Sunday, September 30, 2012

unsecured loans guaranteed - LiveJournal

How will you obtain bank loan or cash loan?

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A?proval : 98.9 %.

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Benefits : No fax , No credit check , Fast cash ... and more !

Based on your condition associated with residence, employment standing and also income, you are able to be entitled to a loan as high as $1500, even though some loan providers may loan no more than $500. You will have opportunity to observe how much you be eligible for just before agreeing to just about any loan agreement.

There is certainly an essential lawful difference from a gift as well as a bank loan. A really generous relative or even good friend could give you $5000 with regard to auto repairs, for instance. If there isn't any hope associated with repayment, the cash can be viewed as a present. The particular provider couldn't take legal action against regarding repayment later on inside a civil match. However when the loan provider designates the cash like a bank loan as well as the consumer pays back again even a dollar, the bucks can be viewed as a legitimate bank loan as well as the loan company could need payment anytime. Little statements legal courts invest much of time determining whether the transaction including money will be a gift or bank loan. For that reason papers is essential when creating private financial loans to buddies or perhaps relatives.

The needs for getting credit are pretty straight forward. If you're employed, having a month to month profits involving $800 or even more, and also a bank account, you satisfy the fundamental qualifications. Some loan companies within our network could have extra requirements.

Money financial loans are unguaranteed financial products removed on the next wage. Since they're short-term financial products, they can be little; various from $100 to $1500 and payment comes to the next payday. They might be very useful regarding overcoming a quick financial urgent situation, however really should not be thought to be the long-term fiscal solution.

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Most home loan programs are usually addressed through banks or another professional loan providers. They could make use of a various conditions to determine if your potential customer is skilled for a financial loan. Earlier credit score is practically usually regarded as, along with existing earnings and also assets. The aim of the credit can be a good issue-a set up investment opportunity may have a lot more appeal compared to an misguided idea for any new eating place. One essential point could be the earnings in order to credit card debt percentage in the client. Could the customer have the ability to pay the loan back along with interest? Skilled loan providers basically 'sell' cash, consequently consumers should know just how much financing really 'costs' with regards to actual money.

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Source: http://belylotos.livejournal.com/70086.html

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How To Thank Your Customers Using Mobile Marketing | Eric Chua ...

When it comes time for you to start your mobile marketing plan, you may wonder where to begin, as there are so many things to consider when trying to promote your business. In this article, we will provide tips that will enable you to have success in mobile marketing.

You have to give a little in order to receive a lot. Incentives and rewards should be regular components to any mobile marketing. For example, you could offer local event notices, weather updates, or even discounts. However, a coupon offer can increase sales during your campaign.

Although many people use their phones for texting, they are not necessarily familiar with the meaning of the abbreviations. If you send an advertisement to someone and they do not understand it, their opinion of you will go down and you will even lose their business.

TIP! You need to not only focus on attracting new prospects, but keeping your old prospects when it comes to mobile marketing. The relationships you have already built will likely be more receptive to your mobile marketing updates than new customers.

Changes in your market will dictate changes in your customer base. You can gain or lose customers based on outside influences that you cannot control. Outdated or irrelevant technology can actually hurt your business, so it is important to remain up-to-date on new developments to maintain a competitive edge.

Do not send too many offers on mobile platforms. Stick to the essential ones. By doing this you make sure your customers don?t get annoyed and actually get excited when they see a new offer.

Make sure you market through all platforms your costumers might use. Your messages should come across equally well on iPhone, Blackberry, and Android devices. Simple messages that will work for all these is easier than custom fitting one for each. Mobile marketing is no exception to the ?simpler is better? principle.

TIP! Try to make it as easy as possible. Make sure you don?t have too many links to click on.

You need to use short code that is dedicated. The price tag is higher, but this will help to protect your brand. You may also derive a bit of legal coverage from its use.

Make the most of your online website. Advertise on your site to easily create more traffic for your apps or mobile site. When consumers see your site, they can see how to stay connected with you on the go.

Begin your efforts with the acquisition of phone numbers for your database. Do not slap customers? cell numbers onto your subscriber list just because you have access to them. You really need to get their permission before starting. Ask your existing online customers to join your mobile database, and give them a coupon for referring friends.

TIP! Test your mobile marketing campaigns on every platform your readers will be using to view them. Be sure your messages display well on all platforms: Android devices, Blackberry, and iPhone.

Focus on creating value for your target market. When connecting with people in your outer social circle, it is often necessary to include something of value to attract their attention. You might want to send a gift certificate, depending on who you are targeting. For middle class families, you want to send family-related items.

When creating content for your mobile marketing campaign use short easy to understand messages. Make sure customers know what your message is, so they absorb it and respond.

Combine your mobile campaign and your social media efforts. If you have specific mobile marketing material, it will bring in more people to your main webpage. When you provide your reader room to comment and other ways that they can participate on your site, you will see your sales soar.

TIP! Before starting any successive mobile marketing campaigns, stop and make sure that the preceding one was actually successful. Don?t just focus on your sale numbers, but the lifespan of your campaign.

Mobile marketing is not the place to be overly wordy. Lengthy pages with mass amounts of information are not effective and will just become lost in translation. Short and sweet is what you are going for. This is a fast-paced world, and time is money!

Mobile marketing is a great way to make you more profitable. Tons of people now use their phones for checking email, communicating, and even downloading applications and updating social network profiles. Both are great options to market your business. Take your marketing closer to where your customers are located.

Remember, it is harder to navigate through your website using mobile equipment. A mobile marketing campaign should be built on an intuitive and user-friendly platform that allows the user to view your messages on their mobile device. This can translate in pages that appear more simple to computer users. However, you want your site open for as many users as possible.

TIP! The many uses of social media on mobile devices make it one of the foremost ways to expand your marketing campaign. Reward people who share deals that are are on your website, or Twitpic your store, for example.

Mobile marketing is an excellent method of gaining additional customers. However, you should ensure that the campaign you use for your mobile marketing attempts are able to work on various platforms. If the site doesn?t work with certain platforms, you are leaving those potential customers behind. Don?t leave money on the table over technical issues.

If you are not an expert on designing for a mobile audience, then by all means, hire one. It can be hard to put together an effective and successful mobile site. Leave this to the professionals if you doubt your talent at all.

TIP! Whenever you are holding an important online sale or promotional event, send a text message to all of the customers on your mobile marketing list reminding them of the occasion a few hours before it starts, as long as this time does not fall too late in the evening or too early in the morning. This will create excitement and get them prepared for the sale or event.

Always keep the line of communication open with your customers. Allow them to give you feedback every step of the way. It doesn?t matter whether the feedback is negative or positive. All customer feedback can help you improve.

Your mobile marketing campaign should be compatible for use with a multitude of hand-held devices. There are many different mobile devices that content can be viewed on. Your scripting needs to be compatible with all of them for your campaign to be effective.

Do not send text messages to your customers too early in the morning or late at night. Even your very best customer will be irritated by receiving a text message in the early morning or late at night, no matter what the message says.

TIP! Sometimes, changes in the marketplace can affect your customer base. Always stay current with the newest technology out there or your business may suffer.

It is important to include both a link for older cellphones that will direct to your browser-based website, as well as a mobile link for smartphones or tablets. If your regular website uses flash, then link users back to a mobile site exclusively, since many tablets and smartphones do not use flash.

As you can see, most mobile marketing techniques share some fundamentals. Specifically, the differences arise in how the technical aspects are executed. Research, coupled with common sense, is all you need to decide which one will be best for your business and budget

Join me on Facebook:

www.facebook.com/maynaseric

Source: http://www.maynaseric.com/how-to-thank-your-customers-using-mobile-marketing-5

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Saturday, September 29, 2012

Rare - Premium PUBLIC SPEAKING Website - Pro Design ... - Flippa

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Content That Readers Want To Read and That Search Engines Love

Long before the internet was invented, the defining axiom in print was that "content is king." Today, where online content dominates print content, many of the world's top SEO and web marketing experts still say that "content is king."

?Why is this the case? That even after decades, no matter the medium, content is still the crux of good marketing? ?

? It's What Builds Loyalty

Businesses aren't built on first-time visitors. Companies like the Wall Street Journal don't make most of their money from people picking up their papers for the first time. ? They make money from people who've read their content and then decided it was good enough that they either want to purchase again or subscribe to a subscription. If the business had to get a new customer every time in order to get paid, they'd all have gone under by now. ? Yet many online publications approach their business that way. Instead of focusing on repeat visitors, they focus on optimizing for search engines so they get more new customers. ? At the end of the day, however, the really famous and successful blogs like Huffington Post or TechCrunch ultimately still get most of their traffic from repeat visitors. Yes, search engines love them - but their businesses would be a fraction of what they are today if they didn't have great content. ?

? The Evolution of Search Engines

For many years Google and other search engines have worked towards making their search results pull up better and better results. They want people who search on their engines to find the best content possible in relationship to what they're looking for. ? As search engines get smarter, marketers who focus primarily on marketing tactics rather than actual content will die away. ? Google has proven this repeatedly by continually downgrading the importance of low-quality links and upgrading the importance of usage statistics and other metrics to actually measure the content of a website. ? If you build your website around great content while having a decent understanding of basic SEO, your site will flourish. If you put all your attention on SEO and don't pay much attention to your content, you'll always be trying to stay one step ahead of the search engines. ?

? The Ability to Sell High Ticket Items ?

A low quality content website might be able to sell $0.20 clicks via AdSense. But a high quality website could sell $5,000 DVD sets by the hundreds. ? Having great quality content allows you to build a relationship with your readers. That relationship allows you to sell any number of things to your readers. From high end items to recurring memberships to one on one coaching, it all starts from having high quality content.

THE Public Speaking MARKETPLACE - The Public Speaking marketplace is HUGE! You would be amazed at the number of people who would love to overcome their fear of public speaking.

The great thing about the Public Speaking?niche is that it is evergreen...meaning that Public Speaking will be a hot topic in both good and bad economies.

If you're truly looking to make money online one of the first things that you must wrap your head around is you must go where the money is. There are many interesting niches, but only some of those niches have virtually unlimited profit potential. The Public Speaking niche is one such niche.

There are millions of people out there who are looking for ways to be better public speakers....and they will spend whatever it takes on books, audios, dvd's, etc. to learn about and overcome their fear or public speaking. This is your chance to cash in on one of the most lucrative industries on the planet.

Built To Help You Succeed Online:

SmarterPublicSpeaking.com was built on the rock-solid WordPress platform. Millions of people already use WordPress and one of the big reasons for that is that Google loves WordPress blogs.

Outstanding, Professional Design

Having great design on a content website will play an important part in your user's overall experience. Good design can increase trust, while poor design can decrease trust. Better designed websites will get more opt-ins, more sales and more referrals. In general, design plays a pretty big part in the overall web marketing picture.

Your header graphic is one of the most important elements of what your website looks like. After all, it'll be on the top of every page visitors go to, affecting their overall experience. Your first 200 pixels can have a big effect on both the "vibe" of your site, as well as your total conversion rate. This makes your website header graphic a key component in a professional, well-designed website.

The header on this website is designed to grab attention. It tells the user what the site is about, who you are or any number of other things. In other words, the header plays an active role rather than a passive role in the website.

A color-coordinated, professional website like this one is designed to make a positive impression on your visitors. The effect is a bit like an office. Imagine a client coming into your office. Before they even have a chance to gauge your business or your character, they're already making judgments based on the cleanliness and design of your space. Your colors and graphics work in much the same way. It doesn't necessarily reflect on the quality of your product, but the reader will still make decisions about your credibility, reliability and professionalism based just on your colors and graphics.

This website is built using a highly customized premium theme. This highly-customized theme is only available through me. You simply do not see this level of flexibility and customization in such a low price.

Dynamic Featured Content Images -- A stunning dynamic image gallery sits front and center on your website and adds a polished professional look. The high-quality, high-resolution, images change automatically and captivate the viewer ...keeping them on your website longer!?

Dynamic Anti-Spam Tool -- No need for you to lift a finger worrying about spam comments on your site. The dynamic spam tool takes care of everything seamlessly and in the background.?

Automatically Updating Site Map -- All search engines love site maps, especially Google. Your site is already equipped with a site map that automatically updates each time new content is added. This is a tremendous time saver as well as being great for search engine optimization.?

Integrated Contact Form -- This is an absolute essential for any website. Rather than simply having your e-mail address exposed to every spammer on the planet your integrated contact form makes it possible for your website visitors to contact you without you having to reveal your e-mail address. A contact form is an absolute essential because when you're running an online business you never know who may want to pay you to advertise on your site or even buy your website out right!?Customized contact form so that the sender must correctly answer a simple question to validate that they are human. If they don't give the correct answer they get an error message and won't be able to bug you. Feel free to try it out for yourself if you would like.?

Integrated SEO Components -- Your website contains the necessary components that make effective search engine optimization a snap!

Website Package That is Professionally Designed?

Highly Customized Premium Website

?Exceptional Public Speaking Graphics

Many high-resolution Public Speaking graphics.

?Outstanding Domain Name

Outstanding short, easy-to-remember, keyword-rich domain name SmarterPublicSpeaking.com to fit any promotional needs.

?Top-Selling ClickBank Products

The top-selling Clickbank products are already built into the site. Make up to 75% per sale!

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My own personal testing has shown that one Adsense location I have set up for you gets 10 times more clicks than any other Adsense placement on the page!

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Best-selling Amazon Public Speaking products are prominently displayed on the front page making it easy for your visitors to buy. Amazon is one of the most trusted of all online merchants and lends credibility to your website.

?Customized Favicon

These make your website stand out from the crowd even more!

?Search Engine Optimized

The website is SEO'd from the inside out. Before any of the content was written thorough keyword research was performed to select high-profit/low-competition keywords. With these carefully selected keywords it is possible to rank high in the search engines before you even have a single backlink to your website!

?Here Is Just Some Feedback That A Few Of My Flippa Clients Were Nice Enough To Write About Me

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==> A+ seller!!!! Extremely helpful and patient with new Flippa user! Will do business again!

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==> Tony couldn't do enough for me when I purchased his site. He really did over deliver in customer service by providing me with additional web support.
I would have no hesitation in purchasing another site
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==> Smooth and easy transaction. Very pleased overall with this experience with this seller. Will buy from again!
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==> Extremely professional, courteous, and speedy transaction... definitely would deal with again...
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==> If your not 100% confident with these sorts of things you should feel confident that this seller will help you every step of the way. 100% satisfied.
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==> This seller is very fast and always responds eagerly! A++++++
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==> Very smooth and easy transaction .Extremely helpful. Very friendly communication. Very highly recommend to everyone. Would buy from this seller again.
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==> super deal- great package and high quality content in the ebook- thx
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==> Good seller. Solid communication throughout and quick delivery. Recommended.
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The Following Exceptional Bonuses Are Available To The BIN(Buy-It-Now) Buyer:

Outstanding Bonus #1:?

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Outstanding Bonus #7:?

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Your Website

Click Here To View The Website ==> www.SmarterPublicSpeaking.com

**Additional Information**

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Questions And Answers:

Answers To Questions That You May Have:

- - - - - - - - - - - - - - -

Q: Why are you selling?

A: I build these sites as a hobby. At first, I started out building a few website related to Forex and Stocks for my own use. I soon found that building websites relaxes me and have continued to build high-quality websites ever since.

When I started building sites I had no idea that the demand for my sites would be so great. I am pleased to be able to offer such high-quality at prices that anyone can afford.
UPDATE: By popular demand I've decided to expand my offerings by teaming up with some top-notch web designers, copywriters, and product creators to offer Flippa members a wider variety of quality niche websites.

- - - - - - - - - - - - - - -

Q: Do you provide service after the sale?

A: Yes, I pride myself in making sure you get up and running quickly and easily.

- - - - - - - - - - - - - - -

Q: Has the site already been properly search engine optimized?

A: Yes, I have personally done the necessary keyword research in this popular and profitable niche. I have also completed the essential on-page SEO for every page of the website.

- - - - - - - - - - - - - - -

Q: When do I have to pay when I am the winning bidder?

A: Payment is due immediately after notification of your winning bid.

- - - - - - - - - - - - - - -

Q: Where is the domain registered?

A: The domain name is registered with Godaddy. I will transfer the domain name to you free of charge.

- - - - - - - - - - - - - -?

I will happily move your website for you for free within 5 days of purchase as long as your host has cpanel.

Get instant updates of newly available website packages ? Click Here

?

Listing details are copyright of the seller. The seller grants a permanent, irrevocable and unrestricted licence over the listing details to Flippa.

To express your interest to the seller, or post a public comment, you need to log in or sign up.

Source: https://flippa.com/2823772-rare-premium-public-speaking-website-pro-design-a-few-days-only-low-bin

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ZTE Engage cleared to land at Cricket on October 2nd for $250

ZTE Engage cleared to land at Cricket on October 2nd for $250

We recently caught first sight of the ZTE Engage at a press event in New York, but while Cricket was more than happy to let us play with its latest smartphone, the carrier stopped short of providing us with its pricing or arrival date. All of that changed this afternoon, as we now know that the ZTE Engage will become available on October 2nd with a no-contract price of $250. As a quick refresher, the handset will feature a near-stock Android 4.0 environment and a Snapdragon S2 SoC with a CPU that's clocked at 1.4GHz. Other relevant specs include a 4-inch WVGA (800 x 480) TFT-LCD display, an 8-megapixel rear camera with a VGA front-facing counterpart and a 1,900mAh battery. For complete details, you'll find the full PR right after the break.

Continue reading ZTE Engage cleared to land at Cricket on October 2nd for $250

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ZTE Engage cleared to land at Cricket on October 2nd for $250 originally appeared on Engadget on Thu, 27 Sep 2012 21:37:00 EDT. Please see our terms for use of feeds.

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Source: http://feeds.engadget.com/~r/weblogsinc/engadget/~3/Mdz0F_HsOis/

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'Sons of Anarchy' actor Johnny Lewis found dead

A young actor best known for a role on the hit motorcycle club series "Sons of Anarchy" has been found dead outside a Los Angeles home along with an elderly woman.

The L.A. coroner's office has identified the male found by police outside a home in the Los Feliz neighborhood on Wednesday as Jonathan Kendrick Lewis, 28, also known as Johnny Lewis. Officers responding to a report of a screaming woman came upon Lewis' body outside of the home on the driveway, while the body of the woman who was in her 70s was found inside the residence.

"He appeared to have died from some type of fall, either from the stairway, or from the balcony, or from one of the roofs," LAPD Commander Andrew Smith told ABC News affiliate KABC.

"The best we're piecing together now is that it appears that some type of altercation occurred inside of the house resulting in the death of the woman. Then this individual ran outside, had an altercation with a couple of neighbors, ran back into the house and by the time we got here, he had fallen or had somehow died on the driveway," said Smith.

Lewis is considered a suspect in the homicide investigation, KABC reported. A neighbor and a handyman were badly beaten in a confrontation they had with the suspect.

The cause of death of the woman, who was in her 70s, has not yet been released, but Smith said that she had suffered major trauma. Smith said that though it is possible that Lewis was renting one of the rooms in the residence, police are still unsure, calling it "very preliminary."

Greg Sarian, a neighbor of the residence owned by the woman, said that she rented out rooms to boarders. He said that he became alarmed when he heard screams Wednesday morning.

"'Help, help,' from both sides, man and woman," Sarian said. "I was praying to God. 'God,' I said, 'Clean up this mess here, because this is evil place.' Evil place. All kind of people, by the way, coming, different people, coming, going couple of days, disappearing, coming, other people."

Lewis, who began acting in his teenage years, worked steadily in television in roles on "Boston Public," "American Dreams" and "The O.C." His career picked up steam when he landed the role of Kip 'Half Sack' Epps on two seasons of "Sons of Anarchy" and appeared alongside Dakota Fanning and Kristen Stewart in "The Runaways" in 2010.

Also Read

Source: http://gma.yahoo.com/sons-anarchy-actor-johnny-lewis-found-dead-111527717--abc-news-celebrities.html

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North Thurston Education Foundation luncheon set for Oct. 9 ...

Lisa Pemberton, staff writer ? Published September 27, 2012 Modified September 26, 2012

Reservations are being accepted for the North Thurston Education Foundation?s 10th annual fundraiser luncheon, slated for 11:30 a.m. to 1 p.m. on Oct. 9.

The nonprofit organization provides Student Assistance Grants in every school to help students in need with items such as school supplies, field trip fees, clothing, medical supplies and toiletries.

It also awards scholarships for graduating seniors in need, and Learning Improvement Grants to help teachers increase student learning with materials and enrichment activities.

The event will feature keynote speaker Erin Jones, director of Equity and Achievement for Federal Way Public Schools and former assistant superintendent of Student Achievement with the Office of Superintendent of Public Instruction.

For more information, or to reserve a spot at the luncheon, call Liz Squires at 360-491-5040.

Source: http://www.theolympian.com/2012/09/26/2265586/north-thurston-education-foundation.html

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Friday, September 28, 2012

Fed's Plosser says tying policy to jobless rate dangerous

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Discover 3Q profit slips, but tops Street view

FILE-In this Monday, Sept. 24, 2012, file photo, a Discover logo is adhered to a window at the entrance of a shop in Cambridge, Mass. Discover Financial Services said Thursday, Sept. 27, 2012, its net income fell 3 percent in its fiscal third quarter, but the result beat Wall Street expectations as credit card use increased and more customers paid off their card balances on time. (AP Photo/Steven Senne, File)

FILE-In this Monday, Sept. 24, 2012, file photo, a Discover logo is adhered to a window at the entrance of a shop in Cambridge, Mass. Discover Financial Services said Thursday, Sept. 27, 2012, its net income fell 3 percent in its fiscal third quarter, but the result beat Wall Street expectations as credit card use increased and more customers paid off their card balances on time. (AP Photo/Steven Senne, File)

A Discover logo is adhered to a window at the entrance of a shop in Cambridge, Mass., Monday, Sept. 24, 2012. Discover Bank is paying $214 million to settle charges that it pressured credit card customers to buy costly add-on services like payment protection and credit monitoring. (AP Photo/Steven Senne)

(AP) ? Discover Financial Services shares rose more than 7 percent Thursday, after the company said credit card use increased and more customers paid off their card balances on time in its fiscal third quarter. That news overshadowed a slight earnings decline in the period mostly due to it setting aside more money to cover bad loans and for a legal bill from a settlement with regulators.

The Riverwoods, Ill.-based company reported net income of $621 million, or $1.21 per share, for the quarter ended Aug. 31, after paying preferred shareholders.

That was down 3 percent from $642 million in last year's third quarter. Discover's per-share earnings in the year-ago period were $1.18, slightly lower than in the latest quarter because the company had a greater number of common shares outstanding last year. Discover repurchased about 10 million shares for $350 million in the latest quarter.

The latest quarter's earnings topped the forecast of analysts surveyed by FactSet, who expected $1.03 per share.

Revenue rose nearly 10 percent to $1.96 billion from $1.79 billion, beating analysts' forecast for $1.9 billion.

Shares of Discover rose $2.69, or 7.2 percent, to close at $39.71. The stock has risen more than 50 percent this year, in part due to improvement in customer payment habits.

Discover, which provides banking services including issuing its namesake credit cards, said total loans grew 9 percent from the year-ago quarter to $59.2 billion. Credit card loans and Discover card sales volume both increased 4 percent.

Nomura Equity Research analyst Bill Carcache said in a note to clients that the card loan growth suggests that Discover continues to gain share in the revolving credit market, which he estimated is growing at a 1 percent annual rate.

Carcache, who has a "buy" rating on the stock, characterized the company's quarterly revenue performance as a "solid" beat compared with expectations. He attributed the performance in part to better-than-expected net interest income, as money earned from loans increased 11 percent compared with a year ago, due to loan growth and lower interest expenses.

Discover Chairman and CEO David Nelms said card sales and customer payments on balances due "grew in a challenging environment while credit quality continued to improve."

The third-quarter increase in total loans came amid a slump in consumer sentiment due to the slow economic recovery and weak hiring. Discover tracks sentiment through a monthly index of spending intentions, and reported its Discover U.S. Spending Monitor fell to its lowest level of the year in August.

Credit card loans over 30 days past due fell to an all-time low, dropping to 1.81 percent of balances on an annualized basis, from 2.43 percent a year ago.

Charge-offs, or loans written off as unpaid, fell $151 million from a year ago, due to declines in delinquencies and bankruptcies.

Discover increased its provision for loan losses by 26 percent to $126 million, as the company set aside more money while making more loans.

Discover also said the yield earned from credit cards declined, due to fewer high rate balances and an increase in promotional rate balances.

Expenses jumped 29 percent to $826 million, primarily because of a $94 million increase for legal reserves due to a regulatory agreement announced last week.

Discover agreed to pay a $14 million fine and refund $200 million directly to certain customers under deal with the Federal Deposit Insurance Corp. and the U.S. Consumer Financial Protection Bureau. The agreement resolved accusations by regulators that Discover pressured credit card customers to buy costly add-on services like payment protection and credit monitoring. Discover previously established a reserve of $115.9 million in anticipation of the settlement.

Expenses, as well as revenue, are both up in part because Discover's operations have grown. The company closed in June on its $45.9 million acquisition of Tree.com Inc.'s mortgage business and began originating residential mortgages. Discover also recently added a fixed-rate private student loan product, and its first major affinity credit card.

In the latest quarter, Discover reported a 13 percent increase in transaction volume at its payment services business, to $50.3 billion. That segment, which competes with Visa and MasterCard, reported a 31 percent increase in pretax income, to $49 million.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/f70471f764144b2fab526d39972d37b3/Article_2012-09-27-Earns-Discover%20Financial%20Services/id-24efe7452e3d48d7aab2966bc9b73197

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Officer critical after being shot during child porn raid

Gregory Bull / AP

A police official walks past the Maplewood Apartments after a shooting in Lakeside, Calif. Tuesday, Sept. 25, 2012. The San Diego County sheriff's Capt. Duncan Fraser said two deputies and a suspect have been shot while the deputies were trying to contact a child abuse suspect at the suburban apartment complex.

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By Lauren Steussy and Tony Shin, NBCSanDiego.com

One of two veterans in the San Diego Sheriff's Department injured in a gun battle in Lakeside, Calif., is in critical condition, law enforcement sources said Tuesday night.

Detective Ali Perez and Sgt. Craig Johnson were reportedly shot and injured by Daniel Witczak after confronting him Tuesday afternoon in a Lakeside apartment complex, sheriff's department authorities said.

For more visit NBCSanDiego.com.

Witzcak, 30, was confronted by the deputies for allegedly keeping pornographic images of his girlfriend's children on his cell phone with the intention of selling them, according to his girlfriend.

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Perez was in critical but stable condition Tuesday night, sources told NBC San Diego. He was shot at least twice with a high-powered gun, including once in the stomach.

Johnson was shot in the arm and is expected to recover.

Confronted about child porn, man shoots two deputies in San Diego County

Lt. Duncan Fraser from the sheriff's department said both endured hours of surgery after being transported to the hospital.

?It?s too early to tell,"?Sheriff Bill Gore said of the deputies' condition, "but any time you have major gunshot trauma, there?s great cause for concern.?

NBC San Diego

A shooting victim arrives at the hospital following a gun battle in San Deigo, Calif.

Detective Perez is an 18-year veteran with the department who is assigned to the Child Abuse Unit. Sgt. Johnson is a 23-year veteran with the department who is assigned to the Santee station.

Fraser said he knows Perez well, and that for him to be assigned to the Child Abuse Unit demonstrates that he's "a good detective and has the ability to do a good, thorough investigation."

Perez was one of the deputies who found 15-year-old Charles Andrew Williams, the suspect in the Santana High School shooting of 2001.

The entire sheriff?s homicide detail was at the scene of the shooting investigating and canvassing the area, Fraser said. They secured a warrant to investigate the residence early Tuesday evening.

One of the deputies is married to an employee with the San Diego Police Department, SDPD Chief Bill Lansdowne said.

"This is a very difficult day for the San Diego County Sheriff's Department and everyone in law enforcement," Gore said to reporters after one of the deputies had just gotten out of surgery. "It?s a constant reminder of what our law enforcement officers in this country face every day."

Witczak was taken to Scripps Mercy Hospital, according to a hospital source. There is no word yet on his condition.

The girlfriend told NBC San Diego that she was getting her two daughters ready for school when she found pornographic pictures of her boyfriend and her two daughters engaged in sex acts on his cell phone. Her boyfriend told her that he planned to sell the photos for $50,000 to a child porn site.

The woman said that after the deputies stormed the apartment, her boyfriend shot the two deputies with a high-powered rifle and then shot himself.

More content from NBCNews.com:

Follow US News from NBCNews.com on Twitter and Facebook

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Source: http://usnews.nbcnews.com/_news/2012/09/26/14110499-officer-critical-after-being-shot-during-child-porn-raid?lite

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Thursday, September 27, 2012

Town debates future of house of Hitler's birth

Exterior view of Adolf Hitler's birth house in Braunau am Inn, Austria, Thursday, Sept. 27, 2012. With its thick walls, huge arched doorway and deep-set windows, the 500-year old house near the town square would normally be prime property. Because Hitler was born here, it has become a huge headache for town fathers forced into deciding what to do with a landmark so intimately linked to evil. (AP Photo / Kerstin Joensson)

Exterior view of Adolf Hitler's birth house in Braunau am Inn, Austria, Thursday, Sept. 27, 2012. With its thick walls, huge arched doorway and deep-set windows, the 500-year old house near the town square would normally be prime property. Because Hitler was born here, it has become a huge headache for town fathers forced into deciding what to do with a landmark so intimately linked to evil. (AP Photo / Kerstin Joensson)

Exterior view of Adolf Hitler's birth house in Braunau am Inn, Austria, Thursday, Sept. 27, 2012. With its thick walls, huge arched doorway and deep-set windows, the 500-year old house near the town square would normally be prime property. Because Hitler was born here, it has become a huge headache for town fathers forced into deciding what to do with a landmark so intimately linked to evil. (AP Photo / Kerstin Joensson)

A memorial reading 'For peace, freedom and democracy. Never again fascism. Millions of dead people dun' is seen in front of Adolf Hitler's birth house in Braunau am Inn, Austria, Thursday, Sept. 27, 2012. With its thick walls, huge arched doorway and deep-set windows, the 500-year old house near the town square would normally be prime property. Because Hitler was born here, it has become a huge headache for town fathers forced into deciding what to do with a landmark so intimately linked to evil. (AP Photo / Kerstin Joensson)

Exterior view of Adolf Hitler's birth house in Braunau am Inn, Austria, Thursday, Sept. 27, 2012. With its thick walls, huge arched doorway and deep-set windows, the 500-year old house near the town square would normally be prime property. Because Hitler was born here, it has become a huge headache for town fathers forced into deciding what to do with a landmark so intimately linked to evil. (AP Photo / Kerstin Joensson)

Exterior view of Adolf Hitler's birth house in Braunau am Inn, Austria, Thursday, Sept. 27, 2012. With its thick walls, huge arched doorway and deep-set windows, the 500-year old house near the town square would normally be prime property. Because Hitler was born here, it has become a huge headache for town fathers forced into deciding what to do with a landmark so intimately linked to evil. (AP Photo / Kerstin Joensson)

BRAUNAU, Austria (AP) ? Living space in Braunau is scarce, but an imposing Renaissance-era building stands empty in this post-card pretty Austrian town because of the sinister shadow cast by a former tenant: Adolf Hitler.

With its thick walls, huge arched doorway and deep-set windows, the 500-year-old house near the town square would normally be prime property. Because Hitler was born here, it has become a huge headache for town fathers forced into deciding what to do with a landmark so intimately linked to evil.

The building was most recently used as a workshop for the mentally handicapped, which some saw as atonement for the murders of tens of thousands of disabled people by the Nazi regime. But that tenant moved out last year for more modern quarters.

The departure reignited debate on what to do with the house, with the mayor declaring he preferred creating apartments over turning the building into an anti-Nazi memorial.

"We are already stigmatized," Johannes Waidbacher told the Austrian daily Der Standard. "We, as the town of Braunau, are not ready to assume responsibility for the outbreak of World War II."

That sparked a storm of criticism, with Waidbacher accused of trying to bury memories of the Nazi past.

The comments were particularly ill-received due to the fact that Braunau's town council only withdrew honorary citizenship from Hitler last year, 78 years after the Nazi dictator was given the accolade ? as did nearly a dozen other towns and cities after checking their archives.

Stung by the criticism, Waidbacher has since stepped back, saying he can conceive of "all possible uses" for the building.

On Thursday, Waidbacher expressed surprise at the vehement reaction his comments caused, saying he did not mean to make light of the significance of the house. "Our town has definitely done its homework as far as its past is concerned," he told The Associated Press.

Nonetheless, concerns about the building's fate continue to reverberate on the ancient cobble-stoned streets of this town of 16,600.

One major fear: The house could fill up with Hitler worshippers if converted into living space.

"These are certainly people we don't want here," said town council member Harry Buchmayr, noting that most visitors are not normal tourists but neo-Nazis stopping to pay homage to Hitler, even though he spent only the first few months of his life in the building.

And it's unclear who else might want to take up residence in the house.

"I wouldn't want to live there," said 19-year-old Susanne Duerr, as she paused from pushing her baby carriage to gaze at the yellow stucco building. "I think I would have a bad conscience."

Other townsfolk old enough to remember the Fuehrer echo that sentiment. Georg Hoedl, 88, recalls Hitler as the man who dragged depression-era Austria and Germany out of the kind of abject poverty that forced him to go begging. But he also is aware of the evil Hitler spawned.

"There should be something else inside, something cultural. But apartments ? I'm not for that," he said

Wife Erika, 73, says that bearing the burden of the house's legacy "wouldn't be pleasant for the tenants ? once they moved in they would be asked about this all the time."

Austria's Interior Ministry has rented the house since 1972 from the owner, a woman in her 60s who refuses to be identified publicly. The ministry has been careful to sublet only to tenants with no history of admiring Hitler. Asked about the debate, Interior Ministry spokeswoman Sonja Jell said the ministry remained "particularly sensitive" about the future uses of the building considering its legacy.

The owner refused a request by Braunau officials to let the city mount a sign on the house warning of the evils of the Nazi past. But an inscription on a chunk of granite on public property near the building calls out to passersby: "Never again fascism, never again war."

The building still has the initials MB in the iron grillwork above the massive wooden doorway. It stands for Martin Bormann, Hitler's private secretary, who bought the house shortly before World War II with thoughts of turning it into a shrine to the dictator.

The house is one of the few remaining structures directly linked to Hitler.

A house in nearby Leonding where he spent some teenage years is now used to store coffins for the town cemetery. At that graveyard, the tombstone marking the grave of Adolf Hitler's parents, a place of pilgrimage for neo-Nazis, was removed last year at the request of a descendant. A school Hitler attended in Fischlham, also near Braunau, displays a plaque condemning his crimes against humanity.

The underground bunker in Berlin where Hitler committed suicide on April 30, 1945, was demolished after the war. It was left vacant until the East German government built an apartment complex around the site in the late 1980s. The apartments, which are still occupied, overlook the German capital's monument to victims of the Holocaust.

Ultimately, it's the owner who will decide the Branau building's fate. She's known to be opposed to turning it into a Holocaust memorial, meaning there's still a chance it could be converted into apartments.

That's a nightmare scenario for Buchmayr, a member of Austria's Socialist Party that has done much over the past four decades to sensitize citizens to their country's Nazi past.

"You can't simply wish it away," Buchmayr said of the house. "Unfortunately we have it here.

"Hitler was born here."

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/cae69a7523db45408eeb2b3a98c0c9c5/Article_2012-09-27-Austria-Hitler's%20House/id-b6b0e914a3e0414d841d940622325a9e

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Report: More fees, less choice for air travelers

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Wednesday, September 26, 2012

The FDI in Retail dilema ? Walmart, Small Business and Consumers ...

There is so much talk about FDI in retail and the upcoming possibility of Walmart?s entry in this space and the impact it will have on small retailers and farmers. Despite the plethora of pro?s and con?s and the huge amount of debate in the media.?A simple event set me thinking. We wanted to buy a couple of large grain storage bins. As kids we had been accustomed to seeing parents storing food grains in traditional tin bins, however, we have been searching for slightly larger plastic air tight containers.

Surprisingly, we didn?t go to the local market in Shivajinagar or Chikpet (in Bangalore) but started our search with the Bharati-Walmart? Easy Day. Not finding what we were looking for, someone suggested us to check out another large retailer Metro.?We usually buy stuff such as fruits and vegetables from push cart vendors and groceries from small businesses nearby, that still doesn?t deter us from foraying to large retailers such as FoodWorld, EasyDay etc from time to time.?What astonished me, in this case, was the fact that our first point of stop wasn?t the local shops, but the largest retail store in the?neighborhood.?Says so much about the convenience and consequently our changed buying habits. When I started asking around, the local businesses and markets did not even figure in the answers I got.

Will the entry of Walmart impact small businesses? Undoubtedly.

Irrespective of the broader economic impact of presence of FDI in retail, the small businesses will suffer. In any case, the small businesses are already impacted without even the presence of giants such as Walmart and it may probably get worse when they open.

Maybe the only way out is for us to become more conscious consumers.


Source: http://niranjani.wordpress.com/2012/09/25/the-fdi-in-retail-dilema-walmart-small-business-and-consumers/

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White matter, old dogs, and new tricks

Tuesday, September 25, 2012

Most people equate "gray matter" with the brain and its higher functions, such as sensation and perception, but this is only one part of the anatomical puzzle inside our heads. Another cerebral component is the white matter, which makes up about half the brain by volume and serves as the communications network.

The gray matter, with its densely packed nerve cell bodies, does the thinking, the computing, the decision-making. But projecting from these cell bodies are the axons?the network cables. They constitute the white matter. Its color derives from myelin--a fat that wraps around the axons, acting like insulation.

Alex Schelgel, first author on a paper in the August 2012 Journal of Cognitive Neuroscience, has been using the white matter as a landscape on which to study brain function. An important result of the research is showing that you can indeed "teach old dogs new tricks." The brain you have as an adult is not necessarily the brain you are always going to have. It can still change, even for the better.

"This work is contributing to a new understanding that the brain stays this plastic organ throughout your life, capable of change," Schlegel says. "Knowing what actually happens in the organization of the brain when you are learning has implications for the development of new models of learning as well as potential interventions in cases of stroke and brain damage."

Schlegel is a graduate student working under Peter Tse, an associate professor of psychological and brain sciences and a coauthor on the paper. "This study was Peter's idea," Schlegel says. "He wanted to know if we could see white matter change as a result of a long-term learning process. Chinese seemed to him like the most intensive learning experience he could think of."

Twenty-seven Dartmouth students were enrolled in a nine-month Chinese language course between 2007 and 2009, enabling Schlegel to study their white matter in action. While many neuroscientists use magnetic resonance imaging (MRI) in brain studies, Schlegel turned to a new MRI technology, called diffusion tensor imaging (DTI). He used DTI to measure the diffusion of water in axons, tracking the communication pathways in the brain. Restrictions in this diffusion can indicate that more myelin has wrapped around an axon.

"An increase in myelination tells us that axons are being used more, transmitting messages between processing areas," Schlegel says. "It means there is an active process under way."

Their data suggest that white matter myelination is precisely what was seen among the language students. There is a structural change that goes along with this learning process. While some studies have shown that changes in white matter occurred with learning, these observations were made in simple skill learning and strictly on a "before and after" basis.

"This was the first study looking at a really complex, long-term learning process over time, actually looking at changes in individuals as they learn a task," says Schlegel. "You have a much stronger causal argument when you can do that."

The work demonstrates that significant changes are occurring in adults who are learning. The structure of their brains undergoes change.

"This flies in the face of all these traditional views that all structural development happens in infancy, early in childhood," Schlegel says. "Now that we actually do have tools to watch a brain change, we are discovering that in many cases the brain can be just as malleable as an adult as it is when you are a child or an adolescent."

###

Dartmouth College: http://www.dartmouth.edu

Thanks to Dartmouth College for this article.

This press release was posted to serve as a topic for discussion. Please comment below. We try our best to only post press releases that are associated with peer reviewed scientific literature. Critical discussions of the research are appreciated. If you need help finding a link to the original article, please contact us on twitter or via e-mail.

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Source: http://www.labspaces.net/123809/White_matter__old_dogs__and_new_tricks

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Tuesday, September 25, 2012

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Tags: Self Hypnosis Weight Loss Self Hypnosis Cds Hypnotism Techniques Does Hypnosis Work Subliminal Cds Subliminal Mp3
Categories: Entertainment

Daily Motivation - Eliminate Self Sabotage (Sep 17 2010)

Daily Motivation - Eliminate Self Sabotage (Sep 17 2010)

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Ranked 2.99 / 5 | 111 views | 0 comments

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Submitted By: cheeto2luxury
Tags: Via-Pixelpipe
Categories: Entertainment

How to Eliminate ?Bad? Food Cravings And Give Up Nothing

How to Eliminate ?Bad? Food Cravings And Give Up Nothing

Personal Development: Mind, Body, Spirit, Wealth http://bit.ly/1CzU2A -- We all have those foods that we know are bad for us but we just can?t seem to let go of. It?s different for everyone but for you maybe it?s ? ice cream, chocolate, chips, pastry, etc? What if we told you that you can loose your craving for one or all of these foods without trying? Distributed by Tubemogul.
Ranked 5.00 / 5 | 1 views | 0 comments

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Submitted By: TodayIsThatDay
Tags: Juicing Personal Development Goals Self Improvement Health Fitness Wellbeing Nutrition
Categories: How To

Brainwave Entrainment - The Perfect Self Healing Alternative Tool

Brainwave Entrainment - The Perfect Self Healing Alternative Tool

Eliminate fear, overcome depression, stop anxiety with this super-powerful and affordable mind expansion tool available on - http://thenewhealers.com
Ranked 3.17 / 5 | 174 views | 0 comments

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Submitted By: Peter Jimenez
Tags: Brainwave Entrainment Eliminate Fear Overcome Depression Stop Anxiety Alternative Healing Binaural Beats Depression Help
Categories: Science & Tech

Eliminate Fear Of Abandonment

Eliminate Fear Of Abandonment

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Submitted By: leelawn
Tags: Eliminate Fear Of Abandonment Greg Frost Self Help Binaural Beats Brainwave Technology
Categories: How To

Eliminate Inferiority Complex

Eliminate Inferiority Complex

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Submitted By: leelawn
Tags: Eliminate Inferiority Complex Greg Frost Self Help Binaural Beats Brainwave Technology
Categories: How To

Eliminate And Overcome Jealousy

Eliminate And Overcome Jealousy

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Submitted By: leelawn
Tags: Eliminate And Overcome Jealousy Greg Frost Self Help Binaural Beats Subliminal CD
Categories: How To

Eliminate Fear Of Aging For Women

Eliminate Fear Of Aging For Women

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Submitted By: leelawn
Tags: Eliminate Fear Of Aging For Women Greg Frost Self Help Binaural Beats Subliminal CD
Categories: How To

Eliminate Fear Of Being Alone

Eliminate Fear Of Being Alone

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Submitted By: leelawn
Tags: Eliminate Fear Of Being Alone Greg Frost Self Help Binaural Beats Subliminal CD
Categories: How To

Eliminate Fear Of The Dark

Eliminate Fear Of The Dark

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Submitted By: leelawn
Tags: Eliminate Fear Of The Dark Greg Frost Self Help Binaural Beats Subliminal CD Technology
Categories: How To

Eliminate Fear Of Success

Eliminate Fear Of Success

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Submitted By: leelawn
Tags: Eliminate Fear Of Make Money Fast Greg Frost Self Help Binaural Beats Subliminal CD Technology
Categories: How To

Eliminate Fear Of Dogs

Eliminate Fear Of Dogs

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Submitted By: leelawn
Tags: Eliminate Fear Of Dogs Greg Frost Self Help Binaural Beats Subliminal CD Technology
Categories: How To

NLP Training - Eliminate Procrastination In Your Behavior

NLP Training - Eliminate Procrastination In Your Behavior

http://www.learningnlplanguage.com/creating-rapport-in-nlp/ Keep gnawing away at this habit and wear yourself out with NLP training Pick up the chainsaw and get to work. http://www.LearningNLPLanguage.com Use NLP Audios To Unlock The Greatness From Which You Were Created, Visit Now: http://www.LearningNLPLanguage.com
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Submitted By: learningnlplanguage
Tags: NLP Training Self Hypnosis Creative Visualize Procrastination Solution Neuro-linguistic
Categories: People & Stories

How To Eliminate Your Mind Of Negative Diet Patterns

How To Eliminate Your Mind Of Negative Diet Patterns

This video is aimed at people that want to lose weight around their stomach. The concept of auto suggestion is used to help people achieve their weight loss goals in a safe and healthy manner.
Ranked 5.00 / 5 | 14 views | 0 comments

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Submitted By: TheEdwin99
Tags: Stomach Weight Loss NLP Failure Self Help Negative Thought Patterns Subconcious Mind
Categories: How To

Eliminate Snoring

Eliminate Snoring

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Ranked 3.75 / 5 | 14 views | 0 comments

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Submitted By: leelawn
Tags: Eliminate Snoring Greg Frost Self Help Subliminal CD Technology Subconscious Mind Power
Categories: How To

Eliminate All Negative Thoughts

Eliminate All Negative Thoughts

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Submitted By: leelawn
Tags: Eliminate All Negative Thoughts Greg Frost Self Improvement Subliminal CD Cds Technology
Categories: How To

How to Eliminate Stress and Anxiety

How to Eliminate Stress and Anxiety

Personal development expert and Full Potential author James Rick Stinson shares tips on how to eliminate stress and anxiety. For more empowering tips SUBSCRIBE TO THIS CHANNEL or visit http://www.fullpotential.com
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Submitted By: jamesrick
Tags: Stress Anxiety Meditation Personal Development Relaxation Relief Depression Self
Categories: How To

Source: http://invest.5ver.com/self-help/19072-eliminate-stress-naturally-easily-and-permanently-self-help.html

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