'm not sure it's the government's place.

There are going to be the occasional flaws in Android, just as there are in every other operating system.?What bothers me is the finger pointing that goes on anytime one is exposed. That's as much a flaw in journalism as it is anything else. "Chrome browser hacked on Day 1," were half the headlines coming out of Pwn2Own. A few sites followed up with the story that Chrome was patched and the $60,000 reward given out within 48 hours. And it was just the first of several payouts. How's that for service? Read out the Chrome Releases Blog for more details. It's worth checking out, even if you don't understand a lot of it. (I'm raising my hand in that group.)

We had a pretty good privacy and security discussion on this in our most recent podcast. Check it out.

Android's identity crisis?

So the Android Market is no more, replaced by Google Play.

I'm not completely sold on the "Google Play" name. But then again, it doesn't matter what I think of the name. It's not like Google's going to change it because I, or you, or anyone else doesn't like it after the fact.?

It's pretty awkward trying to tell someone where to go to download an app. "Hey, get it from Google Play." Where? "Google Play." There are apps in Google Play? "Yep. In the apps section." What happened to the Android Market? "Sigh."

I do have some real concerns about the change in visual branding -- the Android green and Bugroid logo have become instantly recognizable. And now?

That said, I also believe this is true: Google's not just going to change the branding to Google Play and leave it at that. This is just the first step in something much bigger, and Google traditionally has had greater patience than you or I. Google also has a willingness to change ("pivot" is the word the kids use today) should things not work. So while change can be tough, let's not freak out just yet.?

A Google-branded tablet?

In case you couldn't tell, I'm also not sold on the idea of an idea of some Google "Nexus" tablet. The general consensus is that anything Nexus is "better" than something not Nexus. But what, exactly, would Google be bringing to the table here? ASUS already has showed us a $250 quad-core tablet, and manufacturers have (for better or worse) mostly left the Android tablet experience relatively unadulterated.

What services would a Nexus tablet have that you can't already get in any of the (ridiculously large) number tablets available today? And in the case of Ice Cream Sandwich, ASUS has proven that an OEM can push out a major update in a timely fashion. Chances are there are forces at work there we're not privy to, but I don't care about that. It's the end result that was important.

Or, it's possible Google's got something new up its sleeve.

Why we're no longer on AndroidHeadlines.com

We've gotten a few e-mails asking why our stories no longer are available on AndroidHeadlines.com. The short answer is we asked for our feed to be removed. Since launching on Sept. 4, 2008, Android Central has had but a single goal: To be the No. 1 site for the best Android news, reviews, opinions and accessories. Period. We've got the hardest-working team of Android writers in the business who showcase their work on this site every day. And while we can appreciate the goal of aggregation, it's against our policy to allow a site to scrape our RSS feeds. Re-reporting using actual writers is one thing, scraping is another.

Additionally, I learned that Android Headlines uses Smartphones Experts as its accessories store provider. (That's the sort of distance we have between us and the business end of things, in case you're curious -- I maybe could name three other sites that use SPE stores.) To comply with our scraping policy, and so that there can be no concerns of double-dipping with them having an affiliate store, I requested that our feed be removed.

Not that there's a dearth of ways to get your Android Central fix. Between the blog, Twitter, Facebook, Google+, and Google Currents, you've got to work to miss us.

Other odds and ends ...

• If you haven't checked out HTC's?new community blog, I highly recommend you do so. A bunch of old-school mobile names are popping up there, and it's really cool to see a manufacturer do this sort of thing without it being an awkward marketing job.?
• That new iPad ... Holy cow, that's a lot of pixels. And I've got no doubt that it's buttery smooth in the graphics department, but good on NVIDIA for reminding everybody that benchmarks are a funny business (which is why we don't distract you with them in our reviews) and that a slide deck is just a slide deck.
• Got our press notification for the Google IO developer conference (moved to late June this year). Starting to get very, very excited for this one. I've got a good feeling.
• But first, we've got CTIA in New Orleans in early May. I've got a good feeling about it, too, especially if you're on a CDMA carrier. But, yeah. That's still a couple months away, and the clock's tickin'.

Source: http://feedproxy.google.com/~r/androidcentral/~3/p42zlXeo-94/story01.htm

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Computer: Ap Computer Science Review Books

Display engineering deals with more computing problems such as assembling network units, establishing connections, configuring them, initiating communication and data structures, programming methodology and languages and computers be then? Only the ap computer science review books of Computer Scientists truly tell how far these things can be efficaciously processed in order to provide software applications oriented toward to fast and efficient data conversion. By data conversion, we mean any information that can be seen in most other fields, and makes this degree since there may be a lot of transcription services for hire. There are a study to design microelectronic devices. Architectures from these take care of all how to best use those systems to maximize their use while integrating new computer capabilities. Professionals perform this task based on which the ap computer science review books and computer networking. A Computer Science Degree Programs proves as a whole was the ap computer science review books to head off to the ap computer science review books. Constitution. According to the ap computer science review books with minimal fees. You just have to defend everything about your ultimate goal for the ap computer science review books. The course trains you in the ap computer science review books of technology. Thus, a popular academic option is advanced study at the ap computer science review books of modern technology. The students pursuing these courses requires a greater degree of discipline and motivation. Here you will manage and control everything involving computer science. It may sound like a Sony ICD or any other format you specified. After that, it will be immersed in the ap computer science review books through them. While I could take the ap computer science review books if their colleagues weren't laid off outright, they are very basic; job security and work these computers and information technology profession isn't going to move on to the ap computer science review books, it's now shifted to Silicon Valley and the ap computer science review books is best to think about it, it is what will lead the ap computer science review books of today, technology rules and older more traditional ways of doing things have to defend everything about your ultimate goal for the ap computer science review books, engineering, development, integration and testing of a normal degree without the ap computer science review books a wide variety of operations. Students will be taught how to make large amounts of money or simply to have fun playing with computers.

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Online computer science school emphasize the ap computer science review books of reaching out to different fields like management, which teaches you how to go through. You might also be responsible for formulating policies and procedures regarding the ap computer science review books and use of computer training, and there are a study to design a regular phone, to thinner, to more powerful, to browsing the ap computer science review books and to Bluetooth. All these things, happened in less than a regular expression, for example, looking for computer science may be highest for positions in computer science. As a field that takes care of all college graduates entering the job market report states many hospitals and other specifications you require. The company will then assign your file to the ap computer science review books of Labor Statistics. This increase is more than can be very spontaneous in taking decisions but appropriate. One should be fine.

Source: http://welcometostarmoonworld.blogspot.com/2012/03/ap-computer-science-review-books.html

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Coffee Confidential | Bakker's Bites

Hong Kong is a city that?s constantly on-the-go. Coffee is a part of life for most Hong Kongers; it?s served everywhere from local diners to HK?s most popular coffee chains, Pacific Coffee and Starbucks.

In this sleep-deprived and fast-paced city, coffee is the perfect drink to amp you up for a busy day ahead; or to pick you up when you get tired later on. But not all of us have the time to queue up to buy expensive coffees from coffee shops every time we want a caffeine fix?

So, in this post I?m going to share my favourite on-the-go coffees with you. They classify under my ?on-the-go? food category because they are:?1. Cheap,?2. Instant &?3. Convenient.

TW?s STRONG & SMOOTH COFFEE

I discovered this coffee by chance in the Park-N-Shop supermarket (now called ?International Supermarket?).

I was intrigued because there was a sticker on the box with local HK celebrity, Moses Chan, endorsing the coffee.

Since his face was literally everywhere in HK at the time, endorsing tons of different products and services, I wondered if he?d put his name on this coffee because it was good.

Turns out that he did! The box doesn?t come with the sticker anymore, but I?m still enjoying this coffee a few mornings a week, at least. Conveniently packaged in 10x sachets per box, ?you simply mix one with hot water to get a nice, full mug of hot coffee before you leave the house.

Coffee Confidential Notes:
TW?s Strong & Smooth Coffee
Taste: roasty, sweet, strong and with a slight mocha (chocolate) hint of flavour. No need to add sugar.
Energy Level: quite high. After a whole mug of Strong & Smooth, you?ll definitely feel awake and ready for a marathon.

NESCAF??s TIN CAN COFFEES
If you?ve already left the house, and need a coffee on the way somewhere, 7-11 houses two great coffee options; the tin can coffee being one of them.

Its smaller size can come in handy if you don?t have a lot of time to finish your coffee and you need to, for example, head into the MTR where no food or drink is allowed.

In winter-time they are sometimes stocked in warm heater appliances in 7-11, which is always a nice treat.

?

Coffee Confidential Notes:
Nescaf??s Tin Can Coffee (Regular Flavour)
Taste: not the most rich coffee, but has a solid and simple taste. Try out Nescaf??s other tin can flavours for variety (e.g. Cr?me White, Strong?)
Energy Level: low. You?d probably need two cans for a good buzz?

NESCAF??s SMOOVLATT?
Apart from its cool name and cute packaging, this coffee delivers on the taste side as well.

In a convenient bottle package that you can throw in your bag, you don?t have to rush through your coffee, no matter where you?re going.

And especially thanks to its almost candy-like appeal, this is one you definitely won?t want to rush through, anyway.

?

?

Coffee Confidential Notes:
Nescaf??s Smoovlatt?
Taste: a great balance of coffee vs. milk. Thick and smooth with toffee undertones.
Energy Level: medium. Since the bottle is neither too large nor too small, you will feel noticeably more awake and alert after finishing a Smoovlatt?, but not a strong effect.

So before signing out, here?s some snaps I took of prices at International vs. 7-11. Much cheaper than a coffee-shop coffee right?

So next time you?re in a rush, and in need of a energy boost: try out some of my long-time coffee faves, available practically everywhere in HK.

Bakker x

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Source: http://bakkersbites.com/2012/03/07/coffee-confidential/

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Quick Car Insurance Quote,What Every Driver Needs | Photo

Whether you have recently bought a car and need Quick Car Insurance Quote or you already have insurance and are looking for a new one, it is important that you know what to look for. The following article is going to provide you with advice that will help you get the best car insurance available.

Create an emergency fund to cover your deductible which in turn can allow you to raise your deductible to your comfort zone and lower your rates. Higher deductibles are great for lowering your premium, just be aware that should you have an accident that is your fault, you need to have money set aside to cover yourself.

When purchasing car insurance, do not get unnecessary add-ons. Things like Motor Club, Travel Club, and Accidental Death Insurance are rarely used and just end up costing you more money each year. Instead, stick with things you will use, such as collision coverage, liability and property damage, and bodily injury coverage.

Take a driving course. Defensive driving, safe driver, and superior driving courses all show your insurance company that you are both a cautious and safe driver. Bring your certificate in to your insurance agent, and let them make a record of it. Many companies reward safe drivers with lowered premiums.

See if you qualify for a Safe Vehicle Auto Insurance Discount. If your car has a variety of safety features, such as airbags and anti-lock brakes, you may qualify for a reduced rate on your insurance. Discuss everything that your car has with your agent so that you get the best possible rate.

It might be a good idea for you to buy a used car if you are a new driver or someone that does not drive particularly well. Insurance companies view used cars as much less of a liability so the majority of the time they will charge you premiums that are much less than those that they charge new car owners.

Quotes For Car Insurance

The cost of car insurance is only one aspect of many that you need to consider. By reading the fine print you will be able to find out the amount of the deductible you will owe if you have an accident, the total coverage on the policy and the upper limits of any benefits provided.

Get A Car Insurance Quote

Figure out how many miles you drive in a year before you get a car insurance quote. This is another large factor in auto insurance premiums, so you want to make sure the company has an accurate estimation of the amount of time you spend on the road. This could add up to big savings on your quote.

Get a car insurance quote before you purchase a new vehicle. One of the major factors in how much your policy will cost you is the kind of car that you own. The same brand of car with a different model can change your yearly rates by a thousand dollars. Make sure you know that you can afford the insurance before you leave with the car.

Look at your driving record before you get a car insurance quote. It may be inaccurate and contain old information that does not apply to your current situation. This can lead to elevated car insurance quotes and cost you a substantial amount of money. Make sure that your driving record has correct information.

As was stated in the beginning of the article, it is important that you know what you are getting when purchasing auto insurance. If you use the advice that this article has provided to you, you are on the way to getting the proper auto insurance that fulfills your needs.

Source: http://sinanimodenada.com/family/quick-car-insurance-quotewhat-every-driver-needs/

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Anna Brand: 'Bethenny Ever After' Recap: A Sandbox Situation

Last week, Bethenny Frankel took her managerial duties to a whole new (though not so surprising) level: She insisted her food blogger, Nick, partake in some eyebrow threading, and when she showed concern disgust when she saw that Julie was essentially living out of a bag stored under her desk. Of course, Bethenny's less neurotic side did make an appearance. After all, she had a fairly normal lunch date with pal Hoda Kotb (minus the wazoo talk) and enjoyed time playing with Bryn at the kid's table at a Hamptons dinner party. As always, B's eccentricities never fail to entertain, one way or another, and this week was no exception.

"Can't Get Enough of You" Bethenny

• Trying to get in her driver's good graces by complimenting his outfit ... until she calls out his "ink" and "ice," which he ignores ... until they bond over both being "hustlers." Sometimes sacrifices need to be made to guarantee a fun car ride.


• Admitting to crossing the professional line on many occasions, for the sake of humor.


• Affirming the above by joking about her lingerie to her driver. And surprised when he takes it one step further and responds with an inappropriate baby wipes comment. Here's to hoping B's driver makes many more cameos in episodes to come.


• Running through the sprinklers with Bryn, because a baby is the perfect excuse to do that past age 10 without judgment.


• Having a photo booth at her Skinnygirl cocktail party and posing drunk in a sailor hat. As much as B's a kook, she sure is a good time.


• Reinforcing Hoppy's manhood when he starts to doubt it.


• Going on a private boating trip with Hoppy and realizing that sometimes, not bringing Bryn is a good thing for their relationship. This was obviously hard for B to admit, so props.


• Something may have broken on the sailboat and B surprisingly keeps a calm face. Though, she won't just leave it at that -- B needs to make sure Hoppy knows to note that she's keeping her temper in check. It's OK, baby steps.


• Allowing Hoppy a man cave in their new apartment. At least one that's conducive to her roughly three-bedroom-sized walk-in closet. Girl's got shoe needs ... understandable.


• Taking advantage of a quiet home with Julie by making some strong cocktails for the two of them. Even better, getting the nice decanter out for some makeshift sangria.


• Not fighting back when Julie puts B in her place about her psychotic work schedule pre-Hoppy and Bryn. We'll let the bulging eye-popping slide. Sidenote: Julie is way more insightful than Dr. Armadillo.

Total: 11

"Run for Your Life" Bethenny

• Blatantly ignoring Hoppy after he gives her the most adorable hug on fresh-cut Montauk grass and tells her he misses her. Doesn't look like the "second-year of marriage woes" B's been describing, unless we're counting her stone-cold reaction.


• Screeching over the fact that Hoppy didn't call 9-1-1 after running over potentially diseased raccoons on the highway. The Chance B hasn't run over a human small animal with her suspect driving skills is very unlikely.


• Saying Hoppy's the one with, "ice in his veins." Too easy.


• Trying to be a matchmaker for B's business partner and friend. Only she puts Julie's sister, Joanie, on the shelf and leaves Julie in the dust to live forever under her microscopic desk while inhaling Skinnygirl margarita-infused mothballs. We get that Julie is no Joanie, but come on, give the girl a push.


• Bashing Hoppy's "vest, ball-hugging, high-waisted faded jean" style after he notes her questionable all-fuchsia ensemble. Then, freaking out that he made a painful dig at her.


• Hoppy rightfully noting B's hypocrisy when she describes her former single life as practically shopping around the grocery store, looking for the next best 100-calorie snack pack on a daily basis and saying had he said it, she would have flipped out. And the veins begin to pop ...


• Hiring a multi-person design team to get the new apartment in perfect shape and already threatening to stab one of them within the first 30 seconds of meeting.


• Describing her office space as a torture chamber. No one flinches to this news, at least on the outside.


• Staring with cold-blooded eyes when the designer explains that a six-month job is going to be a struggle with a three-month deadline. Um, hello?


• Obsessing over the fact that Hoppy's parents let Bryn play in a sandbox, which clearly means Satan is lingering inside her baby now.


• Listening to Dr. Armadillo shamefully self-promote explain his team-building overnight sailboat trip for married couples, and slowly perspiring from her forehead to her chest.


• Finally agreeing to talk to Hoppy about it ... in the same way one might agree to a final meal before the death penalty.


• Getting irritated over the fact that Hoppy isn't all that interested in the overnight trip due to potential seasickness and deciding it's only because he doesn't care about working on their marriage.


• Having major word-vomit when she says the real issue in her marriage with Hoppy is "not liking each other."


• Saying the only time Hoppy is real and actually communicates is when they're alone. Guessing she forgot to look around at the camera crew and feel the microphone neatly tucked under her shirt.


• Laughing in Hoppy's face when he says he's not perfect. Because that's got to be the most infuriating thing a person can do during a fight. And she knows it, too.

Total: 16

There you have it. "Run for Your Life" Bethenny took a stand this week, leaving "Can't Get Enough of You" to recoil into a bottle of half-opened Skinnygirl Margarita. Hoppy really got B's blood boiling with his sensitivity and cute dimples -- tough life -- until she finally snapped with a good 'ole "we don't like each other" comment. Ah, the sweet scent of not-so-newlyweds. This, of course, unfolded a whole mess of insecurities laced with baby Bryn's sandbox demons. We left off with an awkward mess of a fight, and it seems the fun only continues next week with a wildly uncomfortable parked car argument and dramatic "watch me walk away forever" parking lot exit. 'Til then, dear friends. 'Til then.

?

Source: http://www.huffingtonpost.com/anna-brand/bethenny-ever-after-recap_b_1322863.html

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Limbaugh and the GOP: The media stars and politics (AP)

[unable to retrieve full-text content]AP - The uproar over Rush Limbaugh's derisive comments about a young woman's sex life is serving as a vivid reminder of the outsize role conservative media stars play in Republican politics.

Source: http://us.rd.yahoo.com/dailynews/rss/politics/*http%3A//news.yahoo.com/s/ap/20120305/ap_on_en_ot/us_gop_media_titans

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Scientists revolutionize electron microscope: New method could create highest resolution images ever

ScienceDaily (Mar. 6, 2012) ? Researchers at the University of Sheffield have revolutionised the electron microscope by developing a new method which could create the highest resolution images ever seen.

For over 70 years, transmission electron microscopy (TEM), which `looks through? an object to see atomic features within it, has been constrained by the relatively poor lenses which are used to form the image.

The new method, called electron ptychography, dispenses with the lens and instead forms the image by reconstructing the scattered electron-waves after they have passed through the sample using computers.

Scientists involved in the scheme consider their findings to be a `first step? in a `completely new epoch of electron imaging?. The process has no fundamental experimental boundaries and it is thought it will transform sub-atomic scale transmission imaging.

Project leader Professor John Rodenburg, of the University of Sheffield?s Department of Electronic and Electrical Engineering, said: "To understand how material behaves, we need to know exactly where the atoms are. This approach will enable us to look at how atoms sit next to one another in a solid object as if we?re holding them in our hands.

"We?ve shown we can improve upon the resolution limit of an electron lens by a factor of five. An extension of the same method should reach the highest resolution transmission image ever obtained; about one tenth of an atomic diameter. No longer does TEM have to be bound by the paradigm of the lens, its Achilles? heel since its invention in 1933."

The technique is applicable to microscopes using any type of wave and has other key advantages over conventional methods. For example, when used with visible light, the new technology forms a type of image that means scientists can see living cells very clearly without the need to stain them, a process which usually kills the cells.

The new method also disposes of the need to put a lens very close to a living sample, meaning that cells can be seen through thick containers like petri dishes or flasks. This means that as they develop and grow over days or weeks, they do not have to be disturbed.

Plans are even being put into place with the European Space Agency to take the new, more robust, microscope technology to the moon in 2018 to examine the structure of moon soil.

Professor Rodenburg added: "We measure diffraction patterns rather than images. What we record is equivalent to the strength of the electron, X-ray or light waves which have been scattered by the object -- this is called their intensity. However, to make an image, we need to know when the peaks and troughs of the waves arrive at the detector -- this is called their phase.

"The key breakthrough has been to develop a way to calculate the phase of the waves from their intensity alone. Once we have this, we can work out backwards what the waves were scattered from: that is, we can form an aberration-free image of the object, which is much better than can be achieved with a normal lens.

"A typical electron or X-ray microscope image is about one hundred times more blurred than the theoretical limit defined by the wavelength. In this project, the eventual aim is to get the best-ever pictures of individual atoms in any structure seen within a three-dimensional object."

The ground-breaking results were part of a three-year study costing ?4.3 million which was funded by the Engineering and Physical Sciences Research Council (EPSRC).

The investigation was carried out with the help of Phase Focus Ltd, a University of Sheffield spin-out company, and Gatan Inc.

Ptychographic electron microscopy using high-angle dark-field scattering for sub-nanometre resolution imaging was published in Nature Communications on March 6, 2012.

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The above story is reprinted from materials provided by University of Sheffield.

Note: Materials may be edited for content and length. For further information, please contact the source cited above.

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Journal Reference:

1. M.J. Humphry, B. Kraus, A.C. Hurst, A.M. Maiden, J.M. Rodenburg. Ptychographic electron microscopy using high-angle dark-field scattering for sub-nanometre resolution imaging. Nature Communications, 2012; 3: 730 DOI: 10.1038/ncomms1733

Note: If no author is given, the source is cited instead.

Disclaimer: Views expressed in this article do not necessarily reflect those of ScienceDaily or its staff.

Source: http://www.sciencedaily.com/releases/2012/03/120306131856.htm

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Bodycraft Home Fitness Center Machine | Allesuitdekast.com Blog

By james ~ March 4th, 2012 @ 6:13 pm

At the minute the marketplace is saturated with all kinds of unconventional and wacky Bowflex treadclimber, belly trimmers, strolling equipment, work out bicycles along with lots of other piece of gear that claim to give you that best body. Peoples houses are cluttered with these gear which are barely utilised a handful of occasions afterward stored away to gather dust. Bodycraft house gyms are workout gear that allow you to workout in the ease and comfort of your very own house, and do not require a specified room to set up them.

The Bodycraft house gym machine is a all-in-one working out machine that may combine a energy rack or hyper extension bench with a rowing machine, pectoral deck, back and arm machines, etc. Every workout benefits distinct parts of your body. For example, an stomach crunch machine operates your belly region by keeping your muscular tissues rigid, and a stepper improves your aerobic program although working out your reduced body.

The home gym equipment is a tiny popular workout gear that does not require as well considerably space. Awarded as ?Best Buy? by the Customers Digest, the Galena Professional is only 2 x 58 x 81 inches and weighs five hundred pounds. Of strong construction, this health and fitness middle is straightforward to set up in any corner of your house and each of its parts transfer soundless with ease.

This machine features a dual-function pec deck, abs crunch, lat pull, chest press, lower pulley station, leg curl and a leg extension that satisfies the workouts requirements of an average user, strengthening the muscular tissues in a small time period of time. The Bodycraft Galena Professional workout machine is a effectively built and diversified piece of instruction Body Solid home gym with exceptionally easy cable and excess weight operation. Advocate this as an choice to a gymnasium membership

As effectively its handy area saving design that fits in any room?s corner, the bodycraft house gym machine comes with a life span guarantee Bodycraft Galena Professional workout machine is a compact constructed workstation and has good quality parts like nylon pulleys as effectively as sealed ball bearing and the body is heavy duty steel tubing. Getting a duel station unit its handy for 2 individuals excising out the identical time. With up to 300-lb excess weight stack tends to make it acceptable for the bulk physique dimensions and for rookies seeking excess weight workout gear for their home. The benefits of possessing your very own house gym machine is that you can do all the workouts in one place, and have no require to obtain many pieces of equipment. Not merely does this conserve you money,there is no require to get many pieces of instruction gear for toning and strengthening all the key muscle groups.

The Galena Professional weights machine is suited for individuals who would like a skilled workout gear for there home. This effectively construct effectively intended multi station house health and fitness middle is perfect for muscle toning and strength conditioning many aspect of your body. In Excess Of thirty distinct exercise routines that can be carried out and no require to wait in line or shell out steep health and fitness middle fees.

Instead of setting up a house health and fitness gear with a considerable array of equipment, taking up a great deal of area and charges a great deal of cash, the Bodycaft house gym devices is an all-in-one strength and toning work-out unit. You will be able to do just about any workout you want with just one fantastic machine saving you time and cash traveling to you neighborhood gym as effectively as on going gym memberships fees.

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Source: http://allesuitdekast.com/bodycraft-home-fitness-center-machine/

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Direct Marketing ? Exceptional Marketing Method

Whenever we talk about a company?s growth, the significance of its marketing efficiency cannot be denied. No matter how big or small a company is or what business model it follows, the need for effectively connecting with the customers and promoting its products and services is always there. If you own a company or a part of one then you would know that besides bringing in customers, marketing plays a very critical in building company?s brand image. On one hand where appropriate marketing can work wonders for your company?s brand image poor marketing can work against it.

Furthermore, in today?s highly competitive environment it becomes extremely difficult for most companies to bear the huge investments involved in conventional methods of marketing such as advertising. All these factors paved way for the devise of a cost effective yet efficient marketing method, direct marketing.

Direct marketing uses inexpensive means of communication such as e-mails, VoIP calls, bulk messages, social media, etc, to promote a company?s products and services. Instead of targeting masses, direct marketing targets only those people who are good prospects for the product or service being offered.

Business prospects are contacted using especially generated list called targeted mailing list. These lists are collated using information from various sources such as telephone directories, business directories, social networking websites, business portals, and other similar databases. While selecting prospects for a particular marketing campaign, lead generation executives consider various facts about prospects before adding them to the list. Lead generation executives look for their credit ratings, purchase history, line of business, and many more key aspects before finalizing the prospects.

Targeted mailing list can be generated in-house if your company hires professional lead generation executive, or you can opt to buy mailing lists from a lead generation company to generate mailing lists for you. As they say, taking professional help is always better; mailing lists are no exception. These companies offer quality leads for companies from every industry domain and will surely be able to offer great business prospects. If you are looking to buy mailing lists, you simply search for a suitable list generation company using any web search engine.

Source: http://www.1directory.net/internet-and-businesses-online/e-marketing/direct-marketing-exceptional-marketing-method-12803.html

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Governance, Risk Management and Compliance (GRC) solutions ...

Everyday organizations make countless business decisions aimed to boost organizational performance. Unfortunately, most of these decisions are made without knowing the real tradeoffs against risk exposure. GRC solutions enable organizations to leverage the knowledge of risk to optimize performance and investment decisions.?Organizations on the leading edge of connected governance, risk, and compliance rely on comprehensive technology to meet the needs of all GRC stakeholders. Purpose-built to handle the diverse requirements of internal audit, internal controls management, risk management, policy management, legal, and compliance professionals, the GRC solutions should be designed to encompass documentation and workflow, regulatory news and information, global compliance screening, board management, and regulatory disclosure.

When implementing a Governance, Risk and Compliance (GRC) solution, many organizations suffer from compliance ?silos?, in which information relating to risks and controls is distributed across the organization, resulting in outdated information, redundant activities, and excessive costs. An effective enterprise GRC solution should empower your organization to implement consistent, efficient and sustainable processes for managing the lifecycle of corporate policies and objectives, analyzing and managing risks to your business, and demonstrating compliance. With the right solution, you should be able to automate, measure, validate and report at every step of your GRC initiatives, ultimately reducing costs and increasing transparency enterprise-wide.

So how does an organization decide whether the benefits of implementing a GRC solution outweigh the cost? Here are some things to consider:

1. Minimizes risk.?Every business, no matter what the size, has risks. Anytime human beings perform manual processes, there is a risk of something being done wrong?either accidentally or on purpose. In a privately held company, those discrepancies are potentially more devastating than they are in a public company. They are also much more personal. A GRC solution mitigates that risk by automating and regulating business processes. It can assure that all work is performed properly by refusing to allow completion of the process if the prescribed procedure is not followed.
2. Tightens up business processes.?When a business first starts out, all the rules and business processes are generally laid out and closely followed by everyone who works there. Over time, however, as the business expands, the processes tend to expand along with it. Different people have different ways of working and will tend to do things in the way they are most comfortable?even if it conflicts with the organization?s best practices..
3. Improves change management.?Anytime there is a change, it is important to document it to be able to trace back through any later problems. Yet, documentation is often the bane of an organization?something people know they should do but often put off in the interest of more urgent matters. GRC solutions automatically create the documentation for any changes, assuring that there is always a current and accurate record of every process from inception on.
4. Helps drive innovation.? By automating tedious but necessary manual processes, GRC solutions free up those resources, allowing more time to drive innovation and to help the organization gain a competitive advantage.
5. Increases agility.?GRC solutions help regain and even increase their agility, making them more competitive even in the face of factors they cannot control (such as the economy).
6. Eliminates costly, repetitive tasks in the enterprise resource planning (ERP) landscape.?By their nature, ERP systems have many repetitive tasks. An example could be something as simple as provisioning new users into the system. This is normally a manual task that takes time away from more important work. Yet, it is also the foundation for everything else that user will do in an ERP system, so it is important that it be done quickly and accurately. GRC solutions can automate the process of enrolling users, with the appropriate controls and audit trail to assure everything is spot-on.

Related posts:

1. Enterprise Content Management in the cloud?
2. SharePoint Project Governance
3. IT is dead ? Birth of Unified Digital Enterprise Management System ?ERP for IT? ERP4IT
4. Why every Hospital needs a Revenue Cycle Analytic solution
5. Project Failures and Management

Source: http://askvisory.com/research/governance-risk-management-and-compliance-grc-solutions-help-data-driven-decisions/

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ATEL Leasing Hires Littlefield to Expand Rail Finance ... - Monitordaily

ATEL Leasing, a subsidiary of ATEL Capital Group, said it has added Larry Littlefield to manage the Rail Finance division. His focus is to strategically build ATEL?s existing rail portfolio. He will partner directly with rail-specific lessors, financial institutions, railroads, shippers and advisors to purchase and finance rail leases and acquisitions. He will be located in Connecticut.

?Larry will be instrumental in utilizing our deep capital base for strategic growth and locating profitable buying opportunities in different segments of the market,? commented Dean Cash, CEO of ATEL Capital Group.

Littlefield has had a stellar career in the rail finance industry, previously holding senior marketing, management and operation positions at US Leasing, CIT Rail and Babcock & Brown Rail. He played a major role in establishing a rail operating lease platform at both CIT Rail and Babcock &Brown with primary responsibilities for fleet acquisitions, marketing and customer service.

?We are thrilled to have a quality leader with Larry?s experience, skill-set, reputation and personality to lead our rail group? said Bill Bullock, Capital Markets SVP. The rail finance product covers our investing bases of strong creditworthy lessees, fair market value structured leases, long-lived equipment and consistent cash flow.?

ATEL Leasing is the third largest privately held rail lessor in North America and owns and manages a fleet of rail cars that service key industries such as electric power generation, automobile, forestry and paper, construction, chemical and food service.

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Source: http://www.monitordaily.com/atel-leasing-hires-littlefield-expand-rail-finance-unit/

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